Introduction to USDA's Mutual Self-Help Housing

Self-Help Housing Trainings from HAC’s Conference

Self-Help Housing

There are many potential homeowners who fall short financially but are able to contribute time and labor toward the construction or rehabilitation of their homes.

The self-help housing model helps bridge the gap in housing affordability by having participant families work together to build their homes. Instead of requiring a down payment, the prospective homeowners contribute their own labor to the project. When these families work together, they learn valuable construction skills and build a sense of community with their neighbors.

These five workshops, first recorded at HAC’s Virtual National Rural Housing Conference, provide an overview of the self-help housing process, how it works, and information on how local organizations can incorporate it into their efforts.

This session provides an overview of USDA’s Mutual Self-Help Housing program. It covers funding possibilities, regulation requirements, and the grant application process, as well as eligible grant uses, program development, staffing needs, and feasibility.

USDA-supported self-help housing rehab activities (acquisition/rehab and owner-occupied rehab) can be viable additions to affordable housing work. This session is designed for organizations currently active in the program as well, as those considering it. Workshop leaders share the latest instructions and guidance governing rehab activities and show before-and-after pictures of self-help projects. The discussion focuses on challenges, successes, and best practices in delivering the program. The audience was able to ask questions about the impacts of COVID. One of the presenters shares the key to the self-help method with a quote.

“Helping people help themselves benefits the participants and the community while making better use of scarce resources.”

In this session, experts present information on recent improvements to SHARES for group coordinators. Workshop leaders also provide an overview of how to use e-Forms for submitting Section 502 and 504 applications. A nonprofit marketing specialist provides strategies for how to use social media, email marketing, and design to share about your work with self-help programs. Self-help grantees are encouraged to share their updates on https://www.selfhelphousingspotlight.org/.

Learn what’s new in Section 502 loan packaging and how to avoid common errors and omissions that cause delays in processing 502 loan applications. This session will help packagers improve the quality and completeness of applications to get faster loan closings for families.

5 challenges in 502 Packaging

  1. Significant Delinquencies, how credit worthiness impacts application processing and what can be done to streamline this step.
  2. How to account for full-time student income and student loan debt.
  3. COVID’s impact on calculating income and how to account for variations.
  4. What forms of verification are acceptable and what can a packager use to verify application details?
  5. What has COVID’s impact been on budgets and materials and how to best incorporate them into the loan process?

The coronavirus pandemic’s cost overages, material delays, and numerous other challenges have intensified the need for leveraged funds in self-help housing programs. Learn how leveraged funds can not only increase affordability and resources for applicants, but also build an organization’s capacity and control. Leveraging can also better position an organization for program diversification to address community needs.

Rural Housing Awards 2021

HAC Celebrates Rural Housing at the 2021 National Rural Housing Conference

As part of the 2021 National Rural Housing Conference, the Housing Assistance Council (HAC) recognized individuals and/or organizations that have, through their continued work and or newly established initiatives, made a positive and lasting impact to affordable housing in rural America.
The Covid pandemic was a paradigm shift that tested the strength, and temerity of communities across the country and one that centered housing, not just as a critical human need, but as a human right. Acknowledging the difficulty of the past year and the many associated inequities revealed, HAC seeks to honor those that leaned into the challenges to create positive impacts in rural America. In doing so, HAC has invited nominations for both individuals and/or organizations who have made outstanding and enduring contribution to affordable housing in rural America. Having faced a number of impediments from a common enemy, and all working towards the betterment of society, HAC seeks to recognize positive contributions from the smallest grassroots and on-the-ground housers and practitioners, to the highest elected offices in the US.
Out of long list of nominees, the Housing Assistance Council is proud to announce the following selectees for a 2021 Rural Housing Service Award:
This award is in recognition of your distinguished service in housing for the rural poor, steadfast commitment to rural communities, and outstanding contributions to those in greatest need in the most rural of places. Please join us in recognizing these esteemed friends of rural America!

