USDA Rural Development Vicki L. Walker Oregon State Director - - PDF document

USDA Rural Development

Vicki L. Walker Oregon State Director

USDA’s Rural Development Mission Area

Rural Housing & Community Facilities Rural Utilities Service Rural Business & Cooperative Service

Program Areas

• Business & Industry Guaranteed Loans
• Rural Business Enterprise Grants
• Rural Business Opportunity Grants
• Intermediary Relending Program
• Rural Energy for America Program
• Value Added Producer Grants
• Cooperative Development Assistance
• Electric Program
• Water & Environmental Programs
• Telecommunications & Broadband Programs
• Homeownership Loans
• Home Repair Loans & Grants
• Mutual Self-Help Technical Assistance

Grants

• Multi-Family Housing Loans
• Housing Preservation Grants
• Community Facility Loans & Grants

USDA Rural Development Housing Assistance

Single Family Housing

• Direct Home Loans
• Home Loan Guarantees
• Home Repair Loans & Grants*
• Mutual Self-Help Housing Technical

Assistance Grants

Multi- Family Housing

• Direct Loans
• Loan Guarantees
• Rental Assistance*
• Farm Labor Direct Loans & Grants
• Housing Preservation &

Revitalization Demonstration Loans & Grants

Housing Programs

*This program has specific eligibility requirements for seniors.

USDA Housing Program Authority

• Housing Act of 1949
• Section 502 (Single Family Housing)
• Section 504 (Single Family Housing)
• Section 514 (Multi-Family Housing)
• Section 515 (Multi-Family Housing)
• Section 516 (Multi-Family Housing)
• Code of Federal Regulations
• Title 7

USDA Rural Development’s Multi-Family Housing Program

Sandy Vista, Sandy Juniper Gardens, Forest Grove Norseman Village, Junction City

Announcement Process

• Notice of Solicitation of Applications

(NOSA)

• Rural Development’s Multi-Family Housing

programs recently began using NOSAs rather than Notices of Funding Availability (NOFAs).

• NOSAs can be published prior to a final

decision on funding as they do not include specific funding limits.

• For up-to-date program application and

funding notices, visit:

www.federalregister.gov

Eligibility Requirements: Multi-Family Housing

Tenants of USDA-financed rental housing must meet the following eligibility requirements:

• Income
• Very-Low Income: 50% of median income for area and household size
• Low Income: 80% of median income for area and household size
• Moderate Income: Up to $5,500 above low income limit for household size

Seacrest Apartments, Bandon

• For senior housing:
• 62 or older
• For accessible housing:
• Is determined to have an impairment that

is expected to be of long-term duration, substantially impedes ability to live independently, and could be improved by more suitable housing conditions; or

• Has a physical or mental impairment that

substantially limits one or more of the individual’s major life activities, a record of such impairment, or is considered as having such an impairment.

Rural Development’s Low-Income Rental Housing Supply*

*FY 2014.

Multi-Family Housing in Oregon Number of Properties Number of Units Rental Assistance Provided All Multi-Family Housing 193 11,285 $19.4 million Senior Housing 75 2,287 $7 million

Astoria Gateway Apartments Sunrise Estates, The Dalles Duck Country Apartments, Linwood

USDA Rental Housing Locations in Oregon

Number of USDA-financed Apartment Complexes per County

Baker: 2 Clackamas: 11 Clatsop: 5 Columbia: 8 Coos: 4 Crook: 1 Curry: 10 Deschutes: 5 Douglas: 12 Grant: 1 Hood River: 6 Multnomah: Jackson: 17 Jefferson: 6 Josephine: 7 Klamath: 4 Lake: 1 Lane: 11 Lincoln: 5 Linn: 8 Malheur: 7 Marion: 12 Morrow: 4 Polk: 2 Tillamook: 6 Umatilla: 7 Union: 3 Wallowa: 4 Wasco: 4 Washington: 8 Yamhill: 11 Harney: Sherman/ Gilliam: Wheeler: Benton:

Rental Assistance

Fiscal Year Units Receiving Rental Assistance Rental Assistance Provided Average Funding per Unit 2013 3,555 $14,855,680 $4,179 2014 4,644 $19,393,344 $4,176 2015* 3,695 $17,115,240 $4,632

* As of April 8, 2015

Sunrise Estates, The Dalles Norseman Village, Cave Junction Juniper Gardens, Forest Grove

