Real Estate Law
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I am not sure that I understand what you wish to do. If the two lots are in an existing subdivision their legal descriptions most likely cannot be changed to combine two separate lots into a single lot. Further, if that were in fact possible, then it would be very difficult and frightfully expensive to ever subdivide them into separated lots again. Having a mortgage on the combined description would make it doubly difficult because the bank would have to release its mortgage on a portion of the land. It would be best to leave the lots separated and not include the second lot in the loan process.
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