CHEA
California Housing & Equity Accelerator
An affordable housing program administered by NPCC (Non-Profit Construction Corporation) — built on standard agreements with the nation's largest factory-built and manufactured home producers, giving California jurisdictions a faster, lower-cost path to attainable housing production.
What is CHEA?
The California Housing & Equity Accelerator (CHEA) is an affordable housing program administered by Non-Profit Construction Corporation (NPCC). CHEA is a program and consulting service that NPCC administers in partnership with local governments, counties, housing authorities, and non-profit developers when a public-private partnership is formed.
CHEA delivers factory-built homes at deeply subsidized cost — while those homes hold California real estate fair market value from the day they are placed. That gap between cost and value is the foundation of real, lasting equity for families who have never had access to it.
For local governments, CHEA provides a fundamentally feasible program framework — one that meets RHNA obligations, expands the property tax base, reduces the long-term cost of social services, and delivers measurable housing production without the administrative burden of building a program from scratch.
CHEA's model is non-contingent. Individual residents with private financing, non-profit organizations, and community developers can all enter a CHEA standard agreement with NPCC independently — without waiting for a county or city program to launch.
CHEA at a Glance
Serving the Institutions That Shape California's Housing Future
CHEA, administered by NPCC, works with the governments, agencies, and organizations responsible for producing affordable housing at scale across California.
Cities & Municipalities
We partner with city governments to deploy factory-built affordable housing programs that meet RHNA obligations and expand the local property tax base.
County Agencies & Housing Authorities
County agencies and housing authorities rely on CHEA's standard agreement frameworks to administer affordable housing programs without building new administrative infrastructure.
Non-Profit Developers
Non-profit housing developers engage CHEA to access NPCC's producer relationships, CDFI financing connections, and program administration expertise.
Three Core Program Areas
Each CHEA program is administered by NPCC through a standard agreement adapted to the jurisdiction's specific context, housing production goals, and community needs.
Core Program
Factory-Built Housing Standard Agreement Programs
NPCC administers CHEA's standard agreements with the nation's largest factory-built and manufactured home producers on behalf of California jurisdictions. The standard agreement framework handles the legal structure, producer relationships, compliance protocols, eligibility criteria, and program administration.
Serves: Cities, Counties, Housing Authorities
Program Features
Financing Program
Affordable Housing Financing
CHEA, administered by NPCC, provides structured financing tools designed specifically for community participants in factory-built housing programs. For clients requiring deeper capital access, NPCC connects program participants with our network of CDFI partners who specialize in affordable housing finance.
Serves: Cities, Non-Profit Developers, Housing Authorities
Program Features
Consulting Service
Regional Housing Consulting
CHEA's consulting engagements are structured by NPCC around a two-year agreement with a clear goal: a locally-owned, locally-operated housing framework that the jurisdiction runs on its own by month 18. NPCC works alongside city and county staff, non-profit partners, and community stakeholders — not to create reliance on CHEA, but to transfer knowledge, tools, and relationships so the program thrives long after direct involvement ends.
Serves: Cities, Counties, Councils of Government
Program Features
CHEA's Five-Stage Program Methodology
Every CHEA engagement follows the same proven five-stage methodology — administered by NPCC and adapted to your jurisdiction's specific context.
Needs Assessment
Evaluate community housing gaps, income targets, site conditions, and regulatory context. Produces a clear feasibility picture including RHNA compliance status and recommended program framework.
Standard Agreement
Execute CHEA's proprietary standard agreement establishing roles, producer relationships, compliance structure, and program performance benchmarks.
Program Design
Customize the housing model — producer selection, financing, eligibility, and site delivery logistics. Every community is different; CHEA's frameworks are pre-designed but fully tailored.
Implementation
Launch the program with CHEA's operational support and producer coordination. NPCC manages delivery logistics, stakeholder onboarding, and initial activity reporting.
Local Independence
CHEA's two-year agreements are designed to build self-sufficient local frameworks — with an 18-month independence milestone. The goal is a program the jurisdiction owns and operates independently.
An Affordable Housing Program Administered by NPCC
Homes at Attainable Cost, Held at Market Value
CHEA delivers factory-built homes at deeply subsidized cost — while those homes carry California real estate fair market value. That spread is real equity, available from day one of ownership.
Feasible for Local Governments to Execute
CHEA's program framework is designed to be carried out by local governments — meeting RHNA mandates, expanding the property tax base, and reducing long-term social service costs without requiring new administrative infrastructure.
Administered by NPCC
Non-Profit Construction Corporation (NPCC) administers CHEA — from standard producer agreements with the nation's largest factory-built home manufacturers to program design, financing, and community delivery.
Built for Speed
Most CHEA programs can be launched within 60–90 days of executing the standard agreement with NPCC. The framework is pre-designed — NPCC adapts it to your jurisdiction's context.
The 21st Century Road to Housing Act Changes Everything
Federal and state legislation is rapidly modernizing the manufactured housing landscape. The 21st Century Road to Housing Act enables communities to utilize factory-built housing for infill projects in urban areas — higher density with a smaller footprint.
In rural communities, it removes restrictive barriers so families can build more traditional two-story homes. Companion HUD code updates and expanded GSE financing pathways make this the most favorable policy environment for factory-built housing in a generation.
Learn More on CHEA ResourcesHUD Code Modernization
Updated federal construction and safety standards raise the quality floor for all manufactured homes, strengthening lender and community confidence.
GSE Financing Expansion
Fannie Mae MH Advantage and Freddie Mac CHOICEHome programs now offer 30-year conventional financing for qualifying manufactured homes.
California RHNA Mandates
California's 6th cycle RHNA obligations require jurisdictions to plan for and produce housing at all income levels — creating immediate urgency to act.
Infill Site Eligibility
New state and federal guidance clarifies that HUD-code homes on permanent foundations qualify for the same zoning and financing treatment as site-built homes in many California jurisdictions.
Ready to Deploy Affordable Housing in Your Community?
CHEA, administered by Non-Profit Construction Corporation (NPCC), works with cities, counties, and non-profit developers across California. Contact us to discuss which program framework best fits your housing production goals.