application for funds for project to help …... · homeowners avoid preventable foreclosures or to...

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APPLICATION FOR FUNDS 1 (Version Date: 5/18/2012) APPLICATION FOR FUNDS FOR PROJECT TO HELP WASHINGTON HOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE THE EFFECTS OF THE FORECLOSURE CRISIS Please submit an application including all of the following information. Incomplete applications will not be considered. I. APPLICANT INFORMATION Organization Name: ClearPoint Financial Solutions, Inc. Mailing Address: 8000 Franklin Farms Dr. City, State, Zip: Richmond, VA 23229 County: Henrico If Tribal, Designate Tribe: Primary Contact Person: Martha Lucey Primary Contact Phone No.: 877-877-1995 (4101) Primary Contact Email: [email protected] Secondary Contact Person: Jordan Schildcrout Secondary Contact Phone No.: 877-877-1995 (4153) Secondary Contact Email: [email protected] II. ORGANIZATION TYPE (check applicable) 501(c)3 nonprofit Tribal Governmental agency 7-003

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Page 1: APPLICATION FOR FUNDS FOR PROJECT TO HELP …... · HOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE THE EFFECTS OF THE FORECLOSURE CRISIS Please submit an application including

APPLICATION FOR FUNDS

— 1 —(Version Date: 5/18/2012)

APPLICATION FOR FUNDS FOR PROJECT TO HELP WASHINGTONHOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE

THE EFFECTS OF THE FORECLOSURE CRISIS

Please submit an application including all of the following information. Incompleteapplications will not be considered.

I. APPLICANT INFORMATION

Organization Name: ClearPoint Financial Solutions, Inc.

Mailing Address: 8000 Franklin Farms Dr.

City, State, Zip: Richmond, VA 23229

County: Henrico

If Tribal, Designate Tribe:

Primary Contact Person: Martha Lucey

Primary Contact Phone No.: 877-877-1995 (4101)

Primary Contact Email: [email protected]

Secondary Contact Person: Jordan Schildcrout

Secondary Contact Phone No.: 877-877-1995 (4153)

Secondary Contact Email: [email protected]

II. ORGANIZATION TYPE

(check applicable)

501(c)3 nonprofit

Tribal

Governmental agency

7-003

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APPLICATION FOR FUNDS

— 2 —(Version Date: 5/18/2012)

III. IDENTIFYING INFORMATION

Tax Identification Number (TIN): 54-1125309Uniform Business Identifier (UBI): 602314572

A. Does your organization currently receive any funding from the AGO? If yes,please identify the date of your last report.

No; Yes.

B. Does your organization receive any funding from any other governmental agencyfor housing related projects or foreclosure related assistance? If yes, list thecontracts by title, contract number and funding amount for the past 3 years.

No; Yes.WA State Home Foreclosure Fairness Act: no contract number $280,700WA State Foreclosure Counseling and Support: no contract number $140,243HUD FY09-10: HC09-0011-022 $645,077HUD FY10-11: HC10-0011-025 $1,082,433HUD FY11-12: HC12-0011-010 $436,032HUD Mortgage Modification and Mortgage Scam Assistance (MMMSA):HC11-0017-018 $250,010NFMCP Round 4: 21.000 PL 111-117:95X1350 $78,486NFMCP Round 5: 21.000 PL112:1095X1350 $1,571,244NFMCP Round 6: 21.000 PL112-55:95X1350 $2,659,761

C. Is your organization solely owned/operated by a current state employee? If so,please complete the Ethics Certification process at www.ethics.wa.gov.

No; Yes.

7-004

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APPLICATION FOR FUNDS

— 3 —(Version Date: 5/18/2012)

IV. PROJECT PROPOSAL

A. Project Title Mortgage Default and Foreclosure Recovery Program

B. Requested Amount: $128,683.00

C. Project summary: In 150 words or less, concisely describe your project and howit meets the criteria set forth in the settlement. This summary will help theCommittee review proposals. Attachments and exhibits are not allowed in thissection. Over-length summaries will disqualify application.This project expands ClearPoint’s capacity to help homeowners avoid foreclosureand displaced victims of the foreclosure crisis to rebuild their financial lives.ClearPoint’s HUD-approved counselors currently provide holistic mortgagedefault counseling, financial education, mediation representation, and debtmanagement assistance for nearly 2,000 Washington homeowners each year.While this array of services meets the needs of many at-risk homeowners,additional services described below would help to increase the value of ourprogram to Washingtonians.

