We Can Help You

We offer a wide range of financing options that will make your dream of home ownership a reality.  All of our loans are simple interest loans with no penalty for early payment.  Additionally, there are several options available for customers with past or present unfavorable credit.


Home Only

Land & Home

No Down Payment

Bank Repo

Bank, Land, & Home Foreclosures

Equity Programs

Pre-Owned Homes

Secondary Residence

Loan Pre-Qualification Form 

Please complete the form and a representative from Sanders will reach out to you shortly with your pre-qualification status.

Financing Your New Home

Sanders has a dedicated and knowledgeable staff to help you navigate through all of the decisions that come with a home purchase. There are many financing options available and we are here to make it as simple as possible for you.

Here are a few of the options that we have available:

  • Home Only - This is a loan only on the home. A minimum down payment of 5% is required, however, higher credit scores may qualify for no money down.

  • Land Plus or Land as Down Payment - This option allows you to use your land as the down payment instead of money out of your pocket.

  • Land Home Loan - This loan allows you to purchase the home, land, and land developing (clearing, septic/sewer, utilities, etc.) all at one time. 

  • Equity Program - This option does not require a minimum credit score and is available to all buyers. Down payment may be higher than other programs.

  • Buy-For Loan - This option allows a relative or friend to purchase the home for another individual. This loan is typically used if the occupant of the home has poor credit or is not working.

  • Co-Signer - This options helps an individual or couple qualify for a loan if they have limited or not credit history.

  • Secondary Residence Loan - This option is for vacation homes or other non-primary residences. Down payments are typically higher than other programs.

  • Pre-Owned Home Loan - This option allows the buyer to purchase a pre-owned home with conventional financing.

  • Bank Foreclosure - This option allows a buyer to purchase a foreclosed home. Foreclosed homes may be sold as the home only or as the home & land together.  



For a quick response, text us using

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Sanders Housing provides the largest selection of superior quality single & multi-section manufactured homes and modular homes to NW FL and surrounding areas. We serve Escambia, Santa Rosa, Okaloosa, Walton, Bay, Holmes, and Washington County in FL. Our service also extends out-of-state to include Baldwin, Mobile, Escambia, Monroe, Conecuh, and Convington County in AL.

Sanders prides itself on providing homes from the industry's top builders including Deer Valley Home Builders, Cavalier Home Builders, Clayton Homes, SE Homes, Scotbilt Homes. We select our homes based on structural integrity, affordability, superior design, and energy-efficiency. Whether you’re looking for your first home, trying to find a home to fit your growing family, or down-sizing from a site built home, Sanders has a home to fit your budget and lifestyle. 

10300 Pensacola Blvd

Pensacola, FL 32534

Phone: 850-474-0261

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