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Home My WebLink AboutReso 1979-9815 RESOLUTION NO. 9815 RESOLUTION OF THE CITY COUNCIL OF THE CITY OF CHULA VISTA APPROVING THE SUBMITTAL OF APPLICATION TO THE DEPARTMENT OF HOUSING AND COMMUNITY DEVELOPMENT FOR PARTICIPATION IN THE DEFERRED PAYMENT REHABILITATION LOAN PROGRAM The City Council of the City of Chula Vista does hereby resolve as follows: WHEREAS, the Department af Housing and Community Development is requesting applications for its Deferred Payment Rehabilitation Loan Program; and, WHEREAS, the program will benefit low and moderate-income persons; and, ~VHEREAS, the City of Chula Vista is desirous to assist in the provision of affordable, decent and safe housing; and, WHEREAS, the City of Chula Vista is eligible to apply. NOW, THEREFORE BE IT RESOLVED that the City Council of the City of Chula Vista hereby approves the submittal of an appli- cation to the Department of Housing and Community Development for participation in the Deferred Payment Rehabilitation Loan Program. IY~/ ~~;?~ Geonfe D. Approved as to form by /----\ /~ /) I. y \>~~ /(' /\~--y ~ L::~ber~~ Ci:Y At rney ADOPTED AND APPROVED BY THE CITY COUNCIL OF THE CITY OF CHlLA VISTA, CALIFORNIA, this 16th 197. 9 . by the following vote, to-wit: day of October AYES: NAYES: ABSTAI N: ABSENT: Councilmen Scott. Gi11ow, Cox, McCand1iss Councilmen None Coc.rIcilmen None Councilmen Hyde &J~--r(~ Mayor of the City of Chula Vista STATE OF CALIFORNIA ) COUNTY OF SAN DIEGO ) S s. CITY OF CHULA VISTA ) I, JENNIE M. FULASZ, CMC, CITY CLERK of the City of Chulo Vista, California, DO HEREBY CERTIFY that the above and foregoing is a full, true and correct copy of RESOLUTION NO. 9815 ,and that the some has not been amended or repealed. DATED ( seal) City Clerk ,/ q~\S CC-660 '. ~ California Department of Housing and Community Development Deferred-Pavment Rehabilitation Proqram - APPLICATION - DHCD/DPRP-l Application Number Date Received DHCD Use Only 1 . GENERAL Official Name of Local Agency: City of Chula Vis~a Address: 276 Fourth' Street. Chul a Vi sta t Street City San Diego (ounty CA S ta te 92010 ZIP Contact Person: Allen Pritzlaff Phone (71~ 575-5047 2. LOAN REQUEST Total 58 966 Loan Funds Requested: Estimated Amount of Other Funds to be Used with S8 966 funds: $ 64 ,000 $ 2, 500 ,000 Source of Other Funds: Community Development Block Grants Home Ownership and Home Improvement Loan Program 3. CERTIFICATION AND EXECUTION I hereby certify that the statements, facts. and information contained in this application and the documents and attachments submitted herewith are true and correct to the best of my knowledge and belief. October 18, 1979 DATE By (Authorized Signature) Mayor of the City of Chula Vista TITLE Wfr8A-::f ~ / q'fs I tJ I T. ..".. ,.. ~. :. T. ," . ., ....,.\.'Y~ '. ,'. ~ I;~~:.~i ~<.., . ..:. '. Of ,.,. ... .. ~ . ~ . " ~. 'I .', ,S) ~ .--.. ~ \ , " CHFA CONCE:\HRATED PEfL~BILITATION ARE.~S (CENSUS TRACTS 124.01, 124.02, 125, 126 and 127) ~(:"\ , :J..:::'-"C-""'::'~'~~'-f...~J~=}21 . _.;~.~~. i. trr~l)'{ ~' ~ ,,~~J.,.r"""':1 11 ~;:---.J-"\\ .,<=>_11 j ~... ...'..' ..' ~"..,:;:;~. ..,"',i"\O .........'~. .:. . f<( , , . ...j '~'116 __ ,._1~ /., _ . ; :._..~ \. Ii '.- .:r- ;~_. ....J.' '. - .-.,~, -.jJ.--.;._," ---I __,..,..H'jl I '\ ,:-, .. . ---.<."..:.,~.:, 24,01 t\. ...,,,::~~\, ~""" · 'I ....:....J .I",,-c.