Expanding Service Coordination in Rural 515 Housing

How HAC and AARP Foundation Are Helping Owners Support Aging and Disabled Residents

Almost 600,000 residents across roughly 12,500 properties call the USDA 515 portfolio home. 30% of these residents, over 180,000, are over the age of 62, and 13% are disabled.  Our rural communities are aging in place, and most residents are navigating these unique challenges alone.  In 2022, USDA Rural Development (RD) began allowing service coordination as a permissible operational expenditure, but this is widely underutilized across the portfolio.  Simply put, most owners and managers of 515 properties are not employing service coordinators.

What are service coordinators?  According to the American Association of Service Coordinators, the role of the service coordinator is to link residents, people with disabilities and low-income families to supportive services and other community resources. They typically have education and experience in social work or human services and are skilled at identifying the needs of the residents within the property management setting.  For elderly and disabled residents, the service coordinator can be the difference between independent living and transitioning prematurely to a skilled facility.  Service coordinators work symbiotically with property management.  They interact with residents individually and coordinate group activities that promote wellness and fellowship.  Service coordinators do not provide direct services.  For example, they won’t clean a resident’s unit, but it is their role to find a capable agency to do so if that is an identified need.

The value of resident service coordination in federally subsidized properties is well-researched, and the positive impact on the lives of residents and performance of the properties are measurable. In 1990, HUD began allowing budget-based service coordination with dedicated grants funded in 1992.  Properties with service coordination often realize an array of benefits including a more stable resident base, less unit turn, better rent collection, and a heightened sense of community.

The AARP Foundation works in conjunction with other senior advocates and recognizes that more service coordination programs would widely benefit residents of USDA’s 515 portfolio.  As a result, in 2024, the foundation awarded Housing Assistance Council (HAC) a grant that affords free technical assistance to 515 property owners and managers.  The grant pays for HAC staff time dedicated to building service coordination programs in elderly-designated 515 properties by utilizing the normal RD budget process.  2025 marked the first year of this three-year grant.  The first cohort (2025) includes six management companies and 68 properties (2,316 units total).  Although progress was slowed by the 2025 government shutdown, owners are advancing towards the end goal of fully instilling service coordination programs at each of the 68 properties.  This includes equipping the companies with training, expertise and infrastructure to support those programs for the long-term.

The first year-long cohort began in 2025 with site visits to many of the 68 properties across several states including West Virginia, Georga, Alabama, Florida, Montana, Idaho, and Indiana.  The most valuable aspect of the site visits was conversing with property managers who conveyed the needs of the residents.  A vast majority of the property managers described encountering resident issues that require social-service intervention, such as poor unit condition, missed rent payments, or general isolation and loneliness.  Even the most well-intentioned property managers simply do not have enough time in their work week to provide the level of assistance needed for many residents.  Some lack expertise, most lack time in the day.  The site visits always ended with optimism that a service coordinator could make a positive impact for everyone-the residents and the property manager alike.

HAC’s technical assistance includes making recommendations on service coordinator program logistics at each property, navigating the budget process and providing budget narratives, and providing ongoing training for management and the initial service coordinator placement.  Year 3 of the grant is dedicated to capturing resident metrics from Cohorts I and II and creating a toolkit that will be scaled so that future interested owners and managers can build service coordination programs autonomously within their 515 properties. Ultimately, HAC will turn the partnership with AARP into a playbook and set of best practices for owners of rural affordable housing to add service coordination to more properties across the nation.

HAC is currently recruiting for Cohort II (2026) and invites interested 515 owners and managers to apply.  An informational session will be conducted in the coming weeks.  Anyone interested in attending should email Angela Shuckahosee at Angela@ruralhome.org or call 216-815-0114.

DEADLINE PASSED: HAC Seeks Proposals for its 2026 Affordable Housing for Rural Veterans (AHRV) Initiative

HAC’s Affordable Housing for Rural Veterans (AHRV) Initiative supports local nonprofit housing development organizations that meet or help meet the affordable housing needs of veterans with low incomes in rural places. Grants typically range up to $30,000 per organization and must support bricks-and-mortar projects that assist low-income, elderly and/or disabled veterans with critical home repair, accessibility modifications, support homeless veterans, help veterans become homeowners, and/or secure affordable rental housing.

