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# **Introduction and Welcome from the State Director**

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# Rural Strategies for Survival

California is a diverse panorama of economies. Within that landscape are
hundreds of rural communities looking for economic development options.

All communities need and deserve the strategic partnerships and strong
coalitions necessary to survive and prosper. Rural residents want
affordable homes and essential community facilities. Rural workers need
good jobs. Rural cities and towns need dependable water and utility
services. And the rural business community needs economic stimulus to
compete and expand.

# USDA Rural Development Is On Your Team

In California, USDA Rural Development is ready to help. And we are
helping right now through:

-   Low interest home loans and self-help housing programs for the
    public

-   Affordable farm worker housing programs

-   Grant funding to communities and non-profit economic development
    groups

-   Low interest loans and grants for critical utility improvement
    projects

-   Technical assistance on community development, housing, business and
    infrastructure projects

-   Loan payment guarantee programs for business, home mortgage and
    multi-family housing lenders

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# How to Use Your Catalog of Loans and Grants 

Charts in this catalog begin with ELIGIBLE APPLICANTS -- Who can apply.
Find the categories that describe your own team and game plan and then
examine the criteria for applicable programs. This reference tool helps
you determine if there is a strong match between your strategic plans
and the numerous USDA Rural Development programs available to you. WHO
TO CONTACT at the end of each chart gives you the best office to call.
Then see our list of staff / offices and map of locations.

# Yes, It Can Be Done

Our staff pledges to help you through the paperwork process. Most people
are pleased to find that it doesn't require an MBA or PhD to complete a
successful application. We work with you to explain USDA Rural
Development programs, to help you determine if your project meets
criteria and then to assist in strategic capital planning.

Welcome to USDA Rural Development in California! We are working to help
rural people succeed.

Sincerely,

Paul Venosdel

State Director

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# **Table of Contents**

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### Rural Development -- State Office Directory..................... 4

> **Loan and Grant Programs**

# **Business & Cooperatives**.................................... 5

> **Utilities**..............................................................
> 6
>
> **Communities**......................................................
> 7
>
> **Housing -- Single
> Family**...............\...\...\...\...\...\...\...\...\.... 8
>
> **Housing -- Multi Family**.............\......... ...................
> 9

###### California Special Initiatives........................................\... 10

> **Glossary of Terms and Acronyms**................................\...
> 11

##### Rural Development -- California Local Offices..........\......\.... 12

##### 

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![](media/image1.jpeg){width="1.25in" height="0.6951388888888889in"}

Rural Development - State Office Directory

**United States Department of Agriculture (530) 792-5800**

**Rural Development -- California (530) 792-5837 fax**

**430 G. Street, Agency 4169 (530) 792-5848 TDD**

**Davis, CA 95616-4169 RD.info@ca.usda.gov**

Rural Development Paul Venosdel (530) 792-5800

State Director (530) 792-5837 fax

Assistant to the Paul Lehman (530) 792-5800

State Director (530) 792-5837 fax

Administrative Rita Medina (530) 792-5833

Programs Director (530) 792-5842 fax

Business-Cooperative Charles Clendenin (530) 792-5825

Program Director (530) 792-5838 fax

Utilities and Community Janice Waddell (530) 792-5810

Facilities - Program Director (530) 792-5837 fax

Single-Family Housing Robert Anderson (530) 792-5816

Program Director (530) 792-5838 fax

Multi-Family Housing Stephen Nnodim (530) 792-5830

Program Director (530) 792-5838 fax

######## Local Offices and Regional Managers 

Office addresses, phone numbers and geographic coverage Page 12

####### 

####### Websites -- USDA Rural Development

Rural Development - California www.rurdev.usda.gov/ca

USDA Rural Development www.rurdev.usda.gov

United States Department of Agriculture
[www.usda.gov](http://www.usda.gov/)

# Programs for Rural Businesses and Rural Cooperatives

USDA Rural Development's Rural Business-Cooperative programs deliver a
variety of assistance to rural businesses and communities. All of them
work in financial partnership with local economic organizations \--
banks and lenders, economic development groups, local revolving loan
funds, universities, cities, counties, tribes, and utility cooperatives.

