table of contents · from the real estate division and county attorney’s office. additionally,...

TABLE OF CONTENTS

I. INTRODUCTION………..……………………………………………………………….1

II. GRANTEE INFORMATION…………………………………………………………….2

III. AREA OF GREATEST NEED…………………………………………………………3

A. Neighborhood DescriptionB. Market Conditions C. Market Demand D. Conclusions

IV. LOW INCOME TARGETING…………………………………………………………10

V. ACQUISITION RELOCATION……………………………………………………….11

VI. PROGRAM ACTIVITIES……………………………………………………………...11

VII. DEFINITIONS ……………………………………………………………………...….18

A. Blighted StructuresB. Affordable RentsC. Ensuring Continued AffordabilityD. Housing Rehabilitation Standards

VIII. SECTION 3/VICINITY HIRING…………..………………………………………….19

IX. TARGET AREA IMPACT…………………………………………………………….20

X. PUBLIC COMMENT…….……………………………………………………………20

XI. CERTIFICATIONS …………………………………………………………………..21

INTRODUCTION

Section 1497 of the Wall Street Reform and Consumer Protection Act of 2010 (Dodd- Frank Act) approved July 21, 2010, appropriated $970 million in assistance to states and units of local government for the redevelopment of abandoned and foreclosed residential properties. The funding created under this law is considered part of the Community Development Block Grant (CDBG) program and regulated by the U.S. Department of Housing and Urban Development (HUD). It is referred to as the Neighborhood Stabilization Program 3 (NSP3). Orange County, Florida was awarded an allocation of $11,551,158 under NSP3 to stabilize neighborhoods that have been negatively impacted by foreclosed, vacant, or abandoned properties. NSP funding targets financial resources to respond to the decline in neighborhoods as a result of the housing crisis.

To develop an effective NSP3 program and meet production deadlines, Orange County must make strategic program choices. To this end, Orange County has developed this Action Plan with an emphasis on the following core components:

• Selection of a NSP3 Target Area • Identifying Community Goals• Efficient Program Delivery

NSP3 Target Area

Orange County must target its funds to one or more areas of greatest need in its jurisdiction and has the flexibility to define these areas. The selected target area must be located in the top 20 percent of foreclosure needs scores. This score is provided by HUD, and is an indicator of the geographic area’s need for NSP3 assistance. The minimum need score for a selected target area is 17. Once the target area has been selected, an assessment of the market characteristics for the jurisdiction as a whole, as well as the proposed target area was conducted. The assessment was also useful in determining the program design for NSP3. Some of the market information reviewed included: sales volume, age of listings, foreclosed units, and abandoned or vacant units.

Community Goals

Orange County solicited meaningful input from community residents, in particular from residents of the targeted neighborhood in determining what can be achieved with NSP3 funds. Some examples of Housing and Community Development goals for our NSP3 initiative are as follows:

• Decrease the number of dilapidated and/or vacant units• Enhance housing affordability• Increase level of homeownership• Increase availability of rental housing

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• Build capacity of local housing developersProgram Delivery

At the conclusion of our assessment of the NSP3 target areas and community goals, we proceeded to adopt an efficient and expeditious program delivery structure. This assessment also included a review of staff capacity, existing organizational structure, and external partners. The program delivery method selected for our NSP3 program will utilize the County’s Housing and Community Development Division, with support from the Real Estate Division and County Attorney’s Office. Additionally, our not for profit partners, private developers, and community residents will participate in implementing this program.

Orange County has been in the fore front of the national foreclosure crisis, which has negatively impacted our community. The number of foreclosure filings in our county in the past three years has been staggering. In 2008 there were 26,131 foreclosure filings; in 2009 the filings peaked to 31,308, and in 2010 the number of filings dropped from the previous year to 17,203. In 2010, many financial institutions implemented a self imposed moratorium on foreclosure filings to review procedures. This action resulted in a substantial reduction in the number of foreclosure filings in 2010.

Orange County welcomes the opportunity to participate in the Neighborhood Stabilization Program 3 administered by the United States Department of Housing and Urban Development. In an effort to address the rising number of foreclosures, Orange County has developed this NSP3 Action Plan which will be considered a substantial amendment to the 2010-2011 Action Plan approved by the Board of County Commissioners. Orange County’s Plan identifies the Pine Hills Community as the area of greatest need. Additionally, the plan describes the proposed activities in detail, and discusses a comprehensive and coordinated implementation approach with other initiatives planned for our targeted area. The following are details concerning the county’s eligibility, amount, and proposed uses of funds, income targeting, citizen participation, and related information. The plan will also confirm that Orange County has the organizational capacity, management structure, and oversight capabilities to competently administer the NSP3 Program.

GRANTEE INFORMATION

If you are interested in getting additional information about our NSP3 program, you are welcome to use the following information to contact us:

Jurisdiction(s): Orange County, FloridaJurisdiction Web Address: www.ocfl.net/housingNSP Contact Person: Mitchell Glasser Address: 525 E. South St., Orlando, FL 32801 Telephone: (407) 836-5191Fax: (407) 836-5193E-mail: [email protected]

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AREA OF GREATEST NEED

Orange County reviewed data from HUD’s mapping tool as well as locally obtained foreclosure data to identify areas of greatest need. We limited our review to areas that had a need score of 17 or greater.

The area selected for our NSP3 program, is in our opinion an area in which our investment can have an impact and stabilize the neighborhood. The Pine Hills community exemplifies many of the characteristics worthy of being an NSP3 target area. The area has the highest foreclosure need score, high number of delinquent and foreclosed homes, large number of vacant homes and large percent of high cost mortgages which indicate predatory lending practices. Our NSP3 investment, and additional investment from Orange County and the private sector will be an impetus to the Pine Hills Community becoming a stable, sustainable, and integral component of our overall community.

