Catalog of Loans, Grants and Technical Assistance USDA Rural Development California State Office 430 G Street, Agency 4169 Davis, CA 95616 (530) 792-5800 (530) 792-5837 fax (530) 792-5848 TDD www.rurdev.usda.gov/ca State Director Glenda Humiston (530) 792-5800 Administrative Program Director Rita Medina (530) 792-5833 Business & Cooperative Program Director Chuck Clendenin (530) 792-5825 Community Programs Director Janice Waddell (530) 792-5810 Multi-Family Housing Program Director Stephen Nnodim (530) 792-5830 Single Family Housing Program Director Bob Anderson (530) 792-5816 Public Information Coordinator Sarah Pursley (530) 792-5801 Business and Cooperative Programs USDA Rural Development’s Rural Business and Cooperative programs deliver a variety of assistance to rural businesses and communities. All of them work in financial partnership with local economic organizations - banks and lenders, economic development groups, local revolving loan funds, universities, cities, counties, tribes, and cooperatives. USDA PURPOSE ELIGIBLE PROGRAM ELIGIBLE AUTHORIZED TYPICAL RATES AND KEYS WHEN WHO PROGRAM APPLICANTS TYPE AREAS PURPOSES FUNDING TERMS TO TO TO Program goal SUCCESS APPLY CONTACT Who can apply How it Rural Use of funds Rates can works population change Business All rural areas The loans guaranteed Lender-driven: there must Local banks Negotiated and Industry Creates incentive Rural business USDA other than cities can be used for real between business be a bank willing to make and business Loan for business guarantees of more than estate, equipment, $1 million - the loan - (USDA only lenders or owners, banks and and lender - fixed Year-round lending that saves business loans 50,000 population working capital, and $10 million guarantees the loan) - USDA Rural Guarantee and creates jobs commercial lenders made by banks and their adjacent refinancing - for or variable rates business must have strong Development with no balloons urbanized areas nonfarm businesses equity and collateral State Office Intermediary The loans must be Capitalizes USDA loans Maximum used to set up a loan Relending locally-run money to a Unincorporated program to make $750,000 1%, 30 years to Funding is limited, so Year-round Program revolving loan local revolving loans to re- with quarterly USDA Rural areas with less business loans for real relender these loans tend to go only (IRP) programs for loan fund for lenders for competition Development than 25,000 estate, equipment, for rural business to loan funds that will small businesses relending to business at national State Office population working capital, and loans serve the neediest areas unable to qualify Nonprofit economic nonfarm loans up to level refinancing - for for bank financing development businesses $150,000 nonfarm businesses groups, tribes and Rural public bodies USDA makes The grant can be used Supports (e.g. cities or grants to local Funding is limited, so Business community economic to set up a revolving these grants tend to go counties) loan fund, provide Once a year USDA Rural Enterprise economic development only to the neediest areas All rural areas technical assistance to $25,000 - with annual Development Grant development programs that other than cities businesses, develop $100,000 - grant funds cannot be competition Local or State (RBEG) programs that will support non- used for regional planning of more than infrastructure, provide at state level Office assist small farm or business attraction 50,000 population job training, or do a businesses businesses projects and their adjacent feasibility study urbanized areas Rural USDA makes Universities and grants to Grants are used to Cooperative Supports centers nonprofit economic centers for operate centers that Funding is limited, so Development to assist these grants tend to go development rural assist rural cooperatives only to the neediest areas Grant groups cooperative cooperatives (RCDG) development Producers, farmer Value Added:1) change $50,000 - Value Added USDA makes $300,000 Grant and rancher in product physical Producer Help producer- cooperatives, grants for state 2) differentiated Grants value added owned business agricultural production or Priority given to products (VAPG) activities; No limitations Annual ventures add producer groups, marketing 3) product producing bio-energy either planning competition value to products and producer- segregation or working at national based business 4) product produces capital level ventures renewable energy Renewable USDA makes USDA Rural Energy and grants to Development purchase Efficiency renewable State Office Grant Eligible renewable $2,500 - energy $500,000 Program systems and to energy projects include (Farm Bill - To purchase make energy those for which energy The more cost effective All rural areas Section 9006) renewable energy efficiency