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Agenda 06/28/2016 Item #16D15 6/28/2016 16.D.15. EXECUTIVE SUMMARY Recommendation to approve and authorize the Chairman to sign one satisfaction of mortgage for a first time home buyer of an affordable housing unit that has satisfied the terms of assistance for the Collier County Neighborhood Stabilization Program and authorize a budget amendment recognizing the program income. OBJECTIVE: To support the affordability in Collier County using down payment assistance programs for low income first time home buyers of housing. CONSIDERATIONS: Collier County offered Direct Homeownership assistance in conformance with CFR 570.201(n) for homes that were acquired through the Neighborhood Stabilization Program (NSP). Direct Homeownership assistance was provided to the homeowner in the form of a down payment second mortgage at 0%interest. The NSP Substantial Amendment which serves as the NSP Action Plan was approved by the Board on November 18, 2008, Item 16D3. In reference to provided homeowner assistance the action plan states that no repayment will be required until the home is sold,transferred,refmanced,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 (page 15). At this time one NSP assisted homeowner has refinanced, repaid the loan balance in full and a satisfaction of mortgage has been created. A homeowner signed Declaration of Restrictive Covenants is currently in the process of being recorded to retain the NSP affordability requirements. The following table details one client who is entitled to a satisfaction of mortgage due to repayment of the NSP funds. Loan Name(s) Grant Address Recording OR Book Page Amount Date being Satisfied Denisse Nenninger NSP 4735 6th Ave SE 04/15/2013 4908 319 26,100.00 TOTAL 26,100.00 Approval of this item will authorize the Chairman to sign the aforementioned satisfaction of mortgage and the executed document shall be recorded in the Public Records of Collier County,Florida. FISCAL IMPACT: A budget amendment is necessary to recognize current year program income revenue in the amount of $26,100.00 within Urban Improvement Grants Fund, 121, NSP1 Project 33050. The repaid amount satisfies the mortgage amount. The $10 recording fee will be paid by the borrowers. GROWTH MANAGEMENT IMPACT: There is no growth management impact associated with this Executive Summary. LEGAL CONSIDERATIONS: This item is approved as to form and legality and required a majority vote for Board approval.—JAB Packet Page-1322- 6/28/2016 16.D.15. STAFF RECOMMENDATION:That the Board of County Commissioners approves and authorizes the Chairman to sign one satisfaction of mortgage for an affordable housing unit that has satisfied the terms of assistance and to authorize the necessary budget amendment to recognize revenue received. Prepared by:Wendy Klopf,Operations Coordinator,Community&Human Services Division Attachments: 1. Satisfaction of Mortgage-Nenninger 2. NSP Mortgage 3. NSP SAP Backup 4. Declaration of Restrictive Covenants 5. NSP 1 Original Substantial Amendment(Action Plan)2008 11-18 6. Budget Amendment Packet Page-1323- 6/28/2016 16.D.15. COLLIER COUNTY Board of County Commissioners Item Number: 16.16.D.16.D.15. Item Summary: Recommendation to approve and authorize the Chairman to sign one satisfaction of mortgage for a first time home buyer of an affordable housing unit that has satisfied the terms of assistance for the Collier County Neighborhood Stabilization Program and authorize a budget amendment recognizing the program income. Meeting Date: 6/28/2016 Prepared By Name: KlopfWendy Title: Operations Coordinator,Community&Human Services 6/2/2016 2:43:10 PM Submitted by Title: Operations Coordinator, Community&Human Services Name: KlopfWendy 6/2/2016 2:43:11 PM Approved By Name: TownsendAmanda Title:Division Director-Operations Support,Public Services Department Date: 6/7/2016 12:02:02 PM Name: GrantKimberley Title: Division Director-Cmnty&Human Svc,Community&Human Services Date: 6/7/2016 1:13:34 PM Name:AlonsoHailey Title: Operations Analyst,Public Services Department Date: 6/7/2016 3:52:11 PM Name: SonntagKristi Title:Manager-Federal/State Grants Operation,Community&Human Services Date: 6/8/2016 9:12:32 AM Packet Page-1324- 6/28/2016 16.D.15. Name: LopezMaggie Title: Supervisor-Accounting,Community&Human Services Date: 6/8/2016 9:54:06 AM Name:BelpedioJennifer Title:Assistant County Attorney,CAO General Services Date: 6/8/2016 2:57:15 PM Name:RobinsonErica Title:Accountant, Senior,Grants Management Office Date: 6/9/2016 9:37:30 AM Name: CarneliSteve Title:Department Head-Public Services,Public Services Department Date: 6/13/20163:01:31 PM Name: BelpedioJennifer Title:Assistant County Attorney,CAO General Services Date: 6/14/2016 10:25:36 AM Name: KlatzkowJeff Title: County Attorney, Date: 6/16/2016 9:31:48 AM Name: StanleyTherese Title: Manager-Grants Compliance,Grants Management Office Date: 6/20/2016 11:35:18 AM Name: CasalanguidaNick Title:Deputy County Manager,County Managers Office Date: 6/21/2016 1:03:11 PM n Packet Page-1325- 6/28/2016 16.D.15. Prepared by:Wendy Klopf Collier County Community and Human Services 3339 E.Tamiami Trail Naples,FL 34112 THIS SPACE FOR RECORDING SATISFACTION OF MORTGAGE KNOW ALL MEN BY THESE PRESENTS:That COLLIER COUNTY,whose post office address is 3299 E TAMIAMI TRAIL, NAPLES, FLORIDA 34112, the owner(s) and holder(s) of a certain Mortgage executed by DenisseNeneinger to COLLIER COUNTY, recorded on 04/15/2013 In Official Records Book 4908 ,Page 319 of the Public Records of Collier County,Florida,securing a principal sum of$26,100.00 and certain promises and obligations set forth in said Mortgage,upon the property described in the aforementioned mortgage. COLLIER COUNTY hereby acknowledges full payment and satisfaction of said Mortgage, and surrenders the same as cancelled,and hereby directs the Clerk of said Circuit Court to cancel the same of record. This Satisfaction of Mortgage was approved by the Board of County Commissioners on ,2016,Agenda Item Number • ATTEST: BOARD OF COUNTY COMMISSIONERS DWIGHT E.BROCK,CLERK OF COLLIER COUNTY,FLORIDA By: By: DEPUTY CLERK Chairman Donna Fiala,District I Commissioner Approval for form and legality: Jennifer A.Belpedio Assistant County Attorney \ Packet Page -1326- INSTR 4824697 OR 4908 PG 319 RECORDED 4/15/2013 11:23 AM PAGES 4 DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA 6/28/2016 16.D.15. DOC@.35 $91.35 INT@.002 $52.20 REC $35.50 OBLD $26,100.00 OBLI $26,100.00 S NEIGHBORHOOD STABILIZATION PROGRAM Property Address:4735 ST"Ave SE,Naples,FL 34117 �L. Folio Number. 40809120002 TRECORD AND RETURN TO: sr COLLIER COUNTY HOUSING,HUMAN&VETERAN SERVICES 3339 TAMIAMI TRAIL EAST,SUITE 212 - NAPLES,FL 34112 :)..1r`,;,i 1 PURCHASE MONEY SECOND MORTGAGE THIS PURCHASE MONEY SECOND MORTGAGE ("Security Instrument") is given on .Cday of i:";\ , 2013. The Purchase Money Second Mortgagor is DENISSE NENNINGER,a single woman,("Borrower"). This Securly Instrument is given to COLLIER — COUNTY,a Political Subdivision of the State of Florida("Lender"),whose address is 3335 Tamiami Trail East,Suite 101,Naples,Florida 34112-5356. Borrower owes Lender the sum of TWENTY-SIX THOUSAND, ONE-HUNDRED AND NO/100 DOLLARS ($26,100.00) in US 4 currency. This debt is evidenced by Borrower's Note dated the same date as this Security Instrument("Purchase Money Second Mortgage"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable upon sale of property, refinance, or loss of homestead exemption. This Security Instrument secures to Lender:(a)the repayment of the debt evidenced by the Note,with interest,and all renewals,extensions and modifications;(b)the payment of all other sums,with interest advanced under paragraph 7 to protect the security of the Security Instrument; and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For • this purpose,Borrower does hereby mortgage,grant and convey to Lender the following described property located in Collier County,Florida. As more particularly described as The East 75 feet of the Wes SO-feet-of jract 105,GOLDEN GATE ESTATES,Unit No.79,according to the plat thereof as recorded in Plat Book 5, Page 17 eP li 9r f Collier County, Florida and which has the address of: ("Property Address"): 4735 6T"Ave SE,Naples,Fiorid34 -----•.