A. Neighborhood DescriptionThe target area for the NSP3 Program is comprised almost totally of the area referred to, locally, as Pine Hills. The Pine Hills map generated at the HUD nsp3 mapping tool website is attached as Exhibit 1. The Pine Hills Community is ripe for redevelopment given its proximity to downtown, its street grid, solid housing stock and available sites for redevelopment. The Pine Hills Community is one of Orlando’s oldest communities and is comprised of approximately 70,500 residents and 24,779 households. The population has grown by about 5 percent since 2000 and is expected to increase by over 6 percent by 2015. Growth in new household formations has been modest and lagged population growth, leading to an increase in persons per household. This may be a result of tougher economic times with loss of wages and foreclosures causing people to “double up”.

There are a mix of residential and non residential uses which include single-family, multi-family residences, retail, food service and office uses. The median household income of $40,013 is 66 percent of the County Median income of $60,900 and more than 43 percent of households earn less than $35,000. With unemployment in Orange County now at 11.2 percent, this neighborhood is truly impacted. The top seven industry sectors which employ nearly 55 percent of all community residents include retail, accommodation/food services, healthcare, construction, finance, insurance, and real estate services.

B. Market ConditionsOne of the major attributes of the Pine Hills Community is the overall strength of its neighborhoods with more than 65 percent of the residences being owner-occupied. Pine Hills has one of the highest homeownership rates in the entire metro area, an asset of significant importance for community support of redevelopment efforts.

It is anticipated that we should expect uneven sales patterns during 2011. We had a temporary slow down after the homebuyer tax credit ended, however, we

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are seeing buyers who are responding to the record low-interest rates and enticingly low home prices. The low prices especially in our Pine Hills area have contributed to our ability to assist 45 homebuyers in the area under NSP1. Most of our market analysis of the Pine Hills target area will be based on our review of data from the 32808 and 32818 zip codes which makes up most of our target area.

1. Sales Volume/Sales Price (Sq. Ft.) Days On Market

According to the Orlando Regional Realtor’s Association (ORRA) sales statistics for Orlando, in October 2010 there were 1,285 units sold and these units were on the market an average of 91 days. In November 2010 1,848 units sold with an average of 93 days on the market. The Orange County average sales price was $148,610 and the median sales price was $105,000. In November the average sales price was $142,106 and the median was $102,500. The average price per square foot was $84.82 per square foot in October. In November the average price per square foot was $82.45. The year end average for 2010 was $84.73 per square foot throughout Orange County, excluding December’s 2010 figures. Total sales was 28,602, up 19.57 percent from last year. In Orange County homes of all types spent an average of 97 days on the Market. Homes in the 32808 spent 94 days on the market and homes in 32818 spent 91 days on the market. For the Pine Hills area in the fourth quarter 32808 saw 144 sales with an average sales price of $49,885, of that figure 75 were bank owned and 36 were short sales. In the Pine Hills 32818 zip code there were 104 units sold in the quarter with an average sales price of $77,335. Of that number, 61 were bank owned and 20 were short sales. The following table illustrates the sales activity within our proposed Target Area:

Table 1.

BO=Bank owned SS=Short sales

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Pine Hills Sales in 3rd and 4th Quarter of 2010Zip Code Jul. Aug. Sept.

Totals 3rd Quarter

Units BO SS Unit

s BO SS Unit

s BO. SS Units BO SS32808 47 28 9 52 33 10 60 34 14 137 81 2832818 45 23 15 47 29 8 38 23 8 130 75 31

Zip Code Oct. Nov. Dec.

Totals 4th Quarter

Units Bo. SS Units BO SS Units BO. SS Units BO SS32808 43 26 9 45 22 10 56 27 17 144 75 3632818 35 24 4 40 22 9 29 15 7 104 61 20

Short sales make up 22 percent of all single family sales in our target area in the last two quarters. Bank owned properties make up 57 percent of sales. This means that only 32 percent of sales were conventional.

2. Availability of Credit

Credit availability has tightened as lenders require more stringent standards for Federal Housing Administration (FHA) insured loans, exceeding what the agency itself requires. In October 2010 the FHA began using minimum Fair Isaac Corporation (FICO) scores. Borrowers with a FICO score of lower than 580 are required to put down 10 percent and must have at least a score of 640 in order to put the minimum of 3.5 percent down. FHA loans account for a third of first time home buyers. The FHA, VA, Fannie Mae and Freddie Mac have been providing the majority of new mortgage financing. At the same time credit scores are dropping because of the economy and unemployment.

3. Absorption Rate

In order to calculate the Pine Hills neighborhood absorption rate for the 32808 and 32818 zip codes, the total number of the last six months of sales was divided by the number of months 515/6=85 to arrive at the average sales per month. In order to determine the absorption rate and whether or not there exist an oversupply in the market, the current number of available listings for the month of January 2011 was then divided by 85. This calculation has resulted in a 7.3 (624/185) months of supply in the Pine Hills Area. This data suggests that there is a slight oversupply and the market has become somewhat sluggish.

4. Age of Listings

The average days on market in 2010 the Pine Hills target area is 92 days according to the Orlando Regional Realtors Association. Properties that are currently available in our NSP1 program, and are located in the target area have been on the market an average of approximately 110 days and counting.

5. Unemployment Rate

According to recently released Department of Labor statistics, unemployment figures for Florida reached a record high of 12 percent, the highest rate since 1975. The Orange County figure is 11.2 percent as of January 2011. The unemployment rate in the Pine Hills area is 11.2 percent.

