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7.0. HRSR 09-23-2002 Item f 7 • City of Elk River MEMORANDUM TO: Housing & Redevelopment Authority FROM: Catherine Mehelich, Director of Economic Development DATE: September 23, 2002 SUBJECT: Housing Information Attachment • City of Richfield and City of Fridley Housing Programs • MN Housing Innovations Conference, October 17th, Maple Grove • Tri-Cap Community Fix-Up Fund loan information • Fact Sheet, Small Cities Development Program • • Article: "Affordable housing: problems, causes and solutions",MN Real Estate Journal, September 2, 2002. Background Since its formation in 1980 the Elk River HRA has primarily dealt with redevelopment planning and reviewing of specific redevelopment proposals within the downtown. With the Central MN Housing Partnership's (CMHP) completion of an Elk River Housing Study and the creation of the Sherburne County Chapter Habitat for Humanity, the HRA has indicated more of an interest in considering its role in addressing housing issues in Elk River. At its August meeting the HRA requested additional information on programming or projects that may be considered to address housing issues. Housing Programs There are numerous types of projects and levels of involvement that the HRA can consider to address various housing issues. However,it is important to establish priority goals and objectives for the types of projects that can be accomplished successfully given the available resources (staff time, funding, consultants, etc.). Staff recommends that the HRA,in conjunction with the City Council, consider developing a"Strategic Plan for Housing"which would identify priority problems, establish clear goals and objectives to address priority housing issues, and identify potential resources or partnerships. The results of the Comprehensive Plan, the CMHP Elk River Housing Study, • and the Planning Department's GIS housing stock analysis may be used for a portion of the "Strategic Plan for Housing". The HRA may consider hiring a consultant to facilitate the Housing Information September 23,2002 Page 2 process and complete the plan, similar to how Brimeyer&Associates was hired to complete the Strategic Economic Development Plan. Staff anticipates that the GIS (Geographic Information System) will be in service within a couple of months. The Planning Department will be completing a GIS analysis of Elk River's housing stock to determine a clearer picture of housing needs and potential target areas for rehabilitation or redevelopment programs. In July the HRA reviewed the attached information from the Richfield single-site housing redevelopment program and directed staff to research the costs to go about a similar project for Elk River. Staff recommends that the HRA consider a work session that would include representatives from Richfield, Fridley, and the Central MN Housing Partnership to present information about their programs and to answer the HRA's questions (costs, administration, process, etc). This work session could be held in October or after the first of the year when the GIS analysis and Comprehensive Plan and closer to completion. Housing Rehabilitation Programs Tri-County Action Programs, Inc. (Tri-Cap) has announced its participation in providing MHFA Community Fix-Up Fund loans to homeowners in Benton, Stearns and Sherburne Counties. The attached flyer summarizes the program. Staff will make this information available to residents on the city's website www.ci.elk-river.mn.us • MetroPlains Development, the selected developer for the Downtown Revitalization Project has indicated an interest in a Small Cities Development Program grant application by the City of Elk River. Grant funds may be provided for projects that would include housing rehabilitation or new construction,and the rehabilitation of commercial districts. The attached Fact Sheet summarizes the program requirements. More information will be provided to the HRA as MetroPlains'redevelopment concept is refined and potential funding sources identified. MN Housing Innovations Conference The MN Housing Finance Agency,Assoc. of Metropolitan Municipalities and League of MN Cities are sponsoring a free, one-day conference for elected and appointed city officials regarding housing options. Staff is registered to attend and can make registration arrangements for any other HRA or Council members who may be interested in attending. 