HomeMy WebLinkAboutAgenda Report - June 16, 2010 D-15AGENDA ITEM D Ad5
CITY OF LODI
,. COUNCIL COMMUNICATION
AGENDATITLE: Adopt Resolution Authorizing the City Manager to Submit an Application to the
California State Department of Housing and Community Development For Funding
Under the CalHome Program; and to Execute the Standard Agreement, Any
Amendments Thereto, and Any Related Documents Necessary to Participate in the
CalHome Program.
MEETING DATE: June 16,2010
PREPARED BY: Community Development Department
RECOMMENDED ACTION: Adopt resolution authorizing the City Manager to submit an
application to the California State Department of Housing and
Community Developmentfor funding under the CalHome Program;
and to execute the Standard Agreement, any amendments thereto, and any related documents
necessaryto participate in the CalHome program.
BACKGROUND INFORMATION: The California Department of Housing and Community Development
(HCD) is responsible for administering the CalHome Program,
established by Chapter 84, Statutes of 2000 (SB 1656 Alarcon), and
codified in Chapter 6 (commencing with Section 50650) of Part 2 of Division 31 of the Health and Safety
Code.
HCD has issued a Notice of Funding Availability (NOFA) for funding under the CalHome Program. The
NOFA is for approximately $50 million provided by the passage of Proposition 1C, the Housing and
Emergency Shelter Trust Fund Act of 2006. The NOFA is to provide funding to local public agencies or
nonprofit housing corporations for the following activities within the CalHome Program: 1) First -Time
Homebuyer Mortgage Assistance Program; and 2) Owner -Occupied Rehabilitation Program.
The attached application (Exhibit A), due June 25th, would be specifically targeted for Owner -Occupied
Housing Rehabilitation activities. While the maximum grant amount is $1 million, the City would be
required to use at least 95 percent of that funding within 36 months, or be penalized in subsequent
applications for CalHome funding. Therefore, it is recommended that we consider an average of three
properties a year over that 36 -month period for a total of nine assisted properties. With the maximum
subsidy of $60,000 per property allowed, we are requesting a total of $540,000 in this application.
Pursuant to CalHome Guidelines, additional points may be awarded and/or funds set-aside for program
applications that target the use of CalHome funds entirely within federally defined Qualified Census
Tracts for Community Revitalization and Eligible Rural. Accordingly, the proposed application would limit
program activities to the following Census Tracts:
Qualified Census Tracts for Community Revitalization Eligible Rural Census Tracts
44.01, 45.00 41.02, 44.02
APPROVED:
m, Interim City Manager
As noted in the attached Census Tract Map (Exhibit B), the eligible Census Tracts incorporate all cf
Lodi's Eastside neighborhoods and any incorporated properties south cf Harney Lane.
FISCAL IMPACT: Program administration and project delivery costs incurred by the City are
eligible expenses reimbursed through the grant program.
FUNDING AVAILABLE: CalHome Program Funding through State Department cf Housing and
Community Development.
onradt Bartlam
Community Development Director
KB/jw
Attachments
Exhibit A
CalHome Grant Application — Owner -Occupied Housing Rehabilitation
CalHome Program
Application for General Program Funding NOFA
Mortgage Assistance and/or Owner -Occupied Rehabilitation
California Department of Housing and Community Development
Financial Assistance Division
P.O. Box 952054, Sacramento, CA 94252-2054
Or
18003 rd Street, MS 390-2
Sacramento, CA 95811
916-327-3646
This application, if approved for funding, will be a part of your Standard Agreement with the Department of
Housing and Community Development (HCD). In order to be considered for funding, all sections of this
application, including attachments and exhibits, must be complete and accurate. Application forms must not
be modified. No facsimiles, incomplete applications, or application revisions will be accepted prior to, or after
the application deadline. Applications must meet all eligibility_ requirements upon submission. Applications
containing material internal inconsistencies will not be rated and ranked. Use Exhibit A, Attachment Checklist,
as an aid in completing the application. HCD must receive in its office a complete original application in a three
ring binder no later than 5:00 P.M. Friday. June 25, 2010.
For purpose of this NOFA, this will be a Program NOFA which will include first-time homebuyer mortgage
assistance activities and owner -occupied activities. A separate CalHome Project NOFA to support the
development of new homeownership housing has been released separately.
Please note: applicants are eligible to apply for both a CalHome Program Grant and/or a CalHome Project
Grant. However, a property may have only one CalHome lien on it.
SECTION I. APPLICATION SUMMARY:
A. Name of Applicant: City of Lodi
B. Applicant Address: P.O. Box 3006
City: Lodi Zip Code: 95241-1910
C. Chief Executive Name and Title: Konradt Bartlam, Interim City Manager
D. Contact Person Name and Title: Joseph Wood, Neighborhood Services Manager
E. Phone Number: 209-333-6711 FAX: 209-333-6842 E -Mail: jwood@lodi.gov
F. Proposed Activity: Owner -Occupied Housing Rehabilitation
You may apply for one or two program activities, the aggregate amount of both activities may not exceed the
maximum application amount, and the amount for any one activity may not be less than the minimum activity
amount, as specified in the NOFA. The maximum amount is $1 Million for most jurisdictions or $1.5 Million
for High Population Areas. Only apply for the amount that you know you can use. Recipients who do not
use at least 95% of their funds will be penalized in future funding rounds for not meeting performance goals.
