HomeMy WebLinkAboutCity of Tamarac Resolution R-2009-093Temporary Resolution #11638
June 24, 2009
' Page 1 of 3
CITY OF TAMARAC, FLORIDA
(1 ,-.
RESOLUTION NO. R-2009- 1- i
A RESOLUTION OF THE CITY COMMISSION OF THE
CITY OF TAMARAC, FLORIDA, AUTHORIZING THE
APPROPRIATE CITY OFFICIALS TO SUBMIT A
COMPETITIVE GRANT APPLICATION FOR THE
NEIGHBORHOOD STABILIZATION PROGRAM 2
("NSP2") FUNDS UNDER THE AMERICAN RECOVERY
AND REINVESTMENT ACT, 2009; PROVIDING FOR
CONFLICTS; PROVIDING FOR SEVERABILITY; AND
PROVIDING FOR AN EFFECTIVE DATE.
WHEREAS, on May 4, 2009, the United States Department of Housing and Urban
Development ("HUD") issued a Notice of Fund Availability ("NOFA") for the Neighborhood
' Stabilization Program 2 ("NSP2") under the American Recovery and Reinvestment Act,
2009; and
WHEREAS, the City administration has reviewed the NOFA, and determined that
the City of Tamarac should submit an application to be considered for the award of a
Competitive Grant from the NSP2 Program; and
WHEREAS, the funds to be awarded by HUD can be used by the City for the
purpose of acquiring, rehabilitating, and selling foreclosed homes to qualified individuals;
and
WHEREAS, the Community Development Director recommends the submittal of
the Competitive Grant Application to HUD for the NSP2 funds; and
' WHEREAS, the City Commission of the City of Tamarac, Florida deems it to be in
the best interest of the citizens and residents of the City of Tamarac to approve this
Temporary Resolution #11638
June 24, 2009
Page 2 of 3
Resolution authorizing the submittal of the Competitive Grant Application for the NSP2
Funds.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE
CITY OF TAMARAC, FLORIDA:
SECTION 1: The foregoing "WHEREAS" clauses are hereby ratified and
confirmed as being true and correct and are hereby made a specific part of this Resolution.
SECTION 2: That the City Commission hereby authorizes the appropriate
City officials to submit the Competitive Grant Application to the United States Department
of Housing and Urban Development for funds that are available through the Neighborhood
Stabilization Program 2, under the American Recovery and Reinvestment Act, 2009, and
take all other necessary and appropriate action consistent with this Resolution.
SECTION 3: All resolutions or parts of resolutions in conflict herewith are
hereby repealed to the extent of such conflict.
SECTION 4: If any clause, section, other part orapplication of this Resolution
is held by any court of competent jurisdiction to be unconstitutional or invalid, in part or
application, it shall not affect the validity of the remaining portions or applications of this
Resolution.
SECTION 5: This Resolution shall become effective immediately upon its
passage and adoption.
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Temporary Resolution #11638
June 24, 2009
Page 3 of 3
PASSED AND ADOPTED BY THE CITY COMMISSION OF THE CITY OF TAMARAC,
FLORIDA THIS DAY OF:. , 2009.
ATTEST:
I HEREBY CERTIFY that
I have approved this
RESOLUTION as to form.
)*//, /v , i �aJ
SAMUL S/GbREN
CITY ATTORNEY
t i i _XK•1 it �Z�1 mod•] lTd L l b�� I•] l ��L•Y �
MAYOR FLANSBAUM-TALABISCO_�
DIST 1: COMM BUSHNELL
DIST 2: VM ATKINS-GRAD
DIST 3: COMM. GLASSER
DIST 4: COMM. DRESSLER [�a
CITY OF TAMARAC
Neighborhood Stabilization Program 2 under
the American Recovery and Reinvestment Act, 2009
through the
U.S. Department of Housing and Urban Development
(HUD)
Prepared by:
City of Tamarac
Community Development Department
Housing Division
7525 NW 88 h Avenue
Tamarac, FL 33321
www.tamarac.org
July 2009
Neighborhood Stabilization Program 2 Application
CITY OF TAMARAC, FLORIDA
Website: www.tamarac.orq
City Manager:
Jeffrey L. Miller
7525 NW 88 Avenue
Tamarac, FL 33321
(954) 597-3510
Data Universal Numbering System (DUNS) # 077270940
Central Contractor Registration (CCR) Registered
Federal ID# 59-1039552
NSP2 Target Geography Need Factor Application ID # 260918969
NSP2 Application Contact Information
Prepared by:
Angela Bauldree
Housing Administrator
7525 NW 88 Avenue
Tamarac, FL 33321
(954) 597-3539
angelab(a)tamarac.orr-
Supervised by:
Jennifer K. Bramley
Director of Community Development
7525 NW 88 Avenue
Tamarac, FL 33321
(954)597-3542
�enniferbatamarac.org
Neighborhood Stabilization Program 2 (NSP2) Application Request:
$10,000,000.00
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TABLE OF CONTENTS
Program Summary / Application Overview
Factor 1 — Need and Market Conditions
Factor 2 — Demonstrated Capacity
Factor 3 — Soundness of Approach
Factor 4 — Leveraging, Integration, Removal of Negative Effects
Factor 5 — Energy Efficiency
Factor 6 — Neighborhood Transformation and Economic Opportunity
References to Threshold Requirements
Threshold B.1- Eligible Applicant
Threshold B.2- Amount
Threshold B.3- Eligible Use of Funds
Threshold B.4- Income Targeting / Benefit (National Objective)
Threshold B.5- Citizen Participation
Threshold B.6- Definitions
Threshold B.7- Demonstrated Organizational Capacity
Threshold B.8- Geographic Need
Appendices:
Appendix A — Code of Conduct
Appendix B — Signed Certifications
Appendix C — Calculation of Removal of Negative Effects/Rubric
Appendix D — Summary of Citizen Comments
Appendix E — Definitions
Exhibits:
Exhibit 1 — Sun -Sentinel News Article
Exhibit 2 — Channel 10 News Article
Exhibit 3 — City of Tamarac Special Conditions Document
Exhibit 4 — U.S. Department of Housing and Urban Development
Special Conditions Approval Letter
Exhibit 5 — Public Notice
Exhibit 6 — Proof of NSP2 Application Website Posting
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Page #
4
6
12
20
30
31
33
SF424
2
21
23
Appendix D
Appendix E
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CITY INTRODUCTION AND APPLICATION OVERVIEW (PROGRAM SUMMARY)
The City of Tamarac is centrally located in the Tri-County areas of Palm Beach, Broward
and Miami -Dade. The City occupies twelve square miles and is easily accessible from the
Sawgrass Expressway and the Florida Turnpike.
Tamarac operates under a city commission/city manager form of government. Residents
elect their Mayor -at -large and each of four City Commissioners from single -member
electoral districts. Tamarac's customer -first orientation is an ingredient to the City's recent
economic and community development successes. The City promises businesses and
residents a professional "customer service that is second to none."
As recipients of federal and state funds; CDBG, HOME and SHIP, the City and its Housing
staff has comprehensive experience in the successful administration of grant funds, activity
implementation, reporting, and community enhancement. Improving the community, while
assisting new and in -coming residents with their housing needs, is a primary goal for the
City.
The City of Tamarac has experienced significant growth since its incorporation in 1963.
The population has increased more than ten -fold from 5,078 in 1970 to over 60,000 in
2009. A corresponding change in the demographics of the community has also been
seen. As the population grows younger, different types of services, public facilities,
commercial enterprises, employment opportunities, and educational institutions are
needed. Broward County has responded to this growth by building a new elementary and
middle school, and a new library in Tamarac. During the 2008/2009 school year more than
50% of the children enrolled in Tamarac schools were on the Free or Reduced Lunch
Program. Accompanying this rapid growth has been a transition to an active business
community. Tamarac today offers an array of employment opportunities and maintains the
lowest crime rate of any City its size in Broward County. More and more young families
are moving to Tamarac to take advantage of the high quality of life offered in the City.
South Florida's housing boom between 2005 and 2007 sent home values sky rocketing,
thus inflating the market. As a result a boost in property taxes also occurred. Shortly
thereafter, the market began dropping quickly and the homebuyers of 2005-2007 started
losing value. The economy was in trouble, job loss increased and homeowners started
falling behind in their mortgage payments, insurance premiums, and homeowner's
association fees. Foreclosures were on the rise and the foreclosure crisis hit. Each month
more homes were being foreclosed upon and abandoned. Lending institutions began
feeling the effects and implemented tightened lending guidelines making it difficult for new
homebuyers to obtain loans. Thus, the recently abandoned foreclosures could not be
purchased and began to contribute to neighborhood decline. How to address foreclosed
properties became the question all jurisdictions began to ask.
In October 2008, the City of Tamarac received notification of the Housing and Economic
Recovery Act of 2008 through which $4,772,218 in Neighborhood Stabilization Program
funds were allocated to Tamarac. The City of Tamarac has 1,800 - 2,100 properties in
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some state of foreclosure for any given month, consisting of 300-600 bank owned
properties. Tamarac's informal partnerships with the lending and real estate community
have helped to make the Neighborhood Stabilization Program 1 activities effective,
efficient and successful. Through Realtor Workshops, Homebuyer Workshops, Lender
involvement and community outreach; the City has been extremely successful in the
implementation of NSP program activities. As noted in Factor 2 (a) below, the City's
success with NSP1 verifies the ability to expedite the incorporation of NSP2 funds into the
community to fulfill the neighborhood stabilization so greatly needed.
The City would propose to use NSP2 funds to expand its existing program which provides
Down Payment Assistance and Home Rehabilitation on foreclosed upon residential
properties. This deferred loan program allows eligible homebuyers to select the home of
their choice. In a declining market this proves to be more cost effective than the City
acquiring the properties, performing rehabilitation and re -selling the home. The time frame
is less extensive as well. The Purchase and the Rehabilitation occur within a short time
frame and the homeowner may occupy the residence immediately after purchase. Home
rehabilitation efforts are coordinated while the new homeowner occupies the property, with
small exceptions for major home rehabilitation.
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PER NSP2 FEDERAL NOTICE, THRESHOLD REQUIREMENTS B.1 THROUGH B.6 HAS
BEEN ADDRESSED IN THIS NSP2 APPLICATION AND IS IDENTIFIED BY RED TEXT.
Factor 1: Need / Extent of the Problem (40 points)
a. Target geography (10 points)
The City of Tamarac is composed of twelve (12) census tracts. All twelve tracts
received a score exceeding the HUD indicated target score of 18 out of 20.
Based on HUD's mapping tool, the entire City qualifies as the geographic
need area. Tamarac's overall average Maximum Score is 19.75 for the
combined 12 census tracts. Each census tract has an average of 18 or greater
based on the combination of the "foreclosure" risk score and the "vacancy" risk
score as provided by HUD's Foreclosure Needs map.
TRACT SELECTION
Target Geography Name
Census Tract
0601.11
0204.09
0204.10
0204 11
0601.12
0204.06
0601.05
0601.09
0503.05
0601.06
0601.07
0502,02
>Qualified
Foreclosure Score
20
20
20
20
20
20
20
18
20
20
19
20
Tamarac, FL E
Vacancy Score
17
19
19
16
19
19
17
18
19
19
18
16
Average Max Score
Max Score
20
20
20
20
20
20
20
18
20
20
19
20
Above is a copy of the tract selection and scoring for the twelve census tracts within
the City of Tamarac verifying that the census tracts identified are "qualified" as
target geographies.
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With this, the entire City qualifies as target geography and all activities proposed by
this application will be provided throughout each census tract.
The City of Tamarac has over 33,000 total housing units per U.S Census Bureau
with at least 10% vacant according to the latest 2005-2007 American Community
Survey 3-Year estimates. Since then, the housing market has dropped drastically
and steadily nationwide.
Per RealtyTrac.com, foreclosures in the State of Florida are up 18% from May 2008
to May 2009.
Tamarac's property value decrease has been in the top percentile within the County
for the past 2 years. From FY 2007/2008 to FY 2008/2009, Tamarac's property
values dropped 11 %.
The drop from FY 2008/2009 to FY 2009/2010 was 16.5% or $5,397,549.00 net
taxable value, the 2"d highest decline in the County.
These decreases along with the increased number of foreclosures and abandoned
properties have placed a huge burden on the City and its residents. As revenues
decline, so do services the City can offer. The City implemented a hiring freeze,
laid -off employees and has cut back services for two years in a row.
