MH ADvantage™ Mortgages for KIT 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 offer major cost savings over site-built homes. There are a huge number of 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 that have features which are typical of traditional single-family stick-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.


MH Advantage™ offers down payments as low as 3%, interest rates lower than most traditional manufactured home loans, and cancellable mortgage insurance. Additionally, it may be combined with a HomeReady mortgage for additional benefits.

Homeownership Advantages

With MH Advantage™, you benefit from the financial perks of homeownership, like the potential for tax benefits and building equity. This means 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™. 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**

Ready to get started? Most KIT Custom Homes meet the requirements with no need to upgrade!
See your retailer for specific home requirements.