Financing
Financing your Clayton home, made simpler.
Clayton works with two specialized lenders that focus exclusively on manufactured homes — and that makes the whole process less intimidating than a traditional mortgage. Here's how it works.
The Process
Four steps to the keys.
Pre-qualify
A short application tells us your buying power. Soft credit pull, no commitment. Most folks get an answer the same day.
Choose your home
With your budget locked in, we walk the lot, talk floor plans, and pick the model and customizations that fit your life.
Submit your application
Full credit and income verification through Vanderbilt or 21st Mortgage. Both lenders specialize in manufactured homes — they get it.
Close and move in
Sign the papers, schedule delivery, and get the keys. I'm with you the whole way through closing day and beyond.
Our Lending Partners
Two lenders that specialize in this.
Clayton's Sister Lender
Vanderbilt Mortgage
A Clayton family company that's been financing manufactured homes for over 50 years. Specializes in customers who don't fit a traditional mortgage box — flexible underwriting, real human reviews, and they understand manufactured homes inside and out.
- Flexible credit guidelines
- Specializes in manufactured homes
- Customer service team based in Tennessee
- Multiple loan term options
Manufactured Home Specialist
21st Mortgage
One of the largest manufactured-home lenders in America. 21st Mortgage offers chattel (home-only) and land/home loans, plus options for buyers with credit challenges. Quick decisions and a streamlined application.
- Chattel and land/home loans
- Programs for credit-challenged buyers
- Online application
- Decisions usually within 1–2 business days
Vanderbilt Mortgage and 21st Mortgage are independent lending companies. Loan approval, terms, and rates are determined by the lender and depend on your credit and financial situation. All loans subject to credit approval.
FAQ · Financing
Financing Questions
Ready to see what you qualify for?
Pre-qualification is free, fast, and a soft credit pull that won't hurt your score. Call me and we'll get you started.