<prompt> Human: Hey finance, So heres whats going on- Ive finally got a stable job, found the place I want to live, and Im looking to buy a house. Ive been approved for up to 180k with my 10k down payment. After exhaustive searching, I finally found the perfect house. Exactly the right size, the perfect location, and just the style I was looking for. The interior is even unfinished, which, as a former carpenter, is right up my alley. And the asking price is only 65k. It does need about 20k in finishing work, but I was approved for up to 180k, so no problem, right? Wrong. Apparently the house on this property actually burned down. And the house thats there now? Its technically a garage despite being built into a full blown house. Now the bank is asking for 20 down because its going to be considered a new construction, despite there being no new construction. Since I only have 10k to put down, 20 is not feasible. So my question is, does anybody know of a mortgage company that specializes in this sort of thing? I cant be the first one, so Im hoping someone out there knows how I can secure funds. Any and all advice would be appreciated. Thanks in advance!  <response>: If it needs 20k in finishing work, youre not getting anything but a construction loan on it. Its also not legally a house. 