All of that varies greatly by state. Typically it is harder to finance land than a house; you’ll either have a high rate, will have to put down a significant amount, or likely both. The best way (in my opinion) is find land you want, then buy it/start build immediately with a construction loan - construction finished = wrap it all up into a traditional loan. As always, paying cash is the easiest way.
If you go just land (with intent to build in the future), then definitely get a geological survey done and make sure you can build a septic (does soil support a septic, and which kind...leech field or mound system)? What about a well (what is the water table depth? More depth = more $...estimated flow rate?), can you run power to the site, is a road/driveway already in or will you have to factor that excavation into the budget, etc. With all these things, check local ordinances, zoning, etc. to ensure what you want (or can live with) is within the local laws. Worst thing is you get emotionally attached to beautiful land, only to realize after signing the papers you can’t put a septic on it, or the driveway is going to cost $100k because of significant blasting required. Doing your homework will save a lot of headaches, and said homework will take your time and some money (surveyor, geologist, etc.)