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8.1. HRSR 10-03-2016 tti Request for Action River To Item Number Housing and Redevelopment Authority 8.1 Agenda Section Meeting Date Prepared by Work Session October 3,2016 Colleen Eddy,Economic Development Specialist Item Description Reviewed by HRA Housing Rehabilitation Loan Program Amanda Othoudt,EDD Discussion Reviewed by Cal Portner, City Administrator Action Requested Receive information on the HRA Housing Rehabilitation Loan Program and discuss future options. Background/Discussion At their August 1S`work session,the HRA discussed the possibility of expanding the existing Rehabilitation Loan Program targeted area. Options that were discussed: • Expanding the targeted area to include additional older neighborhoods • Simply defining a minimum age of the home • Homes within the city limits there are at least 35 years old • Case by case basis by justifying the need Also at the last work session,the HRA showed a particular interest in the City of Coon Rapids'housing programs. In order to answer several questions from the HRA on the Coon Rapids programs, staff felt it beneficial to bring in the coordinator for the Coon Rapids housing programs. Kristin DeGrande from Coon Rapids will be in attendance to explain their program(s) and will answer any questions from the HRA. Financial Impact N/A Attachments • HRA Rehabilitation Loan Program Policy and Application frrEIEI it R� FINAL ELKRIVER HRA OWNER-OCCUPIED HOUSING REHABILITATION PROGRAM POLICIES AND PROCEDURES 2014 443114v4 MJM EL185-26 TABLE OF CONTENTS 1. PROGRAM OBJECTIVES 1 2. EQUAL OPPORTUNITY/FAIR HQUSING/ AFFIRMATIVE ACTION 1 3. PROGRAM ADNIINISTRATION 2 4. PROGRAM MARKETING 2 5. APPLICIATION PROCESS 2 6. ELIGIBILITY REQUIREMENTS/PROPERTY CONDITIONS 3 7. FINANCING TERMS &AMOUNTS 4 8. ELIGIBLE/INELIGIBLE REHABILITATION ITEMS 4 9. CONSTRUCTION PROJECT STEPS 5 10.DENIAL/COMPLAINT/APPEAL PROCEDURES 9 11.AMENDING POLICIES & PROCEDURES 10 443114v4 MJM EL185-26 Elk River HRA Owner-Occupied Housing Rehabilitation Program 1. PROGRAM OBJECTIVES The Housing and Redevelopment Authority in and for the City of Elk River, Minnesota (hereinafter referred to as "the HRA") will provide financial assistance for the rehabilitation of residential properties. The policies and procedures for distribution and eligibility are incorporated in this document. 2. EQUAL OPPORTUNITY/FAIR HOUSING/AFFIRMATIVE ACTION The HRA shall not deny assistance based upon race, color, creed, religion, national origin, sex, marital status, reliance on public assistance, age, disability, or familial status. It is the policy of the HRA to provide equal employment opportunity for all persons regardless of race, color, religion, national origin, marital status, political affiliation, sexual orientation or gender identity, status with regard to public assistance, disability, sex, or age. The HRA responds affirmatively in its employment practices. Affirmative action applies to all aspects of employment practices including, but not limited to: recruiting, hiring, placement, promotion, demotion, transfer, training, compensation, benefits, layoff, recall, and termination. The HRA seeks to do business with entities that encourage equal employment opportunity. Fair Housing/Affirmative Action: It is the policy of the HRA to work affirmatively to ensure that all persons regardless of race, creed, national origin, sex, marital status, age, handicap or reliance on public assistance shall be treated equally and fairly for purposes of this Housing Rehabilitation Program. Program promotion conducted by CMHP and the HRA shall be inclusive and will exercise care to avoid promotion methods that may exclude eligible applicants. All applicants will be provided with printed information on Fair Housing with their application packet. The HRA will not tolerate discriminatory practices within its jurisdiction. The following practices have been declared to be discriminatory and unlawful under the Fair Housing Act: • Refusal to sell, rent or to negotiate for the sale or rental of any property based on race, creed, color, sex, religion, national origin, marital status, familial status, handicap, or in regard to public assistance. • Discrimination in terms, conditions,privileges and in services and facilities. • Engage in any conduct which makes dwellings unavailable or denies dwellings to persons. 443114v4 MJM EL185-26 • Make, print, publish or cause to make, print, or publish public discriminatory advertisements. • To represent that a dwelling unit is not for sale or rent when in fact it is. • To engage in blockbusting. • To deny access to membership or participation in, or to discriminate against any person in his or her access to membership or participation in, any multiple-listing service, real estate broker's association, or other service organization or facility relating to the business of selling or renting a dwelling or in the terms or conditions or membership or participation. 3. PROGRAM ADMINISTRATION General/Field Administrator: The HRA has contracted with Central Minnesota Housing Partnership, Inc. (hereinafter referred to as "CMHP") for all housing rehabilitation field administration services. CMHP is responsible for program delivery to include: marketing, application processing and approval, inspections and suitability of housing rehabilitation, scope of work preparation, bid packets, loan document origination, contract awards, interim inspections, change orders, final inspections, recommendation of payment to contractors and project close-outs. CMHP will provide the HRA with regular financial and progress reports. 4. PROGRAM MARKETING CMHP, on behalf of the HRA, will conduct marketing and outreach as needed. Applicants may be contacted for the program in the following ways: • Conduct a community meeting to inform residents of the program availability and application process,upon startup and annually when funds become available. • Issue monthly news releases to local newspapers with information about the program and community meetings. • Direct mailing of program information to homeowners in the community • Create marketing flyers and post them in prominent areas in the community 5. APPLICATION PROCESS Applicants will be served on a first come, first served basis with those on the letter of interest list being notified first of funding availability. Applications will be logged by date of receipt of the application and not by request of an application packet. Applications will be processed in the order that they are received. Applications will not be considered complete until all required documentation is collected. CMHP will move forward with projects in the order that applications are completed and approved. CMHP holds the right to close an application and move to the next application in line if applicant is non-responsive to requests for application documentation. If an applicant is not responsive to requests for information, CMHP will send a letter stating such, along with a deadline to receive the information. If the requested information is not received by the deadline,the application will be closed. 