502 Direct Packaging Program

Low- and very low-income rural residents need opportunities for home ownership, but traditional mortgage financing is too often out of reach. The U.S. Department of Agriculture Rural Development (USDA RD) Single Family Direct Loan Program (502 direct loans) is an affordable alternative that provides subsidized mortgage loans for modest homes in rural areas. The applicants are generally first-time homebuyers.

RCAC is an intermediary and quality assurance reviewer of packaged loan applications for USDA RD’s Section 502 Single Family Housing Direct Loan Program.

RCAC provides training to qualified employers and certified packagers to ensure they are qualified to process loan applications. RCAC also reviews completed loan applications for accuracy and completeness before sending them to USDA RD for approval.

Certified packagers, qualified employers looking for 502 Packaging information – start here:

STEP ONE: Onboarding Questionnaire

After you complete the onboarding questionnaire, please continue to Step Two. For questions, please visit the RCAC 502 Contacts page below to contact Juanita Hallstrom.

STEP TWO: Steps to Package Helpful Links and Publications RCAC State Coverage Map Upcoming 502 Certification Training RCAC 502 Contacts

Potential mortgage applicants

If you are interested in applying for a 502 Direct loan, please contact a qualified employer in your state.

Qualified Employers

Alaska Community Development Corporation
1517 S Industrial Way # 8
Palmer, AK 99645
Phone: (907) 746-5680
Fax: (907) 746-5681
http://www.alaskacdc.org/

Community Financial, Inc.
520 E 32nd Street
Anchorage, AK 99503
Phone: (907) 644-6618
http://cfialaska.org

NeighborWorks Alaska
2515 A Street
Anchorage AK99503
Phone: (907) 677-8490
Fax: (907) 677-8450
http://www.nwalaska.org/

Rural Alaska Community Action Program, Inc.
731 East 8th Avenue
Anchorage, AK 99501
Phone: (907) 279-2511
Fax: (907) 278-2309
https://ruralcap.com/

Campesinos Sin Fronteras
201 N. Bingham Avenue Suite 1
Somerton, AZ 85350
Phone: (928) 627-5995
Fax: (928) 627-1899
http://campesinossinfronteras.org/about-us/promotoras/

Chicanos Por La Causa
1112 East Buckeye Road
Phoenix, AZ 85034
Phone: (602) 257-0700
Fax: (602) 256-2740
http://www.cplc.org/

Comite De Bien Estar
963 East B Street
San Luis, AZ 85349
Phone: (928) 627-8559
Fax: (928) 627-9026
http://www.comiteaz.com/

Community Action Human Resources Agency
109 N Sunshine Blvd.
Eloy, AZ 85131
Phone: (520) 466-1112
Fax: (520) 466-0013
https://housing.az.gov/community-action-human-resources-agency

Housing America Corporation
P.O. Box 600
130 N. State Avenue
Somerton, AZ 85350
Phone: (928) 627-4221
www.housingamericacorp.com/

Native Capital Access (formerly Native Home Capital)
P.O. Box 41690
Mesa, Arizona 85274-1690
2111 East Baseline Road, Suite C2
Tempe, AZ 85283
Phone: (855) 628-2272
Fax: (855) 628-2272
https://nativecapitalaccess.com/

PPEP Microbusiness and Housing Development Corporation
731 N 21st Street
San Luis, AZ 85349
Phone: (928) 627-8050
Fax: (928) 627-8637
http://www.pmhdc.net/

Primavera Foundation
Jim & Vicki Click Training Center
151 W. 40th Street
Tucson, AZ 85713
Phone: (520) 882-5383
Fax: (520) 882-5479
http://www.primavera.org/index_flash.html

Western Arizona Council of Government
208 N 4th Street
Kingman, AZ 86401
Phone: (928) 753-6247
Fax: (928) 753-7038
http://www.wacog.com/index.html

Community Housing Improvement Program
1001 Willow Street
Chico, CA 95928
Phone: (530) 891-4124
Fax: (530) 891-8547
http://www.chiphousing.org/

Habitat for Humanity Sonoma County
3273 Airway Dr, Suite E
Santa Rosa, CA 95403
Phone: (707) 578-7707
https://www.habitatsoco.org/

HomeStrong USA
8711 Monroe Court, Suite A
Rancho Cucamonga, CA 91730
Phone: (909) 758-8971
Fax: (800) 915-3480
http://homestrongusa.org/housing-programs/

