home preferred faq

conventional loans in ROCs

They’re conventional mortgage loans for manufactured (mobile) homes that are available only in approved resident-owned communities (ROCs) in New Hampshire.
It means these loans feature lower interest rates, down payments, and mortgage insurance requirements than you’ll usually find for manufactured homes. The terms are much more like those for traditional homes.
People who want to purchase or refinance a manufactured home located in one of the approved ROCs. Borrowers must live in the home, and attend homebuyer education if they’re a first-time buyer.
You can use them to buy a home or to refinance your current home, either to lower your interest rate and payments, or make home repairs or improvements.
This is the current list of cooperatives. We hope to add more soon.
  • Bayview Village, Dover
  • Black Bear Village, North Conway
  • Camp Sargent Road, Merrimack
  • Elm Brook Village, Hopkinton
  • Exeter-Hampton, Exeter
  • Granite Estates, Derry
  • Lakes Region Mobile Home, Belmont
  • Lilac Drive, Raymond
  • Medvil, Goffstown
  • Otarnic Pond, Hudson
  • Pepperidge Woods, Barrington
  • Seacrest, Seabrook
  • Tranquility Estates, Raymond
  • View Point, Swanzey
Definitely. Lower mortgage interest rates make it easier for homeowners to pay their monthly rent. Also, having low-cost home financing available makes the co-op more attractive to homebuyers, so it helps fill vacant sites and increases the co-op’s monthly earnings.

Home Preferred Manufactured Housing in ROCs financing is offered through the New Hampshire Community Loan Fund and New Hampshire Housing.

New Hampshire Community Loan Fund Inc. NMLS ID 253893. Licensed by the New Hampshire Banking Dept.

ROC-NH™ is a program of the New Hampshire Community Loan Fund, Inc. and a ROC USA® Certified Technical Assistance Provider. ROC-NH is a registered service mark of ROC USA, LLC.

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Ron Thompson, NMLS #225348

Heather Ralphs, NMLS #2567112

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