re: Better to buy a lot up front or finance with home?

If you get the lot now, you are going to be paying a higher interest rate on the lot as oppsed to a turnkey deal. You will also be paying a higher interest rate while you're building. On the flip side, the builder will just figure in those higher rates when determining what to charge you for the house. I, personally, bought my lot about 3 yrs ago and just reached the half way point of my build. Hasnt been nearly as bad as I thought it would be.