Tamarac has 1,800 - 2,100 properties in some state of foreclosure for any given
month, of which 300-600 are bank owned properties. As of June 2009,
RealtyTrac.com reported 580 Real Estate Owned (REO) properties within the City
of Tamarac.
In response to the high number of foreclosed and abandoned properties, the City
created an Abandoned Property Ordinance. This ordinance requires the lending
institutions who own such properties to register their properties with Code
Enforcement and provide their property management contact information.
Maintenance of foreclosed and abandoned properties has become an increasing
expense to the City.
In October 2008, when NSP was implemented, HUD's Local Foreclosure Rate for
Tamarac was 9.9%, the Local Abandonment Risk was "High", while the Statewide
Foreclosure Rate was 8.0% and the Local Abandonment Risk was Medium.
Additionally, per Zillow.com and RealtyTrac.com the decline in median home values
in Tamarac is almost 2.5 times the national average.
Median Home Value
Tamarac
National
October 2008
$164, 000.00
$214,198.00
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June 2009
$109, 000.00
$183,861.00
% Decline
33%
14%
Per the United States Department of Labor, Bureau of Labor Statistics, the National
unemployment rate for May 2009 was 8.9 while Florida's was higher at 10.2.
Unemployment can be associated as a contributing factor to a loss of home through
foreclosure situation.
The economy has also plagued our commercial residents over the past few years.
With high numbers of foreclosures, residential consumption in the retail market has
declined. With this, the number of new businesses has steadily declined; the
number of occupational licenses and retail receipts has also declined. More and
more bays and strip malls are becoming vacant causing additional hardships on the
City's financial status. The decrease in businesses/retail/medical/etc. forces
residents to address their needs elsewhere while the City is trying to encourage its
residents to "Live, Work, Play and Shop" within the City.
The number of businesses and occupational licenses has steadily declined over the
past 3 years, with the indication that the greatest impact occurring this FY 2008-
2009.
2006-2007
2007-2008
2008-2009
(as of 6/2101
Businesses
Licenses
Retail
Licenses
Retail
Receipts
1,858
2,467
280
$ 111,635.07
1,714
2,264
274
$ 112,943.85
1,529
2,059
239
$ 109,175.08
Bringing new residents into Tamarac will make a huge impact of the economic state
of the City. NSP2 funds will allow Tamarac to provide funds to eligible homebuyers
toward the purchase of a foreclosed or abandoned property, increasing property
values which generate revenue to the City via property taxes.
New residents will also contribute to local businesses through additional revenues
which lead to increased job potential.
b. Market Conditions and Demand Factors (30 points)
1. As stated in section (a.) above, RealtyTrac.com reports that Tamarac currently
has 1,800 - 2,100 properties in some stage of foreclosure. Five hundred and
eighty (580) are already bank owned, with the balance of 1,500 properties rolling
into a bank owned, abandoned situation over the next year or two. Thus the
activities approved under NSP1, and those proposed by this NSP2 application;
the Down Payment Assistance and Rehabilitation program, will begin to reduce
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the numbers of abandoned and foreclosed properties within the City resulting in
the stabilization of the communities and the economic conditions in the City and
its residents.
Adjustable rate mortgages (ARM) are also re -setting causing additional burdens
on the market. Homeowners with adjustable rate mortgages that are in need of
refinancing are finding themselves in depreciated value situations which make
refinancing difficult. ARM holders in South Florida and around the country are in
a substantial up -side -down situation. Many homeowners struggling for loan
modifications are also failing to meet the new lender requirements causing
additional foreclosures.
According to the 2009 President of the Realtor Association of Greater Fort
Lauderdale, Tamarac's market rate absorption on foreclosed homes as of June
2009 is as follows:
Single Family Homes
Condos, Villa, and Townhomes
Total Combined
23.41 weeks absorption rate
16.14 weeks absorption rate
18.62 weeks absorption rate
2. Tamarac has not experienced a high degree of new development over the past
few years. Two new developments were scheduled to start construction in
2008/2009; however, due to the drastic decline in value and conflicts with
County Affordable Housing requirements, the developer has not been able to
afford the project to date.
Over -valuation of housing is a critical factor in Tamarac's foreclosure and
abandoned property situation. Because the City's housing stock was among the
most affordable in the County between 2005-2007 even though home values sky
rocketed many homebuyers took advantage of the flexible lending guidelines,
and sub -prime loans (adjustable rate mortgage and interest only loans) being
issued at that period of time. Homeowners now find themselves up -side -down in
their homes, paying more than they can afford, and losing their homes as a
result.
In Tamarac's NSP application in December 2008, certain areas within the City
did not show high percentages of foreclosures or vacancies, these areas were
not listed as areas of greatest need at the time for this reason. Currently with
the new updated information provided by HUD, those areas formally excluded
now show an increase in foreclosures and vacancies and will be included in our
areas of greatest need for NSP2 funds. Therefore, the entire City is now an
eligible NSP2 area per the chart provided in Factor 1 (a).
3. The incomes for households in Tamarac are far below the median income for
the County as a whole. According to U.S. Census 2005-2007 American
Community Survey Tamarac's median household income was at $39,492.00
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while the County's median household income was $51,221.00. This shows that
Tamarac's household incomes are at approximately 77% of the County's median
household income.
Households with income below the median income at 50% and 80% of the area
median income are finding that the gap between their income and the cost of a
home has become larger resulting in an increase in financial assistance needed
to bridge that gap. Tamarac subsidizes its assistance amount to eligible
homebuyers according to that gap. Households between 81% AMI and 120%
AMI, eligible for assistance under the NSP programs, will also benefit from the
subsidy which allows them to reduce first mortgage payments as well as those in
the 50% and 80% AMI categories.
4. Increased foreclosed properties have contributed to declining property values,
thus Tamarac has had to deal with a decline in revenues generated by property
taxes. This has placed a burden on the City as well as its residents with the
consequences being reduced City services. Another casualty has been the local
Homeowners Associations. The foreclosures and abandoned properties in their
communities has forced many of them to increase fees and attach assessments
to compensate for the reduced number of household contributing to their
operating budgets.
5. When determining the most effective NSP2 activities, the City considered the
factors contributing to the problem. Although the economy is the main cause,
and considering the five available activities offered by NSP2, the City chose to
focus on increasing occupancy. Instability within Tamarac stems from
decreasing property values, which equals decreased property tax revenues,
which equals less services being provided to residents. This has resulted in
strains in a variety of areas such as public transportation, social services, and a
host of other City funded programs, activities and projects, all causing additional
burdens on the residents who are already feeling an economic pinch from the
declining market.
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Cause
E
perty Values
enues to City
rty Taxes
Effect
Reduction
in Transportation
Services
Reduction
in Social
Services
Reduction
if
Programs/Projects
Reduction
Staff
Given the high number of foreclosures Tamarac's implementation of the Down
Payment Assistance/Subsidy Program has had the most immediate positive
effect on the City. This will also stabilize the identified target geography. Placing
families into homes provides multiple benefits such as:
• Generating revenue from property taxes.
• Improving neighborhood decline from abandonment.
• Reducing the demand on code enforcement for maintenance of
vacant properties.
• Providing stability to the individual communities the homebuyers
move into.
• Occupied properties are less like to experience vandalism or
generate criminal activity.
• Providing revenues for the Homeowners Associations.
• Improving the local economy by having these new homebuyers
"live, work, play and shop" in Tamarac.
Factor 2: Demonstrating Capacity of the Applicant and Relevant
Organizational Staff (40 points)
a. Past Experience of the Applicant (30 points)
The City of Tamarac's Housing programs are administered within the Community
Development Department, Housing Division. Within Community Development, there
are four Divisions; Housing, Planning and Zoning, Code Enforcement and Business
Revenue. These four Divisions' all play a vital role in the ensuring a vibrant
community for the residents and business owners within Tamarac. They also
intertwine with each other and the programs established to ensure maximum
efficiency and success.
The Housing Division has undergone a tremendous transformation over the past
few years. Prior to 2006, the Division had only one steady coordinator position and
a revolving door on the administrator position. CDBG and SHIP funds had not been
encumbered and over 75 applications were in a waiting list status due to the fact
there were no experienced staff to process them. Since that period, the two current
staff members (Housing Coordinator and Housing Administrator) have occupied
those positions, cleared out the waiting list and brought the City up to date on
timeliness of expenditures. The City has met its timeliness deadlines for
expenditure of funds over the past 24 months.
As of 2006, the budget for the Housing Division was approximately $1 million
administering two programs; Community Development Block Grant (CDBG) and
State Housing Partnership Initiative (SHIP). Shortly after that, the City decided to
take back in-house the administration of the Home Investment Partnership (HOME)
program which had been out -sourced to the County and provides home
rehabilitation to Tamarac residents. The City is a member of the Broward County
HOME Consortium and meets regularly with the County and Consortium members
to discuss the implementation, execution, reporting and monitoring of HOME funds.
The Housing Administrator has been a member of Broward County's HOME
Request for Proposals (RFP) Evaluation Committee to review and score
applications for new construction projects throughout the County for the past two
years.
The activities administered under the three grant funded programs mentioned
above are:
• Home Rehabilitation
• Purchase Assistance
• Disaster Mitigation
• Code Enforcement
• Capital Improvement Projects
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The Housing Division conducts its own program marketing preparing its own
program advertisements, articles, notices of available funding, public hearings, and
workshops associated with various programs. Since 2006 all programs have been
advertised and public hearings held per state and federal grant requirements.
Each year during the preparation of State Housing Plans or Federal Action Plans,
the Housing Division meets with the local Planning Board to invite comments or
ideas for the implementation of activities. In 2008 an Affordable Housing Advisory
Committee was created. The Housing Division also coordinates with this Committee
on recommended activities, projects or even new resolution and ordinances that
may contribute to Affordable Housing. All of these efforts contribute to a more
regional planning process allowing Tamarac and other municipalities to reach the
maximum need of the residents of Tamarac and Broward County.
Additionally, since 2007 the City has received three additional sources of funding.
In 2007 Tamarac received $723,804 in Disaster Recovery Funds provided by the
Department of Community Affairs to assist communities with the devastation
caused by the 2005 Hurricane Season. The activities funded by this program are
Single -Family and Multi -Family Rehabilitation, and Relocation Assistance. Shortly
thereafter, Tamarac received supplemental Disaster Recovery funds in the amount
of $593,339 and implemented a Disaster Mitigation activity thus bringing the
Housing budget up to approximately $2.3 million.
Both members of the Housing Staff are members of the Broward County
Community Development and Housing Task Force. The Task Force promotes
Homeownership and Housing Opportunities throughout the County. The Task Force
consists of various local governments, lenders, real estate professionals, HUD,
State agencies, non -profits, housing counseling agencies, and other professional
involved in the Housing industry. Homeownership Fairs and Foreclosure Forums
are hosted by the Task Force on a regular basis.
Tamarac is extremely committed to ensuring the most effective use of funds is
achieved will addressing the housing needs its residents. Tamarac has extensive
experience in City and regional planning, acquisition / rehabilitation of
residential properties, program marketing and waiting list management, as
well and utilizing any investment capital available that may contribute to an
inclusive community.
NSP1 Actions, Successes and Notoriety
In October 2008 Tamarac was notified of the Neighborhood Stabilization Program
(NSP). Tamarac's allocation was $4.7 million. The City Manager and Commission
considered all eligible activities and decided the Down Payment Assistance
(DPA)/Subsidy Program was the best and most efficient way to utilize the funds. In
addition to the DPA activity, a home rehabilitation activity was also approved. A
small amount of funds was allocated to Demolition.
The City moved fast. Immediately the City Manager and City Commission approved
two additional staff positions. Temporary Grant Coordinators were hired
immediately to begin income certification of applications.
Open enrollment took place from January — February 2009. Over 500 applications
were released and over 150 were accepted within the two month time frame.
Staff coordinated a Real Estate Workshop to educate local real estate professionals
on the program and encouraged them to share the information with their clients.
Shorty after closing the Open Enrollment, staff prepared a Homebuyers Workshop
for the applicants, again to educate them on the NSP program and its requirements.
Staff invited the President of the Realtor Association of Greater Fort Lauderdale and
the President of Housing Foundation of America, Tamarac's Consultant Housing
Counseling Agency.
