will fha make a loan on a property of 1 acre that has a detached garage that is as big as the mail dwelling?

Yes.. so long as the entire property meets all FHA property standards, it shouldn't be a problem.. One thing that could be an issue is value.. When it comes to appraisals, the goal is to find "Like" properties that have sold in the past 3 to 6 months that can be used as a reference when determining the value on the subject property. If there hasn't been any other properties with a detached garage that's sold in the past 6 months, then the appraiser might not give it much value.. This could affect your transaction.. Talk to your real estate agent and ask them if anything like this property has sold.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347