Mammoth Lakes Housing, Inc.
P.O. Box 260
587 Old Mammoth Road Suite #4
Mammoth Lakes, CA 93546
Phone: (760) 934-4740
Fax: (760) 934-4724
http://mammothlakeshousing.com/contact/

Neighborhood Partnership Housing Services
9551 Pittsburgh Avenue
Rancho Cucamonga, CA 91730
Phone: (909) 988-5979
Fax: (909) 467-0120
http://nphsinc.org/

NeighborWorks HomeOwnership Center
Sacramento Region (NeighborWorks Sacramento)
P.O. Box 5420
2400 Alhambra Blvd.
Sacramento, CA 95817
Phone: (916) 452-5356
Fax: (916) 431-3209
https://www.nwsac.org/

Northern Circle Indian Housing Authority
694 Pinoleville Drive
Ukiah, CA 95482
Phone: (707) 468-1336
Fax: (707) 468-5615
http://www.nciha.org/

People’s Self-Help Housing Corporation
3533 Empleo Street
San Luis Obispo, CA 93401
Phone: (805) 781-3088
Fax: (805) 544-1901
http://www.pshhc.org/

Quechan Tribally Designated Housing Entity
1860 Sapphire Street
Winterhaven, CA 92283
Phone: (760) 572-0243
Fax: (760) 572-0245

Rural Community Housing Development Corporation
499 Leslie Street
Ukiah, CA 95482
Phone: (707) 463-1975
Fax: (707) 463-2252
http://www.rchdc.org/

Self-Help Enterprises
8445 W. Elowin Court
Visalia, CA 93291
(559) 651-1000
(559) 651-3634
http://www.selfhelpenterprises.org/

Self-Help Home Improvement Project
3777 Meadow View #100
Redding, CA 96002
Phone: (530) 378-6905

Blue Spruce Habitat for Humanity
1520 Evergreen Pkwy
Evergreen, CO 80439
Phone: (303) 674-1127
Fax: (303) 679-0877
http://bluesprucehabitat.org/

Community Resources and Housing Development Corporation
7305 Lowell Blvd., Ste. 200
Westminster, CO 80030
Phone: (303) 428-1448
Fax: (303) 428-1989
http://www.crhdc.org/

Funding Partners
330 S. College Ave., Ste. 400
Fort Collins, CO 80524
Phone: (970) 494-2021
Fax: (970) 494-2022
http://fundingpartners.org/

Habitat for Humanity of Roaring Fork Valley
7025 CO-82 Glenwood
Springs, CO 81601
(970) 945-7733
http://www.habitatroaringfork.org/

Housing Resources of Western Colorado
524 30 Rd #3
Grand Junction, CO 81504
Phone: (970) 241-2871
http://www.hrwco.org/

La Plata Homes Fund, Inc.
124 E. 9th Street
Durango, CO 80301
Phone: (970) 259-1418
Fax: (970) 259-1298
http://homesfund.org/contact-us/

Northeast Colorado Housing Inc.
801 S West Street #25
Fort Morgan, CO 80701
Phone: (970) 542-1221
Fax: (970) 542-1222
http://northeastcoloradohousing.org/

Tri County Housing CDC Inc.
PO Box 87, 34385 Hwy 167
Fowler, CO 81039
Phone: (719) 263-5168
Fax: (719) 263-5460
http://www.tchcdc.org/home.aspx

Upper Arkansas Area Council of Governments
3224-A Independence Road
Cañon City, CO 81212
Phone: (719) 275-8350
Fax: (719) 275-2907
http://www.uaacog.com/home.html

Micronesia Community Development Corporation
176 Serenu Ave., Suite 108
Tamuning, Guam 96913
Phone: (671) 989-1638

Council for Native American Advancement
2149 Lauwiliwili Street, Suite #200
Kapolei, HI 96707
Phone: (808) 596-8155
Toll-Free: (800) 709-CNHA (2642)
Fax: (808) 596-8156
http://www.hawaiiancouncil.org/

Kauai Habitat for Humanity
P.O. Box 28 ‘Ele‘ele, Kaua‘i, Hawai‘i 96705
1-3410 Kaumualii Hwy, Hanapepe, HI 96716
Phone: (808) 335-0296
Fax: (808) 335-0569
http://kauaihabitat.org/

Nanakuli Housing Corporation
P.O. Box 17489
Honolulu, HI 96817
Phone: (808) 842-0770
http://www.baseyard.com/

Marshall Islands Development Bank
P.O. Box 1048
Majuro, MH 96960
Phone: 692/625-3224/4527