is derived from wind, the project will be and the other than cities systems and Farmers, ranchers, improvements solar, biomass, more eligible matching of more than make energy and rural business geothermal, or for funds the applicant Renewable 50,000 population efficiency owners USDA makes which hydrogen is provides, the more and their adjacent Energy and improvements loan guarantee derived from biomass competitive the application urbanized area to purchase or water using the will be Efficiency renewable previously stated Not to exceed 50% Loan Not to exceed Year-round energy energy sources of total eligible $10 million Guarantee systems and to project cost Program make energy (Farm Bill - efficiency Section 9006) improvements Community Programs USDA Rural Development delivers a variety of assistance to rural communities. Some involve direct assistance by USDA, while others work through local partnerships USDA PURPOSE ELIGIBLE PROGRAM ELIGIBLE AUTHORIZED TYPICAL RATES AND KEYS WHEN WHO PROGRAM APPLICANTS TYPE AREAS PURPOSES FUNDING TERMS TO TO TO SUCCESS APPLY CONTACT Program goal Who can apply How it Rural Use of funds Rates can works population change Community Facilities Guaranteed The loans guaranteed can be used for real Loan Provide an Banks and other Lender-driven: there must estate and equipment - (CF Guarantee ) incentive for commercial lenders be a bank willing to make USDA types of projects Negotiated Local banks or commercial to make loans to the loan - (USDA only guarantees include clinics, $100,000 - between borrower USDA Rural lending that will nonprofits, tribes, guarantees the loan) - loans made by hospitals, public $6 million and lender - fixed Development develop essential and public bodies typically, only nonprofit banks buildings, day care or variable rates State Office community (e.g., cities or borrowers qualify for CF centers, fire stations, facilities counties) guarantees fire trucks, and recreational facilities Cities, towns, Community unincorporated Facilities areas with less Direct Loan than 20,000 The loan must be fully Develop essential (CF Direct ) population $100,000 - 4.5%-5.5% fixed; secured by a lien on the community $2 million 40 years maximum property financed or by a facilities Year-round pledge of tax revenues Nonprofits, tribes, and public bodies Community Help communities (e.g., cities or The loans or grants can Facilities counties) USDA makes be used for real estate that cannot loans and and equipment - types Grant qualify for a CF of projects include loan pay for the grants to USDA Rural (CF Grant ) clinics, hospitals, public cost of developing develop Development essential buildings, day care Local Offices essential community centers, and fire community May pay for 15-75% of the facilities stations or fire trucks facilities project cost depending on $15,000 - Grant the community’s Economic $40,000 population and median Impact Help communities household income that have not Initiative employed rates in (EII) excess of 19.5% develop essential community facilities Distance The funds can be used Learning and Support the for initial capital and Fixed based on 15% of grant amount Once a year Telemedicine hardware costs that will $50,000- USDA Rural development of Schools, libraries, USDA makes Government cost of required in non-federal with annual enhance $300,000 for Development Loan and telemedicine and nonprofit hospitals, loans and funds; matching funds - grants competition telecommunication grants - no State Office distance learning clinics, and tribes grants 10 years and/or are only made available to at national Grant systems capabilities for either limit for loans Grant the neediest applicants level (DLT) public education or medical purposes Community Programs USDA Rural Development delivers a variety of assistance to rural communities. Some involve direct assistance by USDA, while others work through local partnerships USDA PURPOSE ELIGIBLE PROGRAM ELIGIBLE AUTHORIZED TYPICAL RATES AND KEYS WHEN WHO PROGRAM APPLICANTS TYPE AREAS PURPOSES FUNDING TERMS TO TO TO SUCCESS APPLY CONTACT Program goal Who can apply How it Rural Use of funds Rates can works population change Water and Waste USDA makes Loans must be fully Develops and Disposal repairs water, loans Cities, towns, secured by revenues or Loan and (sometimes unincorporated Loans: below assessments - grants sewer, storm $1 million - with grants) for areas with less market, fixed, 40 focus on neediest Grant (WWD drainage, and water and than 10,000 $3 million years, also grants applicants, depending on Loan and Grant ) solid waste Eligible projects include waste disposal population population, income, and systems Public bodies, water, sewer, solid facilities health factors tribes, and waste and storm nonprofits (cities, drainage systems - water districts, both new and repair Colonias