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DEVELOPMENT OF NEIGHBORHOOD HOUSING SERVICES --;,~ "">I.'l't> .~ ! J [ ~' "", COMHU!lI'l"! D!VlLOPMBft IlBP Al.TMlft June 5, 1978 Mr. Donnie L. Bryant, Assoc. Director for Ad1ll1nistration and Finance Urban Reinvestment Task Force 1120 Nineteenth Street, NW - Suite 600 Washington, D.C. 20036 near Mr. Bryant: In N8ponse to your letter of June 1, 1978 we are tratunnitting herewith a cheek for $30,000.00 88 iDitia1 payMlLt towards the dew1op_tal budget to establish a tfelghborbood Bo_illl Senice 'Progr_ in the City of Clearwater, Plonda. ~. neelrely, ~l eo.-uni t op11l8nt Planner DJ/sn IIlc10sun ,. ---J . . - ~. :::1:, ~~.,,::~ -"i--.s.::: '4!C.~ '~7~-' '" BA,RNETTBANK OF CLEARWATER NA '.,. _ CLEARWATER, FLORID...., . J'>CJTY,OF,C~EARW,ATERJ' '.' " ....v-CON:SQ(IDATEDCASHA<:C UNT ':p'::'. ';.:i:< ,'.p;~~(:;f\?H"v:"" "/Mav 2S}i//"'."',JYgiU.:/::i ..-~ :~:i~): .-.:,_:Y.: ';;;";:: .:<::. "-:, ::::i:?\\B);i~'::fj;:~:.:)g< ;1.-:;=;........:.:. j' '>> 63.612 ~ ;':'';-;-::;-';:''-". :. ':'-;\_'(C::-/~': """';'>:..;"{';;'; .~;0fj};ji?!.;i:f:;<-~Ij:~i: ,::-:',,::,..::::..:<:_;..-:.- .'. 'l"';;; ....-.-.;.. .~:..::..::_.;. <;:;:; .- .. i xt/.:.:.~:. ;"';;::;;::::;" :;:.;.: ;'-(;~~~J)i~~;:\~tJ{;~::~;[:.;' ~- ~'-:-~ ;:.:.:..,:.,...:...'.:.;....'.. ;:':.;".";;; ;.;".;.;:: I::: .;.;.;::.:#:::-:.;'" ' ..';.... ........;.:;;. 1110 2 5 ~ g 7 III I: 0 b ~ 1111 0 b 1 2 I: o 0 ~ 0 7 5 2111 INVOICE DATE T INVOICE NO. I INVOICE AMOUNT I P,O, NO. CODE AMOUNT Initial payment towards the developmental 381 1 9422 395 30,000.00 budget to establish a Neighborhood Housing 077 Service Program J.n the City of Clearwater (contract approved by City Commission on April 20, 1978) LOWER HALF FOR RECORD - DETACH BEFORE DEPOSI TI NG CITY OF ClEARW A TER '- Urban Reinvestment Task Force -, ! I ~ UlAN ~ ~D~ ~ ,.: ~.i$ . t>P ~ \.DAN ~ IMjj~ .~ ,~ ~ ~~ ':/ * "'. ....1-....NT 0/1' <1 ~~~ ~~n +0,.. ~ * IILOIII * J .~ III .~ 01~AJO ..... C) 1120 Nineteenth Street, NW" Suite 600, Washington, D,C, 20036 Phone (202) 634-1689 Comptmller 01 the C.urrency Administrator 01 National Banks June 1, 1978 Mr. Donald U. Jass Community Development Community Development City of Clearwater P. O. Box 4748 Clearwater, Florida Planner Office 33518 Dear Mr. Jass: Pursuant to our recently executed agreement for develop- ment of a Neighborhood Housing Services program in the city of Clearwater, please accept this letter as our in- voice for initial payment in the amount of $30,000.00. Your check should be payable to the Office of Neighborhood Reinvestment of the Federal Home Loan Banks. Please send the check to my attention. If you have any questions regarding this matter, please feel free to contact me on (202) 377-6480. L';/A Donnie L. Bryant Associate Director Administration and DLB : j j Attachment ~i~~ ~\ .r~r~t~ " .= I' l] , ' ""I'~..l ,'~ ',~,l"" i"""H:~~r-~~ -,'rG& ,,'?.MENT '", . t..,. J I \, \ \' 1~- ( - NHS DEVELOPMENT AGREEMENT This agreement, made between the Urban Reinvestment Task Force (Task Force) acting through the Office of Neighborhood Reinvestment of the Federal Home Loan Banks, and the City of Clearwater, Florida, provides for the development of a Neighborhood Housing Services (NHS) program in the City of Clearwater in accordance with the following provisions: The NHS Program An NHS program includes the development of a working relationship between residents of a specific neighborhood and a group of financial institutions in cooperation with city government. It involves the creation of a Revolving Loan Fund which would be controlled by the NHS. The NHS assists residents of the neighborhood to improve their homes and bring them at least to minimum code standards, by providing counseling, assistance in dealing with contractors, referrals to private financial institutions, and in:cases where the homeowners are unable to meet commercial credit standards, by providing direct loans at flexible rates and terms. Developmental Process Bringing a viable NHS into operation envisages an effort lasting at least 10 to 12 months, involving a careful process which has been developed over the past four years of successful implementation of NHS programs in over 45 cities. NHS represents a sophisticated blend of private-public-community involvement, and must be constructed with the greatest care. The first months are spent in developing working relationships with local govern- ment, community and financial industry representatives, and selecting a local staff person with the skills and knowledge about the local scene needed to work out cooperative relationships, under