County of Santa Clara. Owner-Occupied Residential Rehabilitation Program REHAB PROGRAM GUIDELINES

Size: px
Start display at page:

Download "County of Santa Clara. Owner-Occupied Residential Rehabilitation Program REHAB PROGRAM GUIDELINES"

Transcription

1 County of Santa Clara Department of Planning and Development Office of Affordable Housing 70 West Hedding Street, 7 th Floor San Jose, California County of Santa Clara Owner-Occupied Residential Rehabilitation Program REHAB PROGRAM GUIDELINES Program Purpose To provide financial assistance to homeowners who lack sufficient resources to make needed repairs to bring the property up to decent, safe, and sanitary, health, and safety code as defined in the Health and Safety Code Section and Section The County of Santa Clara Housing Rehabilitation Program is a Rehabilitation Program and not a remodeling Program. The Program is primarily intended to repair homes that are in poor or dilapidated condition, have numerous code deficiencies, and do not meet current building and or Housing Quality Standards (HQS) established by the U.S. Department of Housing and Urban Development (HUD) because of deferred maintenance, age, natural or accidental causes. The Program is not intended to remodel homes but to conserve and preserve the existing housing stock in the Urban County. These Guidelines are designed to encourage County residents and property owners to improve their properties by accessing below market interest rate loans for home improvement projects. Applications for the County s Housing Rehabilitation Loan Program can be obtained by calling the County Santa Clara at (408) , picked up at the Office of Affordable Housing, 70 West Hedding Street, 7 th Floor, San Jose, CA 95110, or downloaded from There are several funding sources used by the County of Santa Clara in the Housing Rehabilitation Program including the Community Development Block Grant (CDBG), and CalHome programs. Due to variances in requirements for these funding sources, an exhibit for each specific funding source and its key program points has been included as Exhibit A. After receiving a completed application, County Housing staff will determine the program for which the applicant will be best qualified. SCC Housing Rehab Guidelines Page 1 of 26 Updated June 20, 2011

2 Applicant Eligibility A. Conflict of Interest No County of Santa Clara official, employee, or agent who exercises policy, decisionmaking functions, or responsibilities in connection with the planning and implementation of the program shall directly or indirectly be eligible for this program, unless the application for assistance has been reviewed and approved according to applicable California Department of Housing and Community Development (HCD) guidelines and by the County Housing Loan Committee. A building contractor with a vested interest in the property may not bid on a rehabilitation job. B. Residency Requirement The property owner must use the dwelling as his or her principle residence and must be recorded on the Deed of Trust. All persons recorded on the Deed of Trust must sign the Housing Rehabilitation Loan Documents. The owner-occupied property owner will be required to submit the following documents to the County at the time of application, and if approved for a loan, annually for the term of the loan: 1. Annual Proof of occupancy in the form of a copy of a current utility bill. 2. Statement that the property is currently used as his or her primary residence. 3. In the event the owner occupant sells, transfers title, or discontinues residency in the rehabilitated property for any reason, the loan is due and payable. In the event the borrower dies, their heirs are not eligible to assume the CalHome loan the loan is due and payable. C. Income To be eligible to participate in the Housing Rehabilitation Program, total household income may not exceed 80 percent (80%) of the median income for Santa Clara County, which is adjusted for family size and reported in the most current income guidelines published by the State Department of Housing and Community Development (HCD). Exhibit B lists the current income limits for Santa Clara County by family size and is updated annually as the information becomes available from HCD. The applicant s income combined with the income of all household members, related or non-related, age 18 or older cannot exceed the allowable income limits. Annual income will be based on the borrower s current earnings projected 12 months into the future. Children who do not live at the property, do not deduct the property on their income taxes, and can document a different place of residence, can have their income excluded. Page 2 of 26 Revised July 2011

3 D. Assets If the applicant s current assets total in excess of $25,000 that applicant is determined to have substantial resources and does not qualify for the Housing Rehabilitation Program loan. Assets include funds in checking and savings accounts. Interest or dividends earned from IRAs, CDs, stocks, bonds, mutual funds, or pension accounts. Assets also include the value of real estate (other than primary residence). Assets do not include pre-tax payroll deductions, deferred compensation accounts, 401Ks, health or dependent care allowances, two vehicles, the subject property, and furnishings and fixtures. If assets are $5,000 or above, income on all assets (actual or imputed per worksheet) must be included to determine income eligibility. However, earnings from retirement accounts do not need be included unless the funds are being removed from the account. E. Debt-to-Income Ratio The maximum debt-to-income ratio for the Housing Rehabilitation Program is 40% frontend and 45% back-end expressed as a ratio of 40/45 percent. The debt-to-income ratio (DTI) is the percentage of a consumer's monthly gross income that goes toward paying debts. The debt-to-income ratio often covers more than just debts. The ratios can include certain taxes, fees, and insurance premiums as well. There are two main kinds of DTIs. The first DTI, known as the front-end ratio, indicates the percentage of income that goes toward housing costs, which for homeowners is PITI (principal, interest, taxes and insurance). The maximum front-end-ratio for the Housing Rehabilitation Program is 40 percent. The second DTI, known as the back-end ratio, indicates the percentage of income that goes toward paying all recurring debt payments: including credit card payments; car loan payments; student loan payments; child support payments; alimony payments; and legal judgments. The maximum back-end-ratio for the Housing Rehabilitation Program is 45 percent. Example of a Debt-to-Income Ratio Calculation: Yearly Gross Income = $45,000 / Divided by 12 months = $3,750 per month income. $3,750 x.40% = $1,500 allowed for housing expense. (front end) $3,750 x.45% = $1,687 allowed for housing expense plus recurring debt. (back end) Page 3 of 26 Revised July 2011

4 In this example no more than $1,500 in monthly income may be used for housing payments and no more than $1,687 may be used for housing payments plus recurring monthly debt payments. D. Fair Housing The Program will be implemented in ways consistent with the County s commitment to fair housing. No person shall be excluded from participation in, denied the benefit of, or be subjected to discrimination under any program or activity funded in whole or in part with Community Development Block Grant (CDBG) funds. The Fair Housing Act prohibits discrimination in housing because of race or color, national origin, religion, gender, disability, familial status (including under the age of 18 living with parents or legal custodians, pregnant woman, and people securing custody of children under 18). E. Temporary Relocation CalHOME Loan: In the event, for any reason, the owner is displaced as a result of the owner s voluntary participation in the Program, any costs of relocation may be considered an eligible cost if initially made part of the CalHOME loan. CDBG Loan: In the event, for any reason, the owner is displaced as a result of the owner s voluntary participation in the Program, any costs of relocation will be the sole responsibility of the owner, and the County shall not be liable for any person being displaced as a result of voluntary participation in the Program. F. Preferences The County will establish a waiting list and will provide assistance on a first-come, firstserved basis. Properties that have been determined to be uninhabitable by the County Building Department, Code Enforcement, or Program Inspector may be given preference to correct a hazardous condition that impacts the neighborhood or the community. G. Race and Ethnicity Applicants will be requested to identify race and ethnicity at the time of application. Property Eligibility A. Type of Housing and Location To be eligible to participate in the Housing Rehabilitation Program, the property must be a single-family residence located within the Unincorporated Areas of the County (for a CalHome loan), the Unincorporated Areas of the County, the City of Saratoga, or the Town of Los Gatos for CDBG funded loans. B. Conformity with Current Design and Land Use Standards To be eligible to participate in the Housing Rehabilitation Program, the property must be able to conform to current land use and density designations on the County s General Plan and to the applicable density, design standards specified in the Zoning Ordinance and the Building Code. Properties that do not conform to these standards at the time of application may be eligible if the County determines that the existing improvements were Page 4 of 26 Revised July 2011

5 authorized by the County and building permits are issued for the improvements. If there are no records, the property must comply with current standards. If there are violations under the Enforcement Ordinance, the property owner must agree to correct any violations, demolish illegal structures, and cease any illegal activities prior to beginning the rehabilitation work. C. Rehabilitation Standards All repair work must meet Uniform Building Code standards. Additionally, all repair work must comply with any special design or construction standards established by the County or City to preserve historic buildings. Furthermore, rehabilitation work should incorporate energy efficiency/green building, and must eliminate health and safety hazards to occupants and the public. The property owner must agree to make improvements, to discourage the conduct of illegal activities. D. Title Applicants for Housing Rehabilitation Program must hold title to and occupy the property, as his or her primary residence, for which the loan is being made. All persons on the title must agree to sign a Deed of Trust, Promissory Note, and the Owner Participation Contract to secure the Housing Rehabilitation loan. CalHome Rehabilitation activities can only be performed on that portion 100% owned and lived in by the Borrower. Title may be held in any of the following ways: 1. Fee simple interest 2. Joint Tenancy 3. Tenancy in Common 4. Community Property 5. Interest of a shareholder in a cooperative agreement 6. Life Estates of Living Trusts Title may not be held in the following ways: 1. Any interest acquired on the execution of a purchase contract 2. A lease with or without an option to purchase; or 3. A remainder interest. E. Life Estates of Living Trusts Applicants who hold a Life Estate on a property or property with title held by a Trust are eligible to participate in the Housing Rehabilitation Program provided the following criteria are met: 1. The beneficiary of the Life Estate or Trust must occupy the property; 2. The beneficiary s household income must meet the income criteria for the Housing Rehabilitation Program; 3. Loan documents must be signed by the Trustee of the Trust and person(s) who hold the remainder interest in a Life Estate; Page 5 of 26 Revised July 2011

