You do not need to own land in Arizona to qualify, but if you already do, great! you can still qualify!

Once you are qualified, your land budget  is determined through mutual analysis of: your approved loan amount, the house to be built , and the extent, if any, to which you desire to work on your  house ("SWEAT EQUITY"). You will actually determine the   the cost of your home! Remember, The more you do, The lower your cost.

Final selection of the land is yours.