$220k collateral for a $400k loan, I mean what could possibly go wrong

That's assuming the "land" even exists and is actually worth that much, and before getting into the details of how you're gonna pay $80k in interest or how you have "good credit" if you're at risk of losing your house.
I got a credit that I can use it to get a loan from Bank with lower interests , but I need it faster besides I am sure I can provide that interest with my property when it gets out of court seized, I'm eager to see the person face to face and make the contract in front of a legitimate lawyer, I just need this loan as fast as possible, this offer is still open .