<table>
<colgroup>
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 8%" />
<col style="width: 9%" />
<col style="width: 11%" />
<col style="width: 7%" />
<col style="width: 8%" />
<col style="width: 12%" />
<col style="width: 7%" />
<col style="width: 7%" />
</colgroup>
<tbody>
<tr class="odd">
<td><p><strong>ELIGIBLE</strong></p>
<p><strong>APPLICANTS</strong></p>
<p><strong>Who can apply</strong></p></td>
<td><p><strong>USDA</strong></p>
<p><strong>Program</strong></p></td>
<td><h2 id="section-37"></h2>
<h2 id="purpose">Purpose</h2>
<p><strong>Program goal</strong></p></td>
<td><p>Program Type</p>
<p><strong>How it works</strong></p></td>
<td><p><strong>Eligible</strong></p>
<p><strong>Areas</strong></p>
<p><strong>Rural population</strong></p></td>
<td><p>Authorized Purposes</p>
<p><strong>Use of funds</strong></p></td>
<td><strong>Typical FUNDING</strong></td>
<td><p>Rates and Terms</p>
<p><strong>Rates can change</strong></p></td>
<td><p><strong>Keys</strong></p>
<p><strong>to</strong></p>
<p><strong>Success</strong></p></td>
<td><p><strong>When</strong></p>
<p><strong>to</strong></p>
<p><strong>Apply</strong></p></td>
<td><p><strong>Who</strong></p>
<p><strong>to</strong></p>
<h2 id="contact">Contact</h2></td>
</tr>
<tr class="even">
<td><strong>Banks and other rural business lenders</strong></td>
<td><strong>B &amp; I Guarantee</strong> Business and Industry
Guaranteed Loan</td>
<td>Creates incentive for business lending that saves and creates jobs
(typically for larger businesses)</td>
<td>USDA guarantees business loans made by banks</td>
<td>All rural areas other than cities of more than 50,000 population and
their adjacent urbanized areas</td>
<td>The loans guaranteed can be used for real estate, equipment, working
capital, and refinancing -- for nonfarm businesses</td>
<td>$1 million - $10 million</td>
<td>Negotiated between business and lender -- fixed or variable rates
with no balloons</td>
<td>Lender-driven: there must be a bank willing to make the loan --
(USDA only guarantees the loan) -- business must have strong equity and
collateral</td>
<td>Year-round</td>
<td><p>Local banks and business lenders or</p>
<p>USDA State Office (Rural Business Programs)</p></td>
</tr>
<tr class="odd">
<td rowspan="2"><p><strong>Nonprofit economic development groups, tribes
and public bodies</strong></p>
<p><strong>(e.g. cities or counties)</strong></p></td>
<td><p><strong>IRP</strong></p>
<p>Intermediary Relending Program</p></td>
<td>Capitalizes locally-run revolving loan programs for small businesses
unable to qualify for bank financing</td>
<td>USDA loans money to a local revolving loan fund for relending to
nonfarm businesses</td>
<td>Unincorporated areas with less than 25,000 population</td>
<td>The loans must be used to set up a loan program to make business
loans for real estate, equipment, working capital, and refinancing --
for nonfarm businesses</td>
<td>Maximum $750,000 loans to re-lenders for business loans up to
$150,000</td>
<td><p>1%, 30 years to relender</p>
<p>for rural business loans</p></td>
<td>Funding is limited, so these loans tend to go only to loan funds
that will serve the neediest areas</td>
<td>Year-round with quarterly competition at national level</td>
<td>USDA State Office (Rural Business Programs)</td>
</tr>
<tr class="even">
<td><p><strong>RBEG</strong></p>
<p>Rural Business Enterprise Grant</p></td>
<td>Supports community economic development programs that will assist
small businesses</td>
<td>USDA makes grants to local economic development programs that
support non-farm businesses</td>
<td rowspan="3">All rural areas other than cities of more than 50,000
population and their adjacent urbanized areas</td>
<td>The grant can be used to set up a revolving loan fund, provide
technical assistance to businesses, develop infrastructure, provide job
training, or do a feasibility study</td>
<td>$25,000 - $100,000</td>
<td rowspan="5">Grant</td>
<td>Funding is limited, so these grants tend to go only to the neediest
areas -- grant funds cannot be used for regional planning or business
attraction projects</td>
<td>Once a year with annual competition at state level</td>
<td>USDA Local or State Office (Rural Business Programs)</td>
</tr>
<tr class="odd">
<td><strong>Nonprofit economic development groups, tribes and public
bodies</strong></td>
<td><p><strong>RBOG</strong></p>
<p>Rural Business Opportunity Grant</p></td>
<td>Supports economic development and planning in rural areas</td>
<td>USDA makes grants to local economic development programs that
support non-farm businesses</td>
<td>Grant can be used for development planning, technical assistance and
leadership development</td>
<td><p>$50,000</p>
<p>or less</p></td>
<td rowspan="2">Funding is limited, so these grants tend to go only for
projects helping the neediest areas</td>
<td rowspan="4">Once a year with annual competition at national
level</td>
<td rowspan="4">USDA State Office (Rural Business Programs)</td>
</tr>
<tr class="even">
<td><strong>Universities and nonprofit economic development
groups</strong></td>
<td><p><strong>RCDG</strong></p>
<p>Rural Cooperative Development Grant</p></td>
<td>Supports centers to assist cooperatives</td>
<td>USDA makes grants to centers for rural cooperative development</td>
<td>Grants are used to operate centers that assist rural
cooperatives</td>
<td>$50,000 - $300,000</td>
</tr>
<tr class="odd">
<td><strong>Agricultural producers and cooperatives</strong></td>
<td><p><strong>VAPG</strong></p>
<p>Value Added Producer Grants</p></td>
<td>Help producer-owned business ventures add value to products</td>
<td>USDA makes grants for value added activities; either planning or
working capital</td>
<td>No limitations</td>
<td><p>Value Added:1) change in product physical state 2) differentiated
production or marketing 3) product segregation</p>
<p>4) product produces renewable energy</p></td>
<td><p>Maximum $500,000 --</p>
<p>100% matching funds required</p></td>
<td>Priority given to requests under $500,000, to products producing
bio-energy</td>
</tr>
<tr class="even">
<td><strong>Farmers, Ranchers, and Rural Business Owners</strong></td>
<td><p><strong>Farm Bill</strong></p>
<p><strong>Section 9006 –</strong></p>
<p>Renewable Energy and Efficiency Grant Program</p></td>
<td>To purchase renewable energy systems and make energy efficiency
improvements</td>
<td>USDA makes grants to purchase renewable energy systems and to make
energy efficiency improvements</td>
<td>All rural areas other than cities of more than 50,000 population and
their adjacent urbanized areas</td>
<td>Eligible renewable energy projects include those for which energy is
derived from wind, solar, biomass, geothermal, or for which hydrogen is
derived from biomass or water using the previously stated energy
sources</td>
<td><p>Minimum grant is $2,500 and maximum grant is $500,000 with
75%</p>
<p>matching funds required</p></td>
<td>The more cost effective the project will be and the more eligible
matching funds the applicant provides, the more competitive the grant
application will be</td>
</tr>
</tbody>
</table>

Programs for Rural Utilities

USDA Rural Development's Rural Utilities programs deliver a variety of
assistance to rural utilities. Most involve direct assistance by USDA,
while others work through local partnerships.

