FORECLOSURE PREVENTION PROGRAM (FPP)
ROUND 5 GRANT APPLICATION DUE ON JANUARY 5, 2018 3:00 P.M. CST Submit completed application and attachments electronically to
[email protected]
For questions and comments please contact
[email protected]
FORECLOSURE PREVENTION PROGRAM (FPP) ROUND 5 GRANT APPLICATION TABLE OF CONTENTS Application Guide …………………………………………………................................. 1 Program Overview………………………………………................................................ Purpose of Grant………………………………………..……………………............................ Eligibility…………………………………………………...................................................... Eligible Grant Activities…………………………...................................................... Funding…………………………………………………........................................................ Scoring…………………………………………………......................................................... Application Fee……………………………….............................................................. Application……………………………….....................................................................
1 1 1 1 1 2 2 2
Round 5 Grant Application ………………………………………………….................... 3 Applicant Information ………………………………………........................................... Experiential Information ………………………………………....................................... Grant Request Information ………………………………………................................... Scoring Category 1: Organization Capacity ……………..................................... Scoring Category 2: Program Need and Demand ……………………................... Scoring Category 3: Team Capacity and Experience …................................. Scoring Category 4: Proposed Plan …………………………..……..........................
3 4 4 5 8 9 10
Audit Information ………………………............................................................. i Exhibit Checklist ………………………................................................................ ii Standard Requirements and Certifications ………………………..................... iii
Round 5 Application Foreclosure Prevention Program
Table of Contents
APPLICATION GUIDE PROGRAM OVERVIEW In 2010, the Illinois Legislature passed Senate Bill 3739 (Public Act 096‐1419) which allowed for the creation of a statewide Foreclosure Prevention Program. The funding comes through a $50 fee for plaintiffs filing a foreclosure complaint, which goes toward funding foreclosure prevention efforts.
PURPOSE OF GRANT This Grant Application is to set forth the standards for the distribution of funds by the Illinois Housing Development Authority under Section 7.30 of the Save Our Neighborhood Act of 2010 (20 ILCS 3805/7.30) for the purpose of making grants to HUD‐approved housing counseling agencies to assist in approved housing counseling activities and community based organizations for foreclosure prevention outreach programs.
ELIGIBILITY
Housing counseling agencies are eligible for funding if HUD, as set forth in the HUD Handbook 7610.1 REV‐4, has certified them as a housing counseling agency prior to their application for Program funding. Agency must be in good standing. The counseling agencies must agree to the terms and conditions of the Program.
Non‐profit community based organizations are eligible if they can document evidence of non‐profit status, are currently in good standing, and currently provide education about the foreclosure process and options to residents through in-person contact and can document such. The community based organization must agree to the terms and conditions of the Program.
ELIGIBLE GRANT ACTIVITIES This program is meant to supplement your current activities. It is very general and meant to assist in providing additional funds for housing counseling and foreclosure prevention work. Please view this funding as capacity building that increases an agency's capacity to provide housing counseling. Additionally, all counseling performed under this grant should be free of charge to all clients. Eligible activities include: computer and equipment expenses; general operational expenses; pre- and post‐purchase home ownership counseling; foreclosure education; counselor training; training of other agency employees; capacity building that increases the agency’s ability to provide foreclosure prevention outreach programs and housing counseling; technical assistance; advertising and marketing of the Program; and any other housing counseling activities including technical assistance. Technical assistance, computer and equipment purchases, as well as general operational expenses (excluding salary and benefits) will be limited to 10% of the budget. All agencies are required to spend a minimum of $5,000 on staff training that are directly involved with this grant.
FUNDING Grants will be distributed at the end of every quarter. Agencies will be eligible for up to 25% of the grant amount with supporting documentation, and approved financial and data reports. Release of funding may also be contingent on agency performance under grant.
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SCORING (100 POINTS TOTAL) The following is the scoring criteria that will be used to rank your application:
1. ORGANIZATION CAPACITY – MAXIMUM 25 POINTS, MINIMUM 18 POINTS Up to twenty five (25) points may be awarded to applications that demonstrate successful previous management of a counseling program.
2. PROGRAM NEED AND DEMAND – MAXIMUM 25 POINTS, MINIMUM 18 POINTS a. Up to twenty five (25) points may be awarded to applicants who evidence both need and demand for the program.
