HomeMy WebLinkAboutHousing & Redevelopment Authority Packet 02-20-2003STAFF REPORTS MEETING OF FEBRUARY 209 2003
CITY OF PLYMOUTH HRA
AGENDA
PLYMOUTH HOUSING AND REDEVELOPMENT AUTHORITY
THURSDAY, FEBRUARY 20, 2003 7:00 p.m.
WHERE: Council Chambers
Plymouth City Hall
3400 Plymouth Boulevard
Plymouth, MN 55447
CONSENT AGENDA
All items listed with an asterisk (*) 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. APPROVAL OF MINUTES
3. CONSENT AGENDA*
A. Plymouth Towne Square. Accept monthly Housing reports.
B. Approve the Section 8 Management Assessment Program (SEMAP) Certification
Submission.
C. Approve request by Hammer Residences for CDBG funds.
4. PUBLIC HEARING
A. City of Plymouth. Public hearing on allocation of funds for the 2003 Community
Development Block Grant Program.
5. NEW BUSINESS
A. Plymouth Towne Square. Issue general obligation housing revenue refunding bonds.
B. City of Plymouth. Proposed revisions to the First Time Homebuyer Program
Procedural Guide.
C. City of Plymouth. Proposed revisions to the Rehabilitation Program Procedural
Guide.
D. City of Plymouth. Discuss Stakeholder's Input on Strategic Plan.
6. ADJOURNMENT
wme owUmud .
To: Amro Nudburt a an flames
F.om: Kaft Bowen. NmhagbM Obador. PVmouth Towne Square
Date: FdmM 13.2003
RE: PTS Mardbb Report for January 2003
Fdwuwy Newsletw and Febnrary Calendar 1 a - p- 1 d
In Jammy. do om*b in apardna t 317 passed await wlhbh 12 days of each other:
1 The fanny wll vacate their apartment by Febnrary 1 Couplea wll be carted to ill this
twotedraom spartment Addliorelly. arra of our nswo residents passed away In the
middle of Jernrary. Fos We wll remain in their Wm4edrwn aparbnerd for.how.
Pah.motaan CoW.Clearhms cleaned the carpet in ap mbnent 102. The I I
I - Rowh
had to bs reI loos
I
k is pabhted and ready to be aocupied. A single resident from a two
bedroom will move into 102. Her tr.otedroorn (131) apwbrmd was shown and netted.
This apwbnmd was pairhte
I
and all the RoorbW in the opara.re.d had to be replaced.
Our new Part -tete Caretakers (a ammle) Waved in and started to work the middle of
January.
Plant Opus fns
Sftman Becbta was here to add outlets on both sides of Me gland staircase and also
kaftlied an. outlet in the w du softerm room. Coat - $3111.10. Two end tables and
Imrhps wars purchased and placed near the new outlets to provide the .eaidmhts wlh a
place to sk and read treir mal. This simple addition has brought tarn into the oiRce;
faft ard , V I a a A q Vm*
Owen's canna to install the verMallon in the Party Room. The wiring was done War.
Coat - $2.188.
N—..
3 A.
Dan Mdit vwss hue to mpair a leak in a pipe above the water head AD the water in
tha bul trp, was doff of fordo moth Cost - SOL75.
Owen's canoe tothe o piMrole leak in foo radiator pips in a eeocnd Door apartment
cam.- S3o 2(L .
Resident services
Vdw teens helped to take dam the Christmas oacoebons an Jaramy do
Noon Lunch was an the ti01 and Gd Tagsdoer was an the 15°1.
Accordion music and a sft dxn_o were presented on January i r by Bob Yzerman.
The Resident Mes" vas an January 2r Jody and Jim attended. Bath December
and January birthdays no mated.
The I a 'to I on the Or was a French Toast Breakfast sponsored by Grana
Mana genoent to celebrate their gnat year of service to PTS. Gens Grace erItorMA' r a ors
an the piano:
N.,
PLYMOUTH TOWNE SQUARE
BALANCE SHEET
DECEMBER 31, 2002
CURRENT ASSETS
PETTY CASH
CHECKING — OPERATIONS
SAVINGS—SECURITY DEPOSIT
Am — TENANTS
INTEREST RECEIVA6LE
PREPAID WORKERS COUP
PREPAIDS —OTHER
TOTAL CURRENT ASSETS
FIXED ASSETS
LAND
LAND IMPROVEAENTS
BUILDINGS
FURNITURE,.a EQUIP—GENERAL
FURNITURE 8 EQUIP—NSKPG
EQUIPMENT—COMPUTER
ACCUMULATED DEPRECIATIONo
A/D TURN A EQUIP—GENERAL
TOTAL FI:YED ASSETS
NOH—CURRENT ASSETS,
INVESTMENTS—CONSTRUC FU4E
INVESTMENTS—WORKING CAPITL
14 INVESTMENTS—DEBT SERV FUND
INVESTMENTS—CAPITAL IMPRV
i:NESTMENT — POOLED FUNDS
UNAMORTIZED START—UP COSTS
UNAhORTIZED ORGANIZ COSTS
ACCUM AMORTZ—ORGANIZ COST
NON-CURRENT ASSETS
TOTAL ASSETS
1 '%.1
500
56,883
36,619
3,117
59,208
169
600
459,247
57,648
5,652,875
181,045
5,043
7,659
1,708,582)
iS,373
449,520
5",043
235,748
T0,000
2,930
155,167
93,187)-
15?,116
4,654,935
1,392,594
6,204,645
PLY140UTH TC 04E SQUARE
o BALANCE SHEET
SCE qm 31, 2,002
LIABILITIES%
CURRENT LIABILITIES
ACCOUNTS PAYABLE TRADE 29,661
ACCRUED INTEREST 69,533
ACCRUED REAL ESTATE TAX 15,476
ACCRUED MISCELLANEOUS 2,.124
ACCRUED:SALARIES#' 3,067
TENANT SECURITY DEPOSITS 34,781
r• TOTAL CURRENT LIABLITIES_~
LUNG TERM LIABILITIES
DEBT SERVICE x,186
BQMDS PAYABLE 4,766,750
TOTAL LONG TERM LIABILITIES 4,770,936.
TOTAL LIABLITIES
EDJITY:
CONTRIBUTED CAPITAL 1,000,000
PARTNERS' DEFICIT 185,267
RETAINED EARNINGS 44,2285
TOTAL EQUITY'
CURRENT YEAR INCOME (LOSS)
TOTAL LIABILITES 8 EQUITY
154,642
4,925,578 `
1,229,552
49,515
6,204,645
aaam
e
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now gawlEs 7,511 1,104 7,117 66.1 10,70 71,700 6,111• 17.1
s0lMslallu "to 7,041 7,061 100.0 11,70 71,70 W.0
afoul= 61110111 7,107 1,616 1101 171.61 71,101 77,000 19 6
Mfur14 WHO I0 101 INA 1,100 1,s0 10.0
IOlOKE NM1111 No 1,63 604 61.0 1,111 70,101 10,60 t.s
NOIOO/1010)4 IN IN 10.0 7,00 7,00 INA
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10161. KN0o9L E91EOt1 6,171 10,119 6,171 71.7 67,711 101,776 11,111 71.1
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OLOKIIILIOE M M INA 32 100 0 16.0
furnm 117 s0 lost 11.11 6,176 6,077 11141 111.11
LENT 6 091 K01INn6k 11 11 100.0 700 IN WA
WIII/IN 011111 is 170 0 11.1 1,100 6,700 7,34 11.1
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a moot #1111 1,60e I,M 61.000 11,00
Falialwitaw NLIIEn 61 is Ia.s 046 1n 311 17.6
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O 011.11196.010 1 K1[4 14 its 107 11.1 0,161 1,664 2.0 ltd
0rllllll8.8N 1,711 100 1,191 11.1 71,776 M.M 11,164 41.1
IOI6 nIL1IIl8 4,171 1,171 4.64" 0.8 46,144 11,117 14,144 11.8
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WRl[8•a4[14L 710 710 100.. 177 7,100 7,001 10.1
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too KA 001 407 116 341 11.4 4,111 9,006 4,749 41.2
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0,271 11,74 1711 111 14,70 711,117 11161 111
1.111 11,110 71,010 7,!00 16.7
11,111 27,651 161 1 70,17/ 276,uo 17,1111 11.01
17,0111 011 7,111 111.1 1,111 11,100 7,017 11.1
27,717 71,111 7,027 11.6 3416,111111 70,010 T,af I
a,lft 16,110 1,651 11.7 ta,m 616,101 01,40 10.1
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EI NEPAL aaeu 64,5" 07,117 07.131 61,"1 61,711 10,0% 07,001 If^ 65,10 60,610 61,160 67,111 111,551
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FOR 110 VISA EIKI IECERIEI 31, 7007
JM FEB ISA AM MV IN At 1106 SE/ OCI • SAI Ke VII
10EMIIII 111101
F[rA L EUEASEII
RMNOEI MLSAI1/ 7,170 7,301 7,50 1,413 1, Sit 7,411 7,535 I,m 7,413 7,59 1,413 7,91 30,781
M111E111a MAIIEI 1,130 1,600 1,117 1,670 1,117 1,173 1,138 1,111 1,114 1,117 7,511 7,105 17,001
11iL01EIIFIEF118 761 311 1,711 150 W 1,711 433 167 971 170 974 m 0,141
OW KNOIILI COSTS NI 101 N 710 NS 150 ISO 175 ISI 316 365 110 7,504
TOTAL KRIOMEL EIKIM 5,017 1,311 1.91 5,716 5,671 $,IN 4,116 5,733 5,115 5,111 6,751 6,651 61,111
FRO ITT A0111161a11011
OFFICE RWLIEA A E10111111 3Y 60 10 0 M 31 111 100 111 711 111 • 71 1,135
Sm Doug 61 N H 1111 71 71 11 76 33 716
COPIER LIVE 137 N N 9I N 745 IT N N 97 N N 1,373
SUIT AE9AISAPoAI11/l[AM 131 IY 153 154 16 106 3:6 156 ' 151 111 ISI 1,511
IDES A SUMMON 12 48 60
ERMIFE 11LEAR 1 11 Is 37 Fi
TILEFI0IE . 94 570 555 603 510 SIO 197 5N 630 f37 II 345 6,976
AUOII/TAI FEES 300 • we 300 w 300 100 1,100
t1amSEI, KNITS 1 NEO 13 111 571
1MAEiENEW FEES 1,000 I,ON I'm 1,000 4,000 1,000 40 I'm 5 4,00 4,000 4,000 11,000
FOSfAKIOTIMIEIIIELIKRT 767 44 31 14
92111106 357 151
0E9101.0 IEIVICEI EIKISE 176 717 K3 706 111 35 391 143 35 111 413 N7 3,611
Talk "If ANIIIIIRAI101 5,113 5,109 5,074 5,310 us 1,111 5,780 5,153 3,111 6,151 5,614 6,031 ul III
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CUMINi
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CIOAIN 31/IL1U1 42 21 11 IS t1 Im IN o31
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MIIIaN1n IN Ill I,m4 1,613 4,166 I'M 7,610 3,167 117 1,141 70,706
111511 KIM MS 311 111 311 136 0 Ul sM 400 007 407 4m 4,151
LAM n tf#LVI KN1k 151 1,514 171 011 010 146 141 7,714 11111 521
IOIAL KnIM 6 mill 7,600 7,452 1,159 0,541 11,011 1,911 70,w 1,411 1,526 17,052 1,610 10.071 m,m1
v'
R9alm IOOIE MM
IROE IMRQNI
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KMECUI1mMEII I IOI IOII
OEIIECIIII01 16,000 It,000 11,000 1/,000 11,000 10,000 10,000 11,000 16,000 16,000 11,000 16,000 716,000
MERl1AfIMl 271 211 271 271 271 21/ 119 211 711 219 1/1 211 S,m
E016L IEIAEC/MEIII 10,711 11,271 16,279 11,211 19,211 18,1/9 19,114 11,119 11,119 111119 16,119 11,2/1 2","1
101p/111EIE01/1671RIILEI
M911ENI IN LIEU Of 1101 fill 1,131 1,711 1,151 1,121 1,111 1,151 1,151 1,751 1,171 1,711 17,010
111110 III E3MISE 73,110 13,111 73,111 23,IM 111 13,170 76,210 13,179 13,111 Ile 11,651 71,659 110,111
MOMI19 I1sU1 [E Vol Vol 911 Vol Vol 991 991 911 991 Vol Vol 11,0131 9,331
107AL f00ES01111115 71,119 21,111 15,170 71,170 15,170 15,00 79,7" 72,170 25,110 12,110 21,316 397 101,70
101AL 01EIA1116 EI1EWS 61,J6S 21,251 63,211 69,712 11,091 16,09 0,161 66,611 61,3" 11,103 67,967 68,139 790,701
III OM111111 flow 17,951 12,161 1,0111 1,519 11,7611 93 11,9101 6,631 11,193 1,1911 5.932 7,716 99,213
TOW" E CRIE'R'
FAmaM 20M
Do
oo o ids@
10 0
O•
o
r•'
tl
go-
q0
QO r r
p
NOON LUNCH
February 5h
MENU
Meatloaf
Cheesy Potatoes
Fresh Green Beaus
Coleslaw
Monster Cookie
Tickets - $5.00
GET-TOGETHER,
February 12t"
Yanshani and Shuxian
Will be preparing a Chinese Dinner
for you.
Tickets, will: be $5.00 and willo on sale
February 70'. & 8
D
J
DID YOU KNOW?
P*,
M Chuck Pursley our tax man, will be here again in March and April to do your
taxes. TME IS NO CHARGE. Sign up on the bulletin board. .
V If your income has changed (up or down) by more than $50 a month, you
must let Kathy know so she can do your recertification over.
V The office always has post cards of PTS for sale - cost is 050 each.
r If you pay your rent after the
5d'of the month there is a S 15.00 charge.
W The PTS camera is missing, so if you have an extra one around your
apartment, check with the office to see if it is ours.
VCR copies of the monthly Plymouth City Council Meetings are in the
library.
W The Guinness Book of Records holds the record for being the book most often
stolen from the public libraries
r A carpenters level was found in the garage and is in the office to claim.
r Yanshan and Shuxian give classes on T'ai Chi Chih every Monday,
Wednesday and Friday at 9:30 in the Activities Room.
r Whenever President Hoover's family did not want to be overheard by the
Whitehouse guests, they would speak in Chinese.
r Current Cards will be going up to 75¢ from now on.
V Mr. Potato Head was the first toy to be advertised on American television (in
1952 on Jackie Gleason's TV show).
r Chinese New Year is February 1$ .
V If you are bothered by those annoying telemarketers who lice to call at dinner
time, here is the number to put you on the "do not call list" —1-800-921-4110.
r For the correct time and temperature call 612-673-9050.
GREAT FRENCH TOAST BREAKFAST -
THANKS CLARICE AND HELPERS.
THANK YOU ALSO, GRACE NVIANAGEMENT
FOR SPONSORING THIS EVENT.
AU residents of " are invited to a V'atentta l Tardy .
OD Frld@y. February lea'
o.
It 100
efreshmnts served - V'alentlne Card exp
Wig
Welod XAme 9WFrankMOWtmpersonatior).
IF%
Valentine's Da
Nobody knows exactly about the origin of Valentine's Day and its customs. the
most popular theory is that it is named for a priest of Rome, named Valentine. He
was imprisoned by the Romans around 270 A.D, because of his Christian beliefs.
Prior to his execution, he wrote a note to the daughter of the jailer and signed it,
Your Valentine." He later became known as Saint Valentine.
It is thought some of the customs of this day originated from the Roman Feast of
Lupercalia. This was dedicated to the pastoral god, Lupercus and the goddess of
love, Juno. Roman maidens placed their names in c Ae urn at the town square.
Roman bachelors placed their names in another. Er ; hen entitled to draw a
name and select his or her "blind date" for the comms; y-'.
t
FROM THE RESIDENT HANDBOOK....
Although we have a relatively soundproof building, we ask you to be
considerate of your neighbors (above or below and next door) and limit
unnecessary noise before 7:00 a.m. and after 10:00 pm. "Noise" would.
include, but not limited to: loud television or music, vacuuming, and loud
talking or company..
SPECIAL MUSIC
Paul Heffron and Don. will be here
to entertain you.
Tuesday, February 25
1:00 P.M.
M
As many of you have noticed there is a r in the comer of your
rent envelope. This is to remind you about Hearts and Memorial.
It is a voluntary act you may do to add a $1 (in cash) or whatever
you wish, in with your rent. This money is collected for two
purposes. The first purpose is to give a memorial of $25 for a.
resident, spouse or child that has passed away. The second is for
a gift of flowers from Dundee Nursery, for a resident who has
returned from the hospital or nursing home.
February Month
Birthstone — Amethyst
Flower — Violet
olor — Light blue and Yellow
J
JA
FEBRUARY BIRTHDAYS
MEL WWOOP 6 Apt. 213
THELMA PAINE 7 Apt. 227
SHIRLEY RUNDE 7 Apt. 109
MARVEL JOHNSON 8 Apt. 226
JIM GRANGE 11 Apt. 220
DOROTHY LEUER 18 Apt. 211
BEVERLY LEACH 23 Apt. 105
EARL LUND 23 Apt. 221
PAT LAM[BIE 24 Apt. 132
BRENT OLSON 24 Apt. 101
DAVID KATSNELSON 25 Apt. 2.18
JEAN VON ARX 27 Apt. 326
JODY WYNKOOP 28 Apt. 213
r; a
4
February 2003
Monthly Planner
PMrd by CWnrur Gars Phu an 01/701100]
JanuaryHoreb
R M T W T F R R M 7 W T F R 6:00 Pld Cards (Sao.)
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0 &nice 7:00 PM BINGO mllumm9130 12:00 PM NOON Coffee
AM Club LUNCII 7:00 PM BINGO
GROUNDHOG DAY 3:00 PM Cards(Tue.) 1:30 PM 3/13 Cards DR
HAPPY FOOT FORT CARli
9 10 11 12 13 14 15
9:00 AM Chumb 7:00 PM DINGO 9:00 AM Dia1.A.Ride 10:00 AM Rible Study 10:00 AM Resident 1:00 PM VALF.N• 6:00 PM Cards (Sat.)
Service Jfeee1'shaar 1:30 PM 3/13 Cards DR Ca/lea' TINE'S DAY PARTY
9:30 AM Men's Club 5:30 PM GET 7:00 PM IIINGO
5:00 PM CardgTue.) TOC.ETIIell
16 17 18 19 20 21 22
9:00 AM Church 3:00 PM SC11 WAN'S 9W9 AM Dial•A.Ride 10:00 AM Ilible Study 1Q:00 AM Resident 1:00 PM Cards (Pri.) 5:30 AM - 10:00 AM
service 7:00 PM RINGO U2990uhm 1:30 PM 3/13 Cards DR Coffee PANCAKE.
PRFSIDF.NTS' DAY 9:30 AM Men's Club 7:00 PM IIINGO 1111KAKFAS I'
5:00 PM Cordb(T'ue.) 10:00 AM Blood Pressure
6:00 PM Cards (Sal.)
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9;W AM Church 7:00 PM BINGO 9:00 AM Di7UA.Ride 10:00 Awl Bible Study 1:00 I'M IIF.SIBF.NT 1:00 PM Cards (Fri.)
Smice e mm 1:30 PM 3/13 Cards DR MP.I IIING
9:30 AM Men's Club 7:001'M BINGO
1:00 PM SPECIAI. NO AM 0111Fr:J:
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36.
CUYOFPLYMOUTH
MwPLYMO MBWfZVAMPLYMOt=MN wa
DATE: Feb=y 7.2003 fir Haaaemg and Resbevelapmma Anthmity Naft of Febtttmy 2% MM
TO:. ftmv& Hmft wdRe&vkpmftAu*A+b IL
FROM: Paula Dom. Hatift Admioisaamor 11 81 Atme
AA rLve Dieectar
SUBJECT: Schon 8 Mmettgemem Assatmem Program (SEMAP) Cadfimdm
Tice US DepmamM of Massing and Urban Development (HUD) has c"Med the Section 8
Mmagamol Assessment Program (SFMAP) to mosm public honsin8 "my pufamum in bey
Secdm 8 pmgmm turas, eochtiag HUD to idemify dee. MRA's Ganem =pMWu cad
1. R " ,ss. SEMAP catifimm are reared in be Witted Por eccb fiscal year. within sixty
days of the.ymend. This wM be nor G I yw mft* ting a.SEMAP Catific@o.
SEMAP reg,' , the HRA to ccv* its pafmtameoe nada fiuutem ditRrem indicatorm the
itdicat rs ata i PIP W, @om the waiting be. w asomable rm % mon of atusted iacomm0.
ul ty allowance scbedule, Ham Q=ft Sftxbrb (HQs) qwft coaaol d HW
amfiaoaoem, agemding bossing appma , Fair Matter Rat (FMR) limas and paymem
stan&tds, 4111311301reeaa>mmdons, ooeeat tenant rem sslcttlaflom Psaoos ct H% imptt w%
lose -tip. and fimn?r sdfrMfadmoy (M) emOWAMt The last indictor of FSS eorofticm is net
applicable in Plymmuh, as dee HRA is not segstired to adminisoer as FSS p moan, ba dms so
vohautatly. m addit= a the fou lm indleatots. we bonus
indiatoa:
Teo of the h dimams nee verified ibaoogh HUM Mol&Tcu= Characteristics System ff =) aid
av ammnd audit MICS is the system tI Sl which we elecmaimlly submit dame to HUD on a
mombly basis. The Sour indictors requite &a the HRA condm a very limited quality
coonal samPliag aid I Demise Hm. SWM Saviors Mwager, pawed dile quality
control mmvft Her fimfwp were dot S am of S files reviewed as m A that the qpkxm was
s dacted fiv admissan in 1 m m n 11 nix wft av sde cd policies; l l am of 11 files reviewed showed
men I I no reasomblmess followed dee MRA's written procedures; 11 out of 11 files
reviewed snawed that a carat detesmiem . of 9* ted imam was made; and 8 our of 8 fibs
reviewed Wkmad that the HRA toot the proper steps in ibllowmg-up an Diled HQS m
HQS complimmucia
Safi bas completed the oatifiaum Ram to accmw* mfiect the qv tier control smepk. rami
wA% and am MICS dams The caWinfi n mast be appoved by HRA Board raohuioa and signed
by the HRA Chair and Ea a ave Dbeetm: Wdbin 120 days of cur yearend. HUD will seed m a
SEMAP profile that will cammin the HRA's SEMAP setae and overall pafommoce rating. We are
eligi'bts: fitr a maximm tool of 125 p int% plus the S jWm beams indicaw.
We eipeet to soots amaad 120 vMMA mum qmm m m a higp 0 igboullpsoracy.1nat
pseoi n - -of submitting a SEMAP Cad6eadou a+e sooeed 120 out of. posse le in ponies, pias
the sloiat homikk i %ics- eating m m a padsenriag homing agency.
I reeo>ommd. dothe. HRA Hoard adopt the summed resolution @M OW<Dg far i l l - F tido
the Secdm 8 .Program Cwdleatim Por mhuiuim.b HM
r)
0
NM RSSOLUTWN 200343
APPROVM MID S110B<.LTM 'IMZ SEMON 8 MANAGEMEM ASSESSNZI#rr
PROGRAM CBiCIMCATION FOR ELSCAL YEAR ff4MG DECWIIUER 31, 2000.
WHEREAS. tba US Deparmm.of Housigg and Utbaa Devolopme t (HUD) has edmbadmd the
Smart 8 blsoagsamt Ahem Pr 1 ga . to objectively evahpme dousing agony
afthe Semon 8 teo=4 axed pwgam; said
WHEREA.% doff bas a m&v ted a qubly control sample of film elace m caft submitted
mooft tmem data to HUD, dad eo kdepeadem auditor bas aoadocI l as audit sample of tmem
filmould
WHEREAS, staff bas : ampkW the Sub= 8 Maoagmomt Asim Ptogam cadficaum
U* sod accurstdy far the fiscal year coding December 31,2M
NOW, THEREFORE. BE IT HEREBY RESOLVED BY THE HOUSMG ARID
REDEVELOPMff AU MORt1Y OF THE MY OF PLYMOUTH. IKOTA, that the
evmoriQ approve dad autborim otic HRA C ok and Encufm Director to ateeate the Secfi m
8 Maoagmmt AssC=== Prop am Catif cation for fiscal year aWWg December 31, 2002. far
bmhdm.mHUIX
Adopted by the P4rmoatb Hwft and R+edevelopmmt Authority an February 20:.2003.
L
CITYOPPI.YMOUTH
3400PLYMOtITHBOULEVAPAPLYMOUTKMN :5047
DATE: February 12.2003 f br Housing and Redevelopment Authority Meeting of
February 206 2M
TO: Plymouth Housing and Raedavelopoicut Authority
FROM: 11a0y Jorma. lam 9peeialiat. tmougA Gua. Housing Progmio Maaaga and
Am- W&M Executive Director
sOBJBCT. CDBG onding - Hammer Residences Awastion
BACKGROUND
Ova the Past few yeaz% the tatty of Plymouth has allocated a percentage of its normal
Community Development Bioct Grant allocation to an Affordable Hann Dcvelopmmt
Account The intent of the Able Housing Development Account is to assist with
development of affordable rental ad/ or owaa oao;iod housing units. These funds are
allocated on a first-come 5zst-serve basis until funds are depleted.
171 . 11TH Ifs:,
Hamm Residences has admitted an application for the installation of an elevator at the
Goland Hour which a hated at 1530 Garland Lane North. Hammer's Garland bouse currently
saves Ow severely disabled low-income clients, two of wbxb lave severe mobility issML
Since tha house bas three levek an elevator is necessary to allow the residents full access to the
home. Hammer bas requested 500.000.00 foam the MG funded Affardabh: Housing
Development Accoun% with a minim ms request of SA000.0(k If the HRA provides funding at
the leaser level. Hammer Residences will provide the additional fim&n for the project through
fimdiaishig and/or operational dollars
Every spring the Department of Hammg and Urban Development (HUD) reviews the
per6oetoenoe of each entitlement community to ettstme that its CDBG assisted activities are bang
eeaied out in a timely maamer. To decamine perfa zosom commmitia are required to meet a
aped down ratio which is 1.5 times the etifitlemoft grant amount for that yea by May 2e°.
Thus, by approving the request foe Hammy Residencm m additicm to maintaining as affordable
house ibr four disabled hnwincome clients. the HRA woold aim help to ussm that the City
would meet its required VW down ratio by May 2.2003.
r l r„ommead *0 the Pdrmootlt Ifolu g and isedewelopment Aulbo iq+ BDad of ,
c on aae hndio6 hrdo elevator prajet at the Garland aoaae °
as Dalt,,' in Ilte aged Beaobdlm _
1. Rmoladon 20" ' 1
2. 8sammer RRaideoces AppI —ian Rr Devdopo t' Redeidopmeot
karma R ewom e
2
MEN
HRA REMLIMON 2003.08
RECOMMENDING FUNDING TIM ELEVATOR MTALLATION PROJECT AT THE
C GARLAND HOUSE
WHEREAS. ft Qty of Mvmoolh mmved 5321.000:00 m Cammmity Mwdoposmt Bloat Grant
CDBM fmfmg Por fitcd year 2W% and
VAMMEAS. the Qty of Plymouth has unbent CDBG finding in ft A@bzdable &mug
Davdapmmt Account fir filar Star 2002: and
WHEREAS. the Housing and Redevelopment Autleovity of the Qty of Piymusth has determined that
funding the ale-, dw installatim p eject .at the Garland Houle is an appropriate wo of Comnanity
Devdopmeot Block Guam finds in a000rdasoe wish federal gpi and the. CiWs HUD approved
Cantolidated Plan;
NOW. THEREFORE. BE IT RESOLVED BY THE ROUSIM AND REDEVELOPMENT
AUTHORITY IN AND FOR THE CITY OF PLYMOUZ L NMOMORA. " the Au&mty
approveusing ntn, - CDBG findwg in the Affadable Housing Devdop*W Accent for fiscal
year 20M to find Nle devator inset lefim p wjeat at the Garland House in the amount of S3Q.000.00
witb apnjact ooh date of1day 2.2003:
Adopted by the Plymoulb Housing and Reftvdqmnm Authority on February 20.2003.
ME
Plymouth 2002 bw . Development Block Grant
Applieatlon For Deydopmentf Redevelopment
sda t to Pbrmaalh HRA. 3400 Pbmueth Mt. .Pb 11. MN 554471482
nun: Ty HRA
30-5416 Fac 504M
0"Y Ha'r
PajWNa Garland House elevator (Address: 1530 Garland La. No., Plymouth, NN 55447)
FdMM7 corAft tim Nelson Tdk CM
Ad&t 1909 H. Wayzata Boulevard. Wayzata, HN 55391
PboOM 952-277-2422 Fas: 952-473-8620 Emu17: ei eeha r_er8
Fnoft Requested: t.. 40.000 Minimum AaoeptWft 1 so _poo
We are planning on installing an elevator in our Garland home to allow those living there
the ability to access all three levels the Dome possesses. Hammer's Garland home is
a waivered service home serving four severely disabled clients who previously resided in
the Faribault Regional Treatment Center. itio of the four currently have severe mobility
issues. and the others will likely have problems as they age.
h tbis an existing CD1 OAu ded pwjea? Yes ® No
What is the need in the City of Pb=Wh for your pmjea?
Hammer will be making a house more fully accessible for people with developmental dis-
abilities who are. living in the city of Plymouth and who have low, incomes. Individuals
with developmental disabilities are living such longer then in past generations. and the
Issue of accessible. affordable housing will increasingly become a problem.
Specific
Project avmlabtl'ly: City-N rde smool Nokia # ® otter sectM of C1W. m
Whet ase tits seemed reattlesJat:oompHdw=ts (homba of pasoasl6alsdW& to be assisW&seeve4 mmtba of
hoesing mo to be amebumd/ rehAildu d)? Mas udmnam vel be =W to evahtame am W puformsnos.
Four current developmentally disabled residents of Plymouth. as well as future develop-
meatally disabled City residents. will benefit from a more accessible Dams that is also
affordable.
Whet.isthepc aot'simplemea ontimdiDefidemi$rmgjorttetismbep 11- nenJ*1.20M10
h34
ibis project will be fully accomplished by May -2..2001.
Haw does ytatrpeapossl soppm Pbm mWs vision and minion (see attached)?
Itis project will help maintain.a diverse community by allowing multiply -disabled individuals
to be able to continue living in Plymouth. It improves the housing stock for people with
disabilities and creates affordable housing options for disabled people. particularly as
they age.
What Coasoiidad Plan pimity well this p nim mxt (see aumdOW
Housing for persons with Special heeds -Developmentally Disabled.
