CR 96-36 PH Community Development Block GrantFebruary 11, 1996
Proposed Action
Staff recommends approval of the following motion: Adopt resolution number 96 -15 approving
the proposed program for the 1996 Urban Hennepin County Community Development Block
Grant Program and authorizing its submittal to Hennepin County.
With this motion, the CDBG application will be submitted to Hennepin County for their review
and approval.
Overview
PUBLIC HEARING
1996 COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM
As a participating city in the Urban Hennepin County CDBG program, Hopkins is eligible to
receive $154,499 in CDBG funds for the 1996 program year. The funds will be received on July
1, 1996 and must be expended by December 31, 1997.
Staff is recommending that the City propose to fund the following activities with 1996 CDBG
funds:
o housing rehabilitation program
o Greater Minneapolis Day Care Association
o Community Action for Suburban Hennepin
As a requirement of the CDBG funding process, the City must hold a public hearing on the
proposed use of funds prior to approving the attached resolution. The City's proposal must be
submitted to the County by March 8, 1996.
Primary Issues to Consider
o What is the intended use of CDBG funds?
o What activities are being recommended for funding?
o Where any other requests for funds received?
Supportine Information
o Resolution 96 -15
o CDBG Eligible Activities
o Request from Greater, nneapolis Day Care Association and Community Action for
burby - Leo ,P
Yal / Aid .44
lverum,'usingCoordinator
Council Report. #96 -36
1996 CDBG program
Council Report 96 -36
page 2
Analysis of Issues
o What is the intended use of CDBG funds?
CDBG funds may be used to support a wide range of housing and community development
activities. Activities must meet at least one of the following objectives of the CDBG program'
o Benefiting low and moderate income persons
o Prevention or elimination of slums and blight
o Meeting a particularly urgent community development need
Additionally, Hennepin County imposes the following guidelines:
o 20% maximum for public service activities
o maximum of three locally administered activities
o minimum allocation of $7,500 per locally administered activity.
o What activities are being recommended for funding?
Staff is recommending that the 1996 CDBG funds be allocated as follows:
o $130,499 - Housing Rehabilitation
o $ 20,000 - Greater Minneapolis Day Care Association
o $ 4,000 - Community Action for Suburban Hennepin
Activities funded through the Greater Minneapolis Day Care Association and Community Action
for Suburban Hennepin will be administered by Hennepin County.
Housing Rehabilitation
The need for a continued housing rehabilitation program has been identified in the Strategic Plan,
comprehensive plan and the housing analysis report. Although financing for the housing
rehabilitation program is available through the City's revolving loan fund, if alternative funds such
as CDBG are not used to supplement the program, the revolving loan fund will soon be depleted.
The City of Hopkins made a total of eleven loans and/or grants with 1994 CDBG funds. An
additional seven to ten loans and/or grants have been or will be made with 1995 CDBG funds.
Staff feels that it is important to continue funding the housing rehabilitation program with CDBG
funds at similar levels as previous years. This activity has been funded through the CDBG
program since 1974.
1996 CDBG program
Council Report 96 -36
page 3
Greater Minneapolis Day Care Association (GMDCA)
The proposed funding would be used to provide day care assistance to income eligible Hopkins
families. As of January 31, 1996 there were 61 families on the GMDCA waiting list from
Hopkins. GMDCA was able to serve a total eight Hopkins families in 1995 using CDBG funds.
This activity has been funded through the CDBG program for several years, including $20,000
for the 1995 program year.
Community Action for Suburban Hennepin (CASH)
CASH submitted a request for $4,000 in CDBG funds for support of HOME Line, a housing
services program of CASH. HOME Line offers the following housing programs for low and
moderate income homeowners and renters:
Staff feels that the housing programs offered by HOME Line complement the housing programs
of the City of Hopkins and that their request for $4,000 is reasonable. The City first funded this
activity with CDBG funds in 1995.
o Where any other requests for funds received?
