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Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session.

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Presentation on theme: "Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session."— Presentation transcript:

1 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session USDA Rural Development Housing Resources for Elderly Native Americans Tedd Buelow, Sue Harris-Green & Carolyn Bell May 2 nd - Baltimore, Maryland

2 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Session Summary Quick Overview of USDA Rural DevelopmentQuick Overview of USDA Rural Development Community Facilities ProgramCommunity Facilities Program Multi-Family Housing Programs (515)Multi-Family Housing Programs (515) Rural Housing Repair and Rehabilitation Loans & Grants (504)Rural Housing Repair and Rehabilitation Loans & Grants (504) Introduction of USDAs 1994 Tribal College Program DirectorIntroduction of USDAs 1994 Tribal College Program Director Questions and AnswersQuestions and Answers

3 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session USDA Rural Development 3 Program Areas –Rural Business/Cooperative –Rural Utilities –Rural Housing & Community Facilities National and State Office Structure –State Directors –Program Directors –Native American Coordinators Area / Local Offices (Over 700) Native American Coordinators (43)

4 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Historic Funding Benefiting AI/AN Customers Millions of Dollars Fiscal Years

5 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session FY 06 Housing Funds to AI/AN Rural Housing and Community Facilities Programs Tribal College Community Facilities Initiative$4,689,161 Community Facilities Program$19,087, Single Family Housing Direct Loans$19,495, Single Family Housing Guaranteed Loans$22,754, Multi Family Housing Direct Loans$1,896, Multi Family Housing Guaranteed Loans$0 Housing Preservation Grant$636,803 Mutual Self - Help Housing TA Grants$846,124 Technical Assistance Grants$100, Home Repair Loans & Grants$1,866,358 TOTAL$71,372,314

6 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Community Facilities Program Guaranteed loans, direct loans and limited grants for essential Community FacilitiesGuaranteed loans, direct loans and limited grants for essential Community Facilities Definition of rural for this program = 20,000 or lessDefinition of rural for this program = 20,000 or less Guaranteed Loan ProgramGuaranteed Loan Program –Interest rate is the lenders customary interest rate for similar projects –Interest rates for guaranteed loans may be fixed or variable and are determined by the lender and borrower, subject to HCFP review and approval Direct loan program fixed interest ratesDirect loan program fixed interest rates –Poverty is set at 4.5% –Intermediate rate is set halfway between the market and the poverty rates –Market rate is indexed to the eleventh bond buyers rate as determined by the U. S. Treasury Department –Eligibility for these different interest rates is determined by the median household income (MHI) of the area being served and the type of project. The intermediate and market interest rates are adjusted quarterly. Loan repayment terms may not exceed the applicants authority (under State law or organizational structure), the useful life of the facility, or a maximum 40 years.Loan repayment terms may not exceed the applicants authority (under State law or organizational structure), the useful life of the facility, or a maximum 40 years.

7 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Types of facilities: Nursing HomesNursing Homes Assisted Living FacilitiesAssisted Living Facilities ClinicsClinics Boarding Homes for the ElderlyBoarding Homes for the Elderly Hospitals (General & Surgical)Hospitals (General & Surgical) Medical Rehabilitation Center sMedical Rehabilitation Center s Psychiatric HospitalsPsychiatric Hospitals Outpatient ClinicsOutpatient Clinics Adult Dare Care Center sAdult Dare Care Center s Tribal Administration BuildingsTribal Administration Buildings Many othersMany others Community Facilities Program Limited Grant Funds 3 Priority Areas3 Priority Areas –Serve Small Communities (5,000 or less get highest priority) –Low-income Communities –Provide healthcare, public safety, or public & community services Grant assistance may be available for up to 75% of project costsGrant assistance may be available for up to 75% of project costs Grant limitations are based on population and income, economic feasibility, and availability of fundsGrant limitations are based on population and income, economic feasibility, and availability of funds Combination of fundsCombination of funds

8 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Welcome to Multi-Family Housing Processing Division Direct Loans (515)Direct Loans (515) Guaranteed Loans (538)Guaranteed Loans (538) Farm Labor (514/516)Farm Labor (514/516) Preservation Grant (533)Preservation Grant (533) Preservation Revolving Loan FundPreservation Revolving Loan Fund

9 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Multi-Family Housing Processing Division Sue Harris-Green Deputy Director Direct Loans/Grants

10 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Multi-Family Housing Processing Division Division Objectives: Provide Prompt Accurate Guidance & Assistance to State & Field OfficesProvide Prompt Accurate Guidance & Assistance to State & Field Offices Assure Consistent Application of RegsAssure Consistent Application of Regs Open Communication with Field StaffOpen Communication with Field Staff If you have a question, please give us a call. (202)

11 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Loans made to build, acquire and renovate multi-family properties.Loans made to build, acquire and renovate multi-family properties. Loans receive interest credit, which lowers the effective interest paid.Loans receive interest credit, which lowers the effective interest paid. Borrowers must lease units to income eligible tenants, at rents approved by the agency.Borrowers must lease units to income eligible tenants, at rents approved by the agency. Direct Loans (515)

12 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Direct Loans (cont) Units must be rented to very low (30% of AMI), low (50% of AMI) and moderate (80% of AMI) income tenants.Units must be rented to very low (30% of AMI), low (50% of AMI) and moderate (80% of AMI) income tenants.