Localities shall only be eligible to apply for an award of CalHome funds for a local program within its
jurisdictional boundaries. A nonprofit corporation may propose programs in a county or counties in which
they have operated a housing program within the past 4 years, or in a county or counties for which the
nonprofit corporation has an existing 523 technical assistance services agreement with the United States
Department of Agriculture.
CalHome Program Application (2009) 1 of 10
1. FTHB Mortgage Assistance
Program
2. Owner-Occu pied 9 San Joaquin 41.02, 44.02
Rehabilitation Program
Total 9
* If your activity is located entirely within a rural census tract or non -metro county as defined in the CalHome
Program Regulations and you want to receive consideration for the rural set-aside, you must provide the census
tract or tracts or list the non -metro county information in the table above. If the proposed area is rural, applicants
must indicate census tract numbers in order to receive consideration under the rural set-aside. Programs in rural
census tracts must document that their program is located in a rural area. Follow the steps outlined below to
determine if your proposed program is located in a rural area, and to document this rural area status. Programs
located in the following counties do not have to provide documentation of their rural status, and will be
considered rural applicants:
Alpine, Amador, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Inyo, Lake, Lassen, Mariposa, Mendocino,
Modoc, Mono, Nevada, Plumas, Sierra, Siskiyou, Tehama, Trinity and Tuolumne.
If your site is not located within one of the listed counties, below are two alternate ways to qualify:
Alternative 1: Rural Housing Services (RHS) Eligible Area — With an established address, go to the USDA
Rural Development website to qualify if the site is RHS -eligible: http://www.rurdev.usda.gov/rhs/.
Once on the website, look to the right hand side of this page and click on "Income and Property Eligibility". On
the page that follows, under "Property Eligibility'; click on your program type (single family) and follow the
instructions so that you may enter your program address. if your program is RHS -eligible, you will be able to
print a map indicating that the program is eligible. Submit this documentation with your application.
If your program is not listed as RHS eligible, or if you do not yet have a site address, go to Step 2.
Alternative 2, Step 1: Small City Status - Is your program located within or adjoining a city with a population of
40,000 or less that is not part of a Census -designated urbanized area?
Go to the State Department of Finance website to verify the city's population estimate:
http://www.dof.ca.gov/HTML/DEMOGRAP/ReportsPapers/Estimates/E1/E-1text.asp .
If the city has a population of 40,000 or less, print the page of Table E-1 which indicates this, and go to Step 3. If
the city is more than 40,000, STOP. Your program may not be located in a rural area. Proceed to Step 2 to
confirm if your area is rural or not.
Step 2: Census Map - If the proposed program is located in an incorporated city of 40,000 or less, or in the
unincorporated area adjoining that small city, the program may be considered rural if the program's census tract
is not designated "as an urbanized area" or "part of an urbanized area."
a) Go to the Census Bureau's 2000 Census website at:.http://www.census.gov/main/www/cen2000.html
b) Under "Access Data by Geography" select the "street address" link (regardless of whether the program has an
established address).
CalHome Program Application (2009) 2 of 10
c) On the subsequent screen, enter the program's address or that of another nearby property located within the
same census tract (as close to the program as possible). Select "Go" and additional information will display at
the bottom of the page.
d) Select "Census Tract" in the Geographies section of the enhanced screen and select "Map It."
e) Print the census tract map provided and your jurisdiction's population estimate from Table E-1, (see Step 1
above), and submit these two documents with the application. The map may show the census tract as "urban"
according to the legend provided with the map. However, the census tract will only be considered urban if the
map includes bold face type with a "UK designation. If the map includes no such designation, or shows the
census tract as urban but has a " UC" designation, the census tract is still considered rural.
If you tried all three of these alternatives and the end result shows that your program is not classified as rural,
but you believe that it should be considered rural, or if you have other questions, problems, or concerns in
determining rural designation pursuant to the above process, please contact Christina DiFrancesco at
(916) 322-0918.
G. Proposed Grant Amount: *$540,000
* If the grant request is over $1,000,000 (up to $1,500,000), the city, county or nonprofit will need to provide the
following: The name of the city or unincorporated areas of counties with a population of over 400,000. If a
County operates their programs in the small cities within the county as well as the unincorporated areas, we will
allow the aggregate population of the unincorporated areas plus these small cities to be combined for
determining the maximum award amount only where we have letters/resolutions from the included small cities
verifying the County's authority to operate with the- cities. A list of cities and unincorporated areas of counties in
California with population over 400,000 is included in this application labeled Exhibit D. Please provide the
required documentation as Attachment 31
H. Brief Description of Each Program Activity Applied for:
CalHome funds would be used to provide second mortgages to facilitate housing
rehabilitation of qualified owner -occupied residentlat units within .
SECTION II. LEGISLATIVE REPRESENTATIVES:
A form is included in this application labeled Exhibit B. Please complete the information on
this form and attach as Attachment 5.
