Document:

<PAGE>

                                                                    Exhibit 4.12

                             SUPPLEMENTAL INDENTURE

         SUPPLEMENTAL INDENTURE (this "Supplemental Indenture"), dated as of

January 13, 2003, among HomePride Insurance Agency, Inc., a Kansas corporation,

HP National Mortgage Holdings, Inc., a Michigan corporation, and Champion

Enterprises Management Co., a Michigan corporation (collectively, the "New

Subsidiary Guarantors"), each an indirect subsidiary of Champion Home Builders

Co., a Michigan corporation (the "Issuer"), Champion Enterprises, Inc.

("Parent"), the Issuer, the Subsidiary Guarantors (the "Existing Subsidiary

Guarantors") under the Indenture referred to below, and Bank One Trust Company,

N.A., a national banking association, as trustee under the Indenture referred to

below (the "Trustee").

         A.       The Issuer, Parent and the Existing Subsidiary Guarantors have

heretofore executed and delivered to the Trustee an Indenture (as such may be

amended from time to time, the "Indenture"), dated as of April 22, 2002,

providing for the issuance of the Issuer's 11 1/4% Senior Notes Due 2007 (the

"Notes").

         B.       Sections 4.13 and 8.02 of the Indenture provide that under

certain circumstances the Issuer is required to cause certain Restricted

Subsidiaries (as defined in the Indenture), including each of the New Subsidiary

Guarantors, to execute and deliver to the Trustee a supplemental indenture

pursuant to which each such Restricted Subsidiary shall unconditionally

guarantee, on a senior unsecured basis, all of the Issuer's obligations under

the Notes and the Indenture on the terms set forth in the Indenture and this

Supplemental Indenture.

         C.       Pursuant to Section 9.01 of the Indenture, the Trustee, the

Issuer, Parent and the Subsidiary Guarantors, are authorized to execute and

deliver this Supplemental Indenture.

         NOW THEREFORE, in consideration of the foregoing and for other good and

valuable consideration, the receipt of which is hereby acknowledged, the New

Subsidiary Guarantors, the Issuer, Parent, the Subsidiary Guarantors and the

Trustee mutually covenant and agree for the equal and ratable benefit of the

Holders of the Notes as follows:

         1.       Definitions.

                  (a)      Capitalized terms used herein without definition

shall have the meanings assigned to them in the Indenture.

                  (b)      For all purposes of this Supplemental Indenture,

except as otherwise herein expressly provided or unless the context otherwise

requires: (i) the terms and expressions used herein shall have the same meanings

as corresponding terms and expressions used in the Indenture; and (ii) the words

"herein," "hereof" and "hereby" and other words of similar import used in this

Supplemental Indenture refer to this Supplemental Indenture as a whole and not

to any particular section hereof.

         2.       Agreement to Guarantee. Each New Subsidiary Guarantor hereby,

jointly and severally, unconditionally Guarantees with all other Subsidiary

Guarantors, the Notes or the obligations of the Issuer under the Indenture or

the Notes on the terms and subject to the conditions set forth in Article 8 of

the Indenture and agrees to be bound by all other applicable

<PAGE>

                                                                    Exhibit 4.12

provisions of the Indenture. From and after the date hereof, each New Subsidiary

Guarantor shall be a Subsidiary Guarantor for all purposes under the Indenture

and the Notes.

         3.       Ratification of Indenture; Supplemental Indentures Part of

Indenture. Except as expressly amended hereby, the Indenture is in all respects

ratified and confirmed and all the terms, conditions and provisions thereof

shall remain in full force and effect. This Supplemental Indenture shall form a

part of the Indenture for all purposes, and every Holder of Notes heretofore or

hereafter authenticated and delivered shall be bound hereby.