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6. Foreclosed units

The number of completed foreclosures that became bank owned properties from July 2009 to June 2010 was 578 units. As of March 2010, approximately 23.98 percent of the households were more than 90 days late on their mortgage. There were 1963 foreclosure starts in the year period between March 2009 and March 2010. In the last two quarters of 2010, foreclosures made up 57 percent of all sales.

7. Abandoned or Vacant Units

The following statistics apply to the Pine Hills area:• Number of abandoned and vacant units: 1693; • There were five homes within the target area that that were actually

demolished because they had been abandoned and hazardous to public health and safety.

8. Density of Eligible Units (foreclosed, vacant or abandoned property)

An important component of our assessment of the target area is the density of existing foreclosed, vacant or abandoned units. To arrive at this number, we divided the total eligible units provided by HUD (1963) by the total acreage (15.7) within our target area. This resulted in a density of 125 units per square mile.

9. Level of required rehabilitation

Most of the housing stock within the target area is older, and will need a substantial amount of rehabilitation. We will also incorporate energy efficiency improvements in the homes acquired with NSP3 funding. These improvements will reduce the monthly utility costs for low income families, and ensure long term affordability.

10. Price Volatility

Home prices in Orange County have been dropping every year since 2006 with an average decline in value of 11 percent per year. Our experience with NSP1 homes in the Pine Hills area shows a decline in value from 2 to 4 percent on average from the time of acquisition to the time of resale.

11. Level of Home Ownership

According to 2010 Claritas data, Pine Hills has one of the highest homeownership rates in the county. A total of 65 percent of area residences are owner-occupied. 1There are currently 14,778 owner-

1 This information was derived from the Pine Hills Market Analysis prepared by Real Estate Research Consultants, Inc.

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occupied units, 7,822 renter occupied units. Approximately 69 percent of the housing stock is single-family detached.

12. Existing Redevelopment Assets

While Pine Hills is a neighborhood rich in social capital and redevelopment potential, private disinvestment, especially since the economic downturn, has impacted the area. The Pine Hills area does have many positive assets. Orange County has turned its attention to supporting redevelopment efforts by investing in schools, transportation and transit development. Additionally, parks and trails are also an important part of the overall strategy.

The Orange County School Board is investing $75 million for the construction of Maynard Evans High School on Silver Star near Pine Hills Road. The total redevelopment of an aging school located in the center of Pine Hills is a major community redevelopment project. The school is slated to be a high school and community school with many after hour programs for the residents of Pine Hills. Additionally, the county is making an investment in transportation capacity and transit. Capacity projects include the widening to six lanes of both State Roads 50/Colonial Drive from Good Homes to Pine Hills Road and State Road 438/Silver Star Road from W. Clarke Road to Hiawassee. These road projects are identified in the County’s Comprehensive Plan scheduled in the current year. 2Pine Hills Road, which is operating at capacity, will benefit from the new Activity Mobility Area designation, which removes concurrency requirements and allows for land use changes that support superior transit availability.

Currently Lynx provides transit service within Orange County. There are nine bus lines that operate within Pine Hills. All major community facilities in Pine Hills are served by Lynx, and Lynx operates a transfer station at the Park Promenade Plaza on Hiawassee Road at Silver Star Road. There are three recreational facilities serving Pine Hills residents including Barnett Park, Orlo Vista Park, and Rolling Hills Little League. There is one boat launch facility located at Lake Lawne.

Through its Capital Improvement Program, the County has programmed funds for a neighborhood trail, to be known as the “Pine Hills Trail,” in the Pine Hills target area, oriented north-south, and located west of Pine Hills Road.

2 Concurrency refers to the Florida Statue 163.380 requirement that adequate public facilities must be in place or “concurrent” when demand created by a proposed project comes on line.

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13. Redevelopment Efforts/Recent Public/Private Investment

Currently, Orange County is expending great deal of effort into jumpstarting economic redevelopment in the Pine Hills community. This is especially important, since many Pine Hills home owners were subject to subprime lending during the boom years between 2004 and 2007. The Pine Hills Task Force was created to coordinate redevelopment efforts. In 2004 the Pine Hills Land Analysis and Strategic Plan was undertaken and a full economic market analysis was completed this past November. One of the findings in the study was that there were many unattractive and uninviting structures in the area as well as an existing imbalance between the market demand and the existing inventory. An important recommendation gleaned from the public input was a need for multi-family “Town Center” to be located at the intersection of Pine Hills and Silver Star Road. This location is the center of the NSP 3 target area and the Center of the Pine Hills Community. The Orange County School Board is investing $75 million to build the new Maynard Evans High School located close to the Silver Star intersection. Additionally $7 million of NSP1 funds have been committed to partner with a private developer to redevelop 264 units of low income rental housing in what had become a blighted development that had gone into receivership. Long-term commitment to the neighborhood has been solidified by the Task Force empowered by the Board of County Commissioners. Land use changes along primary corridors to permit mixed use/transit oriented development are underway as are transportation and transit service improvements as detailed in our Comprehensive Plan.

14. Factors That Could Impact Success

On the purchase side, investors have been very aggressive in purchasing properties throughout the County. Investors are not subject to the same rehabilitation restrictions to which the County is subject. This makes purchase of units a little more challenging. To address this dilemma the County has been working with The National Community Stabilization Trust (NCST), and has had success purchasing through this resource. According to most analysts, a wave of new foreclosures is forthcoming as many institutions slowed foreclosures in October and November 2010 due to investigations into foreclosure procedures.

