Success Stories


  • Garden Valley

    Garden Valley Ranchettes Homeowners, Inc. (HOA) is located in Garden Valley, an unincorporated area of Boise County, Idaho about 53 miles north/ northeast of Boise. The rural community has a population of nearly 400. The HOA owns the water system which serves 27 active water connections with two wells; however, only one is active. During January 2017, the area experienced severe and historic snow levels, which put pressure on the area’s power grid and caused the active well to fail.

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  • Two Rivers Homeowners Cooperative

    Rural Community Assistance Corporation’s (RCAC) Loan Fund provided a $3 million participation in a loan to Two Rivers Homeowners Cooperative (Two Rivers) for the mobile home park acquisition by a resident formed co-op.

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  • 502 Direct loan packaging program

    Low- and very low-income rural residents often cannot qualify for a loan from traditional mortgage lenders. U.S. Department of Agriculture (USDA) Rural Development provides an alternative through its Single Family Housing Direct Loan Program (Section 502 direct loans), which provides subsidized mortgage loans for modest homes in rural areas. The applicants are generally first-time homebuyers.

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  • From vine to wine—Cedar Band’s beverage company secures its place in the industry

    Cedar City, Utah – The drive along Interstate 15, which meanders from the Mexican border in California to the Canadian border in Montana, can get plenty lonely. After 30 miles of virtually no services, there’s a reprieve: the well-stocked and clean convenience store and smoke shop, Cedar Band Trading Post, which the Cedar Band of Paiutes opened in 2012.

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  • Community of Wynola Estates

    The Community of Wynola Estates is in a small rural area in the mountains above San Diego. Although it is not a disadvantaged community its outdated rate structure did not provide enough funding to maintain reserves. It does not qualify for state or federal grants so an effective rate structure is important to ensure its ability to pay for future repairs and qualify for and repay loans.

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