Additionally, the City continually works with HUD with regard to improving the
relationships and education of lenders on the NSP program. Many of the obstacles
local jurisdictions were facing was a lack of knowledge of the NSP program and
requirements. The discounts were the biggest obstacles, however, despite this, the
City closed its first two loans with a 15% and 14% discount due to extensive
communication and education with lenders. Staff has created an "NSP Briefing"
document which is sent to participating lenders to assist them understanding the
program. Since that time, HUD has revised the discount requirements and contracts
are being accepted more frequently.
With the addition of NSP, the Housing Division budget exceeds $6 million dollars.
As a point of reference, during round 1 NSP application process, the City of
Tamarac was contacted by the U.S. Federal Bureau of Investigation. The Field
Office was conducting research on the local NSP1 programs and collecting
information on ways entitlement agencies were incorporating fraud prevention
processes. The agency came to Tamarac first having been advised that Tamarac's
NSP program was well written and designed, and was a leading agency in the
implementation of the NSP program. Two agents visited Tamarac and met with the
City Attorney and Housing Administrator to discuss NSP. They affirmed that
Tamarac had all the necessary checks and balances in place to ensure program
viability. Contact information on the agents visit is available upon request.
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Subsequent to the visit conducted by the FBI's local field office, Tamarac has been
invited to speak at many Housing and NSP related events as the benchmark for
other agencies and programs.
Since approval of NSP1, Tamarac's success has been so visible that the Housing
Administrator was asked to be a guest speaker during Bank of America's Housing
Summit. The attendees were primarily lending and real estate professionals. The
invitation was largely due to relayed information that Tamarac's NSP program was
well designed and planned, and already ahead of all other jurisdictions in its
implementation of the NSP activities.
Tamarac's Housing programs have been in the media several times over the past
year. Tamarac had the first closing in South Florida on the purchase of a foreclosed
property with its Down Payment/Subsidy Assistance activity with news coverage in
both the printed and visual media venues. Tamarac's NSP applicants were
interviewed by the Sun -Sentinel and local Channel 10 news station. Articles
attached hereto as Exhibit "1" & Exhibit "2".
With this NSP1 recognition, the Broward League of Cities appointed Tamarac's
Housing Administrator to serve on the 2009-2010 Neighborhood Stabilization &
Housing Sub - Committee.
Tamarac's NSP1 popularity and successes are indicative of our overwhelming
ability to carry out further NSP2 activities. Staff is well prepared, well informed, and
has achieved so much in a small amount of time since the inception of the
Neighborhood Stabilization Program.
After the approval of the NSP1 Substantial Amendment, HUD asked the City to
prepare "Special Conditions statement" demonstrating the adequacy of staff and
other resources to administer the NSP Grant. The City prepared and submitted its
"Special Conditions Statement" and was approved by HUD. The "Special
Conditions" document and HUD approval is attached hereto as Exhibit "Y & Exhibit
"4„
Should Tamarac receive approval for $10 million dollars in NSP2 funds, additional
staff may be approved.
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From 2006 to 2009, the Housing Division consisted of two staff members
administering the three regular entitlement programs. Two additional staff members
have been added to Housing since January 2009. Below is a brief break -down of
the activity undertaken within Tamarac's Housing Division for the past 24 months:
104 Applications APPROVED by Housing Division
May 2007 through May 27, 2009 (2 yrs.)
Disaster Recovery Program 2
Purchase Assistance Program 10
Home Rehab Activities 69
NSP #1 (DPA to date) 23
80 Applications PROCESSED in addition to those Approved above
regardless of approval/denial/no decision to date
May 2007 through May 27, 2009 (2 yrs.)
Disaster Recovery Program 1
Purchase Assistance Program 16
Home Rehabilitation 39
NSP #1 (DPA to date) 24
(Another 27 pending processing over next 2-3 months and 75 on waiting list.)
Per NSP2 guidelines, an agency submitting an NSP2 application must be able to
show they have successfully carried out and complete activities eligible under the
NSP2 Notice involving at least 75 units of housing within the 24-month period
immediately preceding the date of the NOFA. With the data above, Tamarac has
exceeded that 75 unit minimum. 104 units of housing have been approved,
assisted and completed over the past 24 months. The latter figure of 80
applications, were processed for eligibility as well, however due to withdrawal, in-
eligibility, are still being processed, or other factors, the work was not carried out.
The processing of these 80 files also require an in depth knowledge and
understanding of the state and federal guidelines of which the applications were
submitted for. Overall, the City's Housing Division has worked with over 180
households for assistance for the activities proposed by this NSP2
application.
b. Management Structure (10 points)
1. The following chart displays all departments and divisions within the City of
Tamarac that may be involved with the NSP2 program. From activity decision
making, funding allocations, and implementation details, these positions have input
on the program. The City Commission will be involved in the process with final
approval of this application and the NSP2 program.
16
Neighborhood Stabilization Program 2 — Management Structure
Deputy City
Manager, Michael
Cern�e%ch
V
Director of
Community
Development,
Jennifer K.
Housing
Administrator,
Angela Bauldree
Housing
Coordinator,
Lato a James
Grant Coordinator,
Marcia Oban
Grant Coordinator,
Marie Thompson
City_Manager, Jeffrey L. Miller
Building Official
Claudio Grande
Operations
Manager, Ken
McIntyre
3 Administrative
Coordinators
5 Permitting
Clerks
8Inspectors
17
Finance Director,
Vacant Position -
Michael Cernech,
Actina Director
Controller, Christine
Ca'uste
Accounting
Supervisor, Rick
Spencer
Accounts Payable,
Avril Major
Buyer, Steve
Beamsderfer
Purchasing/Contracts
Manager, Keith Glatz
Senior Procurement
Specialist, Jim
Nicotra
Assistant City
Manager, Diane
Phillips
l'rr
City Attorney's
Office
City Attorney, Sam
Goren
City Attorney,
David Tolces
City Attorney,
Jacob Horowitz
City Attorney, DJ
Doody
City Attorney Julie
Klar
The key personnel associated with NSP programs are the Housing Division staff. A
few additional staff members play an important role in the success of NSP as well.
The key personnel and their roles area as follows:
• Housing Administrator
This position is responsible for over -sight of all Housing programs and
projects. The Housing Coordinator and two Grant Coordinators report
to the Administrator. With the constant changes to NSP, obstacles
occurring with realtors and lenders and the home buying process
itself, the Administrator is the decision maker. This position is also
responsible for reporting, budgeting, monitoring, and billing. The
Housing Administrator is the creator of this application. In addition, the
Housing Administrator coordinates research, and recommends
activities. The Housing Administrator has over eighteen (18) years
working in government, with eight of them in Housing and
Redevelopment.
• Housing Coordinator
This position conducts more of the programmatic functions associated
with the funding sources of the Housing Programs. Specific
knowledge of federal and state guidelines is necessary for successful
implementation. The Coordinator processes applications for
assistance, offers guidance to the Grant Coordinators, maintains grant
ledgers and reporting data. Another primary function of the position is
the coordination with multiple agencies associated with the processing
of home loans such as lead -paint inspectors, appraisers, general
contractors, and title companies. The Coordinator has over five years
in state and federal specific housing grant programs.
• Grant Coordinators (2 positions)
These two positions sole responsibilities are the processing of NSP
applications. They conduct income verification, application approval,
coordination with real estate professionals for the selection of eligible
properties within NSP targeted areas, and work with lending
institutions on the nuances associated with purchasing a foreclosure
and using NSP funds to do so. Their diligence allowed Tamarac's
program to be the first in South Florida to successfully close on an
NSP funded property. Once purchases occur, these positions will also
be responsible for coordinating the home rehabilitation process. From
the bid selection process to the final inspections verifying work
completion, these Grant Coordinators will conduct the day-to-day
duties associated with Home Rehabilitation. One of the Grant
Coordinators comes to Tamarac with over ten (10) years working for a
non-profit HUD approved housing counseling agency, and the other
Grant Coordinator with in excess of twenty (20) years in mortgage
processing.
The City of Tamarac has numerous formal and informal partnerships that help make
the Housing Programs a success and all members of the Housing Division work
closely with these partners to ensure positive results. From the lending institutions,
other local governments, non-profit agencies and other affordable housing
advocates, Tamarac works cooperatively seeking the best practices and utilizing the
most informative partners for its Housing programs.
Additional staff members with significant contributions to Housing Programs and
NSP are listed below:
• Accounting Supervisor and Comptroller
These two positions monitor our budget, expenditures by activity, and
assist with the billing process. They are aware of the requirement to
expend 25% of NSP funds to households whose income is below 50%
AMI and ensure that is achieved and follow appropriate accounting
procedures that ensure a successful audit.
• Director of Community Development
The Director is in charge of all Housing personnel. The Administrator
reports directly to the Director. The Director verifies all documents,
reports and makes final recommendations of all Housing programs,
projects and procedures. The submission of NSP1 and NSP2
applications was forwarded to the City Manager by the Director prior
to approval by the City Commission. As the responsible individual, the
Director monitors recommendations and research prior to final
submission for formal approval of all issues.
2. The following list of references has been very instrumental and work closely with
the Housing Division:
• Ralph Stone, Director and John R. Batey, AICP
Housing Finance and Community Development Division
Broward County Environmental Protection and Growth
Management Department
rstone a(�.broward.org
110 NE 3rd Street
Fort Lauderdale, FL 33301
(954) 765-8971 (voice) - (954) 765-5340 (fax)
• Chester Bishop, President
Housing Foundation of America, Inc.
HUD Certified Counseling Agency
hudcertifiedCDyahoo.com
2400 N. University Drive #200
Pembroke Pines, FL 33024
(954) 923-5001 (Office)
(954) 923-1225 (Fax)
19
• Michelle Richards, Senior Mortgage Loan Officer
Bank of America
michelle. e. rich ard s(cDba nkofamerica. com
1776 N. Pine Island Road, Suite #100
Plantation, FL 33322
(954) 832-3030 (Office)
(866) 517-0965 (Fax)
• Dawn Williams -Bobo, Broker
PRAG Realtors
prag(Mbellsouth.net
8061 W. McNab Road
Tamarac, FL 33321
(954) 580-0447 (Office)
(954) 726-5368 (Fax)
Factor 3: Soundness of Approach (45 points)
a. Proposed Activities (15 points)
1. With such a high percentage of foreclosures and vacancies, getting those
properties occupied is a priority for Tamarac. The long-term advantage is
ten -fold; occupied well -maintained homes, homeowners building wealth,
communities (HOA's) gaining revenue that can be used for on -going
maintenance/revitalization of individual communities, City collecting
revenue and fees for services, neighborhood decline being reduced and
new residents experiencing Tamarac. New residents will help support the
local business community resulting in revenues, service expansion and
job creation.
Implementing a Down Payment Assistance/Subsidy Program with NSP2
funds will achieve all of the above. As previously stated, Tamarac has
300-600 foreclosures in any given month. NSP2 funds will allow the City
to place approximately 150 homebuyers into foreclosed homes within a
two year period, thus greatly impacting the communities they occupy and
the City as a whole. NSP2 will only add to the benefits created by the
already implemented NSP1 program.
Another program implemented by the City to help improve the community
and establish partnerships is the "Neighborhood Partnership Program".
This program is a matching grant program that will foster the needs of our
communities, enhance neighborhood vitality, and stimulate satisfaction
zo
within our communities. The program will also promote an energy within
through neighborhood meetings and planning opportunities that promote
two-way communication with residents, support of neighborhood /
homeowners associations, and cultivate neighborhood partnership
agreements. This program is funded by the City's General Fund, with a
50/50 matching component by the partnering community.
2. a. NSP2 funds will be allocated to the following activities:
CORRELATED
CDBG
NSP2 RESPONSIBLE ELIGIBLE 51%AMI-
ACTIVITY ENTITY NSP ELIGIBLE USE ACTIVITY <50%AMI 120%AMI TOTAL
A. Financing
Mechanisms
Financial
Assistance to
income eligible
households for
down
City of Tamarac,
payment/subsidy
Housing
assistance.
24 CFR
Division
570.201(n)
$1,500,000.00
$3,250,000.00
$4,750,000.00
Delivery of Services costs associated with activity maybe factored into each household's
assistance.
Approximately 150 households to be assisted by the Down Payment / Subsidy
Assistance activity.