Proposed funding will enable ClearPoint to add the following components to itsMortgage Default and Foreclosure Recovery Program:

-Benefits Screening Services for at-risk homeowners;-An Online Portal replicating mortgage default counseling sessions;-A Search Engine Marketing Campaign motivating distressed homeowners toseek advice from certified counselors;-Foreclosure Recovery Workshops;-Foreclosure Recovery Counseling Sessions.

By incorporating these tools and services into our program, ClearPoint clients willbe afforded better opportunities to reach their goals.

D. Describe how your project meets the criteria set forth in sections I and III above,including estimated start and completion dates. Supporting information andexhibits may be included here. Please try to make your submission as concise aspossible.-Project will begin within one month of receiving funds and end within a 24-month-period.

-Project meets criteria in section I because it includes funding for housingcounselors, is aimed at helping homeowners avoid foreclosure, and seeks toameliorate the impact of the foreclosure crisis on families who have beendisplaced.

-Project meets criteria in section III because it: targets consumers harmed byunfair mortgage practices and underserved populations such as Spanish-speakers

7-005

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APPLICATION FOR FUNDS

— 4 —(Version Date: 5/18/2012)

who will be reached through our relationship with the Mexican Consulate. Itprovides geographic diversity - ClearPoint counseled distressed homeowners from18 different Washington counties in the first quarter of 2012 alone - and augmentsa successful mortgage default counseling program that helps over 12,000homeowners nationwide per year to understand and work through loanmodification and mediation processes.

E. Describe the demographics of the consumers you serve. Please providesupporting data or statistics.Of the 403 Washingtonian families receiving initial mortgage default counselingfrom ClearPoint in the first quarter, 29% were low income (under 50% AreaMedian Income), 29% were moderate income (50%-80% AMI), 25% were middleincome (80%-120% AMI) and 17% were above 120% of Area Median Income.

In addition, 73% of clients served were Caucasian (non-Hispanic), 11% wereHispanic, 8% Asian, 4% African-American, 2% Mixed Ethnicity/Race, 1% wereNative American and 1% were Hawaiian or Pacific Islanders. Reduced income(47%) and unemployment (16%) were the most commonly-cited primarychallenges preventing our Washingtonian clients from keeping current on theirmortgage payments.

ClearPoint recently added to its local capacity in the way of Spanish-speakingcounselors and signed a MOU with the Seattle Mexican Consulate to assist moreSpanish-speakers.

F. Describe the geographic scope of your project.As a percentage of our client base in Washington, the project will serveconsumers in the following counites: King (38%), Snohomish (33%), Pierce(14%), Skagit (4%), Thurston (3%), Whatcom (3%), Island (2%), Clark (1%), SanJuan (1%)Jefferson/Mason/Kitsap/Spokane/Cowlitz/GraysHarbor/Pacific/Benton/Lewis (less than 1%). These estimates are based onClearPoint's first quarter, 2012 counseling results.

Face-to-face services are available in Lakewood and Seattle. Phone counselingand internet-based marketing and education serve consumers statewide.ClearPoint will target outreach and marketing to regions most impacted by thecrisis. Currently 61% of clients ClearPoint counsels for mortgage defaultcounseling in Washington reside in zip codes with high* Intrastate ForeclosureRisk Scores according to data analyzed at the following link:http://www.foreclosure-response.org/maps_and_data/lisc_data.html. *Wedefined "high" risk as any zip code in the top 20% according to the Intrastate RiskScore in Washington.

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APPLICATION FOR FUNDS

— 5 —(Version Date: 5/18/2012)

G. Identify the total number of consumers you expect to serve during the life of thisgrant.The grant will enable ClearPoint to assist 3,060 consumers over two years. Thistotal includes:

-Personalized public benefits screening for 2,160 at-risk homeowners receivinghousing and financial counseling.