6 4. The beneficiary must agree to the condition that the rehabilitation loan is due and payable when any of the following occur: a. The property is sold or title is transferred to another person or entity; and/or b. The beneficiary s Life Estate terminates or is rescinded; and/or c. The County determines that the beneficiary is not complying with the terms of the Owner Participation Contract or the Promissory Note. F. Property Improvements 1. Eligible Costs and Allowable Improvements The goal of the Housing Rehabilitation Program is to remove deficiencies or health and safety hazards, improve energy efficiency, remediate lead based paint, and extend the useful life of the property. All improvements must be attached to the property and permanent in nature. Examples of eligible items are foundation construction and repair; electrical rewiring or repair; plumbing repair; roof replacement or repair; heating system installation or repair; window and door replacement; repair of structurally significant damaged wood; and floor coverings where they pose a hazard. Removal of dilapidated ancillary structures is also eligible. A list of eligible costs is attached as Exhibit C. 2. Ineligible Costs and Prohibited Use of Funds Free-standing appliances and luxury items are not permitted. Examples of luxury items are: swimming pools; patios and patio covers (restricted to CalHome loans only); room additions that are for leisure; landscaping upgrades (restricted to CalHome loans only); hot-tubs; custom cabinets; and high-end appliances. Upgrades such as granite counters are not allowed unless the Recipient can show a small differential in the costs when compared to tile or formica or the like. Landscaping is also not allowed except to protect the structural viability of the house, to address a Borrower s disability, or if required by local ordinance. Items done for beautification or energy efficiency must be in conjunction with a repair required for health or safety reason. The County of Santa Clara offers CDBG funded rehabilitation loans with different guidelines. See the County CDBG Rehabilitation Program Guidelines for more details. Case by Case exceptions can be made for some items, depending on the situation. Call if in doubt. G. Lead-Based Paint Program participants rehabilitating homes constructed prior to January 1, 1978, must be provided with the proper disclosure notification concerning lead-based paint (LBP) hazards. Whenever pre-1978 houses are rehabilitated under CDBG, a lead-based paint test must be performed and a report generated. If work is done to correct lead-based paint issues, in conjunction with the rehabilitation then the costs of inspection and remediation Page 6 of 26 Revised July 2011

7 are eligible to be paid for with CDBG or CalHome funds, and should be considered during program design. Application Procedure The County may elect to select an administrative subcontractor to conduct all or part of the County s responsibilities below. A. Application An application packet can be mailed or picked up at the Office of Affordable Housing, located at 70 West Hedding Street, 7 th Floor, San Jose, CA A complete application consists of: 1. Application and checklist requirements; 2. Verification of income from all sources for all household members aged 18 or older; 3. Tax returns and all attachments; 4. Title report; 5. Hazard (Homeowner s) insurance for property; and 6. Lead-Based Paint notification. B. Process 1. Application An application must be completed by all persons who hold title to the property. This includes listing all household members, their income and asset information. Household bills should include mortgages, utility payments, and revolving debts. A credit report and Preliminary Title report will be run at this time. The credit report will be used to determine outstanding debt and ability to repay a loan. The title report is used to determine the status of any loans, mortgages, and liens which may be levied against the property. An appraisal may be ordered if necessary. 2. Preliminary Approval County staff will evaluate the application and all supporting documentation to determine if the applicant meets the preliminary requirements for the Housing Rehabilitation Program. Preliminary eligibility will be based upon income, credit, the amount of outstanding liens on the property, and other criteria established by the County and funding source. 3. Work Write-Up If the applicant passes the preliminary approval stage a thorough property inspection, conducted by the County Rehabilitation Specialist, an appointment will be scheduled to determine which items are eligible under the Housing Rehabilitation Program. Page 7 of 26 Revised July 2011

8 Eligible repairs will include removing deficiencies or health and safety items, lead based paint remediation, energy efficiency improvements done in conjunction with required work, and repairs that prevent untimely deterioration of the structure. All items will be listed on the scope-of-work including a cost estimate as determined by the Rehabilitation Specialist. The Rehabilitation Specialist bases the estimates on current industry prices of material and wages for the type of work being completed. 4. County Housing Loan Committee The County Housing Loan Committee (the Committee) was formed by the County Board of Supervisors. The County Executive is authorized by the Board of Supervisors to appoint Committee members. The application package including the completed application, credit and title reports, work write-up, appraisal, and analysis of outstanding loans and debt ratios, will be presented to the Committee. The Committee will make the final determination of the application. The applicant will be notified by County staff of the Committee s decision. 5. Construction Bids Once the final scope-of-work is determined the homeowner shall solicit a bid or bids from a licensed contractor, in good standing, who meets the eligibility criteria of the County. The County has a list of pre-qualified contractors which the homeowner may consult to solicit bids or the homeowner may also solicit bids for their project from licensed contractors not on the County contractor list. The contractor(s) chosen by the homeowner to submit a bid will receive a scope of work, created by the County Rehabilitation Specialist, and a date and time the bid must be submitted. 6. Bid Opening and Review Once the bids have been received by the homeowner, the Rehabilitation Specialist and homeowner will review the bid(s) for reasonableness, competitiveness, and completeness. Upon reviewing the bid(s), the homeowner will compare the bids to the cost estimate. Any bid received that is 15% above or below the Rehabilitation Specialist cost estimate will be automatically disqualified and the project will be rebid. The homeowner will then choose a contractor and enter into a contractual agreement with the contractor based upon their bid and the scope-of-work. C. Underwriting Considerations Grounds for denial of a loan request include, but are not limited to, the following items: 1. The County may deny a loan request if the applicant has any unexplained or unresolved delinquencies for any payments or amounts owed in the twelve months Page 8 of 26 Revised July 2011

9 Financing prior to applying for assistance. The County will consider all delinquencies in the evaluation, including delinquent payments to public or private utility service providers. 2. The County may deny a loan request if the loan-to-value (LTV) ratio will exceed eighty percent (80%). The loan to value ratio is based on either an appraisal or on comparables taking into consideration the rehabilitated value of the subject property and any other debt already secured by the property. The county also includes the rehabilitation loan amount when determining the LTV ratio. The after rehab LTV cannot exceed 100% of the County average area purchase price. 3. The after rehabilitation value may not exceed 100% the HUD established purchase price/value limits for Santa Clara County as published each year by HUD. In 2011, the current purchase price value limit is $729, The County may deny a loan request if the applicant has any bankruptcies in the past seven years or has filed bankruptcy prior to loan funding and recordation of the deed of trust. 5. The County may deny a loan request if the applicant has provided false or erroneous information, or failed to complete the application process, or if there are any unresolved clouds to the property s title at the time of applying for a loan from the County. Examples of clouds to title include, but are not limited to, persons named on title who have not signed the loan application, persons named on title that are deceased, judgments against the property for nonpayment of taxes of any kind, and mechanics liens filed against the property. A. Loan Limits The County has established a loan limit of one hundred thousand dollars ($100,000) for repairing an owner-occupied dwelling using CDBG funds. Loans approved with CalHome funds have a maximum $57,000 loan limit but may be combined with CDBG funds for a maximum loan amount of $100,000 per project. The County Housing loan Committee does have discretion to approve funds over the $100,000 limit if needed. The homeowner must agree to repair all items listed in the scope-of-work in accordance with applicable building codes. Total indebtedness against the property cannot exceed up to eighty percent (80%) loan to value (LTV), of the appraised value of the property and one hundred percent (100%) LTV including the after rehabilitation value of the property. The security for the loan is a Deed of Trust recorded against the property. These loans may be subordinate to a first or occasionally to a second loan. B. Types and Terms of Financing The County offers two types of loans for owner occupied residential properties, Amortized and Deferred. The interest rate is 3% simple interest for both loan types. The type of loan Page 9 of 26 Revised July 2011

10 offered to an applicant is dependent upon the total amount of the applicant s fixed household expenses and the requirements of the funding source used for the loan. These expenses include any current mortgage payments, property taxes, hazard insurance, and utility expenses. If these expenses exceed thirty percent (30%) of the applicant s total income, then the qualified applicant will be eligible for a deferred loan. 1. Amortized Loan An amortized loan is a loan that requires monthly payments and those payments are divided out equally over the life of the loan. The amortized loan is three percent (3%) interest. The maximum loan term is between twenty and thirty (20-30) years depending on the funding source. If the borrower s housing costs mentioned above are less than thirty percent (30%) of the household s total income, the borrower will be eligible for an amortized loan. There are no prepayment penalties on this type of loan. Once the loan has been made, the County will not again review the borrower s income and housing costs unless the borrower s income decreases or their housing costs increase and the borrower requests a review in order to reduce or eliminate payments. These loans are secured by a Deed of Trust on the property and may be subordinated to other encumbrances against the property with County approval. 2. Deferred Loan To be qualified for a deferred loan, indebtedness on the property cannot exceed eighty percent (80%) of the appraised value of the property including the after rehabilitation value. Qualified household expenses must exceed thirty percent (30%) of total household income in order to be eligible for a deferred loan, or in some cases the funding source may require all payments to be deferred for a specified period of time. All CalHome funded loans must be deferred payment loans with an interest rate of 3% and a term of 30 years. No loan payments of principal or interest are required during the period of deferral unless there is a default of the loan as described below in section IV.C.1 on page 10 of these Guidelines. This loan is secured by a Deed of Trust on the property and may be subordinated to other encumbrances against the property. Borrowers are encouraged to make payments on these loans whenever possible to offset the increase in the loan amount due to accruing interest. 3. Loan Conditions Ownership and Occupancy If the borrower does not continue to both occupy and own the rehabilitated property the loan will go into default and is immediately due and payable. Some typical events that would cause the loan to be in default are the following: a. The owner-occupant dies and there is no surviving spouse. b. The owner-occupant moves from the property. c. The property becomes a rental property. d. There is a sale or transfer of any portion of any interest in the property. e. The information used to obtain the loan on the application or other loan related documents was fraudulent. Page 10 of 26 Revised July 2011

