Water & Waste Disposal Loan Guarantees in Oregon

PROGRAM STATUS:

Open

One RD Guarantee

Beginning Oct. 1, 2020, this program will be streamlined under the OneRD Guarantee Loan Initiative. For more information, visit www.rd.usda.gov/onerdguarantee

Fees and Population Factsheet | PDF

What does this program do?

This program helps private lenders provide affordable financing to qualified borrowers to improve access to clean, reliable water and waste disposal systems for households and businesses in rural areas.

Who may apply?

Private lenders may apply for a loan guarantee on loans they make to eligible borrowers who are otherwise unable to obtain commercial credit on reasonable terms.

Eligible borrowers include:

What is an eligible area?

Areas that may be served include:

How may borrowed funds be used?

Construct or improve facilities for:

  • Drinking water
  • Sanitary sewers
  • Solid waste disposal
  • Storm water disposal facilities

Depending on the circumstances, some funds may also be used for:

  • Legal and engineering fees
  • Land acquisition and equipment
  • Start-up operations and maintenance
  • Capitalized interest
  • Other costs determined to be necessary for completion of the project
  • See Code of Federal Regulations 7 CFR, Part 1779.2 for a complete list

What are the terms of a loan guarantee?

  • The maximum guarantee is typically 90 percent of the loan amount.
  • One-time guarantee fee = 1.0% of principal loan amount times the % of guarantee.
  • Interest rates may be fixed or variable as negotiated between the lender and the borrower, subject to USDA approval.
  • Up to 40-year payback period, based on the useful life of the facilities financed.
  • Balloon payments are prohibited.

Are there additional requirements?

  • The borrower must have the legal authority needed to construct, operate and maintain the proposed facilities and the services they provide.
  • All facilities financed with the aid of a loan guarantee must be used for public purposes.

Who will service the loan?

Loans guaranteed through this program are serviced through the private lender that makes the loan, just as they would be without a guarantee.

How do we get started?

  • Lenders: Contact a representative in your local RD office for details on how to become an approved lender.
  • Borrowers: Ask your private lender if it participates in USDA loan guarantee programs.

Who can answer questions?

  • Contact your local RD office.
  • Participating nonprofit associations also offer assistance and training.

What governs this program?

  • Code of Federal Regulations, 7 CFR, Part 1779
  • 5 USC 301, 7 USC 1989 and 16 USC 1005

Why does USDA Rural Development do this?

This program helps extend access to clean, reliable water and waste disposal systems for households and businesses in eligible rural areas and towns. Affordable terms and good practices can save tax dollars, improve the natural environment and may be necessary for manufacturers and other types of businesses to locate or expand operations.

NOTE: Program details may change over time. Before you begin an application, please confirm you have the most current information by contacting a program specialist in your local RD office for assistance, or consult the program instructions listed in the section above titled "What Governs this Program?"

Learn how to prepare wastewater system planning documents for projects that anticipate joint funding from USDA Rural Development and Business Oregon, Oregon Department of Environmental Quality, or Rural Community Assistance Corporation in the Guide to Preparing Wastewater Planning Documents and Environmental Reports for Projects with Multipe Funding Sources (PDF, 1.23 MB), updated July 23, 2018.

Additional resources and funding options for Oregon water and wastewater infrastructure projects are provided in the Rural Community Assistance Corporation's 2016 Oregon Water & Wastewater Funding and Resource Guide* (PDF, 314 KB).

*This document was developed by a local nonprofit and is being shared by USDA as a public service to our customers. Please note that the guide may not capture all resources and funding opportunities that may be available or relevant to water and wastewater infrastructure projects, and the inclusion of an organization or program does not constitute endorsement or recommendation by USDA over similar options not named.

NOTE: Please select your state in the dropdown menu above to find the state office contact information and speak to a program specialist before attempting to fill out any forms or applications. This will save you time in completing your application.

National Architect Requirements:

Individual states may have particular requirements based on state and local regulations. Please contact the local RD office in the state where your project is located.

State Engineering Requirements:
National Engineering Requirements:

Individual states may have particular requirements based on state and local regulations. Please contact the local RD office in the state where your project is located.

State Environmental Requirements:

Guide to Preparing Wastewater Planning Documents and Environmental Reports for Projects with Multipe Funding Sources (PDF, 1.23 MB), updated July 23, 2018

For further information, please contact the Charlotte Bentley at (503) 414-3362 or charlotte.bentley@usda.gov.

National Environmental Requirements:

Individual states may have particular requirements based on state and local regulations. Please contact the local RD office in the state where your project is located.

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

There are currently no events scheduled.

State Office:

Main Phone: (866) 923-5626 ext. 3
Relay Service: Dial 711 for a free relay service operated by the FCC
Fax: (855) 824-6181

USDA Rural Development
Attn: Community Programs
1220 SW 3rd Avenue, Suite 1801
Portland, OR 97204

Charlotte Bentley, Community Programs Director
(503) 414-3362, charlotte.bentley@usda.gov

Ella Nichols, Community Programs Specialist
(503) 414-3354, ella.nichols@usda.gov

Eric Nerdin, Community Programs Specialist
(503) 414-3326, eric.nerdin@usda.gov

Chris Laughton, Community Programs Technician
(503) 414-3330, chris.laughton@usda.gov

Technical Contacts:

Mike Beyer, State Engineer / State Environmental Coordinator
(503) 414-3368, michael.beyer@usda.gov

Emily Jennings, Engineer Intern
(503) 414-3337, emily.jennings@usda.gov

Norm Schoen, State Architect
(503) 414-3364, norm.schoen@usda.gov

Local Contacts:

Portland Office (Serving Northwest Oregon: Clackamas, Clatsop, Columbia, Hood River, Multnomah, Tillamook, Wasco, and Washington counties):
Eric Nerdin, Community Programs Specialist
(503) 414-3326, eric.nerdin@usda.gov

Tangent Office (Serving West Central Oregon: Benton, Lane, Linn, Lincoln, Marion, Polk, and Yamhill counties):
Holly Halligan, Community Programs Specialist
(541) 801-2682, holly.halligan@usda.gov

Roseburg Office (Serving Southwest Oregon: Coos, Curry, Douglas, Jackson, and Josephine counties):
Deanna Quimby, Community Programs Specialist
(541) 378-3547, deanna.quimby@usda.gov

Redmond Office (Serving Central Oregon: Crook, Deschutes, Jefferson, Harney, Klamath, and Lake counties):
Kimberley Young, Community Programs Specialist
(541) 699-3200, kimberley.young@usda.gov 

La Grande Office (Serving Eastern Oregon: Baker, Gilliam, Grant, Malheur, Morrow, Sherman, Umatilla, Union, Wallowa, and Wheeler counties):
LaDonn McElligott, Community Programs Specialist
(541) 624-3087, ladonn.mcelligott@usda.gov

View the service area maps for Community Programs in Oregon.