-One-on-one post-foreclosure counseling for 200 individuals who have beendisplaced due to the loss of a home.

-Foreclosure Recovery presentations in the community educating 200 attendees.

-Self-Directed Online Education for 500 consumers who will use ClearPoint'snew Foreclosure Prevention Education Portal.

H. If this is not a new project, describe what changes are being made to an existingproject.To achieve goals of a) increasing participation in the loan modification, mediationand meet/confer process; b) increasing the likelihood of successful resolutions forhomeowners, including loan modification, mediation and meet/confer process;and c) ameliorating the impact of the foreclosure crisis on displaced families, theprogram will include the following enhancements:

-Enhancement 1: Conducting a search engine and social media marketingcampaign to boost the number of homeowners who seek assistance from HUD-approved counseling agencies.

-Enhancement 2: Development of an online portal helping more homeownersunderstand their options for avoiding foreclosure. (Continued in Attachment 1)

I. Describe how net benefit or positive outcomes can be measured at the end of theproject.To ensure the program achieves desired outcomes, ClearPoint will measure:

-Number of counseled consumers who participate or plan to participate in themortgage modification, mediation or 'meet and confer' processes;

-Number of counseled consumers who achieve successful resolutions throughmortgage modification, mediation, or the 'meet and confer' processes;

-Number of consumers who access our online foreclosure prevention educationportal;

-Percentage of consumers completing the online portal claiming that the courseincreased their understanding of options for avoiding foreclosure; (Continued in

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APPLICATION FOR FUNDS

— 6 —(Version Date: 5/18/2012)

Attachment 1)

J. Have you applied for an equivalent grant in the past, and if so, to which entity andwhen?No. ClearPoint receives federal, state and local grants to offset outreach andcounseling costs associated with mortgage default counseling, mediation andfinancial education services for distressed homeowners.

We have not, however, received any grants to provide the additional tools andservices described in this proposal.

K. If you intend to collaborate with other organizations, please provide a letter ofsupport from that organization.See Attachment 2

L. Please provide an organization chart for your organization.See Attachment 3

M. Please provide three references familiar with organization’s activities and theircontact information.Dwight J. PrevoV.P. Community Development - Wells Fargo & Co.999 Third Ave., 47th Floor Seattle, WA 98104(206) 343-6461 [email protected]

Giselle SaguidProgram Director - Northwest Washington Women’s Business Center3015 Colby Ave. Suite 251 Everett, WA 98201(425) 423-9090

Lark Kesterke*Senior Financial Stability Manager - United Way of Snohomish County3120 McDougall Ave., Suite 200 Everett, WA 98201(425) 374-5506

*Lark is also Committee Chairperson of the Snohomish County Asset BuildingCoalition

7-008

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APPLICATION FOR FUNDS

— 7 —(Version Date: 5/18/2012)

V. PROJECT BUDGET

As noted previously, this grant must be used to provide additional services and not merelyreplace existing services or supplant existing funding. No current salaries or benefits may befunded using grants provided by the AGO unless expressly and explicitly granted, in advanceand in writing, by the Committee. The Committee reserves the right to request a more detailedbudget prior to selection.

A. Total Project amount:

Salaries: $65,786.00Goods and Services (identify): $17,070.00

Administrative Overhead $12,668.00Advertising or Outreach $32,268.00

Travel: $891.00Total: $128,683.00

B. What percent of your total project budget does this funding request represent?67%

C. If the project will be funded in part from other sources, identify those sources andthe funding amounts.ClearPoint has not secured funding to cover the remaining 33% of projectexpenses. Secondary sources of funding may come from foundations or, ifnecessary, directly from ClearPoint.

VI. PROJECT ADMINISTRATION

A. Identify within your organization who will be directly responsible for thefollowing project components: (a) administration, (b) fiscal, (c) service delivery.Attach a current resume for the agency director, and the lead project staff person,and a current agency organizational chart.Martha Lucey, ClearPoint's Pacific Region President, will be directly responsiblefor (a) Administration and (c) Service Delivery.