         4.       Governing Law. THIS INTERNAL LAW OF THE STATE OF NEW YORK

SHALL GOVERN AND BE USED TO CONSTRUE THIS SUPPLEMENTAL INDENTURE WITHOUT GIVING

EFFECT TO APPLICABLE PRINCIPLES OF CONFLICTS OF LAW TO THE EXTENT THAT THE

APPLICATION OF THE LAWS OF ANOTHER JURISDICTION WOULD BE REQUIRED THEREBY.

         5.       Trustee Makes No Representation. The Trustee makes no

representation as to the validity or sufficiency of this Supplemental Indenture.

         6.       Counterparts. The parties may sign any number of copies of

this Supplemental Indenture. Each signed copy shall be an original, but all of

them together represent the same agreement.

         7.       Effect of Headings. The Section headings herein are for

convenience only and shall not affect the construction thereof.

                            [signatures on next page]

<PAGE>

                                                                    Exhibit 4.12

         IN WITNESS WHEREOF, the parties hereto have caused this Supplemental

Indenture to be duly executed as of the date first above written.

                                    HOMEPRIDE INSURANCE AGENCY, INC.

                                    HP NATIONAL MORTGAGE HOLDINGS, INC.

                                    CHAMPION ENTERPRISES MANAGEMENT CO.

                                    By: /s/ JOHN J. COLLINS, JR.

                                        ------------------------------------

                                    Name:  John J. Collins, Jr.

                                    Title:    Secretary

                                    CHAMPION HOME BUILDERS CO.

                                    By: /s/ JOHN J. COLLINS, JR.

                                        ------------------------------------

                                    Name:  John J. Collins, Jr.

                                    Title:    Secretary

                                    CHAMPION ENTERPRISES, INC.

                                    By: /s/ JOHN J. COLLINS, JR.

                                        ------------------------------------

                                    Name:  John J. Collins, Jr.

                                    Title:    Secretary

                                    SUBSIDIARY GUARANTORS:

                                    A-1 CHAMPION GP, INC.

                                    ALPINE HOMES, INC.

                                    AT LIQUIDATING CORP. (F/K/A AMERICAN

                                      TRANSPORT, INC.

                                    ART RICHTER INSURANCE, INC.

                                    AUBURN CHAMP, INC.

                                    BUILDERS CREDIT CORPORATION

                                    CAC FUNDING CORPORATION

                                    CARE FREE HOMES, INC.

                                    CHI, INC. (F/K/A CARNIVAL HOMES, INC.)

                                    CHAMPION FINANCIAL CORPORATION

                                    CHAMPION GP, INC.

                                    CHAMPION RETAIL, INC.(F/K/A

                                      CHAMPION HOME CENTERS, INC.)

                                    CHAMPION HOME COMMUNITIES, INC.

                                    CHAMPION MOTOR COACH, INC.

<PAGE>

                                                                    Exhibit 4.12

                                    CHANDELEUR HOMES, INC.

                                    CLIFF AVE. INVESTMENTS, INC.

                                    CRESTPOINTE FINANCIAL SERVICES, INC.

                                    CRH LIQUIDATING CORP. (F/K/A CREST

                                      RIDGE HOMES, INC.)

                                    DUTCH HOUSING, INC.

                                    FHA LIQUIDATING CORP. (F/K/A FACTORY

                                      HOMES OUTLET, INC.)

                                    FLEMING COUNTY INDUSTRIES, INC.

                                    GATEWAY ACCEPTANCE CORP.

                                    GATEWAY MOBILE & MODULAR HOMES,

                                      INC.

                                    GATEWAY PROPERTIES CORP.

                                    GEM HOMES, INC.

                                    GM LIQUIDATING CORP. (F/K/A GRAND

                                      MANOR, INC.)

                                    HOMEPRIDE FINANCE CORP.

                                    HAF LIQUIDATING CORP. (F/K/A HOMES

                                      AMERICA FINANCE, INC.)

                                    HAA LIQUIDATING CORP. (F/K/A HOMES

                                      AMERICA OF ARIZONA, INC.)

