life is better working together

When neighbors unite and purchase their manufactured-home (or mobile-home) park, the benefits are social and economic, immediate and long-term.

Land renters become land owners. Residents become leaders. And neighborhoods become communities. Community ownership fosters community pride.

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Residents who cooperatively own the land beneath their homes control the future of their homes and their community. No one can close the park and force residents to move. “That security is priceless,” says Richard Walker of L.R.M.H.V. in Gilford.

Many members of resident-owned communities (ROCs) feel a great sense of accomplishment that encourages them to make major improvements to things like streets and water lines or rewriting their community rules.

The common goal of buying, owning, and managing a community also creates a greater sense of community. Neighbors who work with one another get to know one another.

Residents also take pride in belonging to a community much larger than their co-op. They are connected to other ROCs in New Hampshire through ROC-NH™ and across the country through ROC USA®, which is spreading the Community Loan Fund's park conversion strategy nationwide.

Co-op members have access to first-rate training and education sponsored by ROC-NH and ROC USA. Graduates of the state-level Community Leadership class earn college credit they can use toward a degree at Granite State College.
Homeowners in ROCs have control over their lot rent and enjoy higher home values. The co-op may be able to minimize rent increases by getting public funding for major repairs, like water and wastewater lines.

Homeowners in N.H. ROCs also may be able to get fixed-rate mortgage loans with relaxed credit terms and low down-payments. The Community Loan Fund offers Welcome Home Loans for purchase, refinance, cash-out refinance and home equity.

Additionally, the Community Loan Fund and a handful of banks offer Home Preferred Manufactured Housing in ROCs loans. These are conventional mortgage loans that can save you thousands of dollars.

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Director of Organizational Training and Leadership Kelli Cicirelli

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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