Gene Fitz, ClearPoint's CFO, will be directly responsible for (b) fiscal.

-As the lead project staff person Ms. Lucey's resume can be found in Attachment4.

-As the President and CEO, Chris Honenberger's resume can be found inAttachment 5.

-The organizational chart can be found in Attachment 3.

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APPLICATION FOR FUNDS

— 8 —(Version Date: 5/18/2012)

B. Describe what steps your organization will take to ensure that the project willserve its intended purposes and be completed on time.As one of the largest HUD-approved National Intermediaries in the U.S.,ClearPoint provides mortgage default counseling to over 12,000 homeowners peryear. In addition, as a sub-grantee of the National Foreclosure MitigationCounseling Program (NFMCP) in rounds one and two and a direct NFMCPgrantee in rounds three through six, ClearPoint has experience successfullyutilizing foreclosure-prevention counseling grants for their intended purposes. Asa result, our NFMCP funding increased exponentially from 2010 through 2012:

2010 - NFMCP Round 4: Received $78,4862011 - NFMCP Round 5: Received $1,571,2442012 - NFMCP Round 6: Received $2,659,761

(Continued in Attachment 1)

C. Describe how you plan to measure and evaluate the success of your project andinclude samples of evaluation tools if available.ClearPoint is fully committed to evaluating the project's success. Findings willhelp us determine program goals that were achieved and allow us to build a casefor expanding program enhancements to other states. In Attachment 1, ClearPointexplains how success will be measured throughout the project.

(Continued in Attachment 1)

VII. CERTIFICATION

I certify that I have the authority to submit this proposal, and that the information in this proposalis true and accurate. If my organization is faith-based, I understand that federal and state lawprohibit the use of public funds for religious worship, exercise, instruction or support of anyreligious establishment.http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htmhttp://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm

I understand that my organization will not receive reimbursement for any costs incurred inpreparing this proposal. If awarded funding, I understand that our proposal will be incorporatedinto the final contract.

Printed Name and Title: Martha Lucey, Pacific Region PresidentSignature (by entering name here,form is electronically signed):

Martha Lucey

Date: 6/29/2012

7-010

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ATTACHMENT 1 – EXTENDED RESPONSES TO THE APPLICATION PDF

IV: PROJECT PROPOSAL

H: If this is not a new project, describe what changes are being made to an existing project

(continued):

-Enhancement 3: Provide public benefits screening to homeowners who are struggling

financially using Washington Connection.

Enhancement 4: Provide post-foreclosure one-on-one credit counseling to help displaced

individuals and families rebuild their financial lives.

Enhancement 5: Provide post-foreclosure workshops to help displaced individuals and families

rebuild their financial lives.

Currently, the program consists of outreach to struggling homeowners, “Alternatives to

Foreclosure” workshops, holistic mortgage default counseling, assistance with mortgage

modifications, representation during the mediation/‘meet and confer’ process, and the

provision of debt management plans to homeowners with unsecured debt. While this broad

combination of services provides homeowners with many options for resolving their mortgage

problems, program enhancements described above will both help more families avoid

foreclosure and ameliorate the impact of the foreclosure crisis on those who have been

displaced.

I. Describe how net benefit or positive outcomes can be measured at the end of the project

(continued):

-Number of homeowners counseled by ClearPoint who are informed about benefits for which

they may qualify based on their personal information;

-Number of displaced individuals or families who receive personal finance- and housing-related

workshop education and the percent of these individuals who believe the education will help

them improve housing or financial stability

- Number of displaced individuals or families who receive one-on-one budgeting, credit,

housing and debt management counseling and the percent of these individuals who believe the

education will help them improve housing or financial stability

7-011

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VI: PROJECT ADMINISTRATION

B. Describe what steps your organization will take to ensure that the project will serve its

intended purposes and be completed on time (continued):

To ensure this project is completed on time and serves its intended purposes, ClearPoint will

monitor output of all services using reports generated through our Client Management System

(CMS), our educational workshop tracking database, and our online foreclosure prevention

education portal. By comparing actual activities performed and homeowners reached to our

24-month projections (consolidated version shown in table below) on a monthly basis, we will

ensure the project is on course to reach the forecasted number of homeowners and if

necessary, determine what changes should be instituted to boost output. As activities are

performed, ClearPoint will allocate allowable costs to the grant.