Neighborhood perception is another hurdle that we must overcome in order to market certain sections of the Pine Hills Area. Although crime has come down over the past few years, economic instability can have a devastating effect on neighborhood cohesion. Selling NSP homes can be challenging. Buyers have tighter credit requirements and homes need extensive rehabilitation. However, the right combination of quality renovation work coupled with the right sales price and homebuyer incentives like down payment can make NSP homes an attractive purchase. A Rent-to-own option under NSP 3 may be an alternative that

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will help build capacity for those with lower median incomes and help stabilize neighborhoods.

C. Market Demand

1. Rental Vacancy Rates:

According to a survey of seven multi-family rental complexes within our target area, lease up times vary depending on the age of a unit and proximity of property to transit and retail services. Vacancies ranged from as low as 2 percent to as high as 20 percent. Newer facilities are leased immediately with older facilities having a higher vacancy rate. One complex did complain that the vacancy was up to due to long-term road construction.

2. Prevailing Rents and Sales Prices: In a survey done of 6 multi-family complexes prevailing rental rates range from $530 to $800 for a one-bedroom. Two bedrooms range from $629 to $1,100 and three bedrooms run from between $729 and $1,500.

The chart below is an illustration of the sale price comparison in the Pine Hills 32818 zip code and Orange County average prices. The average price has been closely aligned throughout the 5-year period with an $18,000 price differential in 2006 and a $23,000 price difference in 2009-2010. In the 32808 zip code, conversely, has average prices almost half that of the County’s in the same period.

3. Sales Prices:

Table 3

Data obtained from the Orlando Regional Realtors Association

D. Conclusions

According to analysts, Orlando's home prices are expected to continue edging downward through at least the first six months of the year. The abundance of bank-owned properties and short sales which still constitute half to two-thirds of

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the area's existing-home sales, needs to be absorbed in order for the market to stabilize.

Distressed sales peaked in early 2009 in other parts of the country, but in Orlando the proportion of distressed sales in the market remains so high that homeowners who aren't underwater with their loans continue to compete against foreclosures.

It is likely that there will continue to be an increasing supply of distressed homes on the market over the short run. Investors are vigorously purchasing homes in Pine Hills, especially in the 32808, where the median purchase price is around $50,000. These investors will most likely create an abundance of rental opportunities. But the quality of the rehabilitation and property management services is an unknown. Many investors are receiving rents that cover their debt service. However the long-term strategy may be to hold properties until the market returns. In which case, our target area with its good infrastructure, underperforming strip malls, cheap properties and proximity to downtown has all the underpinnings of an ideal redevelopment opportunity. The existing social capital and pride of ownership was the cohesive factor keeping the community together despite the previous disinvestment in the area.

The metro area has had some success creating jobs in the training-simulation and medical fields, and the tourist industry is starting to see a slow turn around. The construction industry and those employed by the construction industry will be impacted as builders can’t compete with the distressed resale product.

Home buyers are being extremely prudent at this time, not wanting to overextend their credit and wanting to move into energy efficient homes. Home affordability is at its best which should help with creating a demand for our NSP3 homes in the Pine Hills area.

LOW INCOME TARGETING

At a minimum, Orange County will set aside 25 percent of the total NSP3 award for individuals or families whose incomes do not exceed fifty percent (50%) of Orange County’s Area Median Income. Households in this income group earn $30,650 or less annually for a family of four, adjusted by household size.

The low income targeting requirement represents approximately $2.8 million of the total NSP3 funding allocation. Activities to serve this population will include homeownership and rental housing activities. Specifically, Orange County intends to purchase foreclosed or abandoned residential properties for the purpose of providing affordable homeownership or rental housing to individuals or families earning less than 50 percent of the Area Median Income. Additionally, Orange County will continue to partner with Habitat for Humanity of Greater Orlando to acquire, renovate and sell residential properties within the target area to low income households. Residential properties acquired for low-income rental will be rehabilitated and managed as long term

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affordable rental housing. Conversely, homes sold to low-income families will comply with our long term affordability requirements.

ACQUISITION AND RELOCATION

As required under the NSP3 Program, Orange County will act in a responsible manner in complying with the requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970 and the provisions of the Protecting Tenants at Foreclosure Act (PTFA), Title VII of the Helping Families Save Their Home Act of 2009. To ensure compliance for all acquired properties, Orange County will document the date of foreclosure by the seller or Initial Successor In Interest (ISII) of the property to be a minimum of 90 days prior to the date of acquisition.

Orange County will document in writing from the ISII that the seller has complied with the provisions of the PFTA in connection with the property, including a notice to vacate as required pursuant to PFTA to any bona fide tenant of the property if any such tenant was in possession of the property prior to the seller’s notice of foreclosure.

At the time of the acquisition of the property by the buyer/grantee, the property will be delivered vacant, unoccupied and without any party in possession or with a right to possession to the property.

Further, if the property is not occupied at the time of contact with the seller, the seller will certify and agree that it has not and will not allow any person, including the former owner to occupy the property under a lease or any other agreement for possession of the property either oral or written.

If the ISII will not or cannot demonstrate compliance with the NSP tenant protection requirements and vacated the property contrary to the NSP requirements, then Orange County will choose to abandon the transaction as NSP3 funds cannot be used for such properties.

PROGRAM ACTIVITIES

Orange County will implement the following NSP3 activities within the Pine Hills target area.

Activity Number 1Activity Name Homebuyer Assistance Program

Uses

Select all that apply: Eligible Use A: Financing MechanismsEligible Use B: Acquisition and RehabilitationEligible Use C: Land Banking Eligible Use D: DemolitionEligible Use E: Redevelopment

CDBG Activity or Activities 570.201(a); 570.201(n); 570.206

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National Objective To benefit low, moderate and middle income households

Activity Description

This NSP3 activity will provide financial mechanisms related to acquisition of homes by low, moderate and middle household homebuyers. The tenure of the beneficiaries is homeownership. To ensure long term affordability, a mortgage and note will be recorded for a minimum 15 year period.

