TOP STORIES

House approves FY23 funding for USDA, HUD, others.

On July 20 the House passed a minibus appropriations bill, approving funding levels for several federal agencies including USDA and HUD. The Senate has not yet begun actions on FY23 appropriations, and a continuing resolution is expected to be needed to begin the fiscal year on October 1, 2022.

USDA considers Buy America waivers.

USDA proposes to waive Build America, Buy America (BABA) Act requirements for small awards, small parts of larger awards, and minor components of infrastructure projects financed by the department. Comments are due by August 2 to sm.OCFO.ffac@usda.gov. These waivers would be in effect for five years. USDA did not include any RD housing or community facilities programs on an initial list of programs that finance infrastructure, but it does mention multifamily housing and CF in the new waiver proposal, indicating it may be considering some of these activities to be infrastructure. (USDA has also requested the BABA requirements be suspended for all Rural Development-financed activities for six months.) For more information, contact Tyson Whitney, USDA, 202-720-8978. HAC has posted a summary of BABA requirements and their status, along with comments HAC submitted to HUD about its implementation of the law.

CDBG-Disaster Recovery authorization measure passes.

On July 14 when the House passed H.R. 7900, the FY23 National Defense Authorization Act, it included (p. H6599) an amendment that would permanently authorize HUD’s Community Development Block Grant-Disaster Recovery program. Authorization could make the program’s funding more predictable and reliable. The provision must be adopted by the Senate as well in order to become law.

RuralSTAT

Sixty counties in metropolitan areas have limited banking options, compared to 399 counties outside metro areas. Source: HAC tabulation of FDIC data.

OPPORTUNITIES

Veterans housing repair grants available.

Nonprofit organizations offering nationwide or statewide programs that primarily serve veterans or low-income individuals are eligible for the Veterans Housing Rehabilitation and Modification Pilot Program from HUD and VA. Grants may be used to modify or rehabilitate eligible veterans’ primary residences or to provide grantees’ affiliates with technical, administrative, and training support related to those services. Apply by August 24. For more information, contact Jovette Bryant, HUD, 877-787-2526.

HAC offers rural creative placemaking grants.

HAC’s 2022 Creative Placemaking for Rural Initiative, under USDA’s Rural Placemaking Innovation Challenge Initiative, will provide support and technical assistance to create and implement innovative placemaking strategies. USDA RD defines placemaking as a collaborative process among public, private, philanthropic, and community partners to strategically improve the social, cultural, and economic structure of a community. For more information, contact HAC staff, cpr@ruralhome.org.

CDFI Fund extends Equitable Recovery Program deadline.

The CDFI Equitable Recovery Program will make awards to certified Community Development Financial Institutions to expand lending, grant making, and investment activity in low- or moderate-Income communities and to borrowers, including minorities, that have significant unmet capital or financial services needs and were disproportionately impacted by the COVID-19 pandemic, and to enable CDFIs to build organizational capacity to accomplish these activities. Applications are now due September 22. For more information, contact CDFI Fund staff, erp@cdfi.treas.gov, 202-653-0421.

REGULATIONS AND FEDERAL AGENCIES

Housing advocates push for more fundamental changes to the Community Reinvestment Act.

Shelterforce offers a roundup of feedback about the proposed CRA rule. Including explicit references to race, imposing stronger requirements for small banks serving rural areas, and making bank data available to the public are suggested. The deadline to submit comments is August 5.

Updated FAQs address Emergency Rental Assistance.

The Treasury Department has updated its Frequently Asked Questions on Emergency Rental Assistance for pandemic-impacted tenants. Among the changes, new answer 44 makes clear that ERA administrators may not impose additional eligibility criteria, including employment or job training requirements, as a condition of providing ERA assistance. Other new posts on the ERA site include a notice regarding ERA1 recapture for Tribal governments.

HUD proposes temporary Fair Market Rent calculation changes.

HUD’s methodology for calculating Fair Market Rents relies on the American Community Survey, but the Census Bureau is not releasing 2020 ACS data because of the pandemic’s impacts on data collection, so HUD proposes to changes the way it calculates FMRs for FY23.  Comments are due August 12. For more information, contact Adam Bibler, HUD, 202-402-6057.

Manufactured home code amendments suggested.

HUD proposes to adopt amendments to the Federal Manufactured Home Construction and Safety Standards, along with relevant regulations and installation standards, recommended by the Manufactured Housing Consensus Committee. Comments are due September 19. For more information, contact Teresa B. Payne, HUD, 202-402-2698.