13 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Direct Loans (cont) Types of eligible projects:Types of eligible projects: –Family Projects –Elderly Projects –Congregate Projects –Group homes –Rural Cooperative Housing

14 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Eligible uses of funds:Eligible uses of funds: –Construct / Rehabilitate MFH –Purchase equipment –Legal and technical assistance –Interest and other financing costs Direct Loans (cont)

15 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session NOFA Process (New Construction)NOFA Process (New Construction) –Publish Notice of Funding Availability –Applications received by states –States score the applications –National Office receive the scores –N/O selects highest scored applications Direct Loans (cont)

16 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Rehab / Repair LoansRehab / Repair Loans –First Come / First Served –State reviews borrower requests –State submits the requests to N/O –N/O reviews requests –N/O approves / denies requests Direct Loans (cont)

17 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Guaranteed Loans (538) Loan Guarantee for 90% of principal and interest outstanding (for profit entity).Loan Guarantee for 90% of principal and interest outstanding (for profit entity). Loan Guarantee for 97% of principal and interest outstanding (non-profit entity).Loan Guarantee for 97% of principal and interest outstanding (non-profit entity). Construction and/or permanent loan guarantee available.Construction and/or permanent loan guarantee available.

18 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Guaranteed Loans (cont) Property in program for 25 year minimum, 40 year maximum.Property in program for 25 year minimum, 40 year maximum. Loan term 25 year minimum with 40 year amortization.Loan term 25 year minimum with 40 year amortization.

19 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Guaranteed Loans (cont) Qualified Borrowers Non-profit corps.Non-profit corps. or partnerships or partnerships Public entitiesPublic entities Indian TribesIndian Tribes For-profit comps.For-profit comps. IndividualsIndividuals TrustsTrusts Qualified Properties Multi-family ProjectsMulti-family Projects Minimum of 5 unitsMinimum of 5 units New constructionNew construction Rehab. of at least $6,500 per unit for purposes of acquisition or to create new unitsRehab. of at least $6,500 per unit for purposes of acquisition or to create new units

20 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Guaranteed Loans (cont) Qualified Lenders: State or local HFA or member of the Federal Home Loan BankState or local HFA or member of the Federal Home Loan Bank HUD, Ginnie Mae, Fannie Mae, or Freddie Mac approved lenders for multi-family housing loansHUD, Ginnie Mae, Fannie Mae, or Freddie Mac approved lenders for multi-family housing loans Any lender that can demonstrate the ability to originate, underwrite, and manage MFH loans and meet the criteria found in and Any lender that can demonstrate the ability to originate, underwrite, and manage MFH loans and meet the criteria found in and

21 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Guaranteed Loans (cont) Eligible Uses Found in All hard and soft costs related to dwellings and related facilitiesAll hard and soft costs related to dwellings and related facilities Developers feesDevelopers fees Tech. assistanceTech. assistance Ineligible Uses Found in Student or military housingStudent or military housing Nursing homes and special care facilitiesNursing homes and special care facilities Refinancing of existing debtRefinancing of existing debt

22 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session 7 CFR CFR 3560 Separate Subparts: Off-Farm Labor Housing - 7 CFR 3560, subpart L On-Farm Labor Housing - 7 CFR 3560, subpart M Farm Labor (514/516)

23 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Definition of a Domestic Farm Laborer (7 CFR ) A person who….. …….receives a substantial portion of their income from farm labor….. Income requirements for farm laborers are contained in: 7 CFR (b)(2) and Attachment 6-H of the Asset Management Handbook. Farm Labor (514/516)

24 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Definition of a Domestic Farm Laborer - Continued 7 CFR ) …..and either is a citizen of the United States or resides in the United States after being legally admitted for permanent residence. Farmworkers who are admitted under temporary visas, such as H2A workers, are not eligible to live in Farm Labor Housing (they are not admitted for permanent residence). Farm Labor (514/516)

25 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session On-Farm LH Funding On-Farm LH loans will be made available on a first-come-first- served basis (outside of the NOFA process).On-Farm LH loans will be made available on a first-come-first- served basis (outside of the NOFA process). Farm Labor (514/516)