Financial mechanisms may include gap financing, down payment and closing costs assistance, and lease purchase incentives. The assistance will be structured as a forgivable zero percent interest loan over a period of 15 years. The loan will not be amortized and will be forgiven and satisfied after a 15 year affordability period. However, the full amount of the assistance will be repayable if the property changes title or homeownership requirements within the first 15 years. The discount requirements for the NSP3, and all other requirements will apply to all properties and households assisted.

Eligible homebuyers will be required to complete a required homebuyer education class as administered by an approved agency, and have obtained first mortgage financing at a reasonable and fair market interest rate.

Location Description Pine Hills Target Area

Budget

Source of Funding Dollar Amount NSP3 $1,500,000

Total Budget for Activity $1,500,000

Performance Measures It is anticipated that 50 homeowners will be assisted under this activity.

Projected Start Date May 1, 2011Projected End Date April 30, 2014

Responsible Organization

Name Orange County, FloridaLocation 525 E. South St., Orlando, FL

32801Administrator Contact Info

407-836-5190, [email protected]

Activity Number 2Activity Name Acquisition, Rehabilitation, and Resale for homeownershipUse Select all that apply:

Eligible Use A: Financing MechanismsEligible Use B: Acquisition and RehabilitationEligible Use C: Land Banking Eligible Use D: Demolition

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Eligible Use E: RedevelopmentCDBG Activity or Activities 570.201(a); 570.201(b); 570.201(i); 570.201(n); 570.206



Orange County will use the services of staff from the Housing and Community Development Division and Real Estate Management Division for the purpose of acquisition, rehabilitation and sale of suitable properties within the Pine Hills targeted neighborhood. The properties will be purchased at a minimum 1 percent discount of the current appraised value from eligible financial institutions. Once the acquisition has been consummated, Orange County Housing and Community Development will solicit bids for rehabilitation work to be conducted using an updated list of general and trade contractors previously obtained through NSP1 Request For Qualifications.

To encourage potential buyers of NSP homes, homebuyer incentives like down payment, principal reduction assistance up to $20,000 will be provided. Additionally, closing costs assistance will also be provided. A forgivable 15 year non-amortizing second mortgage will be recorded on the property. The second mortgage will be due and payable in full if the property is sold or ceases to be owner occupied prior to the completion of the 15 year period. The tenure of the beneficiaries is homeownership.

Homes acquired under NSP3 will be inspected and assessed for rehabilitation needs. Repairs will be conducted on acquired properties to ensure compliance with local code and to increase the sustainability, comfort, safety and energy efficiency of these properties. Rehabilitation of acquired properties will adhere to the housing rehabilitation standards developed for the NSP program and located on our web site at www.ocfl.net/housing. All work conducted will be subject to federal and local compliance, environmental regulations and procurement procedures.

Upon completion of rehabilitation, residential properties will be marketed for sale via the Orange County NSP website and the local Multiple Listing Service. Eligible homebuyers will be required to complete a required homebuyer education class as administered by an approved agency, and have obtained first mortgage financing at a reasonable and fair market interest rate. The sales price of the home to a qualified buyer will not exceed the initial acquisition and rehabilitation costs. The properties will be offered to homebuyers with an annual income below 120 percent AMI.

If a property has not been sold after 12 months, the property may be offered as an affordable rental or lease purchase activity

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http://www.ocfl.net/housing


Budget


Total Budget for Activity $6,896,042Performance Measures

It is anticipated that 41 homeowners will be assisted under this activity.

Projected Start Date May 1, 2011

Projected End Date April 30, 2014


Name Orange County, FloridaLocation 525 E. South St., Orlando, FL

32801Administrator Contact Info 407-836-5190,

[email protected]

Activity Number 3Activity Name Acquisition and Rehabilitation for Rental Housing

Use


CDBG Activity or Activities 570.201(a); 570.202(a); 570.206

National Objective To benefit low, moderate and middle income households Activity Description

Acquisition of Foreclosed Upon Properties for Rental HousingThis activity consists of purchasing foreclosed homes or residential properties to provide rental housing. Most of the units acquired for rental activities will be designated for very low income persons (earning 50 percent or below AMI). This activity is targeted to meet the required 25 percent of NSP3 funds for this income category. The properties may consist of single family or multifamily housing.

The tenure of the beneficiaries is affordable rental housing. The duration of the assistance will be determined by a Land Use Restriction Agreement (LURA) for a period no less than 15 years. Properties purchased for rental housing will be obtained at a discounted rate of no less than 1 percent discount of the current market appraised value. A preference will be provided for the development of rental housing as required under the NSP3

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program.

Eligible participating for profit or non profit housing agencies will acquire title and ownership of the property to serve low, moderate, middle income individuals and families at 50 percent AMI. Continued affordability will be ensured through a contractual Land Use Restriction Agreement for a minimum of 20 years. Annual monitoring of the properties will be conducted to ensure continued affordability of the property. Any loans, deferred mortgages and/or financing mechanisms used in conjunction with this activity will be at acceptable market interest rates as necessary to make the project feasible and affordable to the targeted income group, which is households at or below 50 percent AMI. Any additional funds necessary to make the property financially feasible will come from other resources. If the property is sold or does not meet affordable rental programmatic requirements, Orange County will have the right to begin legal action to reclaim ownership or transfer of the property to another qualified for profit or non profit housing agency.