2 443114v4 MJM EL185-26 Misrepresentation: Any material misrepresentation on the part of an applicant revealed through the application process or otherwise, may result in a determination of ineligibility. The applicant shall be notified in writing of such determination by CMHP, and shall be given the opportunity to request an informal review upon the matter. Evidence of Fraud: Any administering party participating in the program shall refer evidence of fraud,misrepresentation, collusion or other misconduct on the part of the applicant or contractors in connection with the operation of the program to the State of Minnesota Attorney General for investigation and legal action. Approval/Denial letter: If the applicant or home does not meet the eligibility requirements, CMHP will send a denial letter will be sent to the applicant. Any applicant receiving a denial letter has the right to appeal through a set appeals process(see Section 10). Applicants whose applications have been initially approved will be sent an initial approval of funding letter. This letter will state the applicant's eligibility for the program and provide information on next steps. The approval letter will not state or guarantee a specific amount of funding. This will be determined through the construction bidding process. Receipt of an initial approval also does not guarantee that the maximum amount of funding will be available. 6. ELIGIBILITY REQUIREMENTS/PROPERTY CONDITIONS Property eligibility: requirements listed below will be verified through the application approval process and initial inspection of the property: • Homes must be located within the Target Area(see Exhibit A) • Homes must be the principal place of residence of applicants. By definition, this means you must live in your home a majority of the year(Over six months) • Homes must be classified as homestead • Homes must be a permanent structure on a permanent foundation (no mobile or manufactured homes) • Homes located within a 100-year flood plain are not eligible for rehabilitation Homes with the following conditions will be a priority of the program, assuming applicant and home meet all eligibility requirements: • The home needs wiring updated because the existing wiring does not comply with the applicable laws and regulations. • The home has health and safety hazards such as lead based paint, asbestos, etc. • The home does not meet HUD's Housing Quality Standards • The home does not meet city code • The home fails to provide suitable shelter in some other obvious manner as determined by CMHP Suitability for Rehabilitation: CMHP must make a determination that a specific home is a suitable candidate for rehabilitation in order to receive program funding. The determination will 3 443114v4 MJM EL185-26 be based on structural viability, after rehabilitation market value, historical significance, cost of rehabilitation and housing replacement cost. Nuisance Standards: Homeowners must demonstrate compliance with the City of Elk River's public nuisance ordinances. Properties improved using program funding must maintain these standards throughout the life of the program loan or risk repayment, as determined by the HRA. Housing Replacement Cost: When a home is determined to be unsuitable for rehabilitation due to economic factors, other factors must be considered before denial of assistance to the household. These factors include: • Lack of other housing alternatives • Cost of relocation • Expense of housing alternatives • Abnormal low market values due to depressed market 7. FINANCING TERMS &AMOUNTS Loan rates: Loan rates escalate depending on amount of loan. 5 year loan will be set 2% below prime rate, 10 year loan will be set 1% below prime rate, and 15 year loan will be set at prime rate. All prime rates will be calculated on the date of bid opening. • $5,000 to $10,000 must be 5 year loan • $10,001 to $20,000 must be 5 or 10 year loan • $20,001 to $25,000 can be 5, 10 or 15 year loan Owners match: Projects can be above$25,000 but owners are required to cover remaining cost. 8. ELIGIBLE/INELIGIBLE REHABILITATION ITEMS Loans are only allowed to address certain rehabilitation items. Rehabilitation items will be discussed with applicants during the initial property inspection. Eligible rehabilitation items include: • Removal of health, safety and/or other hazards to bring the structure into compliance with the property rehabilitation standards used by CMHP. For example: electrical outlet replacement, smoke/CO detectors, lead based paint remediation, etc. NOTE: these are required ifapplicable to the project. • Improvement/replacement of roofing, siding, plumbing, water supply, septic systems or wiring may be eligible for repair • Improvement of the structure's energy efficiency. For example: increasing insulation, installing new windows and doors • Modify or rehabilitate the housing unit to make it accessible for a disabled member of the household. Accessibility Improvements may include: structural, exterior, bathroom, 4 443114v4 MJM EL185-26 kitchen and other improvements necessary to enable a handicapped person to function independently in the residential setting. • Landscaping • Garages/Outbuildings • Fences(new or repair) • Water softeners • Decks/Patios(new) • Additions to structures and finishing of basements • Finishing basements • Other rehabilitation items found suitable by CMHP rehabilitation staff Loans may not be used to address any of the following(except for necessary replacement in connection with an eligible rehab item): • Freestanding or built-in kitchen appliances unless needed to meet HQS standards • Fireplaces or woodstoves (unless a health/safety issue) • Window/door coverings(curtains,blinds,etc.) • Air Conditioning(unless needed for medical purposes) • Recreational items(swimming pools,tennis courts, saunas) • Garage door opener(unless handicap accessible improvement) • Driveways, sidewalks(unless health or safety issues) • 200 amp service unless needed(then justify) • Work begun or completed before the date of the Notice to Proceed order • Improvements not consistent with established standards • The refinancing of any existing mortgage or debt Note: Above listed items may be part of a total project scope of work,but any costs with the items are required to be covered by owners match funds. 