On our lot
Single-section
The Buttercup
Mini Series · TRT12361PH
Call for pricing
12' × 36' single-section home from Clayton's TRU Mini line.
- 1 bd
- 1 ba
- 408 sq ft
- 12' × 36'
On our lot · Norman, OKView
01Home + land · Central Oklahoma
The home and the land,
handled together.
We help you find the right home, the right land, and the right setup — without confusion or guesswork.
02Where you are starting from
Own land, or need land?
Everything else — the loan, the home that fits, the setup cost — follows from this one answer, so it is the first thing we ask.
I own land
Start hereSend us the address first
Before you choose a floor plan, we look at the parcel: the road in and the room to set a home, where water, sewer and power will come from, setbacks, flood zone, and what the ground will take. It decides which homes can go there at all.
Your land can help pay for the home
On a land-home loan, the equity in a parcel you own can often count toward the down payment. Lenders treat it differently, so ask how yours does before you set money aside for a down payment you may not need.
Title the home with the land
Oklahoma issues a manufactured home its own certificate of title, the way it does a vehicle. Once the home is permanently affixed to land the owner also owns, the owner files to cancel that title — the county assessor certifies the land description first, and the cancellation has to follow within 60 days — under 47 O.S. § 1110. From then on the home is conveyed with the real estate. A title cannot be surrendered while a security interest on the home is unreleased.
I need land
Start hereCheck the parcel before you buy it
Zoning and deed restrictions decide whether a manufactured home can go on a piece of land at all, and a cheap lot with no water line is not a cheap lot. Send us a listing before you make an offer and we will tell you what we see.
Look at USDA before you rule it out
USDA lending is a rural-eligibility test on the parcel, not on the buyer's idea of rural, and a great deal of the ground around Norman passes it even though Norman itself does not. It is worth ten minutes with the USDA eligibility map before you assume you do not qualify — and note it applies to land you own, not a leased pad.
Or lease a lot instead
Without land of your own, a home can go on a leased lot in a community. You buy the home, pay lot rent for the ground, and finance it with a home-only loan. It is the quickest way in, and the one that builds the least equity.
03Financing
One loan for both, or the home on its own.
Land-home
The land, the site work and the home on one loan, closed once. With the home on a permanent foundation and titled with the land, it is a mortgage — conventional, FHA, VA, or USDA where the parcel qualifies — at mortgage rates and terms.
Home-only
The home financed on its own, as personal property — on a leased lot, or on land you already own when you would rather keep the land out of the loan. Simpler and quicker to close; rates run higher and terms shorter than a mortgage.
04Delivery and setup
From the plant to your front door.
The part people worry about most, and the part with the fewest surprises once the site has been looked at properly.
- 01
Site work
The pad or foundation, built to the plan and to the ground. Around Norman footings go below an 18-inch frost line. Utilities are brought to where the home will sit.
- 02
Delivery
The home comes from the plant on its own running gear — one load for a single wide, two for a double. Delivery is included with the home. What matters on the day is the last few hundred feet: the turn, the drive and the room to set.
- 03
The set
The home is placed, levelled on its piers and anchored. A double wide's two halves are joined along the marriage line and the roof, ducts and finishes tied together so it lives as one house.
- 04
Hook-ups and finish
Water, sewer or septic, electric and gas are connected and inspected. Then skirting, steps and the final walk-through with you.
What each of those costs, and what moves the number, is in the pricing guide.
05The process
Six steps, in this order.
Taken out of order is how a purchase goes sideways — a home chosen before the land is checked, a lot bought before the loan is known.
- 01Call or come to the lot — tell us whether you have land, and roughly where.
- 02Pre-qualify, so you know which loans are open to you before you choose anything.
- 03We check the parcel and put the site work in writing.
- 04Choose the home, the options and the finishes.
- 05The loan closes, the home is ordered and the site is prepared.
- 06Delivery, set, hook-ups and the final walk-through.
06The homes
Start with the ones on our lot.
On our lot
Double-section
The Sycamore
Origin Series · TRT28684SH
Call for pricing
28' × 68' double-section home from Clayton's TRU Origin line.
- 4 bd
- 2 ba
- 1,791 sq ft
- 28' × 68'
On our lot · Norman, OKView
On our lot
Double-section
The Oak
Origin Series · TRT28564AH
Call for pricing
28' × 56' double-section home from Clayton's TRU Origin line.
- 4 bd
- 2 ba
- 1,475 sq ft
- 28' × 56'
On our lot · Norman, OKView
07Next steps
Where to go from here.
Ready to talk about a real home?
Call 405-288-1093, or tell us what you are after and we will call you back. Pre-qualifying online needs no Social Security number.