HAC’s AHRV Initiative is funded through the generous support of The Home Depot Foundation. Applications are due by 4:00PM (EST) on or before Monday, January 19, 2026. For more information, contact HAC staff, ahrv@ruralhome.org. No phone calls please. Program staff will be available to answer questions during the Grant Funding Opportunity HAC 2026 AHRV RFP Overview webinar on Wednesday, January 7, 2026, at 2PM (ET).

Download the Application Package: Application (WORD) | Application Guidelines

Download Application (WORD) Application Guidelines Register For Webinar

Webinar: Request for Proposals – Overview HAC 2026 Affordable Housing for Rural Veterans

HAC hosted a webinar on January 7, 2026 providing guidance on how to apply for the AHRV program. Access the power point presentation here or view the recording below.

Applications Now Open for HAC’s Service Coordination Technical Assistance Program

We are pleased to announce open applications for the cohort of the Service Coordination Technical Assistance Program.  Thanks to a generous grant from the AARP Foundation, HAC will provide technical assistance to an initial group of 8-10 owners of USDA 515 rental properties to build a resident service coordination program.  We suggest reading the SCTAP Program Overview and Program Implementation Details prior to filling out the application.

Please reach out to Center for Rural Preservation Manager, Seth Leonard, at Seth@ruralhome.org with questions.


2026 SCTAP Program Overview 2026 SCTAP Implementation Details Apply Now

National Rural Housing Conference convenes stakeholders to “Build Rural”

Nearly 600 rural housing practitioners and policymakers came together in Washington, DC on November 4-7 for the 2025 National Rural Housing Conference. Recordings of the plenary sessions are available online, including a discussion with the CEOs of Enterprise Community Partners, Habitat for Humanity International, and NeighborWorks America. Anyone who registered for the conference can access workshop materials and other resources through the conference app or by logging into the Attendee Hub. HAC thanks our many sponsors, scholarship contributors, and partners for helping to make the event possible.


Watch the Opening Plenary Session


A New Path for Self-Help Housing

How Mountain Projects is Pioneering Modular Construction in the USDA 523 Program


For years, Mountain Projects, a Community Action Agency in western North Carolina, has helped families build their homes through the USDA Section 523 Mutual Self-Help Housing Program. The model is familiar to many in rural housing; families come together, working side-by-side to construct each other’s homes, reducing costs and creating a deep sense of ownership.

But even the strongest models evolve. The rising cost of materials, labor shortages, and extended construction timelines have placed new pressures on self-help housing organizations nationwide. Mountain Projects saw an opportunity to modernize the process without changing its core mission.

That opportunity came in the form of modular construction.

In November 2023, Mountain Projects became the first self-help housing grantee in the country to successfully integrate modular homes into the USDA Section 523 program. The first three homes were delivered, set on their foundations, and turned over to participating families to complete their sweat equity work—painting walls, installing flooring, setting cabinets, and making the house their own. Three more are on the way.

This shift was years in the making. And it may be just the beginning.

A Training, a Factory Visit, and a Realization

By 2022, Mountain Projects had been thinking about modular construction for some time. They had already worked with Cardinal Homes, a modular home manufacturer in Virginia, on USDA Section 502 direct-financed homes. But bringing modular into the self-help model required deeper consideration: Would it meet USDA requirements? Could families still contribute meaningful labor? Would it actually save time and money?

In October 2022, staff from Mountain Projects attended a Housing Assistance Council (HAC) training on Smart Building Techniques. One of the stops was at Cardinal Homes, where the group observed the manufacturing of modular homes in a controlled environment, which allows for faster turnaround and fewer weather delays, with a quality comparable to traditional stick-built homes.

Attendees of HAC's Peer Exchange in Richmond, VA tour the Cardinal Homes facility in October, 2022

Attendees of HAC’s Peer Exchange in Richmond, VA tour the Cardinal Homes facility in October, 2022

The visit sparked conversations—not just among housing practitioners but also with Cardinal Homes’ leadership. Could modular self-help housing be a viable path forward? Was there an untapped business opportunity for manufacturers willing to adapt their process?

For Mountain Projects, the visit reinforced what they had already been considering. For Cardinal Homes, it opened the door to a new market. For HAC, it set the stage for a partnership that would help navigate the approvals needed to make it happen.