As of the time of this report, there were no other requests for CDBG funds.
Alternatives
The City Council has the following alternatives regarding this issue:
o Hold public hearing; approve 1996 CDBG program as proposed by staff.
o Hold public hearing; amend the proposed CDBG activities and/or budget.
o Hold public hearing delay action to the March 6, 1996 City Council meeting.
o Home Buyer Education and Counseling
o Tenant "hotline" to assist tenants with rental problems
o Tenant organizing assistance to educate and train low income tenants to work together
to solve common problems in a complex
o Mortgage foreclosure prevention program
o Free legal help and financial assistance for families with children facing eviction.
Attest:
CITY OF HOPKINS
HENNEPIN COUNTY, MINNESOTA
RESOLUTION NO. 96 -15
RESOLUTION APPROVING PROJECTED USE OF FUNDS FOR 1996
URBAN HENNEPIN COUNTY COMMUNITY DEVELOPMENT BLOCK GRANT
PROGRAM AND AUTHORIZING SIGNATURE OF SUBRECIPIENT AGREEMENT WITH
HENNEPIN COUNTY AND ANY THIRD PARTY AGREEMENTS
WHEREAS, the City of Hopkins, through execution of a Joint Cooperation Agreement with
Hennepin County, is cooperating in the Urban Hennepin County Community Development Block
Grant Program; and
WHEREAS, the City of Hopkins has developed a proposal for the use of Urban Hennepin
County CDBG funds made available to it, and held a public hearing on February 20, 1996 to
obtain the views of citizens on local and Urban Hennepin County housing and community
development needs and the City's proposed use of $154,499 from the 1996 Urban Hennepin
County Conununity Development Block Grant.
BE IT RESOLVED, that the City of Hopkins approves the following projects for funding from
the Urban Hennepin County Community Development Block Grant program and authorizes
submittal of the proposal to Hennepin County for review and inclusion in the 1996 Urban
Hennepin County Community Development Block Grant Program.
Project Budget
Housing Rehabilitation ` $130,499
Greater Minneapolis Day Care Association $ 20,000
Community Action of Suburban Hennepin $ 4,000
BE IT FURTHER RESOLVED, that the City Council hereby authorizes and directs the Mayor
and its City Manager to execute the Subrecipient Agreement and any required Third Party
Agreement on behalf of the City.
Adopted this 20th day of February, 1996.
James A. Genellie, City Clerk.
By
Charles D. Redepenning, Mayor
CDBG ELIGIBLE ACTIVITIES
Federal statutes and regulations determine what activities are eligible under the CDBG program.
Generally, three steps are involved in determining if CDBG funds may be used to assist a proposed
activity.
1. Determine if the proposed activity meets one of the following national objectives of the program:
Benefiting low and moderate (LIM) income persons.
Prevention or elimination of slums or blight; or,
Meeting a particularly urgent community development need.
2. Determine if the activity is included within the listing of eligible activities in the CDBG regulations,
as modified by statutory amendments. A listing of eligible activity categories follows:
Acquisition of Real Property
Disposition of Real Property
Public Facilities and Improvements
Privately Owned Utilities
Clearance of buildings and improvements
Relocation
Public Services
Interim Assistance - Urgent Need
Removal of Architectural Barriers
Housing Rehabilitation
Home Ownership Assistance
Code Enforcement
Historic Preservation
Commercial or Industrial Rehabilitation
Economic Development Activities
Special Activities by Subrecipients
Planning and Capacity Building
3. Determine if the proposed activity falls within a category of explicitly ineligible activities listed
below.
Buildings for the general conduct of govemment
General government expenses
Political activities
Purchase of Equipment (generally)
Furnishings and personal property (generally)
Operating and Maintenance Expenses
New Housing Construction
Income Payments
NOTE: The current CDBG program regulations are contained in 24 CFR Part 570, published
September 6, 1988 as amended. Contact your CDBG Rep if you would like a copy.
