What is ROC USA and how does it help manufactured home residents?

ROC USA is a nonprofit that helps manufactured home residents collectively purchase their communities by providing financing and management support.

How is JPMorgan Chase involved in manufactured home community ownership?

JPMorgan Chase provides philanthropic funding and flexible loans to ROC USA to help scale resident-owned communities and promote housing affordability.

What are the benefits of resident-owned manufactured home communities?

Resident ownership offers predictability, control over rent increases, and long-term stability for homeowners.

Home / Business and Economy / Homeowners Buy Their Own Communities

Homeowners Buy Their Own Communities

8 Dec, 2025

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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.