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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.

By mid-morning the wind was howling and blowing the auburn colored sand across Zuni Pueblo located in western New Mexico.

But this was the last thing on the minds of Kay Panteah, Reyanna Nastarcio and Martha Sheche tribal members of Zuni Pueblo. This is the day they celebrate the completion of construction of their new homes—the homes they built with their own hands with the help of family and friends.

At last, this day has finally arrived—after all of those days of hanging drywall, driving nails, and painting walls. After a year of hard work they are being honored by an age-old tradition where their community comes together and celebrates a special feast day.  A celebration that includes a blessing of thanks, song and dance by the Zuni Olla Maidens where they rejoice in the ‘homecoming’ for these three women who have worked hard to attain the title of ‘homeowner’ and to create a home for their families.

Last Wednesday, I participated in a regional forum of the White House Working Families Summit that was held at Virginia State University in Petersburg, Virginia. Coming from a small town in Southwest Georgia myself, I can relate to the unique challenges that rural Americans face. Growing up, my father worked seven days a week on our peanut and cattle farm with help from my mother. To make sure our family had a constant source of income and health insurance, my mother also worked off the farm at the local independent bank. I am fortunate to be the product of hard working parents who provided my sister and me with the best opportunities possible.

All families have a right to have access to a good education system, affordable healthcare and jobs. Our rural families are concerned about creating strong prospects for their children, whether it is on or off the farm. But it is also essential that there are opportunities that will attract young people back to rural areas and help us secure the future of agriculture.

Some mornings Nona Schuler would make the teeth-jarring drive along a washboard dirt road from her home on the Navajo Nation to her job in town only to discover when she got there that her earrings didn’t match. Without electricity and lighting, it was often difficult for her to see what she was doing in those early morning hours.

It was those small inconveniences that she spoke of most during a visit to her home on June 17 by USDA Rural Development Housing Administrator Tony Hernandez.

Hernandez, my staff, and I were at the Schulers to present the family with a certificate naming them as Homeownership Family of the Year for Arizona Rural Development. The designation was in honor of a solar PV system that was added to the Schuler home through a partnership with USDA, Grand Canyon Trust and Snyder Electric.

Across the country, food banks are committed to providing healthy food for those in need. Food banks also have a vested interest in building stronger local economies and creating additional opportunities for the communities they serve.

There are currently more than 200 food banks in the country, with more than 63,000 affiliated agencies like (food pantries and shelters). This network distributes more than 2.5 billion pounds of food to needy Americans each year.

Strategic integration of local foods into a food bank's operation is one way to create economic opportunities for farmers and provide fresh food to families and children. This is especially important in rural areas, which have rich agricultural assets but tend to experience higher poverty rates than metropolitan areas.

As part of USDA’s ongoing celebration of National Homeownership Month, I visited several communities bordering Illinois and Missouri last week to meet some of the people whose lives have been changed with homeownership.

Joe and Heather Sumner had been renters in Highland, IL, who needed more space for their growing family. They were struggling to find affordable financing options, until they learned about Rural Development from their real estate agent. They soon qualified for a USDA Direct Housing Loan, and they were able to move into their new home in time for their new baby, who arrived just four days later.  Mrs. Sumner told me they were especially pleased with the amount of house they could afford through the Rural Development program.

June marks the 2014 celebration of Lesbian, Gay, Bisexual, and Transgender (LGBT) Pride Month.  USDA is taking this opportunity to recognize the immeasurable positive contributions made by the LGBT community -- including our coworkers, partners and clients -- to help rural America innovate and thrive, protect our natural resources and promote sustainable agricultural production to help feed the world. In addition, we are demonstrating our commitment to treating our LGBT customers and coworkers fairly and respectfully through educational events, outreach efforts and listening sessions across the country.

June is also National Homeownership Month, and the theme is “Own Your Future. Own Your Home.”  With concurrent Pride and Homeownership Month observances, it’s a great time to raise awareness among LGBT communities about USDA home mortgage and home repair programs that can help rural residents own their future.

A stormy sky didn’t dampen spirits as a crew of us from USDA Rural Development’s national headquarters celebrated National Homeownership Month by helping Mutual Self-Help Housing Program participants build their own homes in Lincoln, DE.

USDA Rural Development’s Self-Help Housing Program offers families with modest means a hands-on approach to achieve homeownership.  Groups of families work side-by-side on nights and weekends to construct their homes, and no one moves in until all the houses are completed.

More than 50,000 rural families have become homeowners using their “sweat equity” as their down payment on an affordable USDA mortgage.

What is “sweat equity?” These families have helped build their own homes and provided most of the construction labor with guidance from a qualified construction supervisor through USDA’s Mutual Self-Help Housing Loan Program. The “sweat equity” — the savings in labor costs — reduced the amount of the home loan and made the monthly payments affordable.

June is National Homeownership Month. USDA is celebrating the self-help program and the 50,000+ rural families who have invested in a home of their own through self-help housing.