11 f. The Life Estate expires. g. The property is converted to a commercial or non-residential use. h. The borrower stops making payments or becomes seriously delinquent. 4. Maintenance of Condition of Property The borrower must maintain the property in satisfactory condition throughout the life of the loan. C. Loan Requirements and Documents 1. A Promissory Note and Deed of Trust secure all loans (mobile home loans require additional loan documents). 2. The property loan to value ratio, including the County Rehabilitation loan, shall not exceed 80% of post rehabilitation value. 3. Loans shall not be subject to prepayment penalties. 4. The County may agree to subordinate its security interest on a real estate loan when the following conditions have been met to the satisfaction of the Office of Affordable Housing s Director or his designee: a. After subordination, the total indebtedness evidenced by all liens against the property shall not exceed eighty percent (80%) of the appraised value of the property. b. The purpose of the loan to which the County loan is being subordinated must be to obtain a more favorable interest rate or to obtain funds to meet an unforeseeable emergency, as defined in the regulations for hardship withdrawals from a deferred compensation plan under Section 457 of the Internal Revenue code. c. The County shall have the right to review and approve all documents supporting the proposed subordination including, but not limited to, appraisals of the property. D. Loan Documents The following loan documents are made a part of the Residential Rehabilitation Loan Documents package and must be executed by the borrower(s) prior to the Notice to Proceed: a. Deed of Trust(s) b. Promissory Note(s) c. Truth in Lending Statement d. Notice of Right-to Cancel e. County Owner Participation Agreement and Contract f. Request for Notice of Default and Sale, if applicable g. Certification of Trustee, if applicable Page 11 of 26 Revised July 2011

12 Contractors A. Requirements The County will conduct affirmative marketing outreach efforts to notify Minority Business Enterprises and Women Business Enterprises of bidding and contract opportunities under the program, including publishing notices of rehabilitation information seminars in local newspapers in English and Spanish. The following criteria must be met in order to be an approved rehabilitation contractor: 1. The contractor must hold a current and valid State of California General Contractor s license. 2. The contractor must be in good standing with the State of California. 3. The contractor cannot be on the State or Federal Contractor s debarred list. 4. The contractor must have a business license. 5. The contractor must have current and valid General Liability and Workmen s Compensation Insurance not less than $1,000,000 combined single limit for bodily injury and property damage for each occurrence. 6. The contractor must follow all State and Federal regulations regarding prevailing wages, if applicable. 7. The contractor must be Lead-safe Certified and posses a Renovation, Repair, and Painting (RRP) Certification. B. Construction Process After the contractor has been chosen, the homeowner and contractor enter into a construction contract which identifies the start and completion dates, description of work, contract amount, schedule of payments, bid, and other contractual items. The contractor will be responsible for making sure all required permits have been secured, depending on the type of work to be performed. C. Inspections During construction and prior to each contractor s request for progress payment, the homeowner must indicate their approval of the completed work by signing the progress payment request. Next, the County s designated inspector will review the completed work and either authorize or deny the payment request. The inspector will authorize payment if the work completed agrees with the work write-up. Ten percent (10%) of each progress payment is held by the County as retention. If the request is denied, the contractor must complete those items that have been determined to be incomplete, or unsatisfactory. Prior to issuing the retention construction payment, the inspector will do a final inspection to ensure that all work is complete per the contract and the work write-up and a Notice of Page 12 of 26 Revised July 2011

13 Completion (NOC) recorded. The retention payment will be released no earlier than 35 days after the NOC is recorded. If a residential rehabilitation property has lead based paint (LBP) issues, a certified LBP inspector will be utilized for any inspections involving the areas contaminated with LBP. D. Grievances Against Contractors Contracts signed by the contractor and the participant MUST include the following clause, which provides a procedure for the resolution of grievances: Insurance Any controversy arising out of or relating to this Contract, or the breach thereof, shall be submitted to binding arbitration in accordance with the provisions of the California Arbitration Law, Code of Civil Procedure 1280 et seq. The arbitrator shall have the final authority to order work performed, to order the payment from one party to another, and to order whom shall bear the costs of arbitration. Costs to initiate arbitration shall be paid by the party seeking arbitration. A. Fire Insurance Applicants for loans must agree to maintain hazard and fire insurance on the property for the term of the County s loan. The insurance must be an amount adequate to cover all encumbrances on the property. The insurer must identify the County as Loss Payee for the amount of the County s loan(s). The applicant must provide a copy of the insurance binder to the County. In the event a borrower fails to make the fire insurance premium payments in a timely fashion, the County of Santa Clara may make the payments to ensure continuous insurance coverage. If the borrower does not bring the policy current within 60 days from the expiration date of the policy, the County may declare its loan due and payable. The County may, at its option, extend this sixty (60) day period in special circumstances. If the County makes any payments and is not reimbursed within ninety (90) days from the date the County makes the payment, the County may add the amount of these payments to the principal amount of the rehabilitation loan. B. Flood Insurance In areas that are designated by the U.S. Department of Housing and Urban Development (HUD) as flood prone, the property owner is required to maintain flood insurance in an amount adequate to all loans on the property. The flood insurance policy must designate the County as Loss Payee. The flood insurance premium may be funded by the County s rehabilitation loan for up to one year after the date of the final inspection of the rehabilitation work. Lead Bases Paint (LBP) If the residence you want to rehabilitate was constructed in or after 1978 it should not contain lead-based paint since lead-based paint was banned for use in residences in 1978; however, a Page 13 of 26 Revised July 2011

14 home built before 1978 is likely to have surfaces painted with lead-based paint. If work is done on these painted surfaces, you can be exposed to lead. Even if the lead-based paint has been covered with new paint or another covering, cracked or chipped painted surfaces can expose the lead based paint, possibly creating a new hazard. The County of Santa Clara is required to follow the Federal LBP hazard regulations when implementing residential rehabilitation. The County is responsible for informing residents of the potentials of LBP hazards in their home, to evaluate the degree of LBP hazards, mitigate these LBP hazards (using the appropriate hazard reduction method), provide clearance that the LBP hazards have been appropriately mitigated( if necessary), and provide all appropriate noticing of these steps. The County Lead Based Paint Policy and Procedures are outlined in Exhibit D. Repair Callbacks The contractor may be called back to make corrections on rehabilitation work items that are not covered by the one year warranty, the County has the option to cover the costs through the remaining current CDBG construction loan and/or the Contractor s retention, or the owner may pay for the repairs. Default and Foreclosure If a borrower defaults on a loan, and foreclosure procedures are instituted, they shall be carried out by County Counsel in accordance with the State and Federal Foreclosure regulations. Request for Subordinations Requests for the County to subordinate its loan will be reviewed by a County representative to verify, among other things, that there will be no cash out, that no additional existing debts are being paid and that generally the loan is non-predatory. The following documents will be required for review: 1) Good Faith Estimate of closing costs; 2) Payoff Demand on existing mortgage; 3) Appraisal Report; 4) Preliminary Title Report, and any other document deemed necessary by the County to make a determination. Program Complaint and Appeal Procedure Complaints by County residents or property owners regarding the County s Single-family Housing Rehabilitation Program should be made to the Director of the Office of Affordable Housing, Department of Planning and Review. The Director or a designee will investigate the complaint, prepare an analysis and recommendation and will schedule a discussion of the complaint with the County Housing Loan Committee. If the matter is not resolved to the satisfaction of the person filing the complaint, this person may submit a written appeal addressed to the County s Housing Loan Committee. The Committee will convene within 15 days from the date the appeal is received unless a longer period of time is requested by the appellant. Within ten working days from the date the appeal is heard by the Committee, the County will mail a written response of the Committee s decision to the appellant. If the loan was funded with Page 14 of 26 Revised July 2011

15 federal funds, the borrower may appeal the County s decision to the State Housing and Community Development Office. The appeal to the State must be submitted to the State within one year after the County s denial or the recording of the Project Notice of Completion with the County Clerk-Recorder s Office. Amendments Amendments to these Guidelines may be made by the County whenever appropriate to improve program effectiveness and to resolve problems. As part of the amendment adoption process, the County will review the policies of federal, state and private funding sources to ensure continuing compliance with published policies. Exceptions Exceptions to these guidelines will require County Housing Loan Committee as well as County Counsel approval, if necessary. Exhibits The following documents are attached and form a part of these guidelines: A. Funding Sources B. Income Guidelines C. Eligible and Ineligible Costs D. Lead Based Paint Policy and Procedures Page 15 of 26 Revised July 2011

16 Exhibit A FUNDING SOURCES County of Santa Clara Owner-Occupied Residential Rehabilitation Program 1. Community Development Block Grant (CDBG) Loan Maximum Loan: $100, CalHOME Loan Maximum Loan : $57,000 The total maximum loan amount which is available to lend is $100,000. For example, a CalHOME loan of $57,000 plus a CDBG loan of $43,000 equals a maximum loan amount of $100,000. Page 16 of 26

