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A BILL To ensure the availability of loan guarantees for rural homeowners.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the `Rural Housing Preservation and Stabilization Act of 2010'.
SEC. 2. LOAN GUARANTEE FEES.
(1) UP-FRONT AND ANNUAL FEES- Paragraph (8) of section 502(h) of the Housing Act of 1949 (42 U.S.C. 1472(h)(8)) is amended to read as follows:
`(8) GUARANTEE FEES- With respect to a guaranteed loan under this subsection, the Secretary may collect from the lender--
`(A) at the time of issuance of the guarantee, a fee equal to not more than 3.5 percent of the principal obligation of the loan; and
`(B) an annual fee during the term of the loan equal to not more than 0.5 percent of the outstanding principal balance of the loan.'.
(2) CONFORMING AMENDMENT- Section 739 of the Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriation Act, 2001 (as enacted by Public Law 106-387; 114 Stat. 1549A-34) is hereby repealed.
(b) Authorization of Amount of Loan Guarantees- Section 513 of the Housing Act of 1949 (42 U.S.C. 1483) is amended by adding at the end the following new subsection:
`(f) Authorization for Loan Guarantees- The Secretary may, to the extent approved in appropriation Acts, guarantee loans under section 502(h) in aggregate amounts not to exceed $30,000,000,000 for fiscal year 2010 and for each fiscal year thereafter.'.
What to do now?
Simple! Help us get the program refunded and continue funding independent from appropriations for the life of the program.
How, you ask? Again, Simple but it will take a few moments of your time and a couple of long distance minutes on next month's phone bill.
The bill in question is HR 5017, or S3266. Call Any or Preferrably ALL of the following individuals and DEMAND attention on this important issue. You can also look for my soon coming blog that will provide a form letter that you can send to each of these people via their website, and oh yes...I WILL provide links.
Debbie Stabenow (202) 224-4822. Your trusted local Michigan Senator that doesn't even realize that Michigan accounts for 28% of ALL Rural Housing Loans or that in Michigan- 31% of all mortgage loans originated are Rural Housing loans, or that 45% of First Time Home buyers in Michigan rely on USDA Guaranteed Financing.
BTW-Carl Levin, no matter how you feel about him, was an original co-sponsor of the bill.
United States Senate Committee on Banking, Housing, and Urban Affairs. (202) 224-739.
These are the people who are so busy passing pet project regulatory legislation that will be obsolete in 2 years that they have ignored this pertinent issue and now are just so drained that they want to recess until after the Memorial Day Holiday. DEMAND that they don't, We need your support.
Members of the Banking and Housing Committee that were original supporters of this bill. Be nice to these ones, they were trying to do well, but were met with Senator Dodd's opposition.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.