What is needed for a land and construction mortgage

A lender is the real expert for this question, but as a REALTOR I can help get you started. First, it is dependent on the lender and the programs they have. Typically for any loan you need to have documented income. Secondly, the land will need to be appraised to confirm the value is there. I would definitely talk to a seasoned agent in your local area who can recommend the perfect lender. Remember -- not all lenders are equal!!!!