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Agenda 06/14/2016 Item #16D 3 6/14/2016 16.D.3. EXECUTIVE SUMMARY Recommendation to approve the fifth substantial amendment to the NSP 1 Action Plan to replace recapture provisions with resale provisions for Collier County sold properties. OBJECTIVE: To amend the NSP 1 Action Plan to reflect grantor requirements to address the resale and recapture provisions. CONSIDERATIONS: The Board approved an agreement with the Department of Housing and Urban Development (HUD) to carry out the Neighborhood Stabilization Programs (NSP 1) in the amount of $7,306,755 on March 24,2009 (Agenda item 10E). The Board approved the initial NSP Action Plan for NSP 1 on November 28, 2008 (Agenda item 16D3). The Action Plan has been modified by the Board at various times to address changes in target areas and other programmatic changes. A revision is necessary to the NSP 1 Action Plan to ensure programmatic consistency with the associated homeowner documents and developer sold homes. The amendment changes the long term affordability mechanism for the Collier County—sold homes from recapture to resale. Under recapture provisions the County would receive a return of funds all or a portion provided to the buyer in the event of a resale. Under the resale provision the benefit is to the homeowner at a prescribed rate. The resale requirement states if the homebuyers determine that they no longer intend to use the property as their principal residence, resale restrictions will require them to sell the property to buyers who will use the property as their principal residence and who meet the income limits described in the lien and/or restrictive covenant on that property. The allowable return on the homebuyer investment is dependent upon the percentage change in the Consumer Price Index. This amendment to the NSP 1 Action Plan is allowable under the grant. The amendment will not increase or decrease the amount of grant funds or impact the budget for this project. FISCAL IMPACT: There is no fiscal impact for this amendment. LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority vote for Board approval. - JAB GROWTH MANAGEMENT IMPACT: The Neighborhood Stabilization Program facilitates the goals, objectives and policies set forth in the Housing Element of the Growth Management Plan. RECOMMENDATION: That the Board of County Commissioners approves the fifth substantial amendment to the NSP 1 Action Plan. Prepared By: Lisa Oien,Grants Coordinator,Community and Human Services Attachments: 1)Fifth Substantial Amendment NSP 1 2)Newspaper advertisement 2016 05-20 3)NSP 1 Original Substantial Amendment(Action Plan)2008 11-18 4)NSP 1 First Substantial Amendment 2010 04-27 5)NSP 1 Second Substantial Amendment 2012 02-28 6)NSP 1 Third Substantial Amendment 2014 07-08 7)NSP 1 Fourth Substantial Amendment 2015 06-23 Packet Page -834- 6/14/2016 16.D.3. COLLIER COUNTY Board of County Commissioners Item Number: 16.16.D.16.D.3. Item Summary: Recommendation to approve the fifth substantial amendment to the NSP 1 Action Plan to replace recapture provisions with resale provisions for Collier County sold properties. Meeting Date: 6/14/2016 Prepared By Name: OienLisa Title: Grants Coordinator,Community&Human Services 5/2/2016 8:50:37 AM Submitted by Title: Grants Coordinator,Community&Human Services Name: OienLisa 5/2/2016 8:50:39 AM Approved By Name: LopezMaggie Title: Supervisor-Accounting, Community&Human Services Date: 5/6/2016 3:24:14 PM Name: SonntagKristi Title:Manager-Federal/State Grants Operation,Community&Human Services Date: 5/12/2016 1:09:01 PM Name: TownsendAmanda Title:Division Director-Operations Support,Public Services Department Date: 5/16/2016 1:42:36 PM Name: AlonsoHailey Title: Operations Analyst,Public Services Department Date: 5/18/2016 4:22:48 PM Packet Page -835- 6/14/2016 16.D.3. Name: GrantKimberley Title:Division Director-Cmnty&Human Svc,Community&Human Services Date: 5/18/2016 11:47:43 PM Name: RobinsonErica Title:Accountant, Senior,Grants Management Office Date: 5/20/2016 3:24:18 PM Name: CarnellSteve Title:Department Head-Public Services,Public Services Department Date: 5/20/2016 3:50:34 PM Name:BelpedioJennifer Title:Assistant County Attorney, CAO General Services Date: 5/24/2016 3:11:18 PM Name: KlatzkowJeff Title: County Attorney, Date: 5/25/2016 1:03:07 PM Name: StanleyTherese Title:Manager-Grants Compliance, Grants Management Office Date: 5/27/2016 12:49:02 PM Name: CasalanguidaNick Title: Deputy County Manager,County Managers Office Date: 6/5/2016 9:53:06 AM Packet Page -836- 6/14/2016 16D.3. THE NSP SUBSTANTIAL AMENDMENT Jurisdiction(s): Collier County Jurisdiction NSP Contact Person: Kimberley Grant Address: 3339 Tamiami Trail E, Suite 211, Web Address: colliergov.net Naples, FL 341 12 Telephone: (239)252- 6287 Fax: (239) 252-2638 Email: kimberleygrant@colliergov.net The NSP1 Action Plan,approved by the Board of County Commissioners on February 28,2012 is hereby amended as follows: Words Struck-Through are Deleted;Words Underlined are added C. DEFINITIONS AND DESCRIPTIONS * * * (3) Describe how the grantee will ensure continued affordability for NSP assisted housing. Narrative Response: _ . • - a • , - . .. . ; .. .• . . -- •- • • .. - .. _ ' • . S . .. . • -. -- • . - • • . . . . - . - "_ . - .- , - .. . 6 . •_ 1, in-years The NSP Substantial Amendment(Action Plan) NSP Amendment 5 B-08-UN-12-0003 Page 1 of 4 Packet Page-837- 6/14/2016 16.D.3. Under $15,000 .. ........ 3 $15,000 to 4-0 $10,000.. ....... Over $10,0004-5 abeve, NSP 1 investment X Nct proceeds—NSP 1 to County homeowner investment X Net proceeds —amount to Long Term—Availability Affordability: For Developer an. Collier Sold Properties. 24 CFR 92.252(a), (c), (e), and (f), and 92.254 Homeownership: Long-Term Affordability: For Collier County sold properties The NSP 1 assisted housing must meet the affordability requirements for not less than the applicable period specified in the following table, beginning after project completion. These restrictions are a minimum and Collier County may elect to impose longer affordability periods. The per unit amount ofNSP 1 funds and the affordability period that they trigger are described below. - . _ ._ . . - - - • -, , . - . . Homeownership assistance NSP 1 amount per-unit Minimum period of affordability in years The NSP Substantial Amendment(Action Plan) NSP Amendment S B-08-UN-12-0003 Page 2 of 4 Packet Page -838- 6/14/2016 16.D.3. Under $15,000 .... ........ 5 $15,000 to 10 $40,000.. .... .... Over 15 $40,000 . . Resale: 24 CFR 92.252(a), (c), (e), and (f),and 92.254 Resale restrictions shall be implemented for every homebuyer propel iy constructed, redeveloped, or rehabilitated, in whole or in part, with NSP funds in the form of a development subsidy. A development subsidy consists of the difference between the cost of producing the unit and the fair market value of the property. If NSP funds are provided to the property it will be subject to a resale restriction. If the homebuyer determines that it no longer intends to use the property as its principal residence,resale restrictions require the homebuyer to sell the property to a family that will use the property as its principal residence and meets the income limits described in the lien and or restrictive covenant on that property. The house must be affordable to a range of new buyers in the target affordable range. The new buyer must occupy house as principal residence. The remaining resale restrictions apply to new buyer, for the period of affordability. * * * SIGNATURE PAGE TO FOLLOW The NSP Substantial Amendment(Action Plan) NSP Amendment 5 B-08-UN-12-0003 Page 3 of 4 Packet Page -839- 6/14/2016 16.D.3. ATTEST: BOARD OF COUNTY COMMISSIONERS OF DWIGHT E.BROCK,CLERK COLLIER COUNTY,FLORIDA By: ,Deputy Clerk ,CHAIRMAN Dated: (SEAL) Approved as to form and Iegality: Jennifer A.Belpedio Assistant County Attorney ? mac. `� 1)3 The NSP Substantial Amendment(Action Plan) NSP Amendment 5 B-08-UN-12-0003 Page 4 of 4 Packet Page-840- 6/14/2016 16.D.3. EQUAL HOUSING OPPORTUNITY Public Notice Collier County,Florida Notice of Substantial Amendment to the Neighborhood Stabilization Program(NSP 1) To the Collier County NSP1 FY 2008 Action Plan May 20,2016 The Collier County Community and Human Services Division has proposed a substantial amendment to the FY 2008-2009 NSP1 Action Plan for participation in the Neighborhood Stabilization Program 1 (NSP1). The NSP1 program was established by the Department of Housing and Urban Development (HUD) through the Community Block Grant (CDBG) Program under the Housing and Economic Recovery Act of 2008 (HERA), as amended and additional allocation of funds provided under the Wall Street Reform and Consumer Protection Act of 2010(Dodd-Frank Act). Collier County was allocated funding in the amount of$7,306,755 (NSP 1) to be used for the purpose of making neighborhoods not only more stable but also more sustainable, inclusive, competitive, and integrated into the overall metropolitan fabric, including access to transit, affordable housing, employers, and services. Eligible activities include but not limited to Acquisition and Rehabilitation, Land Bank, Demolition,Redevelop Properties as Housing, and Administration. The Neighborhood Stabilization Program guidelines stipulate that this federal funding is to be used to address the housing needs of low, moderate, and middle income persons. Moreover, not less than 25% of funding NSP1 ($1,826,688.70) in addition to any program income received will be used to serve the housing needs of persons and families whose incomes does not exceed 50 percent of the area median income. We are amending the NSP 1 Action Plan incorporating Collier County sold NSP homes into the resale provision section of the plan and deleting the recapture requirement. The resale requirement states if the homebuyer determines that they no longer intend to use the property as their principal residence, resale restrictions will require the homebuyer to sell the property to a family that will use the property as its principal residence and meets the income limits described in the lien and restrictive covenant on that property. The allowable return on the homebuyer investment is dependent upon percentage change in the Consumer Price Index. Copies of the plan can be picked up at 3339 Tamiami Trail,E. Suite 211Naples, Florida 34112. Public Comment Period: Citizen comment period for this amendment is fifteen (15) days from the date of this advertisement from May 20, 2016 to June 5,2016 regarding the proposed substantial amendment to the Collier County NSP 1 program. During this period, citizens may send written comments on this matter to Kimberley Grant, Director of Collier County, Florida at Collier County Community and Human Services 3339 Tamiami Trail East, Suite 211 Naples,Florida 34112 on or before June 5,2016. The County will respond to all written comments in writing,within 15 days of receipt. Collier County is an Equal Opportunity Employer. Collier County complies with the Fair Housing Act (42+U.S.C. 3600, et seq)and County Fair Packet Page -841-92.9. 6/14/2016 16.D.3. Final Action: This action will be on the June 14th agenda of the regular meeting of the Board of County Commissioners. Anyone who requires an auxiliary aid or service for effective communication, or other reasonable accommodations in order to participate in this proceeding should contact the Collier County Facilities Management Department located at 3335 Tamiami Trail East,Naples,Florida 34112 or(239)252-8380 as soon as possible, but no later than 48 hours before the scheduled event. Such reasonable accommodations will be provided at no cost to the individual. Publish date: Friday May 20,2016 Packet Page -842- 6/14/2016 16.D.3. ORIGINAL DOCUMENTS CHECKLIST & ROUTING SLIP 1 6 D 3 TO ACCOMPANY ALL ORIGINAL DOCUMENTS SENT TO THE BOARD OF COUNTY COMMISSIONERS OFFICE FOR SIGNATURE Print on pink paper.Attach to original document,Original documents should be hand delivered to the Board Orrice.The completed routine slip and original documents are to he forwarded to the Board Orrice only after the Board has taken action on the item.) ROUTING SLIP Complete routing lines#1 through#4 as appropriate for additional sipatures,dates,and/or Information needed.If the document is already complete with the exception of the Chairman's signature,draw a line through routing lines#1 through#4,complete the diecklist,and forward to Sue Filson(line#5). Route to Addressee(s) Office Initials Date (List in routing order) 1.Frank Ramsey Housing and Human Service I Zd/Ots 2. Chairman Tom Henning BCC 3. 4. 5. Sue Filson, Executive Manager Board of County Commissioners 6. Minutes and Records Clerk of Court's Office PRIMARY CONTACT INFORMATION (The primary contact is the holder of the original document pending BCC approval.Normally the primary contact is the person who created/prepared the executive summary.Primary contact information is needed in the event one of he addressees above,inclining Sue Filson.need to ccntacl staff for additional or missing information.All original documents needing the BCC Chairman's signature arc to be delivered to the BCC office only aper the BCC has acted to approve the item.) Name of Primary Staff Frank Ramsey,Housing Manager Phone Number 252-2336 Contact Agenda Date Item was 11/18/2008 Agenda Item Number 16D 3 Approved by the BCC Type of Document Amendment Number of Original 1 Attached Documents Attached INSTRUCTIONS &CHECKLIST Initial the Yes column or mark"N/A"in the Not Applicable column,whichever is Yes N/A(Not appropriate. (Initial) Applicable) 1. Original document has been signed/initialed for legal sufficiency.(All documents to be signed by the Chairman,with the exception of most letters, must be reviewed and signed by the Office of the County Attorney_This includes signature pages from ordinances, resolutions,etc.signed by the County Attorney's Office and signature pages from contracts,agreements,etc.that have been fully executed by all parties except the BCC Chairman and Clerk to the Board and possibly State Officials.) 2. All handwritten strike-through and revisions have been initialed.by the County Attorney's ��/�j n/a Office and all other parties except the BCC Chairman and the Clerk to the Board `r -- 3. The Chairman's signature line date has been entered as the date of BCC approval of the .�Jf document or the final negotiated contract date whichever is applicable. 4. "Sign here"tabs are placed on the appropriate pages indicating where the Chairman's signature and initials are required. 7-4 5. In most cases(some contracts are an exception),the original document and this routing slip should be provided to Sue Filson in the BCC office within 24 hours of l3CC approval. Some documents are time sensitive and require forwarding to Tallahassee within a certain . '6..— time frame or the BCC's actions are nullified.Be aware of your deadlines! 6. The document was approved by the BCC on 11/18/2008 and all changes made during the meeting have been incorporated in the attached document.The County Attorney's Office has reviewed the changes,if applicable. ``a I:Forms/County Forms/BCC Forms/Original Documents Routing Slip WWS C)riginul 9.03.04,Revised 1.26.05,Revised 2.24.05 Packet Page -843- 6/14/2016 16.D.3. 1603 November 18,2008 Maria Ortiz-Hill Director Community Planning and Development US Department of Housing and Development Division Brickell Plaza Federal Building 909 SE First Avenue Room 500 Miami, FL 33131-3042 RE: Notification of NSP Amendment to 2008-09 HUD Action Plan Dear Ms.Ortiz-Hill; The Collier County Board of County Commissioners (BCC) met on Tuesday, November 18, 2008, and considered the substantial amendment to our One Year Action Plan as directed by our approved Citizen Participation Plan. The amendment addresses how Collier County will program and expend the funds awarded in the Neighborhood Stabilization Program(NSP). This amendment was advertised in a local newspaper on October 20, 2008 and posted on the colliergov.net website for 15 days beginning on October 22, 2008. A 15-day public comment period advertising the proposed NSP amendment began on October 22, 2008 and closed on November 6,2008. The amendment was approved at the November 18,2008, regular meeting of the BCC. We believe this program will assist our citizens earning less than 120% of the median income to find decent,affordable housing utilizing existing properties that have been foreclosed. A listing of the strategies and proposed funding are attached for your records. Should you have any questions on this amendment., please contact Ms. Marcy Krumbine, Director of the Housing and Human Services Department at 239-252-4663 (HOME). Sincerely Tom Henning Chairman Collier County Board of County Commissioners Enclosure: Collier County Budget and Strategy Summary COLLIER COL:YTI'NSPALLOCATION i ',?06,155.00 Amount 1,, 50°u A\1I and Be1011 jt°a-1:0'°A\II Total I,t Activit;' Amount A1110111)1 Activity Plea nums and Administration _ S 730.675..::.0 S _...__ S • $ -;q t;-.0c.: Acgm-tion and RehiUtleartcar OF Forcdrsed Pryeruei fin'Retale $ 3 379 30.6 °0 i 2.149 030,00 ;..3 t„f.f_. Acgotstion 11.1 R }vtnh ItOst vi F ie o1 Pt peiriet tot ken I S 1.5-:!6.i...:.'4.5 $ S11.?:`-1:7.3 5 715..300.00 $ : 5 Ni3 24.7C Direct Honielnn•et A,si,raner to Acd,urc Foreclosed Prot cities S 400.000 30 S • $ 40.00,000 Si 45:3.0(..0.0C Hontebtq'er Educanon _ 5 70.000f;13 5 -- .S.0,c,00 S . .C.0 00 5 '+.rr'�C Demolition ofAcquu'edFc closed P:cperrtes $ 200.00.00s t^5.0GCtC'O 5 10.00.0 $ 20f.,0.;;(,) Laud Banking of Properties S .`00.000.0+0 S I••0.01; (0 S ? O.00.00 SI:O.r?GO 1)00 TOTALS S -,306,7515,00 S 1,8?".000.00 S .1.-49.030.00 S ",306.7 5.00 PERCENTAGE OF TOTAL ALLOCATIOS Packet Page-844 — '5.00°. 65.00°a __ 6/14/2016 16.D.3. 16n3 „::> APPLICATION FOR CMB Approved Nc. 3075-0006 Version 7/03 FEDERAL ASSISTANCE _2.DATE SUBMITTED Applicant Identifier 717-111.465F3.DATE RECEIVED BY STATE ,Stale Application Identifier — SUBMISSION: I ' Application Pre-application ..._.. .._._.......__., 4.DATE RECEIVED BY FEDERAL AGENCY ;Federal Identifier Construction Construction ?D..NoP'G.Gp3t! c.tQn---......_..----Non-Cpnetruplt4rr -----_. ... ---__....._._... I --...._.._ •5.APPLICANT INFORMATION ..._.. __ .....' O nlutional Unit: Legal Name. '�. _.......__...__... I Department' Collier County Housing and Human Services g -.— Division: 0tran99770nai DUNS: Public Services 07139977990 .�_._._._ .,.....__�.._ .._ Address:r Name and telephone number of person to be contacted on matters Street: Involvinithta application(plus area codel _ 3301 Tamtanii Trail E Prefix: -,First Name: —. Bonding.N ..... :Marcy . ..._..._._..._..._..._.. [City, Middle Name ;Naplea . .. .-. _ Iasi Npme County: rumbine _...__—..__w________. !Culrwr .. . _ �_..___........_.. i Suffix. g1oat Zip Code Florida 3112 _..,. ...._._ Country: Email: IUnited States marcykrurnbineftcolliergov nal ,a.EMPLOYER1IDENTIFICATION� �,� NUMBER(ElrN) Phone Number laiv.Brea coda) Fax Number(give wee code) r 5 111 s f"11 10 iEEJ — �._ 239 252.8442 239 252-2638 .8.TYPE OF APPLICATION: '7.TYPE OF APPLICANT: (See back of form for Application Types) V New ir; Continuation r RevIalon County if Revision,enter appropriate letters)in box(es) Other(speedy) (See back of form for description of letters) �� r-J — y OtherL 9.NAME OF FEDERAL AGENCY: I (specify} Housing and Urban Development _ 1d."CATALO OF FED D Eta I ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANTS PROJECT: Fiji]]IA—E j l Collier County Neighborhood Stabilization Program TITLE(Name of Program): L` i Neighborhood Stabilization Program 1 _.., 12.AREAS AFFECTED BY PROJECT(Cities,Counties.States.arc) � I Collier County i 14.CONGRESSIONAL DISTRICTS OF: 17.PROPOSED PROJECT _,_....—._._.......,......--..�_�._._....._,a.Applicant b.Pro}ecl I Start Date: Enditg Date: I aA 5p 14125 ;January 15,2009 July 30,2013 15.ESTIMATED FUNDING: 1a.I$APPLICATION SUBJECT TO REVIEW IllY STATE EXECUTIVE' _ _ ORDER 12372 PROS.�99i-,.,,.._ Ia Federal 3 —r a Yss.�/THrSPREAPPLICATIONIAPPLICATIONWAS MADE 7,906,755 AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 I -- —' `" PROCESS FOR REVIEW ON ib Applicant • 0 c.State -jA "'' DATE: f _ 0 ( t ! Local fir — o '�, M b No. It"i PROGRAM IS NOT COVERED BY E.0 12372 OR PROGRAM HAS NOT BEEN SELECTED BY STATE e.Other 0 r FOR REVIEW f Program income si t { !17.IS THE APPLICANT DELINQUENT ON ANY FEDERAL DBT?E 0 g.TOTAL 7.3.06,755 • n Yes If'Yes'attach an explanation. in No '. '171:to THE BEST OF MY HNC EDGE"ANO BELIEF,ALL DATA IN THIS APPLICATIONIPREAPPLICATION ARE'FRLJE AND CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACHED ASSURANCES IF THE ASSISTANCE 13 AWARDED. _ ...............___ .a a,:gospik,R4oresentattvs —_.----_.-_--- ......_........._._._.._.__ _-._.. _------_ f�llddle Name .ri. I First Name Tom Mr. • ___ _._ ._..._... Suffix `Last Name Henning ..__..-..__-...._.y.—.�.-..__ ......... h Title C.Tetephcnn Number NMI ams coda) Chairman,Board of County Cpni(Pissranera 41 239 252-8097 --i .4� c Date d Signature of Authorized Representative or .. t at Signedu ip� �je/i b aandU ... ..._.._... / ,. andard-arm 424_(Rev!i.2oQ . f�,ifhnr e1oion cal Re q reipedieautavialnlel K iclency A,r!hnr�tra]1n•t.vr;al RrmrerlliCM1Pri �� ATT'E3T: (I �� // DW1GIi- E.Bt3ROCK, <:IEffk t -r Colter n Greene, By: .� ?- ""QJ Assistant County Attorney Attest as to Chat ! _ Packet Page-845- 6/14/2016 16.D.3. 16D3 1 i o . ....G. 9 2 ., . eK) 2 3 — _ a cn g wa -6 < r. :1 6 u. -a m 01 64 ta al § g n 03 t' 2:7 ty 11 13 m . 6 z z 0) 64 ,, 4 0, I 1 to 4.. O -• P C O en °z rt. E .5. 2 a tn u, ......... ,,.. .•-• 1.1, C 4: 2 O 0 IC M I a 0 9 In To U * • 1 , W C ip., 0 715 , . 3 .-I 1 u) LL c Ca 174 Z .9 03 1 V g t2 Iii En _,.....6, Z F.la , I 0 0 ce ai D R 0 6 vi g III tfl 1,1 . < II' iii - tkr.2 kr) n: .,..-- -,-, -2, vzi ..c. 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I % \ IL /f 0 a u. § \ O vi w 0 - il i @ _ | _ _ $ # [ { ® ' ! § a ` � 2 8 r © k § § B ! § § & § - i - = ® L4,- a � � I k LU ! 0 L | 2 e . . k | § !\ , tu� k ^ � -I / , , . .1 = � , ] w a ! ■ . z W k � VI i ° 0. - I - , 0 tft ® ` L . ® U. & 2 o0 1 §f 0 ! 2Fcs Ill Di . k 11 I A / Lu� i i § E § ' ! iQ 2 1 1 | . !/ , ƒ 19 / ' . . ' t | k { � ` ik Uh !� ` o | \ ! H ® '. $ }\ .� ik I . % . o G. I ! f ) la /0 11-.4 L /• Q ) m 2 2 \ U. / \ . . . . \ ) \ § § - § § \ tri' \ \ f , 8 I !G !g . , ; � 1 ® - ...a . . ......... ... . ... . . . . . . . . Packet Page-847 6/14/2016 16.D.3. 16Q3 DM9 App•oval No.0348-0040 ASSURANCES-NON-CONSTRUCTION PROGRAMS [Public reporting burden for this collection of information Is estimated to average 15 minutes per response, including time for reviewing linstructions, searching existing data sources, gathering end maintaining the data needed,and completing and reviewing the collection u( !information. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden,to the Office of Management and Budget,Paperwork Reduction Project(0348-0040),Washington,DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET. SEND IT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. NOTE: Certain of these assurances may not be applicable to your project or program. If you have questions, please contact the awarding agency Further,certain Federal awarding agencies may require applicants to certify to additional assurances.If such is the case,you will be notified, As the duly authorized representative of the applicant,I certify that the applicant: 1. Has the legal authority to apply for Federal assistance Act of 1973, as amended (29 U.S.C. §794), which and the institutional, managerial and financial capability prohibits discrimination on the basis of handicaps; (d) • (including funds sufficient to pay the non-Federal share the Age Discrimination Act of 1975, as amended (42 of project cost)to ensure proper planning,management U.S,C. §§6101.6107), which prohibits discrimination and completion of the project described in this on the basis of age; (a) the Drug Abuse Office and application. Treatment Act of 1972 (Pt 92-255), as amended, relating to nondiscrimination on the basis of drug 2. Will give the awarding agency,the Comptroller General abuse; (f) the Comprehensive Alcohol Abuse and of the United States and, if appropriate, the State, Alcoholism Prevention, Treatment and Rehabilitation through any authorized representative, access to and Act of 1970 (P.L. 91-616), as amended, relating to the right to examine all records, books, papers, or nondiscrimination on the basis of alcohol abuse or documents related to the award; and wilt establish a alcoholism; (g) §§523 and 527 of the Public Health proper accounting system in accordance with generally Service Act of 1912(42 U.S.C.§§290 dd-3 and 290 ee accepted accounting standards or agency directives 3), as amended, relating to confidentiality of alcohol and drug abuse patient records: (h) Title VIII of the 3. Will establish safeguards to prohibit employees from Civil Rights Act of 1968(42 U.S.C.§§3801 et seq.),as using their positions for a purpose that constitutes or amended, relating to nondiscrimination in the sale, presents the appearance of personal or organizational rental or financing of housing; (I) any other conflict of interest,or personal gain. nondiscrimination provisions in the specific statute(s) under which application for Federal assistance is being 4. Will Initiate and complete the work within the applicable made; and, (j) the requirements of any other • time frame after receipt of approval of the awarding nondiscrimination statute(S) which may apply to the agency. application. 5. WIIl comply with the intergovernmental Personnel Act of 7 Will comply, or has already complied, with the 1970 (42 U.S.C. §§4728.4763) relating to prescribed requirements of Titles II and iii of the Uniform standards for merit systems for programs funded under Relocation Assistance and Real Property Acquisition one of the 19 statutes or regulations specified In Policies Act of 1970 (P.L. 91-646) which provide for Appendix A of OPM's Standards for a Merit System of lair and equitable treatment of persons displaced or Personnel Administration(5 C.F,R,900,Subpart F). whose property is acquired as a result of Federal or federally-assisted programs.These requirements apply 8. Wi11 comply with all Federal statutes relating to to all interests in real property acquired for project nondiscrimination, These include but are not limited to: purposes regardless of Federal participation in (a)Title VI of the Civil Rights Act of 1964(P.L. 88-352) purchases which prohibits discrimination on the basis of race,color or national origin; (b) Title IX of the Education 8. Wilt comply, as applicable, with provisions of (he Amendments of 1972,as amended(20 U,S.C. §§1881- Hatch Act (5 U.S.C. §§1501-1508 and 7324-7328) 1683,and 1685.1686).which prohibits discrimination on which limit the political activities of employees whose the basis of sex;(c)Section 504 of the Rehabilitation principal employment activities are funded in whole or in part with Federal funds. Pravlous Edition Usable Standard Form 4249(Rev,7.97) Authorized for Local Reproduction Prescribed by OMB Circular A-102 Packet Page -848 6/14/2016 16.D.3. 1 6 0 3 . 9. Will comply,as applicable,with the provisions of the Davis- 12. Will comply with the Wild and Scenic Rivers Act of Bacon Act(40 U.9,C.§§276a to 276a-7),the Copeland Act 1968 (16 LI S.C. §§1271 et seq.) related to protecting (40 U.S.C. §276c and 18 U.S.C. §874), and the Contract components or potential components of the national Work Hours and Safety Standards Act (40 U.S.C. §§327- wild and scenic nvera system. 333), regarding labor standards for federally-assisted construction subagreements. 13. Will assist the awarding agency In assuring compliance with Section 106 of the National Historic Preservation 10. Will comply, if applicable, with flood Insurance purchase Act ffi 9 8n as a pro ecd(16 of hS O. 70) E0es 1593 593 requirements of Section 102(a) of the Flood Disaster (i ), Protection Act of 1973 (P.L. 93-234) which requires the Archaeological and Historic Preservation Act of recipients in a special flood hazard area to participate in the 1974(16 U.S.0 §§469a-1 et seq.). program and to purchase flood Insurance if the total cost of insurable construction and acquisition is 510,000 or more 14. Will comply with P.L.93-348 regarding the protection of human subjects Involved in research,development,and 11, Will comply with environmental standards which may be related activities supported by this award of assistance. prescribed pursuant to the following: (a) institution of environmental quality control measures under the National 15, Will comply with the Laboratory Animal Welfare Act of (PI, 89-544, as amended, 7 U.S.C. §§2131 et Environmental Policy Act of 1969 (P.L. 91-190) and 1966 ( Executive Order (ED) 11514; (b) notification of violating seq)pertaining to the care,handling, and treatment of facilities pursuant to ED 11738; (c) protection of wetlands warm blooded animals held for research, teaching, or pursuant to EO 11990: (d) evaluation of flood hazards in other activities supported by this award of assistance. floodpfains In accordance with ED 11988;(e)assurance of project consistency with the approved State management 18, Will comply with the Lead-Based Paint Poisoning program developed under the Coastal Zone Management Prevention Act (42 U.S.C. §§4801 et seq.) which Act of 1972(16 U.S.C. §§1451 et seq.); (f) conformity of prohibits the use of lead-based paint in construction or Federal actions to State (Clean Air) Implementation Plans rehabilitation of residence strictures. under Section 176(c) of the Clean Air Act of 1955, as amended (42 U.S.0 07401 el seq.); (9) protection of 17. Will cause to be performed the required financial and underground sources of drinking water under the Safe compliance audits in accordance with the Single Audit Drinking Water Act of 1974, as amended (P.L. 93-523); Act Amendments of 1996 and OMB Circular No.A-133, and, (h) protection of endangered species under the "Audits of States, Local Governments, and Non-Profit Endangered Species Act of 1973, as amended (P.L. 93- Organizations." i 205). 18. Will comply with all applicable requirements of all other Federal laws,executive orders,regulations,and policies governing this program. SIGNATURE OF AUTHO ED CERT NO OFFICIAL rTITLE - r p�- Chairman, Board of County C7'� f, ___._.____.�._.. r`^4103.2:;nn�+rq APPLICANT ORGANIZATION DATE SUBMITTEDIF Collier County .r I,tJ 1170°K • Standard Form 4245(Rev.1-971 Back Approved as to form&legal sufficiency ATTEST 1 '/�� 'd i/ / DWIGHT E. BROCK,.Clerk Colleen Greene, �' /, .., Packet Page -849-to •i a1 ." 5 6/14/2016 16.D.3. 1603 CERTIFICATIONS (1) Affirmatively furthering fair housing. The jurisdiction will affirmatively further fair housing,which means that it will conduct an analysis to identify impediments to fair housing choice within the jurisdiction,take appropriate actions to overcome the effects of any impediments identified through that analysis,and maintain records reflecting the analysis and actions in this regard. (2) Anti-lobbying. The jurisdiction will comply with restrictions on lobbying required by 24 CFR part 87, together with disclosure forms, if required by that part. (3) Authority of Jurisdiction. The jurisdiction possesses the legal authority to carry out the programs for which it is seeking funding, in accordance with applicable HUD regulations and other program requirements. (4) Consistency with Plan. The housing activities to be undertaken with NSP funds are consistent with its consolidated plan, which means that NSP funds will be used to meet the congressionally identified needs of abandoned and foreclosed homes in the targeted area set forth in the grantee's substantial amendment. (5) Acquisition and relocation. The jurisdiction will comply with the acquisition and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970,as amended(42 U.S.C. • 4601),and implementing regulations at 49 CFR part 24,except as those provisions are modified by the Notice for the NSP program published by HUD. (6) Section 3. The jurisdiction will comply with section 3 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701u),and implementing regulations at 24 CFR part 135. (7) Citizen Participation.The jurisdiction is in full compliance and following a detailed citizen participation plan that satisfies the requirements of Sections 24 CFR 91.105 or 91.115,as modified by NSF requirements. (8) Following Plan. The jurisdiction is following a current consolidated plan(or Comprehensive Housing Affordability Strategy)that has been approved by HUD. (9) Use of funds in 18 months. The jurisdiction will comply with Title III of Division 13 of the Housing and Economic Recovery Act of 2008 by using,as defined in the NSP Notice,all of its grant funds within 18 months of receipt of the grant. (10)Use NSP funds<120 of AM!. The jurisdiction will comply with the requirement that all of the NSP funds made available to it will be used with respect to individuals and families whose incomes do not exceed 120 percent of area median income. (1 I)Assessments. The jurisdiction will not attempt to recover any capital costs of public improvements assisted with CDBG funds,including Section 108 loan guaranteed funds,by assessing any amount against properties owned, and occupied by persons of low-and moderate-income,including any fee charged or assessment made as a condition of obtaining access to such public improvements.However,if NSF funds are used to pay the proportion of a fee or assessment attributable to the capital costs of public improvements(assisted in part with NSF funds) financed from other revenue sources,an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. In addition, with respect to properties owned and occupied by moderate-income(but not low-income) families,an assessment or charge may be made against the property with respect to the public improvements financed by a source other than NSP funds if the jurisdiction certifies that it lacks NSP or CDBG funds to cover the assessment, 9 Packet Page-850- 6/14/2016 16.D.3. 