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JANUARY 2016 26 THE JOURNAL ment of the MHC sector will enable ROC USA Capital to grow and diversify its lend- ing and set the stage for developing an active secondary market for ROC USA Capital's loans. "We've been very successful creating resident ownership opportunities on a relatively small scale, more than doubling our portfolio to 10,000 homes in eight years," said Paul Bradley, ROC USA President. "We built ROC USA to scale resident ownership and transform commu- nities by bringing security and economic gain to the often-ignored homeowners in the country's 50,000 manufactured home communities. This loan product makes ROC USA Capital a more nimble and competitive force in that field." "As a socially responsible, cooperatively owned financial institution, National Coopera- tive Bank is the ideal partner for ROC USA and MetLife to bring affordable housing to residents across the country," said Ann Fedorchak, Man- aging Director at NCB. "With over 35 years of providing capital to housing cooperatives, espe- cially those in low-income communities, NCB is very excited to bring this structured loan program to the market and help unit owners realize af- fordable home ownership." "ROC USA's model of resident ownership ties to MetLife's financial inclusion work supporting skills and financial products to manage life's risks and seizing its opportunities," said Matthew Sheedy director and head of Community Invest- ments at MetLife. "We look forward to being a part of this initiative, which will empower resi- dents to own their own homes and community." ROC USA is a nonprofit social venture with a national network of eight affiliates working to make resident ownership viable nationwide. To- gether, ROC USA Network has helped 178 communities in 14 states bring the safety and se- curity of resident ownership to more than 10,600 lower-income households — giving ROC USA the 12th-largest portfolio in the manufactured home community industry. Continued growth through such partnerships with NCB and MetLife will soon put ROC USA among the top 10. ROC USA® Capital is a certified Community Development Financial Institution (CDFI), and the lending subsidiary of ROC USA, LLC, a na- tional social enterprise committed to making quality resident ownership of manufactured home communities viable nationwide and to expand economic opportunities for homeowners in man- ufactured home communities. To learn more, visit www.rocusa.org, ROC USA on Facebook, or on Twitter @ROCUSAorg. National Cooperative Bank is dedicated to strengthening communities nationwide through the delivery of banking and financial services, complemented by a special focus on cooperative expansion and economic development. NCB provides financial products and services for the nation's cooperatives, their members, and so- cially responsible organizations. Headquartered in Washington, D.C., the Bank has offices in Alaska, California, New York, Ohio and Vir- ginia. To learn more, visit www.ncb.coop, Na- tional Cooperative Bank on Facebook, or on Twitter @coopbanking. Working Together, Building Community. DON'T WASTE YOUR SKIRTING! Are you losing money because of short, thin panels? 12' panels reduce waste and save money! HOW WELL DO YOU KNOW YOUR SKIRTING? Required Panels Comparison EVERLOCK SHORTER TOTAL SCRAP % SAVINGS TOTAL LINEAR FEET 12' PANELS 11' 8" PANELS USING USING EVERLOCK @ 36" SET HEIGHT REQUIRED REQUIRED 11' 8" PANELS 12' PANELS 136' 26 34 90 FT. 30% SAVINGS! 160' 30 40 106 FT. 33% SAVINGS! 172' 33 43 114 FT. 30% SAVINGS! 186' 35 46 122 FT. 31% SAVINGS! WHITE GREY BEIGE TAN SAND CLAY • 12' PANELS • PREMIUM - NOT THIN • FACTORY DIRECT • SUPERIOR BLOW OUT PROTECTION • LIFETIME WARRANTY PLEASE CALL 1-800-843-3336 TO SAVE MONEY NOW! 6676 GunPark Drive, Suite F • Boulder, CO 80301 (303) 530-1566 • (800) 843-3336 • Fax (303) 530-3820 www.EVERLOCK.com No. 18 on Get It Quick Page \ 21 The Journal wishes everyone a very Happy & Prosperous New Year