Posts tagged: Direct Housing Loans
Written by Adam Czech, Public Information CoordinatorThere’s a unique story behind each home loan and home repair project financed by USDA Rural Development in Minnesota. On June 9, State Director Colleen Landkamer and her staff visited three homeowners to celebrate June Homeownership Month and learn more about their stories.
“I think it is amazing how many people we are able to help become home owners and remain in their homes each year through our programs,” Landkamer said. “Visiting with the people that use our programs really highlights the importance of home ownership in strengthening our rural communities.”
Landkamer and staff were joined at each home by staff from Congressman Collin Peterson’s office. Each home owner received an American flag that flew above the U.S. Capital as a gift from Congressman Peterson.
Below is a brief recap of what makes each person’s story unique.
After almost 10 years of renting, Melissa Miller is finally a home owner. Melissa, along with her two children moved into her first home in Brandon, Minn., in late April using a USDA Rural Development direct home loan.
“I never dreamed I would own a home,” Miller said. “It’s still kind of surreal, but we did it.”
Melissa put herself through school and works two jobs to support her family. Rural Development partnered with the West Central Minnesota Community Action agency to build Miller’s home. “Right now I am loving life,” Melissa said. “Being a home owner means a lot to me and I couldn’t be happier.”
Jessica Botten’s daughter McKenna, 5, had just one request after moving into her new home: She wanted a pink room.
Jessica closed on her home in Alexandria, Minn., on Dec. 10. A phlebotomist at a nearby clinic, Jessica previously rented an apartment next to a motor racing track, not exactly the most peaceful location to live.
“The home is ideal for McKenna and I,” she said. “She can play in our yard, there’s more room for her toys. I really feel like I’m home now.”
And, yes, she was able to paint McKenna’s room pink.
Dorcella Hagen keeps a guest book in her home in Cyrus, Minn., so she will always remember who came to visit her. One night after a dinner party, one of her guests noticed a moisture spot on her ceiling. It turned out that Dorcella’s roof needed to be replaced.
On a fixed income after a car accident left her disabled, Dorcella used Rural Development’s home repair program to fix her roof, remove the moisture from her ceiling and stay in the home she’s owned since 1994.
“When I told people that some folks from the USDA were going to come visit me today, they wondered why I was having meat inspectors to my house,” Dorcella said. “I told them the USDA works with housing, too. And I couldn’t be more grateful for the program.”
For more information about USDA’s home loan programs click here.
New homeowner Melissa Miller (Left) and Colleen Landkamer, State Director, USDA Rural Development, celebrate Miller’s accomplishment.
When Lela Bunch talks about the prospect of building a new home so she and her children can have a place of their own and more living space, you can hear the excitement in her voice.
Between deciding what trees to plant and selecting new furnishings and appliances, it is clear how much the prospect of owning a home means to her.
And it should, it’s been a long time coming.
Lela Bunch is no ordinary woman – she is building her first home at the age of 94. Currently, she and her daughter, Lee Meadors, rent a trailer in a neatly manicured mobile home park in Laurel County, Ky. Although they like where they live, Bunch says it just isn’t the same as living in a home of your own with a yard and some measure of privacy.
She has always been a renter and finally decided the time was right to build a home of her own close to her family’s homestead – very near the house where she was born and raised, which remains standing today. Being close to her parents’ burial site in a cemetery near the building site was one reason she opted for new construction rather than the purchase an existing home. “This was very important to me. I had a tough time finding a place where I wanted to live, so I thought it was best to build a house,” said Bunch. “I’ve already picked out the dogwood trees.”
She will celebrate her 95th birthday very near the time construction is finished on the new family home. Clearing of the construction site will start the week of April 5, 2010, and the house should be finished in three to four months.
When asked what she planned to do to celebrate once the house is finished, Bunch didn’t hesitate: “I told the contractor I’m going to have a dancing party!”
Bunch said it was a neighbor that told her about a housing program through Daniel Boone Community Action Agency (DBCAA), which partners with the United States Department of Agriculture (USDA) Rural Development to provide direct housing loans to limited-income residents of rural communities.
She began the process two years ago, and now that her lifelong dream is about to come true, she could not be happier.
She said although the process has taken some time, it was very easy and worth all the effort.
“I’m just waiting for the house to be ready and I can’t wait to move in,” said Bunch.
Her daughter agreed, “She talks about it every day – she is so happy.”
Written by Katherine Belcher, Public Information Coordinator, USDA Rural Development, Kentucky