<table>
<colgroup>
<col style="width: 9%" />
<col style="width: 8%" />
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<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 11%" />
<col style="width: 8%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td><p><strong>Eligible Applicants</strong></p>
<p><strong>Who can apply</strong></p></td>
<td><p><strong>USDA</strong></p>
<h3 id="program">Program</h3></td>
<td><h3 id="section-38"></h3>
<h3 id="purpose-1">Purpose</h3>
<p><strong>Program goal</strong></p></td>
<td><p>Program Type</p>
<p><strong>How it works</strong></p></td>
<td><p>Eligible Areas</p>
<p><strong>Rural population</strong></p></td>
<td><p>Authorized Purposes</p>
<p><strong>Use of funds</strong></p></td>
<td><strong>Typical Funding</strong></td>
<td><p>Rates and Terms</p>
<p><strong>Rates can</strong></p>
<p><strong>change</strong></p></td>
<td><p><strong>Keys</strong></p>
<p><strong>to</strong></p>
<p><strong>Success</strong></p></td>
<td><p><strong>When</strong></p>
<p><strong>to</strong></p>
<p><strong>Apply</strong></p></td>
<td><p><strong>Who</strong></p>
<p><strong>to</strong></p>
<p><strong>Contact</strong></p></td>
</tr>
<tr class="even">
<td rowspan="2"><p><strong>Public bodies, tribes, and nonprofits
(cities, water districts,</strong></p>
<p><strong>mutual water companies)</strong></p></td>
<td><strong>WWD Loan and Grant</strong> Water and Waste Disposal Loan
and Grant</td>
<td>Develops and repairs water, sewer, storm drainage, and solid waste
systems</td>
<td>USDA makes loans (sometimes with grants) for water and waste
disposal facilities</td>
<td>Cities with less than 10,000 population and unincorporated
areas</td>
<td rowspan="3">Eligible projects include water, sewer, solid waste and
storm drainage systems -- both new and repair projects -- for domestic
and industrial users (excludes irrigation)</td>
<td><p>$1 million-</p>
<p>$3 million</p></td>
<td>Loans: 4.5%-5% fixed, 40 years also Grants</td>
<td>Loans must be fully secured by revenues or assessments -- grants
focus on neediest applicants, depending on population, income, and
health factors</td>
<td rowspan="3">Year-round</td>
<td rowspan="2"><p>USDA</p>
<p>Local Offices</p></td>
</tr>
<tr class="odd">
<td><strong>Colonias and Native American Grants</strong></td>
<td>Helps especially needy border and Native American communities pay
for all or part of the cost of water and waste disposal facilities</td>
<td>USDA makes grants for water and waste disposal facilities</td>
<td>Designated “Colonias” within 150 miles of US-Mexico Border and
Native American communities</td>
<td>$100,000-$500,000</td>
<td>Grant</td>
<td>Grant amount depends on community population, income, and health and
safety factors</td>
</tr>
<tr class="even">
<td><strong>Banks and other commercial lenders</strong></td>
<td><strong>WWD Guarantee</strong> Water and Waste Disposal Guaranteed
Loan</td>
<td>Creates incentive for commercial lending that finances water, sewer,
storm drainage, and solid waste systems</td>
<td>USDA guarantees loans made by banks</td>
<td rowspan="3">Cities with less than 10,000 population and
unincorporated areas</td>
<td>$500,000 - $5 million</td>
<td>Negotiated between business and lender -- fixed or variable rates
allowed</td>
<td>Lender-driven: there must be a bank willing to make the loan --
(USDA only guarantees loan) -- nonprofits (e.g., mutual water companies)
are targeted</td>
<td><p>Banks and commercial lenders or</p>
<p>USDA State Office (Rural Utilities Programs)</p></td>
</tr>
<tr class="odd">
<td><strong>Public bodies (e.g., counties and joint powers authorities),
tribes, and nonprofits</strong></td>
<td><p><strong>SWMG</strong></p>
<p>Solid Waste Management Grant</p></td>
<td>Supports recycling education and solid waste planning</td>
<td>USDA makes grants to improve solid waste handling</td>
<td>The funds can be used for technical assistance, planning, and
community education projects</td>
<td>$50,000</td>
<td rowspan="2">Grant</td>
<td rowspan="2">Funding is limited, so these grants tend to go only to
the neediest areas</td>
<td rowspan="2">Once a year with annual competition at national
level</td>
<td rowspan="2">USDA State Office (Rural Utilities Programs)</td>
</tr>
<tr class="even">
<td><strong>Nonprofit corporations who will provide such assistance to
rural utilities</strong></td>
<td><strong>TAT</strong> Technical Assistance and Training Grant</td>
<td>Supports entities eligible for WWD loans and grants for operator
training, board training, financial planning, and accessing funding</td>
<td>USDA makes grants to benefit small rural utilities</td>
<td>The funds can be used for technical assistance, planning, and
training</td>
<td><p>$50,000-</p>
<p>$1 million+</p></td>
</tr>
</tbody>
</table>

# [Programs for Rural Communities]{.underline}

USDA Rural Development delivers a variety of assistance to rural
communities. Some involve direct assistance by USDA , while others work
through local partnerships.