� 4 TOGETHER WITH all the improvement v 7/hereafter erected on the p and all easements, rights, appurtenances, rents, royalties,mineral, oil and gas rights and profits,)4ater fq,hl5 and st,ock and all fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by the SecLyfity Irtstrur ,ergt, All ofthe-fore hg is re*red to in this Security Instrument as the"Property". BORROWER COVENANTS that Bortower is lawfully ize,„ri-o the estate hereby conveyed and has the right to mortgage,grant and convey the Property and that the Property is t/nent ext f. •r « cord. Borrower warrants and will defend generally the title to the Property against all claims and tiemai.ds su et tto 4y� u x .ran.-s•f record. — THIS SECURITY INSTRUMENT combin-s nifo c•vepa s f. - ion: u.e a�1d On-uniform covenants with limited variation by jurisdiction to constitute a uniform security ins rFfft' ' c. r I;•--•I UNIFORM COVENANTS. Borrower- en er covenan and agr - as fol.ws: t f 1. Payment of Principal and Intere •payment and Late Cha,.1•.,,s. :orr '?) hall promptly pay when due the principal of and interest on the debt evidenced by the Note. -1, 4 ( /' 2. Taxes. The Mortgagor will pay all t. assessments, sewer rents .• e�t7ates prior to the accrual of any penalties or interest thereon. The Mortgagor shall pay or cause to be pa+ ;t me reserue, (a)all taxes and governmental charges of any ? kind whatsoever which may at any time be lawfully ass- ed 7 g ,ag t "w h'"respect to the Property, (b)all utility and other charges, including"service charges",incurred or imposed for the oper.io ,!!r►taintenaof,.-e ,occupancy,upkeep and improvement of the Property,and (c) all assessments or other governmental charges that may lawfully be paid in installments over a period of years, the Mortgagor shall be obligated under the Mortgage to pay or cause to be paid only such installments as are required to be paid during the term of the Mortgage. 3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender shall be applied; first,to interest due;and,to principal due;and last,to any late charges due under the Note. 4. Charges;Liens. Borrower shall pay all taxes,assessments,charges,fines and impositions attributable to the Property which may attain priority over this Security Instrument,and leasehold payments or ground rents,if any. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower. (a)agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in good faith the lien by, or defends against enforcement of the lien in,legal proceedings which in the Lender's opinion operate to prevent the enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain priority over the Security Instrument,Lender may give Borrower a notice identifying the lien. Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire,hazards included within the term"extended coverage"and any other hazards,including floods or flooding,for which Lender requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7. At all times that the Note is outstanding,the Mortgagor shall maintain insurance with respect to the Premises against such risks and for such amounts as are customarily insured against and pay,as the same become due and payable,all premiums in respect thereto, including,but not limited to,all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises by fire, lightning, and other casualties customarily insured against,with a uniform standard extended coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement cost of the Premises,exclusive of footings and foundations. All insurance policies and renewals shall be acceptable to Lender. Lender shall have the right to old the policies and renewals. If _ Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notic=s. the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made pro •.t .., Borrower. Buyer S•4 itials Packet Page -1327- OR 4908 PG 320 6/28/2016 16.D.15. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security Instrument,whether or not then due,with any excess paid to Borrower. If Borrower abandons the Property,or does not answer within 30 days a notice from Lender that the insurance carrier has offered to settle a claim,then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument,whether or not then due. The 30-day period will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing,any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to the acquisition. 6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application, Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for full term as described in the note, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. Borrower shall not destroy, damage, or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed with a ruling that, in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower,during the loan application process,gave materially false or inaccurate information or statements to Lender(or failed to provide Lender with any material information)in connection with the loan evidenced by the Note,including,but not limited to,representations concerning Borrower's occupancy of the Property as a principal residence. If this Security lnstrumeltf on-a - -hold,Borrower shall comply with all the provision of the lease. If Borrower acquires fee title to the Property,the leasehold'a'-d i fticle'. nt,,erge unless Lender agrees to the merger in writing. 7. Protection of Lender's Rights in the,P zi -11-borrower f s�,.erf rm the covenants and agreements contained in this Security Instrument, or there is a legal proceedi 1(4a ay significantly affec 'e .-rs rights in the Property (such as a proceeding in bankruptcy,probate,for condemnation or forfeitu o nforce laws or regulations), en L'',nder may do and pay for whatever is necessary to protect the value of the Property and Lender's,igehts ihi the-Propet . Lender' actions ay r clude paying any sums secured by a lien which has priority over this Security Instrument,aPPeanng in cotift; -ging red�asn bl attorne •'fees and entering on the Property to make repairs. Although Lender may take action under thislparargra �LeMd not have to .• so. \Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borro' er e e uy hi 'ty istr - 'A Unless Borrower and Lender agree to other terms of payment,these amounts shall bear interest front th dat4 of dis'u4e R t e rete apd shall be payable,with interest, upon notice from Lender to Borrower requesting payment.i , 1 1 8. Mortgage Insurance. If Leno r #,e i o •.i.- n as s djti f pf making the loan secured by this Security Instrument,Borrower shall pay the premiums r wired to maintain the mortg rnsur:nce in ct. If,for any reason,the mortgage insurance coverage required by Lender lapses or ceas , e in effect, Borrower s .?.pay th t rums required to obtain coverage substantially equivalent to the mortgage insurance previous) , ct, at a cost substantiafi(yi q iv cit. the cost to Borrower of the mortgage insurance previously in effect, from an alternate mortgage pproved by Lender. If su taoti fiiy equivalent mortgage insurance coverage is not available, Borrower shall pay to Lender each mo equal to one-twel W. f`^�eiyearly mortgage insurance premium being paid by Borrower when the insurance coverage lapsed or cea ` o b in-elle. 