Resource Becoming an ROC
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Neighbors Investing in Neighbors

We provide systematically excluded people and communities with loans, coaching, and guidance that enables them to become economically secure.

Our Impact
Group in a cattle pen
Mans with arms crossed in market
Group holding we own it
Women in roc training

Opportunity for All

We envision a future where everyone has access to the financial, human, and civic resources they need to live secure and prosperous lives.

Focus Areas

From helping you purchase a manufactured home, to strengthening small businesses and nonprofits, and supporting entire towns as they work to secure financing, our services support the security and growth of people and communities.

  • Affordable homes
    Affordable Homes

    Loans and support for manufactured-home buyers, homeowners who want to refinance or make home improvements, and developers building multi-family housing.

  • Rocs
    Resident-Owned Communities

    Loans, coaching, and advice for manufactured-home owners whose park is for sale or already live in a resident-owned community (ROC).

  • Small nonprofit
    Small Businesses & Nonprofits

    Customized loans to strengthen and expand local businesses and nonprofits, including farm and food producers and childcare centers.

  • Towns manicipalities
    Small Towns & Municipalities

    Assisting towns and municipalities in planning for economic development by securing funding and implementing projects per funder rules and regulations.

Roc residents holding a we own it sign
Annual Report

40 Years Later - Our 2023 Annual Report

Dive into the early days of our neighbors-investing-in-neighbors philosophy and discover how our pioneering spirit continues to serve the people, small businesses, and nonprofits across the Granite State.

Measurable Results

We affect lives across the state. If you live in New Hampshire, it’s 99.9% likely that you live within 10 miles of a Community Loan Fund borrower.

11k+

Affordable homes saved or preserved across the state

650+

businesses supported over our 40-year history

71%

of farm food companies served are minority-owned or -operated

99.9%

OF NEW HAMPSHIRE RESIDENTS LIVE WITHIN 10 MILES OF A BORROWER

Aerial shot of a roc

Why Invest

When you invest with us, you have the opportunity to receive a combination of financial and social returns — wins for both you and the community.

We've always been guided by relationships and faith in regular people. Seventy-seven percent of our investors are individuals and we have a 100% investor repayment record. In addition to an established record of supporting entrepreneurs of color, we invest in local equitable renewable energy aimed at empowering homeowners and businesses to be self-reliant.

Founders of the ROC model, we are recognized nationally as innovators in the preservation and financing of affordable manufactured homes.

Service Areas

Our neighbors-investing-in-neighbors model is aimed at building stronger, resilient, and more self-reliant communities, improving the lives of people throughout New Hampshire, and serving as a model across the US.

With the Community Loan Fund, the work is so vital, and the payoff is happening every day. That’s what impact is.

Joe KeefeImpax Asset Management
KTL1246

If the New Hampshire Community Loan Fund  had not made this happen, Keene would not have an entire section of its beautiful city rehabilitated.

Bob ElliottFormer staff, Monadnock Economic Development Corporation

The Community Loan Fund brings a sense of possibility and abundance to a part of the population that grew up with a sense of scarcity. We look at what people have, not at what they don’t have. We adapt ourselves to what people can do.

Julie EadesNew Hampshire Community Loan Fund, Founding President
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News & Insights

The latest on affordable housing, community lending and investing, our impact, and other stories about the inspirational people we work with in New Hampshire

KHB06534
Article
Tackling Housing and Workforce Challenges Through Impact Investing

The New Hampshire Community Loan Fund recognizes that a lack of access to credit is a major barrier to self-sufficiency. 

N.H. Community Loan Fund11/5/2024Read More
Derry Oak Ribbon Cutting
Press Release, News
New Hampshire’s 150th resident-owned community celebrated with ribbon cutting at Derry Oak Village Cooperative

On Tuesday, September 3, a ribbon cutting celebrating New Hampshire’s 150th resident-owned community (ROC) was held at Derry Oak Village Cooperative (DOVC) in Derry, New Hampshire. The Granite State’s first ROC was formed in Meredith in 1983, and it quickly became a model for stabilizing manufactured housing affordability nationwide.  

N.H. Community Loan Fund9/11/2024
Article
In the beginning: Using money to build community

In late 1982, Peter Thibeault, a consultant for the Tri-County Community Action Program (CAP), had a grant to support cooperative housing and business development in New Hampshire’s North Country. The CAP liked the idea of creating a revolving fund to support numerous projects but had neither the structure nor the expertise to run it.

Community Loan Fund Staff8/27/2024
Article
Leveraging Government Programs for Local Impact

Recent federal, state, and local initiatives have created grant programs designed to provide public services and stimulate local economies. Many of these programs align with New Hampshire Community Loan Fund’s mission and provide a direct benefit to the people we serve.

Community Loan Fund Staff8/14/2024
Invest in Your Community

Get the details on how to become an impact investor and put your funds to good use helping  your neighbors and your community.

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Donate to Our Mission

Your donation helps fund our work as a resource for the dynamic communities and people we have the honor of serving.

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