A. Financing
Financial
Mechanisms
Assistance to
income eligible
households for
home
rehabilitation
City of Tamarac,
assistance after
Housing
purchase.
24 CFR
Division
570.201(n)
$1,000,000.00
$3,500,000.00
$4,500,000.00
Delivery of Services costs associated with activity may be factored into each household's
assistance.
City of Tamarac,
Program
Housing
24 CFR
Administration
Division
570.206
$750,000.00
TOTAL $2,500,000.00 $6,500,000.00
25% of Allocation to 50% or below AMI requirement = $2,500,000.00
$10,000,000.00
21
2. b. Activity Descriptions
Each activity will have a deferred loan component as follows to encourage residents to
stay in their home for an extended period of time:
Financing Mechanism
This activity will assist Homebuyers with the purchase of a foreclosed property.
The financial assistance will be in the form of down payment/homebuyer assistance
to bridge the gap between the amount of the first mortgage provided by their lender
and the purchase price.
Down Payment/Subsidy Assistance
Assistance
Amount
Affordability
Period
50% LMI or below Up to 70% Purchase Price
51% LMI - 80%
LMI Up to 40% Purchase Price
81% LMI -120%
LMI Up to 10% Purchase Price
30 Years Total
Years 1 — 5
Years 6 — 10
Years 11- 30
Not Prorated
10% Shared Equity
Not Prorated
5% Shared Equity
Prorated down 5% each year
Housing Counseling services will be contracted out to HUD approved Counseling
agencies to meet the 8-hour required training for each homebuver.
Additional real estate services offered by participating realtors are also included in
this activity to assist eligible homebuyers in locating foreclosed upon residential
properties, as well as locating the seller or seller's agent.
All eligible home buying applicants will be educated on negotiations with regard to
discounts. Several considerations by the applicant may help determine the amount
22
of the discount such as length of time on the market (carrying costs), condition of
the property, costs associated with rehabilitation that may be required, and other
contributing factors. During the Realtor Workshop conducted for NSP1 and
planned for NSP2, as well as all Workshops and contact with homebuyers, staff will
stress the importance of discounts and work with all parties to be sure discounts
are considered to their maximum abilities.
A current market value appraisal will be utilized to help determine the appropriate
discount for each purchase transaction. The methodology will also provide for an
analysis of the estimated holding period for the property and the nature amount of
the carrying costs of holding the property for this period. Such carrying costs shall
include, but not be limited to: taxes, insurance, maintenance, marketing, overhead
and interest. The City will document this methodology within each transaction.
The City will conduct Housing Seminars on a regular basis for homebuyers after the
eligibility process to educate them on the program, home buying process, lending
guidelines, rehabilitation options, and any other home buying related activities.
Due to the fact this program will be available to City employees, Housing staff will
ensure proper procedural adherence to the Department of Housing and Urban
Development's Conflict of Interest regulation 24 CFR 570.611. All employee
applications seeking assistance under the NSP program will be forwarded to the
local Miami HUD Field Office requesting an "exception" on a case -by -case basis
approving said employee for assistance.
The national objective for this NSP2 activity is low -moderate -middle income.
Financing Mechanism
This activity is to assist Homebuyers with the rehabilitation of a foreclosed property.
Rehabilitation after Down Payment/Subsidy Assistance
15 Years Maximum
<$15,000 5 Year Deferred Loan
Year 1 —5
Prorated 20% per year
$15,000 - $40,000
10 Year Deferred Loan
Years 1 — 5
Not Prorated
Years 6 — 10
Prorated 20% per year
23
>$40,000
15 Year Deferred Loan
Years 1 — 5
Not Prorated
Years 6 — 15
Prorated 10% per year
The national objective for this NSP2 activity is low -moderate -middle income.
The Program Administration of the Neighborhood Stabilization Program will be
handled in-house by the existing staff which is comprised of a full-time Housing
Administrator and full-time Housing Coordinator and two additional full-time
temporary positions that will be 100% dedicated to the NSP & 2 activities. The
appropriate portion of salaries of the existing positions will be drawn based on the
percentage of time spent on the NSP activities. Should NSP2 be awarded to
Tamarac, additional staff may be approved.
The activities listed in this NSP2 application will be solely funded by the NSP2
program. The City has its regular allocations from CDBG, SHIP and HOME which
will continue to be processed; however, these funds will remain allocated to
previously committed activities.
Additionally, the City confirms that all activities requiring the submission of an
application for funds will include the following statement:
Fair Housing Act
Title VIII of the Civil Rights Act of 1968 (Fair Housing Act), as
amended, prohibits discrimination in the sale, rental, and financing
of dwellings, and in other housing -related transactions, based on
race, color, national origin, religion, sex, familial status (including
children under the age of 18 living with parents of legal custodians,
pregnant women, and people securing custody of children under
the age of 18), and handicap (disability).
As per the Federal Notice, NSP2 applicants are to provide baseline data and later
report on certain output measures. The following is a sample of outcome measures
the City will be able to report on once funding is awarded and applicants are
assisted:
• Increased median market values
neighborhoods.
• Reduction or elimination of vacant
property in targeted neighborhoods.
24
of real estate in targeted
or abandoned residential
All reporting of data will be conducted by the City as required by Appendix 1,
paragraph O of the Federal Notice. The city currently conducts its NSP1 reporting
functions in DRGR and is ready to proceed with the same for NSP2.
b. Project Completion Schedule (5 points)
Time Schedule assuming Award of NSP2 Funds is approximately January 2010.
WORK TASKS TIME SCHEDULE
Input of NSP2 Activities in DRGR January 2010
Income Verification of Applications Started with NSP 1, On -going
Homebuyer Workshop at City February 2010
Application approvals issued February 2010, On -going
Closings begin for Purchase Assistance
Applicants April 2010, On -going
1st Quarterly Report April 2010
Quarterly thereafter On -going
Open Enrollment for DPA Applications April - June 2010
Home Rehabilitation process begins for
purchased properties July 2010, On -going
Obligations and Expenditure Reporting begins October 2011
Closings on DPA and Rehabilitation loans
continue until funds are expended or NSP2
deadline, whichever comes first. On -going
Meet 50% expenditure deadline December 2011
Continue closings on DPA and Rehabilitation
loans continue until funds are expended or NSP2
deadline, whichever comes first. On -going
Meet 100% expenditure deadline December 2012
Close Out (reporting) December 2012
25
The City received over 150 applications for Down Payment Assistance under NSP
which is only able to fund approximately 60-80 applicants. Therefore, the City has
the additional; NSP unfunded, applications to work with immediately. Additional
applications can be accepted during an Open Enrollment period as needed.
c. Income Targeting for 120 percent and 50 percent of median (5 points)
As with NSP, this criterion is met by the income certification and budgeting process.
During the application intake process, all applicants are given a copy of the HUD
approved income chart which details the maximum income by household size. The
income chart breaks down household incomes into three categories; very -low (50%
AMI and below), low-income (51% to 80% AMI), and middle income (81% to 120%
AMI). The City's assistance amounts are based income level. The assistance
amounts break -down is displayed in Factor 3 (a) (2b).
When the budget was created, referenced in Factor 3(a) (2a), the required 25% set -
aside for households whose income does not exceed 50% of the area median
income was set as a separate line item. When the approval process begins,
applicants will be placed on the spreadsheet according to their income category
ensuring the 25% requirement is met. Tamarac accepts more applications that
funding would allow accounting for this issue as well as the expectation that many
will drop -out, withdraw, or be ineligible.
Each income category will have funds set -aside as follows:
50% LMI or below
Up to 70% Purchase
Price
Up to 40% Purchase
51% LMI - 80% LMI
Price
Up to 10% Purchase
81% LMI - 120% LMI
Price
With NSP1, the funds for the 50% AMI and below category were the first to be
committed. Splitting the funding keeps a clean record of the 25% set -aside
requirement.
d. Continued Affordability (5 points)
Tamarac has implemented a 30 year deferred loan time frame on its NSP Down
Payment Assistance/Subsidy loans. With this extensive time frame, recipients are
encouraged to remain in their property to keep from repaying the loan. Within the
30 years; should the property change ownership, the City will recapture the balance
due allowing the funds to go back into the program and assist another homebuyer.
As noted in Factor 3(a) above, the affordability terms are as follows and apply to
each household regardless of income category:
26
Down Payment/Subsidy Assistance
Assistance
Amount
Affordability
Period
50% LMI or below
51% LMI - 80% LMI
81% LMI - 120% LMI
30 Years Total
Years 1 — 5
Years 6 — 10
Years 11- 30
Up to 70% Purchase Price
Up to 40% Purchase Price
Up to 10% Purchase Price
Not Prorated
10% Shared Equity
Not Prorated
5% Shared Equity
Prorated down 5% each year
Rehabilitation after Down Payment/Subsidy Assistance
15 Years Maximum
5 Year
Deferred
<$15,000 Loan
Year 1 — 5
Prorated 20% per year
$15,000 - $40,000
>$40,000
27
10 Year Deferred Loan
Years 1 — 5
Not Prorated
Years 6 — 10
Prorated 20% per year
15 Year Deferred Loan
Years 1 — 5
Not Prorated
Years 6 — 15
Prorated 10% per year
e. Consultation, Outreach and Communication (5 points)
1. Tamarac's application does not include multiple jurisdictions, however, Tamarac
interacts throughout Broward County which has several Task Forces,
Consortiums, and Committees at which ideas, best practices, and partnerships
are utilized. During the application process for both NSP and NSP2 funds, staff
discussed its activity options at length with implementation, execution, and
effectiveness of the program taken into consideration.
During several neighborhood meetings held within each of the City's Four
District's, City residents affirmed that getting these properties occupied would be
the best and most effective solution. The City concurs and is recommending the
same through the submission of the NSP2 application.
The NSP programs are very well known within the City as well as surrounding
communities. During most public hearings, meetings and workshops, the issue
of foreclosures' comes up; in turn staff, the City Manager and City Commission
are constantly updating and informing their constituents' on the status of the
programs (NSP and NSP2, should it be awarded).
Other activities carried out for NSP that aggressively promoted the program
were Real Estate and Homebuyers Workshops. These two workshops
explained the program, its guidelines and benefits, and allowed real estate
professionals to spread the word throughout their clientele and real estate
community. Over 110 Real Estate professionals attended the Workshop.
2. During the two month Open Enrollment period for NSP, the City received over
150 applications. Understanding that the application process involves income
verification and other screening factors that may eliminate applicants, extra
applications were accepted to ensure there were enough applications to meet
the expectation of eighty households to possible by .served with NSP1 funds.
NSP was expected to assist approximately 80 households based on the amount
of funds allocated and the assistance amounts to be issued. Therefore, the
remaining, un-assisted applications will be processed under the NSP2 program.
A second Open Enrollment will be announced accepting additional applications
necessary to expend NSP2 program funds as necessary.
3. On a quarterly basis, during open City Commission Workshops, staff gives the
Commission, and the public in attendance, an update on Housing programs and
more specifically the NSP program(s). Information such as success stories,
obstacles, upcoming events and deadlines are conveyed. All amendments to
Housing Assistance programs are conveyed during public hearings at the
approval process during City Commission meetings.
All complaints are addressed within three working days. Staff, will research the
details of the complaint, determine interested parties and work on resolution or
acceptable outcome. Depending on the nature of the complaint, processing and
research time may vary; however, constant communication with the complainant
is carried out as necessary.
Advertisement for new programs is achieved via, the City's website, City
newsletter (Tam -A -Gram), the local newspaper; as well as printed flyers and
brochures in City Hall. Additionally, each member of the City Commission has
regular email announcements in which significant programs are promoted to
residents' within each District.
f. Performance and Monitoring (10 points)
1. The City consistently meets the threshold for the requirement of an annual
compliance audit, this audit is done annually in conjunction with the City's
Financial Statement Audit; the audit is conducted by an Independent Certified
Public Accountant (CPA). As part of the audit, the CPA reviews programs,
projects and activities within each Department and Division to ensure proper
administration of funds and compliance with contracts and regulations. Our
present auditor is GLSC and Company PLC, who will be completing the last year
of a three year contract in Fiscal Year 2010.
Per CDBG guidelines, as an entitlement community, the City has performed its
annual audit requirements in accordance with the Single Audit Act, as
implemented by Circular A-128.