-=c -'.' ., ' . - . ri".,.". I . l.: . - "'-. '1'1' ~~.~. b \~:. '~~:J':':" .=-- ""......----"'--............,....;.-~-- rH . i . /' .~ - t ,) \1 :\:' . ..~d~~ "..~"="::;:.:..~~~~(:".:; ...~__.~,_"L.-_:__ I _ ~ --", '.' -!:;r.._.....~ ,_. , .....w.. .:'. . 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I ....~~:r\. ;-'-~ j I r="-=\-=i .t:~' . ~ .....u. '~'c~l._..:.d' ~~.. '~":"....J 'I .~-.:-::::-r~~l: .....:0:.'.,' 1';:~~_= .J;:....m....::.:r-=:l} . J . ::. \ ! - ..1;. (.ril.....-e.=.-rw- ' . ' I 'I. \> \.._..:-:--....::,J.....-.::-- 'r t:....\ :'-"'111 ~.-, ' &ItUo:.;.::..rcr:~. - i~~-:.f:"u"'~7\.r tfr:f-v~;.~, \ T_.:i~"-~~;: i',..41~4"6~." .:::., ) jl ~. ...,..,1..;, -', :::-..a.::;_t(1_r,\".; i d; :.r .4'<~" ~;: , tIE IGIiBORHOOO STRATEGY AREA -I;c'qj'jl'-"--':---"""~" ~"c.l-;;"~r'lL1:.~-:':C'-;--':':=' .....: !~ . ,-.. "td \....1: ...... ! j i 1" '-' .' . 1I...,i[; 1~1'.L.:l d. 11, . i. I ~ o;p.~: "!' . '~ .~-.... ~ i ~ , l ii, " ~ I ' ~ II ~ .129 : '':'''-''1 r. \, ',.' ~ ~.. , ( r " 'I.': ;..'.:"'''~ ,,' .....;..l... ......1. ~ .."'-.~';.-""I'. I. 1;130 '#>0. ',.. \ ,-,.' .1 \! 'I _.... I..'....:; .'T '-::'J 1 't'. ...........4 ...an-.", "~~':~':. J r-. .4- " I , ""'"1 " I!_ h ,"~- ."~ I ~ ~" '.: .'-- ~.- -', "-'~<;.>.~' , .-. - ~'I J : I, II I :'..-.:_. fl't~,.-..-.l---..~ ,.-..-. ..,............, '( "'~' \'" ,'\ -.~', .'._....f.~~-...r; .'1 .': I.''':'' ,..~.-._~~~-~"."",,~ '.1 hI!. .-. -. ; I ......... ;. :':- . '~". 125 I ". I~ Iii I } 11 " , .":. .~' !.' ~ "~~! I " I. I " . i I ~ ! J i I.. r 'i I 1 !---~ -r F[I,S1fR SCHOOL tlEIGHbORhOOO STH';1EGY AREA . I ~ I ~".'~~"";"'':'" ..~ ,'~,s~'-;""J"<:,'!"'''J'l!!uJT'i:}..,.r.r~i:-~'':'''' ;'~~"'L~! \ . ! ~ MUf.LLER SCHoaL IIEIGHBGRHOCO STRATEGY AREA " (wru: .::..._...... . '1 " .1 . : ..:.toa.!:.~. ;'Y"1r E ~ i Lr ; ~ _ .: .J: _ fL_ - .~ . i -.( .~ ~ ~,~J q '. ' . . I ::. ' .j ~~-- 1 '( . ~. .'....~" Hi' ,1 ~ ~.: : :-. -..,,:.- .- . ;' , , ;{'J i . " I ! ~ i /;,.... ~ ~ .. \ I,~ I rl,""V c':"'L-,~ ,\ :. L ...... . "~ I :,-j 1 ~. i ~ I ' .\ ' ,. ,..:i_.I.'J ~ I,' ': 4 ___. I I . ,... ....:....I!'- ".:"':.....,.:;..~...-.'.;::.;::.it1'J"...".~9.....\..'r"t!',...[,.'41'!!:.'1. ,--, ;I..'r.....~...'\ .....~.~"'t"'! ... ....,.__... ......A.. ," _ .......R.'_... ,,1.Jr., '~";:""'f(-.o... 'I '... .--- I 1 I b,;.' 126 J -~i =:. ~ ! 1 ! I I i I I 1~ "' , I . j VISTA SQUARE l, .... ..~.. PROGRAM SUMMARY DESCRIPTION OF FUND UTILIZATION AREAS Chula Vista is the second largest city in San Diego County with an esti- mated 1978 population of 79,700. Figures from the 1975 State Special Census show that 40.7 percent of the City's households are below 80% of the median income. The Census also revealed that 52% of the City's substandard housing units are located in the western sections of town. This combination of low and moderate-income persons and substandard housing has resulted in the desig- nation and implementation of a Neighborhood Revitalization Program utilizing Community Development Block Grant and private sector funds. Feaster School Neighborhood The Feaster School Neighborhood consists of census tracts 124.01, 124.02, 125.00 and has a lower income population of 59.2%, 60.2%, and 69.8% re- spectively. Minority population groups consist primarily of Latinos (9.6%) and Asian-Americans (1.3%). Feaster School Neighborhood also has a high number of substandard housing units as identified by the 1970 and 1975 