1. Resources and Strategies
Infrastructure
Resources and Strategies

2. Types of Infrastructure
Power Lines
Gas Lines
Water/Sewer
Curbs and Gutters
Roads
Sidewalks
Storm Sewer
Retainage Basins
Community Facilities

3. Infrastructure
Before any project gets underway, you should plan the type and layout needs of the project.
You should be sure of the funding sources and the cost of the infrastructure needs.
You should make sure you can recover your costs by appropriately assigning those costs to the price points of each home.
You should have completed your marketing and pipeline development.

4. Title VI of NAHASDA
HUD will require that the loan be made by a qualified lender
Loans may be used for new development of affordable housing and related infrastructure
HUD will provide a guarantee that is equal to the current Tribal NAHASDA block grant, less the amount required to maintain current assisted stock, multiplied by five years
In any event the guarantee will only cover 95% of the outstanding principal and accrued interest
Tribe will have to pledge its Block Grant for repayment
There is a requirement that HUD will review the ability of the borrower to engage in successful development

5. Title VI Financial management ability
HUD will also require the following
Details about the Economic Qualifications of Eventual Homeowners
How the Project Complies with NAHASDA Regulations
Environmental Assessments
Details of the Infrastructure Planned
Land Ownership Review
Lender will Require their own Underwriting Requirements Including:
Appraisals
Financial Stability

6. ICDBG Can be used for all infrastructure costs Highly competitive
Single purpose grant issued by HUD (ONAP) from set aside in the Block Grant Program
Must meet a community identified need
At least 51% of residents within the area of use of funds must be Low or Moderate Income Residents
Average Size of Recent Grant Awards:

7. ICDBG Average Size of Recent Grant Awards New Mexico
Jicarilla Apache Housing Authority
Dulce
$825,000
Ohkay Owingeh Housing Authority
Ohkay Owingeh
Pueblo de Cochiti Housing Authority
Cochiti Pueblo
$605,000

8. ICDBG https://www.hud.gov/sites/documents/2017ICDBGNOFA_MOD.PDF
Due Date of 2017 NOFA was 5/18/2017
Awards in 2017 as high as 1.9 million

9. Federal Home Loan Bank
Two Programs that can be used for Infrastructure-AHP and PGP
AHP must benefit Households at or lower than 80% of Area Median Income
Can be used for Construction and Infrastructure
12 Regional FHLB’s. The one covering New Mexico is at Dallas. The one covering Arizona is San Francisco
Application must be through a member bank
FHLB’s set their priorities through an Implementation plan

10. Federal Home Loan Bank Funds can be used for: Acquisition
Down payments and closing costs
Refinance an existing loan (provided that the equity proceeds are used for the development of AHP-eligible housing)
Rehabilitation or construction costs
Homebuyer education and counseling, if the household purchases an AHP- assisted home

11. Federal Home Loan Bank
The Bank awarded $7 million in grants to 19 affordable housing projects. Awards ranged in size from $200,000 to $500,000
Annual Application
Highly Competitive
Need a Member of the FHLB of Dallas to apply
CENTURY BANK100 S FEDERAL PL SANTA FE, NM 87501Phone:
SOUTHWEST CAPITAL BANK CENTRAL AVENUE, SW ALBUQUERQUE, NM Phone:

12. Federal Home Loan Bank
NUSENDA FEDERAL CREDIT UNION
4100 PAN AMERICAN FREEWAY, NEALBUQUERQUE, NM 87107Phone:
SANDIA AREA FCU
8000 PALOMAS AVENUE NEALBUQUERQUE, NM 87109Phone:

13. Federal Home Loan Bank
The Dallas bank has an additional program called the PGP
Funds can be used for infrastructure related activities connected with these topics
Architectural studies
Environmental Reviews
Grants are made on a 3:1 basis where a member bank makes a contribution which is matched by the FHLB of Dallas

14. Indian Health Services
Indian Health Services (HIS) provides funds for the construction of water supply and sewage facilities and solid waste disposal systems. It also provides technical assistance for the operation and maintenance of these facilities.
These services are provided by the IHS Division of Sanitation Facilities Construction (DSFC). DSFC will also supervise the actual construction of water, wastewater, and solid waste facilities.
Engineers from DSFC also inspect water, wastewater, and solid waste facilities in order to ensure that Tribal communities have access to safe drinking water.

15. Indian Health Services
DSFC funds a wide variety of community and individual projects that relate to housing. Projects may be managed by the IHS directly or they may be managed by a tribe that has been authorized to do so. Project types have included: 
Those that have provided sanitation facilities for new homes. These projects typically serve Indian homes being constructed or rehabilitated by funding provided through the Bureau of Indian Affairs Home Improvement Program or Department of Housing and Urban Development (DHUD) block grants.
Other new home projects financed by other subsidies

16. Indian Health Services
Specifically, in addition to funding, these services can be provided:
Professional environmental engineering such as the review of engineering plans and specifications for sanitation facilities whether the project is funded by IHS or not. TA services that can be provided include:
(1) selecting appropriate alternatives (for example, those affordable to operate and maintain)
(2) soils testing,
(3) surveying
(4) preparing drawings,
(5) preparing specifications and other contract documents
(7) managing the construction