Consolidated Forecast of Project Deliverables by Quarter

Service Consumers Reached by Quarter

Q1 Q2 Q3 Q4 Q5 Q6 Q7 Q8 Total

Benefits Screening 90 203 311 311 311 311 311 312 2160

Displacement Counseling 8 18 29 29 29 29 29 29 200

Displacement Workshops 8 18 29 29 29 29 29 29 200

Online Prevention Portal 21 47 72 72 72 72 72 72 500

Total 127 286 441 441 441 441 441 442 3060

Metrics we will use to track progress towards program goals described further in Section VI, C.

C. Describe how you plan to measure and evaluate the success of your project and

include samples of evaluation tools if available (continued):

To measure impact of the program on homeowner participation in mortgage modification,

mediation or ‘meet and confer’ processes, ClearPoint will:

-Issue questionnaires to clients after they complete counseling sessions and the online portal

measuring the number and percentage of homeowners reached who plan to apply for a

mortgage modification or participate in mediation or ‘meet and confer’ processes.

7-012

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-Make at least three attempts to follow up with counseled clients by phone, email or a letter to

determine actual number and percentage of homeowners who applied for a mortgage

modification or participated in mediation or ‘meet and confer’ processes.

To measure whether the program helps to increase homeowner likelihood of avoiding

foreclosure, ClearPoint will:

-Issue questionnaires to clients following online portal and counseling sessions measuring the

percentage of consumers completing the course who believe ClearPoint’s program increased

their understanding of options for avoiding foreclosure.

-Use washingtonconnection.org to report on the number of counseled homeowners screened

for government benefits who may qualify for aid. Benefits claimed can help homeowners

generate additional income to meet their mortgage obligations.

-Make at least three attempts to follow up with counseled clients by phone, email or a letter to

determine actual foreclosure avoidance outcomes, such as mortgage modifications.

To determine whether the program ameliorates the impact of the foreclosure crisis on

displaced families, ClearPoint will:

-Report on the number of displaced individuals or families who created a personalized

household budget for managing expenses and received an action plan from a certified

counselor with suggesting steps for achieving goals of financial and housing security.

-Issue questionnaires to clients during or after foreclosure recovery workshops and counseling

sessions to assess the percent of displaced individuals or families who believe the program will

help them move towards goals of increased housing and financial stability.

The tools and reports described above will be new components to evaluate the impact of our

expanded program. We will gladly furnish actual questionnaires once they are developed if

requested by the Washington Consumer Foreclosure Remedies Fund Committee.

7-013

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                                                                                                                    CITY HALL – OFFICE OF THE MAYOR                 33325 8th Avenue South                 Federal Way, WA  98003‐6325  253 835‐2402 6/29/2012ConsumerProtectionDivisionWashingtonStateAttorneyGeneral’sOffice800FifthAvenue,Suite2000Seattle,Washington98104‐3188Attn:RichZwicker,ParalegalRE:LetterofSupportforFundingClearPoint’sMortgageDefaultandForeclosureRecoveryProgramDearWashingtonConsumerForeclosureRemediesFundCommittee:PleaseconsiderthisletterofsupportfortheproposalsubmittedbyClearPointCreditCounselingSolutions,requestingfundingtoexpanditsMortgageDefaultandForeclosureRecoveryProgram.ThisprogramprovidescounselingandeducationfromunbiasedHUD‐approvedhousingcounselors,aswellasresourcesthatwillhelphomeownersstabilizetheirfinancialsituationandtakeappropriateactiontoaddresstheirmortgageconcerns.Inaddition,theprogramwillenableClearPointtohelpindividualswhohavebeendisplacedduetoforeclosurerebuildtheirfinanciallives.ProgramssuchasthisareespeciallyimportantincommunitieslikeFederalWaythathavebeeninordinatelyaffectedbythehousingcrisisandtheeconomicrecession.BysupportingClearPoint’sMortgageDefaultCounselingandForeclosureRecoveryProgram,ClearPointwillempowerindividualsandfamiliestoavoidpreventableforeclosuresaswellasamelioratetheeffectoftheforeclosurecrisisonthemostaffectedfamilies.Sincerely,

