HomeMy WebLinkAboutHousing & Redevelopment Authority Packet 07-24-2014MEETING AGENDA
PLYMOUTH HOUSING AND REDEVELOPMENT AUTHORITY
THURSDAY, July 24, 2014 - 7:00 p.m.
WHERE: Medicine Lake Room
City of Plymouth
3400 Plymouth Boulevard
Plymouth, MN 55447
CONSENT AGENDA
All items listed on the Consent Agenda are considered to be routine by the Housing
and Redevelopment Authority and will be enacted by one motion. There will be no
separate discussion of these items unless a Commissioner, citizen or petitioner so
requests, in which event the item will be removed from the consent agenda and
considered in normal sequence on the agenda.
1. CALL TO ORDER - 7:00 P.M.
2. CONSENT AGENDA
A. Approve HRA Meeting Minutes for May 22, 2014.
B. Plymouth Towne Square. Accept Monthly Housing Reports.
C. Vicksburg Crossing. Accept Monthly Housing/Marketing Reports.
D. Community Development Block Grant (CDBG). Accept Consolidated Annual
Performance and Evaluation Report (CAPER).
3. NEW BUSINESS
A. First Time Homebuyer and Rehabilitation Program Guidelines Updates.
4. ADJOURNMENT
DRAFT MINUTES
Ps 4
PLYMOUTH HOUSING AND REDEVELOPMENT AUTHORITY
MAY 22, 2014
PRESENT: Chairman Jeff Kulaszewicz (arrived at 7:15 p.m.), Commissioner Jim Willis,
Commissioner Toni Jelinek (arrived at 7:04 p.m.), Commissioner Paul Caryotakis, and
Commissioner Adam Schmitt
ABSENT: none
STAFF PRESENT: Housing Program Manager Jun Barnes, Support Services Manager Denise
Whalen and Office Support Representative Tina Beckfeld
OTHER: Grace Management Representative Jody Boedigheimer
1. CALL TO ORDER Commissioner Caryotakis called the Plymouth Housing and
Redevelopment Authority meeting to order at 7:00 p.m.
2. CONSENT AGENDA
A. Approve HRA Meeting Minutes for February 27, 2014.
B. Plymouth Towne Square. Accept Monthly Housing Reports
C. Vicksburg Crossing. Accept Monthly Housing/Marketing Reports
D. Section S Project Based Voucher Program (PBV). Approve the renewal of the PBV
Housing Assistance Payments (HAP) Contracts with Plymouth Leased Housing
Associates, LP and Vicksburg Commons Limited Partnership.
MOTION by Commissioner Willis, seconded by Commissioner Schmitt to approve the consent
agenda. Vote. 3 Ayes. MOTION passed unanimously,
3. NEW BUSINESS
A. Review HRA Strategic Plan
Housing Manager Barnes gave an overview of the staff report. Manager Barnes stated that staff
will be going through the budget process soon. He reminded the commission about the joint
special meeting with the city council on June 24, 2014 at 5:30 p.m. discussing the HRA
acquiring city owned parcels. Manager Barnes stated that the commission could discuss the
Strategic Plan in more detail after that.
Commissioner Willis asked what was the intention or qualifier for Goal 44, Housing Manager
Barnes replied that it was an outcome of the 2001 Strategic Plan with the intention of being
broad in nature. Housing Manager Barnes stated that he attends the weekly planning staff
meetings, which affords him the opportunity to hear about any developments that the HRA may
Draft
Plymouth Housing and Redevelopment Authority
May 22, 2014
Page 2
partner with that would meet the criteria for Goal #4 such as apartments or townhomes that
include workforce housing.
Commission Jelinek asked if Goal #7 is internal or external cominunication. Housing Manager
Barnes responded that staff has both internal and external communication. He stated that staff
has internal communication with other city staff and external communication with outside
agencies. He added that the council receives the HRA agenda and minutes and some council
members receive the entire HRA packet.
Commissioner Willis noted that the "C." should be removed under #4. - Development of New
Housing Units.
Commissioner Willis stated that it may be useful for the commission to receive an update on
what the Metropolitan Council is doing. Commissioner Willis stated that the Metropolitan
Council has drafted the Thrive MSP 2040 and will be using their influence and investments to
build a more equitable region to mitigate the place -based dimension of racial, ethnic and income -
based disparities. Commission Willis stated the Metropolitan Council would be diverting more
resources to communities that can address those issues and housing will be one of the
components.
Housing Manager Barnes stated the Metropolitan Council should be coming out with more
information pertaining to the housing component in the next couple of months and would email
the commissioners if he comes across anything that may be of interest to the Board.
Commissioner Jelinek stated it would be good to keep the Strategic Plan in front of the
commission periodically and test new prograins against it.
Chairman Kulaszewicz stated he prefers to keep the Strategic Plan generic in nature.
Commissioner Caryotakis concurred.
4. ADJOURNMENT
MOTION by Cominissioner Willis, seconded by Commissioner Jelinek, to adjourn the meeting
at 7:19 p.m.
P .
PLYMOUTH
TOWNE SQUARE
MEMORANDUM
To: Jim Barnes
From: Jeff Lelivelt, Managing Director, Plymouth Towne Square
Date: June 16, 2014
Re: PTS Monthly Report for May 2014
June Newsletter and Calendar attached
Occupancy/Marketing
Current Occupancy — 99 units (100%)
Current Wait List Status
One Bedroom — 59 applicants; closed
Two Bedroom — 30 applicants
Administrative/Building Operations,
5113 - New office computer installed and programmed.
5114 -- Parking lot swept.
5120 — Monument sign on 37th and Plymouth Blvd. repaired.
5130 — Maintenance meeting held at Vicksburg Crossing.
Resident Services
5/15 — Resident Meeting and Birthday Bash held. 48 attended.
5117 — Breakfast with Chef Ray Held -- 34 attended.
5/20 —Annual spring clean-up held. Garden was planted and flowers around the
monument sign were re -arranged and planted.
15500 37th Avenue North • Plymouth, MN 55446-3250
Phone: (763) 550-9525 • Pax: (763) 551-0144
Owncd by Plymouth Housing mid Redcvclopmcnt Authority
Balance Sheet
PLYMOUTH TOWNE SQUARE
As Of May 31, 2094
ASSETS
CURRENT ASSETS
MI PETTY CASH
M I OPERATING ACCOUNT
M I SEC DEPOSIT CASH ACCOUNT
INVESTMENTS -WORKING CAPITAL FUND
INVESTMENTS - NEW DEBT SERVICE
ACCOUNTS REC-TENANTS
INTEREST RECEIVABLE
PREPAID PROPERTY INSURANCE
PREPAID WORKERS COMP INSUR
PREPAID OTHER
TOTAL CURRENT ASSETS
FIXED ASSETS
LAND
SITE IMPROVEMENTS
BUILDING
BUILDING IMPROVEMENTS
FURN, FIXT & EQUIP -GENERAL
FURNITURE & FIXTURES - HOUSEKEEPING
COMPUTERS/OFFICE EQUIPMENT
ACCUMULATED DEPRECIATION
TOTAL FIXED ASSETS
NON-CURRENT ASSETS
Ending Balance
500
156,193
54,589
859,110
155,358
1,096)
2,500
2,638
210
4,377
459,247
111,390
5,767,619
301,779
379,211
8,696
13,060
3,457,080)
Total
1,244,378
3,583,921
TOTAL ASSETS 4,828,299
LIABILITIES
RETAINED EARNINGS 1,560,342
CURRENT LIABILITIES
1,668,990
CURRENT YEAR INCOME!(LOSS)
ACCOUNTS PAYABLE -TRADE 14,366
4,828,299
ACCRUED PAYROLL 3,528
ACCRUED COMPENSATED BALANCES 1,454
ACCRUED INTEREST 14,740
ACCRUED REAL ESTATE TAXES 13,077
ACCRUED OTHER 3,065
TOTAL CURRENT LIABILITIES 50,229
LONG-TERM LIABILITIES
SECURITY DEPOSITS 54,577
BONDS PAYABLE - SERIES 2011A 2,920,000
BOND PREMIUM 64,239
3,038,817
TOTAL LIABILITIES 3,089,046
EQUITY
RETAINED EARNINGS RSRVD FOR DS 108,648
RETAINED EARNINGS 1,560,342
TOTAL EQUITY 1,668,990
CURRENT YEAR INCOME!(LOSS) 70,263
TOTAL LIABILITIES & EQUITY 4,828,299
Profit and Loss Variance
PLYMOUTH Tc7WNE SQUARE
Through May 31, 2014
MTD Actual Budget Var, YTD Actual Budget Var. Year Budget
INCOME
APARTMENT RENTAL REVENUE 53,599 52,562 1,037 267,963 262,810 5,153 630,744
HRA INDIVIDUAL 17,917 17,917 0 89,565 89,585 0 215,004
GARAGE RENT 2,925 2,880 45 14,913 14,400 513 34,560
GUEST ROOM REVENUE 220 193 27 1,100 965 135 2,316
LAUNDRY REVENUE 691 855 36 4,375 4,275 100 10,260
APPLICATION FEE REVENUE 0 53 53) 115 265 150) 636
TRANSFER FEE REVENUE 0 0 0 0 500 500) 500
INVESTMENT INCOME 8,059 1,250 6,809 13,082 6,250 6,832 15,000
MISCELLANEOUS REVENUE 0 185 185) 124 925 801) 2220
TOTAL INCOME 83,610 75,895 7,715 391,266 379,975 11,281 911,240
EXPENSES
ADMINISTRATION
MANAGER SALARIESIWAGES 3,962 3,877 85) 19,290 19,385 87 46,524
PAYROLL TAXES 736 1,069 333 3,969 5,345 1,376 12,828
HEALTH INSURANCE 1,137 445 591) 6,705 2,230 4,475) 5,352
WORKERS COMP INSURANCE 65 178 113 359 890 531 2,136
MAINTENANCE SALARIES[WAGES 4,474 3,761 713) 17,419 18,805 1,386 45,132
EMPLOYEE COSTS 80 80 0 440 440 0 1,040
SEMINAR/TRAINING 0 25 25 0 125 125 300
BANK FEES 0 5 5 66 25 41) 60
LICENSE B PERMITS 0 0 0 23 0 23) 894
MILEAGE REIMBURSEMENT 129 89 40) 448 445 0) 1,068
POSTAGE10VERNIGHT EXPRESS 0 8 8 49 40 9) 96
PRINTING 0 10 10 0 50 50 120
MANAGEMENT FEES 4,400 4,400 0 22,000 22,000 0 52,000
PROFESSIONAL FEES 209 350 141 209 1,750 1,461 4,200
TELEPHONE EXPENSE 512 5U0 12) 2,497 2,500 3 6,000
EQUIPMENT LEASCIREPAIR 578 130 448) 1,168 650 510) 1,560
OFFICE SUPPLIES 142 95 47) 451 475 24 1,140
TOTAL ADMIN EXPENSES 16,424 15,023 1,461) 75,180 75,155 25) 181,250
RESIDENT SERVICES
RESIDENT PROGRAMIACTIVITIES 54 450 395 1,467 1,600 133 5,200
TOTAL RES SERV EXPENSES 54 450 396 1,467 1,600 133 5,200
MARKETING
PROMOTIONAUPAR71ES 0 15 15 0 75 75 160
TOTAL MARKETING EXPENSES 0 15 15 0 75 75 180
HOUSEKEEPING
CONTRACT LABOR 1,439 1,521 83 7,158 7,605 440 16,252
CLEANING SUPPLIES 10 115 105 367 575 208 1,360
TOTAL HOUSEKEEPING EXPENSES 1,449 1,636 187 7,525 8,180 656 19,632
Profit and Loss Variance
PLYMOUTH i'OWNE SQUARE
Through May 31, 2014
BUILDING 8 GROUNDS
CABLE TV EXPENSE
UTILITIES - ELECTRICITY
UTILITIES - GAS
UTILITIES - WATERlSEWLR
WATER SOFTENING SERVICE
DOORS, KEYS & WINDOWS
FIRE SYSTEM SERVICE
LAWN SERVICEILANDSCAPISNOW RMVL
PEST CONTROL
TRASH REMOVAL
UNIT TURNOVER REPAIRS
ELEVATOR -REPAIRS & MAINTENANCE
REPAIRS & MAINTENANCE
BUILDING & GROUNDS SUPPLIES
HVAC - REPAIRS & MAINTENANCE
MISCELLANEOUS B & G EXPENSES
TOTAL BUILDING & GROUNDS
OTHER OPERATING EXPENSES
PROPERTY & LIABILITY INSURANCE
PAYMENT IN LIEU OF PROPERTY TAX
TOTAL OTHER OPERATING EXPENSES
TOTAL OPERATING EXPENSES
NET OPERATING INCOME! ( LOSS)
DEPREC, INTEREST & OTHER EXPENSE
DEPRECIATION EXPENSE
AMORTIZATION LXPENSE
RESERVEIREPLACE CAPITAL EXPENSE
INTEREST EXPENSE
TOTAL DEPREC, INTEREST & OTHER
NET INCOME I (LOSS)
MTD Actual Budget Var, YTD Actual Budget Var. Year Budget
55 60 5 277 300 23 720
2,255 2,100 155) 10,686 10,200 488) 27,300
1,536 1,500 36) 17,787 11,400 6,387) 22,000
629 1,010 381 3,267 3,750 483 9,540
406 345 61) 1,488 1,725 237 4,140
0 350 350 159 1,750 1,591 4,200
90 415 325 2,385 2,075 310) 4,980
3,066 1.600 1,466) 13,560 6,000 5,560) 19,200
0 465 465 145 2,325 2,180 5,580
323 300 23) 1,694 1,500 194) 3.600
3,925 2.667 1,258) 10,220 13,335 3,115 32,004
521 600 79 2,603 3,000 397 7,200
860 6000 5,140 16,223 22,000 5,777 35,500
645 1,600 955 4,603 8,000 3,197 19,200
383 935 552 1,486 4,675 3,189 11,220
0 833 833 0 4,165 4,165 9,996
14,694 20,780 6,086 86,784 98,200 11,416 216,380
2,537 2,638 101 42,683 13,190 507 31,656
2,515 2,567 28) 13,077 12,935 142) 31,044
5,152 5,225 73 26,760 26,125 365 62,700
37,773 43,129 5,356 196,716 209,335 12,619 485,342
45,837 32,766 13,071 194,540 170,640 23,900 426,a9a
16,450 16.833 383 82,249 84,165 5,916 201,996
527 527 0 2.633 2,635 2 6,324
1,917 2,000 63 2,421 30,000 27,579 32.000
7,370 7,370 0 36,975 35,850 125) 88,440
26,263 26,730 467 124,277 153,650 29,373 328,760
19,574 6,036 13,538 70,263 16,990 53,273 97,138
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What I have learned:
I've learned that the hest classroom in the
world is at the feet of an elderly person.
I've learned that just one person saying to me
you've made my day!" makes my day-
I've learned that having a child fall asleep in
your arms is one of the most peaceful feelings
in the world!
I've learned that being kind is more important
than being right.
I've learned that no matter how serious life
requires you to be, everyone needs a friend to
act goofy with.
I've learned that the simple walks with my
father around the block on summer nights when
I was a kid did wonders for me as an adult.
I've learned that life is like a roll of toilet
paper. The closer it gets to the end, the faster
it goes.
I've learned that sometimes all a person needs
is a hand to hold and a heart to understand.
RESIDENT MEETING AND
BIRTHDAY BASH
Thursday, June 19,1:00
Even if you are not interested in cake and ice
cream, there is always lots of useful information at
this monthly State of the Community infonnation
meeting. This is a good time to voice any concerns
and get feedback.
BREAKFAST M1ITH CHEF RAY
Saturday, June 21
Ray Milford will host his usual tasty breakfast
Saturday, June 21 from 8:30 to 10 AM. Main entree
is quiche. Tickets are $3.50 in advance or $4.00 at
the door and will be sold Monday and Tuesday
June 16-17 from 10:30 to noon. Volunteers are
invited to sign up to help before, during and after
the breakfast. A sign-up sheet will be on the bulle-
tin board the week of the breakfast.
SOUP AND SALAD
Monday, June 30,11:30-1:00 pm
Our soup and salad events are always well
attended. Sign up sheets for volunteer chefs to
make home-made soup from their secret recipes
handed down through generations will be in the
dining room. PTS will supply salad ingredients.
Plan on attending.
Plymouth Town Square
June, 2014
GARAGE CLEANING
June 16, 8AM-6PM
MOVE VEHICLES OUT OF GARAGE
BY 7:30 AM
Now that spring has finally arrived and the
parking lot has been cleaned , the garage will
take it's turn to be swept and the sewers fresh-
ened up. Reminders will be posted well in
advance so you can move your car and empty
out the garage.
CHANDELIER CLEANED
June 18,9:00 am
The stairway will be closed for an hour or so
on June 18 in order for ladders to be set up so
the chandelier can be cleaned and the light bulbs
changed.
PTS LOGS IN OVER 729,244 STEPS
IN PLYMOUTH STEP -TO -IT
CHALLENGE
Nine people actively signed up for Plymouth
Town Squarc participation in the community
Step To It challenge. Various activities have
been converted to steps. For instance, weight
lifting translates into 121 steps for each minute.
Manually washing and drying dishes counts as
72 steps a minute. From May 4 to May 28, PTS
has logged over 729,244 steps.
We have until June 2 to post all activities be-
fore the site closes. down. Look for a total on the
bulletin board.
Summer Art Show
Linda $ardes wants to organize and arrange an art shoe sometime in June and is calling on anyone -kvleo
makes or use to create any art or craft items to contact her and let her lmour what you can enter into the
show. There will be an opening night with wine and cheese, and the following day the show will be also
be open. She will utilize the art and craft room on the second floor and any other space around the
rotunda as needed. Rest assured your items will be locked in the art and craft room overnvght. You can
leave a note on the sewing machine or see her personally.
In order to make this a special event she needs items to show. If you crochet, knit, paint, sew, quilt,
draw, make cards, etc., and would be willing to share any of your art, please let her know. The items do
not have to have been Znade recently. She would welcome anyone who would like to help make this a fun
and memorable event.
Spring has Sprung. . . at Last!
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this summer, here's a
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IF MY BODY WAS A CAR...
If my body was a car, this is the time I would be thinking
about trading it in for a new model.
I've got bumps and dents and scratches in my finish, and my
paint job is getting a little dull, but that's not the worst of it!
My headlights are out of focus and it's especially hard to
see things up close.
My traction is not as graceful as it once was, and I slip
and slide, skid and bump into things even in the best of weather.
My whitewalls are stained with varicose veins, and it takes
me hours to reach my maximum speed.
My fuel rate burns inefficiently.
But, here's the worst of it — almost every time I sneeze, cough
or sputter... either my radiator leaks or my exhaust backfires!
s
1
014ANGIE LAYMAN1- 5
JOHNNY WEISSMULLER 2
a . . . . ........... LINDA CHAMPAGNE 4
DELORES ISKIERKA 6
Ps"E..7 DEAN MARTIN 7
15 GALINA MAMMADOV
DOROTHY JOPP 13
LEONID SCOBOV 14
VIRGINIA GRINDAHL 15
SHUXIAN LI 19
MOE HOWARD 19
NINA PORTNOY 28
SLIM PICKENS 29
LORRAINE MALEY 30
TOM COCHRAN 30IN
JUNE BIRTHDAYS
Happy Birthday to the following residents
who are celebrating birthdays this month!
1
014ANGIE LAYMAN1- 5
JOHNNY WEISSMULLER 2
a . . . . ........... LINDA CHAMPAGNE 4
DELORES ISKIERKA 6
Ps"E..7 DEAN MARTIN 7
15 GALINA MAMMADOV
DOROTHY JOPP 13
LEONID SCOBOV 14
VIRGINIA GRINDAHL 15
SHUXIAN LI 19
MOE HOWARD 19
NINA PORTNOY 28
SLIM PICKENS 29
LORRAINE MALEY 30
TOM COCHRAN 30IN
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PLYMOUTH
TOW NE SQUARE
MEMORANDUM
To: Jim Barnes
From: Jeff Lelivelt, Managing Director, Plymouth Towne Square
Date: July 14, 2014
Re: PTS Monthly Report for June 2014
July Newsletter and Calendar attached
Occupancy/Marketing
Current Occupancy — 99 units (100%)
Current Wait List Status
One Bedroom — 59 applicants; closed
Two Bedroom — 31 applicants
Administrative/Building Operations
612-30 —Wiring for FOB system continues
6110-14 — All locks rekeyed for new master.
6111 — Roof Company inspected the roof and vents. Will submit recommendations for
snow and ice build ups and subsequent leaks.
6116 — Garage was swept; sewer lines were run.
6118 — Chandelier was cleaned. Switched to LED bulbs.
76 Work Orders were completed.
Resident Services
6119 — Resident Meeting and Birthday Bash. 37 attended.
6121 — Breakfast with Ray. 35 attended.
6130 — Soup and Salad luncheon. 49 attended.
15500 37th Avenue North • Plymouth, MN 55446-3250
Phone: (763) 550-9525 • Fax: (763) 551-0144
Owned by Plymoudi Housing and Rede eiopmenr Aurhoriry
Balance Sheet
PLYMOUTH TOWNE SQUARE
As Of June 30, 2014
ASSETS
CURRENT ASSETS
M I PETTY CASH
M I OPERATING ACCOUNT
M I SEC DEPOSIT CASH ACCOUNT
INVESTMENTS - WORKING CAPITAL FUND
INVESTMENTS - NEW DEBT SERVICE
ACCOUNTS REG -TENANTS
INTEREST RECEIVABLE
PREPAID PROPERTY INSURANCE
PREPAID WORKERS COMP INSUR
PREPAID OTHER
TOTAL CURRENT ASSETS
FIXED ASSETS
LAND
SITE IMPROVEMENTS
BUILDING
BUILDING IMPROVEMENTS
FURN, FIXT & EQUIP -GENERAL
FURNITURE & FIXTURES - HOUSEKEEPING
COMPUTERWFFICE EQUIPMENT
ACCUMULATED DEPRECIATION
TOTAL FIXED ASSETS
NON-CURRENT ASSETS
TOTAL ASSETS
LIABILITIES
CURRENT LIABILITIES
ACCOUNTS PAYABLE -TRADE
ACCRUED PAYROLL
ACCRUED COMPENSATED BALANCES
ACCRUED INTEREST
ACCRUED REAL ESTATE TAXES
ACCRUED OTHER
TOTAL CURRENT LIABILITIES
LONG-TERM LIABILITIES
SECURITY DEPOSITS
BONDS PAYABLE - SERIES 2011A
BOND PREMIUM
TOTAL LIABILITIES
EQUITY
RETAINED EARNINGS RSRVD FOR DS
RETAINED EARNINGS
TOTAL EQUITY
CURRENT YEAR INCOMEI(LOSS)
TOTAL LIABILITIES & EQUITY
Ending Balance Total
500
174,458
54,595
667,772
173,275
906)
3,750
1,319
214
4,070
459,247
11 LTID
5,767,619
301,779
379,211
8,696
13,060
3,473,530)
14,D93
3,95B
1,454
22J10
15,693
3,653
54,704
2,920,000
64,766
108,648
1,560,342
1,279,045
3,567,471
4,846,516
60,961
3,039,470
3,100,431
1,668,990
77,096
4,846,516
Profit and Loss Variance
PLYMOUTH TC7WNE SQUAME
T hrOUgh June 30, 2014
MTD Actual Budget Var. YTD Actual Budget Var. Year Budget
INCOME
APARTMENT RENTAL REVENUE 53,567 52,562 1,005 321,530 315,372 6,150 630,744
HRA INDIVIDUAL 17,917 17,917 0 107,502 107,502 0 215,004
GARAGE RENT 2,880 2,880 0 17,793 17,280 513 34,550
GUEST ROOM REVENUE 385 193 192 1,465 1,156 327 2,316
LAUNDRY REVENUE 843 855 12) 5,218 5,130 05 10,280
APPLICATION FEE REVENUE 0 53 53) 115 318 203) 636
TRANSFER FEE REVENUE 0 0 0 0 500 500) 500
INVESTMENT INCOME 1,256 1,250 8 14,336 7,500 6,838 15,000
MISCELLANEOUS REVENUE 0 185 185) 124 1,110 986) 2,220
TOTAL INCOME 76,848 75,895 953 468,104 455,870 12,234 911,240
EXPENSES
ADMINISTRATION
MANAGER SALARIESMAGES 3,834 3,677 43 23,132 23,262 130 46,524
PAYROLLTAXES 740 1,069 329 4,709 6,414 1,705 12,820
HEALTH INSURANCE 1,137 446 691) 7,843 2,676 5,167) 5,352
WORKERS COMA INSURANCE 65 178 113 424 1,066 644 2,136
MAINTENANCE SALARIESIWAGES 3,615 3,761 146 21,035 22,565 1,531 45,132
EMPLOYEECOSTS BO 80 0 520 520 0 1,040
SEMINARfrRAINING 0 25 25 0 150 150 300
BANK FEES 2 5 3 67 30 37) 60
LICENSE & PERMITS 0 0 0 23 0 23) 894
MILEAGE REIMBURSEMENT 52 89 37 50D 534 34 1,OeB
POSTAGE/OVERNIGHT EXPRESS 0 8 0 49 48 1) 96
PRINTING 0 10 10 0 60 60 120
MANAGEMENT FEES 4,400 4,400 D 26,40D 26,400 0 52,800
PROFESSIONAL FEES 0 350 350 289 2,100 1,811 4,200
TELEPHONE EXPENSE 502 500 2) 2,999 3,000 1 0,000
EQUIPMENT LEASEIRFPAIR 1,102 130 972) 2,270 780 1,490) 1.550
OFFICE SUPPLIES 246 95 151) 698 570 126) 1,140
TOTAL ADMIN EXPENSES 15,776 15,023 1753) 90,955 90,178 777) 181,250
RESIDENT SERVICES
RESIDENT PROGRAWACTIVITIES 13B 200 62 1,605 1,800 195 5,200
TOTAL RES SERV EXPENSES 138 200 62 1,605 1,800 195 5,200
MARKETING
PROMOTIONALWARTIFS D 15 15 0 9D 90 180
TOTAL. MARKETING EXPENSES 0 15 15 0 90 90 180
HOUSEKEEPING
CONTRACT LABOR 1,529 1,521 0) 0,886 9,126 44D 18,252
CLEANING SUPPLIES 190 115 75) 557 890 133 1,380
TOTAL HOUSEKEEPING EXPENSES 1,719 1,636 63) 9,243 9,816 573 19,632
Profit and Loss Variance
PLYMOUTH TOWNE SQUARE
ThrOLIgh .lane 30, 20'14
MTD Actual Budget Var. YTD Actual Budget Var. Year Budget
BUILDING & GROUNDS
CABLE TV EXPENSE 55 60 5 333 360 27 720
UTILITIES - ELECTRICITY 2,430 2,900 470 13,118 13,100 18) 27,300
UTILITIES - GAS 784 500 284) 16,571 11,900 6,671) 22,000
UTILITIES - WATERISEWER 724 1,010 286 3,990 4,760 770 9,540
WATER SOFTENING SERVICE 378 345 33) 1,866 2,070 204 4,140
DOORS, KEYS & WINDOWS 3,507 350 3,157) 3,665 2,100 1,565) 4,200
FIRE SYSTEM SERVICE 1,122 415 707) 3,507 2,490 1017) 4,880
LAWN SERVICERAN0.SCAP/SNOW RMVL 4,992 1,600 3,392) 18,552 9,60D 8,852) 19,200
PEST CONTROL 145 465 320 290 2,790 2,500 5,560
TRASH REMOVAL 383 300 83) 2,077 1,8CD 277) 3,500
UNIT TURNOVER REPAIRS 0 2,687 2,587 10,220 16,002 5,782 32,004
ELEVATOR -REPAIRS & MAINTENANCE 521 800 70 3,124 3,600 476 7,200
REPAIRS & MAINTENANCE 3,218 3,000 218) 19,441) 25,001) 5,560 35,500
BUILDING & GROUNDS SUPPLIES 512 1,600 1,008 5,315 9,600 4,265 19,200
HVAC -REPAIRS&MAINTENANCE 218 935 717 1,705 5,610 3,905 11,220
MISCELLANEOUS B & G EXPENSES 0 833 833 0 4,996 4,998 9,996
TOTAL BUILDING & GROUNDS 18,986 17,560 1,408) 105,772 116,780 18,008 216,380
OTHER OPERATING EXPENSES
PROPERTY & LIABILITY INSURANCE 2,537 2,0313 101 15,299 15,828 609 31,556
PAYMENT IN LIEU OF PROPERTY TAX 2,815 2,507 28) 15,593 15,522 171) 31,044
TOTAL OTHER OPERATING EXPENSES 5,152 5,225 73 30,912 31,350 438 62,700
TOTAL OPERATING EXPENSES 41,771 39,679 2,092) 238,488 249,D14 10,526 485,342
NET OPERATING INCOME ! ( LOSS) 35,077 38,216 1,139) 229,616 206,856 22,760 425,898
DEPREC, INTEREST & OTHER EXPENSE
DEPRECIATION EXPENSE 16,450 16,033 383 98,698 100,998 2,300 2D1,996
AMORTI7ATION EXPENSE 527 527 0 3,159 3,162 3 0324
RESERVEIREPLACE CAPITAL EXPENSE 3,771 0 3,771) 6,192 30,000 23,608 32,000
INTEREST EXPENSE 7,497 7,370 127) 44,471 44,220 251) 86,440
TOTAL DEPREC, INTEREST & OTHER 28,244 24,730 3,514) 152,521 178,380 25,859 328,760
NET INCOME / (LOSS) 6,832 11,486 4,654) 77,096 28,476 48,620 97,138
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COMMUNITY BREAKFAST
Saturday, July 19
Ray Milford will host his usual monthly
breakfast Saturday, July 19. No news yet on the
menu. Tickets, $ 3.50, sold Monday andTues-
day July 14 and 15 from 9-11. $ 4.00 at door.