                                    HAC LIQUIDATING CORP. (F/K/A HOMES

                                      AMERICA OF CALIFORNIA, INC.)

                                    HAO LIQUIDATING CORP. (F/K/A HOMES

                                      AMERICA OF OKLAHOMA, INC.)

                                    HAU LIQUIDATING CORP. (F/K/A HOMES

                                      AMERICA OF UTAH, INC.)

                                    HAW LIQUIDATING CORP. (F/K/A HOMES

                                      AMERICA OF WYOMING, INC.)

                                    HOMES OF LEGEND, INC.

                                    HOMES OF MERIT, INC.

                                    I.D.A., INC.

                                    ISEMAN CORP.

                                    LAMPLIGHTER HOMES, INC.

                                    LAMPLIGHTER HOMES (OREGON), INC.

                                    MODULINE INTERNATIONAL, INC.

                                    NORTHSTAR CORPORATION

                                    PRAIRIE RIDGE, INC.

                                    REDMAN BUSINESS TRUST

                                    REDMAN HOMES, INC.

                                    REDMAN HOMES MANAGEMENT

                                      COMPANY, INC.

                                    REDMAN INDUSTRIES, INC.

                                    REDMAN INVESTMENT, INC.

                                    REDMAN MANAGEMENT SERVICES

                                      BUSINESS TRUST

<PAGE>

                                                                    Exhibit 4.12

                                    REDMAN RETAIL, INC.

                                    REGENCY SUPPLY COMPANY, INC.

                                    SAN JOSE ADVANTAGE HOMES, INC.

                                    SERVICE CONTRACT CORPORATION

                                    SOUTHERN SHOWCASE FINANCE, INC.

                                    SOUTHERN SHOWCASE HOUSING, INC.

                                    STAR FLEET, INC.

                                    THE OKAHUMPKA CORPORATION

                                    TRADING POST MOBILE HOMES, INC.

                                    USAMH LIQUIDATING CORP. (F/K/A U.S.A.

                                      MOBILE HOMES, INC.)

                                    VICTORY INVESTMENT COMPANY

                                    WESTERN HOMES CORPORATION

                                    WM LIQUIDATING CORP. (F/K/A

                                      WHITWORTH MANAGEMENT, INC.)

                                    By: /s/ JOHN J. COLLINS, JR.

                                        ------------------------

                                        John J. Collins, Jr., Secretary

                                                         6

                                    THE UNDERSIGNED, IN THE CAPACITIES

                                    INDICATED, IS THE AUTHORIZED SIGNATORY FOR

                                    THE FOLLOWING SUBSIDIARY GUARANTORS:

                                    GENESIS HOME CENTERS, LIMITED

                                      PARTNERSHIP

                                    HH LIQUIDATING L.P. (F/K/A HEARTLAND

                                      HOMES, L.P.)

                                    By: /s/ JOHN J. COLLINS, JR.

                                        ------------------------------------

                                        John J. Collins, Jr., as Secretary of

                                        Champion GP, Inc., General Partner of

                                        Genesis Home Centers, Limited

                                        Partnership and HH Liquidating L.P.

                                    A-1 HOMES GROUP, L.P.

                                    By: /s/ JOHN J. COLLINS, JR.

                                        ------------------------------------

                                        John J. Collins, Jr., as Secretary of

                                        A-1 Champion GP, Inc., General Partner

                                        of A-1 Homes Group, L.P.

<PAGE>

                                                                    Exhibit 4.12

                                    HOMES OF KENTUCKIANA, L.L.C.

                                    By: /s/ JOHN J. COLLINS, JR

                                        ------------------------------------

                                        John J. Collins, Jr., as Secretary of

                                        Trading Post Mobile Homes, Inc., Sole

                                        Member of Homes of Kentuckiana, L.L.C.