Watch the Awards

Past Recipients of Rural Housing Awards

 

The Daily Yonder: USDA Seeks Equity in Housing…

The Daily Yonder reports from the 2021 HAC National Rural Housing Conference on President & CEO David’s Lipsetz’s interview with USDA Secretary Tom Vilsack.

USDA Seeks Equity in Housing, Less Extractive Rural Economies, Secretary of Ag Says

by Kristi Eaton
December 1, 2021

According to Secretary of Agriculture Tom Vilsack, the U.S. Department of Agriculture is incorporating an equity commission to review its activities, a move meant to provide greater equality and fairness in a department that has not always lived up to that.

Vilsack was interviewed during the 2021 National Rural Housing Conference. Put on by the Housing Assistance Council (HAC), a national nonprofit that supports affordable housing efforts throughout rural America, it provides below-market financing for affordable housing and community development, technical assistance and training, research and information, and policy formulation.

Need Help Logging in to the 2021 Conference?

How to access the 2021 Virtual Rural Housing Conference

Get the Conference App here. If you’re already registered, you will use the Conference App to access the conference sessions. NOTE: The App is the portal to all conference plenary sessions and workshops. You can install it on your phone, though you’ll probably want it on your computer for better viewing.

Need more guidance?

The National Rural Housing Conference participant support team is here to help. Reach out via telephone at (202) 516-6271 or email at NRHCsupport@ruralhome.org.

Trying to decide whether to register?

View conference details here.

 

Keynote Speakers Announced for HAC’s Virtual National Rural Housing Conference

The 2021 National Rural Housing Conference will include thought provoking Plenary Keynotes featuring national policymakers and other industry leaders! As we celebrate our 50th Anniversary, Keynotes will focus on and establishing a forward leaning agenda for the future of rural housing and community development.

Rev. Dr. William J. Barber, II

The Rev. Dr. William J. Barber II is the President & Senior Lecturer of Repairers of the Breach, Co-Chair of the Poor People’s Campaign: A National Call For Moral Revival; Bishop with The Fellowship of Affirming Ministries; Visiting Professor at Union Theological Seminary; Pastor of Greenleaf Christian Church, Disciples of Christ in Goldsboro, North Carolina, and the author of four books: We Are Called To Be A Movement; Revive Us Again: Vision and Action in Moral Organizing; The Third Reconstruction: Moral Mondays, Fusion Politics, and The Rise of a New Justice Movement; and Forward Together: A Moral Message For The Nation.

Rev. Dr. Barber is also the architect of the Moral Movement, which began with weekly Moral Monday protests at the North Carolina General Assembly in 2013 and recently relaunched again online in August 2020 under the banner of the Poor People’s Campaign. In 2018, Rev. Dr. Barber helped relaunch the Poor People’s Campaign, which was begun by Rev. Dr. Martin Luther King Jr. in 1968, starting with an historic wave of protests in state capitals and in Washington, D.C., calling for a moral agenda and a moral budget to address the five interlocking injustices of systemic racism, systemic poverty, the war economy and militarism, ecological devastation, and the false moral narrative of Christian nationalism. There are currently 45 state coordinating committees across the country, mobilizing around the Poor People’s Jubilee Platform and We Must Do M.O.R.E. (mobilize, organize, register, and educate people for a movement that votes).

On June 20, some 2.5 million tuned in on Facebook alone for the campaign’s Mass Poor People’s Assembly & Moral March on Washington, which originally was scheduled as an in- person event but switched to digital because of the COVID-19 pandemic. Thousands of others watched and listened on C-SPAN and other media.

