How do I get a loan for land and construction together?

I recommend that you speak to a local bank or mortgage broker.

I would recommend that you find a builder who has the resources to acquire the land, and build you a home. Then you buy it from him as a normal purchase. Typically they require a non refundable earnest money of at least $5000

There are several ways to go.. but it starts with getting with a local mortgage pro and let them look at your complete objectives.. Most construction loans are going to require 20% down.. It's possible a builder might build a home on his own dime, asking you for a small deposit, but this is an unlikely scenario.. But again, your local mortgage pro can go over all the different options and then you can see which one is right for you.. 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