the super- vision of the Task Force's Field Representative or Field Supervisor. In cooperation with the District Federal Home Loan Bank, the District Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and State bank and savings and loan supervisors, as appropriate, the Task Force will help convene financial institutions, and obtain their interest in the program. One or more meetings of industry leaders called by the regulatory agency heads should take place before the actual workshop program begins. When the necessary relationships have been developed, a 24-week work- shop process is commenced wherein the concept is introduced to a group of approximately 45 persons (about one-third each from financial institutions, the community at large, and local government and regulatory bodies). These individuals adapt the NHS model to local institutions and situations and form a committee structure which works out the details of incorporation, funding, neighborhood priorities, etc. -~-"l /' / '~ .~ ~ " I I The Workshop activities include: (1) a three-day session (Planning and Orientation Workshop) followed by six to eight weeks of committee work; (2) a two-three hour session (Site Selection Workshop) followed by six to eight weeks of committee work; (3) a one and a half day session (Resident Inclusion Workshop) followed by four to six weeks of committee work; (4) a two-three hour session (Organizational Meeting) followed by a month of committee work; and (5) a two-three hour session . (Incorporation Meeting) resulting in the actual incorporation of a local, nonprofit NHS. After incorporation, the new organization is aided in obtaining its nonprofit tax status, in obtaining foundation support and in selecting and training permanent staff. The local Task Force's staff member then works for a short period with the newly hired NHS staff in setting up work procedures. When the program has become fully operational, an informational seminar is arranged for lending officers and appraisers of all participating financial institutions, fee appraisers, representa- tives of private mortgage insurance companies, and regulatory agencies for liaison and informational assistance, and the NHS becomes an independent private entity. Time for Performance The Task Force estimates that 10 to 12 months of developmental work will be necessary before the NHS program can be incorporated. This time period is based on past experience; failure to complete the NHS developmental process within the estimated time period shall not con- stitute by itself a breach of the contract. City Involvement in the Developmental Process City representatives shall work closely with the developmental program participating in decisions on reinvesting in the selected neighborhood. 1. The Task Force staff will maintain liaison with the City during the developmental program. Appropriate City staff members shall be invited to participate in the Workshop activities. 2. During the developmental program, expressions of neighbor- hood desires in regard to services and public improvements and amenities will be obtained. In discussion with City officials, an agreement will be reached on attainable goals and timetables of improvements. 3. Where City services are in need of improvement to upgrade the neighborhood environment, these services shall be improved by the City. Where public improvements and amenities are in disrepair or lacking, the City shall improve or provide them. ~ ' '. ~ ~ I I Termination by the Task Force due to Adverse Factors Adverse factors could arise which would make the development of an NHS program impossible. These include the inability to retain the cooperation of a sufficiently large number of financial institutions to support the program, determination that there were not sufficient public or philantropic resources to develop adequate revolving loan funds, or the development of neighborhood antagonism to the program or political opposition to it. In the event such conditions arose and could not be overcome, the Task Force would inform the City and return any unused portion of budgetary support which has been pro- vided for the developmental program. Developmental Cost The City agrees to pay the sum of $35,000 to the Urban Reinvestment Task Force; $30,000 of which shall be paid upon the execution of this Agreement and $5,000 of which shall be paid from fourth year Community Development Block Grant Funds, when available, as budgetary support for the developmental program. The Fiscal Agent of the Task Force will act as the program controller, and imburse and account~-for funds. Payment