and mutual water projects - for domestic Native Helps especially companies) Designated and industrial users needy border and American Native American USDA makes “Colonias” within (excludes irrigation) Grant amount depends on Grants grants for 150 miles of US- communities pay $100,000 - community population, water and Mexico Border Grant Year-round for all or part of $500,000 income, and health and waste disposal and Native the cost of water safety factors facilities American and waste communities disposal facilities Broadband Loan Loans for cost of Any rural construction, community that is Corporations, improvement, and USDA makes an incorporated Direct cost of Applicant must present a limited liability co., To provide broadband USDA Rural acquisition of loans for or unincorporated $11 million - money to good business plan and cooperatives, tribes service Development facilities and broadband place in the $80 million government. Below have a 20% credit support and public bodies Local Offices equipment for facilities United States with market rates broadband less than 20,000 services in population Community Any rural community that Connect has no existing Grants residential broadband service whose population is less Incorporated than 20,000. The Grants for cost of organization, tribe applicant must Applicant must Applicants should show Once a year construction of or tribal USDA makes provide To provide broadband provide a 15% proof of community with annual facilities and organization, grants for broadband services to both $200,000 - matching cost or support and involvement. competition equipment for cooperatives, broadband service to all residential and $2 million equivalent in kind Applicants are only made at national broadband limited liability co. facilities critical facilities businesses equipment. to the neediest level services state and local and establish a communities government community center with 10 computers offering free high speed internet (200Khz or greater) to the community Single Family Housing Programs USDA Rural Development’s Single Family Housing programs deliver a variety of assistance to support the housing needs of rural people. Most involve direct assistance by USDA, while others work through local partnerships. USDA PURPOSE ELIGIBLE PROGRAM ELIGIBLE AUTHORIZED TYPICAL RATES AND KEYS WHEN WHO PROGRAM APPLICANTS TYPE AREAS PURPOSES FUNDING TERMS TO TO TO SUCCESS APPLY CONTACT Program goal Who can apply How it Rural Use of funds Rates can works population Change Single Family $90,000- 5.0% fixed Applicants must have Housing Creates option for $190,000; up USDA makes (or lower if good credit and stable USDA Rural low income Low and very low to 100% of Direct Loan people to buy a income people loan to home- the market subsidized); income adequate to repay Development (502 Loan) buyers 33-38 years the loan - Self-Help Local Offices modest home value of the program available home Single Family Enhances ability USDA Mortgage lender’s Housing of mortgage $90,000- Mortgage lender loans Participating participates loan is fixed; 30 lenders to make $190,000; up 20+% of purchase price; mortgage Participation loans so low- with a local Buy and perform to 100% of years; USDA’s is USDA loans the rest - lender, or Loan Low income people mortgage 5.0% fixed income people needed repairs on new the market applicants must have good USDA Rural lender in (or lower if (502 Participation) have option to or existing homes - value of the credit and stable income Development financing a subsidized); buy a modest 100% financing - no home adequate to repay the loan Local Office home 33-38 years home down payment required Single Family Housing Unincorporated Lender-driven: participant Creates incentive USDA Mortgage lender’s Participating areas, cities with $290,000; lenders make the loan - Guaranteed for mortgage Mortgage lenders guarantees less than10,000 up to 100% of interest rate is (USDA guarantees the mortgage Loan lender to make making loans to home loan negotiated but is lender, or population, and the market loan) - applicants need (502 Guarantee) home loans to low low and moderate made by fixed; 30 years; USDA Rural some cities with value of the good credit, stable income Year-round and moderate income people mortgage guarantee fee Development less than 25,000 home adequate for loan income people lenders applies State Office population and repayment not part of an urban area Single Family Housing Applicant must have Repair Loan Modernizes or USDA makes Very low income limited resources and be repairs a modest loan to home $20,000 1%, 20 year (504 Loan) people unable to get credit home owners elsewhere Install or repair water or sewer hook-ups, USDA Rural Single roofing, insulation, Development Family other improvements or Local Offices to repair basic defects Housing Rehabilitates Grant