9. CONSTRUCTION PROJECT STEPS After approval of a homeowner's application, an initial inspection will be scheduled. CMHP staff will meet with homeowners and perform a visual Housing Quality Standards inspection and discuss the homeowner's wishes. After the initial inspection a lead based paint risk assessment will be requested. After the risk assessment is completed, CMHP will create a scope of work based on the initial inspection and the lead assessment report. Once the homeowner has approved the scope of work the project is ready to go out for bid. All contractors participating in the program must have a Contractors Application Form on file at CMHP. The application must contain proof of insurance coverage and copy of their MN Contractors License. Contractors will be responsible for securing insurance of the amounts specified on the application form. Scope of work determination: CMHP will originate a rehabilitation scope of work from information collected from the initial home inspection. Homeowners will participate in the 5 443114v4 MJM EL185-26 creation of the scope of work and will sign an owner approval form once they are satisfied with the scope of work. A final scope of work should be completed and approved by the owner no more than one month after the initial inspection. The final draft scope of work will be provided to contractors through the bidding process. Bid Solicitation: A homeowner may request the services of a specific contractor to bid on its project. CMHP will provide homeowners with a list of local participating contractors. It is the responsibility of the homeowner to select 2-4 contractors from the list to whom CMHP will send project bid packets. In order for a contractor who is not on the list to be awarded a bid, the contractor must furnish a Contractors Application Form and the required contractor license and insurance documentation. Bidding: Contractors will submit bids based on the bid specifications and approved scope of work prepared by CMHP. Participating contractors will be allowed to bid on any and all rehabilitation projects. However, CMHP will closely monitor the number of jobs that contractors receive to ensure that work is carried out in a timely manner. CMHP will also take into account homeowner's satisfaction of workmanship and will have the authority to remove contractors from the participating contractor list. Bid openings are typically scheduled 3 weeks from the date of mailing. Contractors will mail bids to CMHP and they will be opened at the scheduled time and date by CMHP staff. Bid results will then be forwarded to the homeowners for review. Bid Awards: It is the homeowner's responsibility to select a contractor a contractor to complete the work, based on bid amounts and comfortableness with contractors. The Contract shall be awarded to the owner's selection unless one of the following circumstances occurs: • The contractor has failed to follow the procedures outlined in the instructions to bidders • The contractor failed to bid according to the specifications and CMHP determines it is impossible to compare the contractor's bid with the other contractors' bids If the lowest bid is not selected, CMHP will review to make sure the bid selected by the homeowner is responsible and reasonable and if CMHP determines that the bid is not responsible and reasonable, the homeowner cannot enter into a contract with that contractor/bidder. If only one bid is received, the bid will be compared to a cost estimate provided by CMHP to ensure reasonableness. Contractor Notification: CMHP will provide an award letter to the selected contractor and unsuccessful bidder letters to those contractors not selected by the homeowner. Contractor Contract: A rehabilitation contract will be executed between the homeowner and the contractor. The contract will include the scope of work, contract amount, and outline the terms for completion of the rehabilitation and will include the following: • General conditions • Timeframe for completion 6 443114v4 MJM EL185-26 • Warranties • Special conditions • Amount of contract • Change order procedures • Payment terms • Termination procedures Loan documents: CMHP will forward the Repayment Agreement to homeowners. Homeowners will execute the repayment agreement in the presence of a Notary Public, and return the executed document to CMHP, along with any required owners match funds. All documents must be executed and returned to CMHP before a project can start. The Repayment Agreement will be recorded with the Sherburne County. Notice to Proceed: After receipt of the executed Repayment Agreement, receipt of owners match funds, and confirmation of construction contract execution, the project can start. Upon contractor request, CMHP will issue a Notice to Proceed to the contractor and provide a copy to the homeowner. The notice will allow the contractor ninety(90)days from the date of the Notice to Proceed to complete the specified work. Ninety (90) days will be the allotted amount of time except under the following conditions: • The work is weather dependent and weather conditions have not allowed for the completion of the work • The Notice to Proceed is issued too late in the building season to allow weather dependent work to be completed on time • The selected contractor is too heavily committed to perform the work within the allotted time and informs the homeowner and CMHP of the situation. A work schedule will be established that is acceptable to the homeowner, CMHP, and the contractor • Unforeseen difficulties develop with the approved work and force a delay Failure to Start/Complete Project: Upon receipt of the Notice to Proceed, a contractor will have 90 calendar days in which to complete the contracted work. Failure to begin work within the first 60 days will be grounds to terminate the contract unless unforeseen weather issues affect the start date. The 90-day time period shall not be exceeded except through the issuance of a change order and by approval of the homeowner. In the absence of a change order, a contractor who violates the time period shall be penalized 10% of the unpaid balance for each week that the contractor is in violation. Payment Procedures: All contractors will agree to the payment schedule established by CMHP and the HRA. Typically draws will scheduled to provide for one draw for materials and a second draw upon completion. Draw requests approved by CMHP must be submitted to the HRA at least one week before the first Monday of a month to be paid in such month. Approved payments will be made by the HRA directly to the contractor and will be deemed advances of the Loan to the Homeowner. Steps and conditions for contractor payment include: 7 443114v4 MJM EL185-26 • No pre-payments are allowable for any reason. Payment requests for materials will be allowed only if contractor provides receipt for payment • Draw inspections will be scheduled by CMHP and will include the contractor and homeowner • Progress payments will only be allowed for work that is completed • Payments will be made only after the work is completed according to the specifications in the scope of work, and is approved by the owner and CMHP. In order for the contractor to be paid, a draw request form must be signed by the homeowner • Ten percent (10%) will be withheld from each partial payment. Final payment for all work completed, including any withheld amounts, may be made after all work by a contractor is completed, the final inspection has been conducted and CMHP, homeowner and contractor have signed off on the work Payments will be made only upon presentation of the following documents: • Billing statement/invoice submitted to CMHP by contractor • Homeowner signed draw form • Signed lien waiver • Sworn Construction Statement(final draw only) • Completion Certificate(final draw only) Change Orders: Change orders to the contract require the signature of the homeowner, the contractor and CMHP. Change orders will specify what the change is and the increase/deduction in the contract amount. Costs may be the responsibility of the homeowner and, if so, these funds must be placed in the appropriate escrow account. Funds may not be eligible for