Single Family Housing Programs

Home funded by USDA Rural Development

Single Family Housing Programs provide homeownership opportunities to low- and moderate-income rural Americans through several loan, grant, and loan guarantee programs. The programs also make funding available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary. Visit the following site for a complete overview: Single Family Housing Programs

California Highlights

2011 Investments
Guaranteed Loans	$699.2 million
Direct Loans	$69.6 million
Home Repair Loan/Grants	$321,658
Self-Help Grants	$11.5 million

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Guaranteed Loan Program

New Loan Submissions-Please submit loans electronically to the following email address: grhloans@ca.usda.gov

Guaranteed Loan Processing Time-
The Guaranteed Rural Housing Loan Program in California is currently experiencing very heavy loan volume. This level of loan activity will likely continue through the end of the current fiscal year which ends September 30, 2012. Current turn time is 4-5 business days for GUS loan submissions and 7-10 business days for manual underwrite submissions. Business days exclude weekends (Saturday and Sunday) and all federal holidays. Please schedule processing times accordingly. Rush requests will not be honored. Loans are reviewed in the order they are received.

"Flipping Rule"- USDA does not have a specific guideline regarding how long the subject property must be owned by the seller. It is the lender's responsibility to insure that the appraised value is based on the most current and accurate data available.

A variety of documents for the Single Family Housing Guaranteed Loan program are listed below for your convenience.

• California Guaranteed Rural Housing Income Limits

• Property Requirements & Existing Inspection Form

• Guaranteed Upfront and Annual Fee Calculator

• Lender's Origination Submission Checklist & RD Form 1980-21

• Lender Servicing Responsibilities

• California Approved Lenders

• How to Become an Approved Lender in California & RD Form 1980-16

• Lender Training

• Contact Us: Where to Submit Guaranteed Loans

Regulations

• Regulation-RD Instruction 1980-D

• Administrative Notices - 1980-D (Complete list of ANs)

• Administrative Notice, No. 4543 (Guaranteed Loan Underwriting and Loan Closing Documentation Matrix)

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Direct Loan & Grant Programs

• California Eligible Areas

• California Income Limits (by county)

A variety of documents for Single Family Housing Direct Loan and Grant Programs are listed below for your convenience.

• Self-Help Housing Regulations

• Regulations - Handbook 3550

• California Supplement 1927-B

• California Supplement 3550

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Single Family Housing Contacts

Bob Anderson, Program Director
430 G Street, Agency 4169, Davis, CA 95616
Phone: (530) 792-5816 | Fax: (530) 792-5838
bob.anderson@ca.usda.gov

Annette Joyer, Specialist
Guaranteed Housing Coordinator
9701 Dino Drive, Suite 170, Elk Grove, CA 95624
Phone: (916) 714-1104 ext. 107
Fax: (916) 714-1118
annette.joyer@ca.usda.gov

Debra Morris, Specialist
Processing Coordinator
430 G Street, Agency 4169, Davis, CA 95616
Phone: (530) 792-5820 | Fax: (530) 792-5838
debbie.morris@ca.usda.gov

Ralph Westlin, Specialist
Servicing Coordinator
430 G Street, Agency 4169, Davis, CA 95616
Phone: (530) 792-5824 | Fax: (530) 792-5838
ralph.westlin@ca.usda.gov

Tamye Binning, Technician
430 G Street, Agency 4169, Davis, CA 95616
Phone: (530) 792-5823 | Fax: (530) 792-5838
tamye.binning@ca.usda.gov