1. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development Maryland Housing Counseling Fund CY16 Application Training Secretary Kenneth C. Holt Maryland Department of Housing and Community Development Thursday, July 9, 2015

2. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development 2 CY16 APPLICATION TRAINING If you have a question, please type it into the text box or raise your hand and we will address the question to the group

3. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development 3 CY16 APPLICATION TRAINING 1. Introductions 2. Eligibility 3. Application Overview 4. Submission Process 5. Questions

4. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development WHO IS ELIGIBLE? Eligible Applicants 501(c)(3) nonprofit organizations Local government entities Total Award Amount: $4.5 M Maryland Housing Counseling Fund Only

5. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development ELIGIBLE ACTIVITIES New for CY16 - Homebuyer education, credit or financial counseling, accessing the Earned Income Tax Credit will be considered for funding Foreclosure prevention and loss mitigation counseling; as well as, preparing or representing homeowners in mediation will continue to be funded

6. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development APPLICATION SECTIONS Section I. – General Information Section II. – Proposal Information Section III. – Documents to be attached by applicant

7. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION I GENERAL INFORMATION

8. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION I: GENERAL INFORMATION Part 1. Applicant Information Organization’s Legal Name Mailing Address where you will receive communications and payments Contact person – primary contact for receiving communications about grant agreement, reporting, and payments Federal Tax ID Number Affiliated Organizations

9. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION I: GENERAL INFORMATION Part 2. Applicant Information Note if your organization is currently “HUD- certified”. You may also note if your organization and/or counselors are “HUD- approved” or “NeighborWorks certified”

10. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II PROPOSAL INFORMATION

11. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Part 1. Criteria for Determining Awards Proposed Areas of Service & Populations Served (10 Points) Experience and Expertise (25 Points) Proposed Programs (25 Points) Impact of Proposed Programs (25 Points) Partnership Strategies (15 Points)

12. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Proposed Areas of Service & Populations Served (15 points) a) List the Maryland jurisdictions you propose to serve. b) Describe the demographics of the client base you served last year through this program. If this is a new program, describe the demographics of the client base you anticipate serving through this program. c) Are you proposing to serve non-English speaking households? If so, describe your current capacity and experience for doing so. d) Are you proposing to serve special needs populations such as the elderly, veterans or persons with disabilities? If so, describe your current capacity and experience for doing so.

13. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Proposed Areas of Service & Populations Served (15 points) The following resources may be useful in researching emerging areas of need: CFPB Resources for Financial Educators websitewebsite “The Effectiveness of Pre-Purchase Homeownership Counseling and Financial Management Skills.” Report by the Federal Reserve Bank of Philadelphia and New York University Report “Snapshot of Older Consumers and Mortgage Debt.” Report by the Consumer Financial Protection BureauReport MarketWatch article describing the impact of student loan debt on older adults receiving government benefitsarticle Young Invincibles report on “Millennial Parents, Poverty and Rising Costs”report

14. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Experience and Expertise (25 Points) Describe your organization’s mission and experience, highlighting the accomplishments of major programs, including those that relate to homebuyer education, foreclosure prevention or other relevant consumer issues. For Legal Services Organizations – include the legal expertise of current or prospective staff and/or third-parties

15. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Proposed Program Capacity (25 Points) a.Describe all aspects of your program(s) that demonstrate your organization’s capacity to meet program goals b.Clearly and succinctly list program goals for CY16 c.How do these goals compare with projected outcomes for CY15? d.What are the key challenges to achieving these goals (besides full funding), and how will you address these challenges? e.What specific performance indicators/metrics will you track to evaluate progress toward your goals?

16. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Impact of Proposed Program(s) (25 Points) If you are requesting funding support for both a foreclosure prevention program and a homebuyer/financial education program, discuss program impacts for both programs If requesting funding for only one type of program, clearly describe the full impact of that individual program Clearly and succinctly describe program goals, annual outputs and outcomes that your program(s) will accomplish in CY16 Compare outcomes projected for CY15, with outcomes proposed for CY16

17. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Partnership & Collaboration (15 Points) Describe partnerships and collaborations that expand the reach and impact of services provided to prospective homeowners and existing homeowners or tenants Include existing and proposed partnerships and collaborations

18. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Part 2. Budget Information Clearly depict the sources and uses of funding for your program(s). Indicate sources and uses for fiscal years 15 and 16 Provide a narrative explanation for major budget line items, particularly those related to new or expanded services

19. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION II: PROPOSAL INFORMATION Part 2. Budget Information Revised budget template asks for sources and uses by fiscal year, rather than calendar year Template has been posted on the HOPE website or we can email it to you SOURCES & USES BUDGET SOURCESACTUAL FY15 PROJECTED TOTAL Jan – June 2016July – Dec 2016 Total, Sources $ $$ $ PERSONNEL USES / EXPENSES Sub-Total, Personnel $ $$ $ NON-PERSONNEL USES/EXPENSES Sub-Total, Non-Personnel $ $$ $ Total, Uses $ $$ $ Balance $ $$ $

20. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development SECTION III DOCUMENTS

21. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development REQUIRED DOCUMENTATION CHECKLIST Overview of Organization Mission, History and Accomplishments List of Current Board of Directors with Affiliations and Addresses Audits for the Last Two Years Operating Budget for Current and Prior Fiscal Year Proposed Program Budget for Next Fiscal Year For Legal Services Organizations Only – Resumes and Position Descriptions for Legal Team and Key Personnel

22. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development REQUIRED DOCUMENTATION CHECKLIST For Housing Counseling Agencies Only – Counselor Certifications IRS 501 (c)(3) Determination Letter

23. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development REQUIRED DOCUMENTATION CHECKLIST Certificate of Compliance with Maryland Solicitations Act Or a hard copy of query from the Maryland Charities Database: http://www.sos.state.md.us/Charity/SearchCharity.aspx showing that your organization is in compliance with the Maryland Solicitations Act; http://www.sos.state.md.us/Charity/SearchCharity.aspx Or copies of application to the Secretary of State and proof of payment

24. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development REQUIRED DOCUMENTATION CHECKLIST Certificate of Good Standing (aka Certificate of Status) with the State Department of Assessments and Taxation (SDAT): An explanation of what this certificate represents and how to obtain a copy is available on SDAT’s websitewebsite For purposes of the MCHF application and agreement, you may attach a hard copy of the website query indicating that your organization is in “good standing”

25. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development REQUIRED DOCUMENTATION CHECKLIST Example of website query: https://sdatcert1.resiusa.org/certificate_net/https://sdatcert1.resiusa.org/certificate_net/

26. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development REQUIRED DOCUMENTATION CHECKLIST The following documents will be submitted with your signed grant agreement: Assurance of Compliance Debarment Affidavit Corporate Resolution (executed within the last six months) Articles of Incorporation and By-laws

27. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development APPLICATION SUBMISSION PROCEDURES Submit one (1) original and one (1) copy of an unbound application and all required attachments by 2:00pm on Friday, July 31, 2015 to: Maryland Department of Housing and Community Development ATTN: Maryland Housing Counseling Fund 7800 Harkins Road Lanham, MD 20706 301-429-7525

28. Secretary Kenneth C. Holt Maryland Department of Housing and Community Development CY16 APPLICATION TRAINING Questions