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7.2. HRSR 04-01-2019 The Elk River Vision A welcoming community with revolutionary and spirited resourcefulness, exceptional service, and community engagement that encourages and inspires prosperity Request for Action To Housing and Redevelopment Authority Item Number 7.2 Agenda Section General Business Meeting Date April 1, 2019 Prepared by Amanda Othoudt, EDD Item Description HRA Housing Rehabilitation Loan Program Reviewed by Cal Portner, City Administrator Reviewed by Action Requested Receive update on the Rehabilitation Loan Program Background/Discussion Each month, the HRA will receive an update regarding new applications received by The Center for Energy and Environment (CEE), the status of existing applications, and an updated monthly loan report. Under the contract, the HRA will not need to approve each loan application prior to the start of a project as done previously. CEE has had six HRA Rehabilitation Loan Program contacts since February 25, 2019. They received their first application on March 13 and are working with the applicant on income verification. The transfer of the old portfolio is complete and the data is integrated with both the lending platform and servicing software. Welcome packages were sent to all borrowers and they are already receiving enrollments in auto-pay and online access. The city’s finance director has kept CEE updated on payments received at our office and things seem to be moving along very smoothly. Financial Impact The total 2019 program budget is $117,854. This allocation includes $67,854 that has revolved from the program since its inception and $50,000 budgeted for 2019. Attachments  CEE Monthly Loan Reports CEE SERVICING REPORT TYPE:AGING DELINQUENCY REPORT REPORT DATE:3/27/2019 REPORT PERIOD:3/01/2019 TO 3/27/2019 CITY / INVESTOR:ELK RIVER CLIENT NUMBER:8 REPORT SUMMARY STATUS LOAN COUNT PAST DUE AMOUNT 15+ DPD Loan 1 160.04$ 30+ DPD Loan 1 278.05$ Current Loan 11 -$ Grand Total 13 438.09$ AGING DELINQUENCY DETAIL PER ACCOUNT AS OF 3/27/2019 LOAN #BORROWER 1 BORROWER 2 ADDRESS CONTRACT DATE LOAN AMOUNT DAYS PAST DUE AMOUNT PAST DUE AMOUNT PAST DUE 30+PRINCIPAL BALANCE LOAN SUB STATUSLAST PAYMENT DATELAST PAYMENT AMOUNTNEXT DUE DATE 19-015206 JESSICA GADACH LYNN GADACH 870 VERNON AVE ELK RIVER MN 55330 12/27/2018 25,000.00$0 -$-$24,368.97$Current Loan 2/27/2019 400.00$4/1/2019 19-015208 WILLIAM HOOPS DENISE HOOPS 806 HOLT AVE NW ELK RIVER MN 55330 9/10/2017 24,645.00$0 -$-$22,684.42$Current Loan 2/25/2019 176.18$4/1/2019 19-015209 LARRY KRIEG NANCY KRIEG 609 GATES AVE NW ELK RIVER MN 55330 9/22/2017 19,665.00$0 -$-$16,942.47$Current Loan 2/28/2019 200.00$4/1/2019 19-015210 SAMUEL MAHON AUDREY MAHON 501 6TH ST ELK RIVER MN 55330 10/22/2015 5,837.00$0 -$-$1,888.72$Current Loan 3/25/2019 100.41$5/1/2019 19-015211 LINDA MCCLELLAN DANIEL MCCLELLAN 810 JACKSON AVE NW ELK RIVER MN 55330 10/31/2017 6,534.00$0 -$-$4,862.60$Current Loan 3/1/2019 115.24$4/1/2019 19-015212 SHAWN MENNING DEBORAH MENNING 525 8TH ST NW ELK RIVER MN 55330 8/3/2015 18,657.00$0 -$-$12,457.24$Current Loan 3/12/2019 173.77$4/1/2019 19-015213 JEROME OLESEN BARBARA OLESEN 420 MAIN ST ELK RIVER MN 55330 9/2/2015 25,000.00$0 -$-$20,233.47$Current Loan 3/15/2019 175.67$4/1/2019 19-015214 SCOT SANDHOEFNER KRISTEN SANDHOEFNER 730 JACKSON AVE NW ELK RIVER MN 55330 8/2/2017 25,000.00$0 -$-$21,251.49$Current Loan 3/15/2019 250.00$5/1/2019 19-015215 MARLIN STIMPSON VICKY STIMPSON 606 JEFFERSON LN NW ELK RIVER MN 55330 8/3/2015 20,650.00$0 -$-$13,601.88$Current Loan 3/22/2019 192.33$5/1/2019 19-015216 CHAD SWENSON JAYME SWENSON 602 GATES AVE NW ELK RIVER MN 55330 9/3/2015 25,000.00$0 -$-$20,138.17$Current Loan 3/4/2019 176.00$4/1/2019 19-015217 KYLE TORFIN 1811 MAIN ST ELK RIVER MN 55330 5/4/2018 21,640.00$0 -$-$20,756.83$Current Loan 3/1/2019 