about us

opportunity for ALL

we believe

  1. One of the barriers that keeps people with low incomes from achieving greater self-sufficiency is a lack of access to credit.
  2. People and organizations that have or manage financial resources are willing to help their neighbors when they have a trusted mechanism to do so.

our mission

Serve as a catalyst, leveraging financial, human, and civic resources to enable traditionally underserved people to participate more fully in New Hampshire’s economy. We do this by:

  • Providing loans, capital and technical assistance;
  • Complementing and extending the reach of conventional lenders and public institutions; and
  • Bringing people and institutions together to solve problems.

our values

We Live Respect. We show up for our partners, colleagues, and clients. We actively engage in our communities.
We connect, share our knowledge, and empower success.

We Embrace Challenges. We find solutions. We lead with integrity and authenticity. We learn and improve.
We unlock potential.

We Advance Equity. We strive to model diversity and inclusion. We work to dismantle economic and social
barriers while encouraging the full and meaningful engagement of all.

our team

hours & directions

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our publications & media

financial strength

Audits, tax filings, and more

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Join our team and make a difference

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what's a cdfi?

Community Development Financial Institutions (CDFIs) strengthen communities

learn how

our history

Established in 1983, we were one of the first CDFIs in the United States.

learn more


The money we lend is either invested in us or donated to us for that purpose. Donations and grants pay for the education and technical assistance that help our borrowers succeed. And the money we earn on loans pays for overhead, salaries, facilities, etc.

Read Vice President of External Relations Debby Miller's blog for more details.
No. We're a 501(c)(3) nonprofit community development financial institution. We also receive very little government funding, but do apply for specialty government grants when we qualify for them.
Our loan qualifications differ from program to program, but we lend primarily to benefit people with low and moderate incomes. That can be the businesses that employ them, the nonprofits, child care centers, and housing developers that serve them and community economic development activities that create opportunities for them. If your needs are met by a bank or credit union, they are probably your best option.

We lend only to people, institutions, and projects in New Hampshire and, occasionally, in border communities.
We finance manufactured homes (also called mobile homes) because some other lenders won't and because they are a far-more-affordable option for people and families with low and moderate incomes. Community banks do a good job providing conventional mortgages. If you think there is a gap or unmet need in the way homes are financed, we’d be interested in hearing about it.
People who own manufactured homes in investor-owned parks lack security, stability, and other important financial benefits of homeownership. They risk losing their homes if the park is closed and the land used for a different purpose. They are also vulnerable to excessive rent increases, poor-quality maintenance, and infrastructure (like water, sewer and road) failures. Each of these threats affects the security and well-being of these families and communities.
Yes. we do. More information here.

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CDFI Equal Housing Lender

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