How wM hmmu stasseb ofproject pmtidpacts be veiifisO
Income/assets of the people we serve are readily available from our business office.
Hammer is required by other government agencies to monitor these income/asset levels.
lheas figures can be verified by whatever reasonable means that the City of Plymourb
t
ing and Redevelopment Authority finds necessary.
How will yon doaummi pwjact benefits by homm tax, and sex?
Records required of Hammer by State and County government regulators will document income.
race. and se: of all residents of this home.
What is Yost; esTemoe with this type ofptojacl?
Hammer has served people with developmental disabilities since 1923. We have made a
number of our homes handicapped accessible. We have utilised CDSG funds for such purposes
for the past seven years.
How nww hW1V dsals ar hwasdW& have you served aomwlly dating the last tiro yeses by p mjaataviae?
Haw noW were ftom Pbmouth?
Hammer provides services to 140 individuals. 58 of which reside in Plymouth. (Additionally.
Hamner serves another 500+ clients through a joint venture with sit other non -profits.)
Phase attach bwgmpbm anNax erg of staffdneedy involved with this project.
2
Appfica&of Ogen Name: Bazaar
Od NEW Garland House Elevator
Ibe peoposed worksheet mint be Ooo plctad for all ploposod da4ekgnn=N ttedwdopmmt pt'o]ects. N your
agency is propos' to aoriplete eme than ew. 1 j , yaw gPOCY needs to copy this form aid ooripkte it for
cath emit tmless the cost per uift is anfc4m d to he the sacro.
Type aro ab p %%d Casts pia Una Tatd Cost Kama d
Winne A cdoms 8
Somae(;1atFamtds
Aeowi Cast IMMAdCOOMMUSM Cohsmm A pigs B
1. Aatptislmos
L DmohTwa
3. Desehpmem
4' 0° Rammer and40.000 (10.000#) 40.000 Plymouth HBA
S. Rehel teotoon
6. meq(
7. Odter.
L Told Hard Crib
SM Hm 1 thmagt7)
9. Closing Cash
10. Holding Cosh
I1..DaYebpaa Fee (_%)
It Appais fee
II Othss
lL Totd Sa11 Cab
add Hats 9 dnwgh 13)
r1!. Tab! Dasdtpmsnt Cab
add Hm 8 and 14)
ET:at:d
that ( b4bd coculbodon)
el psoJaet (Colome A. an 13. omlftHrd by aassher of m"
Hamster will supply "..000 of the 40.000 from fundraised money and/or operational funds:+
3
The aom>t an work for this pojPt will be sopavisod by our Daector of
Eaviraaa al Swim. Jim Ryba& who has hdd this position at Hammel for two
five years. Ha bas ovasem the me dding sod aons>mction ofnlsny homes as wdl as
commercial baihhngL
The mr* amshucdm work wM be
conI
xe I out to a ®mast contractor with whom
Hammer has wmked with for nearly 10 yeses. In addition, a crow of throe Hammy
maintenance staff mantas will be utilized for various p of the aonsauction.
Other key peopk involved in ibis process will be cur Umctor of Fmmmmr, Jim imodt,
who has over 30 yews of finsoce cgmrkn e, and our CEO, rm Ndsom who has tweaty-
five yews of 1 1 - '- in the field of devdopmeatal disc ifiim
The key program staffperson involved in this p vpd a as Di ectw of hopam
Savim% Lisbe h.Annskw&.vrho has over 25 yews ofc gwde ace in this field..
C ' CIIYOFPI.YMOUM
3400PI.YMOi=BMJM WARQPLYIIIOUTa,1M11!T SS447
DATE: February 13.20M far Housit g & Radam elate Audwrity Meeting of Febromy 20. 2003
TO: Pbmouth Heosing & Redevdoptnent
FROM: Tit James. HILA Sped -list + ttrovab Hwuag Manager and the Huclburt,
Fsecutive Dirmw
SUBJECT: Public Haring on Comrmmty Davdopmttent Block Cmm (®BG) Program for 2003 with
a Reoomm odefum to the City Council
The DWmumm of Housing and Urban Desdgmimt (HUD) has allocated S32S.OWOO in CDBG
funds to the Cit_ of Plymw h for the 2003 program year that will begin on July 1. 2003. This amount
is a $000.00' from the 2002 program year allocuion. In order to &V mine the fimding needs
for fecal yar (FY) 2003. staff evalt and the midyear progress of FY 20M CDBG funded activities.
The Momng chart shahs the FY 20M goats, as submitted to HUD, along with our I Forew
2002 CDBG ACTION PLAN uOALS AND PROGREM
Comb hurmnob-I ON writer EONWbdm 6akanmqf
12/3I/ld82 4riwLQM i?/MIRa02
FwmAde 81otm and 4 Small 7 ReMb loam made S28BAS721 • S97.151.80 1191495.41
Rmwomftarbommmebab
Amst 6 Heat lime Ilomebo1 31 1 3 aadsad 289.935.74 • 554.592M i235.34L%
vMA 1 0 1 b
Assist 1- 2 deselapmenss WAS 0 mmies aooWbftd 528,850 W • 50.00 528.850.00
go eselopoemofafl ndAb
mensdiawaff4mmmmmb
Asst 8 8mabea w0A day mace
GMDCA
2 bomdolds mer+oed 521.39500 • SO.00 S21 WOO
Romide Aomeamaees1 % 94 hoesdi t memmed S9.IS000 SO.00 S9.I5AO0
pm vg m 200 Aomaced&
ftambCASH
Psvmide seeaioem m 300 mealer 99 AaaeEolda messed 57.300.00 SOHO 57.500.00
bwmebdhftooahmmlm
Psoride mdF4diti=7 29 hamdAolds messed 7.119.00 • 50.520.00 12.599.40
aooasetiog tar 23 bomebobb
ftwAAMLMU
Pwvideaaa,omvtiaaaesrioes nseniaas:aved 50.000.00 50.00 10.000.00
wnOmmimftOqhpRm
Assist 60 Aomeleo red sen
bmulw YMCA
9 yova messed 57.300.00 50.00 57.300.00
Ramide aesv. %23 artist 4 700b messed 4.000.00 50.00 Skeftoo
Admiaismadn ofCD9(i Admiooatioe Aeuritim 181 1.32 • I 11 16306 S65 038.46
IMAM mmum I U X66 Sm -M-21
ane mt mm mems tsP h ' ps momsms mes,emea Gomm nam"A'M tmsmar psaVam maome se=w m acme.
1
a>_
Staff nficipam that the goals of all activities in the 2002 Action Plan will be met prior to Jew 30.
2003, the ed of be p nSum year, even though pSt made to date may indicate otherwise.. Staff
meets trent these wr11 be inexpmded fiord: remaining in the housing reMbititatiam first time
homebuyer. GhWU and the CDBG amministration activities. The Noosing Rehabilitation and Fog
Time Romeboyeractivities will bave wiry over due to hags amounts of program income received and
the reallocation of fends from the Stone Creek Vdbp apartment project. As. of December 31. 2002.
combined these programs have received 5124.54225 m progra n mom. The CMIDCA and CDBG
ad nmutmb n actieities will have carry over dice to these services coadug less than bu4pted. Any
uumpended finding will be carried over into the 2003 program year budget and will be available for
die reRadve ar tivitim
FUNDWG RK034MUNDATIOM FOR CRY PROGRAMS
h the FY 2003 budget. staff recommends an ire to the fining levelthsin e Fust Time
Homebuyer (SS0OW00) and Horsing R0babilim inn (5160 OK00) loan programs. Over the past tWO
years, the First Time Homeb%w program bas assisted an average of 7 bouseholds per year. The
Housing Rebab!'lita dim loon program has averaged l 1 loans Per year for the pmt two years. A subpart
of the Housing RdW&dddm programa the Small Repair Grant program. The HRA has assisted an
average of 6 booftMs per year. Both programs generate program income fiom the repayment of
bans. Over the past two year; program moome has averaged 09.SMOD from First Tine Homebuyer
and 146.000.00 from Ha smg Riau repq}maeota. It should be noted that these figures do not
take iso account the tremendous amount of program income the City has received since July 1.200L
Consavat vely. we are budgeting for M000.00 of progra® income for both the First Time
Homebuyer and Housing Rehabilitation programs.
Staff also reoomrn. I deceasing the finding for administration. CDBG regulatiaa limit the amount
of finds that can be .pmt on. administration to no more dean 20 parent of the total allay
WS.000.00 for FY 2003} in previous year% administration has been allocated the maximum amount
however. the erpesses have totaled only half do budget Staff reed not funding this activity
br the 2003 program year, since the estimated cauy-over of 549.000.00 m 2001 and 2002 finds will:
be silBcient for the 2003 program yem
b additiq staff I deaeasirtg the fimdiog br Aff adable Housing Development All
finding would be allocated on a first-come first serve basis until fiords are depleted. This procedure
would albw the flexibility needed to provide fimdmg to viable projects as they present themselves
instead of havingere request dine per year.
Basltm d2M
FmmhCw*d
aWm2M!
26aEsaWmd
hor Mani
IWFWWhg
M oil
If I RdabOrloo
P
loam ao 8 boame-ftli a
h0mhdftfAftbIh9bftftk
bmL Provide 4 small repay
K00 V.JMOD 5160.000.00
75me
Lwar 8rsm as m V AEE"midabaco"L
M ftk Hwmbg
DeWomeat
IP I'm Arm aadfae grams to
tllbatlttAle amb.
56 000. i0. 8.14000
CDBG AdtaIstioa IM stool SMODI
FUNDUM TIONS 1FOR PUBUC SBRVICBS
CDBG r limit the amomt of fiords that can be spent an `pubic servile aedvides.. Polk
service sobities we those activities `arlich we directed toanod improving the aommnoitA public
services and tbdti&e sad save lov/modaate income dmftk. The regulations stipulate that public
saviee funding may not eneoeed 15% of the CWs total allocafi n (S325.000AO). plus IS% of the
previouus year's program income ($124.542.25} For the 2003 ptopum year. Pbmwu& cannot fusel
pcubtrc savice activities in eaass of $67.43134. In order to allow for a small contingency. staff
recommends allocating only 549.000.00. which is slightly more than 1596 of the 2003 allocation
without program hWDM .
Staff mailed out applicadons solieiong public seeviae proposals from 16 social service agencies and
mm-pmfit a oras. A copy of the application. insbuxtiaas, and fist of solicited agencies is
ataebed.
The HRA received spplicaims fiom eight wganirbons6 of weird! seven ate current CDBG rodpieots
and one. Bids Care Connection, a a new applicant. Staff evaluated and soloed the individual
proposals eased on the following criteria:
Promo tjea Feast'bili1r. "Project Overall Fcosibilife refers to the ltelbood that the pzapI q
prryect may be complied within tea timeline proposed and within reasonable pcuame1 1 of risk.
Ogpnizndood Capacipr, "Ori Capadi r" refers to the hbelibood ofthe organization
b*Sabletocompleteftj p, S pwiect.
Leverage of Otho Funds: "Leverage of Otho Funds" refers to the extern to which rho proposal
the invohmmem of local and the extent to which other finds are
leveraged; including coutdbodons fiom topic. public. and pdvote am lkr
kcal employerm as wall as in4 iod contributions.
A summary of each application sod the staff molft of the application; is also attached. The total
amount of public service funds requested was SKOOO.00. Staff is interested in [ending as may of the
proposals as posarble, while dloeatimg a feasible amoam to each activity. Staff v6 however, aware tea
fimdmg is extremely limiNt The finaft world be awarded beginning with the top ranking application
until fiends are exhauaed. This process would allow us to fiord on: agency at the rummun amount
eequrested, 6= agenda at the minimum amount requested, thtm agencies at 51.000.00 las than the
minimum amount requested and would eta fimding to the Greater Minneapolis l]ayeme Association
GN DCA) by 93.WL Staff is recanoneomg tea GMDCWs funding be cut because of their imrbiliq
to spend down thdr CDBG fiords in a timely manner. As of December 31.. 2002. CAdDCA had
521.59500 left in unnrpeet 2001 and 20M CDBG fuels. instead of cutting finding eo *sly, staff
has recommending Smiling of S1.000.00 far fiscal yew 2003. This w=M keep GMDCA as an errisong
social service, so they would not have to moat the n quieemmems of a now social service at a lata date.
and would also give them the opporbmfty to speed down their custing CDSG fiords.
Staff also reviewed the CWs 2003 Softer for commitments to human service i to ensure no
doplicedons ate made of City General fords and CDBG funds (please we attached eluent). The 20M
Budget includes $112.912.00 in finding for 12 human service agencies. There ate two dopliea m
North est YMCA and PROK The City's human saviee funding is allocated to these
agencies for apedfie peogeatns. The peogtans reooumnendo I for CDBG funding are not duplicated.
Nazthwext YMCA lora received a budgeted allocation fiom the City for their Detacbed Worker
progmtm and PRISM City allxadon is for their food shelf, g
The tbllavring task is a =mmmy of the .pub4c smvand the ammmt of faft
reoonl ded by SUM
ramsawke All, l' N Ib
RMPNM
dw
ttaaaar
tlmaaed
ABWMM
AMM
Fdoft
AMUNWadtd
TRARS yaaan sanioa n womou mom= WOOLIX
hoiaaeeob Sxtiao 8 sea:
Romtime te®etntlime.mmstm slomm 57.500. 57.500.
testam agmiaiog m ptrseem
haasio& sad eeoml peaeameioma at
schools ' ' 261 BomeaouL
COMMEMM =w m mi alas SIQo00. SB.om0. 58,000
ombaseda - asurer.and
aetvica m 60
CASH 515.00. S13,OOD 00
sad eea®e maebsagme ca5nates6etiaag
l7omebd&
PREKEUwRWM mepaatutgwave SwElbrEqeess 55.000. KOKOD 33AMOD
3o hwsetsolS.
lhmtPLupeSasixsdame" wppoetgwvansieaandwe SI 51.50000 so
aa'lo 23 ataisic
C=Cw ndm pwdkcbmen wV=vld&woato6
5mffits.
Slemoo53.000. skomm
GIdDCA etritlantasat==maoplememdw 525. 51,00000
Sliioa Fee orootam tar 8.10 fiomlim
TW appdeaom oftft d by CASA did me iodirate a ub mtm wamm weepobb Stiff eeeaom mb 313,000 M
aeavenoI PP ZWD,ZO.
00 Ue onSadon s*mVed e7 F®l j BW ItteRlp - did mt iodeeate a miobmm amoaat acoepmbb Safi
secammmi xl 50000; the aseeage spates base tsseo 50.375.Oo per year, l p Pop -19994M
0"The WHciooa s*mftd br GIdDCA did mt i ftm a mi di ammm atceIe Staff euammeods SI JMOI%
dwaseuWcq a9 bmb=S14MV4pwyar.la4aoeea1997-002.
I aecommu d mat dkr boMft Ise sere t&d puM IS and ceoddeft my poW
cmmmb mo. Board review dab's propsoed teas Por 2003 CDBG &a& and adopt me attaesed
resoldtoa goaroidstg a wecomma WWm to me City CmA Or adoptioa of UB 2003 CM
program
Apabmiwta:
1. Iteeohdim 200344
2. Liar of Awb=b Solicited far 2003 CDBG Pabbe Savioe Apphceb s
3. &=maey of 2003 CDBG Pablic Saw= FhMM Appbcabom
4, 2003 CDBG PAbc Saviee FWft Ap & ilyduobm and Evabmbm Criteria.
I City of Pbuwmh and Pb=Wh HRA Pobbc Savm FWWWS Chant lbr Racal Yew 20022003
Kmk mmfor kvmnoa saaaaoe
HRA RESOLUTWN 2003-04
RRCOMWMMTM APPLICATION FOR AND AI AIC tiAl1'fON OF FISCAL YEAR
2003 C'ON11MIN11Y DEVELOPNMNT BLOCK GRANT FUNQ4
WHEREAS. the City of PlfmouM aIdCipates receiving a Co®muoity Devdopemnt Bhtet Greet
CDBG) fitodingallocubm ofS32S,000.00 fmCDBG fiscal year 2003; and
WHEREAS. on February 20. 2003. the Planner& Haig sed Radev iopmrt Au%odty held a duly
coeaIi-
I ' public hewing to allow intau-ed parties to uPraa their epi . and
WHEREAS. tha Houaag and Redevielopmeft Aulhoeity of the City of PbODUM has deteemmd the
fonmft to be so appropriate use of Community Davdapmmt Bloch Grant funis an accordance
v nM federal gnomes and doe CWs HUD approved Consorted Pherr
NOW, TH REFORB, H8 R RESOLVED BY TM HOUSING AND REDEVELOPMENT
AUIHORM M AND FOR 1118 CT1Y OF PLYMUTH,1tMIMMA, that it reoommm I
dolt the Plimova City Council and mise the City Manager to apply for 2003 Cammmuly
Dewlopmant Bloat. Grant funds totaling. S32S.000.00 ftm Me U.S. Depm mint of Haug and
Ueban Development vd& die fallowing ate:
1. Hionsing Rddffftfm GMMA/ 160.000.00
2. Fun Time Homebuyer Assbance Program 80.000.00
3. AfhddAe Houug Devdopment Program 36,000.00
4. Camm ml y Action for Sutbn Hem epio (CASH) 13,000.00
6Nw*Hop@Scmm 3,9M00
GreaterMinumpolis Day Cue Associsdon (GMD:A) 1.000.00
T. HOME Line 7.500.00
L Rid& Cure Cooeerdm 0.000.00
9. Northwest Branch YMCA, Plant NoeMwest Program 8,000.00
10. People, Reapoading to Social bfwnny 09MA Ehler Express Program 3,000.00
11. Tnbft R Resources to Attain Longterm bAvidud Success (TRARS) 9.000.00
1L Program ARr&ioisbe im QA
Tod S32SJ000u00
BB IT FURIH8R RBSOL%%% dmf it is hereby recommended to doe City Council that all CDBG
program income may be used to ower a - gmers- 1. in any cdstiog CDBG program or activity
and not just courses refuted to Me activity gmaating Ma ancone: unless admwise reallocated by
McChyyCanal
BB rf-FURI=R RIMOLWA tbat his hereby recommended to due City Council that all
aoespmded 2002 CDBG finds be allocated.to due same progma activity in.2003. ml ss a6mvise
reload by Me City C=nciL
Adopted by rho Plimeoth Housin sed Redevelopment Au*mdy an February 20.2M.
iJ
Ust a5 ASeneies.SoBdted tar 200:3 CDBG PWM Sesvtce App
Cw mwoW Action Sar Subusbam Hennepin (CASA) Applied for SI S.00MOD
Family Hope Services Applied Sar 510.000.00
Greemer Nbumpolis Day Can Aasociatim (GMDCA) Applied for S25.0OOA0
did not apply
Ha®e Free No response
HOME Lim Applied for $106000A0
interfaith Oatmeace and Comity Partners (IOCIP) inquir4 did not apply
Kids One comrecdm Applied for 510.000.00
Mission. mc. No
Northwest Bunch YMCA Applied for S10.000.00
People Responding In Social Nlmmy (PRISM) Applied for SS.00&00
Resource Cenmer for Fathers th Families No response
RoDhios" Area Redesiped No response
Senior community Services No response
Teeters Alone No response
Training th Resources to Amtem bWkvideal hongterm Applied for 59.000A0
Success ([BARS)
ri 1
Summary 42003 CDBG ftbUe Service FundWS Appiimftw
CASH's moa is to conmimme its Fell -Cycle Homeownership Saviors to of
Pbrmoo& Zbdr cervica imdode fineclosme prevents m. home rehab advice, pre-punim
hoeaebuyer camsding and reverse mn-aaa roundft seniCes. Staff felt that the merits
of their appReatiom were that day provide services that ary 4xded in the City of.Plymouah
and nee required as part of in our Frost Time Homebuyer and Housing
Rebabilitetionloanpmgtams.
EmilHie Sendoes
Family Hope Services' appl'asmam is to support its delivery of services through the Tree
House's waft support group program far alga youth ages 11 to IL The wad<ly support
groups are bdd year-round and allow youth to share openly their questions, struggles. and
primes in a We mviremmmt supervised by staff Staff Wow -up, with &a youth thr000
oac4go4 ne mentoring utterer during the waL Family Hope Services' appliaelon
demonstrated do they bove opermed the program successfully.
GD=Ws awn a to save Pl umft families who are eligible far Child Care
assistance through than Parent's Assistance bund: This fund is set up to supplement the
State Sliding Fee program, which as also administaod by GMDCA. The Parents Assistance
Farad provides direct sliding fa assistance on a tempo any basis until the familia are placed.
cn the Starve Sliding Fee propam and is only available in 9 cities supporting &a program.
including Pbw otgb. 'Ibe application was slang in proving GhdWA's agmirabood
capacity to apaate the progrsm. However. staff bas concerns about d%* ability to qmd
down the CDBG funds in a timely manner and theefae; a lower fumduag amount is
recommended tbis year.
HOME Lints apphcadon a to opeame a oemamtt hotline staffed by fan attomeys and
voomteer pboma advocates; primarily law stmdmts. The bodlioe receives over 6$W calls a
year and 95%of the cdbn are lowlhemder to income. Tbey also provide legal represensubam
to reamer families Goad with eviction as part of their Homeless Pm%mdam Programs. In
w6tion. the staff mmormeys and a praegamicros on the rakes of becoming a renter to area
ho sehool modems HOME Lime praanted a very drorg appha* a The need and
financial kasibel'ty of the program was very defined and showed that the program would
bave a dpificenm impact in the City. The application also showed ibey have leveraged many
odor resomas to support abeir program.
Kids Cate
Kids Care Conoectian's application a to provide dation assistance for daycare wiped s for
efigi%b low- and modeteto-inoome Plymouth familie& specifically. the tiab n - -aoce
program provides financial support for familia who are for a j* employed but on
the Hemepin Comp chiildcme aAvidy waiting list or who have qualified for financial
support if Stt Ondeace for Community Parlors (TOCP} They have already
leveraged other resources to support loch program. The applican was strong in provigg
Kids Care.Connecdon's aqpnind000l capacity to operate the program.
YMCA's application is to provide services to youth and their families cab are acpQimce
alas from haul r ahm Tbey provide outreach, ams iatavewim counseling; family
ramification, sheha savioes, said mediation saviors to homeless and unlovable youth
through the POINT Northwest p mg=L Ibis program works collaboratively, with the middle
and high schools in Pbuwtnh es well as the. Plymouth Police Depa umeaL They have
leveraged mrmaous other amances to affort their program. The application and
oq pm:auanal cepachy sa dons of their application was very claw and detailed
Podcalavty. YMCA has daoonsteate I efficiency, in their bene ieiawy data reporting.
MSM's application is to provide 'curb to curb" traospomfion services to re I i of
Plymouth and the arroundiug communities of Golden Valley, CryML Now Hope,
Robbinsdak and Brooklyn Ceuta The =vice is deM od to meet transportation needs of
lour -income dderar and disabled renders of these mb nbL PRMCs applies sbws a
droq8 agminfimtal fib q=Kfied ata8'and program soca. The %*fiwtion
alm indicates that they have scugbt mmiaou>s resouaca to fiend this program.
MARS
MUS application is to provide case mand employment. saviors to Section 8
program Wap , 1, The vohmtaey Program o8ars on an one counseling. financial
do l antsonmK job search and odor services. The program provides a
fim cid incentive to to ioc e c their rarmd income mrd I P F M e sdfaulHeienL
The TRAQS wkstion demomteatad the organ oral rapacity remainsstrong.
2003 CDBG Public Service Funding Application Evaluation
Applicants: GMDCA Homeune PRISM CASH Kids Care TRAILS Family Hope YMCA
Evaluation Criteria
Program Feasilibity: 2.50 5.00 4.50 5.00 3.50 5.00 5,00 5.00
Program needed in Plymouth
Program financially feasible 2.00 5.00 5.00 4.50 4.00 5.00 4.50 5.00
Program will have significant 2.00 5.00 4.00 5.00 4.00 5.00 4.00 5.00
impact
Organizational Capacity: 3.50 5.00 5.00 5.00 3.00 5.00 5.00 5.00
Organization has strong 6 expected
ongoing capacity to complete prog.
Organization had capacity to meet 3.50 5.00 5.00 5.00 4.50 5.00 4.00 5.00
CDBG & reporting requirements
Organization has successfully 3.50 5.00 5.00 5.00 4.50 5.00 5.00 5.00
completed similar prdgrams
Organization has sufficient, qualified 4.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00
staff for program
Leveraging Ability: 5.00 5.00 5.00 5.00 4.00 5.00 3.50 5.00
Leverage of other funds, in-kind
donations and partnerships
Other:
POINT TOTAL 26.001 40.001 38.501 39.50 32.50 40.00 38.00 40.00
2003 CDBG Public Service Fundina Application Evaluation Criteria
5 3 1
Evaluation Criteria
Program Fessilibity:
Program needed in Plymouth Only service in area and proven client Service may be provided by others but Service provided by others as well
base client base documents need for and minimal client base or no
multi le service oroviders documented need
Program financially feasible Funding sources documented. Funding sources documented but Funding sources, commitments, and
Indicating exact level of commitment commitmentillme frame not well time frame for expending not well
and time frame for expending funds, documented. Percentage of funds a documented. Percentage of Plymouth
Percentage of Plymouth funds <a percentage of Plymouth service funds > percentage of Plymouth
percentage of Plymouth service service
Program will have significant impact Program's anticipated results Program's anticipated results are Program's anticipated results do not
addresses the Identified need reasonable to the identified needs address the identified needs
Organizational Capacity:
Organization has strong & expected Organization has 10+year hl, tory and Organization has 5-10 year history Organization has less than 5 yea;
ongoing capacity to complete staff dedicated to the program with staff dedicated to the program history or no staff dedicated to the
program program
Organization has capacity to meet Organization has procedures in place Organization has reporting procedures Organization has inproper reporting
CDBG and reporting requirements that demonstrate timely and accurate in place that demonstrate adequate procedures and has never worked
reporting and has worked with HUD reporting and has worked with HUD with HUD grants before
grants before indicating and grants before
understanding of HUD grant
requirements
Organization has successfully Organization has operated some Organization has operated similar Organization has not operated similar
completed similar programs program with good audit reports and program with adequate audit reports program and has not assisted a client
assisted large client base and assisted medium client base base of a similar type
Organization has sufficient, qualified Organization has well trained and Organization has sufficiently trained Organization has inadequate staffing
staff for the program experienced staff and supervisory staff appropriate to the service or for the service and clients
staff appropriate to the service and clients
clients
Leveraging Ability:
Leverage of other funds, in-kind Application identifies leveraged funds. Application identifies leveraged funds, Application identifies no leveraged
donations, and partnerships in kind donations and partnerships in kind donations and partnerships funds, in kind donations or
amounting to at least 2:1 ratio of funds amounting to a match of funds partnerships
requested requested
Other.
CITY OF PLYMOUTH AND
ITV OP PLYMOUTH
tegory Agency 2001 2003
Reassaled
t. •t'
Oeaerd Barka
YMOIITH HRA PUSLIC SERVICE FUNDING CHART FOR FISCAL YEARS 2002 - 2003
SS 87.00 3.887MI
ITV OP PLYMOUTH
tegory Agency 2001 2003
Reassaled
2003 Purpose
A roved
Oeaerd Barka Communities In Collaboration SS 87.00 3.887MI SS {7.00 collaborative m oravide lotegued local service delivery
InterfahhOutreach 13900.00 525M.001 SI9897.00 food shelf
North Hemselpin Mediation 12 .00 54M.001 S4,000.00 mediation ofdisputes
Narehweat Hemseph Human Services 13 12SA0 5 3.125.001 0.00 city withdraw from organization
Y Ooeb1 Mb IS SI SI S1 {6.00 food shelf
Hosalret Services Home Free Sheba S33 AO 13] .001 133 .DO eater shelter for domestic astenh
Iflawailh Outreach • CONNECT 19 AO SIS AO 9.270.00 enllaborative to link families In sWanams with community services
Senior Community Salus-HOMF- 16000.00 56 AO Sk 1 $0.00 bousbut mabtenanceand regaintoIn, lelderly seniors
Teens Abse f2 .00 S2 .00 S2 .00 emergency shelter, alsis Intervention end counseling for at -risk youah
Senior Services Senior Community Services S13.000,00. 13.92640 117 390.00 counsclinlL Case m and outreach to rmil elderly senior.
Senior Leadership Council SO.001 11 500.00 S 1500.00 speakers' bureau m sum.1 senlu rocreatiou progrearming
Youth Servica Northwest YMCA - DOW610 Worker S] S7 S .00 @sake @t -risk youth and lbeh hulks
TOW 5112912.00 5139 S112 AO
PLYMOUTH HRA
Category Agency 2002 200]
Requested
2003 Purpose
Approved
General Serviea Tralninst and Resources to Attain Lonst Term Individual Success TRAII.S 15 .00 19 AO NA self-suffickn
Housing Savior Community Action of Suburban Hermain CASID S9,150.00 113 A0 NA home ownership class
HOME, Line S7 5110,00 510 .00 NA tenam advacK7 hotline
Senior Services Prople Resisoodlimil In Sodel Minta PRISM Sr A059.1100.80 NA senior transportation preltrawn
youth Services Family Hope Services M 000.00 10,000.00 NA ant school program for at risk outh
Greater M' lis Daycams Assaaiuion OMDCA 115 .00 S25 .00 NA da tare sssisunee
Kids Can Connexion 10.00 SIOAW.00 NA da care assistance
Northwest S7 S0A0 f I AO nm for ere -rick youth
TNoesM•
Pale)
otal 152150.00 594 .00 NA
Since the Plymouth IIRA has rot yen solicited for 2003 public .ervice funding applications. no information Is available of this time.
S.
F_ i
Ci1Y OFPLTKOVM
3400 PLYMOUTH BOULEVARD, PLTMOVLI!L 3dN W"7
DATE: February 12, 2003 for Housing and Redevelopmaut Authority Mating of
February 2062003
TO: Housing and Redevelopment Authority
FROM: J' ManW. through Anne;K EXCCutive Director
SUBJECT: Pbromonth Towle Square — Adopt the Resolution Approving the Sale of G.O.
backed Governmental Horslog Pr*ct Rdhndiog Bonds.
At the January 2003 HRA Board meeting. the Board approved the sale of G.O. backed
Goveeammtal Housing Project Refunding Bonds for Plymouth Towne Square. The Board
selected a level savings solution, which will reduce &
cinI - - -
rate paid, but the term will
ramain the same at 20 years. With this option, the HRA would see a savings of an average of
530;000 per year. The overall savings for this option would have a net present value benefit of
approximately $412.760. On January 28.2003. the City Council reaffirmed their General
Obligation pledge for the bonds
DISCUSSION:
Representatives from SprnsgDed Inc. will be in attardence at the mating to present the offers for
the bond refunding. They will provide a list of all accepted proposals and will discuss the top
two or three and make their recommendation to the HRA. Proposals will be accepted until 11:00
A.M. on Thursday. February 206 2003. Once Springsted has peesented their r000mm mdatiou,
the Board will have an opportunity to ask questions prior to approving the sale.