162.79$4/1/2019 19-015204 TRACY CUNNINGHAM ERIN CUNNINGHAM 1420 5TH ST NW ELK RIVER MN 55330 1/25/2017 22,069.00$26 160.04$-$17,874.66$15+ DPD Loan 2/27/2019 210.00$4/1/2019 19-015207 MATT HICKS CAROL HICKS 1205 4TH ST NW ELK RIVER MN 55330 3/13/2016 25,000.00$54 278.05$102.38$21,138.70$30+ DPD Loan 2/5/2019 180.00$4/1/2019 DocuSign Envelope ID: F79A4603-F6C6-4E92-B80F-588706A52B81 Certificate Of Completion Envelope Id: F79A4603F6C64E92B80F588706A52B81 Status: Completed Subject: Elk River Aging Delinquency Report Source Envelope: Document Pages: 1 Signatures: 0 Envelope Originator: Certificate Pages: 4 Initials: 0 Marco Landoni AutoNav: Enabled EnvelopeId Stamping: Enabled Time Zone: (UTC-06:00) Central Time (US & Canada) 212 3rd Avenue North Minneapolis, MN 55401 mlandoni@mncee.org IP Address: 65.121.0.34 Record Tracking Status: Original 3/27/2019 8:30:31 AM Holder: Marco Landoni mlandoni@mncee.org Location: DocuSign Signer Events Signature Timestamp In Person Signer Events Signature Timestamp Editor Delivery Events Status Timestamp Agent Delivery Events Status Timestamp Intermediary Delivery Events Status Timestamp Certified Delivery Events Status Timestamp Amanda M Othoudt AOthoudt@elkrivermn.gov Security Level: Email, Account Authentication (None), Access Code Using IP Address: 172.58.35.30 Sent: 3/27/2019 8:34:25 AM Viewed: 3/27/2019 8:36:08 AM Electronic Record and Signature Disclosure: Accepted: 3/25/2019 1:49:11 PM ID: 7b67470c-67ec-4b25-8725-ad9a3aa20ad1 Carbon Copy Events Status Timestamp Notary Events Signature Timestamp Envelope Summary Events Status Timestamps Envelope Sent Hashed/Encrypted 3/27/2019 8:34:25 AM Certified Delivered Security Checked 3/27/2019 8:36:08 AM Completed Security Checked 3/27/2019 8:36:08 AM Payment Events Status Timestamps Electronic Record and Signature Disclosure ELECTRONIC RECORD AND SIGNATURE DISCLOSURE From time to time, Center for Energy and Environment (we, us or Company) may be required by law to provide to you certain written notices or disclosures. 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Electronic Record and Signature Disclosure created on: 6/17/2016 9:43:53 AM Parties agreed to: Amanda M Othoudt How to contact Center for Energy and Environment: You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows: To contact us by phone call: 612-335-5884 To contact us by email send messages to: loaninfo@mncee.org To advise Center for Energy and Environment of your new e-mail address To let us know of a change in your e-mail address where we should send notices and disclosures electronically to you, you must send an email message to us at loaninfo@mncee.org and in the body of such request you must state: your previous e-mail address, your new e-mail address. We do not require any other information from you to change your email address.. 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CEE SERVICING REPORT TYPE:P&I COLLECTION REPORT DATE:3/25/2019 REPORT PERIOD:3/01/2019 TO 3/25/2019 ACCOUNT DETAIL LOAN #PORTFOLIO BORROWER NAME CO-BORROWER NAME STREET ADDRESS CITY STATE ZIP CODE TYPE INT RATE CONTRACT DATE MATURITY DATE LOAN AMOUNT TERM UPB REM TERM 19-015204 ELK RIVER RESIDENTIAL TRACY CUNNINGHAM ERIN CUNNINGHAM 1420 5TH ST NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 2.50 1/25/2017 1/1/2027 22,069.00$120 17,874.66$95 19-015206 ELK RIVER RESIDENTIAL JESSICA GADACH LYNN GADACH 870 VERNON AVE ELK RIVER MN 55330 SECURED BY REAL ESTATE 4.00 12/27/2018 12/1/2028 25,000.00$120 24,368.97$118 19-015207 ELK RIVER RESIDENTIAL MATT HICKS CAROL HICKS 1205 4TH ST NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 3.25 3/13/2016 3/1/2031 25,000.00$180 21,138.70$145 19-015208 ELK RIVER RESIDENTIAL WILLIAM HOOPS DENISE HOOPS 806 HOLT AVE NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 3.50 9/10/2017 9/1/2032 24,645.00$180 22,684.42$163 19-015209 