mortgages on homes on land leases depend on the lenght of the lease and the condition of the home, there is a few more criteria items that a lender would need, but it can be done.
Which area are you looking? I know of only a few between bayhead and south seaside park.
I specialize in properties on the barrier island, contact me direct for any other questions.
In today's restricted financing market it may be hard to find a lender that would be willing to lend on a leasehold property. You may want to check with your local banks if they have a program available but first check on how much time is left on the leasehold property. If it is less than 30 years move on.