Rural Development Rural Housing Programs

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1 Rural Develpment Rural Husing Prgrams Lindsey Keyes GRH Prgram Crdinatr

2 SFH Prgrams Sectin 502: Guaranteed Rural Husing Sectin 502: Direct Rural Husing Sectin 504: Hme Repair Lans Sectin 538: Guaranteed Rural Rental Husing Prgram Farm Labr Husing Rural Develpment

3 2014 Husing by the Numbers $417 Millin invested in Illinis 4,150 families helped t purchase their hme r refinance int an affrdable lan 420 very lw incme hmewners assisted with repair lans and grants 7,015 very lw incme husehlds assisted with rent supprt 61% f supprted rental units served the elderly r disabled Rural Develpment

4 Rural Eligibility Husing prgrams are fllwing the 2010 Census Grandfathered in cmmunities up t 35,000 in ppulatin Metrplitan cmmunities have never been eligible unless they were under 10,000 ppulatin Rural Develpment

5 Rural Develpment

6 Rural Develpment

7 Guaranteed Rural Husing Rural Develpment (RD) partners with banks and mrtgage lenders 100% Financing 30 year fixed interest rate Applicants must: Be within the agencies mderate incme limit Purchase a hme in an eligible Rural area RD guarantees the lender up t 90% f their lss Applicants can use the prgram t buy r build Single Family Hme Hmes must meet HUD Handbk standards fr Health r Safety repairs Rural Develpment

8 Direct Rural Husing Federally Funded Lan gives families with very lw and lw incmes the pprtunity t buy, build, rehabilitate, imprve, r relcate dwellings in rural areas. Wh is eligible? Husehlds that meet the lw incme criteria in each cunty Ex: 4 persn husehld in Tazewell Cunty: $55,300 Acceptable Credit Histry Stable and Dependable Incme t Repay the Lan Acceptable debt lan incme within the hme Persnally ccupy the dwelling Be a US citizen r qualified alien Rural Develpment

9 Direct Rural Husing Lan Terms? 33 r 38 year terms Mdest hmes fr the area (typically less than 1,800 s.f.)and be updated t average r better cnditin NO farmsteads, incme prducing structures, acreage large enugh t subdivide, r in-grund swimming pls. Lan amunts apprved up t 100% f the APPRAISED value Hmes may nt exceed the maximum purchase price limitatins fr the cunty it is lcated. Ex: Tazewell Cunty: $169,000 March Interest Rate: 3% Payment Subsidy: Interest rate may be subsidized t qualified applicants, thereby making payments mre affrdable. Rural Develpment

10 Direct Rural Husing Requirement f Existing Hmes Be inspected by an IL licensed hme inspectr Have safe and dependable water and sewage dispsal system Be free f termites and wd destrying insects Have essential repairs apprved and inspected by Rural Develpment and warrantied Wh des an applicant cntact t Apply? Rural Develpment! Rural Develpment

11 Hme Repair Lan & Grants Rural Develpment prvides lans and grants t eligible rural hmewners t imprve r mdernize their hmes, t make them safer and mre sanitary r t remve health and safety hazards. Hw des smene qualify? Made t applicants with very-lw incme Ex: 2 persn husehld in Peria Cunty: $44,250 Acceptable credit histry Ability t repay lan Be a US citizen r permanent resident Own and ccupy the hme Rural Develpment

12 Hme Repair Lan & Grants Eligible Repairs? New Rf New Siding New Windws Fundatin Repairs New Kitchen Cabinets New Septic System New Furnace/AC Other qualifying repairs include thse needed t remve a health hazard frm the hme as well as csmetic imprvements if needed. Rural Develpment

13 Hme Repair Lan & Grant Maximum lan amunt is $20,000 Interest Rate: 1% Lan Term: Up t 20 years Payment Example: Brrw $5,000 frm Rural Develpment fr a new rf at 1% interest fr 20 years yur cst is $23 a mnth Rural Develpment

14 Hme Repair Lan & Grant Grant Qualificatins: Must be 62 years f age r lder Be very lw incme Demnstrate an inability t make lan payments Shw prf f wnership f the hme Agree nt t sell the prperty fr 3 years fllwing the grant Live in an eligible rural area Grant Limitatin: $7,500 limitatin n grant funds Grant funds may be used t remve health r safety hazards and fr accessibility mdificatins Rural Develpment

15 Guaranteed Rural Rental Husing Prgram Eligible lenders prvide financing t qualified brrwers t increase the supply f affrdable rental husing fr lw and mderate incme individuals and families in rural areas. 90% guarantee Incme and Rental limitatins are very generus Published NOFA (clses 12/31/15) First mrtgage is required Wrks well with ther subrdinate financing and husing prducts Permanent Lans, Cnstructin t Permanent r cntinuus guarantee Rural Develpment

16 Farm Labr Husing 1% interest rate / 33 year lan term Farm wner, Crpratin r family farm applies Husing is fr their emplyees (live rent free) Build SFH Residence, Apartment like living r Bunkhuse Interested applicants apply year arund Nn-Prfits: 1% interest rate/ 33 year lan term Grants & Rental Assistance Pssible NOFA shuld be published sn Utilized fr Farm Wrkers & Farm Prcessing Wrkers Rural Develpment

17 Rural Develpment

18 Cntact Us! USDA Rural Develpment Rural Develpment

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