1603 (12)Excessive Force. The jurisdiction certifies that it has adopted and is enforcing:(1)a policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in non-violent civil rights demonstrations;and(2)a policy of enforcing applicable State and local laws against physically barring entrance to or exit from,a facility or location that is the subject of such non-violent civil rights demonstrations within its jurisdiction. (13)Compliance with anti-discrimination laws. The NSP grant will be conducted and administered in conformity with title VI of the Civil Rights Act of 1964(42 U.S.C.2000d),the Fair Housing Act(42 U.S.C. 3601- 3619),and implementing regulations. (14)Compliance with lead-based paint procedures. The activities concerning lead-based paint will comply with the requirements of part 35,subparts A,B,J,K,and R of this title. (15)Compli , e with I; The jurisdiction will comply with applicable laws. � 41 1g Signatur- 'uthorized Official Dat Gf(ln Title Approved as to form&legal sufficiency • ATTES"1 DWIGHT !r_ 8HOCK, £IeriK'' f Colleen Greene, -. C. Assistant County Attorney 13y. �+� -�-� Attest as to Chelneertr;,fi....- signature ono, . to Packet Page -851- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Page 1 of 39 EXECUTIVE SUMMARY Recommendation for the Board of County Commissioners to approve the Neighborhood Stabilization Program (NSP) amendment to the 2008-09 HUD One Year Action Plan and authorize the Chairman to sign the necessary certifications and documents to submit the document to Housing and Urban Development(HUD)by December 1,2008. OBJECTIVE: For the Board of County Commissioners to approve the proposed amendment to the 2008-09 HUD One Year Action Plan to incorporate strategies for the Neighborhood Stabilization Program (NSF)and authorize the Chairman to sign the associated certifications and documents for submittal. CONSIDERATIONS: On April 22, 2008, the Board adopted Resolution No. 2008-121 approving the submittal of the annual Action Plan to HUD for $3,089,381.00 in entitlement funds for FY 2008-2009. On July 30, 2008, President Bush signed into law the Housing Economic Recovery Act (HERA) to provide emergency assistance for the redevelopment of abandoned and foreclosed homes. The Secretary of HUD established a formula for the distribution of the funds. This formula included the rate of foreclosures within a jurisdiction as well as the percent of subprime mortgages. On September 29, 2008, 'Collier County was notified by HUD about the amount of NSP funding that will be allocated to the County. Collier County will receive$7,306,755 in NSP funding. Of this amount, twenty-five percent (25%) of the funding or $1,827,000.00 must be used to serve households who earn 50% or less of the Area Median Income. The grant allows for 10% to be used for program administration as well. In order to receive this grant, Collier County must make a significant amendment to its 2008-09 Action Plan utilizing the template provided by HUD. Collier County's Housing and Human Services has developed the attached Action Plan for the Board's approval. The Plan was advertised for public comment on Monday, October 20, 2008 and posted on the County's website on October 22nd for the 15 day public comment period as required by law. Any comments received have been included in the Action Plan amendment. The Plan contains strategies to use NSP funds for the acquisition,rehabilitation and resale or rent of foreclosed and abandoned properties in Collier County. It includes strategies to deliver homebuyer's education and counseling to applicants, purchase assistance to applicants who purchased bank-owned properties, demolition and new construction and the opportunity to land bank properties for future development. The proposed budget is listed below: COLLIER COUNTY NSP:1LLOC ATIO\ S ',306.7:5.00 Amount by 50%.#SI1 and Below 51%-120%AMI Total L}• .#ctis ity Amount Amount Activity _ Plaumn¢and Ada m:str:mon S %30.675.00 $ - $ - S 730.675.00 Acqutsnon and Rehabilitation of Foreclosed Proprt1:es for Resale S 3.879.735.50 S 7306?3 y0 S 3,149.060.00 5 3.879./55 30 Acquation and Rehabilitation of-Foreclosed Properties for Rental S 1,5_16.324.50 S S11_4.14.50 5 715.000.00 S 1.526.3.14.50 Direct Hotnebnver Assiswnce co Acquve for-.ctoced Properties S 400 0(00.00 S - 5 400.000.00 S 400.000.00 Horuebnsror Education S 0.100.00 S lc 00000 S 35.000.00 S 70.000 00 Demolition ofAcgurred Foreclosed Properties ��-- S 21'0.000.00 S 100.00000 S 100.000.00 $ 200.01)0 00 Land Banking of Properties �S 500.000.00 5 130.00000 S 330.000,00 S 500.000.00 TOTALS S 7;06:55,00 S LS27.000,00 S 4,-45,050.00 S 7,306,155.00 PERCENTAGE OF TOTAL ALLOCATION 25.00% 69.00% • Packet Page -852- 6/14/2016 16.D.3. Agenda {tem No. 16D3 November 18, 2008 Page 2 of 39 The proposed NSP Amendment must be submitted to HUD by December 1,2008. FISCAL IMPACT: By approving this proposed amendment, Collier County will be awarded over $7.3 million dollars in grant funds. GROWTH MANAGEMENT IMPACT: The NSF amendment to create affordable housing will further the goals, objectives and policies of the Growth Management Plan's Housing Element. LEGAL CONSIDERATIONS: This item has been reviewed by the County Attorney's Office. It is legally sufficient for Board action. - CMG RECOMMENDATION: That the Board of County Commissioners approve the Neighborhood Stabilization Program (NSF) amendment to the 2008-09 HUD One Year Action Plan and authorize the Chairman to sign the necessary certifications and documents to submit to Housing and Urban Development(HUD)by December 1, 2008. Prepared by: Marcy Krumbine, Director, Housing and Human Services Packet Page -853- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18,2008 Y '"` Page 3 of 39 '' U.S.DEPA lt'rM t•:r'7'of HOUSING ANT)URBAN DEVELOPMENT 7,4 o►fI *y WASHINGTON,DC 204I0-70(10 wrptv�.o_ ASSISTANT.SI:CRf:fAlil'1'Y)]i SEP 2 6 2008 • RECEIVED ('OMNI'NITV PLANNING AND nrvo oI'Ma'r OCT 03 U The Honorable Toni Henning Board of County Commissioners Chair, Board of County Commissioner County of Collier • 3301 E.Tarniami Trail Naples.FL 34112 • • Dear Chairman Henning: • • On behalf of Secretary Steven Preston,1 am pleased to inform you that the County of Collier • has been allocated$7,306,755 in funding through HUD's Neighborhood Stabilization Program (NSP). The NSP is authorized by the recently enacted Housing and Economic Recovery Act of 2008(HERA)and is funded at a level of$3.92 billion. The purpose of the NSP is to assist states and local governments in addressing the effects of • abandoned and foreclosed properties in the nation's communities. The uses of NSP funds are: • • Establishment of financing mechanisms for purchase and redevelopment of foreclosed upon • homes and residential properties; • Purchase and rehabilitation of abandoned and foreclosed homes and residential properties; • Establishment of land banks for homes that have been foreclosed upon; • Demolition of blighted structures; and • Redevelopment of demolished or vacant properties. • Pursuant to the statutory directive of HERA,the NSF is closely related to the long standing • Community Development Block Grant(CBDG)program. As a result, HUD will implement the NSP by relying upon existing CDBG requirements and making appropriate adjustments to • accommodate the directives of HERA. The guidance implementing the NSP is contained in a • Notice to be available September 29, 2008 on HUD's website at www.hud.cov/nsp and also published in the Federal Register during the first few days of October. This website will also provide a wide range of other information which will be useful to NSA grantees. The Notice describes the application process that your jurisdiction will have to follow to obtain its NSP allocation. Briefly,the application will be an amendment to your jurisdiction's existing consolidated plan that governs the use of CDBG and other HUD formula program funds. This approach has the advantage of building upon planning actions already undertaken by your . jurisdiction and,to further speed the process, HUD is abbreviating citizen participation requirements. These steps are intended to assist grantees in developing their program and submitting their application to HUD not later than December 1,2008. Failure to apply by December 1, 2008 will result in the reallocation of your jurisdiction's funds to other Rrantees. • C,.y;ud www.hurl.gov espanol.hud.gor, fit Packet Page -854 • - 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18,3008 Page 4 of 39 • The Department is committed to assisting grantees in the implementation of the NSP at the state and local level. To this end, Secretary Preston is hosting a housing summit in Washington,DC on October 7 and 8 and I encourage you to attend to benefit from the most current information regarding the NSP ttnd other aspects of HERA. Information on the housing summit can be found at www.hud.<uov. Further,HUD will conduct a series of one day informational sessions on the NSF to be held at several locations across the country beginning October 10. Information on these sessions will be available on HUD's website as soon as details are finalized. As your staff undertake efforts to develop an NSP program,I urge them to contact the Community Planning and Development staff in your assigned HUD field office if they have any questions. HUD's field staff is,as always, the best source of guidance as to program requirements and HUD's expectations. I look forward to working with you to ensure the rapid and successful implementation of the NSP to benefit the nation's communities. Sincerely, I11 Susan D. Peppier Assistant Secretary • Packet Page-855- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Page 5 of 39 APPLICATION FOR ONE Approved No. 1176-0006 Version?/03 FEDERAL ASSISTANCE .2.DATE SUBMITTED Applicant Identifier 11.TYPE OF SUBMISSION: 3•DATE RECEIVED BY STATE Stele Application Identifier i Application Pre•eppllcallon i _ _ ;� Construction • ri _ — ! Constwctton .f4.DATE RECEIVED BY FEDERATAGENCY Federal Identifier {u..Hor:re irtpvevon n Non-Conetrpc114R.I_.____ — _ ..�..- . — , 8,APPLICANT INFORMATION Legal Name: IOrgenIzatIonal Untt Department Collier County Flouting and Human Services -Organizational DUNS: Division: 076997790 Pubac Services Address; Name and telephone number of person to be contacted on matters Street: Involving thus application(Ova area code) 3301 Temiemi Trail E Prefix: IFirs1 Name: Mercy Guy, Mae Name Naples County: __— —_._— Last Narne gCottliier IKrumbme r-_�` IFloridaaIZ341 2 s Suffix. -"'i' Country: I-mat: {United Stales 1 marcykru nbinetfgcollier9ov net i6.EMPLOYER IDENTIFICATION NUMBER(EIN). 'Phone Number(plus area code) Fax Number(give area cods) L9n-FInoEr{uu 239 262-3442 239 252-2638 j 8,TYPE OF APPLICATION: T.TYPE OF APPLICANT: (See back at form tor Application Types) i V New in Continuation r Revision County ;:t Revision,enter appropriate dener(s)in box(ea) 1'See beck of form fot description of letters) U r, Diller(speedy) �V Other(specify) Ll 9.NAME OF FEDERAL AGENCY: Housing and Urban Development 10. CATALOG OF FE6ERAL DOMESTIC ASSISTANCE NUMBER; 11.DESC-IPTIVE TITLE OF APPLICANT'S PROJECT; . 1j11:414-.1 f;i( Collier County Neighborhood Stabltizatlon Program _ TITLE(Name of Program): � I°e1� `Neighborhood stabilization Program 12.AREAS AFFECTED BY PROJECT(Clues,Counties,States,etc..1 __.....-..._.,. Collier County 113,PROPOSED PROJECT _ '14.CONGRESSIONAL DISTRICTS OF: 1 Start Date: y.Ending Date: :a.Applicant Pra)eci 1 January 15,2009 I July 30,2013 :14/25 14125 ,15.ESTIMATED FUNDING: (1116.19 APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE DREW(12372 PROCE8B7 "a �lTHIS PrEAPPT(CATION/APPLICATION WAS MADE !a federal 5 7,306,765� a Y6E, ( AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 ,ta Applicant 0 ." PROCESS FOR REVIEW ON c,Slate0 DATE: 1 d Local r Y 0 ` No, ( b T PROGRAM IS NOT COVERED BY E.0 12372 b e.Other �.. `" OR PROGRAM HAS NOT BEEN SELECTED BY STATE FOR RVIEW f Program Income O� 117.1S THE APPLICANT DELINQUENT ON ANY FEDERAL MIT? 0 p.TOTALr 7.306,755 1 0 Yea If"Yes'attach an exptanatton, 0 No 118.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICAT1ONIPREAPPLICATION'ARE-TRUE ANS CORRECT. THE DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE ATTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED. i a Aminzita RenrexentalIve �' Refit �_ Tom Name Middle Name M —__._..... t Last Name �— Suffix {Henning :bTitle Tw elephone Number(give ed rode) Chairmen,Board of County Commissioners - 239 2526097 rSignature of Authorized Ropresentetive a Date Signed rvaeviou;,Edition Usable Standard Form.124 fi vev 0-20041 A`.ii;hnritcdfor Local Rooroductrer+ ApprQJ'p9GtitAffitofametdrWat atniciency i,.- ATTEST: DWIGHT E. BROCK, Clark C f'l,i .4 // Colle-n Greene, By: - Assistant County Attorney Packet Page -856- 6/14/2016 16.D.3. \k\ ' — • 9 z__ \ \ k\�) 75 ' I / �/ D0 p ( \ E2 i 0) . ! q « § 3 4 _ U) m o _ __, k k0_ 3 ■ \ , -0 - ] ¥ t . CC § p z } « . _ «(4 _ _!to EA E • ■ & rn § CI o. k \ k 0 � � 2 / § u Er _ 5 2 . 1k \ _ . .�_._ f - 13 , km , _ 4-1 e m , 0 6 D c o § @ g 9 Ts ` ) ! § U. 7 \ [ .. Z 4 2 f ! | co « s ° '7 $ § / �® _�_ 7 E __ _ `` 1c § 0EZ la �o § U. \ _ / / Lu CC to z E $ \ - ) � 0 \ . 2 / / . | 1 pp La \ m __ , . . . _ .4 • - . . \ ! � � - \ @ kk66 \ t - g$ / m • 1 a % • |2 2 \ ? e • om ® g 7 » ____ . .__ ( | @ \ [ E ® S. § \ - k ] \ ) J 2 \ Q q a< * m § _ ; @ - , ) b § ) , p 3 \ f ] } } / / \ \ u \ / j | / \ xrt \ } f \ i 7 a 3 d e 6 = _ w $ _ / ) a. t •• .® wlwia e . ._,_ . ` [ --- Packet Page -8 57 6/14/2016 16.D.3. coo, NO �_ .��.._. N CD o) E a) ca E0 1 o u°- 0 S 1-. 1,2ri c . Ea m a N q co IR 69 44 69 64 69 C h y 'g- w ID2 g cn ta I 3 is a 1�co. M • p. s0 � 1— W 69 -' 69 6a. Off Q EL: tO 64 W Z • W w Ti N u ..r W Q 0 'QX 1.1i O) G a Z 1r 17 co U z a wg 0 a . w a u ,Q 4 t� w n fa 0 0_ 4fl i ± 0 ., 0 4A 69 UW. �_. _ err Z _ _.• w LLO tsi tin co) ,If RJL-; w +n 0 trY 1U r W 69 Vi 0 i E °° E . E W E It ' aa'C7 D% S co a o a CU 'A eto U. o o Z b d .- cV ri^ to c0 M 6 6 6 - fey W U , •r- . -- . ,. , -. .-... r r •.-^ ! N N -.N 3. Packet Page-858- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Page 8 of 39 OM9 Approval No.O30.0040 ASSURANCES-NON-CONSTRUCTION PROGRAMS Public reporting burden for this collection of information is estimated to average 15 minutes per response,including lime for reviewing instructions, searching existing data sources,gathering end maintaining the data needed,end completing and reviewing the coilection or information. Send comments regarding the burden estimate or any other aspect of this collection of information, Including suggestions for reducing this burden,to the Office of Management and Budget,Paperwork Reduction Project(0348.0040),Washington,DC 20503. PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET. SEND iT TO THE ADDRESS PROVIDED BY THE SPONSORING AGENCY. NOTE: Certain of these assurances may not be applicable to your project or program. If you have questions, please contact the awarding agency.Further,certain Federal awarding agencies may require applicants to certify to additional assurances. it such Is the case,you wilt be notified. As the duly authorized representative of the applicant,I certify that the applicant: • 1. Has the legal authority to apply for Federal assistance Act of 1973, as amended (29 U.S.C. §794), which and the institutional, managerial and financial capability prohibits discrimination on the basis of handicaps; (d) (Including funds sufficient to pay the non-Federal Share the Age Discrimination Act of 1975, as amended (42 of project cost)to ensure proper planning,management U.S.C. 06101.6107). which prohibits discrimination and completion of the project described in this on the basis of age; (a)the Drug Abuse Office and application. Treatment Act of 1972 (P.L 92-255), as amended, relating to nondiscrimination on the basis of drug 2. Will give the awarding agenoy,the Comptroller General abuse; (f) the Comprehensive Alcohol Abuse and of the United States and, if appropriate, the State, Alcoholism Prevention, Treatment and Rehabilitation through any authorized representative, access to and Act of 1970 (P.L. 91-616), as amended, relating to the right to examine all records, books, papers, or nondiscrimination on the basis of alcohol abuse or documents related to the award; and will establish a alcoholism; (g) §§523 and 527 of the Public Health proper accounting system in accordance with generally Service Act of 1912(42 U.S,C.§§290 dd-3 and 290 ee accepted accounting standards or agency directives. 3). as amended, relating to confidentiality of alcohol and drug abuse patient records: (h) Title Vln of the 3. Witt establish safeguards to prohibit employees from Civil Rights Act of 1968(42 U.S.C.03601 et seq.),as using their positions for a purpose that constitutes or amended, relating to nondiscrimination in the sale, presents the appearance of personal or organizational rental Or financing of housing; {I) any other conflict of interest or personal gain. nondiscrimination provisions in the specific statute(s) under which application for Federal assistance is being 4. Will initiate and complete the work within the applicable made; and, (j) the requirements of any other time frame after receipt of approval of the awarding nondiscrimination statute(s) which may apply to the agency. application. 5. Will comply with the Intergovernmental Personnel Act of 7 Will comply, or has already compiled, with the 1970 (42 U.S.C. 04728-4763) relating to prescribed requirements of Titles II and ill of the Uniform standards for merit systems for programs funded under Relocation Assistance and Reel Property Acquisition one of the 19 statutos or regulations specified to Policies Act of 1970 (P.L, 91-646) which provide for Appendix A of OPM's Standards for a Merit System of fair and equitable treatment of persons displaced or Personnel Administration(5 C.F.R.900.Subpart F), whose property is acquired as a result of Federal or federally-assisted programs.These requirements apply 6. WI)I comply with ell Federal statutes relating to to all interests in real property acquired for project nondiscrimination. These include but are not limited to: purposes regardless of Federal participation in (a)Title Vi of the Civil Rights Act of 1964(P.L.88-352) purchases. which prohibits discrimination on the basis of race,color or national origin; (b) Title IX of the Education 8. Will comply, as applicable, with provisions of the Amendments of 1972, as amended(20 U.S.C.01681- Hatch Act (5 U.S.C. §§1501-1508 and 7324-7326) 1683,and 1685.1686),which prohibits discrimination on which limit the political activities of employees whose the basis of sex;(c)Section 504 of the Rehabilitation principal employment activities are funded in whole or in part with Federal funds. Previous Edition Usable. standard l=one 4248(Slay.7.57) Authorized for Local Reproduction Prescribed by OMB OlroularA-102 Packet Page-859- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Page 9 of 39 9. Will comply,as applicable,with the provisions of the Davis- 12, Will comply with the Wiid and Scenic Rivers Act of Bacon Act(40 U.S.G.§§276a to 2765-7),the Copeland Act 1968 (16 U.S.C. 01271 et seq.) related to protecting (40 U.S.C. §276c and 18 U.S.C. §874), and the Contract components or potential components of the national Work Hours end Safety Standards Act (40 U.S.C. §§327- wild and scenic rivers system. 333), regarding labor standards for federally-assisted construction subegreements. 13, Will assist the awarding agency In assuring compliance with Section 106 of the National Historic Preservation 10, Will comply, if applicable, with flood insurance purchase Act of 1986,as amended(16 U.S.C.§470), 50 11593 requirements of Section 102(a) of the Flood Disaster (Identification and protection of historic properties),and Protection Act of 1973 (P.L. 93-234) which requires the Archaeological and Historic Preservation Act of recipients in a special flood hazard area to participate in the 1974(16 U.S.0 §§469a-1 at seq.), program and to purchase flood Insurance If the total cost of insurable construction and acquisition is$10,000 or more, 14. Will comply with P.L.93-348 regarding the protection of human subjects Involved in research,development,and 11. Will comply with environmental standards which may be related activities supported by This award of assistance. prescribed pursuant to the;following: (a) institution of environmental quality control measures under the National 15. Will comply with the Laboratory Animal Welfare Act of` Environmental Policy Act of 1969 (P.L. 91-190) and 1966 (P.L. 89-544, as amended, 7 U.S.C. §§2131 et Executive Order (EO) 11514; (b) notification of violating seq)pertaining to the care,handling, and treatment of facilities pursuant to ED 11738; (c) protection of wetlands warm blooded animals held for research,teething, or pursuant to 50 11990; (d)evaluation of flood hazards in other activities supported by this award of assistance, fioodplains In accordance with EO 11968; (e)assurance of project consistency with the approved State management 18. Will comply with the Leed-Based Paint Poisoning program developed under the Coastal Zone Management Prevention Act (42 U.S.C. §§4801 et seq.) which Act of 1972 (16 U.S.C. §§1451 et seq.); (f) conformity of prohibits the use of lead-based paint in construction or Federal actions to State (Clean Air) Implementation Plans rehabilitation of residence structures. under Section 176(c) of the Clean Air Act of 1955, as • amended (42 U.S.C. §§7401 et seq.); (g) protection of 17. Will cause to be performed the required financial and underground sources of drinking water under the Safe compliance audits In accordance with the Single Audit Drinking Water Act of 1974, as amended (P.L. 93-523); Act Amendments of 1996 and OMB Circular No.A-133. and, (h) protection of endangered species under the °Audits of States, Local Governments, and Non-Profit Endangered Species Act of 1973, as amended (P.L, 93- Organizations." 205). 18. Will comply with all applicable requirements of all other Federal laws,executive orders,regulations,and policies governing this program. SIGNATURE OF AUTHORIZED CERTIFYING OFFICIAL '-TITLE Chairman, Board of County r_.ammi»:5..i ntic,ra APPLICANT ORGANIZATION DATE SUBMITTED Collier County •I� Standard Form 4243(Rev.7-97)Back Approved as to form&legal sufficiency C'`, � ATTEST: 6� DWIGHT E. 13FIOCKr Mirk Colleen Greene, n „ Packet Page -860- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18,2008 Page 10 of 39 CERTIFICATIONS (1) Affirmatively furthering fair housing. The jurisdiction will affirmatively further fair housing,which means that it will conduct an analysis to identify impediments to fair housing choice within the jurisdiction,take appropriate actions to overcome the effects of any impediments identified through that analysis,and maintain records reflecting the analysis and actions in this regard. (2) Anti-lobbying. The jurisdiction will comply with restrictions on lobbying required by 24 CFR part 87, together with disclosure forms,if required by that part. (3) Authority of Jurisdiction. The jurisdiction possesses the legal authority to carry out the programs for which it is seeking funding,in accordance with applicable HUD regulations and other program requirements. (4) Consistency with Plan. The housing activities to be undertaken with NSP funds are consistent with its consolidated plan,which means that NSP funds will be used to meet the congressionally identified needs of a. abandoned and foreclosed homes in the targeted area set forth in the grantee's substantial amendment, (5) Acquisition and relocation. The jurisdiction will comply with the acquisition and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970,as amended(42 U.S.C. 4601),and implementing regulations at 49 CFR part 24,except as those provisions are modified by the Notice for the NSP program published by HUD, (6) Section 3. The jurisdiction will comply with section 3 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701u),and implementing regulations at 24 CFR part 135. { (7) Citizen Participation.The jurisdiction is in full compliance and following a detailed citizen participation plan that satisfies the requirements of Sections 24 CFR 91.105 or 91,115,as modified by NSP requirements. (8) Following Plan. The jurisdiction is following a current consolidated plan(or Comprehensive Housing Affordability Strategy)that has been approved by HUD. (9) Use of funds in 18 months, The jurisdiction will comply with Title III of Division B of the Housing and Economic Recovery Act of 2008 by using,as defined in the NSP Notice,all of its grant funds within 18 months of receipt of the grant. (10)Use NSP funds<120 of AMI. The jurisdiction will comply with the requirement that all of the NSP funds made available to it will be used with respect to individuals and families whose incomes do not exceed 120 percent of area median income. (11)Assessments. The jurisdiction will not attempt to recover any capital costs of public improvements assisted with CDBG funds, including Section 108 loan guaranteed funds,by assessing any amount against properties owned and occupied by persons of low-and moderate-income,including any fee charged or assessment made as a condition of obtaining access to such public improvements. However, if NSP funds are used to pay the proportion of a fee or assessment attributable to the capital costs of public improvements(assisted in part with NSP funds)financed from other revenue sources,an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds.In addition,with respect to properties owned and occupied by moderate-income(but not Iow-income)families,an assessment or charge may be made against the property with respect to the public improvements financed by a source other than NSP funds if the jurisdiction certifies that it Iacks NSP or CDBG funds to cover the assessment. 9 Packet Page-861- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Page 11 of 39 (12)Excessive Force. The jurisdiction certifies that it has adopted and is enforcing: (1)a policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in non-violent civil rights demonstrations;and(2)a policy of enforcing applicable State and local laws against physically barring entrance to or exit from,a facility or location that is the subject of such non-violent civil rights demonstrations within its jurisdiction. (13)Compliance with anti-discrimination laws. The NSP grant will be conducted and administered in conformity with title VI of the Civil Rights Act of 1964(42 U.S,C.2000d),the Fair Housing Act(42 U.S.C.3601- 3619),and implementing regulations. (14)Compliance with lead-based paint procedures. The activities concerning lead-based paint will comply with the requirements of part 35,subparts A,B,J,K,and R of this title. (15)Compliance with laws. The jurisdiction will comply with applicable laws. Signature/Authorized Official Date Title Approved as to form&legal sufficiency ATTEST: ages /A-. ` DWIGHT la. BF"ROCK,Clerk Colleen Greene, By: Assistant County Attorney 10 Packet Page-862- 6/14/2016 16.D.3. Page 1 of 1 Agenda Item No. 16D3 • November 18, 2008 Page 12 of 39 COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS Item Number: 16D3 Item Summary: Recommendation for the Board of County Commissioners to approve the Neighborhood Stabilization Program(NSP)amendment to the 2008-09 HUD One Year Action Plan and authorize the Chairman to sign the necessary certifications and documents to submit the document to Housing and Urban Development(HUD)by December 1,2008. Meeting Date: 11/18/2008 9.00:00 AM Prepared By Marcy Krumbine Director Date Public Services Housing&Human Services 10/22/2008 5:09:07 PM Approved By Marcy Krumbine Director Date Public Services Housing&Human Services 10/22/2008 5:30 PM Approved By Marlene J.Foord Grants Coordinator Date Administrative Services Administrative Services Admin. 10/23/2008 8:42 AM Approved By Colleen Greene Assistant County Attorner Date County Attorney County Attorney Office 10/24/2008 11:31 AM Approved By Marla Ramsey Public Services Administrator Date Public Services Public Services Admin. 10/28/2008 2:04 PM Approved By OMB Coordinator Applications Analyst Date Administrative Services Information Technology 11/3/2008 8:16 AM Approved By Sherry Pryor Management&Budget Analyst Date County Manager's Office Office of Management&Budget 11/7/2008 2;45 PM Approved By James V.Mudd County Manager Date Board of County Commissioners County Manager's Office 11/10/2008 4:00 PM f 1e://C:\AgendaTest\Export\116-Novemb+ "'" "6,%2000NSENT%20AGE... 11/12/2008 Packet Page -863- 6/14/2016 16.D.3. Agenda Item No. 1603 November 18, 2008 THE NSP SUBSTANTIAL AMENDMENT Page 3 of 39 Jurisdiction(s): Collier County NSP Contact Person: Marcy Krumbine Address: 3301 E Tamiami Trail,Health Jurisdiction Web Address: colliergov.net Building, Suite 211, Naples,FL 34112 Telephone: (239)252-4663 Fax: (239) 252-2638 Email: marcykrumbine®colliergov.net A. AREAS OF GREATEST NEED Provide summary needs data identifying the geographic areas of greatest need in the grantee's jurisdiction. Note:An NSP substantial amendment must include the needs of the entire jurisdiction(s)covered by the program; states must include the needs of communities receiving their own NSP allocation.To include the needs of an entitlement community,the State may either incorporate an entitlement jurisdiction's consolidated plan and NSP needs by reference and hyperlink on the Internet, or state the needs for that jurisdiction in the State's own plan. The lead entity for a joint program may likewise incorporate the consolidated plan and needs of other participating entitlement jurisdictions' consolidated plans by reference and hyperlink or state the needs for each jurisdiction in the lead entity's own plan. HUD has developed a foreclosure and abandonment risk score to assist grantees in targeting the areas of greatest need within their jurisdictions. Grantees may wish to consult this data, in developing this section of the Substantial Amendment. Narrative Response: Collier County is an economically diverse community, with areas of affluence in the coastal communities as well as extreme poverty in other locations. The County is geographically large, encompassing approximately 2,025 square miles. Collier County, with an estimated population of 339,000, is located on the southern gulf coast of the Florida peninsula, due west of Miami-Ft.Lauderdale. The largest of the three incorporated cities in Collier County is Naples, which is located in the western and coastal area. The remaining two incorporated cities of Collier County are Everglades City and the City of Marco Island. Everglades City is located south and east of Naples,while the City of Marco Island lies south of Naples along the Gulf of Mexico. Collier County used the U.S. Department of Housing and Urban Development's(HUD) Foreclosure and Abandonment Risk Scoring System to identify the areas at risk of foreclosure or abandonment. The information was analyzed and applied to the Collier County 2000 Census Tracts to assess the areas of greatest need. Additionally, Collier County employed local foreclosure data to further define the target areas for Neighborhood Stabilization Program (NSP) assistance. When considering the two aforementioned data,the information was consistent in the urban areas. However, in the rural areas there was a disparity between the HUD data and the local foreclosure information. The local housing and economic challenges currently plaguing the rural areas were not accurately captured in the HUD Foreclosure and Abandonment Risk Scoring System. Therefore, Collier County relied more heavily on local data when assessing the needs of the rural areas. Areas at Risk The following table summarizes the areas at risk in Collier County using the HUD Foreclosure and Abandonment Risk Scoring System. Areas receiving an index score of ten(10) are at greatest risk and areas receiving an index score of one (1) are least likely to suffer foreclosure or abandonment during the next eighteen (18) months. Packet Page-864- 6/14/2016 16.D.3. Agenda Item No. 1603 November 18, 2008 Page 14 of 39 Estimated Foreclosure Index Urban Rural 10 15 5 9 35 4 8 36 10 7 20 8 6 14 5 5 5 8 4 6 14 3 18 8 2 0 0 1 0 0 The above information was applied to the Collier County 2000 Census Tracts map to illustrate the geographic areas at greatest risk. The HUD Foreclosure and Abandonment Risk Scoring System Map shows those areas receiving a risk index score of seven (7)or higher. The County analyzed the data and determined that the following areas are at greatest risk for an increase in foreclosure or abandonment over the next eighteen(18) months: East Naples, Golden Gate City and Golden Gate Estates. Collier County then analyzed the current number of foreclosures by zip code. This exercise served two purposes: first, the Collier County Foreclosure Map and Table reinforces the conclusions of the HUD Foreclosure and Abandonment Risk Scoring System and, second, the foreclosure data assists the County in accurately assessing the needs and risks contained in the rural areas not captured in the HUD data. Finally, Collier County considered the percentage of homes financed by a subprime mortgage related loan in East Naples,Golden Gate City and Golden Gate Estates. The percentages were established by HUD using Home Mortgage Disclosure Act(HMDA)data. The following table summarizes the HMDA High Cost Loan Rate in the three areas of greatest need in Collier County. HMDA High East Golden Gate Golden Gate Cost Loan Rate Naples City Estates Percentage for Subprime 36.8% 52.4% 42.1% Mortgage Related Loans Please refer to the following two pages for additional detail. 