A highly sought after, speaker, Rev. Dr. Barber has given keynote addresses at hundreds of national and state conferences, including the 2016 Democratic National Convention. He has spoken to a wide variety of audiences including national unions, fraternities and sororities, motorcycle organizations, drug dealer redemption conferences, women’s groups, economic policy groups, voting rights advocates, LGBTQ equality and justice groups, environmental and criminal justice groups, small organizing committees of domestic workers, fast food workers, and national gatherings of Christians, Muslims, Jews, and other people of faith. Rev. Dr. Barber spoke at the Vatican City, 2017 in response to Pope Francis’s Encyclic to the Bishops of the Church, “ENCYCLICAL LETTER LAUDATO SI’ OF THE HOLY FATHER FRANCIS ON CARE FOR OUR COMMON HOME” and on June 18, 2018 Rev. Dr. Barber spoke before the 5th Uni Global Union World Congress to more twenty-five countries during which time he was added to Black Achievers Wall in the International Slavery Museum in Liverpool, England. Rev. Dr. Barber has been conferred upon ten Honorary Degrees.

Rev. Dr. Barber served as president of the North Carolina NAACP, the largest state conference in the South, from 2006 – 2017 and severed on the National NAACP Board of Directors from 2008 – 2020. A former Mel King Fellow at MIT, he is currently Visiting Professor of Public Theology and Activism at Union Theological Seminary and is a Senior Fellow at Auburn Seminary. Rev. Dr. Barber is regularly featured in media outlets such as MSNBC, CNN, New York Times, Washington Post, and The Nation Magazine, among others. Rev. Dr. Barber was named one of 2020’s BET 100 Entertainers and Innovators, as a Social Justice Warrior and he is one of the 2019 recipients of the North Carolina Award, the state’s highest civilian honor.  He is the 2018 MacArthur Foundation Genius Award recipient and Franklin D. Roosevelt Four Freedoms Award and 2015 recipient of the Puffin Award.

Secretary Macia L. Fudge, U.S. Department of Housing and Urban Development

Secretary Marcia Fudge

Secretary Marcia L. Fudge is the 18th Secretary of the U.S. Department of Housing and Urban Development.

Throughout her career, Secretary Fudge has worked to help low-income families, seniors, and communities across the country.

Secretary Fudge served as U.S. Representative for the 11th Congressional District of Ohio from 2008 to March 9, 2021. She was a member of several Congressional Caucuses and past Chair of the Congressional Black Caucus. As a Member of Congress, Secretary Fudge earned a reputation of tackling the unique challenges of her district by working with her Congressional delegation and across political ideologies.

In 1999, Secretary Fudge was elected the first female and first African American mayor of Warrensville Heights, Ohio, a position she held for two terms. As mayor of Warrensville Heights, Ohio, she adopted one of the first vacant and abandoned property ordinances in the state. She worked with local officials to develop a taskforce to protect against predatory lending and she secured the inclusion of property maintenance grants in the Warrensville Revitalization Action Plan. Additionally, she brought new residential development to the city and addressed the city’s growing foreclosure crisis through the formation of a local partnership that helped residents maintain the financial security needed to buy or keep a home. As a former mayor, Secretary Fudge has seen firsthand the need for economic development and affordable housing. She prioritized improving the City’s tax base and expanded opportunities for affordable housing.

Secretary Fudge believes our housing issues do not fit into a one-size-fits-all approach. We need policies and programs that can adapt to meet a community’s unique housing challenges. She is committed to making the dream of homeownership – and the security and wealth creation that comes with it – a reality for more Americans.

Under Secretary Fudge’s leadership, the Department of Housing and Urban Development will work to eradicate the growing homelessness issue, put an end to discriminatory practices in the housing market, and ensure that our fair housing rules are doing what they are supposed to do: opening the door for families who have been systematically locked out for generations to buy homes and have a fair shot at achieving the American dream.

Secretary Fudge’s career in public service began in the Cuyahoga County Prosecutor’s Office, rising to the rank of Director of Budget and Finance. She earned her bachelor’s degree in business from The Ohio State University and law degree from the Cleveland State University Cleveland-Marshall School of Law. She is a Past National President of Delta Sigma Theta Sorority, Inc., and a member of its Greater Cleveland Alumnae Chapter.

