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Welcome Home Loans

We know how hard it is for owners and buyers of manufactured (mobile) homes to find fixed-rate, long-term mortgage loans. 

That’s why we created Welcome Home Loans — for people who have, or who want, the security of living in an affordable manufactured-home in a resident-owned community (ROC) or on their own land in N.H.

Women Talking
ROC Mascoma Valley home

Fixed-rate, Conventional Loans

Welcome Home Loans are long-term, fixed-rate mortgage loans for manufactured-homes. They are unique because of the low downpayment, no age limit on the home, no minimum credit score, terms up to 30 years, and require no private mortgage insurance.

Welcome Home Loans can be used to buy a new or existing home, refinance your current loan, or add to or improve your current home.

WHL Mc Lachlin

Help with Downpayment and Closing Costs

Depending on your financial situation, we may be able to help you with downpayment and closing costs on your Welcome Home Loan.

If you’d like to buy a new Energy Star home to place in a ROC, our Your Turn assistance offers an additional $35,000 loan to cover those costs.

If you’re buying a pre-owned home in a ROC or on land you own or are buying, and your household income is below a defined level, you may be eligible for $15,000 in assistance.

MFH AHEAD

The Fine Print

Here’s what you need to know about Welcome Home Loans

  • Single-family first-mortgage loans for purchase, refinance or home equity
  • No limit on age of house
  • Fixed interest rate
  • Low downpayment
  • Terms from 5 to 30 years
  • No private mortgage insurance required
  • Appraisal required
  • No minimum credit score required, but satisfactory record of repayment on past credit needed
  • Income from self-employment is accepted
ROC Black Bear

Get Started by Prequalifying

You may be able to prequalify for a Welcome Home Loan by completing a one-page form and faxing or mailing it to us.

If you don't have a computer or access to a printer, please call us at (603) 224-6669, option 1, to schedule an interview.

Wide show of a roc at a corner

ROCs Offer More Value, Security, and Better Financing

If you are considering buying a manufactured-home, you should know about the benefits of a ROC.

ROCs are cooperatives owned and run by the homeowners. Residents have greater control over rules and bylaws, access to better mortgage financing (which increases the value of their homes), and more financial security because they have a say in lot fees and park improvements.

Be sure to let your Realtor know you’re interested in buying or placing a home in a ROC.

Contact Us

Our Mortgage Loan Originators will take the time to understand your personal situation. You can contact them by email or call 603-224-6669 and select option 1.

Ron Thompson, NMLS #225348

Heather Ralphs, NMLS #2567112

Success Stories
Single Father, Veteran, and New Homeowner

“The Community Loan Fund helped me clear up everything and put myself in a position to buy,” John [the home buyer] says.

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CLF Somefuzzy John Cathcart landscape 7
Success Stories
Her First Home, Close to Home

“It’s an awesome feeling. I’ve never been proud of myself, but I could not be more proud of myself right now,” Antonicia says.

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20220824 NHCLF 02764 best
Success Stories
Flexible Loan Makes Home Affordable

“I love it. I know what I’m going to pay every month, and know I can afford it, so I don’t have that stress” 

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Kateand Keith Jennifer 21
Success Stories
First-Time Homebuyer Feels the Freedom of Ownership

I guess the apple doesn’t fall far from the tree. I wouldn’t live here if it wasn’t a co-op and I’m going to work to make sure it stays that way.

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Lois Parris bw
Success Stories
Vietnam Veteran Comfortable in New Home

The couple briefly considered getting a home on a small plot of land and even qualified for a bank mortgage, but Pine Grove MHP had been their home since 1971

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Larry and Brenda Woods
Success Stories
A New Home Means a New Start

“We just wanted to be happy. We just wanted our kids to be happy and settled.”

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Sarah and Carlos

My favorite part of living here is the freedom of ownership. When we first bought the park, I remember my first feeling, that no one could take this away from me. I owned it.

Lois ParrisResident, Lakes Region Co-op
Lois Parris

Thank you for making my golden years golden.

Kathy ScanlonResident, Mountain View Cooperative in Gilford, N.H.
DSC 8471

The Community Loan Fund helped me clear up everything and put myself in a position to buy.

John CathcartSingle dad, veteran, new homeowner
Hugging Isabel 1

I will make y'all proud that you took a chance on me and invested in my life. I will never forget!

Lora GervaisVeteran and homeowner

You don’t even know me and yet you gave me a gift of a home that I can afford and all the resources I need to start out with it. I’m truly grateful for all that you’ve done for me.

Keith R. SchoepplerVeteran and homeowner
Tanglewood Drone 10

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