Docstoc

Quick Reference Guide pub

Document Sample
Quick Reference Guide pub Powered By Docstoc
					                              Who Can Apply for Rural Development Programs?

                                                         I am a...

Business Owner or Producer                                      Local Government, Non-profit, Cooperative
  Business & Industry Guaranteed Loan - pg 1                    Business & Industry Guaranteed Loan - pg 1
  Renewable Energy for America Program - pg 2                   Intermediary Relending Program - pg 2
  Value-Added Producer Grant - pg 4                             Rural Business Enterprise Grant - pg 3
                                                                  Value-Added Producer Grant - pg 4
Lender                                                            Rural Business Opportunity Grant - pg 5
                                                                  Rural Economic Development Loans & Grants - pg 6
  Business & Industry Guaranteed Loan - pg 1
                                                                  Rural Microentrepreneur Assistance Program - pg 6
  Renewable Energy for America Program - pg 2
                                                                  Community Facilities Loans & Grant - pg 7-8
  Community Facilities Guaranteed Loan - pg 8
                                                                  Water and Environmental Programs - pg 9
  Single Family Guaranteed Loan - pg 12
                                                                  Distance Learning/Telemedicine & Broadband - pg 10
  Multi-Family Guaranteed Loan - pg 16
                                                                  Multi-Family Housing Loans - pg 15-16
                                                                  Farm Labor Housing Loan & Grant - pg 17
Individual                                                        Housing Preservation Grant - pg 18
  Single Family Home Loans - pg 11-12
  Home Repair Loan and Grant - pg 13
  Multi-Family Housing Loan - pg 15


Tribe                                                            Please Note
  Business & Industry Guaranteed Loan - pg 1                   Rural Development offers over 40 programs. This publication
  Intermediary Relending Program - pg 2                        contains information on some of our most commonly used
  Rural Business Enterprise Grant - pg 3                       programs, but it is not a comprehensive list. For complete
  Rural Business Opportunity Grant - pg 5                      program information visit our website at: www.rurdev.usda.gov
  Rural Microentrepreneur Assistance Program - pg 6
  Community Facilities Loans & Grant - pg 7-8
  Water and Wastewater Loan & Grant - pg 9
  Distance Learning/Telemedicine & Broadband - pg 10
  Single Family Home Loans (individuals) - pg 11-12
  Home Repair Loan & Grant (individuals) - pg 13
  Multi-Family Housing Loan - pg 15
  Farm Labor Housing Loan & Grant - pg 17
  Housing Preservation Grant - pg 18




                                                                                                                    Revised 4/3/12
                                                                              Business and Cooperative Programs                                                                                                          1
                                                                             Business and Industry Guaranteed Loan (B&I)


What is this Program?                                What Uses are Prohibited?                                              Questions? Contact Us
 USDA Rural Development guarantees loans                Line of credit
 made by eligible lenders to rural businesses                                                                               Chuck Clendenin, Program Director               Larry Strong, Program Specialist
                                                        Agricultural production           which is not part of
                                                                                                                            530-792-5825 | chuck.clendenin@ca.usda.gov      530-885-6505 x114 | larry.strong@ca.usda.gov
 and works to improve, develop, or finance
                                                          an integrated business
 business industry and employment
                                                        Any project likely to result in the transfer of
                                                          greater than 50 employees from one area                                                                                                    Email (all end in
                                                                                                                            Staff                      Office              Phone
Who May Borrow?                                           to another                                                                                                                                 @ca.usda.gov)
  Individuals,   corporations, cooperatives,          Payment to owners, partners, shareholders,                        Dan Johnson                Bakersfield         661-336-0967              daniel.johnson
    partnerships, and other legal entities                or others who retain any ownership in the
  Public and private, organized and operated            business
                                                                                                                            Debbie Coggins             Eureka              707-443-6714x107          deborah.coggins
    on a profit or nonprofit basis                      Corporations and businesses not at least
  Individual borrowers must be citizens of the          51% owned and controlled by U. S.
                                                                                                                            Lee Takikawa               Fresno              559-276-7494x134          lee.takikawa
                                                          Citizens
    United States or reside in the U.S. after
    being legally admitted for permanent                C h a r i t a b l e i n s t i t u t i o n s , r e l i g i o u s
                                                                                                                            Sonny Hogue                Indio               760-342-4624x115          sonny.hogue
    residence                                             organizations and affiliated entities, and
  Federally recognized Indian tribal groups             fraternal organizations
                                                                                                                                                                           530-533-4401
  Located in rural cities or towns with a popu-       Loans for golf courses, gambling
                                                                                                                            Ron Tackett                                    Ext. 103                  ron.tackett
                                                          establishments, and race tracks                                                              Oroville
   lation less than 50,000                                                                                                  Armando Tapia                                  Ext. 109                  armando.tapia
                                                                                                                            Tammy Laizure                                  Ext. 131                  tammy.laizure
How Can Funds Be Used?                               What are the Fees/Costs?
                                                                                                                            Steven Nicholls            Redding             530-226-2585              steven.nicholls
  A  borrower must be engaged in a business            One-time guarantee fee of 2% of the
    that will: Provide employment, promote the             guaranteed principal amount paid by
    use of water for aquaculture, and reduce               lender                                                           Al Correale                Santa Maria         805-928-9268x119          al.correale
    reliance on nonrenewable energy resources            May be passed on to the borrower
  Business and industrial acquisitions,                Other typical lender costs may also be
    construction, conversion, expansion, repair,           incurred
    modernization, or development costs                  Annual renewal fee determined each fiscal
  Purchase of equipment, machinery,                      year
    supplies, or inventory                               Term: Real Estate—30 years, Chattel—15
  Start-up costs and working capital                     years, Working capital—7 years
  Processing and marketing facilities’ pollution
   control and abatement
  Purchase of land, easements, rights-of-way,      How Do I Apply?
   buildings, or facilities                             Lenders-contact one of the Rural Develop-
                                                          ment staff listed to discuss projects and
                                                          how to apply to the program
What Are the Limits?                                    Borrowers-contact a lender in your area
  Maximum     percentage applies to the entire          and ask if they participate in the B&I pro-
    loan:                                                 gram, or contact on the Rural Development
       - 80% for loans of $5 million or less              staff for a current listing of participating
       - 70% for loans over $5 million and up to          lenders
         and including $10 million
       - 60% for loans exceeding $10 million
         and up to and including $25 million
                                                     To ensure this information is the most current,
  Generally limited to a maximum of $10            please visit our website at www.rurdev.usda.gov
    million per borrower, some circumstances
    allow up to $25 million
                                                                                                                                              USDA is an equal opportunity provider, employer and lender.
               Business and Cooperative Programs                                                                       Business and Cooperative Program                                                      2
                     Intermediary Relending Program (IRP)                                                          Renewable Energy for America Program (REAP)
                                                                                                                           Guaranteed Loans & Grants
What is this Program?                               What are the Loan Terms?                            What is this Program?                               What are the Project
 USDA Rural Development supports loans for            Loans  to intermediaries are scheduled for
                                                                                                           USDA Rural Development funds energy              Requirements?
 smaller and emerging businesses, and busi-             repayment over a period of up to 30 years          efficiency projects (such as bioenergy, geo-
 ness facilities in order to promote community        The term of loans from intermediaries to                                                                All  projects must be based on satisfactory
                                                                                                           thermal, hydrogen, solar, wind and hydro
 economic development in rural areas                    ultimate recipients is set by the                                                                         sources of revenues in an amount sufficient
                                                                                                           power) that typically involve installing or
                                                        intermediary                                                                                              to provide for the operation and mainte-
                                                                                                           upgrading equipment to significantly reduce
                                                                                                                                                                  nance of the system or project
Who May Borrow?                                       At least 51% of the owners or members of           energy use
  Intermediaries   may be private nonprofit           both intermediaries and ultimate recipients                                                             For a grant, project must be for:
    corporations, public agencies, American             must be United States citizens or admitted      Who May Apply?                                                - Purchase of a renewable energy system
    Indian tribes or cooperatives                       for permanent residence                                                                                      or to make energy efficiency improve-
                                                                                                          Farmers,    ranchers and rural small                     ments
  Intermediaries must:                              Both intermediaries and ultimate recipients         businesses                                                - Pre-commercial or commercially
        - Have legal authority to carry out the         must be unable to obtain the proposed loan        Applicant must be the owner of the system                available and replicable technology, not
        proposed loan purposes and to incur             elsewhere at reasonable rates and terms             and control the operation and maintenance                for research and development
        and repay the debt                                                                                  of the proposed project                                 - Technically feasible
        - Have a record of successfully assisting
                                                                                                          A qualified third-party operator may be
        rural business and industry, normally       How Do I Apply?                                         used to manage the operation and/or for         How do I Apply?
        including experience in making and
                                                     Applications are accepted year-round for a             maintenance of the proposed project
        servicing commercial loans                                                                                                                             A Notice of Funding Availability (NOFA) is
                                                     quarterly competition at the National                Non-profit organizations and public entities
  Located in an eligible area of 25,000 or less                                                                                                              published in the Federal Register. This usually
                                                     level. Contact the Rural Development staff             are excluded                                       occurs on an annual basis for this program.
                                                     listed here for more details.
How May Funds Be Used?                                                                                    Located in an eligible area of 50,000 or less      The NOFA will provide all the necessary details
                                                                                                                                                               for applying including:
  All loan funds received by intermediary
                                                                                                                                                                   - Information applicants must submit
    must be re-loaned to ultimate recipients        Questions? Contact Us                               How May Funds Be Used?                                     - The criteria Rural Development will use
  Loans from intermediaries to recipients          *This program is administered centrally within       Items below must be an integral and neces-             to evaluate and rank applications
    must be:                                          the state. For more information, contact:             sary part of the total project:                        - Deadlines for applying
       - For the establishment of new                                                                        - Equipment, except agricultural tillage              - Address to send in completed
       businesses                                   Chuck Clendenin, Program Director                          equipment and vehicles                              applications
       - Expansion of existing businesses           530-792-5825 | chuck.clendenin@ca.usda.gov               - Post-application construction or project
       - Creation of employment opportunities                                                                  improvements, except residential
       - Saving of existing jobs                    Dan Johnson, Program Specialist                          - Energy audits or assessments                 Questions? Contact Us
       - For community development projects         661-336-0967 x127 | daniel.johnson@ca.usda.gov           - Permit fees                                  *This program is administered centrally within
  Some examples of eligible projects are:                                                                  - Professional service fees, except for         the state. For more information, contact:
       - The purchase or development of land                                                                   application preparation
       - Pollution control and abatement              To ensure this information is the most current,        - Feasibility studies                          Chuck Clendenin, Program Director
       - Transportation Services                     please visit our website at www.rurdev.usda.gov         - Business plans                               530-792-5825 | chuck.clendenin@ca.usda.gov
       - Feasibility studies                                                                                 - Retrofitting
       - Hotels, motels, and convention                                                                   Construction of a new facility only when the    Phil Brown, Energy Coordinator
         centers                                                                                            facility is used for the same purpose, is       530-792-5811 | phil.brown@ca.usda.gov
                                                                                                            approximately the same size, and based on
                                                                                                                                                            Steven Nicholls, Assistant Energy Coordinator
What are the Loan Limits/                                                                                   the energy audit will provide more energy
                                                                                                                                                            530-226-2585 | steven.nicholls@ca.usda.gov
                                                                                                            savings than improving an existing facility
Interest Rate?
                                                                                                          Only cost identified in the energy audit for    Dan Johnson, Assistant Energy Coordinator
  The interest rate on loans to intermediaries                                                            energy efficiency projects are allowed          661-336-0967x127 | daniel.johnson@ca.usda.gov
    is 1% per annum                                                                                       Total input from a nonrenewable energy
  The    interest rate charged to ultimate                                                                                                                Edgar Ortega, Assistant Energy Coordinator
                                                                                                            source for necessary and incidental
    recipients is negotiated by the intermediary                                                                                                            760-352-4418x102 | edgar.o.ortega@ca.usda.gov
                                                                                                            requirements of the energy system will be
  Loan from intermediaries to ultimate                                                                    determined by the technical reviewer
                                                                                                                                                             To ensure this information is the most current,
    recipients using the IRP revolving fund                                                                                                                 please visit our website at www.rurdev.usda.gov
    must not exceed $150,000 or 75% of the
    total cost of the project                                          USDA is an equal opportunity provider, employer and lender.
                                                                           Business and Cooperative Program                                                                                                3
                                                                              Rural Business Enterprise Grant (RBEG)


