Flexible financing, creative solutions, and a financial partnership focused on helping you grow your business. Real, fixed-rate, mortgage loans for those who want affordable homeownership or to refinance their home. Financing to help strengthen and expand organizations providing essential community services, including child care.
Flexible loans and technical assistance to help expand New Hampshire's supply of affordable multi-family housing. Loans and training for resident cooperatives to help them preserve their manufactured homes and build vibrant communities. Customized loans and technical assistance to strengthen local food systems from farms and fisheries to tables.
Flexible loans and technical assistance to help expand New Hampshire's supply of affordable multi-family housing. Loans and training for resident cooperatives to help them preserve their manufactured homes and build vibrant communities. Customized loans and technical assistance to strengthen local food systems from farms and fisheries to tables.
Services
Email is not a secure form of communication. If you need to provide this type of information to the New Hampshire Community Loan Fund, contact us by phone at (603) 224-6669, by fax at (603) 225-7425, or by paper mail. By clicking "Continue" you will leave the Community Loan Fund site. The linked site and its content, privacy and security are not controlled by the Community Loan Fund.
One of the barriers that keeps people with low incomes from achieving greater self-sufficiency is a lack of access to credit. People and organizations that have or manage financial resources are willing to help their neighbors when they have a trusted mechanism to do so. Serve as a catalyst, leveraging financial, human, and civic resources to enable traditionally underserved people to participate more fully in New Hampshire's economy.
Opportunity NH Investments in the New Hampshire Community Loan Fund are stable, pay interest to the investor, and create opportunity many times over in New Hampshire's communities. Here's how it works: The money that people and institutions invest in us, combined with our own capital, create the pool of funds from which we lend to create opportunity for affordable housing, child care and jobs for families with low and moderate incomes.
Our offices are open Monday through Friday from 9 a.m. to 12:30 p.m. and 1 to 5 p.m. See our staff directory for contact information for individuals. Many staff members continue to work remotely, but all are available to meet via phone or video. The New Hampshire Community Loan Fund is located at 7 Wall St. in downtown Concord, just off Interstate 93, the major north-south highway in New Hampshire.
We focus on Opportunity. For all. We believe in the power of regular people to transform their lives if given the opportunity and the tools to do so. That's why we exist. That's what we do. With deep roots in the civil rights movement, CDFIs including the NH Community Loan Fund have fought for justice for decades.
Reviews (10)
Robin Cutter
Nov 20, 2021
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J. R. D.
Jun 21, 2021
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Community Loan Funds interest is the highest around. They are suppose to help low income, but after financing with them for 5.5 years was told I did not qualify to refinance due to my income after being pre-approved and paying their application fees. I have excellent credit and they did not help in any way! Financed through another institution no problem and I am currently paid way ahead of schedule!
Brian Dillard
Apr 13, 2021
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As the president of a cooperative, elected 2 terms in a row, it is my opinion that this organization is terrible to work with and does not care about the best interests of the cooperatives they work with. If you don't ask questions, maybe they are great, but if you look at the figures, their rates, what they actually offer cooperatives, and question things, that's where it all goes downhill. I had issues with them not responding to emails or phone calls, as a new board member, and noticed that they seemed to pick favorites on the co-op boards they work with (the ones who don't ask questions), and
David Lombard
Jan 02, 2021
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Absolutely pathetic excuse for a mortgage company and vastly behind the times. I had to fill out a paper applications and answer a million questions just to get a pre-approval letter, that i got in under two hours from Rocket Mortgage and Leader One Financial, just to find out they don't count commission as income. I waited a week and a half for that and had my credit affected by the pull for a useless $43,500 pre-approval letter but yet Real Mortgage companies will approve me for a $150,000 with the exact same Information i gave them. Pathetic.
Thomas Frank
Aug 23, 2020
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Ed Florence
Jul 19, 2020
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We had a great experience working with this group , very helpful and mindful of our needs, buying a home can be stressful, they were with us every step of the way, re-assuring us and just being our friend. Would recommend them to anyone, again thank you community loan fund for making our dream come true. Ed and Leslie Florence
Kaleigh Ostrewich
Jan 04, 2020
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Have had a great experience with this organization so far. They have been very attentive, professional, and responsive during our application process.
We had been pre-approved with a different lender, but their restrictions on manufactured homes got in the way of a property we fell in love with.
The application process is more strict and thorough than traditional lenders because it's a non profit. The interest rates can be higher than some traditional lenders, but I'm fine with that trade off when that money is going to getting more people into homes instead of the dicey ways many traditional
We had been pre-approved with a different lender, but their restrictions on manufactured homes got in the way of a property we fell in love with.
The application process is more strict and thorough than traditional lenders because it's a non profit. The interest rates can be higher than some traditional lenders, but I'm fine with that trade off when that money is going to getting more people into homes instead of the dicey ways many traditional
Top Secret
Jul 11, 2019
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Don't Be Fooled ! Protect Your Hard Earned Credit Rating. READ MY STORY!
This agency claims it helps lower income people get a loan with a credit rating as low as 585. They charge a $29.00 application fee. I had over 700+ credit so I thought it would be a breeze to get pre-qualified. They state on the application to check a box for a specific an amount of money requested or to check a box to just get pre-qualified. I didn't even have a place picked out yet, so the loan officer I spoke to, Ron Thompson advised to just ask to get pre-qualified. I had been working with a realtor who suggested I do
This agency claims it helps lower income people get a loan with a credit rating as low as 585. They charge a $29.00 application fee. I had over 700+ credit so I thought it would be a breeze to get pre-qualified. They state on the application to check a box for a specific an amount of money requested or to check a box to just get pre-qualified. I didn't even have a place picked out yet, so the loan officer I spoke to, Ron Thompson advised to just ask to get pre-qualified. I had been working with a realtor who suggested I do
Matt H.
Jun 24, 2019
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When everyone said NO! NHCLF SAID YES! we got pre approved found our home! Then got the underwriters approvals once we found our home! I can't thank Pam Macdonald enough! and now we're working with Pam.L also so far great! they do require a good amount of information but they need to know you're able to make payments. I had to pay off a few debts to even be looked at but was nothing. to be able to own our own place. to have a yard that our 3 kids so needed in an exalent scool district is amazing. a goal we thought was out of our reach is now a reality and we're just waiting in a closing date!
Bruce Lee
Jul 30, 2018
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This company turned me down because I pay child support!! Their words. I jumped through more hoops then you can imagine all for nothing. Really paying child support puts me over the debt to income ratio for a $25,000.00 mobile home? I think not, that’s a car payment for Christ sake. I’ve been approved by two mortgage company’s that won’t do mobile homes for over $75,000.00 but a place from my own state of NH wouldn’t offer my family any financial mobile home mortgage help. Don’t believe the b.s. they scatter on their sites. They’re not really looking to help anyone that’s not completely