change order items if change order work is completed before approval of CMHP staff. Change orders will be allowed only for the following reasons. • To rectify hidden deficiencies discovered once work has started • To change a specification due to unforeseen difficulties arising after work has started • To address a deficiency that was inadvertently dropped from the project during scope of work origination • To approve changes in the contract time period Owner Participation: Homeowners are expected to participate in their project by communicating with contractors when they have questions about work items, scheduling or any other concerns that may arise. It is expected that homeowners and contractors will communicate any issues or problems that arise to CMHP staff. Homeowners are not allowed to complete work, or perform "sweat equity". Only licensed contractors will be allowed to complete needed work. NOTE: if a homeowner is a licensed contractor with a current license and insurance coverage, they will be allowed to complete work on their home, and only materials will be covered by the program. Termination of Contract: A contractor's contract may be terminated by the homeowner due to the following circumstances: 8 443114v4 MJM EL185-26 • Poor work performance on the job site and the demonstrated inability to rectify poor workmanship • Contractor is causing undue damages to the property and showing an inability or unwillingness to correct the damages. The cost of repairing damages will be deducted from any money owed the contractor for work already completed • Where collusion or fraud has been determined to exist on the part of the contractor • Lack of sufficient insurance coverage • Inability of the contractor to perform the work within the allotted time • Irreconcilable and irresolvable differences between the contractor and the owner The cost of repairing poor workmanship and the higher costs of awarding the bid to another bidding contractor shall be deducted from any amount owed to the initial contractor for work completed. In all cases, the contractor shall be given the opportunity to rectify the problem before contract cancellation procedures are instituted. CMHP shall adhere to the following procedures when negotiating a workmanship problem: • A meeting will be scheduled at the job site with the contractor and homeowner to attempt to come to a consensus about the problem and solution • If problem persists,CMHP shall contact the contractor by certified mail notifying the contractor that the workmanship is still poor and specifying areas that need to be addressed to satisfy the contract. The letter will give the contractor fifteen(15)days to make the required repairs • Contractors who are removed from a contract shall be removed from the participating contractor's list and shall be prohibited from bidding on projects. Project Close-Out: At the time of project completion, the following steps will be taken to close out the project: • A final draw/ inspection will be scheduled to confirm that all work has been done according the contract and to execute final draw form, final lien waiver and completion certificate • Draw requests will be submitted by CMHP for final payment • Lead based paint clearance inspection is ordered and completed(if applicable) • Close-out letter will be sent to homeowners and will include: copies of all recorded loan documents, completion certificate and contractor documents 10.DENIAL/COMPLAINT/APPEALS PROCEDURES Applicant Denial Procedure: If a household's application is denied for any reason, a letter of denial will be sent to the household within 10 working days. The denial letter will clearly outline the reason for denial and inform the applicant that an appeals procedure is available. Applicant Complaint Procedure: Initial applicant complaints about any aspect of service delivery, staff, program restrictions or contractor relations/workmanship may be pursued 9 443114v4 MJM EL185-26 verbally or in writing to CMHP. The complaint shall be addressed by working with the contractor and the applicant to resolve the problem within two (2)weeks. Applicant Appeal Procedure: If a household is dissatisfied with the level of assistance they have received, and where an applicant complaint cannot be resolved with CMHP, CMHP will notify the applicant in writing that a written procedure for appeal is available. The appeals procedure follows these steps: 1. The applicant who wishes to appeal the initial response must submit a request for appeal in writing within thirty (30) days of the initial response. This request must state the reason(s) for the appeal and should include any information that the applicant feels is pertinent to the appeal. 2. All appeals should be addressed to: Central Minnesota Housing Partnership, Inc. 37 28th Avenue North, Suite#102 St. Cloud, MN 56303 3. A Review Committee shall be established and made up of representatives from CMHP and the HRA. 4. If the Review Committee concurs on the findings, CMHP shall respond to the applicant, in writing, including the results of the review, an explanation of the findings and the next step the applicant can take if he/she is still not satisfied with the response. 5. If the Review Committee does not concur on the findings, the appeal will be presented to the HRA, whose written decision shall be final and presented t0 the applicant within fifteen(15)working days. 11.AMENDING POLICIES & PROCEDURES These policies and procedures may be amended during the course of the loan agreement,by taking the following steps: • The HRA or CMHP may recommend an addition, deletion or revision by contacting the other party and stating the proposed change and reason for the proposed change. • The proposed change will be presented, discussed and approved at an HRA meeting Policies and Procedures prepared by Central Minnesota Housing Partnership,Inc. on behalf of the HRA of Elk River. 10 443114v4 MJM EL185-26 Exhibit A Targeted Area Target area starts at the intersection of School Street and Freeport Street and travels south including all homes abutting Freeport Street until the intersection with 3rd Street NW.At the intersection of Freeport Street and 3rd Street NW it travels east until the intersection with Evans Avenue NW including all homes south of 3rd Street NW.At the intersection of 3rd Street NW and Evans Avenue NW it travels south until it interacts with Railroad Drive.All homes along Main Street NW east of Evans Ave NW until Carson Court NW are included,along with all homes on 2nd Street NW and 1st Street NW cul-de-sac's. At the intersection of Evans Ave NW and Railroad Drive the target area boundary travels directly west over Highway 10 to the Mississippi River. It travels up stream along the Mississippi River until the intersection with the Elk River,it travels up stream on the Elk River until the Main Street NW bridge all homes on the north side of the Mississippi and Elk River are included in target area. The boundary travels along Main Street NW to the intersection with Rush Avenue NW and includes any abutting homes.At the intersection of Main Street NW and Rush Avenue NW it travels north to Highway 10 and includes all homes east of Rush Ave NW. It then travels