I setoff mat the Pbrmoam Hering and Rederelopment Autbority Board of
Commidonees approve tide attached resolnttmis to Ism G.O. bled Horsing Project
RdWmft Bonds for Pbrmoath Tonne Sgnara
ATTACH1YH1du1TS:
1. Resolution approving the sale ofG.0. backed Govamantal Housing Project Refimding
Bands for PTS.
2. official Statement
co -4 as v..aramme.
CERTIFICATION OF MINUTES RELATING TO
GOVERNMENTAL HOUSING PROJECT REFUNDING BONDS
Cay OF PLYMOUTH, MR4NESOTA. CMMRAL ORUGATION)6SERIES 2003
Issuer- Hanning and Redevviopment Au thaity in and for the City of Plymouth. Minnesota
Govaning Body. Board of Cis
Kind, deme, time and place of A regdw nieetheld on Febnmry 20, 2003, at 7:00
o'elodc am. at Council Chambers of City Hall.
Umbers present:
Members absent:
Documents Attached:
Minutes of said meeting (pages):
RESOLUTION NO.03-
RESOLUTION RELATING TO THE ISSUANCE OF
GOVERNMENTAL HOUSING PROJECT REFUNDING BONDS
CITY OF PLYMOUTH, MINNESOTA. GENERAL OBLIGATION),
SERIES 2003, BY THE HOUSING AND REDEVELOPMENT
AUTHORITY IN AND FOR THE CITY OF PLYMOUTH,
MINNESOTA; AUTHORIZING THE ISSUANCE ANC AWARDING
THE SALE OF BONDS AND APPROVING THE EXECUTION OF
DOCUMENTS IN CONNECrTON THEREWITH
I, the undersigned, being the duly qualified and acdog recording officer of the public
corporation issuing the bonds referred tti in the title of tbis cerdficaw, certify that the documents
attached hereto, as described above, have been carefully compared with the original Proo hof
said corporation in my legal cuamody, from wbicb they have been traencrr'bed; that said
documents are a correct and eomrpkme - 1 1 m ipt of the minutes of a meeting of the governing
body of said corporal e, and cared and complete copies of dl. m olutioa4 and other auk
Wm and of all documents approved by the governing body at said ming, so for as they reh me
to said bonds; and do said meeting was duly held by ahe governing body at the time and puce
and was attended tbeoughoot by the members indicated above, p aws to call and notice of surcb
meeting given as required by law.
WITNESS my hand officially as salt recording officer this 20t° day of February, 2003.
Secretary
1'.
it was reportod drat _ scaled proposals for the purchase of the Bonds vista
teoeived prior to the time stated in the Olficial Statevao distribttbed to poemtial
purtdtasas of the Bands by Sptioped Iamporamed. financial. advisor to t!p Authority.
The proposals have bem pu Mt* opened, teed and tubulated and were fatmd to be as
Sw A
r
Commissioner m ioduoed the following resolution and moved
its adoption, which motion wasseconded by Commissioner
RESOLUTION RELATING TO THE ISSUANCE OF GOVERNMENTAL
HOUSING PROJECT' REFUNDING BONDS (CRY OF PLYMOUTH,
NOTA. GENERAL OBLIGATION). SERIES 2003, BY THE HOUSING
AND RFtiEVELOPMERr AUTHORITY IN AND FOR THE CRY OF
PLYMOUTH. M 04MOTA; AUTHORIZING THE ISSUANCE AND
AWARDING THE SALE OF BONS AND APPROVING THE ECECLMON
OF DOCUMEWM INCONNECTION THEREWRH
BE R RESOLVED by the Housing and Redevelopment Authority in and for the
City of P Minnesota (the "And raft"). as follows:
1.01. General Autvadmatim. Pwsraw to the laws of the State o,
Nknesot the. Authority is authorized to rhe housing development projects to
provide safe and sanitary dousing affordable by elderly persons and by persons and
families of low and moderate. mo+mePursuant to Minnesota Statutes, Sections 469.034
and 469.M the Authority is mahwized to issue its bonds for my of its corporate
purposes. Pursuant to Minnesota Statutes, Section 469.034, subd 2, the Authority is
fatha auibomed to umdertabe a pmtwulw type of housing development project, caller:
therein a `gw1i5ed housing development project," and to pledge the general obligation
of the City of Plynmlk Minnesota (the "City") to the repayment of bonds issued to
financethe qualified dousing development project, all upon the terms set forth in
Minnesota Statutes, Section 464.034, subd. 2.
1.02. $gam The Autbaity proposes to issue its Governmental
Housing Project Refunding Bonds (City of Plymouth. MinnesoW General Obleadon),
Series 2003 (the "Bonds"N in the approximate principal amount of S
puesuent to Minnesota Staunes, Chapters 469 and 475, the proceeds of which will be used
to refund in advance of maouity,.on or about April 1, 2003.. the Authority's
Govemmmtel Housing Project Bands, Series M. dated Mai=1,1993 (the "Saiz
1993 Bonds"X issued pursuant to Minnesota Statutes, Sealant 469.034, subd 2, the
proceeds of which were used to consuutct oro ddedy renal devdopmeot inthe
CilyMle"
1.03 Pledge of General Obligation of (rite. Pasuma to the provisions of
Section 469.034, subd. l(p) and a resolution adopted by the City Council of the City an
Jimmy 28.2003 (the `City Resolution"), the City las approved the issuance of the
Bonds and bas authorised the Authority to pledge the full faith. credit and taxing powers
of the City to the repayment of due Bonds.
1.04 Sufficieng of Protect Revenues. Based upon an analysis of Project
revenues and expenses prepared by Sprite,Incurpurporated, the Authority's financial 001
advisor (which analysis was based upon infonmtion and assumptions supplied by the
Auft ty+ which the Authority deems to be ramble), the Authority finds that the
Project revenue will equal or exceed 110% of the principal and interest due on the Bonds
for each year during which the Bands will be outstanding.
1.05.n R is hereby determined that by issuance of the Bonds the
thoAurity will realise a substantial interest rate redaction, a gross savings: of
approximately S and a present value savings (using the yield an the Bonds.
computed in accordance with Section 148 of the Internal Revenue Code of 1986, as
amended (the uCode' j as the discount factor) of approximately S
Section 2. Sale of Bonds_
2.01. 5ft The Authority has retained Springsted hwogxw ted, as
independeatfmancial advisor in connection with the sale of the Bonds. Pursuant to
Minnesota Statutes, Section 475.6% subdivision 2, paragraph (9). the requirements as to
public sale do not apply to the issuance of the Bonds. Pursuant to the Official Statement,
sealed proposals for the purchase of the Bonds were received at or bef ne the time
specified for receipt of proposals. The proposals have been opened and publicly rend and
considemd, and the purchase price, interest rates and oct interest cast under the terms of
each proposal have been determined. The most favorable proposal received is that of
andassociatesoiates (the 0
Punehase), to purchase the Bonds at a price of S plus accrued '
interest to the date of issuance and delivery.
2.02. The sale of the Bonds is hereby awarded to the Purchaser,
and the Chair and Secretary we hereby authorized and directed an behalf of the And miry
to execute a contract for the sale of the Bonds in accordance with the tens of the bid.
The good faith deposit of the Purchaser shall be retained and deposited by the Tratsmer.
The good 6M deposit of other bidders shall be retumed to them fo "OL
r,77,74,77 7777-774 —5,77-7-7771r7ol
3.01. lssuam a of Bards All acts, conditions and things which are
required by the Cinstitudon and laws of the State of Minnesota to be done, to exist, to
happen and to be parfurmed precedent to and in the va4d issuance of the Bonds having
bon done, now existing , having happened and having been perfonnnd, it is now
necessary for the Board of Commissioners to establish the form and terms of the Bonds,
to provide securby therefor and to issue the Bonds forthwith.
3.02. Maturities: hhtnest Rates: Denominations and hmmt The Bonds
shall be originally dated as of March 1, 2003, shall be in the denomination of 55,000
each, or any integral multiple thereof, of single maturities, shn'h mature on October I in
the years and amounts stated below, and shall bear interest from date of issue until paid
2-
or duly called far redeosption at the annual acus set %6 opposite such yews and
amounts, as follows;
xm @mmmL Bo xm 80nount so
2003 S 110,000 2014 S 230;000
2004 165,000 2015 240.000
2005 170.000 2016 255,000
2006 170.000 2017 265.000
MY 180,000 1.018 275,000
2008 185,000 2019 290,000
2009 1906000 2020 3004000
2010 200.000 2021 3206000
2011 205,000 2022 335,000
2012 210,000 2023 345.000
2013 225,000
REV= REDEIMIp MN SCIMULE FOR ANY 'TERM BONDS)
3.03. The Bonds shall be issuable only
in fully n:gi i
I
fm. and the ownership of the Bonds shall be transferred only upon
the bund of the Authority hereimRa described. The interest on dhe Bow shall
be payable on April 1 and October 1 in each year, commencing 0 ctoba 1, 2003, to the
owns of record thereof es of the dose of business an the fifteenth day of the prem
maamh, whetber ar not sucb daffy is a business day. The interest on, and upon presentation
and strren I thereof, the principal of emb Bond shall be payableby duet ar draft
issued by the Registrar described bereia Upon auk of any Bond the Registrar
described herein sball indicate therein the date of such meson.
3.04. $ . Bonds Looming on October 1. 2013 and lamer yews
shall be sotim to redempd and prepayment at the option of the Authority, in wbote or
in part, in such order of maturity dazes as the Authority may select and witkin a maturity
by lot as selected by the Regitrear in mu dpten of 55,000, on October 1, 2012, and on any
dame theredker, at a price equal to the principal annwmt thereof cad accrued inter;st to the
dame of ce I , Iioo, Phar to the dame set for re I mi
of coy Bond prior to its stated
maturity date, the Secretary shall cause oatiee of the call for redemption thereof to be
published as required by lave and, at least 30 days prior to the designated redemption
dame, shall cause rod of the call to be mailed by certified or registered mail to the
regired owners of any Bonds to be redeemed at their addresses as they appear on the
bond register described in Section 3.06 hereof. The Secretary sball cause o o d -e of the
coli for redenhption thereof to be published as resumed by kw, and at levet thirt y days
prior to the desigotmed redenhptian date, shall cause ootiee of call far redemption to be
mailed. by first class omil, to the registered holders of any Bands to be redeu, W m their
addresses os they appear on the boodregister dmcnW in Section 3.06 beseof, but no
defect in ar milu a to give such mailed notice of re I prion shall affect the validity of
Wings for the redemption of any Bond not affected by such defect or f filum
Official notice of redemption having been given as aforesaid, the Bonds or portions of
3-
Bonds so to be eedeeared shall. on the adempioa date, bemrme due and pyable abbe
rederow d priced in specified and from and aRa such date (unless the Authority
doll delb» h in the p 3 l of the redemption price) such Bonds er portions of Bonds
shall «age to hear interest. upon partial mdempim of amy Bong a new Bond or Bonds
vA be delivered to the owner without charge, representing the remaining prw*d
amount wassudiog.
COMPLME THE FOUAWIN(i PROVISSIONS IF MHERE ARE TERM BONDS -
ADD ADDIHONAL PROVISIONS 1F THERE ARE MORE THAN TWO TERM
BONDS]
Bonds manning on Jammy 1.20 and 20 (the Term Bonds) shall be
regememmets of this Seetim 3.04 at a redemption price equal to the stained principal
amount thereof phis inteaest mmrued &man to the redempbm dft vnd mu proarium.
The Registrar shall sdm far rodemption, by lot on other oma oloxme I Dir, on January
1 in each of the follawing years the following WtA principal amounts of sash Bones
The remmmng E stated principal am= of such Bonds. sball be pard at
y
maturity on Jamagy 1, 20
XJK PrineimLAnwwd
The r E stated principal amount of such Bonds shall be paid at
maturity on Janary 1. 20
Notice of rola nrptioo shall be glum as provided in the preceding pmvgrapd]
3.05. Amointment af Mal The Treesurerofthe Authority is
baeby appointed es do initial regisilar. umsf s agmt and paying agm&
3.06. $ The effect of re gMaban and davigbts anddames of
the Authority and the Ragistraar with 11- lip 1et0 shallbe as follows:
a) @ The Registrar shall beep at its prina:W corporate
trust office a bond register in which the Rob.aaar shall provide for the registration
4-
of ownerdup of Bonds and the registration of tamsters and
I
g of Bood4
entitled to registered, transferred or anIe I
b) Tnutsfer of Bold L Upon suuender for trensfa of any Bond
duly endorsed by the registered owner t meofor accompanied bya written
instrument of l ter, in fnm smisfartoty to the Registrar, duly exeamed by the
registered owner thereof or by an amonney duly authorized by the regintao I owner
in writing, the Registrar shall au thmtumte aod.deliver, in the name of the
designated transferee cr transferees, nae at more new Bands of a like aggregate
prinopal amount and mat pity, as requested by the trartsferon: The Registrar may,
however. close the boots for registration of any trusser after the fifteenth day of
the mouth preoedirtg emb iemere a payrocua dote and until such interest payment
date, and.afEer the date of giving notice ofmdemptiont of Bonds and until such
redanptien dame.
c) && =ofof Bonds. Whenever any Bonds are surrendered by
the gill-ered owner for asI V the Registrar doll ate and deliver one
or moue: new Bonds of a hike aggregate principal amount and maturity, as
requested by the tegistered owner or the owner's attorney in writing.
d) Cmwd : Jl Bands Mmodered upon any transfer or
acI "be promptly canceled by the Registrar and d aeafter disposed of
as directed by the Authority.
e) Imnrorler or Urmuthorind Ttartsfer. When t oy Bond is
presented to the Regktear for transfer, the Registrar may refuse to transfer the
some umil it is satisfied that the endorseaaent en such Bond or separate iaenuunmt
of trot of isvalid and genuine and dot the requested venter is legally
authorized. Ike Regisaw shall incur no liability for the refusal, in good faith, to
make transfers which it, in its judgment, dams improper or naanmhorized.
t) Pawn Deenied Ownem The Authority and the Registrar my treat
the person in whose name any Bond is at arts time registered in the bond register as the
absohme owner of the Bond, whether the Bond shall be overdue air ook for the pupose of
receiving p oment afar on account of; the principal of and interest on the Bond and for
all other proposes and all psyruca s made to arty registered owner or upon Ae owner's
order doll be valid and effoutuml to so!* and discharge the liability upon Bond to the
extort of the arm or sums so paid.
g) Far every I o of at exI V of Bands
Cmelit for an 1 9 upon a partial
1
111
of a Bond), the Registrar may in+pose
a change upon the owner thereof sufficiew to reimburse the Registrar far any tax, fee or
other govanmeaml chap required to be paid with respect to such transfer ar erre.
h) MutIjqMjLMLSIoIMQrRjSM3dBondL !n case any Bond doll
become mutilated or be destroyed, stolen or lost, the Registrar doll deliver a new Bond
of lite amount, number, matruity dome and tenor in exchange and substitution for and
5-
upon cancellation of any sucb mutilated Bond or in lieu of and in sufatitudoo far any
Bond destroyed, stolen or last. upon the payment of &a eeasomble ecpe ses and chugeg
of the Registrar in oorroeed therewith; and, in the case of a.Bond destroyed, stolen or
lost, upon Sting with the Registrar of evidence 1 IM -I cry mit that the Bond was
destroyed, stolen or last, and of the ownership thereof, and upon firms to the
Registrar of an appropriate bond or indemnity in form, substance and amount satisfactory
to it, in which both the Auftrity and the Registrar shall be named as obligees. All
Bonds so surrendered to the Registrar shall be canceled by it and evidence of surA
canodlation shallbe given to the Autbority. If tier mutilated, destroyed, stolen or lost
Bond has aheady matured or been called for redemption in s000rdanx with its teems it
shall not be necessary to issue a new Bond prior to pq meat.
Arrhenticatirm Agent, The Registrar is hereby designated
authenticating agent for the Bonds, within the meaning of Minnesota Statutes,
Section 47S.SS, Subdivision 1, as amendO .
3.07. fmagm ard The Bonds shall be prepared under
the direction of the Secretary and shall be acecuuted on behalf of the Authority by flea
signatures of the Chair and the Secretary, provided that the signatures may be printed,
engraved or lithographed facsimiles of the originals. In case any officer whose signature
ar a fiuelmile of whose signatam shall appear an the Bonds shall Deese to be such officer
before flea delivery of art Band, such signature or facsimilesimile shall nevertheless be valid
and sufficient for all purposes, the sameas if he or she had remained in officeuntil
delivery. Notwithstanding such eeecutian, no Bond shall be valid -or obligatory for any
purpose or eotiitled to arty unity or benefit untie this Resolution unless and until a
certificate of mon an the Band has been duly aoecuted by the manual signature
of an Abaind representative of the Registrhr. Catificata of authenticatioa.on
difetent Bomb need not be signed by the same eve, The executed certificate
of authentication on each Bond shall be conclusive evidence that it has been
armed and delivered under this Resolution.
3.02. Securities Deeositav, (a) for purposes of this section the
following Units shall have the following eaeanings:
Beneficial Owner" shall neon, whenever used with respect to a
Bond, the person in whose name such Bond is r000cled as the barheficial owner of
such Band bya. Pwddpant on the recce IQ of such Partidprmt, or sch person's
Cede A Co," shall mem Cede tit Co., the nominee of DTC, and
any successor nominee of DTC with respect to the Bonds.
DTC" shall mean The Depository Test Company of New York,
New York.
Partic4 ont shall mean soy brobendeder, bank or other financial
institution for which DTC holds Bonds as securities depository.
4-
R---tesentation Lotter" shall mean the Represenation Letter
pursuant to which the Authority agrees to comply with DTC's Operational
Arrangements.
b) The Bonds shall be initially issued as separately aimed
fully registered bonds, and one Bond shall be issued in the principal amount of
each stated maturity of the Bands. Upon initial is .. ce the ownetft of such
Botch shall be registered in the bond Sia in the name of Code & Co., as
nominee of UM The Rear and the Authotity may UM DTC (or its
mminee) as the sole and ocaoludve ownerof the Bonds regisaned in its game for
the purposes of payment of the principal of or intnest on ft Bonds. selecting the
Bands or p a 'ia thereof to be redeem4 if any, givingany tonne permitted or
required to be given to registered owners of Bomb under this resoluda :,
registering the ttanR6 of Bonds, and for all other purposes whatsoever, and
neither the Registrar roc the Authority shall be affected by any notice to the
coottary. Neither the Registrar nor the Authority shall have any responsibility or
obligation to any Pattiapaot, any person claiming a beneficial ownership interest
in the Bonds order or through DTC or any Participant, or any other person which
is not shown on the bond twister as being a registered owner of any Bonds, with
ruSp-- to the accuracy of any r-ords maintained by D7C or any Participant, with
resI ect to the payment by DTC or any Participant of any amount with respect to
the principal of or i i i on the Bonds, with respect to any notice which is
permitted or required to be given to owners of Bonds miler this resohntion, or
with respect to any consent given orother action taken by DTC as registered
owner of the Bands. So long as any Bond is registered in the name of Cede &
Co.. as nominee of DTC, the Registrar shall pay all principal of and interest on
such Bond, and shall give all notices with respect to such Band, only to Cede &
Co. in accordance with DTC's Operational Aetangernenls, and all such payments
shall be valid and effective to fully satisfy and discharge the Authority's
obligations with respect to the principal of and interest on the Bonds to the oucterut
of the sum or sums so paid. No person other than DTC shall receive an
authenticated Bond for each separate stated maturity evidencing the obligation of
the Authority to make payments of principal and interest. Upon delivery by DTC
to the Registrar of written notice to the effect that DTC has determined to
substitute a new nominee in place of Cede & Co., the Bands will be transfnobk
to such new nomim in aoPorIsoae with poragroph (e) hereof.
c) in the event the Aondority determines that it is in the best
interest of the Beneficial Owners that they be able to obtain Bands in the form of
bond oertificames, the Authority may notify DTC and the Registrar. whereupon
DTC shall notify the Participants of the availability ftough DTC of Bonds in the
form of certificates. In such even, the Bonds will be transferable is accordance
with paragraph (e) hereof. DTC may determine to discontinue providing its
services with reap-- to the Bonds at any tune by giving notice to the Authority
and the Regmar and discharging its reslambilities with respect thereto under
applicable law. In such event the Bonds will be transferable in accordance with
paragraph (e) hereof.
7-
d) Mm enar>ion end delivery of the Repmenta tiom Fuer m ,
DTC, if mot previaulyTHed with DTC, by the-Omirpam or Secretary is hereby
andmiaed and dhecft&
e) do the event that emytrmy- 4fa at exchange of Bonds is
pamided under g 11 (b) or (c) hereof; such teanvfer ar acchaogie shall be
a000mptished upon receipt by the Rq*br ofthe Bonds to be haavfeiretor
acc>raoged and appwpriame imshumems of uwnfer to the permitted teaas6 in
aoomdamorwith The pwvish ms of this resdkniom. Int the event Bands in the farm
of aadficates we issued to owners other than Cede & Co., its successor as
nominee for DTC as owner of ail the Bonds -or amthet securities depositary as
owns of all the Bonds, the provW= of this resolution shall also apply to all
matters rdating ftmM Wdudin& witham rmitatioi% ft printing of such Bonds
in the farm of bond aatificmes and the -method of payment of principal of and
inumst on such Bomb in the form of bond cafificames,
The balance of this page is kmmd=0y left blank.]
V
8-
3.09. Farm of Mw Bands shall be prepared in ill the
following ftam.
f
HOUSING AND REDEVELOPMENT AUTHORITY
INAND FOR THE CITY OF PLYMOUTH, MINNESOTA
COUNTY OF HENNEPIN
STATE OF MINNESOTA
GOVERNMENTAL HOUSING PROJECT REFUNDING BONDS
CITY OF PLYMOIlnL MINNESOTA, GENERAL OBLIGATION). SERIES 2003
L =L7`
X ti
Q (611 J1
THE HOUSING AND REDEVELOPMIENT AUTHORITY IN AND
FOR THE CITY OF PLYMOUTH, MINNESOTA, a public body corporate and pofitle
and a political subdivision agameed and exsvdag wader the Cansinriom and Taws of the
Starve of Minnesota (the "Authority"), for vahse received, hereby paoudm to pay to the
Owner named above, or registered assigns, upon surrender hereof at the principal
corporate trust office of the Registrar named below, Som the source and in the mmemer
haemew provided, an the Maturity Date specified above, the Principal Amount
specified above and to pay interest hom the Original Date of Issue specified above, or
from the most eetxo i interest payment date to which interest hereon has been paid or duly
provided for, on April i and October 1 in each year, commencing October 1, 2003, at the
Interest Rete per annus specified above, f am the source and is the manner hereinafter
provided, until the principal hereof is paid at duly provided for and at the same rate (to
the extent that the payment of such interest shall be legally emforoaable) on any overdue
installment of interest, all except as the provisions below with respect to redeaptian of
this Bond before maturity may become applicable hereto. Payment of the principal of
premium, if any, and interest an this Bond shall be male in coin or currency of the
United Sates of America which at the time of payment is legal tender far payment of
public: and private debts. interest is payable by cbe* at draft drawn upon by the
Treasurer of the Authority, in Plymouth, Wmamota, regi l i under the Band Resohation
the "Rat l mailed an each interest payment date to the person who is the Owner
hereof at the close of business on the fifteenth day (whether or not a business day) of the
ealeadw moth immediately preceding suech Interest Payment Date at the address of such
Owner as it appear an the Bond Register maintained by the Registrar. Capitalized teems
used but not defined herein shall have the meanings assigned to them in the bereinafter
defied Bond Resohution. For the prompt and full payment of such principal and interest
as the same become due. the Authority has been authorized to pledge. and has duly
pledged, the full faith, credit and taxing power of the City of Plymouth, Minnesota (the
9-
This Bond is one of an issue in the aggregate prnapal amount of S
issued purstnot to a reschnion adopted by the City on January 29.2003 (the -City
Resolution'), and a resolution adopted by the Authority on February 20, 2003 (the "Bond
Resolution). to refund in advance of mapriM on or about April 1, 2003, the Authority's
Govemmeotal Housing Project Bonds. Series 1993, dated Octoba 1, 1993 (the `Project')
and is ismad pursuant to and in full.aonformity with the Coasdtution and laws of the
State of hame9ots thereunto enabling, including particularly Minnesota Statutes, Chapter
475 and Section 469.034. The Bands are iss malik only in fudly registered form, in
dencm. .. of $5,000 of airy Integral multipk thereof, of single manrifim
Bonds mamirirg on October 1, 2013 and lata years we each subject to
redemption and prepaymeot.at the option of the Aufamity. in whole or in part, in such
order of maturtV dates as the Authority may select and, within a maturity, by bu as
selected by the Registrar in multiples of 55,000 on October 1, 2012, and on any date
thereafter, at a price equal to the principal amount thereof plus interest accrued to the date
of redemption. The Amity will cause notice of the call for redemption to be published
as rogttind by law and. at least thirty days prior to the designated redemption date, will
cane notice of the call thereof to be mailed by first class mail to the registered owner of
my Bond to be recleaned at the owner's address as it appears on the bond register
maintained by the Registrar, but oo deka in or failure to give such mailed notice of
redemption shall affect the validity of proceedings for the redmption of any Bond not
affected by such d uct or Mum Official -otic, of ream laving been given as
aforesaid, the Bonds or pordmis of Bands so tote -'-- cishall. on the redemption
daft become due and payable at the redemption price therein specificd, and from and
after such date (unless the Authority shall default in the payment of the redemption price)
such Bands or Portions of Bonds shall cease to bear interest Upon partial redemption of
any Bond, a new Bond or Bonds will be uelivered to the registered owner without charge,
representing the reinaining papal rtinmumt ou tscul ic&
COMPLETE THE FOLLOWING PROVISIONS IF THERE ARE TERM BONDS -
ADD ADDITIONAL PROVISIONS ff THERE ARE MORE THAN TWO TERM
BONDS]
Bonds maturing in the year 20 and 20 shall be subject to mandatory
redmptiao, at a redemption price equal to than principal amount plus interest accrued
thereon to the redernption date, without premium. on January 1 in each of the yews
shown below, in an amount equal to the following principal amounts:
10-
V.t il.!.lU ' 1 l
Notice of tedemptiao shall be given as provided in the preceding
As provided in the Resobdon and subject to cmain limitations set forth
therein, this Bond is transferable upon the books of the Authority at the principal office of
the Registrar, by the registered owner hereof in person or by the owner's attorney duly
authorized in writing.upon amender hereof together with a writrm instrument of temn6
ctary to the Regisuar, duly executed by the registered owner or the owner's
attorney; and may also be sumendered in exchange for Bonds of other authnized
dmomimtions I Upon such transfer or exchange the Authority will cause a new Bond or
Bonds to be issued in.the name of the transferee or registeed owner, of the same
aggregeme principal amount, bearing interest at the same rate and maturing on the s
dame, subject to reimbursement for any tax, fee or governmental charge required to be
paid with respect to such transfer or exchange.
The Authority and the Regisuar may deem and treat the person in whose
name this Bud is registered as the absolute owner hereof, whether this Bond is overdue
or act, for the purpose of receiving payment and for all other purposes, and shall not be
affected by any notice in the contrary.
39
IT IS HEREBY CERTIFIED, RECnW, COVENANTED AND
AGREED that all acts, conditions and things required by the Constitution and laws of the
State of NInuesots to be done to exist, to happen and tD be performed preliminary to and
in the issuance of this Bond in order to mate it a valid and binding general obligation of
the Authority and City in accordance with its terms. have been done, do exist, bave
happened and have been perfarmed as so required; that, prior to the issuance hereof. the
Audmaigr has pledged to the payment of the principal of and interest on the Bonds when
doe culain revenant of the project, which revenues are estimated to be collectible in the
years and in aggReS - amounts sufficient to pay the interest on and principal of the
Bonds as they respectively became due but the Authority has, pursuant tD the Bond
Resohdon and with the consent of the City as arpresse 'in the City Resohnion, pledged
the full faith, credit and taxing powers of the City to the payment of the Bonds and, if
necessary for payment of principal of and interest on the Bonds as such becomes due, the
Authority is authorized and required to levy ad valorem taxes upon all taxable property in
the City, without limitation as to ate or amount; that the issuance of this Bond does not
cause the indebtedness of the Authority or City to exceed any omstitutional or statutory
limitation of indebtodmess; and that the opinion printed hereon is a full, true and c rect
11-
c_
spy of the b*d opinion given by Rnd Counsel with reference to the Bonds, dined%m of
the date ofarigiml delivery of the Bonds.
Tbis Bond shall not be valid at becom obligatory for any purpose or be
added to any se atity or benefit under the Bond Resolution until the Ca tificete of
Audmea" " heremr.shall bave be= executed by the Registrar by manual signature of
one of its awhmind npese adves.
IN WITNESS WHEREOF, the Housing and Redmelopmeot Authority m
and far the City of Plymouth, Minnesota, by its Board of CommissioneM has caused this
Bond to be ammed in its behalf by the facsimile signstmes of its Chdirand Smany
and has caused this Bond to be dated as of the date set forth bdow.
HOUSING AND REDEVELOPMENT
AUTHORITY IN AND FOR THE
CITY OF PLYMOUTH, M INNESOTW
12-
MIA
CFRTMCATE OF AUTHENTICATION
Thh is om:of dhe Bonds de iveted.pumiant to ire City %solution and
Band Rsolation.meoned within
Deme dAuthiso icemioo:
HOUSING AND REDEVELOPWMT AUTHORITY
IN AND FOR THE CITY OF PLYmoun .
rreanw,asasRegtstrar
V
By
rreastner
insert Ind opinion]
The folbwing abbreviations. when used in ft-inswiption on &e fame of this
Band. shall be construed as though they were written out in full according to the
bhe laws or regulations:
TEN COM -a4 tenants in comm UIMA .................. as Custodian for .................
Minor)
TEN Off -as tsmts by the rooted under Uniform Tra• -kn w Minors Amt
Jl' i1]d -.as juinm teoaoo with rigdt of survivorship and mt as tents in comm
A:hditional abbreviations my also be used.
13-
J
ASSIGNMENT
For value. received, the mdersigmed hereby sills, assigns and trap 6
unto.. the within Bond and all rights thereunder, and does hereby
awmcably aonstde and appoint anway to teamfa the said'
Bond an the boobs bept for registration of the within Boal, with full powa of
mon. in the premi.es.