SECTION III. GOVERNING BOARD RESOLUTION:
Attach the resolution, duly executed by the governing board of the local public agency or
nonprofit corporation, granting authority to make an application to HCD for a funding
commitment from the CalHome Program. Label as Attachment 6 Governing Board
Resolution. Please review the sample resolution which is included in this application package
as Exhibit C. Be sure that the resolution authorizes a signatory for submittal of this
application and the resolution is an action of the governing body of the applicant. If someone
signs the application other than the person authorized in the resolution, submit evidence that
shows that the person signing has the authorization to sign. Such evidence could be in the
CalHome Program Application (2009) 3 of 10
form of an ordinance or code, or an opinion from the applicant's legal counsel. Include such
authorization with Attachment 6.
SECTION IV. APPLICANT INFORMATION:
A. The applicant is a (check one):[x] city [ ] County [ ] City and County [ ] Nonprofit Corporation
1. If a Nonprofit Corporation, Submit copies of:
IRS approval of 501(c) (3) status: as Attachment 7a
Secretary of State Letter of Good Standing: as Attachment 7b
Articles of Incorporation: as Attachment 7c
Bylaws: as Attachment 7d
List of names of Board of Directors as:Attachment 7e
Financial Statements (for the last Zlrscal years, one of which must be must
be audited): as Attachment 7f --
SECTION V. ACTIVITY ATTACHMENT:
Applicants must complete at least one chment:
Attachment 1, First -Time Hom age Assista e; or
Attachment 2, Owner -Occupied ha Programw-`
These attachments are part of this applicatio least o ust be completed and must be
included or the application will not be complet nd will be ineligible for funding consideration.
CalHome Program Application (2009) 4 of 10
SECTION VI. APPLICANT CERTIFICATION AND COMMITMENT OF RESPONSIBILITY:
As the official designated by the governing body, I hereby certify that if approved by HCD for
a CalHome Program funding allocation, the City of Lodi assumes the responsibilities
specified in the CalHome Program Regulations and certifies that:
A. It possesses the legal authority to apply for the allocation and to execute their
proposed program or project;
B. Before committing funds to a homebuyer/homeowner, it will evaluate the funding
eligibility in accordance with CalHome Program Regulations and will not invest any
more CalHome funds in combination with other governmental assistance than is
necessary to provide affordable housing;
C. The Applicant does not have any unresolved audit findings for prior HCD or
federally -funded housing or community development projects or programs.
D. There are no pending lawsuits that would impact the implementation of this
program or project.
E. It will comply with all statutes and regulations governing the CalHome Program.
F. The information, statements, and attachments contained in this application are, to
the best of my knowledge and belief, true and correct.
G. It has the ability to perform the duties -for the activity(s) applied for in accordance
with Section 7718 of the CalHome Program Regulations.
I authorize the Department of Housing and Community Development to contact any agency,
whether or not named in this application, which may assist in determining the capability of the
Applicant. All information contained in this application is acknowledged to be public
information. (This certification must be signed by the person authorized in the Resolution)
*Signature:
Title: Interim City Manager
Type Name: Konradt Bartlam Date:
*Must be signed by authorized signatory per the resolution.
CalHome Program Application (2009) 5 of 10
i*A:11:3111r_1
Attachment Checklist
Check if
Included
Aft. No.
Attachment Title
1
Program: First-time Homebuyer Mortgage Assistance Program
2
Program: Owner -Occupied Rehab' tion Program
3
Documentation regarding po iifation over 400,000 for requesting funds over
1,500,,4
$1,000,000 (up to $1,500,,M--
4
Additional Documentation
5
Legislative List
6
Copy of Resolution authorizing tt#pE: pplication. As a time-saver, the
Resolution may also authorize execution of the contract and other
documents nee o process a loan
Bonus -A
Green Build Sel ion
Bonus -B
Universal Design n
Nonprofit corpora ns m de the following information:
7a
IRS approval of 501 c tus
7b
Copy of current certific n of 501(c)( status with Secretary of State that is
less than one year old
7c
Copy of Articles of Incorp tion
7d
Copy of Bylaws
7e
List of officers and Board of)j6verning body of Applicant
7f
Financial Statements one of the last 2 years must be audited
CalHome Program Application (2009) 6 of 10
Exhibit B
LEGISLATIVE REPRESENTATIVES
Indicate all Legislators who represent any portion of the proposed service area. If you have vacancies in your
legislative seats, please list your district number and district address.
A. Members of the State Assembly:
District number: 10
Name: Alyson Huber
District
Address: 218 W. Pine Street
City: Lodi
Zip Code: 95240
B. Members of the State Senate:
District number: 14
Name: Dave Cogdill
District
Address: 1308 W. Main Street — Suite C
City: Ripon -WWWW .