A free ticket will be given to people who help
with set up and clean up. A sign up sheet will
be posted closer to the breakfast.
RESIDENT MEETING AND
BIRTHDAY CELEBRATION
Thursday; July, 19, 1:00
join us for our monthly birthday celebration
and resident meeting where we are kept
informed about all the news and the state of
affairs at PTS.
HOT DOG DAY OF SUM_MER9
MONDAY, JULY 21
If you are a hot lover this is your day. More
information closer to the event.
Many thanks to Barb Bren far editing and correcting
the reporters' mistakes. Oh my, is that comma in the
right place after the word, reporters'?
PlymouthTown Square
July 2014
WEDNESDAY POTLUCKS
5:00 PM
Our summer potlucks are in full swing and
as long as weather permits will continue until
it's too cold, rainy, snowy or windy. Bring
your own meat to grill and a dish to share. The
food is always varied and plentiful. No sign-
up's. Whatever your fancy is as far as a food
donation is welcome and appreciated.
MANY STEPS FOR PLYMOUTH
TOWN SQUARE STEP TO IT
PARTICIPANTS
Plymouth Town Square participated as a
team in the Step To It city-wide exercise and
activity program during the month of May.
Twelve people kept track of their activities
and translated them into steps. Weight lifting,
water workouts, washing dishes, gardening,
etc., were all counted and entered as steps.
Plymouth competed with many other com-
munities in Minnesota. Brooklyn Park led the
charge with Plymouth in hot pursuit at third
place. PTS added up a total of 2,697,146
steps.
PTS participants were Fern Blair, Ailing He,
Scott Hultman, Anne Crooks, Rich Crooks,
Shirley Denhardt, Bill Leach, Gerda Erickson.,
John Lawyin, Oyeronke Lawyin, Linda Bardes
and Dave McIndoo.
4w 0
ULM
ED
I stay a bit overweight because it wouldn't be fair to all the
skinny people if I were this attractive, intelligent, funny.... .
AND thin. Its a public service really.
THE TEST THA T WILL KEEP YOUR MEMORY 514ARP111
NEW SENIOR'S EXAM
YOU ONLY NEED 4 OUT OF 10 CORRECT TO PASS
1. How long did the Hundred Years' War last?
2. Which country makes Panama hats?
3. From which animal do we get cat gut?
4. In which month do Russians celebrate the
October Revolution?
5. What is a camel 's hair brush made of?
b. The Canary Islands in the Pacific are named
after what animal?
7. What was King George VI`s first name?
S. What color is the purple finch?
9. Where are Chinese gooseberries from?
10. What is the color of the black box in a
commercial airplane?
ANSWERS TO THE QUIZ:
1. The Hundred Years War lasted 116 years.
2. Ecuador makes Panama Hats.
3. We get cat gut from sheep and horses.
4. Russians celebrate the October Revolution in
November.
S. Camel's hair brushes are made from
squirrel fur.
6. The Canary Islands are named after dogs.
7. King George VI's first name was Albert.
B. The purple finch is crimson.
9. Chinese gooseberries are from New
Zealand.
10 The black box in a commercial airplane is
orange.
Congratulations.1.1.1.1
Well, you passed.... didn't you?
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REMOTE. GET UP
AND CHANGE IT
YOURSELF!
We all get heavier as we get older
because there's a lot more infonnation
in our heads. So I'm not fat,
M just really intelligent
and my head couldn't
hold any more so itA
started fillin-g up the
rest of me!
That's my story and I'm
0 sticking to it!
Gravity has lowered inychest, my stomach
and my butt. It hash tit lowered
911Ymycholesterol..
M&
JULY BIRTHDAYS
Happy Birthday to the following residents
who are celebrating birthdays this month!
ANATOILY GUTMAN 1
CECELIA BOESEN 3
JOANNE HUDOK 3
GERALDO RIVERA 4
JUAN JUSTINIANO 6
LARRY ARMSTRONG 7
ANNA MUSOKHRANOV 8
LINDA BARDES 9
JIM HARDING 10
JACK KEM P 13
JERRY MALEY 20
CATHY FUMANTI 22
RICHARD CROOKS 23
JOHN LAWOYI N 23
BARRY BONDS 24
GERHARD JOPP 26
ELEANOR PARRY 29
RUTH CLARK 30
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Vcksburg Crossing
MEMORANDUM
To: Jim Barnes
From: Sara Paquette
Date: June 13, 2014
RE: Vicksburg Crossing Monthly Report for May 2014
June Newsletter and June Calendar attached
Rentals:
As of May 31 st we have 93 occupied apartments with 1 vacant, and we have 2 deposits at this time,
giving us a total of 0 apartments available to rent. The resident living in apartment 321 will be moving out
at the end of May so we currently have a deposit on that apartment. The Low Income Apartment waiting
list now has 50 names so we have been adding interested people to the list.
Listed below is a breakdown of units that are occupied and vacant.
Style Total #
Square Feet Bedrooms
Occupied Vacant Deposits Est'd Move in
Style A (23) 850 Sq Ft 1 Bedroom
23 0 0
Style C (8) 884 Sq Ft 1 + Den S 0
0
Style C2 (8) 950 Sq Ft 1 +Den 7 1
1 June Sth
Style D 8 1187 Sq Ft 2 Bedroom 8 0 1 June 14th
Style D2 (4) 1281 Sq Ft 2 Bedroom 4 0 0
Style E (7) 1055 Sq Ft 2 Bedroom 7 0
0
S le E2 (3) 1055 Sq Ft 2 Bedroom 3 0 0
Affordable
725 Sq Ft 1 Bedroom 33 0 033)
TOTALS 193 1 2
3155 Nklzsbm-g X_ane N • Plynioutb, ININT 55447 • Phone (763)509-1877 • Fax (763)559-0144 • rn v.ci.plymoutli.mn.us
ownecl by PIy,mouth Honsina and 1 ec(evelopment Autkoyity,
EQUAL HOUSING
OPPORTUNITY
Move-Ins/Move-Outs:
We did not have anyone move in or move out this month. We currently have deposits on apartment 325
and apartment 321. The resident in 321 will be moving out at the end of May. The person moving into
325 will be staying in our guest suite for a week until her furniture arrives from Michigan.
Marketing
We continue to add more people to all our market rate waiting lists. We have had many people come to
tour, but there has also been an increase in people who are looking for immediate availability, and at this
time we are fully occupied with a waiting list.
Resident Services
On Wednesday, May 21' we had a pizza party and the Plymouth Rockers came to entertain everyone.
For dinner we had pizza, from Broadway Pizza, salad, Root Beer, and for dessert we had cookies. The
residents enjoyed the food and the Plymouth Rockers.
We had our monthly birthday party on Thursday, May 15th. We decorated with balloons, festive napkins
and plates. We listed the birthday people on a balloon poster and sang Happy Birthday. We also give each
resident a card on their birthday.
Building Issues
We had the outside of our windows cleaned this month.
We continue to explore options to eliminate water intrusion through the window sills when we have
heavy, wind driven rain. Water will pool in them and not drain out, but begin to leak inside the
apartment. This is a challenge for which we are hoping to find a more permanent solution.
We are also seeking a more permanent solution for preventing wasps from getting into the individual
HVA—C units and building nP3ts in the ducts. More imfnrmatinri will be provided as we narrow down the
options and investigate the cost benefit of the possible solutions.
Balance Sheet
VICKSASURG CROSSING
Ass Of May 31, 2014
ASSETS
CURRENT ASSETS
M I PETTY CASH
M I OPERATING ACCOUNT
M I SECURITY CASH ACCOUNT
INVESTMENTS - WORKING CAPITAL FUND
INVESTMENTS - DEBT SERVICE
ACCOUNTS REC-TENANTS
INTEREST RECEIVABLE
ACCOUNTS REG -OTHER
PREPAID PROPERTY INSURANCE
PREPAID WORKERS COMP INSUR
PREPAID OTHER
TOTAL CURRENT ASSETS
FIXED ASSETS
LAND
SITE IMPROVEMENTS
BUILDING
FURNITURE, FIXTURES & EQUIP -GENERAL
COMPUTERSIOFFICE EOUIPMENT
ACCUMULATED DEPRECIATION
TOTAL FIXED ASSETS
Ending Balance
516
753,240
61,597
362,330
9,359,562
650
833
130
2,733
212
4,220
814,593
238,793
9,025,428
341,736
B,6B0
2,758,474 )
Total
10,546,124
7,730,756
NON-CURRENT ASSETS
TOTAL ASSETS 16,276,880
LIABILITIES
CURRENT LIABILITIES
ACCOUNTS PAYABLE -TRADE 54,980
HEARTS & MEMORIALS FUND DONATIONS 16
ACCRUED PAYROLL 3,324
ACCRUED COMPENSATED BALANCES 1,454
ACCRUED INTEREST 233,892
ACCRUED REAL ESTATE TAXES 22,910
ACCRUED OTHER 7,583
TOTAL CURRENT LIABILITIES 284,158
LONG-TERM LIABILITIES
SECURITY DEPOSITS 60,417
BONDS PAYABLE 9,675,000
BOND PAYABLE -2012A 9,890,000
BOND DISCOUNT 25,923)
BOND DISCOUNT -2012A 25,623}
TOTAL LIABILITIES
EQUITY
NET INVESTMENTS IN CAPITAL ASSETS
RETAINED EARNINGS-RSRVD FOR DS
RETAINED EARNINGS
TOTAL EQUITY
CURRENT YEAR INCOME!(LOSS)
TOTAL LIABILITIES & EQUITY
11,833,046
9,883,117
23,136,941)
19,573,871
19,858,029
1,420,716)
160,431)
18,276,880
Profit and Loss Variance
VICKSBURG CROSSING
Through May 31, 2014
MTD Actual Budget Var. YTD Actual Budget Var, Year Budget
INCOME
APARTMENT RENTAL REVENUE 92,922 89,785 3,137 462,534 449,555 12,979 1,079,940
APARTMENT RENTAL REVENUE - COUNTY 2,160 2,135 33 10,840 10,875 165 25,620
HRA SUBSIDY - TAX LEVY 4,167 4,167 0 20,835 20,835 0 50,004
GARAGE RENT 3,015 2,925 90 15,062 14,625 437 35,100
GUEST ROOM REVENUE 520 130 390 590 650 60) 1,580
LATE FEE REVENUE 90 15 75 180 75 105 180
APPLICATION FEE REVENUE 0 53 53) 210 265 55) 635
TRANSFER FEE REVENUE 0 0 0 500 500 0 1,000
INVESTMENT INCOME 4,711) 417 5,128) 3,019) 2,085 5,104) 5,004
MISCELLANEOUS REVENUE 270 450 150) 1,681 2,250 569) 5,400
TOTAL INCOME 98,441 100,077 1,636) 509,414 501,515 7,899 1,204,444
EXPENSES
ADMINISTRATION
MANAGER SALARIES 4,355 4,261 94) 21,213 21,305 92 51,132
PAYROLL TAXES 703 1,038 335 3,943 5,190 1,247 12,455
HEALTH INSURANCE 1,358 1,624 266 8,664 8,120 1,456 19,488
WORKERS COMP INSURANCE 66 160 94 363 800 437 1,920
MAINTENANCE SALARIESIWAGES 3,632 3,153 479) 15,316 15,765 449 37,836
EMPLOYEE COSTS 80 80 0 440 440 0 1,040
SEMINARITRAINING 0 25 25 185 125 50) 300
BANK FEES 0 5 5 9 25 16 60
DUES, SUBS & MEMBERSHIPS 0 10 10 0 50 50 120
LICENSE & PERMITS 0 0 0 699 676 23) 876
MILEAGE REIMBURSEMENT 46 68 22 263 340 77 816
POSTAGUOVERNIGHT EXPRESS 13 12 1) 09 60 29) 144
PRINTING 0 5 5 0 25 25 60
MANAGEMENT FEES 4,200 4,200 0 21,000 21,000 0 50,400
PROFESSIONAL FEES 418 267 151) 569 1,335 766 3,204
TELEPHONE EXPENSE 674 527 147) 3,241 2,635 60B) 5,324
EQUIPMENT LEASEIREPAIR 50 504 54 890 520 370) 1,249
OFRCE SUPPLIES 127 90 37) 457 450 7) 1,080
TOTAL ADMIN EXPENSES 15,722 15,629 93) 75,341 78,861 3,520 188,504
RESIDENT SERVICES
RESIDENT PROGRAWACTIVITIES 568 293 285) 1,582 1,415 157) 5,113
TOTAL RES SERV EXPENSES 560 283 285) 1,582 1,415 167) 5,113
MARKETING
ADVERTISING 0 400 400 4,785 2,000 2,785) 4,800
PROMOTIONALIPARTIES 0 0 0 0 350 350 700
TOTAL MARKETING EXPENSES 0 400 400 4,785 2,350 2,435) 5,500
HOUSEKEEPING
CONTRACT LABOR 926 1,030 104 4,575 5,150 575 12,360
CLEANING SUPPLIES 151 110 41) 726 550 176) 1,320
TOTAL HOUSEKEEPING EXPENSES 1,076 1,140 64 5,302 5,700 396 13,680
Profit and Loss Variance
VICKSBURG CROSSING
Through May 39, 2014
MTD Actual Budget Var. YTD Actual Budget Var. Year Budget
BUILDING & GROUNDS
CABLE TV EXPENSE 119 125 8 6D1 625 24 1,500
UTILITIES - ELECTRICITY 1,708 2,100 392 8,833 9,800 967 25,300
UTILITIES - GAS 1,409 700 709) 24,850 14,200 1 D,650) 22,760
UTILITIES - WATERISEWER 902 935 33 4,717 4,675 42) 12,380
WATER SOFTENING SERVICE 165 182 3) 862 910 48 2,184
DOORS, KEYS & WINDOWS 0 93 93 2 465 463 1,116
FIRE SYSTEM SERVICE 53 321 268 1,587 1,605 18 3,852
LAWN SERVICOLANDSCAPISNOW RMVL 3,315 1,225 2,090) 11,055 0,125 4,930) 14,700
PEST CONTROL 190 825 435 355 2,668 2,313 5,672
TRASH REMOVAL 599 300 299) 3286 1,500 1,786) 3,600
UNIT TURNOVER REPAIRS 1,737 2,763 1,026 12.202 13 815 1.613 33,156
ELEVATOR -REPAIRS & MAINTENANCE 426 534 108 2,117 2,670 553 6,408
REPAIRS & MAINTENANCE 2,144 5,000 2,856 10,528 9,800 726) 27,400
BUILDING & GROUNDS SUPPLIES 765 750 15) 2,770 3,750 980 9,000
HVAC - REPAIRS & MAINTENANCE 359 740 381 3,4511 3,700 242 8,800
MISCELLANEOUS B & G EXPENSES 0 833 833 0 4,165 4,165 9,996
TOTAL BUILDING & GROUNDS 13,911 17,226 3,315 87,222 80,473 6,7491 187,844
OTHER OPERATING EXPENSES
PROPERTY & LIABILITY INSURANCE 2,662 2,710 48 13,312 13,550 238 32,520
PAYMENT IN LIEU OF PROPERTY TAX 4,582 4,664 82 22,910 23.320 410 55,968
TOTAL OTHER OPERATING EXPENSES 7,244 7,374 130 36,222 36,870 648 68,488
TOTAL OPERATING EXPENSES 38,521 42,052 3,529 210,453 205,669 4,784) 489,129
NET OPERATING INCOME f LOSS) 59,916 58,025 1,893 298,960 295,846 3,114 716,115
DEPREC, INTEREST & OTHER EXPENSE
DEPRECIATION EXPENSE 30,723 30,723 0 153,613 153,615 2 368,676
AMORTIZATION EXPENSE 200 208 0 1,039 1,040 1 2.496
RESERVFlREPLACE CAPITAL EXPENSE 9,646 0 9,646) 11,892 20,100 8,208 42,100
INTEREST EXPENSE 58,815 37,456 21,359) 292,847 187,280 105,567) 449,472
TOTAL DEPREC, INTEREST & OTHER 99,391 68,387 31,004) 469,391 162,035 97,356) 862,744
NET INCOME I (LOSS) 19,473) 10,362) 29,111) 160,431) 66,189) 94,242) 147,429)
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CVi1C2t U1g CrO.ss1I1g
June 2014
The grounds around Vicksburg Crossing are looking quite
stunning now that summer has arrived and our talented
gardening staff, Kathy, Cheri and Nancy have been hard at
work planting our pots.
They look beautiful!! They will be enjoyed all summer.
Plymouth Farmer's Market
The Plymouth Farmer's Market will open for the season on
Wednesday, June 18th.
The market will be held on Wednesdays from 2:30-6:30 through
October 1 st.
The market is located in the Plymouth Ice Center parking lot at
3650 Plymouth Blvd.
There are many local vendors providing fresh fruits and
vegetables. It's a short season so it's nice to have such a
wonderful market right in the neighborhood!
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11 Rent is due on or before Thursday, June 5th \11767
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iT IV-V
We have 2 new residents moving in this month. Jackie Fish is
moving into apartment 321 and Randine Flomer is moving into
apartment 325.
Welcome to Vicksburg Crossing!
Maintenance and Building Issues
When you are disposing of paper that has been shredded please put it in a
brown paper bag and staple it shut.
Tornado/Severe Weather ---If there is a tornado watch, or a severe weather warn-
ing for the Plymouth area, commercial radio or television will alert you. If
a tornado watch is issued it means that conditions are right for a tornado
or severe weather. This gives you time to prepare and you should watch
developing conditions. A tornado warning means that a tornado has
been sighted, If a tornado warning is issued our storm shelter is in the
underground parking garage.
You may refer to page 11 in your Resident Handbook.
On Tuesday, June 24th they will be coming to sweep and power wash our under-
ground parking garage. It will take the entire day. I will send out a notice
several days before the work is scheduled to be done.
On Monday, June 30th they will be doing some cement repair work in the under-
ground parking garage. I will send out a notice
several days before the work is scheduled to be done with more specific details,
If you leave personal items in the community room freezer or refrigerator
please be aware that they may be thrown away if they are in there for too long.
10 We -M
Summer Party
We've all been waiting a long time for summer to make an appearance so let's welcome it
with a summer celebration. We will have a luncheon and ice cream social on Thursday, June
26th at 12:00. There will not be a musical performance. We will have hot dogs,
chips and beans. For dessert we will have ice cream with toppings.
The cost will be $5.00 and sign up will be on Monday, June 23rd and Tuesday,
June 24th from 10-12 in the community room.
There will be a volunteer sign up sheet outside my office.
Remember that silence is sometimes the best answer.
Canadian Summer
I asked my Canadian friend "Did you have a good Summer? He replied
Yes indeed, we had a great picnic that afternoon!"
Happy Birthday to the following,
residents this month:
June birthdays will be celebrated on Thursday, June 19th at
r 2:00 in the Community Room
The birthday celebration is open to all residents who wish to
come down and help us celebrate.
Even if it's not your birthday)
Our birthday party is always on the 3rd Thursday of the month.
Toby Warner June 3rd
Thelma Johnson June 10th
Del Priebe June 14th
Audrey Well June 14th
Dolores Ardies June 17th
June Patrin June 17th
IlkMarilynbowersJune20thfk
Marlys Kingery June 20th
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wksbm-g Crossing
MEMORANDUM
To: Jim Barnes
From: Sara Paquette
Date: July 14, 2014
RE: Vicksburg Crossing Monthly Report for June 2014
July Newsletter and July Calendar attached
Rentals:
As of June 30th we have 94 occupied apartments with 0 vacant, and we have 1 deposit at this time, giving
us a total of 0 apartments available to rent. The residents living in apartment 101 will be moving out at the
end of June so we currently have a deposit on that apartment. The affordable apartment waiting list now
has 51 names and we have been adding interested people to the list,
Listed below is a breakdown of units that are occupied and vacant.
Style (Total #)
Square Feet Bedrooms
Occupied Vacant Deposits Est'd Move in
Style A (23) 850 Sq Ft 1 Bedroom
23 0 0
Style C (8) 884 Sq Ft 1 + Den 8 0
0
Style C2 (8) 950 Sq Ft 1 + Den 8 0
1 July 15th
Style D (8) 1187 Sq Ft 2 Bedroom 8 0 0
Style D2 (4) 1281 Sq Ft 2 Bedroom 4 0 0
Style E (7) 1055 Sq Ft 2 Bedroom 7 0
0
Style E2 (3) 1055 Sq Ft 2 Bedroom 3 0 0
Affordable
3 3) 725 Sq Ft 1 Bedroom 33 0 0
TOTALS 1 1 194 0 1
3155 vickshurg Lame \T e Plymouth, MN 55447 • Phone (.763)559-1877 • Fax (763)559-0114 • WMV.ci.p1),...th.nui.us
OimcJ by Plymouth Housing and RedevelopmenL Authority 12Y
EQUAL HOUSING
OPPORTUNITY
Move-InslMove-Outs:
We had 2 people move in this month into apartment 321 (style D) and 325 (style C2). We did not have
any residents move out.
Marketing
We continue to add more people to all our moderately priced waiting lists and to our affordable waiting
list. We have had many people come to tour, but there has also been an increase in people who are
looking for immediate availability, and at this time we are fully occupied with a waiting list.
Resident Services
On Thursday, June 26th we had a celebrate summer party. We grilled hot dogs, had vegetables and dip,
beans, chips and ice cream with toppings for dessert. We did not have entertainment but the residents
enjoyed the time visiting with friends.
We had our monthly birthday party on Thursday, June, 19th. We decorated with balloons, festive napkins
and plates. We listed the birthday people on a balloon poster and sang Happy Birthday. We also give each
resident a card on their birthday.
Building Issues
We had our underground parking garage swept and power washed.
Trans Alarm has started work to install a new controlled access system for our entry doors. Residents will
now use a fob, which Management can electronically render inactive should someone lose it, instead of a
key. This will provide better control over building access and should be easier for the residents.
Balance Sheet
VICKSBURG CROSSING
As Of June 30, 2014
ASSETS
CURRENT ASSETS
M I PETTY CASH
M I OPERATING ACCOUNT
M I SECURITY CASH ACCOUNT
INVESTMENTS - WORKING CAPITAL FUND
INVESTMENTS - DEBT SERVICE
ACCOUNTS REC-TENANTS
INTEREST RECEIVABLE
PREPAID PROPERTY INSURANCE
PREPAID WORKERS COMP INSUR
PREPAID OTHER
TOTAL CURRENT ASSETS
FIXED ASSETS
LAND
SITE IMPROVEMENTS
BUILDING
FURNITURE, FIXTURES & EQUIP -GENERAL
COMPUTERSIOFFICE EQUIPMENT
ACCUMULATED DEPRECIATION
TOTAL FIXED ASSETS
NON-CURRENT ASSETS
TOTAL ASSETS
LIABILITIES
CURRENT LIABILITIES
ACCOUNTS PAYABLE -TRADE
HEARTS & MEMORIALS FUND DONATIONS
ACCRUED PAYROLL
ACCRUED COMPENSATED BALANCES
ACCRUED INTEREST
ACCRUED REAL ESTATE TAXES
ACCRUED OTHER
TOTAL CURRENT LIABILITIES
LONG-TERM LIABILITIES
SECURITY DEPOSITS
BONDS PAYABLE
BOND PAYABLE -2012A
BOND DISCOUNT
BOND DISCOUNT -2012A
TOTAL LIABILITIES
EQUITY
NET INVESTMENTS IN CAPITAL ASSETS
RETAINED EARNINGS-RSRVD FOR DS
RETAINED EARNINGS
TOTAL EQUITY
CURRENT YEAR INCOME/(LOSS)
TOTAL LIABILITIES & EQUITY
Ending Balance
516
811,846
62,453
361,661
9,363,729
733
1,250
1,357
217
4,030
874,593
238,793
9,025,428
341,736
8,660
2,789,196)
10,277
16
3,858
1,454
292,365
27,492
4,685
61,309
9,675,000
9,890,000
25,819)
25,520)
11.833.045
9,883,177
23,136,941)
Total
10,607,803
7,700,033
18,307,836
340,347
19, 574, 970
19,915,317
1,420,718)
186,763)
18,307,836
Profit and Loss Variance
VICKSBURG CROSSING
ThrOLrgh JLrne 30, 2014
MTD Actual Budget Var. YTD Actual Budget Var. Year Budget
INCOME
APARTMENT RENTAL REVENUE 93,593 90,415 3,176 556,127 539,970 16,157 1,079,940
APARTMENT RENTAL REVENUE - COUNTY 2,168 2,135 33 13,008 12,810 196 25,620
HRA SUBSIDY - TAX LEVY 4,167 4,167 0 25,002 25,002 0 50,004
GARAGE RENT 2,976 2,925 51 18,038 17,550 486 35,100
GUEST ROOM REVENUE 600 130 470 1,190 780 410 1.560
LATE FEE REVENUE 60 15 45 240 9D 150 180
APPLICATION FEE REVENUE 35 53 18) 245 318 73) 636
TRANSFER FEE REVENUE 0 0 0 500 50D 0 1.000
INVESTMENT INCOME 423 417 6 2,595) 2,502 5,097) 5,004
MISCELLANEOUS REVENUE 270 450 1 so) 1,951 2,700 749) 5,400
TOTAL INCOME 104,292 100,707 3,585 613,706 602,222 11,484 1,204,444
EXPENSES
ADMINISTRATION
MANAGER SALARIES 4,214 4,261 47 25,427 25,566 139 51,132
PAYROLL TAXES 695 1,036 343 4,638 6,228 1,590 12,456
HEALTH INSURANCE 1,358 1,624 266 8,023 9,744 1,721 19,466
WORKERS COMP INSURANCE 66 160 94 429 960 534 1.920
MAINTENANCE SALARIESAVAGES 3,017 3,153 136 18,333 18,918 585 37,836
EMPLOYEE COSTS 60 60 0 520 520 0 1,040
SEMINAR/TRAINING 0 25 25 165 150 35) 300
BANK FEES 0 5 5 9 30 21 60
DUES, SUBS & MEMBERSHIPS 0 10 10 0 60 60 120
LICENSE & PERMITS 200 200 0 899 876 23) 876
MILEAGE REIMBURSEMENT 41 66 27 305 408 103 Bib
POSTAGElOVERNIGHT EXPRESS 1B 12 6) 107 72 35) 144
PRINTING 50 5 45) 50 30 20) 60
MANAGEMENT FEES 4,200 4,200 0 25,200 25,200 0 50,400
PROFESSIONAL FEES 27 257 241 595 1,602 1,000 3,204
TELEPHONE EXPENSE 664 527 137) 3,905 3,162 743) 6,324
EQUIPMENT LEASEfREPAIR 703 104 599) 1,593 624 969) 1,248
OFFICE SUPPLIES 60 90 30 516 540 24 1 080
TOTAL ADMIN EXPENSES 15,393 15,829 436 90,734 94,690 3,956 188,504
RESIDENT SERVICES
RESIDENT PROGRAMMCTIVITEES 333 2a3 50) 1.916 1,698 216) 5,413
TOTAL RES SERV EXPENSES 333 283 t50) 1,916 1,698 218) 5,113
MARKETING
ADVERTISING 950 400 550) 5,735 2,400 3,335) 4,800
PROMOTIONAUPARTIES 0 0 0 0 350 350 700
TOTAL MARKETING EXPENSES 950 400 550) 5,735 2,750 2,985) 5,500
HOUSEKEEPING
CONTRACT LABOR 926 1,030 104 5,501 6,180 679 12,380
CLEANING SUPPLIES 146 110 3(3) 872 660 212) 1.320
TOTAL HOUSEKEEPING EXPENSES 1,072 1,140 68 6,373 6,840 467 13,680
Profit and Loss Variance
VICKSBURG CROSSING
Through June 30, 2014
MTD Actual Budget Var. YTD Actual Budget Var. Year Budget
13UILDING & GROUNDS
CABLE TV EXPENSE 219 125 94) 821 750 71) 1,500
UTILITIES - ELECTRICITY 1,907 2,500 593 10,740 12,300 1,560 25,300
UTILITIES - GAS 638 400 238) 25,488 14,600 10,888) 22,700
UTILITIES - WATERISEWER 1,164 1,150 14) 5,881 5,825 55) 12,360
WATER SOFTENING SERVICE 0 182 182 862 1,092 230 2,164
DOORS, KEYS & WINDOWS 160 9$ 67) 162 558 396 1,116
FIRE SYSTEM SERVICE 53 321 268 1,639 1,926 281 3,852
LAWN SERVICHLANDSCAPISNOW RMVL 1,510 1,225 285) 12,566 7,350 5,216) 14,700
PEST CONTROL 164 168 4 519 2,836 2,317 5,572
TRASH REMOVAL 699 300 299) 3,805 1,800 2,005) 3,800
UNIT TURNOVER REPAIRS 3,545 2,763 782) 15,747 16,578 831 33,156
ELEVATOR -REPAIRS & MAINTENANCE 426 534 108 2,542 3,204 862 6,408
REPAIRS & MAINTENANCE 3,136 4,300 1,164 13,682 14,100 438 27,400
BUILDING & GROUNDS SUPPLIES 887 750 137) 3,657 4,500 843 9,DOO
HVAC - REPAIRS & MAINTENANCE 1,912 740 272) 4,470 4,440 30) 8,880
MISCELLANEOUS B & G EXPENSES 0 833 833 0 4,996 4,998 9,996
TOTAL BUILDING & GROUNDS 15,418 15,384 966 102,644 95,857 5,783) 187,844
OTHER OPERATING EXPENSES
PROPERTY & LIABILITY INSURANCE 2,652 2,710 48 15,974 16,260 266 32,520
PAYMENT IN LIEU OF PROPERTY TAX 4,582 4,664 82 27,492 27,984 402 55,968
TOTAL OTHER OPERATING EXPENSES 7,244 7,374 130 43,466 44,244 776 88,488
TOTAL OPERATING EXPENSES 40,410 41,410 1,000 250,664 247,D79 3,785) 460,129
NETOPERATING INCOME! ( LOSS) 63,882 59,297 4,585 362,842 355,143 7,699 715,315
DEPREC, INTEREST& OTHER EXPENSE
DEPRECIATION EXPENSE 30,723 30,723 0 184,336 184.338 2 368,676
AMORTI2ATION EXPENSE 208 208 0 1,247 1,248 1 2,496
RESERVE7REPLACE CAPITAL EXPENSE 669 22,D00 21,331 12,561 42,100 29,539 42,100
INTEREST EXPENSE 58,614 37,456 21,158) 351,461 224,736 126,725) 449,472
TOTAL DEPREC, INTEREST & OTHER 90,214 90,387 173 549,605 452,422 97,163) 662,744
NET INCOME 1(LOSS) 26,332) 31,090) 4,758 186,765) 97,279) 89,484) 147,429)
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July 2014
Summer is in full swing now and we had a party to celebrate!! Luckily
we had no rain to spoil our cookout. Jim Halsted was nice enough to grill
some hot dogs for the crowd and we had ice cream with toppings for
Viola~lett' .... in dessert. Everyone had a good time visiting with their neighbors.