FROM GMDCR
GMDCA.
A lli Child Care Leadershi P and Services
February 1,1996.
Kristen Elverum
City of Hopkins
1010 -1st Street
Hopkins,MN 55343
82.15.1996 12:13
Dear Kristen,
On behalf of the Greater Minneapolis Day Care Association
(GMDCA), I am requesting that the Hopkins City Council
consider using $20,000. of their Year XXII Community
Development Block Grant (CDBG) money for the child care
sliding fee program. I understand that Child Care
Services are a high priority for the 1996 CDBG funding.
With $20,000., the four Hopkins family now being
served could continue to recieve help. Applications
been sent to the top two families on your waiting list.
Hopefully one of these will be served soon.
The enclosed CDBG report as of 1 -31 -96 indicates that
eight families were served in the last half of 1995.
There are 61 eligible Hopkins families currently on
your waiting list.
When a family calls and is proven eligible, their name goes on
to the county waiting list, as well as the waiting list for
their city, if the city has a subsidy program. Thirteen
suburban cities currently use some of their CDBG funds for a
child care subsidy program. At this time, families have to
wait over one year for subsidy help through the county.
If a city has a subsidy program, that waiting list moves more
quickly, as it includes only eligible residents of that city.
Once the name of a family on a city program comes up on the
county list, that family is moved to county funding. 5o the
city money can be used to help another resident family.
This system maximizes the use of city money, but the
paperwork and time moving families from one program to
another causes ups and downs in the use of city funds.
Thank you for your past involvement in this program. Many
Hopkins families have been able to move toward self -
sufficiency with your help. Please call if I can get
any other information for you. I will try to attend your
public hearing for the CDBG funds.
Siince�rely,
„ t / t.cam ° ° '.
Mace Norris PUBLIC EDUCATION AND ADVOCACY
Community OutionakAcsortbnattrER TRAINING • PEE SUBSIDIES
GREATER MINNEAPOLIS
DAY CARIASSOCIATION
1628 Elliot Avenue South
Minneapolis, MN 554044657
Tel. (612)341 -1177
Pax (612) 3414356
Voice /TDD (612) 341.2066
P. 4
Community Action
• for Suburban Hennepin
•
•
Mr. Jim Kerrigan
City of Hopkins
1010 South First Street
Hopkins, MN 55343
Dear Mr. Kerrigan:
February 8, 1996
This letter is to request funding in the amount of $4,000 from the city's Community
Development Block Grant program. This funding will be used to support HOME Line, the
housing services of Community Action for Suburban Hennepin (CASH).
I am enclosing materials that describe all of our programs and, for our tenant hotline and
foreclosure prevention programs, data showing use of these programs by residents of Hopkins.
As you can see, we are mostly serving low and moderate income people in your community.
This year, we will be giving special attention to our educational program for high school
students. We believe that giving information on the basics of being a renter to young people
about to graduate will help them to avoid some of the problems we encounter time and again on
our renters hotline. We have made eleven presentations to students at Hopkins High School
since starting this program in 1993.
In addition, we plan to expand our homeownership programs by adding services to existing
homeowners, particularly those of lower incomes, to help them maintain their property and
stretch their budgets. These will include information, technical assistance, and instruction on
home maintenance and repair. And, we will assist homeowners to get repairs done: developing
specifications, selecting contractors, assuring quality work. A loan fund to help homeowners
finance small repair jobs will be established in conjunction with these repair services.
We appreciate your generosity to us last year and your willingness to consider our request for
continued support. If you have questions or need additional information, please feel free to
contact Charlie Warner, our Housing Programs Director, at 933 -9639, extension 221.