USDA announces fees for some guaranteed loans.

FY23 fee rates will be effective October 1 with applications for guaranteed loans under USDA Rural Development’s Community Facilities, Water and Waste Disposal, Business and Industry, and Rural Energy for America programs. These fees may be adjusted after passage of final FY23 appropriations. For more information, contact Michele Brooks, USDA, 202-690-1078.

PUBLICATIONS AND MEDIA

Report quantifies “housing underproduction.”

Housing Underproduction™ in the U.S. 2022, published by Up for Growth, reports that the U.S. needed 3.8 million more homes in 2019, twice as many as in 2012. The report includes some rural data and some at the state level – noting, for example, that the extent of underproduction and the reasons for it vary from place to place – although it emphasizes metropolitan areas. The writers propose policy changes, but say that “socially vulnerable communities” need different, more targeted approaches.

Recommendations offered for building rural outdoor recreation economies.

Rural Outdoor Recreation Economies: Challenges and Opportunities, from the Aspen Institute Community Strategies Group, suggests tactics including collaborations, careful planning, workforce training, and requiring short-term rentals to be owner-occupied.

Survey found rising evictions in HUD properties.

A National Housing Law Project survey of legal aid attorneys found that in many places evictions in HUD-assisted housing are returning to pre-pandemic levels or higher. Tenants with housing vouchers have fared worse than tenants in public housing. Although HUD provided ways to adjust rents quickly, it did not require PHAs to use them and also did not require PHAs or voucher holders’ landlords to apply for emergency rental assistance, so many did not. The survey report includes recommendations for improvement.

Rural prosperity lessons summarized.

Learning Through Collaboration: Field Leaders Drive Critical Conversations, a post on the Aspen Institute’s community development blog, describes the work and learnings on equitable rural prosperity developed through the Rural Opportunity and Development (ROAD) collaboration among the Aspen Institute Community Strategies Group, HAC, the Rural Community Assistance Partnership, Rural LISC, and the Federal Reserve Board. For more information, contact Devin Deaton, Aspen Institute.

Some LIHTC properties have below market rents after leaving the program.

Low-Income Housing Tax Credit (LIHTC) at Risk examines the risks of expiring LIHTC restrictions and the outcomes for properties that exit the program. Freddie Mac researchers found that about 61% of units that left the LIHTC program remained affordable for tenants with incomes at 60% of area median. The analysis did not include properties outside metropolitan areas because they were considered to have a lower risk of exiting.

HAC

HAC seeks Training Coordinator; Portfolio Manager, Self Help Housing; and Loan Officer, Rental Preservation.

• The Training Coordinator will support the successful management and delivery of HAC’s training activities as well as its biennial National Rural Housing Conference. The role requires strong logistical training events experience, exceptional attention to detail, and a passion for creating high-quality training events for attendees. This position is eligible for telecommuting.
• The Portfolio Manager, Self Help Housing, is responsible for asset management, monitoring, and reporting for a portfolio of primarily self-help housing loans made to rural affordable housing entities throughout the U.S. These responsibilities include SHOP grant management and compliance activities. This position is eligible for telecommuting.
• The Loan Officer, Rental Preservation, conducts rental housing lending and preservation technical assistance activities. This work includes marketing, originating, and underwriting new loan transactions. The Loan Officer also provides hands-on technical assistance to nonprofits that are seeking to acquire and preserve existing USDA-financed (Section 515) rental developments. This position is eligible for telecommuting.

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

Want to reprint a HAC News item?

Please credit the HAC News and provide a link to HAC’s website. Thank you!

 

TOP STORIES

House proposes increasing some rural housing funding.

On June 23, the House Appropriations Committee approved a bill to fund USDA for fiscal year 2023, which begins on October 1, 2022. The measure would provide less funding for several rural housing programs than the administration’s budget requested. It would increase the Section 515 rental housing program and the MPR rental preservation program above current levels, but not as much as the administration proposed. It would raise the Rural Community Development Initiative capacity building program from this year’s $6 million to $8 million in FY23 rather than the $12 million USDA requested. The House bill does not adopt USDA’s proposal to “decouple” the Section 521 Rental Assistance program from the Section 515 and 514/516 programs, a change that would allow properties to continue to receive RA after their USDA mortgages end. Like USDA’s budget, the House bill would expand USDA’s pilot program for Native American mortgage lending, which provides funds to Native CDFIs to be reloaned to homebuyers. More details are available on HAC’s website.

House HUD appropriations bill proposes new vouchers and new manufactured housing program.