<table>
<colgroup>
<col style="width: 9%" />
<col style="width: 8%" />
<col style="width: 9%" />
<col style="width: 8%" />
<col style="width: 8%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 11%" />
<col style="width: 8%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td><p><strong>Eligible Applicants</strong></p>
<p><strong>Who can apply</strong></p></td>
<td><p><strong>USDA</strong></p>
<h3 id="program-1">Program</h3></td>
<td><h3 id="section-39"></h3>
<h3 id="purpose-2">Purpose</h3>
<p><strong>Program goal</strong></p></td>
<td><p>Program Type</p>
<p><strong>How it works</strong></p></td>
<td><p>Eligible Areas</p>
<p><strong>Rural population</strong></p></td>
<td><p>Authorized Purposes</p>
<p><strong>Use of funds</strong></p></td>
<td><strong>Typical Funding</strong></td>
<td><p>Rates and Terms</p>
<p><strong>Rates can</strong></p>
<p><strong>change</strong></p></td>
<td><p><strong>Keys</strong></p>
<p><strong>to</strong></p>
<p><strong>Success</strong></p></td>
<td><p><strong>When</strong></p>
<p><strong>to</strong></p>
<p><strong>Apply</strong></p></td>
<td><p><strong>Who</strong></p>
<p><strong>to</strong></p>
<p><strong>Contact</strong></p></td>
</tr>
<tr class="even">
<td><strong>Banks and other commercial lenders to make loans to
nonprofits, tribes, and public bodies (e.g., cities or
counties)</strong></td>
<td><strong>CF Guarantee</strong> Community Facilities Guaranteed
Loan</td>
<td>Provide an incentive for commercial lending that will develop
essential community facilities</td>
<td>USDA guarantees loans made by banks</td>
<td rowspan="6">Cities, towns, unincorporated areas with less than
20,000 population</td>
<td>The loans guaranteed can be used for real estate and equipment –
types of projects include clinics, hospitals, public buildings, day care
centers, fire stations, fire trucks, and recreational facilities</td>
<td>$100,000 - $6 million</td>
<td>Negotiated between borrower and lender – fixed or variable
rates</td>
<td><p>Lender-driven: there must be a bank willing to make the loan --
(USDA only guarantees the loan)</p>
<p>-- typically, only nonprofit borrowers qualify for CF
guarantees</p></td>
<td rowspan="5">Year-round</td>
<td><p>Local banks or</p>
<p>USDA State Office (Community Programs)</p></td>
</tr>
<tr class="odd">
<td rowspan="2"><strong>Nonprofits, tribes, and public bodies (e.g.,
cities or counties)</strong></td>
<td><strong>CF Direct</strong> Community Facilities Direct Loan</td>
<td>Develop essential community facilities</td>
<td>USDA makes <em>loans</em> to develop essential community
facilities</td>
<td rowspan="2">The loans can be used for real estate and equipment –
types of projects include clinics, hospitals, public buildings, day care
centers, and fire stations or fire trucks</td>
<td>$100,000 - $2 million</td>
<td>4.5%-5.5% fixed; 40 years maximum</td>
<td>The loan must be fully secured by a lien on the property financed or
by a pledge of tax revenues</td>
<td rowspan="4"><p>USDA</p>
<p>Local Offices</p></td>
</tr>
<tr class="even">
<td><strong>CF Grant</strong> Community Facilities Grant</td>
<td>Help communities that cannot qualify for a CF loan pay for the cost
of developing essential community facilities</td>
<td>USDA makes <em>grants</em> to develop essential community
<strong>facilities</strong></td>
<td>$15,000-$40,000</td>
<td>Grant</td>
<td>May pay for 15-75% of the project cost depending on the community’s
population and median household income</td>
</tr>
<tr class="odd">
<td rowspan="2"><strong>Special Initiatives</strong></td>
<td><p><strong>EII</strong></p>
<p>Economic Impact Initiative</p></td>
<td>Help communities that have not employed rates in excess of 19.5%
develop essential community facilities</td>
<td>USDA makes <em>grants</em> to develop essential community
<strong>facilities</strong></td>
<td rowspan="2">The loans can be used for real estate and equipment –
types of projects include clinics, hospitals, public buildings, day care
centers, and fire stations or fire trucks</td>
<td>$15,000-$40,000</td>
<td>Grant</td>
<td>May pay for 15-75% of the project cost depending on the community’s
population and median household income</td>
</tr>
<tr class="even">
<td><strong>First Responder Initiaitve</strong></td>
<td>Funding priority is given to projects for public safety and
healthcare</td>
<td>USDA makes <em>grants</em> to develop essential community
<strong>facilities</strong></td>
<td>$15,000-$40,000</td>
<td>Grant</td>
<td>May pay for 15-75% of the project cost depending on the community’s
population and median household income</td>
</tr>
<tr class="odd">
<td><strong>Schools, libraries, nonprofit hospitals, clinics, and
tribes</strong></td>
<td><strong>DL/TM</strong> Distance Learning and Telemedicine Loan and
Grant</td>
<td>Support the development telemedicine and distance learning
systems</td>
<td>USDA makes loans and grants</td>
<td>The funds can be used for initial capital and hardware costs that
will enhance telecommunication capabilities for either public education
or medical purposes</td>
<td>$50,000-$300,000 for grants – no limit for loans</td>
<td><p>Fixed based on Government cost of funds;</p>
<p>10 years <em>and/or</em></p>
<p>Grant</p></td>
<td>15% of grant amount required in non-federal matching funds – grants
are only made available to the neediest applicants</td>
<td>Once a year with annual competition at national level</td>
<td>USDA State Office (Rural Utilities and Community Facilities
Programs)</td>
</tr>
</tbody>
</table>

Programs for Rural Housing -- Single Family Housing

USDA Rural Development's Rural Housing programs deliver a variety of
assistance to support the housing needs of rural people. Most involve
direct assistance by USDA, while others work through local partnerships.