Thanks to Jim and all the other volunteers who helped at the party. We
never have a shortage of volunteers willing to help. I want to let you all
greatly appreciated!
Plymouth 4th of July Celebration
Don't miss an evening of music, fireworks and food on Tuesday, July 1 st
at the Hilde Performance Center. The Minnesota Orchestra will headline
the entertainment but the line up also includes: Mu Daiko a Japanese
drumming group, Fire -dancers, singer -songwriter Alison Scott and coun-
try rock group Maiden Dixie.
The Medicine Show Music
Company and In The Heart of the Beast Puppet & Mask
Theater will stroll through the crowd.
July 4th Holiday
The office will be closed on Friday, Ji
Monday, July 7th for the 4th of July
Happy Birthday to the following
41 residents this month:`
July birthdays will be celebrated on
Thursday, July 17th in the Community Room.
The birthday celebration is open to all residents who wish to
come down and help us celebrate.
Even if it's not your birthday)
Dick Golfis July 4th
Joyce Goll July 4th
JoAnne Nielsen July 4th
Marlene Parker July 11 th
Randy Russett July 13th
Sharon Triem July 16th
J erry xeliman July 18th
Barb Riley July 23rd
Night to Unite
Save the Date! Our Night to Unite party is Tuesday, August 5th.
More information will be in the August newsletter.
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7} i} i} i} i} i} i} 7} 7} i} i}C **** i} i} i} i} 7} 7} * 7} * -W i C i}
Rent is due on or before Saturday, July 5th NJ/
Healthy Eating
Summer is a good time to take advantage of all the fresh fruits and vegetables available in
Minnesota. Eating well has many benefits that people do not take in to consideration such as,
increased mental acuteness, resistance to illness and disease, higher energy levels, faster recu-
peration time and better management of chronic health problems. Eating well can improve
your outlook and help you stay emotionally balanced as well.
It's a short season so visit one of the local Farmer's Markets and try some
of the wonderful produce grown here in Minnesota!
War does not determine who is right—only who is left.
Maintenance and Building Issues
Please do not rush other residents when entering and leaving the parking
garage. Everyone should be watching the door close when the enter or leave.
We are having trouble with grocery carts again! If you use a grocery cart to
take things from your car to your apartment please return the cart to the garage
lobby as soon as possible.
ThankYou!
Just for the fun of it! (thanks Margaret)
My husband and I divorced over religious differences.
He thought he was God and I didn't.
Being over the hill is much better than being under it!
I used to have a handle on life, but it broke.
Beauty is in the eye of the beer holder.
Ham and eggs.....A day's work for a chicken, a lifetime commitment for a pig.
Consciousness: That annoying time between naps.
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Agenda Number ). D.
PLYMOUTH HOUSING AND
REDEVELOPMENT AUTHORITY
STAFF REPORT
TO: Plymouth Housing and Redevelopment Authority
FROM: Spencer Agnew, HRA Specialist, through Jim Barnes, Housing Programs
Manager and Steve Juetten, Executive Director
MEETING DATE: July 24, 2014
SUBJECT: 2013 Community Development Block Grant (CDBG) Consolidated
Annual Performance and Evaluation Report (CAPER) and Notice of
Annual Citizens' Participation Meetings
BACKGROUND:
The attached 2013 Consolidated Annual Perfol mance and Evaluation Report (CAPER) reviews
the City of Plymouth's accomplishments towards meeting the five-year goals defined in the
Consolidated Plan, as required by the Department of Housing and Urban Development (HUD)
for communities receiving CDBG funding. The 2013 year consists of the time period from July
1, 2013 through June 30, 2014 and is the fourth grant period of the 2010-2014 Consolidated
Plan.
DISCUSSION:
The five-year goals of the Consolidated Plan are the quantitative unit goals for the entire
Hennepin County Consortium, which includes Hennepin County, and the cities of Bloomington,
Eden Prairie, Minnetonka and Plymouth. Based on Federal funding allocations, Plymouth is
responsible for approximately seven percent of the Consortium's goals.
The City helped four households with residential rehabilitation assistance, two households with
emergency small repair grant funds, and two households with mortgage principal reduction,
down payment and closing cost assistance to purchase their first home. Four additional housing
rehabilitation loans were initiated during the 2013 program year and will be completed in 2014.
Although there are no unit goals for public services, support of public services is considered a
high priority. Through CDBG funds, Plymouth has supported family services, youth services,
senior services and transportation services for seniors, disabled and low-income residents. Given
the limited amount of CDBG funding that can be allocated to public services, the City was not
able to support any neighborhood revitalization services or financial assistance and services at
senior centers.
Hennepin County, as the lead agency responsible for the development of the Consolidated Plan
has overall responsibility for the housing and community development needs profile which
include elderly and physically disabled renters, physically disabled first time homebuyers, and
housing for persons with special needs targeting frail elderly, chemically dependent, mentally ill,
and persons with HIV/AIDS. While the City has made no progress in these areas, the City has
worked with the Consortium as a whole to accomplish the goals as set out in the five-year
strategic plan and an annual action plan.
The Consolidated Plan accomplishments also relate to HRA and City housing goals. In the -
HRA's 2013 Action Plan, which is required to track compliance with the five-year Consolidated
Plan goals, there are four result areas. In 2013, CDBG funded activities addressed all four of
these strategies, which included:
Affordable IIousing
Rehabilitation of Private Property
First Time Homebuyer Assistance
Public Services
In the City of Plymouth's Comprehensive Plan, there are 19 implementation strategies included
in the Housing Plan. 1112013, CDBG funded activities addressed seven of these strategies, these
included:
Financial Support and Technical Assistance for Maintenance and Development of
Affordable IIousing
Financial Support for Existing Low and Moderate Income Rental Housing
Long Term Affordability
Livability of Housing and Neighborhoods
Housing Conditions
Housing Maintenance
Fair Housing
HUD requires at least two public meetings be held each year to provide opportunities for
residents and interested representatives of local organizations to be involved in reviewing
program activities, the local needs of low and moderate -income persons and proposed uses for
CDBG funds. The first public meeting will be advertised and held in coordination with the
Hennepin County Consortium on Tuesday, September 9, 2014. Any comments received at the
hearing will be submitted to HUD. The second meeting will be a public hearing held in February
2014 to obtain public comment on proposed activities for the next year's CDBG funding.
RECOMMENDATION:
Staff recommends that the Housing and Redevelopment Board of Commissioners approve the
2013 CDBG Consolidated Annual Performance and Evaluation Report (CAPER) and
recommend that it be submitted to the Department of Housing and Urban Development (HUD).
ATTACHMENTS:
2013 CDBG Consolidated Annual Performance and Evaluation Report
Consolidated Annual Performance and Evaluation Report
City of Plymouth, Minnesota for CDBG Program Year 2013
Reporting Period: July 1, 2013 - June 30, 2014
TABLE OF CONTENTS
1. Annual Performance Narratives
1. Executive Summary
2. Assessment of Five -Year Goals and Objectives
3. Affirmatively Furthering Fair Housing
4. Affordable Housing
5. Continuum of Care
6. Other Actions
7. Leveraging Resources
8. Grantee Self -Evaluation
Il. Citizen Participation
III. CDBG Program
1. Assessment of Approved Activities to Priorities and Objectives of Approved Plans
2. Analysis of Distribution of CDBG Funds Among Consolidated Plan Needs
3. Reasons for Possible Changes to Program Objectives
4. Assessment of Consolidated Plan Implementation
5. Meeting National Objective Goals
6. Displacement and Relocation of Real Property
7. Economic Development Activities
8. Rehabilitation Activities
9. Annual Housing Completion Goals
10. Financial Summary (PR26)
IV. IDIS Reports
1. Summary of Accomplishments Report (PR23)
2. Summary of Consolidated Plan (PR06)
3. Activity Summary CDBG Program (PR03)
1
I. ANNUAL PERFORMANCE NARRATIVES
1. Executive Summary
The City of Plymouth is the recipient of Community Development Block Grant (CDBG)
entitlement funds through the U.S. Department of Housing and Urban Development (HUD).
These funds are allocated and expended for activities benefiting City of Plymouth residents.
HUD requires the submission of an annual performance report of this program. The following is
an overview of accomplishments for the most current reporting period of July 1, 2013 - June 30,
2014. This is the fourth reporting period under the 2010-2014 Consolidated Plan.
Table A illustrates CDBG program resources allocated by the City of Plymouth in program year
2013.
Table A. Plvmouth CDBG Prouram — Allocation of Resources 2013
HRA Programs
Housing Rehabilitation Program Housing rehabilitation loans 100,000.00
First Time Homebuyer Program First time homebuyer loans 56,000.00
General Program Administration Administration 27,341.00
Affordable Housing Development Assisted housing activities 15,000.00
Fair IIousing Activities Further fair housing 1,500.00
Public Service Programs
Community Action for Suburban
Hennepin (CAPSH)
Homeownership counseling,
tenant counseling and education
14,000.00
Family Hope Services Youth counseling 10,000.00
Home Line Tenant hotline 8,700.00
People Responding in Social Ministry
PRISM)
Transportation services 2,300.00
SCS — Senior Community Services Home maintenance for seniors 3,000.00
TOTAL 237,844.00
2
2. Assessment of Five -Year Goals and Objectives
The following identifies for each Consolidated Plan section, the goals, strategies, program year
accomplishments, and the cumulative five-year accomplishments. Table B provides a
comparison of performance against Five -Year Goals. The Five -Year Goals represent the goals
defined in the Consolidated Plan for the entire Hennepin County Consortium, The Program Year
and Five -Year Accomplishments represent the accomplishments of the City of Plymouth.
Plymouth is one of the five CDBG entitlement jurisdictions in this group of 43 suburban
communities. Further explanation of performance is contained in the narrative for each Plan
section.
Table B. Plvmouth HousinLy Performance 2010-2014 ALyainst Five -Year Goals
3
PROGRAM
FIVE-YEAR
HOUSEHOLDS TO BE
FIVE-YEAR YEAR
ACCOMPLISH
ASSISTED
PRIORITY UNIT GOALS ACCOMPLISH
MENTS
CONSORTIUM) MENTS
PLYMOUTH)
PLYMOUTH)
Renters
Small Family, Unrelated High <50% MFI 505 units
See Hennepin See Hennepin
Large Family High <50% MFI 79 units
County Report County Report
Elderly High <50% MFI 100 units
Owners
Existing Homeowners
llousing Rehabilitation High <50% MR 1,600 units 6 25
Physically disabled High <80% MFI 266 households 1 5
First Time Homebuyers
Homeownership Assistance High <80% MFI 1,958 households 2 12
Physically Disabled High <80% MFI 8 households
Homeless Persons
Prevention & Housing Services Use Continuum 500 persons See Hennepin See Hennepin
of Care County Report County Report
Housing units/beds High <30% MFl 355 units/beds
Persons with Special Needs
Frail Elderly Medium 25 units/beds
Chemically Dependent Low 25 units/beds
Mentally 111 High <50% MFI 50 units/beds See Hennepin See Hennepin
Developmentally Disabled Medium 25 units/beds County Report County Report
Physically Disabled I-[igh <50% MFI 25 units/beds
Persons with HIWAIDS Low 25 units/beds
Family Services (people served)
Emergency Assistance High <80% MFl 26,000
Homeownership Training High <80% MFI 1,500 38 120
Mortgage Foreclosure Prevention High <80% MFI 1,000 22 116
Tenant Advocacy High <80% MFI 5,000 246 918
Homeless Prevention & Housing Svc Hiph <50% MFI 1,500
Senior Services (people served)
Home Maintenance and Chores High <80% MFI 6,700 98 200
Services at Senior Centers High X80% MFI 159,000
Financial Assistance High <80% MFI 175
Youth Services (people served)
Recreational and Park Programs High <80% MFI 400
Criminal Justice Intervention High <80%MF1 600
Outreach homeless/Runaway Youth High <801/10 MFI 500 104
Group Counseling to A€ -risk Youth High <80% MFI 1,000 199 1,133
Neighborhood Revitalization See Hennepin See Hennepin
Acquisition for Rehab/Clearance High <80% MFI 5 County Report County Report
Transportation Services
Rides: Seniors, Disabled & Low Income High <80% MFI 4,500 55 1,294
3
Small Family, Unrelated Individuals, and Large Family Renters
Consortium Five -Year Goals:
Develop 235 units of new affordable rental units for small families over the next five years.
Develop 41 new rental units for large families over the next five years.
Strategies:
Target the use of anticipated resources for the development of additional affordable rental
housing for households with income below 50 percent of median income, particularly
households with income below 30 percent of median income.
Support efforts to address barriers to the wider use of Housing Choice Vouchers.
Support use of anticipated resources for the preservation of existing assisted rental housing.
Acquire single-family homes for publicly owned rental units.
Rehabilitate/convert smaller apartments into units with three or more bedrooms.
Construct new units with three or more bedrooms.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
No new housing for renters was produced with CDBG assistance.
Section 8 Housing Choice Voucher Program
The City continues to operate a Section 8 Housing Choice Voucher program. Currently the
Plymouth HRA has funding for 225 vouchers and as of June 30, 2014 there were another 149
voucher holders residing in Plymouth who ported in from other jurisdictions. Twenty of
Plymouth's Section 8 vouchers are project -based; eight are located at Stone Creek Apartments,
five at Vicksburg Commons Townhomes and seven at Westview Estates. There are four Metro
Housing Opportunity Program (MHOP) units at the Stone Creek Apartment complex and two
Metro Housing Opportunity Program (MHOP) units at Shenandoah Woods Apartment complex.
The City of Plymouth engages in a broad array of activities to identify and assist low income
renter households. These activities include working closely with our Section 8 staff, our housing
code enforcement staff and providing information to Plymouth residents about programs
available to assist them through news letters, our City web page and a local government
television channel. These efforts do not only target low-income renter households, but the entire
population of the City. We work closely with our social service subgrantees in identifying
households that are in need of assistance and due to being low-income, have very few options.
Some of these efforts are handled outside of the CDBG program. For example, the City allocates
over $300,000 annually to provide rental assistance to two senior apartment buildings owned by
the HRA. We also work with the entire Hennepin Consortium to address "worst -case -needs".
Affordable Housing Development
No new affordable housing development was produced with CDBG assistance.
The City did provide $600,000.00 to assist with the development of 67 units of workforce
housing and two million dollars to assist with the redevelopment of a blighted site that will
result in 157 new housing units, 16 of which will be affordable. The 67 unit facility is
currently open and 100 percent occupied and the redevelopment project is seeking additional
financing.
Elderly Renters
Consortium Five -Year Goals:
Increase the supply of new, affordable elderly housing by 100 units over the next five years.
4
Preserve existing affordable rental housing that is eligible for HUD mortgage pre -payment
and/or to opt -out of the Section 8 rental assistance program.
Strategies:
Seek opportunities for development of new affordable senior housing as part of
neighborhood redevelopment initiatives and seek opportunities for intergenerational housing.
Use available resources to assist the development of HUD Section 202 housing through land
acquisition, site improvements and other eligible appropriate ways.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
No new housing for elderly renters was produced with CDBG assistance.
The City of Plymouth continues to own and operate two subsidized senior rental communities
with local financing. Plymouth Towne Square provides 99 affordable rental -housing units.
Vicksburg Crossing provides 34 Iow income and 62 moderate income units for a total of 96
affordable units. During the 2013 Program Year, the Plymouth I -IRA provided $300,000.00 to
support these two buildings.
Physically Disabled Renters
Consortium rive -Year Goals:
Develop 25 new accessible rental units using anticipated Section 811 resources.
Strategies!
Affirmatively further fair housing by facilitating enforcement of the ADA, which prohibits
discrimination against people with disabilities in rental housing.
Encourage use of the universal design concept that incorporates elements of accessibility into
standard housing designs,
Assure accessible and adaptable design is incorporated into new rental housing units
supported with HOME and CDBG funding.
Encourage making accessible housing part of the program criterion of the Livable
Communities Act, which promotes the dual concepts of affordable and life cycle housing.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
No new housing for disabled renters was produced with CDBG assistance.
Existing Homeowners
Consortium Five -Year Goals:
Use CDBG funding to alleviate substandard housing conditions for 1,600 extremely low and
low-income homeowners over the next five years.
Strateizies:
Maximize the delivery of assistance to eligible households with resources available from the
urban Hennepin County CDBG Program, City of Plymouth's CDBG Program, City of
Bloomington's CDBG Program, City of Minnetonka's CDBG Program, City of Eden
Prairie's CDBG Program, and the Minnesota Housing Finance Agency Deferred, Revolving
and various rehabilitation programs.
Where possible, review and amend existing programs to reflect the changing rehabilitation
environment. Establish priorities for the delivery of rehabilitation funds and ensure that these
funds are promptly expended.
5
Help prevent mortgage foreclosure, through funding of mortgage foreclosure prevention
services and other supportive services, to address contributing factors.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
Provided four households with residential rehabilitation assistance through the City of
Plymouth's CDBG Program.
Provided two households with emergency small repair grant funds through the City of
Plymouth's CDBG Program.
The Housing Rehabilitation Program has run continuously since its first loan in 1975. There are
currently 75 outstanding loans with a principal balance of $987,001.80. There were no
rehabilitation loans forgiven or written off due to defaults during the 2013 grant year. The City
of Plymouth has designated a percent of funds allocated for housing rehabilitation to be used for
a Emergency Repair Grant Program. During the 2013 grant year, four housing rehabilitation
projects and two emergency repair grants were completed. Four additional projects have been
approved and have work in progress.
A total of $137,059.36 was expended through June 30, 2013. A total of $ $84,156.74 of program
income was received through June 30, 2013. In addition to the funds spent during the program
year, $31,620.00 has been committed through work contracts in progress.
During the 2013 CDBG grant year no homeowners in Plymouth received MHFA financed home
improvement/rehabilitation loans through the Fix -Up Fund.
Existing Homeowners with Physically Disabled Family Members
Consortium Five -Year Goals:
Assist 266 households with accessibility improvements.
Strategies:
Provide accessibility improvements using anticipated housing rehabilitation resources.
Continue county participation in the State of Minnesota Medical Assistance Home and
Community Based Waiver Programs to provide funding for disabled low-income individuals
to modify their housing for accessibility and allow them to remain in their home.
Encourage use of the universal design concept that incorporates an element of accessibility
into standard housing designs.
Support accessible housing as part of the program criterion of the Livable Communities Act,
that promotes the dual concepts of affordable and life cycle housing.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
Assisted one group home that serves four developmentally disabled adults; installed energy
efficient tempered windows in the home.
First Time Homebuyers
Consortium Five -Year Goals:
Provide 1,958 families/households with first mortgage, affordability gaps, down payment and
closing costs assistance.
Develop eight units of fully accessible, owner -occupied affordable housing.
A
Strategies:
Use Minnesota Housing Finance Agency homebuyer programs as the primary resource to
assist moderate -income first-time homebuyers.
Affirmatively further fair housing through targeted housing outreach, homebuyer training
and financial assistance to communities of color.
Incorporate opportunities for new affordable housing in CDBG-funded neighborhood
revitalization activities (scattered -site and area redevelopment).
Provide funding to non -profits and Community Housing Development Organizations
CHDO) to assist first-time homebuyers through a combination of homebuyer training, down
payment assistance, below-market interest rates, and purchase/rehabilitation programs.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
Provided two first-time homebuyers with financial assistance through zero -interest, deferred
loans for down payment, closing costs and/or mortgage principle reduction through the City
of Plymouth's CDBG Program.
Assisted 18 first time homebuyers purchase homes in Plymouth with lower interest mortgage
financing through one of MHFA's first mortgage programs. Thirteen of the homeowners
also received down payment or monthly payment assistance through the MHFA's
Homeownership Assistance Fund (HAF) and Home Help programs.
The first time homebuyer program has run continuously since its first loan in 1986. During the
2013 grant year, there were two homebuyers who received direct assistance through the CDBG
funded program. There are currently 81 outstanding loans with a principal balance of
1,387,286.18. There were three first time homebuyer Ioans forgiven or written off due to
defaults during the 2013 grant year. A total of $40,741.19 was expended through June 30, 2013.
No program income was received through June 30, 2013.
Since 1995 the 1 -IRA has successfully combined this assistance with programs sponsored by the
Minnesota Housing Finance Agency (MHFA). The HRA provides information and referrals to
appropriate MHFA mortgage programs and assists in coordinating the various programs. There
were 18 households able to use $2,526,810 of MHFA's lower interest rate first mortgage
financing in Plymouth during the 2013 grant year. Thirteen of these homebuyers also received a
total of $80,900 in down payment or monthly payment assistance in the form of a second
mortgage through MHFA.
Homelessness
Consortium Five -Year Goals:
Assist in the development of 355 units, including 11 shelter beds and transitional units with
supportive services.
Strategies:
Target development of shelter beds and transitional units with support services.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
Accomplishments to the Continuum of Care are detailed in Hennepin County's Annual
Performance Report.
7
Housing for Persons with Special Needs
Consortium Five -Year Goals:
Frail Elderly
Provide 25 new supportive housing units over five years for frail elderly.
Persons with Alcohol/Other Drug Abuse Problems.
Provide 25 new rental units.
Persons with Mental Illness
Provide 50 new supportive rental units.
Persons with Developmental Disabilities
Provide 25 supportive and semi-independent new rental living units.
Persons with Physical Disabilities
Provide 25 new accessible rental units using anticipated Section 811 resources.
Persons with HIV/AIDS
Provide 25 new supportive living units/beds for families and single adults.
Strategies:
Elderly
Facilitate the development of supportive housing for very low-income, frail elderly through a
combination of assisted rental, rehabilitation of existing units and new construction using
federal, state and local resources.
Coordinate capital funding with public and private service providers when appropriate.
Persons wilh Alcohol/Other Drug Abuse Problems
Support county efforts in working toward community expansion of sober, supportive housing
models in conjunction with outpatient treatment, thereby increasing service flexibility while
at the same time containing costs.
Continue participation in the County Department of Human Services Chemical Dependency
Restructuring effort, which is expected to establish a mechanism for providing supportive
housing options as part of an overall treatment plan.
Support efforts of public and private nonprofit organizations to access available federal, state,
and local funding to meet the housing needs of this population.
Persons with Mental Illness
Facilitate the development of a range of affordable housing options using various models
with support services for persons with serious and persistent mental illness, consistent with
the housing development and support strategies identified by the Hennepin County Human
Services and community partners, including but not limited to: single room occupancy
apartments, assisted living arrangements, and controlled access buildings. The housing
should be the least restrictive and in the most integrated setting consistent with the person's
health, safety and service needs.
Encourage use of the Publicly Owned Transitional Housing Program as a development
resource (a MHFA Program).
Support development of "practice apartments" to give people a chance to learn in a "real life"
situation without jeopardizing their rental history and for mental health services to
realistically assess service needs.
Support development of a Corporate Adult Foster model for persons with serious and
persistent mental illness.
Facilitate homeownership initiatives among mental health and housing agencies and
organizations.
Persons with Developmental Disabilities
Facilitate the development and maintenance of semi-independent and supportive living units
through a combination of new construction, rental assistance and rehabilitation, using
available federal, state, and local resources.
Support the efforts of local HRAs and public and private nonprofit organizations to access
available federal, state, and local funding to meet the housing needs of this population.
Persons with Physical Disabilities
Further fair housing by facilitating enforcement of the Americans with Disabilities Act,
which prohibits discrimination against people with disabilities in rental housing.
Encourage use of the universal design concept that incorporates elements of accessibility into
standard housing designs.
Encourage making accessible housing part of the program criterion of the Livable
Communities Act, which promotes the dual concepts of affordable and life cycle housing.
Assure that accessible and adaptable design is incorporated into new rental housing units
supported with HOME and CDBG funding.