The House’s draft FY23 HUD funding bill would increase the department’s total funding above both its FY22 level and the amount requested in the administration’s budget. The House Appropriations Committee estimates the bill would fund more than 140,000 new housing vouchers and approximately 5,600 new units for seniors and persons with disabilities. It would provide $500 million for a new Manufactured Housing Improvement and Financing Program to preserve and revitalize manufactured homes and their communities (including pre-1976 mobile homes). It would also set aside $50 million in HOME funds for down payment assistance for first-time, first-generation home buyers. More details are available on HAC’s website. The House Transportation-HUD appropriations subcommittee will hold a markup on June 23 and the full House Appropriations Committee is scheduled to consider the bill on June 30.

Rural setaside included in major new HUD homeless funding initiative.

On June 22 HUD announced a $365 million Initiative for Unsheltered and Rural Homelessness. The funds will be distributed through Continuums of Care and public housing authorities; the application deadline for COCs is October 20. The initiative includes $54.5 million in CoC program grants designated for rural communities, prioritizing places that have high need but a history of being unable to access CoC grants. HUD is using congressionally granted authority to expand the eligible uses for these funds. Another $267.5 million will be targeted to 20-40 communities with high incidences of unsheltered homelessness. Finally, $43 million – approximately 4,000 new incremental vouchers – will be allocated to PHAs with a priority for those that are partners in comprehensive community approaches to solve homelessness. More details are available on HAC’s site.

Inequality widening despite some good news in overall housing markets, says annual study.

Higher interest rates are cooling the demand for market-rate housing and rental construction is increasing, but the affordability crisis is not likely to improve for lower-income households and households of color, according to a new State of the Nation’s Housing 2022 report from the Joint Center for Housing Studies at Harvard University. Purchases of second homes add to the stress in rural areas, JCHS reports, although remote work is less common now than earlier in the pandemic. The paper also notes that the existing housing stock needs investment to meet the demands of the aging population and the threats posed by climate change.

Rural Voices celebrates HAC.

With the title 50 Years of HAC, the latest issue of HAC’s Rural Voices magazine celebrates this milestone anniversary by considering the past 50 years while focusing on the next 50. It revisits some of the many rural communities in which HAC has worked, and it features visions of the future from rural places and rural housing leaders around the country.

RuralSTAT

Seven of 10 rural bankers in the Midwest described their local economy as expanding at the beginning of 2022, while only 6.7% indicated that their local economy was in a modest economic downturn. Source: Survey by Creighton University’s Heider College of Business.

OPPORTUNITIES

USDA offers water system funding.

• The Rural Decentralized Water Systems Grant Program enables nonprofits and Tribal lending institutions to create revolving loan funds or make sub-grants to low-income homeowners who need assistance constructing, refurbishing, or servicing household water well or wastewater systems. This program can be used in places with populations of up to 50,000. Applications are due July 31. For more information, contact Lola Maratita, USDA, 615-714-8883.
• The Revolving Fund Program makes grants to nonprofits to create revolving loan funds to build and improve water and wastewater disposal systems operated by state and local governmental entities, nonprofits, and Tribes in places with populations of 10,000 or less. Applications are due July 31. For more information, contact a local USDA RD office.

Lead hazard reduction and research funds announced.

• HUD’s Lead Hazard Reduction Program funds efforts to identify and control lead-based paint hazards in privately owned rental or owner-occupied housing. Local governments, some state governments, and some Tribes are eligible, and consortium applicants may include nonprofits. Apply by August 8. For more information, contact Yolanda Brown, HUD, 202-903-9576.
• The Lead and Healthy Homes Technical Studies Grant Program funds state, local, and Tribal governments, nonprofit and for-profit entities, and others to conduct studies to improve knowledge of housing-related health and safety hazards and to improve or develop new hazard assessment and control methods. Applications are due July 17. For more information, contact Kofi Berko, Jr., HUD, 202-402-7696.

Creative placemaking grants available from NEA.

Our Town or Nuestra Ciudad, the creative placemaking grants program of the National Endowment for the Arts, offers grants from $25,000 to $150,000 with a 1:1 match requirement. The program supports activities that integrate arts, culture, and design into local efforts to advance local economic, physical, or social outcomes. These projects require a partnership between a nonprofit organization and a local government entity, with one of the partners being a cultural organization. The first part of the application is due August 4. For more information, contact NEA staff, OT@arts.gov.

USDA 502 packaging class offered online.

