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 • Homeownership Loans • Home Repair Loans & Grants Rural Housing • Mutual Self-Help Technical Assistance & Community Grants • Multi-Family Housing Loans Facilities • Housing Preservation Grants • Community Facility Loans & Grants Program • Electric Program Rural Utilities • Water & Environmental Programs Areas • Telecommunications & Broadband Programs Service • Business & Industry Guaranteed Loans • Rural Business Enterprise Grants • Rural Business Opportunity Grants Rural Business • Intermediary Relending Program & Cooperative • Rural Energy for America Program Service • Value Added Producer Grants • Cooperative Development Assistance

USDA Rural Development Housing Assistance • Direct Home Loans Single • Home Loan Guarantees Family • Home Repair Loans & Grants* Housing • Mutual Self-Help Housing Technical Assistance Grants Housing Programs • Direct Loans • Loan Guarantees Multi- • Rental Assistance* Family • Farm Labor Direct Loans & Grants Housing • Housing Preservation & Revitalization Demonstration Loans & Grants *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 Juniper Gardens, Forest Grove Norseman Village, Junction City Sandy Vista, Sandy 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 • For senior housing: • 62 or older Seacrest Apartments, Bandon • 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 * Rental Multi-Family Housing Number of Number of Assistance in Oregon Properties Units Provided All Multi-Family Housing 193 11,285 $19.4 million Senior Housing 75 2,287 $7 million *FY 2014. Sunrise Estates, The Dalles Duck Country Apartments, Astoria Gateway Apartments Linwood

USDA Rental Housing Locations in Oregon Number of USDA-financed Apartment Complexes per County Columbia: Sherman/ Hood River: Clatsop: 8 6 Gilliam: Multnomah: 5 0 0 Umatilla: Washington: Wallowa: Tillamook: 7 8 4 6 Morrow: Yamhill: Union: Clackamas: 4 11 3 11 Wasco: Marion: Polk: 4 12 2 Baker: Wheeler: Lincoln: Jefferson: 2 0 5 Benton: Linn: Grant: 6 8 0 1 Crook: 1 Lane: Deschutes: 11 5 Malheur: Harney: Coos: 7 Douglas: Lake: 0 4 12 1 Curry: Jackson: Klamath: Josephine: 10 17 4 7 Rental Assistance Units Receiving Rental Average Fiscal Rental Assistance Funding per Year Assistance Provided 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, Norseman Village, Juniper Gardens, The Dalles Cave Junction 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* Number of Program Amount Provided Funding Awards Single Family Housing Loans 55 $4.41 million Single Family Housing Loan 24 $2.13 million Guarantees Single Family Housing Grants 34 $183,505 *Provided to seniors only * FY 2014 Single Family Housing Programs for Seniors All Single Family Housing programs are open to eligible very-low- and low- income borrowers of any age, including seniors. Program Purpose How the Program Works Single Family Provide a path to Helps low- and very-low-income applicants obtain adequate, safe Housing Direct homeownership for low-and housing in eligible rural areas by providing payment assistance (a type Home Loans very-low-income families of subsidy that reduces the mortgage payment for a short time) to (Section 502) living in rural areas. increase an applicant’s repayment ability. Single Family Help lenders work with low- Assists approved lenders in providing low- and moderate-income Housing and moderate-income households the opportunity to own adequate and safe dwellings as Guaranteed families living in rural areas their primary residence in eligible rural areas. The program provides a Loan Program to make homeownership a 90% loan note guarantee to approved lenders in order to reduce the (Section 502) reality. risk of extending 100% loans to eligible rural homebuyers. Single Family Help people stay in their Provides loans to very-low-income homeowners to repair, improve, or Housing Repair home and keep it in good modernize their home; or provides grants to elderly very-low-income repair. homeowners to remove health and safety hazards. Loans and Grants (Section 504) Help very-low- and low- Provides grants to qualified organizations to help them carry out local Mutual Self- Help Housing income families get self-help housing construction projects. Grant recipients supervise Technical affordable, clean, and safe groups of very-low- and low-income individuals and families as they Assistance homes of their own in rural construct their own homes in rural areas. The group members provide Grants areas. most of the construction labor on each other’s homes, with technical (Section 504) assistance from the organization overseeing the project.

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 Green Heights Subdivision, Willoria Estates, Lafayette Gervais 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 • 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 obsolete manufactured homes ReHome Oregon Signing Ceremony 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).