Datod:
NOTICF- Ibe assignor's dgnaome to this.
assfgmnernt must aonesond with the nacne
as it appeal upon theface of the within
Bund in every part cdw, without alteration
at entmSement ar m+ chovVe whatsoever.
SWome Glnranmeed:
ftso ne(s) moo be gmranteed by as "eligible guaranom imtitut W moeft the
requirements of the Registrar, which requirements include membership or participation in
STAMP or such ad=" ignatme guaranty program" as may be determined by the
Rem... in addition to ar in substitution for STAMP, all in acco dwee with the
Soauides Excb=ge Act of 1934, as amended.
PLEASE DISERT SOCIAL SECURITY OR OTHER MENffYING NUMBER OF
14-
A
Section t L'se— ofAocek UponP®Ument for the Bands by the
Pklyd a, Bond .prooeC In shell be used as follows: (a) $ shall he
depoanted m the Pbmowh Housing and Redevelopment Au*mity Bond Fund, Series
1993 – Senior Apartaments Projet ectsbifis wd far the Series 1993 Bonds to be applied,
tngetls, with moneys in the amount of $ held in the Pbnmouth Housing and
Redevdopmeot Authority Renn'e Find, Series1993 – Sagw Apamnmts Project, to the
ren and prepayment of the Series 1993 Bonds on April 1, 2003; (b)
shall be used to pay casts of ism m and
Constituting mosed discount plus aoaued fioterem). shall be
deposited in the Goverrmenial Hoeft Project Rdin ding Bonds (Cily, of plymnuth,
liftner4ft General Obligation), Series 2003 Bond Fuad created in Section S.01 hereof..
Section S. Security Prounion
S-01.
7bem is hereby este .:fished an
the official boobs and records of the Aud wily a Goveramenml Housing projectRefunding fPPbmwunh. bfimmota, General Obligation). Series 2003 Bond
Food Me Fwn and so long as any of the Bands we outstanding and any
priadpal of err fintnest thereon mepaid, the Secretary shall comm to maintain the Bond
Fund, and the principal ofand interest an the Bonds sholl be payable therefrom no
Authority irrev cft appropriates to the Bond Fund (a) $ representing
amounts held fin the Plymouth Housing and Re&wdopmtes Authority Resent Fend,
Series 1993 – Senior Apartments Project; (b) net revenues of the Project appropriated to
the payment of the Bonds and interest dmm in accordance with Section 5.03 he eo& all
mm Collected pusuaot to Section 5.06 hereof; and any other foods wap and by theBoardforthepaymentoftheBonds, included additional revenues Collected pursuant to
Section 5.04 bored
5.02. Whiency of ftWect Rmatues. As stated in Section 1.04 hereof, it
le projected that the net operating revenues of the Project, atter deducting from the gross
receipts derived from eta for the use and availability of the pndm the ootmal,
current and reasonable cqxmm of operation and mafintemume thereof; will be cuffdent,
with any other pledged finis, for the payment wr6en due ofthe principal of and
interest on the Bonds and an my other bonds to which such revenues are pledged.
5.03, gocect Rema= The Authority baft coverts and agrees with
the registered owners from time tD time of the Bonds, that until the Bonds we pard in fill,
of we discharged as provided in Section 4 the Autbority will impose and collect
reasonable charges for the use of the Project according to schedules mdficicot to produce
act M=m SUfficitat to pay the Bonds and any other bonds to which said net revenues
have been pledged; and the net revenues, to the errtmt neeessery, are hereby irrevocably
PICW and epproptiated to the payment of the Bonds when due. Nothing herein shall
prelude the Authority from bw atter matting further pledges and appopmons of the
ret revenues of the ProjeCt for payment of additional obligations of the AuthorityhumberadmimeodiftheBoarddeterminesbeforetheauthorindonofsuchadditional
Obligations that the estimated act revenues of the Prgject will be sufficient, together with
M
any other sources pledged to the payment of the outstanding and additional obligations.
for payment of the outstanding bonds and such additional obligations. Such firthes
pledges and appropriations of act tevemres maybe mode superior or srbordiname to oron
a perily with. tho pledge and appropeial
i
herein made.
5.04. Additional Revemmes As additional revenues of the Ptutja% the
Authority hereby pledges to Levy such amount from the fax. authorized by Minnesota
Statutes, Sedim 469 033, subdivision 6, or provide ham other legally available funds of
the Authority, arch amount as determined by the Authority, as shall be required to came
the Papject revenue in each final year of the Authority to be not less than 110% of the
principal and interest da an tha Bonds for each year during which the Bonds will be
outstanding
The Authority shall promptly pay to the Registrar as additional t-vem>es
pursuant to the teems bereof following receipt thereof by, or avm7aWity to, the Authority
such amounts as maybe nese my to pay debt services The Authority's obligoden to
mate payments under this Section 5.04 shall be limited to amounts actually received by
the Authority, at otherwise mailable to the Authority, from the sources suit forth in Ibis
Seddon 5.04.
5.05. Notification to City of Deficiency: Pavn>ent by City. If due
Seeresuy determines there will be insufficient fiords on deposit in the Bond Fund to pap
the debt service an the Bands an the next following April I at October 1. the Secretary
shall immediately notify the Authority, the City and the Registrar that n deficiency exitiI
Pursuant to the provisions of the City Resolute the City has covenanted and agreed. as
part of the pledge of its general obligation to the payment of the Bonds, to immediately
pay to the Registrar 8emm any find of the City available far such purpose, including its
general fund. the amount of such deficiency.
5.05. Cash Flow Proiections: Payment by Glyn. Levy of Taxes: pledge of
jginng, For the promupt and full payment of the principal of and interest an the
Bomb as such payments respectively buxom- due, the Authority has been aphorized to
pledge, and hereby does irrevocably pledge, the full faith, credit and unlimited taxing
powers of the City and covenants to exercise such powers on behalf of the City in
a000rdanoe with this Section SAS. R is haft estimated that the Project Revenues
pledged to the Bond Food in a000rdeace with Section 5.03 hereof will produce amounts
not Imam five parent in excess of the amounts needed to mot when due the principal
and interest payments an the Bonole, and therefore no ad %Aotem teas we required to be
levied by the Authority at this time. However, to assure the timely availability of foods
to pay the principal of and interest cn the Bonds whendoe, the Authority shag proceed as
follm=
a) On or before October i of each year in which Bonds are outstanding,
the Authority shall prepare, or cause to be prepped. an -the basis of actual
occoptmcy rates of the Project and the then current Operating Costs and Revenues
with reasonably projected Austments applicable to, the oext calendar year) and
taking into account moneys then on deposit with the Regiwor for the payment of
V
16-
principd of. preeniva JmU, and interest an the Boods, a cash flow pr*cfm for
On next ical nder year and shall deliver a copy of sucb prgjectian to the -Registrar
mrd the
b) In the event that such cash flow pt4,--ien does not alm Net
01 d Revenues (being R,r,rmucs less Operating Costs) equal to at least 105%
of scheduled debt service an the Bonds for the April I of the next calendar year
end the October 1 of the second -following mlendw year, the Authority shall
no* the Chy and. if the City has not provided funds to the Autho ft by the
immediately following November 1 from its available @nest funds in an amount
whic4 togNher with the pursed-' Nct Operating Revenues. will eq ual 10596 of
such scheduled debt service. (the "City Contribution`% the Authority shall levy ad
valorem trams against all taxable property in the City for collection in the nate
calendar ymr in an amount equal to the requited City Contribution. which traces
may be levied without limitation as to rate or amount
c) Notwithstanding the foregoing, the Authority recognizes and alums
that its liability with respeet to the Bonds is not lindtod to the levy of teams as ser
f & in (b) above, and the Authority afnms and covenmts that it shall levy and
cause to be acoetde I assessed and collected any additional ad valorem taxes an
all taxable properly in the City found necessary for the full payment of principal
and inwrect an the Bonds, which taxes may be levied without limitation as to name
aramoumm.
Any amok received by the Authority fiom the. City pursuant to subsection (b)
or firm tha levy of ad valorem taxes pirsuam to subsictions (b) at (c) shall be
I tted to the Authority sad deposited into the Bond Fund.
N - I ithstand ng the foregoing, in the event the date for the Auft ill to certify a
proposed ad valorem tax levy to the Canty Auditor is requited to be price to Novembe-
15, then the dates in this sectim shall be modified upon written notice by the Authority to
the City to, dames selected by the Authority.
Section & . When all of the Book have been dinged as
provided in this
seeIi,
n -all pledges, covena nh and otherrights granted by this Resolution
to the registered owners of the Bonds shall cease. Th a Authardy may discI ge its
obligations withresp,-- to may Bonds which we due en any date by depositing with the
Regcsstar an or before them date a sum sofficient for the payment thereof in full; or, if any
Bond should not be paid when due" it may nevertheless be distbatged by depositing with
the Rq*Mw a sum auk for the payment thereof in full with interest accrued fiom
the doe date: to the date of such deposit The Authority may also, discborge its obligations
with respect to my prepayable Bands called far cede option an any dame when they are
prepayable according to their terms, by depositing with the Registrar on err before that
dote an ansourot equal to the p inelpol, interest and redemption premium if try, which we
thendue, provided that noti,e of such redemption has been duly given as provided herein.
The Authority may also at my time disc harp its obligations with respec to any Bonds,
meet to the proves of law now or hereafter authorizing and regulating such action,
IT-
by depositing inevocably in escrow, with a book qualified by law as an escrow agent for '
this purpose; cash ar secne— which are authorized bylaw to be so deposited, baring
interest payable at such time and at such rates and manning or callable at the holder's
option on such dates as shell be required to pay all principal, interest and redemption
to become due thereon to aaU ft or earlier I igoate I redemption dote.
Section 7. hmm of Additional Bionds. In addition to the pineipal
amount of Bonds, whose edoodcadion and delivery dog provided fie beein, Additional
Boods, payable from the Bond Find on a parity with the Bonds, may at my time and
from, time W time be emma d by the appropriame officials of the Authority and delivered
to the Renter for aathmticaotian, for the purpose of funding improvements to the
Patect or for refunding atstand;ng Bonds (or p mvio>ssly issued Additional Bonds), but
a* if the Authority shall, in its discretion, deem it advisable and only upon the
Aurft ty obtaining for its files the &Uuwimg:
a) an opinion of nationally recognirod bond counsel (i) stating that the
series of Addidomd Beads, when issued and executed by the Authority and
noMenticoad and delivered by the Rgar, will be the valid and binding general
oblig3fians of the Authority in accordomce with their senna and (i) stating that the
issaace of such Additional Bands will not affect the tax-exempt amore for
federal, In purposes of the Bonds them Outseading;
b) a certified copy of the resol tion I i pted by the City approving the
issmace of the Additional Bonds and mdkaiz ft the pledge of the general
obi of the City to seuxure such Additional Bands; and
c) a certified copy of the resohnim adopted by the Authority authorizing
the.ftnamom gad delivery of Mach genes of Additional Bonds.
Any Additional Bonds shall be doted, shall bar interest at a rate or rates not
emeaedmg the maximum tate, if any. permitted by law, shall have seated manady dates,
and may be subject to redemption prior to their steed maturities at such times and prices
and on such gems and condition% all as may be provided by the bond resol tion
w0horiziog their provided that the principal payment doe of any series of
Additional Bonds shall be February 1 and the interest payment dames of any series of
Additional Bonds shall be February 1 and August 1.
8.01. Regiandonof Bonds The Seare*.ary is hereby authorized and
directed to file a certified copy of this Resolution with the County Auditor of Hennepin
Cau W and obtain a certificate that the Bomb have been dudy catered upon the Auditor's
bond register.
8.02- AidheffimmonoCCOMM The officers of the Authority and the
County Auditor are hereby authorized and directed to prepare and famish to the
Purchaser and to Dorsey A Whitney LLP. Bond Camel, certified copies ofan
19-
proceedings and records relating to the Bands and such other afiidevim antificales and
infcem - as may be requived to shove the facts relating to the legality and naaketa1hility
of dw Boark as the same appear feoea the hooks and records in their custody and control
or as of awise known to them, and all such certified copies, affidavits and certificates,
induding any heretofore fid, shall be deemed represcotations of the Authority as to
the correctness of all statements comaimd therein.
8.03. Official Statement The Owl Stamm relating to the Bonds.
MW Fehnmry X03, prepared at behalf of the Anthority by Sprittgfed
Inaoorporated. is hereby approved and the officers of the Authority are hereby authorized
and d'nected to etretute such certificaoes as maybe appropriate concerning the accuracy.
completeness. and Bey thereof.
8.04. Extaxtion, afather Doommft ard Certi The Chair and
Secretary of the Authority are atubormed and directed to acecvte such other douamuents
and dosing certificates as may be reasonably necessary in connection with the ixsumme
and delivery of the Bads
Section 9. Certain Covenants Relative to Operation of Proiect and Tax
9.01. Covenant Relating to Opeatim of Pwiect as Oualifiel Hawing
Development Proiect The Authority therefor covenants that, so long as the Bonds
remain orrutundittg, it will operate the Project as a "qualified hoaxing development
project within the meaning of Mionesota.Stmutes. Section 469.034,
9.02 General Tar Comma nt Chance of OwneshimKmses and Other
C.onleacLi The An*aft covenants and agrees with the registerod owners of the Bonds
that it will not tale, or permit to be taken by any of its officers, employes or agents. any
Action which vmwM came the interest payable on the Bonds to become subject to tatmtion.
under the Code and -1' 11 Treasury Regulations (the "Regulatio w'), and coven ms
to take any and all actions; within its powers to ensure that the interest on the Bands will
not become indtrd<ible in gloss income of the recipient under the Code and the
Regulates. So long as the Bonds remain outstanding, the Authority will remain the
owner of the Project unless the Authority shall obtain for its files an opinion of nationally
reoognizo 'bond counsel to the effect that the change in ownership will not result in a
violatim of the Act and will not pndudim rho eimoptim from federal income tax of the
interest on the Bands. Further, the Authority will not enter into my hose, we aglam %
management aBtamem, or other agreement or contract with my --- --
person relating to the use of the Projector the security for the payment of the Bonds
which mi& cause the Bards to be considered `private activity bards" or "private loan
bonds" purswat to Section 141 of the Code, and will obtain a confirming ophdoxt of bond
counsel print to entering into ate+ such hose, agreement or , m n- 1,, (other than leases of
rental units in the Project in the ordinary cowse of business to persons and firo>ilies;
imeodrt9 to reside in such uni4
19-
J
9.03. A&== Rebme &mMjM ft is hereby fund dot the Aulhoft
has general axime Powers, that so Bond is a "Oveme activity bandr within the meaning
ofSecdm 141 of the Code, that 95% or mmofdte act paceads of the Bomb ate to be
used for local gaventmocutal activities of the Authority, and that the a V I bee
amount afau oblwhoms; (other them pm to activity bonds) mund by*e
Au shodoy and all subordimft entities thereof du dmg the year 2003 is not wessoombly
etepectedto exceed$S..OKOKlberefamporsoWtothe provummafSection
148(f)(4)(D) ofthe Oak the Audwily-dwO not be reequnedto conq* with the arbitrage
rebate tequn I of paragraphs (Z)and (3)afSectioal4g(f)afthe Cede
Upona, vcft being taken an the foregoing Resolution, the following Commissioners
VolOdinswadthereof:
and at mimuring voted ovjm the
m&uupm the Resolution was declined My passed and adopted
20-
COUNTY AUDITOR'S CERTff1CATE
AS TO. REGISTRATION
0
The undessigm4 being they qualified and acting County Auditor of
Heatxpm Candy, bora. hereby certifies that &,.a bas been filed m my ofve. a
cerOR copy ofe. solution duly adopted on February 20.2003, by the Rousing and
Rednrdapm a Authority in and for the City of Plyrnomb..Nbnesotm6 setting forth the
form anddetails of an issue.of S Governments! Housing Project
Rdmvftg Bonds (City of Plym sk Minnesota, General OMigetic®), Series 2003, dated
asofMarch 1. 2003.
16 certify that the issue has been entered an net bond register as
required by.Minnesota..Statutes, Sections 475.62 and 475.63.
WITNESS my hand this _.day of February, 2003.
21-
Canty Auditor
14
4
CUTOFPLYNDUM
110MMJIMR>WARD6; SS44T.
DATE'. February 12.2003 far Housing and Itedevelopment Authority Meeting of
February 2% 2003
T02 Pb=u& Housing and Redevelopment Addhodly
FROM: Ttacry Jonc% HRA Sped" *ran* JWBZR HmiRll PWV= ManaW and
Amcj!&xvkPecufivc, Director
SUBMIN. Fad Tim Homebuyer ftarm - Procedural Guidebook Revisions
The pbmou& Hom% and Redevdolmsent Authority POW operates a First Tum Homebuyer
Program whirlis fimded through Community DrMopnum Block Great Farads: From time to
time. staff reviews rho program pubmea to cum= cormstency and compliance with applicable
laws and nVolations. The gdddmk was last revised in June 2001. After review of the
procedural goidebodI6 deffidenfified a nmnber of items that needed to be updated and/ or
revised. Based an this review. the fidkmft changes we being recommmdodL
PROPOSED CBMGES
MazlommimmAmount: Staft'proposes that the m0asimxxm ban anent be increeced Gem
520.000-00 to 525.000.00. By incressft the maximum I= amount to 325,000.00. staff is
hopeful the a larger percentage ofnew and existing homes within the City will remain
affanhbletoboyematarbdm8WAafmedian income.
L MjdkdoLbIM Staff also proposes two chmantothe ban mon policy.
Our, , - guidelines state that all current and li ap imp 1propertyliensmudequaliessfim9VA
afthe appraised vdnofthe property. Under fhb proposed changeaH current and proposed
property fiens mod equal less than 95% of the appraised valve of the property. Our current
smiddions also soft did at least 8096 of the cash mcch-ed fiem a lom refinance muxst be used for
home`imII I I '. - related expenses. Unft Me proposed change 7096 ofany cob out would
need to be used towards these hsprovemu mt% haft the borrower with the remaining 3096 to, be
used fbr other expenses at debts. Both these cbm*m we rellective of Iowa ininterest
rales which correlates to the numerous subordinadons the HRA has processed or reviewed
raceaft.
Staf'also proposes a ctavge to the Family
and no rim namcioyer Zutioaa listed is Appendix A our wma pabancs.limit:ac
definition of Family to a bousetiold with dependent cbildzeq a Aonsebokd with ana or more,
peesons wilh.dsdnTde% a bousehold with a single pewon living or woeA g in Pbmoalb or a
bousabdd with a ma did coapk cam+emly living or wosldn in Plymouth. Under tba proposed
age. do definition of Family would be more bwad. Our aurent guidelines limit the definition
of Fbit rme Hamdwjer tD a firmly wbo bas mt owned a dwelling of any kind witbin the
preoediag three yeats.&om the date of ca. Under the poposed cbauM do definition of
First Time Hca *Wer would include som0000 who bas been dislilaced due to a divmoe
I reemtmaend the 11" Board of zonas review the revised fkd TT=e Homeboyer
Proeedarsl Golddma and approve these s -bin asoudlued luthe a - 1 1 Re:odstim
Attar
1. Resolution 2003-06
X Fust Tim Hcamebuyw Procodund Guide
A
BRA RESOLUTION 200346
APPROVQiG REVISIONS TO TBS FIItEr TOM BOMEBUYER PROGRAM
PIIOCSDURAL GUB/SLQiSS
WIRsREAS, the Plymouth Housing and Rem Authority operates a Heat Time
Homebuyer Pr gram funded by Comity Developer Bioei (haat fundi and
WHEREAS.. the First Time Honmebuyer program is administered according N the policies of the
Pwoodaed Goiddim and
WHEREAS. ate@' has revised the Procedural Guidelines to comply with all federal eegulatioets
and to meet ft -housing gab ofthe City of Plymouth and the HRA;
NOW. THEREFORE. BE IT HEREBY RESOLVED BY THE HOUSING AND
AunWRrrY IN AND FOR THE CITY OF PLYMOUFH
MDMMMA. that the Awlwdy approves the attaehod revised First.Tune Homebuyer Program
Procodural Gmdehnes and aemcim L,all previous muouL
Adapted by the Pymomh itowft nd Reoeve bpeet Authority an Febuaey 20; 2003.
IN
FIRST TIME HOMEBUYER PROGRAM
GUIDELINES
CITY OF PLYMOUTH
HOUSING AND REDEVELOPMENT AUTHORITY
3400 Pbimoals Baa4war4 ft -aml4 M 56447
TABLE OFCONTBNTS
PART vEnkt. `_'ROGRAMDESCR1pnm
P
Pt ig Gods
P Administmtian
ftposeohhePmw=GW&ii es
PART WPROGRAM POLICES
FinaoeWial Aasisteoor
Rew=Wities of the FitU lime Homebbw
RewwAWities of &e Lader
Rewow&fltiesof elle HRA
Application in the HRA
Surxmlgy ofthe AppliWdM Ptooess
Etigb q Requ '
Dema! of ftUft
Dwdhop
AppficlikPod
Sdadw fiam the Appheaas Pool
1
l A
C
WYmW
PART m: PROGRAM RUIM
Laden
Lead Based Pam ll : d Reqs
Rgmymeot of A=i 000e
Fa gimftaa of bmbb wise
mmass=on is 8
TWBMd
Modific&dw and Taminauon of Pn mg-
APPENDIX
ASA
Defimtiom
Eooame I.imita
Pa amig Cadens
2
3
4
S
S
6
6
7
7
7
8
8
8
8
9
9
10
10
It
1.1
12
12
14
14
IS
1S
Ma Plymoueh Housing and Redevelopment Auftnty (HRA) aPaahs massusenvapmWasafor
bunownaft funded by the City of Plymoath's Community Dev bpmmt Block Geon
CDBG) Program 7be HRA opera- ends program ort behalf of aed as. the agent of the City of
PbmxML 7M Fust 15me Haemdmw Rosraat Provides Financial asdsu= For low and
a 1 1, 1-1i one Ha>selkohis to become baa OWWVAf .
Addinisbation of the First 4 me Homebu)vr Rolp and the fumedm and respomibilities of
the HRA stuff diall be in aompliamoe with the U.S.. Depaemt of .Housing and Urban
Developnrmt (HUD) CDBG regulations as well as all Federal. State and Local
laws and with the ndes and mplabous goveming Fair Housing and Equal Opportunity in
being and emplgmcoL
The HRA shall not deny any Family or imdividteal the equal opportunity to apply for or receive
nee under the Heat Time Homeboyer Program on the bads of rata, color, sea, religion,
creed, national ariy% ar, familial or marital status, hmd m* or disability, sexual or affection!
orimI Ii, or reliance on public amismnce. -
h
7be Pbmadh HRA's office m accessible to persons with disabilities. Accessibility fcv the
bearing impaired is p ovided by the lbw Relay Savice and the City of Plyatoutb `MD.
The Fu tilt I me HomebuyerProwszot s the folbwdog1 uo gosh:
a Assist low and amdeeate-inoome families to pmcbm !tome withsn the
City -of with down 8$yment. Clo M ComMd
b. Rename emporia lft borne ownership.
i
Me Program will be administered through the Pamout6 HRA. &Wetted applicants should
contact the Plymatth HRA staff by galling (763) 5096-410 at appearing in person at :t•100
Plymouth Boulevard,.Plvmovsk MNi 55447.
Porpasee[thepagP Goidtftes
The propose of these Guidelines is to edddM polus for caeyiog out the Fan Time
i atnehgia Program in a manna consistent with HUD eegniemtems and local gush; anti
objectives contained.m the Coosolifted Plan and Annual Action Phms. The HILA is responsible
Por eom;Aft wM all chaffs in HUD wguleaic— paI to dw CDBG program. V such
aha comfit HUD regalatiams well Dave precedeoee.
Applicable regablions inchsde:
24 CFR Part S: Genasl Program Raquieements
24CFRPaet.8: 11, 1'"imination
24 OR Pact S70: Community Development Blest Grant
Tepalr.MLap to SO groans of thei
e wIttap to 100 percent of eligible Closing Coats not to exceed SS,000; and/or
J • .tlre mortgage pemapsl up to 1096 of the. pie price to a mavomum of
S1SM& Boreowees are expected to contribute at least 28% of their gross qualifying income
toward Iheir momthb peymeot before Plymouth's financial assismace can be used for
eedttcIi
ofdomortooeprime4 —
The 6nenaal assistance will be provided at a eninimum amount of 53,000 and a maximum
amount of 329;990 t2S.000.00. In certain situations. Me HRA Executive Dn_cmr may allow
assistance in excess of the maximom at their discretion. The HRA will mate a dete miemtian on
Me amonot of assiatanoe an applicant gtmlifies Por. The HRA will mate this determination after
reviewing the ms's verified income and assets, estimated Closing Costs, Fumbase
agreemenR and hmdeds eeoommeiodmions for fimneial assist = in complianoe with uses
described above. Undcrs most provide deeaasta Mrs moval letter indicating the
masrimam amount of financing the borrows wouhi.gualiljr Por Got the first mortgage lender.
The HRA wM vaifjr an applicant's income and assm through third patty wilt veificadoos es
provided by either the hmder ar as sough by the HRA. The HRA sem• eo verify woome and asset
Ion provided by the lender. The HRA will caladate the ms's Gross Arcual
Broome ting M oft and eewd tax moms or thud no verification as defined in Appeodkit
A to gimme the Fatuity gnatifia as a roar at mo1e1 imomc Household as mgrs W by CDBG
regnlatiaets and to dm mine the maximum amount ofassistance.
Financial assistaooe wM be provided at the time of Closing on the property with the following
conditions:
Sdeoted apph=rb mint mat 16a eequiteme>us of this PraV m sad be etigbb for the
fioaocial
lane PM-.
Me bousietg Dail to be pmcbaed sad the pmahale price must be aexepted by the HM as
matingthe WM' and a 1 111 ofthe p qpm.
no fiowxm ,stsaoe provided by the HILA is in the farm of a defaced ptoes.
The bomc mWn mast cnw isms a wooed mortgage •md e:oa I a p mm&mw note
with the HILA providing for apeponmm aad focgivmess of indebtedaas
mWaatt.
Rnpoa tlaofthelimrime omomw
The wesponsMUft ofthe prospective bomebuyees are tw
CompletS sip and IN the AppHcafiM Au&wizadm far the Release of Information
ftM and m6a acetification and vaifrcemen femcs within the time frame specified. -,
NolioeofEstimateafFtopapiVakeProvidedbyBgato,Sdkr
Noticeofla*ofPra m ofEmineMDomainbyBuyer
Native of No Diaplaoemmt of Renter Regldrad by Sdkr
Sdaot a real estame e if ene is desired.
Select a dwdbng in Plymwxh fin' pnohase that. is oaaa ooavied or vaemY and is an
WAW So P go
Plevride mem tbrettgboul the piooess as regv;eed by :he kmder or HRA.
Emoo to a pnrdtave
Etoeaime the hosder'a
Etoecutathe.HRA's mortga®e scud promissory note
Close on the praposRy within the time frame specified.
Exacuto athereeq f ' - ' fmmt within the time Brame specified or nquized.
Tdoe occopency of the dvrdling within 30 Cksin hoemestead the property. and
aoatinae to occupy the dwelling as your principal place of residence.
J Was principal. ' and inwQanoePRPUMU as required.
Reimbtase the HRA in a000rdeooe with the HRA's mortgage and promissory note sbcold the
FitrTime Hoamebuyer nigger crprgimmt dough sale. main& twa 6 of ownasb* or
tbreelosum within 30 years or deBmh on sgr other tams of these doannoft
Rt=po of the larder
Me leader most
Vatbr the prospective homebuyedh income and assets to determine that the Family mects the
regnitemmts of the Program and submit a copy of tha vosifiatiao to the HRA. 'Ibese copies
must be snbraitted to the City at least tin days prior to the applicant sigoiog a pueehme
a8Reaoeot.
L1om ta the mortgagq down pgmm% IS ge payments and Cla ft Casts of
Camreniaosl. ARM. Famtie Meq FHA and whose VA mortgages to determine
tha most cost ve and appropriate fan of finsocing for the Fust 'time Homebuya to
use.
Provide the HRA with a oreaoraval letter alalias tha maximum morMmrae =w M the
4
Provide me HRA other ve iHcafim mameeials vs:regire-1,1 by ftAPA
Process a mortgage coudso t.vA& the Progtani..
Ni tell deedtias m a timely MAm espem V dm them relate to the Closing. All
docrmsmms most be complemed at least 10 days prior to the Cloning. sen be delivered to the
HRA at last aeveo days Defiire the Ciosin&
AV" prapagr to demamine the loa•-to--
Reapos Mw- i of the HRA
12e reW3mAMes ofine HRA hr ft Progam are to:
FamblM P my regimemmis sod aAminiar the Pro am.
Send a qob appy the Appboodaar final the Amboy urian for Release of loformad n
fad and oma oadficefi n and veofieaodm farms.
Review the Anhothm and other mammal mr elSbOy.
MOM the pool of eligible parfieipsams and maf:e sdections [or participamion in axardaoce
vrith me edectYan proviaans.
to4 Wbcwn wlam mdWW-
0 Direct prospective buyers to re&w fisr me CASH. bomeb%w wo&ftpe and provide
and finis aboad to the. Program.
Pta•ide liaison services involving the prmpectivabnyer, border and erpr real estite agent dsam
might be inwtved in the
Reviaw appeaiael. pmc1 aReemmm. etigift sad mortgage Por coodstc=7 with the
Prepaee andmmyrftHRA moetgage and piomisaory mase.
Provide fine wtiel asdataaoe according to Plop Guidelines to the appVtow at the time of
closimt
Service the HRA martgaga
Nadu err tamidame the Program a maybe appropriate ar mgoim&
AppOw im tD the HRA
5
i
It is she rempomsibilily of mh applicant to assate that she HILA reodves his or ba apptiealim
Only qpbtodm wish caWnd will be accepted App !grad to City Nall wt71.
oatbesooemod
At tha dome of appliadon, appticmb amt psovide she HILA with the Wowing Wam&adm and
meet she d4pft requtit
Names of all Fwaft members
Address and teiepbone number
Social Secoz*u aabemmftmafallafths
Daw of hmh of ell Famiily membri
Nambaofa binFame'lr
Num berafahildtm in laamr'ly
TateLchass_Ammalionome Arms all soma m
Leaglh of time (m years and months) at present address
Leathree preu iam addresses
to cadm if epplicant ever awned a dome
of lte Prtoe -
D'!be .ia a oftbe appUcation p mem
The applicama for and attends she 1 m o 14 wmtahof series tbroetgh Clogammity
Ad m IbrSabunbm!%pin i
The q*H=nt aaartgn hr and attends a private housing co>nseng session with Community
Action for Suburban Ham.