17. USDA RUS Water/Sewer
USDA RUS has $4 billion in loans and $1 billion in grants for rural communities, including federally recognized Tribes in rural areas, for water and wastewater system improvements as of mid July of this year. The program promotes the availability of clean and reliable drinking water systems, sanitary sewage disposal, sanitary solid waste disposal, and storm water drainage to households and businesses in eligible rural areas.
Funds may be used to finance the acquisition, construction or improvement of:
Drinking water sourcing, treatment, storage and distribution
Sewer collection, transmission, treatment and disposal
Solid waste collection, disposal and closure
Storm water collection, transmission and disposal

18. USDA RUS Water/Waste Water
In some cases, funding may also be available for related activities such as:
Legal and engineering fees
Land acquisition, water and land rights, permits and equipment
Start-up operations and maintenance
Interest incurred during construction
Purchase of facilities to improve service or prevent loss of service
Other costs determined to be necessary for completion of the project

19. USDA Water/Sewer Terms include up to a 40 year amortization.
Interest rates are fixed and are based on the need for the project and the median household income of the area to be served. Funding is based on a mix of loans and grants that are affordable to the project.
Borrowers must show all required Tribal approvals, including sign off by Tribal leadership as required.
Leveraging with other governmental and private resources is a plus
Projects must be financially sustainable.

20. USDA W/S Guarantee Program
A Federal Loan guarantee program that encourages private lenders to provide affordable financing for water and waste water systems
Private lenders may apply for a loan guarantee on loans they make to eligible borrowers who are otherwise unable to obtain commercial credit on reasonable terms.

21. USDA Guarantee Guarantees are made up to 90% of the loan amount.
Interest rates are negotiated between the lender and the borrower, subject to USDA approval. Rates can be either fixed or variable
Up to 40-year payback period, based on the useful life of the facilities financed.
Balloon payments are prohibited.
Tribal leadership must support the project.

22. USDA Technical Assistance
This TA program provides technical assistance and training in the preparations for dealing with water and waste problems. It helps applicants prepare applications for water and waste disposal loans/grants. Tribal entities must:
Be Federally recognized tribes in rural areas
And Tribal leadership must be supportive
Specifically it can provide the following assistance
To identify and evaluate solutions to water problems related to source, storage, treatment, distribution, collection, treatment and disposal.
To provide technical assistance and training to improve management, operations and maintenance of water and waste disposal systems.
To prepare water and waste disposal loan and grant applications.

23. USDA Technical Assistance
The project period for these grants is one year starting Oct. 1 and ending Sept. 30.
Applicant contributions must be used before USDA grant funds.
This is a reimbursement grant.
Grants are subject to the availability of funds.

24. Bureau of Indian Affairs (BIA) Tribal Transportation Program (TTP)
TTP provides funds for planning, designing, construction, and maintenance activities for all public roads. The program is jointly administered by the Federal Highway Administration’s Federals Lands Highway Office (FHWA) and the BIA, Division of Transportation, which is the BIA office administering the TTP
Once project is funded and completed it is placed in the inventory of BIA roads
At this point in time, limited funds have created at least a three to five year waiting list for funding

25. State Programs
The New Mexico Economic Development Department’s Community Development Revolving Loan Fund (CDRLF). Loans are available for projects which stimulate job creation and prosperity and may be used for infrastructure improvements, acquisition of real property, construction, rehabilitation, public facilities, and other real property investments. Maximum loan amount is $250,000 per project.
NM Public Project Revolving Fund (PPRF) The PPRF funds infrastructure and capital equipment projects with low-cost and low-interest rate loans. The key characteristics of the PPRF is that all participating borrowers, regardless of their creditworthiness, receive ‘AAA’ insured interest rates; among the lowest interest rates available in the market.
Kathy McCormick, , X Assistance/ruralResources/index.html

26. New Mexico Tribal Infrastructure Fund
Can be used by all Federally recognized tribes, nations and pueblos in New Mexico.
Each project is evaluated under a scoring system that emphasizes need.
is awarded funds through the 13-person Tribal Infrastructure Board, which is administratively attached to the New Mexico Indian Affairs Department.
te.nm.us/documents/TRIBAL%20INFRASTRUCTURE%20FUND_FY18.pdf awards that have been made include:

27. New Mexico Tribal Infrastructure Fund
TRIBAL INFRASTRUCTURE FUND (TIF) 2018 AWARDS – 9 PROJECTS
Isleta Pueblo
Village Sewer Line Improvement Project Construction $1,241,847.00
Mexican Springs Chapter
Deer Springs Road Improvement - (County Road 270C) Construction $1,139,627.00
Zia Pueblo
Pueblo of Zia Wastewater Lagoon Expansion Design $200,000.00
Baca Chapter
Baca Water System Improvements Project Construction $311,350.00

28. New Mexico Tribal Infrastructure Fund
Casamero Lake Chapter
Construction of McKinley County Road 19 Construction $1,209,101.00
Tohajiilee Chapter
To'hajiilee Water System Improvements Project Construction $1,320,000.00
Jemez Pueblo
Jemez Pueblo Water Improvements Project Construction $1,320,000.00
Santa Clara Pueblo
Water and Wastewater System Improvements - Pumpkin Road Construction $770,000.00
Tesuque Pueblo
Wastewater Expansion Project Construction $1,320,000.00

29. Innovations Use Existing Infrastructure San Felipe Examples
Private Bonds
Obstacles
NIMBY
Interdepartmental Conflict
Current Housing Needs of HA or TDHE