In accordance with NSP3 regulations, a profit cannot be earned on the disposition of these properties and any program income received from the sale or rental of assisted units will be recycled for eligible NSP3 activities


Budget

Source of Funding Dollar Amount NSP3 $1,800,000 State Housing Initiatives Partnership (SHIP) $1,000,000

Home Investment Partnership Program $1,000,000

Total Budget for Activity $3,800,000Performance Measures

It is anticipated that 325 units will be acquired, rehabilitated, and leased to low-income renters.




Name Orange County, FloridaLocation 525 E. South St. Administrator Contact Info 407-836-5190,

[email protected]

Activity Number 4

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Activity Name Demolition of Blighted Properties

Use


CDBG Activity or Activities 570.201(d)



The activity addresses the need to create decent and suitable living environments in the NSP3 target area of Pine Hills. While the activity initially may not benefit income qualified persons individually, all properties demolished will provide an area benefit. The activity applies to structures located in our NSP3 neighborhood that are considered a threat to human health, safety and public welfare. Demolition of blighted properties may be considered necessary to mitigate the adverse effects that blighted structures have on property values and neighborhood appearance. In order to secure our NSP3 investment, a lien will be placed on the property for the amount of our demolition costs. If the blighted structure was acquired and demolished with NSP3 funds for either homeownership or rental activities, long term affordability requirements described in Activity #2 or #3 (Disposition of Acquired Properties for sale and for rent, and Acquisition, Rehabilitation, and Resale for homeownership) will apply. In this case, the tenure of the beneficiaries of this activity may be rental or homeownership.


Budget

Source of Funding Dollar Amount NSP3 $100,000 (Other funding source) $ (Other funding source) $

Total Budget for Activity $100,000Performance Measures It is anticipated that 10 homes will be demolished




Name Orange CountyLocation 525 E. South St.., Orlando, FL 32801Administrator Contact Info

407-836-5190, [email protected]

Activity Number 5

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Activity Name Redevelopment of Demolished Properties

Use


CDBG Activity or Activities 570.201(a); 570.201(b); 570.201(i); 570.202



It is also conceivable that our efforts to stabilize neighborhoods may be diminished by the presence of blighted structures in close proximity to our NSP3 activities. To mitigate the adverse affects of these structures, we will demolish structures in our target areas that are deemed unfit for habitation. We anticipate that 1 units will be redeveloped and corresponding income levels assisted under our redevelopment activity #2 or #3.

These properties may be redeveloped into affordable rentals or owner occupied units through new construction. The tenure of the beneficiaries of these activities is both homeownership or rental, as necessary. For homeownership activities, a 20 year, zero interest on amortizing second mortgage will be recorded on the property. The second mortgage will be due and payable if the property is sold or ceases to be owner occupied.


Budget

Source of Funding Dollar Amount NSP3 $100,000

Total Budget for Activity $100,000Performance Measures It is anticipated that 1 home will be redeveloped.




Name Orange County, FloridaLocation 525 E. South St.., Orlando, FL


[email protected]

Activity Number 6Activity Name Administration

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Use


CDBG Activity or Activities N/A

National Objective


NSP3 funds will be used to pay for program administration costs related to the planning and execution of all listed activities including but not limited to program management, program implementation, planning, reporting, monitoring, and other costs associated to direct charges for the program.

Location Description N/A

Budget


Total Budget for Activity $1,155,116 Performance Measures N/A




Name Orange County, FloridaLocation 525 E. South St.., Orlando, FL


[email protected]

DEFINITIONS

A. Blighted StructuresFor the purpose of the NSP3 strategy, Orange County will utilize the definition established in the Federal Register Notice/Vol.73, no. 194 of October 6, 2008. A blighted structure is one that exhibits signs of deterioration sufficient to constitute a threat to human health, safety and public welfare. In addition, blighted properties may exhibit one or more of the definitions for unsafe structures in accordance to Orange County’s Code Regulation.

B. Affordable RentsFor the purpose of the NSP, the term “affordable rents” is defined as: The rent does not exceed 30 percent of the annual income of a family whose income is at

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or below 50 percent of the Area Median Income, as determined by HUD, adjusted for unit size (HOME rent schedule for low Home rents will be utilized).

C. Long Term Affordability To ensure long term affordability of the units assisted under the NSP Plan, Orange County will utilize the following mechanisms:

Homebuyer Activities- A non-amortizing fifteen (15) year second mortgage document will be used to ensure affordability and enforcement of our recapture provisions. Under the redevelopment activity, the minimum affordability period will be twenty (20) years. If the property changes ownership or ceases to be owner occupied, the principal amount of the loan provided shall be due and payable. The second mortgage will be forgiven after fifteen (15) years for existing housing and 20 years for new construction.

Rental Activities: A restrictive covenant will be placed on the property to ensure that it remains an affordable development for households at 50 percent or below AMI for a prescribed period of time. The restrictive covenant will remain in effect for the entire affordability period. The covenant and restrictions shall run with the land and shall be binding on future owners of the property. Annual on-site monitoring will be conducted to ensure that NSP assisted units are occupied by eligible households and that the property continues to meet Housing Quality Standards.

D. Housing Rehabilitation Standards

The Housing Rehabilitation Standards can be found at Orange County’s web site at www.ocfl.net/housing

SECTION 3/VICINITY HIRING

It is the policy of Orange County to require its contractors to provide equal employment opportunity to all employees and applicants for employment without regard to race, color, religion, sex, national origin, disability, marital status, or sexual orientation. Section 3 of the Housing and Urban Development Act of 1968, as mandated requires Orange County to ensure that employment and other economic and business opportunities generated by the Department of Housing and Urban Development (HUD), to the greatest extent feasible, are directed to low-income persons, and business concerns that provide economic opportunities to low-income persons.