Sincerely,
AhOAC
Sharon A. Johnson
Executive Director
Enclosures:
Financial statement & Proposed budget
HOME Line program descriptions
Data sheets on renters hotline, foreclosure prevention, and home buyer programs
List of supporting cities
33 10th Avenue S., Suite 150, Hopkins, MN 55343 • (612) 933 -9639 • Fax 933 -8016
COMMUNITY ACTION FOR
SUBURBAN HENNEPIN
Hopkins, Minnesota.
STATEMENT OF ASSETS, LIABILITIES AND FUND BALANCE
September 30, 1994
ASSETS
EXHIBITA
Restricted Unrestricted Total
Cash $ 81,412 $. 3,178 $ 84,590
Grants receivable 23,502 0 23,502
Other receivable 320 0 320
TOTAL ASSETS S105.234 $ 3.178 $108Al2
LIABILITIES AND FUND BALANCE
Accounts payable. $ 6,765
Accrued payroll and related expenses 13,661
Unearned revenue 12,20T
Mortgage foreclosure loan fund 72.601
Total Current Liabilities
Fund Balance -
TOTAL LIABILITIES AND
FUND BALANCE
The accompanying notes are an integral part these. statements_
-3-
0-
0
0
$ 6,765
13,661
12,207
72.601
5105,234 $ 0 $105,234
0 3.178 3.178
$105,234 S 3.178 5108.412
'Restricted unrestricted Total
Revenues
Grants $ 647,096 $ 0 $ 647,096
Other income 2A92 2,638 5,130
Commodities 172750 0 172 750
Total Revenues '$ 822.338 $ 2.638 $ 824.976
Expenditures
Salaries and wages $ 270,800 ,$ 0 $ 270,800
Fringe benefits 51,830 0 51,830
Consultants 49,943 0 49,943
Travel 19,846 0 19,846
Space costs 49,421 0 49,421
Consumable supplies 29,699 0 29,699
Equipment and maintenance 11,975 0 .• 11,975
Board /organization 27,617 0 27,617
Direct programs 138,457 0 138,457
Commodities 172,750 0 172,750
Other 0 200 00
Total Expenditures $ 822.3$ $ 200 $ 822.538
Excess of Revenue $ 0 -$ 2,438 $ 2,438
• Fund Balance - September 30, 1993 0 740 740
FUND BALANCE- SEPTEMBER 30, 1994 $ 0 $ 3.178 5______11_7$
178
COMMUNITY ACTION FOR
SUBURBAN HENNEPIN
Hopkins, Minnesota
STATEMENT OF REVENUES, EXPENDITURES AND
CHANGES IN FUND BALANCES
For the Year Ended September 30, 1994
The accompanying notes are an integral part of these statements.
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•
1996 Budget - Community Action for Suburban Hennepin
Sources of Revenue:
Minnesota Economic Opportunity Grant
Community Services Block Grant
Minnesota Housing Finance Agency
Community Development Block Grant
Hennepin County - Family Homeless Prevention Assistance Project
Hennepin County - Emergency Services
Family Housing Trust Fund
HUD
Federal Emergency Management Agency
Anticipated Revenues: $989,720
Salaries: 479,655
Taxes & Benefits 98,861
Contracted Services 25,660
Prof. Services 21,000
Travel & Training 24,000
Space Costs 45,000
Supplies 30,000
Equipment 18,000
Indirect 37,615
(Telephone, Insurance,
Board expenses)
Dedicated funds to direct
client loans & assistance;
various funds & eligibility 209,929
Community Action
for Suburban Hennepin
•
HOME Line Program Description
(January 1996)
Introduction
HOME Line is the name given to CASH's set of housing services that operate in suburban Hennepin
County. These services include tenant advocacy (started in January 1992), tenant organizing (May
1992), mortgage foreclosure prevention counselling (August 1992), legal defense for families facing
eviction (September 1993), and home buyer education and counseling (August 1994).