Zip Code: 95366
District number: 26
Name: Bill Berryhill
District
Address: 4557
City: Stockt
Zip Code 207
C. Members of the U.S. House of Representatives:
District number: 11 District number:
Name: Jerry McNerney Name:
District District
Address: 2222 Grand Canal Blvd #7 Address:
City: Stockton City:
Zip Code: 95207 Zip Code:
CalHome Program Application (2009) 7 of 10
EXHIBIT C
RESOLUTION NO. 2010-
A RESOLUTION OF THE LODI CITY COUNCIL AUTHORIZING THE CITY MANAGER TO
SUBMIT AN APPLICATION TO THE STATE OF CALIFORNIA DEPARTMENT OF
HOUSING AND COMMUNITY DEVELOPMENT FOR FUNDING UNDER THE CALHOME
PROGRAM; AND TO EXECUTE A STANDARD AGREEMENT, ANY AMENDMENTS
THERETO, AND ANY RELATED DOCUMENTS NECESSARY TO PARTICIPATE IN THE
CALHOME PROGRAM
WHEREAS, the City of Lodi, a municipal corporation, wishes to submit an application to the
California Department of Housing and Community Development (HCD) for an allocation of funds
through the CalHome Program in the amount of $540,000; and
WHEREAS, HCD has issued a Notice of Funding Availability (NOFA) for the CalHome
program established by Chapter 84, Statutes of 2000 (SB 1656 Alarcon), and codified in Chapter 6
(commencing with Section 50650) of Part,2 of Division 31 of the Health and Safety Code (the
"statute"). Pursuant to the statute, HCD is authorized to approve funding allocations utilizing monies
made available by the State Legislature to the CalHome program, subject to the terms and conditions
of the statute and the CalHome Program Regulations adopted by HCD in April 2004.
NOW, THEREFORE, BE IT RESOLVED that the Lodi City Council does hereby authorize an
application to HCD to participate in the CalHome Program in response to the NOFA issued on April
19, 2010, which will request a funding allocation in the amount of $540,000 for the following activities:
CalHome funds would be used to provide second mortgages to facilitate housing rehabilitation
of qualified owner -occupied residentialunitslocated within the Lodi city limits.
BE IT FURTHER RESOLVED, if the application for funding is approved, the City of Lodi
hereby agrees to use the CalHome funds for eligible activities in the manner presented in the
application as approved by HCD and in accordance with program regulations cited above, and the
City Manager shall be authorized to execute any and all other instruments necessary or required by
HCD for participation in the CalHome Program.
Dated: June 16, 2010
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I hereby certify that Resolution No. 2010- was passed and adopted by the Lodi City
Council in a regular meeting held June 16, 2010, by the following vote:
CalHome Program Application (2009) 8 of 10
AYES:
COUNCIL MEMBERS —
NOES:
COUNCIL MEMBERS —
ABSENT:
COUNCIL MEMBERS —
ABSTAIN:
COUNCIL MEMBERS —
RANDIJOHL
City Clerk
2010-
CalHome Program Application (2009) 9 of 10
EXHIBIT D
Cities and unincorporated areas of counties in California with population over 400,000.
• City of Los Angeles
3,864,400
• City of San Diego
1,275,100
• Unincorporated Los Angeles County
1,048,600
• City of San Jose
925,000
• City and County of San Francisco
791,600
• Unincorporated Sacramento County
616,700
• City of Long Beach
481,000
• Unincorporated Riverside County
465,800
• Unincorporated San Diego County
458,500
• City of Fresno
448,500
c)Alk
• City of Sacramento
433,4
• City of Oakland
412,200
In our current NOFA, these jurisdictions will be able to for an aggregate maximum
award of $1,500,000.
Regarding the situation where the County operates their progra in the small cities within
the county as well as the unincorporated areas, we would allow a aggregate population of
the unincorporated areas pl ese small cities to be combined for determining the maximum
award amount only where we have letters/resolutions from the included small cities verifying
the County's authority to operate within the cities.
CalHome Program Application (2009) 10 of 10
CalHome Program Application
Attachment 1
First -Time Homebuyer Mortgage Assistance Program
This Application form is for homebuyer mortgage assistance to first-time homebuyers of new or existing
homes, or for purchase of existing homes to be rehabilitated by the homebuyer. An applicant may only apply
for funds under this attachment when it will be providing the services required in Section 7729 of the program
regulations.
SECTION I. APPLICANT INFORMATION
Name:
SECTION II. FIRST-TIME HOMEBUYER PROGRAM EXPERIENCE
A. Provide the following information for each year of first-time homebuyer program operation for 12
consecutive months, by calendar year. Applicant organizations should only list those homebuyer
units for which they provided the mortgage assistance services.