What is this Program?                                 Who Must the Grant Assist?                            Questions? Contact Us
 USDA Rural Development supports rural pro-
                                                         The  grant must assist specifically identifi-    Chuck Clendenin, Program Director                Karen Firestein, State Office Specialist
 jects that finance and facilitate development
                                                           able small and emerging private business         530-792-5825 | chuck.clendenin@ca.usda.gov       530-792-5829 | karen.firestein@ca.usda.gov
 of small and emerging rural businesses and
 help fund employment related adult education              enterprises                                                                                                                      Email (all end in
                                                                                                            Office        Counties Covered          Staff                Phone
 programs. RBEGs may fund a broad array of               Emerging private business enterprises                                                                                            @ca.usda.gov)
 activities such as revolving loan funds,                  defined as: “Generally any private business      Alturas       Lassen, Plumas, Modoc     Mike Colbert         530-233-8860       mike.colbert
 technical assistance, and construction                    which will employ 50 or fewer new
                                                           employees; has less than $1 million in           Bakersfield   Kern, Inyo                Dan Johnson          661-336-0967x127 daniel.johnson
                                                           projected gross revenues; has, or will utilize
Who May Apply?                                             technological innovations and commerciali-       El Centro     Imperial, San Diego       Daniel Cardona       760-352-4418x107   daniel.cardona
  Public  bodies, private non-profit corpora-            zation of new projects than can be
    tions and federally-recognized American                produced or manufactured in rural areas;         Eureka        Del Norte, Humboldt       Debbie Coggins       707-443-6714x107   deborah.coggins
    Indian Tribes may apply for the grant to               and new processes than can be used in                                                                         559-276-7494
    assist a business. GRANT FUNDS DO NOT                  such production.”                                                                        Lee Takikawa         Ext. 134           lee.takikawa
    GO DIRECTLY TO THE BUSINESS.                                                                            Fresno        Fresno, Kings
                                                                                                                                                    Richard Brassfield   Ext. 137           richard.brassfield
  City or town that has a population of less                                                                                                      Sally Tripp          Ext. 132           sally.tripp
    than 50,000 according to the latest decen-
                                                      What are Program Priorities?                                        Los Angeles, Orange,                           760-342-4624
    nial census.                                                                                            Indio         Riverside, San            John Jebian          Ext. 118           john.jebian
                                                         Communities      with less than 25,000
  At least 51% of the outstanding interest in                                                                           Bernardino                Sonny Hogue          Ext. 115           sonny.hogue
                                                           population
    any project must have membership or be                                                                                Alpine, Calaveras,
                                                         Communities where the unemployment rate                        Madera, Mariposa,                              209-723-0475
    owned by U.S. citizens or resident aliens              exceeds the state unemployment rate by           Merced        Merced, Mono, San         Jose Arroyo          Ext. 121           jose.arroyo
                                                           25% or more                                                    Joaquin, Stanislaus,      Jose Guardado        Ext. 117           jose.guardado
How Can Funds Be Used?                                   Communities where the median household                         Tuolumne
                                                           income (MHI) is less than the State MHI
  Technical    Assistance for small business                                                                            Butte, Colusa,                                 530-533-4401
    enterprises such as market research, prod-           Applicant has substantial experience in                        El Dorado Glenn,          Armando Tapia        Ext. 109           armando.tapia
                                                           administering rural economic development         Oroville
    uct or service improvement or completing a                                                                            Nevada, Placer, Sierra,   Ron Tackett          Ext. 103           ron.tackett
    feasibility study                                      where nonfederal funds are being utilized                      Sutter, Yolo, Yuba        Tammy Laizure        Ext. 131           tammy.laizure
  Capital expenditures to assist in the                Projects that will create and/or save one or
    development of small businesses                        more jobs for every $25,000                      Redding       Shasta, Tehama, Trinity   Steven Nicholls      530-226-2585       steven.nicholls
  Relending loan programs which provide                Written evidence that small business
                                                                                                                          Alameda, Contra Costa,
    financial assistance to small businesses               development will occur as a result of the
                                                                                                                          Monterey, San Benito,
                                                           grant because funding limitations projects
                                                                                                            Salinas       San Francisco, San        Violet Gomes         831-757-5294x106   violet.gomes
                                                           are usually less than $100,000
What Uses are Prohibited?                                                                                                 Mateo, Santa Clara,
  Promotion of an area to attract businesses                                                                            Santa Cruz
  Funding comprehensive area-wide type              How Do I Apply?                                                     San Luis Obispo,
                                                        Contact USDA staff near you for the applica-        Santa Maria                             Al Correale          805-928-9269x119   al.correale
    planning                                                                                                              Ventura, Santa Barbara
                                                        tion process and obtaining a processing guide
  Financing agriculture production                                                                                                                                     707-526-6797
                                                                                                                          Lake, Marin, Mendocino,
                                                                                                            Santa Rosa                              Jennifer Gooler      Ext. 102           jennifer.gooler
How Much are the Grants?                              Need More Details?                                                  Napa, Sonoma
                                                                                                                                                    Reef Atwell          Ext. 103           reef.atwell
                                                         Visit: http://www.rurdev.usda.g ov/                            Inyo, Kern, Kings, San                         559-734-8732
  There is no maximum                                   SupportDocuments/1942g.pdf                        Visalia       Luis Obispo, Santa       Lisa Butler           Ext. 103           lisa.butler
  Smaller projects are given higher priority                                                                            Barbara, Tulare, Ventura Mike Carnes           Ext. 106           mike.carnes
  Generally grants range from $10,000          to
   $500,000                                                                                                 Yreka         Siskiyou                  Kevin DeMers         530-842-6123x112   kevin.demers



   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                         USDA is an equal opportunity provider, employer and lender.
                                                                         Business and Cooperative Programs                                                                                                 4
                                                                                Value Added Producer Grants (VAPG)


What is this Program?                                What Projects are Eligible?                          What Activities are Ineligible?                      Need More Details?
 USDA Rural Development helps agricultural             Projects must expand customer base, increase        Including but not limited to:                        For complete details on this program please
 producers enter into value-added activities           revenue returns to the applicant producer,                                                               refer to our website:
                                                                                                            costs for land, buildings, equipment or
 related to the processing and/or marketing of         AND meet at least one of the following                                                                   www.rurdev.usda.gov/BCP_VAPG_Grants.html
                                                                                                              vehicles
 bio-based value-added products                        definitions:
                                                                                                            preparation of the grant application
                                                        Change in physical state. Alters the raw
Who May Apply?                                            agricultural commodity into a marketable
                                                                                                            research and development                         Questions? Contact Us
  Independent Producer                                  value-added product. Examples: fish fillets,      architectural or engineering design work,         *This program is administered centrally within
  Agricultural Producer Group                           diced tomatoes, bio-diesel fuel, cheese, jam,     expenses for the production, harvesting    or    the state. For more information, please contact:
                                                          and wool rugs.                                      delivery to a processing facility of any agri-
  Farmer or Rancher Cooperative                                                                             cultural commodity or product                     Chuck Clendenin, Program Director
  Majority-Controlled, Producer-Based                 Produced in a manner that enhances the
                                                                                                            owner or family member wages                      530-792-5825 | chuck.clendenin@ca.usda.gov
    Business Venture                                      value of the agricultural commodity. The use
                                                          of a recognizable production practices to         goods  or services from a person or entity        Karen Firestein, Program Coordinator
  There are no population restrictions for the          grow or raise raw commodities. Examples             that has a personal, professional, financial
    location of the project                                                                                                                                     530-792-5829 | karen.firestein@ca.usda.gov
                                                          of eligible products in this category include       or other interest in the outcome of the
                                                          sustainably grown apples, eggs produced             project.
What Types of Grants are                                  from free-range chickens, or organically
                                                          grown carrots.
Available?
                                                        Product   segregation. Separating an agricul-   How Do I Apply?
  Planning    Grants (maximum $100,000) for             tural commodity or product from other va-
    economic planning activities, such as                 rieties of the same commodity or product on        A  Notice of Funding Availability (NOFA) is
    feasibility studies, or development of                the same farm during production, harvest-            published in the Federal Register. This
    marketing and/or business plans for a                 ing, processing and marketing to increase            usually occurs on an annual basis for this
    value-added venture                                   the value. Example: genetically modified             program. The NOFA will provide all the
  Working Capital Grants (maximum                       corn separated from non-genetically modi-            necessary details for applying including:
    $300,000) for expenses related to the                 fied corn on the same farm.                           - Information applicants must submit
    marketing and/or processing of the value-                                                                   - The criteria Rural Development will use
                                                        Farm-  or Ranch-based renewable energy.
                                                                                                                to evaluate and rank applications
    added product                                         An agricultural commodity that is used to
  You can apply for one or the other, but not                                                                 - Deadlines for applying
                                                          generate renewable energy on a farm or
    both within the same year                                                                                   - Address to send in completed
                                                          ranch. NOTE: On-farm generation of energy
                                                                                                                applications
  Grants are a maximum of 3 years                       from wind, solar, geothermal or hydro
                                                          sources are not eligible.                          Applications require confirmation of
  Grant amounts limited to 50 percent of total                                                               matching funds for the balance of project
   eligible project costs                               Locally-produced   agricultural food product.        costs at application submission
                                                          Any agricultural food product that is raised,
                                                                                                             Applicants who have previously received a
                                                          produced, and distributed in the state it was
                                                                                                               planning grant or working capital grant for
                                                          produced or within 400 miles.
                                                                                                               the proposed project may not receive a
                                                                                                               second planning or working capital grant
                                                                                                               for the same project