'jf accept,use and retain these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments m y r,o/Pji fer be,cstbfrecierdthe option of Lender, if mortgage insurance coverage(in the amount and for the period that Lender requires) provided`by=ab_i sureripproved by Lender again becomes available and is obtained. Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law. 9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection. 10. Condemnation. The proceeds of any award or claim for damages,direct or consequential,in connection with any condemnation or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the event of a total taking of the Property,the proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property, in which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking,unless Borrower and Lender otherwise agree in writing,the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by the following fraction:(a)the total amount of the sums secured immediately before the taking,divided by(b)the fair market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the amount of the sums secured immediately for the taking, unless Borrower and Lender otherwise agree in writing or unless applicable law otherwise provides,the proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments referred to in paragraphs 1 or change the amount of such payments. 11. Borrower Not Released, Forbearance by Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to any successor in interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy. 12. Successors and Assigns Bound;Joint and Several Liability; Co-Signers. The cov: ants and agreements of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower, subject to the visions of Paragraph 17. Borrower's _.►.: / Bu-!j(. Initials Packet Page -1328- OR 4908 PG 321 6/28/2016 16.D.15. covenants and agreements shall be joint and several. Any Borrower who co-signs this Security Instrument but does not execute the Note;(a)is co-signing this Security Instrument only to mortgage,grant and convey that Borrower's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower may agree to extend,modify,forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without that Borrower's consent. 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted limits,then: (a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be treated as a partial prepayment without any prepayment charge under the Note. 14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph. 15. Governing Law;Severability. This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument. 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lender's prior written consent, Lender may,at its option,require immediate payment in full of all sums secured by this Security Instrument. However,this option shall not be exercised by Lender if exercise is prohibited by federatiaw�r`a -of t l.F a this Security Instrument. If Lender exercised this option, Lender shall give Borroyve'r-�o� 4 fi� 1. a notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within f B4Yfrower must p. ., rtas`s cured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period;^ ,, gr may invoke any re di s.pgrmitted by this Security Instrument without further notice or demand on Borrower. 7 '''./ `� 18. Borrower's Right to Reinstate. if Borpower'meets'certain conditions, B own shall have the right to have enforcement of this Security Instrument discontinued at any time/prior/to tf--ff: (a lier o ) days (or sch o her period as applicable law may specify for reinstatement) before sale of the Property pursuant • - po, of on•:'•-• r is curity Instrument; or (b) entry of a judgment enforcing this Security Instrument. Those conditiotii.a,- r w •- ••e ••e l�sum which then would be due under this Security _ Instrument and the Note as if no acceleration had •`cc rred; b)`ur s •-tt P9 a of er covenants or agreements;(c)pays all expenses incurred in enforcing this Security Instrument,i sin. b of im ed'tc, :,.sono ` al;toree's ees;and(d)takes such action as Lender may reasonably require to assure that the lien of t r 8:c• ' An' st CD -" righta rty and Borrower's obligation to pay the sums secured by this Security Instrument shall con nue nchanged. Upon reinsttement!!y B r er,this Security Instrument and the obligations secured hereby shall remain fully effective as rd cceleration had occurre lovJev ' fright to reinstate shall not apply in the case of acceleration under paragraph 17. 11 19. Sale of Note;Change of Loan Se (et The Note or a partial intere irfi,th Note(together with this Security Instrument)may be sold one or more times without prior notice tori�v� A sale may result' am�e in the entity(known as the"Loan Servicer")that collects monthly payments due under the Note and t ' .tier ent' 4i e' l o may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the rst . .` 2r-wdl be given written notice of the change in accordance with paragraph 14 and applicable law. The notice will state the nartre-and est of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. Hazardous Substances. Borrower shall not cause or permit the presence,use,disposal,storage,or release of any Hazardous Substances on or in the Property. Borrower shall not do,nor allow anyone else to do,anything affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials. As used in this paragraph 20, "Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection. 21. Acceleration;Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a)the default;(b)the action required to cure the default;(c)a date,not less than 30 days from the date the notice is given to Borrower,by which the default must be cured;and(d)that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice, Lender, at its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expen es incurred in pursuing the remedies provided in this paragraph 21,including,but not limited to,reasonable attorney's fees and costs of the it; -vidence. ►I / Buyelt "Initials Packet Page -1329- *** OR 4908 PG 322 *** 6/28/2016 16.D.15. 22. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument,without charge,to Borrower. Borrower shall pay any recordation costs. 23. Attorneys'Fees. As used in this Security Instrument and the Note,"attorneys'fees"shall include any attorneys'fees awarded by an appellate court. 24. Special Covenants. I. Subsidy Retention. a. Fair Market Value: Fair Market Value is the market value of the Property as reasonably determined by appraisal. Lender and Homeowner shall mutually select an appraiser whose determination shall be deemed Fair Market Value. If Lender and Homeowner cannot mutually agree on an appraiser,each shall select an appraiser who shall each submit an appraisal. If the two appraisals differ, then the average of the two appraisals shall be deemed the Fair Market Value. All costs of appraisal shall be borne by Homeowner. b. Term:The Subsidy Retention requirement shall commence upon transfer of title to the Property to Homeowner and shall end on the later of(i)the original maturity date of the Note;or(ii)fifteen(15)years. c. Purpose:The subsidy retention amount is the amount necessary to reduce the purchase price to an affordable level for the qualifying Homeowner having an income below one hundred twenty percent(120%)of the Area Median Income("AMI). d. Index: U.S. Department of Labor Bureau of Labor Statistics consumer Price Index -All Urban Consumers Miami-Fort Lauderdale,Florida Area,effective date of proposed transfer. e. Appreciation Limitation: Should Homeowner desire to transfer the Property prior to maturity date of the Note and Mortgage,appreciation shall be limited to the original purchase price plus annual appreciation based upon the Index defined in section(I)(d)of this Mortgage. For example, assume the Homeowner purchases the home for$175,000 and there is a 3%annual income inflation as determined b e--.tndex,,then at the end of five years the house will be worth$202,873.00 representing the projected Homeowner qG p 2 e ithstanding that the Property could be sold for a greater Fair Market Value than$202,873,$202 Alt, • - • •-•le purchase price the house can be sold for,and only to an income qualified Applicant,appy ;by-Collier County 'it !nth Human Services. f. Joint and Several Liability: E6C,17person executing this Mort.,•.