YEAR
PERMANENT FINANCING
FUNDING SOURCE(S)
NO. OF PURCHASE
ESCROWS
UNDERWRITTEN
AND CLOSED
AVERAGE AMOUNT OF ASSISTANCE
PROVIDED PER BUYER
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
B. For years 2006 through 2009, provide a narrative of applicant's history and experience with the
proposed activity, including evidence of program operation for each year listed: e.g., board
resolution authorizing the program; award letters; program financial pages from annual audit,
annual reports or other evidence that will demonstrate program operation. (Attach as Exhibit 1-1)
2009 CalHome Program Application ATTACHMENT I (MA) - 1 -
SECTION III. LOAN UNDERWRITING EXPERIENCE
A. For the years 2006 through 2009, the total number of homebuyer loans applicant has
underwritten and closed, which included preparation of loan documents and escrow
instructions. #
SECTION IV. LOAN SERVICING EXPERIENCE
A. For the years 2006 through 2009, the total number of homebuyer loans closed for which
the applicant was the named beneficiary on the loan documents. #
B. As of the CalHome NOFA issuance date, the total number of homeowner loans in the
applicant's portfolio. #
C. Number of loans identified in B. above that are being directly serviced by the applicant. #
D. Number of loans identified in B. above that are being serviced by a third party. #
E. As of the CalHome NOFA issuance date, the total number of homebuyer loans the
applicant is servicing for another entity. #-
F. If there are zero loans identified in C, D and E, submit a narrative identifying how loans will be
serviced, how the servicing activities will be funded or provided and the procedures for
implementing loan servicing operations. In addition to the narrative, attach either: 1) a budget that
provides an identified source of financing, for a period of at least 5 years, for contracting loan
servicing with a third party who is in the business of loan servicing; 2) a commitment letter from a
third party, who is in the business of loan servicing, willing to provide loan servicing at no cost to the
applicant; or 3) the resume of a current employee(s) of the applicant that describes the
employee(s)'s experience in homeowner loan servicing. (Attach as Exhibit 1-2)
SECTION V. PROGRAM TARGETING
A. Number of homebuyers to be assisted with this application for CalHome funds
B. Program will be operated entirely within a federally defined Qualified Census Tract(s)located
in Appendix B in the training manual (ONLY MARK YES IF ALL HOMES TO BE ASSISTED WITH CALHOME FUNDS
SHALL BE LOCATED IN THE AREA(S) IDENTIFIED HERE):
Yes No
Federally defined Qualified Census tract(s) No.
C. Program will be operated entirely within a designated redevelopment area under the
Jurisdiction of a local Redevelopment Agency (ONLY MARK YES IF ALL HOMES TO BE ASSISTED WITH
CALHOME FUNDS SHALL BE LOCATED IN THE AREA(S) IDENTIFIED HERE):
Yes No
Attach a redevelopment area map and indicate program location on the map. (Attach as Exhibit 1-
3)
2009 CalHome Program Application ATTACHMENT I (MA) - 2 -
D. Nonprofit corporations must list the county or counties in which the program will be operated.
county/counties
E. Provide the data source used to project median sales price:
SECTION VI. FINANCING AND AFFORDABILITY
A. Proposed Permanent Financing (other than CalHome) (check all that apply):
[ ] Conventional [ ] FHA [ ] CaIHFA [ ] USDA -Rural Development
[ ] Federal HOME [ ] Redevelopment Agency [ ] Other
Describe the financing structure, first mortgage and any subordinate financing in addition to
CalHome that will finance the purchase of the properties.
Source of Financing Proposed Lien Position
B. Projected Average Housing Cost and Affordability:
1. Expected Average Sales Price, Less Homebuyer Equity: $
2. Less Average CalHome Mortgage Assistance to be given: $
3. Less Average Other Mortgage Assistance to be received, if any: $
4. Average First Mortgage: $
5. Estimated Monthly_ Payment on First Mortgage (PITT): $
6. Annual Income Needed to Support above Payment $
(Based on the homebuyer paying 30% of gross annual income for PITT)
SECTION VII. CONTRIBUTED LABOR PROGRAMS — Self -Help, Volunteer Labor and Youth
Construction Training Labor.
Important Note: Only complete this section, if the applicant meets the two-year minimum experience
requirement for operation of a program, a minimum of 500 hours of onsite contributed construction labor
per assisted unit must be provided, and that financed purchase of homes involving this type of
construction or developed homes involving this type of construction and the entire program will be
restricted to units involving this type of construction.
A. Check if project involves any of the following types of contributed onsite construction labor:
1. Self -Help labor:
Yes
No. of hours of guaranteed self-help onsite construction labor per unit:
2. Volunteer labor:
Yes
we
No
2009 CalHome Program Application ATTACHMENT I (MA) - 3 -
hrs
No. of hours of guaranteed volunteer onsite construction labor per unit: hrs
3. A youth construction skills training program: Yes No
Name of program:
No. of hours of guaranteed youth construction training onsite construction labor per unit,
provided by participants age 16 to 24 years old only: hrs
4. If the answer to A. 1, 2 or 3 above is yes, indicate the minimum number of onsite
construction labor hoursep r unit to be provided by the homebuyer: _ hrs
B. Describe the criteria for participation in your contributed labor program. (Attach as Exhibit 1-4)
C. Attach a copy of the agreement form used for the contributed labor program. (Attach as Exhibit 1-
4a)
D. Provide description of activities performed by contributed labor participants. (Attach as Exhibit 1-
4b)
E. Provide description of activities normally contracted out. (Attach as Exhibit 1-4c)
F. What percentage of total onsite construction labor per unit will be performed by contributed labor:
Please provide evidence of previous administration of the type of contributed labor program proposed
in this application. This could include, but not be limited to, the nonprofit corporation charter or a copy of
the board resolution authorizing the program supported by documentation of completed projects; or
copies of contracts with contributed labor participants. (Attach as Exhibit 1-4d)
SECTION VIII. HOMEBUYER EDUCATION
A. Does the applicant currently provide_ homebuyer education classes?
Yes No
If not, describe arrangements for providing homebuyer education in Attachment 4 -Additional
Documentation.