National Affordable Housing Network
P.O. Box 632
Butte, MT 59703
Phone: (406) 782-8579
Fax: (406) 782-5539
http://www.nahn.com/

Native American Development Corporation
2929 3rd Avenue N., Suite 300
Billings, MT 59101
Phone: (406) 259-3804
Fax: (406) 259-4569
http://www.nadc-nabn.org/

NeighborWorks Montana (Great Falls)
509 1st Avenue S
Great Falls, MT 59401
Phone: (406) 761-5861
Fax: (406) 761-5852
http://www.nwgreatfalls.org/

Northern Cheyenne Tribal Housing Authority
822 North Cheyenne Avenue
Lame Deer, MT 59043
Phone: (406) 477-6419
Fax: (406) 477-6229
http://nctribalhousing.org/

 

Native Partnership for Housing
1664 S 2nd Street
Gallup, NM 87301
Phone: (505) 722-0551
Fax: (505) 722-5029
http://www.navajopartnershipforhousing.com/

Southwest Neighborhood Housing
6301 Fourth Street, NW
Albuquerque, NM 87107
Phone: (505) 243-5511
https://www.nhsofalb.org/

Tierra Del Sol Housing
210 E. Idaho Avenue
Las Cruces, NM 88005
Phone: (575) 541-0477
Fax: (575) 541-0476
http://tdshc.org/

Access, Inc.
3630 Aviation Way
Medford, OR 97504
Phone: (541) 779-6691
Fax: (541) 779-8886
http://www.accesshelps.org/

Community Action Team, Inc
125 N 17th Street
St. Helens, OR 97051
Phone: (503) 397-3511
Fax: (503) 397-3290
http://www.cat-team.org/

Community Home Builders
1107 NE Baker Street
McMinnville, OR 97128
Phone: (503) 434-5265
Fax: (503) 472-5693
http://www.communityhomebuilders.org/

Habitat for Humanity Rogue Valley
2233 S Pacific Hwy.
Medford, OR 97501
Phone: (541) 779-1983
https://www.roguevalleyhabitat.org/

NeighborWorks Umpqua
605 SE Kane Street
Roseburg, OR 97470
Phone: (541) 673-4909
Fax: (541) 673-5023
http://www.nwumpqua.org/

AAA Fair Credit Foundation
230 W 200 S Suite 3104
Salt Lake City, UT 94101
Phone: (801) 483-0999
Fax: (801) 483-0999
http://faircredit.org/

Neighborhood Nonprofit Housing Corporation
195 Golf Course Road
Logan, UT 84321
Phone: (435) 753-1112
Fax: (435) 753-6112
http://www.nnhc.net/

Rural Housing Development Corporation
63 North 400 West
Provo, UT 84601
Phone: (801) 375-2205
Fax: (801) 354-7855
http://www.selfhelphomes.org/

Southeastern Utah Association of Local Governments
P.O. Box1106
375 S Carbon Avenue
Price, UT 84501
Phone: (435) 637-5444
Fax: (435) 637-5448
http://www.seualg.utah.gov/

Uintah Basin Association of Governments
330 East 100 South
Roosevelt, UT 84066
Phone: (435) 722-4518
http://ubaog.org/

Catholic Charities Housing Servicing (formerly Diocese of Yakima)
5301 Tieton Drive, Suite C
Yakima, WA 98908-3478
Phone: (509) 965-7100
Fax: (509) 972-0167
http://cchsyakima.org/

Habitat for Humanity of East Jefferson County
P.O. Box 658
Port Townsend, WA 98368
Phone: (360) 379-2827
http://www.habitatejc.org/

Housing Hope
5830 Evergreen Way
Everett, WA 98203
Phone: (425) 347-6556
Fax: (425) 353-5546
http://www.housinghope.org/housing-and-services

Kitsap County Consolidated Housing Authority
345 6th Street #100
Bremerton, WA 98337
Phone: (360) 535-6100
Fax: (360) 535-6107
http://housingkitsap.org/

Peninsula Housing Authority
2603 S Francis Street
Port Angeles, WA 98362
Phone: (360) 542-7631
http://peninsulapha.org/

Community Action Partnership of Natrona County in Caspar (under CAA’s)
800 Werner Court, #201
Casper, WY 82604
Phone: (307) 232-0124
Fax: (307) 232-0145

Wyoming Housing Network Inc.
2345 East 2nd Street
Casper, WY 82609
Phone: (877) 549-1402
Fax: (877) 549-1403
http://www.whninc.org/