This upcoming Section 502 Direct Certified Loan Packager Course is full, but the waitlist remains open! HAC will present a virtual five-day advanced course on July 25-29 preparing participants to take the loan packaging certification exam for USDA’s Section 502 direct loan program. This course is for those experienced in utilizing Section 502 and/or other affordable housing mortgage products. The registration fee is $500. For more information, contact HAC staff, registration@ruralhome.org, 202-516-6271.

REGULATIONS AND FEDERAL AGENCIES

Input requested on proposed inspection standards.

Comments are due August 1 on inspection standards that will become part of implementing HUD’s proposed rule on National Standards for the Physical Inspection of Real Estate (NSPIRE), aligning housing quality requirements and inspection standards across programs. HUD is also suggesting changes to its previously proposed list of life-threatening conditions and incorporating them into the NSPIRE inspection standards. For more information, contact Marcel M. Jemio, HUD, 202-708-1112.

HUD to create Tribal advisory committee.

HUD requests comments on its planned creation of a Tribal Intergovernmental Advisory Committee, to be made up of duly elected Tribal leaders representing small, medium, and large federally recognized Tribes. The committee is intended to further communications between HUD and federally recognized Tribes on HUD programs, make recommendations and provide advice to HUD, and encourage peer learning and capacity building among Tribes and non-Tribal entities. Comments are due August 22. For more information, contact Heidi J. Frechette, HUD, 202-402-7598.

Changes in fair lending oversight recommended.

A Government Accountability Office review found problems in the Office of the Comptroller of the Currency’s oversight of national banks’ compliance with fair lending laws. Fair Lending: Opportunities Exist to Enhance OCC’s Oversight of Banks’ Lending Practices explains that OCC made major process changes in 2018, after which the number of fair lending exams of smaller banks dropped sharply. It also used outdated examination guidance, examiners sometimes followed procedures inconsistently, and it did not assess the effects of its process changes. GAO reports that OCC has planned actions to address its recommendations.

Pilot aims to assist farmworkers and employers.

USDA has announced it will work with other federal agencies to develop a pilot program that will address challenges both workers and employers face in using the H-2A visa program and will improve working conditions for both U.S. farmworkers and H-2A workers. USDA plans to consult stakeholders and the United Farm Workers of America as it develops a competitive pilot program for launch ahead of the growing season in early 2023.

PUBLICATIONS AND MEDIA

Interactive graphics show relief aided renters during pandemic but underlying issues remain.

Relief Measures Reduced Hardship for Renters During Pandemic, but Many Still Struggle to Pay Rent in Every State, developed by the Center on Budget and Policy Priorities, shows how relief measures such as the national eviction moratorium and the Emergency Rental Assistance program reduced hardship for renters, but only temporarily. People of color and families with children, as well as low-income residents in the Southeastern U.S., were most likely to fall behind on rent payments.

3D-printed homes to be developed in rural Virginia.

Project Virginia will develop 200 3D-printed homes in Virginia to serve as workforce housing. The first two are being built in Pulaski, in a region seeing high growth for tech jobs. Project developer Alquist 3D anticipates that 3D-printed homes will help ease affordability issues as more jobs move in.

HAC

HAC seeks Loan Officer for Rental Preservation and Housing Specialist – Native American Communities.

• The Loan Officer, Rental Preservation, conducts rental housing lending and preservation technical assistance activities. This work includes marketing, originating, and underwriting new loan transactions in the Loan Fund Division. The Loan Officer also provides hands-on technical assistance to nonprofits that are seeking to acquire and preserve existing USDA-financed (Section 515) rental developments. This position is eligible for telecommuting.
• The Housing Specialist – Native American Communities is responsible for providing direct technical assistance, coaching, and training to tribal communities, tribal housing departments, tribal housing authorities, and nonprofit organizations serving tribal communities. Travel is required. This position is eligible for telecommuting.

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

Want to reprint a HAC News item?

Please credit the HAC News and provide a link to HAC’s website. Thank you!

TOP STORIES

White House releases housing supply plan.

Citing burdensome housing costs and a shortfall of available units, on May 16 the Biden-Harris Administration released a Housing Supply Action Plan that includes administrative and legislative proposals to improve existing housing finance mechanisms. It also calls on Congress to establish a Housing Supply Fund and incentivize zoning reform to accelerate the building of more housing nationwide. HAC’s statement on the plan applauds the administration for designing and including several provisions specifically with rural markets in mind.

Rural homelessness bill passes House committee.