Persons with HIV/AIDS
Support the recommendations for permanent and supportive housing strategies, (1) stabilize
funding for adult foster care and supportive housing programs, and (2) promote flexibility in
funding for capital projects.
Support use of resources toward meeting the goals and priorities for this population, as
identified in the Hennepin County Continuum of Care for the Homeless.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
No CDBG funds were expended towards housing for persons with special needs.
Family Services/Facilities
Consortium Five -Year Goals:
Provide emergency assistance services to 26,000 persons.
Provide home ownership training for first-time homebuyers for 1,500 households.
Provide mortgage foreclosure prevention services to 1,000 households.
Provide tenant advocacy and tenant hotline services to 5,000 persons.
Provide homelessness prevention and rapid -exit from shelter services to 1,500 persons in
families.
Strategies:
Support childcare providers to ensure families have access to quality and affordable child
care services.
Support early interventions and counseling services to assist in the resettlement of persons in
refugee families.
Support emergency assistance services and outreach and referral services for domestic
violence assistance and health, housing, and financial issues.
Support housing counseling, including mortgage foreclosure prevention services, tenant
advocacy and tenant hotline services.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
Provide homeownership training services to 38 households.
Provided mortgage foreclosure prevention services to 22 households.
Provided tenant advocacy and tenant hotline services to 246 households.
9
Community Action Partnership of Suburban Hennepin (CAPSH)
The HRA provided ftmding for this non-profit agency in the 2013 program year in the amount of
14,000.00. CAPSH provided several programs for Plymouth residents, including first-time
homebuyer workshops and counseling, mortgage foreclosure prevention counseling, home
rehabilitation and maintenance assistance and reverse mortgage counseling services. In 2013, 60
unduplicated households were assisted.
Home Line
The HRA provided funding for this non-profit agency in the 2013 program year in the amount of
8,700.00. Home Line provided a tenant hotline for Plymouth residents. In 2013, the Tenant
Hotline took 246 unduplicated calls from Plymouth households.
Senior Services/Facilities
Consortium Five -Year Goals:
Provide home maintenance and chore services to 6,700 households.
Provide operating funds to senior centers serving approximately 159,000 seniors annually.
Provide financial assistance to address home health care needs for 175 low-income seniors,
Provide transportation services to 4,500 seniors and disabled persons.
Support senior center services and programs, modifications to incorporate new services, such
as meal programs, and to improve access by the physically disabled.
Strategies:
Support local nonprofit agencies to address senior service needs, particularly those that
promote self-sufficiency.
Support development of new or expanded senior center facilities where needed.
Plymouth 2013 Program Year Accom lishments/Five-Year Accomplishments:
Provided outside home maintenance and chore services for the elderly to 98 households.
Senior Community Services (SCS)
The HRA provided funding for this non-profit agency in the 2013 program year in the amount of
3,000.00. SCS provided outside home maintenance for Plymouth residents through their
household and outside maintenance for the elderly program (H.O.M.E.). In 2013, SCS provided
services to 98 unduplicated Plymouth households.
Youth Services/Facilities
Consortium Five -Year Goals:
Encourage communities to work with the local schools, social service agencies, businesses
and other organizations to implement apprenticeship, educational, and recreational programs.
Provide recreational and summer park programs to 400 youth in low and moderate -income
neighborhoods.
Provide criminal justice intervention services to 600 youth.
Provide outreach and intervention services to 500 homeless and/or runaway youth, and their
families.
Provide support group counseling services to 1,000 at -risk youth.
10
Strategies:
Target funding to recreational programs for youth, criminal justice/youth diversion programs,
school completion/truancy prevention, and summer youth programs. Particular priority
should be given to services directed to large multifamily housing developments and other
areas where there are concentrations of lower-income households.
Support outreach and intervention services, particularly to homeless and runaway youth and
youth at risk.
Support services addressing the needs facing immigrant and refugee youth, as well as the
potential of these youth to assist their families in assimilating to their new communities.
Plymouth 2013 ProjZram Year Accomplishments/Five-Year Accomplishments:
Provided outreach and intervention services to one homeless, runaway, and at -risk youth, and
their family.
Provided support for group counseling services to 199 at -risk youth.
Family Hope Services (Tree House)
Tree House provides year round support and services for at risk youth through structured
programs, support groups, and mentoring relationships. Plymouth provided Tree House with
10,000.00 in 2013 CDBG funding. The agency provided services to 199 youth residing in
Plymouth.
Neighborhood Revitalization
Consortium Five -Year Goals:
Use CDBG funds to acquire five properties for rehabilitation or clearance in scattered -site
and designated redevelopment areas.
Provide affordable housing opportunities for a minimum of 20 percent of all housing units
created in CDBG assisted redevelopment activities.
Improve existing and/or provide new public facilities including senior facilities, as
appropriate, to benefit low and moderate -income neighborhoods and persons.
Assist street, road and water/sewer improvements when benefit is to low and moderate -
income neighborhoods.
Investigate the potential of Brownfield clean up to provide sites for public facilities,
economic and housing development, and/or other purposes.
Strategies:
Address blight through scattered -site and designated area redevelopment activities.
Support the incorporation of public facility and infrastructure improvements, such as a park
or playground, in revitalization of low/moderate-income neighborhoods.
Designate a minimum percentage of housing created through CDBG assisted redevelopment
for housing affordable to low and moderate -income households.
Support the investigation of underutilized and Brownfield sites to identify appropriate
reuse/remediation potential.
Support the use of CDBG funds to leverage other federal, state, local and private program
funds to address neighborhood revitalization needs,
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
No CDBG funds were expended contributing to neighborhood revitalization.
II
Transportation Services
Consortium Five -Year Goals:
Services to seniors, persons with special needs, and low-income families and individuals,
especially in addressing inter- and intra- suburban needs in outer -ring communities.
Provide rides to 4,500 seniors, disabled and low-income persons.
Strategies:
Support the provision of transportation services to seniors, persons with special needs, and
low-income families and individuals.
Encourage the development of appropriate specialized transportation services, particularly in
outer -ring communities.
Encourage alternative approaches to address inter- and intra -suburban transportation needs.
Plymouth 2013 Program Year Accomplishments/Five-Year Accomplishments:
Provided 55 one-way rides to low and moderate -income residents of Plymouth.
People Responding in Social Ministry (PRISM)
PRISM provides year round transportation services for Plymouth residents. Plymouth provided
PRISM with $2,300.00 in 2013 CDBG funding. During the 2013 grant year, the agency served 6
low and moderate -income Plymouth residents by providing 195 one-way rides. Due to a lack of
funding to cover the costs of running the program, the PRISM Express program was closed on
November 1st, 2013. Therefore, only a portion of the committed funds were paid out for services
provided. The contract has been cancelled and the remaining funds will be redistributed to an
eligible CDBG activity.
3. Affirmatively Furthering Fair Housing
Plymouth provides Rehabilitation and First Time Homebuyer loans to person living within the
city limits. The Programs are open to all who apply as per Fair Housing Act requirements.
During the 2013 program year $1,500.00 of the city's funding supported the Metro -wide
Consortium's Fair Housing Initiative (FHIC) as described in the overall Hennepin County
Consortium CDBG CAPER. This FHIC is separate from Hennepin County's Consortium Fair
Housing Initiative.
Plymouth also participates in the Hennepin County Consortium Fair Housing Initiative and
CDBG funds are provided toward this effort. Please refer to the attached section of the CAPER
that describes the Consortium's accomplishments of fair housing impediments. This section
describes the 15 impediments prioritized by the Consortium and describes actions through report
year 2013 to address each.
4. Affordable Housing Performance
The City of Plymouth has used all 2013 program year funds to assist households at or below
80% of median income, as defined by HUD. Table C details the number of households assisted
by type of residency and income category for CDBG assisted housing activities.
12
Table C. Characteristic of Households Served durinLy 2013 CDBG ProLyram Year
5. Continuum of Care
Accomplishments made to the Continuum of Care goals are addressed more extensively in the
Hennepin County Consortium's Annual Performance Report. The strategy reflects housing and
support services needed in each stage of the Continuum of Care including prevention, outreach
assessment, emergency shelters, transitional housing, supportive housing and independent
living. The City has worked extensively with other agencies to respond to homelessness issues.
Programs through Family Hope Services provide services such as crisis intervention, counseling,
and assistance to homeless youth in Plymouth. The City has been represented on the Hennepin
County Task -force on the Homeless to express suburban concerns regarding services for the
homeless. The Taskforce completed its work in late 2006 and issued its report "Heading Home
Hennepin Plan to End Homelessness". The report recommendations are being implemented
through a structure that includes various committees organized around key goals. The City of
Plymouth has attended some committee meetings.
6. Other Actions
The following is a summary of accomplishments r-nade to other actions described in the
Consolidated Plan.
Obstacles to serving under -served needs: The most significant obstacles are the high cost of
acquiring property in the City, the limited availability of land suitable for development, and
the lack of adequate funding experienced in most communities. The City's Comprehensive
Plan incorporates strategies to reduce obstacles to the development of affordable life -cycle
housing.
13
Extremely Moderate
Non -
Activity Low Income
Low Income
Income (80%
Low/Mod Total
30% MFI)
50% MFI)
MFI}
Income Households
80% MFI)
Renter Owner Renter Owner Renter Owner Renter Owner Renter Owner
Single Family 0 0 0 3 0 1 0 0 0 4
Rehabilitation
Small Repair
Grant 0 0 0 2 0 0 0 0 0 2
Group Home 0 0 1 0 0 0 0 0 1 0
Rehabilitation
First Time
0 0 0 0 0 2 0 0 0 2
Homebuyer
Homebuyer
6 0 9 0 15 0 8 0 38 0
Education
Rehabilitation
0 0 0 0 0 0 0 0 0 0
Advisory
Foreclosure
0 4 0 4 0 9 0 5 0 22
Prevention
Tenant
Advocacy & 76 0 79 0 65 0 26 0 246 0
Hotline
Totals 82 4 89 9 80 12 34 5 285 30
5. Continuum of Care
Accomplishments made to the Continuum of Care goals are addressed more extensively in the
Hennepin County Consortium's Annual Performance Report. The strategy reflects housing and
support services needed in each stage of the Continuum of Care including prevention, outreach
assessment, emergency shelters, transitional housing, supportive housing and independent
living. The City has worked extensively with other agencies to respond to homelessness issues.
Programs through Family Hope Services provide services such as crisis intervention, counseling,
and assistance to homeless youth in Plymouth. The City has been represented on the Hennepin
County Task -force on the Homeless to express suburban concerns regarding services for the
homeless. The Taskforce completed its work in late 2006 and issued its report "Heading Home
Hennepin Plan to End Homelessness". The report recommendations are being implemented
through a structure that includes various committees organized around key goals. The City of
Plymouth has attended some committee meetings.
6. Other Actions
The following is a summary of accomplishments r-nade to other actions described in the
Consolidated Plan.
Obstacles to serving under -served needs: The most significant obstacles are the high cost of
acquiring property in the City, the limited availability of land suitable for development, and
the lack of adequate funding experienced in most communities. The City's Comprehensive
Plan incorporates strategies to reduce obstacles to the development of affordable life -cycle
housing.
13
Foster and maintain affordable housing: The City's rental housing licensing program is one
example of how the city maintains affordable housing. This program requires property
owners to do essential corrective repairs in a timely fashion. City staff also meets with non-
profit affordable housing advocates on various issues to promote and maintain affordable
housing. City staff has worked with developers and property owners to make application to
appropriate agencies and lenders for funding to maintain or to produce affordable housing.
Eliminate barriers to affordable housing: The most significant barriers are the high cost of
acquiring property in the City, the limited availability of land suitable for development, the
lack of adequate funding experienced in most communities and the strong market demand for
higher cost housing in the City. The City's Comprehensive Plan includes strategies for the
elimination of obstacles to the development of affordable life -cycle housing. During the
2005 program year the City Planning Department reviewed regulatory policies related to
affordable housing. The Comprehensive Plan update was completed in 2009. Since the
adoption of the 2009 Comprehensive Plan, the City has adopted a new guide plan category
that allows for higher density residential development which allows for greater opportunities
in affordable housing development. The City has approved one development under this new
guiding that has 16 affordable units.
Overcome gaps in institutional structures: The City does not face significant gaps in the
institutional structures in the community, however there are state and/or federal regulations,
taxing policies and processes that hamper affordable housing. The MHFA housing program
maximum purchase price requirement for first time homebuyer applicants (determined by the
federal government) has been a limiting factor in the use of this program. In 2013, the
maximum purchase price was $310,000.00 for existing housing and new construction; this is
below the average sales price of $361,780.00 for an existing single family detached home in
Plymouth.
Reduce Poverty: Through its various programs, the City of Plymouth identifies and assists
people and families that are below the poverty level when possible. We utilize our network
of social service agencies and where applicable assist them through CDBG resources and
programs as well as local programs offered through the City of Plymouth, the Plymouth
HRA and local non -profits.
Improve public housing and resident initiatives: The City has no federal public housing.
However, the Plymouth HRA has two resident advisory boards, one for its Section 8 Housing
Choice Voucher program and a second for its locally financed 99 unit subsidized senior
housing development. The Section 8 Resident Advisory committee advises the HRA on
policy development and review. Plymouth Towne Square, opened for occupancy in 1994,
has a residents' council that advises the HRA on management and resident services.
Evaluate and reduce Lead-based paint hazards: As part of the City's Rental Housing
Licensing program over 10% of the rental units are inspected annually. The inspector has
satisfied HUD's Risk Assessment Course and is a Certified Risk Assessor. All participants
in the Housing Rehabilitation, First Time Homebuyer and Section 8 Programs, who reside or
purchase housing that was built before 1978, receive copies of "Protect Your Family From
Lead In Your Home", EPA September 2001. The Plymouth HRA has revised the procedures
for all federally funded programs to meet the requirements of the new federal lead-based
paint regulations, which took effect on September 15, 2000.
Discussion of the Lead Based Paint (LBP) requirements take place at the initial meeting with
HRA staff and the Certification of Receipt of LBP information is signed by the applicant and
kept in the applicant's file. If deteriorated paint is found in a home built before 1978 and lead
hazard reduction work may be needed because painted surfaces will be disturbed during
rehab, the appropriate level of lead testing and other actions are initiated. The HRA contracts
14
with a certified Risk Assessor to perform the necessary tests to determine if and where there
is a lead hazard risk. The Assessment report identifies the presence and location of LBP and
the areas that need to be addressed. If LBP is found, the homeowner is notified. As a
condition of receiving funding, LBP hazards must be addressed and lead safe work practices
are required for all rehab work that disturbs painted surfaces. Appropriate lead hazard
reduction measures are also incorporated into the Scope of Improvements. Clearance of the
unit is required and a copy of the clearance report is given to the homeowner and kept in the
homeowner's file.
The above lead-based paint control actions enable the City of Plymouth to abate lead issues
and be in full compliance with the Federal Lead -Based Paint rules. The City refers suspected
cases of lead-based paint poisoning to the Hennepin County Health Department.
Ensure compliance with program and comprehensive planning requirements: Contractual
agreements are established with all grantees receiving CDBG funding. City staff also makes
annual monitoring visits to the offices of all subgrantees.
7. Leveraged Resources/ Other Local and Federal Resources
The Plymouth HRA committed an additional $50,000 to assist in keeping the rents low at
Vicksburg Crossing, one of the HRA owned senior buildings. These funds provide benefits to
low and moderate -income residents living in the building. In addition, the Plymouth HRA
committed $250,000.00 to Plymouth Town Square, one of the HRA owned senior buildings, to
help keep rents low to low and moderate -income residents living in the building.
S. Grantee Self -Evaluation
The City receives a small CDBG allocation and realizes that the housing and community
development needs of the City are growing. The City has been persistent in using CDBG and
local funds to the maximum capacity. The following is a self-evaluation of the City's progress
made towards the Consolidated Plan goals.
Rental Households: The City has used its Section S tenant -based voucher program to
maintain affordable housing for low-income households in the existing market. The City has
worked hard to retain and recruit landlord participation in this program. The City's success
is shown through the large number of families who use the portability provision of their
voucher to locate housing in Plymouth. The City has also made significant efforts to
incorporate affordable units in new rental communities proposed in the City, even though
extremely low vacancy rates and high market rents have existed. The City continues to
pursue local and state resources to make this an easier and beneficial alternative for property
managers and owners.
The City of Plymouth's Police Department operates the Crime Free Multi -Housing (CFMH)
program, which establishes a partnership between the Police Department and rental property
managers. CFMH helps tenants, owners and managers keep drugs and illegal activity out of
rental properties.
Owner Households: The City continues to operate its rehabilitation and first time
homebuyer loan programs. These programs have received solid interest from local
homeowners and potential buyers.
Homeless Households: The City continues to work through the Hennepin County
Continuum of Care to address homelessness issues. The City also funds programs through
15
Family Hope Services that provide services and counseling to homeless and runaway youth
and youth at -risk for homelessness.
In addition, the City of Plymouth continues to support Interfaith Outreach and Community
Partners (IOCP) primary fundraising campaign to raise money for affordable housing
assistance. The SIeep-Out Campaign raised $1.8 million for affordable housing assistance in
2013. These funds allow 1,656 families to be helped. The City of Plymouth contributed to
this campaign through local fund-raising efforts and direct contributions.
Housing for Special Needs: The City has concentrated its resources on assisting housing for
developmentally disabled adults. The City has provided funding to Hammer Residences over
a number of years to perform accessibility modifications to group homes enabling the
residents of these homes to make full use of all living spaces.
Public Services: The City has tried to stretch the amount of CDBG funds allocated for
public services as far as possible while addressing all identified public service needs. The
City has continued to monitor its subrecipients to ensure the best possible use of funds.
Recognizing that the CDBG funding is limited, the City has made additional resources
available to public service providers. Table D identifies the other resources made available
during this reporting period.
Table D. Other Citv Resources Provided Durinu 2013 ProLFram Year
Agency Funding
PRISM 12,600.00
Interfaith Outreach 18,552.00
Interfaith Outreach — CONECT 9,090.00
Community Mediation Services, Inc. 3,690.00
Home Free Shelter/Missions Inc. 29,700.00
Teens Alone 1,800.00
Communities in Collaboration 5,298.00
Senior Community Services — Senior Outreach 13,050.00
Senior Community Services - HOME 5,670.00
Reach 10,000.00
Total 109,450.00
II. CITIZEN PARTICIPATION
The public hearing and comment period for this report is included in public hearing held by
Hennepin County Consortium. This report is being submitted to Hennepin County prior to the
comment period; therefore, no comments have been received to date.
The following reports are available to the public and have been previously submitted to IIUD at
this time:
2010-2014 Hennepin County Consortium Consolidated Plan
2013 City of Plymouth Action Plan
Regional Analysis of Impediments to Fair Housing, October 2009
16
III. CDBG PROGRAM
The main tool used by the City of Plymouth for carrying out the objectives identified in the
Consolidated Plan is CDBG fiends. The Plymouth Housing and Redevelopment Authority
HRA) is responsible for administering the Federal Government's Community Block Grant
Program for the City of Plymouth. In 2013, the City of Plymouth was awarded a total of
237,844.00.
1. Assessment of Approved Activities to Priorities and Objectives of Approved Plans
A detailed assessment of program year activities to Consolidated Plan priorities and objectives is
found in Part I, Section 2 of this report.
2. Analysis of Distribution of CDBG Funds Among Consolidated Plan Needs
Table E identifies the activities undertaken during the program year and the priority ranking as
identified in the Consolidated Plan.
Tahle F,_ Aonroved CDRG Activities and Ranking by Priority Level
Activity Consolidated Plan
Housing Rehabilitation High
First Time Homebuyer Assistance High
Affordable Housing Assistance High
Family Services — IIome Line High
Family Services — CAPSII High
Senior Services — SCS High
Transportation Services - PRISM High
Youth Services - Family Hope Services High
Youth Services YMCA High
All of the approved activities are in the highest priority group. CDBG funding is limited,
therefore only a few activities can be undertaken in any given year. The HRA has also found
that limiting the number of activities assisted is a more efficient and cost effective use of CDBG
funding for delivery of services to residents.
3. Reasons for Possible Changes in Program Objectives
There are no plans for changing any of the current program objectives.
4. Assessment of Consolidated Plan Implementation
The City of Plymouth has pursued all resources that it indicated it would pursue. Further
details on the use of federal, state, and local resources can be found in the available resources
sections of this report.
The City of Plymouth has provided all requested certifications of consistency for HUD
programs in a fair and impartial manner.
The City of Plymouth did not hinder implementation of the Consolidated Plan by action or
willful inaction.
5. Meeting National Objective Goals
The City of Plymouth has used all of its CDBG funds exclusively for one or more of the national
objectives. The City is also in compliance with overall benefit certification. The percentage of
funds, which apply to the overall benefit requirement, is located in the Financial Summary.
17
6. Displacement and Relocation of Real Property
During the 2013 grant year, no CDBG funds were used for the displacement and relocation of
real property.
7. Economic Development Activities
During the 2013 grant year, no CDBG funds were used for job producing economic development
activities.
18
S. Rehabilitation Activities
REHABILITATION ACTIVITIES
Summary of Consolidated Plan Projects
Community Development Block Grant Program
City of Plymouth, Minnesota
2013 Program Year (71112013-613012014)
Note: All work expenditures were for single -unit housing activities only.
1. Staffing: Number of Staff Years 1
2. Current Program Year Expenditures:
Activity delivery costs from CDBG funds $40,526.72
a. Staff costs: Amount expended in 1 above 0
Other direct costs (not included in 3) 0
3. Current Program Year Expenditures:
For all projects (a+b+c below) $145,121.31
a. CDBG funds expended $145,121.31
b. Other public (Federal, state, local) funds expended 0
c. Private funds 0
4. Number of Units Committed for Rehabilitation 4
5. Obligations: Amount obligated but not expended for units
committed to 4 above (a+b+c below) $31,620.00
a. CDBG funds obligated $31,620.00
b. Other public (Federal, state, local) funds obligated 0
c. Private funds obligated 0
6. Number of Units Completed 6
7. Cumulative Total (expended + obligated) $176,741.31
8. Program Income Received $82,866.74
9. Financial Summary (PR26)
The Financial Summary report from IDIS for the 2013 program year follows.
IV. IDIS REPORTS
The following reports from HUD's Integrated Disbursement and Information System (IDIS) are
attached:
1. Summary of Accomplishments PR23
2. Summary of Consolidated Plan PR06
3. Summary of CDBG Activities PR03
19
ANNUAL HOUSING COMPLETION GOALS
Grantee Name: City of Plymouth Expected Annual
Number of Units
To Be Completed
Actual Annual
Number of Units
Completed
Resources used during the period
Program Year; 2013 CDBG HOME ESG HOPWA
ANNUAL AFFORDABLE HOUSING
GOALS (SEC. 215)
Homeless households NIA*
Non -homeless households 8 8 X
Special needs households 1 l X
ANNUAL AFFORDABLE RENTAL
HOUSING GOALS (SEC. 21,51
Acquisition of existing units NIA
Production of new units NIA
Rehabilitation of existing units I I X
Rental Assistance N/A
Total Sec. 215 Affordable Rental l 1 X
ANNUAL AFFORDABLE OWNER
HOUSING GOALS (SEC. 215)
Acquisition of existing units NIA
Production of new units NIA
Rehabilitation of existing units 6 6 X
Homebuyer Assistance 2 2 X
Total Sec. 215 Affordable Owner 8 8 X
ANNUAL AFFORDABLE
HOUSING GOALS (SEC. 2I5
Acquisition of existing units NIA
Production of new units NIA
Rehabilitation of existing units 7 7 X
Homebuyer Assistance 2 2 X
Total See. 215 Affordable Housing 9 9 X
ANNUAL HOUSING GOALS
Annual Rental Housing Goal I I X
Annual Owner Housing Goal 8 8 X
Total Annual Housing Goal 9 9 X
Included in the Hennepin County Consortium 2013 Action Plan Goals
AM
Agenda Number
S.
PLYMOUTH HOUSING AND
REDEVELOPMENT AUTHORITY
STAFF REPORT
TO: Plymouth Housing and Redevelopment Authority
FROM: Spencer Agnew, HRA Specialist, through Jim Barnes, Housing Programs
Manager and Steve Juetten, Executive Director
MEETING DATE: July
24t", 2014
SUBJECT: First Time Homebuyer and Rehabilitation Program Guidelines Updates
BACKGROUND:
The Plymouth Housing and Redevelopment Authority (HRA) operates the Housing
Rehabilitation and First Time Homebuyer programs that are funded through Community
Development Block Grant (CDBG) funds. From time to time, staff reviews the program
guidelines to ensure consistency and compliance with applicable laws and regulations. The
guidelines were last revised in January 2011.
Staff has completed a review of the guidelines and recommends some updates that are discussed
below. Additionally, staff has recently met with U.S. Department of Housing and Urban
Development (HUD) staff for a periodic program monitoring visit. HUD representatives have
suggested some revisions to the Program Guidelines, and those suggestions are also
incorporated. There are both administrative and programmatic changes being proposed. The
Program Guidelines documents are attached for your review.
DISCUSSION:
Proposed Chan1jes to the First Time Homebuyer Loan Program:
1) Lead -Based Paint Requirements
Provisions have been added to clarify that if lead-based paint hazards are present in the
home, they must be addressed and clearance testing must be passed prior to loan closing (see
page 7).
2) Total Amount of Assistance
The total amount of assistance available to homeowners through all HRA programs was
previously limited to $30,000. This includes the combined amounts received through the
Rehabilitation Loan program, First Time Homebuyer Program, and Emergency Repair Grant
program. This limit has been raised to $40,000 for consistency with the Housing
Rehabilitation Loan program guidelines (page 12).
3) Formatting & Language
Miscellaneous formatting corrections and changes to outdated and/or redundant language
have been made throughout the document. None of these edits result in any change to the
functioning or administration of the program.
Pro osed Chan es to the Rehabilitation Loan Program Guidelines:
1) Income Inclusions and Exclusions
The section on household income inclusions and exclusions (page S) will be updated for
consistency with the Section S definition language. This change was recommended by HUD
after the most recent program monitoring visit. The updated income definition language is
taken directly from the Code of Federal Regulations to ensure consistency.
2) Equity Limit
Homeowners whose home equity exceeds 20% of their property's assessed value are currently
excluded from participating in the program unless they are able to provide documentation of
two denials for private financing. This requirement can harm applicant's credit scores, as each
application for credit typically results in a reduction in credit score. In some situations a
waiver of this requirement would be warranted, such as when the applicant's income clearly
would not support secondary loan financing or when emergency repairs are needed. The
proposed changes add a provision (page 13) wherein the HRA Executive Director may
approve a waiver of the 20% equity limit based on a consideration of the applicant's debt -to -
income ratio, the urgency of repairs needed, the availability of program funding, and denial of
private financing. Other eligibility requirements (including income limits) would remain in
effect.
3) Garage Door Openers
The existing guidelines exclude any program assistance for repair or replacement of garage
door openers unless the homeowner has a documented physical disability (page 17).
However, repair or replacement of garage door openers may be warranted in some other
situations, such as a home with children where the garage opener lacks updated safety
mechanisms. The proposed changes would allow repair or replacement of garage door
openers to be included in a rehabilitation loan if necessary for the safety and security of the
home's residents.
4) Bidding Process
Additional guidelines for obtaining contractor bids for work have been added (page 36). The
provisions specify the process homeowners must use to obtain directly comparable bids to
ensure the project conforms to Federal cost reasonableness standards. This change was
recommended by HUD after the most recent program monitoring visit.
5) Sweat Equity
A provision has been added which describes how and when homeowners may provide "sweat
equity" on their project (page 36). Previously this has been allowed on a case-by-case basis
but not specified in the Guidelines. The proposed addition includes a requirement that all
sweat equity or homeowner labor must be first approved by HRA staff. This change was
recommended by HUD after the most recent program monitoring visit.
6) Dispute Resolution
A section has been added (page 37) outlining a process for resolution of any disputes that may
arise between the HRA and involved parties (homeowner and contractors). Any such disputes
would first be addressed administratively. if an agreement cannot be reached administratively
the disputing party may request a hearing before the HRA at a regularly scheduled meeting.
This change was recommended by HUD after the most recent program monitoring visit.