SECTION IX. BONUS POINTS FOR NEW POLICY OBJECTIVES
MORTGAGE ASSISTANCE ACTIVITIES ONLY
A. Targetina energy efficient homeownership: Bonus points will be given in the scoring of
this application for applicants that use their mortgage assistance loans exclusively for
transactions where the units purchased are energy efficient. The Department is
encouraging the use of Green Building features. Applicants will self certify their activity on
Form 3A and confirm that items 2, 3, 4, 5, 6, 7, 10, 11, 12, & 13 are included in the units to
be constructed, and that at least two of the remaining items (1,8 & 9) will also be included
in the units to be constructed. (Attach as Bonus Exhibit A)
Yes No
2009 CalHome Program Application ATTACHMENT I (MA) - 4 -
B. Targeting homeownership units that meet universal design standards:
Bonus points will be given in the scoring of this application for applicants that use their
mortgage assistance loans exclusively for home purchase transactions where the units
purchased are developed by meeting the following universal design standards:
• Provide at least one no -step entrance with beveled threshold. This may
be at the front, side or back of the unit.
• Make doorways throughout the unit at least 32 inches wide and hallways
at least 36 inches clear width.
• Reinforce walls around the toilet, bathtub and shower stall in order that
grab bars may be added at a later time, if needed.
• Install light switches and electrical controls no higher than 48 inches and
electrical plugs no lower than 15 inches above the floor.
• Install lever handles on all doors and plumbing fixtures.
• (Attach as Bonus Exhibit B) --
Yes No
2009 CalHome Program Application ATTACHMENT I (MA) - 5 -
Green Building Self -Certification Check List
Form 3A
The Department is encouraging the use of Green Building features. A new bonus category has
been added to this NOFA to reward developers that use energy efficient products that will
enhance new units. Therefore, this new bonus opportunity has been developed and included in
this NOFA. Applicants must self certify that items 2, 3, 4, 5, 6, 7, 10, 11, 12, & 13 are included in
the units to be constructed, and that at least two of the remaining items (1,8 & 9) will also be
included in the units to be constructed.
Additionally, appliances that are customarily provided with the units, such as hot water heaters
and dishwashers, or heating/cooling systems, should all meet the ENERGY STAR® standards.
2009 CalHome Program Application ATTACHMENT I (MA) - 6 -
Current Requirement
Applicant Certification
Check Off Column
Site
1. Use plant and tree species that require low
Two of three of items
water use in sufficient quantities and install
#1, 8, or 9 must be met
irrigation system using only low -flow drip,
for Bonus Consideration
bubblers, or low -flow sprinklers.
Materials and Resources
2. Use engineered lumber
a. Beams and Headers
Essential for Bonus
b. Wood I -Joists or web trusses for floors and
Consideration
ceilings
3. Use Oriented Strand Board (OSB)
Essential for Bonus
a. Floor, Wall and Roof sheathing.
Consideration -
4. Provide effective air sealing.
a. Seal sole plates.
b. Seal exterior penetrations at plumbing,
Essential for Bonus
Consideration
electrical and other penetrations.
c. Seal top plate penetrations at plumbing,
electrical, cable and other penetrations.
d. Weather-strip doors and attic access
openings.
e. Seal penetrations in interior equipment
closets and rooms.
f. Seal around bathtub drain penetrations in
raised floors.
5. Install and flash windows in compliance with
Essential for Bonus
window installation protocols.
Consideration
6. Exterior Doors
Essential for Bonus
a. Insulated or solid core.
Consideration
b. Flush, paint or stain grade shall be metal
clad or have hardwood faces.
c. Factory primed on six sides with a one year
warrant .
7. Select durable non-combustible roofing
materials which carry a three-year contractor
Essential for Bonus
installation guarantee.
Consideration
Energy Efficiency
8. Install ENERGY STAR® Ceiling Fans in
Two of three of items
living areas and all bedrooms; install a whole
#1, 8, or 9 must be met
house fan with insulated louvers; or install an
for Bonus Consideration
economizer.
2009 CalHome Program Application ATTACHMENT I (MA) - 6 -
9. Install ENERGY STAR® appliances in each
Two of three of items
unit, including but not limited to;
#t, 8, or 9 must be met
a. Dishwashers
for Bonus Consideration
b. Refrigerators
c. Clothes washers
10. Install gas storage water heater with an
Energy Factor (EF) of 0.62 or greater and a
Essential for Bonus
capacity of at least 30 gallons for one- and two-
Consideration
bedroom units and 40 gallons for three-
bedroom units or larger.
Water Efficiency
11. Use water saving fixtures or flow restrictors.
a. Kitchen and Service Areas < 2 gallons per
Essential for Bonus
m
minute (gpm).
Consideration
b. Bathroom Sinks < = 1.5 gallons per minute
(gpm)
c. Showers and Bathtubs < = 2.5 gallons per
-
minute m .
