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  • Posted in: Dear Sher

    Dear Sher

    So … I am wondering if you could review the above credit report and tell me what you think. According . . .

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  • Self-Help Builder December 2016

    In this issue: Policy update: income banding—another perspective; A Photographic Chronicle of America’s Working Poor; Dear Sher addresses some of the recent changes to Handbook 3550-1; and RCAC is hiring a Rural Development Specialist in housing.

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  • Posted in: Policy Update

    Policy update

    In the last newsletter I discussed some of my concerns regarding USDA Rural Development’s use of income banding for low-income families even though it may also benefit very low-income households. My concern was that this may end up benefiting households who do not really need assistance and who, absent banding, would not be eligible borrowers. In spite of these concerns … there are real benefits to income banding for small households.

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