7) Formatting & Language
Miscellaneous formatting corrections and changes to outdated and/or redundant language
have been made throughout the document. None of these edits result in any change to the
functioning or administration of the program.
RECOMMENDATION:
Staff recommends that the Housing and Redevelopment Board of Commissioners approve the
proposed changes to the First Time Homebuyer and Rehabilitation program guidelines.
ATTACHMENTS:
1. First Time Homebuyer Program Guidelines
2. Housing Rehabilitation Program Guidelines
FIRST TIME HOMEBUYER PROGRAM
GUIDELINES
r
CITY OF PLYMOUTH
HOUSING AND REDEVELOPMENT AUTHORITY
3400 Plymouth Boulevard, Plymouth, MN 55447
Revised ,)uIy 2014 -------- 1:1 Deleted: Jxm,xry24)11
EQUAL HOUSING
OPPORTUNITy
TABLE OF CONTENTS
PART 1: GENERAL PROGRAM DESCRIPTION
Program Overview
Program Goals
Program Administration
Purpose of the Program Guidelines
PART II: PROGRAM POLICIES & PROCEDURES
Financial Assistance
Responsibilities of the First Time Homebuyer
Responsibilities of the Lender
Responsibilities of the HRA
Application to the HRA
Summary orthe Application Process
Eligibility Requirements
Denial of Eligibility
Eligible Dwellings
Applicant Outreach
Applicant Pool
Selection from the Applicant Pool
Lender Outreach
PART III: PROGRAM RULES
Lenders
Declarations of Restrictive Covenants
Lead Based Paint Hazard Requirements
Repayment of Assistance
Loan Forgiveness
Subordination of Mortgages
Targeted Funding
Modification and Termination of Program
APPENDIX A
Definitions
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ID
IN
PART Y: GENERAL PROGRAM DESCRIPTION
Program Overview
The Plymouth Housing and Redevelopment Authority (HRA) operate an assistance program for
homeownership funded by the City of Plymouth's Community Development Block Grant
CDBG) Program. The HRA operates this program on behalf of and as the agent of the City of
Plymouth. The First Time Homebuyer Program provides financial assistance for low- and
moderate -income Households to become homeowners,
Administration of the First Time Homebuyer Program and the functions and responsibilities of
the HRA staff shall be in compliance with the U.S. Department of Housing and Urban
Development (HUD) CDBG regulations as well as all Federal, State and local nondiscrimination
laws and with the rules and regulations governing Fair Housing and Lqual Opportunity in
housing and employment.
The HRA shall not deny any Family or individual the equal opportunity to apply For or receive
assistance under the First Time Homebuyer Program on the hasis of race, color, gender, religion,
creed, national origin, age, familial or marital status, handicap or disability, sexual or affeetional
orientation or reliance on public assistance.
The Plymouth HRA's office is accessible to persons with disabilities. Accessibility for the
hearing impaired is provided by the Minnesota Relay Service and the City of Plymouth TDD,
Program Goals
The First Time Homebuyer Program has the following two goals:
a. Assist low- and moderate -income families to
Plymouth by providing assistance with down
principaLreduction.
b. Promote responsible home ownership.
Program Administration
Formatted: Top: 1", Bottom: 1"
purchase homes within the City of
payment, closing costs and mortgage
Deleted, le
The Program will be administered through the Plymouth HRA, Interested applicants should
contact the Plymouth HRA staff by calling (763) 509-5410. emailins
lxnrsin20ji.-mouthrnn.gov, or appearing in person at 3400 Plymouth Boulevard, Plymouth, MN
55447.
Purpose of the Program Guidelines
The purpose of these Guidelines is to establish policies for carrying out the First Time
Homebuyer Program in a manner consistent with HUD requirements and local goals and
objectives contained in the Consolidated and Annual Action Plans, The HRA is responsible for
complying with all changes in HUD regulations pertaining to the CDBG program. If such
changes conflict with these Guidelines, HUD regulations will have precedence. Applicable
regulations include:
24 CFR Part 5: General Program Requirements
24 CPR Part 8: Nondiscrimination
24 CFR Part 570: Community Development Block Grant
24 CFR Part 35: Lead Based Paint Regulations
PART 11: PROGRAM POLICIES & PROCEDURES
Financial Assistance
The 1 -IRA provides financial assistance to homebuyers to more readily secure a first mortgage.
The Program assistance may be used to:
Pay up to 50 percent ol'the amount the homebuyer(s) is required to provide toward the down
payment under the particular mortgage program they are utilizing, not to exceed $5,000.
Pay up to 100 percent of the homebuyers eligible closing costs not to exceed $5,000.00.
Borrowers are not permitted to use Program funds for interest rate buy downs unless
documentation is provided from the lender that shows the buy down is necessary to secure
their primary mortgage. Lligible closing costs do not include optional insurances (i..e.
optional owner's insurance policy ctc.).
Reduce the mortgage principal up to l0% of the purchase price, not to exceed $20,000. Deleted: to ammimum of
The applicant (s) Housing (DTI) Debt to Income Ratio must be at least 25%, but can not
exceed 37% of their gross monthly qualifying income.
The financial assistance will be provided at a minimum amount of $3,000.00 and a maximum
amount ol'$25,000.00. In certain situations, the HRA Executive Director may allow assistance
in excess of the maximum at their discretion. The HRA will make a determination on the
amount of assistance an applicant qualities for. The HAA will make this determination after
reviewing the applicant's verified income and assets, estimated Closing Costs, purchase
agreement, and lender's recommendations for financial assistance in compliance with uses
described above. Lenders must provide a pre -approval letter indicating the maximum amount of
financing the borrower would qualify for from the first mortgage lender.
The HRA will verify an applicant's income and assets through third party written verifications as
provided by either the lender or as sought by the 1 -IRA. The HRA may re -verify income and
asset information provided by the lender. The HRA will calculate the applicant's Gross Annual
Income using pay stubs and recent tax returns or third party verification as defined in Appendix
A to ensure the Applicant(s) qualifies as a low- or moderate -income Household as required by
CDBG regulations and to determine the maximum amount of assistance.
Financial assistance will be provided at the time of Closing on the property with the following
conditions:
Selected applicants must meet the requirements of this Program and be eligible Cor the
financial assistance through out the entire application process.
The housing unit to be purchased and the purchase price must be accepted by the HRA as
meeting the intent and requirements of the program.
The financial assistance provided by the HRA is in the form of a no interest deferred
payment loan that is due and payable 30 years from the initial purchase date or when the
house is sold, transferred or no longer the primary place of residence, whichever occurs first.
The homebuyers must enter into a second mortgage and execute a Promissory Note with the
HRA providing for repayment of the indebtedness 30 years from the initial purchase date or
when the house is sold, transferred or no longer the primary place of residence, whichever
occurs first.
Responsibilities of the First Time Homebuyer
The responsibilities of the prospective homebuyers are to:
Complete, sign and return the Application, Authorization for the Release of Information
form, and other certification and verification forms within the time frame specified.
Register and attend the Home Stretch - Home Buyers Workshops offered by Community
Action Partnership of Suburban Hennepin (CAPSH). Classes must have been completed
within 12 months prior to closing. Classes offered through other agencies or realtors may be
substituted with prior approval of the HRA. Applicants must also attend an individual
counseling session with a Housing Counselor at CAPSH. If CAPSH recommends that the
applicant is not ready to purchase a home, the HRA may not provide assistance until the
applicant has satisfied staff concerns. The applicant will be provided with a certificate of
attendance. A copy of this certificate should be forwarded to the lender and the HRA,
Select a lender approved by the HRA for participation in the Program.
Complete the pre -approval process.
Select a real estate agent, if one is desired.
Select a dwelling in Plymouth for purchase that is owner -occupied or vacant and is an
eligible dwelling under the Program.
Provide information throughout the process as required by the lender or I IRA.
Execute a purchase agreement.
Execute the lender's mortgage and related documents.
Execute the HRA's Mortgage and Promissory Note.
Have the seller execute the HRA's disclosure to seller form.
Close on the property within the time frame specified.
Execute other required forms within the time frame specified or required.
Take occupancy of the dwelling within 30 days after Closing, homestead the property, and
continue to occupy the dwelling as your Principal Place of Residence.
Make principal, interest, property tax and insurance payments as required.
Reimburse the HRA in accordance with the HRA's Mortgage and Promissory Note should
the First Time Homebuyer trigger repayment through sale, moving, transfer of ownership, or
foreclosure within 30 years or default on any other terms of these documents.
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Responsibilities of the Lender i —
The lender must:
Verify the prospective hornebuyer's income and assets to determine that the Family meets the
requirements of the Program and submit a copy of the verification to the HRA, These copies
must be submitted to the City at least five working days prior to the applicant signing a
purchase agreement.
Compute the Mortgage, Down Payment, Mortgage payments and Closing Costs of
Acceptable Loans approved by the Program to determine the most cost-effective and
appropriate form of financing for the First Time Homebuyer to use.
Provide a title search and review the documents.
Provide the I-IRA with a pre-approval letter stating the maximum mortgage amount the
applicant is approved for.
Provide the HRA other verification materials as requested by the HRA,
Process a mortgage consistent with the Program.
Meet all deadlines in a timely fashion, especially those that relate to the Closing. All
documents must be completed at least 10 days prior to the Closing and be delivered to the
I-IRA at least seven days before the Closing.
Appraise property to determine the loan-to-value ratio.
Responsibilities of the HRA,
The responsibilities of the HRA for the Program are to:
Establish Program requirements and administer the Program.
Send applicants the application form, the authorization for release of information form and
other certification and verification forms.
Review the Application and other material for eligibility.
Establish the pool of eligible participants and make selections for participation in accordance
with the selection provisions.
Notify applicants when ineligible.
Direct prospective buyers to register for the CAPSH homebuyer workshops and provide
information and forms related to the Program.
Provide liaison services involving the prospective buyer, lender and any real estate agent that
might be involved in the transaction.
Review appraisal, purchase agreement, eligibility and moilgage for consistency with the
Program requirements.
Prepare and execute the 1-IRA mortgage and promissory note.
Provide financial assistance according to Program guidelines to the applicant at the time of
Closing.
Service the HRA mortgage.
Modify or terminate the Program as maybe appropriate or required.
Application to the HRA
It is the responsibility of each applicant to assure that the HRA receives his or her application.
Only applications with original signatures will be accepted.,At_the time of application, applicants
must provide the 1 -IRA with the following information and meet the eligibility requirements;
Names oral] Family and household members
Address and telephone number
Social Security numbers of all adults
Date of birth of all Family members
Number of adults in Family
Number of children in Family
Total Gross Annual income from all sources (i.e. employment, social security income, child
support, etc.) with pay stubs and three years of tax returns as documentation
Bank statements, financial statements and all other document(s) that verify Gross Assets.
Employer's name (Company Name)
Address and phone number of each employer
Length of time (in years and months) at present address
hast three previous addresses
Indication il'applieant ever owned a home
Summary of the Application Process
The following is a summary of the application process.
The applicant registers ror and attends the homebuyer workshop series through Community
Action Partnership of Suburban Hennepin (CAPSI),
The applicant arranges for and attends a private housing counseling session with Community
Action Partnership of Suburban Hennepin (CAPSH),
The applicant selects a participating lender and applies for mortgage pre -approval.
The applicant completes and submits a First Time Homebuyer application and authorisation
for release of information form to the HRA with a mortgage prc-approval letter from the
lender.
The applicant searches for a home in Plymouth.
t The applicant enters into a Purchase Agreement and contacts the lender.
t The lender authorizes appraisal of home,
9 The lender confines applicant's mortgage eligibility and approves purchase.
The lender contacts the HRA with supporting documentation.
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The HRA arranges for a lead-based paint hazard inspection of the property, if the dwelling
was built prior to 1978.
The HRA reviews appraisal, Purchase Agreement, Good Faith Estimate, and eligibility
verification for consistency with program goals and requirements.
The HRA issues an approval letter.
The HRA prepares the closing documents required by the City's Program Guidelines.
The HRA attends the Closing. At the Closing, the HRA has the borrower sign the required
closing documents and financial assistance is provided in the form of a second mortgage.
Eligibility Requirements
To be eligible to participate in the Program, the applicant must meet the following requirements
at the time of application and throughout the process up until Closing.
Must qualify as a Family, as defined in Appendix A.
Must be a U.S. citizen or have legal immigration status.
Must be a First Time Homebuyer, as defined in Appendix A.
Must not have a Gross Annual Income that exceeds the maximum income limits which are
revised annually to reflect the current year's CDBG maximum income limits.
Must not have Gross Assets exceeding $25,000.00, which excludes one automobile.
Borrowers are required to invest at least $1,000.00 of their own monies towards the purchase
price of the home. Funds from public program(s) cannot be used as part of the Homebuyers
i-tinimu€n portion of the down payment.
Must meet the requirements of a Lender and qualify for a first mortgage.
Must fulfill the Program obligations in a timely manner and must remain eligible to
participate based on the program requirements and those of the lender through the time of
Closing.
Must not have a previous loan through the Plymouth HRA that ended in foreclosure or any
other loan that ended in foreclosure within the previous five years.
Must meet the requirements as specified elsewhere in these Guidelines,
Denial of Eligibility
The HRA will review and verify all applications for eligibility. Those applicants not meeting the
eligibility requirements will be sent a written notice explaining the reason(s) for denial of
Program participation.
Appeals regarding interpretation of eligibility requirements may be made in writing to the
Housing Program Manager, HRA's Executive Director and then to the HRA Board of
Commissioners. Appeals that clearly do not meet eligibility requirements will not be considered.
Eligible Dwellings
To be eligible the property must meet the following requirements:
Be located within the City of Plymouth.
Be a single-family dwelling, a townhouse unit, or a condominium unit,
Be a conforming use as defined by the Plymouth Zoning Ordinance.
Be free of lead-based paint hazards at the time of Closing.
The HRA may require an inspection of the dwelling for compliance with the Plymouth Housing
Code (Uniform Housing Code). The HRA will require an inspection of all dwellings built prior
to 1978 for compliance with HUD's lead-based paint hazard regulations. It lead-based paint
hazards are Lound, lead clearance will -be retluired prion to Closine.
Applicant Outreach
The HRA will publicize and disseminate information to make known the availability of
homeownership assistance on a regular basis through a variety of media and by other suitable
means. The availability of assistance will be communicated to other service providers and
Realtors in the community and advise them of the guidelines so that they can make proper
referrals for the Program. Realtors will be encouraged to provide additional services to eligible
clients to ensure their successful utilization of the program.
Applicant Pool
The applicant pool for the Program shall consist of all those who have completed and returned to
the HRA a complete application, written verification from their lender of pre -approval, and who
are determined by the HRA to be eligible.
Selection from the Applicant Pool
As funds are available, applicants will be selected from the applicant pool on a first come, first
serve basis, Eligible applicants will be selected for funding when they or their lender notify the
HRA of the applicant's approved purchase agreement and mortgage. If funding is limited and
more than one applicant is at the purchasing stage, the HRA will provide funding to the applicant
who qualifies for the most preference points.
Preference points have been established to meet the goals of the HRA. Each preference category
is worth one (1) point. The maximum points any one Family could receive are five (5) points.
Families with the highest point totals will he selected first. In the event of a tie, a drawing or
lottery will be held to rank the applicants within each of the preference categories.
Applicant with dependents under age 18
Live in Plymouth at least 90 days prior to Closing
Head or co-head has primary, long-term employment in Plymouth
Currently holding a Plymouth Section 8 Voucher
Never owned a home (versus having owned a home over three years ago)
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Selection from the applicant pool is tentative and conditional. Families selected for participation
must fulfill the Program obligations in a timely manner and must remain eligible to participate
based on the program requirements and those of the lender through the time of Closing.
Leder Outreach
The HRA will solicit lender participation as needed, The HRA will review requests from lenders
to be approved as a participating lender of the First Time Homebuyer Program. The lenders
must be FHA and MHFA approved and exhibit a willingness to provide mortgage products to
low- and moderate -income Households.
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T" Fs JtEMAINDER OF TI -IIS PAGI? IIN T EN T'IONALY LEFT BLANK
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RT III: PROGRAM RULESDeleted:----------Page Break----------
Lenders ¶
All lenders most be a Minnesota Mortgage Program Lender as approved by the Minnesota
Housing Finance Agency (MHFA). Applicants should check the MHFA website at
wrvw.minnesotahousing,com to determine whether a lender is approved to participate in the -- - Deleted:
Plymouth FTHB program Lenders and their representatives must also be willing to participate in
the Plymouth First Time Homebuyer Program. Applicants should ask the lender if they have
received the City of Plymouth's Program Guidelines and if they are familiar with the process.
It is the applicant's responsibility to make arrangements for obtaining pre -qualifications or pre-
indication of approval and for making an application for a mortgage, y1_ letter from the lender ----- Formatted: Foot: Not Bold
indicating the amount of the mortgage for which the applicant pre -qualifies must be provided
with each application. The same lender must be used when the applicant goes for pre -approval of
a mortgage prior to the purchase of a home, so it is recommended that the applicant selects the
lender carefully.
Declarations of Restrictive Covenants
From time to time, declarations of restrictive covenants may be placed on properties as a
condition of First Time Homebuyer assistance. Declarations of restrictive covenants are placed
on select properties to ensure that these properties are owned by low- and moderate -income
households in the future, even after subsequent sales. Declarations of restrictive covenants may
also restrict the resale price of select housing units in an attempt to keep the units affordable.
Lead Based Paint Hazard Requirements
All applicants purchasing a dwelling built prior to 1978 will be provided with a lead based------ Formatted:)usiffied
paint brochure and must sign a certification of receipt of the brochure.
As a condition of funding, the applicant will be required to purchase a home free of Lead
Based Paint (LBP) hazards If the dwelling was built prior to 1978 a visual assessment for
deteriorated paint will be done by City staff. Applicants will be informed that the inspection
is only to determine the presence of deteriorated paint and they may also want to obtain a
complete home inspection from a certified Home Inspector.
If deteriorated paint is found the HRA will contract with a certified Risk Assessor to
perform the necessary tests to determine if there is a lead hazard risk. A copy of a clean Lead
Risk Assessment report must be submitted to the HRA before the home is approved for
assistance. If the applicant refuses, the property will not be eligible for assistance. The
applicant will need to find another house that is or will be made LBP risk free in order to
qualify for assistance.
If LBP risks are found, stabilization of the defective paint, cleanup and clearance will be
required before funds are approved for assistance. The presence of LBP risks should be
treated like any other defect found during an inspection and may be negotiated between
buyer and seller. Clearance will be required before the home can be safely occupied and will
assure that there are no remaining lead hazards.
Repayment of Assistance
Repayment of the deferred payment loan shall occur upon the earliest of:
Sale, transfer or thirty years from the initial purchase date, when the HRA Mortgage becomes
due and payable.
The property ceases for any reason to be the homebuyer's principal place of residence.
Default on the mortgage with the HRA or any superior mortgage on the property.
At the time of repayment, the HRA will prepare and execute a Satisfaction of Mortgage. The
Satisfaction of Mortgage will be sent to the Title Company, who will be responsible for
recording the Satisfaction with the County. The HRA will send the homeowner a copy of the
Satisfaction as well as the original Promissory Note indicating it has been satisfied,
Loa iYlodifcation_________
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n
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Generally, the HRA will require that all First Time Homebuyer loans be repaid. However, the
I -IRA may modif% loan agreements and/or waive repayment if the homeowner can locumen4 a ._.-- ! Deleted: proven
hardshipti _lardshi p may include the homeowner not having the resources to pay the HRA's loan Deleted: ed f
back (requires a denial letter from one or more financial institutions) or the property value Deleted: rnnnc;al
declining since the HRA's loan was taken out. In addition, the HRA may consider forgiving a Deleted:
portion or the entire loan amount if the homeowner is facing foreclosure and if forgiving the FDeleted: rhishardship
loan, or a portion thereof, will assist the homeowner in restructuring their mortgage so they can
remain in the home,
The HRA will not consider forgiveness of the loan for the reasons stated above if the
homeowner's reason for selling is to purchase a larger home unless there is severe overcrowding
in the home. Severe overcrowding means that there are more than two persons per sleeping ----,Deleted: Deleted:
room in the home. A living room is considered a sleeping room for this purpose.
Hardship requests shall be made in writing to the Housing Program Manager and will be
reviewed on a case-by-case basis. If the ]-lousing Program Manager denies a hardship request,
appeals regarding interpretation of the hardship provisions may be made in writing to the HRA's
Executive Director and then to the HRA Board of Commissioners, which has the final say in the
request. Appeals that clearly do not meet the hardship requirements will not be considered.
Subordination of Mortgages
The HRA may subordinate the First Time Homebuyer Program loan. The HRA will review and
respond to all requests for subordinations within two weeks of the application date. The
following information must be submitted before a request for subordination will be considered.
Effective date of current first mortgage, current first mortgage balance, interest rate and term
Proposed loan amount, interest rate and term.
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Reasons for new financing and use of proceeds by amount. If financing will be used for
home improvements, specific information on the proposed home improvements must be
provided.
Good Faith Estimate.
Copy of appraisal.
Most recent assessor's market value of property.
Types and amounts of any other indebtedness on property, including balance, rate and term,
Date the First Time Homebuyer loan was filed with County and the document number.
Household's verified income and size.
Full name, address, telephone number, contact person and e-mail address of the new lender.
Date subordination agreement is needed (must be at least two weeks from the date of the
request).
Information provided will be analyzed to determine the appropriateness of subordination of the
HRA's mortgage, The following criteria must be met before subordination of the loan will be
considered.
All current and proposed property liens, including the First Time Homebuyer loan, equal
less than 95 percent of the appraised value of the property.
The subordination is necessary to refinance the principle balance of existing prior liens
on the property and will facilitate a rate reduction, term reduction and/or principal
reduction plus any costs to finance additional eligible home improvements. No cash may
be taken out as a result of refinancing. However, the fees incurred to refinance will be an
allowable expense.
All home improvements must be eligible under the Home Rehabilitation guidelines and
the homeowner is required to submit documentation of cost for all improvements as a
condition of the subordination.
The uses for the new financing must be justifiable as an appropriate use of public funds to
warrant subordination of the public funding.
The household income of the homeowner must not be greater than 125 percent of current
CDBG maximum income guidelines.
The borrower(s) must correct any errors and omissions relating to their loan as a
condition of the HRA granting a subordination request. This requirement would include
but not be limited to documents that are not signed (but the intent was to have them
signed), documents with clerical errors and/or documents that are missing or destroyed.
If the above criteria are not met, the HRA will not subordinate its mortgage. The client will then
need to either obtain financing that is subordinate to the HRA's mortgage, pay off the HRH's
loan as a condition of the new financing, obtain non -mortgage financing, or forgo the additional
financing.
Appeals regarding interpretation of this Subordination Policy may be made in writing to the
HRA's Executive Director and then to the HRA Board of Commissioners. Appeals that clearly
do not meet the subordination requirements will not be considered.
Targeted Funding
At various times, the HRA may target Program funding for purchases in specific developments.
Applicants purchasing in those developments would receive Program funding prior to all other
applicants.
Total Amount of Assistance i, Formatted: Font: 12 pt, Bold
Formathed: Font: 12 pt
yhe total_amount _of assistance received through the Plymouth HRA for all HRA_programs _____ _ -_ - I Formatted: Font: 12 pt, Not Bold
including the Housing Rehabilitation, First Time Homebuyer, and Emergency Repair Grant
Programs cannot exceed $AP,000. This limit may be waived on a ease -b)_ -case busis at the Deleted' 3
discretion ol'the [-IRA Executive Director. Formatted: Font: 12 pt, NotBoId
Formatted: Font: 12 pt
Modification and Termination of Program
The HRA may modify or terminate the Program as it deems appropriate or as required by HUD.
Once the HRA has provided financial assistance and the mortgage executed, financial assistance
shall not be rescinded except as provided for in the executed HRA mortgage and promissory
note.
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APPENDIX A
DEFINITIONS
Acceptable Loans — Conventional, Fannie Mae, FHA, VA and ARM's that at a minimum are at
a fixed rated for the first seven years.
Applicant— An individual or household submitting an application for a loan.
Application -- The form used to request assistance for the City of Plymouth's First Time
Homebuyer funds.
ARM — An Adjustable Rate Mortgage is a mortgage that offers an initial rate that is fixed for a
certain number of years of repayment; the rate then adjusts every year thereafter for the
remaining life of the loan.
CAPSH -- Community Action Partnership of Suburban Hennepin. An agency working in all of
Suburban Hennepin County to assist low-income people with services to individuals through
outreach, energy assistance programs, homeownership services and financial counseling.
CDBG -- A Community Development Block Grant Program, which is an annual entitlement
program provided to the City of Plymouth through the U.S. Department of Housing and Urban
Development (HUD).
City — The City of Plymouth.
Clearance — A Lead Based Paint Certification that all lead issues have been remediated.
Closing - The consummation of the real estate transaction. The Closing includes the delivery of
a deed, financial adjustments, the signing of notes, mortgages, and the disbursement of funds
necessary to complete the sale and loan transaction.
Closing Costs - Those costs required by the lender to be paid by the buyer For various fees,
credit report cost, insurance, etc. at time of Closing on property.
Consolidated and Annual Action Plans — HUD requires the City of Plymouth to submit a 5
year Consolidated Plan and an Annual Action Plan to guide housing, homelessness and
Community Development activities.
Conventional Mortgage — A type of residential mortgage loan, usually from a bank or savings
and loan association, with a fixed rate and term. It is repayable in fixed monthly payments over a
period usually 30 — 40 years or less, secured by real property, and not insured by the Federal
Ilousing Administration or guaranteed by the Veterans Administration.
Down Payment — A type of payment made by a home buyer, indicating intention to purchase
real estate offered for sale and obtain financing from a bank or mortgage company.
DTI - Debt to Income Ratio — Indicates the percentage of income that goes toward housing
costs, including mortgage principal and interest, mortgage insurance premium, hazard insurance
premium, property taxes, and homeowners association dues (when applicable).
13
Family —A group of individuals who live or will live under one roof
Fannie Mae — A privately owned and operated corporation that buys mortgages from such
lenders as banks and savings and loans, packages the, and resells them on the open market.
FHA — Federal Housing Administration. A Federal agency that administers many loan programs,
loan Guarantee programs, and Loan Insurance programs designed to make more housing
available.
First Time Homebuyer - A Family who has not owned a dwelling of any kind within the
preceding three years from the date of application or who has been displaced due to a divorce
situation. (A Family purchasing a dwelling with a Contract for Deed is not eligible to participate
in this Program.)
Good Faitli Estimate — Document disclosing the approximate closing costs a mortgage
applicant will pay at or before the mortgage settlement date.
Gross Annual Income - The Gross Annual Income of a Household for the purposes of this
program is as defined for purposes of reporting under Internal Revenue Service Form 1040 for
individual Federal annual income tax purposes as per 24 CFR 570.3 and 26 CFR.
Gross Assets - The current market value of the following minus existing indebtedness:
Typically, it does not include 401 Kfunds, pensions, or other deferred canpensation far;7dv.)
1. Cash on hand
2. Cash in checking accounts
3. Cash in savings accounts, including accounts held in trust.
4. The cash value of life insurance policies.
5. Investment securities (government bonds, municipal bonds)
6. Stocks
7. Certificate of deposits and annuities
8. The current market value of all interest in real estate. Included in this determination is
any land in which any resident of the Household holds title or is selling on contract for
deed. The value of the contract for deed property shall be defined as 100 percent of the
outstanding balance on the contract at a time twelve months following the date of the
income and other asset verifications. The dollar amount of the difference between the
outstanding balance at the time of verifications and the outstanding balance twelve
months later shall be included as household income.
9. All other property, exclusive of household furnishings, clothing, and one vehicle. This
section includes, but is not limited to business equipment, boats, snowmobiles,
motorcycles, farm stock and additional vehicles.
10. If the applicant owns a business, in full or in part, and that business is incorporated, then
the business equipment is not an asset. If the business is not incorporated, the business
equipment is then considered a personal asset. The value of the ownership of the
business by the applicant is a personal asset. If the applicant owns less than 100 percent
of the business, written notarized proof of the percent of ownership must be provided by
the applicant to the HRA.
Guidelines - The set of standards, criteria, and specifications to be used in administering the
Program.