4111 new home construction Page 1 of 2 New Home Construction Building a New Home: Richfield Rediscovered RICHFIELD REDISCOVERED PROCEDURE FOR PARTICIPATION Summary: The objective of the Richfield Rediscovered Program is to provide sites for new homes by removing very small, poor quality structures on lots throughout Richfield. Properties are purchased by the Richfield Housing and Redevelopment Authority (HRA) through voluntary sale. Sites are cleared of the original structure and sold for redevelopment of new homes. MINIMUM REQUIREMENTS FOR PURCHASING A SITE FROM THE HRA • The new home must be owner-occupied upon completion. The purchase agreement(between buyer and builder)and the development agreement(between the builder and the Richfield HRA)are the two essential contract documents. • Only"builder/buyer teams" may reserve sites—not a builder nor a buyer on their own. Under the Richfield Rediscovered program, no builder, builder subcontractor, nor builder realty agent may occupy or purchase the property. • The builder/buyer team will also be required to follow general design and development criteria established by the HRA. Finished properties must meet or exceed a minimum value specified for each site. • End buyers, unless licensed in the trade specified, may not put any sweat equity into the construction of the foundation,wall/roof framing, shingling, electrical/plumbing/HVAC systems, nor interior carpentry. 41) RULES 8 PROCEDURE FOR MAKING AN OFFER ON A SITE 1. All interested participants on the mailing list receive an information packet by mail. 2. Interested participants form a builder/buyer team (see above), and submit an offer to purchase a lot within approximately 2 weeks of receiving a mailing. Mailings go out when a list of lots is available, approximately once a year. No offer will be accepted for less than the minimum stated price. If all proposals are for the same dollar amount, all other things being equal, the first qualified offer will be accepted. 3. Proposals submitted after the offer deadline for any properties not selected within the offer deadline will made available on a first-come, first-served basis. 4. Each interested participant may only submit one proposal. All proposals will be kept confidential.All builder/buyer teams submitting a proposal will be notified by mail of whether their proposal was selected. 5. The HRA reserves the right to reject any and all offers at its sole discretion. 6. A complete proposal will include: a signed Participation Agreement, a check payable to the Richfield HRA in the amount of$500 (the program fee), and a completed Proposal Form. The program fee will be refunded on any unselected proposals. HOUSING DESIGN AND SITE DEVELOPMENT CRITERIA House design and street presence are critical. The HRA will require the following: 1. Each home shall be an owner-occupied single-family dwelling. 2. Each home must have a minimum of three bedrooms and two bathrooms. A two car garage, attached or detached, must be provided on the site. 3. Exterior materials should be low maintenance. Hardboard siding materials (i.e. masonite)are not acceptable. • 4. All building plans must be prepared in consultation with an architect or a qualified draftsperson. 5. Important Note: All house plans will be reviewed by the HRA. Issues of design to be reviewed include house building lines, roof lines, door and window placement, house orientation to street, and minimized garage door presence. Street-facing front doors are required. Window muntins (pane grids) are http://www.ci.richfield.mn.us/homeNewHomeConstruction.htm 9/19/02 new home construction Page 2 of 2 encouraged on all window styles, for the front of the house and other street-facing elevations. The HRA will not sell to builder/buyer teams if design issues have not been resolved to the satisfaction of the HRA. 6. Existing trees must be protected during construction.After construction, the site must be fully landscaped, including plantings around the foundation and complete sod installation. New trees are encouraged, and should be labeled on the required landscape plan. 7. Adjoining properties must not be disturbed by the construction process. 8. The finished buildings and site grading must improve, or not have a detrimental impact on storm water drainage patterns in the neighborhood. Gutters will be required on all roof edges which are pitched toward neighboring homes. BUILDER REQUIREMENT SUMMARY The Contract for Private Development requires the builder to: • Demonstrate financial capability by providing o A statement from a financial institution of sufficient construction capital; o A letter of credit; and o A summary of the financial conditions of the company. • Must meet or exceed State requirements for insurance including Builder's Risk, Comprehensive General Liability and Worker's Compensation Coverage. • Have a written warranty policy to be shared with the homeowner to perform warranted repairs required by Minnesota State Statute. The builder should anticipate being asked by the HRA to provide references from: o Five satisfied customers • o Three major suppliers, one being the construction lumber supplier o Building inspectors from two cities in which the builder has constructed new housing within the past three years. Preference will be given to licensed builders over inexperienced individuals who want to general contract. • http://www.ci.richfield.mn.us/homeNewHomeConstruction.htm 9/19/02 Fridley Minnesota City Services Housing &Redevelopment Authority Page 1 of 3 Back to Housing and