Sample Program 1: Housing Rehabilitation Programs
The Housing Rehabilitation Program provides loans, and rebates to income-qualified households to correct health and safety code violations and make essential repairs. The maximum loan limit is $50,000 with a minimum equity requirement of 10 percent. The Housing Rehabilitation Program is available to lower-income households (<80 percent area median income) and has the following components:
- 0% Interest Deferred Payment Loans for Basic Home Repairs: Principal-only loans secured by deeds of trust with no interest charged and no payments for at least five years. The minimum loan amount is $1,000 and after five years the borrower’s eligibility is re-evaluated to determine if a repayment plan should be established. A loan becomes due in full when there is a change in ownership (e.g. death, sale, etc.).
- Non-Repayable Lead-Based Paint Remediation Grants: Grants offered to pay the costs of lead-based paint identification and removal. The amount cannot exceed the costs of the approved non-lead related housing rehabilitation work. The grant does not require repayment by the recipient.
In addition, the city will explore the potential to implement a loan program for accessory dwelling units. This program will allow eligible homeowners to obtain a loan from the city to construct a small second-unit on their property, under the city’s existing accessory dwelling unit provisions.
Objectives: Provide 20 rehabilitation loans or grants annually. Explore potential for accessory dwelling loan program by the end of FY 2018-2019. Evaluate program through the Housing Element Annual Report process.
Responsible Agency: Community Development Department
Funding Source(s): Community Development Block Grant and HOME funds
Sample Program 2: Single-Family Housing Acquisition and Rehabilitation
This program utilizes HOME funds to enable lower-income households (up to 80 percent of area median income) to purchase their first homes. The city will select a nonprofit by January 2018 to acquire and rehabilitate deteriorated single-family homes. Assistance will be provided in the form of a loan secured by a deed of trust. The rehabilitated homes will then be sold to income-qualified first-time homebuyers. A potential source of housing for this program will be CalTrans excess right-of-way programs. The city housing department will initiate discussions with CalTrans on how to access and purchase excess units.
Objectives: 100 units over the planning period. Acquire and rehabilitate five, single-family homes within the five-year period through CalTrans. Continue to evaluate potential program options and the suitability of this program in a higher cost market like the city is currently experiencing. Provide ongoing assistance and evaluate program through the Housing Element Annual Report process.
Responsible Agency: Community Development Department
Timeline: Ongoing loans and initiate discussion with CalTrans by December 2018
Funding Source(s): HOME
Sample Program 3: Multifamily Housing Acquisition and Rehabilitation
The Comprehensive Neighborhood Revitalization Strategy includes acquisition and rehabilitation of deteriorated multifamily housing developments, with the goal of generating privately initiated improvements in some of the other complexes in the neighborhood. Under this program, the city will develop a list of nonprofit developers and send them a meeting invitation to discuss the city’s objectives and resources. The city will then select a nonprofit developer to purchase a deteriorated multifamily, rental property. The property will then be rehabilitated, with the options to combine some of the smaller units into larger family units. Relocation assistance will be provided to existing tenants who have to be temporarily or permanently relocated.
Objectives: Support the rehabilitation and revitalization of at least two properties or 100 units in the planning period. Provide ongoing assistance and evaluate program through the Housing Element Annual Report process.
Responsible Agency: Community Development Department
Timeline: Develop list of nonprofit developers by December 2018 and select a developer by June 2019.
Funding Source(s): Local Funds
Sample Program 4: Code Enforcement Program
Develop and maintain a multidisciplinary code enforcement program to ensure building safety of residential neighborhoods through enforcement of building codes on a compliance and building-permit issuance basis. Establish a coordination task force including housing, building, housing finance agency, planning, utilities, police, fire, waste management, and other public safety agencies to do cross-referrals and joint neighborhood projects. Create a brochure to provide information about rehabilitation loans and housing assistance programs for use by property owners who are cited and tenants in need.
Objective: Promote maintenance of existing housing stock and protection of existing tenants and lower-income households
Responsible Agency: Building and Housing departments
Timeline: Establish task force by June 2019. Create brochure by December 2019 and provide information as part of ongoing code enforcement activities
Funding Source(s): Community Development Block Grants
Sample Program 5: Mobilehome Park Preservation Program
The city will continue to implement the Residential Mobilehome Park zoning ordinance that sets conditions on changes of use or conversions of mobilehome parks. The city will also assist lower-income residents to research the financial feasibility of purchasing their mobilehome parks to maintain the rents at affordable levels. Where appropriate, assist the park residents or nonprofit to purchase the park to maintain affordability.
Objective: Continue to regulate the conversion of mobilehome parks.
Responsible Agency: Planning Division
Timeline: Inventory mobilehome parks and provide information to mobilehome park residents regarding potential resident purchase of parks and assistance available by June 2009. Evaluate and determine feasibility of assisting park residents in purchasing a mobilehome park by December 2019. Apply for Mobilehome Park Resident Ownership Program funds by June 2020.
Funding Source(s): Housing Trust Fund, Mobilehome Park Resident Ownership Program