<table>
<colgroup>
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 8%" />
<col style="width: 8%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 12%" />
<col style="width: 7%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td><p>Eligible Applicants</p>
<p>Who can apply</p></td>
<td><p><strong>USDA</strong></p>
<p>Program</p></td>
<td><p>Purpose</p>
<p>Program goal</p></td>
<td><p>Program Type</p>
<p>How it works</p></td>
<td><p>Eligible Areas</p>
<p>Rural population</p></td>
<td><p>Authorized Purposes</p>
<p>Use of funds</p></td>
<td><strong>Typical Funding</strong></td>
<td><p>Rates and Terms</p>
<p><strong>Rates can</strong></p>
<p><strong>Change</strong></p></td>
<td><p><strong>Keys</strong></p>
<p><strong>to</strong></p>
<p><strong>Success</strong></p></td>
<td><p><strong>When</strong></p>
<p><strong>to</strong></p>
<p><strong>Apply</strong></p></td>
<td><p><strong>Who</strong></p>
<p><strong>to</strong></p>
<p><strong>Contact</strong></p></td>
</tr>
<tr class="even">
<td><strong>Low and very low income people</strong></td>
<td><strong>SFH 502 Loan</strong> Single Family Housing Direct Loan</td>
<td>Creates option for low income people to buy a modest home</td>
<td>USDA makes loan to home-buyers</td>
<td rowspan="5">Unincorporated areas, cities with less than10,000
population, and some cities with less than 25,000 population and not
part of an urban area</td>
<td rowspan="3"><p>Buy and perform needed repairs on new or existing
homes --</p>
<p>100% financing -- no down payment required</p></td>
<td>$90,000-$170,000; up to 100% of the market value of the home</td>
<td><p>6.75% fixed</p>
<p>(or lower if subsidized);</p>
<p>33-38 years</p></td>
<td><p>Applicants must have good credit and stable income adequate to
repay the loan --</p>
<p>Self-Help program available</p></td>
<td rowspan="5">Year-round</td>
<td><p>USDA</p>
<p>Local Offices</p></td>
</tr>
<tr class="odd">
<td><strong>Low income people</strong></td>
<td><p><strong>SFH 502 Participation</strong></p>
<p>Single Family Housing Participation Loan</p></td>
<td>Enhances ability of mortgage lenders to make loans so low-income
people have option to buy a modest home</td>
<td>USDA participates with a local mortgage lender in financing a
home</td>
<td>$90,000-$170,000; up to 100% of the market value of the home</td>
<td><p>Mortgage lender’s loan is fixed; 30 years; USDA’s is 6.75%
fixed</p>
<p>( or lower if subsidized);</p>
<p>33-38 years</p></td>
<td>Mortgage lender loans 40+% of purchase price; USDA loans the rest –
applicants must have good credit and stable income adequate to repay the
loan</td>
<td>Participating mortgage lender, or USDA Local Office</td>
</tr>
<tr class="even">
<td><strong>Mortgage lenders making loans to low and moderate income
people</strong></td>
<td><strong>SFH Guarantee</strong> Single Family Housing Guaranteed
Loan</td>
<td>Creates incentive for mortgage lender to make home loans to low and
moderate income people</td>
<td>USDA guarantees home loan made by mortgage lenders</td>
<td><p>$250,000;</p>
<p>up to 100% of the market value of the home</p></td>
<td>Mortgage lender’s interest rate is negotiated but is fixed; 30
years; the guarantee fee is 1.75%</td>
<td>Lender-driven: participant lenders make the loan -- (USDA guarantees
the loan) – applicants need good credit, stable income adequate for loan
repayment</td>
<td>Participating mortgage lender, or USDA State Office (Single Family
Housing Programs)</td>
</tr>
<tr class="odd">
<td><strong>Very low income people</strong></td>
<td><p><strong>SFH 504 Loan</strong></p>
<p>Single Family Housing Loan</p></td>
<td>Modernizes or repairs a modest home</td>
<td>USDA makes loan to home owners</td>
<td rowspan="2">Install or repair water or sewer hook-ups, roofing,
insulation, other improvements or to repair basic defects</td>
<td>$20,000</td>
<td>1%, 20 year</td>
<td>Applicant must have limited resources and be unable to get credit
elsewhere</td>
<td rowspan="2"><p>USDA</p>
<p>Local Offices</p></td>
</tr>
<tr class="even">
<td><strong>Very low income people who are 62 years or
older</strong></td>
<td><p><strong>SFH 504 Grant</strong></p>
<p>Single Family Housing Repair Grant</p></td>
<td>Rehabilitates substandard housing to a safe, decent and sanitary
condition</td>
<td>USDA gives grant to home owners</td>
<td>$7,500</td>
<td><p>Grant</p>
<p>Must live in dwelling 3 years after the grant is made</p></td>
<td>Applicant must have limited resources -- SFH 504 Grant and Loan may
be combined</td>
</tr>
</tbody>
</table>

Programs for Rural Housing -- Multi Family

USDA Rural Development's Rural Housing programs deliver a variety of
assistance to support the housing needs of rural communities. Most
involve direct assistance by USDA, while others work through local
partnerships. Includes Farm Labor and Housing Preservation programs.