census. Unique to this neighborhood is a significant concentration of deteriorating mobile homes inhabited by lower income persons. Permanently occupied mobile home spaces total 1,211, with the greatest concentration (87%) located in census tract 125.00. The Feaster Neighborhood's percent- age of home ownership has declined to 17%. Mueller School Neighborhood The Mueller School Neighborhood consisting of census tract 126.00 has a low and moderate-income population of 52.6%. Mueller Neighborhood's pri- mary minority population is Latino at 14%. This census tract also has been ranked second among th~ high poverty-rated tracts in the City. Exist- housing stock including mobile homes~has shown gradual deterioration and a number of substandard units are evident. Home ownership has declined in the Mueller Neighborhood from 38.8% in 1970 to 30.6% in 1977. Vista Square Neighborhood The Vista Square Neighborhood, encompassing all of census tract 127.00, is composed of a population which is 62% low and moderate-income. Major minor- ity population within the census tract consists of 9.4% Latino and 1.3% Asian-American. This neighborhood also contains a significant amount of substandard housing units, based on both the 1970 and 1975 census. Home ownership in this neighborhood has declined since 1970 from 23.3% to 19.8% in 1977. OTHER FUNDS AVAILABLE Chula Vista's overall strat~gy for Neighborhood Preservation is designed as a cooperative effort between the public and private sectors. The strategy includes a concentrated and comprehensive program of physical development and housing activities. Central to the preservation effort is a housing program that includes housing rehabilitation, Section 8 assistance, and low-rent family public housing. q~IC;~ -2- Block Grant Funds Utilizing $300,000 in Block Grant funds, the Housing Rehabilitation Pro- gram offers low-interest loans of 3% and 7% to persons residing in the neighborhoods. Lower income persons will receive the 3% interest rate with elderly and disabled persons also eligible for a deferred payment loan. To maximize Block Grant funds, the City has secured an interest subsidy loan agreement with a local financial institution. Under this program, Block Grant funds will leverage private sector funds at a 2:1 or 4:1 ratio depending on the interest rate. Section 8 Existing with Moderate Rehabilitation The City's Housing Survey of Housing Conditions in designated NSA's identified over 100 rental units that are in need of rehabilitation. These units are the prime objective of the Section 8/Rehabilitation Program. As a member of the County's Housing Authority, Chula Vista requires the Authority's participation to operate this program. Home Ownership and Home Improvement Loan Program (HOHI) This program administered by the California Housing Finance Agency (CHFA) will be implemented during fiscal year 1979-80. An amount of $2,200,000 is expected, in addition to a $220,000 set-aside amount. UTILIZATION OF DEFERRED PAYMENT FUND Utilization of the Deferred Payment Rehabilitation Loan Fund for senior owner-occupants will be coordinated with an existing program directed to this group using Block Grant funds. It is anticipated that the Deferred Payment Fund will be used primarily for those who already meet or exceed their ability to afford housing at the present time. Therefore, approximatefy three persons in this