3. TEAM CAPACITY AND EXPERIENCE – MAXIMUM 25 POINTS, MINIMUM 18 POINTS a. Up to twenty five (25) points may be awarded to applicants that clearly show that staff is in place to administer and oversee the program.
4. PROPOSED PLAN – MAXIMUM 25 POINTS, MINIMUM 18 POINTS a. Up to twenty five (25) points may be awarded to applications that include a budget for activities and expenses to be funded by the program (See eligible grant activities above).
APPLICATION FEE IHDA will not charge a fee for processing applications under this Program.
APPLICATION A completed application must be received by January 5, 2018, by 3:00 p.m. CST. Applications will be available on IHDA’s website: https://www.ihda.org/my‐community/foreclosure‐programs/. Please submit your complete application electronically to
[email protected] – Subject: FPP R5 Application (Agency Name). All applications must be digital, no hard copies will be accepted. Zipping the application and exhibits may be necessary. Kindly confirm delivery of your application by checking the appropriate notifications in your email. Be sure to attach all necessary exhibits and attachments. If you do not receive confirmation, please e‐mail
[email protected]. The Illinois Housing Development Authority will be hosting application/technical assistance seminars via webinar. Please visit https://www.ihda.org/my‐community/foreclosure‐programs/ and look for emails from
[email protected] for future information regarding the time and dates of webinars.
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FORECLOSURE PREVENTION PROGRAM ROUND 5 GRANT APPLICATION APPLICANT INFORMATION Agency Name Main Office Street Address, Line 1 City
Street Address, Line 2 State
Zip Code
Website
Executive Director Name
Title
Telephone Number
E-mail Address
Program Chief Contact Name
*Individual to be the primary recipient of all grant correspondence
Title
Telephone Number
E-mail Address
Geographies to be covered by this grant – provide census tracts if possible
Is your organization a HUD-approved housing counseling agency?
(Select)
If “Yes”, year of initial certification If “Yes”, year of most recent certification Is your organization a non-profit community based organization that provides educational and financial information about foreclosures to residents of a community through in-person contact?
(Select)
**Please include documentation of HUD certification and/or non-profit status, if applicable**
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EXPERIENTIAL INFORMATION Please report the following information for your agency’s experience in providing services related to those in the Foreclosure Prevention Program. Indicate the number of years performing these activities, and the number of counselors currently providing them. In the second table, provide the number of clients assisted under each of these activities in the past 3 years by reporting figures found on your submitted HUD 9902.
FORECLOSURE PREVENTION PROGRAM‐RELATED ACTIVITY
NUMBER OF YEARS YOUR ORGANIZATION
NUMBER OF COUNSELORS
HAS PROVIDED THIS
CURRENTLY PROVIDING
SERVICE
THIS SERVICE
LANGUAGES THAT THIS SERVICE IS PROVIDED IN
Pre‐Purchase Counseling Post‐Purchase Counseling Foreclosure Prevention Counseling Financial Literacy Counseling
FORECLOSURE PREVENTION PROGRAM‐RELATED ACTIVITY
CLIENTS CLIENTS CLIENTS ASSISTED: 2015 ASSISTED: 2016 ASSISTED: 2017
Pre‐Purchase Counseling * Use figure reported on HUD 9902, #9.c
Post‐Purchase Counseling * Use figure reported on HUD 9902, #9.d
Foreclosure Prevention Counseling * Use figure reported on HUD 9902, #9.f
Financial Literacy Counseling * Use figure reported on HUD 9902, #8.a, or other applicable figures
**HUD‐approved housing counseling agencies must include their 2017 HUD 9902 **
GRANT REQUEST INFORMATION Applicants under Round 5 of the Foreclosure Prevention Program are eligible to apply for a grant amount not to exceed $100,000. There is a $20,000 minimum grant request. Please indicate below the amount of grant funds that you are applying for under Round 5 of the Foreclosure Prevention Program. Requested grant amount
Round 5 Application Foreclosure Prevention Program
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SCORING CATEGORY 1: ORGANIZATION CAPACITY MAXIMUM 25 POINTS 1. Briefly describe your agency’s mission
2. Complete the table below by detailing the grants and programs managed by your organization. Be certain to include all grants and programs that you have participated in through IHDA.