   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                       USDA is an equal opportunity provider, employer and lender.
                                                                         Business and Cooperative Programs                                                                                                    5
                                                                            Rural Business Opportunity Grant (RBOG)


What is this Program?                                What Uses are Prohibited?                            Questions? Contact Us
 USDA Rural Development promotes economic                Duplication of current services replacing or     *This program is administered centrally within the state. For more information, please contact:
 development in rural communities with                    substituting support previously provided
 exceptional needs through provision of
                                                         Fund political activities                      Chuck Clendenin, Program Director                Karen Firestein, Program Coordinator
 training and technical assistance for business
 development, entrepreneurs, and economic                   Acquisition of real estate,      building   530-792-5825 | chuck.clendenin@ca.usda.gov       530-792-5829 | karen.firestein@ca.usda.gov
 development officials                                       construction or development



Who May Apply?                                       How Much are the Grants?
  Public     bodies, private non-profit                The  maximum grant for a project serving a
    corporations, Federally-recognized Tribal              single states is $50,000
    groups and cooperatives with members that            The maximum grant for a project serving
    are primarily rural residents                          two or more states is $150,000
  Applicant must have significant expertise in
    the activities proposed and the financial
    resources to ensure that the business            How Do I Apply?
    objectives can be accomplished
                                                        A Notice of Funding Availability (NOFA) is
  Project must include a basis for determining        published in the Federal Register. This usually
    the success or failure and assessing the            occurs on an annual basis for this program.
    project’s impact                                    The NOFA will provide all the necessary details
  Located in an eligible area of 50,000 or less       for applying including:
                                                            - Information applicants must submit
                                                            - The criteria Rural Development will use
How May Funds Be Used?                                      to evaluate and rank applications
  Identify and analyze business opportunities             - Deadlines for applying
    that use local rural materials or human                 - Address to send in completed
    resources                                               applications
  Establish business support centers and
    assist in the creation of new rural
    businesses
  Identify, train and provide technical
    assistance to existing or prospective rural
    entrepreneurs and managers, including
    leadership development training
  Conduct community or multi-county
    economic development planning
  Establish centers for training, technology
    and trade to assist rural businesses in using
    interactive communications technologies to
    develop international trade opportunities
    and markets
  Pay reasonable fees and charges for
    professional services necessary to conduct
    the technical assistance, training or
    planning



   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                       USDA is an equal opportunity provider, employer and lender.
                Business and Cooperative Programs                                                                      Business and Cooperative Programs                                                      6
            Rural Economic Development Loan/Grant (REDLG)                                                        Rural Microentrepreneur Assistance Program (RMAP)


What is this Program?                                 Questions? Contact Us                              What is this Program?                                 What are Funding Limits?
 USDA Rural Development provides loans and            *This program is administered centrally within      USDA Rural Development provides loans and               Maximum loan limit $500,000, microlenders
 grants to local utility organizations which then      the state. For more information, contact:          grants to microenterprise development organi-             are eligible for Technical Assistance grants
 provide funds to local businesses for projects                                                           zations (MDO) for microlending and technical              based upon outstanding microloans under
 that will create and retain jobs in rural areas        Chuck Clendenin, Program Director                 assistance to support the development of                  this program
                                                        530-792-5825 | chuck.clendenin@ca.usda.gov        microentrepreneurs and microenterprises
                                                                                                                                                                  Maximum Technical Assistance Only Grants
Who May Apply?                                                                                                                                                      depends on availability of funds
                                                        Karen Firestein, Program Coordinator
  Former borrower that has repaid or prepaid          530-795-5829 | karen.firestein@ca.usda.gov       Who May Apply?                                           RMAP loans cannot provide more than 75%
                                                                                                           Microenterprise    development organizations           of the project cost
    an insured, direct or guaranteed loan under
    the Rural Electrification Act                                                                            are nonprofit, American Indian tribes, or            RMAP grants require a 15% match (can be
  Not-for-profit utility that is eligible to                                                               institutions of higher learning                        matching funds, indirect costs, or in-kind
                                                       To ensure this information is the most current,                                                              goods or services)
    receive assistance from Rural Development         please visit our website at www.rurdev.usda.gov      End recipients should be located in a rural
  Current Rural Development Electric or                                                                    area with a population less than 50,000 and
    Telecommunications Program borrower                                                                      have 10 or less full time employees               How Do I Apply?
  Located in an eligible rural area of 25,000                                                                                                                  A Notice of Funding Availability (NOFA) is
    or less                                                                                              What Loans are Available?                               published in the Federal Register.          This
                                                                                                           Microlenders providing fixed interest rate            usually occurs on an annual basis for this
                                                                                                           microloans to rural microentrepreneurs for            program. The NOFA will provide all the neces-
How May Funds Be Used?                                                                                                                                           sary details for applying including:
                                                                                                           startup and growing microenterprises may
  Capitalization of revolving loan funds                                                                 receive up to $500,000                                       - Information applicants must submit
                                                                                                                                                                        - The criteria Rural Development will
  Technical assistance in conjunction with                                                                                                                              use to evaluate and rank applications
    projects funded under a zero interest RED-                                                           What Grants are Available?                                     - Deadlines for applying
    Loan                                                                                                                                                                - Address to send in completed
                                                                                                            TA Grant – provide technical assistance and
  Business Incubators                                                                                       training to eligible microentrepreneurs and                 applications
  Community Development Assistance to non                                                                   microenterprises— applicant is eligible for
    -profits and public bodies (particularly job                                                              25% of the first $400,000 loaned to
    creation or enhancement)                                                                                  microborrowers and 5% of all additional          Questions? Contact Us
  Facilities and equipment for education and                                                                loans                                             *This program is administered centrally within
    training for rural residents to facilitate eco-                                                         TA-Only Grant – provided to eligible MDOs          the state. For more information, contact:
    nomic development                                                                                         that seek to provide business-based techni-
                                                                                                                                                                Chuck Clendenin, Program Director
  Facilities and equipment for medical care to                                                              cal assistance and training to eligible micro-
                                                                                                              entrepreneurs and microenterprises.               530-792-5825 | chuck.clendenin@ca.usda.gov
    rural residents
  Telecommunications/computer networks for                                                                  (Entities receiving microlending TA Grants
                                                                                                              will not be eligible to apply for TA-Only         Dan Johnson, Program Coordinator
    distance learning or long distance medical                                                                                                                  661-336-0967x127| daniel.johnson@ca.usda.gov
                                                                                                              grants)
    care


How Do I Apply?                                                                                                                                                   To ensure this information is the most current,
                                                                                                                                                                 please visit our website at www.rurdev.usda.gov
A Notice of Funding Availability (NOFA) is
published in the Federal Register. This usually
occurs on an annual basis for this program. The
NOFA will provide all the necessary details for
applying including:
      - Information applicants must submit
      - The criteria Rural Development will use
        to evaluate and rank applications
      - Deadlines for applying
      - Address to send in completed                                       USDA is an equal opportunity provider, employer and lender.
        applications
                                                                                                  Community Programs                                                                                                    7
                                                                         Community Facilities Direct Loan & Grant (CF Loan/Grant)


What is this Program?                                           What Uses are Prohibited?                             Questions? Contact Us
 USDA Rural Development helps fund essential                       On-site    utility systems of business or        Janice Waddell, Program Director                   Anita Lopez, State Office Specialist
 community facilities; such as first responder                       industrial buildings in industrial park          530-792-5810 | janice.waddell@ca.usda.gov          530-792-5822 | anita.lopez@ca.usda.gov
 vehicles and equipment, healthcare, public                        Finance recreational facilities or community
 safety, and public services                                         antenna television services or facilities                                                                                        Email (all end in
                                                                                                                         Office        Counties Covered               Staff             Phone
                                                                                                                                                                                                       @ca.usda.gov
                                                                   Construct facilities primarily for the purpose
Who May Apply?                                                       of house State, Federal or Quasi-Federal
                                                                                                                      Alturas       Lassen, Modoc, Plumas        Mike Colbert     530-233-8860        mike.colbert
                                                                     agencies
  Not-for-profit Corporations - the entity must
    have significant ties to the local community                   New combined sanitary and storm water
    such as control by a public body or broadly                      sewer facilities                                 Bakersfield   Inyo, Kern                   Teresa Hogan     661-336-0967x125    teresa.hogan
    based ownership and controlled by                              Pay annual recurring costs including
    members of the local community                                   purchases or rentals considered to be                                                       Daniel Cardona   760-352-4418x107    daniel.cardona
                                                                                                                      El Centro     Imperial, San Diego
  P u b l i c B o d i e s ( c i t i e s , c o u n t i e s ,        operating and maintenance expenses                                                          Luis Andrade     760-352-4418x108    luis.andrade
    special-purpose districts, etc.)                               Facilities not modest in size design and cost                  Alpine, Amador, Calaveras,
  Federally recognized American Indian tribal                    Finder’s and packager’s fees                     Elk Grove     Contra Costa, Mono, San      Frank Risso      916-425-4768        frank.risso
    groups                                                         Refinance existing debt or pay interest                        Joaquin
  Must be unable to obtain commercial credit
                                                                                                                                    El Dorado, Nevada, Placer,
  Located in an eligible area of 20,000 or less                                                                     Elk Grove
                                                                                                                                    Sacramento, Sierra, Solano
                                                                                                                                                               Doug Colucci       916-714-1104x106    doug.colucci
                                                                How Much are the Grants?
How Can Funds Be Used?                                             Grant cannot exceed 75% of project cost          Fresno        Fresno                       Sally Tripp      559-276-7494x132    sally.tripp
 Construct, enlarge or otherwise improve es-                       A scale is used to determine grant funding
 sential community facilities operated on a                          based on population and income                                 Los Angeles, Orange,
                                                                                                                      Indio                                      Carrie McLeod    760-342-4624x120    carrie.mcleod
 nonprofit basis. Examples include:                                                                                                 Riverside, San Bernardino
    Health care: hospitals, clinics, nursing
      homes, etc.                                                                                                                   Madera, Mariposa, Merced,    Jose Arroyo      209-723-0475x121    jose.arroyo
                                                                                                                      Merced
    Public safety: police/fire stations, rescue               How Do I Apply?                                                     Stanislaus, Tuolumne         Jose Guardado    209-538-3783        jose.guardado
                                                                  Applications are accepted year-round. Contact
      vehicles, communications centers                                                                                              Butte, Colusa, Sutter, Yolo,
                                                                  your local Rural Development office using the       Oroville                                   Katie Schmitt    530-533-4401x127    kaitlin.schmitt
    Education: schools, pre-schools, child                      list to the right.                                                Yuba
      care centers, school buses, etc.
                                                                                                                                    Glenn, Shasta, Tehama,
    Public services: city halls, courthouses,                                                                       Redding
                                                                                                                                    Trinity
                                                                                                                                                                 Michael Velez    530-226-2586        michael.velez
      community centers, airports, libraries,
      homeless shelters, museums, animal                                                                                            San Luis Obispo, Santa
      shelters, etc.                                                                                                  Santa Maria                                Al Correale      805-928-9269x119    al.correale
                                                                                                                                    Barbara, Ventura
    Transportation infrastructure: such as                     To ensure this information is the most current,
      streets, roads, bridges, and natural gas                  please visit our website at www.rurdev.usda.gov                     Alameda, Del Norte,
      distribution systems                                                                                                          Humboldt, Lake, Marin,
    Industrial parks: land acquisition and site                                                                                   Mendocino, Monterey,                          707-526-6797
                                                                                                                      Santa Rosa    Napa, San Benito, San        Reef Atwell      Ext.103             reef.atwell
      preparation only. Purchase of existing
                                                                                                                                    Francisco, San Mateo,        Quinn Donovan    Ext. 105            quinn.donovan
      facilities to improve or prevent a loss of
                                                                                                                                    Santa Clara, Santa Cruz,
      service
                                                                                                                                    Sonoma
 Pay the following expenses:
    Reasonable fees, costs and interest                                                                             Visalia       Kings, Tulare                Lisa Butler      559-734-8732x103    lisa.butler
     Costs   of acquiring interest and rights in
       land                                                                                                           Yreka         Siskiyou                     Kevin Demers     530-842-6123        kevin.demers
     Purchasing or renting equipment
     Initial operating expenses
                                                                                                                                     USDA is an equal opportunity provider, employer and lender.
                                                                                          Community Programs                                                                                                    8
                                                                     Community Facilities Guaranteed Loan (CF Guarantee)