A Rural Development Multi-Family Housing Success

Seacrest Apartments

• Program: Multi-Family Housing Loan
• Investment:
• $765,000 in loans
• $78,240 in rental assistance
• Community: Bandon, Oregon
• Population: 3,214
• Home Price (mean): $319,692
• Impact: 20 housing units with rental

assistance for senior and disabled residents preserved

Seacrest Apartments, Bandon Sandy O’Reilly with her dog Chew Chew

USDA Rural Development’s Single Family Housing Programs

Willoria Estates, Gervais

Rural Development’s Single Family Housing Funding*

Program Number of Funding Awards Amount Provided

Single Family Housing Loans 55 $4.41 million Single Family Housing Loan Guarantees 24 $2.13 million Single Family Housing Grants *Provided to seniors only 34 $183,505 * FY 2014

Single Family Housing Programs for Seniors

Program Purpose How the Program Works

Single Family Housing Direct Home Loans (Section 502) Provide a path to homeownership for low-and very-low-income families living in rural areas. Helps low- and very-low-income applicants obtain adequate, safe housing in eligible rural areas by providing payment assistance (a type

• f subsidy that reduces the mortgage payment for a short time) to

increase an applicant’s repayment ability. Single Family Housing Guaranteed Loan Program (Section 502) Help lenders work with low- and moderate-income families living in rural areas to make homeownership a reality. Assists approved lenders in providing low- and moderate-income households the opportunity to own adequate and safe dwellings as their primary residence in eligible rural areas. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural homebuyers. Single Family Housing Repair Loans and Grants (Section 504) Help people stay in their home and keep it in good repair. Provides loans to very-low-income homeowners to repair, improve, or modernize their home; or provides grants to elderly very-low-income homeowners to remove health and safety hazards. Mutual Self- Help Housing Technical Assistance Grants (Section 504) Help very-low- and low- income families get affordable, clean, and safe homes of their own in rural areas. Provides grants to qualified organizations to help them carry out local self-help housing construction projects. Grant recipients supervise groups of very-low- and low-income individuals and families as they construct their own homes in rural areas. The group members provide most of the construction labor on each other’s homes, with technical assistance from the organization overseeing the project.

All Single Family Housing programs are open to eligible very-low- and low- income borrowers of any age, including seniors.

Single Family Housing Programs for Seniors

Home Repair Grant (Section 504)

Purpose: Remove health and safety hazards in home Age Requirement: 62 or older Maximum Grant Amount: $7,500 (lifetime limit) Eligibility Requirements:

• Must own home in eligible rural area
• Must earn below 50% of the median county income limit
• Must not have repayment ability for a Housing Repair Loan

Green Heights Subdivision, Lafayette

Willoria Estates, Gervais

Green Heights Subdivision, Lafayette

A Rural Development Single Family Housing Success

• Program: Section 502 Direct Home Loan Program
• Amount: $210,000 loan
• Date: June 2012
• Community: Redmond
• Impact: Senior caring for

three grandchildren was able to purchase a home.

Ariel Waddington and her three grandchildren outside their new home in Redmond

A Rural Development Single Family Housing Success

• Program: Section 504 Single Family Housing Repair Program
• Amount: $6,846 grant
• Date: September 2014
• Community: Warm Springs
• Partners: Warm Springs

Tribal Credit Enterprise

• Impact: Tribal elder with the

Confederated Tribes of Warm Springs was able to remain in home of 50 years through removal of health and safety hazards.

Marilyn Wagner outside her newly renovated home in Warm Springs

Collaborative Partnerships

Examples of Working with State & Local Partners

ReHome Oregon Signing Ceremony

• Department of Environmental

Quality & Neighbor Impact partnership to help low-income homeowners replace dilapidated or outdated wood stoves in Crook County

• ReHome Oregon partnership to

address health and safety issues with substandard and

• bsolete manufactured homes

in high poverty areas.

Contact Us

1201 NE Lloyd Blvd Suite 801 Portland, Oregon 97232 (503) 414-3300 Vicki Walker, State Director (503) 414-3305, vicki.walker@or.usda.gov Ramona Mitchell, Multi-Family Housing Program Director (503) 414-3310, ramona.Mitchell@or.usda.gov Rod Hansen, Single Family Housing Program Director (503) 414-3353, rod.Hansen@or.usda.gov

Rural Development

Multi-Family Housing Programs Single Family Housing Programs

http://www.rd.usda.gov/or

USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., S.W., Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users).