must be made payable to the Office of Neighborhood Reinvestment and forwarded c/o: . Constantine Giviskos Assistant Director for Finance and Administration Urban Reinvestment Task Force 1120 Nineteenth Street, N.W. Washington, D.C. 20036 Developmental Budget The following budget indicates the estimated expenses comprising the developmental cost of $35,000. The Task Force reserves the right to change allocations among the budget items in accordance with actual expenses: Local Staff (full-time, approximately 10 months) $13,000 Fringe costs (FICA, life and health insurance for local staff) 2,000 Workshop Expenses: Lodging, meals, meetings Speakers, resourse persons Participants' travel 8,000 2,000 4,000 Follow-up seminar for lending officers, appraisers & private mortgage insurance representatives Support Services (Board orientation, etc.) Miscellaneous: Materials, postage, printing, telephone, contingencies TOTAL: 1,000 3,000 2,000 $35,000 " . .. 'I I The Task Force will furnish monthly financial reports to the City and a copy of an annual audit report. The books and accounts of the Task Force, as they pertain to this program, shall be open and available, at all reasonable times, for examination by City auditors. Any unexpended balance of develop- mental funds will be made available to the NHS corporation. Support of the NHS Operating Budget Operating expenses for the NHS organization will approximate $60,000 per year, per neighborhood, on an ongoing basis. The Urban Reinvestment Task Force will, as part of the developmental process, endeavor to obtain private sector support for the operating budget. If necessary, the City will consider the contribution of any deficit in the NHS's operating budget. Support of the NHS Revolving Loan Fund The NHS Revolving Loan Fund must be built up to a total of $300,000 or more per neighborhood over a two or three-year period. In order to help capitalize the Revolving Loan Fund, the Task Force agrees that upon successful development of the NHS, it shall grant $50,000 for a single neighborhood program or up to $100,000 if a multi-neighborhood program is developed. The City agrees that, upon establishment of the NHS Corporation, it shall grant the sum of $250,000 to the NHS; payable $75,000 from fourth year Community Development Block Grant Funds when available and $175,000 from fifth year Community Development Block Grant Funds when available, to capitalize its Revolving Loan Fund. Legal Liability of the Office of Neighborhood Reinvestment The Urban Reinvestment Task Force is a joint effort of the Secretary of Housing and Urban Development, the Chairman of the Federal Home Loan Bank. Board, a member of the Board of Governors of the Federal Reserve System, the Chairman of the Federal Deposit Insurance Corporation, the Comptroller of the Currency, and the Administrator of the National Credit Union Administration. The Task Force provides policy guidance for the work of its staff, but does not act as a contracting party. The Office of Neighborhood Reinvestment of the Federal Home Loan Banks has assigned members of its staff to work as the staff of the Task Force; the Office of Neighborhood Reinvestment assumes all obligations and all rights attributed to it or to the Task Force under the terms of this agreement. . ".. -. ", . ~ 'I I Executed this IN WITNESS WHEREOF, the parties hereto have caused executed as of the date first above written. ~yd;;; of r!' 197?: CITY this contract to be rectness: By count~gned: . ~h ~ Iq?:J ~ Mayor- ommissioner d24~ .. . ; Director, Office of Neighborhood Reinvestment Federal Home Loan Banks Date: The Federal Home Loan Bank of Atlanta agrees to cooperate with the Urban Reinvestment Task Force and the City of Clearwater in carrying out the development of the Neighborhood Housing Services Corpora don in the City of Clearwater as set forth above. Date: ~"'-1 .(' 3/ /'77 P ''', Urban Reinvestment Task Force ~tiUlAN ~ i ;Ill ~ , '$ . ~ B\.QAN~ .:t: " i '" ~ ~ ~$ * ~ ;-._...r o~ l i~~i \ :i * U * I \ 111.l "'or~AH "... C) CompUOller ollhe Curr8flcy AdmInistrator 01 Nahon.1 Banks Coastal States Building, 10th Floor P. O. Box 56503 Atlanta, Ga. 30343 February 22, 1978 Mr. Don Jass Community Development Planner City of Clearwater P. O. Box 4748 Clearwater, Florida 33518 Dear Don: Thank you for the time you spent scheduling appointments for me to meet with key city officials, financial institution executives and neighborhood leaders. Clearwater is an attractive city and I am impressed by the cooperation and professionalism exhibited by city officials. I have forwarded my assessment report to