category will qual ify at an average of $8,000 per loan. < Non-seni or owner-occupants wi 11 also be referred to th is program. It is estimated that three persons will qualify for these funds at an average loan value of $8,000. Non-occupant owners constitute a large percentage of the units needing rehabilitation in the areas in question. Experience indicates that two units will request and be qualified at an average of $8,000 per unit. Summary of Needed Funds Un its Loan Amount Senior Owner-occupied Non-senior Owner-occupied Non-occupant Owners 3 3 2 $8,000 8,000 8,000 $24,000 24,000 16,000 $64,000 .-' q~l<j NEIGHBORHOOD DATA FORM (Complete One Form For Each Neighborhood Where S8 966 Funds Would 8e Used) Aoplicant City of Chula Vista Population (city or county) 79,700 Name or Number of Neighborhood Mue 11 er School CHFA Concentrated Rehabilitation Area Yes Marks -Foran Area No Other Areas -------------- ( i nd i ca te type) ~eighborhood Poculation 4,175 (1972) Total Dwelling Units (D.U.) - From Housing Assistance Plan (HAP) Estimated Average Rehab Cost Per Deteriorated Unit 1 ,493 150 10% 5,000 457 ( 30. B") 1.036 (69.~; <:: 10, 133 (1970) ... $ 8,880 (1970) Number of Deteriorated Units Percent of Deteriorated Units Owner Occupancy (~umber and Dercent of total) Renter Occucancy (Number and percent of total) Family ~edian Income for County (1970, or later if available) Family Median Income Distribution for this Neighborhood (1970, or later if available) - Neighborhood Population Breakdown By Income: Very Low (under 50% or median) 919 ( 22 'n 960 ( 23 '" I 1 ,253 ( 30 ~") L (C; 101 "001 ~ , . ) ow ~ .o-() '0 or me']l an Moderate (81~-120: of median) E t h n i c i-1; x i.ihi te 82.8 1.4 01 ,,' Spanish Surname 14.0 Of o Black " o Asian 1.2 01 o Other 0.6 " - ...- q~l r; NEIGHBORHOOD DATA FORM (Complete One Form For Each Neighborhood Where S8 966 Funds Would Be Used) Applicant Population (city or coun ty) 79,700 City of Chula Vista Name or Number of Neighborhood Vista Square (census tract 127.00) CHFA Concentrated Rehabilitation Area Yes Marks -Foran Area Other Areas -------------- (indicate type) ~eighborhood PODulation 3.185 (197 ~) Total Dwelling Unit? (D.U.) - From Housing Assistance Plan (HAP) Number of Deteriorated Units Percent of Deteriorated Units Estimated Average Rehab Cost Per Deteriorated Unit Owner Occuoancy (Number and percent of total) Renter Occupancy (Number and percent of total) Family Median Income for County (1970, or later if available) Family Median Income Distribution for this Neighborhood (1970. or later if available) Neighborhood Poculation Breakdown By Income: Very Low (under 50% of median) Low (51~-80% of median) ModerJte (81%-120% of median) Ethni c :-1; x I.lhi te 88.0 1.1 " 1 Soanish Surname 9.4 Slack " .0 Asian 1.3 1/ o Other -- qrJ; No 1 ,650 165 10% 5,000 327 ( 19. 8% 1323 (80.2% S 10, 133 (1970) $ 8,652 (1970) 669 ( 21 '~) 764 ( 24'~) 924 ( 29'~) 1/ o 0.2 11 1 NEIGHBORHOOD DATA FORM (Complete One Form For Each Neighborhood Where 58 966 Funds Would Be Used) Applicant City of Chula Vista Population (c ity or coun ty) 79,700 Name or Number of Neighborhood Feaster School CHFA Concentrated Rehabilitation Area Yes Marks -Foran Area No Other Areas ------------- (indicate type) ~eighborhood Population 11 ,536 (197 ~) Total Dwelling Units (D.U.) - From Housing Assistance Plan (HAP) Renter Occupancy (Number and oercent of