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Flexible Financing Solutions to Make Your Dream Home a Reality

Explore our diverse financing options designed to fit your unique needs.

At Sanders Manufactured Housing, we believe that owning a home should be easy and stress-free—and that starts with finding the right financing. Whether you have great credit, are working to rebuild, or need a flexible solution, we offer multiple financing options tailored to fit your needs and budget. From home-only loans to land-home packages, our financing specialists are here to guide you through the process, helping you find the best path to homeownership. Let us take the guesswork out of financing so you can focus on what matters—finding the perfect home for you and your family.

We offer a variety of flexible financing options tailored to meet diverse needs, ensuring a seamless path to homeownership.

Home-Only Loans

Ideal for purchasing the home separately from the land. A minimum down payment of 3-5% is typically required; however, applicants with higher credit scores may qualify for zero down payment.

Land as Down Payment

Utilize your existing land as a down payment, reducing out-of-pocket expenses.

FHA, VA, USDA

These are government backed loans and can only be used for Land + Home purchases or putting your owned land up as collateral. With 0-3.5% required down, these loans can be attractive for buyers wanting to purchase a land + home package with minimum cash down.

Land-Home Loans

Finance the purchase of both your home and land simultaneously, including costs for land development such as clearing, septic systems, and utility hookups.

Equity Programs

Designed for buyers with lower credit scores. Higher down payments are typically required. However, with a sufficient down payment, buyers with unfavorable credit can still qualify for a home loan.

Buy-For Loans

Allows a relative or friend to purchase a home on behalf of another individual, particularly useful if the occupant has limited credit or employment history. Higher down payments are typically required.

Co-Signer Options

Enhances loan qualification chances for individuals or couples with limited or no credit history by involving a co-signer.

Secondary Residence Loans

Tailored for vacation homes or non-primary residences, typically requiring a higher down payment.

Pre-Owned Home Loans

Facilitates the purchase of pre-owned homes through conventional financing methods.

Bank Foreclosures

Opportunities to acquire foreclosed homes, available as home-only or combined home and land deals.

Why Choose Sanders for Your Home Financing?

Our Customers Are Always Our #1 Priority

Unmatched Selection

As the Gulf Coast’s largest provider of manufactured homes, we offer a diverse range of single and multi-section homes from top builders, ensuring you find the perfect fit for your lifestyle and budget.

Decades of Expertise

With over 40 years of experience serving the Gulf Coast, our knowledgeable team is dedicated to guiding you through every step of the home buying process, from selection to financing.

Customer Satisfaction

Our commitment to quality and service has earned us a 4.5-star rating from over 300 customer reviews, reflecting our dedication to making your home buying experience exceptional.

Start Your Pre-Qualification Today

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