rural

Lawrence, Kansas has been building a local/regional foods movement since the early 1970’s.  In other words – they made local foods “cool” long before the local food movement and Farmer’s Markets gained in popularity across the nation.

The movement started with the creation of a retail food cooperative called the “The Merc” in 1974. The cooperative started with four individuals and currently includes more than 6,800.  The Lawrence farmers market has grown from a single Saturday morning market to four markets each week supported by regional producers that grow everything from asparagus to zucchini – from “A” to “Z” in the fruit and vegetable alphabet.

These days, it seems like it’s easier than ever to turn a good idea into reality. This is the era of Kickstarter, where entrepreneurs can connect with potential investors at the click of a button.

Of course, it takes more than money to grow an idea. It takes an atmosphere that fosters creativity and rewards innovation. And at a deeper, less obvious level, it requires strong, secure infrastructure—roads and bridges, but also internet access and community facilities like hospitals and schools—that improves connectivity and access to information, moves products to market, and makes communities competitive and attractive to new businesses and investments.

Carlen Overby's days are filled with worry.  On July 4^th, her well went dry and has since collapsed.  In order to flush toilets or wash dishes, she and her husband haul water in five-gallon jugs. And a hose from a neighbor's house connects to her water tank so that she and her husband can take showers. When they started having trouble with their well, her husband got a second job so they could save enough money to drill a new well.  The average well costs around $20,000, and even then there's a waiting list almost a year long.

"You wake up and you just expect that there will be water when you turn on the faucet," she said. "Who knows how long it will be until our neighbor runs out of water, and then what will we do?"

What began as a small sail-making shop in 19^th century New York City has evolved into the modern realization of one family’s American Dream—a family-owned and –operated small business whose product has been a part of some of the most iconic images in our nation’s history.

Alexander Annin’s sail-making shop, established in the 1820s, has evolved into the oldest and largest flag company in the United States and is still in operation today. Commencing with Zachary Taylor’s 1849 presidential inauguration; to the flag-draped coffin of President Abraham Lincoln in 1865; onward to the iconic image of U.S. Marines hoisting the flag on Iwo Jima’s Mount Suribachi in 1945; to the flag planted by Neil Armstrong and Buzz Aldrin on the moon in 1969—all were Annin-made flags.

This year, Independence Day will be even more meaningful for tens of thousands of families across the nation. With financing assistance from USDA, they will be able to gather their loved ones in their own homes and back yards to celebrate the holiday as homeowners.

As the Administrator for USDA’s housing programs, I spent the past weeks celebrating National Homeownership Month with rural families who are achieving the American Dream with USDA assistance. On the final day of the month-long celebration, I joined families who are now constructing their homes through USDA's Mutual Self-Help program, as well as another group of families moving into their new homes just in time to celebrate the Fourth of July.

Recently, I visited the Habitat for Humanity homes on Cape Cod, Massachusetts in celebration of National Homeownership Month, a time to recognize the important role that housing plays in the economy. The construction of these homes was made possible through loans from USDA Rural Development (RD).

The partnership between USDA Rural Development and the Cape Cod Chapter of Habitat for Humanity continues to help provide numerous low-income families with safe, affordable, and well-built homes. USDA Rural Development and the Cape Cod Chapter of Habitat for Humanity first partnered in 2011. In FY 2013, USDA Rural Development financed four out of five of the Habitat homes built on Cape Cod, and they are currently on track to finance eight more Habitat homes being built on Cape Cod in FY 2014.

Rural Oklahoma is home to many important tribal communities.  Among these, the Choctaw Nation spans over ten counties in southeastern Oklahoma, while the Cherokee Nation runs along the state’s northeast border, and Muscogee (Creek) Nation lies farther west.

These communities play a critical role in developing businesses, affordable housing, and infrastructure like water, roads, and telecommunications. However, these areas endure chronic poverty, limited opportunities and countless other economic challenges.  For instance, most of the 1,100 residents of Boley, Oklahoma – located in the heart of Creek nation – live on less than 25 dollars per day.

Earlier this year, I joined Leslie Wheelock, Director of USDA’s Office of Tribal Relations, on a visit to the area.

In celebration of USDA’s annual Homeownership Month, I toured a flourishing neighborhood tucked in the woods of Edneyville, North Carolina. Along with me were families who never thought it possible to own a home or have a yard for their children or a garden. Their dreams were realized by building not only their own home, but the homes of their neighbors too! In the process, they also built enduring bonds of a caring community.

This neighborhood is being developed by the private, nonprofit Housing Assistance Corporation (HAC) of Hendersonville using Rural Development's Self-Help Housing program.  Since 1971, USDA has helped build more than 50,000 across the nation. Through the Self Help Housing program, homeowners save money and earn "sweat equity" toward their homes by completing 65% of the labor.  Ten to 12 families pool their efforts and work a minimum of 40 hours a week working on all the homes -- and no one moves into their home until every home is completed.  Working together, families pour foundations, frame homes, install electrical wiring, hang doors and windows, and lay tile and paint. Their sweat equity qualifies as their down payment. Once completed, USDA Rural Development provides the families with mortgages through the Single Family Housing Direct Loan Program.

With their family of eight, Myron Doud and Stephanie Richards were in tight quarters when they were living with Myron’s parents in a four-bedroom house.  Like them, Joe and Danielle Donnell and their young one had resided with Danielle’s family.

“Our daughter was very excited about her new bedroom, and she wasn’t even scared to sleep in a room all by herself!” said Stephanie Richards. “The kids now have room to have sleep-overs with their friends and a nice backyard to play.”

These South Dakota families, like many starting out in rural America, just needed a little assistance to begin their lives -- and begin building assets for the future -- as homeowners.  They found the help they needed through USDA Rural Development’s Direct Housing Loan, which offers 100-percent, affordable mortgages to rural homebuyers who cannot access affordable conventional financing.

USDA Rural Development and The Hanover County Chapter of Habitat for Humanity are thinking outside of the box with their new partnership in Virginia. By working together, USDA Rural Development and Habitat for Humanity are able to provide mortgage assistance to low and very low-income rural families. Earlier this month, Agriculture Deputy Secretary Krysta Harden visited Bailey Woods, the first-ever Habitat Development in this area, as part of USDA’s celebration of National Homeownership Month.

Every year, rural families rely on USDA Rural Development’s direct and guaranteed home loans to provide an affordable opportunity to become homeowners. Bailey Woods will provide building lots for eight new houses and a renovation of one. These homes range from 1,500 to 1,700 square feet and feature many energy efficient features, such as ceiling fans, high insulation, and high efficiency heat pumps. These cost reducing systems will provide families in rural areas such as Hanover County the opportunity to purchase a home, while maintaining low operating costs.