Indoor Environmental Quality
12. Use Low-VOC paint and stain.
a. Flat interior wall/ceiling paints & stains <
Essential for Bonus
50gpl VOCs.
Consideration
b. Non -flat wall/ceiling paints & stains <150gp1
VOCs.
13. Floor coverings
a. Light and medium traffic areas shall have vinyl
Essential for Bonus
or linoleum at least 3/32" in thickness.
Consideration
b. Heavy traffic areas shall have vinyl or linoleum
at least 1/8" in thickness.
c. Carpet shall comply with U.S. Department of
Housing and Urban Development/Federal
Housing Administration UM 44C, or
alternatively, cork, bamboo, linoleum, or
hardwood floors shall be provided in all other
floor areas.
2009 CalHome Program Application ATTACHMENT I (MA) - 7 -
CalHome Program Application
Attachment II
Owner -Occupied Rehabilitation Program
This Application form is for rehabilitation of owner -occupied homes. An applicant may only apply for funds
under this attachment when it will be providing the services required in Section 7733 and Section 7735 of the
program regulations.
SECTION I. APPLICANT INFORMATION
Name: City of Lodi
SECTION 111. OWNER -OCCUPIED REHABILITATION PROGRAM EXPERIENCE
A. Provide the following information for each year of owner -occupied rehabilitation program operation
for 12 consecutive months, by calendar year. Applicant organizations should only list those
rehabilitated units for which they provided the rehabilitation services including loan underwriting and
escrow closing.
YEAR
FUNDING SOURCE(S)
NO. OF HOME
REHABILITATIONS
COMPLETED
NO. OF ESCROWS
CLOSED BY APPLICANT
ORGANIZATION
AVERAGE AMOUNT OF
ASSISTANCE PROVIDED
PER OWNER
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
B. For years 2006 through 2009, provide a narrative of applicant's history and experience with the
proposed activity, including evidence of program operation for each year listed: e.g., board
resolution authorizing the program; award letters; program financial pages from annual audit,
annual reports or other evidence that will demonstrate program operation. (Attach as Exhibit 2-1)
2009 CalHome Program Application ATTACHMENT II (OOR) - 1 -
SECTION III. LOAN UNDERWRITING EXPERIENCE
A. For the years 2006 through 2009, the total number of homeowner rehabilitation loans
applicant has underwritten and closed, which included preparation of loan documents and 0
escrow instructions. #
SECTION IV. LOAN SERVICING EXPERIENCE
A. For the years 2006 through 2009, the total number of all types of homeowner rehabilitatior
loans closed for which the applicant was the named beneficiary on the loan documents. # 0
B. As of the CalHome NOFA issuance date, the total number of homeowner rehabilitation
loans in the applicant's portfolio. # 8
C. Number of loans identified in B. above that are being directly serviced by the applicant. # 0
D. Number of loans identified in B. above that are being serviced by a third party. 8
E. As of the CalHome NOFA issuance date, the total number of homeowner loans the
applicant is servicing for another entity. # 0
F. If there are zero loans identified in C, D and E, submit a narrative identifying how loans will be
serviced, how the servicing activities will be funded or provided and the procedures for
implementing loan servicing operations. In addition to the narrative, attach either: 1) a budget that
provides an identified source of financing, for a period of at least 5 years, for contracting loan
servicing with a third party who is in the business of loan servicing; 2) a commitment letter from a
third party, who is in the business of loan servicing, willing to provide loan servicing at no cost to the
applicant; or 3) the resume of a current employee(s) of the applicant that describes the
employee(s)'s experience in homeowner loan servicing. (Attach as Exhibit 2-2)
SECTION V. PROGRAM TARGETING
A. Number of homeowners to be assisted with this application for CalHome funds 9
B. Program will be operated entirely within a federally defined Qualified Census Tract(s) (ONLY
MARK YES IF ALL HOMES TO BE ASSISTED WITH CALHOME FUNDS SHALL BE LOCATED IN THE AREA(S) IDENTIFIED HERE):
Yes X No
Federally defined Qualified Census tract(s) No. 44.01, 45.00
C. Program will be operated entirely within a designated redevelopment area under the
jurisdiction of a local Redevelopment Agency (ONLY MARK YES IF ALL HOMES TO BE ASSISTED WITH
CALHOME FUNDS SHALL BE LOCATED IN THE AREA(S) IDENTIFIED HERE):
Yes No X
Attach a redevelopment area map and indicate program location on the map. (Attach as Exhibit 2-
3)
D. Nonprofit corporations must list the county or counties in which the program will be operated.
County/counties
2009 CalHome Program Application ATTACHMENT II (OOR) - 2 -
SECTION VII. FINANCING
A. Proposed Financing (other than CalHome) (check all that apply):
[x] Federal HOME [ ] Redevelopment Agency [ ] Other
Describe the financing structure for any subordinate financing to be provided in addition to the
CalHome loan. Do not list the CalHome loan:
Source of Financing Proposed Lien Position*
State/Federal HOME funds 3rd
*Note: Assume the existence of a first mortgage.