�- Homeowner shall be jointly and severally liable for each and every obligation ming hfeunYder.,_\ J -`.._ S` SIGNING BELOW,Borrower accepts and agrees I v =ii •, ■,' his\$ecurity Instrument and in any rider(s)executed — by Borrower and recorded with it. f 1 ''v \e 17 It,� i Signed,sealed and delivered in the presenqf^\ s ,!' i - i Witness#1: /C`vv\rA - /C I ceritot ' *IN Millb Signalur-- i ;N CBorro j� S� GER Signatur-•_ �,.Jaaai�. _ - la Witness#2: -',�Gc�....if'Q (1" t Signature: (/ ,/J-G0 I Address: 4735 6T"AVENUE SE STATE OF FLORIDA Naples,FL 34117 COUNTY OF COLLIER I hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take acknowledgements, personally appeared DENISSE NENNINGER to me known to be the person described in and who executed the foregoing instrument and acknowledged before me that she executed the same for the purpose therein expressed. WITNESS my hand and official seal in the County and State aforesaid this *d y of C . /1 ,2013. My Commission Expires: S�vn�-, v Notary'`-u-blit—'s-Signat e (Seal) /( _:iY\RCJ �C• 1 t�Y Notary's Printed Name f , . `:_ Commission#GD 891857 L / a -' P Expires May 21,2013 l 4 ;1.4 -.dvrs"Try Fa'.Imre'"'"-:f_S)0:S E' Bu er s)Initials Packet Page -1330- 6/28/2016 16.D.15. w uJ 00 zz IFN 0CD 0 0 `sr'i F- H Z Z CD CD_ Ct u 0 0 • w 0 0 41 OD CO rI a` 0 0 ,o 0 vv co co 0 0 co oo ' lo 0 o a® o _o � w- 0 ik w ¢ U o 0 Z Z a ° zz 0 8 0 o 0 0 O LU • N M (O N N 34- 1 • 0 N ,07 CO• d' C te• r, • 4.0 W- J" 000 *+ ti e co co co O i(4 O) 0) 6) 0r,% co co CO � y C T' N F 4` N7 N- r N co co Packet Page -1331- 6/28/2016 16.D.15. DECLARATION OF RESTRICTIVE COVENANTS This Declaration of Restrictive Covenants, hereinafter referred to as Declaration, is made and entered into on the ) day of 3Jc\e, , 2016, by Denisse Nenninger, her successers and assigns, hereinafter referred to as "the Owner", in favor and for the benefit of COLLIER COUNTY, a political subdivision of the State of Florida ("COUNTY"), for the property legally described below. The East 75 feet of the West 150 feet of Tract 105, Golden Gate Estates, Unit No. 79, according to the plat thereof as recorded in Plat Book 5, Page 17, of the Public Records of Collier County, Florida and which has the address of("Property Address"): 4735 64h Avenue SE, Naples, Florida 34117, Parcel Number 40809120002, hereinafter referred to as "Property". WITNESSETH: 1. The Owner agrees to all terms of the Neighborhood Stabilization Program ("NSF") as funded by the Federal Housing and Urban Development (NSP/HUD) program as set forth in the Collier County NSP Action Plan, as amended. 2. Owner had repaid the down payment assistance provided under the terms of the Purchase Money Mortgage recorded in Official Records Book 4908, Page 319 of the Official Records of Collier County, Florida, and agrees that the subsidy retention requirements and definitions set forth therein continue to apply to the Property until April 10, 2028 as follows: a. Fair Market Value: Fair Market Value is the market value of the Property as reasonably determined by appraisal. Lender and Homeowner shall mutually select an appraiser whose determination shall be deemed Fair Market Value. If Lender and Homeowner cannot mutually agree on an appraiser, each shall select an appraiser who shall each submit an appraisal. If the two appraisals differ, then the average of the two appraisals shall be deemed the Fair Market Value. All costs of appraisal shall be borne by Homeowner. b. Term: The Subsidy Retention requirement commenced upon transfer of title to the Property to Owner and shall end on April 10, 2028. c, Purpose: The subsidy retention amount is the amount necessary to reduce the purchase price to an affordable level for the qualifying homeowner having an income below one hundred twenty percent (120%) of the Area Median Income (AMI). d. Index: U.S. Department of Labor Bureau of Labor Statistics Consumer Price Index— All Urban Consumers Miami-Fort Lauderdale, Florida Area, effective date of proposed transfer. Packet Page -1332- 6/28/2016 16.D.15. e. Appreciation Limitation: Should Owner desire to transfer the Property prior to April 10, 2028, appreciation shall be limited to the original purchase price plus annual appreciation based upon the Index defined in section (d) of this document. For example, assume the Homeowner purchases the home for$175,000 and there is 3% annual income inflation as determined by the Index, then at the end of five years the house will be worth $202,873.00 representing the projected Homeowner equity of $27,873. Notwithstanding the Property could be sold for a grater Fair Market Value than $202,873, $202,873 will be the maximum allowable purchase price the house can be sold for, and only to an income qualified applicant, approved by the Collier County Community and Human Services (FKA, Collier County Housing and Human Services). f. Joint and Several Liability: Each person executing this Mortgage as Homeowner shall be jointly and severally liable for each and every obligation arising hereunder. For the term of this Declaration, each and every contract, deed, or other instrument hereafter executed conveying the property or portion thereof shall expressly provide that such conveyance is subject to this Declaration, provided, however, that these covenants contained herein shall survive and be effective regardless of whether such contracts, deed or other instrument conveyance is subject to this Declaration. Upon expiration of the period during which Owner is obligated to operate the Property in accordance with the Subsidy Retention requirement this Declaration shall terminate and shall no longer be effective. [SIGNATURE AND NOTARY PAGE TO FOLLOW] Packet Page -1333- 6/28/2016 16.D.15. Own- ( Al I • ,---by: a ----m- idis "rint: b- ffr- Nennin•er Witness •na re r) Print: - sue.e../24 STATE OF FLORIDA COUNTY OF COLLIER Sworn to and subscribed before me this Cii4 day of730()E-1. , 2016 by \-)e-t-InvccteiL"- (name), (title), who is personally known to me or has produced CThce.i.._ as identification. WITNESS my hand and official seal this day of 2016. ( (affix notarial seal) -&; () (Sjgnat, ce-e-f Notary Public) Ismobiokohrfirdmagiboampledbio (Print Name of Notary Public) ore MOM PinG MARRERO NOTARY PUBLIC Os lifts Public-Suit CiOnel n (.3 fxr, " Commission MFF 933436 Serial/Commission: c::\ k 1 db. My Comm.Wises Nov 3,2019 My Commission Expires: ()CV I ftedifentiONSWilikitarybill. Approved as to form and legality: JENI\iitR A. BELPED Assistant County Attoh* Packet Page-1334- 6/28/2016 16.D.15. ORIGINAL DOCUMENTS CHECKLIST & ROUTING SLIP 16D 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°Bice.The completed rotting slip and original documents are to he forwarded to the Board Office only after the l3oard has taken action on the item.) ROUTING SLIP Complete routing lines#1 through#4 as appropriate for additional signatures,dates,and/or mformation needed,lithe document is already complete with the exception of the Chairman's signature,draw a line through routing lines#1 through#4,complete the thecklist,and forward to Sue Filson(line#5), Route to Addressee(s) Office Initials Date (List in routing order) l.Frank Ramsey Housing and Human Service I Zeydt 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 ol'the addressees above,inclining Sue Filson.need to eentact staff for additional or missing information.All original documents needing the BCC Chairman's signature arc to be delivered to the BCC office only alter the HCC 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 I 6D—7� Approved by the BCC Type of Document Amendment Number of Original 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 he 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 n/a Office and all other parties except the BCC Chairman and the Clerk to the Board 3. The Chairman's signature line date has been entered as the date of I3CC approval of the 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. 