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Household — All persons residing in one housing unit; which may include one or more families,
a single person, a married couple, or two or more unrelated persons.
Housing Counselor — A person who provides direct customer service primarily to groups,
individuals, households seeking information and assistance with housing issues.
HRA - The Housing and Redevelopment Authority in and for the City of Plymouth, Minnesota;
which administers Plymouth's First Time Homebuyer Program.
HUD — U.S. Department of Housing and Urban Development. The principal federal agency
responsible for implementing certain federal housing and community development programs.
Income — The amount of money or its equivalent received during a period of time in exchange
for labor or services, from the sale of goods or property, or as profit from financial investments.
Lead Risk Assessment — A report that describes the health -risk assessment, management
process, estimates of the costs of recovery, and summaries of possible defensive measures
required per HUD regulation CFR Part 35: Lead Based Paint Regulations,
Lender - Individual or firm that extends money to a borrower with the expectation of being
repaid, usually with interest.
Low Income Family -- A Family whose annual income does not exceed the low-income limit as
established by HUD with adjustments for smaller and larger families.
MFHA — The Minnesota Housing Finance Agency; a Minnesota State agency that administers a
variety of first time home buyer loan programs.
Moderate Income Family - A Family whose annual income does not exceed 80 percent of the
median income for the arca, as determine by HUD with adjustments for smaller and target-
families, argerfamilies.
Mortgage - The conveyance of an interest in real property given as security for the payment of a
loan.
Principal Place of Residence — To occupy the home as the primary residence on a permanent
basis.
Program - The HRA's First Time Homebuyer Program,
Promissory Mote - A written instrument containing a promise by the signer to pay an agreed
amount,
Purchase Agreement - An agreement between buyer and seller of real property, setting Forth the
price and terms of the sale. Also known as a sales contract.
Reducing the Mortgage Principal Amount - A method of benefiting the buyer through the use
of a portion or all of the HRA provided financial assistance to lower the mortgage principal
amount. In effect, this assistance acts as a larger down payment and, helps to reduce the monthly
mortgage payments. The available amount of assistance is up to 10% of the purchase price to a
maximum of $20,000. Borrowers are expected to contribute at least 281/0 of their gross
qualifying income toward their monthly payment before Plymouth financial assistance can be
used for reduction of the mortgage principal.
Satisfaction of Mortgage — A document releasing a Mortgage lien, indicating the borrower has
paid the debt in Frill.
15
Second Mortgage - A loan on a property that already has an existing mortgage (the first
mortgage). The second mortgage is subordinate to the first.
VA Loan — Department of Veterans Affairs, providing below-market financing with no down
payment to veterans of the U.S. Armed Services.
16
Plymouth HRA
Housing Rehabilitation Program
F'FH
PROCEDURAL GUIDELINES
Adopted by the Plymouth Housing & Redevelopment Authority
ReviseduI ly 201 4 Deleted: JaDuary 2011
TABLE OF CONTENT$ Deleted:9
PART I. GENERAL PROGRAM DESCRIPTION 3
Formatted: Centered, Level 1, Space Before:
iDpl
Program Overview 3
Program Goals 3
Program Administration 4
Purpose of the Program Guidelines 4
PART 11. PROGRAM POLICIES 5
Responsibilities of the Homeowner 5
Responsibilities of the HRA 5
Application to the IIRA 6
Eligibility Rcquircments 7
r
Eligible Dwellings I3
r_Deleted:z -
r --- —
Denial of Eligibility 1 , 1, Deleted:2
1
Higible Improvements 14
Deleted:2 1
Improvement Standards 17
Deleted.6
Accessibility Improvements 7
Deleted: 19
Application/ Loan Processing 21
Deleted: D
PART III. PROGRAM WRIFICATIONS/ DOCUMENTS 2_,__ i Deleted: 3
Pre -Approval Verifications 2 _,.---
i Deleted:3
Pre -Construction Documents
Post -Construction Documents
ART IV: PROGRAM RULES
Lead Based Paint I Lazard Requirements
Repayment of'Assistance
Forgiveness ol'lndebtedness
Subordination Policy
n er ene Repair Funding--- ------
Modification/ Termination of Program
Additional ,'rovi s i on s
Counscling/Training Requirements
DiSnUte Resolution
24
Deleted: s
Deleted: D
Deleted: D
31, - ---- - ----- --
Deleted: D
34_
Deleted:I
i Deleted: t3Z _
3= -
36
APPENDIX A 3$
Definitions 3
2
Deleted: Targeted
r Deleted:2
Deleted:2
i Deleted: Funding Requirements/
Deleted:2
1 Deleted: Additional j
Deleted: s
Deleted: 7
Deleted-, 6
PART 1: GENERAL PROGRAM DESCRIPTION
Program Overview
Plymouth's Housing Rehabilitation Program is available to low and moderate -income
households to maintain, repair, and improve their homes. As the Plymouth Housing and
Redevelopment Authority (HRA) administers the program with funds appropriated from the
Community Development Block Grant Program (CDBG), the program will follow CDBG
regulations.
There are two types of housing rehabilitation assistance available to eligible homeowners,
deferred loans and emergency repair grants. A limited amount of funds are available for each
program and applications are accepted on a first come first served basis.
The deferred loan program allows applicants to receive up to $30,000.00 in a deferred, zero
interest loan to make eligible home improvements to comply with minimum housing quality
standards. Loans must be 100% repaid if the home is sold, transferred, or no longer
homesteaded within 10 years. Alter 10 years the loan principal declines 10% a year until it is
forgiven after 20 years.
An emergency repair grant allows income qualifying seniors a maximum of $5,000.00 in
grant funds to be used for emergency repairs. Emergency repairs include such items as the
repair or replacement of failed plumbing, heating and electrical systems. The purpose of an
emergency repair grant is to allow the homeowners to complete eligible repairs without
completing a full-scale rehabilitation project and signing a long -tern repayment agreement.
Applications may be submitted by non-profit agencies on behalf of eligible homeowners or
directly by homeowners to the Housing and Redevelopment Authority (HRA).
Program Goals
The overall goal of this Housing Rehabilitation Program is to improve the safety, livability,
and the energy efficiency of homes owned by low and moderate -income families within the
City of Plymouth. Additional housing rehabilitation assistance goals have been established
for the City of Plymouth in its Consolidated Plan. According to these goals, for a property to
be counted as meeting the housing rehabilitation standards of the City of Plymouth, the home
must be determined to be substandard and upon completion of rehabilitation meet minimum
Section 8 housing quality standards pursuant to 24 CFR, as follows:
Dwellings improved under this program shall generally meet the performance
requirements and acceptability criteria set forth in this section except for such
variations as are proposed by the HP/1 and approved by HUD. Local climatic or
geological conditions or local codes are examples, which mayjustify such variations.
Program Administration
This Program will be administered by the Plymouth HRA, which has been given the
authority to administer this Program by the Plymouth City Council. Funding of this Program
is provided through the Department of Housing and Urban Development (HUD) as part of
the Community Development Block Grant (CDBG) program. This Program will follow all
applicable CDBG regulations and in the event policies included in this Guidelines conflict
with CDBG regulations, the CDBG regulations will prevail.
Purpose of the Program Guidelines
The purpose of these Guidelines is to establish policies for carrying out the Housing
Rehabilitation Program in a manner consistent with HUD requirements and local goals and
objectives contained in the Consolidated Plan and Annual Action Plan. The LIRA is
responsible for complying with all changes in HUD regulations pertaining to the CDBG
program. If such changes conflict with these Guidelines, as previously stated HUD
regulations will have precedence. Applicable regulations include:
24 CFR Part 5: General Program Requirements
24 CFR Part 8: Nondiscrimination
24 CFR Part 570: Community Development Block Grant
24 CFR Part 35: Lead -Based Paint Regulations
I THF REMAINDER OF THIS PAGE INTENTIONALY LEFT BLAND
PART It: PROGRAM POLICIES i Deleted: y
Formatted: Indent: Left: 0"
Responsibilities of the Homeowner
Complete, sign and submit the housing rehabilitation application as well as all additional
required supporting documentation
Inform the HRA about any changes in their application or project
Meet program deadlines
Set-up initial meeting with HRA staff
Set-up initial inspection with HRA inspector
Review the Scope of Work
Obtain bids and submit the bids to the HRA within 30 days of loan avro•al. Bids and
bidding process must adhere to cost reasonableness standards described on page 35 of
this document.
Make house accessible to contractors
Inform 1 -IRA of any issues related to work or changes in the scope
Inform the HRA when contractors have completed work
Sign Completion Certificate when they are satisfied with the work completed
Responsibilities of the HRA
Outreach and Public Information
The HRA will be responsible for the promotion of the Housing Rehabilitation Program
within its boundaries. The HRA will exercise care in avoiding any advertising or
outreach method that may be deemed to systematically exclude potentially eligible
applicants. Access to program materials will not be denied to any person for any reason.
The HRA will market its own and other available home rehabilitation, energy reduction
and other home improvement and maintenance programs. Some possible marketing
activities that may be used are:
1. Regular promotions in the City's newsletter, area newspapers, and cable TV.
2. Program advertising (brochures/flyers) of HRA and other available programs at
banks, community centers, businesses that sell home improvement items, businesses
with high walk-in traffic, and City Hall.
3. Staff a booth at area remodeling fairs.
4. Post on the City of Plymouth's web site.
The program will include affirmative marketing efforts. The HRA will review its normal
outreach methods from time -to -time to ensure that the loan program is made available to
persons who otherwise might not apply for assistance.
Inspection of Properties
The HRA is responsible for carrying out a minimum of two inspections of each approved
property. The first inspection shall be completed after the applicant is determined to be
eligible for the program. During this inspection a property inspection report will be
completed that will list all deficiencies in the dwelling and will be used to determine
whether sufficient funds are available to render the dwelling reasonably habitable, safe
and energy efficient. ,lf the home was built before 197-9 it will also
be
inspected for lead __.- f Deleted: During [lie inspection, 9hehume
based paint hazards and if required, a lead risk assessment will be ordered.
The second inspection shall take place after the work is finished to determine that all
work has been completed in a satisfactory manner consistent with these guidelines, the
scope of improvements and the contractors quote.
The HRA may conduct interim inspections of the property as necessary.
Preparation of Scope of Improvements/ Work Proposal
The scope of improvements is based on the property inspection report and shall list all of
the eligible improvements that will be completed. The HRA will provide the homeowner
with copies of the scope of improvements. The scope will be prioritized based on the
urgency of the repairs. The repairs must be completed in the order reflected on the scope
of improvements_
Additional Assistance Programs
To maximize available assistance from the Minnesota Housing Finance Agency (MHFA)
and other sources, the I -IRA will work directly with homeowners to assess and facilitate
their eligibility for other assistance. MI -IFA has several programs and other assistance is
often available through ether agencies. Additional Rehabilitation Loan and/or Grant - - L Deleted: the US Department of Energy
Programs include:
1. MHFA Programs
a. Rehabilitation Loan Program
b. Fix Up Fund
2. Weatherization Assistance Program
3. Home Energy Loan Program
Application to the HRA
Normally, a first come first serve applicant selection process will govern the administration
of the program; however, where an applicant has an immediate safety or health need, that
applicant will be given priority.
Each application will be dated upon receipt. The receipt date shall be used as one of the
criteria for ranking of the application. It should be noted that an application is considered
complete when all materials used to determine eligibility are received by HRA stab'.
The HRA shall adhere to the following guidelines:
I. The process must be uniformly applied during the entire funding year.
2. No eligible applicant shall be rejected on the basis of judgments as to personal character
or life-style.
3. Where no funds are available for assistance to applicants, the following procedure shall
be used:
a. Explain to the applicant that the funding for the current year has been either depleted
or allocated.
b. Inform the applicant of other possible funding sources, including local, state and
federal programs.
c. Send the applicant a letter indicating that the application has been placed on a waiting
list but that there is no guarantee of future funding. This letter should outline the
other possible avenues of obtaining home improvement funds.
Eligibility Requirements
Applicants must meet all the requirements set forth in these Procedural Guidelines.
Ownership and Occupancy Requirements
The property must be the applicant's place of residence for a minimum of nine months in
any twelve-month period. An exception may be made for a disabled person or household
member who cannot move into the home until modifications are made,
The applicant must have a qualifying interest in the property although that interest may
be aggregated with the ownership interest of other individuals occupying the property as
their principal place of residence. A qualifying interest shall consist of:
1. A valid life estate. Such life estate must be recorded and must appear in the records
of the County; or
2. A one third interest in the fee title. Such interest may be subject to a mortgage; or
3A contract for deed in the property to be improved. Such contract for decd must bei-------- Formatted: Numbered + Level: l+
recorded and must appear in the records of the County, Numbering style; 1, 2, 3, .., + start at: L +
Alignment: Lek + Aligned at: 0.25" + Tab
after: 0.5" +Indent at: 0.5"
Ownership shall be based on the information recorded in the Hennepin County
if
Deleted:I
Recorder's Office. All individuals having an ownership interest in the property to be
improved must sign the Repayment Agreement.
The applicant must be current on all mortgage payments, contract for deed payments,
homeowner's association dues and property taxes on the property to be improved. If any
of these payments are delinquent, they must be made current before the application can
be approved for funding. In addition, there shall be no outstanding mechanics liens fled
against the property.
The applicant must be capable of maintaining the home. This includes financial and ------- i Formatted: Indent: Left: 0.25' J
physical maintenance of the home. Applicants with significant financial and/ or physical
maintenance issues will be referred to appropriate service agencies, Deletedi q
Annual Gross Household Income
Applicants must have an annual gross household income at or below 80% of the area
median income for the household size in effect at time of application,
Gross annual income is defined as the gross annual income from all funding sources
before taxes and withholdings) of all individuals living in the housing unit for at least
nine (9) months of any twelve-month period and who do not pay rent.
Non-recurring types of income should be included as assets rather than income. Items for
inclusion under this category may include a single gift of cash from a person or persons,
cash sales of property, receipt of one-time survivor benefits, etc. A one-time sale of stock
does not count as income, but rather the proceeds are counted as assets,
Inclusions In Gross Income
The below table presents_ the Part 5 income inclusions as stated in the Code of Federal
Re -Li latior, s:
General Ca ga'T Slarenrcnl from 14 CFR SAMpara +_np) fbl IAnrii i, 2000
i. Income from The full amount, befpl.e any oavroll deductions, of wanes and salaries, overtime oav,
wages, salaries- commissions, fees, tips and bonuses, and other compensation for personal services.
tips. c-
The net income €tom the operation of a business or profession. Expenditures for businessThe
expansion or amortization of capital indebtedness shall not be used as deductions in determining
net income. An allowance for depreciation of assets used in a business or profession may be
2. Business Income deducted, based on straight-linegpre cia ion. as provided in Internal Revenue Service
regulations. Any withdrawal of cash or assets from the operation of a business or profession will
be €ncluded in income, except to the extent the withdrawal is reimbursement of cash or assets
invested in the operation by the famfly.
Interest, dividends, and other net income of any kind from real or oersonal property.
Lxoendltures for amortization of capitai indebtedness shall not be used as deductions in
determining net income. An allowance for depreciation is permitted only as authorized in number
3. Interest & 2 above . Any withdrawal of cash or assets from an investment! will be included in income,
Dividend Income except to the extent the withdrawal is reimbursement of cash ar assets invested by the family.
Where the family has net family assets in excess of $5,000, annual income shall include the
greater of the actual Income derived from all net family assets or a percentage of the value of
such assets based on the current passbook savings rate, as determined by HUD.
The full amount of periodic amounts received From Social Security, annuities, insurance policies.
retirement funds. pensions, disability or death benefits, and other similar types of periodic
4. Retirement & receipts, including a lump -sum amount or prospective monthly amounts For t1&_d_d la_yed t ofstara
Insurance Income Aeriodic amount (except as provided in number 14 of Income Exclusions),
5. Unemployment & payments fn lieu of earnings, such as unempI yment and disability compensation worker's
Disabili[v Income cantpensatiorn and severdnct_j y_(exceot as provided In number 3 of Income Excic sinnsl.
Welfare Assistance. Welfare assistance oavments made under the Temporary Assistance for
U,. Welfare
Assistance
Needy Families fTANFI program are included in annual Income:
a Oualifv as assistance under the TANF program definition at 45 CFR 250-31; and
Are otherwise exciuded from the cafculatlon of annual income per 24 CFR 5.609(c).
If the welfare assistance payment includes an amount specirrcally designated for shelter and
Exclusions from gross biconie
The below table presents the Part 5 income exclusi011s as stated iii the Code of Federal
Reetllations:
General Category
utilities that is subject to adjustment by the welfare assistance agency in accordance with the
1. Income of
Children
actual cost of shelter and utilities, the amount of welfare assistance income to be Included as
2. Foster Care
inLgme 5haII consist of:
the amount of the allowance or rant exclusive of the amountspecifically designated far
shelter or utilities: nhrs
the maximum amount that the welfare assistance agency could in fact allow the family
for shelter and utilities. If the family's welfare assistance is reduced hart the standard
of need by applying a percentage, the amount calculated under 24 CFR 5.609 shall be
LLe amount resulting from one application of the percer}tage.
7. Alimony, Child
periodic and determinable allgwancessuch as alimp_ny and child support Da mems, and regularSupportiERcontributionsorliFlsreceivedfromorganizationsorftompersonsriotresidinginthedwelling,
Income
Inclusions ).
8. Armed Forces All reoular oay. special day and allowances of a member of the Armed Forces (except as providediirlIncomenumber7ofIncomeExclusions).
Exclusions from gross biconie
The below table presents the Part 5 income exclusi011s as stated iii the Code of Federal
Reetllations:
General Category Statement from 24 CFR 5.609 para raphji_LLAprll 1, 2004)
1. Income of
Children Income from em alloyment_of_d€dreg {indg,ding_fosler„Ghildrer under theage of,i8_years;,
2. Foster Care Payments rete€ved for the care of foster children or foster adults (usually persons with
Payments disabilities, unrelated to the tenant family,_ who are unable to lige a€one
3. Inheritance and Lup:swn a¢itions tg-gimpy_ assets. such as €nlieritanctzs, insurance payments including
Insurance Income moments under health and accident insurance and workers com,pensation), capital gains anti
settlement for personal or property losses (except as provided in number 5 of income
Inclusions ).
4. Medical Expense Amounts received by the family _U_iaLg spec icaliy far or in reimbursement of.jli_Q_cost oI
Reimbursements medical expenses for any family member.
5. Income of Live-in
Aides
Income of a live-in aide (as defined in 24 CFR 5.403).
6. Dlsabied Persons Certain increases jn Income of a di bled r psh@r 9151ga1€fie f ti i lditlg.jn__MO a tQ0
housing or receivingL HOME tenant-basedrerttal assistance (24 CFR 5.671(a)]_ T._......
Financial The full amount of strident financial assistance paid d€rertly to the student or to the educational
Aid institution.
S. Armed Forces
17re special pay to a family member serving in the Armed Forces who is exposed to hostile fire. Hostile Fire Pav
9. Selr-Sufficiency a. Amounts received under trainingprograms funded by HUD.
b. Amounts received by A IPe,rson with a disabilitV that are disregarded for a limited timeProgramlncome
for purposes of Supplemental Secur€ty Income eligibility and benefits because they are
set side for use under a Plan to Attain Self-SLIMCientv_(PASS),
C. ArnounLs received byararticlpant in other publicly assisted programs that are
specifically for, or in reimbursement of, out -or -pocket expenses incurred (special
eguipment,_dothing, transportation,. childcare, etc. and which are made solely to allow
participation In a specific program.
d. Amounts received under a resident service stipend. A i. esident service stipend is a
modest amount (not to exceed $200 per month) received by a resident for performing
a service fQr_the PHA or owner, on a part-time basis, that enhances the quality of life in
the development. 5ud>_servfces may include, but are not iinllted to, fire patrol, hall
monitoring, lawn maintenance, resident initiatives coordination, and serving as a
member of the PHA's governing hoard. No resident may receive more than ane such
stipend during the same period of time.
e. Incremental earnings and benefits resulting to any famify member from participation in
ugalifyirlgstateorfocalemploymenttrainingprograms (including training not affiliated
yritji„a_ Igcai_.9overnmeit) 4DO_training of a fariity member as resident management
staff. AmoLlfjts excluded by this provision must be received under employment training
orottrams with clearly defined goals and objectives, and are excluded only+ ,for the
Deleted: Gross annual income includes:q
Saleries (including commissions, bonuses,
overtime pay and tips).q
N>Any public assistance (including but not limited
to welfare, AFDC, SSI, and unemplaymenl
compensation).}
ff>Alimony midlor child support.¶
ff>lntcrest and dividends_Q
ff>Pensions and annuities_ }I
N>Renial income _¶
ff>Estate or trust income.¶
ff>Business profit—for scifemployed individuals
including farmers mrd child care providers).9
ff>Gains from the sale of properly.¶
O>Paymeni received from properties being sold on
contracts for decd_}I
ff>Parinerships.}I
fi>Personal andlar business loan.}
Miscellaneous income (including recurring gins
from a person or persons).
0
period during which the family member participates in the employment training
program.
10. Gifts Temporary nonreculrino, or sporadic income fincludin pifts)-
11. Reparations Reparation.payments paid by a foreigngovernment pursuant to claims Filed under the lads of
that government by persons who were persecuted during the Nazi era.
12. Income from Earnings in excess of soo for each full-time student 13 ears old or older(excluding t e head o
Full-time Students househotd or spouse).
13. Adoption
Assistance
Payrnents
Adoption assistance payments in excess of 5480 per adopted child.
14. Social Security Deferred geriQd€ mountsfram_551_and_599ial Security benefits that are received in a lump sum
SSI Income amount or 1n prospective monthly. amounts.
15, Property Tax Amolmts received by the family in the form of refunds or rebates under state or local law for
Refunds property, taxes paid on„the dwelling unit.
16. Horne Care Amounts paid by a state agency to a family with a member v_rho has a developmental disability
Assistance and is living at home to offset the cost of services and equipment needed to keep this
developmentally disabled family member at Home.
17. Other Federal Amounts specifically excluded bV any other federal statute from consideration as income for
EXCIUslons purposes of determining eligibility or benefits under a catqUry_ofassistance pro iyi ms that
includes assistance under any prograrn to which the exclusions of 24 CFR 5.G092U apply.
including:
The value of the allotment made under the Food Stamp Act of t977;
Payments received under the Domestic Volunteeu Seuvke Act of 197-{employment
throufah VISTA. Retired Senior Volunteer Program, Faster Grandparents Program,
youthful offender incarceration alternatives, senior companions!;.
Payments received under the Alaskan Native Clalnis Settlement Acer;
Income derived from the disposition of funds to the Grand foyer Band of Ottawa
Indians;
Income derived from certain submarginal land of the United States that is Ileld,in trust
for certain Indian tribes:
Payments or allowances made under the Department of Health and Hum_a_n_Service_s'
LOw-Income Home Ellergy Assistance Program:
v
Payments received under the Maine Indian Claims Settlement Act of 1980.f 25 U.S.C.
1721);
The First $2,000 of per capita shares received from jpdgment funds awarded_ hy_the
Indian Claims Commission or the U.S. Claims Court and the interests of €ndiv€dual
Indians in trust orresLricted lands, including the First $2,000 per year of income
received by individual Indians from funds derived from interests held in such trust or
restricted lands:
Amounts of scholarships funded under Title IV of the Higher EAucation Act of 1965,
including awards under the Federal workstudy proc;ram or under the Bureap of Indian
Affairs student assistance programs;.
Payments receiygd, from programs funded under Title V of the Older Americans Act of
1935 (Green Thumb. Senior AIdes, OlderAmencan Community Service EmploymenC
Program):
Payments received of) or after January 1 1939 f, rom 1:he Agent Oranne SettlemenC
Fund or anV other hind established pursuant to the settlement in the In Re A ent
Change product liability litigation, M. D. L. No. 301 [E.D.N_ Y.)i
Earned income tax credit refund payments received on or after January 1. 1991,
including advanced earned income credit payments:
The value of any cMd care provided or arrang.gd(or any amount received as oayment
for such care or reimbursement for costs incurred for such care) under the Child Care
and Development Block Grant Act of 1990•
Payments received under programs funded in whole or in part under the Joh Train3in
Paitnership Act (emMovrnent and training programs for Native Americans and migrant
and seasonal farm workers. )Db Corps state job training programs and career intern
pj Qgrams AmeriCorpsJ;.
Payments by the Indian f_lairns Commission to the-Confederated Tribes and Bands of
Yakima Indian Nation or the Apache Tribe_of ME) CBIerD Reservation;
Aflowanres, earnings, and pavments to Amer€CorpAp,artij{p_pnts_under the National and
Community Service Act of 1990;
0
Any allowance paid under the Provisions of 30 U.S.C. 11305 to a child suffering from
spina bifida who is the child of a Vietnam veteran;
Any amount of crime victim coinpensatlan (under the Victims of Crime Act) received
through crime victim assistance (or payment or reimbursement of the cost of such
assistance) as determined under the Victims of Crime Act because of the commission of
a crime against the aoohcant under the Victims of Crime Act: and
Allowanges_, earnings and payments to individuals participating In programs under the
Workforce Investment Act of 199[3.
Calculation of Household Income
1. Gross annual income shall be based upon annualized weekly or monthly income as of
the date of verification.
2. In cases where the gross income of the applicant's household is extremely low, the
applicant must demonstrate they are able to meet their monthly obligations. The
applicant must produce written verification of the household's monthly expenditures,
clearly itemizing the amount of money and its source, on all obligations, which may
include the following items: mortgage, contract for deed, insurance, loans, income,
property taxes, transportation expenses, charge accounts, health costs, food, utilities,
clothing and entertainment. These expenses shall determine the household
maintenance income.
3. Any income determination, which results in a net loss of income, must be considered
as $0 income, That is, an income loss from one source may not be subtracted from a
separate source of income for the purpose of determining total household gross
annual income.
4. Any educational loans, including VA benefits, which are paid directly to the
individual, must be included as income. loans or scholarships, which are paid
directly to an educational institution, are not included as income.
5. If a current pay -stub does not provide conclusive verification of overtime or bonuses,
the loan administrator, through contacting an employer, may need to determine
projected bonus and/or overtime income. The amount of overtime or bonuses may
also be based on prior year's figures or average amounts awarded to other employees
with the same status. The most recent IRS tax return may also be used for these
purposes.
6. Self-employed persons must submit signed copies of IRS tax returns for the previous
three years. Applications processed before April 15th of any given year may use the
IRS tax returns from the second and third proceeding years if their return far the first
preceding year is not available. Applications processed after April 15th of any given
year must use the IRS tax returns from the first and second preceding years. The
administering entity will determine gross annual income by averaging the income
from the two submitted returns.
in
For self-employed persons, normal out-of-pocket business expenses such as office
rents, telephone, etc. are generally deductible items. Property or equipment
depreciation is not deductible and must be added back to establish income for
program purposes.
Individuals who have been self-employed for less than two years must submit a profit
and loss statement detailing the business income and expenditures. An exception
may be made if the applicant prepares one that it is endorsed by a reputable third
party and includes a declaration that all information contained in the statement is
accurate and complete and that the applicant is aware that any errors or evasions may
result in prosecution. If the individual can produce a signed IRS return for one
complete year of self-employment and a profit and loss statement for the subsequent
period, that will be acceptable.
8. Income from rental properties, including rents from the property to be improved, shall
be included in the gross annual income. Expenses allowable for deduction for rental
purposes include a proportional share of the mortgage principal and interest payment,
utilities, taxes, insurance, and maintenance. In no event shall such deductions exceed
the gross rental income.
9. The Calculation of Gross Annual income may not be based on a temporary condition
such as unemployment or temporary worker's compensation. If unemployment recurs
on a regular basis, gross annual income shall include the sum of wages and
unemployment compensation expected to be received by the household over the next
12 months. If worker's compensation is permanent income the insurance company
must verify it.
Gross Annual Income may not be based on temporary non-recurring unemployment
of a known duration, such as that due to lay-off, maternity leave, sabbatical leave, etc.
Rather, income shall be calculated based on the normal annual income of the
temporarily unemployed person. At that time, the household must be able to
demonstrate that it is both income eligible and capable of meeting its monthly
obligations as outlined.