east along Highway 10 including all property to the south until the Quinn Avenue NW. It follows Quinn Avenue NW north over the railroad tracks until School Street NW including all homes east of Quinn Avenue NW.At School Street NW it travels east until the intersection with Freeport Street including all homes south of School Street NW. 443114v4 MJM EL185-26 FINAL CENTRAL MINNESOTA HOUSING PARTNERSHIP,INC. Elk River Housing and Redevelopment Authority Application for Home Rehabilitation Property Owners Name: Property Owners Address: Address to be improved: City: State: Zip: Phone: Date: Short Project Description: Number of people in Household: Estimated Yearly Gross Household Income: $ Eligibility Requirements: ❑ I own and live in the house to be remodeled ❑ My home receives homestead credit on my Sherburne county taxes ❑ My home is at least 20 years old and was build in (year built) o If home is older than 1978 lead assessment required ❑ I have not begun my home improvement project ❑ This home is my primary residence Your application is not complete if you do not include: 1. Application 2. Work requested checklist 3. Most recent Federal tax return 4. Proof of ownership copy of deed 5. Homeowners insurance binder(must show current dates of coverage) 6. Property tax statement(most recent) 7. Conflict of interest form(signed by all owners) I agree with and understand the following: I have read and am within the guidelines for the Housing Rehabilitation Loan Program. I understand that if any information is incorrect or incomplete,my chances of receiving funding will be delayed and/or hindered. I understand I cannot begin work before approval of my application. Signature: Date: Application will be reviewed in the order they are received 2 Eligibility Criteria 1. Properties must be located within target area. 2. Applicant must have ownership of property and is current resident. 3. Applicant must not have started or completed work on the proposed project. 4. Proposed improvements must comply with Minnesota State Building Code for rehabilitation work. 5. Eligible improvements include exterior improvement to buildings, as well as interior improvements related to safety, accessibility,habitability, and energy consumption, and efficiency. Work Requested(Check all that apply) Eligible exterior improvements: ❑ Windows and doors ❑ Painting, sandblasting or other façade improvements ❑ Roofs ❑ Foundations ❑ Exterior lighting ❑ Handicap Accessibility ❑ Cement work(sidewalks and steps) ❑ Landscaping ❑ Other: Eligible safety, accessibility,habitability and energy efficiency improvements: ❑ Heating ❑ Electrical ❑ Plumbing ❑ Insulation ❑ Handicap accessibility ❑ Asbestos and lead abatement ❑ Other: Ineligible improvements include: • Refinancing debt or prior rehabilitation debt • Security systems • Furniture • Recreational items(tennis courts, swimming pools, etc.) • Appliances(unless needed to meet rehabilitation standards or livability) *Loans are not available to remodel apartments or rental units 3 Financing Terms: • 5 year loan at 2%below prime rate • $5,000 to$10,000 5 year loan • 10 year loan at 1%below prime rate • $10,001 to $20,000 5 or 10 year loan • 15 year loan at prime rate. • $20,001 to $25,000 5, 10 or 15 year loan The amount of the loan should be$5,000 or more and no more than$25,000.Prime rates set on date of bid opening. Conditions 1. If the applicant has received a loan(s) from Elk River HRA in the past,he or she is only eligible for the difference between the maximum loan amount and the amount remaining to be paid on previous loan(s). 2. Loans on the property sold by contract-for-deed are due when the title transfers or owner no longer maintains property as primary residence. 3. All owners must join in the application including contract holders. 4. Loan applicants will pay recording fees. Loan Application Review Process 1. CMHP staff will evaluate the loan application to determine eligibility. 2. Once staff makes a determination the building inspector or CMHP staff will conduct an inspection of the property. At the inspection,there will be a determination if corrective actions are necessary for the property to conform to rehabilitation standards. Contact information: Jason Krebsbach Phone: 320-258-0672 Email: Jason@cmhp.net Return completed application and all attachments to: Central Minnesota Housing Partnership, Inc. Attn: Jason Krebsbach 37 28th Avenue North, Suit#102 St. Cloud,MN 56303 Note:Faxed or emailed applications will not be accepted Please remember to complete all sections of the application and provide addresses where requested.Failure to complete the application in full will delay your approval time, and may lead to application denial. 4 Application Steps 1. Submit application ❑ Work requested checklist ❑ Most recent Federal tax return ❑ Homeowners insurance(must show current dates of coverage) ❑ Property tax statement(most recent) ❑ Copy of warranty deed or contract for deed ❑ Conflict of interest form(signed by all owners) 2. Housing inspection ❑ Elk River house inspection required(any issues found must be addressed to receive funding) ❑ If home is older than 1978 lead assessment is required ❑ CMHP provides scope of work based on home inspection and list of contractors in Elk River. 3. Scope of work ❑ Returned with at least 2 bids ❑ Sketches is applicable 4. Contract sent to homeowner with chosen contractor's and scope of work ❑ Signed and notarized 5. Contracts signed by homeowner sent to contractor 6. Contracts reviewed by CMHP ❑ Notice to proceed issued to contractor ❑ Material and construction draws after notice to proceed issued 7. Closing inspection ❑ CMHP 5 ?AVElif,J.-., � ,\ � � 191'1/' �■tt � � / ��r '��o ` PA ER g s` �� ( / , ` �� ;,../ot � k �® NI a .iii, ,flAzari§ .s,_, c -----\,,,,,,, ,I�� `\ � r ,�/ ! \\A ° ,,FA: � 19 o r c-7 �I \toE;\\\\\\ �` Al r!\\ ''..\,'\,, . \ I.1 s,. i it (;)1 II NIPS$ ie VANDB�6tGE NBt Y ERY W li 1 \�`>~. 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Riv er April 9,2014 HOME FOR GENERATIoNs City of Coon Rapids Home for Generations II Home Improvement Program What Is It? • Incentives to homeowners to do large remodel projects • Free Remodeling Advisor visits • Discounted Architectural & Landscape Design consultations • Rebate of 50% of the building permit fees • Grants up to $5,000 Who Is Eligible? • Owner-occupied, homesteaded properties only • Home older than 20 years • NO income limits! What Is Eligible? • Projects totaling at least $35,000 that either adds living space or be a value-added, major remodel to the home such as: o Major kitchen, bathroom or basement remodel o Building an addition o Finishing previously unfinished space in the basement or attic o Constructing a covered front porch o Adding a new bathroom o Changing layout of home by moving walls ** other projects can be added to your total project cost as long as you have at least one of the above listed projects in your scope of work. What About the Grant? • Grants up to $5,000 available based upon the project type • If the project includes two or more eligible exterior upgrades (listed below), the grant would equal 10% of the total project cost ($5,000 max) • If the project does not meet the eligible