Buyer trying to mortgage landlocked home

[Antonio DeFlorio]

Wondering if anyone is familiar with landlocked homes and conventional mortgage viability for buyers?

There is a whole story to this, but I'll keep details relevant to the question. I am trying to solve an issue for several homeowners, one of which is trying to refinance. They are burning money trying to buy state land for no reason when I believe there is a better way. I also will pick myself up a great deal in the process (my purchase is cash, but aim to flip).

If a property is landlocked, and banks seem reluctant to fund mortgage or refinance for buyer (have before many times, but more strict now), what exactly does the property need as far as legal access for bank to write a mortgage? Would a deed of neighboring property showing a vehicular easement suffice? Or does the home in question actually need personal ownership of land from home to public roadway? I have a grasp on easements, but none show on deeds. Rural area. Easements by necessity or prescription readily apply here, but would be a more abrasive than necessary approach.

Thanks