Application of those who are unemployed for an unknown period of time shall not be
considered until the unemployed household member has exhausted all eligibility for
unemployment compensation and the employer indicates a callback date is unknown.
10. The income earned from assets will be combined with income earned from other
sources to determine if the total income is under the appropriate income limit.
11. All applicants must be able to demonstrate that they are current on income tax+ -------i Formatted: Indent: Left: 0.25", Hanging:
payments to the federal government by submitting signed copies of complete federal
tax returns for the three preceding years. Applicants who are delinquent, but who can
be verified as being current on a repayment schedule, will be regarded as being
eligible in this regard. Applicants who are required to file federal income tax returns
12
but who have not filed or applicants who are delinquent and are not current on a
repayment schedule are not eligible for program assistance, A' Deleted: Determination
Deleted: Typically,
Asset Limits I Deleted: Contribution
Deleted: I r A a applicant's Loan to Value ratio is
Gross Assets must not exceed $25,000, which excludes one automobile. Gross Assets below 60%, they would be required to contribute to
the cost of the rehab in an amount equal to the egwly
include the cash value of accounts such as money-market accounts, personal savings available that is greater than 80%. 1
accounts, checking accounts, investment securities, stock, current market value of all r ;Example L1
interest in real estate, annuities, life insurance policies, and certificate of deposits. )_t does. 1I
not include 401K funds, pensions, or other deferred compensation funds. Value of home from either an appraisal or property
I assessment $2a0o0ul
i 801/6 Loan—to-Value
EClU11Y IlllllsLin 5160000
T, Total loans against the property
5100,0009
Applicants whose home equity exceeds the greater of 20% of the assessed ro elt valueI12-I- y Available Equity! Applicant Equity Contribution to
of the property or $20-000 shall not be ellnlblc for the program. The IIRA Executive I the Project -560,0001
Dfl'CL'toI' may app?I'O\`e i7 GVa.IV4'1' of this eC{Ult}' II1711t 8l 1115?ht:i' dlSCl'C:Iloll based On the - I In this scenario, the applicant would be ineligible for
ol lowing Criteria: the Plymouth Rehabilitation Loan Program because
1. Applicants Debt -to -Income Ratio (DTI) the amount of equity available exceeds the maximum
loan amount of $20,000 for the Rehab program.9
2. Applicant's Documented Inability to Secure Private f=inancing 1
Cnel' of Re pail's VeedudJ. Ufg_ I—
Example 2:9
3 9
4. Availability (Il Proarain 1'undirl s Value ofhomefrom either anappraisal orproperty
mm
1112 assessment $200,0001
80%Loan-to-Value
S160,0001
Eligible Dwellings
Total loans against the
Property -5150,0001
PI'opertyType and Location
7. 1 Available Equity! Applicant Equity Coniributinn to
I the Proiect - _ _ -$10,0001
i1
The property must be 1) located within the city limits of Plymouth; 2) in compliance with all
In this scenwio,the appbeantwoaldberequired to
applicable zoning ordinances; 3) used primarily for residential purposes; and 4) contain no
commit $10,000 of their ex,stmg equity towards the
I Rehab Luan. Plymouths' Rehab loan would be
than two dwelling units,,at least one of which must be owner -occupied. Improvements so thatmoreia520,000
can only be made to the owner -occupied unit, unless the improvement serves both units, such
oucesources do viol exceed the program
maximum limil.q
as a roof. However, a condominium or townhouse may be considered eligible providedi EXCEPT ir,heapplicant i5unable mobtain the
repairs are done only within the unit itself, funds or financing to contribute their portion to ilia
project based on the above scenario, then the
Calculation -of -Need cm, be used If the applicanl's
Structure debt -to -income ratio is greater than 55% ilia
applicant would be considered eligible
The property to be impfoved must be an existing and permanent structure. An owner- Fortnatted:Indent Left: D"
T mm
occupied mobile home on a permanent foundation located on land owned by the applicant is Deleted: .1
eligible. Trailers or mobile homes located on land not owned by the applicant are not
Hardship requests shall be made in wriling to the
Housing Program Manager and will be reviewed on
eligible. a case-by-case situationswherelqualhomeownerdosnotryat'lumt 2 lenders
1212.- .--__-1112 1112; forpnvate financing. Irflke Flousrng Program
Denial of Eligibility A4anaber denies a hardship regucst, appeals
E regarding interpretation of fhe hardship provisions
F may be made in writing to the HRH's Executive
The HRA will review and verify all applications for eligibility. 'Those applicants not meeting Director and then to the HRA Board of
the eligibility requirements will be sent a written notice explaining the reason(s) for denial t Commissioners, which has the fmnl say in th
and outlining the appeal process as stated below.
Formatted: Fontooior: Black
ti Deleted; one of them
13
Appeal ol'l.oan Taenial
Appeals regarding interpretation of eligibility requirements may be made in writing to the
Housing Program Manager, HRH's Executive Director and then to the HRA Board of
Commissioners. Appeals _that clearly do .not meet eligibility requirements will not be ;Deleted:
considered.
Eligible improvements
Each improvement must be a permanent general improvement, Permanent general
improvements shall include such alterations, renovations, or repairs upon or in connection
with existing structures, which correct defects or deficiencies in the property affecting
directly the safety, habitability or energy consumption of the property. A permanent general
improvement must be economically viable in terms of a determination that after the
improvement is madet
The structure will have a remaining useful life such that the total amount of the
repairs required bringing the house up to Section 8 Housing Quality Standards may
be amortized over such life in an economically prudent manner.
2. The structure will be reasonably livable, safe and habitable. All materials used in the
rehabilitation work will be new, of same grade and quality, dimensions and design as
that originally installed. All work and materials must be applied in accordance with
the applicable manufacturer's list instructions and specifications. The owner shall
select colors and patterns or materials furnished by the contractor fi-om readily
available supplier's selection. However, should the homeowner desire more
expensive materials to be used, the homeowner would pay the cost difference.
No funds shall be used in whole or in part for the purpose of refinancing or paying off an
existing indebtedness. All such funds must be used to finance improvements begun after
the execution of a Work Contract prepared by the BRA and signed by the homeowner
and the contractor.
Additions
t Deleted: ¶
Ll
The HRA may approve the construction of an addition only in the circumstances Deleted: ¶
indicated helow: aes`T'6ea
1. Bedroom additions may be allowed in cases of severe overcrowding. For the purpose
of this program, a dwelling will generally be considered "overcrowded" if there is an
average of more than one person per room (excluding bathroom) in the dwelling, or
as otherwise approved by the HRA.
2. Bathroom additions may be allowed in cases of inadequate indoor bathroom facilities
only if no other space in the structure is appropriate for such facilities
3, In the case of applicants with impaired mobility, request for room additions will be
reviewed in compliance with procedures for loans including accessibility
improvements.
14
Demolition
Demolition of outbuildings is allowed only when such clearance is required by the local
building code, Loan funded improvements cannot otherwise be limited to demolition
only, except in circumstances determined as exceptional by the HRA.
Sidewalks and Driveways
Reconstruction of sidewalks and driveways is allowed only on private property and only
if necessur to remove safet hazards or to preserve the Structure pt' tile home, Deleted: existing conditions a re clear andy1
Construction of a new sidewalk or driveway may be allowed at the discretion of the HRA '"'" inem ___---
and only as necessary for accessibility improvement for elderly or disabled household
members --------
0 Exteriors
Exterior finishing (painting or siding) is allowed if there is deterioration of current
exterior finishing, Exterior finishing requested solely for cosmetic purposes will not be
approved. Should a determination be made that lead-based paint was used on the
structure; appropriate measures will be taken in accordance with applicable lead based
paint requirements.
Energy Efficiency
Where property is not reasonably energy efficient, loan funds shall be used to the extent
necessary to increase such efficiency. Energy saving features shall be consistent with the
energy standards promulgated as part of the State building code, but such improvements
need not bring the unit or house into compliance with such energy standards.
Smoke Detectors
Smoke detectors shall be installed in all dwellings being improved with loan funds,
unless detectors are already properly installed. All properties being improved shall
contain adequate smoke detectors following completion of the rehabilitation work. When
interior alterations, repairs or additions requiring a permit occur, or when one or more
sleeping rooms are added or created in existing dwellings, the individual dwelling unit
shall be provided with smoke detectors located as required for new dwellings; the smoke
detectors shall be interconnected and hard wired.
Exceptions: I) Smoke detectors in existing areas shall not be required to be
interconnected and hard wired where the alterations or repairs do not result in the
removal of interior wall or ceiling finishes exposing the structure, unless there is an attic,
crawl space, or basement available which could provide access for hard wiring and
interconnection without the removal of interior finishes. 2) Repairs to the exterior
surfaces of dwellings are exempt from the requirements of this section,
15
Power Source: In new construction, the required smoke detectors shall receive their
primary power from the building wiring when such wiring is served from a commercial
source, and when primary power is interrupted, shall receive power from a battery.
Wiring shall be permanent and without a disconnecting switch other than those required
for over current protection. Smoke detectors shall be permitted to be battery operated
when installed in buildings without commercial power or in buildings that undergo
alterations, repairs or additions.
Carbon Monoxide (CO) Alarms
Carbon Monoxide Alarms shall be installed within ten feet of each room lawfully used
for sleeping purposes. All CO alarms shall be certified by a nationally recognized testing
laboratory to conform to the latest Underwriters Laboratory (UL) Standards. t
Power Source: CO alarms must be either hardwired into the electrical wiring, directly
plugged into an electrical outlet without a switch, or battery powered.
House Numbers
Where the house numbers are not present or are not installed to applicable City codes and
ordinances, they shall be installed properly.
Stoves and Refrigerators,
If a refrigerator does not have a freezer compartment, maintain a temperature low enough
so that food does not spoil over a reasonable period of time and is not sized correctly for
the household to meet Section 8 Housing Quality Standards consideration may be given
to replace or repair the refrigerator.
Deleted. q
If a cooking stove or range with top burners is present but does not meet Section 8
Housing Quality Stan dards_Gpnsideratio_n may be given to replace or repair the stove or __--- Deleted:. C J
range with top burners.
Repair or replacement of washers/dryers/dishwashers is not allowable- -------------- ----- -- Deleted: q
Water and Sewer
Loan funds may be used for the portion of improvements located on the property which
will bring an individual water supply system or an individual sewage disposal system
including septic systems) into compliance with local, state or federal environmental and
sanitary standards provided no public utility service is available. Payments of applicable
SAC (Sewer availability charges) are an eligible expense. -----------------------------------------------
Water drawn from a valid well must be potable (safe for drinking) and must be free of DeWater
Del teedFUNassand, grit or other material which might damage the pump or plumbing. Water need not
be free from minerals that may make it cloudy nor must it be free from odor, N imds Deleted: WILL
gill be disbursed by the 1-IiZA until Nvater is struck. It is an ligible improvement to ,•»- i Deleted; sEDISBURSED evTiietIRAE
UNTIL WATER IS STRUCK.
16
connect a house to City water and/or sewer when conditions affecting the health of the
residents are present or when required by City Ordinance.
Garages
Work on detached garages is allowed only if the existing condition presents a clear and
imminent safety hazard. Repair or replacement ol'gprage door openers will notcligible _-
tnless the homeowner has a documented physical disability l rf neci syary for the sttfetk
and security of the residents of the home.
i
Improvement Standards
Sanitary Facilities
1. Performance Requirement: The dwelling unit shall include its own sanitary facilities,
which are in proper operating condition, can be used in privacy, and are adequate Cor
personal cleanliness and the disposal of human waste,
2. Acceptability Criteria: A flush toilet in a separate, private room; a fixed basin with a
sink trap and hot and cold running water; and a shower or tub with hot and cold
running water shall be present in the dwelling unit, all in proper operating condition.
These facilities shall utilize an approved public or private disposal system.
Food Preparation
Deleted: G
Deleted; he considered u an
Deleted: repair or addition
Deleted: which would require them to have one.
Deleted: ¶
I Formatted: Indent: Lett: 0", First line: 0"
1, Performance Requirement: The dwelling unit shall contain suitable space and
equipment to store, prepare, and serve foods in a sanitary manner, There shall be
adequate facilities and services for the sanitary disposal of food wastes and refuse,
including facilities for temporary storage where necessary.
2. Acceptability Criteria: The unit shall contain the following equipment in propel ------r Formatted: Indent: Left: 0.25", Numbered -I-
operatingoperating condition: an oven, a cooking stove or range; a refrigerator of appropriate Level: 1 + Numbering style: I, 2, 3, ... +stare
at: E + Alignment: Left + Aligned at: I" +
size for the family and a kitchen sink with a sink trap and hot and cold running water. I Indent at: 1.25"
The sink shall drain into an approved public or private system. Adequate space for
the storage, preparation and serving of food shall be provided. There shall be
adequate facilities and services for the sanitary disposal of food wastes and refuse,
including facilities for temporary storage where necessary (e.g. garbage cans), Defetea:lj
Space and Security
1. Performance Requirement: The dwelling unit shall afford the homeowner adequate
space and security.
2. Acceptability Criteria: A living room, kitchen area, and bathroom shall be present,
and the dwelling unit shall contain at least one sleeping or living/sleeping room of
appropriate size for each two persons. Exterior doors and windows accessible from
outside the unit shall be lockable.
17
Thermal Environment
1. Performance Requirement: The dwelling unit shall have and be capable of
maintaining a thermal environment healthy for the human body.
2. Acceptability Criteria: The dwelling unit shall contain a safe heating system which is------- Formatted: [ndent• Left: 0.25", Numbered+
in proper operating condition and can provide adequate heat to each room in the Level: 1 li Numbering Style: 1, 2, s, ... + start
at: 1 +Alignment: Left +Aligned at: 1" +
dwelling unit to ensure a healthy living environment. Unvented room heater which Indent at: 1.25"
burn gas, oil or kerosene, are unacceptablet d Deleted:,
Deleted: 1f
Illumination and Electricity <+f>1 J
Performance Requirements: Each room shall have adequate natural or artificial
illumination to permit normal indoor activities and to support the health and safety of
occupants. Sufficient electrical outlets shall be provided to permit use of essential
electrical appliances, Electric fixtures and wiring must ensure safety from fire.
Acceptability Criteria: Living and sleeping rooms shall include at least one window.
A ceiling or wall type light fixture shall be present and operable in both the bathroom
and kitchen area. At least two electric outlets shall be present and operable in the
living room area, kitchen area, and each bedroom area.
Structure and Materials
1. Performance Requirement: The dwelling unit shall be structurally sound so as not to
pose any threat to the health and safety of the occupants and to protect the occupants
from the environment.
2. Acceptability_ Criteria: Ceilings, walls, and floors shall not have any serious defects
such as severe bulging or ]caning, large holes, loose surface materials, severe
buckling or noticeable movement under walking stress, missing palls or other serious
damage. The roof structure shall be firm and the roof shall be weather tight. The
exterior wall structure and exterior wall surface shall not have any serious defects
such as serious leaning, buckling, sagging, cracks or holes, loose siding, or other
serious damage resulting in air infiltration or vermin infestation. The condition and
equipment of interior and exterior stairways, halls, porches, walkways, etc, shall be
such as not to present a danger of tripping or falling. In the case of a mobile home,
the home shall be securely anchored by a tie down device which distributes and
transfers the loads imposed by the unit to appropriate ground anchors so as to resist
wind overturning and sliding.
Interior Air Quality
1. Performance Requirement: The dwelling unit shall be free of pollutants in the air at
levels that threaten the health of the occupants.
2. Acceptability Criteria: The dwelling unit shall be free from dangerous levels of air
pollution from carbon monoxide, sewer gas, fuel gas, dust, and other harmful air
pollutants. Air circulation shall be adequate throughout the unit. Bathroom areas
shall have at least one operable window or other adequate exhaust ventilation. Any
room used for sleeping must have at least one operable window.
18
Water Supply
1, Performance Requirement: The water supply shall be free from contamination.
2. Acceptability Criteria: The unit shall be served by an approved public or private-------, Formatted; Indent: t -eft: 0.25", Numbered+
sanitary water supply that is sanitary and free from contamination. Leve: 1 + Numbering 1, ... + start
at: l +Alignment: Left + Aligned at: 1" +
i Indent at: 1.25"
Lead Based Paint Deleted: y
a>y —
1. Performance Requirement: The dwelling unit shall be in compliance with HUD Lead
Based Paint regulations, 24 CFR, Part 35, issued pursuant to the Lead Based Paint
Poisoning Prevention Act. 42 U.S.C. 4801 and all successive amendments.
2. If the property was constructed prior to 1978, the applicant will be furnished the HUD
Lead Based Paint Notice on the hazards of lead based paint poisoning.
Documentation of receipt of the notice shall be included in the file,
3. Acceptability Criteria: Same as Performance Requirement.
Access
1. Performance Requirement: The dwelling unit shall be usable and capable of being
maintained without unauthorized use of other private properties, and the building
shall provide an alternate means of egress in case of fire.
2. Acceptability Criteria: The dwelling unit shall be usable and capable of being
maintained without unauthorized use of other private properties. The building shall
provide an alternate means of egress in case of fire (e.g. windows that satisfy
standards f'or egress).
Site and Neighhorhood
1. Performance Requirement: The site and neighborhood shall be reasonably free from
disturbing noises and reverberations and other hazards to the health, safety, and
general welfare of the occupants.
Acceptability Criteria: The site and neighborhood shall not be subject to serious -------- Formatted: Indent: Left: 0.5"
adverse environmental conditions, natural or man made, such as dangerous walks and
steps; instability; flooding; poor drainage; septic tank backups; sewage hazards; mud
slides; abnormal air pollution, smoke or dust; excessive noise, vibration or vehicular
traffic; excessive accumulations of trash; vermin or rodent infestation; or lire hazards,
19
Sanitary Condition
1. Performance Requirement: The unit and its equipment shall be in sanitary condition.
2. Acceptability Criteria: The unit and its equipment shall be free of vermin and rodent
infestation.
Smoke Detectors
Performance Requirement: The unit shall have at least one battery-operated or hard--------4Formatted: None, indent: Left: 0.25',
wired smoke detector, in proper operating condition on each level of the unit. Smoke Hanging: 0.25"
detectors must be installed in accordance with and meet requirements of NFPA 74
and succeeding standards. If the unit is occupied by hearing-impaired person(s),
smoke detector must have an alarm system, designed for hearing impaired persons} Deleted:I
Accessibility Improvements
Permitted Accessibility Improvements
Accessibility improvements may include:
1. Structural Improvements: Construction, installation or modification of ramps,
handrails, kick plates and door widths; repair or replacement of doors; relocation of
doorways; installation of ]ever -action hardware; construction or expansion of rooms.
2. Exterior Improvements: Construction of exterior ramps, railing, walkways, landings
and porch extensions, site grading and other site improvements.
3. Bathroom Improvements: Installation of elevated water closets, grab bars, shower
stalls, tub seats, hand-held showers, accessible sinks, electrical outlets, medicine
cabinets and other accessories, and modification or expansion of bathroom area to
allow a five-foot turning radius.
4. Kitchen Improvements: Construction, modification or replacement of cupboards or
shelves to provide access to sinks, cook tops, ovens or storage areas; installation of
accessible electrical outlets and switches, lever -action hardware, garbage disposals;
insulation of hot water pipes; modification or expansion of kitchen area to allow for a
five-foot turning radius in the workspace; installation of "lazy Susan's" in cupboards;
replacement of floor covering in order to improve wheeling surface.
5. Other Improvements: In exceptional circumstances - installation of central air
conditioning and/or stair glides or electric lifts when the handicapped person's doctor
in writing verifies the need For these improvements.
G. Improvements that are determined to be ineligible as accessibility improvements may
be funded under the other provisions of the Procedural Guidelines.
Additional Funding for Accessibility Improvements
A,Q. imum loan of $40,000.00 will be allowed to households with accessibility needs to _----1 Deleted: total
address both accessibility and general improvement needs. Although there is no fixed
limit allowed for accessibility improvements, serious health, safety, and code violations
must be addressed in addition to the accessibility improvements. A prioritization of the
20
scope of improvements will be done by the program administrator in conjunction with the
homeowner to allow for the most urgent needs to be met.
Standard Procedure for Compiling Accessibility Portion of Loan
A loan application that includes accessibility improvements must include the following:
An accessibility improvements inventory, containing a description of the accessibility
improvements to be made shall be included with the inspection report;
2. A letter describing:
a. the level and specific type of disability experienced by the handicapped person; -- Formatted: Indent: Left: 6.5"
and
b, the specific accessibility improvements requested;
3. Quotes from contractors;
4. Architectural drawings, if needed;
5. Any other materials requested.
Requirements for Participation
Loans may be made to households with a handicapped person for accessibility
improvements if the conditions of the Procedural Guidelines have been fully satisfied.
To qualify for accessibility improvements the handicapped person must be a pennanent
member of the household.
Application/ Loan Processing
Acceptance Procedures
The HRA's objectives are to encourage necessary improvements whereby the structure
will be reasonably livable, safe, habitable, and energy efficient.
Approval of Application
1. Upon approval of the application, the HRA will notify the applicant in writing.
2. The Repayment Agreement executed by the applicant and dated prior to work
completion will be held by the HRA.
Expediency of Loan Processing
Loans shall be processed in a reasonable length of time in an efficient and accurate
manner. Each Loan shall be completed within six months, from start to finish, unless
otherwise authorized by the Plymouth HRA, The Repayment Agreement shall be filed by
the Program Administrator prior to work commencing.
21
Disbursement of Funds
The HRA will be responsible for disbursing funds to contractors who have performed
work. Payment for work completed will be made after the work is completed, inspected
and all of the required parties have signed a completion certificate. Partial payments may
be made if required by the contractor after an interim inspection and the homeowner has
signed a completion certificate for that portion of the project. Advance payments may be
made at the discretion of HRA staff and written approval from the homeowner when
required for ordering up -front cost items, such as windows or siding, and upon
submission of an invoice of materials ordered by the contractor.
Disbursement Procedures
No disbursement of funds shall be made to a contractor until the IIRA is in receipt of:
1. A Completion Certificate signed by the inspector, homeowner, and HRA
administrator; and
2. An original invoice from the contractor for the amount of the work performed; and
I A properly completed Sworn Construction Statement; and
4. Lien waivers provided by the contractor/subcontr-actor(s) supplier for the amount of
the work performed; and
5. Any successful Clearance Tests, if necessary.
Upon receipt of the above items, payment may be made to the contractor. Payment will
normally be made within 15 business days alier the HRA receives the invoice, signed
Completion Certificate and the lien waivers
Delivery of Loan Funds
The HRA will disburse funds to contractors for completed work, in compliance with
Program Guidelines. No work shall start on any structure prior to the proper completion
of a Work Contract referring to specific work items under that particular loan, the
contractor's proof of insurance, license, W-9 form, and LBP certification if required.
Requests for Changes in Loan Amount
At the discretion of the HILA, an expenditure of funds in excess of the approved amount
may be approved in the event of justifiable over -runs in the cost of improvements. The
HRA must document increases or decreases in the amount according to the following
procedures;
1. The HRA shall inspect the property to determine if the change is justified.
2. The HRA may authorize changes that meet program eligibility criteria when
necessary. Authorization will be given by the HRA signing the amendment request
certificate,
3. In no case shall the amount of the loan exceed the maximum loan amount, except in
the cases of accessibility loans, lead-based paint issues, or where a serious health or
welfare conditions warrants a greater amount.
22
Completion -Procedures
No loan will be considered complete until the following steps have been accomplished:
I. Inspection of the Property - All improvement work, as specified in the rehabilitation
work summary, will be inspected for completeness, conformity to specification and
quality of workmanship. The HRA will require completion or correction of any item
Found lacking. Failure of a contractor to comply with such a request for completion
or correction of work is considered grounds for withholding payment.
2. Recording of the Repayment Agreement — The loan amount identified on the
Repayment Agreement will be the maximum loan amount the homeowner is entitled.
Once the Repayment Agreement is executed the agreement will then be recorded by
the HRA with the Registrar of Deeds or the Registrar of Titles.
3. Completion Certificate - following the final inspection and successful completion of
work, the homeowner, inspector, and the HRA Administrator will sign a Completion
Certi Gcate prior to any payment being made to a contractor.
4. .__..._.. ---- ----- ----------- --------------------- ----- -------------------- .,....... . ....,..------ ----- ......____-_-_____--
THE REMAINDER OF THIS PAGE INTENTIONALY LEFT BLANK
23
Deleted: q
9
X11
X11
jDeleted:¶
IFormatted: indent: Left: 0"
PART III: PROGRAM VERIFICATIONS/ DOCUMENTS
Pre -Approval Verifications
Income Verification
All sources of income listed on the application will be verified by the HRA. The
following is a list of acceptable forms of income verification evidence:
I. Written verification from employers or other income providers.
2. Copies of four recent checks or check stubs, which must include the year-to-date
earnings.
3. All applicants must submit complete federal income tax returns for the last three
years unless household income is not taxable.
4. Two most recent bank statements for checking and savings accounts.
5, income derived from rent must be verified by the renter in writing or by examining
copies of checks or rent receipts,
The material used to verify income must not be more than 90 days old at the time of
approval. If the material is more than 90 days old, all income(s) must be re -verified
before an application can be approved.
Asset Verification
All assets listed on the application must be verified by the HRA. The following is the
only acceptable form of asset verification evidence:
1. Written verification fi,om banks, insurance companies or other asset holders; and
2. Copies of bank statements, insurance policies, premium notices, financial statements
and the like.
The date of document used in verifying assets must not be more than 90 dans previous to
the date of approval. If it is more than 90 days old, assets must be re -verified before an
application can be approved.
Mortp_a;4e Status Verification
The HRA will ensure that the mortgagc(s) and/or contract for dead(s) on the property to
be improved are current. If payments are delinquent, the applicant must be given four
weeks to make them current. The date of the document used in verifying the mortgage
and/or contract for deed must not be more than 90 days previous to the date of approval.
If it is more than 90 days old, the mortgage status must be re -verified before a loan
application can be approved.
24
Title Verification
1, The following information will be obtained from the County Recorder regarding each
property:
a. The Ina me of all owners of record, exact]y as they appear on the title; Formatted: No underline
b. Whether it is Torrens or Abstract. Formatted: No underline
2, Upon obtaining this information, the HRA will determine that the applicant
individually or in the aggregate has a qualifying interest in the property consisting of
at least:
a. A valid life estate. Such life estate must be recorded and must appear in the
records of the County; or
b. A 1/3 interest in the fee title, Such interest may be subject to a mortgage; or
c. A contract for deed to the structure being improved.
3. In addition, the applicant(s) must occupy the property as the principal place of
residence, To consider a property the principal place of residence, an individual
must:
a, Rcside in the property at the time of application (except where extraordinary
circumstances have made the property temporarily uninhabitable or in the case of
a disabled person or household member who is unable to move into the property
until needed accessibility modifications are made); and
b. Occupy or intend to occupy the property for at least 9 months ofthe year.
4. For the purpose of complying with ownership requirements, the borrower may
aggregate his/her interest in such property with the ownership interest of other
individuals occupying the property as their principal place of residence.
Pre -Construction Documeuts
Rehabilitation Application
The application must be filled out completely and signed and dated by the Applicant.
Individual Data Confidentiality
The applicant's rights as a subject of data are fully described in this form. One form
should be given to the applicant and a signed and dated copy should be included in the
file.
Property Inspection Report
1, This report must include the following items:
a. General condition of the structure
b. Structural soundness
25
c. Plumbing systems including:
systems
d. Heating systems
e. Electrical systems
f. Roof
g. Energy efficiency including:
ventilation
h. General Exterior Conditions
i. General Interior Conditions
water supply, waste disposal, fixtures and piping
insulation, infiltration, windows, doors and
2. An explanation should be provided for any deficiency that appears on the inspection
report but does not appear on the rehabilitation work summary for correction.
3. The inspection report must be signed and dated by the inspector performing the
inspection,
4. Major infractions of the City building codes constituting a health and/or safety
hazard or seriously diminishing the habitability of the residence will be noted
and explained to the applicant.
Scope of Improvements and Work Proposal
This listing of all eligible improvements should be kept on file in case the homeowner
requires additional copies. Copies will be sent to the homeowner along with a mandatory
cover letter encouraging the consideration of minority or women -owned contractors and
including information on how to access such contractors. A copy of this letter will also
be included in the file.