Additionally, the City is subject to audits at any given period by the state and
federal agencies which its annual activities are carried out. In July 2007, the
State conducted an audit and found no violations nor issued any findings
on behalf of the State Housing Initiative Program.
2. Internally, the City has numerous methods of checks and balances to ensure
proper completion of activities. Every Housing staff member has another
administrative level above them which double-checks all aspects of each
Housing transaction. From the income certification process to the payment for
work completed, the layers of management outline in Factor 2(b) offer complete
oversight and accountability for all activities carried out within the various
funding sources.
Our monitoring plan will continue as described above. As such, staff's familiarity
with federal programs released under the department of Housing and Urban
Development will provide additional programmatic procedures to assist in
ensuring accurate, efficient and proper documentation of activities as well as use
of funds. The reporting process will also allow the local field office to ascertain
deficiencies which need to be addressed.
29
The primary positions that will conduct internal audits activities would be:
Accounting Supervisor
Comptroller
Purchasing Manager
Housing Administrator
Factor 4: Leveraging Other Funds, or Removal of Substantial Negative
Effects (10 points)
a. Currently the City does not have firm commitments on resources available for
leveraging; however, a Developer Agreement with a local for -profit developer is
underway. A new housing development within the City consisting of over 700
units is in the planning stages. As part of the Land Use Plan Amendment
Application, Broward County created a Restrictive Covenant that calls for fifteen
percent of units to be set -aside for work -force housing. Recently it has been
discussed that the developer may contribute funds rather than units to the City's
Affordable Housing Trust fund. Should those funds be received, they will be
used to continue the housing efforts described in this NSP2 application.
Although the City will not be leveraging resources with NSP2 funds, NSP1
activities already in place combined with NSP2 funds, all allocated to the
purchase and rehabilitation of foreclosed/vacant homes will have a substantial
positive impact on the City as a whole and the individual communities being
affected. As mentioned throughout this application, assisting homebuyers with
the purchase of foreclosed properties will have a compound positive effect on
Tamarac's neighborhoods and economy.
Additionally, the recapture provisions set up for NSP and NSP2 allow for on-
going and long-term contributions back into the Neighborhood Stabilization
Program fund. The affordability terms; should they be breeched by a
homebuyer, offer additional funds for the purchase of foreclosed properties.
The City's regular entitlement state and federal funds allow for additional
contributions to the NSP and NSP2 activities should funds be available. For the
current fiscal year, the City cannot commit state or federal funds to the NSP
programs. State Housing Initiative Program (SHIP) funds have been reduced for
FY 2009/2010 with the exception of the new Homebuyer Opportunity Program,
and federal Community Development Block Grant (CDBG) funds have already
been allocated to other activities.
30
b. Using the Rubric provided in the Federal Notice, the following score calculates
as follows:
(1.5 times (Sum total of vacant properties proposed to be addressed
through acquisition and rehab) + (Sum total of vacant properties to be
addressed via demolition)) divided by (Sum total of all vacant
residential properties in target area)
1.5
X 150
(Approximate number of properties to be assisted)
225
+ 0
(Number of properties to be demolished)
225
/ 500
(Average number of REO's in target areas)
Equals .45
Factor 5: Energy Efficiency Improvement and Sustainable
Development Factors (10 points)
a. Transit (4 points)
The City of Tamarac has seven (7) major roadways (thoroughfares) running both
east to west and north to the south. Commercial Boulevard, Mc Nab Road, and
Southgate Boulevard run through the City east/west. University Drive and State
Road 441 run north/south. With this, Broward County Transit runs seven (7) routes
throughout the City. Additionally, the City operates its own Bus System. The
Tamarac shuttle has two (2) routes, and is accessible from 9:00 am to 5:00 pm, five
(5) days a week and serves to provide service to locations throughout the City and
as a connector to the County bus system.
There are also 2 major highways that run through the City: Florida Turnpike and
Sawgrass Expressway. Commuter Rail (Tri-Rail) also runs through the City which
has connections available from Broward County Transit. Tri-Rail runs north to south
through the Tri-County (Miami -Dade, Broward and Palm Beach) area. This system
is specifically planned to incorporate the local transit system with routes meeting up
at or near the stop stations.
Broward County Transit has a Paratransit shuttle -type system for disabled residents
at a low cost fare. This service is available after an application process and
individual, direct trips are scheduled via telephone at a central location. Residents
may utilize this system for all transportation needs from; social to medical. Staff at
the Tamarac Community Center assists residents interested in this service with the
application process.
31
b. Green Building Standards (3 points)
The City of Tamarac's home rehabilitation program incorporates Energy Star
qualified products and practices when conducting rehabilitation. This includes
meeting applicable codes, and rehabilitation standards. All rehabilitation jobs which
replace appliances available with the Energy Star rating will be included in the work
specifications as such. The City's consultant general contractor who prepares all
rehabilitation work specifications has already begun incorporating Energy Star rated
appliances; including Air Conditioning units, water heating units and kitchen
appliances.
The City of Tamarac has officially been certified as a Florida Green Local
Government. The City of Tamarac is the first municipality to be awarded the
designation in South Florida. The Florida Green Building Coalition (FGBC), a non-
profit organization dedicated to improving the built environment through
conservation efforts which recognizes local governments for exceptional
environmental stewardship has designated the City of Tamarac a Florida Green
Local Government.
This award designation is the culmination of a formal year -long application process
involving all City Department and City employees at all levels. The City of Tamarac
was certified as a Florida Green Local Government on May 19, 2008 at the Silver
level, having earned 31 % of the maximum applicable points.
The FGBC acknowledged the City of Tamarac's commitment to the environment
and praised innovative green practices such as Broward Sherriff's Office being
trained in Crime Prevention Through Environmental Design (OPTED), use of energy
saving computer equipment, the availability of a number of free and discounted
green products, and a vast majority of City medians, streetscapes and facilities
being certified as Florida Friendly landscapes. In addition, the City's Utilities
Department was awarded the Emerald Award for Pollution Prevention by Board of
County Commission. The City's reputation for environmental programs is unparallel
in Broward County. The City applies all applicable environmental initiatives to its
state and federal housing programs.
c. Re -Use of Cleared Sites (1 point)
The City is not conducting any demolition activities with NSP2 funds.
d. Deconstruction (1 point)
The City is not conducting any demolition activities with NSP2 funds; therefore,
deconstruction is not an option.
32
e. Sustainable Practices (1 point)
In an effort to promote conservation and preservation, the City offers several
programs to its residents towards these efforts such as:
• Providing Low Flow Showerheads
• Providing Leak Detection Tablets
• Providing Low Flow Toilet Rebates
• Providing Aerators
• Irrigation Rain Sensor Shut -Off Devices
• Free Tree Program
• Free Paint Program
Factor 6: Neighborhood Transformation and Economic Opportunity (5
points)
1. Per the City's Comprehensive Plan Housing Element (available within the City's
Community Development Department):
Goal The City will ensure adequate and affordable housing, in a full range
of types and lifestyles options, is provide to existing and future residents of the City
of Tamarac.
Monitoring and Evaluation
By 2010, assist 25 families through the purchase assistance program
using local and State funds.
Policy 1.6 The City should actively pursue innovative strategies to preserve the
existing housing stock through tools such as a community land trust, shared
appreciation model program and other strategies as needed to continue to preserve
the City's housing stock.
Policy 1.7 The City shall increase the average number of families assisted yearly
through the purchase assistance program by assisting 25 families by 2010, and
increasing outreach and education on the City's housing assistance programs.
2. With the incorporation of NSP2 funds and the proposed activities, the goals and
objectives described above from the City's Comprehensive Plan will be met and
exceeded. Tamarac is an affordable community, however, in poor economic times,
even the most affordable house does not provide for a potential buyer with full -
funding of their own. Down Payment Assistance programs have been implemented
for years due to the fact that households at the low -moderate -middle income levels
still find gaps in the amount of money they qualify for and the amount of money
necessary to purchase a home.
33
The activities in this NSP2 application will help over 150 households achieve that
goal and the American Dream. The Down Payment Assistance activity will help
provide gap financing to eligible households who incomes limit their ability to obtain
financing on their own. The applicants approved for the City's NSP funding will be
limited to a first mortgage not to exceed 32% of their monthly income. Keeping a
low first mortgage allows the applicant to build savings, have funds for necessary
maintenance and save for unexpected finance related situations.
The City's NSP2 application contains a second activity of assistance for the
rehabilitation of the foreclosure. Many foreclosures are deteriorated and in need of
minor to extensive repairs. The Rehabilitation activity is also a deferred loan as is
the Down Payment Assistance loans. The recapture period varies depending on the
amount of funds issued; the more money issued, the longer the deferred time period
is.
These two activities accomplish occupancy and improve the value of the
neighborhoods which the purchases takes place. As stated in Policy 1.6 above, the
City's loan terms even include a shared equity component that encourages
homebuyers to remain in their properties longer, but offers the City some security
should homebuyers opt to leave their residence prior to the end of the term. This
element helps preserve the City's housing stock.
34
APPLICATION FORM(S)
OMB Number. 4040-0004
Expiration [)ate: W31/2009
Application for Federal Assistance SF-424
version 02
*1. Type of Submission:
*2. Type of Application If Revision, select appropriate letter(s)
❑ Preapplication
❑ New
® Application
® Continuation
*Other (Specify)
❑ Changed/Corrected Application
❑ Revision
3. Date Received: 4. Applicant Identifier:
5a. Federal Entity Identifier:
*5b. Federal Award Identifier:
State Use Only:
6. Date Received by State:
7. State Application Identifier:
8. APPLICANT INFORMATION:
*a. Legal Name: CITY OF TAMARAC
*b. Employer/Taxpayer Identification Number (EIN/TIN):
c. Organizational DUNS:
[07727,0940
59-1039552
d. Address:
*Street 1: 7525 NW 88 Avenue
Street 2:
*City: Tamarac
County: Broward
*State: FL
Province:
*Country: USA
*Zip / Postal Code 33321
e. Organizational Unit:
Department Name:
Division Name:
City Manager's Office
Community Development Department
f. Name and contact information of person to be contacted on matters involving this application:
Prefix: Mrs. *First Name: Jennifer
Middle Name: K.
*Last Name: Bramlev
Suffix:
Title: Director of Community Development
Organizational Affiliation:
City of Tamarac
*Telephone Number: 954-597-3530
Fax Number: 954-597-3540
*Email: jenniferb@tamarac.org
OMB Number_ 4040-0004
Broiratiun I7nte01/312009
Application for Federal Assistance SF-424 Version 02
*9. Type of Applicant 1: Select Applicant Type:
C. City or Township Government
Type of Applicant 2: Select Applicant Type:
Type of Applicant 3: Select Applicant Type:
*Other (Specify)
*10 Name of Federal Agency:
Department of Housing and Urban Development
11. Catalog of Federal Domestic Assistance Number:
CFDA Title:
NSP2
*12 Funding Opportunity Number:
*Title:
13. Competition Identification Number:
Title:
14. Areas Affected by Project (Cities, Counties, States, etc.):
City of Tamarac, Broward County, Florida
*15. Descriptive Title of Applicant's Project:
NSP2:
Financing Mechanisms (Down Payment Assistance and Home Rehabilitation)
Administration
OMB Number. 4040-0004
Expiration Datc. 0 1/3 1/2009
Application for Federal Assistance SF424 Version 02
16. Congressional Districts Of:
*a. Applicant: Districts 19, 20 & 23 *b. Program/Project: Rehabiltation
17. Proposed Project:
*a. Start Date: 01/01/10 *b. End Date: 12/31/12
18. Estimated Funding ($):
*a. Federal 10,000,000.00
*b. Applicant
*c. State
*d. Local
*a. Other
*f. Program Income
*g. TOTAL 10,000,000.00
*19. Is Application Subject to Review By State Under Executive Order 12372 Process?
❑ a. This application was made available to the State under the Executive Order 12372 Process for review on
❑ b. Program is subject to E.O. 12372 but has not been selected by the State for review.
® c. Program is not covered by E. 0. 12372
*20. Is the Applicant Delinquent On Any Federal Debt? (If "Yes", provide explanation.)