Topic: Equity is a stated priority for the new Administration, including racial equity and equity for underserved and persistently poor rural areas. Secretary Fudge will share updates on HUD’s rural housing priorities, the historic levels of pandemic housing assistance, and the challenges and opportunities federal programs experience in serving rural places.

Secretary Tom Vilsack, U.S. Department of Agriculture

Secretary of Agriculture Tom Vilsack

Thomas J. Vilsack was confirmed as the 32nd United States Secretary of Agriculture on Feb. 23, 2021 by the U.S. Senate. He was nominated by President Joe Biden to return to a role where he served for eight years under President Barack Obama.

Under Secretary Vilsack’s leadership, the U.S. Department of Agriculture is building back better by restoring the American economy, strengthening rural and historically underserved communities, responding to threats of climate change, creating good-paying jobs for American workers and the next generation of agricultural leaders, and investing in our kids and our families.

Secretary Vilsack is spearheading a transformation of the food system by creating more, better, and fairer markets and ensuring that the food system of today and the future is more resilient and more competitive globally. It will also offer consumers affordable, nutritious food grown closer to home.

From excessive drought to more extreme fires, our producers, farmers and ranchers are on the frontlines confronting the challenges associated with climate change. USDA is engaging the agriculture and forestry sectors in voluntary, incentive-based climate solutions to improve the resiliency of producers and to build wealth that stays in rural communities. Additionally, USDA is advancing investments in science and research to offer producers a toolbox to adapt to and mitigate climate change.

Secretary Vilsack continues to take bold, historic action to reduce barriers to access for historically underserved communities. By working to ensure all aspects of civil rights and equity are integrated, USDA is rooting out generations of systemic racism and building systems and programs inclusive of all USDA employees and customers.

Secretary Vilsack is also focused on ensuring Americans have consistent access to safe, healthy, and affordable food. USDA is investing in bold solutions that enhance food safety, improve the various far-reaching and powerful nutrition programs in the Department, and reduce food and nutrition insecurity in America.

Vilsack was the longest-serving member of President Obama’s original Cabinet. Prior to his appointment, he served two terms as the Governor of Iowa, served in the Iowa State Senate and as the mayor of Mt. Pleasant, Iowa. He received his bachelor’s degree from Hamilton College and his law degree from Albany Law School in New York.

Prior to returning to USDA, he served as president and CEO of the U.S. Dairy Export Council (USDEC) from 2017 until February 2021. There, he provided strategic leadership and oversight of USDEC’s global promotional and research activities, regulatory affairs and trade policy initiatives. In addition to his post at USDEC, he also served as a Strategic Advisor to Colorado State University’s food and water initiatives.

A native of Pittsburgh, Penn., Vilsack was born into an orphanage and adopted in 1951. After graduating from law school, Vilsack moved to Mt. Pleasant, Iowa, his wife Christie’s hometown, where he practiced law. The Vilsacks have two adult sons and two daughters-in-law—Doug, married to Janet; and Jess, married to Kate. They have five grandchildren.

Vilsack has been honored for his public service and work to advance American agriculture by several organizations, including the Congressional Hunger Center and the Global Child Nutrition Foundation. He is a former member of the board of directors for GenYOUth as well as Feeding America, a nationwide network of more than 200 food banks that feed more than 46 million people through food pantries, soup kitchens, shelters, and other community-based agencies.

Whip James Clyburn (D-SC)

Representative James Clyburn

James E. Clyburn is the Majority Whip, the third-ranking Democrat in the United States House of Representatives, and currently serves as the Chairman of the House Select Subcommittee on the Coronavirus Crisis. He is also the Chairman of the Rural Broadband Task Force and Democratic Faith Working Group.

When he came to Congress in 1993 to represent South Carolina’s sixth congressional district, Congressman Clyburn was elected co-president of his freshman class and quickly rose through leadership ranks. He was subsequently elected Chairman of the Congressional Black Caucus, Vice Chairman, and later Chairman, of the House Democratic Caucus. He previously served as Majority Whip from 2007 to 2011 and served as Assistant Democratic Leader from 2011 to 2019.