The Scope should allow contractors the opportunity to submit alternates or amendments
to work items.
Rehabilitation Work Summary
The HRA, in conjunction with the homeowner, determines the work to be done with the
funds available. If the homeowner disagrees with the HRA's choice of improvements,
items may be waived by the homeowner, in writing, at the discretion of the HRA. The
rehabilitation work summary list includes:
1. The improvements to be done by item, and contractor performing work and a
breakdown of costs by item and contractor.
2. The total cost of the work to be performed shall be listed. The maximum loan
amount shall not exceed the lesser or-
a, $30,000.00; or
b. The actual cost of the work performed
26
EXCEPT that when the project involves accessibility improvements. cad based paint _ - , Deleted: or
improvements, or when health and welfare conditions warrant.where the maximum
loan amount may be $40,000.00.
3. The maximum loan amount requirement may be waived at the discretion of the HRA
Executive Director for extenuating circumstances if the amounts authorized above are
insufficient to bring the home up to minimum property standards.
Contractor Proposals
The homeowner must obtain a minimum of two proposals for all of the authorized
improvements before work can begin, A Repayment Agreement must also be signed and
notarized before work start-up. All proposals must conform to the minimum standards of
the specifications. The lowest bid will be accepted unless customer specifies they are
paying the difference between the low bid and the high bid.
Work Contract
Work contracts will be completed between the contractor submitting the lowest
acceptable proposal and the homeowner. A copy of each proposal must be included in the
Work Contract and sliall be completed within the time frame specified on the Work
Contract. The HRA may grant an extension as needed. If the contractor does not begin
or complete the work within the time frame specified, the work contract may be canceled
and a new contractor selected.
Amendment Request Certificate
This form outlines all changes in the approved loan amount, either additions or
subtractions, by each contractor. It must be signed by the contractor and the homeowner
and approved by the HRA. Every effort will be made to keep amendment requests to a
minimum; however, it is appropriate to use the amendment request as a means of dealing
with unforeseeable circumstances.
Sworn Construction Statement
Any firm or individual contracted to perform work on the residence must submit a sworn
construction statement prior to any work taking place on the property. The sworn
construction statement must list all subcontractors and/or suppliers contributing to the
work for which the invoice is being submitted and must be signed by the contractor
holding the Work Contract. The contractor's signature must be notarized. The purpose
of this form is to ensure that the contractor holding the Work Contract is liable for any
failure to pay subcontractors/suppliers involved in the project.
Acknowledgment of Receipt of Pre -Construction Documents
The applicant's rile will contain a signed and dated receipt from the applicant,
acknowledging that the HUD approved information on the dangers of lead based
27
poisoning has been received. Also this acknowledgment states applicant received a blank
copy of a Work Contract, an improvement of work procedures form, a copy of the
Repayment Agreement, an individual data confidentiality statement, an authorization to
release information form and information on minority and women owned businesses.
Environmental Assessment
This form provides information pertaining to environmental assessment, historical
preservation, air quality, wetland protection, zoning classification, flood plain
management, hazardous facilities, noise, farmlands, and site source aquifers.
Repayment Agreement
The Repayment Agreement must be included in the loan package. As specified in the
provisions of the Repayment Agreement, the homeowner shall be required to notify the
HRA immediately upon the sale, transfer, conveyance or cessation of residency of the
property.
1. The Repayment Agreement provides that in the event that the improved property is
sold, transferred, or otherwise conveyed by the homeowner within the specified time
period, the homeowner would be required to pay the full amount of the loan within
ten (10) years from the date from the approval date of the application, if the property
ceases to be the homeowner's principal place of residence. Should the homeowner
retain the property longer than 10 years but less than 20 years, he/she shall pay an
amount equal to a 10% reduction each year after the 11`h year until the 20`t' year when
the full amount is forgiven. The Repayment Agreement is a lien on the improved
property, in favor of the HRA, as security for the loan amount. In the event of the
death of the homeowner, this lien may pass to his/her heirs provided they continue to
occupy the property as their principle place of residence,
2. The HRA will exercise extreme care in the execution of the Repayment Agreement
document to ensure that the lien is valid. Any inaccuracy or omission may have a
negative effect on the validity of the lien.
Prior to the approval or the loan package the HRA must ensure that the Repayment
Agreement is properly completed in as much as:
a. The property description must be exactly as it appears in the property records. If
the applicant owns property other than the property to be improved, only the
description of the property to be improved should be included.
b. The record names (the names exactly as they appear in the property records) must
be used by all signatures required.
3. The following is a brief discussion of the signatures required under particular
property ownership situations:
a. Any JOINT TENANCY --signatures of all joint tenants are required.
b. Property held by ONE SPOUSE -- signatures of BOTH spouses are required.
28
c. Property held in LIFE ESTATE -- signatures of the applicant (life estate holder)
and all of the remaindermen.
d. Property being purchased on CONTRACT FOR DEED -- signatures of the
applicant and all individuals who are aggregating their interest to meet the
ownership requirement; and the fee title holder (and spouse or others, as
applicable) of the property; and the signatures of any intervening vendees of the
contract for deed.
e. All required signatures must be notarized; including the "mark" of a signatory
who is unable to write (such a mark must be witnessed by at least two persons
other than the notary). Additional acknowledgments may be added to the
Repayment Agreement form to accommodate any necessary notarizations,
4. The Repayment Agreement will show the maximum loan amount. Should less than
the maximum loan be needed, the applicant will only be required to repay the actual
amount expended for improvements. An amendment to the Repayment Agreement
will need to be signed upon closure of the file where the exact dollar amount on the
original Repayment Agreement is not the actual amount used.
S. The Repayment Agreement and any Amendments to the Agreement shall be filed
with the proper recording office in such a manner as to create a valid lien against the
property. It is the responsibility of the HRA to record the Repayment Agreement.
6. If any loan funds are used for purposes other than an eligible improvement upon an
eligible property or if the homeowner application is found to contain a material
misstatement of fact, the homeowner shall be liable for repayment of all or part of the
originally approved loan funds. In addition, any Fraudulent use of funds may subject
the recipient to fines and/or imprisonment under the Minnesota Criminal Code.
Post -Construction Documents
Contractor Invoices
Invoices must be obtained from each firm or individual contracted to perform work on
he residence (a general contractor can submit invoices on behalf of a subcontractor).
Invoices must be provided for all payments, interim or final. Invoices submitted to the
HRA must be originals and not topics. Payments are typically processed the following
Monday providing that the invoice was received by 4:30 pm on Wednesday.
Lien Waivers
A copy of all lien waivers referred to in the sworn construction statement, plus the lien
waiver from the contractor holding the Work Contract must be included in the file. The
original lien waivers, which must be secured before any payment is released, are to be
passed onto the homeowner following closeout of the file.
29
Completion Certificate
The homeowner, inspector, and grant administrator should sign this form when the work
is completed. If the approval of more than one inspector is required, then copies of the
inspection notice(s) should be attached.
Complaint Record
This form should be used to document any complaints brought to the attention of the
HRA, pertinent to the administration/implementation of the program and the response of
the I IRA to the complaint
Acknowledgment of Receipt of Post -Construction Documents
After work has been completed, this form would be sent to the homeowner with
documents such as the lien waiver(s) and copy of recorded Repayment Agreement. The
homeowner would acknowledge receipt of the documents and return the form to the I -IRA
for inclusion in client's file,
THE REMAINDER OF THIS PAGE INTENTIONALY LEFT BLANK
3Q
PART IV: RULES
Lead Based Paint Hazard Requirements
The following procedure will be followed for all homeowners:
A. Discussion of the Lead Based Paint (LBP) requirements will take place at the initial
meeting with HRA staff as well as receipt of the Lead Hazard Information pamphlet.
The Certification of Receipt of LBP information will be signed by the applicant and
kept in the applicant's file.
B. The Rehabilitation Inspector will perform a visual assessment during the regular
rehab inspection. The Visual Assessment will identify the presence of any interior
and exterior deteriorating paint. The inspector will document the presence of any
deteriorated paint.
C. li' deteriorated paint is found in a home built before 1978 and lead hazard reduction
work may be needed because painted surfaces will be disturbed during rehab, the
appropriate level of lead testing and other action will be initiated. The HRA can also
assume there is LBP and treat appropriately rather than test.
D. If further evaluation is needed, the I -IRA will contract with a certified Risk Assessor
to perform the necessary tests to determine if and where there is a lead hazard risk.
The Assessment report identifies the presence and location of LBP and the areas that
should be addressed. Costs of hiring a Risk Assessor can be rolled into the Rehab
loan.
G. If LBP is found, the homeowner will be notified of the presence and location of LBP
by the HRA. As a condition of receiving funding, LISP hazards must be addressed
and lead safe work practices will be required for all rehab work that disturbs painted
surfaces. Appropriate lead hazard reduction measures must also be incorporated into
the Scope of Improvements. Clearance of the unit will also be required. A copy of the
clearance reports will be given to the homeowner and kept in the homeowner's file.
Repayment of Assistance
Repayment of the deferred payment loan shall occur upon the earliest of;
Sale, transfer, or conveyance of the property
The property ceases for any reason to be the loan applicant's principal place of residence.
At the time of repayment, the HRA will prepare and execute a Satisfaction of Repayment.
The Satisfaction of Repayment will be sent to the Title Company (ifone is involved in the
transaction), who will be responsible for recording the Satisfaction with the County. If a
Title Company is not involved the Satisfaction of Repayment will be sent to the homeowner
31
and it will be the Homeowner(s) responsibility to record the Satisfaction of Mortgage with
the County.
Deleted: q
Forgiveness of Indebtedness
Indebtedness of the principal shall be forgiven at a rate of 10% of the original principal
amount per year commencing at the end of the tenth year of the HRA loan. The loan will be
completely forgiven after the twentieth year. At the time of the forgiveness, the HRA will
prepare and execute a Satisfaction of Repayment. The Satisfaction of Repayment will be
recorded with Hennepin County by the HRA and a copy of the Satisfaction will be sent to the
homeowner.
Subordination Policy
A. The following information must be provided before a request for loan subordination can
be considered:
Current first mortgage balance, interest rate and term.
Proposed loan amount, interest rate and term.
Reasons for new financing and use of proceeds by amount. If financing will be used
for home improvements, specific information on the proposed home improvements
must be provided.
Good Faith Estimate
Copy of appraisal
TyTes and amounts of_any other indebtedness on property. Including balance, rate and
term
Household's verified income and size.
Full name, address, telephone number, contact pet -son and e-mail address of new
lender.
Date subordination agreement is needed (must be at least two weeks fi•om the date of
the request).
B. hlformation provided will be analyzed to determine the appropriateness of subordination
of the IiRA's mortgage. All of the following criteria must be met before subordination
can be approved:
All current and proposed property liens, including the Housing Rehabilitation Loan,
equal less than 95% of the appraised value of the property.
The subordination is necessary to refinance the principle balance of existing prior
liens on the property and will facilitate a rate reduction, term reduction and/or
principal reduction plus any costs to finance additional eligible home improvements.
No cash may be taken out as a result of refinancing. However, the fees incurred to
refinance will be an allowable expense.
All home improvements must be eligible under the Home Rehabilitation guidelines
and the homeowner is required to submit documentation of cost for all improvements
as a condition of the subordination.
32
Deleted: <#Most recent assessor's market
val„eafpropertAt
Deleted: q
Date IIRA loan was Fled with County and
document number.
The uses for the new financing must be justifiable as an appropriate use of public •------ Formatted: eulle€Pd + Level: t +Aligned at:
funds to warrant subordination of the public funding o-z5"+Tab ager: ns" + indent at: o.s'
The household income of the homeowner must not be greater than 125 percent of Deleted; ¶ J
current CDBG maximum income guidelines.
The borrower(s) must correct any errors and omissions relating to their loan as a
condition of the HRA granting a subordination request. This requirement would
include but not be limited to documents that are not signed (but the intent was to have
them signed), documents with clerical errors and/or documents that are missing or
destroyed.
C. If the above criteria are not met, the HRA will not subordinate its mortgage. The client
will then need to obtain financing that is subordinate to the HRH's mortgage, pay-off the
14RA's loan as a condition of the new Financing, obtain non -mortgage financing, or forgo
the additional financing.
D. Appeals regarding interpretation of subordination requirements may be made in writing
to the HRA's Executive Director and then to the HRA Board of Commissioners.
Requests for appeal which clearly do not meet the subordination requirements, will not be -- Deleted:,
considered.
Yundirl fpr EI11Cr eDCy tte lalr'S
The HRA will also set aside a portion of the budgeted rehab funds to be used for Emergency
Repair Grants. The amount of funds will be set by staff based on anticipated demand for the
program and balance of rehab fund. The guidelines Im Emergence Repair Grants shall be the
salve as those contained herein except as st]ecified in the Emerp,ency Repair Grant Prop,rarn
Suttlnlary (a separate document).
Modification and Termination of Program
The Plymouth HRA may amend the Procedural Guidelines from time to time by issuance of
revised pages, which shall be effective as of the date of issue, or such later date as the
amendment shall specify. Administrative memoranda may also be issued which discuss
policy interpretations, clarification of procedures and other administrative matters.
Deleted: Tnrge€ed
Additional,Proviisions _ Deleted: Funding Requirements!
I'Vlax€tnum L fan to Value Deleted: Eauily Requirement
The lien identified in the Repayment Agreement must he collectable. All existing - ------`Formatted: Body Text Indent 2
mortgages, contracts for deed, and other encumbrances, including the Repayment
Agreement, must not exceed 110% of the market value of the prope€ty.Market value will h Deleted:
be determined by the most recent assessed value of the property. If the homeowner has a
current appraisal, the appraisal may be used to determine the market value of the property i Deleted: q
if necessary to show sufficient equity. TI>s-requirement maybe waived - -thethe i---------n ---'-'---
1 Deleted: eequityoftheHRAExecutiveDirector.
s Deleted:q
4
33
C Previous Rehabilitation Loans
No property shall be eligible for a housing rehabilitation loan if it has been improved
with a Plymouth HRA rehabilitation loan within the 10 -year period immediately
preceding the date on which application for such a loan is made. An exception may be
made in extraordinary circumstances from damage to the property as a result of events
beyond the control of the applicant or relating to health and safety concerns, such as
failure of plumbing, heating or electrical systems, or as determined by HRA staff. in
such circumstances, provided that funding is available, the applicant can receive
assistance limited to correcting the damaged or failed system(s) only. No other eligible
work can be carried out until the full I0 -year period has elapsed.
Applicants with a previous rehab loan from over 10 years ago will be limited to essential
repairs such as correcting health and safety hazards or repair of major systems, such as
plumbing, electrical, or heating failure. Until the previous rehabilitation loan is forgiven,
no additional work will be allowed unless it is determined by HRA staff to be essential.
Previous Foreclosures
Applicants will be determined ineligible for future assistance if they had a previous
Rehabilitation loan from the HRA in which the assistance they received was forfeited due
to foreclosure of the property within the previous 5 years. if the foreclosure occurred
over 5 years from the date of the new Rehabilitation application and the applicant has re-
established their credit from a reliable first-tier mortgage company, they may be
considered for eligibility to the loan program again.
Total Amount of Assistance
The total amount of assistance received through the Plymouth HRA for all HRA
programs including the Housing Rehabilitation, First Time Homebuyer, and Emergency
Repair Grant Programs cannot exceed $40,000- This limit may be waived on a case -bey-
case basis at the discretion of the HRA Executive Director.
T
i
T 1 Deleted: ¶
4>current Ownership Pamenls¶ Home Maintenance and Housekeeping ¶
The homeowner must be current on all mortgage
Homeowner must be capable of maintaining the home. Loans will not be approved if thea- payments, Property taxes, income taxes and
homeowner's association dues.1
condition of the home demonstrates that the homeowner is not able or willing to properly--- — Formatted: Indent: Left: 0"
maintain a home- This requirement includes housekeeping problems as well as neglectful — ---
malntenance
ormatted:Indent: Left: 0"
Deleted:
1
Flood Insurance 1I
The administering entity will comply with the flood insurance purchase requirements of
Section 102 (a) of the Flood Disaster Protection Act of 1973, Pub. L. 93-234, 87 Statute.
975, approved December 31, 1973. Section 103 (a) requires the purchase of flood
insurance in communities where such insurance is available as a condition for the receipt
of any federal financial assistance for construction or acquisition purposes for use in any
34
area that has been identified by the Secretary of the Department of Housing and Urban
Development as an area having special flood hazards. The phrase "federal financial
assistance" includes any form of loan, guarantee, insurance payments, rebate, subsidy,
disaster assistance, loan, or any other form of direct or indirect federal assistance.
Local Codes
Each improvement must be made in compliance with all applicable health, fire
prevention, building and housing codes and standards. However, no application for a
loan shall be denied solely because the improvements will not bring the property into full
compliance with all such codes and standards,
Further, when work is done on any system within the house, upon completion of the
work, that entire system must meet applicable codes and standards. The entire structure
may still contain other systems that are not up to applicable codes and standards, on the
condition that no work was done on these systems.
Federal, State and Local Regulations
Nothing in the Procedural Guide shall be construed in such a manner as to conflict with,
alter, or amend any Federal, State and Local regulations.
Certifications
1. The FIRA is legally authorized and constituted to administer the Housing
Rehabilitation Loan Program in the State of Minnesota,
2. No payments, fees or remuneration of any type whatsoever have been solicited or
received from any applicants or qualified homeowners.
3. After reasonable inspection, the HRA has no knowledge that any improvement
covered by the loan is in violation of any applicable zoning law or regulation.
4. Any employee of the City of Plymouth who is authorized to sign or countersign
checks, drafts or to certify vouchers shall be covered by a surety bond of not less than
1,000,000; such an employee must be an authorized signatory as evidenced by a
written instrument of the governing body.
5. The HRA shall maintain documentation accounting for all funds received through the
collection of liens as prescribed in the Repayment Agreement.
Prohibition of Service Fee Charges
No applicant shall be charged any application, processing, or other fee, ------- Formatted: Level i
Cost Reasonableness Standards
1. To ensure that cost reasonableness standards as outlined in OMB Circular A-87 are
complied with, all proposed work will be described in a Scope of Improvements (see
page 22) in such detail that competitive bids may be readily obtained. The Scope of
35
Improvements will specify brand, type, and/or quality of the materials to be used as
appropriate.
2. Homeov-ners shall provide the Scope of Improvements to each contractor when
obtaining bids. A minimum of two directly cofnparable bids must be received for
each work item in the Scope of Improvements, Bids must specify brand type, and/or
quality of materials included aid must itemize costs For each item in the Sa}pc of
Improvements. Contractors ma7L suggest additional work needed and/or. -list optional
upgrades- but those items must be listed separately {i•om the Scope of Improvements
work items in the bid. All bids must be signed and dated by the Contractor.
iy Thc_IIRA Inspector will_use the Scope of Improvements when making inspections to +. Deleted: z
determine compliance with the Scope and City codes.
0Sweat Lquity
With HRA 1larneolvner, or other individuals acting on homeowner -',s behalhrt-- --i Formatted: Indent: Left: 0.25", F€rst line: 0"
ma>; perforin some or all of the improvements without compensation for labor. The _ _-
pe€tbrmerof the work must demonstrate ec}mpctcncc to the IIRA as to his/her skill and
ability° to perform specified vvork by a designated date. This may be accomplished by
means deemed appropriate by the IIRA on a case-by-case basis, and inay include
providing copies of professional licensine, conducting a verbal interview with a City
Ilousing Inspector. andior other methods. I10MCOWnel'S with a hisLo€-V or failure to
complete I}rcVio1rs construction work. or of non-compliance under City codes and
ordinances or the terms of this Program. will not be eligible to perform swregt e- tyii1y.
All purchases of 2roiect materials must receive prior approval 'from the l -IRA or they will
not be cliaible for reimbursement through the Rehabilitation Loan.
Counseling/ Training Requirements
Credit Counseling
Deleted: Additional
Those clients in need of credit counseling will be referred to Community Action
Partnership of Suburban Hennepin (CAPSH_,CAPSH is a non-profit 5[)I_c (3) __ - Deleted: in Hopkins
community action agency serving Plymouth and a number of other west suburban Deleted:
communities. Homeowners who appear eligible for one of MHFA's programs, but who
indicate they have a mortgage delinquency or other credit problems, will first be
encouraged to participate in a credit counseling program.
Aper credit problems have been satisfactorily resolved, the deferred loan applications can
be forwarded to Hennepin County Housing, Community Works and Transit for eligibility
assessment of MHFA programs.
Applicants for MHFA's Fix -Up Fund and Deferred Loan Program will be referred to a
local lender. All applications rejected for MHFA funding may be eligible for City
assistance according to CDBG guidelines. Homeowners unwilling to pursue counseling
assistance or who are unwilling to resolve existing credit issues independently will find
3b
City funding restricted to certain essential improvements. Funding for these applicants
would be limited to the following repairs in the priority given:
1, Emergency health and safety.
2. Public sewer and water hook-up.
3. Major structural work, where the home's structural integrity (i.e. foundation, beams,
walls and root) is compromised and is in need of prompt repair to prevent further
damage or deterioration to the home.
a, Major internal systems (i.e. plumbing, heating, water, electrical) that are functional-------, Formatted: Indent: Left: 0.25", Numbered+
but need replacement or upgrading under current code requirements. Other code level: i +Numbering Style: i, z, s, ... + start
violations,
s at: 1 + Alignment: Left +Aligned at: 1" +
Indent at' 1.25"
Deleted: 9
Home Maintenance and Weatherization'I'rainina
9
Clients in need of this training will be urged to attend, as classes are available. Funding
may be restricted to the essential improvements cued above for clients who are unwilling _._.- Deleted: s
to attend these or other workshops sponsored by Community Action Partnership of
W
Suburban Hennepin (CAPSI).
Human Service Counseliniz
Clients in need of counseling will be referred to appropriate human service agencies for
assistance. If the client refuses the refer7-al and staff determines counseling is required in
order to allow the rehab to proceed, no further assistance will be allowed.
Dispute Resolution
Ocassionally a party (homeowner or contractor) mals have a reason for disputing an HRA
action. fn the event that such a dispute does occur, the disputing pariy should submit hisfhe€-
comments in writing, to the Housing Program Manager with a request for action to see if the
problem can be resolved administratively,
I ['the uroblem cannot be resolved administratively Within a 30 -clay time period_ the disnulinr?
PartywiiI state hisiltur position, in wriling, to the I IRA's I lousing Program .Manager. I-IcAlic
may request that the issue he placed on the a_end a of a reLularly scheduled I IRA meeting or
may, he heard by a designee(s) of the VIP -A. The party will then be PliVen the o )ortunity to
appear before the HRA and request secife action to resolve the dispute. The issue will be
nut on the agenda within 30 days of the date the W-rittcn rcaucst vas submitted to the
Administrator.
THE REMAINDER OF THIS PAGE INTENTIONALY LEFT BLANK
37
APPENDIX A: DEFINITIONS
Accessibility Improvements
Improvements to a dwelling, designed to enable a disabled person to function
independently in a residential setting, such as provisions for adequate space for
maneuvering, access and egress, (both in exterior and interior spaces), and installation of
equipment to facilitate ease of use.
Applicant
An individual or household submitting an application for a loan
Application
The form used to request assistance for the City of Plymouth's Housing
Rehabilitation funds.
Assets
Cash, bank accounts, bonds and cash value of insurance policies, cash value of
recreational vehicles and any other personal property excluding automobiles, clothing
and furniture.
Calculation of Need Form
The form based on similar information and calculations as developed by the Minnesota '
Housing Finance Agency in the use of their Rehab Loan Program and funding guidelines.
C' --SH--------------
Communily Action Partnership of Suburban Hennepin. A non-profit agency working in
all of Suhurban Hennepin County to assist low-income people with services to
individuals through outreach, energy assistance programs, homeownership services and
Financial counseling.
CDRG
The Community Development Block Grant Program, an annual entitlement program
provided to the City of Plymouth through the U.S. Department of Housing and Urban
Development (HUD)
City
The City of Plymouth
CEE
The Center for Energy and Environment, a non-profit agency that administers Reliant's
Weatherization Assistance Program,
Date of Loan Approval
The date all required parties sign the repayment agreement.
38
Deleted: <N>Colculation of heed¶
The calculation derived by dividing the total or
fixed monthly expenses by the gross monthly
income. rf greater than 55% the homeowner is
eligible for a housing Rehabilitation Deferred
Loan.¶
Formatted: Normal, Indent: Left: 0" _
Formatted: Font color: Black
Deleted: AS
e Uebt-to-lneome Ratio
The debt -to -income ratio WTI) is derived by dividing the total of household's tiled
monthly, expenses b\ the household gross monthly income.
Disabled Person
A person who has a permanent pbysical condition which substantially impairs the ability
to function independently in a residential setting, or which substantially limits the ability
to become employed or to participate in the community. A person with a condition such
as chronic emphysema, arthritis, heart disease and other "invisible" conditions not
requiring the use of devices to increase mobility shall not be deemed a handicapped
person, unless a Iicensed pbysician verifies in writing that a particular condition does
substantially limit the ability to function independently in a residential setting, to become
employed or to participate in the community.
Elevated Blood Level
A lead content of 10 ug/dl (micrograms per deciliter) with a lead content of 20 ug/dl
micrograms per deciliter) in one test triggering an inspection.
Emergency Situation
A condition requiring immediate and urgent attention, which threatens or imperils the
health and/or safety of the applicant household, such as the failure of plumbing, heating
and electrical systems or a system being "red flagged" by a utility company. The written
opinion or the City Building or Housing Inspector detailing a code or safety violation or
violations may, at the discretion of the I lousing Specialist, be an acceptable definition of
an emergency situation.
Guidelines
The set of standards, criteria, and specifications to be used in administering the Program.
Hennepin County Housing, Community Works and Transit
The Hennepin County Housing, Community Works and Transit; a Hennepin County
agency that processes MI -IPA housing rehabilitation loans.
Household
All persons residing in one housing unit; which may include one or more families, a
single person, a married couple, or two or more unrelated persons.
Household Gross Income
The annual income of all residents of the applicant's household, as determined in
accordance with these guidelines.
Housing Rehabilitation Deferred Loan
The commitment of funds on behalf of qualified homeowners for the purpose of making
eligible improvements to eligible properties.
39
HRA
The Housing and Redevelopment Authority in and for the City of Plymouth, Minnesota;
which administers Plymouth's Housing Rehabilitation Program.
HUD
The United States Department of Housing and Urban Development. The principal
Federal agency responsible for implementing certain federal housing and community
development programs.
Lead Based Paint
Any paint surface with lead content greater than, or equal to, 1 mg/CM2, 0.5% by weight,
or 5,000 parts per million.
Loan,pocuments Deleted., Process
Consists of all applicable documents listed as follows:
Homeowner Application for Defemed Loan
Authorization to Release Information
Individual Data Confidentiality
Lead -Based Paint Poisoning Notification (if applicable)
Federal Income Tax Returns for the two previous years
Income Verification
Asset Verification
Recent Bank Statements
Mortgage Status Verification (if applicable)
Association Dues Status Verification (if applicable)
Title Verification
Property Inspection Report
Scope of Improvements/Work Proposal
Contractor Bids
Work Contract
Amendment Request Certificate (if applicable)
Contractor Bills
Sworn Construction Statement
Lien Waivers
Completion Certificate
Data on Individual Loans
Repayment Agreement
MHFA
The Minnesota Housing Finance Agency; a Minnesota State agency that administers a
variety of housing rehabilitation loan programs.
Mortgage
The conveyance of an interest in real property given as security for the payment of a loan.
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Program
The l -IRA's Housing Rehabilitation Program
Homeowner (borrower)
An individual or household meeting the requirements of the Eligible Recipients section
who receives a loan.
Repayment Agreement
A document that places a lien against borrower properties improved with program funds.
The precise terms of the lien are spelled out in the Repayment Agreement.
Resident
A person, other than a renter, living in the household for at least nine months of the year.
Satisfaction of Repayment
A document releasing a Mortgage lien, indicating the borrower has paid the debt in full.
Work Contract
A program document executed by the borrower and the contractor which establishes the
terms and conditions under which program funded work will be carried out. The HRA is
NOT a party to the contract.
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