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. Download flyer

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 contact the RCAC Homeownership Program at RCAC502package@rcac.org.

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

Kodiak Island Housing Authority
3137 Mill Bay Road
Kodiak, AK 99615
Phone: (907) 486-8111
Fax: (907) 486-8723
http://www.kodiakislandhousing.com/

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.
663 E Main Street Ste A
Somerton AZ 85350
Phone: (928) 627-5995
https://campesinossinfronteras.org/

Chicanos Por La Causa
575 N. Grand Ave.
Nogales, AZ 85621
Phone: (520) 281-9570
http://www.cplc.org

Comite de Bien Estar, Inc.
963 E. B Street
San Luis, AZ 85349
Phone: (928) 627-8559
Fax: (928) 569-6644
https://www.comiteaz.com/

Global-Miami Habitat for Humanity
P.O. Box 328
Claypool, AZ 85532
Phone: (928) 701-1414
https://www.habitat.org/us-az/claypool/globe-miami-hfh

Housing America Corporation
130 N. State Avenue
Somerton, AZ 85350
Phone: (928) 627-4221
Fax: (928) 627-4213
http://www.housingamericacorp.com/

Pueblo Housing and Community Development
7798 W County 16th Street
Somerton, AZ 85350
Phone: (928) 920-4234
http://www.nonprofitfacts.com/AZ/Pueblo-Housing-Community-Development.html

Verde Valley Habitat for Humanity
737 South Main Street
Cottonwood, AZ 86326
Phone: (928) 649-6788
Fax: (928) 649-6742
https://www.vvhabitat.org/

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/

Chicanos Por La Causa
575 N. Grand Ave.
Nogales, AZ 85621
Phone: (520) 281-9570
http://www.cplc.org

Habitat for Humanity of Butte County
220 Meyer Street
Chico, CA 95928
Phone: (530) 343-7423
Fax: (530) 895-0432
https://www.buttehabitat.org/

Habitat for Humanity Calaveras
256 N Main St.
P.O. Box 1469
Angels Camp, CA 95222
Phone: (209) 890-3848
https://www.habitatcalaveras.org/

Imperial Regional Alliance, Inc.
2415 Imperial Business Park Dr., Ste A
Imperial, CA 92251
Phone: (760) 353-8332
http://www.ivedc.com/

Lake County Economic Development Corporation
3895 Main Street
Kelseyville, CA 95451
Phone: (707) 279-1540
Fax: (707) 279-1552
https://www.lakecountycaedc.org/

Lutheran Social Services of Southern California (LSSSC)
435 W Orange Show Lane, Suite 104
San Bernardino, CA 92408
Phone: (909) 866-2792
Fax: (909) 866-2792
https://www.lsssc.org/

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/

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/

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

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

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

Conejos County Housing Authority
510 Richfield Road
La Jara, CO 81140
Phone: 719-274-5417
Fax: 719-274-0417
http://www.conejoshousing.org

Habitat for Humanity of Archuleta County
703 San Juan Street
Pagosa Springs, CO 81147
Phone: (970) 264-6960
Fax: (888) 842-1180
http://www.habitatarchuleta.org/

Habitat for Humanity of Grand County
51 E Agate Avenue
Granby, CO 80446
Phone: (970) 887-9138
https://www.habitatgrandcounty.org

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

Habitat for Humanity of San Juans
1601 N. Townsend Avenue
Montrose, CO 81401
Phone: (970) 252-9303
Fax: (970) 252-9305
https://buildinglives.org/

Habitat for Humanity of St. Vrain Valley
P.O. Box 333
Longmont, CO 80502
Phone: (303) 682-2485
https://www.stvrainhabitat.org/

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

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

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

Habitat for Humanity Hawai’i Island
73-4161 Ulu Wini Place Bay 1
Kailua-Kona, HI 96740
Phone: (808) 331-8010
http://www.habitathawaiiisland.org/

Hawaiian Lending & Investments
4523 Ioane Road
Anahola, HI 96703
Phone: (808) 631-2060
http://www.hawaiianhomesteads.org

Hawaii Community Lending Inc.
1315 Kalanianaole Avenue
Hilo, HI 96720
Phone: (808) 587-7886
http://hawaiiancommunity.net/

Honolulu Habitat of Humanity
922 Austin Lane #C-1
Honolulu, HI 96817
Phone: (808) 777-6699
Fax: (808) 538-7171
http://www.honoluluhabitat.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
https://www.nanakulihousing.org/

Housing People
410 NE 3rd Street, Suite 4
McMinnville, OR 97128
Phone: (503) 864-5981
http://housingpeople.org/

NeighborWorks Boise
3380 W Americana Terr #120
Boise, ID 83706
Phone: (208) 343-4065
https://nwboise.org

NeighborWorks Pocatello
206 N. Arthur Avenue
Pocatello, ID 83204
Phone: (208) 232-9468
Fax: (208) 232-9231
https://nwpocatello.org/

Housing People
410 NE 3rd Street, Suite 4
McMinnville, OR 97128
Phone: (503) 864-5981
http://housingpeople.org/

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/

Chicanos Por La Causa
575 N. Grand Ave.
Nogales, AZ 85621
Phone: (520) 281-9570
http://www.cplc.org

Southwest Neighborhood Housing
6301 Fourth Street, NW
Albuquerque, NM 87107
Phone: (505) 243-5511
https://www.nhsofalb.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
2195 NE 27th Street
McMinnville, OR 97128
Phone: (503) 434-5265
Fax: (503) 472-5693
http://www.communityhomebuilders.org/

Housing People
410 NE 3rd Street, Suite 4
McMinnville, OR 97128
Phone: (503) 864-5981
http://housingpeople.org/

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

West Tuality Habitat for Humanity
3731 Pacific Avenue
Forest Grove, OR 97116
Phone: (503) 357-1201
http://westtualityhabitat.org/

Mountainlands Community Housing Trust
1960 Sidewinder Drive, #107
Park City, UT 84060
Phone: (435) 647-9719
Fax: (435) 658-3890
https://housinghelp.org/

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

Uintah Basin Association of Government
330 East 100 South
Roosevelt, UT 84066
Phone: (435) 722-4518
Fax: (435) 722-4890
http://www.ubaog.org/

American Financial Solutions
600 University Street, Suite 2409
Seattle, WA 98101
Phone: (888) 282-5492
Fax: (888) 282-5495
https://www.myfinancialgoals.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/

Helping Hands Team
P.O. Box 534
Milton, WA 98354
Phone: (206) 229-5027
Fax: (206) 229-5027
https://www.helpinghandsteam.org/

Housing People
410 NE 3rd Street, Suite 4
McMinnville, OR 97128
Phone: (503) 864-5981
http://housingpeople.org/

Makah Indian Tribe
P.O. Box 88
Neah Bay, WA 98357
Phone: (360) 645-2864
Fax: (360) 645-2706
http://makah.com

Methow Housing Trust
502 S. Glover Street, Suite #1
Twisp, WA 98856
Phone: (509) 996-5943
https://methowhousingtrust.org/

NeighborWorks of Grays Harbor County
710 E Market Street
Aberdeen, WA 98520
Phone: (360) 533-7828
www.nwghc.org

People First Financial Solutions
17615 SE 272^nd Street Ste 110
Covington WA 98042
Phone: (253) 444-0235
www.people1financial.org

Habitat for Humanity the Heart of Wyoming
232 2nd Street, Ste. 204
Casper, WY 82604-2544
Phone: (307) 234-1348
https://www.heartofwyoming.org/

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