CASH, standing for Community Action for Suburban Hennepin, is the "anti- poverty agency" serving tow
income people throughout Minneapolis' suburbs. It is a private nonprofit corporation with tax - exempt
status under Section 501(c)(3) of the Internal Revenue Code. CASH is funded primarily with federal
and state grants passed to us through the Minnesota Department of Economic Security (DES). Additional
funding is provided by Hennepin County, the Minnesota Housing Finance Agency (MHFA), the
Corporation for National and Community Service, the Fannie Mae Foundation, and several suburban
Hennepin municipalities.
HOME Line's office in downtown Hopkins is staffed by CASH employees, one VISTA (Volunteers in
Service to America) and volunteers from area law schools and our suburban community. CASH /HOME
Line employees include the coordinator of the tenant advocacy program, an attorney tenant advocate, two
tenant organizers, a homeownership program manager, two foreclosure prevention counselors, a home
buyer counselor, and an overall housing programs director. CASH also contracts with an attorney in
private practice to provide eviction defense to families with children.
Volunteers serve primarily as advocates working on our tenant hotline and as members of our
foreclosure prevention program's loan committee. Because volunteers are a critical element in HOME
Line's success, we place strong emphasis on their recruitment, training, and recognition.
Tenant Advocacy
Programs for Renters
The advocacy service assists individual tenants and is provided primarily over the phone (the
"hotline "), although tenants do occasionally drop in to the office. Individual advocacy includes
identifying the tenant's problem, providing accurate and timely information on relevant tenant/
landlord rights and responsibilities, helping the tenant understand options they might use to remedy
their problem, and, often, mailing out printed materials provided to us by Legal Aid. As advocates gain
experience and expertise, there may be opportunities to assist individual tenants prepare for court
and, in some cases, represent them in court.
33 10th Avenue S., Suite 150, Hopkins, MN55343 • (612) 933 -9639 • Fax 933 -8016
CASH/HOME Line Program Description Page 2.
More complex cases are handled by our in -house attorney or are referred to Legal Aid or to volunteer
( pro bono) lawyers through the Hennepin County Bar Association's Volunteer Lawyers Network.
Frequently, advocates will assist by referring tenants to other services and programs to help with
problems that may be outside the sphere of tenant/landlord issues. Where advocates discover problems
affecting many or all tenants in a complex, they may refer the case to HOME Line's tenant organizers.
Tenant Organizing
Where circumstances warrant and general problems exist, HOME Line's tenant organizers will work
with groups of tenants to address problems collectively. Collective tenant action has been used in
situations involving poor maintenance and repair throughout a complex, abusive behavior against
tenants by management or maintenance personnel, and violation of regulations governing various
housing assistance programs. Occasionally, especially in cases involving government- assisted housing,
HOME Line will get help for the tenant group from Legal Aid.
The organizing project publishes and distributes a quarterly newsletter to tenants, social service
agencies, and public officials throughout suburban Hennepin County. We are also actively assisting in
the formation of a state -wide tenants group, the Minnesota Tenants Network. The Network is primarily
focused on improving tenant/landlord law through legislative work and in assisting local tenant
organizing efforts statewide.
Family Homelessness Prevention
Under this program, funded by Hennepin County, we contract with an attorney in private practice to
provide legal advice, help with negotiations, and, when necessary, with free courtroom representation
to prevent homelessness in Hennepin County. For income - eligible families with children who are
facing eviction from their homes, there is an emergency loan fund available. Loan funds are available
to CASH through the Department of Economic Security. This program operates primarily in the
Brookdale division of Hennepin County District Court. Most assisted families live in Brooklyn Park,
Brooklyn Center, New Hope, Robbins -dale, Plymouth, and Crystal.