17 Exhibit B FY 2011 UNCAPPED PROGRAM MAXIMUM INCOME LIMITS County of Santa Clara Owner-Occupied Residential Rehabilitation Program Santa Clara County Jurisdictions Effective Date: 7/13/2011 Median Family Income: $103,600 The Following Maximum Income Limits are 80% of Median Income Adjusted for Household Size 1 PERSON HOUSEHOLD $58,050 2 PERSON HOUSEHOLD $66,350 3 PERSON HOUSEHOLD $74,650 4 PERSON HOUSEHOLD $82,900 5 PERSON HOUSEHOLD $89,550 6 PERSON HOUSEHOLD $96,200 Page 17 of 26

18 Exhibit C ELIGIBLE and INELIGIBLE COSTS County of Santa Clara Owner-Occupied Residential Rehabilitation Program Rehabilitation means, in addition to the definition in Section of the Health and Safety Code, repairs and improvements to a manufactured home necessary to correct any condition causing the home to be substandard pursuant to Section 1704 of Title 25, California Code of Regulations. Rehabilitation includes reconstruction. Eligible costs also include repair or removal deficiencies and/or health and safety items, improvement of energy efficiency, remediation of lead based paint, and extension of the useful life of the property. Eligible Costs: 1. Bedroom and bathroom additions to alleviate overcrowding 2. Costs of building permits and other related government fees 3. Cost of architectural, engineering, and other consultant services which are directly related to the rehabilitation of the property 4. Non-recurring closing costs such as escrow or title charges 5. A CalHome activity delivery fee 6. Relocation costs during the project if required for health and safety and if made part of the loan. Relocation costs are allowed under the CalHome Rehabilitation Loan Program 7. Foundation construction and repair 8. Electrical repair or rewiring 9. Plumbing repair 10. Roof repair or replacement 11. Heating and cooling system replacement or repair 12. Window and door replacement and repair 13. Repair of structurally significant damaged wood 14. Repair or replacement of floor coverings where it poses a hazard. 15. Exterior and interior paint (done in conjunction with required repair to correct a health and safety condition or code deficiency). 16. Termite report recommendations (Section 1) 17. Lead Abatement 18. Water Heater replacement Ineligible Costs: 1. Refinancing of existing loans with CalHome funds 2. Costs associated with the rehabilitation or repair of property owned by a mobile home park owner. 3. Luxury items such as pools, hot tubs, patios, patio covers, custom cabinets, and high end appliances, finishes, and landscaping upgrades (CalHome loans only). 4. CalHome funds cannot be used to replace free standing appliances. Page 18 of 26

19 Eligible costs must be done in conjunction with a required repair or must be done to correct a condition. For example: PAINTING CARPET CABINETS a. Painting over old paint, either interior or exterior would not qualify. a. Painting after removing peeling paint would qualify. b. Painting to cover wall repairs would qualify. a. Replacing old carpeting that doesn t look good would not qualify. b. Replacing carpeting that could be a tripping hazard would qualify. a. New cabinets should not be put in place if the old ones can be repaired and refinished for less. ROOF REPLACEMENT a. Replacement of a roof that is leaking, the shingles have broken, or other damage has occurred would qualify. Page 19 of 26

20 Exhibit D CDBG and HOME LEAD BASED PAINT REQUIREMENTS for REHABILITATION PROJECTS of HOMES BUILT PRIOR to 1978 County of Santa Clara Owner-Occupied Residential Rehabilitation Program Requirements for Notification, Evaluation, and Reduction of Lead-Based Paint Hazards in Federal Owned Residential Property and Housing Receiving Federal Assistance; Final Rule Lead-Based Paint Reference Guide (24 CFR Part 35) Revised 10/09/2009 (Sub-Grantees are to refer to and comply with all of the pertinent lead paint regulations which may be amended or adopted from time-to-time. The following is only an overview.) A. HUD s Lead-Safety Regulation (24 CFR Part 35, et al.) Federal Register (Wednesday, September 15, 1999) Department of Housing and Urban Development B. Exemptions (24 CFR ) a. Post-1977 housing (1978 and newer) b. Zero-bedroom units c. Property certified as lead safe d. Property where lead-based paint was removed e. Rehabilitation or maintenance activities that do not disturb painted surfaces f. Emergency actions C. EPA Regulations (24 CFR 745) Renovation, Repair and Painting Program Rule effective April 22, 2010 D. Documentation Required 1. Notice to Owners: Occupants must be provided with the following documentation: a. EPA Lead Hazard Information Pamphlet at the time of loan document signing within 15 calendar days of the date when the evaluation is received or the presumption is made (24 CFR (a)); and b. Notice of Hazard Reduction & Clearance no more than 15 calendar days after the hazard reduction activities have been completed, if applicable (24 CFR (b)(1)). 2. Hazard Reduction: The following documentation must be completed: Page 20 of 26

County of Santa Clara. Owner-Occupied Residential Rehabilitation Program PROGRAM GUIDELINES

County of Santa Clara. Owner-Occupied Residential Rehabilitation Program PROGRAM GUIDELINES County of Santa Clara Department of Planning and Development Office of Affordable Housing 2310 North First Street, Suite 100 San Jose, California 95131 (408) 441-4266 (408) 441-4332 fax County of Santa

More information

COUNTY OF SANTA CLARA Department of Planning and Development Office of Affordable Housing Housing and Community Development Program

COUNTY OF SANTA CLARA Department of Planning and Development Office of Affordable Housing Housing and Community Development Program COUNTY OF SANTA CLARA Department of Planning and Development Office of Affordable Housing Housing and Community Development Program Owner-Occupied Residential Housing Rehabilitation Program Loan and Grant

More information

HOUSING ASSISTANCE REHABILITATION PROGRAM (HARP)

HOUSING ASSISTANCE REHABILITATION PROGRAM (HARP) HOUSING ASSISTANCE REHABILITATION PROGRAM (HARP) PURPOSE The Housing Assistance Rehabilitation Program (HARP) provides loans and assistance for the rehabilitation and reconstruction of substandard and

More information

CITY OF YOUNGSTOWN. HOME Housing Rehabilitation Program. for Homeowners

CITY OF YOUNGSTOWN. HOME Housing Rehabilitation Program. for Homeowners CITY OF YOUNGSTOWN HOME Housing Rehabilitation Program for Homeowners Community Development Agency Housing Division CITY OF YOUNGSTOWN Mayor Jay Williams Revised 2/19/2008 PROGRAM SUMMARY HOME HOUSING

More information

Chapter 13: LEAD-BASED PAINT

Chapter 13: LEAD-BASED PAINT Chapter 13: LEAD-BASED PAINT CHAPTER PURPOSE & CONTENTS Whenever Federal funds, such as CDBG, are used to assist housing built before 1978, steps must be taken to address lead hazards. These rules must

More information

APPENDIX C. RESIDENTIAL REHABILITATION LOAN PROGRAM REHABILITATION AGREEMENT (This signed form must accompany the loan application)

APPENDIX C. RESIDENTIAL REHABILITATION LOAN PROGRAM REHABILITATION AGREEMENT (This signed form must accompany the loan application) APPENDIX C RESIDENTIAL REHABILITATION LOAN PROGRAM REHABILITATION AGREEMENT (This signed form must accompany the loan application) The applicant must agree to these Terms and Conditions in order to obtain

More information

OWNER OCCUPIED REHABILITATION PROGRAM SPONSORED BY CALHOME Revised Jan 2015

OWNER OCCUPIED REHABILITATION PROGRAM SPONSORED BY CALHOME Revised Jan 2015 OWNER OCCUPIED REHABILITATION PROGRAM SPONSORED BY CALHOME Revised Jan 2015 POLICY AND PROCEDURES MANUAL CITY OF SOUTH EL MONTE 1 P a g e BACKGROUND/HISTORY The City of South El Monte has an allocation

More information

City of New Bedford, Massachusetts

City of New Bedford, Massachusetts Patrick Sullivan Director ELIGIBLE PROPERTIES ELIGIBLE ACTIVITIES City of New Bedford, Massachusetts OFFICE OF HOUSING & COMMUNITY DEVELOPMENT 608 Pleasant St, New Bedford, Massachusetts 02740 Telephone:

More information

CITY OF MURFREESBORO AFFORDABLE HOUSING ASSISTANCE PROGRAM POLICIES AND PROCEDURES

CITY OF MURFREESBORO AFFORDABLE HOUSING ASSISTANCE PROGRAM POLICIES AND PROCEDURES CITY OF MURFREESBORO AFFORDABLE HOUSING ASSISTANCE PROGRAM POLICIES AND PROCEDURES 100. Purpose The Murfreesboro Affordable Housing Assistance Program (the Program) encourages homeownership for low-income,

More information

Tri-Valley Down Payment Assistance Program Guidelines

Tri-Valley Down Payment Assistance Program Guidelines Tri-Valley Down Payment Assistance Program Guidelines The Tri-Valley Down Payment Assistance (DPA) Program is a regional program that provides secondary down payment and closing cost assistance to income

More information

West Valley City Grants Department Rehabilitation Loan Program Policy & Information Packet

West Valley City Grants Department Rehabilitation Loan Program Policy & Information Packet West Valley City Grants Department Rehabilitation Loan Program Policy & Information Packet Current Revision: 9/09 1 CONTENTS REHABILITATION LOAN PROGRAM (RLP) POLICY: Section I Section II Section III Section

More information

Village of Oak Park Community Services Department Single-Family Rehabilitation Loan Program Oak Park, Illinois POLICY GUIDELINES

Village of Oak Park Community Services Department Single-Family Rehabilitation Loan Program Oak Park, Illinois POLICY GUIDELINES Village of Oak Park Community Services Department Single-Family Rehabilitation Loan Program Oak Park, Illinois POLICY GUIDELINES A. ELIGIBLE PROPERTY OWNERS 1. Benefit to Very Low- and Low- Income Owner-Occupants.

