1. 2008 DCA Housing and Redevelopment Workshop Marketing the CHIP Program and Developing Policies & Procedures

2. Page 2 2008 Housing and Redevelopment WorkshopMarketing CHIP 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.

3. Page 3 2008 Housing and Redevelopment WorkshopMarketing CHIP Marketing the CHIP Program 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!

4. Page 4 2008 Housing and Redevelopment WorkshopMarketing CHIP 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!

5. Page 5 2008 Housing and Redevelopment WorkshopMarketing CHIP Developing Policies & Procedures Who are eligible borrowers? ▪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? ▪Rehabilitation ▪Reconstruction-mobile home/stick built/modular ▪Down payment assistance Define application intake process. (including required documentation) Describe the finance plan for each activity type: ▪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?

6. Page 6 2008 Housing and Redevelopment WorkshopMarketing CHIP 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

7. Page 7 2008 Housing and Redevelopment WorkshopMarketing CHIP 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.

8. Page 8 2008 Housing and Redevelopment WorkshopMarketing CHIP 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?

9. Page 9 2008 Housing and Redevelopment WorkshopMarketing CHIP 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?

10. Page 10 2008 Housing and Redevelopment WorkshopMarketing CHIP 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.

11. Page 11 2008 Housing and Redevelopment WorkshopMarketing CHIP Appeals & Complaints If the homeowner is not satisfied, how will you handle appeals and complaints?

12. Page 12 2008 Housing and Redevelopment WorkshopMarketing CHIP 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.asphttp://www.development/Construction Codes/index.asp Lead Based Paint regulations can be accessed at: http://wwwhud.gov/offices/lead/leadsaferule/ LSHRFinal.21June04.rtf

13. Page 13 2008 Housing and Redevelopment WorkshopMarketing CHIP 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

14. Page 14 2008 Housing and Redevelopment WorkshopMarketing CHIP Contact Information Kay Garrison – (404) 679-0573 kgarriso@dca.state.ga.us

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