exterior upgrade requirement for the 10% grant, then the grant would equal 5% of the total project cost ($2,500 max) • Eligible exterior upgrades includes: o Altering the roofline on the front of the house o Constructing columns at the front entrance o Building a covered front porch o Adding shakes, brick or stone on the front of the home o Replacing and upgrading the front door and/or garage door o Landscaping (landscape design consultation required) o Other elements as approved What Next? Apply with the City. Submit your application BEFORE starting any of your remodeling work. Projects started prior to applying for the program will NOT be eligible! Applications can be found on the City's website: http://www.coonrapidsmn.gov/DocumentCenter/Home/View/466. Applications will be accepted on a first come, first served basis. Every applicant will be required to participate in a two hour design consultation with an architect to discuss the elements of their remodeling plans. Homeowners pay only $25 and may choose to meet with any of the several participating architects. Research the numerous architects here: http://www.coonrapidsmn.gov/558/Select-an-Architect- Landscape-Architect. For more information, please contact Kristin in the Neighborhood Reinvestment Division at kdegrande(c�coonrapidsmn.gov or 763-767-6517. Financing Your Projects The Coon Rapids Mortgage Assistance Foundation has established a loan program to provide homeowners a low cost option for financing their Home for Generations II remodeling projects. Loans up to $50,000 with terms up to 20 years are available to qualified borrowers at the low fixed interest rate of 4.5%. Homeowner may borrow up to 100% of the improved value of the property. Access to this loan program fund will be available only through participation in the Home for Generations II program. If you apply for this loan, you will be required to submit two bids for each of your projects. The Coon Rapids Mortgage Assistance Foundation also offers other loan programs suitable for many other home improvement projects and maintenance needs. More information can be found at www.mnlendingcenter.org or by calling 612-335-5884. ��e •d•2016 _,.. ,,, r .. _ HOMEFORGENERATIO ., N Ci of Coon Rapids Rapids Home ,..,:„:::„ , , Phase II Remodeling i.„. - „:„. ,,, ,„„ Tour ,, .. -11, ._ Sunday, May 15 ,_ , _ ______ . , „tit a., 12 - 4 p.m• "We can't wait to entertain in ' new Space" r r4 �� ter..: F» u i - .v . "We love our new kitchen” 1t Speak with homeowners & contractors "We 1 p floor lanw open » See "before" photos Great ideas & inspiration Community strength...for generations 201„:T „-,::-------,:-„- 6 Coon Rapids_._: .:.."'es'e.:4;4...,:0 _ s. v Aog x I t c a , a 8855 Quince St. NW 2270 112th Lane NW 3770 Mississippi Drive Tom and Michele Sorman Marilyn Adams Ann Marie Hamel Lancaster Kitchen remodel Kitchen and bathroom remodel, and Jake Lancaster converted 3 season porch to year-round living space Kitchen and bathroom remodel Tom and Michele Sorman have Marilyn Adams dreamed of Anne Marie and Jake Lancaster lived in their 1954 rambler for having an open floor plan in the purchased their 1974 walk-out 27 years. While raising three kids main living area of her split-entry rambler a year ago and were it felt cramped at times,but now home. She loved her neighbors excited to make improvements to the home is the perfect size again and didn't want to move,so she the home!The kitchen and for just the two of them!They decided remodeling was the best bathroom were the first projects love their neighborhood,so they option!Marilyn re-designed her they tackled,along with some decided to remodel and stay put existing space to be more open other needed improvements. rather than move. and added living space. The Lancaster's project includes: The Sorman's improvements Marilyn's improvements include: • Columns added at the front include: • A completely remodeled entrance of the home&new • Complete kitchen remodel kitchen,with re-configured landscaping including the removal of a space featuring a large island • Complete kitchen remodel wall that divided the kitchen • New appliances &quartz featuring quartz countertops from the dining room countertops &glass mosaic tile backsplash • Beautiful cherry kitchen • Custom cabinetry including a • A new mud room area with cabinets with under cabinet large pantry with pull-out additional storage lighting&electrical outlets shelving (a favorite feature) • Gas fireplace • Closet converted to a • Full bathroom remodel with • Full bathroom remodel bar/buffet area tile surround&double sinks • New doors,moulding& • New hardwood floors,stone • Three-season porch convert- hardware throughout the tile backsplash&more ed into a year-round addition home 90th Ave th `ve , 115th Ave fi 113th Ave \ in 112th Ln 13 m o.. —A— a, 'e 114th Ln J .r 89th Ave 2 '17 wl� 'a SW Ile 3 5 (0' 112th Ave to • 88th Ln a Mississippi Dr )me Remodeling Tour _ __ __ .,., .,.. , _ f i \ ,i l.. 3 �.,.. *. It' x i I r L . u a0 t LIP4t I . J , a M fi r- x 13020 Crooked Lake Blvd. 1938 127th Circle NW 12257 Larch Circle NW Zach and Jamie Bartlett Larry and Karlyn DeForrest Dan and Kari Rehrauer Entire home remodel Extensive lower level remodel Room addition on back of home Please note:park on north side of house on 127th *Parking on the east side of the street only Lane and enter/exit through the lower level sliding glass door located at the back of the house Zach and Jamie Bartlett bought Larry and Karlyn DeForrest built Dan and Kari Rehrauer love the their home one year ago and love their home in 1986 and always open feel of their home,especially the location on Crooked Lake! It wanted to finish the basement. with the unique vaulted living was an older home with an The Home for Generations II room open to the kitchen and awkward floor plan,so they program was just the inspiration dining room above. But after decided to make the space more they needed.They are thrilled living in the home for awhile, functional. with the results and look forward they discovered the layout was The Bartlett's project includes: to entertaining in the new space. loud and there was no escape • Removing walls on the main The DeForrest's basement from the noise.The solution: tear level of the home to open up remodel includes: out a three season porch and the living space • A new bathroom featuring a build a new family room? • Built-in cabinets in the living tile shower with glass doors The Rehrauer's remodel includes: room • Customized bar area • A 16'x 16'family room • An extensive kitchen remodel featuring quartz countertops addition featuring lots of with new hardwood floors &lots of storage natural light,fireplace, • Large center island with • Space for a game table vaulted ceiling&French granite countertops • Entertainment/family room doors • A mud room with lots of area featuring built-in • Updated carpet&lighting storage cabinets fixtures throughout the home • A re-built attached 3-stall • Three-sided gas fireplace • A new office which was garage with a future bonus visible from all areas of the created by closing off a wall room &bathroom above it lower level of a previous"bonus" room a 2' 123rd Ave v u Crooked J > d/P`rf u v! Lake d co 128th Ave