What is this Program?                                 What Uses are Prohibited?                             Questions? Contact Us
 USDA Rural Development guarantees loans                 On-site    utility systems of business or         *This program is administrated centrally within the state. For more information, please contact:
 made by eligible lenders, in order to fund                industrial buildings in industrial park
 essential community facilities such as first
 responder vehicles and equipment, health-
                                                         Community antenna television services or
                                                                                                                                  Janice Waddell, Program Director
                                                           facilities
 care, public safety, and public services                                                                                         530-792-5810 | janice.waddell@ca.usda.gov
                                                         Facilities not modest in size, design and
                                                           cost                                                                   Anita Lopez, State Office Specialist
Who May Borrow?                                          Finder’s and packager’s fees                                           530-792-5822 | anita.lopez@ca.usda.gov
  Not-for-profitCorporations – the entity              New combined sanitary and storm water
    must have significant ties to the local                                                                                        Pete Yribarren, Program Specialist
                                                          sewer facilities
    community such as control by a public body                                                                                     559-734-8732 x108 | pete.yribarren@ca.usda.gov
    or broadly-based ownership and controlled
    by members of the local community
  Federally Recognized Native American              What are the Interest Rates/
    tribes                                            Repayment Terms?
  Communities with a population less than
    20,000
                                                         Fixed or variable rate allowed
                                                         Variable rate must be tied to    a base rate
                                                           published periodically in a recognized
How May Funds Be Used?                                     national or regional financial publication
  Construct,    enlarge, extend or otherwise           Rate is negotiated between the borrower
    improve essential community facilities                 and the lender
    operated on a nonprofit basis such as:               Machinery and equipment - 15 - 20 years
         - Fire, rescue, public safety, health             (or useful life)
         - Community, social or cultural                 Real estate - 40 years
           services
         - Transportation infrastructure:
           streets, roads, and bridges
         - Facilities used primarily for recreation
                                                      What is Fee/Limit?
         - Purchase existing facilities to improve       A guarantee fee of 1% of the guaranteed
         or prevent a loss of service                      portion of the loan is required
  Pay the following expenses:                          Max of 90% guarantee on total loan
         - Reasonable fees, costs and interests          Not exceed 40 years
         - Cost acquiring interest & rights in           Not exceed useful life of facility
           land
         - Purchasing or renting equipment
         - Initial operating expenses                 How Do I Apply?
  Refinancing debt if the following exist:
         - Debts being refinanced are second             Lenders-contact one of the Rural Develop-
         daily part of loan (less than 50%)                ment staff listed to discuss projects and
         - Debts being refinanced were incurred            how to apply to the program
         for facility or service being currently         Borrowers-contact a lender in your area
         financed present creditors will not               and ask if they participate in the program,
         extend or modify terms of the existing            or contact on the Rural Development staff
         debts to an acceptable rate                       for a current listing of participating lenders
  Pay obligations for construction incurred
    before issuance of the Conditional                 To ensure this information is the most current,
    Commitment (only in limited instances)            please visit our website at www.rurdev.usda.gov
                                                                                                                          USDA is an equal opportunity provider, employer and lender.
                                                                                            Community Programs                                                                                                    9
                                                                      Water and Environmental Program (WEP) Loan/Grant


What is this Program?                                   What are Loan Rates/Terms?                              Questions? Contact Us
 USDA Rural Development develops and re-                    Typical funding: $1-3 million                     Janice Waddell, Program Director
 pairs water, sewer, storm drainage, and solid              The interest rates that are used to      calcu-   530-792-5810 | janice.waddell@ca.usda.gov
 waste water systems                                          late these loans are subject to change quar-
                                                              terly                                             Dave Hartwell, State Office Specialist           Pete Yribarren, Program Specialist
                                                                                                                530-792-5817 | dave.hartwell@ca.usda.gov         559-734-8732 x108 | pete.yribarren@ca.usda.gov
                                                            Loans are made based on the applicant's
Who May Apply?                                                authority and the life expectancy of the                                                                                           Email (all end in
                                                                                                                   Office        Counties Covered               Staff             Phone
  Available  to public bodies, tribes, and                  system's project, which may be up to the                                                                                             @ca.usda.gov
    nonprofits (cities, water districts, and                  maximum of 40 years
    mutual water companies)                                                                                     Alturas       Lassen, Modoc, Plumas        Mike Colbert     530-233-8860        mike.colbert
                                                            This loan program is based on repayment
  Applicants must be unable to obtain the                   ability, and is calculated on similar      sys-
    financing from other sources at rates and                 tems rates, median household income,              Bakersfield   Inyo, Kern                   Teresa Hogan     661-336-0967x125    teresa.hogan
    terms they can afford and/or their own                    financial status of the system, and out-
    resources                                                 standing indebtedness                                                                        Daniel Cardona   760-352-4418x107    daniel.cardona
                                                                                                                El Centro     Imperial, San Diego
  Population may not exceed 10,000                        There are some systems that qualify for                                                      Luis Andrade     760-352-4418x108    luis.andrade
                                                              grant funding; however, grant funding
                                                                                                                              Alpine, Amador, Calaveras,
                                                              availability is limited. Applicant    contribu-
How May Funds Be Used?                                        tions show ownership in the projects and
                                                                                                                Elk Grove     Contra Costa, Mono, San      Frank Risso      916-425-4768        frank.risso
                                                                                                                              Joaquin
    Construction                                            are often recommended. These applicant
                                                              contributions are the first money spent in
    Land acquisition                                                                                          Elk Grove
                                                                                                                              El Dorado, Nevada, Placer,
                                                                                                                                                         Doug Colucci       916-714-1104x106    doug.colucci
                                                              any project                                                     Sacramento, Sierra, Solano
    Legal fees
    Engineering fees                                                                                          Fresno        Fresno                       Sally Tripp      559-276-7494x132    sally.tripp
    Capitalized interest
                                                        How Do I Apply?
                                                                                                                              Los Angeles, Orange,
    Equipment                                            Applications are accepted year-round. Contact        Indio
                                                                                                                              Riverside, San Bernardino
                                                                                                                                                           Carrie McLeod    760-342-4624x120    carrie.mcleod
    Initial operation                                    your local Rural Development office using the
                                                           list to the right.
    Maintenance costs                                                                                                       Madera, Mariposa, Merced,    Jose Arroyo      209-723-0475x121    jose.arroyo
                                                                                                                Merced
                                                                                                                              Stanislaus, Tuolumne         Jose Guardado    209-538-3783        jose.guardado
    Project contingencies
    To connect service lines to a residence                                                                                 Butte, Colusa, Sutter, Yolo,
                                                                                                                Oroville                                   Katie Schmitt    530-533-4401x127    kaitlin.schmitt
                                                                                                                              Yuba
    Pay utility hook-up fees
                                                                                                                              Glenn, Shasta, Tehama,
                                                                                                                Redding                                    Michael Velez    530-226-2586        michael.velez
                                                                                                                              Trinity
What Types of Projects Are
Eligible?                                                                                                       Santa Maria
                                                                                                                              San Luis Obispo, Santa
                                                                                                                                                           Al Correale      805-928-9269x119    al.correale
                                                                                                                              Barbara, Ventura
    Water
    Sewer                                                                                                                   Alameda, Del Norte,
                                                                                                                              Humboldt, Lake, Marin,
    Solid waste and storm drainage     systems                                                                              Mendocino, Monterey,
                                                                                                                                                           Reef Atwell      707-526-6797x103    reef.atwell
     New and repair projects– for domestic and                                                                Santa Rosa    Napa, San Benito, San
                                                                                                                                                           Quinn Donovan    707-526-6797x105    quinn.donovan
      industrial users                                                                                                        Francisco, San Mateo,
                                                                                                                              Santa Clara, Santa Cruz,
                                                                                                                              Sonoma

                                                                                                                Visalia       Kings, Tulare                Lisa Butler      559-734-8732x103    lisa.butler

                                                                                                                Yreka         Siskiyou                     Kevin Demers     530-842-6123        kevin.demers


      To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                          USDA is an equal opportunity provider, employer and lender.
                                  Community Programs                                                                              Community Programs                                                  10
              Distance Learning and Telemedicine Program (DLT)                                           Rural Broadband Access Loan/Loan Guarantee (Broadband)