                                    BANK ONE TRUST COMPANY, N.A., as Trustee

                                    By:   /s/ JANICE OTT ROTUNNO

                                          ----------------------------------

                                    Name: Janice Ott Rotunno

                                    Title:Vice President

                                       6<PAGE>
                                                                    EXHIBIT 4.13
                             SUPPLEMENTAL INDENTURE

         SUPPLEMENTAL INDENTURE (this "Supplemental Indenture"), dated as of
January 31, 2003, among Moduline Industries (Canada) Ltd.. an Alberta
corporation (the "New Subsidiary Guarantor"), an indirect subsidiary of Champion
Home Builders Co., a Michigan corporation (the "Issuer"), Champion Enterprises,
Inc. ("Parent"), the Issuer, the Subsidiary Guarantors (the "Existing Subsidiary
Guarantors") under the Indenture referred to below, and Bank One Trust Company,
N.A., a national banking association, as trustee under the Indenture referred to
below (the "Trustee").

         A. The Issuer, Parent and the Existing Subsidiary Guarantors have
heretofore executed and delivered to the Trustee an Indenture (as such may be
amended from time to time, the "Indenture"), dated as of April 22, 2002,
providing for the issuance of the Issuer's 11 1/4% Senior Notes Due 2007 (the
"Notes").

         B. Sections 4.13 and 8.02 of the Indenture provide that under certain
circumstances the Issuer is required to cause certain Restricted Subsidiaries
(as defined in the Indenture), including the New Subsidiary Guarantor, to
execute and deliver to the Trustee a supplemental indenture pursuant to which
each such Restricted Subsidiary shall unconditionally guarantee, on a senior
unsecured basis, all of the Issuer's obligations under the Notes and the
Indenture on the terms set forth in the Indenture and this Supplemental
Indenture.

         C. Pursuant to Section 9.01 of the Indenture, the Trustee, the Issuer,
Parent and the Subsidiary Guarantors, are authorized to execute and deliver this
Supplemental Indenture.

         NOW THEREFORE, in consideration of the foregoing and for other good and
valuable consideration, the receipt of which is hereby acknowledged, the New
Subsidiary Guarantor, the Issuer, Parent, the Subsidiary Guarantors and the
Trustee mutually covenant and agree for the equal and ratable benefit of the
Holders of the Notes as follows:

         1. Definitions.

                  (a) Capitalized terms used herein without definition shall
have the meanings assigned to them in the Indenture.

                  (b) For all purposes of this Supplemental Indenture, except as
otherwise herein expressly provided or unless the context otherwise requires:
(i) the terms and expressions used herein shall have the same meanings as
corresponding terms and expressions used in the Indenture; and (ii) the words
"herein," "hereof" and "hereby" and other words of similar import used in this
Supplemental Indenture refer to this Supplemental Indenture as a whole and not
to any particular section hereof.

         2. Agreement to Guarantee. The New Subsidiary Guarantor hereby, jointly
and severally, unconditionally Guarantees with all other Subsidiary Guarantors,
the Notes or the obligations of the Issuer under the Indenture or the Notes on
the terms and subject to the conditions set forth in Article 8 of the Indenture
and agrees to be bound by all other applicable

<PAGE>

provisions of the Indenture. From and after the date hereof, the New Subsidiary
Guarantor shall be a Subsidiary Guarantor for all purposes under the Indenture
and the Notes.

         3. Ratification of Indenture; Supplemental Indentures Part of
Indenture. Except as expressly amended hereby, the Indenture is in all respects
ratified and confirmed and all the terms, conditions and provisions thereof
shall remain in full force and effect. This Supplemental Indenture shall form a
part of the Indenture for all purposes, and every Holder of Notes heretofore or
hereafter authenticated and delivered shall be bound hereby.

