There’s power in unity and it’s always a great thing to see small communities come together to discuss ways of improving the places they call home. If we join forces, a lot can happen – and it all starts with a vision.
Speaking with the individuals of rural areas and creating solutions to further advance their communities is what I truly enjoy. As the Administrator for USDA Rural Housing Service, listening to the voices of people in small communities and making their vision become a reality is something I strive to achieve. Read more »
Here at USDA, we know that having strong rural communities is critical to ensuring that rural America remains a viable place for families to call home. That’s why, through smart investments and regional partnerships, we continuously work to expand opportunities by fostering the creation of diverse and productive rural economies through everything from home loans to financing for infrastructure and business ventures.
Infrastructure, like homes, buildings, roads and power, is the first step toward prosperity and growth in any community. For small rural communities, however, large-scale infrastructure development can be challenging. Small towns have more limited resources and a smaller tax base that can make access to credit difficult. Fortunately, USDA Rural Development can help. We are proud to partner with rural communities across America to provide affordable financing for these essentials, including financing to bring high speed broadband, including remote, poor and under-served areas. Additionally, we provide loans, grants and technical assistance for water systems, wastewater systems, essential community facilities like schools and hospitals, small business start-up or expansion. Read more »
Heather Gallagher stands in the living room of her new home that she helped build through USDA and Community Rebuilds of Moab, UT. The earthen walls and floor create a warm glow throughout the house in the afternoon sun.
Though National Homeownership Month has ended, the stories of people in rural America achieving that American dream never do. Last month I had the good fortune to visit the homes of two such people in Moab, Utah: Heather Gallagher and Lynn Chenard.
Both women live and work in the town of Moab, Utah, adjacent to Arches National Park. They were drawn there by many of the same things that call to me: rock climbing, mountain biking, river rafting, and wilderness exploration. The one thing that might have forced them out, however, is the community’s lack of affordable housing and limited seasonal work. Read more »
A USDA Section 502 Home Loan Guarantee helped the Goetz family secure a bank loan on their rural Kansas home.
In rural areas, financing a home can be difficult. There often aren’t as many lenders serving rural locations as there are in more densely populated parts of the country. Also, some rural lenders may require a larger down payment or a higher interest rate to secure a loan. Fortunately, USDA Rural Development partners with more than 3,000 housing lenders to make sure low- and moderate-income rural families have a chance to enter the housing market.
Through the Section 502 Guaranteed Housing Loan Program, USDA Rural Development backs loans made by approved lenders for the purchase, refinance, renovation, or repair of an owner-occupied residence. The USDA guarantee allows lenders to provide 100-percent financing on a safe, low-interest, 30-year mortgage. Read more »
Through the Emergency Watershed Protection Program, NRCS helped tame a major erosion problem and save a West Columbia, S.C. home. NRCS photo.
Heavy rains can cause flooding and erosion, and for homeowners in West Columbia, S.C. – a new cliff right below their bedroom.
Two major rain events last spring and summer transformed Natchez Trail Road into a flowing river, ultimately creating a 35-foot cliff near a home. Sue and Bob Allen turned to the city and USDA’s Natural Resources Conservation Service for help.
“This is so exciting,” said Sue Allen, after the project was completed near her home. “Somebody heard our pleas.” Read more »
Rural America faces tremendous uncertainty today. Congress has not yet passed a Food, Farm and Jobs Bill, and the current extension of 2008 Farm Bill programs will soon expire. Additionally, thus far, no budget has been provided by Congress to continue funding the Federal government past September 30.
Amid this uncertainty, USDA remains focused on our mission and on our work to revitalize the rural economy. We have delivered record investments under President Obama’s leadership, and we will continue working to do so. In a time of reduced resources, we’ve also taken a wide range of new, collaborative approaches with other government agencies—complementing our public-private partnerships and creating better collaboration among state and local partners. Read more »