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 13CC approval. Some documents are time sensitive and require forwarding to Tallahassee within a certain 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 { Jag Office has reviewed the changes,if applicable, I:Forms/County roans/BCC Forms/Original Documents Routing Slip WWS original 9.03.04,Revised 1.26.05,Revised 2.24.05 Packet Page -1335- 6/28/2016 16.D.15. � D 3 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 [8, 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 COUNTY'SSP ALLOCATION S ;306,155.00 _ Amount b} 50°.AM and Heln» 51°°-E20°°A\Ir Tectal b) Activity Ansonia'. Amount .lctisrry Pia:uuu¢and Administration $ :p a =,:._, j $ c 1'01: ?.cqur.rion and Relrabrleanou ei Foreclose,i Pr.ylrernes ler Rc,ale $ 3 S7a.-::..; ?, 6.67 ;0 3 _l�rr Me).6!i `; _.r tee. .,. S1.526.324.50 S 511.°•,;.:,; S '1>.00.3.0 5 2 '?�,.�_-;0 Acyntstimt and Rehabrlr!nuatr of Farnaoscd Properties for Rcntal •- - `_---_:=- Direct Hontebup z A,si,raucr ra Acgture Fut Fuiedose t?rope ties _ 5 400.000 CC S _ - $ 40f).Wr...0( Horebuc•er Education 5 70.000120 , .Gr,ft fMr 5 :;.5.000 00 i_ 1 n nG Detnoliriou of Acgiurcd Fo:e:losed P:operrtes 5 200.00.0 S l'`r.00(t.CrtO 5 I"vit.Pij l.ip:! 5 ;'.r.+j!(r t" Laud Backing of Properties S X00,000.00 S I?0.0(:Ii 0U S -:0.00t).00 ) ;i t::-'00 TOTALS S -,,306,755.00 S 1,8'21.000.00 S 4.-49.050.00 S PERCENTAGE OF TOTAL ALLOCATION Packet Page-1336- '5.00°° 65 A0°° 6/28/2016 16.D.15. 16n3 :i ,,... APPLICATION FOR CHB Approved Nc. 31)•;',.,,-0006 Version 7/03 FEDERAL ASSISTANCE 2.DATE SUBMITTED Appiicani Identifier ' :1-'TYPE OF SUBMISSION: 3-DATE RECEIVED BY STATE •State Application ldentittor Application Pre-application VI Conetruction Construction 4.DATERECTIVED BY FEDERAL AGENCY Federal Identifier .. __ _......__; 6�A rt-GenLIcATSI S190. TION fl Non-Conetructicn -._.- —___,__.... i —.-.. ._..-------i • Legal Name. }}Orgsnlzatlonal Unit: !Department — ---_ v ., _...__. Copier County Housing and Human Services Orgari��nal DUNS: Division: 88 Public Services Addresses w^� Name and telephone number of person to be contacted on matters Street: Involvin#thls application(give area codel 3301 Tamiami Trail E Prefix: ,First Name; _ Mercy _... 1 City. ;Middle Name r Naples._..... .. ;County; hast Name . i Collier arumbine !ggttatp:a - TEP(ode 34112 Suffix. Hondt �� _ 'Country: -Email: United States — marcykrumbine colliergav net ,-- •6.EMPLOYER IDENTIFICATION NUMBER(FIN) Phone Number(give aces code) Fax Number(gm area code) i f�I1`el-[6.1n cC0�L l0[[CE n 1 239 252-6442 ,259 252-2636 8.TYPE OF AP4LICAT,ON: ---- 7.TYPE OF APPLICANT: (See back of form for Application Types) V Mew f Continuation r Revision County ri Revision,enter appropriate Iotter(s)in box(es) {Sae back of Corm for description of letters) [, they(specify) --_- Y - - I Other(spedty) (J 9.NAME OF FEDERAL AGENCY: Housing and Urban Development 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11.DESCRIPTIVE TITLE OF APPLICANTS PROJECT: :1111.-ii_[ re 1 Collier County Neighborhood Stabilization Program �� TITLE(Name of Program): L�'ft'i 1 ; Neighborhood Stabilization Program _ 112.AREAS AFFECTED BY PROJECT(Cities,Counties.States,etc) Collier County 11J.PROPOSED PROJECT 14.CONGRESSIONAL DISTRICTS OF; �- I Start Date: I Ending Data: I it.AppNcant b.Project January 15,2009 I July 30,2013 ;14125 14/25 16.ESTIMATED FUNDING: 1e.IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE _ RDER 12372 PR.0-C.tie,S.�,......._._...-__...----. p !THIS PREAPPLICATION/APPLICATION WAS MADE tis Federal -•----- ; .-.,..._.... , I- 1 7,306,755 a Yes. AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 b Applicant 0 PROCESS FOR REVIEW ON c.State -4dDATE: f 0 f d Local j�Sb No. iii PROGRAM IS NOT COVERED BY E.0 12372 e.Other x • 0 `° I OR PROGRAM HAS NOT BEEN SELECTED BY STATE f _._ FOR RgVIEW i f Program Income ��YTi 17.18 THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? • 0 g.TOTAL 7.306,755 0 Yes If"Yes'attach an exptanation. in No 18.t/THE BEST OF MY AN K O EDGE" D BELIEF.ALL DATA IN THIS APPLICATIONIPREAPPLICATION ARE TRUE 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 IS AWARDED, a.CkJIP.911kfi11.B.Porapentativa _ ..._......,......_ ......___..5.._-_ ___....._... rip.frx 1 Tom Name yvtiddle Name Last Name ulfix Henning ib Title Telephone Number(give are*code) Chairmen.Board of County Commissioners •• ..... r 239 252.8097 d Signature of Authorized Representative :' ' Date Signed 11 t ry 4^ 1/1 Ixevroua Edition Usable ,,randard-arm 424 Rev 9.20041 A,c)hnr'.e.IW Local Reproduction Apptee emetQV aeteg a�1 ICienCyr ATTEBT: OW14F T E, 13RUGK, t;1atF C • 0/ , // ! '1 ..r Colla,n Greene, 8y. ---al Assistant County Attorney Attest es to Che s Packet Page-1337- 6/28/2016 16.D.15. 1 6 D 3 .. . ....._. .._.... " i I- 0 al g EL 1 ‹ .4 co 41 6 ti) _ 64 tR an I g g. n 1 , , .ct LI, u. •-• I cr 0 `6 Z Z 1(r, , vs• 'il vi k ts) , v) g 1 I t i 1 1 1 1.- 5 Or C U. 0 0 IY) "43 LU 1 I 13 2 c 1 it t s ; o cn 0. 1(1 ; k i i Cli 9 t Ts' l w I 1 i 8 1 , 3 u_ 6 s 2 9 i ct, i,v 1::-. z 9 al I ., g ',i• 6, to z Ez. 4,4 , 0 CI R 0 I . = Z E - ,...,\D ko I 0 1 Ill wu.. '-' _ O I-- r.• 1 i — i 1 I 1 . . o : I 0 = --' '.4 I I F. I e•—• , ' t C rt , O 0 - -C g , ,T. • (...) 2, di C - - ' P 5 (2 2 = i 0 -C- Ei- .0 - , t 0 i I u P 6 Til I- ' C 6: ';;-). Y ,-;.,4 -1? tth •E Ea, g- ' ' ' 4,3 — - - 0 . i .ii U LI u.., I,- 1 al tn 0 (,) (..) ic2 i 2 , i- •-, . E t. 12 15 ti, ID U I '0 ili ._.. ff• c" cn II, F f,9 7' In ! , e , L 1 -4 I l. .- _1 a: -, Packet Page -1338- - 6/28/2016 16.D.15. 1 603 I , . . . � ' L 64 1 \ \ /i f i \ o 10 7 / 1$ / } \ ; 2 ® ! , ; ® ® , ® ® . . l . § § | . ¥ 2 ! \ ƒ/ 2 . ) 7 a. § \ . o . uj 0 Lt 1 ® ' ® , ! ® @ , 00 » I i ® 1 � i z \ \ g 4 IL 8 ■ ƒ p ] mo § ut EL ■ 2 o � , ® & _ - g _ . U) o § k r , � « 2 ! f 2 i® 1.1-j § l2 2 k ® 2 } 1 1 IL . lk sg Et! -t , § . \ ! ; ' X ! � § k ( / ! $ LU ' 13 �. - , I ® , o � - ¥ \ , ® ( ` Vi. 2 Z § I §§in Ii ! i . Do 1 E . , E E ' ! e 1 | ` ; } ia. ƒ + § / ' . 1 i f , ` i - f } § { � ; ! \ § 1§ 6 i Ik | Q w '° ! \ • k : j, ./) • f/ \ \# /CO . / - } < / . 0 } W 1 0 W § 0 \ , k t . e z e w . e z , } k ; & § » § § ƒ § f § \ b § i. ;\ I\ - . . . . .... Packet Page -\Jƒ 6/28/2016 16.D.15. 1 6 D 3 0M9 Approval 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 jlnstructions, searching existing data sources, gathering end maintaining the data needed,and completing and reviewing the collection of 'information. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for L'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 ot the applicant,I certify that the applicant: I. 