As a national leader, he has championed rural and economic development and many of his initiatives have become law. His 10-20-30 federal funding formula was included in four sections of the American Recovery and Reinvestment Act and has been expanded to 18 accounts in recent years. Congressman Clyburn is also a passionate supporter of historic preservation and restoration programs. His efforts have restored scores of historic buildings and sites on the campuses of historically black colleges and universities. His legislation created the South Carolina National Heritage Corridor and the Gullah/Geechee Cultural Heritage Corridor, elevated the Congaree National Monument to a National Park, and established the Reconstruction Era National Monument in South Carolina’s Lowcountry.

Congressman Clyburn’s humble beginnings in Sumter, South Carolina as the eldest son of an activist, fundamentalist minister and an independent, civic-minded beautician grounded him securely in family, faith and public service. His memoir, Blessed Experiences: Genuinely Southern, Proudly Black, was published in 2015, and has been described ‎as a primer that should be read by every student interested in pursuing a career in public service.

Congressman Clyburn and his late wife, Emily England Clyburn, met as students at South Carolina State and were married for 58 years. They are the parents of three daughters; Mignon Clyburn, Jennifer Reed, and Angela Clyburn and four grandchildren.

Topic: Whip James Clyburn has been a champion for areas of persistent poverty for decades and will be sharing his work to address the needs of persistently poor rural communities, and to advance rural affordable housing and community development.

Representative Maxine Waters (D-CA)

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Chairwoman Maxine Waters

Congresswoman Maxine Waters is considered by many to be one of the most powerful women in U.S. politics today. She has gained a reputation as a fearless and outspoken advocate for women, children, people of color, the poor, veterans, and seniors. Congresswoman Waters has been dubbed “Aunty Maxine” by millennials who appreciate her advocacy and understanding of issues important to them.

Elected in November 2020 to her sixteenth term in the U.S. House of Representatives with more than 70 percent of the vote in the 43rd Congressional District of California, Congresswoman Waters represents parts of Los Angeles including the communities of Westchester and Playa Del Rey, the unincorporated areas of Los Angeles County comprised of Lennox, West Athens, West Carson, Harbor Gateway, El Camino Village, and Watts. The 43rd District also includes the diverse cities of Gardena, Hawthorne, Inglewood, Lawndale, Lomita and Torrance.

Congresswoman Waters made history as the first woman and first African American Chair of the House Financial Services Committee. An integral member of Congressional Democratic Leadership, Congresswoman Waters serves as a member of the Steering & Policy Committee and is the Co-Chair of the bipartisan Congressional Task Force on Alzheimer’s Disease. She is also a founding member of the Congressional Progressive Caucus, and member and past chair of the Congressional Black Caucus.

Topic: The past two years have been a historically busy time in Congress, and Chairwoman Maxine Waters has been a champion for housing – including rural housing – throughout the pandemic recovery and infrastructure negotiations. She will join us to share updates on her work and new available resources for rural housing.

Registration for Virtual National Rural Housing Conference Coming Soon

A Message from HAC’s President & CEO

We’ve had a remarkable year here at the Housing Assistance Council and look forward to finishing the year in that same fashion with HAC’s National Rural Housing Conference, scheduled to take place virtually on November 30 – December 3, 2021. This year’s virtual format will allow us all to reconnect and gather safely, regardless of location. With an exciting and full schedule of workshops and new virtual gathering spaces, the Conference will offer attendees a premier opportunity to learn from experts and connect with the entire affordable housing industry.

We will host more than 30 workshops and stakeholder convenings—covering topics including best practices for rural housing and community development, resource development, organizational management, and creative placemaking. This conference offers an excellent opportunity to connect with federal agencies, national housing organizations, and on-the-ground practitioners from across rural America. For many, this conference represents the year’s only opportunity to connect directly with federal policymakers, program experts, friends around the affordable housing industry and others who share their interests in a thriving rural America.