Orange County will incorporate Section 3 in all procurements generated for use with HUD funding and follow goal requirements set forth in 24 CFR Part 135 for awarding contracts to Section 3 business concerns. In particular NSP3, activities will be marketed to potential Section 3 businesses located within and outside of our target area. It is important o note that an emphasis will be placed on Section 3 businesses located within the vicinity of our target area. Additionally, new jobs generated from NSP3 program activities will be used to provide employment opportunities for low-income residents within our targeted area. Subrecipients, contractors, and subcontractors will be required to complete a “NSP3” vicinity hiring form (see Exhibit 3).

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TARGET AREA IMPACT

It is important to note that an integral goal of the Neighborhood Stabilization Program is ensuring that the investment of NSP3 funding will have an impact, and stabilize our target area. To ensure that our efforts are impacting and stabilizing our target areas, the following table illustrates the resources that will be allocated to our target area:

Target Area Impact

In addition to the resources identified above, Community Development Block Grant (CDBG) funds may be allocated to this area to conduct much needed infrastructure improvements. It is anticipated that these improvements will compliment the foreclosure related investments and attract new interments to the area. The final component of our efforts to impact this area will be to provide an opportunity for homeowners that are currently involved in a foreclosure to remain in their home. To that end, we will utilize the Hardest Hit Fund, which is being funded by the U.S. Department of Treasury, and administered by the Florida Housing Finance Agency. Orange County was allocated approximately $23 million to provide foreclosure counseling, and subsidize mortgage payments for up to 18 months for qualified homeowners. We will coordinate implementation of this program in the Pine Hills target area to mitigate the number of foreclosures, and compliment our efforts to stabilize this area.

PUBLIC COMMENT

A. Citizen ParticipationIn accordance with Section 2301(b) of the Housing and Economic Recovery Act of 2008 as amended and an additional allocation of funds provided under Section 1497 of the Wall Street Reform and Consumer Protection Act of 2010, the County has completed the required citizen participation for this application. This Plan is being submitted with any citizen comments received. The following steps were taken to ensure citizen participation:

1. On January 27, 2011 the Orange County Housing and Community Development Division advertised a Public Notice in the Orlando Sentinel to solicit citizen comments on the NSP3 Plan. The fifteen (15) day comment period began January 27, 2011 and ended February 15, 2011. The Orlando Sentinel is a newspaper in general circulation throughout Orange County. The notice included a description of the proposed target geography, and proposed detailed uses of NSP3 funds, and invited citizens to submit their comments. Citizens were made aware of information on the County website and given contact information.

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ProgramUnits to be Impacted

Required Impact

NSP3 202 ---SHIP 125 ---

HOME 100 ---TOTAL 427 393

2. The draft Action Plan for NSP3 was posted on the county’s official website at www.ocfl.net/housing Web pages on the county website are available in Spanish by clicking on the “Disponible en Español” button at the upper left corner of any webpage.

3. A copy of the County’s NSP3 Action Plan was also made available for citizen review at the Housing and Community Development Division’s office and at the Orange County Public Library.

4. Information pertaining to the County’s NSP3 Action Plan was made available by way of the County’s 3-1-1 Information Line, which provides persons with Limited English Proficiency (LEP) with language assistance to ensure their meaningful access to county programs and information. According to the 2008 Census, 74.6 percent of the Orange County residents were English speakers. Of the 25.4 percent of residents, age five or older who spoke a language other than English at home, 17.3 percent spoke Spanish, 5.4 percent spoke Indo-European languages, and 2.1 percent spoke Asian and Pacific Island languages.

5. The approved NSP3 Action Plan, final uses of funds and target area will be posted on the County’s official website at www.ocfl.net/housing and submitted to HUD as required by the NOFA.

6. On February 10, 2011 staff presented the NPP3 Action Plan at a public meeting at the Pine Hills Community Center and solicited public input.

CERTIFICATIONS

A. Affirmatively Furthering Fair HousingThe jurisdiction certifies that it will affirmatively further fair housing, which means that it will conduct an analysis to identify impediments to fair housing choice within the jurisdiction, take appropriate actions to overcome the effects of any impediments identified through that analysis, and maintain records reflecting the analysis and actions in this regard.

B. Anti-Displacement And Relocation PlanThe applicant certifies that it has in effect and is following a residential anti-displacement and relocation assistance plan.

C. Anti-lobbyingThe jurisdiction must submit a certification with regard to compliance with restrictions on lobbying required by 24 CFR Part 87, together with disclosure forms, if required by that part.

D. Authority Of JurisdictionThe jurisdiction certifies that the consolidated plan or abbreviated plan, as applicable, is authorized under state and local law (as applicable) and that the jurisdiction possesses the legal authority to carry out the programs for which it is seeking funding, in accordance with applicable HUD regulations and other program requirements.

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E. Consistency With PlanThe jurisdiction certifies that the housing activities to be undertaken with NSP funds are consistent with its consolidated plan or abbreviated plan, as applicable.

F. Acquisition And RelocationThe jurisdiction certifies that it will comply with the acquisition and relocation requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended (42 U.S.C. 4601), and implementing regulations at 49 CFR part 24, except as those provisions are modified by the notice for the NSP program published by HUD.

G. Section 3The jurisdiction certifies that it will comply with Section 3 of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701u), and implementing regulations at 24 CFR Part 135.

H. Citizen Participation The jurisdiction certifies that it is in full compliance and following a detailed citizen participation plan that satisfies the requirements of Sections 24 CFR 91.105 or 91.115, as modified by NSP requirements.

I. Following A PlanThe jurisdiction certifies it is following a current consolidated plan (or Comprehensive Housing Affordability Strategy) that has been approved by HUD. [Only states and entitlement jurisdictions use this certification.]