The applicant sehama boder and appliesshr mortDuge pm- ppmvaL
The applcent.etaastddlrcomplcs and eargFnst Time "If lead
based paim I I ceetifieeliorh and authorization far release of intfa ms to the
HILA wish a merFSe p m4pptoval Mier liom she boder.
The ap N=at sem bea fora home in Plimaash.
The gWficm t enters inn a purtcI ageemeot ad contacts mit d w.
The !coder ad mixes appraisal of hone.
The Nader coa8kens awfi am's mare digi'bi4grand approves purchase.
The leodercoelaeta she HItA wish aupportirg doamrentatim..
The HILA wroages titr a b dAmsed paim hard inspection of the property_ if the darelline
was bmh liar to 197L
The HILA SpeeielisMwice. appraisal, putmbm 8 good faith
and eli b vaific * for oowy wish p qp= goals and mgWnm ft
The HRA i er.
losing
The BRA attends the
To be clkpW to pattidpeI inthe Pmp the mast moot the wing0*1atthetimeofI
Mast qas* as a Fsmft as defined in Append: A.
NO be a U.& dtiaen arhave legal immlymfim stain.
NO be a Hint Time Hamebuyw, as defined in Appendix A.
Must aoR bene a Goss Aeemal loeome that e:aeeds the =d mm listed in Appendix B based
an FaoslLy situ Inoome limits will be moved m mny to m&d the a umm year's CDBG
mmhm minoomalimits.
No mi bwe Gross Auft QOeOdalg eQ whitdt atclndect OTIC autanloM'!e, I
M=have a mitrimom ofSO pacmm ofdta down pepum% ifam is tegl,
Mast and the tow&uo nts of a petticipad kodutg: and glailify for a fiest
te 8
v !` l_ l itC int:'+C'1f L't1iUll I1 1L.z1 tLe L!.^ da— — ll L L.J!l' + L.
U - 477-t _LLV_.iNl SSW
in•
74
MW HRA wfil semw and vu* all oppficafim fin ehgbiq Tbose sppbeams not meed the
d*mft tegmiemales will be scot a wn'ttm notice exph bft the nown(s) for denial of
P now -
Atanls teaatft ineeotetmiotl ofelig!'bility madam= map be made in waiting tot o IA's
1+lcmwm Dn aaor and dm to dm OU Board of Q==RnRn A=mh dent cleatty do to
nta L -.Nm n%ty mmtimatmta an'll not be candit ed_
To be e§Sft the p gmiy monomeet the aM wieg tegnittmmmt~
B'4 keemed within lira ChF of Plymouth.
Be a aftb* mfr dwcRW&.a tewnbotwe wk or a madominiam udt
Be aconbmfg we as defied by ft Plymouth Zoning Ongo=e.
ee eaeofl batadpain ha:ffida at the i mofClaa>ng.
The HRA mer ragvke m bgm:tim of tea dwdliug for compliance wits the Plymouth Hauft
Code (1W= Hmm Code). 7be HRA wM require m inspection of all dweUmp brill prior
to 1978 for comoplisoce with HUD's leed•bnsed palm darszd re®dation&
AppliaptOoh aeh
D& HRA w81 putdiase and dhsamhm infammatim to make krwwn the evaild ty of
homaoamnaa141
asa1 -
on a regular barns Rough a varidy of media and by other suitable
meson, the avmMft of =wtanca vA be wed in other service pmovidas mad
Raaltors in >M oammmmigr and advise sheen of the g d&h m so teat they can maks proper
reti mb Em tits Pr m 9 , Rub= will be m wmvpd to provide additional mica to digitile
diems l acommte their suooeaaful utitiaalim of the program
AppNcmtftd
The apphoom pool fit the Preston dmH consist of all those who have completed and returned to
the HRA acommpbeme appti written vaification fwtmzL&w lender of pre -approval, and
who are detamimd by the HRA tube dig<b L
SelKdm k m able Ap~ bbol
As fimds are avaiblik applicants will be selected fiom the apphcam pool an a first coma, first
save basis. Ebgbte appliesms wM be selected for fimd'mg when tttay or hair lander notify the
HRA of the appiicsm's approved pumrAage agreemem and mortgage. V finding is limited and
more man ane appHeam is at the star, the HRA will provide finding to the apple m
Am gostifia for the most jeietmoe points.
Ndaeme poims bout ban established to meet the goals of the H RA. Emb prdaeaoe category
is worth ane (1) poia The moxionon poims coy ane Fa mly could receive wadd4w are five (S)
poims. Familia with the highest point totals wmd& w.Abe selected first. In the mm of a tin a
or bmm will be held to rank the annliaants within each of dm preference co - i its
Appliesm win dependents tinderage 18
Uwe in Pamm u& at last 90 drays prior to Cly
Had orco,4wW bag p domey, beg•tam empbaymem in Plymouth
Cloeady holding a Pbmwwb SeWm 8 Vatttber
Never owmd a homer (vtxans having owned a home overthree ye ago)
An eFpmgm
Sebedion fi+om dte app&M god is wMn and oo"G=L Rmift sdated fitr participation
mmol fidfilt the Program obligations in a dmdy mstmer and most mwmain eHV'W to e
based m the pmugtam regakeme is mmd those of the larder thtougb the tbm ofCbsing.
Ilmder Oaheaeh
7be HRA will solicit leoda pmiticipatim as meded. The HRA wilt review regtmests fiom lenders
to be mptpmoved as a putiapatiog lender of the First 7yma Hamabayer Program. 7be leadem must
be FHA approval, partidpete in MWA mnrISe prapams, and emit a rv'Qirupueas to ptovile
morlgsge produtc- to low and modaata-inmme HoosebrAdL
The leaders and their representatives kneed in App C save apexed to participate in the First
Time Hamoagw Propam and have been approved by the HRA Appticams must contact are of
these
paefi %
Ii
leodees and male mragSs for
Finamciai mance under
Six Pray wall not be provided to serene martS S fiomr rage other lenders.
ural Based Pabrt award
The Lead Hazard ktoumation PampNet will be provided to every appficwL All applicants
pmchasiog a dwelling built prior to 1978 mast sign a ca mdm of receipt of the I
Belbre sipring a p rchm ag the seller mast provide the potmu the
required disclosure farm: the applicant cam tbm exercise their option to test the be= far
IrMA:1 heaauds
As a coo " inn of bmdbm the applicant wall be required to prmchase a home face of LBP
I arm I Final approval of the pwperty will be dependent on a physical iapeetiaa. If the
draft was built prior to 1978, this wall include a Visual Assessment for deteriorated paint.
The CWs HQB inspector will perform the basic Visual Assessmemt. Applicants wi0 be
imfoond that the inspection is only to detamioe the presence of deteriorated paint and that
ft aheaWm-mLabuo -wimMobtant a complete Home bapection him a certified Home
if deteeiaeaee'paint is found. a Rist Assessment will be required. 'the appliaat will be
responsible far hiring a oatified riot assessor. The HRA an assist the applicant by
providing inbrnabom on comfied Rist Assessors. The applicemt must provide a copy ofa,
clean, Rist Assessment report to IM HRA before the home is approved for assistance. Hthe
appticamt rebses, the property wall mot be eftib!e br assidamcL The applicant wM and to
find sm oMer house that is at wall be made LBP risk five in order to qualify Sr assistamee.
If LBP risks are bund, stabilization of the ddbctive pain. cleanup and charaooe will be
regnieed Debre fiends are approval br assistance. The preseoe P of LBP riser should be
troeted lube amp other debet band during am imspectiam rad maps be ngpdated between buyer
sad seller. Cleaeamoa wall be enquireIt 16 A the home can be sa ft occupied and will assure
that there ate nes r S ked bazards. The appliast will be tespoodW for obtaining
proper eleaeamoe throurgh a certified LBP ckaesmoe inspector: The HRA an provide
assistance in locating certified inspeetors.
Repgmst of Aaflshmmee
Repappent of dw defened, 3 1 loan shell occur upon the earliest of
on
L
Sale, l a -0 ar conveyance of the prop".
it
The property oeasea i r amp reason to be the homtbuya% principal Place of raidmm
Deb& anft mortgage with the HRA ar any superior mo S Se an tie property. -
At dta time of teprpr neo% the HRA will prune mad erocule a Satisfactian of MartSsSe. The
SWsfac m of Mmtg W will be smt to the We Camp". who will be rexponsMe for
reooading the Sams&cdm with the Caemty. At the mM of the hareteoamerr the HRA will smd
the I amiaommer a cW of the Satisbcd m as welt as a-eepyef-the oriBml Promissory Note
ftbbamP
ibvemesa •f ladebled mi
Iadebtedmii of the principal shall be forgiven at a tate. of 10 g of the orlemal prindipal
annuI per year commnenedmg at the and of the twentieth year of the HRA mortgage. The loan
wMbe even after the. thirtieth year. At the time of forgiveness. the HRA will
prepare mod emcee -1 a Satisfaction of Martgage. The Satisfaction of MarWp wall be romded
with Haonepin County -t die HRA. At rhe MqM of the hmneowrrer, the HRA will surd the
hameotr . a copy of the Sadsfwdm ea well as a-espy-ef4m original Promissory Note
inftofag it has bom satisfied ra---
Sohordbatiau of Mortgages
Tho HRA may mho nbnmft the Fust Timm Homebuyer Prop ban. The HRA will review 1d
malt roque for snbordinsfim in a mhin two waft of the EW
dft The new lmdu must provide do folbvring infarmatian before a roqueot far m6mdbmd m
willbecm -mill ed.
Proposed ben ameamt and interest rate.
Reasor<s or sew Bung mmd use of peocee in by amoam. 1f 6nmft will be used for
home impsoveme am sped Be inforinwn an the proposed lremoe wwmvemems must be
p-
Amann of=* am to borrower. ifla
RSSS" for cash out m borrower if mw
Good Faith Estimate
F.Bac&e Date of courant Brat mo %m% Way. y.
Cma" principal balance of Graz mortgage; if sop.
of appeaiael.
Most reomt assessor's meet value of property.
Amoemtd ofarq other leasejndebtebeexs on propeegr.
Date We First TSme Homebuyer ban was Bled with Caemty mad documestt member.
Household's verified income and size.
10
Fall same, B ess. -A ON ne number and Oen- pi, of *A mew bander.
Date mbmtimatiom agreement is needed (must be at least caro weeks fiouru the date oLft I
Inkmastion provided wM be andynd to determine the appzopzia- of mdwdination of the
HRA's amztgage. The following aiteria mmt be met befine mfixodhad n of the loan can be
no um for the new fimndog mut be justifiable as an appropiate use of public fiords to
wazeaot mdmdhmtban of the public finding.
Mw bouaehold inooaae of the homeowner most not be Wester than 12S patent of current
CDBG nmtdmum moose guidelines. Convent guidelines we approximately 80 percent of
metropolitanmedian income as determined by HUD.
V the above akc& ate not met. the HILA will not subordinate its mortgage. The client can ohm
obtain firming that is a6ordmete to the IGWs mottpW, pay off the HRA's loan as a
aonditim of the new financin& obtain non -mortgage finarcuzz or fiago the additional finandng.
Appeab rS " g icmeepzetation of this Subordination Policy may bemade in writing to the
HRA's Exemtive Director sad then to the HRA Board of Camarnssionam Appeals Mat clearly
do not and the subozdimtim requaanmts wM mut be cousidenA
At variona lima, the HRA may target Prop m funding for porchM a qecafic dp dWmmts,
Applicants poring m Mose developments would noeive Prograo ftm&-% ptirh, !it all other
Modweadon and TambwdM of program
Ma HRA may modify or terminate Me Program as it dims apprapdate or as required by HUD.
Once the HRA has provided financial assiatanoe and the mortgzge executed, finsocial =duanee
doll not be rescinded except as provided for in the acetated HRA mortgage and promissory
mote.
f"Closing -'IU cow of the real ante I The Closing includes the delivery of
a de4 financial afusimenb, the signing of notes, mottgages, and the disbursement of finds
necessary to OOmptnte me Sale ad loan tr8 ti0a.
Those costs re I
i *
by the leader to be paid by the buyer tar various fans, credit
report cost, insurance, ate. at dme ofCloft an property.
A g= of individuals who Live or will live or one roof.
A Family who has not owned a dwelling of any kid within the
preceding three years fi>Dm the date of or who has been di laced due to a di r.
A Flemil rpmdeming a dwelling with a Contract for Deed is not.eligzbh: to participate
in this ftgPm.)
Groan Annual income -The Gross Annual Income of a Household for the purposes of this
program is as defined for purposes of reporting under Internal Revesaw Service Form 1040 for
individual Federal annual income tax purposes as per 24 CFR 5703 and 26 CFR
S - Thecueemt maebet value of the following minus a dsting idd todmss:
1. Cash oa hand
2. Crib in chaking accounts
3. Carp in savings a000umts, includial; accounts held in trust.
4. The cash value of We insurance policies.
S. The crani muft value of all interest in real estate. Included in this determination is
any land in which any re-ident of the Housebold holds titleor is selling on cantrae -for
dem The value of the contract for deed property shall be defined as 100 pate eat of the
out balance on the contract at a time twelve months following ale date of Ile
income and other asset verificadons. The dollar amount of the differmce between the
ouI I
Ii
uug balance at the time of vesifiand the outstanding balance twelve
mantles later shall be included as household'
6. All other puope tf. es clos m of household fiaaisbings, clothing, and an vehicle. This
section mclndea, but is not limited to business equipmeot, boats, snowmobile%
motoncych% farm stock and additional vebkkL
7. If the applicant own a bum, in fill or in part, and that business is incorporated, then
the bums equipment is not an asset. If the business is not incmpowmed, the business
equipment is men oomidered a personal asset. The value of the ownership of the
business by me applicant is a persoml asset. V the applicant owns less than loo percent
Of me buaiaeas, wnitten notarised proof of the percent of ownership must k provided by
the applicant to mesad® fig.
R — All persons residing in amu housing unit, may include one or mnne families, a
single persons a marcid couple; or two or more unrelated persons.
The Housing and Redevdopment Authority in and for the City of plymossm, Mimtesota
Low toma Essalk -A Fancily whose annual iso does not exceed 80 percent of the madras
iaoome hr the aura, as determine by HUD with adjustments for smaller and larger familia.
12
Karlam - Thatouveyame of an interest in real property glum ss somnity, for tha. payment of a
hwn.
The BRA'S Fat Time HamelwyerPeogmim
Note - A. written..inatnmmt. containing a promise by ba signer to Pay an agreed
amount
Parehaaa Agreement - An qm=M between buyer and seller of real property. setting ft& the
prior and toms ofthe sale. Abe known as a sales contract
A method of benefiting the buyer through the use
of a portion or all of rho HRA provided financial amidance to Iowa the mortgage principal
amount. ln.eflbct. this aenismrroe acts as a huM downpayment and, helps to reduce themonthly,
payments. The availableamount of assistance. is up to 10% ofas pine price to a
maximum of SISJM Borrowers are e><pecte I to eonvibute at. least 28% of their gross
gw1iifying income toward their mooft payment befae Plymouth financial. essstanee can be
used far redaeHon of themortgeppriocipaL
Seeoad Mataase - A loan an a property Hent shady has an existing mores, she first
mortgage} The second mortgage is sato W nate to the first
Mery Law h come lEani ty - A Family whose anal income does not exceed 50 percent of the
median income for the mm as determined by HUD, with. adjustments for smaller and large
fi+mdlies. HUD may establish mcome limits b*w or lower than SO percent of the modiso
income for the area on the basis of its finding that such variations are accessary because of
unesueft high.or low Family incomes.
ammazim= hoome Tifflita.
BOIA Of s median imm adjwftd for househoM size = ddwjdmd by HIM)
a
14
PARTMPAMM LENDERS
Ina following leaders and dmir ewes are willing to - -' ,pate in the Pbwouth First
Time Hazodmoya P They have received Se Prop Gaiddi and an familiar with
the process. R is the em's responsildliby to make Berm8 fa obtaining pro-
goati mdm or pr*4ndiatian of appwvai and for making an application hr a mortgage. A
lamer item the Iba dw idiealing so amoont of the mortgage tw whhlf 1de int Prey
gaaSBes most he provided with aa& applieado m You noel to ase the same lender when you
Ip far p wgpwvai of a amortgage prior to lana ptuebaae of a home, so select your leach
cmvfi*.
LWMER
Ben Mortgage
1000 Shehud ParkmW OS00
MimcavohL MN SSM
hwin Martgngo
5100 Gaoble.DdVR6 (1470
St. Innis Palk B6465416
s.s.::* t Ma Mpw Groua hu.
ft `-4cwta Blvd:a '20
SL lane ftk MN SS426
CONTACT (PERSON
Rita Brooks
933)391 2 MO (9521277-3 W
Fax (952) 591 9060
Maxine'fimm
9521932-6580
9521935-1101
Darin Bag.
952) 546-1520
Fax (952) 546-0359
Fria (Cline
952) 593-1169 err (9521417-8462
Fax (952) 593-1634
Voyager Marta
8 Pix'lm Diim Stdte 150
Ard=Mk MN 59112
Welt Faso Martgage
7373 North Kirkwood Coin
Mapb Grove, MN SS369
Barb Graham
FazWWM4WM"
PtaY Fhtishv
651)490-5150
Fax (651) 4904905
Brian Wahol
763)424.1400
Fax (763) 424-3636
MW
1C.
t ^
o C l4TYOF PLTM UTB
X346 iglmoUTH BOULEVARD, PLVMdM Mlle 55447
a
a P
DAM Fdmmy 11, 2003 for the Pb=utb Housing and RWmlopmm
AuthDeety's meehng of Feb my 20, 2003
ii+0r Plymouth Housing and Redevelopment Auftrily
FROM: Kristine Aria. HRA Specialist. theougb 1a'B—d Hooting Managerand
f$Anne Hudbort, Executive Director
SUBJECT: Housing RdWitation Loan Program Procedural Guidebook vevisim
The Plymouth Housing and Redevelopment Amhority (HRA) apaates a Housing
Rebab3bbom program which is Graded Ca®muoity Developromnt Block Grant
Rends.. Fenn tinea to tin, sta@'roviews the program policies to corm consistency and
compliance with applicable laws and regulations. The guidebook was last revised in
2000 and. the Boned has adopted various revisions to the progrsnm policies such as the
ban snIm d policy and lead-based paint hazard ia,eetiam eoquircummI . After
review of the Wide. staff idmMed a number of areas that wee not consistent with how
rho program is beieeg operated. Because of the significant eewsan cation of the
procedural guide, a dant comparison to the our -1 bride is alomost imposseble. Below is
am.e qdu mf m of the I S being reoommmeo'ed.
Staff, - - that the maimum loan nummot be chuged
ago ift smistaoce tD be bmcosed Gom a SIS,000 to a S20,000 mw imum. Rocco
federal rqpbdmcoaoerniog rettabiliutiom of hommes with lead-based paint (Le. homes
built before 1978) have aceta' am increaser in costs tD improve these homes This is due
tD pee and post -noun lad assessment feting an'the techniques and precaudous
ooniractoes must = to aIeesa the lead. AddidomMy there has ban an increase in the
ams of consbuctian mate ids and leboa
AgM. The second dmage is to add a cap an the maximium amount of assets an
applicant could have to determine tbeir ebgMdy for &a program. Staff proposes a
U5,000 capan assets; crecheft their primary residence and one automobile, whicb is
t consistent with atha rebab progrmas in &a area Ceara* we so, not have easy asset
1imitodozes. Applitams vrbn have assets to draw upon sod could afford to make the
i W n 1 npnln•without the alSistanoe ofthe HRA's program vrouMbe directed to other
Gmdmg sources for their impsovmxnts (such as Heoaepin County or 141E Ws ban
program).
The Small Repair Grant program is dr..Wmd to assist
imom+q=Ii' wg armors vriththeir home improvement needs so that a.full rehab baa
vA not be necessary to take out and potentially cause a.Snancial burdm.on the apphicmt.
Staff proposes ao from 52,500 m SS,000. This.* is due to the rising oasts
of e0osunction and repair.
Acandbi0ty and [Awf4osed Paint: The fount change is to increase the. mwalmum.
ban amount permitted for accessibility and lead-based paint issues. Staff proposes
arms ng the rowunnon loaa amount for these projects Rom US,000 to S30,OW These
types of project often require special training by the contractors or products which
elevate the cost of the project.
Finally, a change to the loan subordination policy is
proposed. Our current guideline states that at least 80% of the cash received from a loan
refinance mast be used towards bomo•inrprovca— related expenses. Under the
proposed change, 70% would need to be used towards these improvements, leaving the,
loan re ipieot.a remaining 30% of fimds from a cash -out transaction to be used for other
expenses or debts. This chase is being recommended becausL often times the property
does not need substantial improvement and it is a.bene& to the homeowoer to reduce
their monthly
I remmmedd mat the NRA Board of ComWssioners adopt the attached resohtlioo
ov tIa pohides.of me NRA Housing Rebah161adm Loan program Proeedurd
aide.
Atmchm M.
1. Resolution 2003.05
2. HRA Housing Rehnblitation Lam hocedu d Guide
C
HRA RESOLUTION 2003-05
APPROVING REVISIONS TO THE HOUSING REBABUJTA71ON LOAN PROGRAM
PROt:EDURAI. GUIDELINES
WHEREAS. the Pb=wlh Housq; and Redevd%p Authority operates a .Hounag
Rebabilitdiou Lona Program funded by Comm miry Devdapmem: Bloat Grant foods. wad
WHEREAS. &a Housing Rehabihation Loan Program is administered aocar N to the polices
ofthe Procedural Guift Bad
WHEREAS. staff lw revised Oe Procedural Guidelmes to comply with all Federal rgpda m
Bad to meet the housing goaia offtCityofPbmouthand the HRA;
NOW. THMNOIM BE IT HEREBY RESOLVED BY THE HOUSLNG AND
REDEVELOPMENT AUMRI[Y M AND FOR THE CITY OF PLYMOUT'N,
MINNESOTA, tont the Authority approves the anadied revised Housing Rdmkhtdm Loam
Program tmoedurd Guidelines and rescinds all prewian< Verna=
Adopted by the Pbuomh Houoag aad Redevrclopmeru Authority an.Fe mmuy 20-2003
I
Plymouth HRA
Housing Rehabilitation Program
d
PROCEDURAL
GUIDELINES
A&ptedby tie Plymouth Housing & Redevelopmeat AuffiWity
Rev&W Doumbw 2002
A
4
Program Gods 4
Pker AdmkkbWm S
Propose afda Profits®GUWWIM S
Rapas WIN saftheHameww S
R otm- -.-. s of the HRA 6
AppkadmtodoHRA 7
Fy Regtotamma 7
EN'ble DweWoW 11
Denial afEff8jbft 12
E]i 1e 8m ptovemmta 12
Imptavemmt Stmedmds 14
Aooesst'ta•Iitq hoprov 17
AppficdWIAMPtooesaing
PAR? m. PROGRAM V17tQ7('ATIONS/ DOCUMEM'S
19
PwApprovalvaificldm
21
21
PrerOon Doeummts 22
Post-Ootaste cdm Doatmmts
PART N• PROGRAM RULES
27
LttedB=d Paint Hmmd Regmmumb
27
27
RqmymMofAnkam 28
Faqft a of mem 28
SdmdWW=Pdky 29
T8qpftdAAOft 30
RGoMfica&WTcuoi=dmafProgRam 30
30
33
2
MR
APP@mDL
APPMCM A
Ddmidm
APPENDM B
hoome Ihmib
El
110
34-
37
PbmoWh's Houdng RehaldfiWon Program is availelde to IOW and mnoderaor.inoanne
lwm&obb to maintain, repain and improve Their hom uL As the Plymouth HILA admirers @re
PvV= With limdsappropial I from the Community Development Block Get Program
CDBCs the pogrom will follow CORG regakbouL
There are two typo of housing roman aloe available to aft%lee bomeoww%
deAxeed losses and small reports gums. A limited amount of finds are available for cath
program and applicanans are soeeptad on a firm come first peeved basis.
The 1.6 P I loan program allows appy to receive up to 520,000.00 in a deterred. sero
interest Tom to mate el4ft borne improvements to comply With minimum housing quality
atandae I Moans mm be 10096 repaid if the home is sold, ttaruterred, or no purger homesteaded
Within 10 yews. After 10 years the Tom declines 1096 a year =61 it is forgiven after 20 yera.
A small repair gram allows mcomne quelifft snicks a maxomma ofS5,000.00 W gram finds to
be need Por ameqleocy and small repairs. The propose of a small repair Vim is to allow the
homaeaaraer1 to complete ebode repairs Without completing a fall-acok edatbilotion project
and ming a longterm rep n m agroaneat. Applications may be submitted by non-profit
agencies on behalf of dgAk homeowners or directly by homeowners to the Horsing and
Redevelopment Auffienib(HRA)
Program Coat
The overall goal of &a Housing Ralabilitadan Program is to improve the safepr. livability. and
the energy efficienry of homes owned by low and mod - - , 'moo w Rmilies Within the City of
Pamomh. Additional housimig abMitefion assistance goals bove bem estabtisbad for the City
of Pbmoath in its Co=otidOA Phu. According to tbeae goals, for a property to be counted as
meeting the horsing afteldifitifin standards of the City of Plymo uh, the bower must be
determined lobe mI - ' l zd sod upon eampkdm of a mat minimum Section 8
boudog gwft aten&mb pruarams to 24 CFR. as follows:
Dwegb r Leven ed coder dkprmgrm"gr; w d& artier deperfmonew met
and ece4MAfleyy Cr aesfa sofathav fait soaFar emcWfar sw A wanadonis as erep apond
by tae NRA pad gpprvaed by HM Load cftnade ar ghsgfad oaadtdoas or local codes
are camrwhm6w& Aaa;wJ=*srechrnrindonr.
her Awl drallm
7bis Pmgrmn will be adesi - -
I
by the Pbmulb HRA, vk*M has ban given the authority to
administer this Prop by the mmnuth City Camcil Fundig of this Program is provided
theottgp the Depamnemt of Hoosiag and Urban DeMelopmn: (HUD) as pact of the Community
Devdo. I Block (leant (CDBG) pue m. This Program will follow all applicable CDBG
rgahadaets and in the event policies included in thisGuidelim conflict with CDBG relplations,
the ®BG mpiatioos will prevail
Purpose of the Ptallp Gdddhm
Ue purpose of these Guidelines is to establish policies for caeeying out the Housing
Roman Program in a manner oomiatent with HUD n quiremeats and local gads and
objecrives eomtdoed m the Comolidded Plan and Annual Action Plan. The HRA is respoan'bk
Por comtpbeg with all chages in HUD regulations pertaining to the CDBG program. If such
changes conflict with these G idelina, as pmvi m* stated HUD eegalatiaer mll have
I APPS g
Id i include;
24 CFR Pact S: General Program Ragniemmeots
24 CFR Part
24 OR Peet S70: Ce®muoity Development Block Grant
24 CFR Past 35: Lead -Based Paint Rgpbfiom
PART D: PROGRAM POLICIES
Rimes of rte Homeowner
Conup and submit the housing rehabilitation application as well as all additional
Ind the HRA about saychaviles in thar application cr project
Mod program dadlim
Setapp midd meedng with HRA Raff
Set-up initial impeetion with HRA inspector
Review the Scope of Wodt
Obtain bids acid submit the bis to the HRA within 30days
Mind house accessible to eomtraci
hA m HRA of any issues related to wort er chaMes in the scope
lathon the HRA wbm -actoe 1 have completed wart
Sigtt Compkti= Cabficame wbm they Cir• satisfied with the wont complmd
X
Rmpos ofthe BRA
Odmob and Poblic information
The. HRA will be responsible Por the promotion of the Housing Rehabi bdion Prog un
within its bormdezias. The HRA will arerciae care in avoiding my advertising at out
mdbDddwiumWbodeamdtDsydmadcaWezchdepDtendfteHgRdeo=Hcun Access
to
vi
S mammals will not be denied to may person Por any reason
The. HRA will mseI I its own mid other available homy rdwbilitation, energy redaction ad.
oda home improvement and maintenance programs. Some possible awbod rg activities
them may bo used am
1. Regular promotions in the CWs newsletter, area newspapers, and cable W
L Rogan adverting (brodanrw/ttyers) of HRA and other available programs at banks,
commumigr centres, br>ancases that sen home Improvement items, businesses with high
walk-in trWz. and City HalL
3. Sta6a booth at area rerno I Ns taus.
The progsm will imide affirmet a -a&etm effaft The HRA will review its normal
outreach methods from to eosrne that the hron program is made available to
persons who od awise might not apply for assistance.
T
ofProperft
The HRA is responsible for currying out a minimum of two inspections; of each approved
propaM. The 60 imperdan shall be completed aft the applicant is determined to be
etigble Por the pmgam- Dozing this inspection a prapaty repot will be
completed bat will Ust an de6deociea in the dwelling and will be used to determine whetha
sufficient foods are available to reader the dwelling ressoaft bdAtabl% safe and eneW
e6 - m. Dining the impectim be home will also be inspected for lead based paint barn&
wA if required, a lead risk assessment will be ordered:
Tho second inspection Shan tabs place afo3 be work is 5obW. to determine that all work
has beim completed in a Saosfecmory manner consismemt with hese guidelines, the scope of
improvements and the coemractms quote.
Ther HRA MW condarct interim impections of the ptloperty as neoaamy.
Prepata- of Scope of haprovemmtS/ Wort Proposal
The scope of imgovigotgota is based an the propuly inspection report and shall He an of the
dgftb wwovemmis that will be completed. The HRA shall provide the homeowner with
copies of the scope of improv. Tho scope will be priaitiud based on the urgency of
srrr
the repairs. The repairs must be completed in the order reftated an the scope of
mrprevrenmts
a Additional Amistaooe Programs
To mwboiae ava bble easisamo fiom the Minnesota Horsing Finama Agency (MHFA) and
alba son the HRA wilt wont directly with hommn me s to ossess and faciliteme their
dig'bi6ty for alba aasidame. MHFA las saverat pmgams and ather assisfanoe is often
available through do U.S. Department of Energy and Reliant Energy, Additional
Rababi Loan aadd/ar (hoot Programs inchrde:
1. NINA Programs
a. Deferred Loan Program
b. Fix Up Fund
e. Accesuldlify Loan Program
2 Sustdamble Resources Center(SRQ
3. Reliant Boer's Woman Assistance Program
Apptlatloo to the BRA
Normally. a first eoame first save applicant selection process will govern the administration of
the program; however, where an applicant has an mate safety or health te4 that applicant
willbe given pdoth y.