The House Committee on Financial Services approved several bills on May 18 including the Flexibility in Addressing Rural Homelessness Act, H.R. 7196. The bill, introduced by Reps. Cindy Axne (D-IA) and Frank Lucas (R-OK), would give rural Continuums of Care more flexibility in using their funding, allowing them to pay for short-term emergency lodging, including in motels or hotels; repairs to make existing housing habitable; and capacity building.

Senate subcommittee hears Torres Small on rural housing.

On May 25, USDA Under Secretary for Rural Development Xochitl Torres Small appeared at a hearing titled Examining the U.S. Department of Agriculture’s Rural Housing Service, held by the Senate Banking Committee’s Housing Subcommittee. Her testimony focused on the importance of the funds and actions proposed in the administration’s budget request, including the Rural Partnership Program and support for rental preservation efforts. USDA will need $10 billion in the MPR preservation program by 2033 to preserve 137,000 units, she said; without “robust funding,” USDA will lose 333,780 of its approximately 400,000 rental units by 2050. Questions from Senators attending the hearing recognized the need for these units, the positive potential of the Section 502 Single Family Housing Direct Loan Relending Program for Native Americans, and opportunities to improve agency processes, staffing, and technology.

Vilsack appears before Senate committee.

USDA Secretary Tom Vilsack was the only witness at a May 26 Senate Agriculture Committee hearing on Opportunities and Challenges Facing Farmers, Families, and Rural Communities, which focused primarily on agriculture topics. Responding to Senators’ questions, Vilsack expressed a commitment to equity for Black and underserved stakeholders, support for immigration reform including the H-2A visa program, and intentions to hire additional Rural Development field staff if Congress appropriates the necessary funding.

Manufactured housing hearing set for May 26.

The House Transportation-HUD Appropriations Subcommittee is holding a hearing May 26 on Manufactured Housing: Supporting America’s Largest Unsubsidized Affordable Housing Stock, with HAC’s Director of Research and information, Lance George, among the witnesses. His testimony explains the importance of manufactured homes as affordable housing in rural America and the challenges facing manufactured housing residents, owners, and communities. It suggests that new research is needed to inform evidence-based solutions and that Congress could help address pressing challenges by providing grants for land acquisition by resident owned cooperatives, other mission-focused nonprofits, and public sector housing agencies, as well as financing for individual homeowners.

RuralSTAT

More than half of all manufactured homes are located in rural areas around the country and manufactured homes make up 14% of all occupied homes in rural and small-town communities. Source: Housing Assistance Council tabulations of the U.S. Census Bureau’s 2016-2020 American Community Survey.

OPPORTUNITIES

Housing Preservation Grants available.

USDA will make Section 533 Housing Preservation Grants to nonprofits, state and local governments, and tribes for repair or rehabilitation of rental or owner-occupied housing for low- and very low-income rural residents. Preapplications are due July 11. For more information, contact a USDA Rural Development State Office.

HUD offers service coordinator funds.

Nonprofits, PHAs, tribes, Tribally Designated Housing Entities, and resident associations can apply by July 18 for Resident Opportunity and Self-Sufficiency Service Coordinator grants to hire staff who assess the needs of public and Indian housing residents and link them to training and supportive services. For more information, contact HUD’s ROSS Program Office, 202-402-3624, ROSS-PIH@HUD.gov.

Owners of USDA-funded properties invited to host summer meals.

Rental housing and Community Facilities sites funded by USDA Rural Development can host the Summer Food Service Program operated by the Food and Nutrition Service for low-income children and teens. Local sponsoring organizations prepare the meals and deliver them. For more information, contact USDA Summer Food Service Program staff.

REGULATIONS AND FEDERAL AGENCIES

Census reports on accuracy of state-level data.

The Census Bureau’s Post-Enumeration Survey, one of the tools used to evaluate the accuracy of the 2020 Census, estimated there were no statistically significant undercounts or overcounts of population in 36 states and D.C., undercounts in six states, and overcounts in eight. Reliable estimates are not available for demographic characteristics or geographic areas within states. In March, Census reported estimated national undercounts for renters and Black or African American, American Indian or Alaska Native, some other race, and Hispanic or Latino populations, as well as children under age 5 and working age men. The remainder of the PES estimates, including results for housing units, and undercount and overcount rates for Puerto Rico, are expected to be released this summer.

Family Self-Sufficiency program changes implemented.