Making Modular Work for Self-Help Housing

The USDA Section 523 program is based on the idea that families can reduce the cost of homeownership by putting in their own labor. In the traditional model, that means participating in almost every step of construction—from framing and roofing to drywall and final finishes.

Modular construction streamlines home building by assembling the core structure in a factory setting and delivering it partially complete to the site. Families engage in crucial steps both before and after the home arrives. Initially, they prepare the site and lay the foundation, ensuring everything is ready for the arrival of the modular sections. Once the home is set, they participate in the final stages of construction, which include:

  • Painting the interior and exterior
  • Installing flooring and trim
  • Hanging cabinets
  • Installing fixtures

Mountain Projects, HAC, and USDA worked together to ensure that families would still meet program requirements while benefiting from the efficiency of modular housing. The approval process required flexibility, problem-solving, and coordination across local, state, and national USDA offices.

By late 2023, approvals were in place, and Mountain Projects was ready to launch the country’s first modular self-help housing initiative.



Construction Costs vs. Appraised Value

Mountain Projects estimates that the average total construction cost for the first three units was $104,990 each, while their average appraisal value stands at $339,000, demonstrating the affordability and value gained through smart building and value engineering techniques.  We will update this story with additional data as it becomes available.

Challenges, Successes, and a Model for the Future

Like any innovation, the process was not without hurdles.

The first three homes were scheduled for placement earlier in the year, but the siting process was delayed by flooding from Hurricane Helene. When the first units were finally delivered in November, HAC staff were on-site to document the lessons learned. Despite the delay, the homes were quickly placed, and families immediately began their finishing work.

Now, with three homes completed and three more on the way, the project is proving its worth. Construction timelines have been cut nearly in half. Families are moving in sooner. The model is working.

This project raises important questions about the future for other self-help housing grantees. Could modular construction make self-help housing more accessible for communities facing skilled labor shortages? Could it be a solution for disaster recovery housing, where speed is essential? Should USDA create clearer guidelines to streamline approvals for modular self-help projects?

Mountain Projects’ success shows that modular homes can work within the self-help model, but it is not a one-size-fits-all solution. Some grantees may find that upfront costs and financing structures make it challenging, while others may have site constraints that limit modular placement. But in the right circumstances, modular self-help housing could become a key strategy for expanding affordable homeownership in rural America.



A Team Effort

This success was not achieved in isolation but through Mountain Projects’ strong leadership and coordination, supported by a coalition of partners, each contributing their specialized expertise:

  • Mountain Projects: Guided the overall direction. They served as the developer, coordinating the project from start to finish, facilitating bridge financing, and covering costs from initial unit orders to installation until the 502 mortgage repaid the bridge loan.
  • Cardinal Homes: Adapted their manufacturing processes to align with the specific needs of self-help housing.
  • USDA Rural Development (local, state, and national offices): Ensured compliance with all regulatory standards, facilitating approvals necessary for progress.
  • Housing Assistance Council: Provided crucial technical assistance and guidance to support the project’s framework and ensure its success.
  • Florida Nonprofit Housing (Technical Management & Assistance): Provided technical assistance on the Mutual Self-Help Housing program.

Each of these organizations played a pivotal role in demonstrating that modular self-help housing is not only feasible but also a forward-thinking solution, paving the way for future initiatives. Their collaborative efforts showcase the power of partnership in bringing innovative housing solutions to life.


 
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What’s Next?

Mountain Projects will complete three more modular homes by summer 2025, further refining the model and evaluating the impact. Other self-help housing grantees will be watching closely to see how this approach could fit within their own communities.

For modular home manufacturers, this project highlights a new potential market in the self-help housing space. For USDA, it’s an opportunity to consider policy adjustments that make modular self-help housing more accessible.

And for families, it’s a faster path to homeownership—one that still requires their hard work and commitment, but gets them into their homes sooner and at a lower cost.

This is just the beginning.