ELK RIVER RESIDENTIAL LARRY KRIEG NANCY KRIEG 609 GATES AVE NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 2.75 9/22/2017 9/1/2027 19,665.00$120 16,942.47$103 19-015210 ELK RIVER RESIDENTIAL SAMUEL MAHON AUDREY MAHON 501 6TH ST ELK RIVER MN 55330 SECURED BY REAL ESTATE 1.25 10/22/2015 11/1/2020 5,837.00$60 1,987.37$21 19-015211 ELK RIVER RESIDENTIAL LINDA MCCLELLAN DANIEL MCCLELLAN 810 JACKSON AVE NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 2.25 10/31/2017 11/1/2022 6,534.00$60 4,862.60$45 19-015212 ELK RIVER RESIDENTIAL SHAWN MENNING DEBORAH MENNING 525 8TH ST NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 2.25 8/3/2015 8/1/2025 18,657.00$120 12,457.24$78 19-015213 ELK RIVER RESIDENTIAL JEROME OLESEN BARBARA OLESEN 420 MAIN ST ELK RIVER MN 55330 SECURED BY REAL ESTATE 3.25 9/2/2015 9/1/2030 25,000.00$180 20,233.47$139 19-015214 ELK RIVER RESIDENTIAL SCOT SANDHOEFNER KRISTEN SANDHOEFNER 730 JACKSON AVE NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 2.75 8/2/2017 8/1/2027 25,000.00$120 21,251.49$102 19-015215 ELK RIVER RESIDENTIAL MARLIN STIMPSON VICKY STIMPSON 606 JEFFERSON LN NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 2.25 8/3/2015 8/1/2025 20,650.00$120 13,601.88$78 19-015216 ELK RIVER RESIDENTIAL CHAD SWENSON JAYME SWENSON 602 GATES AVE NW ELK RIVER MN 55330 SECURED BY REAL ESTATE 3.25 9/3/2015 9/1/2030 25,000.00$180 20,138.17$139 19-015217 ELK RIVER RESIDENTIAL KYLE TORFIN JENNIFER TORFIN 1811 MAIN ST ELK RIVER MN 55330 SECURED BY REAL ESTATE 4.25 5/4/2018 5/1/2033 21,640.00$180 20,756.83$171 264,697.00$218,298.27$ ACCOUNTS ENROLLED IN ONLINE ACCESS: LOAN #BORROWER NAME CO-BORROWER NAME ONLINE STATUS BILLING TYPE 19-015208 WILLIAM HOOPS DENISE HOOPS ACTIVE PAPERLESS BILLING 19-015211 LINDA MCCLELLAN DANIEL MCCLELLAN ACTIVE PAPERLESS BILLING 19-015213 JEROME OLESEN BARBARA OLESEN ACTIVE PAPERLESS BILLING ACCOUNTS ENROLLED IN ACH AUTO-PAY: LOAN #BORROWER NAME CO-BORROWER NAME AUTO-PAY ACTIVE BILLING TYPE 19-015208 WILLIAM HOOPS DENISE HOOPS YES PAPERLESS BILLING 19-015209 LARRY KRIEG NANCY KRIEG YES PAPER DocuSign Envelope ID: 8455E58B-FA47-4BBC-B5EF-16B086710966 Certificate Of Completion Envelope Id: 8455E58BFA474BBCB5EF16B086710966 Status: Completed Subject: Elk River HRA loan Program Update Report Source Envelope: Document Pages: 1 Signatures: 0 Envelope Originator: Certificate Pages: 4 Initials: 0 Marco Landoni AutoNav: Enabled EnvelopeId Stamping: Enabled Time Zone: (UTC-06:00) Central Time (US & Canada) 212 3rd Avenue North Minneapolis, MN 55401 mlandoni@mncee.org IP Address: 65.121.0.34 Record Tracking Status: Original 3/25/2019 1:18:38 PM Holder: Marco Landoni mlandoni@mncee.org Location: DocuSign Signer Events Signature Timestamp In Person Signer Events Signature Timestamp Editor Delivery Events Status Timestamp Agent Delivery Events Status Timestamp Intermediary Delivery Events Status Timestamp Certified Delivery Events Status Timestamp Amanda M Othoudt AOthoudt@elkrivermn.gov Security Level: Email, Account Authentication (None), Access Code Using IP Address: 172.58.40.175 Viewed using mobile Sent: 3/25/2019 1:31:41 PM Viewed: 3/25/2019 1:49:11 PM Electronic Record and Signature Disclosure: Accepted: 3/25/2019 1:49:11 PM ID: 7b67470c-67ec-4b25-8725-ad9a3aa20ad1 Carbon Copy Events Status Timestamp Notary Events Signature Timestamp Envelope Summary Events Status Timestamps Envelope Sent Hashed/Encrypted 3/25/2019 1:31:41 PM Certified Delivered Security Checked 3/25/2019 1:49:11 PM Completed Security Checked 3/25/2019 1:49:11 PM Payment Events Status Timestamps Electronic Record and Signature Disclosure ELECTRONIC RECORD AND SIGNATURE DISCLOSURE From time to time, Center for Energy and Environment (we, us or Company) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically through your DocuSign, Inc. (DocuSign) Express user account. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions, please confirm your agreement by clicking the 'I agree' button at the bottom of this document. Getting paper copies At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. For such copies, as long as you are an authorized user of the DocuSign system you will have the ability to download and print any documents we send to you through your DocuSign user account for a limited period of time (usually 30 days) after such documents are first sent to you. 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Consequences of changing your mind If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures. To indicate to us that you are changing your mind, you must withdraw your consent using the DocuSign 'Withdraw Consent' form on the signing page of your DocuSign account. This will indicate to us that you have withdrawn your consent to receive required notices and disclosures electronically from us and you will no longer be able to use your DocuSign Express user account to receive required notices and consents electronically from us or to sign electronically documents from us. All notices and disclosures will be sent to you electronically Unless you tell us otherwise in accordance with the procedures described herein, we will provide electronically to you through your DocuSign user account all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you. To reduce the chance of you inadvertently not receiving any notice or disclosure, we prefer to provide all of the required notices and disclosures to you by the same method and to the same address that you have given us. Thus, you can receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. 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Electronic Record and Signature Disclosure created on: 6/17/2016 9:43:53 AM Parties agreed to: Amanda M Othoudt How to contact Center for Energy and Environment: You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows: To contact us by phone call: 612-335-5884 To contact us by email send messages to: loaninfo@mncee.org To advise Center for Energy and Environment of your new e-mail address To let us know of a change in your e-mail address where we should send notices and disclosures electronically to you, you must send an email message to us at loaninfo@mncee.org and in the body of such request you must state: your previous e-mail address, your new e-mail address. We do not require any other information from you to change your email address.. In addition, you must notify DocuSign, Inc to arrange for your new email address to be reflected in your DocuSign account by following the process for changing e-mail in DocuSign. To request paper copies from Center for Energy and Environment To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must send us an e-mail to loaninfo@mncee.org and in the body of such request you must state your e-mail address, full name, US Postal address, and telephone number. We will bill you for any fees at that time, if any. To withdraw your consent with Center for Energy and Environment To inform us that you no longer want to receive future notices and disclosures in electronic format you may: i. decline to sign a document from within your DocuSign account, and on the subsequent page, select the check-box indicating you wish to withdraw your consent, or you may; ii. send us an e-mail to loaninfo@mncee.org and in the body of such request you must state your e-mail, full name, IS Postal Address, telephone number, and account number. We do not need any other information from you to withdraw consent.. The consequences of your withdrawing consent for online documents will be that transactions may take a longer time to process.. Required hardware and software Operating Systems: Windows2000? or WindowsXP? 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