Skip Priest Mayor

7-014

JSchildcrout
Text Box
ATTACHMENT 2 - LETTERS OF SUPPORT
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.-!!!.!!l Seattle-King County

~ Asset-Building Collaborative

6/28/2012

Consumer Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188

Attn : Rich Zwicker

RE: Letter of Support for ClearPoint Credit Counseling Solutions

Dear Washington Consumer Foreclosure Remedies Fund Committee:

Please accept this letter of support for ClearPoint Credit Counseling Solutions, in its request for funding to expand its Mortgage Default and Foreclosure Recovery Program.

ClearPoint Credit Counseling Solutions has been an active and effective member of the Seattle­King County Asset Building Collaborative and its Foreclosure Prevention Team. ClearPoint has

provided leadership in a number of our initiatives, including Financial Fitness Day, where it provides foreclosure prevention and housing counseling. ClearPoint provides counseling and education from unbiased HUD-approved housing counselors as well as resources homeowners need to stabilize their financial situation and take appropriate action to address their mortgage concerns.

By supporting ClearPoint's Mortgage Default Counseling and Foreclosure Recovery Program, ClearPoint will empower individuals and families to avoid preventable foreclosures as well as ameliorate the effect of the breclosure crisis on the most impacted families .

Sincerely,

Di~~ Director Seattle-King County Asset-Building Collaborative

206-275-1811 [email protected] www.skcabc.org

7-015

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6/28/2012

Consumer Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle. Washington 98104-3188

Attn: Rich Zwicker, Paralegal

RE: Letter of Support for Funding OearPoint's Mortgage Default and Foreclosure Recovery Program

Dear Washington Consumer Foreclosure Remedies Fund Committee:

Please accept this letter of support for 'the proposal submitted by ClearPoint Credit Counseling Solutions, requesting funding to expand its Mortgage Default and Foreclosure Recovery Program.

This program provides counseling and education from unbiased HUD-approved housing counselors as well as resources homeowners need to stabilize their financial situation and take appropriate action to address their mortgage concerns. In addition, the program will enable ClearPoint to heJp individuals who have been displaced due to foreclosure rebuild their financial lives.

By supporting CJearPoint's Mortgage Default Counseling and Foreclosure Recovery Program, ClearPoint wiJI empower individuals and families to avoid preventable foreclosures as well as ameliorate the effect of the foreclosure crisis on the most impacted families.

Dwight J. revo Vice Pres dent. Community Development Wells Fargo/Corporate Social Responsibility

IO/IO 39V'd 09dV'.:l Sll3M £1:>1:>9EI:>E98(: 51:>:(:1 (:18(:/8(:/98 7-016

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June 14, 2012

Rob McKenna Attorney General of Washington Consumer Protection Division 800 Fifth Avenue, Suite 2000, MS TB 14 Seattle WA 98104-3188 Dear Mr. McKenna: I am pleased to write to you in support of ClearPoint Financial Solutions, Inc., located at 8000 Franklin Farms Drive, Richmond, VA. I am certain that you will be as proud to work with this organization as we were in accrediting them.

ClearPoint Financial Solutions, Inc. is currently accredited through October 31, 2014 by the Council on Accreditation (COA). COA is an independent not-for-profit international accreditor of the full continuum of community-based behavioral health care and social service organizations for 30 years. Today, over 1800 organizations—public and private—are either COA accredited or are in the process of seeking accreditation. These organizations serve over 7 million of our most vulnerable individuals each year! COA accreditation is an objective and reliable verification that organizations such as ClearPoint Financial Solutions, Inc. qualify for your confidence and support. The COA accreditation process involves a detailed review and analysis of both an organization’s administrative operations—including financial practices—and its service delivery practices. All are “measured” against international standards of best practice. These standards emphasize services that are accessible, appropriate, based in the community, coordinated, culturally competent, evidence-based, individualized, outcomes-oriented, provided by a skilled and supported workforce, respectful of individual rights, strengths-based, supportive of partnership, child and family focused, treat all people with dignity, involve family and provider collaboration, and address child outcomes.