2 Packet Page-865- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18,2008 HUD Foreclosure and Abandonment Risk Scoring System Map Page 15 of 39 COLLIER COUNTY.yF.FLORIDA :: .:_,;, ..," 2000 CENSUS TRACTS \ Y�^�r\.` ,. -'� .. aha�'. .„,-1.K... �l0 - ;ice'''` '•!r'��, Vis.. _� il1 '� j ,E - i ; - 0Cb!1 ' ,i , _ i t I ni L IR ( ! Me }-_ , i ,..IVIII'l 'if;.....; ultir A."----77, , ; - J / 0I ,.i i t ! ti ,r-,.. k Ips Os I / `\i ti� Ylb1 I tet. o :KU-''.:-,,•,'.., ,,,-,- .11.,i k,,,tilt,-,k3 i 1/(,_,) vGi :i' °a,,Ai rc".° 'i,,,'';'4''),-,,' .„,c4 7,., .4 4';:,:4PL' , , FO.FMTWL t AMAMOw.ICM7 I Jf t f i S 1. f 1 -y• t C1✓ 1. `✓ 1 artMnnrs 1 ''t+++��/y3 '� 1 42. i' Ft."v Y ' )1/4�'N.+ �`.� J'l� arc 000111170P 10 f '',''t-..3 L,ytvTl.r''y. is,f3 y I ."j/env1 -eV?'`7--y y�q ✓J .,... �,12_.. '-- 3 Packet Page-866- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Collier County Foreclosure Map and Table Page 16 of 39 MOW,mIIR Ir1 ai aisai*,rii ..,.6-,, • ZIP CODES.PA MK 44144 }{ � c4Y` ii IMM •PA.<t0070M-1lISI S qr . 0 ,4 + elakte , " ' c Ca1brCountFlorid a veva PAf00 � it �� • '`fly Ji[i1e ` WOWat salerauwr NICIEsf' l/ Irr .., , 0�yS¢j+5 ‘,yy:F.�' } 1. I HIM . . diaala i•�tLs� 7.1+�r ';e, •:,N ' �p•kv' r }+•�r' F 'w t+ ' A �. ;?1‘...'., 'y�,t Kr. :)4•r--,..1..:,:.1' ids }s 3 l ;i,,yy�T''�r..�.�, ''..Tc last '�y 3r y'�raiggLe { }l'��.; • f r 4r ti.i {i{ 1 yit i fr.I Q i iworkt. .,,rf r ., .. fi- e�4. _} �'��; x`fi�?�y, ,„..„.,,,,,,,,,,,,,,„,,N*.,-, ,..d r-0,y, it MI"' t c 5"s�...''; .R ",4i Y,__, 1 icy y i 1'f .f'A f; CM OP/1 t!2- },..5,. ,....,,,,,,.-: .izi9It'..iiii. ' --,,,,lf,,,40-,Y,' i I t „,;%.:i; u i;: ear+ + irJ.*r , S'F s3. v�•: f n r 1 1,,1.. 11. 4116.N.KI, L:5,-.11417, -,;..Y.'l',-,;',':•.r.:;,,;:1-,''; ; r, ii, ...LN,,r.;..th.w..*:,,.:..,•„.„,:z. :4 . FP),INrift 4 L ( • +: ...lit. att 3” 14111 2.4.;''•••••••:4-: i• ir C4P.,,T.;t.'1.•• Pr . 1. i i.. roiUND 1111...-iii ZIP NUMBER OF ZIP NUMBER OF CODE FORECLOSURES CODE FORECLOSURES 34142 70 34120 1228 34119 423 34110 190 34134 217 34108? 202 34109 307 34103 129 34105 248 34116 915 34102 101 34104 413 • 34112 442 34117 550 34113 338 34114 174 34145 337 34139 6 4 Packet Page -867- 6/14/2016 16.D.3. Agenda Rem No. 16D3 November 18, 2008 Identified Program Target Areas Page 17 of 39 — The Collier County NSP Allocation will target the following three(3) areas for economic and housing redevelopment: East Naples, Golden Gate City and Golden Gate Estates. The County will continue to monitor local foreclosure data and intends that the NSP Program be flexible to allow for timely reaction to any significant changes in the local housing market. B. DISTRIBUTION AND USES OF FUNDS Provide a narrative describing how the distribution and uses of the grantee's NSP funds will meet the requirements of Section 2301(c)(2)of HERA that funds be distributed to the areas of greatest need, including those with the greatest percentage of home foreclosures,with the highest percentage of homes financed by a subprime mortgage related loan,and identified by the grantee as likely to face a significant rise in the rate of home foreclosures. Note:The grantee's narrative must address these three stipulated need categories in the NSP statute, but the grantee may also consider other need categories. • Narrative Response: Based upon the County's analysis, the areas of East Naples, Golden Gate City and Golden Gate Estates meet all three(3) stipulated need categories. All three areas have a HUD Foreclosure and Abandonment Risk score of seven(7)or higher, all three have significant foreclosure activity and all have a HMDA High Cost Loan Rate above 36 percent. The NSP Allocation will be used as described in Section G—NSP Information by Activity. Twenty-five(25)percent of the Collier County NSP Allocation will be used to assist households earning no more than fifty(50)percent of the local area median income. Collier County will continue to monitor local housing data in an effort to determine if an expanded area of assistance is required. Dwelling units assisted with NSP Funds shall be rehabilitated to the extent necessary to comply with applicable laws, codes, and other requirements relating to housing safety, quality, and habitability. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving assistance. Additionally, the County will strongly encourage the incorporation of green building improvements to provide Iong-term affordability, increased sustainability and attractiveness of housing and neighborhoods. C. DEFINITIONS AND DESCRIPTIONS (1) Definition of"blighted structure"in context of state or local law. Narrative Response: Blighted structure, as extracted from 2008 Florida Statute 163.340, is defined as a structure that is deteriorated or deteriorating to the extent that unsanitary or unsafe conditions may threaten the health safety and welfare of the public. Characteristics include,but are not limited to: (a) Unsanitary or unsafe conditions; (b) Deterioration of site or other improvements; (c) Inadequate provision for ventilation, light, air, sanitation or open spaces; (d) The existence of conditions that endanger life of property by fire or other causes. (2) Definition of"affordable rents." Note: Grantees may use the definition they have adopted for their CDBG program but should review their existing definition to ensure compliance with NSP program—specific requirements such as continued affordability. 5 Packet Page -868- 6/14/2016 16D.3. Agenda Item No. 16D3 November 18, 2008 Page 18 of 39 Narrative Response: The maximum Affordable Rents shall not exceed the Fair Market Rents(FMR) as published annually by the U.S. Department of Housing and Urban Development for the Naples—Marco Island MSA. The current rates are listed below: Final FY 2009 FMRs By Unit Bedrooms Efficiency One-Bedroom Two-Bedroom Three-Bedroom Four-Bedroom Final FY 2009 FMR $ 868 $ 995 $ 1,120 $ 1,392 $ 1,449 Source: U.S. Department of Housing and Urban Development(2009) (3) Describe how the grantee will ensure continued affordability for NSP assisted housing. Narrative Response: Collier County will ensure long term affordability through the use of a recorded lien against the property. If an owner who has been assisted though this program transfers title to the property before the affordability period expires, the assistance provided by the County will be subject to recapture. The County will monitor assisted units on an annual basis during the affordability period. All properties receiving assistance from the Neighborhood Stabilization Program(NSF) will be secured by a recorded second mortgage on the subject property in favor of Collier County, In the event the unit is transferred to an owner(s) deemed eligible for assistance under NSF guidelines, the amount of assistance will remain in the subject property to provide continued affordability. In the event the unit is transferred to an owner(s) deemed ineligible for assistance under NSF guidelines,the amount of assistance will be recaptured. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e)and (f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—S Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years (4) Describe housing rehabilitation standards that will apply to NSP assisted activities. Narrative Response: All dwelling units that require rehabilitation must meet local and state building codes. Collier County will require home rehabilitation to meet, or exceed, current Florida Building Code(FBC). The current code used by Collier County is the 2004 FBC; effective March 1, 2009 the code will be updated to 2007 FBC. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving assistance. Additionally, the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a large coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. 6 Packet Page -869- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Collier County's Department of Housing and Human Services has a Local Housing Assistance PextqL1HATeR adopted as Ordinance No. 93-19 and Ordinance No. 94-39.The referenced ordinances detail the specifications required to bring substandard housing into compliance with local and state building codes. (5) Definition of"Middle Income Household" A household having an income equal to or less than 120%of area median income, but greater than 80%of area median income, adjusted for household size. (6) Definition of"Moderate Income Household" A household having an income equal to or less than 80%of area median income,but greater than 50%of area median income, adjusted for household size. (7) Definition of"Low Income Household" A household having an income equal to or less than 50%of area median income, adjusted for household size. (8) Definition of"Current Market Appraised Value" The current market appraised value means the value of a foreclosed upon home or residential property that is established through an appraisal made in conformity with the appraisal requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer made for the property by a grantee,subrecipient, developer, or individual homebuyer.. (9) Definition of"Abandoned" A home is abandoned when mortgage or tax foreclosure proceedings have been initiated for that property,no mortgage or tax payments have been made by the property owner for at least 90 days, AND the property has been vacant for at least 90 days. (10)Definition of"Blighted Structure" A structure is blighted when it exhibits objectively determinable signs of deterioration sufficient to constitute a threat to human health, safety, and public welfare. (11)Definition of"Foreclosed" A property"has been foreclosed upon"at the point that,under state or local law, the mortgage or tax foreclosure is complete. HUD generally will not consider a foreclosure to be complete until after the title for the property has been transferred from the former homeowner under some type of foreclosure proceeding or transfer in lieu of foreclosure, in accordance with state or local law. (12) Definition of"Land Bank" A land bank is a governmental or nongovernmental nonprofit entity established, at least in part,to assemble, temporarily manage, and dispose of vacant land for the purpose of stabilizing neighborhoods and encouraging re-use or redevelopment of urban property. For the purposes of the NSP Program, a land bank will operate in a specific, defined geographic area. It will purchase properties that have been abandoned or foreclosed upon and maintain, assemble, facilitate redevelopment of, market, and dispose of the land-banked properties. if the land 7 Packet Page -870- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 bank is a governmental entity, it may also maintain abandoned or foreclosed property that it doePtioVeW 39 provided it charges the owner of the property the full cost of the service or places a lien on the property for the full cost of the service. D. LOW INCOME TARGETING Identify the estimated amount of funds appropriated or otherwise made available under the NSP to be used to purchase and redevelop abandoned or foreclosed upon homes or residential properties for housing individuals or families whose incomes do not exceed 50 percent of area median income: $1,827,000.00. Note: At least 25% of funds must be used for housing individuals and families whose incomes do not exceed 50 percent of area median income. Narrative Response: Collier County acknowledges that households earning less than 50%AYH may require affordable rental apartment dwelling units. Therefore the County will explore options for purchase and rehabilitation of multi- family rental apartment dwelling units. Special emphasis shall be placed on providing rental housing to the special needs population,such as elderly or developmentally disabled, earning less than 50%AMI. Some Iocal non-profit housing providers in Collier County have a proven track record of success in providing homeownership units to households earning less than 50%AMI. As such,the County may encourage home ownership should the subject property be shown affordable to the prospective homebuyer. Should a unit acquired and intended for homeownership fail to sell within a timeframe deemed reasonable by Collier County, said unit may be rented to a household earning less than 50%AMI. Should this occur, the Collier County Department of Housing and Human Service's may partner with for-profit or nonprofit organizations to provide services such as,but not limited to,property management services,tenant selection and collection of monthly rental payments. Currently,the Collier County Housing Authority operates a Tenant- Based Rental Assistance(TBRA)Program. The agency has a proven track record of providing a compliant Section 8 Department of Housing and Urban Development rental subsidy program. E.ACQUISITIONS&RELOCATION Indicate whether grantee intends to demolish or convert any low-and moderate-income dwelling units(i.e., • 80% of area median income). If so,include: • The number of low-and moderate-income dwelling units--i,e., • 80%of area median income— reasonably expected to be demolished or converted as a direct result of NSP-assisted activities. • The number of NSP affordable housing units made available to low- , moderate-, and middle-income households—i.e., • 120% of area median income—reasonably expected to be produced by activity and income level as provided for in DRGR, by each NSP activity providing such housing(including a proposed time schedule for commencement and completion). • The number of dwelling units reasonably expected to be made available for households whose income does not exceed 50 percent of area median income. Narrative Response: 8 Packet Page-871- 6/14/2016 16.D.3. Agenda Item No. 1603 November 18, 2008 Should the initial inspection and/or rehabilitation work determine that demolition of the dwellin It?d info cost effective, Collier County may chose to demolish the existing unit and either place the site in the County _a land bank or construct a new unit on the site. If the cost to rehabilitate the unit is greater than fifty(50)percent of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred (100)percent loan-to-value, the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP program. Rather,the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action (URA) requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety(90)days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90) days. F. PUBLIC COMMENT Provide a summary of public comments received to the proposed NSP Substantial Amendment. Narrative Response: On October 22,2008 Collier County posted the proposed NSP Substantial Amendment on its website. Additionally, notice of the County's allocation and availability of the proposed NSF Substantial Amendment was advertised in the Iocal Naples Daily News. Below are listed the comments received during the mandatory fifteen (15)day public comment period. Public Comment#1 From: John Barlow Sent: Wednesday,October 22,2008 8:28 PM To: KrumbineMarcy Subject:RE:Collier County NSP Substantial Amendment Marcy, I printed out the NSP Draft and scanned it.I will read it in its entirety this weekend,The data in this document screams for the three areas you identified,and supports our rehabilitated home in zip code 34116,which is one of the highest zip codes for foreclosed properties. I like the plan and look forward to doing our part to make this dilapidated homes better,much better. John F.Barlow Response#1 From:KrumbineMarcy Sent:Friday,November 07,2008 12:38 PM To:'John Barlow' Subject:RE:Collier County NSP Substantial Amendment Thank you for your comments. We will include your comments within the public comment section of our NSP Amendment. Marcy Krumbine,MPA Public Comment#2 From: Stephen Hruby-AU Sent:Monday,November 03,2008 12:17 PM 9 Packet Page -872- 6/14/2016 16.D.3. Agenda Item No, 16D3 November 18, 2008 To: KrumbineMarcy Page 22 of 39 Cc: RamseyFrank Subject:NAP Grant Submission Marcy, In preparation for the meeting today,1 did a quick overview of the NSP Grant Submission that you posted. I had several comments on various activity narratives. On Activity#1 and#2: • It is not clear,but I assume the county is purchasing,holding title and then reselling the for sale homes and not utilizing a third party non-profit or developer to do so? • If the above is true,what is the intention for retaining and managing the rental property or is it your intention to sell the units with the restrictions on them? Would you consider turning them over to the public housing authority to manage? • It is not clear to me how you intend to renovate the properties. It says the County will scope the work,but you are not clear as to who will do the work. I assume you will retain contractors. What is your procurement process? • You mention in several places that the County may partner with non-profits. What do anticipate they will do and how would you select an procure their services? On Activity#3: • I did not see anything in the narrative that explained what type of assistance and the limits of assistance would be provided to the direct buyer. Can you elaborate? On Activity#4: • Can you expand the contracts of the two service providers you have under contract now or must you re-procure them? Stephen J.Hruby AIA Response#2 From:KrumbineMarcy Sent: Friday,November 07,2008 12:47 PM To: 'Stephen Hruby-AU' Cc: RamseyFrank Subject:RE:NAP Grant Submission Thank you for your comments and questions regarding the NSP Grant submission. They will be included in the public comment section of the amendment. To answer your questions,the department has kept the various sections of each activity purposely flexible in order to comply with the strict timeline of the grant. It is our intention to work as quickly and efficiently as possible either in house or with our community partners to acquire and rehabilitate properties within the allotted timeframe. At all times,the processes will adhere to proper procurement procedures. Direct assistance to a homebuyer will not exceed$50,000. Thank you again for your interest and comments. Marcy Krumbine,MPA Public Comment#3 From:Barbara Cacchione Sent:Tuesday,November 04,2008 11:22 AM To:KrumbineMarcy Subject:Public comment 10 Packet Page-873- 6/14/2016 16.D.3. Agenda Rem No. 16D3 November 18, 2008 The NSP substantial amendment proposed by Collier County targets several specific areas in Collier County which Ram jet 2<i blit of foreclosure,as well as subprime mortgages. I would ask that you consider adding another area which includes Immokalee, Immokalee was targeted by HUD as an area of high foreclosure and abandonment risk area according to their data. In addition,there is a high degree of abandoned and dilapidated structures according to the County's own estimates which add to the need for the Neighborhood Stabilization Program for the area. The Immokalee Community is much smaller in scale so the funding allocated could be less than the other targeted areas. In addition,there is a strong active collaborative effort among the housing nonprofits to effectively leverage the funding that is allocated by turning the funds in to program income and purchasing additional properties. The Immokalee Housing Collaborative is particularly interested in the Eden Park Neighborhood where there are a number of vacant, dilapidated homes currently for sale. On behalf of the Immokalee housing nonprofits and the Immokalee Community we would appreciate consideration of an allocation of funding that would include the Immokalee Community. This can be done by providing a percentage of funds that are available for areas outside of the targeted areas identified by the County or by a smaller allocation to the Immokalee Community based on the poor housing conditions that currently exist and the numbers of foreclosures for a smaller community to absorb. I thank you for your consideration and will be happy to discuss this in further detail. Please contact me at your convenience at 239-287-1428 or email at hcacchione( corncast.net. Response#3 From: KrumbineMarcy Sent:Tuesday,November 04,2008 12:56 PM To: 'Barbara Cacchione';RantseyFrank Subject:RE:Public comment Thank you for your public comment. The NSP program is very specific in using grant funds for the area of the most need based upon foreclosure rates. The County can ask HUD for an exception and we can explain the pressing needs of the Immokalee community. This will be based on board direction and these comments will be included in the Action Plan, Marcy Krumbine,MPA Public Comment#4 From; Debi Mahr Sent:Wednesday,November 05,2008 10:48 AM To:KrumbineMarcy Subject:Public Comment Marcy, Please accept the attached public comment from the Collier County Hunger and Homeless Coalition regarding the County's NSP draft of proposed use of funding. We appreciate the opportunity. Background information and HUD recommendations: The Neighborhood Stabilization Program(NSP)appropriates$3.92 billion to communities and states across the country. Collier County is eligible for$7,306,755.00 to be used fon •Establishing financing mechanisms for purchase and redevelopment of foreclosed homes •Purchasing or rehabilitating homes and residential properties that have been abandoned or foreclosed,in order to sell,rent,or redevelop such homes and properties •Establishing land banks for homes that have been foreclosed upon •Demolishing blighted structures •Redeveloping demolished or vacant properties HUD ideas for how you might use the money to serve the homeless and at-risk population: •Purchase several single-family homes in a neighborhood and create a permanent supportive housing project for homeless persons. •Purchase a single-family home and rehabilitate it to contain two or three apartments to be used as permanent housing for homeless persons. •Purchase a residential property and construct an apartment complex which will be used as permanent housing for homeless persons. Thank you, 11 Packet Page -874- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Debra Mahr/Executive Director Page 24 of 39 Response#4 From: KrumbineMarcy Sent:Friday,November 07,2008 8:19 AM To:'Debi Malo' Subject:RE:Public Comment The Department of Housing and Human Services is in receipt of your public comment for the draft of the NSP Action Plan. In your comment,you propose the increase of funding for 50%and below of the AMI to 40%.Your comments will be included in the Action Plan and presented to the Board of County Commissioners. Please understand that the grant only provides for housing units and does not provide any operating funds for these units. In speaking with various members of the HUD staff in Washington,DC and local housing partners who serve those needing transitional or permanent housing for the very low income of Collier County,there is a concern about staffing for expanded housing services. While Housing and Human Services is the lead agency for the Continuum of Care and understands the need,it is critical for us to assure that any units dedicated to 50%of the AM1 or below can and will be properly managed by our area agencies. As we move forward,we will indeed look to formalize partnerships with agencies that have the capacity to take on additional property management for the very low income,elderly,special needs,homeless and those at risk. Marcy Krumbine,MPA Public Comment#5 November 6,2008 Marcy Krumbine Director Collier County Housing&Human Services 3050 North Horseshoe Drive,Suite 110 Naples,FL 34104 Re:Action Plan for Neighborhood Stabilization Program Dear Ms.Krumbine: Thank you for including the Collier County Housing Authority in the Action Plan,as a potential partner with Collier County,in meeting the needs of the county through the Neighborhood Stabilization Program,particularly the 25%targeted to individuals and families at 50%AMI or below. Our considerable experience includes dealing with very low income households through the federal programs we administer. That experience and skills involves all aspects of property management and familiarity with some of the federal compliance requirements. Farm Worker Village,a multi-family development of 611 units,is one of the three developments that we own and manage in lmmokalee. We also have a track record in the administration of a Section 8 Housing Choice Voucher Program,a rental subsidy program,county-wide.One of the components of that program involves conducting inspections of housing units utilizing HUD's Housing Quality Standards. We stand ready to assist and partner with you and your department in meeting the local goals as described in the action plan,as well in the following manner: 1. Multifamily projects could be deeded to the Housing Authority for potential use as new affordable housing for families at 50%or less AMI with the understanding that deed restrictions would apply. 2. Scattered single family units could be deeded to the Housing Authority for use as scattered site affordable housing rentals where mortgages/gap financing may not be available for families with the understanding that deed restrictions would apply. 3. Work with the Continuum of Care partners in providing housing for homeless families or individuals,that at risk,elderly or special needs. 4. Work with local partners to create a land bank of properties. Thank you again for the potential opportunity to partner with the county in addressing the affordable housing issues in the community. 12 Packet Page -875- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Page 25 of 39 Sincerely, Esmeralda Serrata,PHM Executive Director Response#5 None. G. NSP INFORMATION BY ACTIVITY(COMPLETE FOR EACH ACTIVITY) Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale (1) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Resale (2) Activity Type: Acquisition and Rehabilitation of Foreclosed Properties for Resale • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell, rent or redevelop such homes and properties; • 24 CFR 570.201(a) Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n) Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity), (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date:January 15, 2009 (5) Projected End Date:July 30,2013 (6) Responsible Organization: Collier County Department of Housing and Human Services;3301 E Tamiami Trail, Building H, Suite 211,Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A.Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; 13 Packet Page-876- 6/14/2016 16.D.3. Agenda Item No, 16D3 November 18, 2008 • a description of how the design of the activity will ensure continued affordability. Page 26 of 39 For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing and Human Services will be the lead agency in working with local lenders to acquire homes that have been foreclosed,vacant for at least ninety(90) days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSP assistance. Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity, as well as administering U.S. Department Housing and Urban Development grant funds,may be solicited to perform all or parts of this activity. The Department of Housing and Human Services will consult the County's list of approved contractors and developers when rehabilitation is required. The County shall identify properties for sale in the areas of greatest need. If required, a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least 15 percent from the current market-appraised value of the home or residential property and that such discount shall ensure that purchasers are paying below-market value for the home or property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required, rehabilitation shall be completed and the subject property will be sold to an income eligible applicant earning no more than 120%of local area median income. The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium, local banks, FHA or USDA. The interest rate shall not exceed one(1)percent above the then current 60 day Fannie Mae Index. Additionally, no mortgage insurance is allowed(the only exception being FHA Home Loans), all loans shall be fully documented, no pre-payment penalties are permitted,closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County Department of Housing and Human Services. All lenders providing first mortgage financing for homes or residential properties assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation,Department of the Treasury, and National Credit Union Administration, available at http://www.fdic.gov/regulations/laws/rules/5000-5I60.html. A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide down payment assistance and increase affordability. The homes targeted for NSP assistance will be properties that have been foreclosed, bank-owned, and vacant for at least ninety(90)days. The County shall negotiate with local banks to purchase properties at a discount rate of at Ieast 15 percent from the current market-appraised value. The current market appraisal will be made in 14 Packet Page -877- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days pYcider to purchase made by the County or an approved housing partner. Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home or residential property into compliance with current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County shall prepare a written Rehabilitation Specification Report for each property to be used to describe in detail the required rehabilitation and establishment of a cost estimate for the work plan. Additionally,the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a large coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. Collier County will ensure long term affordability though the use of a recorded lien against the property. If an owner who has been assisted though this program transfers title to the property before the affordability period expires, the assistance provided by the County will be subject to recapture. The County will monitor assisted units on an annual basis during the affordability period. All properties receiving assistance from the Neighborhood Stabilization Program (NSP) will be secured by a recorded second mortgage on the subject property in favor of Collier County, In the event the unit is transferred to an owner(s) deemed eligible for assistance under NSP guidelines,the amount of assistance will remain in the subject property to provide down payment assistance. In the event the unit is transferred to an owner(s) deemed ineligible for assistance under NSP guidelines,the amount of assistance will be recaptured. The down payment second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold, transferred,refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92,252(a), (c), (e) and (f), and 92.254. The minimum affordability periods are as follows: • Up to$15,000—5 Years • $15,001 to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years The Collier County Department of Housing and Human Service's shall maintain an active list of income- qualified and mortgage ready applicants. Under direction from the Housing Manager,staff members shall meet with and pre-qualify potential homebuyers on a regular basis. The applicant(s) will be qualified based on criteria such as household income,job stability, credit history and liquidity. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. All applicants must receive at least eight(8)hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. In the event Collier County is unable to sell the acquired home or residential property,the County may, at its sole discretion, deed the property to the Collier County Housing Authority or nonprofit provider of affordable housing. All affordability restrictions listed above shall stillapply and the unit(s)must be occupied by 15 Packet Page-878- 6/14/2016 16.D.3. Agenda Rem No. 16D3 November 18, 2008 households earning no more than 120 percent of the local area median income. Special preferenEtinthall49639 given to those who are currently homeless, at risk of homelessness, elderly or special needs. All tenants must be income-qualified and rents may not exceed the limits as established in Section C. Definitions and Descriptions, (2) Definition of"affordable rents". Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#2-Acquisition and Rehabilitation of Foreclosed Properties for Rental (I) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Rental (2) Activity Type: Acquisition and Rehabilitation of Foreclosed Properties for Rental • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n)Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties(HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: January 15, 2009 (5) Projected End Date: July 30,2013 (6) Responsible Organization: Collier County Department of Housing and Human Services;3301 E Tamiami Trail,Building H,Suite 211, Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. 16 Packet Page-879- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 For housing related activities, include: Page 29 of 39 • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing and Human Services will be the lead agency in working with local lenders to acquire homes that have been foreclosed, vacant for at least ninety(90) days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSF assistance, Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity, as well as administering U.S. Department Housing and Urban Development grant funds,may be solicited to perform all or parts of this activity. The Department of Housing and Human Services will consult the County's list of approved contractors and developers when rehabilitation is required. The County shall identify properties for sale in the areas of greatest need. If required, a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least 15 percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required, rehabilitation shall be completed and the subject property will be rented to an income eligible applicant earning no more than 120%of local area median income. Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home into compliance current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County shall prepare a written Rehabilitation Specification Report for each property to be used to describe in detail the required rehabilitation and establishment of a cost estimate for the work plan. Additionally, the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a Iarge coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. Collier County will ensure long term affordability though the use of a recorded lien against the property. All rents charged shall conform to the Fair Market Rents(FMR)limits as defined in Section C. Definitions and Descriptions, Part 2, as amended from time to time by the U.S Department of Housing and Urban Development. The County will monitor assisted units on an annual basis during the affordability period. 17 Packet Page -880- 6/14/2016 16.D.3. Agenda Item No. 1603 November 18,2008 All properties receiving assistance from the Neighborhood Stabilization Program (NSP)will be gil4ixtelPIffli 49 recorded second mortgage on the subject property in favor of Collier County. The interest rate shall be 0%. In the event the unit(s) is transferred, refinanced or operated for an activity deemed ineligible for assistance under NSP guidelines,the amount of assistance will be recaptured. The County will use the minimum affordability period of the federal I-IOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e)and (f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000--5 Years • $15,001 to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide a subsidy to the renter and increase the subject property's affordability. Collier County shall place program income derived from the rental operations of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. The Collier County Department of Housing and Human Service's may partner with for-profit or nonprofit organizations to provide services such as, but not limited to,property management services,tenant selection and collection of monthly rental payments. Currently, the Collier County Housing Authority operates a Tenant- Based Rental Assistance (TBRA)Program. The agency has a proven track record of providing a compliant Section 8 Department of Housing and Urban Development rental subsidy program. The TBRA program is designed to include a preference for those who are currently homeless, at risk of homelessness,elderly or special needs while meeting the fluctuating demands for housing. Collier County or its housing partner may contact local social service agencies for tenant referrals. Currently, the following agencies provide referrals for the TBRA program: St. Matthew's House, Shelter for Abused Women and Children, Salvation Army, Catholic Charities,Collier County School Resources and Immokalee Friendship House. Applicants seeking assistance through the TBRA program are required to meet income guidelines and are subject to criminal background screening. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#3—Direct Homebuyer Assistance to Acquire Foreclosed Properties (I) Activity Name: Direct Homebuyer Assistance to Acquire Foreclosed Properties (2) Activity Type: Direct Homebuyer Assistance to Acquire Foreclosed Properties • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell, rent or redevelop such homes and properties; • 24 CFR 570.201(a) Acquisition; • 24 CFR 570.201(b) Disposition; • 24 CFR 570.201(i) Relocation; • 24 CFR 570.201(n) Direct homeownership assistance (as modified below); 18 Packet Page -881- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 o 570.202 eligible rehabilitation and preservation activities for homes and other resiikagiall of 39 properties(HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: January 15, 2009 (5) Projected End Date:July 30, 2013 (6) Responsible Organization: Collier County Department of Housing and Human Services; 3301 E Tamiami. Trail,Building H, Suite 211,Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons;and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing and Human Services will be the lead agency in working with local residents to acquire homes that have been foreclosed, vacant for at least ninety(90)days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to assist persons locate properties suitable for NSP assistance. Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity, as well as administering U.S.Department Housing and Urban Development grant funds, may be solicited to perform all or parts of this activity. The Direct Homebuyer Assistance Activity shall assist first-time homebuyers by paying a portion of their down payment and closing cost expense. The activity provides assistance for the purchase of single family homes, duplexes, condominiums,townhouses or DCA approved manufactured homes. 19 Packet Page -882- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 The purchase price for all properties acquired with NSP Funds during the initial 18 month period'4.kh.Plikpf 39 discounted at least 15 percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the applicant. All households assisted must earn no more than 120 percent of the local area median income. The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium, local banks, FHA or USDA. The interest rate shall not exceed one (1)percent above the then current 60 day Fannie Mae Index. Additionally,no mortgage insurance is allowed (the only exception being FHA Home Loans), all loans shall be fully documented, no pre-payment penalties are permitted, closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County Department of Housing and Human Services. All lenders providing first mortgage financing for homes or residential properties assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Department of the Treasury, and National Credit Union Administration, available at http://www.fdic.gov/regulations/laws/rules/5000-5160.html. Collier County will ensure long term affordability though the use of a recorded lien against the property. The County will monitor assisted units on an annual basis during the affordability period. Additionally, all properties receiving assistance from the Neighborhood Stabilization Program (NSP)will be secured by a recorded second mortgage on the subject property in favor of Collier County. The down payment second mortgage shall hear an interest rate of 0%. No payment will be required until the home is sold, transferred, refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. All applicants will be taken on a first-come-first-served basis. Applicants must meet NSP income guidelines, as well as the following: applicant must be a first time home buyer, defined as not having home ownership interest in a residential property during the past three(3)years,a single parent with children under the age of eighteen (18)who has recently been divorced and displaced, a displaced victim of domestic violence, or a person displaced as the result of some government action; the assisted residential property must be located within the boundaries of Collier County, Florida and the purchase price may not exceed$200,000. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e) and(f), and 92.254. The minimum affordability periods are as follows: • Up to$15,000—5 Years • $15,001 to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds, Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration. 20 Packet Page -883- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 In no event shall NSP Funds be used to assist households earning more than 120 percent local arealtrielliag 39 income. All applicants must receive at least eight(8)hours of homebuyer education from a U.S.Department of Housing and Urban Development certified counselor. Activity#4—Homebuyer Education (I) Activity Name: Homebuyer Education (2) Activity Type: Homebuyer Education • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n) Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: January 15, 2009 (5) Projected End Date: July 30, 2013 (6) Responsible Organization: Collier County Department of Housing and Human Services;3301 E Tamiami Trail,Building H, Suite 211,Naples,FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses;the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: 21 Packet Page-884- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 • range of interest rates Page 34 of 39 Narrative Response: Collier County's Department of Housing and Human Services will partner with local nonprofit agencies to provide homebuyer education. All homebuyer education and counseling shall be performed by HUD certified counselors. Currently,there are approximately 6,000 foreclosed upon residential properties in Collier County with an estimated 750 additional foreclosures filed each month. In order to have a successful NSP Program, Collier County will partner with local nonprofits to educate prospective homebuyers about successful homeownership. Collier County currently contracts with two local agencies to provide homebuyer education. Each organization provides a minimum of eight(8)hours of education to each participant. The eight(8)hours is provided in the form of group education and private individual counseling. Annually this program serves over 800 prospective homeowners. The Empowerment AIliance of Southwest Florida focuses efforts in the Immokalee area of Collier County. They are certified by the Neighbor Works Center of Homeownership Education and Counseling(NCHEC). This organization is also a HUD certified counseling agency and operates in an area designated by HUD as a revitalization community. The Collier County Housing Development Corporation focuses efforts throughout Collier County. They also are certified by the Neighbor Works Center of Homeownership Education and Counseling (NCHEC). This agency is currently seeking HUD certification. Recognizing that Collier County is a diverse community, classes are offered in multiple languages. Examples of topics covered in the homebuyer education classes include, but are not limited to: -Understanding Credit -Getting a Mortgage Loan -Predatory Lending -Shopping for a Home -Keeping your Home -Home Maintenance -Managing your Finances -Responsibilities of Homeownership -Preparing for Homeownership -The Closing Process Activity#5—Demolition of Acquired Foreclosed Properties (1) Activity Name: Demolition of Acquired Foreclosed Properties (2) Activity Type: Demolition and Clearance of Foreclosed Properties • Demolish blighted structures; • 24 CFR 570.201(d)Clearance for blighted structures only. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date:January 15, 2009 (5) Projected End Date: July 30, 2013 22 Packet Page -885- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Page 35 of 39 (6) Responsible Organization: Collier County Department of Housing and Human Services; 3301 E Tamiami Trail,Building H, Suite 211, Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Homes or residential properties acquired through the NSP Program that are not economically feasible to rehabilitate,pose a health threat or pose safety threat,may be demolished, Demolished properties may be placed in a land bank maintained by Collier County or provided to a local nonprofit provider of affordable housing. Additionally,NSP Funds may be used to construct a new home on the site. If the cost to rehabilitate the unit is greater than fifty(50)percent of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred(100)percent loan-to-value, the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP program. Rather,the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action(URA)requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety(90) days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90) days. Should Collier County or its housing partner construct a new unit on the site, such activity shall be governed by NSP guidelines as discussed in Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale. Additionally, all households assisted must earn no more than 120 percent of the local area median income. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e) and (f), and 92.254. The minimum affordability periods are as follows: 23 Packet Page -886- 6/14/2016 16.D.3. Agenda Item No. 1603 November 18, 2008 Page 36 of 39 • Up to$15,000—5 Years • $15,001 to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible N SP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Activity#6—Land Banking of'Acquired Properties (1) Activity Name: Land Banking of Acquired Properties (2) Activity Type: Land Banking of Acquired Properties • Establish land banks for homes that have been foreclosed upon; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b) Disposition. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: January 15, 2009 (5) Projected End Date: July 30, 2013 (6) Responsible Organization: Collier County Department of Housing and Human Services;3301 E Tamiami Trail,Building H, Suite 211, Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A.Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: 24 Packet Page -887- 6/14/2016 16.D.3. Agenda Item No. 1603 November 18,2008 • range of interest rates Page 37 of 39 Narrative Response: Collier County may acquire properties that have been foreclosed and/or vacant for at least ninety(90)days and are on the lender's list of current inventory to be placed in a land bank. The purchase price for all properties acquired with NSF Funds during the initial 18 month period shall be discounted at least 15 percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. The County may partner with various community organizations and partners to identify properties suitable for NSP land banking. Properties acquired through this NSP Program for the purpose of being placed in a land bank may be demolished as discussed in Activity#5 - Demolition of Acquired Foreclosed Properties. Collier County will ensure long term affordability though the use of a recorded lien against the property. The County will monitor assisted units on an annual basis during the affordability period. Additionally, all properties receiving assistance from the Neighborhood Stabilization Program (NSF) will be secured by a recorded second mortgage on the subject property in favor of Collier County. The second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold, transferred,refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. Subsequent redevelopment shall abide by all local and state building codes. Collier County will require home -- rehabilitation to meet,or exceed,current Florida Building Code(FBC). The current code used by Collier County is the 2004 FBC; effective March 1,2009 the code will be updated to 2007 FBC. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving assistance. Additionally,the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a large coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a),(c), (e) and(f), and 92.254. The minimum affordability periods are as follows: • Up to$15,000—5 Years • $15,001 to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. An NSP-assisted property may not be held in a land bank for more than ten(10)years without obligating the property for a specific, eligible redevelopment of that property in accordance with NSP requirements. 25 Packet Page-888- 6/14/2016 16.D.3. Agenda Item No. 16D3 November 18, 2008 Collier County shall place program income derived from the sale of the home or residential propEttriBfbcti 39 separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration 1. Total Budget: Narrative Response: Refer to Exhibit"A". The U.S. Department of Housing and Urban Development allows up to 10 percent of the NSP grant provided to Collier County and up to 10 percentof program income earned for general administration and planning activities as those are defined at 24 CFR 570.205 and 206. The 10 percent limitation applies to the grant as a whole. Additionally,HUD recognizes the need to move forward rapidly to prepare this substantial amendment and to undertake other administrative actions. Therefore HUD has granted permission to incur pre-award costs effective September 29, 2008 in preparation of the substantial amendment. J. Performance Measures (e.g., units of housing to be acquired, rehabilitated, or demolished for the income levels of households that are 50 percent of area median income and below, 51-80 percent, and 81-120 percent): Narrative Response: Collier County shall include performance measures in all agreements with local partners contracted with to implement activities described in this Substantial Amendment. Such measures shall ensure funds are expended within the initial NSP required l8-month time period. Collier County shall monitor all progress to ensure the housing activities listed in this amendment are completed in a timely manner and local benefit achieved as soon as possible. Collier County estimates the total number of units assisted with the initial $7,306,755 allocation to be 59. As assisted units are sold or transferred,program income shall return to the County. The County may use the program income received for any activities listed in this substantial amendment, a portion of which may be used for program administration. The following is a list, by income level, of total units of housing to be assisted with NSP Funds: • Low Income—households earning 50%of area median income or less; o 15 units • Moderate Income—households earning between 51%and 80% area median income; o 22 units • Middle Income—households earning between 81%and 120%area median income; o 22 units Summary of Projected Number of Units Assisted Activity Low Moderate' Middle Type Income 1.ncome Income Acquistion for Resale 3 13 13 Acquistion for Rental 6 2 2 Direct Assistance 2 3 3 Demolition 2 3 3 Land Banking 2 1 Total 15 22 22 26 • Packet Page-889- 6/14/2016 16.D.3. 00 0 0 0 0 0 0 ch coo) 0. t) vl O 0 C> 0 O 0 :.,:1) >, yy,� vi d ci 6 6 o N O .0 4.+ r• v) N O O O O to -r,, ,,O t- (4,) 0 0 0 0 L-^ 3 MO Qi NO O O C' O \O O P. u M N. N 0 0 0 0 E� H N Do v N in M m m s9 00 00 00 t�9 0 b9 b9 0 a)Z I* O o 0 co 0 0 0 t„ o O 0 O o o O n d o 0 0 0 0 0 0 0 0 0 0 0 0 0 '^ � ° Z Q� iri O V) 0- O CT 75 0 r3- .-' 0cn0inr1- I M .a. O 11) 69 64 64 64 00 00 44 00 H0 o N O O O o G� C d o 0 o c o CD P. r` N 0 O Cd 0 k A clO O O O iy 'b O O r-- In Q 0 N CA 4S 0 b co ch Q .�.. ONO d 0e o V01 69 69 69 0 EA 00 69 00 Wa Z7 0 >, 0 a � 00000 -`� � 0 kri � ›' N � N00Ctn +- N. tr)O H N.:, q > do t- M O O 0 O N „y �V, Q 0 46 en r- N0N000 'O0 Q Q\ NO O O O Q W • 4 - t- d+ ,-,.c. ~ t1 Wa co 00 00 00 00 00 Ess EA s9 00 O y O C4 ' O °' �" 00 o x ; a x o O 0 F-r a a, 2 . 0 Z 0 w 2 t H Q ..-.. o o � oL. U C.) o o Cr - CI, G1, d v a o 0 — o q b U Q AA U ' ' N iz � - w i H b .E O 1 o w z v ¢ al o- a 0 ti) .,,,,c) 4,. 0 Qbb ❑ -vd Q 0 U z�y+ m W o f d U0 GQ ¢ QxQa � aw„ Packet Page-890- 6/14/2016 16.D.3. THE NSP SUBSTANTIAL AMENDMENT Jurisdiction(s): Collier County NSP Contact Person:Marcy Krumbine Address: 3301 E Tamiami Trail,Health Jurisdiction Web Address: colliergov.net Building, Suite 211,Naples,FL 34112 Telephone: (239) 252-4663 Fax: (239)252-2638 Email: marcykrumbinegcolliergov.net A. AREAS OF GREATEST NEED Provide summary needs data identifying the geographic areas of greatest need in the grantee's jurisdiction. Note:An NSP substantial amendment must include the needs of the entire jurisdiction(s) covered by the program; states must include the needs of communities receiving their own NSP allocation. To include the needs of an entitlement community,the State may either incorporate an entitlement jurisdiction's consolidated plan and NSP needs by reference and hyperlink on the Internet,or state the needs for that jurisdiction in the State's own plan.The lead entity for a joint program may likewise incorporate the consolidated plan and needs of other participating entitlement jurisdictions' consolidated plans by reference and hyperlink or state the needs for each jurisdiction in the lead entity's own plan. HUD has developed a foreclosure and abandonment risk score to assist grantees in targeting the areas of greatest need within their jurisdictions. Grantees may wish to consult this data, in developing this section of the Substantial Amendment. Narrative Response: Collier County is an economically diverse community, with areas of affluence in the coastal communities as well as extreme poverty in other locations. The County is geographically large, encompassing approximately 2,025 square miles. Collier County, with an estimated population of 339,000, is located on the southern gulf coast of the Florida peninsula, due west of Miami-Ft. Lauderdale. The largest of the three incorporated cities in Collier County is Naples, which is located in the western and coastal area. The remaining two incorporated cities of Collier County are Everglades City and the City of Marco Island. Everglades City is located south and east of Naples,while the City of Marco Island lies south of Naples along the Gulf of Mexico. Collier County used the U.S. Department of Housing and Urban Development's (HUD)average foreclosure index score in identifying the target geographies for assistance in the redevelopment of abandoned and foreclosed homes. The destabilization of neighborhoods in Collier County is pervasive,affecting nearly all areas for the County. As such,any efforts to stabilize the local housing market and revitalize the community must be Countywide. Areas at Risk The table on the following page summarizes the average foreclosure index score for eligible census tracts in Collier County. To be considered eligible for assistance an area must be assigned a Max Index Score of nineteen (19)or twenty (20). Packet Page -891- 6/14/2016 16.D.3. Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.06 20 12 20 0104.08 19 16 19 0104.01 19 16 19 0102.03 19 19 19 0105.03 20 18 20 0105.04 20 19 20 0106.02 19 15 19 0106.01 19 19 19 0106.04 19 15 19 0106.03 20 16 20 0105.02 20 17 20 0108.01 19 18 19 0107.02 19 14 19 0108.02 20 8 20 0104.11 20 15 20 0104.09 20 18 20 0104.10 20 19 20 0104.14 20 1 20 0104.13 20 1 20 0108.03 19 1 19 0111.01 20 1 20 0109.01 20 18 20 0109.03 20 12 20 0104.12 20 1 20 0112.04 20 17 20 0113.00 20 9 20 0112.02 20 1 20 0114.00 20 13 20 0104.07 20 1 20 0104.05 20 16 20 0102.02 20 1 20 0003.01 18 18 18 0102.04 20 16 20 0101.04 20 7 20 0101.03 20 1 20 Average Max Index Score 19.69 Qualified 2 Packet Page-892- 6/14/2016 16.D.3. Identified Program Target Areas The Collier County NSP Allocation will target the following three(3)areas for economic and housing redevelopment:East Collier,South Collier and Central Collier. The following tables further define the target areas to include eligible census tracts within each of the three (3)target areas. EAST COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.14 20 1 20 0104.13 20 1 20 0104.12 20 1 20 0112.02 20 1 20 Average Max Index Score 20.00 SOUTH COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0105.04 20 19 20 0106.02 19 15 19 0106.01 19 19 19 0106.04 19 15 19 0106.03 20 16 20 0105.02 20 17 20 0108.01 19 18 19 0107.02 19 14 19 0108.02 20 8 20 0108.03 19 1 19 0111.01 20 1 20 Average Max Index Score 19.45 CENTRAL COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.06 20 12 20 0104.08 19 16 19 0105.03 20 18 20 0104.11 20 15 20 0104.09 20 18 20 0104.10 20 19 20 0104.07 20 1 20 Average Max Index Score 19.86 3 Packet Page -893- 6/14/2016 16.D.3. The map appearing on the following page provides a visual representation of the three (3)target areas. East Collier is depicted in yellow, South Collier is depicted in green and Central Collier is depicted in blue. • 4 Packet Page-894- 6/14/2016 16.D.3. CDLL ER C iUNTY, , 1FLORIDA ,14 04 20?0 CEN;Sus TRACTS tom,�--� ? ,,," )i-J-7-1,ii x` ( t .,..,.,.,.,m.., ' j. 44.04 IRA4 ..du.....- 1 1[ i }k [ s IMA, ; !. 1 C :.lu,.4 I J 01.01 T *7. I Y ....._. _, ..r•., .... w+„ 114.E i Into, �1 , $I 104.03 IOa.14. 1 ( .x.. if103,04 1 t i i [ �- , 104.14.. —-. VIS . ,`' ' . 0/1r".' - '". "."*.". I 10 �4 1 ''''"' f qt.; " .r, Tql-,1-I 4 . �i , 1 aro tot ol iqg'.` tiE canoe ��' 4ill /:' C a.mur�_. 110 �t �� ! "Y) • 41 r N t9 \a S .' i �r z , �1..L,.',',,;,77 ' yet I� ':` t , ('-'' i 1 1[AST[OWMTMWQAAFA !• lfc-ck0 ` t';':-;' �'t f y7' ! i l ftl11[NfOW[RTMGZIAMA. s yS �•'-'.. 1. .;-•s-+.1"";.- � C[NIMLttluKR TA/M[1MtM 5 IE-7-4:-. ...---.• u.w..n `' Packet Page -895- 6/14/2016 16.D.3. B. DISTRIBUTION AND USES OF FUNDS Provide a narrative describing how the distribution and uses of the grantee's NSP funds will meet the requirements of Section 2301(c)(2)of HERA that funds be distributed to the areas of greatest need, including those with the greatest percentage of home foreclosures,with the highest percentage of homes financed by a subprime mortgage related loan,and identified by the grantee as likely to face a significant rise in the rate of home foreclosures. Note: The grantee's narrative must address these three stipulated need categories in the NSP statute,but the grantee may also consider other need categories. Narrative Response: Based upon the County's analysis of the HUD average foreclosure index scores,all three areas are eligible for NSP assistance. Furthermore,the 68%of the targeted census tracts have a max index score of 20,the most severe rating possible under the NSP. The NSP Allocation will be used as described in Section G—NSP Information by Activity. Twenty-five (25)percent of the Collier County NSP Allocation will be used to assist households earning no more than fifty (50)percent of the local area median income. Collier County will continue to monitor local housing data in an effort to determine if an expanded area of assistance is required. Dwelling units assisted with NSP Funds shall be rehabilitated to the extent necessary to comply with applicable laws, codes,and other requirements relating to housing safety,quality, and habitability. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving • assistance. Additionally, the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. C. DEFINITIONS AND DESCRIPTIONS (1) Definition of"blighted structure" in context of state or local law. Narrative Response: Blighted structure, as extracted from 2008 Florida Statute 163.340, is defined as a structure that is deteriorated or deteriorating to the extent that unsanitary or unsafe conditions may threaten the health safety and welfare of the public. Characteristics include,but are not limited to: (a) Unsanitary or unsafe conditions; (b) Deterioration of site or other improvements; (c) Inadequate provision for ventilation, light,air, sanitation or open spaces; (d) The existence of conditions that endanger life of property by fire or other causes. (2) Definition of"affordable rents." Note: Grantees may use the definition they have adopted for their CDBG program but should review their existing definition to ensure compliance with NSP program—specific requirements such as continued affordability. Narrative Response: 6 Packet Page -896- 6/14/2016 16.D.3. The maximum Affordable Rents shall riot exceed the Fair Market Rents(FMR)as published annually by the U.S. Department of Housing and Urban Development for the Naples—Marco Island MSA. The current rates are listed below: Final FY 2009 FMRs By Unit Bedrooms Efficiency One-Bedroom Two-Bedroom Three-Bedroom Four-Bedroom Final FY 2009 FMR $ 868 $ 995 $ 1,120 $ 1,392 $ 1,449 Source:U.S. Department of Housing and Urban Development(2009) (3) Describe how the grantee will ensure continued affordability for NSP assisted housing. Narrative Response: Collier County will ensure long term affordability through the use of a recorded lien against the property. If an owner who has been assisted though this program transfers title to the property before the affordability period expires,the assistance provided by the County will be subject to recapture. The County will monitor assisted units on an annual basis during the affordability period. All properties receiving assistance from the Neighborhood Stabilization Program(NSP)will be secured by a recorded second mortgage on the subject property in favor of Collier County. In the event the unit is transferred to an owner(s)deemed eligible for assistance under NSP guidelines,the amount of assistance will remain in the subject property to provide continued affordability. In the event the unit is transferred to an owner(s)deemed ineligible for assistance under NSP guidelines,the amount of assistance will be recaptured. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a),(c),(e) and(f),and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years (4) Describe housing rehabilitation standards that will apply to NSP assisted activities. Narrative Response: All dwelling units that require rehabilitation must meet local and state building codes. Collier County will require home rehabilitation to meet,or exceed,current Florida Building Code(FBC). The current code used by Collier County is the 2004 FBC; effective March 1,2009 the code will be updated to 2007 FBC. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving assistance. Additionally,the County will strongly encourage the incorporation of green building improvements to provide long-term affordability,increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a large coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. Collier County's Department of Housing and Human Services has a Local Housing Assistance Plan (LHAP), adopted as Ordinance No. 93-19 and Ordinance No.94-39. The referenced ordinances detail the specifications required to bring substandard housing into compliance with local and state building codes. 7 Packet Page -897- 6/14/2016 16.D.3. (5) Definition of"Middle Income Household" A household having an income equal to or less than 120%of area median income, but greater than 80%of area median income,adjusted for household size. (6) Definition of"Moderate Income Household" A household having an income equal to or less than 80%of area median income, but greater than 50%of area median income, adjusted for household size. (7) Definition of"Low Income Household" A household having an income equal to or less than 50%of area median income, adjusted for household size. (8) Definition of"Current Market Appraised Value" The current market appraised value means the value of a foreclosed upon home or residential property that is established through an appraisal made in conformity with the appraisal requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer made for the property by a grantee,subrecipient, developer, or individual homebuyer. (9)Definition of"Abandoned" A home is abandoned when mortgage or tax foreclosure proceedings have been initiated for that property,no mortgage or tax payments have been made by the property owner for at least 90 days,AND the property has been vacant for at least 90 days. (10)Definition of"Blighted Structure" A structure is blighted when it exhibits objectively determinable signs of deterioration sufficient to constitute a threat to human health, safety, and public welfare. (11)Definition of"Foreclosed" A property "has been foreclosed upon"at the point that, under state or local law,the mortgage or tax foreclosure is complete. HUD generally will not consider a foreclosure to be complete until after the title for the property has been transferred from the former homeowner under some type of foreclosure proceeding or transfer in lieu of foreclosure, in accordance with state or local law. (12)Definition of"Land Bank" A land bank is a governmental or nongovernmental nonprofit entity established,at least in part,to assemble, temporarily manage,and dispose of vacant land for the purpose of stabilizing neighborhoods and encouraging re-use or redevelopment of urban property. For the purposes of the NSP Program,a land bank will operate in a specific,defined geographic area. It will purchase properties that have been abandoned or foreclosed upon and maintain,assemble,facilitate redevelopment of, market, and dispose of the land-banked properties. If the land bank is a governmental entity, it may also maintain abandoned or foreclosed property that it does not own, provided it charges the owner of the property the full cost of the service or places a lien on the property for the full cost of the service. 8 Packet Page -898- 6/14/2016 16.D.3. D. LOW INCOME TARGETING Identify the estimated amount of funds appropriated or otherwise made available under the NSP to be used to purchase and redevelop abandoned or foreclosed upon homes or residential properties for housing individuals or families whose incomes do not exceed 50 percent of area median income: $1,827,000.00. Note: At least 25%of funds must be used for housing individuals and families whose incomes do not exceed 50 percent of area median income. Narrative Response: Collier County acknowledges that households earning less than 50%AMI may require affordable rental apartment dwelling units. Therefore the County will explore options for purchase and rehabilitation of multi- family rental apartment dwelling units. Special emphasis shall be placed on providing rental housing to the special needs population, such as elderly or developmentally disabled, earning less than 50%AMI. Some local non-profit housing providers in Collier County have a proven track record of success in providing homeownership units to households earning less than 50%AMI. As such,the County may encourage home ownership should the subject property be shown affordable to the prospective homebuyer. Should a unit acquired and intended for homeownership fail to sell within a timeframe deemed reasonable by Collier County, said unit may be rented to a household earning less than 50%AMI. Should this occur,the Collier County Department of Housing and Human Service's may partner with for-profit or nonprofit organizations to provide services such as,but not limited to,property management services,tenant selection and collection of monthly rental payments. Currently,the Collier County Housing Authority operates a Tenant- Based Rental Assistance(TBRA)Program. The agency has a proven track record of providing a compliant Section 8 Department of Housing and Urban Development rental subsidy program. E.ACQUISITIONS&RELOCATION Indicate whether grantee intends to demolish or convert any low-and moderate-income dwelling units(i.e.,<80% of area median income). If so, include: • The number of low-and moderate-income dwelling units i.e.,<80%of area median income— reasonably expected to be demolished or converted as a direct result of NSP-assisted activities. • The number of NSP affordable housing units made available to low- ,moderate-, and middle-income households—i.e., < 120%of area median income—reasonably expected to be produced by activity and income level as provided for in DRGR,by each NSP activity providing such housing(including a proposed time schedule for commencement and completion). • The number of dwelling units reasonably expected to be made available for households whose income does not exceed 50 percent of area median income. Narrative Response: Should the initial inspection and/or rehabilitation work determine that demolition of the dwelling unit is more cost effective, Collier County may chose to demolish the existing unit and either place the site in the County land bank or construct a new unit on the site. If the cost to rehabilitate the unit is greater than fifty(50)percent 9 Packet Page -899- 6/14/2016 16.D.3. of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred (100)percent loan-to-value,the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP. Rather,the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action (URA)requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety(90)days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90)days. F. PUBLIC COMMENT Provide a summary of public comments received to the proposed NSP Substantial Amendment. Narrative Response: On October 22, 2008 Collier County posted the proposed NSP Substantial Amendment on its website. Additionally,notice of the County's allocation and availability of the proposed NSP Substantial Amendment was advertised in the local Naples Daily News. Below are listed the comments received during the mandatory fifteen(15)day public comment period. Public Comment#1 From:John Barlow • Sent:Wednesday,October 22,2008 8:28 PM To:KrumbineMarcy Subject:RE:Collier County NSP Substantial Amendment • Marcy, I printed out the NSP Draft and scanned it.I will read it in its entirety this weekend.The data in this document screams for the three areas you identified,and supports our rehabilitated home in zip code 34116,which is one of the highest zip codes for foreclosed properties. I like the plan and look forward to doing our part to make this dilapidated homes better,much better. John F.Barlow Response#1 From:KrumbineMarcy Sent:Friday,November 07,2008 12:38 PM To:'John Barlow' Subject:RE:Collier County NSP Substantial Amendment Thank you for your comments. We will include your comments within the public comment section of our NSP Amendment. Marcy Krumbine,MPA Public Comment#2 From:Stephen 1-lruby-AU Sent:Monday,November 03,2008 12:17 PM To:KrumbineMarcy Cc:RamseyFrank • Subject:NAP Grant Submission 10 Packet Page-900- 6/14/2016 16.D.3. Marcy, In preparation for the meeting today,I did a quick overview of the NSP Grant Submission that you posted. I had several comments on various activity narratives. On Activity#1 and#2: • It is not clear,but I assume the county is purchasing,holding title and then reselling the for sale homes and not utilizing a third party non-profit or developer to do so? • If the above is true,what is the intention for retaining and managing the rental property or is it your intention to sell the units with the restrictions on them? Would you consider turning them over to the public housing authority to manage? • It is not clear to me how you intend to renovate the properties. It says the County will scope the work,but you are not clear as to who will do the work. I assume you will retain contractors. What is your procurement process? • You mention in several places that the County may partner with non-profits. What do anticipate they will do and how would you select an procure their services? On Activity#3: • I did not see anything in the narrative that explained what type of assistance and the limits of assistance would be provided to the direct buyer. Can you elaborate? On Activity#4: • Can you expand the contracts of the two service providers you have under contract now or must you re-procure them? Stephen J.Hruby AIA Response#2 From:KrumbineMarcy Sent:Friday,November 07,2008 12:47 PM To:'Stephen Hruby-AU' Cc:RamseyFrank Subject: RE:NAP Grant Submission Thank you for your comments and questions regarding the NSP Grant submission. They will be included in the public comment section of the amendment. To answer your questions,the department has kept the various sections of each activity purposely flexible in order to comply with the strict timeline of the grant. It is our intention to work as quickly and efficiently as possible either in house or with our community partners to acquire and rehabilitate properties within the allotted timeframe. At all times,the processes will adhere to proper procurement procedures. Direct assistance to a homebuyer will not exceed$50,000. Thank you again for your interest and comments. Marcy Krumbine,MPA Public Comment#3 From:Barbara Cacchione Sent:Tuesday,November 04,2008 11:22 AM To:KrumbineMarcy Subject:Public comment The NSP substantial amendment proposed by Collier County targets several specific areas in Collier County which have a high rate of foreclosure,as well as subprime mortgages. I would ask that you consider adding another area which includes Immokalee. immokalee was targeted by HUD as an area of high foreclosure and abandonment risk area according to their data. In addition,there is a high degree of abandoned and dilapidated structures according to the County's own estimates which add to the need for the 11 Packet Page -901- 6/14/2016 16.D.3. Neighborhood Stabilization Program for the area. The Immokalee Community is much smaller in scale so the funding allocated could be less than the other targeted areas. In addition,there is a strong active collaborative effort among the housing nonprofits to effectively leverage the funding that is allocated by turning the funds in to program income and purchasing additional properties. The Immokaiee Housing Collaborative is particularly interested in the Eden Park Neighborhood where there are a number of vacant,. dilapidated homes currently for sale. On behalf of the Immokalee housing nonprofits and the Immokalee Community we would appreciate consideration of an allocation of funding that would include the Immokalee Community. This can be done by providing a percentage of funds that are available for areas outside of the targeted areas identified by the County or by a smaller allocation to the Immokalee Community based on the poor housing conditions that currently exist and the numbers of foreclosures for a smaller community to absorb. I thank you for your consideration and will be happy to discuss this in further detail. Please contact me at your convenience at 239-287-1428 or email at bcacchione(c4comcast.n et. Response#3 From:KrumbineMarcy Sent:Tuesday,November 04,2008 12:56 PM To:'Barbara Cacchione';RamseyFrank Subject:RE:Public comment Thank you for your public comment. The NSP program is very specific in using grant funds for the area of the most need based upon foreclosure rates. The County can ask HUD for an exception and we can explain the pressing needs of the Immokalee community. This will be based on board direction and these comments will be included in the Action Plan. Marcy Krumbine,MPA Public Comment#4 • From:Debi Mahr Sent:Wednesday,November 05,2008 10:48 AM Tot KrumbineMarcy Subject:Public Comment Marcy, Please accept the attached public comment from the Collier County Hunger and Homeless Coalition regarding the County's NSP draft of proposed use of funding. We appreciate the opportunity. Background information and HUD recommendations: The Neighborhood Stabilization Program(NSP)appropriates$3.92 billion to communities and states across the country. Collier County is eligible for$7,306,755.00 to be used for: •Establishing financing mechanisms for purchase and redevelopment of foreclosed homes •Purchasing or rehabilitating homes and residential properties that have been abandoned or foreclosed,in order to sell,rent,or redevelop such homes and properties •Establishing land banks for homes that have been foreclosed upon •Demolishing blighted structures •Redeveloping demolished or vacant properties HUD ideas for how you might use the money to serve the homeless and at-risk population: •Purchase several single-family homes in a neighborhood and create a permanent supportive housing project for homeless persons. •Purchase a single-family home and rehabilitate it to contain two or three apartments to be used as permanent housing for homeless persons. •Purchase a residential property and construct an apartment complex which will be used as permanent housing for homeless persons.. Thank you, Debra Mahr/Executive Director Response#4 12 Packet Page-902- 6/14/2016 16.D.3. From:KrumbineMarcy Sent:Friday,November 07,2008 8:19 AM To:'Debi Mahr' Subject:RE:Public Comment The Department of Housing and Human Services is in receipt of your public comment for the draft of the NSP Action Plan. In your comment,you propose the increase of funding for 50%and below of the AMI to 40%.Your comments will be included in the Action Plan and presented to the Board of County Commissioners. Please understand that the grant only provides for housing units and does not provide any operating funds for these units. In speaking with various members of the HUD staff in Washington,DC and local housing partners who serve those needing transitional or permanent housing for the very low income of Collier County,there is a concern about staffing for expanded housing services. While Housing and Human Services is the lead agency for the Continuum of Care and understands the need,it is critical for us to assure that any units dedicated to 50%of the AMI or below can and will be properly managed by our area agencies. As we move forward,we will indeed look to formalize partnerships with agencies that have the capacity to take on additional property management for the very low income,elderly,special needs,homeless and those at risk. Marcy Krumbine,MPA Public Comment#5 November 6,2008 Marcy Krumbine Director Collier County Housing&Human Services 3050 North Horseshoe Drive,Suite 110 Naples,FL 34104 Re:Action Plan for Neighborhood Stabilization Program Dear Ms.Krumbine: Thank you for including the Collier County Housing Authority in the Action Plan,as a potential partner with Collier County,in meeting the needs of the county through the Neighborhood Stabilization Program,particularly the 25%targeted to individuals and families at 50%AMI or below. Our considerable experience includes dealing with very low income households through the federal programs we administer. That experience and skills involves all aspects of property management and familiarity with some of the federal compliance requirements. Farm Worker Village,a multi-family development of 611 units,is one of the three developments that we own and manage in lmmokalee. We also have a track record in the administration of a Section 8 Housing Choice Voucher Program,a rental subsidy program,county-wide.One of the components of that program involves conducting inspections of housing units utilizing HUD's Housing Quality Standards. We stand ready to assist and partner with you and your department in meeting the local goals as described in the action plan,as well in the following manner: 1. Multifamily projects could be deeded to the Housing Authority for potential use as new affordable housing for families at 50%or less AMI with the understanding that deed restrictions would apply. 2. Scattered single family units could be deeded to the Housing Authority for use as scattered site affordable housing rentals where mortgages/gap financing may not be available for families with the understanding that deed restrictions would apply. 3. Work with the Continuum of Care partners in providing housing for homeless families or individuals,that at risk,elderly or special needs. 4. Work with local partners to create a land bank of properties. Thank you again for the potential opportunity to partner with the county in addressing the affordable housing issues in the community. Sincerely, Esmeralda Serrata,PHM Executive Director 13 Packet Page -903- 6/14/2016 16.D.3. Response#5 None. G. NSP INFORMATION BY ACTIVITY(COMPLETE FOR EACH ACTIVITY) Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale (1) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Resale (2) Activity Type: Acquisition and Rehabilitation of Foreclosed Properties for Resale • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n)Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties(HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date:February 13, 2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing and Human Services; 3301 E Tamiami Trail, Building H, Suite 211,Naples,FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses;the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: 14 Packet Page-904- 6/14/2016 16.D.3. • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing and Human Services will be the lead agency in working with local lenders to acquire homes that have been foreclosed,vacant for at least ninety (90)days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSP assistance. Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity,as well as administering U.S.Department Housing and Urban Development grant funds, may be solicited to perform all or parts of this activity. The Department of Housing and Human Services will consult the County's list of approved contractors and developers when rehabilitation is required. The County shall identify properties for sale in the areas of greatest need. If required,a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one(1)percent from the current market-appraised value of the home or residential property and that such discount shall ensure that purchasers are paying below-market value for the home or property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required, rehabilitation shall be completed and the subject property will be sold to an income eligible applicant earning no more than 120%of local area median income. The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium, local banks,FHA or USDA. The interest rate shall not exceed one (1) percent above the then current 60 day Fannie Mae Index. Additionally,no mortgage insurance is allowed(the only exception being FHA Home Loans),all loans shall be fully documented, no pre-payment penalties are permitted,closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County Department of Housing and Human Services. All lenders providing first mortgage financing for homes or residential properties assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency,Board of Governors of the Federal Reserve System,Federal Deposit Insurance Corporation,Department of the Treasury,and National Credit Union Administration, available at http://www.fdic.gov/regulations/laws/rules/5000-5160.html. A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide principal reduction and increase affordability. The homes targeted for NSP assistance will be properties that have been foreclosed,bank-owned,and vacant for at least ninety (90) days. The County shall negotiate with local banks to purchase properties at a discount rate of at least 15 percent from the current market-appraised value. The current market appraisal will be made in 15 Packet Page-905- 6/14/2016 16.D.3. conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home or residential property into compliance with current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County shall prepare a written Rehabilitation Specification Report for each property to be used to describe in detail the required rehabilitation and establishment of a cost estimate for the work plan. Additionally,the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a large coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. Collier County will ensure long term affordability though the use of a recorded lien against the property. If an owner who has been assisted though this program transfers title to the property before the affordability period expires,the assistance provided by the County will be subject to recapture. The County will monitor assisted units on an annual basis during the affordability period. All properties receiving assistance from the NSP will be secured by a recorded second mortgage on the subject property in favor of Collier County. In the event the unit is transferred to an owner(s) deemed eligible for assistance under NSP guidelines,the amount of assistance will remain in the subject property to provide principal reduction. In the event the unit is transferred to an owner(s)deemed ineligible for assistance under NSP guidelines,the amount of assistance will be recaptured. The principal reduction second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold,transferred,refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e)and(f),and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years The Collier County Department of Housing and Human Service's shall maintain an active list of income- qualified and mortgage ready applicants. Under direction from the Housing Manager, staff members shall meet with and pre-qualify potential homebuyers on a regular basis. The applicant(s)will be qualified based on criteria such as household income,job stability,credit history and liquidity. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning Iess than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. All applicants must receive at least eight(8)hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. In the event Collier County is unable to sell the acquired home or residential property,the County may, at its sole discretion,deed the property to the Collier County Housing Authority or nonprofit provider of affordable housing. All affordability restrictions listed above shall still apply and the unit(s)must be occupied by • 16 Packet Page-906- 6/14/2016 16.D.3. households earning no more than 120 percent of the local area median income. Special preference shall be given to those who are currently homeless, at risk of homelessness, elderly or special needs. All tenants must be income-qualified and rents may not exceed the limits as established in Section C.Definitions and Descriptions,(2) Definition of"affordable rents". Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#2-Acquisition and Rehabilitation of Foreclosed Properties for Rental (1) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Rental (2) Activity Type:Acquisition and Rehabilitation of Foreclosed Properties for Rental • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell, rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n)Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties(HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective:Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing and Human Services; 3301 E Tamiami Trail,Building H, Suite 211,Naples,FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses;the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. 17 Packet Page -907- 6/14/2016 16.D.3. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing and Human Services will be the lead agency in working with local lenders to acquire homes that have been foreclosed,vacant for at least ninety(90)days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSP assistance. Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity,as well as administering U.S. Department Housing and Urban Development grant funds, may be solicited to perform all or parts of this activity. The Department of Housing and Human Services will consult the County's list of approved contractors and developers when rehabilitation is required. The County shall identify properties for sale in the areas of greatest need. If required, a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. Collier County will assist those areas defined in Section A.Areas of Greatest Need—Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one(1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required,rehabilitation shall be completed and the subject property will be rented to an income eligible applicant earning no more than 120%of local area median income. Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home into compliance current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County shall prepare a written Rehabilitation Specification Report for each property to be used to describe in detail the required rehabilitation and establishment of a cost estimate for the work plan. Additionally,the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a large coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. Collier County will ensure long term affordability though the use of a recorded lien against the property. All rents charged shall conform to the Fair Market Rents(FMR) limits as defined in Section C.Definitions and • 18 Packet Page-908- 6/14/2016 16.D.3. Descriptions,Part 2, as amended from time to time by the U.S Department of Housing and Urban Development. The County will monitor assisted units on anannual basis during the affordability period. All properties receiving assistance from the Neighborhood Stabilization Program (NSP)will be secured by a recorded second mortgage on the subject property in favor of Collier County. The interest rate shall be 0%. In the event the unit(s) is transferred,refinanced or operated for an activity deemed ineligible for assistance under NSP guidelines,the amount of assistance will be recaptured. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a),(c), (e)and (0, and 92.254. The minimum affordability periods are as follows: • Up to$15,000—5 Years • $15,001 to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide a subsidy to the renter and increase the subject property's affordability. Collier County shall place program income derived from the rental operations of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration. The Collier County Department of Housing and Human Service's may partner with for-profit or nonprofit organizations to provide services such as,but not limited to,property management services,tenant selection and • collection of monthly rental payments. Currently,the Collier County Housing Authority operates a Tenant- Based Rental Assistance(TBRA) Program. The agency has a proven track record of providing a compliant Section 8 Department of Housing and Urban Development rental subsidy program. The TBRA program is designed to include a preference for those who are currently homeless, at risk of homelessness, elderly or special needs while meeting the fluctuating demands for housing. Collier County or its housing partner may contact local social service agencies for tenant referrals. Currently, the following agencies provide referrals for the TBRA program: St. Matthew's House, Shelter for Abused Women and Children, Salvation Army, Catholic Charities,Collier County School Resources and Immokalee Friendship House. Applicants seeking assistance through the TBRA program are required to meet income guidelines and are subject to criminal background screening. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#3—Purchase Assistance to Acquire Foreclosed Properties (1) Activity Name:Purchase Assistance to Acquire Foreclosed Properties (2) Activity Type:Purchase Assistance to Acquire Foreclosed Properties • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; 19 Packet Page -909- 6/14/2016 16.D.3. • 24 CFR 570.201(b) Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n) Direct homeownership assistance(as modified below); a 570.202 eligible rehabilitation and preservation activities for homes and other residential properties(HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing and Human Services;3301 E Tamiami Trail,Building H, Suite 211,Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses;the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing and Human Services will be the lead agency in working with Iocal residents to acquire homes that have been foreclosed,vacant for at least ninety (90)days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to assist persons locate properties suitable for NSP assistance. Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity,as well as administering U.S. Department Housing and Urban Development grant funds,may be solicited to perform all or parts of this activity. 20 Packet Page-910- 6/14/2016 16.D.3. The Purchase Assistance Activity shall assist first-time homebuyers by paying a principal reduction for the proposed purchase. The activity provides assistance for the purchase of single family homes,duplexes, condominiums,townhouses or DCA approved manufactured homes. Collier County will assist those areas defined in Section A.Areas of Greatest Need—Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one(1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the applicant. All households assisted must earn no more than 120 percent of the local area median income. The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium, local banks, FHA or USDA. The interest rate shall not exceed one(1)percent above the then current 60 day Fannie Mae Index. Additionally,no mortgage insurance is allowed (the only exception being FHA Home Loans), all loans shall be fully documented,no pre-payment penalties are permitted,closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County Department of Housing and Human Services. All applicants must receive at least eight(8)hours of homebuyer education from a U.S.Department of Housing and Urban Development certified counselor. All lenders providing first mortgage financing for homes or residential properties assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System,Federal Deposit Insurance Corporation,Department of the Treasury,and National Credit Union Administration,available at http://www.fdic.gov/regulations/lawshrules/5000-5160.html. Collier County will ensure long term affordability though the use of a recorded lien against the property. The County will monitor assisted units on an annual basis during the affordability period. Additionally,all properties receiving assistance from the NSP will be secured by a recorded second mortgage on the subject property in favor of Collier County. The purchase assistance second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold,transferred,refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. All applicants will be taken on a first-come-first-served basis. Applicants must meet NSP income guidelines, as well as the following:applicant must be a first time home buyer,defined as not having home ownership interest in a residential property during the past three(3)years,a single parent with children under the age of eighteen (18)who has recently been divorced and displaced,a displaced victim of domestic violence,or a person displaced as the result of some government action;the assisted residential property must be located within the boundaries of Collier County,Florida and the purchase price may not exceed $200,000. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a),(c), (e)and(f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to$40,000--- 10 Years 21 Packet Page-911- 6/14/2016 16.D.3. • Over$40,001 — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. All applicants must receive at least eight(8)hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. Activity#4—Demolition of Acquired Foreclosed Properties (1) Activity Name: Demolition of Acquired Foreclosed Properties (2) Activity Type: Demolition and Clearance of Foreclosed Properties • Demolish blighted structures; • 24 CFR 570.201(d)Clearance for blighted structures only. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing and Human Services; 3301 E Tamiami Trail,Building H, Suite 211,Naples,FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A.Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses;the expected benefit to income-qualified persons;and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate 22 Packet Page-912- 6/14/2016 16.D.3. For financing activities, include: • range of interest rates Narrative Response: Homes or residential properties acquired through the NSP that are not economically feasible to rehabilitate, pose a health threat or pose safety threat, may be demolished. Demolished properties may be placed in a land bank maintained by Collier County or provided to a local nonprofit provider of affordable housing. Additionally,NSP Funds may be used to construct a new home on the site. Collier County will assist those areas defined in Section A.Areas of Greatest Need—Identified Program Target Areas. If the cost to rehabilitate the unit is greater than fifty(50) percent of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred(100)percent loan-to-value,the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP. Rather,the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action (URA)requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety(90)days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90)days. Should Collier County or its housing partner construct a new unit on the site,such activity shall be governed by NSP guidelines as discussed in Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale. Additionally,all households assisted must earn no more than 120 percent of the local area median income. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a),(c), (e)and (f),and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to$40,000— 10 Years • Over$40,001. — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration. Activity#5—Land Banking of Acquired Properties (1) Activity Name: Land Banking of Acquired Properties (2) Activity Type: Land Banking of Acquired Properties • Establish land banks for homes that have been foreclosed upon; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b) Disposition. 23 Packet Page -913- 6/14/2016 16.D.3. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing and Human Services; 3301 E Tamiami Trail, Building H, Suite 211,Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A.Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses;the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County may acquire properties that have been foreclosed and/or vacant for at least ninety(90)days and are on the lender's list of current inventory to be placed in a land bank. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one (1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. The County may partner with various community organizations and partners to identify properties suitable for NSP land banking. Properties acquired through this NSP Program for the purpose of being placed in a land bank may be demolished as discussed in Activity#5 -Demolition of Acquired Foreclosed Properties. Collier County will assist those areas defined in Section A.Areas of Greatest Need—Identified Program Target Areas. Collier County will ensure long term affordability though the use of a recorded lien against the property. The County will monitor assisted units on an annual basis during the affordability period. Additionally,all 24 Packet Page -914- 6/14/2016 16.D.3. properties receiving assistance from the NSP will be secured by a recorded second mortgage on the subject property in favor of Collier County. The second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold, transferred, refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. Subsequent redevelopment shall abide by all local and state building codes. Collier County will require home rehabilitation to meet, or exceed,current Florida Building Code(FBC). The current code used by Collier County is the 2004 FBC; effective March 1,2009 the code will be updated to 2007 FBC. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving assistance. Additionally,the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. Collier County encompasses a large coastal area that subjects the residents to the risk of hurricanes and severe flooding. The County will encourage hurricane hardening and damage mitigation during rehabilitation. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c),(e)and (f), and 92.254. The minimum affordability periods are as follows: • Up to$15,000—5 Years • $15,001. to$40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. An NSP-assisted property may not be held in a land bank for more than ten(10)years without obligating the property for a specific,eligible redevelopment of that property in accordance with NSP requirements. Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration I. Total Budget: $7,306,755 Narrative Response: Refer to Exhibit"A". The U.S. Department of Housing and Urban Development allows up to 10 percent of the NSP grant provided to Collier County and up to 10 percent of program income earned for general administration and planning activities as those are defined at 24 CFR 570.205 and 206. The 10 percent limitation applies to the grant as a whole. Additionally,HUD recognizes the need to move forward rapidly to prepare this substantial amendment and to undertake other administrative actions. Therefore HUD has granted permission to incur pre-award costs effective September 29,2008 in preparation of the substantial amendment. 25 Packet Page -915- 6/14/2016 16.D.3. J. Performance Measures(e.g., units of housing to be acquired, rehabilitated, or demolished for the income levels of households that are 50 percent of area median income and below, 51-80 percent, and 81-120 percent): Narrative Response: Collier County shall include performance measures in all agreements with local partners contracted with to implement activities described in this Substantial Amendment. Such measures shall ensure funds are expended within the initial NSP required 18-month time period. Collier County shall monitor all progress to ensure the housing activities listed in this amendment are completed in a timely manner and local benefit achieved as soon as possible. Collier County estimates the total number of units assisted with the initial $7,306,755 allocation to be 59. As assisted units are sold or transferred,program income shall return to the County. The County may use the program income received for any activities listed in this substantial amendment, a portion of which may be used for program administration. The following is a list, by income level, of total units of housing to be assisted with NSP Funds: • Low Income—households earning 50%of area median income or less; o 15 units • Moderate Income—households earning between 51.%and 80%area median income; o 22 units • Middle Income—households earning between 81%and 120%area median income; o 22 units • Summary of Projected Number of Units Assisted Activity Low Moderate Middle Type Income Income Income Acquisition for Resale 3 13 13 Acquisition for Rental 12 2 2 Direct Assistance 0 3 3 Demolition 0 3 3 Land Banking 0 1 1 Total 15 22 22 26 Packet Page-916- 6/14/2016 16.D.3. The Collier County Neighborhood Stabilization Program Substantial Amendment is adopted this 27th day of April,2010. ATTEST: ";'f , BOARD OF COUNTY COMMISSIONERS DWIGHT E:$ROCK,CLERK COLLIER COUNTY,FLORIDA • ti. *40_.. w. BY: 1' -• , ' r BY: IZ /)O • Attest se:.av' a+i4 ' E'- CLERK FRED W.COYLE,CHAIRMAN ; $igMathre i vii; ;'._,, , ' APPROVED AS TO FORM ND LEGAL SUFFICIENCY COLLEEN GREENE ASSISTANT COUNTY ATTORNEY 27 Packet Page -917- • 6/14/2016 16.D.3. • • • .,ta '4,1r .., r . Ck('"''y'.l+i° "� i s..A hiu4a'Vr r .1 z �i'.(raT NOTICOFiSUBSTANTIALA ENRNIET r I EjCO LIERRCOUNTY FY 2008 200 " s ACTION P t N TO E PAND hE.TAR�iET AREA`S OF V-4 NEIGHBORHOOD STABILIZATION PROGRAM ° k r C, v IGH r lib0,� z^w-+ „1. vr �1b r - a r;�i '�{w' "t >The'Collier County, 10.usmg and+Human ero( De� rtrrient tf d pr p se"Fla,i�*4r A stantial ameniment to the FY20082004 A2tionrPlah which vft 1tf expand(he;ttti '. r'get areas of Ythe Neighbor(ood Stabilizatig .progr The Nel hborl1oqod Stab lz It tion Program was estahlishec by fhe Depa die qmf Housm yi,Urban � 14 ment'(HUD)throughit 4 Coplmun lock n 101 )rlPrsgrtf y det ( fid' z.m9 and Economic Rec ety Act of 2008 jHERA ' x 4 f Collier County was allocated 7 3 35 i1 3 Ad e iif- -,, 'p+ , assisting in t a red elop g ofsjfo close,, t) radon r s �i dCb + . ttyy has determined' ear as`at re est r A) ld'the c n�at H upgr �' HUD`guidelines and,they are identified in She;A is(O,Plan If afi proved b UD'-thSa • following'census tracts will comprise the't�arg Yeteas, 0i0414;"01041; 10412;ii';` 0112 02 010504 0106 02 0106.01; 010504 0603 0105 02,t�ft)108,01 107 02';, 0108 02 010803 0111 01 0104 08010409; 0j'tl55.03; 1041 0104.0099 t 0104.)O ; .0104 7 a , t r n ,, 7, , 4 rt 'Neighborhood'Stabilization 1l�ogra1'n'ulde afe#ha It f er4T rt p is to pe used to at(d,)ess thy ousjin�gg;i,eels derat ',Ydi )II n r! persops,8 HUD'defirotion�m)d.dle,lncom'e 1 oxer are stili* tw'e`e 81%.:/9"P.,1',---•-0the area annual.median in'ometi(55'aS.l t'o'$83760' eugqea�'ffoa. ".; family o" 'Mdderate income persbns.am t ose'earnin ,e eenf59h' F`80%area:median income($34901;and$55;850-,,per year moi,.,gily,of.f`our)� '1,)i',;; income persons are^those earning below 50%of area u $34 900 fora family of four) Moreover twenty five(2S ) ndi $x 27,1 ) will be used to serve the housing needs of Ibw:incom�persons.'t''5 ,k`�, 0i Citi2efli comfient period for this �y{hdme t;Is fi teen'(15)dais+,from date of'-.this. . *3:Publication rCopies of the p%n 6M.Pq pfckeG'up at 330)E Tam(0ami TralIrBuliding. H(Suite 211,Naples Florida 34112 or,,dg7NnIoade iron's tite Collie(;'County Housing and Human Services webpage at www,dllierrn9:netihfpiling f 7 k, NDNsta''''S ' h , rt Ir Pleasepublish Qq.. iWe on Friday.AP iI 9 20 (a+1and protide Probf o r publication tg Collier County l'ousi g and Human Services zTBMiemi Trail,Building Et:,Suite 211 Naples FIS"fd 434112 For questions regarding-this a,1,--1.pase contact F a Ramsey at frankramsey®colliergov net a '• i . ,*. '••••In.i r Aori14.201n sl - ''� � -- '�� • Not 7246=-W • • • • • _ • • • • • Packet Page -918- 6/14/2016 16.D.3. el. J 1 t THE NSP SUBSTANTIAL AMENDMENT Jurisdiction(s): Collier County NSP Contact Person: Kimberley Grant Address: 3339 Tamiami Trail E, Suite 211, Jurisdiction Web Address: colliergov.net Naples,FL 34112 Telephone: (239) 252-4663 Fax: (239) 252-2638 Email: kimberleygrant@colliergov.net A. AREAS OF GREATEST NEED Provide summary needs data identifying the geographic areas of greatest need in the grantee's jurisdiction. Note: An NSP substantial amendment must include the needs of the entire jurisdiction(s) covered by the program; states must include the needs of communities receiving their own NSP allocation. To include the needs of an entitlement community, the State may either incorporate an entitlement jurisdiction's consolidated plan and NSP needs by reference and hyperlink on the Internet, or state the needs for that jurisdiction in the State's own plan. The lead entity for a joint program may likewise incorporate the consolidated plan and needs of other participating entitlement jurisdictions' consolidated plans by reference and hyperlink or state the needs for each jurisdiction in the lead entity's own plan. HUD has developed a foreclosure and abandonment risk score to assist grantees in targeting the areas of greatest need within their jurisdictions. Grantees may wish to consult this data, in developing this section of the Substantial Amendment. Narrative Response: Collier County is an economically diverse community, with areas of affluence in the coastal communities as well as extreme poverty in other locations. The County is geographically large, encompassing approximately 2,025 square miles. Collier County, with an estimated population of 339,000, is located on the southern gulf coast of the Florida peninsula, due west of Miami-Ft. Lauderdale. The largest of the three incorporated cities in Collier County is Naples, which is located in the western and coastal area. The remaining two incorporated cities of Collier County are Everglades City and the City of Marco Island. Everglades City is located south and east of Naples,while the City of Marco Island lies south of Naples along the Gulf of Mexico. Collier County used the U.S. Department of Housing and Urban Development's (HUD) average foreclosure index score in identifying the target geographies for assistance in the redevelopment of abandoned and foreclosed homes. The destabilization of neighborhoods in Collier County is pervasive, affecting nearly all areas for the County. As such, any efforts to stabilize the local housing market and revitalize the community must be Countywide. Areas at Risk The table on the following page summarizes the average foreclosure index score for eligible census tracts in Collier County. To be considered eligible for assistance an area must be assigned a Max Index Score of nineteen(19)or twenty(20). 1 Packet Page -919- 6/14/2016 16.D.3. A. .c. i I Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.06 20 12 20 0104.08 19 16 19 0104.01 19 16 19 0102.03 19 19 19 0105.03 20 18 20 0105.04 20 19 20 0106.02 19 15 19 0106.01 19 19 19 0106.04 19 15 19 0106.03 20 16 20 0105.02 20 17 20 0108.01 19 18 19 0107.02 19 14 19 0108.02 20 8 20 0104.11 20 15 20 0104.09 20 18 20 0104.10 20 19 20 0104.14 20 1 20 0104.13 20 1 20 0108.03 19 1 19 0111.01 20 1 20 0109.01 20 18 20 0109.03 20 12 20 0104.12 20 1 20 0112.04 20 17 20 0113.00 20 9 20 0112.02 20 1 20 0114.00 20 13 20 0104.07 20 1 20 0104.05 20 16 20 0102.02 20 1 20 0003.01 18 18 18 0102.04 20 16 20 0101.04 20 7 20 € 0101.03 20 1 20 Average Max Index Score 19.69 Qualified • k 2 Packet Page-920- Asa 6/14/2016 16.D.3. Identified Program Target Areas The Collier County NSP Allocation will target the following three (3) areas for economic and housing redevelopment: East Collier, South Collier and Central Collier. The following tables further define the target areas to include eligible census tracts within each of the three (3)target areas. EAST COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.14 20 1 20 0104.13 20 1 20 0104.12 20 1 20 0112.02 20 1 20 Average Max Index Score 20.00 SOUTH COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0105.04 20 19 20 0106.02 19 15 19 0106.01 19 19 19 0106.04 19 15 19 0106.03 20 16 20 0105.02 20 17 20 0108.01 19 18 19 0107.02 19 14 19 0108.02 20 8 20 0108.03 19 1 19 0111.01 20 1 20 Average Max Index Score 19.45 CENTRAL COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.06 20 12 20 0104.08 19 16 19 0105.03 20 18 20 0104.11 20 15 20 0104.09 20 18 20 0104.10 20 19 20 3 Packet Page -921- ^ .. ,.,.?'oY 6/14/2016 16.D.3. 0104.07 I 20 I 1 20 Average Max Index Score 19.86 The map appearing below provides a visual representation of the three (3) target areas. East Collier is depicted in yellow, South Collier is depicted in green and Central Collier is depicted in blue. COLLIER$$ CO 'ORIDA I( --'',,,cc-, � Y4 2000 CENSUS TRACTS = x #. 9M.04 IRAs j iE , g. 101.05 tl x ..4 —_ ns ca t I0E01 �.f `_ _ MOTOR - 1 1 10405 104.11 ..r.._ lr 11 104.14 I I , .. ♦Pe � '12:-'4 I ... 1043$ TTTG 9 L: ir fii. � �4 .., „, , 1 ......, A ;"s; ,!,..,1 x pR t E. 1. 1 %, --, ,.—, ,.....„.. , 1, N„,,,,,,,,,,1 MOM 1 ` I r fff . • 'sic, t,, r" c.F - i "�..: ss. y r in uhf,.. a. A „J 1 A N TV s, ae d ,z[ h rq o .1J.a � ' t EAST COLLAR TARGET AREA a 4 ..--rn;;;7,1".47”— SOUTNCOWER TARGET AREA n....+.-.I► ........,, ..... ..__ ®CEMRAL COWER TARGET AREA xu., ,, Packet Page -922- 1 6/14/2016 16.D.3. 1. 1 1 B. DISTRIBUTION AND USES OF FUNDS Provide a narrative describing how the distribution and uses of the grantee's NSP funds will meet the requirements of Section 2301(c)(2) of HERA that funds be distributed to the areas of greatest need, including those with the greatest percentage of home foreclosures, with the highest percentage of homes financed by a subprime mortgage related loan, and identified by the grantee as likely to face a significant rise in the rate of home foreclosures. Note: The grantee's narrative must address these three stipulated need categories in the NSP statute,but the grantee may also consider other need categories. Narrative Response: Based upon the County's analysis of the HUD average foreclosure index scores, all three areas are eligible for NSP assistance. Furthermore, the 68% of the targeted census tracts have a max index score of 20, the most severe rating possible under the NSP. The NSP Allocation will be used as described in Section G — NSP Information by Activity. Twenty-five (25) percent of the Collier County NSP Allocation will be used to assist households earning no more than fifty (50) percent of the local area median income. Collier County will continue to monitor local housing data in an effort to determine if an expanded area of assistance is required. Dwelling units assisted with NSP Funds shall be rehabilitated to the extent necessary to comply with applicable laws, codes, and other requirements relating to housing safety, quality, and habitability. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving assistance. Additionally, the County will strongly encourage the incorporation of green building improvements to provide long-teini affordability, increased sustainability and attractiveness of housing and neighborhoods. C. DEFINITIONS AND DESCRIPTIONS (1) Definition of"blighted structure" in context of state or local law. Narrative Response: Blighted structure, as extracted from 2008 Florida Statute 163.340, is defined as a structure that is deteriorated or deteriorating to the extent that unsanitary or unsafe conditions may threaten the health safety and welfare of the public. Characteristics include,but are not limited to: (a) Unsanitary or unsafe conditions; (b) Deterioration of site or other improvements; (c) Inadequate provision for ventilation, light, air, sanitation or open spaces; (d) The existence of conditions that endanger life of property by fire or other causes. (2) Definition of"affordable rents." Note: Grantees may use the definition they have adopted for their CDBG program but should review their existing definition to ensure compliance with NSP program —specific requirements such as continued affordability. Narrative Response: 5 Packet Page -923- 4 6/14/2016 16.D.3. qua The maximum Affordable Rents shall not exceed the Fair Market Rents (FMR) as published annually by the U.S. Department of Housing and Urban Development for the Naples — Marco Island MSA. The current rates are listed below: Final FY 2012 FMRs By Unit Bedrooms Efficiency One-Bedroom Two-Bedroom Three-Bedroom Four-Bedroom Final FY 2012 FMR $ 813 $ 932 $ 1,049 $ 1,304 $ 1,357 Source: U.S. Department of Housing and Urban Development(2012) (3) Describe how the grantee will ensure continued affordability for NSP assisted housing. Narrative Response: 24 CFR 92.252(a), (c),(e),and(f),and 92.254 Homeownership: Long-Term Affordability The NSP1-assisted housing must meet the affordability requirements for not less than the applicable period specified in the following table,beginning after project completion. These restrictions are a minimum and Collier County may elect to impose longer affordability periods. The per unit amount of NSP1 funds and the affordability period that they trigger are described more fully below under"Homeownership: Recapture Provisions." Homeownership assistance NSP1 amount per-unit Minimum period of affordability in years Under $15,000 5 $15,000 to $40,000 10 Over $40,000 15 Homeownership: Recapture Provisions The recapture provisions will ensure that Collier County, Developer,or Subrecipient recoups all or a portion of the NSP 1 assistance benefiting the homebuyer, if the housing does not continue to be the principal residence of the family for the duration of the period of affordability. The period of affordability is based upon the total amount of NSP 1 funds subject to recapture described above. Collier County,Developer,or Subrecipient may choose to recapture the entire amount of NSP 1 assistance or a reduced amount on a prorata basis for the time the homeowner has owned and occupied the housing measured against the required affordability period. The net proceeds may be divided proportionally as set forth in the following mathematical formulas: NSPI investment X Net proceeds=NSP1 amount to County NSP1 investment+homeowner investment homeowner investment X Net proceeds=amount to homeowner NSP1 investment+homeowner investment 6 Packet Page-924- Al A I • 6/14/2016 16.D.3. Collier County, Developer, or Subrecipient may permit the homebuyer to recover the homebuyer's entire investment (downpayment and capital improvements made by the owner since purchase) before recapturing the NSP1 investment. Rental: Long-Term Affordability The NSP1-assisted units must meet the affordability requirements for not less than the applicable period specified below, beginning after project completion. The affordability requirements for NSP 1-assisted rental units apply without regard to the term of any loan or mortgage or the transfer of ownership, except that the affordability restrictions may terminate upon foreclosure or transfer in lieu of foreclosure. Collier County, Developer, or Subrecipient will enforce long-term affordability through the use of a recorded lien,covenant, or deed restriction against the assisted property. Rental housing activity Minimum period of affordability in years Rehabilitation or acquisition of existing housing per unit amount ofNSP1 funds: Under 5 $15,000 $15,000 to$40,000 10 Over$40,000 or rehabilitation involving 15 refinancing New construction or acquisition of newly constructed 20 housing Subsequent rents during the affordability period will be calculated and applied in conformance with 24 CFR 92.252(f). (4) Describe housing rehabilitation standards that will apply to NSP assisted activities. Narrative Response: All NSP1-assisted housing will be required to meet or exceed local and state building codes. All units that require rehabilitation must meet or exceed the current Florida Building Code(FBC). The current code applied in Collier County is 2007 FBC. (5) Definition of"Middle Income Household" A household having an income equal to or less than 120% of area median income, but greater than 80% of area median income, adjusted for household size. (6) Definition of"Moderate Income Household" A household having an income equal to or less than 80% of area median income, but greater than 50% of area median income, adjusted for household size. (7) Definition of"Low Income Household" A household having an income equal to or less than 50% of area median income, adjusted for household size. 7 Packet Page -925 . � �,s,'^.Y''4'i., a r •" ka ! -:;;o->>a— ini ; _ i..,..5 "�..'-,:z� .< "ia�"' t t;'�,�it4s '+ e k., t-, .. _ . 6/14/2016 16.D.3. i .1. 1 1 (8) Definition of"Current Market Appraised Value" The current market appraised value means the value of a foreclosed upon home or residential property that is established through an appraisal made in conformity with the appraisal requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer made for the property by a grantee, subrecipient, developer, or individual homebuyer. (9)Definition of"Abandoned" A home is abandoned when mortgage or tax foreclosure proceedings have been initiated for that property, no mortgage or tax payments have been made by the property owner for at least 90 days, AND the property has been vacant for at least 90 days. (10)Definition of"Blighted Structure" A structure is blighted when it exhibits objectively determinable signs of deterioration sufficient to constitute a threat to human health, safety,and public welfare. (11)Definition of"Foreclosed" A property "has been foreclosed upon" at the point that, under state or local law, the mortgage or tax foreclosure is complete. HUD generally will not consider a foreclosure to be complete until after the title for the property has been transferred from the former homeowner under some type of foreclosure proceeding or transfer in lieu of foreclosure, in accordance with state or local law. (12)Definition of"Land Bank" A land bank is a governmental or nongovernmental nonprofit entity established, at least in part, to assemble, temporarily manage, and dispose of vacant land for the purpose of stabilizing neighborhoods and encouraging re-use or redevelopment of urban property. For the purposes of the NSP Program, a land bank will operate in a specific, defined geographic area. It will purchase properties that have been abandoned or foreclosed upon and maintain, assemble, facilitate redevelopment of,market, and dispose of the land-banked properties. If the land bank is a governmental entity, it may also maintain abandoned or foreclosed property that it does not own, provided it charges the owner of the property the full cost of the service or places a lien on the property for the full cost of the service. D. LOW INCOME TARGETING Identify the estimated amount of funds appropriated or otherwise made available under the NSP to be used to purchase and redevelop abandoned or foreclosed upon homes or residential properties for housing individuals or families whose incomes do not exceed 50 percent of area median income: $1,827,000.00. Note: At least 25%of funds must be used for housing individuals and families whose incomes do not exceed 50 percent of area median income. Narrative Response: Habitat for Humanity of Collier County, Inc. ("Habitat for Humanity) has a proven track record of success in providing homeownership units to households earning less than 50% AMI. As such, Collier County will 8 Packet Page-926- fic.,..,!'rtE.?.3zfr 'n ?y' a s u t,,.•w4P`":4 e'&."^€+�'^'§Ym°"At'.0.'ft `:AS"%a xHxiawvi (Pn^.�lidW"s` ',,.9e ..-.. - a _. ....L .�,. , m-_. .w is ._ t o _ A A II 6/14/2016 16.D.3. execute a developer agreement with Habitat for Humanity through which households earning less than 50% AMI will be provided affordable homeownership units. E.ACQUISITIONS&RELOCATION Indicate whether grantee intends to demolish or convert any low- and moderate-income dwelling units (i.e., < 80% of area median income). If so,include: • The number of low- and moderate-income dwelling units—i.e., < 80% of area median income— reasonably expected to be demolished or converted as a direct result of NSP-assisted activities. • The number of NSP affordable housing units made available to low- , moderate-, and middle-income households—i.e., < 120% of area median income—reasonably expected to be produced by activity and income level as provided for in DRGR,by each NSP activity providing such housing(including a proposed time schedule for commencement and completion). • The number of dwelling units reasonably expected to be made available for households whose income does not exceed 50 percent of area median income. Narrative Response: Should the initial inspection and/or rehabilitation work determine that demolition of the dwelling unit is more cost effective, Collier County or its Developer may chose to demolish the existing unit and either place the site in the County land bank or construct a new unit on the site. If the cost to rehabilitate the unit is greater than fifty (50) percent of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred (100)percent loan-to-value,the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP. Rather,the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action(URA)requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety(90) days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90)days. F. PUBLIC COMMENT G. NSP INFORMATION BY ACTIVITY(COMPLETE FOR EACH ACTIVITY) Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale (1) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Resale (2) Activity Type: Acquisition and Rehabilitation of Foreclosed Properties for Resale • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; 9 Packet Page -927- 6/14/2016 16.D.3. r. I • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n) Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13, 2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing, Human and Veteran Services; 3339 Tamiami Trail E, Suite 211,Naples, FL 34112. The County may execute a developer agreement to undertake this Activity. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50% of area median income. For housing related activities,include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing, Human and Veteran Services will be the lead agency in working with local lenders to acquire homes that have been foreclosed,vacant for at least ninety(90)days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSP assistance. Nonprofit and/or charitable organizations, developers, or subrecipients that demonstrate an ability to successfully undertake NSP projects may be solicited to perform all or parts of this activity, including, but not limited to, property ownership, rehabilitation, maintenance, and resale. The County shall identify properties for sale in the areas of greatest need. If required, a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. 10 Packet Page -928- r c o� �. . ^.s ra s�.. ..,.,,,a s c,vmu , ••• . ..�s ,e: i. .;�u+*._:= ,_ ;- m. ...r_,_ J,. _ _. __ 6/14/2016 16.D.3. I1h Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one (1) percent from the current market-appraised value of the home or residential property and that such discount shall ensure that purchasers are paying below-market value for the home or property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required, rehabilitation shall be completed and the subject property will be sold to an income eligible applicant earning no more than 120% of local area median income. The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium, local banks, FHA or USDA. The interest rate shall not exceed one (1) percent above the then current 60 day Fannie Mae Index. Additionally, no mortgage insurance is allowed (the only exception being FHA Home Loans), all loans shall be fully documented, no pre-payment penalties are permitted,closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County Department of Housing and Human Services. All lenders providing first mortgage financing to individuals purchasing homes or residential properties directly from Collier County, where such property was assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Department of the Treasury, and National Credit Union Administration, available at http://www.fdic.gov/regulations/laws/rules/5000-5160.html. A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide principal reduction and increase affordability. The homes targeted for NSP assistance will be properties that have been foreclosed,bank-owned, and vacant for at least ninety (90) days. The County shall negotiate with local banks to purchase properties at a discount rate of at least 15 percent from the current market-appraised value. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home or residential property into compliance with current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County will ensure long term affordability as described in Section(C)(3)of this substantial amendment. All properties sold to individuals by Collier County receiving assistance from the NSP will be secured by a recorded second mortgage on the subject property in favor of Collier County. In the event the unit is transferred to an owner(s)deemed eligible for assistance under NSP guidelines,the amount of assistance will remain in the subject property to provide principal reduction. In the event the unit is transferred to an owner(s) deemed ineligible for assistance under NSP guidelines, the amount of assistance will be recaptured. The principal reduction second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold, transferred, refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e) and(f), and 92.254. The minimum affordability periods are as follows: 11 Packet Page -929- ..._.. 6/14/2016 16.D.3. 1 ± • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Applicant(s) will be qualified based on criteria such as household income, job stability, credit history and liquidity. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. All applicants must receive at least eight (8) hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. Collier County shall place program income derived from the sale of the home or residential property into an appropriate fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Pursuant to HUD NSP Policy Alert "Program Income in the Neighborhood Stabilization Program" dated July 13, 2011, revenues received by developers are NOT considered program income. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#2 -Acquisition and Rehabilitation of Foreclosed Properties for Rental (1) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Rental (2) Activity Type: Acquisition and Rehabilitation of Foreclosed Properties for Rental • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b) Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n)Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13,2014 12 Packet Page-930- I 6/14/2016 16.D.3. (6) Responsible Organization: Collier County Department of Housing, Human and Veteran. Services; 3339 Tamiami Trail E, Suite 211, Naples, FL 34112. The County may solicit developers, or subrecipients to undertake this Activity. (7) Location Description: Collier will assist those areas defined in Section A. Areas of Greatest Need — Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities,include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of Housing, Human and Veteran Services will be the lead agency in working with local lenders to acquire homes that have been foreclosed,vacant for at least ninety (90) days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSP assistance. Nonprofit and/or charitable organizations, developers, or subrecipients that demonstrate an ability to successfully undertake NSP project may be solicited to perform all or parts of this activity, including,but not limited to,property ownership,rehabilitation,maintenance, and rental operation. The County shall identify properties for sale in the areas of greatest need. If required, a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one (1) percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required, rehabilitation shall be completed and the subject property will be rented to an income eligible applicant earning no more than 120%of local area median income. 13 Packet Page-931- 6/14/2016 16.D.3. Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home into compliance current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County will ensure long term affordability as described in Section(C)(3)of this substantial amendment. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e) and (f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000 5 Years • $15,001 to $40,000- 10 Years • Over$40,001 — 15 Years • New Construction—20 Years A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide a subsidy to the developer, or subrecipient and increase the subject property's affordability. Collier County shall place program income derived from the rental operations of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Pursuant to HUD NSP Policy Alert "Program Income in the Neighborhood Stabilization Program"dated July 13, 2011,revenues received by developers are NOT considered program income. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#3—Purchase Assistance to Acquire Foreclosed Properties (1) Activity Name: Purchase Assistance to Acquire Foreclosed Properties (2) Activity Type: Purchase Assistance to Acquire Foreclosed Properties • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n)Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13, 2009 14 Packet Page-932- 6/14/2016 16.D.3. (5) Projected End Date: February 13, 2014 (6) Responsible Organization: Collier County Department of Housing, Human and Veteran Services; 3339 Tamiami Trail E, Suite 211, Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities,include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities,include: • range of interest rates Narrative Response: Collier County's Department of Housing and Human Services will be the lead agency in working with local residents to acquire homes that have been foreclosed,vacant for at least ninety(90) days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to assist persons locate properties suitable for NSP assistance. Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity, as well as administering U.S. Department Housing and Urban Development grant funds,may be solicited to perform all or parts of this activity. The Purchase Assistance Activity shall assist first-time homebuyers by paying a principal reduction for the proposed purchase. The activity provides assistance for the purchase of single family homes, duplexes, condominiums,townhouses or DCA approved manufactured homes. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one (1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the applicant. All households assisted must earn no more than 120 percent of the local area median income. 15 Packet Page -933- ...d� .wvh A`A4"..2iwmScuk n'Y-.-4...'::JY RB 3'dn.Ifi yn�':-.5 "A'.� Aim.» ...,,ri.N N"'s .`@H*i tlflx'*3ti _,ee9 P IiM% k Ys. .Ik,G",'.LII�.?Ab'.t 9S."9tY'e N •._.Y.5R5'v .,.M"m''1 4'5§ .=.ice»18.5 .h'."4.£"dHu'sa` eaSeuJv, -'a"c`.'L'a'.:R4.T1 Ys "" %f."',.-cmw•a`a w5, .:.'.. .es a::+ rus'�;',oaa u:ur„ii.naxrk wa ,:a..:Pwrre'mre:c;'aa. ..,c.' v,,: .»3;mr�..' v`R�*.,9°'.._: x .. ...wi,aa+.:a ., iu.2:IM1°. '.. »': <n'fly.:U"x 6/14/2016 16.D.3. The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium, local banks, FHA or USDA. The interest rate shall not exceed one (1) percent above the then current 60 day Fannie Mae Index. Additionally, no mortgage insurance is allowed (the only exception being FHA Home Loans), all loans shall be fully documented, no pre-payment penalties are permitted, closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County Department of Housing and Human Services. All applicants must receive at least eight(8)hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. All lenders providing first mortgage financing for homes or residential properties assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Department of the Treasury, and National Credit Union Administration, available at http://www.fdic.gov/regulations/laws/rules/5000-5160.html. Collier County will ensure long term affordability though the use of a recorded lien against the property. The County will monitor assisted units on an annual basis during the affordability period. Additionally, all properties receiving assistance from the NSP will be secured by a recorded second mortgage on the subject property in favor of Collier County. The purchase assistance second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold, transferred, refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. All applicants will be taken on a first-come-first-served basis. Applicants must meet NSP income guidelines, as well as the following: applicant must be a first time home buyer, defined as not having home ownership interest in a residential property during the past three (3) years, a single parent with children under the age of eighteen (18) who has recently been divorced and displaced, a displaced victim of domestic violence, or a person displaced as the result of some government action; the assisted residential property must be located within the boundaries of Collier County,Florida and the purchase price may not exceed$200,000. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e)and(f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. All applicants must receive at least eight(8)hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. Activity#4—Demolition of Acquired Foreclosed Properties 16 Packet Page -934- Bg....,.. e:.`""'R.et*9E"r.m'I::ES �fiskd4'`�.__ i�.a, da...,k":'^".s T ..r,^'�R! ®..�` ua ,.Uh£m.,.....m°Gft `^'.:?-" R3' :3 SC.(S°k.:;.:,:b: "OV1A''.`3".L3itagiSAU-,Y&'.-.s'... r a . 6/14/2016 16.D.3. • (1) Activity Name: Demolition of Acquired Foreclosed Properties (2) Activity Type: Demolition and Clearance of Foreclosed Properties • Demolish blighted structures; • 24 CFR 570.201(d)Clearance for blighted structures only. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing, Human and Veteran Services; 3339 Tamiami Trail E, Suite 211, Naples, FL 34112. The County may execute a developer agreement to undertake this Activity. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities,include: • tenure of beneficiaries--rental or homeownership; • duration or teen of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities,include: • discount rate For financing activities,include: • range of interest rates Narrative Response: Homes or residential properties acquired through the NSP that are not economically feasible to rehabilitate, pose a health threat or pose safety threat, may be demolished. Demolished properties may be placed in a land bank maintained by Collier County or provided to a local nonprofit provider of affordable housing. Additionally,NSP Funds may be used to construct a new home on the site. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. 17 Packet Page -935- i i r ■ 6/14/2016 16.D.3. If the cost to rehabilitate the unit is greater than fifty (50) percent of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred (100) percent loan-to-value, the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP. Rather, the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action(URA)requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety(90)days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90)days. Should Collier County or its housing partner construct a new unit on the site, such activity shall be governed by NSP guidelines as discussed in Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale. Additionally, all households assisted must earn no more than 120 percent of the local area median income. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c),(e)and(f),and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Activity#5—Land Banking of Acquired Properties (1) Activity Name: Land Banking of Acquired Properties (2) Activity Type: Land Banking of Acquired Properties • Establish land banks for homes that have been foreclosed upon; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13,2014 (6) Responsible Organization: Collier County Department of Housing, Human and Veteran Services; 3339 Tamiami Trail E, Suite 211,Naples, FL 34112. The County may execute a developer agreement to undertake this Activity. 18 Packet Page -936- a 4 l 6/14/2016 16.D.3. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities,include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities,include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County may acquire properties that have been foreclosed and/or vacant for at least ninety (90) days and are on the lender's list of current inventory to be placed in a land bank. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one(1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. The County may partner with various community organizations and partners to identify properties suitable for NSP land banking. Properties acquired through this NSP Program for the purpose of being placed in a land bank may be demolished as discussed in Activity#5 -Demolition of Acquired Foreclosed Properties. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. Collier County will ensure long term affordability as described in Section(C)(3)of this substantial amendment. All NSP1-assisted housing will be required to meet or exceed local and state building codes. All units that require rehabilitation must meet or exceed the current Florida Building Code(FBC). The current code applied in Collier County is 2007 FBC. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e)and(f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years 19 Packet Page -937- .::m>,.BM 5:v:...C, 3 nn,. 7. :.,_.. 6/14/2016 16.D.3. • New Construction—20 Years A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. An NSP-assisted property may not be held in a land bank for more than ten (10) years without obligating the property for a specific, eligible redevelopment of that property in accordance with NSP requirements. Collier County shall place program income derived from the sale of the home or residential property into an appropriate fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Pursuant to HUD NSP Policy Alert "Program Income in the Neighborhood Stabilization Program" dated July 13, 2011, revenues received by developers are NOT considered program income. I. Total Budget: $7,306,755 Narrative Response: Refer to Exhibit"A". The U.S.Department of Housing and Urban Development allows up to 10 percent of the NSP grant provided to Collier County and up to 10 percent of program income earned for general administration and planning activities as those are defined at 24 CFR 570.205 and 206. The 10 percent limitation applies to the grant as a whole. Additionally,HUD recognizes the need to move forward rapidly to prepare this substantial amendment and to undertake other administrative actions. Therefore HUD has granted permission to incur pre-award costs effective September 29,2008 in preparation of the substantial amendment. J. Performance Measures (e.g., units of housing to be acquired, rehabilitated, or demolished for the income levels of households that are 50 percent of area median income and below, 51-80 percent,and 81-120 percent): Narrative Response: Collier County shall include performance measures in all agreements with local partners contracted with to implement activities described in this Substantial Amendment. Such measures shall ensure funds are expended within the initial NSP required 18-month time period. Collier County shall monitor all progress to ensure the housing activities listed in this amendment are completed in a timely manner and local benefit achieved as soon as possible. Collier County estimates the total number of units assisted with the initial $7,306,755 allocation to be 59. As assisted units are sold,or transferred, program income shall return to the County. The County may use the program income received for any activities listed in this substantial amendment, a portion of which may be used for program administration. The following is a list,by income level, of total units of housing to be assisted with NSP Funds: • Low Income-households earning 50%of area median income or less; o 15 units • Moderate Income—households earning between 51%and 80%area median income; o 22 units 20 Packet Page-938- AI A ■ i 6/14/2016 16.D.3. • Middle Income—households earning between 81%and 120%area median income; a 22 units Summary of Projected Number of Units Assisted Activity Low Moderate Middle Type Income Income Income Acquisition for Resale 3 13 13 Acquisition for Rental 12 2 2 Direct Assistance 0 3 3 Demolition 0 3 3 Land Banking 0 1 1 Total 15. 22 22 z,t1'1 ,��\ The Collier County Neighborhood Stabilization Program Substantial Amendment is adopted thisth ay of February, 2012,. •rt.. ATTEST: Vr00 " BOARD OF COUNTY COMMISSIONERS DWIGHT E. ROCK,City K ,, COLLIER COUNTY,FLORIDA CYx diX yt SY r.y ]i i BY: '44 , BY: g 2428/,20)7- A� fig" ' } 1 CLERK FRED W.COYLE,CHAT`_ AN APPROVED { RM AND LEGAL SUFFICIENCY BY: JENNIFER*HI FE ASSISTANT COUNTY ATTORNEY item# Agenda Z,. 'zs Date Date ?� Redd - 21 Packet Page -939- 6/14/2016 16.D.3. MINOR AMENDMENT TO THE NSP1 ACTION PLAN Jurisdiction(s):Collier County NSP Contact Person:Kimberley Grant Address: 3339 Tamiami Trail E,Suite 211,Naples,FL 34112 Telephone:(239)252-4663 Fax: (239)252- Jurisdiction Web Address:colliergov.net 2638 Email: kimberleygrant@colliergov.net The NSP1 Action Plan,approved by the Board of County Commissioners on February 28,2012 is hereby amended as follows: * * * C. DEFINITIONS AND DESCRIPTIONS (4) Describe housing rehabilitation standards that will apply to NSP assisted activities. Narrative Response: All NSP1-assisted housing rehabilitation will be required to meet or exceed local and state building codes. All units that require rehabilitation must meet or exceed the current Florida Building Code(FBC). The current code applied in Collier County is 2-907 2010 FBC. * * G. NSP INFORMATION BY ACTIVITY(COMPLETE FOR EACH ACTIVITY) Activity#5—Land Banking of Acquired Properties Narrative Response All NSP1-assisted housing rehabilitation will be required to meet or exceed local and state building codes. All units that required rehabilitation must meet or exceed the current Florida Building Code(FBC). The current code applied in Collier County is X00-7 2010 FBC. This Minor Amendment to the Collier County Neighborhood Stabilization Program l Action Plan is adopted this 8th day of July;2014. ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E. BROCK,CLERK COLLIE NTY, FLORIDA BY:,) 'rtir.rii � *' ' es {' i t my"CLFR1C si nature�only t APPROVED AS TO FO TIM NANCE,CHAIRMAN AND LEGALITY BY: I .rte JENNIFER A.BELPEDI ASSISTANT COUNTY A ORNEY \\`\` Words Struck Through are deleted;Words Underlined are added. Packet Page -940- .;-; oh+0 9buA ato• ' ;a.. zA,i e .r_.k 6/14/2016 16.D.3.1 .� vv IL THE NSP SUBSTANTIAL AMENDMENT Jurisdiction(s): Collier County NSP Contact Person: Kimberley Grant Address: 3339 Tamiami Trail E, Suite 211, Jurisdiction Web Address: colliergov.net Naples,FL 34112 Telephone: (239)252- '1663 6287 Fax: (239)252-2638 Email: kimberleygrant@colliergov.net A. AREAS OF GREATEST NEED Provide summary needs data identifying the geographic areas of greatest need in the grantee's jurisdiction. Note: An NSP substantial amendment must include the needs of the entire jurisdiction(s) covered by the program; states must include the needs of communities receiving their own NSP allocation. To include the needs of an entitlement community, the State may either incorporate an entitlement jurisdiction's consolidated plan and NSP needs by reference and hyperlink on the Internet,or state the needs for that jurisdiction in the State's own plan. The lead entity for a joint program may likewise incorporate the consolidated plan and needs of other participating entitlement jurisdictions' consolidated plans by reference and hyperlink or state the needs for each jurisdiction in the lead entity's own plan. HUD has developed a foreclosure and abandonment risk score to assist grantees in targeting the areas of greatest need within their jurisdictions. Granteesmay wish to consult this data, in developing this section of the Substantial Amendment. Narrative Response: Collier County is an economically diverse community, with areas of affluence in the coastal communities as well as extreme poverty in other locations. The County is geographically large, encompassing approximately 2,025 square miles. Collier County, with an estimated population of 339,000, is located on the southern gulf coast of the Florida peninsula, due west of Miami-Ft. Lauderdale. The largest of the three incorporated cities in Collier County is Naples, which is located in the western and coastal area. The remaining two incorporated cities of Collier County are Everglades City and the City of Marco Island. Everglades City is located south and east of Naples,while the City of Marco Island lies south of Naples along the Gulf of Mexico. Collier County used the U.S. Department of Housing and Urban Development's (HUD) average foreclosure index score in identifying the target geographies for assistance in the redevelopment of abandoned and, foreclosed homes. The destabilization of neighborhoods in Collier County is pervasive, affecting nearly all areas for the County. As such, any efforts to stabilize the local housing market and revitalize the community must be Countywide. Areas at Risk The table on the following page summarizes the average foreclosure index score for eligible census tracts in Collier County. To be considered eligible for assistance an area must be assigned a Max Index Score of nineteen(19) or twenty(20). 1 Packet Page-941- c,� � ,-,-N,..r .;a..«,,, .< rnr-,.t i ..'S edv."�. .h3sa t, V24, ;..,. e 2,,,.,,,.a 6/14/2016 16.D.3. ,Z 0 U I Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.06 20 12 20 0104.08 19 16 19 0104.01 19 16 19 0102.03 19 19 19 0105.03 20 18 20 0105.04 20 19 20 0106.02 19 15 19 0106.01 19 19 19 0106.04 19 15 19 0106.03 20 16 20 0105.02 20 17 20 0108.01 19 18 19 0107.02 19 14 19 0108.02 20 8 20 0104.11 20 15 20 0104.09 20 18 20 0104.10 20 19 20 0104.14 20 1 20 0104.13 20 1 20 0108.03 19 1 19 0111.01 20 1 20 0109.01 20 18 20 0109.03 20 12 20 0104.12 20 1 20 0112.04 20 17 20 0113.00 20 9 20 0112.02 20 1 20 0114.00 20 13 20 0104.07 20 1 20 0104.05 20 16 20 0102.02 20 1 20 0003.01 18 18 18 0102.04 20 16 20 0101.04 20 7 20 0101.03 20 1 20 Average Max Index Score 19.69 Qualified i 2 Packet Page -942- d'�� . 6/14/2016 16.D.3. LVU i Identified Program Target Areas The Collier County NSP Allocation will target the following three (3) areas for economic and housing redevelopment: East Collier, South Collier and Central Collier. The following tables further define the target areas to include eligible census tracts within each of the three (3)target areas. EAST COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.14 20 1 20 0104.13 20 1 20 0104.12 20 1 20 0112.02 20 1 20 Average Max Index Score 20.00 SOUTH COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0105.04 20 19 20 0106.02 19 15 19 0106.01 19 19 19 0106.04 19 15 19 0106.03 20 16 20 0105.02 20 17 20 0108.01 19 18 19 0107.02 19 14 19 0108.02 20 8 20 0108.03 19 1 19 0111.01 20 1 20 Average Max Index Score 19.45 CENTRAL COLLIER TARGET AREA Foreclosure Vacancy Max Census Needs Risk Index Tract Index Score Index Score Score 0104.06 20 12 20 0104.08 19 16 19 0105.03 20 18 20 0104.11 20 15 20 0104.09 20 18 20 0104.10 20 19 20 3 Packet Page -943- .,.,ic g' tb,t,e sc,.-'L•4....:,`,alleka. av Tz't:, r' •; o .: 4,.^,,,i';«+ e',,,,o>,;. ; .z •.... - .a ,,, ,r, .. ' :e .r:a tf .: .Twp t_ 6/14/2016 16.D.3. .. am. i 0104.07 20 I 1 20 Average Max Index Score 19.86 The map appearing below provides a visual representation of the three (3) target areas. East Collier is depicted in yellow, South Collier is depicted in green and Central Collier is depicted in blue. l' .. ; •�.::._ y ? COLG/EI' Co,'yORIDA 2000 CENSUS GTS 16 24 y _"' v a" ".t .1411121 s� .a • y u y-' .,',7‘ : IIA i s y "1'' �-;V 'fir:^''IT' ✓ '�" ij▪ " "' r l k 5..5 �^'�1^R},F.S fY S `: "=•�4• h.E. „„,„,,„,,,,,,„,,,,,,„„„:„„,,,,„„„,,,„,,,„,,,,,,,,„,,,,,,„„,„,„,,,,,„:„., rye, ,.. '..A'.{' ,a R, ki` a E 1 r 101.02 r'" 1 P * f \�• j 11201 � • • °,µ'1" A,,I ' Y yam, . ..ltrOl 'a r V •' , •� r 1002 ,_11 � , 104.06i ..-;;;;,•':;;,;:':•':::',-:•.:::: l X `yJ P 5, 4,+j 1 ,) 'I . 11 sd0f "� " . rr .0.7 ^� , z v r ..-- VIIIIIIritli .j. t 4 NS :g i f f �s ••••• t.+, '1014 trjr .1„,t}� p loafs _�„ .... flomr:3;,,,,, 1.5441voi,,,,i1 .. --- .--, - , ,....,,, ,,,,,—„, .,,,, -�- M:„. t, rrlr { titi 1.;,.. ,y dT ,71� A . �� i' yTttft i !I t ',&l .• .00411f h � �$1) \ ) 1E02 '',y/...7" a A . .111.10;.. ,;., fi16t BMs, 9 m J � a1 ,r. .�� mYOY Y 1LIrAnR // ••.,• 110 Y"�. r ,�M}9�.`y f �. f .:,,,,,,e : E .tL 1. IF yRr 1' 1 a -'; S 5' N "+u`1 l0,!0i.' .'1 } •f, Yc,LS�(a?;-'ti ted G �, ......"^) I 1.: y S 44)%t P W `�,� `"s�J�''T1'`., f n y.�Lra/ 1.1,'x'". 2", rIF� �„ t..i JP-'; i vi,Y 1T� ., Irl wwE.m ics. e, "S4.a Z7 O,a t, t,�":1C:::.'Sr 5 fill,,,... ".l Ir:....� t S 4} ..y( 1 '' J LEGEND EAST COWER TARGET AREA 9 . A' 1+p Y I.\S +t •' d L. '� 'd J y IY;h'i ,, 1 .I L�•�.t A T N'-�,-, SOUTH COWER TARGET AREA ,' ,'r� Y�',� 5 Njyy .wr'. •�'"�%�. *, mg CENTRAL COWER TARGET AREA r , -..J > I _,w 77.,_,_ ,• rr... . Packet Page -944- c ,G 6/14/2016 16.D.3. alb NO B. DISTRIBUTION AND USES OF FUNDS Provide a narrative describing how the distribution and uses of the grantee's NSP funds will meet the requirements of Section 2301(c) (2) of HERA that funds be distributed to the areas of greatest need, including those with the greatest percentage of home foreclosures, with the highest percentage of homes financed by a subprime mortgage related loan, and identified by the grantee as likely to face a significant rise in the rate of home foreclosures. Note: The grantee's narrative must address these three stipulated need categories in the NSP statute,but the grantee may also consider other need categories. Narrative Response: Based upon the County's analysis of the HUD average foreclosure index scores, all three areas are eligible for NSP assistance. Furthermore, the 68% of the targeted census tracts have a max index score of 20, the most severe rating possible under the NSP. The NSP Allocation will be used as described in Section G — NSP Information by Activity. Twenty-five (25) percent of the Collier County NSP Allocation will be used to assist households earning no more than fifty (50) percent of the local area median income. Collier County will continue to monitor local housing data in an effort to determine if an expanded area of assistance is required. Dwelling units assisted with NSP Funds shall be rehabilitated to the extent necessary to comply with applicable laws, codes, and other requirements relating to housing safety, quality, and habitability. Collier County will encourage rehabilitation that improves the energy efficiency and/or conservation of dwelling units receiving assistance. Additionally, the County will strongly encourage the incorporation of green building improvements to provide long-term affordability, increased sustainability and attractiveness of housing and neighborhoods. C. DEFINITIONS AND DESCRIPTIONS (1) Definition of"blighted structure" in context of state or local law. Narrative Response: Blighted structure, as extracted from 2008 Florida Statute 163.340, is defined as a structure that is deteriorated or deteriorating to the extent that unsanitary or unsafe conditions may threaten the health safety and welfare of the public. Characteristics include, but are not limited to: (a) Unsanitary or unsafe conditions; (b) Deterioration of site or other improvements; (c) Inadequate provision for ventilation,light, air,sanitation or open spaces; (d) The existence of conditions that endanger life of property by fire or other causes. (2) Definition of"affordable rents." Note: Grantees may use the definition they have adopted for their CDBG program but should review their existing definition to ensure compliance with NSP program —specific requirements such as continued affordability. Narrative Response: 5 Packet Page -945- r,.F 44,A e . gas ....3 x .., �k•�x a k�a, `Sai`��r...,fir,,.k,... A J rift a 6/14/2016 16.D.3. The maximum Affordable Rents shall not exceed the Fair Market Rents (FMR) as published annually by the U.S. Department of Housing and Urban Development for the Naples — Marco Island MSA. The current rates are listed below: Final FY 2012 FMRs By Unit Bedrooms Efficiency One-Bedroom Two-Bedroom Three-Bedroom Four-Bedroom Final FY 2012 FMR $ 813 $ 932 $ 1,049 $ 1,304 $ 1,357 Source: U.S. Department of Housing and Urban Development(2012) (3) Describe how the grantee will ensure continued affordability for NSP assisted housing. Narrative Response: 24 CFR 92.252(a), (c), (e), and (f),and 92.254 Homeownership: Long-Term Affordability: For Collier County sold properties The NSP1-assisted housing must meet the affordability requirements for not less than the applicable period specified in the following table,beginning after project completion. These restrictions are a minimum and Collier County may elect to impose longer affordability periods. The per unit amount of NSP1 funds and the affordability period that they trigger are described more fully below under"Homeownership: Recapture Provisions." Homeownership assistance NSP1 amount per-unit Minimum period of affordability in years Under $15,000 5 $15,000 to 10 $40,000 Over $40,000 15 Homeownership: Recapture Provisions The recapture provisions will ensure that Collier County, `- - : :- , : - • . -_ . -- recoups all or a portion of the NSP 1 assistance benefiting the homebuyer, if the housing does not continue to be the principal residence of the family for the duration of the period of affordability. The period of affordability is based upon the total amount of NSP1 funds subject to recapture described above. Collier County,Developer, or Subrecipient may choose to recapture the entire amount of NSP1 assistance or a reduced amount on a prorata basis for the time the homeowner has owned and occupied the housing measured against the required affordability period. The net proceeds may be divided proportionally as set forth in the following mathematical formulas: NSP1 investment X Net proceeds=NSP1 amount to County NSP1 investment+homeowner investment homeowner investment X Net proceeds=amount to homeowner NSP1 investment+homeowner investment 6 Packet Page -946- ;;u WWI x. $"Acg, ,7r4 0.14".,?. 7<.. ;.�rW sx .i,�'.v§, :+. :...,,,.s.�.s'r 40; ky,r r_ 00-Dr.E. 6/14/2016 16.D.3. Nifvpip Collier County, Developer, or Subrecipient may permit the homebuyer to recover the homebuyer's entire investment (down payment and capital improvements made by the owner since purchase)before recapturing the NSP1 investment. Long Term Availability: For Developer Sold Properties. Resale: 24 CFR 92.252(a),(c), (e), and(f),and 92.254 Resale restrictions shall be implemented for every homebuyer property constructed,redeveloped, or rehabilitated, in whole or in part,with NSP funds in the form of a development subsidy. A development subsidy consists of the difference between the cost of producing the unit and the fair market value of the property. If NSP funds are provided to the property it will be subject to a resale restriction. If the homebuyer determines that it no longer intends to use the property as its principal residence, resale restrictions require the homebuyer to sell the property to a family that will use the property as its principal residence and meets the income limits described in the lien and restrictive covenant on that property. The house must be affordable to a range of new buyers in the target affordable range. The new buyer must occupy house as principal residence.The remaining_resale restrictions apply to new buyer, for the period of affordability. The original homebuyer is entitled to a fair return on its investment(as described below)upon the sale of the property. The fair return will be based on the percentage change in the Consumer Price Index for All Urban Consumers Owners' Equivalent Rent of Primary Residence category in Table I of the CPI Detailed Report(the "CPI Index")during the period of the homebuyer's ownership. Accordingly,the CPI Index during the month the residence was completed(the month during which the completion reports were received by and approved by IHCDA)will be compared to the CPI Index during the month the original homebuyer sells the residence to determine the percentage of the return.The homebuyer's investment will include any down payment paid by the homebuyer plus any capital improvements.A capital improvement is any property enhancement that increases the overall value of the property,adapts it to new uses,or extends its life such as: adding windows, insulation,a new drive way, a new furnace, a garage,bedroom,new roof,remodeling kitchen,etc. Any capital improvement will be valued based on actual cost as documented b the orisinal homebu er's recei.ts. Generall re•lacin. worn dated components such as appliances or carpet would not be considered an improvement that adds value or adapts it to new uses. The purchasing family should pay no more than thirty(30%)of its gross family income towards the principal., interest,taxes and insurance for the property on a monthly basis. In certain circumstances, such as a declining housing market where home values are depreciating,the original homebuyer may not receive a return on his or her investment because the home sold for less or the same price as the original purchase price and a loss on investment may constitute a fair return. Resale Example: Assumption:NSP funds total development Total Development Costs (TDC)$120,000 Sale price based on appraisal $90,000 Principle reduction$10,000 First Purchase mortgage$80,000 Closing cost assistance $1,600 Amount determining compliance$120,000 Compliance period 15 years 7 Packet Page -947- ;�� :. € w. `"' '''� �`'`- „s� ., u'; CST”'�.