We are begining to build a house starting from a vacant lot, which we’ll purchase from the builder. We want to purchase the lot first so we can delay the start of construction for 6 months.The builder wants 10% of the building costs to start construction on our lot. We have enough cash to put down 20% of the cost of the house and lot which means we need a loan to begin with for the lot and a mortgage loan later for the house. What is the best way to structure the mortgage so that we end up with the final mortgage we want. We’re looking at financing ~$ 376,000 for 30 years fixed. Rates now are about 6%.