         4. Governing Law. THIS INTERNAL LAW OF THE STATE OF NEW YORK SHALL
GOVERN AND BE USED TO CONSTRUE THIS SUPPLEMENTAL INDENTURE WITHOUT GIVING EFFECT
TO APPLICABLE PRINCIPLES OF CONFLICTS OF LAW TO THE EXTENT THAT THE APPLICATION
OF THE LAWS OF ANOTHER JURISDICTION WOULD BE REQUIRED THEREBY.

         5. Trustee Makes No Representation. The Trustee makes no representation
as to the validity or sufficiency of this Supplemental Indenture.

         6. Counterparts. The parties may sign any number of copies of this
Supplemental Indenture. Each signed copy shall be an original, but all of them
together represent the same agreement.

         7. Effect of Headings. The Section headings herein are for convenience
only and shall not affect the construction thereof.

                            [signatures on next page]

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Supplemental
Indenture to be duly executed as of the date first above written.

                                    MODULINE INDUSTRIES (CANADA) LTD.

                                    By: /s/ JOHN J. COLLINS, JR.
                                        ----------------------------------------
                                    Name:  John J. Collins, Jr.
                                    Title: Secretary

                                    CHAMPION HOME BUILDERS CO.

                                    By: /s/ JOHN J. COLLINS, JR.
                                        ----------------------------------------
                                    Name:  John J. Collins, Jr.
                                    Title: Secretary

                                    CHAMPION ENTERPRISES, INC.

                                    By: /s/ JOHN J. COLLINS, JR.
                                        ----------------------------------------
                                    Name:  John J. Collins, Jr.
                                    Title: Secretary

                                    SUBSIDIARY GUARANTORS:

                                    A-1 CHAMPION GP, INC.
                                    ALPINE HOMES, INC.
                                    AT LIQUIDATING CORP. (F/K/A AMERICAN
                                      TRANSPORT, INC.
                                    ART RICHTER INSURANCE, INC.
                                    AUBURN CHAMP, INC.
                                    BUILDERS CREDIT CORPORATION
                                    CAC FUNDING CORPORATION
                                    CARE FREE HOMES, INC.
                                    CHI, INC. (F/K/A CARNIVAL HOMES,  INC.)
                                    CHAMPION ENTERPRISES MANAGEMENT CO.
                                    CHAMPION FINANCIAL CORPORATION
                                    CHAMPION GP, INC.
                                    CHAMPION RETAIL, INC.(F/K/A CHAMPION
                                      HOME CENTERS, INC.)
                                    CHAMPION HOME COMMUNITIES, INC.
                                    CHAMPION MOTOR COACH, INC.

<PAGE>

                                    CHANDELEUR HOMES, INC.
                                    CLIFF AVE. INVESTMENTS, INC.
                                    CRESTPOINTE FINANCIAL SERVICES,  INC.
                                    CRH LIQUIDATING CORP. (F/K/A CREST RIDGE
                                      HOMES, INC.)
                                    DUTCH HOUSING, INC.
                                    FHA LIQUIDATING CORP. (F/K/A FACTORY HOMES
                                      OUTLET, INC.)
                                    FLEMING COUNTY INDUSTRIES, INC.
                                    GATEWAY ACCEPTANCE CORP.
                                    GATEWAY MOBILE & MODULAR HOMES, INC.
                                    GATEWAY PROPERTIES CORP.
                                    GEM HOMES, INC.
                                    GM LIQUIDATING CORP. (F/K/A GRAND MANOR,
                                      INC.)
                                    HOMEPRIDE FINANCE CORP.
                                    HOMEPRIDE INSURANCE AGENCY, INC.
                                    HAF LIQUIDATING CORP. (F/K/A HOMES AMERICA
                                      FINANCE, INC.)
                                    HAA LIQUIDATING CORP. (F/K/A HOMES AMERICA
                                      OF ARIZONA, INC.)
                                    HAC LIQUIDATING CORP. (F/K/A HOMES AMERICA
                                      OF CALIFORNIA, INC.)
                                    HAO LIQUIDATING CORP. (F/K/A HOMES AMERICA
                                      OF OKLAHOMA, INC.)
                                    HAU LIQUIDATING CORP. (F/K/A HOMES AMERICA
                                      OF UTAH, INC.)
                                    HAW LIQUIDATING CORP. (F/K/A HOMES AMERICA
                                      OF WYOMING, INC.)
                                    HOMES OF LEGEND, INC.
                                    HOMES OF MERIT, INC.
                                    HP NATIONAL MORTGAGE HOLDINGS, INC.
                                    I.D.A., INC.
                                    ISEMAN CORP.
                                    LAMPLIGHTER HOMES, INC.
                                    LAMPLIGHTER HOMES (OREGON), INC.
                                    MODULINE INTERNATIONAL, INC.
                                    NORTHSTAR CORPORATION
                                    PRAIRIE RIDGE, INC.
                                    REDMAN BUSINESS TRUST
                                    REDMAN HOMES, INC.
                                    REDMAN HOMES MANAGEMENT COMPANY, INC.
                                    REDMAN INDUSTRIES, INC.
                                    REDMAN INVESTMENT, INC.