HAC Seeks Proposals for its 2025 Affordable Housing for Rural Veterans (AHRV) Initiative

HAC’s Affordable Housing for Rural Veterans (AHRV) Initiative supports local nonprofit housing development organizations that meet or help meet the affordable housing needs of veterans with low incomes in rural places. Grants typically range up to $30,000 per organization and must support bricks-and-mortar projects that assist low-income, elderly and/or disabled veterans with critical home repair, accessibility modifications, support homeless veterans, help veterans become homeowners, and/or secure affordable rental housing.

HAC’s AHRV Initiative is funded through the generous support of The Home Depot Foundation. Applications are due by 4:00PM (EST) on or before Tuesday, January 21, 2025. For more information, contact HAC staff, ahrv@ruralhome.org. No phone calls please. Program staff will be available to answer questions during the Grant Funding Opportunity HAC 2025 AHRV RFP Overview webinar on Wednesday, January 8, 2025, at 2PM (ET).

Download the Application Package: Application (WORD) | Application Guidelines

Download Application (WORD) Application Guidelines

Enhance Your Organization’s Impact with HAC’s Upcoming Capacity Building Opportunities

We are thrilled to present the following exciting opportunities for your organization to expand its impact in rural communities through specialized training and technical assistance. Whether you are looking to enhance your capabilities or dive into homeowner rehabilitation, the Housing Assistance Council (HAC) has a program for you!


We are thrilled to present two exciting opportunities for your organization to expand its impact in rural communities through specialized training and technical assistance. Whether you are looking to enhance your capabilities or dive into homeowner rehabilitation, the Housing Assistance Council (HAC) has a program for you!

OneRural Capacity Building Program – Apply Now

Kickstart your organization’s growth with HAC’s OneRural Capacity Building Program. This initiative is specifically designed for nonprofit organizations and Tribally Designated Housing Entities (TDHEs) eager to advance their mission.

Why Participate?

  • Tailored Assistance: Benefit from customized technical support.
  • Exclusive Resources: Access a wealth of training materials and informational guides.
  • Scholarship Opportunities: Enjoy reimbursable scholarships for HAC-sponsored training events.

Act quickly! Applications are reviewed on a rolling basis to ensure timely support for your projects. Apply Now!



Empowering Organizations for Successful Homeowner Rehabilitation – Join Our Learning Cohort

Strengthen your team with our targeted learning series, aimed at nonprofits undertaking homeowner rehabilitation efforts. Supported by HUD’s Rural Capacity Building Program, this cohort will guide you through every step of the rehabilitation process.

Program Features:

  • End-to-End Training: From strategic marketing to project completion.
  • Skill Building: Enhance technical capabilities and strategic approaches tailored to rural, low-income homeowners.
  • Focus Areas: Improve health and safety, increase energy efficiency, and preserve existing housing stock.

Ready to make a greater impact? This is your chance to transform your community one home at a time. Apply now for the cohort!



Let’s Build Stronger Communities Together

Don’t miss these opportunities to elevate your organization’s influence and capacity. For more information and to submit your applications, click the links above.

Request for Applications: Empowering Organizations for Successful Homeowner Rehabilitation

Join the Housing Assistance Council’s Empowering Organizations for Successful Homeowner Rehabilitation learning cohort, specifically designed for organizations embarking on or expanding their homeowner rehabilitation activities. This series, sponsored by HUD’s Rural Capacity Building Program, focuses on strengthening the abilities of nonprofit groups to provide essential rehabilitation services to low-income rural homeowners.

Participants will engage in targeted training sessions that cover every aspect of the homeowner rehabilitation process—from crafting effective marketing strategies to applying the final touches on a project. This curriculum is tailored to equip your team with the necessary technical skills for homeowner rehabilitation, while also deepening their understanding of tailored strategies to meet the unique needs of rural, low-income homeowners. Emphasizing the removal of health and safety risks, enhancing energy efficiency, and preserving existing homes, this program ensures your organization is well-prepared to make a significant impact in your community.

Application Requirements

Applications must be submitted by May 15, 2024, using the form provided. Spaces are limited, and selections will be made based on each applicant’s potential impact and alignment with program goals.

Eligibility and Selection Criteria

Applicants must:

  • Be located in, or provide services to, a non-urbanized area or rural community.
  • Represent a 501(c)(3) nonprofit organization or a local municipality.
  • Be eligible to participate in HUD’s Rural Capacity Building Program.
  • Commit to attending all scheduled training sessions.