What is this Program?                                 Questions? Contact Us                              What is this Program?                              Questions? Contact Us
 USDA Rural Development offers loans and                                                                  USDA Rural Development provides loans and *This program is administered centrally from the
                                                      *This program is administered centrally from the
 grants to provide enhanced learning and                                                                  loan guarantees for the costs of construction, national office. For more information, contact:
                                                       national office. For more information, contact:
 health care opportunities for rural residents                                                            improvement, and acquisition of facilities and
                                                        Harry Hutson, General Field Representative        equipment to provide broadband service to       Harry Hutson, General Field Representative
                                                                                                          eligible rural communities                      623-535-5450 | harry.hutson@wdc.usda.gov
Who May Apply?                                          623-535-5450 | harry.hutson@wdc.usda.gov
  Corporations    or partnerships, American                                                                                                                Tammy Laizure, CA Broadband Coordinator
    Indian tribes or tribal organizations, state or    To ensure this information is the most current,   Who May Apply?                                      530-533-4401x131 | tammy.laizure@ca.usda.gov
    local government, consortia, and private for      please visit our website at www.rurdev.usda.gov      Nonprofit or for-profit organization,
    -profit or non-profit corporations
                                                                                                             corporation, LLC, cooperative or mutual
  Entities provide education and medical care                                                                                                               To ensure this information is the most current,
                                                                                                             organization, Indian tribe or tribal
    via telecommunications                                                                                                                                   please visit our website at www.rurdev.usda.gov
                                                                                                             organization, state or local government
  Individuals are not eligible                                                                           Individuals or partnerships are not eligible
  Located in rural area with population less                                                             Located in rural area with population less
   than 20,000                                                                                              than 20,000

How May Funds Be Used?
 Capital and hardware costs that will enhance                                                            How May Funds Be Used?
 telecommunication capabilities such as:                                                                   Construction,  improvement, and acquisition
  Audio, video, terminal equipment                                                                         of facilities
  Computer hardware and software                                                                         Cost of leasing facilities
  Instructional programming                                                                              Refinance    obligations on another telecom-
  Technical assistance and instruction        for                                                          munications loan made under Rural
   using equipment                                                                                           Electrification Act
                                                                                                           Pre-loan expenses associated with loan
                                                                                                             application
How Do I Apply?
  Loan and loan/grant combination
    applications are accepted on a year-round                                                            How Do I Apply?
    basis and are non-competitive
                                                                                                           Applicationssubmitted on a year-round
  100% grant applications are accepted                                                                    basis in Washington DC Broadband Office
    annually through a competitive process.
    A notice will be published in the Federal
    Register each year, usually in January




                                                                          USDA is an equal opportunity provider, employer and lender.
                                                                             Single Family Housing Program                                                                                              11
                                                                         Single Family Housing Direct Loan (Sec. 502)


What is this Program?                                What is the Typical Home Size                       Questions? Contact Us
 USDA Rural Development provides mortgages           and Design?                                         Bob Anderson, State Director                        Debbie Morris, State Office Specialist
 to low-income individuals or families to                                                                530-792-5816 | bob.anderson@ca.usda.gov             530-792-5820 | debbie.morris@ca.usda.gov
 purchase a home in a rural area                         Homes    will be modest in size, design and
                                                           cost but adequate to meet family needs.                                                                                          Email (all end in
                                                                                                            Office      Counties Covered                Staff                 Phone
                                                                                                                                                                                             @ca.usda.gov)
                                                         New homes average about 1,200 square
Who May Borrow?                                            feet of living area
                                                                                                         El Centro    Imperial, San Diego
                                                                                                                                                Patty Coronado          760-352-4418 x109 patty.coronado
  Low      and very-low income families/               Cost and design vary in different areas of                                           Edgar Ortega            760-352-4418 x102 edgar.o.ortega
    individuals                                            the country
                                                                                                                      Alpine, Amador,
  Must be unable to obtain a loan from other                                                                        Calaveras, Contra
    sources on terms and conditions that can                                                                                                                            916-714-1104
                                                                                                                      Costa, El Dorado,
    reasonably be expected to be met                 What are the Loan Terms?                            Elk Grove
                                                                                                                      Mono, Nevada, Placer,
                                                                                                                                                Paula Galvan            Ext. 104            paula.galvan
                                                                                                                                                Maretta Siatunuu        Ext. 100            maretta.siatunuu
  Have sufficient income to pay house                  Loans  may be made for up to 100% of the                   Sacramento, San
    payments, insurance premiums and taxes,                appraised value of the site and the new                    Joaquin, Sierra, Solano
    and necessary living expenses (Persons                 home if construction inspections were made
    with inadequate repayment ability may                  by Rural Development or other parties         Eureka       Del Norte, Humboldt       Linda Hunt               707-443-6714 x101 linda.hunt
    obtain co-signers for the loan)                        authorized by Rural Development
                                                                                                                                                                        559-276-7494
  Possess legal capacity to incur the loan             Homes over 1 year old and improvements                                               Liz Vannata             Ext. 133            liz.vannata
    obligation                                             to them also may be financed with 100%        Fresno       Fresno
                                                                                                                                                Rebecca Didway          Ext. 139            rebecca.didway
  Possess the ability to carry out the                   loans                                                                                Alba Lazaro             Ext. 131            alba.lazaro
    undertakings and obligations required in             Maximum repayment period is 33 years                                                                         760-342-4624
    connection with the loan                               and, under certain conditions, 38 years                    Los Angeles, Orange,
                                                                                                                                                Maggie Slater           Ext. 122            magdalena.slater
  Located in eligible town: generally less than        Maximum repayment period for                  Indio        Riverside,
                                                                                                                                                David Afolayan          Ext. 119            david.afolayan
    25,000 population and not part of an ur-                                                                          San Bernardino
                                                           manufactured homes is 30 years                                                       Maria Elena Desamito    Ext. 126            mariaelena.desamito
    banized area                                         Loan limits vary by county and state                       Madera, Mariposa,
  To locate eligible rural areas in California                                                                                                Guadalupe Valdes       209-722-4119 x119 guadalupe.valdes
                                                                                                         Merced       Merced, Stanislaus,
    visit: http://eligibility.sc.egov.usda.gov                                                                                                  Lisandra Lima-Vitorino 209-722-4119 x120 lisandra.vitorino
                                                                                                                      Tuolumne
                                                     How Do I Apply?
                                                        Applications are accepted year-round. Contact                 Glenn, Lassen, Plumas,
                                                                                                         Redding                              Billie DeMaagd            530-226-2588        billie.demaagd
How May Funds Be Used?                                  your local Rural Development office using the                 Shasta, Tehama, Trinity
  Purchase,  build, improve, repair or rehabili-      list to the right.                                                                                              530-533-4401
    tate rural homes and related facilities and                                                                       Butte, Colusa, Sutter,
                                                                                                         Oroville                               Nicole Roldan-Leben     Ext. 110            nicole.roldan
    to provide adequate water and waste                                                                               Yolo, Yuba
                                                                                                                                                Frances Parker          Ext. 101            frances.parker
    disposal systems                                                                                                  Alameda, Monterey,                                831-757-5294
  Homes may be built on individual tracts or                                                           Salinas
                                                                                                                      San Benito, San Mateo, Mark Hultgren              Ext. 104            mark.hultgren
    in subdivisions                                                                                                   San Francisco, Santa   Lupe Benavides             Ext. 105            lupe.benavides
  Modernize homes – add bathrooms, central                                                                          Clara, Santa Cruz      Esther Flores              Ext. 102            esther.flores
    heating, modern kitchens, and other im-                                                                           Lake, Marin, Mendo-       Jennifer Gooler         707-526-6797 x105 jennifer.gooler
                                                                                                         Santa Rosa
    provements such as driveways and founda-                                                                          cino, Napa, Sonoma        Leanne McManus          707-526-6797 x100 leanne.mcmanus
    tion plantings                                                                                                    Inyo, Kern, Kings,
                                                                                                                                                                        559-734-8732
  Borrowers may buy an existing home or lot                                                            Visalia
                                                                                                                      San Luis Obispo,
                                                                                                                                                Stacy Lopez             Ext. 111            stacy.lopez
    or buy a site on which to build a home                                                                            Santa Barbara, Tulare,
                                                                                                                                                Janie Gaxiola           Ext. 115            janie.gaxiola
                                                                                                                      Ventura
                                                                                                                                                                        530-842-6123
                                                                                                         Yreka        Modoc, Siskiyou           Richard Stahmann        Ext. 102            richard.stahmann
                                                                                                                                                Dale Stretz             Ext. 115            dale.stretz



   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                     USDA is an equal opportunity provider, employer and lender.
                                                                              Single Family Housing Program                                                                                              12
                                                                       Guaranteed Rural Housing Loan (GRH Sec. 502)