��...�tt --i�£�"A� ,. � '�7"r��;• ��a^�.�.:,: . . '�r.assr.,�,... 6/14/2016 16.D.3. IVU Rental: Long-Term Affordability The NSP1-assisted units must meet the affordability requirements for not less than the applicable period specified below,beginning after project completion. The affordability requirements for NSP 1-assisted rental units apply without regard to the term of any loan or mortgage or the transfer of ownership, except that the affordability restrictions may terminate upon foreclosure or transfer in lieu of foreclosure. Collier County, Developer, or Subrecipient will enforce long-term affordability through the use of a recorded lien, covenant,or deed restriction against the assisted property. Rental housing activity Minimum period of affordability in years Rehabilitation or acquisition of existing housing per unit amount of NSP 1 funds: Under 5 $15,000 $15,000 to $40,000 10 Over$40,000 or rehabilitation involving 15 refinancing New construction or acquisition of newly constructed 20 housing Subsequent rents during the affordability period will be calculated and applied in conformance with 24 CFR 92.252(f). (4) Describe housing rehabilitation standards that will apply to NSP assisted activities. Narrative Response: All NSP1-assisted housing will be required to meet or exceed local and state building codes. All units that require rehabilitation must meet or exceed the current Florida Building Code (FBC). The current code applied in Collier County is 2007 FBC. (5) Definition of`Middle Income Household" A household having an income equal to or less than 120% of area median income, but greater than 80% of area median income, adjusted for household size. (6) Definition of"Moderate Income Household" A household having an income equal to or less than 80% of area median income, but greater than 50% of area median income,adjusted for household size. (7) Definition of"Low Income Household" A household having an income equal to or less than 50%of area median income, adjusted for household size. (8) Definition of"Current Market Appraised Value" 8 Packet Page -948- a .." wily!.u..v:.w"a.vs-v. s;.^ .. y 6/14/2016 16.D.3. 4vIJ J, The current market appraised value means the value of a foreclosed upon home or residential property that is established through an appraisal made in conformity with the appraisal requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer made for the property by a grantee, subrecipient, developer, or individual homebuyer. (9) Definition of"Abandoned" A home is abandoned when mortgage or tax foreclosure proceedings have been initiated for that property, no mortgage or tax payments have been made by the property owner for at least 90 days, AND the property has been vacant for at least 90 days. (10)Definition of"Blighted Structure" A structure is blighted when it exhibits objectively determinable signs of deterioration sufficient to constitute a threat to human health, safety,and public welfare. (11)Definition of"Foreclosed" A property "has been foreclosed upon" at the point that, under state or local law, the mortgage or tax foreclosure is complete. HUD generally will not consider a foreclosure to be complete until after the title for the property has been transferred from the former homeowner under some type of foreclosure proceeding or transfer in lieu of foreclosure,in accordance with state or local law. (12)Definition of"Land Bank" A land bank is a governmental or nongovernmental nonprofit entity established, at least in part, to assemble, temporarily manage, and dispose of vacant land for the purpose of stabilizing neighborhoods and encouraging re-use or redevelopment of urban property. For the purposes of the NSP Program, a land bank will operate in a specific, defined geographic area. It will purchase properties that have been abandoned or foreclosed upon and maintain, assemble, facilitate redevelopment of, market, and dispose of the land-banked properties. If the land bank is a governmental entity, it may also maintain abandoned or foreclosed property that it does not own, provided it charges the owner of the property the full cost of the service or places a lien on the property for the full cost of the service. D. Low INCOME TARGETING Identify the estimated amount of funds appropriated or otherwise made available under the NSP to be used to purchase and redevelop abandoned or foreclosed upon homes or residential properties for housing individuals or families whose incomes do not exceed 50 percent of area median income: $1,827,000.00. Note: At least 25%of funds must be used for housing individuals and families whose incomes do not exceed 50 percent of area median income. Narrative Response: Habitat for Humanity of Collier County, Inc. ("Habitat for Humanity) has a proven track record of success in providing homeownership units to households earning less than 50% AMI. As such, Collier County will 9 Packet Page -949- c,i; ,.-4.;zza "sa.*+ .a§; r v ger•"F.::. .d;r.61 ,st, + ' a.a4"'-.`:r!`#" 'i.".o-'" ..ax ., dn. a' :'." '4.a Dazs sw..a,s. .:'ia,a _r.;. .'.",,.. ..,.�: ;'""`.:a »' _ ,cz;m.:s�: d.'' ..:Fu's`''.�'a.;S."ws,Fv:u ut;' 4 rot 6/14/2016 16.D.3. execute a developer agreement with Habitat for Humanity through which households earning less than 50% AMI will be provided affordable homeownership units. E.ACQUISITIONS&RELOCATION Indicate whether grantee intends to demolish or convert any low- and moderate-income dwelling units (i.e., < 80% of area median income). If so, include: • The number of low- and moderate-income dwelling units—i.e., <_ 80% of area median income— reasonably expected to be demolished or converted as a direct result of NSP-assisted activities. • The number of NSP affordable housing units made available to low- , moderate-, and middle-income households—i.e., < 120% of area median income-reasonably expected to be produced by activity and income level as provided for in DRGR,by each NSP activity providing such housing(including a proposed time schedule for commencement and completion). • The number of dwelling units reasonably expected to be made available for households whose income does not exceed 50 percent of area median income. Narrative Response: Should the initial inspection and/or rehabilitation work determine that demolition of the dwelling unit is more cost effective, Collier County or its Developer may chose to demolish the existing unit and either place the site in the County land bank or construct a new unit on the site. If the cost to rehabilitate the unit is greater than fifty (50) percent of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred (100)percent loan-to-value, the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP. Rather,the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action (URA) requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety(90) days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90)days. F. PUBLIC COMMENT G. NSP INFORMATION BY ACTIVITY(COMPLETE FOR EACH ACTIVITY) Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale (1) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Resale (2) Activity Type: Acquisition and Rehabilitation of Foreclosed Properties for Resale • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; 10 Packet Page -950- r'" ,4,16.-s-br,ard,AVA44W LAG 0:514 6/14/2016 16.D.3. • 24 CFR 570.201(i) Relocation; • 24 CFR 570.201(n) Direct homeownership assistance(as modified below); a 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13, 2014 (6) Responsible Organization: Collier County Department of - :• '-_, - •• _•'. " : o.' ' Community and Human Services; 3339 Tamiami Trail E, Suite 211, Naples, FL 34112. The County may execute a developer agreement to undertake this Activity. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will beused to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department of - :. '-_ •• • - -- • - Community and Human Services will be the lead agency in working with local lenders to acquire homes that have been foreclosed, vacant for at least ninety(90) days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSP assistance. Nonprofit and/or charitable organizations, developers, or subrecipients that demonstrate an ability to successfully undertake NSP projects may be solicited to perform all or parts of this activity, including, but not limited to, property ownership, rehabilitation,maintenance, and resale. The County shall identify properties for sale in the areas of greatest need. If required, a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. 11 Packet Page-951- i' ,i 34,z4.k ,440o0 4)01: 4 L�+.,wc" W2 r FV4,., .3",_MPREMUCCri "h,3�t.'St?-.fes,k. s, ' ., ,z.a4.5Prat Pia a ...,s..^;; z:?a1!`«a«.LF:E„L-'sur v it4T ua5011,;11,7"ki,C.Ltaw, 6/14/2016 16.D.3. i vJ u Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one (1) percent from the current market-appraised value of the home or residential property and that such discount shall ensure that purchasers are paying below-market value for the home or property. The current market appraisal will be made in conformity withthe requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required, rehabilitation shall be completed and the subject property will be sold to an income eligible applicant earning no more than 120% of local area median income. The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium,local banks, FHA or USDA. The interest rate shall not exceed one (1) percent above the then current 60 day Fannie Mae Index. Additionally, no mortgage insurance is allowed (the only exception being FHA Home Loans), all loans shall be fully documented, no pre-payment penalties are permitted, closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County !-... --- - . - .. _ .. . - . - _ Community and Human Services. All lenders providing first mortgage financing to individuals purchasing homes or residential properties directly from Collier County, where such property was assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Department of the Treasury, and National Credit Union Administration, available at http://www.fdic.gov/regulations/laws/rules/5000-5160.html. A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide principal reduction and increase affordability. The homes targeted for NSP assistance will be properties that have been foreclosed,bank-owned,and vacant for at least ninety (90) days. The County shall negotiate with local banks to purchase properties at a discount rate of at least 15 percent from the current market-appraised value. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home or residential property into compliance with current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County will ensure long term affordability as described in Section(C)(3) of this substantial amendment. All properties sold to individuals by Collier County receiving assistance from the NSP will be secured by a recorded second mortgage on the subject property in favor of Collier County. In the event the unit is transferred to an owner(s) deemed eligible for assistance under NSP guidelines, the amount of assistance will remain in the subject property to provide principal reduction. In the event the unit is transferred to an owner(s) deemed ineligible for assistance under NSP guidelines, the amount of assistance will be recaptured. The principal reduction second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold, transferred, refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. 12 Packet Page -952- 4; mamma raiz;'1 m ". Li:c» 6/14/2016 16.D.3. �► w IS i The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e)and (f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Applicant(s) will be qualified based on criteria such as household income, job stability, credit history and liquidity. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. All applicants must receive at least eight (8) hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. Collier County shall place program income derived from the sale of the home or residential property into an appropriate fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Pursuant to HUD NSP Policy Alert "Program Income in the Neighborhood Stabilization Program" dated July 13, 2011, revenues received by developers are NOT considered program income. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#2 -Acquisition and Rehabilitation of Foreclosed Properties for Rental (1) Activity Name: Acquisition and Rehabilitation of Foreclosed Properties for Rental (2) Activity Type: Acquisition and Rehabilitation of Foreclosed Properties for Rental • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n)Direct homeownership assistance(as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 (5) Projected End Date: February 13, 2014 13 Packet Page -953- 1 y.._..:.....w:.,+.t€ . `-Ztn.v"sk*i e hits, Nbt—x:J.dS4'44.*;m"y,'F t 3 1- .,.A s-i`rsna.: t£".i.'4„tai N ia3ewv. ,.af.,-^`vz.. 6/14/2016 16.D.3. — vv .` (6) Responsible Organization: Collier County Department of Housing, Human and Veteran Services Community and Human Services; 3339 Tamiami Trail E, Suite 211,Naples, FL 34112. The County may solicit developers, or subrecipients to undertake this Activity. (7) Location Description: Collier will assist those areas defined in Section A. Areas of Greatest Need - Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's `• .. - - . . • - .. .. ., . - - ., _ - Community and Human Service will be the lead agency in working with local lenders to acquire homes that have been foreclosed, vacant for at least ninety (90) days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to identify properties suitable for NSP assistance. Nonprofit and/or charitable organizations, developers, or subrecipients that demonstrate an ability to successfully undertake NSP project may be solicited to perform all or parts of this activity, including, but not limited to, property ownership, rehabilitation,maintenance, and rental operation. The County shall identify properties for sale in the areas of greatest need. If required, a rehabilitation plan shall be developed and the County and/or housing partners will determine if acquisition of the subject property is financially feasible. Collier County will assist those areas defined in Section A. Areas of Greatest Need-Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one (1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. If required, rehabilitation shall be completed and the subject property will be rented to an income eligible applicant earning no more than 120% of local area median income. 14 Packet Page -954- e :'a ;1§—,41, „:'w a��a r a �m, .. ,u.,.� I 6/14/2016 16.D.3., Nor ■..r i Collier County anticipates that many of the homes or residential properties acquired with NSP Funds will require rehabilitation and/or improvements to bring the home into compliance current code for Collier County as detailed in Section C of this Substantial Amendment. Collier County will ensure long term affordability as described in Section(C)(3)of this substantial amendment. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c),(e)and(f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years A portion of the NSP Funds used in the acquisition and/or rehabilitation may remain in the home or residential property to provide a subsidy to the developer, or subrecipient and increase the subject property's affordability. Collier County shall place program income derived from the rental operations of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Pursuant to HUD NSP Policy Alert "Program Income in the Neighborhood Stabilization Program"dated July 13,2011,revenues received by developers are NOT considered program income. A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. Activity#3—Purchase Assistance to Acquire Foreclosed Properties (1) Activity Name: Purchase Assistance to Acquire Foreclosed Properties (2) Activity Type: Purchase Assistance to Acquire Foreclosed Properties • Purchase and rehabilitate homes and residential properties that have been abandoned or foreclosed upon, in order to sell,rent or redevelop such homes and properties; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition; • 24 CFR 570.201(i)Relocation; • 24 CFR 570.201(n)Direct homeownership assistance (as modified below); o 570.202 eligible rehabilitation and preservation activities for homes and other residential properties (HUD notes that rehabilitation may include counseling for those seeking to take part in the activity). (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13,2009 15 Packet Page -955- i` r.s,. tiw,., r..,..,.k. .�,t:l ..�:._„».M...e:.,w u.:Ur".,,.,)_ ,.:, ,...us.:,a rVZ:Wh,'.-.maf'., ,s ..L,, ...r:;..4, 6/14/2016 16.D.3. £ VU .0 (5) Projected End Date: February 13, 2014 (6) Responsible Organization: Collier County Department of - :. '- . . .. _ Community and Human Services; 3339 Tamiami Trail E, Suite 211, Naples, FL 34112. The County may solicit through Requests for Qualifications and/or Requests for Proposals organizations/partners to participate in the program. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50% of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Collier County's Department - :. - .. . . .. . - Community and Human Services will be the lead agency in working with local residents to acquire homes that have been foreclosed, vacant for at least ninety (90) days and on the lender's list of current inventory. The County may partner with various community organizations and agencies to assist persons locate properties suitable for NSP assistance. Nonprofit and/or charitable organizations with a proven track record of successfully implementing this activity, as well as administering U.S. Department Housing and Urban Development grant funds, may be solicited to perform all or parts of this activity. The Purchase Assistance Activity shall assist first-time homebuyers by paying a principal reduction for the proposed purchase. The activity provides assistance for the purchase of single family homes, duplexes, condominiums,townhouses or DCA approved manufactured homes. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one (1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the applicant. All households assisted must earn no more than 120 percent of the local area median income. 16 Packet Page -956- r _ „,„6,,, y F 9 ` 2"`YMk” >:S l a te... A; , `° a' d ^�3�^a t, ,:A.,: ;»?€•«^,a� J :eG TM.».��✓..�4!3r: : .kvt:.,k�.: ..x,:, - ^+.l f➢K ss4. ,- .... 24,. 6/14/2016 16.D.3. v u i The applicant will procure a fixed-rate mortgage through the Collier County Loan Consortium, local banks, FHA or USDA. The interest rate shall not exceed one (1) percent above the then current 60 day Fannie Mae Index. Additionally, no mortgage insurance is allowed (the only exception being FHA Home Loans), all loans shall be fully documented, no pre-payment penalties are permitted, closing costs must be reasonable and customary and applicants' total debt-to-income ratio must be reasonable as determined by the Collier County - ,. -- ., - .. .. -- Community and Human Services. All applicants must receive at least eight (8) hours of homebuyer education from a U.S.Department of Housing and Urban Development certified counselor. All lenders providing first mortgage financing for homes or residential properties assisted with NSP Funds agree to comply with the bank regulators' guidance for non-traditional mortgages. Refer to Statement on Subprime Mortgage Lending issued by the Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Department of the Treasury, and National Credit Union Administration,available at http://www.fdic.gov/regulations/laws/rules/5000-5160.html. Collier County will ensure long term affordability though the use of a recorded lien against the property. The County will monitor assisted units on an annual basis during the affordability period. Additionally, all properties receiving assistance from the NSP will be secured by a recorded second mortgage on the subject property in favor of Collier County. The purchase assistance second mortgage shall bear an interest rate of 0%. No payment will be required until the home is sold, transferred, refinanced, is no longer the primary homesteaded residence or is operated for an activity deemed ineligible for assistance under NSP guidelines. At that time the balance of the loan will be repaid. All applicants will be taken on a first-come-first-served basis. Applicants must meet NSP income guidelines, as well as the following: applicant must be a first time home buyer, defined as not having home ownership interest in a residential property during the past three (3) years, a single parent with children under the age of eighteen (18) who has recently been divorced and displaced, a displaced victim of domestic violence, or a person displaced as the result of some government action; the assisted residential property must be located within the boundaries of Collier County,Florida and the purchase price may not exceed$200,000. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e) and(f),and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. All applicants must receive at least eight(8)hours of homebuyer education from a U.S. Department of Housing and Urban Development certified counselor. Activity#4—Demolition of Acquired Foreclosed Properties 17 Packet Page -957- 3 .�� T4,44,4.;444.,'4 '{ 4 L., .' ,..,4,.x fr v -�.a a > �ti� ,MAPAS ka Iga-ti#t..g47a Pp.;.PepPp x,pLs.a,. F Z.;-x '' M7 —74-444 ',4.r 6/14/2016 16.D.3. 46 J. (1) Activity Name: Demolition of Acquired Foreclosed Properties (2) Activity Type: Demolition and Clearance of Foreclosed Properties • Demolish blighted structures; • 24 CFR 570.201(d) Clearance for blighted structures only. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13, 2009 (5) Projected End Date: February 13, 2014 (6) Responsible Organization: Collier County Dent o g, Human and Veteran Services Community and Human Services; 3339 Tamiami Trail E, Suite 211, Naples, FL 34112. The County may execute a developer agreement to undertake this Activity. (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities, include: • range of interest rates Narrative Response: Homes or residential properties acquired through the NSP that are not economically feasible to rehabilitate, pose a health threat or pose safety threat, may be demolished. Demolished properties may be placed in a land bank maintained by Collier County or provided to a local nonprofit provider of affordable housing. Additionally,NSP Funds may be used to construct a new home on the site. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. 18 Packet Page -958- n`ir'. ;:'eP�_a J 'u+'n:. a=a'.,;e.: 'u "" a d:`' R! .'"� `m a eLE0,•&rul*i' azm pa'wim3^.», svazu.k„�t �r' �ra,,. �zt�ez�. _o *i'"` 6/14/2016 16.D.3.i db 14 If the cost to rehabilitate the unit is greater than fifty (50) percent of the acquisition price, and/or the cost of acquisition and rehabilitation exceeds one hundred (100) percent loan-to-value, the County will consider demolition. Collier County does not intend demolition to be a major activity in its NSP. Rather, the County reserves the right to demolish an acquired property if deemed a more fiscally effective use of NSP Funds. The County shall abide by Uniform Relocation Action (URA) requirements for any affected household where a housing unit is being demolished that has not been vacant for greater than ninety (90)days. Collier County will avoid using NSP Funds to acquire homes or residential properties that have been vacant for fewer than ninety (90)days. Should Collier County or its housing partner construct a new unit on the site, such activity shall be governed by NSP guidelines as discussed in Activity#1 -Acquisition and Rehabilitation of Foreclosed Properties for Resale. Additionally, all households assisted must earn no more than 120 percent of the local area median income. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e) and (f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years • New Construction—20 Years Collier County shall place program income derived from the sale of the home or residential property into a separate revolving fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment,a portion of which may be used for program administration. Activity#5—Land Banking of Acquired Properties (1) Activity Name: Land Banking of Acquired Properties (2) Activity Type: Land Banking of Acquired Properties • Establish land banks for homes that have been foreclosed upon; • 24 CFR 570.201(a)Acquisition; • 24 CFR 570.201(b)Disposition. (3) National Objective: Provides or improves permanent residential structures that will be occupied by a household whose income is at or below 120 percent of area median income. (4) Projected Start Date: February 13, 2009 (5) Projected End Date: February 13, 2014 (6) Responsible Organization: Collier County Department of Housing, Human and Veteran Services Community and Human Services; 3339 Tamiami Trail E, Suite 211, Naples, FL 34112. The County may execute a developer agreement to undertake this Activity. 19 Packet Page-959- i,-.a*F 1,V,Wkd, .: .' ,,'a'a*' 6/14/2016 16.D.3.2 (7) Location Description: Collier County will assist those areas defined in Section A. Areas of Greatest Need— Identified Program Target Areas. The County will continue to monitor local foreclosure data and intend the NSP Program to be flexible to allow for timely reaction to any significant changes in the local housing market. (8) Activity Description: Include a narrative describing the area of greatest need that the activity addresses; the expected benefit to income-qualified persons; and whether funds used for this activity will be used to meet the low income housing requirement for those below 50%of area median income. For housing related activities, include: • tenure of beneficiaries--rental or homeownership; • duration or term of assistance; • a description of how the design of the activity will ensure continued affordability. For acquisition activities, include: • discount rate For financing activities,include: • range of interest rates Narrative Response: Collier County may acquire properties that have been foreclosed and/or vacant for at least ninety (90) days and are on the lender's list of current inventory to be placed in a land bank. The purchase price for all properties acquired with NSP Funds during the initial 18 month period shall be discounted at least one(1)percent from the current market-appraised value of the home or residential property. The current market appraisal will be made in conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days prior to an offer to purchase made by the County or an approved housing partner. The County may partner with various community organizations and partners to identify properties suitable for NSP land banking. Properties acquired through this NSP Program for the purpose of being placed in a land bank may be demolished as discussed in Activity#5 - Demolition of Acquired Foreclosed Properties. Collier County will assist those areas defined in Section A. Areas of Greatest Need—Identified Program Target Areas. Collier County will ensure long term affordability as described in Section(C)(3)of this substantial amendment. All NSP1-assisted housing will be required to meet or exceed local and state building codes. All units that require rehabilitation must meet or exceed the current Florida Building Code (FBC). The current code applied in Collier County is 2007 FBC. The County will use the minimum affordability period of the federal HOME Investment Partnership Program, 24 CFR 92.252(a), (c), (e) and(f), and 92.254. The minimum affordability periods are as follows: • Up to $15,000—5 Years • $15,001 to $40,000— 10 Years • Over$40,001 — 15 Years 20 Packet Page -960- at„Y.-0 ..,t'^aa.x.x,...� .',._ '.,t, ..,, .ate ....x.,tv _...nom ..___ o,..�u.�,.�,.ea,as } a.�.i 6/14/2016 16.D.3. V U l • New Construction—20 Years A minimum of 25 percent of the Collier County NSP Allocation shall be used to assist households earning less than 50 percent local area median income. In no event shall NSP Funds be used to assist households earning more than 120 percent local area median income. An NSP-assisted property may not be held in a land bank for more than ten (10) years without obligating the property for a specific, eligible redevelopment of that property in accordance with NSP requirements. Collier County shall place program income derived from the sale of the home or residential property into an appropriate fund to recycle the NSP Funds. Program income shall be used for any eligible NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Pursuant to HUD NSP Policy Alert "Program Income in the Neighborhood Stabilization Program” dated July 13, 2011, revenues received by developers are NOT considered program income. I. Total Budget: $7,306,755 Narrative Response: Refer to Exhibit"A". The U.S. Department of Housing and Urban Development allows up to 10 percent of the NSP grant provided to Collier County and up to 10 percent of program income earned for general administration and planning activities as those are defined at 24 CFR 570.205 and 206. The 10 percent limitation applies to the grant as a whole. Additionally, HUD recognizes the need to move forward rapidly to prepare this substantial amendment and to undertake other administrative actions. Therefore HUD has granted permission to incur pre-award costs effective September 29, 2008 in preparation of the substantial amendment. J. Performance Measures (e.g., units of housing to be acquired, rehabilitated, or demolished for the income levels of households that are 50 percent of area median income and below, 51-80 percent, and 81-120 percent): Narrative Response: Collier County shall include performance measures in all agreements with local partners contracted with to implement activities described in this Substantial Amendment. Such measures shall ensure funds are expended within the initial NSP required 18-month time period. Collier County shall monitor all progress to ensure the housing activities listed in this amendment are completed in a timely manner and local benefit achieved as soon as possible. Collier County estimates the total number of units assisted with the initial $7,306,755 allocation to be 59. As assisted units are sold or transferred, program income shall return to the County. The County may use the program income received for any activities listed in this substantial amendment, a portion of which may be used for program administration. The following is a list,by income level, of total units of housing to be assisted with NSP Funds: • Low Income—households earning 50%of area median income or less; o 15 units • Moderate Income—households earning between 51%and 80% area median income; o 22 units 21 Packet Page -961- . sns+ef NaN'�&in ..M^A'a:�.�`=;Iff'��Y tY^,.`n.�VsZvi"*�'.,:`x9f"fdSl`r`SS�Ga-a"5...:.�v§t"#� viaAx#iam°'.> °+.bm.."u^ssvn'�,ar+:.+mwriw.n,:.v `• ffid ,.K. a'Jsravn�. 552ai4$3Acdi '. 'ey.+ . 3...r.:�i.a." .:d:'r$v'473;�fei_. :+.b✓v; +�' "';{"«#'sPa�'.. 6/14/2016 16.D.3. • Middle Income—households earning between 81% and 120%area median income; o 22 units Summary of Projected Number of Units Assisted Activity Low Moderate Middle Type Income Income Income Acquisition for Resale 3 13 13 Acquisition for Rental 12 2 2 Direct Assistance 0 3 3 Demolition 0 3 3 Land Banking 0 1 1 Total 15 22 22 • ~ P" ATTE,' , ' BOARD OF COUNTY COMMISSIONERS •DWI I TSE ROeiK,CLERK COLLIER COUNTY,FLORIDA '' ei./9a0te-e, 4 , Nap BY. Attes k ��' 'Inn 4\ ,'D: 'T•r.. BY: TIM NANCE,CHAIRMAN signature t. A PROVED•AS TO FO• AND LEGALITY BY: ��,,, *J JENNCIFER BELPE ASSISTANT COUN ATTORNEY 5 1 22 Packet Page -962- =d f.,