2009 CalHome Program Application ATTACHMENT II (OOR) - 3 -
Exhibit 2-1 Overall Housing Rehab Experience
YEAR
FUNDING SOURCE(S)
NO. OF HOME
REHABILITATIONS
COMPLETED
NO. OF ESCROWS
CLOSED BY APPLICANT
ORGANIZATION
AVERAGE AMOUNT OF
ASSISTANCE PROVIDED
PER OWNER
2009
2008
2007
CDBG
1
$11,589
2006
2005
CDBG
HOME
1
1
$32,048
$153,740
2004
2003
2002
CDBG
HOME
2
1
$55,940
$90,088
2001
CDBG
HOME
4
3
0
0
$31,659
$61,370
2000
CDBG
3
0
$46,174
These Rehab Projects were completed through the City of Lodi's Housing Assistance Program, which was
funded through the Urban County Community Development Block Grant Program and administered by San
Joaquin County for the City of Lodi. While the application and underwriting processes were carried out by San
Joaquin County Community Development (SJC) staff, the individual properties were inspected and evaluated
by City of Lodi Housing Program staff, with reports and recommendations made back to SJC staff on how to
proceed with what to include on rehab work write-ups.
Housing Rehab activities have dropped off considerably in recent years due to the dramatic drop in residential
property values. The City of Lodi has also separated from the Urban County and has established as an
Entitlement for CDBG funds from HUD.
2009 CalHome Program Application ATTACHMENT II (OOR) - 4 -
Exhibit 2-2
Submit a narrative identifying how loans will be serviced, how the servicing activities will be funded or
provided and the procedures for implementing loan servicing operations.
o The City of Lodi currently contracts with Pacific Municipal Consultants (PMC) for professional
staffing services to administer our Community Development Block Grant (CDBG) Program.
PMC's Program Administrator for Lodi happens to have an extensive background in
underwriting and servicing housing assistance loan programs and will be responsible for
overseeing and assisting City of Lodi staff with the underwriting and loan servicing processes for
the proposed CalHome-funded Owner -Occupied Housing Rehab Loan Program in Lodi.
o PMC's contract with the City of Lodi is funded through the CDBG Program. Through the City of
Lodi's 2009-2013 Consolidated Plan, continued CDBG funding for Program Administration,
which includes HOME -funded activities, is clearly identified as a goal "to address the needs of
target income residents", thereby committing funding for the administration and support of this
proposed Rehab Loan Program.
o In support of PMC's extensive background in this activity, they have provided the following data
regarding loans underwritten and serviced:
■ Awaiting data from PMC.
2009 CalHome Program Application ATTACHMENT II (OOR) - 5 -
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EXHIBIT B
RESOLUTION NO. 2010-95
A RESOLUTION OF THE LODI CITY COUNCIL AUTHORIZING THE CITY
MANAGERTO SUBMITAN APPLICATION TO THE STATE OF CALIFORNIA
DEPARTMENT OF HOUSINGANb COMMUNITY DEVELOPMENT FOR FUNDING
UNDERTHE CALHOME PROGRAM; AND TO EXECUTEA STANDARD
AGREEMENT, ANY AMENDMENTS THERETO, AND ANY RELATED
DOCUMENTS NECESSARYTO PARTICIPATE IN THE CALHOME PROGRAM
WHEREAS, the City of Lodi, a municipal corporation, wishes to submit an application to
the California Department c£ Housing and Community Development (HCD) for an allocation of
funds through the CalHome Program in the amount of $540,000; and
WHEREAS, HCD has issued a Notice of Funding Availability (NOFA) for the CalHome
program established by Chapter 84, Statutes of 2000 (SB 1656 Alarcon), and codified in
Chapter 6 (commencing with Section 50650) of Part 2 of Division 31 of the Health and Safety
Code (the "statute"). Pursuant to the statute, HCD is authorized to approve funding allocations
utilizing monies made available by the State Legislatureto the CalHome program, subject to the
terms and conditions of the statute and the CalHome Program Regulations adopted by HCD in
April 2004.
NOW, THEREFORE, BE IT RESOLVED that the Lodi City Council does hereby
authorize an application to HCD to participate in the CalHome Program in response to the
NOFA issued on April 19, 2010, which will request a funding allocation in the amount of
$540,000 for the following activities:
CalHome funds would be used to provide second mortgages to facilitate housing
rehabilitation of qualified owner -occupied residential units located within the Lodi city
limits.
BE IT FURTHER RESOLVED, if the application for funding is approved, the City of Lodi
hereby agrees to use the CalHome funds for eligible activities in the manner presented in the
application as approved by HCD and in accordance with program regulations cited above, and
the City Manager shall be authorized to execute any and all other instruments necessary or
required by HCD for participation in the CalHome Program.
Dated: June 16, 2010
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I hereby certify that Resolution No. 2010-95 was passed and adopted by the Lodi City
Council in a regular meeting held June 16, 2010, by the following vote:
AYES:
NOES:
ABSENT:
ABSTAIN
COUNCIL MEMBERS— Hansen, Hitchcock, Johnson, and Mounce
COUNCIL MEMBERS—None
COUNCIL MEMBERS— Mayor Katzakian
COUNCIL MEMBERS — None
2010-95