GRANT/PROGRAM NAME
Round 5 Application Foreclosure Prevention Program
SOURCE OF FUNDING
DATES OF GRANT/PROGRAM
AMOUNT AWARDED
AMOUNT EXPENDED
ACTIVITIES UNDERTAKEN QUANTIFIED OUTCOMES COMPLIANCE CONCERNS
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3. Utilize the section below to detail any active or planned marketing efforts done by your agency to provide housing counseling services in the community you serve. Include any applicable materials/documents listed as attachments with your application submission. Examples include: fliers, door knocking, events, purchasing foreclosure lists, etc.
MARKETING EFFORT
CURRENTLY IN‐PLACE?
a. (Marketing Effort)
(Select)
(Select)
b. (Marketing Effort)
(Select)
(Select)
c. (Marketing Effort)
(Select)
(Select)
d. (Marketing Effort)
(Select)
(Select)
e. (Marketing Effort)
(Select)
(Select)
f. (Marketing Effort)
(Select)
(Select)
g. (Marketing Effort)
(Select)
(Select)
Round 5 Application Foreclosure Prevention Program
IF “NO”, PLANNED? HOW WILL FPP FUNDS COMPLEMENT THIS EFFORT?
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4. Please complete the following table detailing your agency’s experience participating in or hosting outreach events in the past year. Indicate whether or not your organization was a participant in or the host of the event.
#
EVENT NAME
DESCRIPTION
DATE(S)
WERE YOU A PARTICIPANT OR HOST?
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**If you need to report more events, duplicate this page**
Round 5 Application Foreclosure Prevention Program
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SCORING CATEGORY 2: PROGRAM NEED AND DEMAND MAXIMUM 25 POINTS 5. Document the number of foreclosures filed, unemployment data, any known layoffs, and population in your agency’s service area, as provided above. Please provide figures for 2016 and 2017. Geographies to be covered by this grant, as reported above:
DATA METRIC
2016
2017
Population Foreclosures Filed Unemployment Rate
%
%
Layoffs
By checking this box, I certify to the best of my knowledge that the data reported in the table above represents figures corresponding solely with the geographies listed above
Please utilize this space to provide us with any additional information regarding the need of your community that you were not already able to describe in the questions above.
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SCORING CATEGORY 3: TEAM CAPACITY AND EXPERIENCE MAXIMUM 25 POINTS Answer the following 3 questions in response to the figures that you provided above in question #5: 6. Document how your agency has addressed capacity and worked to meet the need for housing counseling and foreclosure outreach.
7. Document if there has been an improved situation.
8. Explain the continuing Program need for this funding in your agency's service area.
Round 5 Application Foreclosure Prevention Program
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9. For each counselor providing services, indicate whether or not they are certified in the following FPP-related activities. Additionally, indicate if these counselors are newly-hired within your agency; if they are not, indicate how many continuing education units (CEUs) they have received. Your answers should cover the last 36 months.
#
COUNSELOR NAME
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
PRE-PURCHASE COUNSELING CERTIFIED
POST-PURCHASE COUNSELING CERTIFIED
FORECLOSURE PREVENTION COUNSELING CERTIFIED
FINANCIAL LITERACY COUNSELING CERTIFIED
NEWLY HIRED COUNSELOR IN AGENCY?
IF NOT NEWLY-HIRED, NUMBER OF CEUS COMPLETED
(Select) (Select) (Select) (Select)
(Select) (Select)
(Select) (Select) (Select) (Select)
(Select) (Select) (Select)
(Select) (Select) (Select)
(Select) (Select) (Select)
(Select) (Select)
(Select) (Select)
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(Select)
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**If you need to report more counselors, duplicate this page. Include all certifications referenced above with your application** Round 5 Application Foreclosure Prevention Program
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SCORING CATEGORY 4: PROPOSED PLAN MAXIMUM 25 POINTS Total grant request amount as reported above: 10. Please list activities to be undertaken with FPP funds. Include an estimated line item budget for each eligible expense category under the program. It is essential that you reference Section 385.303 of the FPP Program Rules to ensure that the expenses are eligible as outlined by your agency.