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 (P,L 92-255), as amended, relating to nondiscrimination on the basis of drug 2. Will give the awarding agency,the Comptroller General abuse; (1) 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 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. Will 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 Ill 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 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. WIN 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. Will comply, as applicable, with provisions of the Amendments of 1972,as emended(20 U.S.C. §§1881- Hatch Act (5 U.S.C, §§1501-1508 and 7324-7328) 1683,and 1685-1686),which prohibits discrimination en 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. Pravious Edition Usable Standard Form 4248(Rev.7.67) Authorized for Local Reproduction Prescribed by OMB Circular A-102 • Packet Page -1340- 6/28/2016 16.D.15. 1603 ‘ g. Will comply,as applicable,with the proviaiens of the Davis- 12. Will comply with the Wild and Scenic Rivers Act of Bacon Act(40 U.S.C.§§276a to 276a-7),the Copeland Act 1968 (16 U 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 rivers 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 Preservallon l0. Will comply, if applicable, with flood Insurance purchase Act of 1986,as amended (16 U.S.C. §470), 80 11593 requirements of Section 102(a) of the Flood Disaster (identification end 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(18 U.S.0 §§469a-t 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 wtth P.L.93-348 regarding the protection of human subjects Involved in research,development,end 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.1. 89.544, as amended, 7 U.S.C. §§2131 el Executive Order (80) 11514; (b) notification of violating seq)pertaining to the care,handling, end treatment of facilities pursuant to 80 11738; (c) protection of wetlands warm blooded animals held for research, teaching, or pursuant to E0 11990; (d) evaluation of flood hazards in other activities supported by this award of assistance. floodplains in accordance with EO 11988; (a)assurance of project consistency with the approved State management 16, 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 175(c) of the Clean Air Act of 1955, as amended (42 U,S.0 §§7401 e1 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 1995 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 (Pl. 93- Organizations." 205). i 18. Will comply with all applicable requirements of all other Federal laws,executive orders,regulations,and policies governing this program. _ 1 _ SIG AT1JI E OF AUTHO ED_CERT `� NG OFFICIAL ETITLE �/ I Chairman, Board of County APPLICANT ORGANIZATION DATE SUBMITTED IF Collier County E1 tC�/�a� J <' ___ Standard Form 424E(Rev.7.97(Back Approved as to form&legal sufficiency .° ADWIGHT iS�Ht't'E. 3Rt]ClC,.Cferk Colleen Greene, l', ' . • /, ..A ',� f • Packet Page -1341-:4 .: al ":0 s 6/28/2016 16.D.15. 1 6 3 CEIRTIFICA'TIONS (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 NSF 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 Ill 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 NSF 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 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 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 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 -1342- 6/28/2016 16.D.15. 16D3 (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,7,K,and R of this title. (15)Compli � e with t:t. The jurisdiction will comply with applicable Iaws. Signat-"•uthorized Official Dat Title Approved as to form&legal sufficiency ATTES"I. • DWIGHT S._ MOCK Clete = Colleen Ciresne, ' - Assistant County Attorney By Attest is to Cte l rsekt,,s:,. .., 1 signature ostw . • I i0 Packet Page -1343 6/28/2016 16.D.15. 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 (NSP)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 NS?ALLOCA.T0ON S ',306.7:5.00 Amount by 50%ANTI and Below 50%-120%AMLI Total by Actin ify Amount Amount etiriry• Planning and Administration S 730.(175.00 $ - S S 730.675.00 Acqu soon andRehobt1 lttion of Foreclosed Propenres for Resale S 3.819.155 30 $ 7;0.6:5 S0.'S 3,149.080.00 S 3.0:19.135 50, Acgmstion arta Reha btlnatror of Foreclosed Propenes for Reran' S 1.526.324.50 S S11.324.50 S 715.000.00 5 1.526.324.50 Duerr Hometrrwer Assistance co Acquire Foreclosed Properties $ 400 000.00 S - 5 400.000.00 S 400.000,00 Hotnebuver Education S '0.000.00 S_ 35.000.00 S 35.000.00 S 70.000 00 Demolition of Acquired Foreclosed Propenes S '00.000 n0 S 100.00000 $ 100.000,00 S 200.000 00 Land Barking of Properties S :00.000.00 S 130.001;00 S 370.000.00 S 500,000.00 TOTALS S 7.306.'55,00 S 1_S27.000.00 S 4,749.080,00 S 7.306,755.00 PERCENTAGE OF TOTAL ALLOCATION 2.3.00°e 65.00% • Packet Page-1344- 6/28/2016 16.D.15. Agenda item No. 16D3 November 18, 2008 Page 2 of 39 The proposed NSF Amendment must he 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 NSP 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-1345- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18,2008 0,,13e r:,,i Page 3 of 39 ,.-, 1 , 1 ‘ U.S.DEPA RTM EN7'OF I R )USING ANT)URBAN DEVELOPMENT �`x(1l F•I* WASHINGTON,DC 20410-7000 1'4.ory"°r ,EP 2 6 2008 RECEIVED ASSisrANT.stnt13TAltV FOlt C'OMktl°NI'fV i'i.ANNING Ar'1)Drvfa.01'MEN'r OCT 03 2008 . _ The Honorable Torn Henning Board of County Commissioners Chair, Board of County Commissioner • County of Collier 3301 E.Tamiami Trail Naples.FL 34112 • I 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 NSA is authorized by the recently enacted Housing and Economic Recovery Act of 2008(HERA)and is funded at a level of$3.92 billion. 1 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 lung 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 he available September 29, 2008 on HUD's website at www.hud.gov/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 NSP 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 grantees. • • t fi'u.'' ,sww.hud.gov espanot.hud.guv• 1I p� .:ti • r 7 ``JAA/ Packet Page-1346- . ..... 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18,?008 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 and other aspects of HERA. Information on the housing summit can be found at Www.hud.gov. Further,HUD will conduct a series of one day informational sessions on the NSP 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 NSF 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, IL—PW12-6-A) Susan D. Peppier Assistant Secretary Packet Page-1347- 6/28/2016 16.D.15. Agenda Item No. 16D3 1 November 18, 2008 Page 5 of 39 OMB Approved No. ab76--0006 'Version 7103 APPLICATION FOR FEDERAL ASSISTANCE f 2 DATE SUBMITTED 'Applicant Identifier 3.DATE RECEIVED BY STATE - Siete Application Identifier j 1.TYPE OF SUBMISSION: Pre-application {Application Pre-app -. �( Conetruation Construction •4,DATE RECEIVED BY FEDERAL AGE I Y' Federal Identifier IC.Nort•Cenktivation • nNo_t_CPIl9 wi9.B._s__.__.___. --___.__.-__.___..._.—.____ - _.,„__ — ___ E.APPLICANT INFORMATI,O1W— -. .---------- iLegal Name: 4OrgantzaUonal URIC - w t OepartmefL Collier County Housing and Human Services - _—_ qtgenizeltanal DUNS: Division: 076997700 Public Services Address: Name and telephone number at person to be contacted on matters Street: Involving this application .ive area codec 3301 Tamiami Trail E Prefix: ;First Name: • Building H _._._ ._._..._---- I Marcy.._._- _-. ------ _.— City. I Mlddte Name - _._. County: (JCrumbineam Collier _..._.. — mss. State Zip Code iSuffix. Flonda 34112 Country: !Email: k United States - I marcykrurnbine(Ftcollierpov net 6.EMPLOYER IDENTIFICATION�R� NUMBER{EIN), 'Phone Number(give area code) Fax Number(give arae cods) {I 5 9-G D I©®t:LUl.t 239 252.8442 239 252-2636 �� I r i8.TYPE OF APPLICATION: 7.TYPE OF APPLICANT: (See back of form tor Application Types) ( 17 New f Continuation r Revision County t Revision,enter appropriate Rattails)in box(es) Dthar(speedy);'See beck of form fot description of letters) 1.