Building • Fridley Housing & Redevelopment Authority History 1947, the Minnesota Legislature created the Minnesota Housing and Redevelopment Authority Act, which authorized cities to create Housing and Redevelopment Authorities (HRAs)charge with improving "substandard conditions"characterized by"dilapidation, obsolescence, overcrowding and faulty arrangement or design of buildings and improvements." Fridley's HRA was established in 1965 but remained inactive from the late 1960's through the late 1970's. Passage of the 1979 Tax Increment Financing Act created a new development tool that allowed HRAs to use tax increment financing to establish and administer quality development programs. These projects are designed to enlarge the tax base, create jobs, and create vital, attractive businesses in blighted or underdeveloped areas of the City. The authority is also empowered to carry out housing rehabilitation programs and redevelopment projects that create new housing opportunities to meet local housing needs. The authority also makes use of State and Federal programs to provide housing rehabilitation assistance to those that qualify. State programs include the First Time Home Buyer Program, the Minnesota Fix-Up Fund, and the Home Energy Fund. The Federal programs include the Community Development Block Grant Program and the HOME program. Both are intended for single-family home rehabilitation. Back to Housing and Building Who is the HRA? According to State law, the Mayor with the consent of the City Council, appoints the members of the Authority for a five year term. The Authority is composed of five residents who volunteer their time. The members attend a regular monthly meeting on the first Thursday of the month as well as other meetings as needed. Chairperson: Lawrence Vice Virginia Schnabel Member: John Meyer Member: Jay Bajwa Member: Pat Gabel The following city staff members prepare the documentation and reports for HRA consideration: Executive Director: William W. Burns (also the City Community Development Scott Hickok Asst. Exec. Dir. of the HRA: Grant Fernelius Back to Housing and Building Housing Rehabilitation Programs • The Fridley Housing and Redevelopment Authority (HRA) provides a variety of housing rehabilitation programs to help Fridley residents maintain and improve their homes and apartments. The following is a summary of the programs available. All of the single and multiple family programs are administered und- •I - • I - enter for Energy and Environment CEE) a -2mfi agency based in Minneapolis. http://www.ci.fridley.mn.us/sery/hra.html 9/19/02 Fridley Minnesota City Services Housing &Redevelopment Authority Page 2 of 3 Single Family Housing Programs Revolving Loan Fund This program offers loans up to$35,000 at 6%. Maximum repayment term is 20 years. The program is available to any homeowner with an income up to$63,000 per year. Some credit restrictions also apply. Loans can be used to improve owner-occupied properties with up to four units. Funded through the Fridley HRA. Other programs can also be used in conjunction with this program. Minnesota Fix-Up Fund This program offers loans up to$25,000 at 7.5%. The maximum repayment term is 20 years. Income limit is $75,000 per household. To learn more about this program,which is funded through the Minnesota Housing Finance Agency, go to the MHFA web site. Home Improvement Grants For low-income homeowners who are unable to qualify for a regular home improvement loan, this program provides up to $15,000 in assistance. The funds are provided in the form of a deferred-payment loan which is reduced by 10 percent each year for 5 years. At the end of 5 years, the remaining balance must be repaid whenever the home is sold. To qualify, applicants must meet certain income guidelines which are based on household size and have less than $25,000 in assets. Funded through the Community Development Block Grant (CDBG) and HOME programs. Matching Deferred Loans This program is available only in the Hyde Park neighborhood and is intended to be an incentive for homeowners and landlords to fix-up their properties. Up to$4,000 per unit is available and must be matched by the owner. The owner may use their own funds, a bank, or any of the loans previously mentioned (except the last resort program) for the required match. Homeowners with incomes up to $55,000 are eligible. Additional underwriting must be met as well. Funded through the Fridley HRA. Back to Housing and Building Rental Property Housing Rehabilitation Rental Rehabilitation Loans This program provides loans up to $10,000 per unit(max. $100,000 per structure)for improvements made to rental property. A 6% interest rate is charged to owners and the maximum repayment term is 15 years. Applicants must meet additional underwriting criteria. To learn more about this program, which is funded by the Minnesota Housing Finance Agency, see the MHFA web site. Who To Contact Program Administrator: Community Revitalization Resources 211 N. 1st Street, Suite 455 Minneapolis, MN 55401 Main Line: 612-335-5880 Fax Line: 612-335-2650 Director: Dave King, (612)335-5889 24 Hour Hotline: 612-335-2651 http://www.ci.fridley.mn.us/sery/hra.html 9/19/02 Fridley Minnesota City Services Housing &Redevelopment Authority Page 3 of 3 Loan Officer: Jim Hasnik, (612)335-5885 Or, go to CRR web page. • Back to Housing and Building ....