Transcript CHIP Marketing and Developing Policies and Procedures

Marketing the CHIP Program and
Developing Policies & Procedures
2008 DCA Housing and Redevelopment Workshop
Why market the CHIP Program?
• HOME rules require you to affirmatively
market to people who are least likely to
know, hear or read about the CHIP Program.
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Marketing CHIP
Marketing the CHIP Program
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Open house
Radio announcements
Newspaper/cable TV
Program kickoff announcements
Contractors, Real Estate Agents
Banks
Bill stuffers
DFACS, Church bulletins
Signs in front of houses under going rehabilitation
Community newsletters
Word of mouth!
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Developing Local Policies and
Procedures
• Outlines the basic eligibility and program
implementation requirements.
• Assists local government during disputes
related to participant or contractor eligibility.
• After approval of a CHIP award, the CHIP
administrator and the local government
officials will develop a set of written policies
to govern the program.
• Serves as your program guide!
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Developing Policies & Procedures
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Who are eligible borrowers?
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HOME regulations require that the borrower’s household income is 80% or less of
area median income (AMI).
Must be primary residence
Fee simple title
Eligible activities – what activities will you undertake?
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Rehabilitation
Reconstruction-mobile home/stick built/modular
Down payment assistance
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Define application intake process. (including required documentation)
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Describe the finance plan for each activity type:
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maximum CHIP amount
income restrictions (can be sliding scale)
loan terms & conditions for the leveraged loan funds
What are the minimum amount of leveraged funds required?
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Property Standards
• HOME (CHIP) funded properties must meet
minimum property standards. State and
local codes and ordinances apply to ANY
(HOME) CHIP funded projects.
• Different activities have different code
requirements. (See handout!)
▪ Rehabilitation
▪ Reconstruction/New Construction
▪ Down Payment Assistance
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Property Standards
• If no state or local building codes, the State
Recipient must use national model codes.
• Entire unit MUST meet applicable property
standards, codes (including state codes),
rehabilitation standards, ordinances and
zoning ordinances upon job completion.
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CHIP Loan Closing
• Types of loan closing documents required
▪ Deed to Secure Debt
▪ Promissory Note
▪ Loan Agreements
• When & where will the loan closing take
place?
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Inspections and GPI
• What are your policies regarding General
Property Improvements (GPI)?
• GPI can not be paid with CHIP funds
• GPI can not exceed forty (40) percent of
other funds.
• Inspections:
▪ Who will inspect for each activity type?
▪ How often will inspections take place?
▪ Who is the official code inspector?
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Working with Contractors
• Who will develop work write ups?
• Will you use a bidding procedure or
negotiated bids?
• What are the requirements for contractors?
• Progress payments - when and how often?
• Inspections – when and how often?
• How are Change Orders handled?
• Is homeowner satisfied? If yes, final
inspection and final payment.
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Appeals & Complaints
• If the homeowner is not satisfied, how will
you handle appeals and complaints?
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Web site Access
• Please access DCA’s web address for a
copy of the State Minimum property Codes
at:
• http://www.development/Construction
Codes/index.asp
• Lead Based Paint regulations can be
accessed at:
• http://wwwhud.gov/offices/lead/leadsaferule/
LSHRFinal.21June04.rtf
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Manufactured Housing Website
• For additional guidance on manufactured
housing under the HOME program, please
access HUD’s website address at:
• http://www.hud.gov/offices/cpd/affordableho
using/programs/home/topical/admin.cfm#no
tices
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Contact Information
Kay Garrison – (404) 679-0573
[email protected]
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Marketing CHIP