❑ Yes ® No
21. *By signing this application, I certify (1) to the statements contained in the list of certifications** and (2) that the statements
herein are true, complete and accurate to the best of my knowledge. I also provide the required assurances** and agree to comply
with any resulting terms if I accept an award. I am aware that any false, fictitious, or fraudulent statements or claims may subject
me to criminal, civil, or administrative penalties. (U. S. Code, Title 218, Section 1001)
® **I AGREE
** The list of certifications and assurances, or an internet site where you may obtain this list, is contained in the announcement or
agency specific instructions
Authorized Representative:
Prefix: Mr. *First Name: Jeffrey
Middle Name: L.
*Last Name: Miller
Suffix:
*Title: City Manager
*Telephone Number: 954-597-3510
Fax Number: 954-597-3520
Email: jeffreym@tamarac.org
*Signature of Authorized Representative: _ /7�2.--
Date Signed:
Authorized for Local Reproduction Standard Form 424 (Revised 10/2005)
Prescribed by OMB Circular A-102
DISCLOSURES
Applicant/Recipient U.S. Department of Housing OMB Approval No. 2510-0011 (exp.8131/2009)
Disclosure/Update Report and Urban Development
Instructions. (See Public Reporting Statement and Privacy Act Statement and detailed instructions on page 2.)
area code):
CITY OF TAMARAC, FL 7525 NW 88 Avenue
Tamarac, FL 33321 (954) 597-3510
Indicate whether this is an Initial Report 0 or an Update Report ❑
z. �iociai becunry Number or
Employer ID Number:
591-03-9552
3. HUD Program Name 14. Amount of HUD Assistance
Neighborhood Stabilization Program 2 (NSP2) Requested/Received
$10,000,000.00
5. State the name and location (street address, City and State) of the project or activity:
City Of Tamarac
Part I Threshold Determinations
1. Are you applying for assistance for a specific project or activity? These 2. Have you received or do you expect to receive assistance within the
terms do not include formula grants, such as public housing operating jurisdiction of the Department (HUD) , involving the project or activity in
subsidy or CDBG block grants. (For further information see 24 CFR Sec. this application, in excess of $200,000 during this fiscal year (Oct. 1 -
4.3). Sep. 30)? For further information, see 24 CFR Sec. 4.9
✓❑ Yes ❑ No �✓ Yes ❑ No.
If you answered " No° to either question 1 or 2, Stop! You do not need to complete the remainder of this form.
However, you must sign the certification at the end of the report.
Part II Other Government Assistance Provided or Requested / Expected Sources and Use of Funds.
Such assistance includes, but is not limited to, any grant, loan, subsidy, guarantee, insurance, payment, credit, or tax benefit.
Department/State/Local Agency Name and Address
Type of Assistance
Amount
Re uestedlProvided
Expected Uses of the Funds
U.S. Department of HUD
Grant
$10,000,000.00
Down P mt Assist & Rehab
(Note: Use Additional pages if necessary.)
Part III Interested Parties. You must disclose:
1. All developers, contractors, or consultants involved in the application for the assistance or in the planning, development, or implementation of the
project or activity and
2. any other person who has a financial interest in the project or activity for which the assistance is sought that exceeds $50,000 or 10 percent of the
assistance (whichever is lower).
Alphabetical list of all persons with a reportable financial interest
in the project or activity For individuals, give the last name first
Social Security No.
or Employee ID No.
Type of Participation in
Project/Activity
Financial Interest in
Project/Activity $ and
(Note: Use Additional pages if necessary.)
Certification
Warning: If you knowingly make a false statement on this form, you may be subject to civil or criminal penalties under Section 1001 of Title 18 of the
United States Code. In addition, any person who knowingly and materially violates any required disclosures of information, including intentional non-
disclosure, is subject to civil money penalty not to exceed $10,000 for each violation.
I certify that this information is true and complete.
(mm/ddlyyyy)
Form HUD-2880 (3199)
APPENDICES
APPENDIX A
Personnel Manual Section 10 - Standards of Conduct Effective 12/22/04
Section 10. Standards of Conduct
10.01 CODE OF ETHICS
The public must have confidence in the integrity of its government. The
City of Tamarac is committed to the proper operation of government,
which requires the following: the actions of public officials and employees
be impartial; governmental decisions and policy be made within the proper
channels of the governmental structure; and public office not be used for
personal gain. Recognition of these goals establishes a Code of Ethics for
all officials and employees appointed and employed by the City of
Tamarac.
Violations of this Code of Ethics may result in disciplinary action, up to and
including discharge from employment. Ethics violations are also subject to
penalties under the applicable Florida Statutes, including Chapter 112, and
the City of Tamarac Code Chapter 2, Article 5, as amended.
A. No employee shall use his/her official position for personal gain, nor
shall engage in any business or transaction, nor shall have financial
or other interest, direct or indirect, which is in conflict with the proper
discharge of his/her official duties.
B. No employee shall, without proper legal authorization, disclose
confidential information concerning the property, government or
affairs of the City. No employee shall use his/her position of
employment, or information that he/she obtains in the course of City
business, to advance the financial or other private interests of
him/herself, a member of his/her immediate family or business, or
anyone else with whom the employee is associated.
C. No individual employee shall receive, directly or indirectly, any
compensation, reward or gift of even nominal value from any source
except compensation for any service, advice, assistance, or other
matter related to the governmental processes of the City.
D. No City employee shall have any financial interests in the profits of
any contract, service or other work performed by the City; nor shall
he/she personally profit directly or indirectly from any contract,
purchase, sale or service between the City and any person or
company.
E. No City employee shall represent private interests against the
interest of the City in any action or proceedings in which the City is
party.
Tamarac Personnel
Personnel Manual Section 10 - Standards of Conduct Effective 12/22/04
F. No employee shall engage in or accept private employment, or
render services for private interests, when such employment or
service is incompatible with the proper discharge of his/her official
duties or would impair his/her independent judgment or action in the
performance of his/her official duties. Please refer to Section 10.05,
Outside Employment.
G. Any employee having any doubt as to the applicability of a provision
of this Code of Ethics to a particular situation should consult with
his/her Department Director.
10.02 WORK HOURS
City employees may not engage in personal business, or any other
business, during work hours which adversely affects the performance of
their job responsibilities or in any other way interferes with, or negatively
impacts, the business of the City.
10.03 CITY PROPERTY
A. Every employee of the City is responsible for certain City property
and its proper use. City property is for the use of the employee in
the performance of job duties only, and remains the property of the
City regardless of its location.
B. City property is defined as, but not limited to, the following:
information; software; electronic media; rolling stock; tools;
publications; audio visual equipment; computers; communications
equipment; office supplies and equipment; uniforms; personal
protective equipment; keys; ID badges, furniture; vehicles; plumbing
and electrical equipment; building, construction and utility supplies;
and any other property purchased, leased or acquired by the City.
C. On occasion the City will send an employee to a work -related
seminar or class. Any materials, books, or other learning aids
received during the seminar or class are the property of the City.
D. Upon termination of City employment, the employee shall return all
City property to the Department Director or designee. The
employee will receive his/her final paycheck after the full return of
City property, or the accounting of City property (acceptable to the
City), as allowable under state and federal law.
City of Tamarac Personnel Manual Page 2
Personnel Manual Section 10 - Standards of Conduct Effective 12122/04
10.04 POLITICAL ACTIVITY
A. No City employee shall take part in the campaign or candidacy of
any person who is a candidate for elected office, including the
solicitation or contribution of time, money or anything of value to the
campaign of any candidate, while on duty or while wearing a City
uniform.
B. Employees are prohibited from participating in any activities, while
on duty or while wearing a City uniform, which supports or opposes
a political candidate.
C. No City employee, while off duty, shall use any City resources to
assist in the political activities of a candidate for elected office,
unless such resources are available to the public.
D. Violation of this policy constitutes cause for disciplinary action, up to
and including discharge.
10.05 OUTSIDE EMPLOYMENT
A. Employees are encouraged to notify the City of their involvement in
any outside employment to ensure that it does not violate the City
Code of Ethics. An Outside Employment Form is completed by the
employee and submitted to the Department Director. A copy of the
form will be forwarded to the Human Resources Department and
placed in the employee's personnel file. The following information
shall be included on the form: the name of the employer or if self-
employed; the location of employment; and the type of employment.
B. The Department Director will review the Outside Employment Form
to determine if such activity interferes with the proper performance
of the employee's City job responsibilities. The following questions
will be carefully considered when making a determination about
whether or not the outside employment is in violation of Section
10.01, Code of Ethics:
Does the outside employment have an adverse effect on the
public's confidence in the City government?
2. Could the employment result in a conflict of interest?
3. Does the outside employment have a detrimental effect on
the City's interests?
City of Tamarac Personnel Manual Page 3
Personnel Manual Section 10 - Standards of Conduct Effective 12/22/04
C. If it is determined that the outside employment interferes in any way
with the proper performance of the employee's official duties, or
there exists a conflict of interest, or there is the potential for a
conflict of interest, the City will inform the employee that his or her
involvement with the outside employment fails to meet and/or is in
violation of the requirements of the City's Code of Ethics, Section
10.01 of the Personnel Manual.
D. Violating the City's Code of Ethics may result in disciplinary action,
up to and including termination.
10.06 NEPOTISM
A. Definition of Relative
For the purposes of this policy, "Relative" means an individual who
is related to a City official or employee as father, mother, son,
daughter, brother, sister, uncle, aunt, first cousin, nephew, niece,
husband, wife, father-in-law, mother-in-law, son-in-law, daughter-in-
law, brother-in-law, sister-in-law, stepfather, stepmother, stepson,
stepdaughter, stepbrother, stepsister, half brother, or half sister.
B. Employment of Relatives
1. The employment of relatives of current employees, whether
full-time or part-time, is discouraged and shall be maintained
at a minimum.
2. If the marriage of two (2) individuals results in one (1)
employee supervising their relative, or being in a position
which substantially and directly influences the employment
conditions of their relative, then every effort will be made to
transfer one (1) of the employees to a position where this
situation does not occur. In the event that a transfer is not
possible, or if a transfer is not accepted, and if neither
employee will resign, the City shall terminate one of the
employees. It shall be within the sole and exclusive
discretion of the City to determine which employee shall be
terminated.
C. General
1. In accordance with Florida Statute 112.3135, no officer or
employee may appoint, employ, promote, advance, or
advocate for appointment, employment, promotion, or
advancement of any relative to any office or employment in
the City service, or increase the compensation of such
,City of Tamarac Personnel Manual Page 4
Personnel Manual Section 10 • Standards of Conduct Effective 12122/04
relative. Such appointment, employment, promotion,
advancement or increase in compensation shall be null and
void. Any willful violation of this policy shall constitute a
cause for dismissal or removal of the officer or employee
ordering and/or advocating such appointment, employment,
promotion, or increase in compensation.
2. In no event shall any person be hired, promoted, demoted,
or transferred into a position where their conditions of
employment are substantially and/or directly influenced by a
relative.
3. This policy also prohibits situations where a person has the
authority to remove, discipline, evaluate, or audit the
performance and/or work of a relative.
10.07 DRESS AND APPEARANCE
A. While at work, employees must dress appropriately for the work
which they perform. Employees required to wear uniforms shall
wear uniforms only during their work hours, except when traveling
to and from work or as otherwise directed by their Department
Director.
B. It is the responsibility of the Department Director or his/her
designee to establish appropriate dress standards and to ensure
that their workforce maintains an appearance appropriate to the
tasks that they are assigned.
10.08 SOLICITATION AND DISTRIBUTION
A. No employee shall be required to contribute to charitable
organizations. All such contributions are voluntary.
B. The City only endorses and supports annual fundraising activities
for the Broward County United Way. The United Way is an
umbrella organization for a number of different charitable causes.
The annual Broward County United Way Campaign does involve
presentations and solicitations during work hours. The Campaign
solicits employee participation through a payroll deduction program
that involves the City's payroll system. Unauthorized distribution of
literature, or the collection of money or pledges, for other charitable
or non-profit organizations during work hours is prohibited.
City of Tamarac Personnel Manual Page 5
Personnel Manual Section 10 - Standards of Conduct Effective 12122/04
10.09 E-MAIL AND INTERNET
The City provides access to, and the use of, Internet services and E-mail
for the purpose of furthering the goals and objectives of the City. These
electronic resources and tools have been made available to assist
employees in accomplishing their job responsibilities in an effective and
efficient manner. Please refer to the Electronic Mail Administrative Policy
and the Internet Administrative Policy. These policies are included in the
Manual as Appendices K and L.
10.10 PENALTY FOR VIOLATIONS
Violating the City's Standards of Conduct may result in disciplinary action,
up to and including discharge.
