8.1. HRSR 12-07-2020 �J
etyof
ElkRequest for Action
River
To Item Number
Housing and Redevelopment Authority =8.1
Agenda Section Meeting Date Prepared by
Work Session December 7, 2020 Colleen Eddy, Economic Development Specialist
Item Description Reviewed by
Center for Environment and Energy (CEE) Programs Cal Portner, City Administrator
Discussion Reviewed by
Action Requested
Receive information on the various programs offered through CEE.
Background/Discussion
Jim Hasnik,Director of Lending Services at CEE,will discuss the various programs offered through CEE to
better understand how the HRA can increase participation in its loan program and to discuss possible program
modifications.
Financial Impact
N/A
Mission/Policy/Goal
The goal of the HRA is to improve existing housing stock by offering incentives or programs to repair and
maintain residential properties.
Attachments
■ HRA Rehab Loan Program Policy
■ CEE Programs Presentation
The Elk River Vision
A Y�elcoming community nvith revolutionary and spirited resourcefulness, exceptional P U W E H E o s r
service, and community engagement that encourages and inspires prosperity ,g /` UR
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CENTER FOR ENERGY AND
ENVIRONMENT
Minneapolis, MN
Jim Hasnik
Director of Lending Services
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Center for Energy and Environment
Lending Center Staff
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Jim Hasnik Sondra Breneman Jackie Flom Stephen Hines DeShaun James
Director of Lending Services Senior Loan Officer Loan Services Assistant Senior Loan Officer Loan Office,
LeAnne Karras Marco Landoni Cristina Lussio Lecam Trang Brenda Yaritz
Senior Loan Officer Loan Servicing Specialist Loan Services Supervisor Loan Servicing Processor Lending Supervisor
cee•• Pg. 2
Center for Energy and Environment
Lending Center Partners
• CEE administers programs in partnership with :
MN Department of Commerce
MN Housing Financing Agency
17 Cities
Anoka, Blaine, Brooklyn Center, Brooklyn Park, Champlin, Coon
Rapids, Crystal, Elk River, Fridley, Minnetonka, Mounds View,
New Hope, Richfield, Roseville, St. Paul, St. Louis Park and
Minneapolis
Ramsey County
Utilities
CenterPoint Energy, Xcel Energy and Great River Energy
cee
Center for Energy and Environment
Elk River Loan Activity
• Closed 2 city loans for $40,252 .22 in 2019
• No city loans closed in 2020
• Closed 3 CEE Loans (EZPAY, Solar and Home
Improvement) in 2020 for $28,459. 55
• Closed 5 MHFA loans for $92 , 580 in 2020
• Currently have 1 loan in process
cee
Center for Energy and Environment
Elk River Loan Program
• 4%
• $5, 000 to $ 15, 000 up to 10 years
• $ 15, 001 to $25, 000 up to 15 years
• Property must be at least 20 years old
• Debt to Income Ratio of 43%
• Loan to Value Ratio of 100%
• No Income Limits
cee '
Center for Energy and Environment
Energy Programs
Funded by MN Department of Commerce, CEE, City of
Minneapolis & MHFA
Financing can be used for Energy Efficiency Projects such as:
HVAC, Heat Pumps
Water Heating
Windows / Exterior Doors
Insulation and Air Sealing
Rates range from 0% - 3.75% (adjusted quarterly)
Up to $15,000 and up to 10 year term
Debt to Income Ratio 48%
Loan to Value Ratio 110% for secured loans
No Income Limits
cee ; t
Center for Energy and Environment
Solar Program
Funded by CEE and MN Department of Commerce
Rates from 2.5% - 4.5% (determined by credit score and loan
term)
Up to $50,000
Up to 15 year term
Debt to Income Ratio of 43%
Loan to Value Ratio of 100%
No Income Limits
cee Dg.
Center for Energy and Environment
CenterPoint EZPAY Loan Program
Financing can be used for Energy Efficiency Projects such as:
HVAC
Water Heating
Insulation and Air Sealing
4.5%
Up to $20,000 and up to 10 year term
No Debt to Income or Loan to Value Ratio requirements
No Income Limits
Minimum credit score requirement of 600
cee ;
Center for Energy and Environment
Home Improvement Programs
• Home Improvement
Funded by CEE and MHFA
Rates range from 2% - 3.75%
Up to $50,000
Up to 20 year loan terms
Rates range from 0% - 3.75%
Debt to Income Ratio of 48% (MHFA), 43% (CEE)
Loan to Value Ratio of 110% (MHFA), 100% (CEE)
MHFA income limit of $154,600 (qualifying income) and no
income limit for CEE Program
Unsecured options available
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Center for Energy and Environment
Commercial Loan Programs
• Up to $100,000
• Up to 10 year loan terms
• For-profit entities
Rates from 1 % - 5.99%
• Non-profit entities (501 c3)
0% loan for Xcel OSES Lighting Projects
• Eligible projects include upgrades to:
Geothermal
Lighting technology
HVAC controls
Refrigeration equipment
Envelope air sealing and insulation
Solar
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Center for Energy and Environment
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THAN
V
Jim Hasnik
6
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Center for Energy and Environment