Financing Made Simple

At Clayton Homes Ashland, we connect you with multiple trusted lenders to help you find the right financing for your new home. Whether you’re exploring land-home packages or home-only loans, our team guides you step-by-step to make the process simple, clear, and built around your budget.

Financing your new home should feel clear and manageable. At Clayton Homes Ashland, we work with a network of trusted lenders to offer flexible loan options tailored to your financial situation. Because every buyer’s needs are different, we help match you with programs based on credit profile, income, land ownership status, and long-term goals.

There are two main financing paths available: land-home packages and home-only loans.

A land-home package combines the purchase of your home and the land it will sit on into one mortgage. This option works well for buyers who already own land or are purchasing land along with their home. In many cases, these loans function similarly to traditional mortgages and may offer fixed-rate terms and a single monthly payment. Depending on lender guidelines and appraisal, certain site-related costs—such as foundation, delivery, installation, and utility connections—may be included in the total loan amount.

A home-only loan finances just the home itself. This option is commonly used when placing a home in a land-lease community or on property that is not being included in the financing. Terms, down payment requirements, and loan structures vary by lender, but our team helps you review available programs and understand what to expect before moving forward.

The process typically begins with a pre-qualification to estimate what you may qualify for. After selecting your home and financing path, you’ll complete a full application and provide documentation for our lenders. Once approved, you’ll move to closing and final steps toward delivery and installation.

Our goal is to make financing straightforward, transparent, and supportive—so you can move toward homeownership with confidence.