u/marialed

Hi, I have kind of a unique situation. Me and my husband had a Chp. 7 bankruptcy that was discharged in Nov. 2025. Recently, my parents offered to give us a piece of land to get a manufactured home w/ permanent foundation on it. & to use the paid off land as a down payment if possible. I know we don't apply for a regular loan, & was researching non qm loans. Would this scenario be possible for a non qm loan, and is there any recommendations for a lender in California.