total) 5,796 580 10% 5,000 985 ( 17:~) 4 ,811 ( 83:~) $ 10,133 (1970) $ 7,500 (1970 Number of Deteriorated Units Percent of Deteriorated Units Estimated Average Rehab Cost Per Deteriorated Unit Owner Occuoancy (Number and percent of total) Family ~edian Income for County (1970, or later if avaiiable) Family Median Income Distribution for this Neighborhood (1970, or later if available) ~ Neighborhood Population Breakdown 3y Income: Very Low (under 50% of median) 3,115 ( 27 '~) 3,230 ( 28'~ I 2,884 ( 25'~) Low (5l~-80~ of median) Moderate (81%-120% of median) Ethnic ~1ix !tlhi te 86.2 J/ J S 1 ad 1.9 ?/ 'J Soanish Surname 9.6 JI o Asian 1.3 J/ o Other 1.0 ," J q~\S REHABILITATION PROGRESS FORM A. Loans/Grants Committed Total Proara~ To Date :'Iumber Number F;I 78-79 l. Total BmR Loans 37 Total Funds $ 386,854 2. Total Deferred Loans 15 Total Funds S 98 , 503 3. Total Grants _32--Total Funds S 3],390 4. Other Total Funds S TOTAL ALL LOANS! TOTAL ALL GR.ANTS 84 FUNDS $ 516,745 15 3 3 $219,690 S 37,265 S 2.755 S 21 $259,710 8. Units Rehaboed (over 52,SOO/unit) l. No. of Units Prooosed for Rehabilitation: FY 77-78 19 FY 78-79 28 FY 79-80 55 2. ~Jo . of Units Rehabbed (comoleted) : FY 77-78 18 FY 78-79 28 3. No. of Units Rehabbed by Tenure: a. :-10. of Owner-Occuoied: FY 77-78-1L.JY 78-79_Jl_Proposed FY 79-80 35 b. No. of Rental Units: FY 77-78 8 FY 78-79 17 !roposed FY 79-80 20 4. Percent OT Rehabilitation Prooosed to Rehabilitation Completed? FY 77-78 100 ~ FY 78-79 100 % Proposed FY 79-80 100;~ C. Housenolds 3ene-ritina r-fOfTl RenaOlllta:lon ?rograms ProDosea FY 77-78 FY 78-79 . FY 79-80 l. No. of Very Low Income C:::OOI or less of ,"1ed i an) 4 8 18 --- ., 2. :'10. of LC'd- Income (bet\'/een -"""CI & 80;,~ of r1edian) 5 1 7 :'UiO . 3. \10. of "'~ccera t2- I nccme (bet~'leen 80;,~ & 120o~. of :~edian) 4 7 12 4. Above 120;~ of r'1edian 1 1 3 TOTAL t10USE:-iOLDS i~SSISiED 14 17 4.0 J. Rent Limitation ProDosea FY 77-78 FY 78-79 FY 79-80 l. No. of Properties ~~here Section 8 Used: --.0__ 0 3 2. No. of Units: 0 0 10 3. :Jo. or Prooer-:ies ',.Ihere Rent Limitations Agree:,]ents Used '.-li thout Section 3 3 8 12 J 'Jo. or Un it.:;: 13 23 40 ccmi'1DTS :I1A7 ''';IL~ ~Ei..? UPL.:'.I:J Am OF :H::;;80VE: ~se se~arate Sheet of oaDer, if necessary) q~Js SUMMARY OF EXISTING FINANCIAL ASSISTANCE FORM: - I CHFA Available In All Areas I Where S8 966 Funds Are I Yes Yes Yes Yes (CHFA) IT i t 1 e I To Be Used? (Yes or No) I I i I Operational? I Yes Yes Yes No No jYes or No) I November If Not Operational, -------- -------- -------- Oc tober, 1979 1979 Planned Date of Imolementation Determined byi Determined byl $1,000 I Variable I $15,000 Maximum Loan/ I Grant Amount Loan Committe~Loan Committe Eliqibie Owners E1 der1y and ~ E1 derly and l Handicapped Handicapped Both Both (owner/occupant Both Owner/occupan Owner/occupan rentals or both) AJlluunts Of Funds By ! Source(s): CDBG: :;>300,000 (1 ) 312: CHFA: $2,200,000 (2) I r~arks/Foran: I Other: Set-aside CHFA $220,000 (2 ) I I .. Total Rehab Loan/Grant Budget (July 1, 1979 - $300,000 $2,200,000 $220,aOO June 30,1980) Be 1 ow-~la rke t Interest Rate Deferred Loans (BMIR) Loans Grants Refinancing Funds Other COMf;1ENTS: (1) This amount is for BMIR, Deferred Loans, and Grants together. (2) An undetermined amount of this fund will be utilized for rehabilitation throuqh the HOHI proqram. q~J5- PROGRAN INFORr~ATION Use of Other Funding An amount of $300,000 of Community Development Block Grant (CDBG) funds are budgeted for 1979-80 for rehabilitation and refinancing. This is being used for a combination of BMIR loans, deferred loans to senior citizens and grants. The CHFA Home Ownership and Home Improvement Loa Program is also in progress and has been allocated $2,200,000 with an additional set aside of $220,000. 