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

ManufacturedModularMH Advantage

Transitions / Hidden Valley Estates HV4663Mxl

Built by: Champion Homes
3
2
1760 ft²
26'8" x 66'0"
Hidden Valley Estates HV4663Mxl
ManufacturedModularMH Advantage

Transitions / Hidden Valley Estates HV6623Mxl

Built by: Champion Homes
3
2
1881 ft²
30'4" x 62'0"
Hidden Valley Estates HV6623Mxl
ManufacturedModularMH Advantage

Transitions / Hidden Valley Estates HV6663Mxl

Built by: Champion Homes
3
2
2002 ft²
30'4" x 66'0"
Hidden Valley Estates HV6663Mxl
ManufacturedModularMH Advantage

Catena / CT-4644B

Built by: Champion Homes
4
2
1707 ft²
26'8" x 64'0"
CT-4644B
ManufacturedMH Advantage

Prestige Series / 28603N

Built by: Fleetwood Homes Nampa
3
2
1599 ft²
26'8" x 60'0"
28603N - Skillfully designed customizable family home features open concept spacious living room open to large modern kitc...
ManufacturedModularMH Advantage

Grand Manor / 6013

Built by: KIT Custom Homebuilders
3
2.5
2756 ft²
40'0" x 70'8"
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

Cedar Canyon LS / 2032-2

Built by: KIT Custom Homebuilders
3
2
1280 ft²
26'8" x 56'0"
Cedar Canyon LS 2032-2 3 Bdr / 2 Bath / 1280 sqft. - Home has great snack bar from kitchen into dining room. Large living ...
ManufacturedModularMH Advantage

Pinehurst / 2510-2

Built by: KIT Custom Homebuilders
3
2
2832 ft²
40'0" x 70'0"
3 Bdr / 2 Bath / 2832 sqft. - This Pinehurst 2510 offers 2832 square feet of living space with the added versatility of be...
ManufacturedModularMH Advantage

Pinehurst / 2504-2

Built by: KIT Custom Homebuilders
3
2
1494 ft²
26'8" x 56'0"
Pinehurst 2504 - 3 Bdr / 2 Bath / 1494 sqft. - Home is a three bedroom with large closets in each bedroom. Offers a choice...
ManufacturedModularMH Advantage

Cedar Canyon LS / 2083 V2

Built by: KIT Custom Homebuilders
3
2
1947 ft²
29'6" x 66'0"
Cedar Canyon 2083 LS V2 - 3 Bdr / 2 Bath / 1,947 sqft. - Skillfully and beautifully designed by Kit Custom Homebuilders fe...
ManufacturedModularMH Advantage

Pinehurst / 2502 V2

Built by: KIT Custom Homebuilders
3
2
1280 ft²
26'8" x 48'0"
2502 V2
ManufacturedModularMH Advantage

Pinehurst / 2506 V2

Built by: KIT Custom Homebuilders
4
2
2163 ft²
29'6" x 73'4"
2506 V2
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.