<PAGE>

                                    REDMAN MANAGEMENT SERVICES BUSINESS TRUST
                                    REDMAN RETAIL, INC.
                                    REGENCY SUPPLY COMPANY, INC.
                                    SAN JOSE ADVANTAGE HOMES, INC.
                                    SERVICE CONTRACT CORPORATION
                                    SOUTHERN SHOWCASE FINANCE, INC.
                                    SOUTHERN SHOWCASE HOUSING, INC.
                                    STAR FLEET, INC.
                                    THE OKAHUMPKA CORPORATION
                                    TRADING POST MOBILE HOMES, INC.
                                    USAMH LIQUIDATING CORP. (F/K/A U.S.A.
                                      MOBILE HOMES, INC.)
                                    VICTORY INVESTMENT COMPANY
                                    WESTERN HOMES CORPORATION
                                    WM LIQUIDATING CORP. (F/K/A WHITWORTH
                                      MANAGEMENT, INC.)

                                    By: /s/ JOHN J. COLLINS, JR.
                                        ----------------------------------------
                                        John J. Collins, Jr., Secretary

                                    THE UNDERSIGNED, IN THE CAPACITIES
                                    INDICATED, IS THE AUTHORIZED SIGNATORY
                                    FOR THE FOLLOWING SUBSIDIARY GUARANTORS:

                                    GENESIS HOME CENTERS, LIMITED PARTNERSHIP
                                    HH LIQUIDATING L.P. (F/K/A HEARTLAND HOMES,
                                     L.P.)

                                    By: /s/ JOHN J. COLLINS, JR.
                                        ----------------------------------------
                                            John J. Collins, Jr., as Secretary
                                            of Champion GP, Inc., General
                                            Partner of Genesis Home Centers,
                                            Limited Partnership and
                                            HH Liquidating L.P.

                                    A-1 HOMES GROUP, L.P.

                                    By: /s/ JOHN J. COLLINS, JR.
                                        ----------------------------------------
                                            John J. Collins, Jr., as Secretary
                                            of A-1

<PAGE>

                                    Champion GP, Inc., General Partner of A-1
                                      Homes Group, L.P.

                                    HOMES OF KENTUCKIANA, L.L.C.

                                    By: /s/ JOHN J. COLLINS, JR.
                                        ------------------------
                                            John J. Collins, Jr., as Secretary
                                            of Trading Post Mobile Homes, Inc.,
                                            Sole Member of Homes of Kentuckiana,
                                              L.L.C.

                                    BANK ONE TRUST COMPANY, N.A., as Trustee

                                    By:     /s/ JANICE OTT ROTUNNO
                                            ------------------------------------
                                     Name:  Janice Ott Rotunno
                                     Title: Vice President

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