<table>
<colgroup>
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 9%" />
<col style="width: 8%" />
<col style="width: 8%" />
<col style="width: 9%" />
<col style="width: 7%" />
<col style="width: 9%" />
<col style="width: 12%" />
<col style="width: 7%" />
<col style="width: 8%" />
</colgroup>
<tbody>
<tr class="odd">
<td><p>Eligible Applicants</p>
<p>Who can apply</p></td>
<td><p><strong>USDA</strong></p>
<p>Program</p></td>
<td><p>Purpose</p>
<p>Program goal</p></td>
<td><p>Program Type</p>
<p>How it works</p></td>
<td><p>Eligible Areas</p>
<p>Rural population</p></td>
<td><p>Authorized Purposes</p>
<p>Use of funds</p></td>
<td><strong>Typical Funding</strong></td>
<td><p>Rates and Terms</p>
<p><strong>Rates can</strong></p>
<p><strong>Change</strong></p></td>
<td><p><strong>Keys</strong></p>
<p><strong>to</strong></p>
<p><strong>Success</strong></p></td>
<td><p><strong>When</strong></p>
<p><strong>to</strong></p>
<p><strong>Apply</strong></p></td>
<td><p><strong>Who</strong></p>
<p><strong>to</strong></p>
<p><strong>Contact</strong></p></td>
</tr>
<tr class="even">
<td><strong>Private developers, nonprofits, tribes, public
agencies</strong></td>
<td><p><strong>RRH 515 Loan</strong></p>
<p>Rural Rental Housing Direct Loan</p></td>
<td>Develops new apartments for low income tenants</td>
<td>USDA makes loan for apartments</td>
<td rowspan="2">Unincorporated areas, cities with less than10,000
population and some cities with less than 25,000 population</td>
<td>Develop new apartments</td>
<td>$1,000,000 maximum</td>
<td><p>1% fixed (using interest credit);</p>
<p>30 years with 50-year amortization</p></td>
<td>Limited funding; no more than $2.5 million per state. USDA may
provide tenant subsidies to keep the units affordable to low income
tenants</td>
<td>Once a year with annual competition at national level</td>
<td rowspan="4"><p>USDA State Office</p>
<p>(Multi-Family Housing Programs)</p></td>
</tr>
<tr class="odd">
<td><strong>Banks and other lenders making loans to developers, tribes,
or public agencies</strong></td>
<td><p><strong>GRRH 538 Loan</strong></p>
<p>Guaranteed Rural Rental Housing Loan</p></td>
<td>Creates incentive for commercial lenders to develop/repair
apartments for low and moderate income tenants</td>
<td>USDA guarantees loan made by banks</td>
<td>Guaranteed loans to develop new apartments or buy and renovate
existing apartments</td>
<td>$2 million+</td>
<td>Negotiated between borrower and lender. (USDA may provide interest
credit to reduce the effective interest rate)</td>
<td>Lender-driven: there must be a lender willing to make the loan --
(USDA only guarantees the loan)</td>
<td><p>Year round</p>
<p>at national level</p></td>
</tr>
<tr class="even">
<td><strong>Nonprofit limited partnerships, non-profits, public bodies
(e.g., housing authorities), and farmers</strong></td>
<td><p><strong>FLH 514/516 Loan and Grant</strong></p>
<p>Farm Labor Housing Direct Loan and Grant</p></td>
<td>Develops and repairs housing projects for farm workers</td>
<td>USDA makes loan (with some grants) for farm labor housing</td>
<td>No population restriction so long as project serves farm labor
housing projects</td>
<td>Develop new or buy and renovate existing farm labor housing
projects</td>
<td><p>$1 million -</p>
<p>$3 million</p></td>
<td><p>1% fixed;</p>
<p>33 years</p></td>
<td>Competitive program – grants may be included with loan funds in
order to keep the farm labor housing affordable. USDA may provide tenant
subsidies to keep the units affordable to low income tenants.</td>
<td>Once a year with annual competition at national level</td>
</tr>
<tr class="odd">
<td><strong>Nonprofits, tribes, and public bodies (e.g., cities and
counties)</strong></td>
<td><p><strong>HPG 533 Grant</strong></p>
<p>Housing Preservation Grant</p></td>
<td>Supports repair programs that correct access, safety, health
problems in homes and rental units</td>
<td>USDA makes grant to support local housing rehabilitation
projects</td>
<td>Unincorporated areas, cities with less than10,000 population and
some cities with less than 25,000 population</td>
<td>Any program that offers affordable assistance (loans, grants,
subsidies, technical assistance, etc.) to repair low income housing</td>
<td>$80,000-$100,000</td>
<td>Grant</td>
<td>Very competitive program -- preference is given to projects with
matching funds and targeting low income people</td>
<td>Once a year with annual competition at state level</td>
</tr>
</tbody>
</table>

# Special Rural Development Initiatives in California

USDA Rural Development has established a number of special initiatives
to target its assistance to rural communities with the greatest need.