m . a+ c 131st Ave tJ co G 127th Ln *,�4(;; 121st Ln s G L 008 121 t Ave -e 127th Ave 9c,ve AkuOOl v PRSRT STD RAPIDS U.S. Postage Minnesota PAID City of Coon Rapids TWIN CITIES, MN 11155 Robinson Drive Permit No. 29418 Coon Rapids, MN 55433 Other Home Resources Offered by the , .4P 2 /■iiirchipriN City of Coon Rapids: HOME FOR GENERATIONS Remodeling Advisor Visits offer FREE professional advice to help homeowners plan their dream City of Coon Rapids remodel. Call the Center for Energy and Environment (CEE) at 612-335-5856 or visit P p121 i� www.mncee.org. ase Home Improvement Loans can help finance any remodeling project. For more information,contact the Center for Energy and Environment at 612-335-5884, email loaninfo @mncee.org or visit The Home for Generations II program provides www.mnlendingcenter.org. incentives to homeowners who invest in large home improvement projects. Down Payment Assistance (ReGenerations Program) is available to homebuyers when purchasing Program Guidelines: a home in need of renovation.Up to$6,000 is Your project must be valued at$35,000 or more and available by using an FHA 203(k) mortgage.You do not • add living space or be a major remodel such as need to be a first time home buyer.A minimum of kitchen and bathroom remodels,moving or $10,000 in renovation work is required to receive the removing walls to change the layout,etc. assistance. For more information,email Cheryl at Home must be at least 20 years old cbennett @coonrapidsmn.gov or call 763-767-6422. •• No income limits The Zero Interest Home Rehabilitation Deferred Loan is available for low to moderate income homeowners. It Program Benefits: provides funding for improvements needed to meet • Grants up to$5,000 for eligible projects minimum housing standards.Contact the • Building permit fee rebates HousingResourceTMCenter at 651-486-7401 or visit • Subsidized consultations with architects www.gmhchousing.org. • 4.5%fixed interest financing available (up to $50,000) through the Coon Rapids Mortgage Assistance Foundation Also. . . Don't miss the Public Works Open House Event! To learn more, visit www.coonrapidsmn.gov Saturday,May 14 - 10 a.m. - noon call Kristin at 763-767-6517 or email 1831-111th Avenue NW kdegrande @coonrapidsmn.gov. Come tour the Public Works facility? See the snowplows,tractors and other"big rigs."Learn about the Recycling Center and other services. Free event. Held rain or shine. Community strength...for generations HOME FOR GENERATIONS Home for Generations II City of Coon Rapids Home Improvement Application Your Information NAME ADDRESS HOME PHONE CELL PHONE EMAIL ADDRESS SIGNATURE(S)FOR ALL PERSONS LISTED AS AN OWNER OF THIS PROPERTY-CERTIFYING THAT ALL INFORMATION PROVIDED ON THIS APPLICATION IS TRUE AND ACCURATE. ***Please submit only pages 1 &2 to the City- keep pages 3& 4 for your records*** House Type ❑ Single Family house ❑Townhome ❑ Condominium ❑Twinhome ❑ Other: Eligibility Requirements (all conditions must be met to be eligible): ❑ I own and live in the house to be remodeled El My house has homestead status with Anoka County property records ❑ My house is at least 20 years old and was built in (year built) ❑ I have not yet begun my home improvement projects. **projects started prior to submitting this application with the City and receiving approval(signing the participation agreement,step 9)to participate in this program will not be eligible for funding. Eligible Improvements The goal of the Home for Generations II program is to encourage homeowners to make large,value-added improvements to their homes. ❑ I expect that my proposed home improvement projects will total $35,000 or more. **the City's Building Inspections Department will verify bid amounts and/or material lists provided to ensure their value meets the minimum required. All types of improvement projects are eligible for this program and will be counted towards your total project cost, but at least one of the following value-added projects must be included in your scope of work: ❑ Building an addition on to my home ❑ Major bathroom remodel ❑ Finishing an unfinished basement ❑ Major basement remodel ❑ Finishing an unfinished attic space ❑ Adding a new bathroom ❑ Converting a garage into livable space ❑ Moving or removing walls to change the ❑ Constructing a covered front porch layout of my home ❑ Major kitchen remodel [. $IOME FOR GENERATIONS Home for Generations II-Home Improvement Program City of Coon Rapids Page 2 of 4 Project Funding This program is funded jointly between the City's Housing and Redevelopment Authority (HRA) and the Coon Rapids Mortgage Assistance Foundation. The maximum grant amount offered through this program is$5,000, but the amount you are specifically eligible for depends upon your total project cost and the type of projects completed. Higher grant amounts will be offered to those projects that increase the curb appeal of the home, therefore providing aesthetic benefit to the entire neighborhood. If your project includes two or more eligible exterior upgrades (see below for examples),your grant would equal 10%of your total project cost (not to exceed $5,000). If your project does not include two or more eligible exterior upgrades,or if your project includes interior improvements only,your grant would equal 5%of your total project cost (not to exceed $2,500). Additionally,your Building Permit Rebate will equal 50%of the total amount spent on permits (building, mechanical, electrical, plumbing, plan review, etc)for your entire project. All funds will be available on a first come,first served basis. Funds will be reserved for your project once you sign the Participation Agreement with the City(step 9). Eligible Exterior Upgrades In order to maximize your grant amount,you must include two or more eligible exterior upgrades as part of your home improvement project to enhance curb appeal, such as: El Altering the roofline on the front of the house ❑ Constructing columns at the front entrance ❑ Building a covered front porch ❑ Adding shakes, brick or stone on the front of the home ❑ Replacing and upgrading the front door and/or garage door if they face the street ❑ Landscaping (landscape design consultation required) ❑ Other elements as approved before signing the Participation Agreement ** Replacement of windows, siding, roofing, driveways, and other similar replacement items will not be considered as eligible exterior upgrades, but they will count towards your total project cost. Project Financing The grant and rebate offered through this program will cover only a small portion of your total project cost. How do you intend to finance the balance of your total project? ❑ City of Coon Rapids Home for Generations 11 low-interest loan (optional -you are still eligible for the grant and rebate even if you don't apply for this loan). This program offers loans up to$50,000 at a fixed rate of 4.5%interest. Homeowners may borrow up to 100%of the improved value of the property and take up to 20 years to repay. Two bids for your entire project are needed to apply for this funding. Please contact the Lending Center at the Center for Energy and Environment (CEE) to begin the application process to determine if you can qualify for the