Additional Documentation

Applicants meeting the initial criteria will need to submit further documentation to confirm eligibility.

Training Dates and Locations

  • Homeowner Rehabilitation Essentials: Laying the Groundwork for Team Success
    Nashville, TN | June 25-27, 2024
    Tentative
  • Effective Selection and Intake for Homeowner Rehabilitation Projects
    Virtual | July 17, 2024
    Tentative
  • Comprehensive Construction Management: From Inspections to Contractor Oversight in Homeowner Rehab
    Syracuse, NY | August 6-8, 2024
    Tentative
  • Finance Your Homeowner Rehabilitation Program: Leveraging HOME, CDBG, and USDA RD
    Chicago, IL | October 22-24, 2024
    Tentative
  • Blueprints for Success: Best Practices for Growing Your Homeowner Rehabilitation Program
    Visalia, CA | December 3-5, 2024
    Tentative

Financial Support and Compliance Policy

To support participation, eligible individuals can receive a travel scholarship for in-person workshop events. Each eligible participant can receive up to $2,000 per training session to assist with travel and training expenses. Organizations outside the contiguous U.S. may receive an increased allowance of $2,500 per session.

Additional Benefits of Participation:

  • Expert Guidance: Receive hands-on training from experienced professionals in the housing sector.
  • Connect with other professionals, share insights, and build networks.
  • Practical Tools: Gain access to comprehensive resources that prepare you to manage projects from inception to completion.
  • Tailored Learning: Participate in sessions that align with your specific role, ensuring relevance and practical applicability.
  • Community Impact: Empower your organization with the skills to significantly improve housing conditions for underserved populations.

Attendance Requirement:

Consistent participation is essential. Failure to attend all required sessions will lead to forfeiture of the scholarship for future trainings. This policy ensures that participants fully benefit from the program.

We invite you to apply to this transformative journey with the “Empowering Organizations for Successful Homeowner Rehabilitation” program. By participating you can help create inclusive communities and make a lasting impact on the lives of individuals and families in need of safe, healthy, and quality housing. Together, let’s enhance homes and communities for a brighter future.

If you have any questions about this project or the application process, please send an email to apply@ruralhome.org with Homeowner Rehab Cohort in the subject.

HAC is Hiring Housing Specialists (Community Builder)

The Community Builder plays a crucial role in advancing HAC’s mission, engaging in a range of responsibilities and special projects that focus on place, people, and community-based strategies. With a primary emphasis on developing and sustaining the capacity to improve housing and communities in rural areas, the Community Builder provides direct technical assistance, coaching, and training to nonprofit organizations, local and regional government agencies, and others. This role is key in facilitating affordable housing and community and economic development opportunities through state and federal programs.

HAC is seeking to hire six (6) Community Builders, each bringing expertise in one or more of the following areas: Financial Management and Accountability, Real Estate Finance, Construction Management, Housing on Native American Lands, Community and Public Facilities, Homeless Prevention and Assistance, and Homeowner Rehabilitation.

This position is open to candidates located anywhere in the contiguous United States, within a two-hour drive of a major airport, enabling efficient travel as needed.

Read the position description and application instructions.

HAC Seeks Proposals for its 2024 Affordable Housing for Rural Veterans (AHRV) Initiative

HAC’s Affordable Housing for Rural Veterans (AHRV) Initiative supports local nonprofit housing development organizations that meet or help meet the affordable housing needs of veterans with low incomes in rural places. Grants typically range up to $30,000 per organization and must support bricks-and-mortar projects that assist low-income, elderly and/or disabled veterans with critical home repair, accessibility modifications, support homeless veterans, help veterans become homeowners, and/or secure affordable rental housing.

HAC’s AHRV Initiative is funded through the generous support of The Home Depot Foundation. Applications are due by 4:00PM (EST) on or before Monday, January 22, 2024. For more information, contact HAC staff, ahrv@ruralhome.org. No phone calls please. Program staff will be available to answer questions during the Grant Funding Opportunity HAC 2024 AHRV RFP Overview webinar on January 10, 2024, at 2PM (ET).

Download the Application Package: Application (WORD) | Application Guidelines | Webinar Presentation

Download Application (WORD) Application Guidelines Webinar Presentation

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