recipient Repair Grant substandard Very low income USDA gives must live in Applicant must have (504 Grant) people who are 62 limited resources - 504 housing to a safe, grant to home $7,500 dwelling 3 years years of age or Grant and Loan may be decent and owners after the grant is older combined sanitary condition made Multi-Family Housing Programs USDA Rural Development’s Multi-Family Housing programs deliver a variety of assistance to support the housing needs of rural communities. Most involve direct assistance by USDA, while others work through local partnerships. This section includes Farm Labor Housing and Housing Preservation programs. USDA PURPOSE ELIGIBLE PROGRAM ELIGIBLE AUTHORIZED TYPICAL RATES AND KEYS WHEN WHO PROGRAM APPLICANTS TYPE AREAS PURPOSES FUNDING TERMS TO TO TO SUCCESS APPLY CONTACT Program goal Who can apply How it Rural Use of funds Rates can works population Change Rural Rental Individuals, Housing Direct Develops new corporations, rental or associations, Colonia, tribal Once a year Loan cooperative partnerships, land, EZ, EC or 1% fixed (using with annual (515 Loan) USDA makes Develop new rental $1,000,000 interest credit); housing and trusts, tribes, public REAP zones, Limited funding competition direct loan housing maximum 30 years with 50- related facilities or private California list of at national year amortization for low income organizations, designated places level tenants consumer cooperatives Guaranteed Creates A legal citizen of Cities, counties Negotiated Lender-driven: Lender Rural Rental incentives and the United States, and areas with between borrower must be willing to make shares in the risks a non-profit, for- Loans for new Housing Loan for commercial profit entity, banks USDA less than 10,000 construction, purchase No maximum and lender. (USDA the loan - (USDA’s (GRRH 538 Loan) population and may provide Guarantee serves as an Year-round lenders to and other lenders guarantees the and rehabilitation/ or minimum some cities and interest credit to enhancement to the develop/repair making loans to lenders loan renovation of existing amount areas with less reduce the effective lenders loan increasing the apartments for developers, tribes apartments than 25,000 interest rate) borrowers ability to obtain low and moderate or public agencies population favorable loan terms) income tenants Farm Labor $3 million maximum Housing Direct To increase the (total loan Loan and/or Competitive program, number of Nonprofit limited Construction of new off- and grant). Loan- 1% fixed; 33 USDA may provide tenant Grant for Off- available off-farm partnerships with USDA makes farm FLH units and Limited years specific rental assistance Farm Housing housing units for NP GP, non-profits, direct loan No restriction related facilities for partnerships and/or operating year-round and tribes, public and/or grant year-round and migrant with NP GP (514/516 Loan and Grant- 33 years assistance for eligible migrant domestic agencies domestic farm laborers are not Grant) projects USDA Rural farm laborers eligible for Development Section 516 State Office Grants Housing Supports repair and rehab Once a year Preservation programs that with annual Grant correct safety and competition (HPG 533 Grant) health hazards, at national comply with Any program that offers level Rural areas, cities development USDA makes affordable assistance with less Competitive program - standards or grant to (loans, grants, Nonprofits, tribes, than10,000 preference is given to codes, or needed support local subsidies, technical $60,000 - and public population and Grant projects with matching repairs to improve housing assistance, etc.) to $150,000 agencies some cities with funds and targeting very general living rehabilitation repair low income less than 5,000 low income rural persons conditions for projects housing population housing or rental properties occupied by very low and low income rural persons Farm Labor Housing Loan Maximum Provide housing Individual farmers, Construction of new on- loan is 100% Non-competitive program. for On-Farm for both year- farm partnerships, farm housing or USDA makes of total Projects funded on a first- round and farm corporations No restriction acquisition and 1% fixed; 33 years Year-round Housing migrant domestic and farm direct loan rehabilitation of existing project come, first-serve basis (514 Loan) development until funds are exhausted farm laborers associations on-farm housing costs Special Initiatives in California USDA Rural Development has established a number of special initiatives to target its assistance to rural communities with the greatest need. Description Assistance / Contact Colonias Communities Multi-Family and Single Family housing and utilities development assistance for USDA gives higher priority in allocating these program funds - contact USDA “Colonias” within 150 miles of US - Mexico border Rural Development local offices Empowerment Zone / Enterprise Community Multi-program assistance for competitively selected communities demonstrating USDA devotes funds in nearly every program to assist EZ/EC communities - (EZ/EC) superior cooperation, planning and vision - rural EZ/ECs are in Fresno and Tulare contact Violet Gomes at 831-757-5294 Counties and eastern Riverside County Champion Communities (CC) Multi-program assistance for EZ/EC applicant communities that were not selected but USDA gives Champion Communities priority in allocating rural program funds are continuing to work toward their vision - contact Violet Gomes at 831-757-5294 Self-Help Housing Program Low and very low-income applicants participate with their neighbors in the construction Significant 502 loan funds are reserved for Self-Help subdivisions every year - (Self-Help) of their homes, fostering pride-of-ownership while reducing their home loans to a more contact Bob Anderson at 530-792-5816 affordable level Community Adjustment and Investment Initiative Supplemental USDA business program funding for counties suffering job losses from Extra B&I Guaranteed Loan funds are available to support business projects in (CAIP) NAFTA (North American Free Trade Agreement) these designated areas - contact Larry Strong at 530-885-6505 ext. 4 First Responder Initiative Grants available for real estate and equipment for homeland security, public safety, fire USDA gives priority to first responder projects - contact USDA Rural protection and healthcare Development local offices Faith-Based Community Initiative Faith-based organizations receive equal treatment when competing for federal funding USDA gives equal treatment to faith-based organizations - contact USDA (FBCI) opportunities Rural Development local offices Offices USDA Rural Development - California Office: Address (city is office): Phone: Fax: Area I: Glenn, Lassen, Modoc, Plumas, Shasta, Siskiyou, Tehama, Trinity Counties Roger J. Trindade, Area Director (530) 226-2560 x4 (530) 226-2567 Redding Area Office 3644 Avtech Parkway, Suite A, 96002-9241 (530) 226-2560 (530) 226-2567 Alturas 808 West 12th Street, 96101-3211 (530) 233-4615 (530) 233-8869 Yreka 215 Executive Court, Suite. B 96097-2692 (530) 842-6123 x4 (530) 842-1027 Area 2: Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, El Dorado, Mono, Nevada, Placer, Sacramento, San Joaquin, Sierra, Solano, Sutter, Yolo, Yuba Counties Ron Tackett, Area Director (530) 533-4401 x4 (530) 533-4936 Oroville Area Office 150-D Chuck Yeager Way, 95965-5791 (530) 533-4401 x4 (530) 533-4936 Auburn 251 Auburn Ravine Rd., Ste. 107, 95603 (530) 885-7081 x4 (530) 823-5504 Elk Grove 9701 Dino Dr., Ste. 170, 95624-4042 (916) 714-1104 x4 (916) 714-1118 Area 3: Alameda, Del Norte, Humboldt, Lake, Marin, Mendocino, Monterey, Napa, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz, Sonoma Counties Al Aiello, Area Director (707) 526-6797 x4 (707) 526-8942 Santa Rosa Area Office 777 Sonoma Ave., E St. Annex, 95404 (707) 526-6797 x4 (707) 526-8942 Eureka 5630 South Broadway, 95503-2027 (707) 443-6714 x4 (707) 442-7514 Salinas 744-A La Guardia St., 93905 (831) 757-5294 x4 (831) 424-7289 Area 4: Fresno, Madera, Mariposa, Merced, Stanislaus, Tuolumne Counties Richard Brassfield, Area Director (559) 276-7494 x4 (559) 276-1791 Fresno Area Office 4625 W. Jennifer St., Ste. 126, 93722 (559) 276-7494 x4 (559) 276-1791 Merced 2135 Wardrobe Ave., Ste. A, 95340-6490 (209) 722-4119 x4 (209) 725-2964 Modesto 3800 Cornucopia Way, Ste. E 95358 (209) 491-9320 x4 (209) 491-9331 Area 5: Inyo, Kern, Kings, San Luis Obispo, Santa Barbara, Tulare, Ventura Counties Mike Carnes, Area Director (559) 734-8732 x4 (559) 732-3481 Visalia Area Office 3530 W. Orchard Ct., 93277-7360 (559) 734-8732 x4 (559) 732-3481 Bakersfield 1601 New Stine Rd., Ste. 280, 93309-3698 (661) 336-0967 x4 (661) 336-0857 Santa Maria 920 E. Stowell Road, 93454-7008 (805) 928-5340 x4 (805) 928-9644 Area 6: Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego Counties John Jebian, Area Director (760) 342-4624 x4 (559) 347-4074 Indio Area Office 82-901 Bliss Ave., 92201 (760) 342-4624 x4 (760) 347-4074 El Centro 177 N. Imperial Ave., 92243-2808 (760) 352-4418 x4 (760) 352-0219 Moreno Valley 22690 Cactus Ave., Ste. 280, CA 92553-9035 (951) 656-6800 (951) 656-0094 "The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual's income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA's TARGET Center at (202) 720-2600 (voice and TDD). To file a complaint of discrimination write to USDA, Director, Office of Civil Rights, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410 or call (800) 795-3272 (voice) or (202) 720-6382 (TDD). USDA is an equal opportunity provider and employer."
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