Each applicafion will be dated upon receipt. The receipt date shall be used as one of the criteria
for roobng of the applicatim R d=M be noted that an application is eonsiderod complete
when all marxrials used to determine digMly are received by HRA stWE
The HRA dean adhere to tho t dirmA g Bude6aes:
1. The psocaa one be aaitarmly applied daring the entire finding year.
2. No elig<3leapplied shallbe reaocted an the basis of judgtmab ss a personal character or
tifmole
3. Wham m finds are avaMle for assistaooe to applicen. the following procedure shall be
used:
s. lhrplain to the applicant that the fimdiog for the eume year has been either depleted or
allocated.
b. hrthrm the appneent of other wle funding sonm including local. state and federal
p8
e. Send the apphcmt a.leuw indicaIi
that the appy has been placed an awaiting he
but that. Scre a no Wmartee of firwre fimdm& This kttar should online do other
poaa W aveaner of obbmmg boom e improvement fimds.
Applies mast moat all the reqs set f alb in these procedural Gdddkm
Ownership and Owwwocy Rqwmmft
The properly moat be the applicauft place of residence for a mkdmm of nine mamba in any
tarelve4sonA perad. An raaoeption may be made ibr a disabled prion or bmwebold
m, I - who cane of move hd o the home until mom are made.
The applicant moat have a gaatiiyiug intact in the property although that interest may be
sg md with the o interest of alba individuals occupying the propmty as their
principal place of raidmoe. A qualifying interest shall consist of.
1. A valid fife estate. Such life estate must be recorded and must appear in the records of
the Coral, or
L A one third interest in the fee title. Such interest may be subject to a mortgage; or
3. A - - 1 —1 for deed in the property to be improved. Such contract for deed must be
recorded and must appear in the r000rds of the County.
All kW viduals having an ownership interest m the property to be improved mast sign the
Repayment AgumaM
Oamership shall be based an the information recorded in the appropriate Canty Recordd's
Owe. ..
the applicant must be current on all aaortgage payments. c it for dea:.paymcn%
homeosina's association dues and property laza on the property to be improved. If any of
these payments are delinquen% they asset be made current before the mon can be
approved fbr finding. In additim there shall be no outstanding matfunda Haus Mod against
the properlY
The applicant must be capable of doing the home. This includes financial and physical
meimmanoe of the home. Applicants with significant financial and/ or physical mainteome
issues will be referred to appropriate service agencies.
Amoral Gass Ha>schold Income
Applicants must have an arcual gross household'oeonue at or below 60% of the area median
income for the bwa bold aims in effect at time of applieaaim An exception to the 6096
income limit may be made for households with extraordinary medical expensm or if it is
ddermined to be in the bat i steeat of the comma nd y, applicants with groes hom ehohl
ircoma at of below 8096 of the area median income for the household size may be
co.dered.
Gross annual income a defined as the gross annual woman from all fimdmg souaoes (before
rons and withholdiqp) of all individuals living in the housing unit for at least ohne (9)
months of any twelvemonlb period and -who do not pay nest.
Non4oemring types of income should be included as assets eatlrer than income. Items for
inclusion under this category may include a single SIR of cash from a person.or persons, cash
saw of property, receipt of one-time survivor benefits, etL A one-time sale of stock does not
GO" as i000me, bat rather the proceeds We counted as assets.
1. Selvies (inchudiag ram , bonmes, overtime pay and tips).
Z Any public assistance (mcbftg but not limited to welfare. AFM SST and
113 un
3. Alimony and/or child suppmt
0. has= and dividends.
S. Pensions andannuities.
Rental'
7. Estase or imst income.
L Business profit—for self employed individuals (including farmers and child care
pruvidm1
9. Gains Ram the axle of property.
10. Payment roeeived fiom properties bang sold on contracts for deed.
11. Partnership.
It Personal and/or butiness loans
13. Nbcalleoeoas inn . (including recurring gifts fines a person.or pawns).
Clnrlatiai of HoasdwM Income
L Gross annual income shall be based upon annuahzed weekly or monthly income as of the
dale of verification.
L In eases where the groes income of the applicant's household is extremely low, the
applicant must 1trale they are able to menet tied: momhdy obligations. The
applicant must product written verification of the householft monthly expenditures,
clearly itemising the amount of money and its sourm on all obligationm which may
inrludethe following itemw mortgaM contract for deed, insurance; Toms, moome,
propergy Wres, feaoaportalioon expenses, charge accounts, health costs, food, utilitie%
clothing and eomertsizoent. These erpesses shall determine the household maintenance
income.
3. Any income determination, which faults in a not leas of income must be considered a
SO income. That is, an income loss fiom ane souroe may M be subtracted from a
separate source of income fin the purpose of determining total household gross annual
income
4. Any admahond IoM .including VA benefits, which are paid &vcty to dw ft&WmL
MIM be ineloded as income. Loans or scbble ship% which are paid directly to an
edncmiund icetiUAicrt, are nod included as income.
S. V a curre t,psy-amb does not provide conclusive verification of ovaome or bonuses,
the pian administrator, tbmough contacting an employer. may need to determine projected
be= and/or overtime income. The amount of overtime or bomtses may aim be based on
prior year's figures or average amaints awn" to other employees with the same status
The most raced IRS tan return may also be used fee these purposes.
d. Self-employed persons midst submit signed copies of IRS tax returns for the pmevmn two
years. Applications processed betaine Ap 15th of my given year may use the IRS tax
retsina from the second and third proceeding years if their return for the first. preceding
year is not avmlable. Applications processed aft April l Sth of mry give. year t= use
the IRS tax returns fiom the first mai second Mcedurg years. The administering entity
will detcrunne gross arurual income by averaging the income from the two submitted
returns.
7. For self-employed person4, normal out -0f -pocket busies cqxmm such as office rets,
telephone, etc. are generally deductible iters Property or equipment depreciation is not
deductible and must be added back to establish' . for program purposes.
hrdivWnals who have been self-employed for less then two years most submit a profit and
lass statement detailing the business income and expenditures. An cmeption may be
made if the appliom prepares ane that it is endorsed by a reputable third party and
inchrdes a deehuation that all information eontairued in the is accurate and
complain and that the applicant is aware that any amore or evasions may result in
prosecution. V the individual can produce a signed IRS return for non eompim year of
self-erpbymeat and a profit and loss statmset for the subsequent period, that will be
8. hrcome fiom rental pmopubM including rets fiat the property to be improved, shall be
included in the gross armed income. Expenses allowable fhr deduction for rental
purposes include a proportional share of the mortgage principal and i - - - payment,
utilities, taxes, insurance. and maintenance. In on event shall such deductions exceed the
Wass rental income.
The Calculation of Gross Antral hreome may tg be based on a temporary condition
mob as rmemployment or temporary worker's comv V uneomploymet on
a naluloWL gross annual itroeme shall include the mm of wages and un mployment
nomOPOOS&timarpecte I In be received by the household over the next 12 months. V
wodmft counpeoartioa is permanentincome the igauraooe company must verify it.
Gross Annual htcome may not be based on IMMM 091IMMU unempbyment of a
known duration, such as that due to lay-ofi; maternity leave, sabbatical leave, etc. Rather.
10
imome shell be calculated based an the normal annual ittcame of the tenivrarily,
P) m asuployed person. At that time, the household must be able. to demonstrate that it is
both mcome eligible and capable of m dzut its monthly obligations as dined.
Application of rbose who are unemployed for an anbmm Eiod of time shall not be
conusidaed until the unemployed household mmaI has exhausted all eligibility for
coffin and the employer indicates a callback date is unknown.
10. All opplicems most be able to demonstrate that they are amort on income tax payments
to the federal govanmmt by sabmi>dng signed copies of complete federal tax returns for
the two preceding years. Applicants who are ddiaqu=% but who can be verified as being
aurenot on a repayment schedule, will be regarded as being eligible in this rqw&
Applicants who are required to file federal income tax returns but who havenet filed or
applicants who are del* umot and we not amort on a repayment schedule are net
eligible far program assistance.
e Deductions firm gross income
The folowing items most be acknowledged as income but an be discounted as qualifying
income:
1. Personal loans, which must be repaid at a later date, (a copy of the loan ate/
payment schedule must be included in the file
2. Alimony or child support payments to in&,, duals not residing permanently in the
property to be improved, (a copy of the pertinuem section of the divorce coerce must be
included in the file).
3. The income of any res* 1 l under the age of sevemem.
4. Payments received for the cue of Aaw children.
S. no' of a live-in side.
6. Mooned grams or sdwbr b % including VA oduca nod benefits, provided that the
ret% ienI is registered for dosses in the quarter dmiog which the ftibility verification
aoaus at for the quarts: immeoistebr followiv&
7. Fly medical expenses. This includes ate medical expenses that exceed 3% of a
household's arcual rename and an reconzog m nature. Reaming aspenses
medical instusom pnesaipticns, or regular payments far a medical debt that the
homeoa ner is requriee I to pay an a moaft basis, and which are aspected to amdnue
indefinitely or for at least the meat 12 months. This deduction is allowed in those cases
where the appoc a s gross aomral income. exceeds the stated program income limit of
60% of doe area median income. ff. after the deduction, the applisem's is at or
below, 60% of the area median income, the applicant is eligible.
Asset Determination
In detes` .ping applicant eligibility. the surer Section 8 program treatment of assets will be
t used. This faasses an the earring¢ from existing assets rather than the actual
11
marbet value Ofam assets. The tamed fiom assets will be ca®bimed -with'
I
eerned fiom other sources to I P - iae if the total income is under the IFFitmtuome
limit. Assess must not pip ooed $23.000 to quafifjr for the IDWs luso.
agmmmeand
The property must be 1) located within the city limits of Pbrmoufb; 2) in compliance wit all
q*hc ble zoning ordinances; 3) used pelma* for residential pmposes; and 4) ecntain no more
tbam two da eft unit. one of them ewaehoemq&& hoprovaments can only be made to the
ownerooarpied unit, unless the improvement serve bah muits, such as a roof. Hown--er. a
condominium or townhouse may be consdered eligible provided repairs are done oalywiddn the
unit itsdE
The property to be improved must be an existing and pe nanemt muc mu:. An omeemo *Gd
mobile home on a pe nonent bvnhbm located on land owned by the applicant is ftible.
Trailers or mobile homes located on land not owned by the applicant are not eligible.
Dema! of BIS
Ile HRA will review and verify all applications for debility. Those applicants not mating the
digitft roquiruanems will be seat a written naia er g the reason(m) for denial and
outlining the appeal process as stood below.
Appeals rege<dibg interpretation of digibi ft requuireomems may be made in writiogto the MWs
Ezmwc Director and thea to the HRA Hoard of Comm rams. Appeals that clearly do not
meet eligibifity ere v its will not be omn l i f ,
I
Each improvement come be a permanent Smeal kvwvmmem. Permanent genual
improvements shall include such alteatiom renovations, or repairs upon or in oomneetian with
exisft atrucpuea. vdd& enured defects or deficiencies in the property affecting directly the
safety. bddubffity or eoegy consumption of the property A pamaneat genteel bvmvcmm
mmd be economically viable in himms of a demminatim mat after the improveme t is made:
The dr acture will have remabft asef d life such that me total amount of the repairs required
bringing the bocce up to Section 8 Hornung Quality Standards may be amoetizmd over such
US in an economically pmdeat manner.
The Micture will be mmnably livabk safe and habitable. Pemmonent general impnovemmts
shall not iwinda materials, fixm m or lamdsap" of a type at quality exceeding east
12
V
arstommib used in the locality far properdim of flee same general Vpe as the prepmty
improved. Howeroer, dadd the 1 1 - -1 rner desire mere rgrmsive mem dale to be used, the
loomeowauM poy the cost diHuenoe.
No Inds dwU be used in whole or in past for the propose of rR 19 or paying off m
mating ioddit uesm. All such funds must bo used to 6nance imp mvemmts begun after the
cmud n of a wast Contractprepared by the HILA sod signed by the homeowner and the
est
Me HRA may approve spedd impmvemem a* in the described ch mastamm bAkated
bebw.
1. Bedmom additions may be allowed in asses of severe ovaaaading. For the propose of
this veam, a daelliug. wr11 genraft be oonvidaed uovmaowded' if these is an
avmage of morethan one pmmu per mom (excbuft ) in the dwelling, ar as
otberwim 4proved by the HRA.
2 IN -1 m additions map be allowed in cases of inadequate indoor balbroom hcilities
only ifno other apace in the stMOM ii appropriate faf such f alines
3. In the case of apphcmb with impaired mobft. request for roam additions wrll be
reviewed in eompGaoca with procedures faf baav WC-Miog moess<1lility bVMVmnaus.
e'ggg
Demolition of vA mMW is allowed ate whm such clearance is required by flee bud
bmbfmg code. Loan funded mVmvcmm s cunt aftm- a be limited to demolition only.
except in ciramsatanoes determined as cmq tiond by the HRA.
Sidewelb ard.
Recors nectim of adeardh and driveways is allowed a* on private property sad only if
addling aondWcos are a clear and immineom safely hazard Constructim of a near sidewalk
or drWcwapr mW be allowed at the dbamdm of the HRA and a* as neoessery for
aooeaaibrli'Q improvement for an dduly of disabled household membri.
Extuior 6oibmg (painting or Moi is Cawed if there is aelaioration of crorent exterior
6Wdit Exterior requested ad* fbr wase- proposes win not be approved.
Sboald a detamioa- be made that lead4md paint was used = So dtr tw. appropriate
measures vnll be tahm in aoourdanoe with applicable lead basad paint ragWzemmts.
13
Where property is not reasonably energy efcrent, Inas fbnb shall be used to the Qemt
oecessmy to increase such eta E=V saving features shall be comisteot with the
ems danduals pro®nlgramed as pmt ofthe Starve building code, but sncb impeovemaus need
not bi dw =it or house into cosrpliance will such energy standards..
Smoke detectors shall be msnlled in all dwellings being bxproved with ban fimds, unIcss
demes niers are al resQ1 property ianlled. All properties bang improved shall aoaIs adequate
smohs detedaes fidbsaing completion of the wart. When inmeriar alterations,
repairs or addifionsregniring a permit occur. or when one or mere sleepigg.rooms are added
or a:eaWin eostigg dwdtiugs, the individual dwelling unit shall be provided with smote
1, - - 141 beamed as required for new dwellings; the smote detectors shall be interconnected
and bard wired.
Exce ptaas: 1) Smolm dexecmm I in existing areas shall not be required to be istaoomummil
and hard wired where the alteration or repairs do not result in the removal of.interior wall or
ca a finishes a poang the sbuc me. mdess these is an attic, crawl space. or basement
avmlable which could provide scoers for bard wiring amd inmaconneaelon without the
removal of iateric r finishes. 2) Repairs to the arteria surfaces of dwellings are exempt from
the regaruemems of this satins. -
pbwer Scarce: Innew construction. the required smote detectors shall receive their primary
power Som the buiNieg wiring whim such wiring is served fiom a commercial swrce, and
when primary power is inmerarpmeel, shall receive power hom a battery. Wiring shall be
permanent and Witboom a disconnecting switch ether than those Id P' for over current
pramection Smote h- 1 1 1 1 shill be permitted to be battery aperatad When installed in
buildings Without eommcreial posturer or in buildings that nnde:go alteration, repairs or
additions.
g
Where the boase numbers are art present or are not handled to applicable Qty codes and
aretinanoee, d wy shall be installed properly.
The iatallat M replaoemM arc repair of ounk mope, oven mages and refteramors are eligible
provided that it is abantr * necessary. Repair or replacement of vasshers/deyees/dis6svashers
isnot allowable.
14
V
Wats and Sewer
Lova fimds maps be used far the poetiom of h oprovements.located an the properly which will
being an individual waw supply system or an individual sewage disposal system (ming
septic systems) into compliance with local, state or foftd eavieoen l and sanitary
standard: provided an public utft service is availahle. Payinci is of applicable SAC (Sews
a'MftchzW)aremdWAcespmse.
Water drawn fiom a valid well mast be potable (aa& brdrinkho and mad be foe of sand,
Wit or other material whim might damage the pump or pbnnbm& Wa'as meed in be fire
fiat mimaab that may male halm* nor mast it be fine fmm odor. NO FUNDS WQ.L BE
D=tMSED BY TIM HRA UNTO. WATER E STRUCS. h is an el Ift improvemtea- to
connect a house to City water and/or sewer when eonft ms a8ecting the health of dye
residents ale prosmt of when eoVre
I by City Ordiaamoe.
Sanitary Faaltie
I. Perfivrommica The dwellmg snit shall iochtde its own sanitary facilitim
which are in proper apaatiag condition, cam be used in privacy. and are adequate for
pmmd elemhncm and the &epossl of hu waste.
L AgWMWlity A flm6 toilet int a sepawme, private roam; a fixed basis with a sink
trap and bat and cold rmaiog water and a shows or tub with but and cold raoniog water
alai be preseu in the dwelling unik all in proper opmatiog omffi im These facilities
shill utilise m approved public or private disposal system.
Food Prepeta-
1..RmMjm= The dwdit unit shall contain snitablo spar sod equipesent
to store, prepam and save foods in a sanitary manner. Thee shall be adequate fmhtm
and services &r the sumbary disposal. of food waste and refixem, including Bra'lities for
tmr@m ey storage where necessary.
L Aaeratability Criteria: The unit shall contain the &Mowing equipment in proper
apaamog ooaditian: m ovaa, a aoolnog stove ar mam a s dig of appropriate size
fiat the Dmily and a kitchem sink with a duk tmp and but and cold running water. The
aiak shall deaim foto an approved public or private system. Adequate space fm the
amrW,, prepaeatiam and serving of food. shall be providaL These shall be adequate
hulitice and aavices for the sanitary disposal of food wastes and refuse includimg
fin xdu tar temporary ameage where necessary (C* ip*q a esna}
is
SAaoe and Seautigr
1. Pfffonmmm Thedwelling mit shag a8ind the' am, n t,r adequate apace
art aeaairy.
I g uy Gtiitaie: A living room. kitehm area, and bethteam shall be presort, end
the dwelling mit shell contain at least one sleeping or hvbqftkcpimg roc® ofgWropriste
sin feu each two persons. Ertterior dens and windows accessible from outside rho mit
shall be lockable.
Thetmd Ebvuomotes
The dwelling unit shall have and be capable ofmainsaining a
6armal mvitamneol healthy for the Kamm body.
Acamblalft Chimp The dwelling out shall bea ing amides which an m
proper aperatiog coudWoo and can provide adequate het to each toom in the dwelling
mit to easme a ben tl y living environment Unveamed roam beatem which barn gas, oil
or b uvae e. ate mmcceptable.
Mmioadon and Eloaricity
001
I. Emb tone shall have adequate natural at artificial
tM m 'matter' o to permit normal indoor activities end to support the heahh and safety of
occ%mv S1fficum daarical oo* is shall be p ovidad to permit use of essential
dechieal appliances Electric 6rames and arcing must wane oft from fire.
L ARROOft Criteria living and sleeping rooms shall include at left one %%aloes. A
ca'ling or waD type Dgbt finazo shag be peeamt and apemble in bath the bathroom and
kitcbm area. At low two cleans muds shall be present and operable in tbefiving room
area, khchen am and each bedroom ecce.
Shudtne and Mammals
1. The dwelling mit shall be dmcau lir sound so as not to pose
any threat the hehh and safeq of the oocupams and to protect the occuupsms from the
envitonmmt.
2.. Aeoeeaabi6ty Cdtedw CdHgM wagk and floors dhaD not have any serious defads swab
IN seurere bulBog at lesem& bge hob% krone sung materials, secrete buckling at
noticeable movement under walking stem missing peas or other aerials damage. The
roof atromtre shag be firm and rho roof shag be wether tight. The warior wan dructu m
and wag aue6 shag trot have any serious delicts such as actions lancing,
bunkft stggpng, cracks of blm loose aiding, or other serious damage tesuldng in air
bdMmrion or vermin iofestadod The conditim and equipment of interi l and , tia
ddrw q% Mlle, poteI P walkways, etc. ahaD be such as no to present a danger of
tripping ar&Mo& b the case of a mobile bomr. the home shah be secmdy anchored by
a tie dopa device which disuibumm and terms the bads imposed by the unit to
appropriate ground anchors so as to resist wind ovaoaning end sliding.
16
Iom11 AirQmfilt
1. pWIbmmmmmII The dwel ft oak mall be free of pollutants in the air at
levels that If - the beats of the oocu , -,
L lmability Criteria Us dwelling unit shall be free from dangerous levels of air
pollution fie® a -1 , monamide. sewer gm fuel ge% dost, and other harmful air
poRatents. Air circulation shall be adequate throughout the amt. Bathroom area shall
have st horst ane operable window ar other aI qura- exhaust ventilation. Any room used
fin sly must have at least one operable window.
Water Supply
1. Perflarnsoce Rndmm= The water supply shall be flee from contamination.
2 Arc lite Criteria The snit shall be served by an approved public or private sanimry
water supply meta semtaty and free from comminution.
bead Based Paint
L. The d Mfr unit shall be in eampliaoce with HUD Lead
Based Paint rte. 24 CFR. Part 35. issued punatant to tie Lead Based Paint
P i ing Preva Act. 42 U.S.C. 4801 and all successive Ind.
2. If the property was constructed prior to 1978, the applicant will be finished the HUD
Lead Based Paint Notice an the hazards of led based paint poisornng. Doan of
receipt of the notice shall be included in the Sic
3. A2mpjdftCdtwk, Sane m Perfarmaaoe Regnitement.
Ace=
1. Paimmance The dwelling unit shall be usable and capable of bang
maintained without ummd mined use of other private properties. and the building shall
provide an ahmmft eoeeos of egress in ease of fire.
2. &MOftCriterim The dwelling unit shall be usable and capable of bang mainmioed
without ummdboned use of other private properties. The building shall provide an
ahemft mama ofqPSB in ease of bre (erg, windows that satisfy standards for Wase
Site and Neighborhood
1. The site and naloborhood gall be rmsonablt free from
noises and revaberatioas and other bmards tD the: bmlm, safely. and gmend
wags of the acculma .
2. Acoeaaability Criteria The site and neigbbmbood shall not be subject to serious adverse
mvitomrmml canditions, natural or man made. smch as dangerous walks and steps;
lr. floodim Pow septic took fps: a egc hasmda: mad slides:
aboormsl air poltutim amdm at dot excesuve mise, vibration or vehicular trafEc.
atce: M aoatmnletians of rash; vermin or rodent in&Mkm; or fire hazards.
17
Sanitary Coition
1. Performance The unit and its gpIpment shall be in sanitary condition.
2 hwpmbility (kitQia: 'lite unit and its gpipment shall be five of vermin and rodent
iofeatatioo.
e Smoke Detectors
1. The unit dwD have at least an bancry -operated or hard-
wuvd smoke detector, in proper operating condition an each level of the unit Smoke
dcrosxoes most be installed in, scoot*= with and meet requim of NFPA 74 and
arooeediag standards. If the omit is occupied by hearing -imp dM person(s). smote
detector now have an alarm system, designed far bcmg impaired persons.
Aaesatbs7ity itaprov may inchrde:
1. Structond haproverneub; Caostruaron, installation or modification of ramps, handrails,
kick ph M and door widds-, repair or replacement of doors; mloatian of doorways;
ism lMiou of k o4x: r, hndww co ommfion or expensian of moue.
D2. Bittterm hopeov Construction of exterior- exiling, walkways, hidings and
patch erteenaians. site grading and akar site improv.
I Bathroom hnprovemenls: lastellaiian of elevated water ckxets, grab bars, shower stalls,
tab seats, hand-held din P n aocsssrbk sinks, electrical outlets, medicine cabinets and
attic sooasoeies, and modification at a of batbroom area to Am a five-foot.
tuning radios.
4. Kitchen hoprovements: Cation. modification or eeplacemeot of aupboerds at
shelves to provide access to sinker, cook tops, ovens at s1- lgp installation of
accessible electrical outlets and switches, lever section hardware, garbage disposals;
inaoletkn of but water pips; modification or esv ion of kitchen area to allow for a
five-foot UMMIS radius m the workspace; mon of Saw SusWe in cupboards.
replacsaomt of ikon covering in ardor to improve wheeling surface.
S. 066 hapraven em In arcepnoug mannstences - installation of central air
condi6oaing md/ar emir glides cr electric tills when the handicapped perscr<'s doctor in
writing verifies the need far these hoprovemmm.
6. Improvements that are determined to be iatigible as aooeaarbitity inoprovemems mmy be
fitnded under the attic provisions of the Procedural Guidsdinm
A total loan of 9%000.00 will be allowed to households with aoomsiWity needs to address
both sones ibitity and general i>sIrovement needs. Although there is no fixed limit allowed
for aooassiblity wwww sects, serious huM s a ty. and code viols most be addressed
is
in addition tD the aooeam'be V improvemmentL A p Wfflnd m of the scope of im wmnmts
well be done by the programa I i
i - -
in oogjm wdm with the homeowner to allow for
the most nrgcm.meed: tD be mat
A loan application that mch des soca ml ty b*mvemmts must inelode the bnmiqF
1. An accumbWay impravemmis bra taey, eamtaiaiog a I iptian of the accea Mly
im rovemems to be made shall be induded with the inspection report;
t A letter desar8
a the bevel amd and Up of diaaDligrby the bamdicgW person; amd
b, the gedf c aooesmI ify inWovaoma b requested;-
3.
equmsted:
3. Quotes from eomnactoe i
0. Archbacmd dMWiOI r, if seeded;
S. Aoyadmrmstaialaiegmested.
Loans maps be made to households with a hamdia ffed peesom for accembft kVwvewmft
If the oomditi m of the Prooedmai G uMmes have bem fully musfied. To goali('y for
amprovemmts the handicapped pepermmust be a peemaomt owmhers of the
he
Ivolmift
The 1RtA's abpMves we to emomngp meoeneq impmvramu whereby the suncume will
be rmsomably tivd&. safe6 babbOo amd emegy eMieimt.
I. Upmr approval of the appl adm the iR1A will no* the appHmm in writing.
2 The Repayment Agrecmmrt creamed by the appliamt amd denied prig to work aompkd m
wfflbebddbythe1R1A.
Loads aW be paooessed in a reasovAft length of time in an eta amd acama. roamer
Ner uft. with the repaymcmt gpem erg filed,. a ioam spall be a wfb ted within six (6)
momtbs. If aoeopletian of the Ion is delayed beyond the 6 month period due to the
bomeowmer's negligemoe, the HRA may commit fimda to anther gwbc nit. In order for the
19
homeoOraer m receiveadditiond fuodio& they mum meet the progress schedule set. Opr+
The HRA will be responsible foe d Aussing funds to contractors who have pertbrme a wait.
PaymM far woe- completed will be made atter the wait is completed, inspected and all of
the regmte I panic have signed a oompleticn cenifiate. POW pqmews may be made if
regtrite I by the contractor ager an interim inspection and the homeowner bas signod a
ootnple6010 aetificeme for that portion of the project. Advance payments maybe made at. the
discretion of HILA staff and written approval fiom the homeowner when required for
ci I ing op ftd coat items, sob as windows or siding, and upon submission of an invoice
of mameeials atdered by the contractor.
No disbmsemmt of fundi shall be made to a contractor until the HILA is in receipt of
1. A Completion Catificate signed by the impactor, homeowner. and HRA administrator,
and
2 An anginal invoice from the contractor for the amount of the wort performed; and
3. A.pmpwly completed Strom Ccttatruction SMmeat; and
4: lien waivers provided by the s) supplier for the amount of the
wait perfatmad; and
S. Any auocemfitl Clearance Teats, if aecessay. .
Upon. receipt of the above itc os. payment may be made to the comteactor. Payment will
nomu r be made within 15 busiaas days after the HRA receives the invoice. signed
Completion Certificate and the lien waivers
The HRA will lid , 1- finds to contractors for completed watt, in compliance with Program
Goiddmes. No wait shall start an my dructme prior to the proper completion of a Work
Contract rung to specific wait items under that patentor loan. the contmctai's proof of
insurance, hoe s , and WA ibtm.
92g= Sir Q in Loan Amount
At the discretion of the HRA, an mrpenditue of fiords in excess Of the approved amount may
be approved. in the event .ofjustifiable over -runs in the coat of improvements. The HRA must
document.indesses or decreases in the.attuamt acomft to the following ptocedunes:
1. The HRA shall inspect the property to determine if the chop is justified.
L The HRA may authorin changes that meet program dgpbi* ontaia when necaaay.
bnt will not be requited to do so. Authorization wM be given by the HRA signing the
20
amendment reqI cadficate. Vabal app mel fitsu to bomeo warp and cofactor will
be sooapuble astypicawacyareIrueali do cher
3. In mo case shallthe amouod of dee loan epmee I the maw. loan amounk aroept in the
cases of accessu'bifity loan% lead-baaod paid. issues, or where a saious health or welfine
conditions; aia m agreateramount.
No loan well be oomsidere 'complete umil the following steps have been accomplished:
1. Iaspe - of dee Property -AN improvement work6 as specified in the rebabilita ien work
sunny. will be inspected for completeem conformity to specifiadon and quality of
woriomaop, The HRA will require completion or correction of any itam found lecUng.
Fatlme of a eonhaeur to eom* with sueb a nnquest tar completion or emrection of wort
is considered grounds for withholding payment.
2. Rana ft of So Repayment Agreement -The loan amount identified on the Repayment
Agiecu and will be the mmunnan lean amount the homeowner is eawled. Once the
Itepa- t Agreemmd is execmed the agreement will then be recorded by the HRA with
the Registrar of Deeds or the Registrar of Tides prim to paying any expense.
3. Completion Catifimte - fbHo wing the fiml inspection and succeasfal completion of
Wort6 the bom wzw. inspector. and the HRA Armor will sign a Completion
Catifiate priorto app payment bang made to a oonha a
ho App mvd vwmemdom
htcome Vedficahom
AU sources of income fisted an the appliadiem will be verified by the HRA The following is
a fiat of aooepmble forms of income verification evidmee:
1. Written ve ifiead m fiom employers or other income providers.
2. Copies of Sea recent cheeks or check subs, wbich a= include the ymrto-date
3. All appbcmb must submit complete fipdad income tau uenms for the he two years
unless homdmM income is not tomble.
4. Sutemenla ofdgm* fiom b=kL
S. Copia ofdeposit slips indiafing 6edepositsofapatticularchecL
kicome derived firm rem mug be verified by the erg in writing or by examining copies
ofchmb orrent rexspts.
21
The material used to vady income must net be more then 90 days old at the dm of
approval. Wthe material is mar than 90 daps old, all incomes) must be re -verified befoQe an 'w
application an be approved.
