Program, provides loans and grants to eligible city residents to purchase agency owned low and low to moderate income housing. Homebuyers must provide a cash down payment of $1,000 - $3,000 to move in. The agency will then finance the homes for the first three years, after which the homes are refinanced with institutional lending sources.

To help achieve their goals, the agency looked at appropriate properties in the North Central area. The agency identified three vacant lots within the area and acquired them for redevelopment. One parcel was a small, buildable lot. The other two where contiguous, but one was too small to build on. The agency worked with the city to adjust the lot lines, so as to make both properties equal in size.

Identifying the properties and adjusting the lot lines was the first step in the agency’s redevelopment of these three parcels. Once accomplished, the city had three lots ready for demolition and construction to begin. The challenge, according to Pamela Byrnes – O’Camb, City Clerk, was to build new, affordable, quality homes that were compatible

with the architectural design of the neighborhood. Familiar with the flexibility of manufactured housing, Ms. Byrnes – O’Camb worked with the city council to understand the process and accept bids.

David Franzoni, Owner and CEO, Family Homes, also knew Loma Linda well. Over the years his company had put many homes into land-lease communities in Loma Linda. Ms. Byrnes – O’Camb contacted Franzoni to work with the agency and the city to determine the product that would be both cost effective and architecturally compatible with the surrounding homes.

Together they visited the CAVCO - Litchfield factory in Goodyear, Arizona, and chose the floor plans and the exterior elevations for the homes. “Equally as important as the home itself is choosing the right site contractor,” said Franzoni. “Irby Haydon of Wood Doctor Construction was the perfect choice. He understands that we want our homes to emulate sitebuilt homes and he delivers.”

The three homes were completed, garages built, fences put up and landscaped in less than ninety days after delivery to the site. The city

council was amazed that three beautiful new homes appeared in the neighborhood seemingly overnight. The ribbon cutting ceremony and delivery of keys to the new homeowners was on September 28, 2006.

The homes, valued at over $300,000 sold to the new homeowners for $160,000. “Utilizing manufactured housing made that possible,” said Byrnes – O’Camb. “Developing individual infill lots can be cost prohibitive for affordable housing if done with site-built construction.”

Construction of manufactured housing on infill lots is basically a two-part, off-site and on-site, process.

Off-site, the home is constructed in a factory to construction standards established by the U.S. Department of Housing and Urban Development for manufactured housing. Once completed at the factory, the home is transported to the site for installation.

On-site work consists of grading and excavation, foundation and flat work, home installation, construction of the garage and