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Georgia gets another $30M for home loans
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Georgia is receiving an additional $30 million in Recovery Act funds for direct home loans through USDA Rural Development, when pooled funds from all states are redistributed from Washington, D.C. These loans are for qualifying families considered to have low and very low incomes to purchase or build a home in a rural area.
 
“These amounts are greater than the funds we had remaining,” said Ed Peace, director of single family housing for USDA Rural Development in
Georgia. “This is a wonderful opportunity for rural families who want to become homeowners. These funds will disappear after Sept. 30, so we encourage those interested to call us immediately.”
 
So far, Georgia has helped 288 rural families through the direct home loan program, obligating over $31.7 million to help families achieve the dream of homeownership. The Recovery Act has funded 220 home loans for almost $25.8 million. 
 
“The time has never been better for rural Georgia families to consider buying a home,” said Shirley Sherrod, state director. “These funds can be used to purchase an existing home or to build a new one.”
 
USDA Rural Development’s direct loan program has many positive features including 100 percent financing and low-interest rates. House payments are based on household income. The program also has built in provisions, for example, so that down the line, if someone loses their job, mortgage payments can be deferred and rolled into the end of the loan. This provision is only available to Rural Development borrowers after the loan has closed and isn’t available to families that have homes from other lenders.
 
To qualify, Georgians must have low or very low dependable income, have good credit and debt level to show repayment of the loan. The houses must be in eligible rural areas, generally with population less than 20,000.
 
The low and very low designation is based on Median Household Income for each county, as well as how many people are living in the house. To check income levels for a specific county or the house address, visit: http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do. Use the panel on the left to navigate.
 
For more information, visit http://www.rurdev.usda.gov/ga. Rural Development has offices around the state to assist with the application process.
Effingham County to Vote Tuesday on $60 Million Budget with Tax Rollback and Major Projects
Effingham budget

SPRINGFIELD, Ga. – Effingham County is proposing an 18% increase to its fiscal year 2026 budget, largely driven by infrastructure spending through sales taxes, while simultaneously rolling back its millage rate to ease the burden on taxpayers.

Effingham County Finance Director Mark Barnes presented the $9 million increase during the Board of Commissioners' first reading of the budget on June 3 — a discussion-only session with no vote taken. Despite the sharp budget growth from $51 million to $60 million, Barnes emphasized that the increase stems from planned capital investments, not operational spending, and that the general fund remains balanced with healthy reserves.

Next Steps

The budget will be up for further discussion and possible adoption at the next commissioners meeting, scheduled for 7 p.m. Tuesday, June 17 at the Effingham County Administrative Complex, 804 S. Laurel St., Springfield. The public is invited to attend.   

Key Takeaways 

Budget Growth and Capital Funding

  • The proposed 2026 budget increases by approximately $9 million (18%), primarily due to transfers to capital projects funded through SPLOST (Special Purpose Local Option Sales Tax) and TSPLOST (Transportation Special Purpose Local Option Sales Tax) approved by voters.

  • About $7 million in fund balance reserves will be used to support major projects — part of a multi-year savings strategy.

  • Overall, $192 million is designated for capital projects, including $71 million for roads, $40 million for water treatment facilities and $17 million for parks.

  • Key capital projects include a new wastewater treatment plant at Low Ground Road and a water treatment plant near McCall Road. Extensive road improvements include the widening of Goshen and Old Augusta roads, six roundabouts and 60 miles of road resurfacing. Ongoing park upgrades include Phase 2 of the Clarence E. Morgan Complex.

  • Barnes noted that while the budget is larger, the increase reflects targeted, long-term investments, not expanded day-to-day operations.

General Fund and Fiscal Stability

  • The general fund supports core services like the sheriff’s office, emergency medical services, courts, and elections.

  • Even with fund balance usage, reserves remain above policy minimums — a sign of sound financial planning, Barnes said.

  • The general fund includes $8 million in transfers to capital project accounts, plus funds for employee raises and new hires.

Millage Rate and Tax Relief

  • County millage rate proposed to roll back by 3%, from 5.596 to 5.428.
    “Residents are actually paying less county taxes for their primary residence than they did five years ago,” Tim Callanan, Effingham County manager, said.

  • The rollback ensures homestead taxable values increase by no more than 3%, stabilizing tax bills for property owners.

  • 28% decrease in the millage rate over five years, outpacing the 14% reduction required to match assessed value growth.

Personnel and Staffing Investments

  • 18.47 new full-time equivalent positions proposed for 2026.

    • At least nine are public service employees, Including two school resource officers, six firefighters, and an additional employee for emergency management.

  • 7% increase in the general fund personnel budget, including:

    • 3% cost-of-living adjustment for each county employee

    • 2% for merit-based increases

  • Fire department to add six positions, converting a station from volunteer to full-time.

Organizational Efficiency and Department Changes

  • Creation of three new departments staffed by reassigned personnel:

    • Public Engagement Services

    • County Engineering Services

    • Customer Support Services

SPLOST, TSPLOST, and Community Buy-In

SPLOST and TSPLOST remain essential funding tools, reducing reliance on property taxes.
“Voters approving the special taxes is why we can do $192 million in capital improvements without raising property taxes,” Callanan said.