What is this Program?                                What are the Loan Terms?                              Questions? Contact Us
  USDA Rural Development guarantees                      Maximum loan amount up to 102% when             Bob Anderson, Program Director                       Annette Joyer, State Office Specialist
  mortgage loans made by eligible lenders to               guarantee fee is financed into loan amount      530-792-5816 | bob.anderson@ca.usda.gov              916-714-1104 x107 | annette.joyer@ca.usda.gov
  low and moderate income people to pur-                 Loan can include closing costs and repairs if
  chase a home in a rural area                             appraisal is higher than sales price                                                                                                Email
                                                                                                           Lenders Served                       Office     Staff            Phone              (all end in
                                                         No monthly mortgage insurance premium                                                                                               @ca.usda.gov)
Who May Borrow?                                            payment is required
                                                                                                           JP Morgan Chase Bank, NA; all
  Borrowers do not have to be first time               Up front 2% guarantee fee and 0.3% an-          other lenders not specifically       Elk Grove Annette Joyer     916-714-1104x107   annette.joyer
    home buyers                                            nual fee based on the unpaid principal bal-     assigned below
                                                           ance
  Income must be adequate and dependable                                                                 Academy Mortgage Corp; Golden
                                                         No cash reserves are required                   Empire Mortgage; Megastar
  Acceptable credit history
                                                                                                           Financial; PHH Mortgage Corp;                   Nicole Roldan-
  Cannot obtain conventional financing                                                                   RANLIFE; WCS Lending, LLC;
                                                                                                                                                Oroville
                                                                                                                                                           Leben
                                                                                                                                                                            530-533-4401x110   nicole.roldan
  Citizen or permanent legal resident              How Do I Apply?                                       W.J. Bradley Mortgage Capital
  Legal capacity to incur debt                        Contact a local participating lender of your       Corp
  Applicants for loans may have an income of          choice.    A complete list of California’s
                                                        approved lenders are located at:                   American Pacific Mortgage Corp;
    up to 115% of the median income for the                                                                DHI Mortgage Co.; Guild Mort-
                                                         www.rurdev.usda.gov/CA-SFHPrograms.html
    area                                                                                                   gage Co.; K. Hovnanian American
  Families must be without adequate housing,                                                             Mortgage; LHM Financial; MMC    Redding         Ed Amen          530-226-2589       ed.amen
    but be able to afford the mortgage                                                                     Lending; Oaktree Funding Corp.;
    payments, including taxes and insurance
                                                     Lender Questions?                                     Platinum Home Mortgage Corp;
  Properties must be located in eligible rural        Lenders should contact the appropriate staff       Plaza Home Loans
                                                        listed to the right
    areas (generally towns of 20,000 or less                                                               AFN dba MGM Mortgage; Bank of
    that are removed from an urban area)                                                                   America; CNB National Lending;                                                      lupe.benavides
                                                                                                                                                                          831-757-5294
                                                                                                           Gateway Business Bank;                          Lupe Benavides                      violet.gomes
                                                                                                                                                Salinas                   Ext. 105
                                                                                                           Imortgage.com; Pinnacle Capital                 Violet Gomes
How May Funds Be Used?                                                                                     Mortgage Corp; Prime Lending;
                                                                                                                                                                          Ext. 106
  Purchase new or existing home                                                                          Prospect Mortgage, LLC
  Pay closing costs for loan (no disc. points)                                                           Country Club Mortgage; Eagle
  Pay pre-paid insurance                                                                                 Home Loans; Evergreen Home
  Pay for necessary repairs                                                                              Loans; Kings Mortgage Services;
                                                                                                           Metlife Bank, NA; Mortgage Lend-
                                                                                                           ers of America; Mountain West
                                                                                                                                                                          559-734-8732
                                                                                                           Financial; Primary Residential                  Nellie Nunez                        nellie.nunez
Are There Any Restrictions?                                                                                Mortgage; Resource Lenders;
                                                                                                                                             Visalia
                                                                                                                                                           Maricela Gomez
                                                                                                                                                                          Ext. 110
                                                                                                                                                                                               maricela.gomez
                                                                                                                                                                          Ext. 114
  Property must be located in eligible rural                                                             Sierra Pacific Mortgage; Simonich
    areas                                                                                                  Corp; Summit Funding; Suntrust
  Land value cannot exceed 30% of total                                                                  Mortgage; Vitek Real Estate
    value                                                                                                  Industries Group; Wallick & Volk;
                                                                                                           Wells Fargo Home Mortgage
  No in-ground swimming pools
                                                                                                           First Nations Home Finance; First
  No substandard homes
                                                                                                           Priority Financial; Flagstar Bank;
  No existing manufactured homes                                                                         Mason-McDuffie Mortgage; Para-       Yreka      Dale Stretz      530-842-6123x 115 dale.stretz
                                                                                                           mount Residential (PRMG):
                                                                                                           Stearns Lending




   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                         USDA is an equal opportunity provider, employer and lender.
                                                                              Single Family Housing Program                                                                                                13
                                                                                   Repair Loan and Grant (Sec. 504)


What is this Program?                                What are the Security                                  Questions? Contact Us
 USDA Rural Development repairs and rehabili-        Requirements?                                          Bob Anderson, Program Director                      Debbie Morris, State Office Specialist
 tates modest homes to safe and sanitary con-                                                               530-792-5816 | bob.anderson@ca.usda.gov             530-792-5820 | debbie.morris@ca.usda.gov
 ditions for very low-income homeowners                  A  real estate Deed of Trust (mortgage) is
                                                           required for loans of more than $7,500, and                                                                                         Email (all end in
                                                           in some instances may be required for               Office      Counties Covered                Staff                 Phone
Who May Apply?                                                                                                                                                                                  @ca.usda.gov)
                                                           smaller loans
  Very   low-income homeowners below 50%
                                                         If the loans are under $2,500, but income is     El Centro    Imperial, San Diego
                                                                                                                                                   Patty Coronado          760-352-4418 x109 patty.coronado
    of the area median income can receive up                                                                                                       Edgar Ortega            760-352-4418 x102 edgar.o.ortega
                                                           small so that repaying the loan will be
    to $20,000 in loan and grants
                                                           difficult, someone may co-sign the loan note                  Alpine, Amador,
  To receive a grant, the homeowner must be              with the borrower                                             Calaveras, Contra
    62 years or older and unable to pay for any                                                                                                                            916-714-1104
                                                         Homeowners who receive a grant or a              Elk Grove
                                                                                                                         Costa, El Dorado,
                                                                                                                                                   Paula Galvan            Ext. 104            paula.galvan
    repairs on the house                                                                                                 Mono, Nevada, Placer,
                                                           combination loan and grant must agree to                                                Maretta Siatunuu        Ext. 100            maretta.siatunuu
  To receive a combination loan and grant, an            repay the grant if the property is sold within                Sacramento, San
    applicant must be 62 years or older and                3 years                                                       Joaquin, Sierra, Solano
    able to pay for only a part of the repairs
  Located in an eligible area (generally less                                                             Eureka       Del Norte, Humboldt       Linda Hunt              707-443-6714 x101 linda.hunt
    than 25,000 in population and not part of        How Do I Apply?
    an urbanized area)                                  Applications are accepted year-round. Contact                                                                      559-276-7494
                                                        your local Rural Development office using the                                              Liz Vannata             Ext. 133            liz.vannata
  To locate eligible rural areas in California        list to the right.
                                                                                                            Fresno       Fresno
                                                                                                                                                   Rebecca Didway          Ext. 139            rebecca.didway
    visit: http://eligibility.sc.egov.usda.gov                                                                                                     Alba Lazaro             Ext. 131            alba.lazaro
                                                                                                                                                                           760-342-4624
How May Funds Be Used?                                                                                                   Los Angeles, Orange,
                                                                                                                                                   Maggie Slater           Ext. 122            magdalena.slater
                                                                                                            Indio        Riverside,
  Assist  people who may not need a new                                                                                San Bernardino
                                                                                                                                                   David Afolayan          Ext. 119            david.afolayan
    house or cannot afford a new house, but                                                                                                        Maria Elena Desamito    Ext. 126            mariaelena.desamito
    need some repairs completed on their                                                                                 Madera, Mariposa,
    present house to bring it up to minimum                                                                                                        Guadalupe Valdes       209-722-4119 x119 guadalupe.valdes
                                                                                                            Merced       Merced, Stanislaus,
    standards                                                                                                                                      Lisandra Lima-Vitorino 209-722-4119 x120 lisandra.vitorino
                                                                                                                         Tuolumne
  Remove health or safety hazards from
                                                                                                                         Glenn, Lassen, Plumas,
    dwellings                                                                                               Redding                              Billie DeMaagd            530-226-2588        billie.demaagd
                                                                                                                         Shasta, Tehama, Trinity
  Grants are limited to $7,500 per applicant
    per lifetime for those 62 or older                                                                                                                                     530-533-4401
                                                                                                                         Butte, Colusa, Sutter,
  The interest rate on the 504 loan is 1%                                                                 Oroville                               Nicole Roldan-Leben     Ext. 110            nicole.roldan
                                                                                                                         Yolo, Yuba
                                                                                                                                                   Frances Parker          Ext. 101            frances.parker
    with up to 20 years in which to repay
                                                                                                                         Alameda, Monterey,                                831-757-5294
                                                                                                                         San Benito, San Mateo, Mark Hultgren              Ext. 104            mark.hultgren
What is the Income Criteria?                                                                                Salinas
                                                                                                                         San Francisco, Santa   Lupe Benavides             Ext. 105            lupe.benavides
  An  applicant’s income determines the type                                                                           Clara, Santa Cruz      Esther Flores              Ext. 102            esther.flores
    of assistance for which he/she is eligible                                                                           Lake, Marin, Mendo-       Jennifer Gooler         707-526-6797 x105 jennifer.gooler
                                                                                                            Santa Rosa
  If income is so low as to permit only                                                                                cino, Napa, Sonoma        Leanne McManus          707-526-6797 x100 leanne.mcmanus
    removal of health and safety hazards, a                                                                              Inyo, Kern, Kings,
    repair loan and/or grant may be available                                                                                                                              559-734-8732
                                                                                                                         San Luis Obispo,
                                                                                                            Visalia                                Stacy Lopez             Ext. 111            stacy.lopez
  For homeowners with somewhat higher                                                                                  Santa Barbara, Tulare,
                                                                                                                                                   Janie Gaxiola           Ext. 115            janie.gaxiola
    incomes, a home improvement loan may be                                                                              Ventura
    possible to bring the house up to minimum                                                                                                                              530-842-6123
    standards                                                                                               Yreka        Modoc, Siskiyou           Richard Stahmann        Ext. 102            richard.stahmann
                                                                                                                                                   Dale Stretz             Ext. 115            dale.stretz



   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                        USDA is an equal opportunity provider, employer and lender.
                                                                              Single Family Housing Program                                                                                             14
                                                                                        Self-Help Housing Program


