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Homeowners Buy Their Own Communities
8 Dec, 2025
Summary
- Residents gain stability by collectively purchasing their manufactured home communities.
- JPMorgan Chase supports resident ownership with millions in funding and loans.
- Over 24,000 homeowners across 22 states now own their communities.
Manufactured home residents are achieving greater housing stability by collectively purchasing the communities they live in. This national effort, significantly backed by JPMorgan Chase, aims to empower homeowners who previously faced uncertainty due to not owning the land beneath their homes. For many, like Lorena Vargas in Colorado, this transition means escaping unpredictable annual rent increases and gaining control over their living situations.
The initiative is facilitated by ROC USA, a nonprofit that guides residents through the complex process of community acquisition. ROC USA provides crucial support, including low-cost, fixed-rate financing and ongoing coaching for homeowners on managing their newly owned communities. This model ensures residents have full control, safeguarding against sudden rent hikes or management changes.
JPMorgan Chase has been a long-standing partner of ROC USA, contributing over $5 million in philanthropic funding and extending $15 million in loans to expand these resident-owned communities. Since 2008, ROC USA has enabled over 24,000 homeowners in 22 states to collectively purchase 356 manufactured home communities, fostering secure and affordable housing nationwide.