the Washington, D. C. office of the Urban Reinvestment Task Force and will contact you with our decision within a few days. Once again, thank you for your cooperation and assistance. derick D. Wacker . Field Representative FDW;bjd RECEIVED FEe 24 1978 HOUSING & REDEVELOPMENT DEPARTME;:'-.lT APPLICATION TO THE URBAN REINVESTMENT TASK FORCE FOR ASSISTANCE IN DEVELOPING A NEIGHBORHOOD HOUSING SERVICES PROGRAM Before completing this application, we urge you to read the attached Federal Register announcement, which describes the Neighborhood Housing Services Program and the role of the Urban Reinvestment Task Force. The Task Force is accepting applications on an ongoing basis; priority will be given to applicants clearly showing the most potential for a successful NHS program. Please forward the completed application and attachments to the Associate D1Tec~OT "tOT l1BS Deve1oplJllCnt, Urban lleinvestment 'Task "Foree, ~120 19th StTee~, N.W., Room 600, Washington, D. C. 20036. Organization Applying: City of Clearwater Contact Person(s): Joseph McFate, Community Development Coordinator Telephone Number(s): 813-442-6131 ext. 355 Address: P.O. Box 4748 Clearwater., Fl.ori.da Project Narrative: Please attach a narrative statement describing to what degree the fo~lowing elements exist: 1. Local government capacity and willingness ~o participate with a _. .. I -2- I sensitive and appropriate housing inspection program, and to provide capital improvements and increased service levels where needed. 2. Financial institutional support and leadership--current or potential. 3. Neighborhood support and leadership--current or potenti~l. 4. Foundation/industrial/civic/local governmental resources to support a growing Revolving Loan Fund. 5. Interest of Federal, state, and other agencies in assisting and/or cooperating. Please indicate the potential source of funding for the $30,000 to $50,000 cost of the developmental program. The City Commission pledged $30,000.00 of Community Development Block Grant Funds for developmental costs. Signed: ~lIX MANA~~K City of Clearwater Date: 12-29-77 Organization: Rev.3/77 I I NEIGHBORHOOD HOUSING SERVICES PROGRAM CLEARWATER, FLORIDA Project Narrative 1. The City of Clearwater has actively pursued a course leading to improved living conditions within all neighborhoods under its juris- diction. New development within our expanding municipal boundaries is regulated by both a comprehensive zoning ordinance and a Land Use Plan. Some of the older neighborhoods do not meet the new development standards established for subdivisions, nor are they entirely zoned in accordnace with their present or planned use. Areas with zoning conflict are being addressed through joint effort of the City Commission and Staff to bring them into conformity. We have adopted the Southern Minimum Housing Code as our guide in measuring the condition of existing residential structures. Code enforcement is administered by the City using the Building Department to perform inspections, and the Department of Community Development to assist with rehabilitation loans/grants and other supportive housing services. As an entitlement city under the Community Development Block Grant Program, we have budgeted in excess of 1.4 million dollars for improve~ ments in those neighborhoods identified as having the most critical need. Additionally, major capital improvements in storm drainage, sanitary sewer service, street paving and recreational facilities have been and are be:lng made in these same areas, with funds from other sources. The annual support of $846,000 from CDBG along with other BUD sponsored rental assistance/housing support has been insufficient to meet the goals and needs recognized in our Housing Assistance Plan. When the Neighborhood Housing Service Program was introduced to us by a member of Clearwater Federal Savings and Loan Association, we saw it as an opportunity to gain additional support from both the neighborhood and local financial insti- tutions. Betty Fernandez, the Executive Director of the "Hyde Park" N.H.S. in Tampa, conducted an orientation and tour for our Mayor, Gabriel Cazares, and after receiving his report and recommendations, the City Commission unanimously approved a pledge of $30,000 to defray the cost of the develop- mental program if we are successful in this application. 2. The City has many large financial institutions that we believe would be ~~lling to participate in providing the operating money for this N.R.S. activity, and that they wou1d in turn be encouraged to stimulate the revitalization of the selected neighborhood. Possible participants are: ~~ .t.