HUD has published a final rule putting 2018 legislative changes into effect for the Family Self-Sufficiency program. Revisions include expanding the definition of eligible families to include tenants of privately owned multifamily properties with Project-Based Rental Assistance. PHAs and property owners must comply with this rule by November 14. For more information related to public and Indian housing, email questions to FSS@hud.gov; related to privately owned properties, email MF_FSS@hud.gov.

Thompson confirmed as FHFA director.

On May 25, the Senate confirmed Sandra L. Thompson to serve a five-year term as director of the Federal Housing Finance Agency. She has been the agency’s acting director since June 2021.

Placemaking toolkit offered.

USDA and the University of Kentucky’s Community and Economic Development Initiative of Kentucky have created a digital Rural America Placemaking Toolkit intended to help rural leaders build placemaking plans. It covers conducting assessments, provides examples of placemaking projects, and includes information about technical assistance providers, funders, and resources.

Guidance covers design/build and construction management for USDA Community Facilities.

Replacing earlier guidance that has expired, USDA explains the process of obtaining agency approval for use of design/build or construction management services for Community Facilities projects. While USDA allows for the contracting of such all-in-one services, when the contract exceeds $250,000 prior approval must be obtained from the National Office. For more information, contact a USDA Rural Development State Office.

USDA tenant data shows emergency aid dramatically reduced cost burden.

USDA’s annual report on the characteristics of tenants in Section 515 and 514 properties shows that in October 2021 there were 108 fewer Section 515 properties and 25 fewer farm labor housing properties than in 2020, a total reduction of 1,709 units. The average household income rose by 3.78% to $14,665. Tenant households receiving Section 521 Rental Assistance saw a 7.13% increase in income to $12,501. The number of resident households paying more than 30 percent of their income for rent fell sharply from 41,121 in 2020 to 3,227 in 2021. USDA attributed this 92% decrease to the emergency rental assistance funds made available because of the coronavirus pandemic.

PUBLICATIONS AND MEDIA

Wildfire risk calculated across the U.S.

First Street Foundation has developed a model to estimate the risk of wildfire on a property-by-property basis across the U.S. now and up to 30 years in the future. Reports by the New York Times and Washington Post use First Street’s data to create interactive maps and graphics. First Street’s online Risk Factor tool also includes information about flood risk.

Local nonprofit capacity impacted distribution of pandemic rent aid.

An Uneven Housing Safety Net: Disparities in the Disbursement of Emergency Rental Assistance and the Role of Local Institutional Capacity, published by the Terner Center for Housing Innovation at the University of California at Berkeley, explores county-level take-up of federal Emergency Rental Assistance funding along with data about local governmental and nonprofit capacity, preexisting economic hardship, and pandemic-related impacts on employment. Researchers found that, while ERA is reaching many eligible households, counties that had higher levels of economic distress before the pandemic and where local nonprofit networks are less resourced also had relatively lower ERA take-up rates. Many of these counties are outside metropolitan areas.

Rural data helps address persistent poverty.

Filling the Data Gap in Rural America, written by Partners for Rural Transformation and published by Forbes, highlights how HAC works to increase access to data about rural America to better address rural housing challenges and persistent poverty.

Study describes rural Missouri renters’ concerns.

The State of Missouri Tenants: Listening to Tenants in America’s Heartland and a related podcast report on interviews with rural renters around the state conducted by KCTenants in 2021. While physical housing conditions and costs were the problems mentioned most often statewide, researchers found differences based on type of housing. In privately owned apartment complexes and manufactured home parks, affordability was the biggest tenant concern. In public housing (where rents are limited based on income), housing conditions were the major problem. Tenants who were Black or other people of color reported a higher incidence of problems than those who were white.

Iowa county’s growth plan: increase Latino population.

A Rural County in Iowa That Supported Trump Turns to Latinos to Grow, a Washington Post story, describes efforts in rural Greene County, Iowa to address chronic population decline by recruiting Latino residents. The county has jobs available, is trying to address a shortage of housing, and plans to educate residents about their new neighbors.

Guide covers partnerships for rural healthcare.

A Playbook for New Rural Healthcare Partnership Models of Investments, released by the Build Healthy Places Network, is intended to assist healthcare organizations that want to pursue partnerships with local community and economic development and other sectors in rural areas to create the community conditions that support improved community health.

Preparing for weather emergencies saves lives.

10 Tips for Rural Dwellers to Prepare for Emergencies, an article from Next Avenue, provides advice for rural residents to get ready for natural disasters. In addition to stocking up on supplies, food, and equipment, the author recommends creating a communication plan for your family and networking with your community.

HAC

HAC seeks Housing Specialist and Community Placemaking Manager.

