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Obtaining a mortgage...
There is a fantastic book called, "Your Bank is Ripping You Off" by Edward F. Mrkvicka, Jr. The author was a former bank president. The book provides some excellent insight on how banks conduct business on loans, mortgages, account fees, and more.
I would recommend this book to anyone before obtaining a mortgage. Additional insight can be gained by doing good reading on Contract and Negotiable Instruments Law since most people will be using FRNs, promissory notes, and sales agreements to obtain real estate (and land).
Afterwards, pay off the house as quickly as possible, correct your citizenship status, and perfect the land patent.
Regards,
netwrkranger
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