Registration opens soon. Be on the lookout for our announcement so you can reserve your place as we gather for HAC’s 2021 National Rural Housing Conference. We look forward to connecting with you this December!

Warm Regards,

David Lipsetz
President & CEO

Fed Chair talks strong economy and rural poverty at HAC Conference

Federal Reserve Board of Governors chairman Jerome Powell addressed the HAC Rural Housing Conference on December 6, 2018. Chairman Powell discussed the strength of the economy while acknowledging that not everyone has enjoyed the benefits of the strong economy equally.

conf-2018-powell“While the economy is strong overall, we recognize that some communities have yet to feel the full benefits of the ongoing expansion,” Powell said.

During his speech, Chairman Powell praised the work of the community development functions in each of the 12 Federal Reserve banks and what their work means for local communities. He stressed the importance of the Community Reinvestment Act (CRA) and praised HAC’s research on the subject as beneficial to the Fed’s plans around potential CRA reform.

He closed his remarks by acknowledging the work of community development organizations like HAC’s partners in improving rural communities across the country. He stressed that their work is critical to expand the benefits of the strong economy into more rural areas.

Press Coverage:

Fed Chair talks strong economy and rural poverty at HAC Conference

Federal Reserve Board of Governors chairman Jerome Powell addressed the HAC Rural Housing Conference on December 6, 2018. Chairman Powell discussed the strength of the economy while acknowledging that not everyone has enjoyed the benefits of the strong economy equally.

conf-2018-powell

“While the economy is strong overall, we recognize that some communities have yet to feel the full benefits of the ongoing expansion,” Powell said.

During his speech, Chairman Powell praised the work of the community development functions in each of the 12 Federal Reserve banks and what their work means for local communities. He stressed the importance of the Community Reinvestment Act (CRA) and praised HAC’s research on the subject as beneficial to the Fed’s plans around potential CRA reform.

He closed his remarks by acknowledging the work of community development organizations like HAC’s partners in improving rural communities across the country. He stressed that their work is critical to expand the benefits of the strong economy into more rural areas.

Press Coverage:

Federal Reserve Chairman Jay Powell to speak at HAC Conference

powell jerome PUBThe Housing Assistance Council is pleased to announce that Jay Powell, Chairman of the Federal Reserve Board of Governors will provide remarks at the upcoming HAC Rural Housing Conference.

Jerome H. Powell took office as Chairman of the Board of Governors of the Federal Reserve System on February 5, 2018, for a four-year term. Mr. Powell also serves as Chairman of the Federal Open Market Committee, the System’s principal monetary policymaking body. Mr. Powell has served as a member of the Board of Governors since taking office on May 25, 2012, to fill an unexpired term. He was reappointed to the Board and sworn in on June 16, 2014, for a term ending January 31, 2028.

Prior to his appointment to the Board, Mr. Powell was a visiting scholar at the Bipartisan Policy Center in Washington, D.C., where he focused on federal and state fiscal issues. From 1997 through 2005, Mr. Powell was a partner at The Carlyle Group. Read more

For more information on the conference or to register, visit https://www.cvent.com/d/rgqxcd.

Senator Cortez Masto to speak at HAC Conference

Catherine Cortez Masto official portraitThe Housing Assistance Council is pleased to announce that Senator Catherine Cortez Masto (NV) will provide remarks at the upcoming HAC Rural Housing Conference.

Born and raised in Las Vegas, Catherine Cortez Masto has spent her career fighting for Nevada’s working families. She served two terms as Attorney General of Nevada and, in November 2016, became the first Latina and the first woman from Nevada ever elected to the United States Senate.

During her time as Nevada’s top prosecutor, Cortez Masto became well known as an advocate for seniors, women, and children. She worked closely with local law enforcement to keep Nevada’s communities safe. She also created a senior protection unit to safeguard older Nevadans from identity theft, exploitation, and abuse. Read more

For more information on the conference or to register, visit https://www.cvent.com/d/rgqxcd.