• The Housing Specialist is based primarily in either the Southwest or Western states (within two hours of a major airport) and works with local partner organizations to identify financial resources and funding opportunities to support the preservation and development of affordable housing and community and economic development strategies specifically throughout expanses of Southwest and/or Western rural America. This position is remote location eligible.
• The Community Placemaking Manager helps rural residents use their unique artistic and cultural resources to guide local development and shape the future design of their communities. The manager will cultivate the capacity of partner organizations and local communities, facilitate peer-to-peer learning engagements, manage day-to-day program functions and activities, communicate program success, and prepare funding applications. Travel is required. This position is telecommuting eligible.

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

Vol. 51, No. 9

TOP STORIES

Rural Partners Network launched.

A new “whole-of-government” effort led by USDA, the Rural Partners Network is intended to help rural communities access government resources and funding to create jobs, build infrastructure, and support long-term economic stability. USDA staffer Lee Jones has been named RPN’s executive director. Field staff will be placed in rural communities, starting with selected places in Georgia, Kentucky, Mississippi, and New Mexico, as well as certain tribes in Arizona. Additional efforts in Nevada, North Carolina, Puerto Rico, West Virginia, Wisconsin, and tribal communities in Alaska are planned to launch by the end of August and USDA hopes to expand eventually into all states, as well as more tribes and territories. For more information, contact RPN staff.

CFPB reports on rural banking access.

The Consumer Financial Protection Bureau, which recently announced a new initiative on rural financial issues, has published Data Spotlight: Challenges in Rural Banking Access. CFPB found that rural Americans rely on physical bank branches and smaller banks, though many lack access to physical branches; rural Americans are less likely to have a credit history and more likely to use non-bank credit, resulting in rural consumers paying more for credit; and medical debt affects rural access to credit, housing, and employment.

HAC lists its appropriations priorities.

As the FY 2023 appropriations process gets underway, HAC is supporting a variety of rural and tribal housing funding priorities for capacity building, rural rental preservation, and rural and tribal homeownership.

RuralSTAT

Small family farms operated 48% of U.S. farmland in 2020, down from 52% in 2011. They accounted for only 20% of production by value in 2020, while large-scale family farms (those with $1 million or more in gross cash farm income) yielded 46% of the total value of production. Source: USDA Economic Research Service.

OPPORTUNITIES

New round of farmworker housing funding announced.

On May 16 USDA will open its third application round for off-farm new construction funding from the Section 514/516 loan and grant programs. USDA will hold a webinar on May 11 to discuss the application process and the program. Preapplications will be due July 15. For more information, contact Abby Boggs, USDA, 615-490-1371.

HAC offers rental preservation financing.

USDA recently issued a Notice of Solicitation of Applications regarding its “no cost debt deferral” through the Multifamily Preservation and Revitalization program for Section 515 and 514 properties that have an obligation date after 10/1/1991. USDA will defer loan payments for 20 years to free up property funds for rehabilitation and improvements. Lower debt service payments will allow properties to leverage new financing or accumulate additional reserves for larger improvements. HAC has flexible, low-cost financing available for properties seeking debt deferrals through this program. Please reach out to Kristin Blum or Alison Duncan if you need financing for your Section 515 or 514 property or have questions on preservation of these properties.

Webinars to cover subdivision development for affordable housing.

Subdivision development is a complex undertaking that requires both a vision of what is possible and an eye for detail throughout the entire process. HAC offers a three-part webinar series, covering the process from start to finish, the financial risks and rewards for rural housing organizations, and more. The webinars are free and recordings will be posted online. Session 1: An Overview was held April 27. Session 2:  From Project Inception Through Land Acquisition is scheduled for May 11. Session 3:  From Land Acquisition to Completion will be on May 25.

Rural placemaking conference announced.

USDA and the University of Kentucky will hold a Placemaking in Small & Rural Communities Online Conference on May 23-24. Presenters will address rural placemaking strategies and provide placemaking resources, including a new interactive digital toolkit.

“Rural Talks” hybrid sessions planned.

Rural LISC will present webinars, with limited in-person attendance available in Washington, DC, on three rural community development topics: Broadband and Infrastructure on May 10-11, Housing on July 13-15, and Workforce and Small Business on December 7-9.

REGULATIONS AND FEDERAL AGENCIES

New USDA appointees have rural housing experience.