What is this Program?                                Who May Apply?                                        Questions? Contact Us
 USDA Rural Development partners with hous-
 ing groups to help very low- and low-income
                                                         Public bodies and public or private nonprofit   Bob Anderson, Program Director                    Debbie Morris, State Office Specialist
                                                           corporation with the legal, administrative      530-792-5816 | bob.anderson@ca.usda.gov           530-792-5820 | debbie.morris@ca.usda.gov
 households work in groups of 6-10 and build
                                                           and technical capacity to carry out the                                                                                              Email (all end
 their own homes through the self-help process                                                                Office        Counties Covered              Staff                Phone
                                                           objectives of the program                                                                                                           in ca.usda.gov)
                                                         Applicant organization must show a need
What is the Self-Help Building                             clearly exists and that qualified personnel                      Burbank Housing Development Corporation - 707-526-9782
                                                                                                                       Rural Communities Housing Development Corporation - 707-463-1975
Process?                                                   can be hired to carry out the objectives of a
                                                           technical assistance program                                   Lake, Marin, Mendo-
  Plans  for modest but adequate housing will          Funds are not available from other sources      Santa Rosa
                                                                                                                          cino, Napa, Sonoma
                                                                                                                                                   Leanne McManus        707-526-6797 x100 leanne.mcmanus
    be selected and specifications developed
                                                         Nonprofitcorporations applying must also        Eureka         Del Norte, Humboldt      Linda Hunt            707-443-6714 x101 linda.hunt
  Construction will involve as much on-site             have either:
    work as practicable                                     - Successful experience in the field of self                 Self Help Home Improvement Project (Redding) - 530-378-6900
  Basic plans and construction methods will               help housing                                                 Community Housing Improvement Program, Inc. - 530-891-6931
    be standardized as much as possible                     - A sponsoring organization with this
                                                                                                                          Glenn, Shasta,
  Materials may be purchased on a group                   experience or with proven ability in           Redding
                                                                                                                          Tehama, Trinity
                                                                                                                                                   Billie DeMaagd        530-226-2588       billie.demaagd
    basis                                                   related business fields
                                                                                                                                                                         530-533-4401
  Group will decide how members will share                                                                              Butte, Colusa, Sutter,
                                                                                                           Oroville                                Nicole Roldan-Leben   Ext. 110           nicole.roldan
    labor, how records will be kept of time                                                                               Yuba
                                                     What Uses are Prohibited?                                                                     Frances Parker        Ext. 110           frances.parker
    worked and how labor will be exchanged on
                                                                                                            Community Housing Improvement Systems & Planning Association, Inc.- 831-757-6251
    a basis fair to all members                          Hiring   personnel to perform actual
                                                                                                                                South County Housing - 408-842-9181
  Depending on skills of participants, groups            construction work for households
    may decide to do all the construction, or            Buying real estate, building materials or                      Alameda, Monterey,                             831-757-5294
                                                                                                                                                                                            mark.hultgren
    contract for work that cannot be done                  other property for participants                                San Benito, San         Mark Hultgren          Ext. 104
                                                                                                           Salinas                                                                          lupe.benavides
    easily, such as excavating, installation of                                                                           Francisco, San Mateo,   Lupe Benavides         Ext. 105
                                                                                                                                                                                            esther.flores
    wiring or plumbing and dry wall finishing                                                                             Santa Clara, Santa Cruz Esther Flores          Ext. 102
  Construction will start only after each family   How Do I Apply?
                                                                                                                                   Coachella Valley Housing Coalition - 760-347-3157
    loan has been closed                                Contact a Self-Help Housing Provider near
  Construction of homes will be done in               you.                                               El Centro      Imperial                 Patty Coronado        760-352-4418x109   patty.coronado
    stages. Each stage of construction will be
    finished, if practical, on all homes before         *Please note the counties below do not                            Los Angeles, Orange,
    starting the next stage                             currently have an active self-help program:        Indio          Riverside, San           David Afolayan        760-342-4624x119   david.afolayan
  The construction supervisor, with advice of         Alpine, Amador, Calaveras, Contra Costa, El                       Bernardino
    the group’s president, will divide the group        Dorado, Imperial, Lassen, Modoc, Mono,
                                                                                                                         Peoples’ Self Help Housing Corporation (Visalia) - 805-781-3088
    into teams on the basis of skills,                  Nevada, Placer, Plumas, Sacramento, San
                                                                                                                                       Self Help Enterprises - 559-651-1000
    compatibility and availability                      Joaquin, San Diego, Tuolumne, Stanislaus,
                                                        Sierra, Siskiyou, Solano, Yolo. Please contact                                                                   559-276-7494
  Construction changes cannot be made
                                                        your local Rural Development office to learn                                               Liz Vannata           Ext. 133           liz.vannata
    without prior approval of the USDA Rural                                                               Fresno         Fresno
                                                        about other housing programs available to                                                  Rebecca Didway        Ext. 139           rebecca.didway
    Development coordinator
                                                        you.                                                                                       Alba Lazaro           Ext. 131           alba.lazaro
  Households will move into the new homes
    only after construction of all homes have                                                                             Merced, Mariposa,
                                                                                                           Merced                                  Guadalupe Valdes      209-722-4119x119   guadalupe.valdes
    been completed                                                                                                        Madera

                                                                                                                          Inyo, Kern, Kings, San
                                                                                                                                                                         559-734-8732
                                                                                                                          Luis Obispo, Santa       Stacy Lopez                              stacy.lopez
                                                                                                           Visalia                                                       Ext. 111
                                                                                                                          Barbara, Tulare,         Janie Gaxiola                            janie.gaxiola
                                                                                                                                                                         Ext. 115
                                                                                                                          Ventura


   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                          USDA is an equal opportunity provider, employer and lender.
                                                                               Multi-Family Housing Program                                                                                              15
                                                                                Rural Rental Housing Loan (Sec. 515)


What is this Program?                                What Uses are Prohibited?                              Questions? Contact Us
 USDA Rural Development offers direct loans              Housing   for   temporary     and   transient    Stephen Nnodim, Program Director                  Debra Moretton, State MFH Coordinator
 for the development of affordable rental                  residents                                        530-792-5830 | stephen.nnodim@ca.usda.gov         530-885-6505x109 | debra.moretton@ca.usda.gov
 housing that serves rural areas                         Special care facilities or institutional-type
                                                           homes                                                                                                                         Email (end in
                                                                                                            Office        Counties Covered      Staff                 Phone
Who May Borrow?                                          Facilities which are not in compliance with                                                                                   @ca.usda.gov)
 Individuals, corporations, associations, part-            Rural Development’s design requirements
                                                                                                                                                                      530-885-6505
 nerships, limited partnerships, trusts, public or                                                                        Nevada, Placer,       Michael Pope          Ext. 102           michael.pope
 private     organizations, consumer coopera-                                                               Auburn
                                                                                                                          Sierra                Lorna Lorea           Ext. 100           lorna.lorea
 tives and federally recognized American Indian      How Do I Apply?                                                                            Wanda Thompson        Ext. 110           wanda.thompson
 tribes                                                 For New Loans                                                                                                 661-336-0967
  Applicants must be unable to obtain similar          A Notice of Funding Availability (NOFA) is       Bakersfield
                                                                                                                          Inyo, Kern, Santa
                                                                                                                                                Armando Aparicio      Ext. 135           armando.aparcio
    credit elsewhere at rates that would allow             published in the Federal Register. This                        Barbara, Ventura
                                                                                                                                                Stephanie Burgeis     Ext. 126           stephanie.burgeis
    for rents within the payment ability of                usually occurs on an annual basis for this
    eligible residents                                     program. The NOFA will provide all the                         Alpine, Amador,
  Applicants must have the legal and financial           necessary details for applying including:                      Calaveras, Contra
    ability to carry out the obligations required              - Information applicants must submit         Elk Grove     Costa, El Dorado,     Hector Bautista       916-714-1104x122   hector.bautista
    for the loan                                               - The criteria Rural Development will                      Mono, Sacramento,
  Applicants must be able to maintain,                         use to evaluate and rank applications                    San Joaquin, Solano
    manage, and operate the project for its                    - Deadlines for applying
    intended purpose and in accordance with                    - Address to send in completed               Eureka        Del Norte, Humboldt Sandy Pedrotti          707-443-6713x106   sandra.pedrotti
    Rural       Development’s          program                 Applications
                                                               - Administrative loan limit and availabil-                 Fresno, Madera,                             209-491-9320
                                                                 ity of new construction rental assis-      Modesto       Mariposa, Merced,     Diane Martinez        Ext. 130           diane.martinez
                                                                 tance                                                    Stanislaus            Sara Brookes          Ext. 115           sara.brookes
Who May Live in this                                     A list of designated eligible rural locations                                                              951-656-6800
Housing?                                                   may be obtained from USDA Rural                  Moreno
                                                                                                                          Imperial, Riverside,
                                                                                                                                               Judy Twilley           Ext. 103           judy.twilley
                                                           Development                                                    San Bernardino, San
  Very-low to moderate income families                                                                    Valley                             Marcia Brooks          Ext. 102           marcia.brooks
                                                                                                                          Diego
                                                                                                                                                Marion Windbergmorrow Ext. 108           marion.windbergmorrow
       -Very low income = 50% of the area
                                                        For Subsequent Loans
       median income (AMI) or lower                                                                                       Butte, Colusa,
                                                        Please contact the state MFH Coordinator            Oroville                            Lynne MacIntosh       530-533-4401x104   lynne.macintosh
       -Low income = 50-80% of AMI                                                                                        Sutter, Yolo, Yuba
                                                        directly for more information
       -Moderate income = Capped at $5,500                                                                                Glenn, Lassen,
       above the low-income limit                                                                                         Modoc, Plumas,        Dara Pellow           530-226-2583       dara.pellow
                                                                                                            Redding
  Elderly and persons with disabilities                                                                                 Shasta, Tehama,       Janette Loper         530-226-2587       janette.loper
                                                     Need More Details?                                                   Trinity
                                                        For complete details on this program please                       Alameda, Monterey,
How May Funds Be Used?                                  refer to 7CFR 3560, available on our website:                     San Benito, San
                                                                                                                                                                      831-757-5294
  Construct rental housing                            www.rurdev.usda.gov/ca                                            Francisco, San Luis
                                                                                                            Salinas                             Sylvia Barbosa        Ext. 107           sylvia.barbosa
                                                                                                                          Obispo, San Mateo,
  Purchase and rehabilitate    buildings, not                                                                           Santa Clara, Santa
                                                                                                                                                Lupe Benavides        Ext. 105           lupe.benavides
    previously financed by Rural Development                                                                              Cruz
  Subsequent loans                                                                                                      Lake, Marin,
  Purchase and improve sites                                                                              Santa Rosa    Mendocino, Solano,    Jennifer Gooler       707-526-6797x102   jennifer.gooler
  Develop and install necessary systems                                                                                 Sonoma
  Landscaping and site development                                                                        Visalia       Kings, Tulare         Carol Ernst           559-734-8732x109   carol.ernst
  Tenant-related facilities

   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                         USDA is an equal opportunity provider, employer and lender.
                                                                              Multi-Family Housing Program                                                                                               16
                                                                Guaranteed Rural Rental Housing Loan (GRRH Sec. 538)


What is this Program?                                What is the Typical Size & Type                      Questions? Contact Us
 USDA Rural Development guarantees loans for         of Housing?                                           *This program is administrated centrally within the state. For more information, please contact:
 new construction and rehabilitation of low to
 moderate income rental apartments                       Proposals     for new construction or
                                                           acquisition with rehabilitation of at least                           Stephen Nnodim, Program Director
                                                           $6,500 per unit will be considered                                    530-792-5830 | stephen.nnodim@ca.usda.gov
Who May Borrow?
                                                         Apartment complexes must consist of five                              Edgar Morales, Program Specialist
  Non-profit organization                                or more rental dwelling units                                         530-792-5813 | edgar.morales@ca.usda.gov
  Public bodies                                        Complexes may contain units that are
  For-profit organizations   including limited           detached, semi-detached, row houses or                                Yolanda Hauser, Program Specialist
   partnerships or LLC’s                                   multi-family structures                                               209-491-9320x117| yolanda.hauser@ca.usda.gov
                                                         The proposed housing may exceed the size
                                                           allowances and amenities prohibited under
What Lenders are Eligible?                                 the Sec. 515 Rural Rental Housing Program
  Lenders   currently approved and considered            provided such costs and features are
    eligible for guaranteed loan programs                  generally found in similar housing proposals
    supporting multi-family housing by:                    for similar income families in the market
          - Fannie Mae & Freddie Mac                       area. Such costs, features and amenities
          - Federal Home Loan Bank members                 may include larger units, dishwashers,
          - HUD                                            microwaves and increased community
  Guaranteed loan programs supporting                    spaces
    multi-family housing are considered                  Sec. 538 funds may be used for
    approved lenders, as well as state housing             rehabilitation of an existing Sec. 515
    finance agencies                                       complex

