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.


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**

ManufacturedModularMH Advantage

Deer Valley Series / Asolo II DVD-7403B

Built by: Deer Valley Homebuilders
2100 ft²
32'0" x 74'0"
Family homeowner preferred floor plan with large master bedroom and luxurious master bath privately located away from gues...
ManufacturedModularMH Advantage

Sun Valley Series / Tahoe Harbor SVM-5802

Built by: Deer Valley Homebuilders
1920 ft²
45'0" x 58'0"
Quality and customizable family home offers optional large covered porch and box bay windows off dining room, ideal for in...
ModularMH Advantage

Sun Valley Series / The Etienne SVM-9008

Built by: Deer Valley Homebuilders
2580 ft²
32'0" x 90'0"
Expansive quality constructed quality “open concept” home designed for ease of living, elegance and functionality that wil...

All sizes and dimensions are nominal or based on approximate builder measurements. Southern Colonel Homes reserves the right to make changes due to any changes in material, color, specifications and features anytime without notice or obligation.