More information

Residential Rehabilitation Loan Program Guidelines

Residential Rehabilitation Loan Program Guidelines Residential Rehabilitation Loan Program Guidelines City of Middletown Department of Planning, Conservation and Development Community Development Division February 1999 Table of Contents Purpose 1 General

More information

CITY OF LUDINGTON RENTAL REHABILITATION PROGRAM PROGRAM GUIDELINES 2009 GENERAL

CITY OF LUDINGTON RENTAL REHABILITATION PROGRAM PROGRAM GUIDELINES 2009 GENERAL CITY OF LUDINGTON RENTAL REHABILITATION PROGRAM PROGRAM GUIDELINES 2009 GENERAL Program Purpose: To provide safe and affordable rental housing to low income tenants at or below 80% of Mason County s Area

More information

CITY OF SANTA MONICA RESIDENTIAL REHABILITATION PROGRAM GUIDELINES

CITY OF SANTA MONICA RESIDENTIAL REHABILITATION PROGRAM GUIDELINES CITY OF SANTA MONICA RESIDENTIAL REHABILITATION PROGRAM GUIDELINES Proposed June 2014 TABLE OF CONTENTS Page l. MULTIFAMILY REHABILITATION... 1 II. OWNER-OCCUPIED REHABILITATION... 2 III. ELIGIBLE REPAIRS/IMPROVEMENTS...

More information

CDBG HOMEOWNERSHIP ASSISTANCE PROGRAM INFORMATION AND APPLICATION INSTRUCTIONS

CDBG HOMEOWNERSHIP ASSISTANCE PROGRAM INFORMATION AND APPLICATION INSTRUCTIONS PROGRAM DESCRIPTION CDBG HOMEOWNERSHIP ASSISTANCE PROGRAM INFORMATION AND APPLICATION INSTRUCTIONS The Homeownership Assistance Program ( Program ) is funded through the City of Boca Raton s Community

More information

CITY OF YOUNGSTOWN HOME BUYER PROGRAM. Community Development Agency Housing Division CITY OF YOUNGSTOWN Mayor Jay Williams. Revised 3/2008 (LH)

CITY OF YOUNGSTOWN HOME BUYER PROGRAM. Community Development Agency Housing Division CITY OF YOUNGSTOWN Mayor Jay Williams. Revised 3/2008 (LH) CITY OF YOUNGSTOWN HOME BUYER PROGRAM Community Development Agency Housing Division CITY OF YOUNGSTOWN Mayor Jay Williams Revised 3/2008 (LH) PROGRAM SUMMARY HOMEBUYER PROGRAM Purpose: To provide low and

More information

CALHOME MORTGAGE ASSISTANCE PROGRAM GUIDELINES

CALHOME MORTGAGE ASSISTANCE PROGRAM GUIDELINES PLANNING AND DEVELOPMENT DEPARTMENT HOUSING AND COMMUNITY DEVELOPMENT DIVISION CALHOME MORTGAGE ASSISTANCE PROGRAM GUIDELINES PROGRAM OVERVIEW The CalHome Mortgage Assistance Program is a program funded

More information

SWNCBC OOR Program Guidelines 1

SWNCBC OOR Program Guidelines 1 Southwest Nebraska Community Betterment Corporation (SWNCBC) Owner Occupied Rehabilitation Program Guidelines Amended January 20, 2011 PURPOSE : To promote safe, affordable and appropriate housing in the

More information

West Valley City Grants Department Down Payment Assistance Policy & Information Packet

West Valley City Grants Department Down Payment Assistance Policy & Information Packet West Valley City Grants Department Down Payment Assistance Policy & Information Packet Current Revision: 9/09 1 CONTENTS DOWN PAYMENT ASSISTANCE (DPA) POLICY: Section I Section II Section III Section IV

More information

DENVER URBAN RENEWAL AUTHORITY HOUSING PROGRAMS SINGLE FAMILY REHABILITATION PROGRAM

DENVER URBAN RENEWAL AUTHORITY HOUSING PROGRAMS SINGLE FAMILY REHABILITATION PROGRAM DENVER URBAN RENEWAL AUTHORITY HOUSING PROGRAMS SPONSORED BY THE CITY AND COUNTY OF DENVER S DEPARTMENT OF HOUSING & NEIGHBORHOOD DEVELOPMENT SERVICES PROGRAM SINGLE FAMILY REHABILITATION PROGRAM The Single

More information

Affordable Homeownership

Affordable Homeownership Housing and Human Services Division Affordable Homeownership Program Guidelines The City s Affordable Homeownership Program (also referred to as the Inclusionary Housing Program) provides homeownership

More information

You must submit copies of the following items with your application: (a) Full copy of your 2014 federal income tax statement, if applicable;

You must submit copies of the following items with your application: (a) Full copy of your 2014 federal income tax statement, if applicable; 2015 Dear Applicant: Enclosed are the program guidelines, application, and lead based paint notice for the County s Senior Citizen Owner-Occupied Property Rehabilitation Program. Keep the guidelines and

More information

HOUSING QUALITY STANDARDS (HQS)

HOUSING QUALITY STANDARDS (HQS) HOUSING QUALITY STANDARDS (HQS) Series 3 LEAD-BASED PAINT AND INSPECTIONS 3.1LBP Rev. 5-5-06 Finding of Lead-Based Paint 3.2LBP Defective paint found in units built before 1978 where children under six

More information

City of Fort Worth Lead-Safe Program

City of Fort Worth Lead-Safe Program City of Fort Worth Lead-Safe Program (Lead Hazard Reduction Demonstration Grant Program) TNLHD0246-11 Policy & Procedures I. Introduction..3 II. Definitions...3 III. Program Qualifications..4 IV. Preliminary

More information

The Rehab Inspector and LBP

The Rehab Inspector and LBP The Rehab Inspector and LBP 2013 Housing Conference OCD/OCCD Sawmill Creek Resort and Conference Center November 20-22, 2013 GH Runevitch- Presenter The Rehab Inspector and LBP The Rehab Specialist has

More information

COEUR D ALENE TRIBAL HOUSING AUTHORITY HOUSING REHABILITATION POLICY (CDTHA REHAB)

COEUR D ALENE TRIBAL HOUSING AUTHORITY HOUSING REHABILITATION POLICY (CDTHA REHAB) COEUR D ALENE TRIBAL HOUSING AUTHORITY HOUSING REHABILITATION POLICY (CDTHA REHAB) Adopted by the Housing Board May 25, 2005 CDTHA HOUSING REHAB POLICY Programs Available... 3 Reconstruction... 3 Relocation/Displacement...

More information

City of Fort Pierce. HOUSING REHABILITATION ASSISTANCE PROGRAMS An Equal Housing Opportunity

City of Fort Pierce. HOUSING REHABILITATION ASSISTANCE PROGRAMS An Equal Housing Opportunity City of Fort Pierce Community Development Block Grant (CDBG) HOUSING REHABILITATION ASSISTANCE PROGRAMS An Equal Housing Opportunity First Draft, October 2003 Revised July 12, 2006 Second Revision and

More information

Application For Housing Rehabilitation Assistance Stellar Communities Program

Application For Housing Rehabilitation Assistance Stellar Communities Program Application For Housing Rehabilitation Assistance Stellar Communities Program Forgivable Loans Northeast Indiana Housing Partnership, Inc. 217 Fairview Boulevard Kendallville, IN 46755 (260) 347-4714 (260)

More information

CHAPTER IV REQUIRED DOCUMENTS FOR HOUSING PROJECT MANAGEMENT

CHAPTER IV REQUIRED DOCUMENTS FOR HOUSING PROJECT MANAGEMENT CHAPTER IV REQUIRED DOCUMENTS FOR HOUSING PROJECT MANAGEMENT Each individual housing project rehabilitation must have its own file that contains documents that DED requires to ensure the successful completion

More information

BUYER'S DISCLOSURE STATEMENT

BUYER'S DISCLOSURE STATEMENT BUYER'S DISCLOSURE STATEMENT CITY OF WALNUT CREEK INCLUSIONARY HOUSING PROGRAM ADMINISTRATIVE COVER SHEET (Remove Upon Completion) BLANK LINES: CHECKLIST Eligible Purchaser Income Level, p. 3, Section

More information

Article 1 - Definitions

Article 1 - Definitions FHA Case No. HOME EQUITY CONVERSION MORTGAGE ADJUSTABLE RATE LOAN AGREEMENT THIS AGREEMENT is made this day of ( Borrower ) and ( Lender )., 20, among Article 1 - Definitions 1.1. Borrower is defined above.

More information

City of Cudahy Neighborhood Loan Program Manual (Revision B dated 02/24/2015)

City of Cudahy Neighborhood Loan Program Manual (Revision B dated 02/24/2015) City of Cudahy Neighborhood Loan Program Manual (Revision B dated 02/24/2015) 1 of 20 City of Cudahy Table of Contents: Program Administration Background Page 3 Program Rules Page 4 Program Objective Page

More information

Housing Rehabilitation Program Guidelines

Housing Rehabilitation Program Guidelines COUNTY OF MERCED Housing Rehabilitation Program Guidelines For: CalHome Program Community Development Block Grant (CDBG) Program and HOME Investment Partnerships Program Serving the Ver. 2012.1 Pending

More information

Chapter 25 Utah Residential Rehabilitation Act

Chapter 25 Utah Residential Rehabilitation Act Chapter 25 Utah Residential Rehabilitation Act 11-25-1 Short title. This act shall be known and may be cited as the "Utah Residential Rehabilitation Act." 11-25-2 Legislative findings -- Liberal construction.

