It can be very difficult to get a mortgage on vacant land these days. I have had several clients that have been looking at lake front lots or lake view lots and have asked me if any the banks in our area are doing any lending on land.
I have found 2 banks that are willing to lend on lots:
Macon Bank in Cashiers, NC 828-743-7000. Ask for Will Madden
First Citizens Bank in Highlands, NC 828-743-526-9692