• About
    • Team
    • Careers
    • Media Library
    • Financials
  • Loans & Services
    • Affordable homes
      • Manufactured-home Loans
      • Your Turn - Down Payment Assistance
      • Homebuyer Resources and Coaching
      • Welcome Home Loans - Refinancing
    • ROC Support
      • Is Your Park for Sale?
      • Becoming a ROC
      • Learn More About ROCs
    • Rocs
      • Resident-owned Community (ROCs) Residents
      • ROC Training and Resources
      • List of N.H. ROCs
    • Small nonprofit
      • Small Business & Nonprofits
      • Loans & Coaching
      • SBA Microloans
      • Community-Driven Economic Empowerment (C-DEE)
    • Grantwriting
      • Community Grant Support
    • Clean Energy
      • Energy Solutions
      • Energy Solutions Lending
  • Impact
    • Impact Stories
    • Annual Reports
    • Impact Map
    • Partner With Us
  • Policy & Advocacy
  • Resources
    • Resource Library
    • News & Insights
  • Invest
  • Donate
  • en
    • en
    • pt
    • fr
    • es
en
  • en
  • pt
  • fr
  • es
  • About
    • Team
    • Careers
    • Media Library
    • Financials
  • Loans & Services
    • Affordable homes
      • Manufactured-home Loans
      • Your Turn - Down Payment Assistance
      • Homebuyer Resources and Coaching
      • Welcome Home Loans - Refinancing
    • ROC Support
      • Is Your Park for Sale?
      • Becoming a ROC
      • Learn More About ROCs
    • Rocs
      • Resident-owned Community (ROCs) Residents
      • ROC Training and Resources
      • List of N.H. ROCs
    • Small nonprofit
      • Small Business & Nonprofits
      • Loans & Coaching
      • SBA Microloans
      • Community-Driven Economic Empowerment (C-DEE)
    • Grantwriting
      • Community Grant Support
    • Clean Energy
      • Energy Solutions
      • Energy Solutions Lending
  • Impact
    • Impact Stories
    • Annual Reports
    • Impact Map
    • Partner With Us
  • Policy & Advocacy
  • Resources
    • Resource Library
    • News & Insights
  • Invest
  • Donate
© 2010-26 New Hampshire Community Loan Fund. All rights reserved. NMLS ID 253893. Licensed by the New Hampshire Banking Department. Equal Housing Lender.
  • Privacy Policy
  • Website Privacy Policy
  • Notice of Compliance with Civil Rights Laws
  • Terms of Service
  • Identity Theft: Consumer Education
  • 02
  • 01
  • 03
  • 04
  • 05
  • About
    • Team
    • Careers
    • Media Room
    • Financials
    • List of ROCs
  • Loans & Services
    • Manufactured-home Buyers
    • Manufactured-home Owners
    • Current ROC Residents
    • Small Business & Nonprofits
    • Community Grant Support
  • Impact
    • Annual Report
    • Impact Stories
    • Policy & Advocacy
    • Resources
    • Insights
    • Invest
    • Contact Us
    • Partner With Us
    • Donate
    • Open facebook profile
    • Open linkedin profile
    • Open instagram profile
  • open facebook profile
  • open linkedin profile
  • open instagram profile
"I did this!" For Hard-Working Mom, New Home is a Symbol of Pride
Sara Blair flamingovert 6 26
  1. Home
  2. Impact
  3. Impact Stories

"I did this!" For Hard-Working Mom, New Home is a Symbol of Pride

July 20, 2026
Buying a Manufactured Home

Sarah Blair and her daughter marked Thanksgiving by “camping out” on an air mattress in their empty living room, watching an old TV with broken speakers. 

It was the best night ever ­— because it was the first Thanksgiving in their new home.

"I did this!"

Sara Blair WH Lborrower 5 6 15 26

Synposis:

  • Sara Blair never thought she could be a homeowner, despite working 50 hours a week.
  • But when she found a home nearby for sale in her price range and a co-worker recommended the Community Loan Fund, Sara started to feel hopeful.
  • Sara qualified to receive a Homeowner Assistance Loan for the downpayment and closing costs, which made it possible for her to become a homeowner. And, by becoming a homeowner, Sara has shown her teenage daughter that hard work pays off.

Sara describes herself as a single mother who owns two small businesses and works full-time as a delivery driver. She never thought she could be a homeowner. 

Although she’ll describe a series of “signs from the universe” that led her to homeownership in Deering, New Hampshire, she’s also proud (and rightly so) to take credit for the hard work that made it all possible.

“I did this!” she said, triumphantly, after the closing in November 2025.

For Sara, her new home is a symbol of pride, security, and self-worth.