•T U0 V Ome (specify) osigbnveoNCY: Huand UraDevelopment nt 10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11,DESCRIPTIVE TITLE OF APPLICANT'S PROJECT: ;-- f-' Collier County Neighborhood Stabilization Program TITLE(Name of Program); Neighborhood Stabilization Program 12.AREAS AFFECTED BY PROJECT(Cares,Counties,Statae,etc I.' i.Collier County 13.PROPOSED PROJECT -_�- 14.CONGRESSIONAL DISTRICTS OF: Steil Date: Ending Date: a.Applicant b.Protect July 30.2013 ;14/25 1;4125 r,January M,TED009 11g.IS APPLICATION SUBJECT TO REVIEW BY STATE ER CUTIVE 15.ESTIMATED FUNDING: y pRDER 12372 PROCE3.? 0+ �lTHIS PREAPPTIGATIONIAPPUCATION WAS MADE :a Federal `S 7,308,755” a Yes, AVAILABLE TO THE STATE EXECUTIVE ORDER 12372 --- i ---- PROCESS FOR REVIEW ON b Applicant 0 • . c,State S °� DATE: 0 fri Outer �• PROGRAM IS NOT COVERED BY E.0 12372 e Loser I 0 b No ri OR PROGRAM HAS NOT BEEN SELECTED BY STATE e. I 0" FOR REVIEW f Program Income �- - ... -� _ 117,IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT? 0' i g,TOTAL i 7.306,755 ' i 0 Yes If"Yee"attach an explanation, 0 No j 16.TO THE BEST OF MY KNOWLEDGE AND BELIEF,ALL DATA IN THIS APPLICATIONIPRI3APPLIZATILit�ARE trtUE Aid)CORRECT. THE ioOCUMENT 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. a AS1lLt.PSt u RPnreRentative r Middle Name -- - -� ��efix J IF1tet _•.__ _ ,.,,�.�._--.__......_. . om Name Last Name Suffix !HenTitle ni — - - - Telephone Number(give area code) ii 230 252.0097 Chairman,Board of County Commissioners - 'p Date Signed P Signature of Authorized Representative - _ i...._.---- __,_ — Standard Form a24 iR ry>w-ZD03 • t�+CVlot.r Edition Local o _ _ Apptenettitasttt�ufnmerket aAslavidency t �+:IJtnr;,-c-rf(0[LL'Cai Rooraltuciro'i (_ ATTEST: DWIGHT E. BROOK, Clerk I f I t r;,.( /0 Colle=n Greene, Eity: Assistant County Attorney Packet Page-1348 6/28/2016 16.D.15. Mco(T 0 Q M m oN o �co a _�.....__ m o z.-- 0� 2c Q co tar a Z p . �` -�_ _ �--.1 .at v m3 •2 m Ct a `o Z aro sva `i vi +t! U) to z. • j O L P 0 m a CLL a m , u a LU Q ta _ il z vo LD u. 2 0 a r C — ' m U. c z 6 1.2 O d t 0. i12 P. U o f0- ...w O g u4 ,....._,___til ,, 3) 3'c io i 1!. 'n z E T N r 'o 10 l� W W �i 0 ca caM N N l F.--, i I u_ I O v, Z N rte-, C nra9 E. 'b' 0 0 --4 gvr co ft 8 J ( in as 0 g U tO NI ,.1 3 yr ! a N ' a L a G ...,t �[( {J R t-1:_ i~ U1 f7 u F- U li_ a. ! a,- F"' ., 10. ,L` C) ti fU u... (T -. ..._ .-, .- ,,, 11J a a. .- ni rS 1 u7 (ti _ _.u.� ` 1 ...._.1. a Packet Page -1349- 6/28/2016 16.D.15. L.m to co-Q(1-a Q is W 12 ro o I.. m C 3 N dEa ti} E9 64 64 tft Li "E EN '2 w L g k'' ro u f= ` It iii z (..) ,Ei 0 1 e 03 a A z as (..) v LIJN a = U Q e) C CG Z to LL t QI 4,5 1 (A. en a v► le* O V = it hal ,tQ rn t Z LL ._ a 141 Q- z a i I i o O 1 to Ets W t ' .p zCi z O g fi= F- tiN }. Q F to w w i. trf U.' a W W eA a3 0 0 00 uJ F I ID- I . ti a T tS TM C c mi c",-6' C CI 4 o a 2, 0 Q N r :N of t vi r .- Y t ...w tti ' c0 tTi CV N Packet Page -1350- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 Page 8 of 39 0M5 Approval No.0348-eo40 ASSURANCES-NON-CONSTRUCTION PROGRAMS jPubtic 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 collection of (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 Ad 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. 08101.6107). 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 (Pa. 92-255), es 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.1.. 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 Art 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.03601 et seq.),as using their positions for a purpose that constitutes or amended, relating to nondiscrimination in the sole, 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 statutes) under which application for Federal assistance is being 4. Will initiate end complete the work within the applicable made; and, ()) 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. Wilt comply with the Intergovernmental Persennof Act of 7 Vigil comply, or has already compiled, with the 1970 (42 U.S.C. 04720-4783) 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.1.. 91-646) which provide for Appendix A of OPM's Standards for a Merit System of fair and equitable treatment of parsons 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, Will comply with all Federal statutes relating to to all interests in real properly acquired for project nondiscrimination. These include but are not limlied 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 at 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.§§1681- Hatch Act (5 U.S.G. §§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 Unable Standard Fonn 424B(Rev.7-97) Authorized for Local Reproduction Proscribed by 0Mt3 Circular A-102 Packet Page -1351- 6/28/2016 16.D.15. 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 Wild and Scenic Rivers Act of Bacon Act(40 U.S.C,§§276a to 276a-7),the Copeland Acl 1968 (16 U.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 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 1966,es emended(16 U.S.C. §470), EO 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(10 U.S.0 §§469a•1 et 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 Pl.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 or Environmental Policy Act of 1969 (Pt. 91-190) and 1966 (P.L. 89-544, as amended,7 V.S.C. §§2131 et 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, fioodptains in accordance with ED 11988;(e)assurance of project consistency with the approved State management 16. 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 i rehabilitation use of f residence lead-based in construction or Federal actions to State (Clean Air) Implementation Plans s. 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 (Pl. 93• Organizations.' 205). 18. Will comply with ail applicable requirements of alt other i Federal laws,executive orders,regulations,and policies governing this program. SIGNATURE OF AUTHORIZED CERTIFYING OFFICIAL 'TITLE Chairman, Board of County nainia DATE SUBMITTED c c it a APPLICANT ORGANIZATION i n n o Collier County • Stentiod Form 424a(Rev.7-97)Back Approved as to form&legal sufficiency ATTEST: • /l/ ,oi /1 / DWIGHT E- 3ROCK,Clerk Colleen Greene, Packet Page -1352- 6/28/2016 16.D.15. 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 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. ti (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 AML 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 1)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 Iacks NSF or CDBG funds to cover the assessment, 9 1 Packet Page -1353- 6/28/2016 16.D.15. 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 rain 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. S ignature/Authorized Official Date Title Approved as to form&legal sufficiency ATTEST: DWIGHT E.. B1 OCK,Clerk Colleen Greene, Assistant County Attorney By: 10 Packet Page -1354- 6/28/2016 16.D.15. Page 1 of I 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 10/2212008 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 11/1012008 4:00 PM file://C:1AgendaTest\Expart\116-Noveml:- "'""'""^""" '5.%2000NSENT%20AGE... 11/12/2008 Packet Page -1355- 6/28/2016 16.D.15. Agenda Item No. 1603 November 18, 2008 Page 13 of 39 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: marcykrumbine@colliergov.net 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 (I) are least likely to suffer foreclosure or abandonment during the next eighteen (18) months. Packet Page-1356- _. __ 6/28/2016 16.D.15. 