And V tiScatiorr
All assets listed an the application const be verified by the HRA. The following is the only
acceptable foam of asset verification evidence:
1. WdUm verification from baots, insurance nom I ies or other asset holders; and
2. Copies of boot statemmms, insrreance policies, premium notices and floe Lira
The data of doamuarm used in verifying assets must net be more than 90 dM previous to the
date of approval. N it is more than 90 days old, assets must be re -verified before an
application an be approved
bfgdm Stan
The HRA will cosine dust the mortgages) and/or contract far deeds) on the property to be
improved are aures I Ifpgmmts are delinquen4 the applicant. must be given fiw weeks to
mate them crnrent. The deme of the document used m verifying the mortgage and/or contract
far deed mast not be more then 90 previous to the date of approval. If it is more than 90
days old. the mortgage states must be re -verified before a loan application can be approved
Tide Verification
I. The folb wbg information will be obtained fiom the County Recorder regarding each
property:
a The fWj name of all owners of record, smft as drew MM an the tides
b. Whether it is Tuitions or Abstract.
Upon obtaining this infomoatim the HRA will delmnine them the applicant individually
orm the aa g - baaa qudifying iuterat in the property condating of at leawt:
L A vdid fife estate. Such life este comm berecorded and most appear in the records
of the, Cwmgr, or
b. A 1/3'e1ers- in die fee title. Such interest may subject to a tgagor
e. A contract for deed to the stmetuto bang hoproved.
3. In ad lhi the appliam(s) must am" the property as the principal place of residence.
To consider a property theM&ftd plM ofnaWcoc& an individual meat:
a Reside in the. property at the time of appHesdon (aroept where artraordimay
arab base made the property tempondly uninhabitable or m the ase of a
disabled person or household member who is unable to dove into the property until
needed accessibility modifiesions are made): and }
b. Occupy or intend to -occupy the property for st least 9 months of the year. fir/
22
4. For the purpose of complying with ownmahip eegnireme I the borrower may agpegste
hislher iomaat in such property with On owmahip intmat of other individuals
ocarpying the property as that prix 4 plan of residence.
The application must be filled out completer and signed and dated by the Applicant.
lodividualDsta
The. applicmft rigbis as a sabjea of data are filar desmibod in this 6oim. One form should
be given to the applicant and a signed and dated copy should be included in the file.
1. This report must include the following items:
a. General coalition of the stricture
b. Sh iclural soundnea
c. Phmdft systems including: watt supply. waste disposalfixtures andpiping
d. Heating systema
e. Electrical systems
L Roof
g. Energy efficiency iceinsulation, infiltratim window% doors and ventilation
d General Extmi r Conditions
L General bmmior Conditions
An explanation should be provided for any deficiency that appears on the inspection
report but does M appear an the rehabilitation work sumonmy for correction
The iopection report must be signed and dead by the arapector performing tha
2. MW kfimbons of the City building codes conatOMS a health and/or safety hazard or
rim* dinsiniddog the babitabitity of the residence will be noted and cgdoimd to the
applicant. The applicant will be required, as a condition of finding, to contact the HRA
Building buepector to esMbliab the .repair of dmn mgor Wrections is within the scope of
available fimdmg. A copy of the HRA Builth. g Impactots written report mot be
included in the file Ir it is detmmined that &a cost of necessary repairs ameeds the
available funding, then the lou approval will be withdrawn
23
00)
This listing of all digible improvements should be kr pt on file in case the hamoowner
11 . additional copies. Copies will be sent to the homeowner slang with a mandatory
covet tow encouraging the cogen of minority or women -owned conics, and
including information an how to seem such", A copy of this letter will also be
inchnded in the file.
The .Scope should allow OOntractor8 the opportunity to submit alternates or amendments to
wart items:
The HRA. in con m=m with the bomeowner, determines die work to be done with the
fimds aveileble. Mthe homeowner disogtaa with the HRA's choice of improvemenft items
may be waived by the homeowner, in writing, at the discretion of the HRA. The
rebabilitstion work summary list includes:
1. The improves to be done by item.: and contractor perfarmmng work and a breakdown
of oasts by item and oonteactor.
2. The total cost of the work to be perfomned aball be Good. The maximum loan amount
shall. int exceed the IS o1
a. $20.000.00; or
b. The actual cost of the work perft=d
EXCEPT when the project involves accessibility or led based paint improvemenft
W= e the maximum loan amount may be M000.00.
The HRA lixeartive 'Duedw may approve an additional loan amount of S5.000 00 if the
amounts sa>morixed above are mmffwu t to bring the home up to minimums property
atamdmda.
Cartractor promossbz
The homeowner must obtain a minimum of two proposals for all of the autbanzed
improvements before work can begin. A Repaymmt Agreement must also be signed and
nomrixed before work start-up. All proposals most conform to the minimum standards of the
opecificatno' ms. The lowest bid will be aaoepted unless customer specifies theyare Fayiog the
Mbrence betwem the low bid and the bigh bid.
24
Work Qontrad
Wort will be completed bdwem the cocteactor submitting the lowest acceptable
proposal and the homeowner. A copy of each proposal must be included in the Woak
Coatrad. shall be completed within the time flame specified on the Wort Contract. The
HILA may gad an ac- inn as needed. If the contractor does not begin or complete the
walk within the time fume specifi4 the work contract may be canceled and a new
FM , me*or aeiect &
tet
This foam outlines all changes m the approved loan amount. other or subtmcbw4
by each aoetractor. It must be signed by the oonha 11 m and the homeowner and approved by
the HRA. Every dfm will be made to beep anuoulment requests to a.minimum; however. it
is appropriate to we the amendment regaest as a means of dealing with rmfaresawble
eie noes.
SWO& Cbmitruction
Any firm or individual contracted to perform work on. the residence anal submit a swom
constructm statement law to any work taking place on the property. The swam
coatrruticn statement mast list all snbcostractors and/or suppliers costrihrrfing to the work
for which the invoice is being submitted and must be signed by the contractor holding the
Work Contract. The contractor's sigusmare must be noterizod. The purpose of this foes is to
ensure that the contractor hoWiug the Word Contract is liable for soy failure to pay
syboontractoa I kuppfiers involved in the pa i=L
The applicau"a fife will contain a signed and dated receipt Sam the applicant. admiowledging
that the HUD approved mfoamadon on the dangers of lead based poisoning has been
MICived. Also this aelknowledgment states applicant received a black copy of a Work
Contract, an improvement of work procedures firm, a copy of the Repayment Agement. an
individual dda Confidenhality statement, m authonzador to release infoaaad n fora and
iommmtian on minority and women owcai businesses.
Data, an Madividual
this fiul provides inform d= pertaining to enviwnmentd assessment, historical
preserrab n, Section 8 Har mg Quality standard:. Cemtw tract data, zoning classificatim
honsemld size, asses, and amoral encore.
25
W
The Repaymaent Agreement moat be inchrded in the loan pactage. As speafied in the
provisiDW of the Repoymenm Apoemmt, the homeowner shall be required. to naft the TRtA
bonsaffimelyr upon the sale, teans6 conveyance or eemati1 of residency of the property.
The Repayment Agreement provides that in the event that the improved property is sold.
teamed, at otherwise conveyed by the bomewroer within the specified time period.
The homeowner wM be required to pay the full amount of the loan within ten (10) years
fiom the deme firm the approval date of the application. if the property ceases to be the
bomeowna'a principal place of residence. Should the homeowner retain the property
longer than 10 years but las than 20 yeam hdshe shall pay an amount Nod to a IWA
reduction each yeas after &a 111° you until the &Vh year when the full amount is forgiven.
The Repayment Agreement is a lien an the improved property. in favor of the HRA. as
security far the ban mount. In the event of the death of the homeowner, this Ken may
pals to hislher heirs provided 0-,y oontimue to occupy the property as their principle place
of resideom
The HRA will exercise extreme ease m tha execution of the Repayment Agreement
Ice P I to creme that the lien is valid. Any inaccuracy or ems may have a
ngptkv efct on the validity of thy; lien.
Prior to the approval of the loan package the iRtA must eaarne that the Repayment
Agreement be properly complexed in as much as
a The property desert must be m1! as it appears in the property records. Ifthe
applicant awns property other than the property to be improved, a* the man
of the property to be hquaved should be imabded.
b. The recad naoars (the roma c mcdy as they appear in the property records) mut be
need by all sipetmes required.
3. The fallowing is a brief discosdon of the signatures required under particular properly
ow!e rehip situs -am
L Any JOINT TENANCY — sipatma of all joint tenants are required.
b. Property held by ONE SPOUSE — agnsimes of BOTH apomm we required.
c. P.oprty behi in IRE ESTATE — signmma of the applicant (Kfe estate holder) and
all U the rmsiadermen.
d. Pieperty bang pmcI 'an CONTRACT FOR DEED — agmatnres of the applicant
and all individuls who are agpgpft their * - - to meet the ownership
requiremmm; and the bee title bolder (and apouae or others, as applicable) of the
property; and the signatures ofany, intervening veodaes of the contract for deed.
e. All n qWM signatures must benotariz4 incl ft the "mark• of a signatory who, is
unable to write (such a mark must be witnessed by at least two persons other than the
26
mtaey} Additional actdowledgmems may be added to the Repayment Agreem oot
filrm to accommodate arp neoeasay notarh adorn.
d. The R*ymmt Affecoveot Will ahaw &a maximum loan amount. Should less than the
mendmuns Ioun be needed, the applicant Will only be required to repay the actual anu ant
1 1 1 ft remems. An ameodmmt to &a Repayment Agreement will. aeod to
be signed upon closure of the filo whore tho exact dollar amount on &a original
R*Mmmt Agreement is not the wend amount used.
S. The Rapaymout Agreement and any Amendments to &a Agreennot shall be Sled With the
proper reoordigg ofiica in such a meaner as to cresta a valid 6m against the property. It
is the reaponabitity of the iRtA to record the Repsymont Agiemrmt.
ti, If any bran funds am used for porposes other than an ethtytole improvemaht ap n an
eligible property or if -the homeowner application is found to contain a material
mid of feet. tha bomaawner shall be liable for repayment of all or part of the
originally approved loan funds. In addition, my fisudWmt use of funds may.abjat tba
reapimt to fines and/or imprisot>inent under the Minnesota Criminal Code.
Invoices mast be obtained fiom each firm or individual contracted to perform wort on the
residence (a general eodtractor can submit invoices an behalf of a subcontractor). Invoices
must be provided far all paymaot% interim or find. Invoices submitted to the HRA must be
originals and not copies. Paymants are typically processed &a fbIbwbg Monday providing
that tha invoice was received by 4:30 pm an Tuesday.
A copy of all 4m waivers referred to in the sworn construction pmt, plus the lien
waive fiom the contractor bolding the Wort Contract most be included in the file. The
original lien waivaa, which must ba seemed before appy payment is released, are to be passed
tato the bomaawner fallowing eloseoot of the fib;.
letionCertifiate
Thu boaaeownW, inrpeeI and grant admirhia>rator shoadd sip this farm wbm ft wort a
completed. If tho approval of more than ane inspector is regairdd, thm copies of the
insa Tian notioe(s) abouM be attached
27
This Ibrm should be used to document my camplaim brought to the attention of the HRA.
petOne - to the of the program and the rmipouac of the HRA
to the complaint
tl'iJ--U= r V 'TS= d =*LLSa0---, , I1 tl-LL •.
ARa wort baa been convictedthis form would be sent to the homenwow with doammma
such as the lien waiver(s) and copy of recorded Repeymmt Agreement. - The homeowner
would addmowl dge receipt of the donrmem and Ri the farm to the HRA for inclumon in
C4caft file.
Lu d.Based Paint aaaard Reguirlmeres
e The following procedure will be followed for all homeownem-
A. Diacoadon ofthe Lead Basad Paint (LBP) requirements will talcs place at the initial
meeting with HRA staff as well as receipt of the Lead Hazard Inknoaaan pamphlet. The
Cintifi tion of Reoapt of LBP information will be signed by the app`:ant and kept in
the appacow8 file. ,D
B. The Rehabilitation inspector will perform a visual asnamneat & og the regular rehab
iaspectien. The Vuunal Assesmmmt will identify the presence of my ' 1, k r and exterior
paint. The inspector will document the presence of any deteriorated paint.
G Ifdeteriorated paint is found in a Name built before 1978 and lead hazard redaction work
may be seeded becamic pointed.smb= will be diaMbed during rehab` the appropriate
level of hs; estiog and other action will be initiated. ane HRA can also assume there is
LBP and t." appropliddy relief than ML
M V finther evaluation is needed. the HRA will contract with a certified Rist Aammano to
0 the necomary tats to determine if and where time is a lead hazard fiat. The
Amoma ent report idmtiR the presence and b mdion of LBP aced the areas that sbmM
be addressed. Cosa of biring a Rist Assessof nen be.nW into the Rehab loon.
E ff LBP is formd. the homeowner will be notified of the presence and huca-1 of LBP by
the HRA As a.conditior of receiving fundiv& LBP hasards must be addressed and head
a& work practices will be required for or, rehab wart tisk disturbs painted sur6roes.
Appropraiame.lead hazard reduction measures moat ahm be' noorporatad into the Soope of
Improvements. (%amore of the unit will also be required. A copy of the clemsocc reports
will be given to the homeowner and kept in the homeowner's file.
28
Rap ymmtotA oce
Repayment of the dd Wvd paa ban shall occur upon the enfiest ol:
Sd@6 ratter. or conveyani of the p WuW
Thepro mly eeases for amy reason to be tie ban appliesoes pdndpd place ofreddenee.
At the oma of a payamm% the HRA will peapare and comoca o a. Samoan of Rcpymmt. The
Sam of. Repgmmmm wM be amt to the Title Cempsoy (if one is involved in the
ummdo4 who wM be mpmaW far re0ord'ueg the Satisfaction with the County. IE a Tide
Cam mmy is not involved the HRA will rause the Setishodon to be re00rde I At the request of
the homeort w tha HRA will aend tho homaawn, a copy of the SaOsbetion as wdl es the
arWindRombsomyNoftis IIi it has hoes t atisfiml.
Fssq(vemss of Indeliteduces
bdebeedocss of the principal shall be fozgiven at a tame of 1096 of the arWmd pmincipal amount
per year commencing at the end of the tooth year of the HRA ban The ban will be eomplemel
forgiven after the ttrmoetb year. At the time of the fingivmess, the HRA will p qme and
e umm a Simon of Rgmymmm. The Satisbcoon. of. Rgapmem will be reomda I with
Hmn*k County by the HRA. At the mquat of the homeowner, the HRA will send the
I m ,1 rmr a copy of the Sads&cdm as well as the arigind Pmmiasory Note g it has
been safidbA
E Subard6mamioa
A. The [olbwft inkm adon most beprovided before a request for subordination can be
considered:
I. Cumem Beat mortgage balanm iaum rate and teem
2. Rmsans for new fiamcigg (or ese of proocads form new finane.7W
9. Proposed ban amount ed inmaeest wore and teem
0. 'fitbwest forp0 A ban
S. Copyofappraiad
6. Most mo of Hmecpin County matbet value ofpro miy
7. lahmmadon at other bans on properly. inch d bloom rare and teem
9. Date HRA ban was filed with County and dI P
10: Fldl name, eddttss, phone number and wmsil address of new lender
11. Good Fait Faomams fmm new knder
B. lafommadan provided will be sodysed tD demesmine the appropriotmas of man of
the HRA1r mortg SL All of the hBwwft eaitais olmt be met beftao aubmdnatim can be.
qVIoved:
1. All eaieeoa I and proposed properly lima equd less them 9096 of the: appraised value of the
Prapow.
29
X The asubordioetionk neoessagr to ee6aamce the principle balamoe of erciatiag prior lima an
a properly plus rdamed coats and finance additional cHgbk home improven ms. Up to
3096 of the net.proceeds of the loan may be used for other uses. Lem to finance home:
improvements wrll only be anbordioamed.if moat of the inquovemmts are eligible order
the Hama Rebabilitadon Program Guidelines.
3. All etigibk imp me seems identified as needed by the HRA under rim Houswg
ReI 111 -ad n Program Guidelines const be dame as put ofany proposed before
say fiords mood far ather improvements at aomsolidman of other debt ho dia new
finamiogasaoon I'dmofthesubordination.
4. Strbordmadon eras be judifiable as an appropriate ase of public finds and in teems of the
propose of the original loan to provide asaiatanoe to income quati4ft persons without
the menu to maintain their house.
C. Ifft above criteria are not met. the HRA will not subordinate its mortgage. The chew wiH
thin tied to eitherobtain finsoeing that is to the HRA's mnoefae ofpay-o@'the
HRAs loam as a condition of the finsocing
D- Appals regarding interpremtian of snberdioa>ion requirements maybe made in writing to the
HRA's Encutive Director and the to the HRA Board of Commissioners. Raquel for
appal, which clearly do not meet the subordination requumrems, will not be eoruidaed.
TallF mdbg
The HRA will also set aside a portion of the budgeted rebab funds to be used for Small Repair
Grans. The amount of heals will be set by gaff based. on. andc%wbd demand for the program
and balance of rebab fiord.
MedMeall n and Term hud n of Program
The Pb=ontb HRA may amend the Procedural Guidelines firm tion to time by hausaoe of
revised pages, which shall be eeative as of the data of ism% or such lamer daze as the
smendoment shall specify. Administeadve memoranda may also be issued which discuss policy
ioteeY - Ii .
cbtrifiatim of prooedores andotheradministrativetmatUm
fie it Relent
The rim idendfied in the Rep a=M Agreement must be eoBectabk. All asistiog mortgtger
eonhads for deed. and -other mamabeaaca, including that Repay em Agreement, most not
careered 10096 of that molars value of the property. Martget value will be determined by the
most treat assessed value of the property. Ifthe hommeoaner has a current appraisal. the
appraisal maybe used to determine the motet value of the property if nocessuy to show
sufficient equilr..
30
The qd4Y mqire`d nW be waived at. the Awedon of the HRA Mmutive Director in
con oiameqpocyni
Previoas Re ONT116M
No property sladl.be eligible far a housing rehabr'litstian loan if it has boon improved with a
PlymaOh HRA rdm107itaticn loan within the 10 -year Period imma liatdy preoe I the date
an which application for such a loan is made. An acception may, be made in estraordinary,
ckajusiances fiom dmwp to to property as a remit of events beyond the control of the
applicant or releaog to health and safety concerns, such as failure of phmd=S beaft or
dectdcel systems, or as determined by HRA staff in such circumstances. provided that
fundmrg is availoli ,the applicant can receive amiatanoe limited to conacdog the damaged or
Mad systems) only. No other etigble work can be caniad out until the full 10 -year period
has elapsed.
Applicants with a previous rehab loan from over 10 years ago will be limited to essential
repairs arch as coreec- bath and safety hazards or repair of mayor systems, such as
pbmrbi& decutcal, at beating faW-- Until the previous rehabilitation loan is forgiven, m.
additional work wM be allowed unless it is determined by HRA staff to be essential.
The homeowner must be ctnrent on all mortgage payments, property taxes, income taxes and
bomeowncr's association dues.
Honeeowner must be capable of mainminft the home. Loans will not be approved if the
condition of the home demonstrates that the homeowner is not able or wilting to properly
maintain a borne. no axporemeat includes hou9dwepmg problems as well as neglectful
mah mance.
Floodhostwence
The I i i I i g entity will comply with the food insurance purchase requirements of
Sectlen 102 (a) ofthe Flood Dhasoer Protection Act of 1973. Pub. V 9304,87 Statute. 975.
Waved December 31, 1973. Section 103 (a) require the purchase of flood inauance in
oommoaities where sub' is available as a condition for the receipt of my federal
fimaaal ass>stsooe fbr constnutian or acquisition purposes for use in my area that has been
idmtified by the Secretary of the Department of Housing and Urban Devdapmeat as as am.
having special flood tianerds. the phrme •tb&d 5neocid as sistonce" io cl des meq form of
1004 guarante4 ioaerance pysnen% rebft sobs*. disaster assistance, los% or my other
foam of direct oriednect federal assisfenoe.
T LSBdlot
31
Each inV ovammt mast be made in compli with all applicabh: health, fire pipvaefir I
building and housing codes and standards. However, nes application for a loan shall be
denied 'aft because the improvements will not bring the property into full cocaplionoe with
all sorb codes and standards.
Farmer, when wast is done an my system within the house, upon completion of the wud6
do entire qwM must mast applicable 0.408 and standmehe. The entire of acture may still
eootain.omer systems that an not up to applicable codes and afandaeds. on the coudition.that.
no wast was done an these systems.
Naming in the Procedural Guide shall be eoosuved in such a manner a to couffict with, alten
or snood aqy FedemL Sterne and Local regoladons.
1. The HRA is legally authorized and 000stb - -Ito administer the Housing Rehabilitation
Loan Program in the State of Minnesota
2. No pauwft fees or remuneration of soy typo whatsoever have been solicited or
received Gam my apphcmu ar quaFXmd hncmeoerrms.
3. Aft reasonable iaapecI the HRA has no knowledge that any improvement eovaed
by me kma is in violation of any rile zoning law or regdatian.
4. Any employee of the C by of Plymouth who is authorized to sign or countersign checks.
draft or to c i tjr vouchers shall be covered by a surely bond of not las than $1,000.000;
such an employee mast be an authorized signsmy as evidenced by a written instmmad
ofthe embody.
S. The HRA shall maintain doaamontatiaa accounting for all funds received tmomgh the
collection of liens as prescribed in the: Repayment AgmemcoL
No applica ut shall be cbargad my pmoesing, at other fee
Cost Standards
To ensene that cost reasoneslmas standards as outlined in OMB Circular A-87 we
complied with, all propend wast will be described in.a Scope of hoprovessents (wee page
22) in sore detml that canepedlive bids may be raft obtained. The Scope of
hoprovements will specify brand, type, aadlar gMft of the materials to be used as
2. The HRA 1 1, - -- 9 will use the Scope of haprovemeots when making inspections to
detrmine compliance with the Scope and City coda.
32
AdM=dCamudWTrWMMReqdrmmft
31[7-,j
lbosa cl[aas in used of credit counseling will be refeeruA to Community Action for
Suburban Hennepin (CASH) in Hopkins. CASH is a nosinfit S01c (3) community acts
agemuy servms Plymouth and a mm hw of other west subinbari commumti.-s. Hcmor wnas
veha appear eligible far ane of WMA's pmgmms, but who mete they have a msertgage
delingmeopy or other credit problems, will first be encmwood to patieipste in a credit
counselizig program.
Atter credit problems bave been sadatietortily resolved, the Deferred loan applications can be
forvvaeded to Hennepin County Noosing, amity Warta and liansit for eligibility
asseasmmt of N WA programs.
Applio mus for N M FA's Fa -Up Food and Defted Loan Program will be referred to a hma
batch All ngectad far WIFA funding may be eligible for City assismoce
acewding to CDBG mudebna Homeowners unwilling to pursue counseling assistance or
who are unwilling to resolve adsting credit issmes kAq mdmdy will fend City fmoding
resleicted to certain essential improvemeom Funding for these applicants would be limited to
the following repairs in the Merry given:
1. F.masmcyhealth and safety.
2. Public sewer and watt hoot -up.
3. Mgor snucvmd work where the homme's saucand integrity (i e. foundshm beam%
walls acrd root) is compromised and is in meed of prompt repair to prevent further damage
or deteriormions ten the borne.
0. Megan internal systems (Le- plumbing. bion water, dect ical) that are functional but
seed reph ovotent or oppading under cmum code nquha tea.
S. Other code viobttions
Homo bbintensoce and: WAsiberization
Clients in need of this traisisg will be urged to attend, as classes are avaUebhs Rzoding may
be.restticI 'to the easential mtp ovements sited above for ciente who we unwilling to attend
these err alb r waatshopa aponsomd by Community Actin of Sub uben Hennepin (CASH)..
Climb in need of counseling will be refaced to oppmpriale human service agencies for
essisteooe. If the client uefuaes the referral and doff determines counseling is requiredin
order to slow the rehab to proceed, no further assistance will be allowed.
33
w
Laprovemmis to a dwdting designed to enable a disabled person to function
i epmdeot 7 in a ns idmthd settin& such as p mvisions for adequate space for
mmenvaiog access and egress, (botb in ameiior and metier spacn) and insuffialm of
equipmcat to is mume case of ase.
Applicant
An io or household submitting an applicafian for a loan
6. Aow
Cash, bank a000rmts, bonds and cash value of inswunce policies, cub value of
teaeatianaI vddclea and any other pasooal propety acclud ag antomobiles, clothing and
fimdbne
CASH
Coarm o* Acft= for Sabvrbmr l mMm. a mon-profit communty actin agency
serving Plymouth that provide; financial counseling services to lower ince households.
CDSG
Tho CaamumW De olq=ww Black Groat Program6 an annual ettide ent program
prouiidod to the City of Phymomh tbroagh the U.S. Department of Housing and Urban
ne (HUD)
CZE
The Comerfir AkwV and Ehvb=LwK a non-profit agency that administers Reliam's
wcadbuizadan Assistance Program
Date of Loam Approval
The date all required patties sign the repayelm agreement.
Dlsabtad ft:om
A person who has a pe naneot physical condidom which m&mWdly impairs the ability
to Nmedon indepemdmUy in a reaiden ial sating, or which suhsunds ly limits the aMty
tD baoOMI employed or to pwdcipate in the commumity. A person with a condition such
as chronic emphymma, ar-1 s. bud disease and other %winble conditions not
tegWft the use of devices to increase mahilky shall not be deemed a handicapped
per.mkm I gewmd obnkke yffffift In wddm that a pudcular condition does
mba mial yr limit the abiEW to fimdim indepmde dly in a residential setting, to become
employed m to pattiripate im tho oo rmiry.
34
Ekmded Blood Level
A had content of 10 ug/dl (mom per decciMm) with a lead cootmt of 20 uWdl
minogcams pa deniter) in toe test higgaiug en inspection.
Zomqpocysuwdba
A oonditian requiring immediate and uegmt anention, which theeaI of imperils the
hmlth and/or salt of the applicant bomebold. The curium opioioo of the City Buildog
of Housft Impactor detailing a code at safely violation or violations may. at the
discretion of the Housing Specia5d. be an acceptable definition of an a magency
sitn fim
Henneple County Mandeb Camm u ft Wort and Thank
The Hm qm County Housing. Ccmnm ly Warts and Transit; a Hennepin County
dea ey thatprooesse . -MHFA bousing rehabffitsfun bans.
Hoosebold Cans Immure
The annual income of all residents of the appliant's household, as determined in
acoordanoe with these gcidethum
Haudog mon Ddmm d Lean
The commitment of foods an behalf of qualified homeowners for the purpose of mating
twoperdes.
HUD
The United States Department of Housing and Urban Development.
Lead Bead Paha
Any paint sm8ce witb had content greater thee. or "Cal for 1 mWbm 0.5% by weight.
ar S.000 pares per mum
Loco PtaIN
Consists of all q*Hable documents listed as follomm
liomeoanc Application for Deferred Loan
And mimtiau to Release htfroulian
hWhidnslDam Confidasosligr
Land -Based Paint Pasoomg N otificatim (ifn wdva)
Federal Income Toa; Recomm; for the two previous years
Ioeome Verificedom
And Veei&adon
Recant Baht Statements
Mortgage Stems Verification (trD
Associatian Dom Surma vaifiadon (ilmeed env
Title ve ifiadon
35
Scope of kWovemm Mark Proposal
Cmn- mmtcrBids
Work Cantratt
Amendumut Request Cartifieate (ffa
Oontract m Bills
Swann mon Stst mint
Lim Waives
Completion Ckrdficate
Data en hWhidtml Loans
RopopmentAgreement
PARFA
The Mionesota Housing Finance AjAmy; a Minnesota State agency that administers a
variety of housing rehabilitation baa programa
QOINf led Homeowner (borrower)
An individual or household mating the requirments of the Eligible Recipients section
who receives a ban
moment Agreement
A document dot places a lie against borrower properties improved with.program. funds,
The precise tams ofthe lien am spelled out in the Repayment Agreement.
Resident
A person, other than a mater. living in the bousehold for at least nine.aonaft of the year.
Wort Cantraet
A program document executed by the bonower and the contractor which establishes the
lama and conditions ander which program fimded work will be caaied out. The HRA is
NOT a party to the eonhac-
W
36
2002 Mazhs boome UmftB
69% of omdbm' adjmled for housebW do as deftrwined by BUD)
Household Size
2 3 1 4
32,220 1 36A40 1 41,400 1 46,MO I _ 49,M
1. 6 1 7 —1-8
1 53.400 1 37.060 1 6%720
37
v.
R
CrrYPF PLYWOUM
3400 PLYMBU M WULBOARD, PLYmoun , MN Sw
DATE: February 12.2003 for Housing and Redevelopment Authority Meeting of February 20.
2003
TO: P Housing and Redevelopment Authority
FROM: J&M Housing Manager, through Anne Haut. Executive Director
SUBJBCr: EM Strategic Plan Stakeholder Response
BACKGROUND:
On February 10, 2003. the HRA held a stalwbolder meeting to present the draft Strategic Plan and
solicit comments on the plan fiom interested groups and individuals within the City. Staffs
interpretation of the meeting is that the stakeholders were pleased with the overall direction of the
Strategic Plan, however, they did provide mons both written and orally on areas of the Plan that
May would like to see chaogod.
DISCUSSION:
Attached is a matrix detailing the comments received Rom the attendees and through letters received
fiom those who could not attend. Staff has reviewed the comments and provided recommendations
for a response. We would suggest that the HRA Board review and discuss the comments and the
subsequent staff r000rnmeodations for response and make any necessary changes.
Oneeft Board has decided if any of the comments should be incorporated into the Strategic Plan,
Staffwill prepare a response letter to the individuals cementing on the Plan, indicating what action
the HRA will take on the comments along with the reason behind the action or non action, as may be
the case.
I recommend that the Plymonth omlrg and Redevelopment Antho ft Board of
Comm6doners dtsea:, the atoscbed comments reedved on the draft Strategic Phm sad provide
staff wNh direelloa no any ehaoples to the Phan.
AITACEIEN UCM.
1. Draft Strategic Plan
2. Strategic Plan Comments Matrix
3. Comments Received
kV -mm* 'ANUFASuUMUMAasaiew.srae smme:
Plymouth Housing and Redevelopment Authority Strategic Plan
Comments from Stakeholders Meting, February.10, 2003
Comment Staff Recommended Response(s)
1. Make language stronger, more pro -active (i.e. "solicit" developers, The language contained in the Plan is action oriented, particularlyin
promote", "require") (Barbara Brooks/ MICAH) (Ken & Liz the Affordable Housing category. The HRA does not want to bethe
Brannan Wendinger) driving force in economic development at this time and believes they
have a contributing role in redevelopment, so stronger language
would not be appropriate.