5B966 funds will supplement and enhance the HOHI program by its use of deferred loans. Continuance of Present Financing The City of Chula Vista will continue the existing funding sources for rehabilitation at the current level if 5B966 funds are received. Abil ity to Lend Chula Vista has the administration, organization and experience to lend $64,000 in SB966 funds in a one year period. An outreach program and a code enforcement program are already functioning as are several neighborhood councils. It is proposed that an agreement would be reached with a lending institution to process the loan documents, perform credit checks and make collections at the termination of the loan. City staff would advertise and inform citizens of the program, package deferred loans with other loan programs, moni tor the res ul ts, and maintain communications with HCD. Units to Benefit ~ The following chart shows the number of units of various types expected to benefit by income categories. Owner-occupied 2 3 1 6 Ren ter-occupi ed 2 0 0 2 I To ta 1 I 4 3 1 8 Very Low Income Low Income r~odera te Income To ta 1 Housing Element and Assistance Plan Chula Vista has adopted a Housing Element that is in substantial compliance with State guidelines and is moving toward the complete implementation of the element. 5B966 funds will help meet an objective of that element to provide adequate housing for low and moderate-income residents. It will also help meet the objective of 390 units, owned and rented, for lower income households as described in the Housing Assistance Plan for 1979-80. 98ft? - -2- Need for Funds The City of Chula Vista is now actively involved in housing rehabilitation. 5B966 funds will enable the City to expand its efforts in this area, both in quality and quantity. - qC615- 10/19/79 10/22/79-11/2/79 11 /8/79-11 /16/79 11/19/79-12/31/79 1/1/80-1/31/80 1/1/80-3/31/80 4/1 /80- 6/30/ 80 7/1/80-9/30/80 10/1/80-12/31/80 q~/5 SCHEDULE OF ACTIVITIES Proposal due at H.C.D. H.C.D. Staff Review Decision of Loan Committee Notification of City Contract signed between City and State Agreement signed with Bank for Services First Loan Processed $16,000 in Loans Processed $16,000 in Loans Processed $16,000 in Loans Processed $16,000 in Loans Processed PERSONNEL AND QUALIFICATION The staff of the Community Development Department will be responsible for the Deferred Loan Program. This staff consists of a Director, three profes- sional positions, and two technical workers. Those who will be directly connected with SB966 funds are as follows: Paul Desrochers, Community Development Director, is responsible for all development and rehabilitation activities in the City. Allen Pritzlaff, Administrative Analyst II, will coordinate the SB966 program and maintain liaison with HCD. Tony Ciotti, Housing Rehabil itation Counselor, will develop program participation and package loans. Joan Boggs, Housing Inspector, is responsible for code enforcement in the Concentrated Rehabilitation Areas. ..- 1'~r5