26 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Off-Farm Labor Housing Notice of Funding Availability (NOFA) FY07 Off-Farm NOFA published on April 19. Preapplications received by the S/O by June 18.FY07 Off-Farm NOFA published on April 19. Preapplications received by the S/O by June 18. The preapplication requirements are contained in the NOFA. Pre- applications should be reviewed for completeness against the requirements in the NOFA.The preapplication requirements are contained in the NOFA. Pre- applications should be reviewed for completeness against the requirements in the NOFA. Farm Labor (514/516)

27 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Notice of Funding Availability (NOFA) Grants to nonprofits, public agencies and other eligible entities to provide funds to repair low-income homeowners dwellings.Grants to nonprofits, public agencies and other eligible entities to provide funds to repair low-income homeowners dwellings. The preapplication requirements are contained in the annual NOFA.The preapplication requirements are contained in the annual NOFA. Housing Preservation Grant (533)

28 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Homeowners Repairs & Rental Property Repairs Recipients of these grants assist very-low and low income homeowners in making repairs to their homes.Recipients of these grants assist very-low and low income homeowners in making repairs to their homes. Grant funds can be used to assist rental property owners and co-ops in making repairs, if units available to very-low and low income tenants.Grant funds can be used to assist rental property owners and co-ops in making repairs, if units available to very-low and low income tenants. Housing Preservation Grant (533)

29 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Re-lending Program with Intermediaries Eligible Recipients are non-profits and HFAs.Eligible Recipients are non-profits and HFAs. Announced through NOFA.Announced through NOFA. Recipients re-lend funds to renovate existing 515 properties.Recipients re-lend funds to renovate existing 515 properties. Demonstration Program in FY 07.Demonstration Program in FY 07. Preservation Revolving Loan Fund

30 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Processing Division Contact List Direct Loans 515 Sue Harris Dep. Director (202) Sue Harris Dep. Director (202) Barbara Chism (202) Barbara Chism (202) Farm Labor 514 / 516 Sue Harris Dep. Director (202) Sue Harris Dep. Director (202) Henry Searcy (202) Henry Searcy (202)

31 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Processing Division Contact List Housing Preservation Grants 533 Sue Harris Dep. Director (202) Sue Harris Dep. Director (202) Bonnie Edwards-Jackson (202) Bonnie Edwards-Jackson (202) Preservation Revolving Loan Fund Sue Harris Dep. Director (202) Sue Harris Dep. Director (202) Henry Searcy (202) Henry Searcy (202)

32 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Processing Division Contact List Guaranteed Loans (538) Joyce Allen Deputy Director (202) Joyce Allen Deputy Director (202) Arlene Nunes (202) Arlene Nunes (202) C.B. Alonso (202) C.B. Alonso (202)

33 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Reference Information Handbooks & Regulations 7 CFR part CFR part 3560 HB – Rural Rental Housing Loan OriginationHB – Rural Rental Housing Loan Origination 7 CFR part CFR part 3565 HB Guaranteed Rural Rental Housing Program Origination & ServicingHB Guaranteed Rural Rental Housing Program Origination & Servicing

34 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session

35 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Purpose: The Very Low-Income Housing Repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards.

36 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Eligibility: Homeowner-occupants must be unable to obtain affordable credit elsewhere and must have very low incomes, (below 50 percent of the area median income). Repairs and improvements must make the dwelling more safe and sanitary or remove health and safety hazards.

37 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Eligibility: Grants are only available to homeowners who are 62 years old or older and cannot repay a Section 504 loan.

38 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Terms: Loans of up to $20,000 and grants of up to $7,500 are available. Loans are for up to 20 years at 1 percent interest. No security requirement for loans under $7,500.

39 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Terms: Grants must be repaid if the property is sold within 3 years. Repairs financed with grant funds must result in the removal of health and safety hazards.

40 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Terms: A grant/loan combination is made if the applicant can repay part of the cost. Loans and grants can be combined for up to $27,500 in Section 504 assistance

41 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Standards: Repaired properties need not meet RHS code requirements, but water and waste systems and related fixtures must meet local health department requirements. Water supply and sewage disposal systems should meet RHS requirements.

42 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session SFH 504 Program Standards: Major health and safety hazards must be corrected. All work performed must meet local codes and standards.

43 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session USDAs 1994 Programs (Tribal Colleges and Universities) Introducing Yolanda Garcia

44 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Questions and Answers

45 Administration on Aging Office of American Indian, Alaska Native and Native Hawaiian Programs Training and Technical Assistance Forum / Listening Session Contact information Tedd Buelow Acting Native American Coordinator USDA Rural Development (202) Sue Harris-Green Deputy Director MFH Direct Loans/Grants (202) Carolyn Bell Chief, Special Programs Branch Single Family Housing Direct Loan Division (202)


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