City of Tamarac Personnel Manual Page 6
APPENDIX B
NSP2 CERTIFICATIONS
In accordance with the applicable statutes and the regulations governing the
consolidated plan regulations, the jurisdiction certifies that:
Affirmatively Further Fair Housing -- The City of Tamarac will affirmatively further fair
housing. An analysis of impediments to fair housing choice within the jurisdiction has
been conducted in the past, and an update was completed within the FY07 funding
cycle. The jurisdiction will take appropriate actions to overcome the effects of the
impediments identified through that analysis, and maintain records reflecting that
analysis and actions in this regard.
Anti -displacement and Relocation Plan -- The City of Tamarac will comply with the
acquisition and relocation requirements of the Uniform Relocation Assistance and Real
Property Acquisition Policies Act of 1970, as amended, and implementing regulations at
49 CFR 24; and it has in effect and is following a residential anti -displacement and
relocation assistance plan required under section 104(d) of the Housing and Community
Development Act of 1974, as amended, in connection with any activity assisted with
funding under the CDBG or HOME programs.
Anti -Lobbying -- To the best of the jurisdiction's knowledge and belief:
1. No Federal appropriated funds have been paid or will be paid, by or
on behalf of it, to any person for influencing or attempting to
influence an officer or employee of any agency, a Member of
Congress, an officer or employee of Congress, or an employee of a
Member of Congress in connection with the awarding of any
Federal contract, the making of any Federal grant, the making of
any Federal loan, the entering into of any cooperative agreement,
and the extension, continuation, renewal, amendment, or
modification of any Federal contract, grant, loan, or cooperative
agreement;
2. If any funds other than Federal appropriated funds have been paid
or will be paid to any person for influencing or attempting to
influence an officer or employee of any agency, a Member of
Congress, an officer or employee of Congress, or an employee of a
Member of Congress in connection with this Federal contract,
grant, loan, or cooperative agreement, it will complete and submit
Standard Form-LLL, "Disclosure Form to Report Lobbying," in
accordance with its instructions; and
3. It will require that the language of paragraph 1 and 2 of this anti -
lobbying certification be included in the award documents for all
sub -awards at all tiers (including subcontractors, sub -grants, and
contracts under grants, loans, and cooperative agreements) and
that all sub -recipients shall certify and disclose accordingly.
Authority of Jurisdiction -- The consolidated plan is authorized under State and local
law (as applicable) and The City of Tamarac possesses the legal authority to carry out
the programs for which it is seeking funding, in accordance with applicable HUD
regulations.
Acquisition and Relocation -- The City of Tamarac will comply with the acquisition
and relocation requirements of the Uniform Relocation Assistance and Real Property
Acquisition Policies Act of 1970, as amended (42 U.S.0 4601), and implementing
regulations at 49 CFR part 24, except as those provisions are modified by the notice for
the NSP2 program published by HUD.
Section 3 -- The City of Tamarac will comply with section 3 of the Housing and Urban
Development Act of 1968, and implementing regulations at 24 CFR Part 135.
Citizen Participation -- The City of Tamarac is in full compliance and following a
detailed citizen participation plan that satisfies the NSP2 requirements.
Use of Funds - - The City of Tamarac will comply with Title III of Division B of the
Housing and Economic Recovery Act of 2008, as modified by the American
Reinvestment and Recovery Act by spending 50 percent of its grant funds within 2
years, and spending 100 percent within 3 years, of receipt of grant.
Jurisdictional Certification — The City of Tamarac certifies that:
a. Use NSP2 funds :5 120 of AMI. The jurisdiction will comply with the requirement
that all use of the NSP2 funds made available to it will be used with respect to
individuals and families whose income do not exceed 120 percent of the area
median income.
b. The City of Tamarac will not attempt to recover any capital costs of public
improvements assisted with CDBG funds, including Section 108 loan guaranteed
funds, by assessing any amount against properties owned and occupied by
persons of low -and moderate -income, including any fee charges of assessment
made as a condition of obtaining access to such public improvements. However,
is NSP funds are used to pay the proportion of a fee or assessment attributable
to the capital costs of public improvements (assisted in part with NSP funds)
financed from other revenue sources, an assessment or charge may be made
against the property with respect to the public improvements financed by a
source other than CDBG funds. In addition, with respect to properties owned and
occupied by moderate -income (but not low-income) families, an assessment or
charge may be made against the property with respect to the public
2
improvements financed by a source other than NSP funds if the jurisdiction
certifies that it lacks NSP or CDBG funds to cover the assessment.
Excessive Force -- The City of Tamarac has adopted and is enforcing:
1. A policy prohibiting the use of excessive force by law enforcement
agencies within its jurisdiction against any individuals engaged in
non-violent civil rights demonstrations; and
2. A policy of enforcing applicable State and local laws against
physically barring entrance to or exit from a facility or location which
is the subject of such non-violent civil rights demonstrations within
its jurisdiction;
Compliance With Anti -discrimination Laws - - The grant will be conducted and
administered in conformity with title VI of the Civil Rights Act of 1964 (42 USC 2001d),
the Fair Housing Act (42 USC 3601-3619), and implementing regulations.
Compliance with Lead -Based Paint Procedures-- The City of Tamarac's notification,
inspection, testing and abatement procedures concerning lead -based paint will comply
with the requirements of 24 CFR part 35, subparts A, B, J, K and R.
Compliance with Laws -- The City of Tamarac will comply with applicable laws.
Jeffr . Wier
City Manager
Date
3
APPENDIX C
RUBRIC FOR ADDRESSING VACANT PROPERTIES:
Some target neighborhoods with a foreclosure problem would be stabilized by a
reduction in distressed housing stock and selected acquisition and rehabilitation. This is
particularly true in communities that have experienced extended economic decline. The
goal of this factor is to credit communities with a vacancy problem and a strategy on
how to address all of the vacant properties in a target area in order to create stable
healthy communities with a reduction in housing stock.
To receive a score, you must plan demolition or acquisition and rehab of a minimum of
25 currently vacant properties in the identified target areas. If you meet this minimum,
the score is calculated as follows:
(1.5 times (Sum total of vacant properties proposed to be addressed through
acquisition and rehab) + (Sum total of vacant properties to be addressed via
demolition)) divided by (Sum total of all vacant residential properties in target area)
The basic idea is that the greater proportion of vacant units in a neighborhood you
address relative to the number that are vacant the higher your score. But you have to be
addressing a minimum number of units to get any score on this at all. The data for the
denominator may be from the US Postal Service or from locally collected data.
1.5
X 150 (Approximate number of properties to be assisted)
225
+ 0 (Number of properties to be demolished)
225
500 (Average number of REO's in target areas)
Equals 45
APPENDIX D
Citizen Participation
As required by the NOFA, Tamarac carried out its citizen participation activities as
follows:
10 day Public Review Period June 25 — July 8, 2009
A Public Notice advertisement was issued June 24, 2009 and is attached hereto
as Exhibit "5". The NSP2 Application was available for review in City Hall. No
public comment was received during this period.
Public Hearing July 8, 2009
A Public Hearing was held during the July 8, 2009 City Commission meeting at
which the NSP2 Application was approved for submission. No public comment
was received during this period.
A notice was placed on the City's website (www.tamarac.org) during the 10 day public
review period informing interested parties that the application was available for review.
Once the plan is approved, the final application will be available on the website for
public review, as was the NSP1 Action Plan Substantial Amendment. Proof of website
posting is attached hereto as Exhibit "6".
/t\1,�►1�7E��
Definitions:
Blighted Structure
A structure is blighted when it exhibits objectively determinable signs of
deterioration sufficient to constitute a threat to human health, safety, and public
welfare.
Properties identified for demolition will meet one or more of the
following criteria as a blighted structure:
1. Building Deterioration
2. Site Deterioration or site deficiencies
3. Unsanitary and unsafe conditions and incompatible uses
4. Six or more ownership parcels per block
5. Buildings greater than 40 years of age
6. Presence of closed/vacant buildings
7. Presence of vacant lots
8. Buildings in violation of property maintenance code violations
9. Presence of buildings scheduled for demolition
Affordable Rents
Those requiring not more than 30 percent of an income cutoff defined in relation to
Low -Moderate Area Median Income (AMI).
Tamarac is not implementing any rental activity with NSP funds.
Housing Rehabilitation Standards
All housing rehabilitation work will follow Broward County Housing Standards, and
Florida Building Code as well as City Code.
Home Rehabilitation work specifications include such health and safety items as,
roof repair and replacement, repair to exterior walls and stucco, repair or
replacement of unsafe electrical, plumbing and mechanical systems, removal of
lead and asbestos, and installation of impact resistant windows or storm shutters.
All replacement of appliances will incorporate the installation of energy star rated
systems were applicable.
EXHIBITS
EXHIBIT 1
sun-scntinel.cont/news/I oc•al/hroward/stl-tnmurac-housing-h052509,0,7723121 story
South Florida Sun-Sentinel.com
Federal stimulus money allows Tamarac mom to buy
first: home
Lisa J. I furiash
South Florida Sun -Sentinel
May 25, 2009
TAMARAC
Even though she sees the pain of people struggling in this economy, Staci Gullett is
poised to take a leap of faith.
Gullett, 28, who works for the state unemployment office, deals sdl day lung with people
who sob on the telephone as they beg her to push their benefits through.
But she's also seeing firsthand the benefits of a federal giant prgjcct meant to ease the
nation's economic pain by getting distressed houses ull'the nuke[ and giving or lending
people money to spend on them.
Gullett will become one of 13roward's first recipients of the Neighborhood Stabilization
Program, the national housing rescue plan to help cities and suites flip foreclosed homes,
teal them out, or dole out grants to first-time battle buyers. Qn June 19 she's closing (in
her First housing purchase, a two -bedroom with hardwood floors in'1 amaruc.
"All i did was rent," Gullett said. "To buy my own home, it's wonderful. And I'll have it
bath yard."
In Froward and Palm (leach counties, dozens of local governments have been awal'ded a
total of $104 million to turn abandoned, foreclosed properties into occupied, lax -
producing dwellings.
Tamarac has $4.7 million to spend on down -payment assistance in some neighborhoods,
such as I lernhgate-Sunflower, Westwood, Mainlands, Vanguard Village and Concord
Village.
Gullett is it single mother of a 1-year-old daughter, Madison. With a salary "in the 20s" as
a clerk for the state unemployment office, she meets the pregrani s income guidelines.
The house in the Mainlands neighborhood will cost her $133,000. The city, through a
grant, is chipping in $91,300.
Tamarac took in 80 applications for the program before cutting them elf, said Jcrmifor
Brumley, director of community development. The first three homes are expected to close
in June, making Tamarac the first city in Broward to spend the stimulus money,
Credit analyst David Cabrejo's company has announced layoffs. Still, the 23-year-old was
afraid to pass up this chance to own his first home in Tamarac.
"I'm definitely scared, but one man's tragedy is another man's treasure," he said. The city
is chipping in $54,000 for the $138,000 (appraised at $1G5,000) house, provided he lives
there Im 10 years.
"Ilyou have the credit -worthiness to buy, you have to buy even though it's rough times
and nothing is guaranteed," Cabrcjo said. "It's the time to buy."
Lisa I I lu insh can be reached at Ihuriash@smisentinel.com or 954-572.2008.
Copyright (0 2009, South Florida Sun -Sentinel
EXHIBIT 2
Stimulus Money Helps Buy " me - Print This Story News Story - wP' Miami Page I of I
JustNews.com
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Stimulus Money Helps Buy Home
South Florida Cities Accepting Applications From
Homebuyers
POSTED: Tuesday, May 26, 2009
UPDATED: 4:43 am EDT May 27, 2009
TAMARAC, Fla. — Staci Gullett and her daughter Madison will soon own their first home. Thanks to federal
stimulus money, Gullett can now afford to buy a two -bedroom home.
"I am very excited. I couldn't imagine this at all so this Is beyond belief for me," Gullett told Local 10's Todd
Tongen.
"There are anywhere between 400 to 500 foreclosed properties within the city of Tamarac," Tamarac Housing
Administrator Angela Bauldree said.
Tamarac received $4.7 million from the national housing rescue plan and they hope to help 75 to 100 homebuyers
like Gullett.