+----------+------------------------------+---------------------------+
| **Init   | ######## Program Description | **Assistance / Contact**  |
| iative** |                              |                           |
+----------+------------------------------+---------------------------+
| #        | Multi-Family and Single      | USDA gives higher         |
| Colonias | Family housing and utilities | priority in allocating    |
|          | development assistance for   | these program funds --    |
| Com      | "Colonias" within 150 miles  | contact USDA local        |
| munities | of US -- Mexico border       | offices                   |
+----------+------------------------------+---------------------------+
| *        | Multi-program assistance for | USDA devotes funds in     |
| *EZ/EC** | competitively selected       | nearly every program to   |
|          | communities demonstrating    | assist EZ/EC communities  |
| Emp      | superior cooperation,        | \-- contact ­­­­ Violet Gomes |
| owerment | planning and vision \--      | at (831) 757-5294.        |
| Zone /   | rural EZ/ECs are in          |                           |
| En       | Imperial, Fresno, Tulare     |                           |
| terprise | Counties, eastern Riverside  |                           |
| C        | County and the City of       |                           |
| ommunity | Watsonville                  |                           |
+----------+------------------------------+---------------------------+
| **CC**   | Multi-program assistance for | USDA gives Champion       |
|          | EZ/EC applicant communities  | Communities priority in   |
| Champion | that were not selected but   | allocating rural program  |
| Com      | are continuing to work       | funds \-- contact ­­­­ Violet |
| munities | toward their vision          | Gomes at (831) 757-5294.  |
+----------+------------------------------+---------------------------+
| **Self   | Low and very low-income      | Significant RH 502 loan   |
| Help**   | applicants participate with  | funds are reserved for    |
|          | their neighbors in the       | Self-Help subdivisions    |
| Self     | construction of their homes, | every year \-- contact    |
| Help     | fostering pride-of-ownership | Bob Anderson at           |
| Housing  | while reducing their home    | 530-792-5816 ­­­             |
|          | loans to a more affordable   |                           |
| Program  | level                        |                           |
+----------+------------------------------+---------------------------+
| **       | USDA supports value-added    | USDA provides technical   |
| CO-OPS** | agricultural cooperatives    | assistance, grants and    |
|          | and other types of co-ops    | guaranteed loans to       |
| Coop     |                              | co-ops \-- contact Karen  |
| eratives |                              | Spatz at 530-792-5829     |
| In       |                              |                           |
| itiative |                              |                           |
+----------+------------------------------+---------------------------+
| **CAIP** | Supplemental USDA business   | Extra B&I Guaranteed Loan |
|          | program funding for counties | funds are available to    |
| C        | suffering job losses from    | support business projects |
| ommunity | NAFTA (North American Free   | in these designated areas |
| Ad       | Trade Agreement)             | \-- contact Larry Strong  |
| justment |                              | at 530-792-5805           |
|          |                              |                           |
| and      |                              |                           |
| In       |                              |                           |
| vestment |                              |                           |
| In       |                              |                           |
| itiative |                              |                           |
+----------+------------------------------+---------------------------+
| **ARMS** | USDA partnership with the    | USDA provides B & I       |
|          | Department of the Army to    | Guaranteed Loans to       |
| Armament | stimulate commercial use of  | businesses locating in    |
| R        | the Riverbank Army           | unused space on this      |
| etooling | Ammunition Plant in          | military property,        |
|          | Stanislaus County            | supplementing the Army's  |
| and      |                              | favorable tenant terms    |
| Manuf    |                              | \-- contact Larry Strong  |
| acturing |                              | at 530-792-5805           |
|          |                              |                           |
| Support  |                              |                           |
| Program  |                              |                           |
+----------+------------------------------+---------------------------+
| **EII**  | Funding to assist            | USDA provides financial   |
|          | communities that have not    | assistance to develop     |
| Economic | employed rates in excess of  | essential community       |
| Impact   | 19.5% develop essential      | facilities. -- Contact    |
| In       | community facilities.        | USDA local offices.       |
| itiative |                              |                           |
+----------+------------------------------+---------------------------+
| **First  | Funding priority is given to | USDA gives priority to    |
| Resp     | projects for public safety   | projects for public       |
| onders** | and healthcare.              | safety and healthcare --  |
|          |                              | Contact USDA local        |
| First    |                              | offices.                  |
| R        |                              |                           |
| esponder |                              |                           |
| In       |                              |                           |
| itiative |                              |                           |
+----------+------------------------------+---------------------------+

**USDA Rural Development - California**

**Glossary of Terms and Acronyms**

**BTA** -- Border Trade Alliance

**CC** - Champion Community

**DL/TM --** Distance Learning and Telemedicine

**EII --** Economic Impact Initiative

**EZ/EC** - Empowerment Zone/Enterprise Community

***Federal Register* --** The *Federal Register* is the official daily
publication for Rules, Proposed Rules, and Notices of Federal agencies
and organizations, as well as Executive Orders and other Presidential
Documents. For a searchable database see www.gpo.gov

**GIS** -- Geographic Information Systems

**GPRA** -- Government Performance Results Act

**Guaranteed Loan** -- Private sector lender originates, makes and
services the loan with a Federal guarantee that provides a partial
guarantee against loan loss

**Income Level Terms:** (applicable to Rural Housing Service programs)

> **Low Income** -- Household income less than or equal to 80% of the
> county adjusted median income.
>
> **Moderate Income** -- Household income less than or equal to \$5,500
> more than the low income level for the county, or 110 % of the median
> income.
>
> **Very Low income** -- Household income less than or equal to 50% of
> the county adjusted median income.