Tom Carew, formerly with Fahe and Frontier Housing, has been appointed USDA Rural Development State Director in Kentucky. Michele Weaver, whose background includes work with the Rural Community Assistance Corporation, was named RD State Director in Utah. HAC has posted a list of all USDA RD State Directors appointed by President Biden to date. These positions do not require Senate confirmation.

VA mortgage program for Native Americans needs improvements, study says.

The Department of Veterans Affairs’ Native American Direct Loan program has made relatively few loans, reports the Government Accountability Office in Native American Veterans: Improvements to VA Management Could Help Increase Mortgage Loan Program Participation. In addition to steps VA has already taken to strengthen the program, GAO recommends better data collection and performance measurement, planning, and working with other VA offices, federal agencies, and local organizations with applicable experience.

Duty to Serve plans accepted.

After twice requesting revisions, the Federal Housing Finance Agency has accepted the plans submitted by Fannie Mae and Freddie Mac for meeting their 2022-2024 Duty to Serve obligations. FHFA will review actions taken under the plans to ensure they address the needs of the three DTS underserved markets (manufactured housing, affordable housing preservation, and rural housing).

HUD to review barriers for people involved with criminal justice system.

As part of a broader federal effort to expand opportunities for formerly incarcerated persons, HUD Secretary Marcia Fudge has directed program offices to identify and propose changes to regulations, guidance documents, and other policies that may pose barriers to housing for persons with criminal histories. HUD also established a web page with information on preventing homelessness among people leaving prisons and jails.

Guidance addresses fair housing in rental properties’ marketing and applications.

HUD’s Office of Fair Housing and Equal Opportunity released new guidance on how some marketing, rental application processing, and waitlist management practices can perpetuate segregation or otherwise discriminate, violating fair housing requirements for HUD-subsidized multifamily housing. The guidance is intended to help property owners understand and implement more inclusive practices.

Equity Commission to meet.

USDA’s Equity Commission and its Subcommittee for Agriculture will meet on May 10 and 11. The meetings are open to the public online. For more information, contact Cecilia Hernandez, USDA, 202-913-5907.

Income limits revised.

The annual limits, which determine eligibility for several HUD programs, are effective April 18.

USDA explains which guaranteed loans can use oneRD provisions.

USDA Rural Development has confirmed its regulations for the oneRD Guarantee Loan Program are final as published in December. OneRD provides a standard set of requirements, processes and forms for lenders using the Community Facilities, Water and Waste Disposal, Business and Industry, and Rural Energy for America loan guarantee programs. Some provisions can be used for applications pending review, conditional commitments, and loans made under OneRD since October 1, 2020. For more information, contact Lauren Cusick, USDA, 202-720-1414.

Review notes flaws in USDA decision to move agencies.

A new Government Accountability Office report, Evidence-Based Policy Making: USDA’s Decision to Relocate Research Agencies to Kansas City Was Not Fully Consistent with an Evidence-Based Approach, considers USDA’s 2019 decision to move most Economic Research Service and National Institute of Food and Agriculture jobs from Washington, DC to Kansas City. GAO concludes that “USDA overlooked key evidence, e.g., it didn’t factor in potential costs related to the attrition of staff or the disruption of agencies’ activities due to the relocation. As a result, USDA cannot be sure it made the best choice to meet its objectives.” USDA confirmed last year that it will not disrupt the agencies again by moving them back to Washington, DC.

PUBLICATIONS AND MEDIA

U.S. needs 7 million more homes for lowest-income renters.

The National Low Income Housing Coalition’s annual publication, The Gap: A Shortage of Affordable Homes, reports there are shortages in every state. Nationwide, only 36 affordable and available rental homes exist for every 100 extremely low-income renter households (those with incomes below poverty or below 30% of their area median income, whichever is greater). The report concludes that both short- and long-term policy interventions are needed to address the immediate housing impacts of the pandemic and the underlying shortage of affordable housing.

Survey shows risky home financing used by millions.

Briefs from the Pew Charitable Trusts review existing research and report the results of a Pew survey to explore U.S. homebuyers’ use of nonstandard financing such as land contracts, seller-financed mortgages, lease-purchase agreements, and personal property loans. Usage varies by race/ethnicity: 34% of Hispanic borrowers have used alternative financing at some point, as have 23% of non-Hispanic Black borrowers and 19% of non-Hispanic white borrowers. Pew’s analysis notes some of the factors that lead residents of high-poverty rural areas to use alternative financing, including low incomes, the difficulty of mortgaging trust land, the lack of standard mortgage options for low purchase prices, and manufactured homes’ legal status in some places as personal property.

HAC

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).