MH ADvantage® Mortgages for Manufactured Homes

Finding an affordable home is challenging when supply is low, prices are high, or available properties need renovations. Manufactured homes are an option that offers major cost savings over site-built homes. There are many attractive and modern models built to high standards with today’s most desirable amenities. The only difference is that they’re built in efficient, state-of-the-art factory facilities.

What is MH Advantage?

MH Advantage is a mortgage loan for manufactured homes with features typical of traditional single-family site-built homes. This program offers 30-year fixed-rate financing with benefits that exceed standard loans for factory-built homes. When you buy an eligible home, you’ll get:

Quality and Style

Homes that include attractive amenities like upgraded kitchens and bathrooms, attached garages, energy-efficient appliances, and architectural features that seamlessly match site-built counterparts and blend into traditional neighborhoods.

Affordability

MH Advantage offers down payments as low as 3%, interest rates lower than most traditional manufactured home loans, and cancellable mortgage insurance once you reach 20% equity in the home.

Homeownership Advantages

With MH Advantage financing, you benefit from the financial perks of homeownership, like the potential for tax benefits and building equity. This could mean more money in your pocket during tax time or if you decide to sell!

Get a Low Down Payment For Your Manufactured Home

Finding a manufactured home that fits your budget is easier than ever with MH Advantage financing. Available through most lenders, MH Advantage works similarly to mortgages for site-built homes. In other words, you own both the land and the home. This makes building equity over time a possibility!

*Compared to other manufactured home loans
**Once you reach 20% equity

A down payment as low as 3%

Traditional 30-year financing

Lower interest rates*

Cancellable mortgage insurance**

 

MH Advantage Floor Plans

ManufacturedMH Advantage

Prestige Series / 28443E The Hayden

Built by: Fleetwood Homes Nampa
3
2
1173 ft²
28'0" x 44'0"
28443E The Hayden / Skillfully designed value oriented mid size dual section home with big home features, a big living roo...
ManufacturedModularMH Advantage

Grand Manor / 6013-1C

Built by: KIT Custom Homebuilders
3
2.5
2756 ft²
44'3" x 78'8"
We are adding another home to the family of the Grand Manor series. The model 6013 offers 2756 square feet of living space...
ManufacturedModularMH Advantage

Central Great Plains / CN204

Built by: Champion Homes
3
2
1740 ft²
29'0" x 56'0"
CN204
ManufacturedModularMH Advantage

Catena / CTN-C23

Built by: Champion Homes
3
2
1972 ft²
29'0" x 68'0"
CTN-C23
ManufacturedModularMH Advantage

Pinehurst / 2506 with Tag

Built by: KIT Custom Homebuilders
4
2
2598 ft²
29'6" x 73'4"
Beautifully crafted and skillfully designed expansive family home features impressive spacious high ceiling living room wi...
ManufacturedMH Advantage

Broadmore Series / 24483M The Thompson

Built by: Fleetwood Homes Nampa
3
2
1119 ft²
24'0" x 48'0"
24483M The Thompson / Quality built, value oriented smaller three bedroom family home with big home space and features inc...
ManufacturedModularMH Advantage

Dreamworks / DW-4483B

Built by: Champion Homes
3
2
1280 ft²
26'8" x 48'0"
The Dreamworks / DW-4483B built by Champion Homes is a perfect blend of elegance and functionality. This home boasts 1,280...
ManufacturedModularMH Advantage

Hidden Valley Estates / HV6764M

Built by: Champion Homes
4
2
2306 ft²
30'4" x 76'0"
Hidden Valley Estates HV6764M
ManufacturedModularMH Advantage

Pinehurst / 2511

Built by: KIT Custom Homebuilders
3
2
1813 ft²
26'8" x 68'0"
The Pinehurst / 2511 built by Kit Customer Homebuilders is a spacious 3 bedroom, 2 bathroom manufactured home that spans a...
ManufacturedModularMH Advantage

Central Great Plains / Cortland CN964

Built by: Champion Homes
3
2
1854 ft²
29'0" x 64'0"
Central Great Plains Cortland CN964
ManufacturedModularMH Advantage

Lifestyle / Pika SCC643

Built by: Champion Homes
3
2
1715 ft²
26'8" x 64'0"
Pika SCC643
ManufacturedModularMH Advantage

Hidden Valley Estates / HV4764M

Built by: Champion Homes
4
2
2027 ft²
26'8" x 76'0"
Hidden Valley Estates HV4764M
PLEASE NOTE: All sizes and dimensions are nominal or based on approximate builder measurements. Carefree Homes reserves the right to make changes due to any changes in material, color, specifications and features anytime without notice or obligation.