--- " .. I I Project Narrative N.H.S. Program Page (2) Bank of Clearwater Barnett Bank of Clearwater Clearwater Beach Bank Clearwater Oaks Bank Community Banks of Florida Ellis National Bank of Clearwater Exchange Bank & Trust Company of Clearwater First National Bank of Clearwater Florida Bank of Commerce Landmark Bank of Clearwater Northeast Bank of Clearwater Clearwater Federal Savings & Loan Association First Federal Savings & Loan Association Florida Federal Savings & Loan Association Franklin Federal Savings & Loan Association Freedom Federal Savings & Loan Association Guaranty Federal Savings & Loan Association Home Federal Savings, & Loan Association 3. Many of the residential areas within the City have active local ne~ghborhood groups that represent their points of view in the public forum, and who sponsor desired changes and improvements. Other areas are represented by social action groups, such as Clearwater Neighbors, the National Association for the Advancement of Colored People, the local Organization of Industrialization Centers, and the Pinellas Opportunity Council. We believe that the local leadership will strongly support the N.H.S. activity within the target neighborhood selected. 4. The City recognizes the possibility of its being asked to assume responsibility for providing support for the high-risk revolving loan fund, and sees this as an extension of the existing rehabilitation loan/ grant program utilizing Community Development Block Grant Funds. 5. We have not yet investigated the interest of other Federal, state or other agencies in assisting and/or cooperating in this venture. " ~ ",/" ~ _~A I cl T Y 0 F C LEA R W ATE R Interdepertment Corre.pondence Sheet TO: FROM: CITY MANAGER, ANTHONY L. SHOEMAKER JOSEPH R. MCFATE II, DIRECTOR OF COMMUNITY DEVELOPMENT ~ COPIES: SUBJECT: HOUSING STATUS REPORT - UPDATE DATE: APRIL 7, 1978 Per your requeest the following information is submitted an an update to the Housing status Report of November 15, 1977: 1. Housing Redevelo~ent Program -A total of Twelve dwellings have been conestructed under this program - an increase of two since November. All units have been sold, and one new unit is started in the North Greenwood Area. 2. Rehabilitation Loan/Advance Program - A total of twenty-six (26) rehabilitation loans have been approved under this program, totaling $208,140. This is an increase thirteen (13) since November. Five new applications are in process, which should obligate approx1ma.tely $40,000 of the $95,360 currently unobligated in the loan/grant pool. The program has been revised to: Lower the interest rate from 6% to 3%; raise the loan limit from $8,000 to $10,000; raise the inc01lle eligibility limits; provide for an expanded "advance" program with the limit raised to $7500; establish a new $1000 Emergency Grant Program; and to change the acquisition/ rehabilitation program to offer 3\ loans up to $17,500 over a twenty-year period. A preliminary survey of the North Greenwood Area, indicates that it contains 237 owner-occupied units requiring some rehabilitation. This would require $1,896,000 in funding, and this would not address the 300 plus units of rental property needing rehabilitation in this same area. This program will require sub- stantial support for many years. 3. Section 8 Existing Housing - All 301 units allocated have now been funded by lIDO. One hundred sixty-nine (169) of these units have been utilized and the remaining one hundred thirty-two (132) are in an active status. There are 394 families or individuals on the current waiting list to participate in this program. - The problem is in securing- units that will rent within the fair market ceiling established by HUD. 4. Section 8 New COnstruction Program - Construction of the 41 unit elderly housing project planned for the intersection of Druid Road and Belcher, Road, will begin within 30 days. The 48 unit family project to be constructed in the Ross Norton Park area has cleared ~roval by the City commission and construction'should begin within 90 days. -, !.. ... ..,..,;... ...I! ~ I cI T YO F CLEARWATER Interdep.rtment Corre.pondence Sheet TO: CITY MANAGER, ANTHONY L. SHOEMAlCE~ FROM: JOSEPH R. MCFATE II, DIRECTOR OF COMMUNITY DEVELOPMENT COPIES: SUBJECT: HOUSmG STATUS :REPORT - UPDATE, PAGE (2) DATE: APRIL 7, 1978 5. Turnkey Housing Program - Final approval has been received from Clearwater Housing Authority, and we are currently working on a Developers Packet for these 61 dwelling units (31 elderly - one and two bedroom units; and 30 family - two and three bedroom units). JRM/dh