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-1357- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 HUD Foreclosure and Abandonment Risk Scoring System Map Page 15 of 39 /f +31`�•41.: COWER COUNTY FLORIDA 2000 CENSUS TRACTS % -• al _ t - — '�_ `k" • it 1 1 02 t it • tc11 4, .. , 1160! _. 164.011 —.. .. 1914:99 _ - 1.9".0 .f•-- ...-_ yy lr 1 ;' 1 O • - � {7 Il -- i� .fwd.' _1 J tO<.., ; I --.:1:1`Al,ltittc:ssa,--. , ,,...... �qt � 1 -- --- , , 17,wp1" t ' n{ 1111,\' f":' _1i _ ; r;la.4, ta,.~.„; IOLO.'. j y \% R\.1 19.01 ,1,,,,'75 t • IIIAI \ : thy yr.s•N•N ..,,4 y 4. I \„IL,..,,-,,,;:,,,:.,-r,,1, 1 f fa.f¢nsuaf lAWINDONVENT Hera \7-4,,,„ (' • i�"I ' R "t� c>J i • 4.........,n, M.KMTa ' t:,•!n1�y , ., fes. v�'�` .....oma s '*' t , 'ii'. 4x•I,y�'ti/•.(� . -. w..n+na• 7 C^3�L4�,�1 n• tM4' p,�.� S�; 1• '' CtAt r „;•r ., 1f . �4 ..,_.. 3 Packet Page-1358- 6/28/2016 16.D.15. Agenda Item No. 1603 November 18,2008 Collier County Foreclosure Map and Table Page 16 of 39 d„a mumr P.O. 1,,1 r x+ s., , ,a. ZIP CODES �IW�9 i LL'. 3110211!”,11,0;,i;,.,,,•:.130.yyy µ•t Caller gq�.�,y,� PIM .P� '. 3 C,/y -\ -fom•i.(.4i@F 6/a�� .1 NIRI� S �: r OA a IttiTaidiat tt. a, tL rJIMY :S,tl �"r. : uut:m !T V-•;.-1, .''.;."...„,:;,..,,,„..:11.7,"..77.7•, e>�~'aMrn omk 5 !ML .�... IA' ier t7 'il'i s fr a®' e . + C'is^'t'+'t^, c 6i1Q/ F r S` ` ��^ Y�}A� kkr;ix rt muter ati*! 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Agenda !tern 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 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, 5 Packet Page-1360- 6/28/2016 16.D.15. 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 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 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. 6 Packet Page-1361- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 Collier County's Department of Housing and Human Services has a Local Housing Assistance Pe9gU iA TeR 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-1362- 6/28/2016 16.0.15. Agenda item No. 1603 November 18, 2008 bank is a governmental entity, it may also maintain abandoned or foreclosed property that it doenwo' ij 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%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 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—ie., • 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-1363- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 Should the initial inspection and/or rehabilitation work determine that demolition of the dwellin it?d 40141 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 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 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 Hruby-AU Sent:Monday,November 03,2008 12:17 PM 9 Packet Page-1364 6/28/2016 16.D.15. Agenda Item No, 1603 November 18, 2008 To: KrumbineMarcy Page 22 of 39 Cc:RamseyFrank Subject:NAP Grant Submission 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 10 Packet Page-1365- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 The NSP substantial amendment proposed by Collier County targets several specific areas in Collier County which Nsget2tiighfr8ti of .••••••-. foreclosure,as well as subprime mortgages. I would ask that you consider adding another area which includes Irnmokalee, 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 heacchione(crieorncast.net. 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 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 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, 11 Packet Page-1366- 6/28/2016 16.D.15. 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 Maht' 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 Immokalee, 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-1367- 6/28/2016 16.D.15. 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 -1368- 6/28/2016 16.D.15. 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 least 15 percent from the current market-appraised value. The current market appraisal will be made in 14 Packet Page-1369- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 conformity with the requirements of the URA at 49 CFR 24.103 and completed within 60 days pikget4Zufdffer 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 -1370- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 households earning no more than 120 percent of the local area median income. Special preferen&gba"1$19i39 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: 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-1371- 6/28/2016 16.D.15. 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: G. 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. 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 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-1372- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 All properties receiving assistance from the Neighborhood Stabilization Program (NSP)will be R48me PbJ O9 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 (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 (1) 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); I8 Packet Page -1373- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 o 570.202 eligible rehabilitation and preservation activities for homes and other residll 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 -1374- 6/28/2016 16.D.15. Agenda Item No. 1603 November 18, 2008 The purchase price for all properties acquired with NSP Funds during the initial 18 month period''ou 13hcdf 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 nontraditional 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 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. 20 Packet Page-1375- 6/28/2016 16.D.15. Agenda Item No. 16D3 November 18, 2008 .-., In no event shall NSP Funds be used to assist households earning more than 120 percent local arEalittellialf 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-1376- � _^ 6/28/2016 16.D.15. 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 Alliance 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-1377- 6/28/2016 16.D.15. 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 Identifiedd 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 he 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 -1378- __... .. 6/28/2016 16.D.15. 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 NSP Activity listed within this Substantial Amendment, a portion of which may be used for program administration. Activity#6—Land Banking of Acquired Properties (I) Activity Name: Land Banking of Acquired Properties (2) Activity Type: Land Banking of Acquired Properties • Establish Iand 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 Iow 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 -1379- 6/28/2016 16.D.15. Agenda item No. 1 603 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 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. 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 (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. 25 Packet Page -1380- 6/28/2016 16.D.15. Agenda item No. 16D3 November 18, 2008 Collier County shall place program income derived from the sale of the home or residential prop propEttrifitb439 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 NSF 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 I8-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 NSF 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 Acquistion for Resale 3 13 13 Acquistion for Rental 6 2 2 Direct Assistance 2 3 3 Demolition 2 3 3 Land Banking 2 I 1 Total 15 22 22 26 Packet Page-1381- 6/28/2016 16.D.15. 0 0 0 0 0 0 0 0 c�CO Cr) C) Vl V) O 0 O 0 C 0O „ 4' Ln 4 o O O P N o ,,_N O .p 7 N N N O Q O O Ln .q t` M O O O O I-- M _ Q Oi . O O 6' O .b N 4 cJ dt-- a O M - Qcn ` A tf) ,--, t". 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