More information

PROGRAM ADMINISTERD BY THE VIRGINIA BEACH COMMUNITY DEVELOPMENT CORPORATION (VBCDC) ON BEHALF OF THE CITY OF VIRGINIA BEACH

PROGRAM ADMINISTERD BY THE VIRGINIA BEACH COMMUNITY DEVELOPMENT CORPORATION (VBCDC) ON BEHALF OF THE CITY OF VIRGINIA BEACH CITY OF VIRGINIA BEACH DEPARTMENT OF HOUSING AND NEIGHBORHOOD PRESERVATION EMERGENCY REHABILITATION PROGRAM CDBG PROGRAM YEAR FUNDS 2013-2014 PROGRAM ADMINISTERD BY THE VIRGINIA BEACH COMMUNITY DEVELOPMENT

More information

APPLICATION NUMBER MSC-20 PART I: The following information is optional and is used for statistical purposes only

APPLICATION NUMBER MSC-20 PART I: The following information is optional and is used for statistical purposes only APPLICATION FOR HOME IMPROVEMENT LOAN LEELANAU COUNTY HOUSING REHABILITATION PROGRAM EQUAL HOUSING OPPORTUNITY: BUSINESS CONDUCTED IN ACCORDANCE WITH THE FEDERAL FAIR HOUSING ACT OF 1988 FOR OFFICE USE

More information

DAUPHIN COUNTY CDBG-DR HOUSING REHABILITATION PROGRAM

DAUPHIN COUNTY CDBG-DR HOUSING REHABILITATION PROGRAM DAUPHIN COUNTY CDBG-DR HOUSING REHABILITATION PROGRAM Application for Assistance GENERAL INFORMATION Purpose: Dauphin County is providing assistance for housing rehabilitation activities to repair existing

More information

Enhancements to Streamlined (k) Limited Repair Program

Enhancements to Streamlined (k) Limited Repair Program U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON, DC 20410-8000 ASSISTANT SECRETARY FOR HOUSING- FEDERAL HOUSING COMMISSIONER December 29, 2005 MORTGAGEE LETTER 2005-50 TO: ALL APPROVED MORTGAGEES

More information

City of Champaign Neighborhood Services Department Neighborhood Programs Division 102 N. Neil St. Champaign, Illinois 61820 (217) 403-7070

City of Champaign Neighborhood Services Department Neighborhood Programs Division 102 N. Neil St. Champaign, Illinois 61820 (217) 403-7070 City of Champaign Neighborhood Services Department Neighborhood Programs Division 102 N. Neil St. Champaign, Illinois 61820 (217) 403-7070 Acquisition-Rehabilitation Program SCOPE INCOME LIMIT The program

More information

City of Chicago Department of Public Health Control and Mitigation of Lead Bearing Substances

City of Chicago Department of Public Health Control and Mitigation of Lead Bearing Substances City of Chicago Department of Public Health Control and Mitigation of Lead Bearing Substances The Commissioner of the Chicago Department of Public Health hereby promulgates the following rules and regulations

More information

CITY OF HICKORY HOUSING REHABILITATION LOAN PROGRAM

CITY OF HICKORY HOUSING REHABILITATION LOAN PROGRAM CITY OF HICKORY HOUSING REHABILITATION LOAN PROGRAM 1.0 INTRODUCTION Housing rehabilitation is a term applied to the repair and improvement of homes that have fallen into a substandard condition. The principle

More information

APPLICATION FOR EMERGENCY RESIDENTIAL REHABILITATION ASSISTANCE

APPLICATION FOR EMERGENCY RESIDENTIAL REHABILITATION ASSISTANCE APPLICATION FOR EMERGENCY RESIDENTIAL REHABILITATION ASSISTANCE Office of Housing and Neighborhood Development Keefe Community Center, 11 Pine Street, Hamden, Connecticut 06514-4924 Telephone (203) 776-5978

More information

PROGRAM DESCRIPTION HOMEOWNER REHABILITATION LOAN FOR INCOME ELIGIBLE CITY OF MOBILE HOMEOWNERS

PROGRAM DESCRIPTION HOMEOWNER REHABILITATION LOAN FOR INCOME ELIGIBLE CITY OF MOBILE HOMEOWNERS CITY OF MOBILE COMMUNITY PLANNING & DEVELOPMENT CITYWIDE III HOMEOWNER REHAB PROGRAM HOMEOWNER REHABILITATION LOAN PROGRAM DESCRIPTION FOR INCOME ELIGIBLE CITY OF MOBILE HOMEOWNERS Our Home Rehab Program

More information

CITY OF MOBILE COMMUNITY PLANNING & DEVELOPMENT DEPARTMENT

CITY OF MOBILE COMMUNITY PLANNING & DEVELOPMENT DEPARTMENT CITY OF MOBILE COMMUNITY PLANNING & DEVELOPMENT DEPARTMENT HOMEOWNER REHAB LOAN PROGRAM FOR ELIGIBLE RESIDENTS CITY WIDE Are You Having Problems with Your Plumbing? Do You Need a New Roof? Are Your Windows

More information

SONOMA COUNTY COMMUNITY DEVELOPMENT COMMISSION COMMERCIAL REHABILITATION LOAN PROGRAM DESIGN

SONOMA COUNTY COMMUNITY DEVELOPMENT COMMISSION COMMERCIAL REHABILITATION LOAN PROGRAM DESIGN SONOMA COUNTY COMMUNITY DEVELOPMENT COMMISSION COMMERCIAL REHABILITATION LOAN PROGRAM DESIGN I. INTRODUCTION A. Purpose: The goals of the (the Program ) are to: 1. Eliminate economic and physical blight

More information

City of Capitola Homebuyer Assistance Program Guidelines

City of Capitola Homebuyer Assistance Program Guidelines Homebuyer Assistance Program Guidelines For: Community Development Block Grant (CDBG) Program and HOME Investment Partnerships Program CalHome Program CDBG Approved (3/20/2014) City Council Approved (3/27/2014)

More information

City of Eden Prairie First Time Homebuyer Program

City of Eden Prairie First Time Homebuyer Program Part I: GENERAL PROGRAM DESCRIPTION Program Overview City of Eden Prairie First Time Homebuyer Program The Eden Prairie Office of Housing & Community Services (OHCS) offers a financial assistance program

More information

SONOMA COUNTY COMMUNITY DEVELOPMENT COMMISSION THE RUSSIAN RIVER REDEVELOPMENT PROJECT COMMERCIAL REHABILITATION LOAN PROGRAM GUIDELINES

SONOMA COUNTY COMMUNITY DEVELOPMENT COMMISSION THE RUSSIAN RIVER REDEVELOPMENT PROJECT COMMERCIAL REHABILITATION LOAN PROGRAM GUIDELINES I. INTRODUCTION SONOMA COUNTY COMMUNITY DEVELOPMENT COMMISSION THE RUSSIAN RIVER REDEVELOPMENT PROJECT COMMERCIAL REHABILITATION LOAN PROGRAM GUIDELINES A. Purpose: The goals of the Russian River Redevelopment

More information

RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION REGULATIONS GOVERNING THE REVERSE EQUITY MORTGAGE LOAN PROGRAMS

RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION REGULATIONS GOVERNING THE REVERSE EQUITY MORTGAGE LOAN PROGRAMS RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION REGULATIONS GOVERNING THE REVERSE EQUITY MORTGAGE LOAN PROGRAMS I. DEFINITIONS A. As used in these regulations: 1. "Advance" means a monthly cash advance

More information

Testing Your Home for Lead in Paint, Dust, and Soil

Testing Your Home for Lead in Paint, Dust, and Soil United States Environmental Protection Agency Office of Prevention, Pesticides, and Toxic Substances 7101 Testing Your Home for Lead in Paint, Dust, and Soil EPA 747-K-98-001 October 1998 Preface About

More information

CITY OF SOUTH EL MONTE

CITY OF SOUTH EL MONTE CITY OF SOUTH EL MONTE FIRST TIME HOMEBUYER LOAN PROGRAM GUIDELINES (CalHome Program) Revised April 2013 City of South El Monte Housing Department 1415 North Santa Anita Avenue South El Monte, CA. 91733

More information

OFFICE OF HOUSING AND COMMUNITY DEVELOPMENT POLICY GUIDELINES FOR OWNER-OCCUPIED HOUSING REHABILITATION PROGRAM

OFFICE OF HOUSING AND COMMUNITY DEVELOPMENT POLICY GUIDELINES FOR OWNER-OCCUPIED HOUSING REHABILITATION PROGRAM OFFICE OF HOUSING AND COMMUNITY DEVELOPMENT POLICY GUIDELINES FOR OWNER-OCCUPIED HOUSING REHABILITATION PROGRAM The Owner-Occupied Housing Rehabilitation Program consists of four distinct programs. These

More information

County of Merced Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines

County of Merced Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines For: CalHome Program Community Development Block Grant (CDBG) Program and HOME Investment Partnerships Program Serving the

More information

CITY OF WESTMINSTER MOBILE HOME GRANT PROGRAM

CITY OF WESTMINSTER MOBILE HOME GRANT PROGRAM CITY OF WESTMINSTER MOBILE HOME GRANT PROGRAM ELIGIBILITY REQUIREMENTS Thank you for your interest in Westminster s Mobile Home Grant Rehabilitation Program. The Mayor and City Council have approved this

More information

MORTGAGE TERMS. Assignment of Mortgage A document used to transfer ownership of a mortgage from one party to another.

