your turn faq

how would you like a new home?

If you’re buying a new manufactured (mobile) home, your household income is under a certain level, and you qualify for a Welcome Home Loan from the New Hampshire Community Loan Fund, Your Turn can make it affordable by offering up to $35,000 for a down payment and closing costs.
Yes, but not until your regular mortgage is paid off, or you sell, refinance, or move out of the home.
The home must be located in New Hampshire and in a resident-owned community (ROC) or on land you own or are buying.
It depends what New Hampshire county your new home is in. Call one of our Mortgage Loan Originators: Ron Thompson (NMLS #225348) at (603) 856-0756 or Tim Beaudoin (NMLS #11850) at (603) 856-0740
Unfortunately, Your Turn can only be used to buy a new home.
The NH Community Loan Fund is a nonprofit that exists to help people with low- and moderate-incomes become more financially secure and independent. One of the ways we do this is by helping them buy manufactured homes. In many N.H. communities, manufactured homes are the most-affordable housing choice, and we want more people to have that opportunity.
Yes! It’s a great idea to get prequalified for a Welcome Home Loan, so you can shop for homes with your price range in mind. We’ll also prequalify you for Your Turn assistance with down payment and closing costs. Here's how.

If we can’t prequalify you right now, we’ll let you know why and what you need to do to be approved next time.
Visiting a manufactured-home dealer or retailer (list below) is a great way to see homes for sale, and also to learn what options you have to order the home the way you want it. It is a good idea to shop around and find the home and the dealer that is right for you.
The retailer who sells you the home will give you a price that includes setup, and will oversee the installation.
Your Welcome Home Loan can include all the installation costs, including the foundation or slab you choose, the skirting, and landscaping—everything you need to be ready to move in. The loan can even include the cost of removing the manufactured home you’re replacing.
The only cost to apply is $56.25 per applicant for the credit report fee.
We will ask you to complete a loan application and provide financial information such as pay stubs and bank statements. We will work with you to make sure you provide all the documentation to make the application process move smoothly.
It can take several months. When you are shopping, you’ll want to ask the manufactured-home dealers or retailers how long it will take from the date you order the home to when you move in, so you can plan accordingly. Need more information? Call us. Our mortgage specialists are ready to explain the process so you can decide if it’s the right move for you.

Your Turn homeowner assistance and Welcome Home Loans are offered by the Community Loan Fund with the support of the New Hampshire Housing Finance Authority.

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


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Ron Thompson, NMLS #225348

Heather Ralphs, NMLS #2567112

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