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Rural Housing Site Loans in Florida

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What does this program do?
Rural Housing site loans provide two types of loans to purchase and develop housing sites for low- and moderate-income families:

  • Section 523 loans are used to acquire and develop sites only for housing to be constructed by the Self-Help method. Refer to RD Instruction 1944-I for more information about the Self-Help program
  • Section 524 loans are made to acquire and develop sites for low- or moderate-income families, with no restriction as to the method of construction.  Low-income is defined as between 50-80% of the area median income (AMI); the upper limit for moderate income is 115% of the AMI.

Who may apply for this program?

  • Section 523 loans: Private or public non-profit organizations that will provide sites solely for self-help housing
  • Section 524 loans: Private or public non-profit organizations.  The building site may be sold to low- or moderate-income families utilizing USDA’s Housing and Community Facilities Program’s (HCFP) loan programs, or any other mortgage financing program which serves low- and moderate-income families
  • Non-profits that have the legal authority to operate a revolving loan fund
  • Non-profits that have the financial, technical and managerial capacity to comply with relevant federal and state laws and regulations
  • Federally-recognized Tribes

What is an eligible area?
Check eligible addresses.

How may funds be used?
Site loans are made to provide financing for the purchase and development of housing sites for low- and moderate-income families.

What are the terms of the loans?

  • 2-year loans
  • Section 523 loans: 3% interest rate
  • Section 524 loans: below-market-rate established and published monthly, fixed at closing.

How do we get started?
Applications for this program are accepted year round. Please apply through your State USDA Rural Development office..

Who can answer questions?
Contact your State USDA Rural Development office.

What governs this program?

NOTE: Because citations and other information may be subject to change please always consult the program instructions listed in the section above titled "What Law Governs this Program?" You may also contact your local office for assistance.

NOTE: Please contact your local State Office and speak to a Housing Program Specialist before attempting to fill out any forms or applications. This will save you valuable time in your application.

There are no other additional requirements at the national level. If there are additional state-specific requirements they will be listed above.

Most loans and grants are originated and/or serviced in the Area Office. Please contact the Area Office that services your County or Town. See our: Florida County Map. Please contact the USVI St. Croix Office for all of the USVI.

CRESTVIEW AREA OFFICE
Jeffrey Archer, Area Director
3070 Adora Teal Way, Suite C, Crestview, FL 32539
Work phone: 850-682-2416
Business cell: 850-333-2031
Fax: 855-473-8755
Counties served: Escambia, Holmes, Okaloosa, Santa Rosa and Walton.

MARIANNA AREA OFFICE
Loria Phillips, Area Director
2741 Pennsylvania Avenue, Suite 5, Marianna, FL 32448
Work phone: 850-526-2610
Business cell: 850-317-6572
Fax: 855-474-6969
Counties served: Bay, Calhoun, Franklin, Gadsden, Gulf, Jackson, Jefferson, Leon, Liberty, Wakulla and Washington.

LAKE CITY AREA OFFICE
Bruni Robles, Area Director
971 W Duval St, Suite 190, Lake City, FL 32055
Work phone: 386-719-5590
Business cell: 386-365-9576
Fax: 855-474-6983
Counties served: Baker, Bradford, Clay, Columbia, Duval, Hamilton, Lafayette, Madison, Nassau, Suwannee, St. Johns, Taylor and Union.

OCALA AREA OFFICE
Stephanie Hodges, Area Director
2441 NE 3rd Street, Suite 204-1, Ocala, FL 34470
Work phone: 352-732-7534
Business cell: 352-843-0042
Fax: 855-474-6990
Counties served: Alachua, Citrus, Dixie, Flagler, Gilchrist, Lake, Levy, Marion, Putnam, Seminole, Sumter and Volusia.

CHAMPIONS GATE AREA OFFICE
Angela Smith, Area Director 
8390 Champions Gate Blvd, Suite 210, Champions Gate, FL 33896
Work phone: 863-420-4833
Fax: 855-474-8230
Counties served: Brevard, Hernando, Hillsborough, Indian River, Orange, Osceola, Pasco, Pinellas and Polk.

ROYAL PALM BEACH AREA OFFICE **(see Sub Office information)
Ada Rivera, Area Director 
420 South State Road 7, Suite 166, Royal Palm Beach, FL 33414
Work phone: 561-792-2727
Fax: 855-475-4827

**N. Ft. Myers (Sub Office of Royal Palm Beach)
Ada Rivera, Area Director 
3434 Hancock Bridge Pkwy., Suite 209-A, N. Ft. Myers, FL 33903
Work phone: 239-997-7331
Fax: 855-475-8043
Counties served from Royal Palm Beach and North Fort Myers: Broward, Dade, Glades, Hendry, Highlands, Martin, Monroe, Okeechobee, Palm Beach, St. Lucie, Charlotte, Collier, DeSoto, Hardee, Lee, Manatee and Sarasota.

ST. CROIX U.S. VIRGIN ISLANDS AREA OFFICE
Kimme Bryce, Area Director
4401 Sion Farm, Ste. #2, Christiansted, St. Croix, VI 00820
Work phone: 340-773-9146
Business cell: 340-201-4211
Fax: 855-475-6940
Locations served: St. Croix, St. John and St. Thomas.

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