The home Gullett is buying was purchased in 2006 for $268,000. In just three years, the house has lost over half
its value. Gullett is buying It for just $133,000.
Here's haw it works.
Gullett will get a deferred loan of $91,300, making her mortgage payment more affordable. If she stays in the
home for 30 years, the loan will be forgiven.
What happens if she sells the house?
"They would repay the balance of the loan due at the time they leave. That money goes back into the pot and
helps recycle the program so we can continue to put homebuyers Into foredosured homes," Bauldree said.
As a single mother who works at the state's unemployment agency, Gullett said she realizes what an amazing
opportunity this is and doesn't want to squander it.
"It makes me want to focus and buckle down -- make sure I'm at work on time, make sure everything is in order.
It makes me strive even harder," she said.
Tamarac is no longer taking applications, but some South Florida cities are. Participants must quality by being
able to contribute 35 percent of their income to their housing needs.
If all goes well, Gullett and her daughter hope to be in their new home by the end of June.
Copyright 2009 by Post-Newfweek-5LVc1J8. All rights reserved. This material may not be published, broadcast,
rewritten or redistributed
http://www.justnews.cont/ptint/19571454/detail.htmi 5/27/2009
EXHIBIT 3
CITY OF TAMARAC
Special Conditions
Neighborhood Stabilization Program Grant Agreement
The City of Tamarac is confident that its Housing Division has the capacity to
administer the Neighborhood Stabilization Program. Upon notice that the City would
be receiving $4.7 million in NSP funds, the City Manager and City Commission
approved the addition of two full-time temporary Grant Coordinators. The two
positions are 24 month temporary positions to be funded by the NSP program for the
duties associated with the activities contained in Tamarac's NSP Action Plan
Amendment. These positions have the option to extend the employment time period
should the need still exist at the end of the 24 months. Prior to hiring the Grant
Coordinators, the City did an informal solicitation from outside agencies interested in
administering Tamarac's NSP program. Three proposals were received and the
cost difference was minimal. The overwhelming reason behind the City's decision to
administer the program in-house was administrative control. Tamarac's Housing
programs has come a long way to ensure accuracy, timeliness, efficiency, as well as
directly serving its customers with the very best level of customer service and
strongly desired maintaining that reliability.
The activities approved in Tamarac's NSP Action Plan Amendment are currently
carried out in-house with existing federal and state grant funds and two regular full-
time employees. All staff has been fully trained and has the experience to administer
these programs with the upmost efficiency and ability to adequately service the
demand. The Housing Division now consists of the following positions: Housing
Administrator, Housing coordinator, and 2 temporary Grant Coordinators. The two
grant coordinators are 100% dedicated to processing NSP applicant applications.
The regular housing staff; Housing Coordinator and Housing Administrator, will
process invoices, order work specifications for rehabilitation, deal with general
contractors, complete DRGR requirements and prepare reports.
Funds allocated by the NSP program will assist approximately 70-100 households in
a two tier activity option, purchase assistance with an additional option to receive
home rehabilitation assistance should the property purchased contain health, safety
and/or code related deficiencies.
The following list consists of all other employees that will be working on various
aspects of the Neighborhood Stabilization Program activities:
Community Development Department
Jennifer Bramley, Director
Angela Bauldree, Housing Administrator
Latoya James, Housing Coordinator
Marie Thompson, Grant Coordinator
Marcia Oban, Grant Coordinator
City Attorney's Office
Sam Goren, City Attorney
David Tolces, City Attorney
Jacob Horowitz, City Attorney
DJ Doody, City Attorney
Julie Klar, City Attorney
Financial Services -Accounting
Rick Spencer, Accounting Supervisor
Christine Cajuste, Controller
Financial Services — Purchasing
Keith Glatz, Purchasing/Contracts Manager
Steven Beamsderfer, Buyer
Jim Nicotra, Senior Procurement Specialist
Building Department
Claudio Grande, Building Official
Ken McIntyre, Building Operations Manager
Rick Anderson, Chief Structural Inspector
Stanley Celenski, Structural Inspector
Ed Gastwirth, Structural Inspector
Mort Mallon, Structural Inspector
Clarence Martinie, Chief Mechanical Inspector
Rick Pagliughi, Structural Inspector
Bill Pendegar, Chief Plumbing Inspector
Pat Richardson, Chief Electrical inspector
In addition to City staff, the following contractors will be involved in NSP related
activities, mainly with regard to the Home Rehabilitation activity:
Housing Foundation of America
HUD approved counseling agency for 8-hour Pre -Purchase Counseling
Specialty Builders, Consultant General Contractor
Prepares work specifications for home rehabilitation applicants.
Housing and Assistive Technology
Prepares work specifications for home rehabilitation applicants with
disabilities.
CHMM, Inc,
Lead based paint testing company
Richard Calay,
Appraiser, HOME/CDBG
Rehabilitation Contractors
Access Builders
Conner Industries
Delmar Construction
East Coast Contractors
James Joyce Construction
Linear Construction
Reyes Group General Construction
Solid Builders
Tommie Butts Jr. Enterprises
Twenty Second Century Roofing
Whyte -Way Construction
EXHIBIT 4
U.S. Department of Housing and Urban Development
Region IV, Miami Field Office
Brickell Plaza Federal Building
909 SE First Avenue, Rm. 500
Miami, FL 33131-3042
May 14, 2009
Ms. Angela Bauldree
Housing Administrator
Community Development Department
7525 N.W.88° Avenue
City of Tamarac, FL 33321-2401
SUBJECT: Neighborhood Stabilization Program (NSP)
Special Conditions
Dear Ms. Bauldree:
This is in response to the City's letter addressing the Special Conditions imposed as pats of
the Neighborhood Stabilization Program (NSP) grant funds allocated to the City of
After reviewing the documentation submitted by the City, our office has made the following
determinations:
Condition 1: The City received three times its FY 2008 CDBG allocation. HUD has
determined that any grantee receiving NSP funding in excess of three times its FY 2008
CDBG allocation is at high risk that its management system is inadequate to administer
these funds. Since your NSP Grant Amount is greater than three times your jurisdiction's
FY 2008 CDBG allocation, the NSP Grant Agreement contains special condition requiring
information to be submitted demonstrating the adequacy of staff and other resources to
administer the NSP Grant.
A review of the City's Management Plan disclosed that the City (has recently restructured
the housing department by increasing their staff to five (5) with two (2) temporary fill time
employees which appears to ensure that adequate staff is in place. The City is has identified the
other departments it will interact with during the implementation of the NSP grant. Additionally,
your plan identifies the rehabilitation contractors that you may call on to perform necessary
rehabilitation. Based on this information the City's Special Conditions have been met.
Please note that the City's quarterly report is due on July 30, 2009, and the City should have
projects set-up in the Disaster Recovery Grant Reporting (DRGR) system.
www.hud.cov cvparxd.hud.gov
The Department is pleased to have this opportunity to work with your jurisdiction through
the Neighborhood Stabilization Program and we are available to assist with your implementation of
the program. If you have any questions pertaining to this or any other NSP related issues please
contact Ronald M. Muscarella, Senior CPD Representative at 305-520- 5014 or email at
Ronald.m.muscarella@HUD COM
Sincere] ,
aria Rosa. Ortiz -Hill, Director
Community Planning and
Development Division
EXHIBIT 5
PUBLIC NOTICE
CITY OF TAMARAC
For
Emergency Assistance for Redevelopment of Abandoned
and Foreclosed Homes Grantees Under the
American Recovery and Reinvestment Act, 2009
Neighborhood Stabilization Program 2 (NSP2)
You are hereby notified that the City of Tamarac is applying for Emergency
Assistance for Redevelopment of Abandoned and Foreclosed Homes
Under the American Recovery and Reinvestment Act, 2009 funding in the
amount of $10,000,000 from the United States Department of Housing and
Urban Development. This funding will be allocated to assist homebuyers
with the purchase and rehabilitation of foreclosed upon residential
properties. A 10-day public review period of the NSP2 Application will
begin June 25, 2009 and end July 8, 2009. This document will also be
available on the City's website www.tamarac.org during the 10 day public
review period. The City of Tamarac will hold a Public Hearing on
Wednesday, July 8, 2009, 7:00 p.m. at City Hall, 7525 NW 88 Avenue,
Tamarac, FL 33321. The City will submit its NSP2 Application by July 17,
2009.
The City of Tamarac complies with the provisions of the Americans with
Disabilities Act. If you are a disabled person requiring any
accommodations or assistance, please notify the City of such need at least
72 hours (3 days) in advance.
EXHIBIT 6
City of Tamarac
Welcome City Government City DepaiVoami Employment Opportunities Online Semees Businesses Other Links
"[Search Tamarac
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WHAT'S NEW
• SLIDE SHOW: Tamarads Fathers Day
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June 22, 2009
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June 22, 2009
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Mosquitoes June 19, 2009
XNeighboorhood Stablllnllon Program 2 Grant
Application is available for Public Review on City Hall
Room 106.
Our Vision
Community Development Block Grant(COBG)
The City of Tamarac.
Recovery Substantial Action Plan Amendment:
Our Community of Choice -
Click here to download information (PDF)
Leading the Nation in
Quality of Life Through Safe
Neighborhood Stabiliution Program:
Neighborhoods, a Vibrant
Click here for more information.
Economy, Exceptional
Customer Service, and
Recognized Excellence
Mission
Our 'Committed
We are ' a to
SPECIAL EVENTS
Excellence_.Aiways"
fins ourjob to foster and
create an environment that:
Responds to Customers
July 4th All -American
Creates and innovates
Works as a Team
Celebration!
Achieves Results
Makes a Difference
Join the City of Tamarac
Our Values
Saturday, July 4, 2001
As stewards of the
',
6:00 - 930 pmat
public trust, we value
the
Tamarac Sports Complex
Vision
Integrity
(9901 NW 77 Street)
Efficency
Quality y Service
e
Enjoy FREE live music, games and activifies, a wsil
from Uncle Sam and Betsy Ross and an amazing
fireworks display! Continuous round-trip shuttle
transportation Is available from 5:30 until 8:30pm and
following the fireworks from City Hall and the
Community Center. "Rain Date'. 07-05-09
Call Tamarac Parks and Recreation more
information,(954) 597-3620.
CLICK HERE to download the event Byer.
http://www.tamarac.org/
Page I of 2
City Commission Meting Agendas
2009 State of the City
Text Version 6 Audio Version
HURRICANE
PREPAREDNESS
PREPARE AND BE AWARE
Important lips on preparedness
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dui FLOODSMART.GOV
Ins clMa! cx »I ;h+tinJand lr.: i !rexa+rn hop:m
6/26/2009
Appendix 3 - Application Checklists and Aids
(Removing Negative Elements Rubric)
a. Application Forms: (Not subject to the page limitations.)
✓ SF-424, Application for Federal Assistance (signed by the Authorized Organization
Representative (AOR) who is legally authorized to submit the application on behalf of the
applicant
`5'-`- SF-424 Supplement, Survey on Ensuring Equal Opportunities for Applicant ("Faith Based
EEO
Survey (SF-424-SUPP)"
ZY1 NSP2 Non-profit Organization Qualification-- Narrative describing qualification as an
eligible applicant and Evidence of Nonprofit or and Tax Exempt Status (in accordance with this
NOFA).
`-A Consortium Agreement, if applicable.
*91
Program Summary
b. Narrative Statements Addressing: (Subject to the page limitations described above
fFactor I - Need and Market Conditions
Ph#", Factor 2 - Demonstrated Capacity
**Factor 3 - Soundness of Approach
AloMactor 4 - Leveraging, integration, removal of negative effects
*)-IFactor 5 - Energy efficiency
��a9Factor 6- Neighborhood transformation and economic opportunity
c. Disclosures: (Not subject to the page limitations.)
/0 SF-LLL, Disclosure of Lobbying Activities, as applicable.
HUD-2880, Applicant/Recipient Disclosure/Update Report. ("HUD Applicant Recipient
Disclosure Report")
d. Appendices: (Not subject to the page limitations.)
A copy of your code of conduct.
Leveraging documentation —firm commitment letters. (See factor 4.)
/J Signed Certifications. (See Appendix IV for the relevant certifications.)
Calculation of removal of negative effects using HUD provided rubric
1n Summary of citizen comments including URL where plan is posted
Ay Documentation of firm commitment executed and dated by each for -profit partner
Other information should not be submitted and will not be considered in scoring the application.