* Housing Replacement Program The Housing Replacement Program was established in 1995 for the purpose of revitalizing neighborhoods by removing older, substandard housing stock and replacing it with new housing. The substandard homes are acquired on a vale intary basis, torn down and the vacant lots are sold to home builders. Since initial efforts began in 1993, a total of 27 properties have been acquired and 17 new homes have been built or are underway. As a way of recouping some of the project costs, the Fridley Housing and Redevelopment Authority (HRA)can collect the increased taxes generated by the new home for 15 years. From time to time the HRA has lots available for sale; inquiries should be directed to the Housing Coordinator at(763) 572-3591. Back to Housing and Building Fridley Home Remodeling Fair In addition to the programs and services mentioned, the Fridley HRA sponsors an annual Home Remodeling Fair. The fairs host displays by more than 60 contractors, workshops on various home improvement topics and drawings for free door prizes. Watch this web site for more information on the 2002 Remodeling Fair which will be • held on Saturday, March 2 and is co-sponsored by the cities of Fridley, Blaine, New Brighton and Mounds View, and Home Depot. Back to Housing and Building Remodeling Advisor This is a free service available to all Fridley homeowners. The program offers advice and other information on various home improvement topics. In addition, the Home Remodeling Advisor can provide referrals to other important resources such as home improvement financing, building code and zoning issues and methods of selecting a contractor. Appointments are available both during the day and evening. Also available at no charge to Fridley residents is the Remodeling Planbook! Need ideas and helpful hints for remodeling your house?The Planbook contains suggested floor plans and much more. For more information, contact Bob Rosenthal at the Center for Energy and Environment at 612-335-5874. Back to top • http://www.ci.fridley.mn.us/sery/hra.html 9/19/02 Conferences Home Page 1 of 2 a I i4 CTS RESOURCES LEGISLATIVE I LMCIT IIR LIBRARY I E PUBLICATIONS ER Ste. LMC Search Tools Keep Learning !Quick Links ��p>�rtgr Minnesota Housing Innovations Conference Oct. 17, Maple Grove Community Center, 8:00 - 3:00 Spark your imagination with innovative housing options by registering online now to attend a free, N" one-day conference for elected and appointed city officials. You'll build a framework of knowledge about resourceful options for solving your go.* community's current and future housing needs, including how to use traditional tools in new ways, address changing housing needs, and speed up development without spending money. Sponsored by the Minnesota Housing Finance Agency, Lmt Association of Metropolitan Municipalities, League it *. of Minnesota Cities, and the City of Maple Grove. for (Registration is limited to 100 people, so register online now.) . ; Regional Meetings Across the State, September through November Connecting cities, creating futures. That's what the League will help you do--right in your own backyard--during the 2002 Regional Meetings being held this September, October, and November at locations across the state. Find out all the details and register online today. LMCIT Mini-Workshop: Trenching Lake Benton, Sept. 24 Attend this half-day workshop to learn about program development and new safety standards. City staff with trenching and excavating responsibilities should attend to get hands-on experience working with a backhoe and trenchbox. • Police Management Issues Eight Locations,September through November Essential training for city and police administrators http://www.lmnc.org/conf/home.cfm 9/16/02 o' - AUG 2 3 2002 0 , 00 0 Tri-County Action Programs, Inc. Community Development Department Small Cities Development Program,MHFA Rehabilitation Loan Programs,Homebuilding,Weatherization, Conservation Improvement Programs,General Contracting/Remodeling August 22, 2002 PATRICK KLAERS CITY OF ELK RIVER 13065 ORONO PKWY ELK RIVER MN 55330-5600 Dear Mr. KLAERS, Tri-Cap is pleased to announce its participation in the MHFA Community Fix-Up Fund Program. This project targets homeowners in the Counties of Benton, Sherburne, and Stearns. These funds are for home repairs, which address Health, Safety, and Energy Efficiency. Enclosed you will fmd a flyer which summarizes this program. Please feel free to make copies and post as you see beneficial to the residents of your community. Please feel free to contact Karin Curtis or myself at 