Programs for Homeowners
Home Buyer Education and Counseling (Pre- ourchase counseling)
Our newest program, started in August 1994, is designed to expand homeownership opportunities in
suburban Hennepin County, particularly for lower income and minority households. This is
accomplished through educational seminars on the home buying process that are open to the public and
individualized counseling to lower income buyers who may need help overcoming barriers to
homeownership. These barriers might include no credit history - -or a bad one, lack of enough money
for the downpayment and closing costs, or poor budgeting of personal income. We offer buyers
information on the housing market, mortgage programs and other ways to finance the purchase, public
and private homeownership programs, how to shop for and inspect a home, how to deal with a broker
and a lender, in short, about every detail of the home buying process. For income - eligible buyers, we
also have limited financial assistance to help pay for a qualified inspection of the home and to ease the
downpayment burden. The program works closely with area Realtors, lenders, and local governments
to assure home buyers get accurate and current information.
•
CASH/HOME Line Program Description
Mortgage Foreclosure Prevention (Post pur ha o n ling)_
Volunteer Involvement
Page 3.
We assist lower income homeowners who are facing foreclosure and the possible loss of their homes due
to circumstances beyond their control. Often this is caused by a family break -up (divorce,
abandonment, or death of a spouse) or the loss of a job due to economic dislocation. Intensive individual
financial counselling with the homeowner and prompt, knowledgeable negotiations with the lender can
sometimes save the situation. The foreclosure prevention staff assist homeowners gain access to public
and private financial resources to help solve a delinquency.
Where appropriate, a last resort loan will be made to the homeowner to bring the loan current. The
loan is non - interest bearing and comes due on sale of the property or when it is no longer owner -
occupied. The program's Emergency Loan Fund is capitalized with funds from CASH; additional . loan
funds are available to the program through the MHFA's Foreclosure Prevention and Rental Assistance
Program (FPRAP) .
HOME Line's mortgage foreclosure prevention staff have been instrumental in initiating and building
the Minnesota Mortgage Foreclosure Prevention Association (MMFPA). MMFPA is a statewide
organization of professionals in the for profit and nonprofit sectors working to improve the quality of
service to homeowners facing foreclosure. The Association has developed an intensive seven -day
training program for counsellors that is offered twice yearly. MMFPA also sponsors occasional shorter
educational sessions on specific topics of current interest in the field.
Volunteers are a mainstay of much of HOME Line's work. Our tenant hotline is staffed in large part by
volunteers recruited from area law schools and the suburban community. The tenant organizing
program works with groups of volunteer tenants seeking to improve their collective situation. The
Mortgage Foreclosure Prevention program utilizes a five- person Loan Committee composed of
volunteers from the CASH board and from the community. Law students also volunteer with HOME
Line's Family Homelessness Prevention and Assistance program. These law student volunteers, some of
whom are provided to the project through the Minnesota Justice Foundation, interview clients, prepare
trial documents, and represent eviction defendants in court under the supervision of HOME Line's
contract attorney. Altogether, over 3,000 hours of volunteer time are donated to HOME Line each year.
•
•
Community Action for Suburban Hennepin's
HOME Line Renters' "Hotline"
Information on calls during the years 1992 -1995 from
Hopkins
N
Hopkins
Callers' Incomes
(1992 -1995)
l
Low 75.1%
Moderate 20.8%
Higher 4.2%
Community Renters Education Program
HOME Line's Community Renters Education Program provides education to high school students, (primarily seniors)
presentations to tenants /staff of area agencies, information booths at community events and trainings to
volunteers /staff from agencies.
Name of School
Bloomington Jefferson
Bloomington Kennedy
Brooklyn Center
Champlin Park
Coon Rapids
Eden Prairie
Edina
Hopkins
Mahtomedi
Minnetonka
Osseo
Osseo -Park Center
Richfield
Robbinsdale-Armstrong
Robbinsdale- Cooper
St. Anthony
St. Louis Park
Wayzata
TOTAL
High School Presentations
Number of students (Number of presentations)
73
90
46
40
0
46
38
156
0
0
0
35
60
62
56
0
0
24
726
1993
1995
0
30 (1)
(2) 44 (2)
82 (4)
52 (2)
( 76 (2)
0
(2)_ 82 (_3_)_
30 (1)
(2) 0
(2) 0
60 (2)
58 (2)
0 25 (1)
59 56 (2)
0 15 (1)
12 15 (1)
38 0
379 625 (24)
1994
0
0
38
0
0
48
0
26
0
47
64
0
47 (2)
Over the past four years, a total of 840 Hopkins
renters have contacted HOME Line. This represents
service to approximately 2,100 residents when all
family members are counted.
