1. USDA Rural Development

2. -- Improving the quality of life -- Increasing economic opportunity

3. What we offer Financing for –Community facilities –Water and sewer systems –Business development –Renewable Energy –Housing Loans, guaranteed loans, grants Technical assistance Service offered from offices throughout the state Experienced staff

4. Community Programs Enhance economic opportunities and quality of life for rural Texans Funding programs that create or improve telecommunications community facilities, and water and wastewater systems. In FY 2015- available funds - $69 million Community Facility funds $56 million Water and Waste funds $400 million Electric, Broadband and Telemedicine Community Facilities Loans, Grants and Guaranteed Loans Water and Wastewater Disposal Direct Loans, Grants and Guaranteed Loans Emergency Community Water Assistance Grants Distance Learning & Telemedicine Loans & Grants Broadband & Telecom Loans & Grants a

5. Community Programs Facilities, equipment and related expenses Health care – hospitals, clinics, nursing homes, group homes Public buildings – courthouses, city hall, township buildings Public safety – ambulances, fire trucks, fire stations, sirens Infrastructure – sidewalks, streets, lighting, accessibility Public services – libraries, child care, community centers Communities up to 20,000 people No maximum loan limits Guarantees up to 90% Combined financing options

6. Community Programs Utilities Water, waste and storm sewer systems –Communities with up to 10,000 people –Low interest rates –40 year term –No loan limit –Extensive technical assistance

7. Community Programs Utilities Electricity –generation, transmission and distribution Telecommunication services –911 service, digital switching, fiber optic, traditional systems Broadband Distance learning Telemedicine

8. Create rural job opportunities Facilitate the development of rural business Improve economic development Increase the energy efficiency of rural businesses FY 2015 - available funds $62 million for guarantees $2.9 million for energy efficiency improvements Business & Industry Guaranteed Loans Renewable Energy & Energy Efficiency Loans & Grants Rural Business Development Grants Value-Added Producer Grants Intermediary Relending Program Rural Economic Development Loans & Grants Rural Cooperative Development Grants Business Programs Young’s Greenhouse benefits directly from the Renewable Energy for America Program.

9. Business Programs Guaranteed Business Loans –Up to $25 million –Up to 80% of the loan –Long term fixed or variable interest rates –Extended repayment terms –Low fees –Secondary market options We are your business partner

10. Business Programs Financing for Non-profits and public bodies - Revolving loan programs - Small business development Electric and telephone cooperatives - Rural economic development Ag producers and small business - Renewable energy and energy efficiency Ag producers and cooperatives -Value-added - Small minority producers

11. HousingPrograms Housing Programs Ensure rural community members have access to safe, well built, affordable homes. Funds can be used to build, renovate or repair a home Fiscal Year 2014-over $800 million invested in rural Texas Over 6,700 families became homeowners Rural Housing Guaranteed Loans Rural Housing Direct Loans Housing Repair Loans & Grants Multi-Family Housing Guaranteed Loans Multi-Family Rental Assistance Housing Preservation Grants

12. Housing Programs 100% financing for new and existing homes Guaranteed Home Loans –Work with local lenders –No monthly mortgage insurance –No maximum purchase price Direct Home Loans –Work with Rural Development –Low and very low income limits –Fixed below market interest rates Not just for first time homebuyers

13. Housing Programs Home Repair Loans –Very low income limits –$20,000 loan limit –1% interest for 20 years Home Repair Grants –$7,500 lifetime limit –At least 62 and unable to repay a 1% loan –Repairs for health, safety and accessibility Available for owner occupied homes

14. Rural Development- Committed to the Future of Rural Communities For more information on Rural Development Programs and local office contacts, visit: http://www.rd.usda.gov/tx