What are the Restrictions?
                                                     How Do I Apply?
  Tenant     income cannot exceed 115% of
    area median income, adjusted for family             A Notice of Funding Availability (NOFA) is
    size                                                published in the Federal Register. This usually
                                                        occurs on an annual basis for this program.
  Rent (including tenant-paid utilities) for any      The NOFA will provide all the necessary details
    unit at initial occupancy cannot exceed             for applying including:
    30% of 115% of area median income,                      - Information applicants must submit
    adjusted for family size                                - The criteria Rural Development will use
  Average rent (including tenant-paid                     to evaluate and rank applications
    utilities) for all units in a project cannot            - Deadlines for applying
    exceed 30% of 100% of area median                       - Address to send in completed
    income                                                  applications

What are Loan Terms/Rates?                           Need More Details?
  Must   be a fixed rate at minimum 25 year           For complete details on this program please
    term                                                refer to 7CFR 3565, available on our website:
  Interest rate will be best rate negotiated          www.rurdev.usda.gov/ca
    between the lender and the applicant
  Up to 40 year amortization available




   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                      USDA is an equal opportunity provider, employer and lender.
                                                                              Multi-Family Housing Program                                                                                              17
                                                                 Farm Labor Housing Loan & Grant (Sec. 514 & Sec. 516)


What is this Program?                                How May Funds Be Used?                             Questions? Contact Us
 USDA Rural Development provides low cost                Project may be constructed in an urban or
 financing for the development of affordable               rural area (providing there is a demon-      Stephen Nnodim, Program Director                    Debra Moretton, State MFH Coordinator
 year-around and migrant/seasonal rental                   strated need)                                530-792-5830 | stephen.nnodim@ca.usda.gov
 housing for “domestic farm laborers”, regard-           Purchase and rehabilitate buildings, not                                                                                     Email (end in
 less of the farm where they work                          previously financed by Rural Development     Office        Counties Covered      Staff                   Phone
                                                                                                                                                                                        @ca.usda.gov)
 *A specific allocation of Sec. 514 loan funds
                                                         Subsequent loans/grants
                                                                                                                                                                    530-885-6505
 for on-farm labor housing are available each            Develop and install necessary systems                      Nevada, Placer,       Michael Pope            Ext. 102            michael.pope
                                                                                                        Auburn
 year and are funded on a first-come, first-             Landscaping and site development                           Sierra                Lorna Lorea             Ext. 100            lorna.lorea
 served basis. Loans are provided to farm                Tenant-related facilities                                                        Wanda Thompson          Ext. 110            wanda.thompson
 owners and associations of farmers to provide
 housing to the farm laborers they employ.                                                                                                                          661-336-0967
                                                                                                                      Inyo, Kern, Santa
 Housing may be constructed in urban or rural                                                           Bakersfield                         Armando Aparicio        Ext. 135            armando.aparcio
                                                     How Do I Apply?                                                  Barbara, Ventura
                                                                                                                                            Stephanie Burgeis       Ext. 126            stephanie.burgeis
 areas, on or off the farm, so long as the
 applicant can justify the need. For more               For New Loans
                                                        A Notice of Funding Availability (NOFA) is                    Alpine, Amador,
 information on the Section 514 On-Farm Loan                                                                          Calaveras, Contra
 Program, please contact the State MFH                  published in the Federal Register. This usu-
                                                        ally occurs on an annual basis for this pro-    Elk Grove     Costa, El Dorado,     Hector Bautista         916-714-1104x122    hector.bautista
 Coordinator directly.                                                                                                Mono, Sacramento,
                                                        gram. The NOFA will provide all the necessary
                                                        details for applying including:                               San Joaquin, Solano
Who May Apply?                                             - Administrative limit for loan/grant and
  Nonprofit      co rporations,     i ncluding             availability of new construction rental    Eureka        Del Norte, Humboldt Sandy Pedrotti            707-443-6713x106    sandra.pedrotti
    cooperatives, public bodies, housing                     assistance
    authorities, federally recognized tribes, and          - Information applicants must submit                       Fresno, Madera,                               209-491-9320
    limited partnerships with a nonprofit                  - The criteria Rural Development will use    Modesto       Mariposa, Merced,     Diane Martinez          Ext. 130            diane.martinez
    general partner                                          to evaluate and rank applications                        Stanislaus            Sara Brookes            Ext. 115            sara.brookes
  Applicant must have sufficient qualifications          - Deadlines for applying                                                                               951-656-6800
                                                           - Address to send completed applications                   Imperial, Riverside,
    and experience to develop and operate                                                               Moreno                             Judy Twilley           Ext. 103              judy.twilley
                                                                                                                      San Bernardino, San
    project; and have a good credit history (no                                                         Valley                             Marcia Brooks          Ext. 102              marcia.brooks
                                                        For Subsequent Loans/Grants                                   Diego
    delinquent Federal debt & no Federal                                                                                                    Marion Windbergmorrow Ext. 108              marion.windbergmorrow
    housing violations)                                 Please contact the state MFH Coordinator
                                                        directly for more information.                                Butte, Colusa,
  Individuals are not eligible                                                                        Oroville                            Lynne MacIntosh         530-533-4401x104    lynne.macintosh
                                                                                                                      Sutter, Yolo, Yuba
                                                                                                                      Glenn, Lassen,
Who May Live in this                                 Need More Details?                                 Redding
                                                                                                                      Modoc, Plumas,        Dara Pellow             530-226-2583        dara.pellow
                                                                                                                      Shasta, Tehama,       Janette Loper           530-226-2587        janette.loper
Housing?                                                For complete details on this program please
                                                                                                                      Trinity
                                                        refer to 7CFR 3560, available on our website:
  Limited to very low, low, or moderate               www.rurdev.usda.gov/ca                                        Alameda, Monterey,
    income household, must be a US citizen or                                                                         San Benito, San
                                                                                                                                                                    831-757-5294
    permanent resident and earn at least                                                                              Francisco, San Luis
                                                                                                        Salinas                             Sylvia Barbosa          Ext. 107            sylvia.barbosa
    $3,835 per year                                                                                                   Obispo, San Mateo,
                                                                                                                                            Lupe Benavides          Ext. 105            lupe.benavides
  Domestic farm labors include retired,                                                                             Santa Clara, Santa
    elderly, and/or disabled                                                                                          Cruz
                                                                                                                      Lake, Marin,
                                                                                                        Santa Rosa    Mendocino, Solano,    Jennifer Gooler         707-526-6797x102    jennifer.gooler
                                                                                                                      Sonoma
                                                                                                        Visalia       Kings, Tulare         Carol Ernst             559-734-8732x109    carol.ernst




   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                     USDA is an equal opportunity provider, employer and lender.
                                                                               Multi-Family Housing Program                                                                                              18
                                                                          Housing Preservation Grant (HPG - Sec. 533)


What is this Program?                                 How are Funds Distributed?                           Questions? Contact Us
 USDA Rural Development provides grants to               USDA   awards grants to sponsoring organi-
 repair programs that improve general living               zations (not individual homeowners) and          *This program is administered centrally within the state. For more information, please contact:
 conditions for housing occupied by low and                the organization works with and provides
 very-low income persons in rural areas                    support to individual homeowners
                                                         Individual homeowners assisted must:                                 Stephen Nnodim, Program Director
Who May Apply?                                                - Meet low or very low income definitions                         530-792-5830 | stephen.nnodim@ca.usda.gov
                                                              - Own the individual dwelling at least one
  Public   or private nonprofit organization,               year prior to the time of assistance                              Debra Moretton, State MFH Coordinator
    public agency or body of any State govern-                - Be the intended occupant of the                                 530-885-6505 x109 | debra.moretton@ca.usda.gov
    ment or commonwealth or federally recog-                  dwelling after repairs are completed
    nized American Indian tribe                          The dwelling must be located in a rural area
  Grantee must have the necessary back-                  or community and be in need of housing
    ground and experience on the part of its               preservation assistance
    staff with proven ability to perform the             Each homeowner is required to submit
    responsibility in the field of low-income
                                                           evidence of income and ownership for the
    rural housing development, repair and
                                                           grantee’s files
    rehabilitation
                                                         Assistance is also available to rental prop-
  Grantees are required to make quarterly                erty owners to repair & rehabilitate units
    progress reports and a final audit on their
                                                           providing they agree to make such units
    accomplishments
                                                           available to low & very-low income persons
                                                         Grants are combined with other programs/
How May Funds Be Used?                                     leveraged funds and distributed as loans,
  Grants   are used by the organization to               grants, or subsidies to individual homeown-
    assist low and very-low income home-                   ers based on a plan listed in the grant
    owners with grants or low interest loans to            application
    repair or rehabilitate homes that do not             Funds must be used within a two-year
    meet decent, safe, sanitary and handi-                 period
    capped accessibility standards. Including
    but not limited to:
       - Installation/repair of sanitary water and
                                                      How Do I Apply?
       waste disposal systems                           A Notice of Funding Availability (NOFA) is
       - Repair/replace heating systems                 published in the Federal Register. This usually
       - Electrical wiring; foundation repair; roof     occurs on an annual basis for this program.
       repair and replacement; insulation               The NOFA will provide all the necessary details
       - Handicap Accessibility features                for applying including:
       - Additions to dwellings to alleviate                  - Information applicants must submit
       overcrowding                                           - The criteria Rural Development will
                                                                use to evaluate and rank applications
  Grants may be used for labor and materials                - Deadlines for applying
    for the needed repairs; and up to 20% of                  - Address to send in completed
    the funds may be used for administrative                  applications
    expenses
                                                      Need More Details?
                                                        For complete details on this program please
                                                        refer to RD Instruction 1944-N, available on
                                                        our website: www.rurdev.usda.gov/ca



   To ensure this information is the most current, please visit our website at www.rurdev.usda.gov                       USDA is an equal opportunity provider, employer and lender.

				
DOCUMENT INFO
Categories:
Tags:
Stats:
views:22
posted:6/16/2012
language:English
pages:19