A vast majority (over 95 %) of Hopkins callers
to HOME Line are low and moderate income. These
income categories are those used by the U.S.
Department of HUD:Low = incomes below 50% of
the Metro median income; Moderate = incomes
between 50 and 80% of the Metro median;
Higher = incomes above 80% of the Metro
median.
The high school
presentation covers
the rights and
responsibilities of
renters. The
presentation can be
tailored to fit any
class size, any class
needs, and all class
schedules.
Presentations
HOME Line receives requests
from agencies and organizations
to make presentations on
landlord /tenant law and housing
issues for their staff and
clients. These presentations are
conducted at the agencies' site
and are tailored to meet the
needs and time available.
Association for Rental
Management of Brooklyn
Center
Business and Professional
Women League of St. Louis
Park
Center for Asians,
Minneapolis
Community Resource Center,
Brooklyn Park
Creekside Community Center,
Bloomington
Crisis Connection,
Minneapolis
Crystal Managers Coalition
New Hope Managers Coalition
Senior Linkage,
Robbinsdale
Thorson Family Resource
Room, Crystal
Womens Resource Network,
Minneapolis
Other Educational Activities
Community Events Trainings
HOME Line's Traveling Renters
Education booth is designed to
be set up at any community
event. The booth is staffed by
HOME Line employees and
volunteers who provide
information and written
materials on landlord /tenant
issues. We have participated in
the following events.
Crystal Frolics
Mall of America, WCCO Booth
Bandana Square, St. Paul
Richfield Cattail Days
St. Louis Park Knollwood Mall
"Community Bazaar"
St. Louis Park
Party in the Park
HOME Line runs training sessions for its hotline
volunteers three times per year during
February, June and October. The trainings are
two full days in length and consist of learning
the basics of landlord /tenant law. This training
is offered free of charge to personnel of outside
organizations and agencies, as well as property
owners and managers. To date, representatives
of the following groups have received this
training.
American Indian Housing
Corporation, Minneapolis
Bill Kelly House,
Minneapolis
Bristol Place, Minneapolis
Community Action
Council, Apple Valley
Community Case
Corporation, Minneapolis
Eden Women's Program,
Minneapolis
Hemline Coalition, St.
Paul
Heartland Community
Action, Wilmer
Hope Allianz, Minneapolis
Property- owners,
Bloomington and
Minnetonka
Property Managers,
Bloomington,
Brooklyn Center,
Minneapolis, Plymouth,
St. Louis Park, and
St. Paul
Maryland Park Tenants
Association, St. Paul
Metropolitan Center for
Independent Living,
Minnetonka
NW Community Support
Program, Crystal
Overcoming Poverty
Together, Mankato
Person to Person,
Minneapolis
Perspectives
Transitional Housing,
St. Louis Park
Pillsbury House,
Minneapolis
Pillsbury
Neighborhood
Services /Waite
House, Minneapolis
Project Off Streets,
Minneapolis
Scott /Carver/
Dakota Community
Action, Shakopee
South Eastern MN
Housing Network,
Rochester
Southern Minnesota
Regional Legal
Services, St. Paul
St. Anne's Shelter,
Minneapolis
St. Paul Public Housing
St. Paul Tenants Union
St. Stephen's Shelter,
Minneapolis
Thorson Family
Resource Room,
Crystal
Vail Place,
Hopkins
Vail Place,
Minneapolis
YWCA of St. Paul
Year
Hopkins Households Served
1993
5
1994
14
1995
8
Total
27
Community Action
• for Suburban Hennepin
HOME Line's Foreclosure Prevention Program
Information on Hopkins homeowners served from 1993 to 1995
The chart below shows the number of Hopkins homeowners requesting
foreclosure prevention assistance.
