Clayton Homes Phases of Construction

The typical phases of construction for Clayton Homes.

These phases of construction are a general outline and not all of these phases may be necessary for your new home.

Clayton Home Buying Process

Home Ownership Made Easy

These are the most common phases of the Clayton journey of becoming a homeowner. These may not all be necessary for your perfect home.

Manufactured & Mobile Home Lenders

We understand it can be difficult to find the right lender. While choosing a lender is always your choice, we proudly work with two affiliate lenders, Vanderbilt Mortgage and Silverton Mortgage, and trusted national partners, including Cascade, eLEND and Credit Human.

Special Financing Available For A Limited Time

Looking for a manufactured home on land? Take advantage of this special rate on move-in ready homes while they last!

*ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. MAY NOT BE COMBINED WITH OTHER INCENTIVES. Contact your local home center for a list of eligible homes. Contracts written on or after 6/2/2025. Loan must close before 9/30/2025. All terms and conditions subject to credit approval, market conditions, and availability. Vanderbilt Mortgage and Finance, Inc, dba Silverton Mortgage has locked in a fixed interest rate for a pool of funds. Rates only available until pool of funds is depleted or rate expires. Example of 4.99% Interest Rate (5.837% APR) with $250,000.00 sales price. $245,471.00 loan amount, 30-year fixed rate loan based on 360 monthly payments at $1,316.24 each (P&I only). Monthly payments do not include required mortgage insurance, taxes, insurance premiums or other applicable escrows. Actual payment amount will be higher. 3.5% cash down payment of $8,750 required. Example assumes 680 credit score and includes $1,495.00 origination fee, 0.5 discount points paid by buyer and 2 discount points paid by seller, 5.837% APR and 4.99% interest rate as of 6/2/2025. Rate, fees, other charges and terms subject to change. Available loan programs and terms will vary by state. Vanderbilt Mortgage and Finance, Inc., and its dba Silverton Mortgage, 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Financing Law License and Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensed by the N.J. Department of Banking and Insurance, Licensed by PA Dept. of Banking and Securities, Rhode Island Licensed Lender.