MORTGAGE TERMS. Assignment of Mortgage A document used to transfer ownership of a mortgage from one party to another. MORTGAGE TERMS Acceleration Clause This is a clause used in a mortgage that can be enforced to make the entire amount of the loan and any interest due immediately. This is usually stipulated if you default

More information

LOAN PROGRAM. 4 person. 5 person. $51,050 or less. $55,150 or less

LOAN PROGRAM. 4 person. 5 person. $51,050 or less. $55,150 or less C:\Users\Kris2192\Documents\HSGFORMS\Rehab Application.wpd REVISED 1-13 HOUSING REHABILITATION PROGRAM PROGRAM DESCRIPTION AND LOAN/GRANT APPLICATION The City of Orem is an Equal Housing Opportunity Lender.

More information

Brooklyn Park Economic Development Authority

Brooklyn Park Economic Development Authority Brooklyn Park Economic Development Authority Neighborhood Stabilization Program NSP HOMEBUYER ASSISTANCE PROGRAM FOR CITY/PARTNER ACQUISITION AND REHAB Program Description & Guidelines July 2011 TABLE

More information

CITY OF SOLEDAD FIRST-TIME HOMEBUYER ASSISTANCE PROGRAM FIRST MORTGAGE LENDER INSTRUCTIONS 248 MAIN STREET, SOLEDAD CA 93960

CITY OF SOLEDAD FIRST-TIME HOMEBUYER ASSISTANCE PROGRAM FIRST MORTGAGE LENDER INSTRUCTIONS 248 MAIN STREET, SOLEDAD CA 93960 FIRST MORTGAGE LENDER INSTRUCTIONS Maximum Home Sales Price Home sale prices cannot exceed 95% of the area median home value for Soledad (see Table 1: Maximum Purchase Price per Unit). Maximum Loan-to-Value

More information

CDBG Housing Rehabilitation Program Program Guidelines

CDBG Housing Rehabilitation Program Program Guidelines Program Guidelines page 1 Introduction CDBG Housing Rehabilitation Program Program Guidelines The City of San Dimas has been a participating jurisdiction in the Community Development Block Grant (CDBG)

More information

FHA-Home Affordable Modification Program

FHA-Home Affordable Modification Program These guidelines supplement requirements outlined in e Letter 2009-23 Guidance e Mortgagors FHA-Home Affordable Modification Program The Servicer of the modified FHA-HAMP mortgage must be FHA-Approved.

More information

CITY OF PASSAIC DEPARTMENT OF COMMUNITY DEVELOPMENT 330 PASSAIC STREET PASSAIC, NEW JERSEY 07055

CITY OF PASSAIC DEPARTMENT OF COMMUNITY DEVELOPMENT 330 PASSAIC STREET PASSAIC, NEW JERSEY 07055 CASE NUMBER enter number (office use only) CITY OF PASSAIC DEPARTMENT OF COMMUNITY DEVELOPMENT 330 PASSAIC STREET PASSAIC, NEW JERSEY 07055 FIRST TIME HOMEBUYER ASSISTANCE PROGRAM AGREEMENT HUD # APPLICANT

More information

SECTION 4 REHABILITATION MORTGAGES 203(k) Standard & 203(k) Limited

SECTION 4 REHABILITATION MORTGAGES 203(k) Standard & 203(k) Limited SECTION 4 REHABILITATION MORTGAGES 203(k) Standard & 203(k) Limited 4.1 Program Descriptions 4.2 Borrower Eligibility 4.3 Property Eligibility 4.4 Principal Residence Requirement 4.5 Rehabilitation Loan

More information

County of Kings. Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines. For:

County of Kings. Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines. For: Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines For: CalHome Program Community Development Block Grant (CDBG) Program and HOME Investment Partnerships Program Serving the

More information

HOUSING REPAIR PROGRAM APPLICATION

HOUSING REPAIR PROGRAM APPLICATION HOUSING REPAIR PROGRAM APPLICATION City of Deerfield Beach Planning and Growth Management Community Development Division 533 South Dixie Highway, Suite 101 Deerfield Beach, Florida 33441 (954) 480-6420

More information

Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines

Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines Homebuyer Acquisition Only/ Acquisition with Rehabilitation Program Guidelines For: CalHome Program Community Development Block Grant (CDBG) Program and HOME Investment Partnerships Program Serving the

More information

County "SELP" Program Guidelines & Procedures

County SELP Program Guidelines & Procedures Charles County First Time Home Buyers Settlement Expense Loan Program for Charles County County "SELP" Program Guidelines & Procedures December 1997 Revised May 8, 2012 Supported by Charles County Commissioners

More information

City of Lansing Down Payment Assistance (DPA) Program Manual

City of Lansing Down Payment Assistance (DPA) Program Manual City of Lansing Down Payment Assistance (DPA) Program Manual Effective October 2013 THE CITY OF LANSING RESERVES THE RIGHT TO CHANGE REQUIRED DOCUMENTATION AS NECESSARY. PROGRAM ADMINISTRATION A. General

More information

CUMBERLAND COUNTY COMMUNITY DEVELOPMENT (CCCD) HOUSING REHABILITATION PROGRAM PO DRAWER 1829 707 EXECUTIVE PLACE FAYETTEVILLE, NC 28302-1829

CUMBERLAND COUNTY COMMUNITY DEVELOPMENT (CCCD) HOUSING REHABILITATION PROGRAM PO DRAWER 1829 707 EXECUTIVE PLACE FAYETTEVILLE, NC 28302-1829 CUMBERLAND COUNTY COMMUNITY DEVELOPMENT (CCCD) HOUSING REHABILITATION PROGRAM PO DRAWER 1829 707 EXECUTIVE PLACE FAYETTEVILLE, NC 28302-1829 CONTRACTOR QUALIFICATIONS: REHABILITATION CONTRACTOR'S HANDBOOK

More information

TOWN OF AMHERST First-Time Homebuyers Program

TOWN OF AMHERST First-Time Homebuyers Program Amherst Town of Amherst Planning Department Erie County, New York Barry A. Weinstein, MD Supervisor Eric W. Gillert, AICP Planning Director Gary Black, AICP Assistant Planning Director TOWN OF AMHERST

More information

Chapter 30 Home Equity Conversion Mortgages. 47-30-103. Authorized lenders Designation Application.

Chapter 30 Home Equity Conversion Mortgages. 47-30-103. Authorized lenders Designation Application. Chapter 30 Home Equity Conversion Mortgages 47-30-101. Short title. 47-30-102. Definitions. 47-30-103. Authorized lenders Designation Application. 47-30-104. Compliance Noncomplying loans unenforceable

More information

City of Houston Housing and Community Development Department Hurricane Ike Round 1 Homeowner Assistance Guidelines

City of Houston Housing and Community Development Department Hurricane Ike Round 1 Homeowner Assistance Guidelines Purpose The City of Houston s (City) (HCDD) goal is to alleviate specific life, health, and/or safety hazards resulting from hurricane damage. Homeowners receiving repair or replacement housing assistance

More information

This chapter shall be known and may be cited as the "Home Equity Conversion Mortgage Act."

This chapter shall be known and may be cited as the Home Equity Conversion Mortgage Act. Source: http://www.lexisnexis.com/hottopics/tncode/ 47-30-101. Short title. This chapter shall be known and may be cited as the "Home Equity Conversion Mortgage Act." HISTORY: Acts 1993, ch. 410, 2. 47-30-102.

More information

Summary of Georgia s Lead-Based Paint (LBP) Renovation, Repair and Painting (RRP) Rules For Contractors, Property Managers, and Maintenance Personnel

Summary of Georgia s Lead-Based Paint (LBP) Renovation, Repair and Painting (RRP) Rules For Contractors, Property Managers, and Maintenance Personnel Second Edition Revised January 2014 Summary of Georgia s Lead-Based Paint (LBP) Renovation, Repair and Painting (RRP) Rules For Contractors, Property Managers, and Maintenance Personnel Summary of Requirements

More information

CITY OF WASCO CDBG. Homebuyer Program Guidelines. City Council Approved 11/18/14 CDBG Approved 10/22/14

CITY OF WASCO CDBG. Homebuyer Program Guidelines. City Council Approved 11/18/14 CDBG Approved 10/22/14 CITY OF WASCO CDBG Homebuyer Program Guidelines City Council Approved 11/18/14 CDBG Approved 10/22/14 HOMEBUYER PROGRAM GUIDELINES Table of Contents 1.0. GENERAL 1.1. PROGRAM OUTREACH AND MARKETING 1.2.

More information

CITY OF TITUSVILLE NEIGHBORHOOD SERVICES POLICY AND PROCEDURE GUIDELINES FOR THE HOUSING REHABILITATION PROGRAMS

CITY OF TITUSVILLE NEIGHBORHOOD SERVICES POLICY AND PROCEDURE GUIDELINES FOR THE HOUSING REHABILITATION PROGRAMS CITY OF TITUSVILLE NEIGHBORHOOD SERVICES POLICY AND PROCEDURE GUIDELINES FOR THE HOUSING REHABILITATION PROGRAMS Adopted by City Council June 27, 2006 Revisions Adopted June 24, 2008 1 TABLE OF CONTENTS

More information

Lake County Homebuyer Programs Lender Guidelines as of 1/22/2014

Lake County Homebuyer Programs Lender Guidelines as of 1/22/2014 Lake County Homebuyer Programs Lender Guidelines as of 1/22/2014 ABOUT THE AFFORDABLE HOUSING CORPORATION OF LAKE COUNTY AHC is a nonprofit agency that increases and preserves affordable housing opportunities

More information

Quick Reference Program Summary. The following is an outline of the underwriting and closing requirements of New Hampshire Housing.