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Rob McKenna June 13, 2012 Attorney General of Washington Page 2 Consumer Protection Division COA reviews and accredits the entire organization, not just specific programs, therefore you can have confidence in the credibility, integrity and achievement of the entire organization. An endorsement of COA and the value of its accreditation process is reflected in it being named by the US State Department as the sole national independent accrediting body under the Hague Convention on Intercountry Adoption to accredit intercountry adoption service providers. In addition, COA is the only national accreditor designated by the U.S. Department of Defense to develop accreditation standards and processes for human service programs provided to military personnel and their families. To achieve COA accreditation, ClearPoint Financial Solutions, Inc. first provided written evidence of compliance with our standards. Thereafter, a group of specially trained volunteer Peer Reviewers confirmed adherence to these standards during a series of on-site interviews with trustees, staff and clients. Based on their findings, our volunteer-based Accreditation Commission voted that ClearPoint Financial Solutions, Inc. had successfully met the criteria for accreditation. At this time, we have no reason to believe that ClearPoint Financial Solutions, Inc. has made any significant changes to their policies and/or procedures that would justify our reconsidering their accreditation status. We will be pleased to provide you with any additional information that you may require as you review ClearPoint Financial Solutions, Inc.’s request. Please feel free to contact me either by email at [email protected] or by telephone at 212.797.3000, extension 260, if you have any questions. Sincerely,

Richard Klarberg President and Chief Executive Officer

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ClearPoint Financial Solutions,. Inc. – Managerial Organizational Chart – 2012Rev. 6/13/2012

Board of DirectorsInternal Auditor

President & CEOChris

Honenberger

Chief Chief AVP of Chief Regional Regional Regional R i l

Exec Asst. Al Bridger

Financial Officer (CFO) – Gene Fitz

Controller –Shari Adams

Compliance

Operating Officer (COO) – Jim Craig

Operations Director –

Sharon Eades

Customer Service

Director –Quintin Yarrell

Director of Financial

Counseling –Trish Geddes

Housing Counseling Director –

Martha Viramontes

AVP of Education &

Public Awareness –Allie Vered

Media Relations Director –

Bruce McClary

Chief Information

Officer (CIO) –George Merkle

Mgr of IT – John Richardson

gPresident -Atlantic -

Vacant

Regional Director –David Holt

Area Manager –

Sandy Morris

Regional President -Pacific –

Martha Lucey

Manager of Hispanic Market

Relations –Manuel Auza

Regional Director –

Keith Combs

Area

Regional President -Heartland -

Vacant

Regional Director –Jackie

Tammenga

Regional President -Northeast–

MaryAnn Stark

Regional Director –

Karyn Dettbarn

Director – Barry Coleman

Sr HR Generalist –

Tracy Skinner

Training –James Sclater

Retention AsstMgr – Andy Sangiuliano

Cred Disb Ast. Mgr – Anne

Dailey

Client Svc AsstMgr – Crystal

Harris

Client Svc Asst Mgr – Vacant

Client Svc Asst

Internet AsstMgr – Rebecca

Gershowitz

Housing Grants Coordinator –Susan Ulaga

Sandy Morris Area Manager –

Sadie Campos

Area Manager –

Karla Priego

Area Manager –

Gary Patterson

Area Manager –

Rose Perkins

Client Svc AsstMgr – Michelle

Briggs

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ATTACHMENT 4-PROJECT LEAD RESUME

MARTHA LUCEY

3012 Hanson Ave. (559) 291- 2917 Clovis, CA 93611 [email protected] Profile: Notable experience in diverse settings including non-profit management, marketing, and

engineering. Successful record of strategic planning and tactical execution.

