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
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
Loans and support for manufactured-home buyers, homeowners who want to refinance or make home improvements, and developers building multi-family housing.
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 Businesses & Nonprofits
Customized loans to strengthen and expand local businesses and nonprofits, including farm and food producers and childcare centers.
Small Towns & Municipalities
Assisting towns and municipalities in planning for economic development by securing funding and implementing projects per funder rules and regulations.
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
Personal Impact
Our impact stories go beyond the numbers and introduce you to some of the people we have had the honor to work alongside.
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.
Manufactured-Home Loans
Fixed-rate residential mortgages to help you purchase a manufactured home, refinance your current mortgages, or make repairs or improvements
Learn MoreResident-Owned Community Support
Loans, coaching, and advice for resident cooperatives to help you hold onto your manufactured homes in a supportive community
ROC ResidentsSmall Business and Nonprofit Loans
Flexible funding to help you expand or improve your business or nonprofit paired with repayment coaching and advice
Learn MoreSmall Town and Municipal Grant Writing
Assistance for governments and municipalities of small towns in writing trust, government, corporate, and foundation grants
Learn MoreManufactured-home Owners: Buy Your Park
Loans, coaching, and advice to help manufactured-home owners set up a cooperative to buy and begin operations of your park
Learn MoreAffordable Housing Development Loans
Pre-development loans for assessing development opportunities, bridge financing to assist in property acquisition, and project financing
Learn MoreEnergy Efficiency Solutions
Innovative solutions, loans, and advising to help ROCs, small businesses, and nonprofits address energy efficiency, costs, and resilience
Learn More
With the Community Loan Fund, the work is so vital, and the payoff is happening every day. That’s what impact is.
If the New Hampshire Community Loan Fund had not made this happen, Keene would not have an entire section of its beautiful city rehabilitated.
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.
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
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 Staff 8/27/2024Read MoreArticleLeveraging 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 Staff 8/14/2024Steve Saltzman named to CDFI Coalition board
The N.H. Community Loan Fund’s President and CEO, Steve Saltzman, was recently voted onto the board of directors of the national CDFI Coalition.
Steve Varnum 6/21/2024Assessment of single-family lending on manufactured homes
This spring we produced a report on our manufactured-home lending for ROC USA, a CDFI lending subsidiary that works with 321 resident-owned communities nationwide. Our data demonstrate that manufactured-home loans perform well.
Kathi Paradis 6/20/2024Stay Up to Date
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