2. Include sum: language about approaching residential developers at The HRA and City staff are currently doing this when we me.ot with
initial point of contact with the City (Barbara Brooks/ MICAH) developers through the Development Review Cowmitt" process.
We also believe that 4A of the Action Plan encompasses thin.
3. Let Hennepin County administer some programs in Plymouth to Currently, we are part of the Hennepin Cu •sortium comprised of
increase availability of funding for FTHB & Home Improvement Hennepin County, Bloomington, and Plymouth. We share many
programs (John O'Donnell/ MICAH) responsibilities to lessen the administrative burden on any one entity.
The programs we offer are complimentary and not duplicative to the
County's housing programs. Por example, Hennepin County
collaborated with the City for the Stone Creek Village project and
used some of their resources and programs. The County often
requests to work in the City's jurisdiction.
4. The IiRA help more than five first time homebuyers. (John This is a minimum goal the [IRA set based on current levels of
O'Donnell/ MICAH) funding. As indicated in the Plan, the IIRA will look at other funding
opingunitiea as they arise to increase this number.
S. Maintain affordability of assisted units by using deed/ resale/ rental As stated in the Ilion, the I IRA will use mechanisms such as
restrictions on properties (John O'Donnell/ MICAH) Restrictive Covenants (decd restrictions) to maintain affordability.
The City Council and the HRA attended a presentation on Land
Trusts. At this time the MRA believes that there are more cost
effective wa s to achieve this Goal.
6. Action Plan item 4 B (Mixed Use Projects) should include mixed It has always been the intent of the'. iRA to include a variety of
income as well Paunay/ MICAH) incomes and design4 in all of the projects they get involved with.
7. Action Plan iters+ 4 B (Mixed Use Projects) language should be
changed to seek multiple developments within the City — not just one.
It wap never the intent of the IIRA to limit any development
including mixed use. As projects come to light, they will be
thoroughly cvoluatcd based on the project and available resources.
The MRA will get involved to the extent possible. As a practical
matter, the [IRA's Staff capacities and finances may limit the ability
to pursue multiple projects at the same time.
8. Time line for Action Plan item 4 C (developing recommendations on. This action item involves multiple departments, commissions and the
City regulatory policies) should be moved up to be completed a year City Council. Given current staff resources this is a accurate estimate
from now, not to be done in first quarter of 2004 as proposed (Pat of when we will have a draft policy evnilsb!c to present to the
Murray/ MICAH) Council.
9. New Action Plan item should be added (4 E) — to acquire real estate Acquiring property is very expensive and the HRA is limitcd in
so as to control long-term affordability of housing (Pat Murray/ financing sources that would permit us to acquire and hold land for
MICAH) Ken & Liz Brannan Wendinger) an extended period of time. As indicated in number 5 the HRA does
not view the Land Trust model as cost effective at this time.
10. Importance of Action Plan item I D (maintain affordability) should be See response to questions 5 & 9.
increased; the City should control future affordability by owning the
land or using land trust (Pat Murray/ MICAH). Would like to see
ID converted to a new NS. (Pat Murray/ MICAH) Develop politics
that keep affordable housing perpetually or our money, time and
efforts will be wasted. & Liz Brannan Wendin
11. Redevelopment should include affordable work force housing. Redevelopment encompasses many different types of structures
Affordable housing should not be lost as part of redevelopment including commercial, industrial and housing. There may be
process (Pat Murrey/ MICAH) redevelopment projects that are not conducive to housing due to
location and site conditions. The HRA will evaluate all
redevelopment projects to see if a housing component would be
beneficial to the overall redevelopment.
12. Comment on overall strategic plan. The language "to the extent We disagree with the comment that "to the extent possible" is too
possible, is used throughout the plan. The usage is too liberal. (Pat liberal. In our opinion, this phrase indicates that we will do our best
Muff / MICAH) given staffin and financial resources to carry out the Action Plan.
13. Action plsn for Human Services should include 49nsportation (Emily Transportation is already being addressed in the Human Service
Harding, TOCP) ategory as the HRA funds senior transportation services through
PRISM and the City is also funding transportation services. We also
evaluate the projects we get involved with in regards to transportation
to ensure that multiple modes of transportation are available to the
residents to the extent possible.
14. Questioned under Vision Statement the second sentence reading "for Many of the HRA programs have a priority for persons either living
resiJents and people who work in the community" and asked if they or working in the City, however, it is not a requirement as that couldIhavetoworkorliveinPlymouth. (Emily Harding, TOCP) violate fair housing regulations.
C, VOA
IS. What if businesses with vacant land (ie. Prudential) could use that The HRA is very interested in working with Incal businesses in a
land to building housing for lower-wage workera'1(Cork Omburg) variety of way to increase housing options in tho community.
However, due to the cost of land and the right of a ptoperty owner to
decide what they intend to use their property for we are somewhat
limited in what we can do. Businesses in the metropolitan area have
not embraced housing issues as they have in greater Minnesota.
Until this becomes an important issue for them it will be an up hill
battle.
Ib. The City needs another Plymouth Towne Square project. (Cork The HRA will evaluate an opportunity to build another senior facility
Omt as potential sites and projects are identified.
17. Residents should have "first diW' for HRA programs Cork Ornbur See item 14 above.
Ig. Initials used for first mortgage products should be spelled out. We will correct these in the final Action Pian.
Frank Weir/Planning Commission
19. Suggest mentioning that a diverse society be included in the plan. The HRA could add language to the Vision Statement pertaining to
Marty Guritz) this. An example might be to change the second bullet to read "That
oilers a variety of affordable life-cycle housing choices, dispersed
throughout the City, for the diverse V ul rtion that lives and works in
the communi '
20. 1 priority for Plymouth seniors is transportation. (Marty Guritz) The HRA has limited resources and needs to focus on certain items.
As indicated in item 13, we do contribute to transportation along with
the Ci!X.
T. Inquired as to what Plymouth's definition of affordable housing is. The HRA considers ownership housing to be affordable to a
Marty Curitz) household that is at or below g0% of the arca median income
54,400 for a family of 4). For rental housing, the HRA considers
the housing to be affordable to households at S0016 of the area median
income Sag 3S0 for a family of 4).
22. Make every effort to get affordable housing units whenever We believe we are currently doing this. Please we item 2 above.
developers make a proposal to the City. (Ken & Liz Brannan
Wendin er
CNhousing/hra/stmtegicplaNstakeholder meeting c-imments Anne's notes.doc
Plymouth Housing. And Redevelopment Authority
Draft Strategic Pian
Draft u F his M Janoary i4 2m
F 717 _ill a
TD AWbrlty ommel health
of the community
II
SO &a ceation and maintemince of afibrdable, hfb4yde bousn& ad active
m6ecw3andredevv4posmi
vofl Statwront
1T" Plymouth Hoasmg and RedevviMment Anbrrty is a mbar cwMUw to crea 1g an
wAlomicaW bmft and divase eommuar.
which is snppoative of q=111y offndable bousW&
Thee ofiers a variety of affordable lifecycle busing choiaxa dispersedftOU&M the City for
eesidmts and people wb work in &a comity.
whore the Custma busing stock is well mamumed.
where some older commercial buildings and areas of the community are redeveloped m a timely
hddoiL
wbM aequniea additional resources to address affordable housing and redevelopment issue.
where the HRA works in parmashiip with citixem, bushows. the Cary Council, and other
whore the social services necasury m support housing and jobs in the community are available
gap
G08 8
1. Maintain the high qu fy of service and innovation in all of tbe MWs pungens.
L Provide technical and financial assistance to non-profit and private housing providers and
developers to assist in ionasing ft range of housing options in tb community.
3. F.nrploee q*wumitiea to increase the avai Ne resource for affordable hoisting wkk
mkimWM as much as possible the impact an local financial resootces
4. work wits all pmpoaed homiuS devdopmeots to me estusm poss' m mat the busing goals
stated in 1b C Ws Comprehensive Plars
S. Cobborame with ft Qty Council and Plammg Commission in carrying out the Housing
Mor- -= Stra teem of the Comprebonsive-Porn.
Continue to maintain PlymomA Towne Square as an aflardable and independent living busing
spoon ler Plymouth urmiers.
7. Commumicame with steloeholde s and.M=sted paeoas shoe HRA activities.
Action Plan
This action plea identifies specific aebOUS that the HRA will wor! towards in 2M and 2004.
Aumbed is a mese dewilod timdine for each action atop.
A.&&ft FM MgMa - Assist a mhfi r of S first time bomeboyers annually by
providing down payment and closing coat assi-anoe atihang causing CDBG fimdian
Msaaome ,Bats to increase the number of assisted homebuyers by applying to the
State Cooaty and other funding sources when opporamities are presented and are
hasw-
B. AuWw ftg dw h2MMhW Mom maddher - Update program guidelines to anise
thry are etnrent with nmar>oet nen I and provide eneded to new residents.
C - investigame and consider becoming an administrator for
programs such as the Mmoesota Housing Fumenx Agency's CASA. MCPP, 8t MMP
EM mortgage products.
Q Abiann aAbn&Mft- Use restrictive covenants and the right of first refusal to
maintain afforbity of HRA assisted housing.
2. Pmser gkn Of E49M Housing Units - Objective: to preserve the existing housing
aroyl and assist low and moderate homeowners with needed
A. &Mkft mhab MMOM - Assist a minimum of S homeowners ammralty by providing
rebabilitalionassistancedilizing existing CDBG funding. Maximize efforts to'
On m®I of asaisted homebuyers by applying to the Stag County and caber funding
sources when opporbuddes are presented and are fmsibte.
B. Ahndw awwame mb&bztkn gMMM nddmknn - Update pm8un VAchm
to ensure they sic cement with market trends and provide needed to existing
residenma.
investigate and consider becoming an administrator or ooaI with an
existing adonownator, for programs such as the Minnesota Houdog Finance Agency's Fk-Up and
fib Fk-Up owaenoacopied rebabilkadon programs.
3. Rental Hotrsimt -- mw otyadve is to provide area residents with asudabie rental housing
a CV
A. Eikaa ftr - Review applies&= brought before the HRA for Hoaxing
Revenuo Bands with the dtgective to inaeese the sopply of affordable rental housing.
R Seedion 8 wmed w mooraur - Coution to encourage and maintain the high landlord
paetieipamiOn. voucher and W -W rate far the very sueeessibl Section 8
program. Whenever posar'bk apply for additional vouchers through HUD to'
So member of households served.
C. Saffm,a And MwAerz - Implement the ew projeet-based Section 8 ` }
vouchers committed to the Stone Crest Village a, I I When opportunities are V
presented. evabuft the option of converting "traditional" vouchers into project4ased
vouchers to ensure the vouchers remain in the eommuoity.
Q PhOORIA TOWNRAMM— Continue the bigb..kvd of upkeepmaintenance. and serviex
at the HRA% Plymouth Towne Spm armor spantaents. Review the emir Fwaty
anusft, mch ffiva the vent structure. aperamng budget and reserves to emsure we we
mimmiaiag the properly tax subr while pvovidiag the r with. an affordable
phdoe m liva
4. Of New Hensinet MIN, .Objective: in ieecresse the supply of affw&l*
and lifecycle housing within the City.
AAkIM ammIgNa togifs — Develop a comprehensive list of available financial and
vegal tmy options and utilize the sources to the maximumextent ptambk to assist all
developers in the of additional affadibk units.
B. Affmd cess l — blcof jr potential sites fc: a mixed use development in the City
Causer ares. and begin dialogue with properly owners) and possible development
paetaas. Based on the reach of this effar% devdap a project plan as needed.
G BOB&= MWWm — Develop a set of recommendation relating to City controlled
regolatmy void such as se t4adt mq , density bomon and minimum lot
widths that cm be adopted by the City Council and used as tools to produce additional
afibrdable units.
D. My aoard ledfig — Develop a set of criteria under which the HRA will buy -down
e aum fees related to mudendal development.
Rede+ti ekomat — Objective: to ideti* arm of the City which are blighted or obsolete and assist
with the redevdopmmL
A CalMoraft wkh Cap — Use all tools available to assist and support the City in its
redevriopmmt priorities . particularly with mixed-use devdopmeuts.
B. —identify and evaluate older haling and
ddhodustrial sections in the City that might benefit from some type of
Miavdapment and make reoommeud.oaa to the Cil council.
C. — Rcep ameaat of other City degaunot activities.
mach as the Swat Reconstructionction Pvogvmr, and evaluate the need for additional
vedevdopment in the area
FA=ovikDmkwmM—.Objocfi= to work with local businesses to peomno1 HRA activities
and to assist the: business community with their needs.
A fi=Md A2 local husimser -• Provide toil assistance and guidance to local
businesses when requested.
B. Coondkoat wM hwaym gMEMUM— Coordinate dhmts relating to HRA activities
with businessaqpnizations such as the Tarin weal Chamber of Commerce.
C. lliMb MPA gMg = ao bard brsfaess+es — Provide Plymouth business with curreut
inibemalion and 6moehuu I rehting to programs that will benefit the business and its
ffms Setyion _Ckpaiva to wont with bed social =d aommmiry meevnoes agaucies to
illonft needed aavion within flee City.
A. RNA= cwmw mwmkn — Anmift evduate the anent mix of agencies eaeeiviag
BRA aad.Chy funds to mdm we they aomplemmotador pdwities within an Steseegic
Plan.
g — bfamtein a list of hm m mvioe pmvdees in tee
ooeeanmity to ensure we nue oomdmft our Amdbm to tee ea- l pose W with our
ste dq& Plan o%ectives
4
Perth Ho tdm and Redadonmeot Authodit
Acdm Plan—Tlmeffne
Ja my 16.2003
CATEGMY ACTION TTeia TU4WG
AfflardidAiMmuft
1. FMT= A. Ekbffimpnwm —0
IL P4WwFZ=mddeffm I= 0 2003
G Aaeeaseamadabla.resnre m 2003
aero
L hesuvadwafEdidsigHwAda units A.
IL Andlerehb INOW
C. limveinseama9ableresnmve+es 2003
3. Rmml Housing I A.
IL Seortaw 8 VMN* r
G swam 8weva bmayomxhrs Zm Q 2003
D. Plimook ragm Somm
Nktaain b&b level of
Review overall&& ty 3 Q
Anmmlly
4. Daydaymm of New Housing uniu A. IdWiOavaffAb mats 2003
IL Aftudiiseprojece
Cemw pommad ASAP
Evahmte o&w parAimd sines r Q 2003
r -QDmlaPpmjed>hs -
2004
C AlmahlomplUder I 2004
D. awcown"fm Zm 0 2003 .
A. Collaborate will G&
a Malkhmouradarem
G Camotiw with oshr
Boonomle
A. Collaborate A0A IWd
a Coaafiimm Wo bmmsiarss
G Atobet MU prarg aars to Awd C Q 2003 .
busfoesses
Woman Se*vte I
A. EWL%Mmnntservioes ro 0 2003
a makmbt to qfswvkepmwdys
Kers _ w.e wwmma.
Appeeciefen for lite bmd wait wbieh wmt iamo the of tbb docuu mm.
1Mmkymforud tgf d P iWOfroa*Neaammwmity. rt,
In ®must: we we pbmd'wm do dmumem aspodaBy the Vision Smmmmnts.
We dobare amnia spedfiic wiMudow to and a and a*=trom'MCRH will ad&=
SOL
bly eemseI are based ao a amtpaeism of the So me& Plan with lll oWs.ptesatta-
at tlta PlyntotdkHoushm.fa o.alteee.we audiaed tbietment eaaromeodimata to made.
ftaeadoo and ptammidoa of IS eIII e.ltoming a more PRMCl7VE toass afft
HRA; the city came and &epbwmftcowm2bsioiL Far us. this is still the apetative
watr&
Proactimuc
Require
Ptomnta
Solicit
3 fmt emb- bgpmpe)
suggestim for of cucteat stmtegic_pien iettptmpe)
include ao®
01
about `fit clot!!! of initial aoettaet. explain affi Idle
hmesntg goals as a dimd in the Cupehatsive Plan and solidt them ncpadse in
acbirifttbm goals oed expbtm.do tesmeraes available for that amlmiemeett - eegtdatoey
tetief,.govetemxom.fmtds. deetsity botntsses. whatever,it may tte:
We ate astdng for a MOM ME f by !tie sty. not wholly indepatdent of otba dollen
vkkb may be available, but aka aeom muni nit alloaamiao, of city dooms.
Ws a good sleet. Let's mate it c m belle!
7Aftrff-QWW m =
Challenges Ahead
1 am extremely proud of who we have I
accomplished in Minneapolis this yew, in
spin of the financial cha!lenr%, we've;_
faced. But it isn't enough. The affordable
pRFSORTRP
housing crisis Is still acute, and greater
FMST CLAW
challenges lie ahead as we face the
prospect of dramatic funding reductions L
at the state and federal levels. y
I
One ehdkqp is right in our backyard. 1. _
Siting affordable housing is still very
difficult; every project is a bank. We meed I Nthespiritedpartnershipofresidentsand
advocates to help us continue making Dat 4
can that affordable housing is an was in A
every part of our community. of.
Working together, we will sustain the
progress wr've made this year, and assure
that Minneapolis is a place where
everyone has a thence to thrive.
Mayor R -T. Rybak
For Information about Minnegpolls
agbrdable lowing Inlriatives, go to
www.eLminneapalikinn.tu, ar email w at
affardablehowing&l. minneapalls. ma w.
Fur current la(ormarlon about statewide
inttiailws. go to HowingUmsesma at
www. Not singMUnrsa1a. org:
r
S
a
r. .
2002
Affordable Housing Report
When 1 tiros elected in the fall of 2001,
my first ofrnciak 91 was to create an.
Affordable Housing Work Group as part
army Transition Team. l challenged the
group to Identify short- and long-term
strategies to address the critical shortage
of affordable housing in Minneapolis, and
to provide their recommendations by the
day 1 took office.
The Work Group recommended btrotegies
in four areas that have guided nut work for
the entire yew. I fere is a summary of what
they recommended — and what we have
accomplished — in each urea
OrganlzaVi?gsl Reform
To fww the Cl; 1; affordable housing
efforts, the Work Croup recommended a
complete rostnrerur/ng of the Mlnneapeils
Community Development Agency
MCDA), the Planning Department and
the Neighborhood Revitalization Program
INV) to allgn planning, development and
funding with eltywide priorities.
Working with McKinsey dt Company, we
conducted a six-month study of the City's
planning and development functions and
developed a com--:hensive reorgaahtAtinn
plan. The Focus Minneapolis initiative
was adopted by the City Council in
September and is already well underway.
4•We appointed Lee Sheehy director of the
new Office of Community Planning and
Economic Development, and he has begun
to Integmn. the MCDA with City
departments. We have also begun work on
an expanded "One -Stop Shop" to make it
easier to develop and preserve affordable
housing in Minneapolis.
The City Council adopted citywide goals
and expectations in January, and is
discussing development objectives and
Boding 1h!s month. Proj • f ,unding
erincria will ,eilect these new objectives.
This has taken longer than I hoped, but
we're getting there.
Regulatory Reform
To make it easier to gel projects done In
the City, the Work Croup recommended a
variety of regulatory reforms, many of
which we hove already accomplished.
We changed the Comprehensive Plan to
address the importance of affordable
housing, and In make the Plan consistent
with the City's existing housing policies.
Y'^ pRFSORTRP
Y FMST CLAW
f
I
M
V
r ut
o
o'
r O
b
LZ
2002
Affordable Housing Report
When 1 tiros elected in the fall of 2001,
my first ofrnciak 91 was to create an.
Affordable Housing Work Group as part
army Transition Team. l challenged the
group to Identify short- and long-term
strategies to address the critical shortage
of affordable housing in Minneapolis, and
to provide their recommendations by the
day 1 took office.
The Work Group recommended btrotegies
in four areas that have guided nut work for
the entire yew. I fere is a summary of what
they recommended — and what we have
accomplished — in each urea
OrganlzaVi?gsl Reform
To fww the Cl; 1; affordable housing
efforts, the Work Croup recommended a
complete rostnrerur/ng of the Mlnneapeils
Community Development Agency
MCDA), the Planning Department and
the Neighborhood Revitalization Program
INV) to allgn planning, development and
funding with eltywide priorities.
Working with McKinsey dt Company, we
conducted a six-month study of the City's
planning and development functions and
developed a com--:hensive reorgaahtAtinn
plan. The Focus Minneapolis initiative
was adopted by the City Council in
September and is already well underway.
4•We appointed Lee Sheehy director of the
new Office of Community Planning and
Economic Development, and he has begun
to Integmn. the MCDA with City
departments. We have also begun work on
an expanded "One -Stop Shop" to make it
easier to develop and preserve affordable
housing in Minneapolis.
The City Council adopted citywide goals
and expectations in January, and is
discussing development objectives and
Boding 1h!s month. Proj • f ,unding
erincria will ,eilect these new objectives.
This has taken longer than I hoped, but
we're getting there.
Regulatory Reform
To make it easier to gel projects done In
the City, the Work Croup recommended a
variety of regulatory reforms, many of
which we hove already accomplished.
We changed the Comprehensive Plan to
address the importance of affordable
housing, and In make the Plan consistent
with the City's existing housing policies.
We than the ZonincingCodeto rease • We created an Affordable Housing TrustIlexibilltyandprovidea &I[sity bonus" Fund that establishes a clear structure and
as an incentive For eve open u I
more affordable housing along transit and
commercial corridors.
We reformed the City's licensing and
examining boards to ensure objectivity awl
eliminate unnecessary regulation.
We revived the joint Vacant and Boarded
I lousing Task Force, which coordinates
City and County efforts to get residential
property hack on the market as quickly as
possible.
Short- and Long -Term Funding
To increase affordable housing production
andpreservation, the Work Croup
recommended both short- and long-term
funding srrategles, many of which we have
already Implemented.
In 2002 the City released S4 million in
previously from NRP housi..d funds, and
52 million in Chapter 593 property tax
revenue for affordable housing projects,
We transferred S I million in housing
funds to multi -family rental projects that
serve residents with low incomes, and
preserved crucial funding for the Mortgage
Foreclnsure Prevention Program. We are
looking at other changes that direct limited
housing resources toward programs flat
provide greater affordability.
L
governance process for all City affordable
housing resources, and targets these
resources at projects thatserve W idenu pl
SO prcem'end 30 Perwnt.of.Mq!rpp!?liIa n
Median Irteome.
We committed E 10 million to the Trust
Fund for 2003. A community board Mil
recommend guidelines and income targets,
and a revemn..ommittee will identify
long-term funding sources.
1 also lobbied aggressively at the regional,
state and federal levels to increase
affordable housing funding, and to protect
federal funds fo! our Public Ilousing
Authority that arc threatened.
Education & Advocacy
To build community supportfor affordable
housing the Work Group recommended
engaging the public In our housing
strategies and working with our partners
to raise awareness about housing issues
and lobbyfor change.
We hosted two Affordable Ifousing
Summits in 2002 to inform our strategies
d..J engage our partners, and both were
well attended. We also partnered with
Senator Weilstone to host a Congressional
hearing on housing needs and policy here
in Milrteapolis.
I worked with metro arca mayors to
convene the second Mayor's Regional
I lousing Task Force. We delivered
recommendations to the Metropolitan
Council in October of 2002 focused on
construction practices, sustainability,
funding, and the cities' roles.
At the sate level. I supported the work of
the I lousingMinnesota campaign and was
pan of the team that lobbied successfblly
to ensure funding for the Minnesota
veterans' home project.
This yenr I plan to support legislation on
predwory Itrsding and reform of the tenant
appli-21111an process, as well as sustained
finding for affordable housing.
At the national Icvel, affordable housing
has been the focus of my work with the
U.S. Conference of Mayors. I helped draft
the housing platform they adopted in June
and am a regional coordinator of this
national advocacy effort.
1 also addressed Fannie Mae notional
leadership rcpaling minority home-
ownership, and 1 am one of seven mayors
participating in I lnrvard's Executive
Session on fuith-bused initiatives.
I Icre at home 1 have door morltcd and
attended many church and neignhorh
meetings to raise awareness and build
support for critical housing projects.
uo I ovv
ou.aeo l
2002 Multi -Family Affordable
Housing Production
At the end of the day, what coin s is
results. Flere's what we accomnlished in
Minneapolis In 2002.
Units completed In 2002:
e 443 affordable at <30% of MMI
e 153 affordable at <m of MMI
e 19la1ford&blest<60%ofMMl
e I affordable at<g0%ofMMI
Unita closed and under
construttion In 2002:
e 54B affordable st <!0%of M!AI
e 319 affordable at <500/. of MMI
e 216 affordable at -600/0 of MMI
e I I affordable st <80% of Mtdl
Units approved In 2002
but not yot closed:
e I,BBO affordable at <30% of MMI
e j;8 affordable at <50Ye of MMI
e 61 affordable at <600% of MMI
e 26 affordable at <800% of MMI
Numbers include both new construction
andlireservation of muni family housing
units In which the City has afinancial
role. MAlirefers to Metropolitan Median
Income. Closed refers to when project
financing is complete.
Thema for a Well thought out and domeemted plan for the coming two years for affordable
housing in Plymouth
We do appredate that the City is responding to the need for affordablehousing and seems to be
following up an the Housing Summit of bet March.
I Would li a to mate some specific comments on scums of the points in the plan.
a) We think that #4 increase supply of affordable and lifecycle housing within the
City" is laudable - We whole heartedly support the objective.
b) #4A is great that we endeavor to bring developers and resources together.
c) #4B is very good, with.two comments. We believe that "mixed income" should
be included within the mixed use objective. We also think that the les gu age
should be changed to seer multiple developments within the City - mot just one.
d) AC We would put this action plan at the top of our priority list. We believe it
responI s well to the Plymouth MICAH items #9 and 012 -our March.
reeomamendatioas And it is something that really needs to be done. Our caveat is
that your time lire sets early 2004 for this work. We believe that the City
resources should be refocused and start on this immediately - with a view to
presenting it to.the City Council by this Fall.
e) We would suggest that you add a new #4E. The HRA should purchase land as we
suggested in our recommendation 07.
f) We believe that you should convert #10to anew #S. We surest that our
reoornnmendation #13 should be the substance of the objective and it should be
clear that all affordable housing is included - not just the housing subsidized by
HRA under #1.
Let me move an to Redevelopment. We believe that two basic concepts are missing. First,
Redevelopment must include affordable or workforce housing. Second. and maybe more
impmoant. redevelopment must be sensitive 'o the elimination of affordable housing. As the City
grouts older, we do not want to "gentrify" the present affordable stock of bouses.
1 have a eommena an the overall strategic plan. You have used the language "to the extent
possiible" a number of times throughout the plain. Those are the same words used in our
Comprehensive Plan m connection with affordable housing.
Last year we asked that the City get a legal opinion on the limits of the City's authority to impose
affordable housing in connection with developments. The Mayor said. that. such an opinion
would be obtained. To date we have not seen a response to our request. We hope that the liberal
we of the words "to the extent. possible" is not is not an indication that the AtA is going to sit
and wait and see vAm might happen at the soft level or the federal level.
We do hope 60 the HRA will actively endeavor to promote affadable housing in Plymouth.
And we applmd your efforts in that direction. We encourage you to mvwt A of
eeoommendad14 - afl, 13- fi= [on MaM&
Thm&ym
W Kings dew Lane
Pbuoulk MN 55447
763)473-5997
Ken & Liz Brannan Wendinger
546.5 Orleans Ln #1
Plymouth, MN 55442
763-550.1028
February 10, 200.9, \
Dear Mr. Barnes and BRA members:
As a resident of Plymouth and member of MICAH, I appreciate your
efforts to achieve more affordable housing. through your Draft Strategic
Plan. Great progress has been made to address some of the concerns we
vel ed at the March 2002 Foram on affersiablebousing. Because I am.
unable to attend your meeting this evening, a would life to share some
additional thoughts that might make this draft even more prod%ctive.
Unde: # 4 Develoument of New Housing Malts Micah members and I
thii&- we should have "E. Bay Land for Affordable Housing."
Even though land is expensive, we must keep this as an option.
Add 05 Develop nolicies that keen affordable housing per ealiv
or our money, the and efforts will be wasted
I realise this is a draft and words like "identify available tools",
develop a Wit", "coordinate ", "diseuas", etc can be action verbs but
they can also be loopholes for inaction. We request that this draft to be
proactive, decisive, with measurable results.
As you finalise year affordable housing plana 1 ask you to consider these
Priorities and this lnformadoa.
About 62% of our workers make less than 616 per hoar which means
they cannot afford to live in Plymouth because almost nothing is
avalloble in that price range bene.
We are gratdW that Plymouth staff and Council make every effort
to get 10, 2% 50 affordable housing units whenever developers make
a proposal to the City. But we need 10019 even 10OWs of affordable
houses Bowl (continued on page 2)
Plymouth. aeeds.to be Moos about. the affordable boosiog crisis became:
1. It is for our own self-ioterest as a City. Taws from budoesses
beip to beep our tax rate bow. But bushmm will not stay here or bate
In ftniouth ff they cannot find workers. Many workers cannot afford
to eommate hug distances or they want to live where they work. How
can we my, "We want you to work in our day care enters, grocery
stores, fight our fires, etc., but you malt live bore."?
L Phnnootb needs to take resoondbigty to provide its sbare of
affordable boodw instead of relying on other dties Me New Hope,
Crystal, Minneapolis to provide bossing for jiff workers.
I Ager foo& bosun Is one of our most bask needy We cannot
call ourselves a caring community unless we commt more money to
resolve this bossing abia.
Sintered.
KeoWendinger
i
I
3, 2W3
P &RM% #Mli% FAIPM SSM - _ ---,
C14 of P4nmf ;
Aw PLywad Uvd. FEB 0 4 2003
F4wvA& AL 55047-44b
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0f aakae 9 OR &+rpp%i&ed to wee8LM fAi& &ince ih%a is ik %iMt base
9 Acre bean oontdeted - oLao, 9 d6 not Amm diet ek eaLpinel p&n stated
Up nodi ovdaii4 "sada afaLoale6Le Aoa my itentel ad oommAiip eepm!A U#
aim -Lewd tootlimo m Sandiory &lurid f dam 6e nenf<on Met a dZveRaed
aoeleV 6e 4"016d in 4& pLanniV? Ora dial 9 oaiaa #lief?
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9 see CXa&yoewaaa Of a W&MtWA PWPM e io soaraea &ZWM AM aenivR+s
smadi-V P*aaift 9AU aea ite U weeded M& a owd WIM 94nr,
F4—,IA lido 1W k and litm " bat fAV ane m aWkied Pe tkw
tameapaatati oa is Slat OR iaaroe MAW diaarr &bV Aou&inp 6af ague poa AWe
a ALMA Sewieea mfVMp tai VAt pedis s eonu 6e i eeLmded
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ter
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