“I'm so grateful to be able to show my daughter that dreams can come true if you work at it and you don't give up,” she said. “I have something that belongs to me, that shows all the hard work that I've done.” 

Screenshot 2026 07 17 093954

Special Delivery: A Path to Homeownership

Sara received the first sign from the universe while she was on the job delivering auto parts. She took a shortcut on a new route and noticed a “for rent” sign on a home in a manufactured-home community in Deering.

The timing was ideal. She had been living in a rental unit with her partner and teenage daughter for the last 10 years but the arrangement was no longer working out. 

When she got home, she looked up the property and discovered that the rent was an “exorbitant amount of money.” 

But she also noticed something else: a home for sale in the same neighborhood with numbers that looked more manageable. 

“In my mind, it was still a bit of a pipe dream,” Sara said. “But I wanted to come and see it.”

As soon as she walked in the door, she noticed more signs that it was meant to be hers — a three-season porch for her many plants, a shed that could be transformed into a workshop for her crafts, and a bedroom with a rainbow fan that was perfect for her daughter.

“I knew at that moment that this was going to be our home,” Sara said. “And in one way, shape, or form, it was gonna happen.”

The real estate agent gave her the name of three lenders who offered mortgages for manufactured homes. First on the list was the New Hampshire Community Loan Fund. 

Sara felt hope. But doubt lingered.

“When you’re having to pay the bills and rent and all of those other things, saving up money to be able to purchase a home is all but impossible, especially as a single mother.”

Sara Blair WH Lborrower 4 6 15 26

Life-Changing Advice

As Sara considered her options, she mentioned the house for sale to her co-workers.

“One of my coworkers said, ‘Reach out to the New Hampshire Community Loan Fund — they financed my manufactured home 15 years ago and they changed my life,’” Sara remembered.

So, she did. 

After speaking with a member of our lending team and getting prequalified, Sara chose a Welcome Home Loan — the Community Loan Fund’s fixed-rate, long-term conventional mortgage for the purchase of manufactured homes.

Her lender gave her more good news: Sara qualified to receive a Homeowner Assistance Loan for the downpayment and closing costs.

“The biggest challenge in moving in any way, whether it's homeownership or having to move to rent, is coming up with that big chunk of money at the beginning of things,” she said. “The Homeowner's Assistance Loan that I was given is honestly the one thing that really got us into this place.”

Screenshot 2026 07 17 093123

Reaching the Big Day

On closing day last November, Sara and her daughter had already picked out paint colors for her room, including chalkboard paint to create a wall for doodling.

“It was a really big deal for my daughter to be able to make her room hers,” Sara said.

Sara could envision a welcome space — a sanctuary — where she could cook, have friends over, and create new traditions with her daughter. Flamingoes and colorful lawn decorations would make a statement to her neighbors. Summer would bring backyard stargazing and kayaking on the river nearby. 

Finally, it was closing day.

“There were little tears streaming down the face and I could feel it settling into my body that I was changing my — and my daughter's — life,” she said. “By the end of the process of signing all of the papers, I think my shirt was probably wet from the tears that were coming of pride and joy and excitement.”

Sara Blair flamingovert 6 26

Sara's Turn

Looking back on her journey to homeownership, Sara said the idea of owning a home was always a pipe dream.

Finding the New Hampshire Community Loan Fund was another gift from the universe.

“Over the course of my life, I've had instances where living safely and securely in a home has not been certain,” she said. “The fact that I'm worthy of owning my own home and the fact that I was worthy of someone's help — someone to see all of the things that I've gone through and that I'm capable of doing... I couldn't have more gratitude.”

By this spring, Sara and her daughter had made their house a home, from the cat doors they installed on their bedroom doors to the three-season room filled with Sara’s propagated plants and macrame holders. 

There were three plastic flamingoes standing in the yard — a gift from Sara’s mom to make good on a silly family tradition.

It started with her parents, who had their yard decorated with plastic flamingoes by friends as a prank when they purchased their home. The tradition continued when her brother become a homeowner a few years ago and received flamingoes as a housewarming gift.

Now, it was finally Sara’s turn. 

“When I have a house, you’ll send me flamingos?” her daughter asked after Sara told the story.

“Absolutely,” Sara said.

Numbers That Tell the Story

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

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

78

percent of manufactured-home owners who are first-time homebuyers

153

ROCs in New Hampshire, like Sara's, where residents own and manage their communities

$1,833

median monthly rent in N.H. (2024)

$1,510

median monthly cost of owning a manufactured home in N.H. (2024), including mortgage, monthly lot fee, and taxes

11,600+

affordable homes created or preserved since the Community Loan Fund's inception

Sources: New Hampshire Community Loan Fund mortgage borrower data; NH Housing Authority; National Association of REALTORS®; NH Housing; Freddie Mac data