PROFESSIONAL EXPERIENCE CLEARPONT CREDIT COUNSELING SOLUTIONS 2009-Present

President, Pacific Region

Oversee operations in 14 branch offices in California, Oregon and Washington. Strategic oversight of housing counseling operations nationwide. Foster local, regional and national funder relationships. Direct national Hispanic market initiative and relationships with six Mexican Consulates.

BYDESIGN FINANCIAL SOLUTIONS 2004-2009

President & CEO 2007-2009

Provided strategic and tactical oversight to organization with revenues of $4 million. Developed nationally recognized housing counseling program Raised over $2 million to support default counseling in eight of the hardest hit foreclosure

markets in the nation Helped to shape credit and housing legislation in California Provided testimony to the California legislature, and served as a speaker and conference

panelist for the Federal Reserve, F.D.I.C. and mortgage lending forums

Executive Vice-President 2004-2007

Responsible for education, marketing and fund development in non-profit organization. Developed and launched Financial Firsts youth financial education program Developed strategic fund development plan that raised over $1 million in first two years

CONSUMER CREDIT COUNSELING SERVICE, Fresno, CA 2001-2004 President and CEO

Provided strategic and tactical oversight to non-profit organization with revenues of $900,000.

ENTREPRENEURIAL RESOURCE CENTER, Fresno, CA 1999 - 2001 Director

Managed all functions of agency dedicated to providing training, resources, and support to budding entrepreneurs. Administered $1 million annual contract to train and support 230 people in small business start-up. Recruited, hired and developed staff of 9-15.

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MARTHA LUCEY

page 2 of 2

PROFESSIONAL EXPERIENCE (continued)

ROADWAY EXPRESS, INC., Akron, Ohio 1991 - 1999 Marketing Manager, E-Commerce 1997 - 1999 Conducted strategic planning of customer-based E-commerce systems. Managed the development, promotion, and sales support of systems including corporate web site, PC programs, EDI, and automated voice systems. Administered $5.8 million electronic commerce budget.

Coordinator of Field Engineering 1995 – 1997

Operations Engineering Supervisor 1994 - 1995

Engineering Project Manager 1991 - 1994

GENERAL TIRE Akron, Ohio 1990 - 1991 Project Manager Successfully managed complex integration Continental Tire’s North American logistics operations into General Tire’s logistics operations. Functions integrated included warehousing, inventory planning and control, and international and domestic traffic.

PHILIPS LIGHTING, Somerset, New Jersey 1989 - 1990 Logistic Analyst Managed projects in Logistics Engineering and Warehousing to increase order fulfillment rates at lower total cost. Maintained and updated $20 million product forecast leveraging simulation models and data mining. Developed accurate four-year financial forecast.

EDUCATION

M.B.A., Management Information Systems, Case Western Reserve University, Cleveland, OH B.S., Logistics, Penn State University, State College, PA

AFFILIATIONS

Better Business Bureau of Central California Treasurer No Homeowner Left Behind Board Member

California Coalition for Quality Credit Counseling Committee Member Bank on Fresno Financial Education Design Team

Leadership Fresno, 2001

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ATTACHMENT 5 – AGENCY DIRECTOR RESUME

Christopher J. Honenberger

Christopher J. Honenberger has over 30 years experience in corporate, commercial and real estate law as well as in commercial banking and finance. He is a graduate of the Mason School of Business and the Marshall-Wythe School of Law, both at the College of William & Mary. Before coming to ClearPoint, Chris was a principal at Lenhart Obenshain, LC. Chris’ corporate experience includes over six years as President and CEO of Second Bank & Trust, now a portion of Stellar One. He has held memberships in the Virginia State Bar, the Virginia Bar Association, and the Virginia Bankers Association. Chris has served on, and in many cases, chaired corporate boards, community boards and regional / national Boards of

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Trustees and /or Directors including the William & Mary Law School Foundation, Central Virginia Better Business Bureau, The Virginia Bankers Association and The National Foundation for Credit Counseling. Mr. Honenberger is committed to growing ClearPoint through strategic alliances with organizations that share in the agency's core mission of providing Consumer Health through Financial Education. He serves alongside 15 voluntary members of ClearPoint's board of directors who represent major business, professional, and educational organizations around the country.

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