320-255-0705 should you have any questions or concerns. Thank You, Dan Roberts Community Development Coordinator (320) 255-0705 FAX: (320) 255-9518 2341 Co. Rd. 137, Waite Park, MN 56387 E-mail Address: mikefish @cloudnet.com -QIIAL OEROR'R!,'�I Il't,M PLOAI R-EQ!!AI.HOII INCi Ol ORTII N!TY Communities- Assistance Programs-Financial Resources- [Fact Sheet:] Small Cities Develo Page 1 of 2 111 Fact Sheet Small Cities Development Program Program purpose To provide decent housing, a suitable living environment and expanding economic opportunities, principally for persons of low-and-moderate income. How It Works Provides federal grants from the U.S. Department of Housing and Urban Development(HUD) to local units of government on a competitive basis for a variety of community development projects. Eligible Applicants Cities and townships with populations under 50,000 and counties with populations under 200,000. Indian tribal governments,which can receive funds directly from HUD, are ineligible for this program. Minimum requirements Small Cities Program projects must comply with fair housing and equal opportunity requirements. HUD's web site has • more information about fair housing and Equal opportunity 6$4-14 uNrre requirements. Proposed projects must meet one of three national objectives: 1. Benefit to low-and-moderate income persons; 2. Elimination of slum and blight conditions; or 3. Elimination of an urgent threat to public health or safety. In addition,proposed project activities must be eligible for funding,project need must be documented, and the general public must be involved in the application preparation. Eligible projects State program rules subdivide grant funds into three general categories: 1. Housing Grants. Small Cities Development Program(SCDP) funds are granted to a local government which, in turn, loans funds for the purpose of rehabilitating local housing stock. Loans may be used for owner-occupied, rental, single-family or multiple family housing rehabilitation. Loan agreements may allow for deferred payments or immediate monthly payments. Interest rates may vary, and loan repayments are retained by • grantees for the purpose of making additional rehabilitation loans. SCDP funds may also be used to assist new housing construction projects. Funds may also be used for land acquisition, site improvements, infrastructure or housing unit construction. In all cases, housing funds must benefit low-and- http://www.dted.state.mn.us/02x01x01x05.asp 9/18/02 Communities- Assistance Programs- Financial Resources- [Fact Sheet:] Small Cities Deve... Page 2 of 2 moderate income persons. 2. Public Facility Grants. SCDP funds are granted for wastewater treatment projects, including collection systems and treatment plants; fresh water projects, including wells,water towers, and distribution systems; storm sewer projects; flood control projects; and, street projects. 3. Comprehensive Grants. Comprehensive projects frequently include housing and public facility activities described above. In addition, comprehensive projects may include an economic development activity, which consists of loans from the grant recipient to businesses for building renovation/construction,purchase of equipment, or working capital. The most common economic development activity is rehabilitation of local commercial districts. Maximum available The maximum grant award for a Public Facility or Housing project is $600,000. The maximum grant for a Comprehensive project is $1.4 million. Other funds required The amount of other funds required is variable and contingent on the project type, other available sources of funds for the project, and the financial capacity of the applicant and local benefiting residents. Terms The length of project period is normally between two and three years, depending on the size and scope of the project. 110 Application accepted Part I pre-applications of the Business and Community Development application can be submitted year-round. Complete applications (including Part II)must be submitted by October 1 of each year. Grant awards The annual review and ranking period will commence on October 1. Grant awards will be announced each March. Approving authority Department of Trade and Economic Development. Disbursement of funds Grant monies are disbursed as project costs are incurred. IrContact DTED Regional Representative Print This Page • Copyright©1999-2002,Minnesota Department of Trade and Economic Development.All rights reserved. http://www.dted.state.mn.us/02x01x01x05.asp 9/18/02 h ,9..O c O en A Z CG °� = 5 = , GO n D v= o ac.a s , _ n C N- - p CD co h v R 0 N N • '. O h . fl° - 8.cn CD a ei . 3 D O � '01 d; . hi N o v . ., '., • � 5Pm wcoc .•(4 � � m, O5., • o • 0 < =, o op, Pcr .° `< oC M p o h.. �, 0 ` �u o o co IrD 0 o o � o. o CO 4�a G ` aG n n 6 . n D " � pA `i'a CACD . CD " t< cCn.- 1 i CD '..< CD Oct CD O ZIM '11 n " A,0 C c b X3 "0 _ p' ❑ O 0CD o a l ' �o . ., . 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