loan amount needed for your desired project(s). For more information, contact 612-335-5884, e-mail loaninfo @mncee.org, or visit www.mnlendingcenter.org. ❑ Loan or line of credit from your bank or credit union ❑ Savings ❑ Refinancing my home ❑ Other: �4,/ ...4411111111E1F;41. - HOME FOR GENERATIONS Home for Generations II-Home Improvement Program City of Coon Rapids Page 3 of 4 Application Process ❑ Step 1: Schedule a FREE Remodeling Advisor visit(optional). This free service is available to all Coon Rapids homeowners and includes a construction specialist visiting your home to give you un-biased advice about your home improvement projects, provide you an idea of project costs, help you to prioritize your work, and make you better prepared for your consultation with an architect(step 3). To schedule your Remodeling Advisor visit, please call CEE at 612-335-5856. ❑ Step 2: Submit application to the City. The City needs to verify that you and your property are eligible to proceed in this program. ❑ Step 3: Schedule your 2 hour Design Consultation with an Architect(required). Recognizing that this program is encouraging large remodeling projects,the City is subsidizing the — -cost for each homeowner to consult with an architect. This visit will ensure all aspects of your project have been considered, increase your home's functionality, and make sure your remodel project will fit seamlessly with your existing home. Before meeting with your architect, make a list of the projects you would like included in your remodel. Maybe even sketch them out. Give some thought about your budget. All of the participating architects have their information available on the City's website at http://www.coonrapidsmn.gov/558/Select-an-Architect-Landscape-Architect. Research the options, contact them to ask questions about their work, select the architect with whom you would , like to meet and call them to schedule your 2 hour, at-home consultation. If you are doing land- scaping as part of your project and you are including f'` " I lA MInnesota it as one of your eligible exterior upgrades you are ��`' also required to complete a 2 hour, at-home 1= A Society of The American Institute of Architects consultation with a participating landscape architect. For each of these visits,you will be required to pay$25 directly to the architect/landscape architect at the time of their visit. The City, in partnership with the Coon Rapids Mortgage Assistance Foundation, the American Institute of Architects (AIA) Minnesota and American Society of Landscape Architects Minnesota, will pay the remaining cost of$225. You are limited to one architectural consultation and one landscape consultation. You are not required to have the architect draw plans for you, but if you choose to do so,that cost will be your own responsibility and cannot be financed through the program's loan. ❑ Step 4: Determine your final project list. Whether you hire an architect to draw some blue prints (at a cost to you), or you decide on your own what projects you want to have done, you should have something in writing before meeting with contractors. With a plan in hand,you will be able to present a contractor with more specific information so they can provide you with a more accurate bid/estimate. ❑ Step 5: Apply for and secure your financing. The grants & rebates through this program will only fund a small portion of your total project cost. If you need financing,you should start to apply for financing now and get pre-approved so you know for how much you can qualify. You are not required to use the financing through this pro- gram. You can use savings, a loan or line of credit from your bank or credit union, refinance on your home, or other options. If you apply for a Home for Generations I/low-interest loan,you must submit two bids for your projects and funds are disbursed upon completion of work. Contact the Lending Center at the Center for Energy and Environment if you would like more information about the 4.5% loan at 612-335-5884, loaninfo @mncee.org,or www.mnlendingcenter.org. °HOME FOR GENERATIONS Home for Generations II-Home Improvement Program City of Coon Rapids Page 4 of 4 ❑ Step 6: Collect bids from contractors(or material lists for do it yourself projects**). It is always a good idea to get at least 2 or 3 bids for each of your projects to ensure you are getting a good value. Two bids will be required if you are applying for the City loan through this program. For any work you plan to do yourself, you must obtain a materials list with prices from the home improvement stores and/or suppliers from which you plan to purchase your materials. **please contact the City's Building Inspections Department to inquire about what projects you are allowed by the State's Building Code to do yourself. ❑ Step 7: Select your contractor and submit copies of selected bids to the City. You can select whichever contractor you would like to hire. The City will review all submitted contractor bids and/or material lists to review for program eligibility and verify project value. ❑ Step 8: Submit your plans to the Building Inspections Department for review&apply for permits. If you are hiring a contractor, they should do this step. Please allow up to two weeks for plan review to occur, depending upon the time of year. Demolition permits can be issued prior to the completion of plan review. You may contact Building Inspections at 763-767-6476 with any questions regarding permits or the plan review process. ❑ Step 9: Sign Participation Agreement with the City. Once all of your paperwork has been submitted and your building permits issued (approved, paid for and picked up),you will be contacted to schedule a time to come in to City Hall and sign your Participation Agreement. At this time,the funds will be considered to be reserved for you and �.•.«x your projects. Your grant and rebate amounts will be determined at this time and cannot be increased after this date. ❑ Step 10: Schedule with your contractor to begin work. All work must be complete within 180 days of signing the Participation Agreement. ❑ Step 11: Complete work and have all permitted work inspected and approved. ❑ Step 12: Schedule a final walk-through with the City(separate from Building Inspections). This walk-through will verify that the scope of work completed included eligible projects only and did not substantially change from your original proposal submitted. ❑ Step 13: Grants and Building Permit Rebates will be disbursed to you. Final invoices from contractors or receipts from suppliers will need to be submitted to verify final project amounts. Once this information is received,grant and rebate requests will be processed. Please allow 7-30 days to process your request. Your check will then be mailed to you directly. ❑ Step 14: Consider showcasing your new remodeling projects. The city of Coon Rapids would like to showcase some of these exceptional remodeling projects in an annual Home Remodeling Tour. City Staff may contact you in the future about this or other options to document your remodeling project. Questions? Please contact Kristin at 763-767-6517 or kdegrande@coonrapidsmn.gov. 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