Approximately 87% of the Hopkins homeowners were low to moderate income
households.
17%
13%
Household Income
O Low - Below 50% of Median Income
• Moderate 50% to 80% of Median Income
70% 0 Upper - Over 80% of Median Income
There were children in 67% of these Hopkins homes.
23%
10%
37%
Type of Household
O Families with Children
■ Single Parent Families
0 Adults Only
o Seniors
33 10th Avenue S., Suite 150, Hopkins, MN 55343 • (612) 933 -9639 • Fax 933 -8016
•
•
Page Two
Hopkins
The main reason for default was unemployment or a reduction in income.
Main Reason for Default
1
® Unemployment
• Health
o Divorce/Separation
o Not Affordable
II Other
Foreclosure was averted in 81% of the cases.
19 Hopkins homes were saved.
A total of $5,054 in financial assistance was obtained for Hopkins homeowners.
® 19 Homes Saved
• 2 Homes Sold
O 3 Foreclosures
• 2 Unknown
Community Action
for Suburban Hennepin
•
HOME Line's Homebuyer Education and Counseling Program
HOMELine's Homebuyer Education and Counseling program expands
homeownership opportunities for low and moderate income residents of
suburban Hennepin County through educational workshops and individual
counseling. By collaborating with the lending community and government
agencies, HOME Line is able to help develop special financing products which
enable these residents to turn their dreams of homeownership into reality.
The three -part educational workshops provide information on money
management and budgeting for mortgage payments, housing care and
maintenance, financing the property, overcoming credit problems, and other
issues relating to homeownership. The curriculum is approved by MHFA and all
major lenders involved in providing affordable home financing programs.
Since January of 1995, over two hundred people have attended the three -part
workshops or received individual counseling from the HUD - approved housing
counselors at HOME Line. The workshops are held monthly at Community
Centers on weekday evenings and Saturday mornings. Hopkins, Bloomington,
Crystal, St. Louis Park, Minnetonka and Brooklyn Center have donated space for
the workshops.
Following the group workshop, we recommend and provide additional private
individual counseling sessions. During the individual counseling session, the
counselor interviews the client to obtain basic information about the household
and to determine the family's housing needs and goals, and identifies any
barriers to homeownership. A realistic plan is developed to enable clients to
meet their housing goals. Ongoing assistance and encouragement is provided
by the counselor.
Financial and budget counseling has been provided for 120 families to prepare
them for homeownership, and more importantly, so that they can remain
successful homeowners.
Because of HOME Line's sponsorship, 35 households were able to purchase
their homes with special financing programs for low to moderate income buyers.
33 10th Avenue S., Suite 150, Hopkins, MN 55343 • (612) 933 -9639 • Fax 933 -8016
Community Action
for Suburban Hennepin
Hennepin County cities providing support to HOME Line
Champlin (1994, 95)
Crystal (1995)
Eden Prairie (1993, 94, 95)
Edina (1993, 94, 95)
Hopkins (1995)
Maple Grove (1994,95)
Minnetonka (1994, 95)
Mound (1994, 95)
Plymouth (1993, 94, 95, 96)
Robbinsdale (1993, 94, 95)
St. Louis Park (1993, 94, 95)
other support has been provided by
U.S. Department of Housing and Urban Development
Housing Counseling Program
Minnesota Housing Finance Agency
Foreclosure Prevention and Rental Assistance Program
Hennepin County
Family Homeless Prevention and Assistance Program
Fannie Mae Foundation
First Bank Foundation
33 10th Avenue S., Suite 150, Hopkins, MN 55343 • (612) 933 -9639 • Fax 933 -8016