**NCE** -- National Center of Excellence

**NGO** -- Non-Government Organization

**NOFA** -- Notice of Funding Availability

**NOIP** -- Notice of Intent to Participate

**Participation Loan** -- Federal direct loan that is made in
conjunction with a loan extended by a private sector lender

**Revolving Loan Fund** -- Funding distributed through intermediaries
(economic development groups, public bodies) for use by ultimate
recipients (small businesses)

**RBS** -- Rural Business (and Cooperative) Service

**RCAP** -- Rural Community Advancement Program

**REAP Zone** -- Rural Economic Area Partnership Zone

**RFP** -- Request for Proposal

**RHS** -- Rural Housing Service

**RSIP** -- Rural Strategic Initiative Program

**RUS** -- Rural Utilities Service

**SWB** -- Southwest Border

**TA --** Technical Assistance**;** USDA program that provides funding
for professional advice, training, counseling and similar guidance

**USDA-RD** -- United States Department of Agriculture - Rural
Development

**VAPG --** Value Added Producer Grants

##  {#section-40}

USDA Rural Development - California

## California Local Offices

**Local**

**Office: Counties Served: Address (city is local office): Phone: Fax:**

#   {#section-41}

# Area I Roger J. Trindade, Rural Development Manager (530) 226-2560 (530) 226-2567

**Alturas** Lassen, Modoc, 808 W. 12th Street, 96101-3211 (530) 233-4615
(530) 233-8869

Plumas

**Eureka** Del Norte, 5630 S. Broadway, 95503 (707) 443-6714 x4 (707)
443-7514

Humboldt

**Oroville** Butte 150-D Chuck Yeager Way, 95965-5791 (530) 533-4401 x4
(530) 533-4936

**Red Bluff** Tehama 2 Sutter Street, Ste. B, 96080-4388 (530) 527-1013
x4 (530) 527-7451

**Redding** Shasta, Trinity 3644 Avtech Parkway, Ste. A, 96002-9241
(530) 226-2560 (530) 226-2567

**Santa Rosa** Marin, Sonoma 777 Sonoma Ave, E St. Annex, 95404 (707)
526-6797 x4 (707) 526-8942

**Ukiah** Lake, Mendocino, 405 S. Orchard Avenue, 95482-5090 (707)
462-2916 x4 (707) 468-5278

Napa

**Willows** Colusa, Glenn 132 North Enright, Ste. C, 95988-2697 (530)
934-4614 x4 (530) 934-8667

**Yreka** Siskiyou 215 Executive Court, Ste. B, 96097-2629 (530)
842-6123 x4 (530) 842-1027

#  {#section-42}

**Area II** Richard Brassfield, Rural Development Manager (559) 276-7494
x4 (559) 276-1791

**Auburn** El Dorado, Nevada, 251 Auburn Ravine Road, Ste.107, 95603
(530) 885-6505 x4 (530) 823-5504

Placer, Sierra

**Elk Grove** Sacramento, 9701 Dino Drive, Suite 170, 95624-4042 (916)
714-1104 x4 (916) 714-1118

Solano

**Fresno** Fresno 4625 W. Jennifer, Ste. 126, 93722 (559) 276-7494 x4
(559) 276-1791

**Merced** Madera, Mariposa, 2135 Wardrobe Ave., Ste. A, 95340 (209)
722-4119 x4 (209) 725-2964

Merced

**Modesto** Stanislaus, 3800 Cornucopia Way, Suite E 95358 (209)
491-9320 x4 (209) 491-9331

Tuolumne

**Salinas** Alameda, Monterey, 744-A La Guardia Street, 93905 (831)
757-5294 x4 (831) 424-7289

San Benito,

San Francisco,

San Mateo,Santa Clara,

Santa Cruz

**Stockton** Alpine, Amador, 3422 West Hammer Lane, Ste. B, 95219-5493
(209) 472-7127 x4 (209) 472-7890

Calaveras, Contra

Costa, Mono,

San Joaquin

**Yuba City** Sutter, Yolo, 1521-D Butte House Road, 95993-2993 (530)
673-4347 x4 (530) 673-5360

Yuba

#  {#section-43}

#   {#section-44}

**Area III** Gurcharan Dhillon, Rural Development Manager (559) 734-8732
x4 (559) 732-3481

**Bakersfield** Kern 5000 California Ave., Ste. 100, 93309 (661)
336-0967 x4 (661) 336-0857

**El Centro** Imperial, 177 N. Imperial Avenue, 92243-2808 (760)
352-4418 x4 (760) 352-0219

San Diego

**Hanford** Kings 680 Campus Drive, Ste. D, 93230-2002 (559) 585-8732 x4
(559) 584-8715

**Indio** Riverside (E) 82-901 Bliss Avenue, 92201 (760) 342-4624 x4
(760) 347-4074

**Moreno Valley** Orange, 22690 Cactus Ave., Ste. 280, 92553-9035 (951)
656-6800 (951) 656-0094

Riverside (W)

**Santa Maria** San Luis Obispo, 920 East Stowell Road, 93454 (805)
928-9269 x4 (805) 928-9644

Santa Barbara,

Ventura

**Victorville** Inyo, Los Angeles, 17330 Bear Valley Road, Ste. 106,
92392 (760) 843-6882 x4 (760) 843-9521

San Bernardino

**Visalia** Tulare 3530 W. Orchard Ct., 93277 (559) 734-8732 x4 (559)
732-3481