ELIGIBLE EXPENSE CATEGORY
DETAIL
*Refer to the Program Rules for Agency Eligibility*
AMOUNT
TIMEFRAME
$ 0.00
---
Personnel/Salaries Fringe Benefits Training/Associated Expenses (Counselors) Equipment Rental* Computer & Equipment Expenses* General Operation (Rent/Utilities)* Technical Assistance* Non-Technical Office Supplies Marketing Travel/Lodging (Admin Staff) Capacity Building (Admin Staff) Credit Reports Postage (Enter Other Activity) (Enter Other Activity) (Enter Other Activity)
TOTAL
Round 5 Application Foreclosure Prevention Program
*The sum of these four expense categories cannot exceed 10% of the total grant amount. Page 10 of 11
AUDIT INFORMATION All agencies applying for funds must provide a copy of their most recent independent financial audit, as well as their most recent HUD audit. If a Management Letter was issued, a copy of the letter must also be attached. NOTE: Include any Management Response and/or Corrective Action Plan. The Management Response and/or Corrective Action Plan MUST be on applicant’s letterhead and be signed by the Executive Director, Chief Executive Officer, or chief executive of the applicant. IHDA reserves the right to use lack of corrective action or lack of response to findings to determine funding.
FINANCIAL AUDIT 11. Date that audit was performed
12. Dates which audit covered (Fiscal year)
13. Summarize any audit findings, including page numbers of findings and solutions. If no findings, indicate “N/A”
14. Page(s) containing Corrective Action Plan. If not applicable, indicate “N/A”
HUD AUDIT 15. Date that audit was performed
16. Dates which audit covered (Fiscal year)
17. Summarize any audit findings, including page numbers of findings and solutions. If no findings, indicate “N/A”
18. Page(s) containing Corrective Action Plan. If not applicable, indicate “N/A”
Round 5 Application Foreclosure Prevention Program
Page i Audit Information
EXHIBIT CHECKLIST Submit your completed application and all supporting attachments to the Authority via email at
[email protected]. All materials must be digital; no hard copies will be accepted. Each exhibit must be submitted as an individual PDF document; please follow the naming conventions indicated below. Email one copy of your completed application package to
[email protected].
Application Name: Application for Agency HUD Certification Name: HUD Certification for Final 2017 HUD‐9902 Submission Name: HUD‐9902 for Counselor Certifications listed in question #9 Provide only relevant certificates for counselors that have been acquired within the past 36 months Name: Counselor Certifications for Financial Audit Name: Financial Audit for HUD Audit Name: HUD Audit for Current Agency Work Plan per Program Name: Work Plan for
Round 5 Application Foreclosure Prevention Program
Page ii Exhibit Checklist
STANDARD REQUIREMENTS AND CERTIFICATIONS Every grantee under the Program will be required to comply with these certifications and requirements: Yes 1.
Applicant is in good standing under the laws of the State of Illinois;
2.
Applicant is authorized to do business in Illinois;
3.
Agency offices and services to be provided will be accessible to people with disabilities;
4.
Applicant will not permit discrimination against customers on the basis of their gender, race, religion, national origin, ancestry, creed, pregnancy, marital or parental status, sexual orientation, or physical, mental, emotional, or learning disability;
5.
Applicant has provided pre‐purchase counseling services that included a one‐on‐one session to at least 50 people during the past HUD year AND has at least one certified and qualified counselor on staff;
6.
Applicant has provided post‐purchase counseling services that included a one‐on‐one session to at least 50 people during the past HUD year AND has at least one certified and qualified counselor on staff;
7.
Staff that will provide counseling have no conflict(s) of interest due to other relationship with mortgage lenders, services, real estate agencies, and/or other entities that may stand to benefit from particular counseling outcomes;
8.
Applicant has documented counseling capacity, outreach, capacity, past successful performance, and positive outcomes with documented counseling plans;
9.
Applicant will demonstrate to IHDA that expenditures of grant funds were for eligible uses under the Foreclosure Prevention Program;
No
10. Applicant agrees to comply with monitoring and evaluation of the Foreclosure Prevention Program through the date of termination of the Commitment; 11. Applicant will maintain records in connection with the administration of the Program for five years after the date of termination of the Commitment; and 12. Applicant agrees to the terms and conditions of the Foreclosure Prevention Program.
On behalf of ________________________________, I certify that the information contained herein accurately reflects my organization’s commitment and ability to participate fully in the Foreclosure Prevention Program.
Name
Title
Date
Signature of Authorized Official
Round 5 Application Foreclosure Prevention Program
Page iii Standard Requirements and Certifications