Quick Reference Program Summary. The following is an outline of the underwriting and closing requirements of New Hampshire Housing. Quick Reference Program Summary The following is an outline of the underwriting and closing requirements of New Hampshire Housing. Specific Program Rules are attached to this reference. A reservation cannot

More information

Housing Trust Silicon Valley ( HTSV ) Mortgage Assistance Program (MAP)

Housing Trust Silicon Valley ( HTSV ) Mortgage Assistance Program (MAP) Housing Trust Silicon Valley ( HTSV ) Mortgage Assistance Program (MAP) Program Description: Housing Trust Silicon Valley s Mortgage Assistance Program (MAP) is an amortizing second loan that is now available

More information

Landlord Handbook. Portland Housing Authority

Landlord Handbook. Portland Housing Authority Landlord Handbook Portland Housing Authority INTRODUCTION The Housing Choice Voucher (HCV) Program is a worthwhile endeavor for both the participant and the landlord. The HCV Program provides assistance

More information

LEXINGTON COUNTY MINOR HOME REPAIR PROGRAM POLICIES AND PROCEDURES

LEXINGTON COUNTY MINOR HOME REPAIR PROGRAM POLICIES AND PROCEDURES LEXINGTON COUNTY MINOR HOME REPAIR PROGRAM POLICIES AND PROCEDURES Community Development Block Grant Program County Administration Building 212 South Lake Drive Lexington, South Carolina 29072 Telephone

More information

City of Wichita s HOMEownership 80 Program First-Time Homebuyer Assistance

City of Wichita s HOMEownership 80 Program First-Time Homebuyer Assistance City of Wichita s HOMEownership 80 Program First-Time Homebuyer Assistance The City of Wichita offers a program that assists persons/families with low- to moderate-incomes in buying their first home. First-time

More information

CONSTRUCTION AND PERMANENT LOAN FINANCING TERM SHEET

CONSTRUCTION AND PERMANENT LOAN FINANCING TERM SHEET CONSTRUCTION AND PERMANENT LOAN FINANCING TERM SHEET This Term Sheet is to be utilized for disclosure of possible terms and conditions only. This is not to be construed as a commitment to lend. Terms and

More information

HOUSING REHABILITATION PROGRAM OF GREENVILLE BOROUGH

HOUSING REHABILITATION PROGRAM OF GREENVILLE BOROUGH Lawrence County Social Services, Inc. Department of Healthy Homes 815 Cunningham Avenue New Castle, PA 16101 724.656.0090 1.866.775.0090 www.lccap.org HOUSING REHABILITATION PROGRAM OF GREENVILLE BOROUGH

More information

City of Modesto Community and Economic Development Department

City of Modesto Community and Economic Development Department For More Information Please Call: (209) 577-5211 City of Modesto Community and Economic Development Department HOMEBUYER S ASSISTANCE PROGRAM (HAP) TABLE OF CONTENTS Introduction 2 Terms and Conditions

More information

Home Equity Conversion Mortgage (Reverse Mortgage) This Mortgage ("Security Instrument") is given on (date). The Mortgagor is (Name), of

Home Equity Conversion Mortgage (Reverse Mortgage) This Mortgage (Security Instrument) is given on (date). The Mortgagor is (Name), of Home Equity Conversion Mortgage (Reverse Mortgage) This Mortgage ("Security Instrument") is given on (date). The Mortgagor is (Name), of (street address, city, county, state, zip code), hereafter called

More information

NEIGHBORHOOD IMPROVEMENT LOAN PROGRAM MANUAL

NEIGHBORHOOD IMPROVEMENT LOAN PROGRAM MANUAL Village of NEIGHBORHOOD IMPROVEMENT LOAN PROGRAM MANUAL DOWN PAYMENT ASSISTANCE & HOME IMPROVEMENT LOANS: Duplex Conversion Loans & Attic Improvement Loans Table of Content Section Page Program Administration

More information

SLIDE 1 OUT OF 42. THE BASICS: 203(k) FHA Standard 203(k) Andrew Allen COPYRIGHT 2013 AMERICAN FINANCIAL RESOURCES, INC. ALL RIGHTS RESERVED

SLIDE 1 OUT OF 42. THE BASICS: 203(k) FHA Standard 203(k) Andrew Allen COPYRIGHT 2013 AMERICAN FINANCIAL RESOURCES, INC. ALL RIGHTS RESERVED SLIDE 1 OUT OF 42 R THE BASICS: 203(k) FHA Standard 203(k) Andrew Allen SLIDE 2 OUT OF 42 FHA 203K Questions 203k Explained What is the FHA 203(k) Loan Program? What are the program guidelines? What types

More information

Disclosure Requirements Concerning Lead-Based Paint in Housing: Questions and Answers

Disclosure Requirements Concerning Lead-Based Paint in Housing: Questions and Answers Disclosure Requirements Concerning Lead-Based Paint in Housing: Questions and Answers By Legislative Affairs Updated June, 2003 Institute of Real Estate Management 430 N. Michigan Avenue Chicago, IL 60611

More information

Davis Community Housing Authority Down Payment Assistance Program Summary

Davis Community Housing Authority Down Payment Assistance Program Summary Davis Community Housing Authority Down Payment Assistance Program Summary The Davis Community Housing Authority (DCHA) will be administering American Dream Down Payment Assistance Initiative (ADDI) funds.

More information

EMERGENCY REPAIR PROGRAM

EMERGENCY REPAIR PROGRAM City of New Bedford Office of Housing & Community Development 608 Pleasant Street, New Bedford, Massachusetts 02740 Telephone: (508) 979.1500 & (508) 979.1581 Fax: (508) 979.1575 PATRICK J. SULLIVAN DIRECTOR

More information

41 W. Lancaster Ave. Downingtown, PA 19335 (610)518-1522. Nancy J. Frame-Executive Director, Housing Partnership of Chester County

41 W. Lancaster Ave. Downingtown, PA 19335 (610)518-1522. Nancy J. Frame-Executive Director, Housing Partnership of Chester County 41 W. Lancaster Ave. Downingtown, PA 19335 (610)518-1522 To: From: Homeowner Nancy J. Frame-Executive Director, Housing Partnership of Chester County RE: HOUSING REHABILITATION PROGRAM APPLICATION Enclosed

More information

Section 1: Loan Characteristics

Section 1: Loan Characteristics Home Flex Quick Reference: Program Summary The following is an outline of the underwriting and closing requirements of New Hampshire Housing Home Flex program, which is available to lenders who have signed

More information

CITY OF SAN DIEGO 3% INTEREST DEFERRED LOAN PROGRAM GUIDELINES

CITY OF SAN DIEGO 3% INTEREST DEFERRED LOAN PROGRAM GUIDELINES CITY OF SAN DIEGO 3% INTEREST DEFERRED LOAN PROGRAM GUIDELINES Program Overview: BUYERS EARNING 100% OR LESS OF AREA MEDIAN INCOME (AMI) The 3% Interest Deferred Loan Program is a homeownership program

More information

CITY OF IRON RIVER RENTAL REHABILITATION PROGRAM GUIDELINES

CITY OF IRON RIVER RENTAL REHABILITATION PROGRAM GUIDELINES CITY OF IRON RIVER RENTAL REHABILITATION PROGRAM GUIDELINES JANUARY 2007 Page 2 of 13 I. Purpose of Program Iron River has been designated a Cool Cities Blueprint Community (Blueprint). Under this designation,

More information

Subpart A Disclosure of Known Lead-Based Paint and/or Lead-Based Paint Hazards Upon Sale or Lease of Residential

Subpart A Disclosure of Known Lead-Based Paint and/or Lead-Based Paint Hazards Upon Sale or Lease of Residential 35.80 Subpart A Disclosure of Known Lead-Based Paint and/or Lead-Based Paint Hazards Upon Sale or Lease of Residential Property SOURCE: 61 FR 9082, Mar. 6, 1996, unless otherwise noted. Redesignated at

More information

Cherokee County HOME Rehabilitation Program Eligibility Criteria

Cherokee County HOME Rehabilitation Program Eligibility Criteria Cherokee County HOME Rehabilitation Program Eligibility Criteria Cherokee County has funds available to provide loans for housing rehabilitation repairs to qualified homeowners. This money can be used

More information

CITY OF ELYRIA OWNER-OCCUPIED CDBG EMERGENCY HOME REPAIR PROGRAM GUIDELINES

CITY OF ELYRIA OWNER-OCCUPIED CDBG EMERGENCY HOME REPAIR PROGRAM GUIDELINES CITY OF ELYRIA OWNER-OCCUPIED CDBG EMERGENCY HOME REPAIR PROGRAM GUIDELINES This program is made possible by the federal Community Block Grant Program. A grant of up to $10,000 is available per owner-occupied

More information

CERTIFIED LEAD-BASED PAINT RENOVATION CONTRACTOR. License Requirements & Work Practice Standards

CERTIFIED LEAD-BASED PAINT RENOVATION CONTRACTOR. License Requirements & Work Practice Standards CERTIFIED LEAD-BASED PAINT RENOVATION CONTRACTOR License Requirements & Work Practice Standards License Required By April 22, 2010, construction contractors that perform renovation on certain older buildings

More information