J. Use of FundsThe jurisdiction certifies that it will comply with the Dodd-Frank Wall Street Reform and Consumer Protection Act and Title XII of Division A of the American Recovery and Reinvestment Act of 2009 by spending 50 percent of its grant funds within 2 years, and spending 100 percent within 3 years, of receipt of the grant.

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K. The Jurisdiction Certifies

1. All of the NSP funds made available to it will be used with respect to individuals and families whose incomes do not exceed 120 percent of area median income; and

2. The jurisdiction will not attempt to recover any capital costs of public improvements assisted with CDBG funds, including Section 108 loan guaranteed funds, by assessing any amount against properties owned and occupied by persons of low- and moderate-income, including any fee charged or assessment made as a condition of obtaining access to such public improvements. However, if NSP funds are used to pay the proportion of a fee or assessment attributable to the capital costs of public improvements (assisted in part with NSP funds) financed from other revenue sources, an assessment or charge may be made against the property with respect to the public improvements financed by a source other than CDBG funds. In addition, with respect to properties owned and occupied by moderate-income (but not low-income) families, and assessment or charge may be made against the property with respect to the public improvements financed by a source other than NSP funds if the jurisdiction certifies that it lacks NSP or CDBG funds to cover the assessment.

L. Excessive ForceThe jurisdiction certifies that it has adopted and is enforcing:

1. A policy prohibiting the use of excessive force by law enforcement agencies within its jurisdiction against any individuals engaged in nonviolent civil rights demonstrations; and

2. A policy of enforcing applicable state and local laws against physically barring entrance to, or exit from, a facility or location that is the subject of such nonviolent civil rights demonstrations within its jurisdiction.

M. Compliance with Anti-Discrimination LawsThe jurisdiction certifies that the NSP grant will be conducted and administered in conformity with Title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d), the Fair Housing Act (42 U.S.C. 3601-3619), and implementing regulations.

N. Compliance with Lead-based Paint ProceduresThe jurisdiction certifies that its activities concerning lead-based paint will comply with the requirements of part 35, subparts A, B, J, K, and R of this title.

O. Compliance with LawsThe jurisdiction certifies that it will comply with applicable laws.

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P. Vicinity HiringThe jurisdiction certifies that it will, to the maximum extent feasible, provide for hiring of employees that reside in the vicinity of NSP3 funding projects or contract with small businesses that are owned and operated by persons residing in the vicinity of NSP3 projects

Q. Development of Affordable Rental HousingThe jurisdiction certifies that it will abide by the procedures described in its NSP3 Abbreviated Plan to create preferences for the development of affordable rental housing for properties assisted with NSP3 funds.

By: Date: Teresa Jacobs Orange County Mayor

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Exhibit 1

EXHIBIT 2

The following rehabilitation standards have been developed to allow Orange County Neighborhood Stabilization Program (NSP) to achieve its goal of providing safe, decent, and marketable single family housing. Specifications are categorized to include repair and replacement standards in accordance with state and local regulatory requirements and, when applicable, Home Owner Association (HOA) standards.

In addressing the need for energy efficient housing and environmental concerns, certain categories are designated to include “Green Standards”. These standards not only address the need for energy efficient housing and environmental concerns but increase the marketability of the house.

While these rehabilitation standards are incorporated into the project specifications for each house rehabilitated through the County’s NSP, the program must remain flexible in addressing specific needs and considerations as they become apparent. These needs may include HOA covenants or others thus modifying standards on a case by case basis.

1 Health & Safety

Contaminants [GREEN STANDARD]Repair StandardNAReplacement StandardAll materials considered to be contaminants shall adhere to the latest federal, state and local requirements.

Lead Based Paint (LBP) [GREEN STANDARD]Repair StandardFor all houses constructed prior to 1978 - four (4) floors, two (2) window sills and two (2) window troughs (all randomly selected) plus a blank sample must be submitted to an EPA-accredited lead analytical laboratory and the dust samples must pass a dust wipe test for lead content as per the protocol in the HUD Guidelines. Lead-safe work practices must be followed, and only certified abatement contractors used to perform the work. See: http://www.hud.gov/offices/lead/lbp/hudguidelines/ Replacement StandardWhen stabilization of surfaces containing LBP is impractical, the most affordable solution for abatement of the component will be chosen. Walls containing LBP may be covered with drywall or gutted and replaced with drywall. Trim and other wood or metal components containing LBP may be removed and replaced with similar materials. Lead-safe work practices must be followed, and only certified abatement contractors used to perform the work.

Asbestos [GREEN STANDARD]Repair StandardNon-friable intact Asbestos materials that are not creating a hazard such as cementitious exterior wall shingles may be left intact and painted if appropriate. Asbestos-resilient floor tiles may be labeled as such and covered with underlayment and new resilient flooring.Replacement StandardFriable asbestos components such as boiler or pipe insulation, badly deteriorated cementitious shingles or deteriorated flooring will be removed and, if necessary, replaced with non-hazardous materials.

http://www.hud.gov/offices/lead/lbp/hudguidelines/

2 - Site

Fire Safety - EgressRepair StandardNAReplacement StandardNo bedrooms should be created unless Florida Building Code and Life Safety Code egress requirements are met.

Fire and CO Alarms [GREEN STANDARD]Repair StandardExisting fire and smoke, carbon monoxide and security systems that meet code will be repaired to operating condition.Replacement StandardFlorida Building Code Compliance.

Grading [GREEN STANDARD]Repair StandardAll grading adjacent to the building and for a distance of at least 10 feet away from the building will slope away from the structure to meet current Florida Building Code requirements. Replacement StandardPer Florida Building Code

OutbuildingsRepair StandardUnsafe and blighted structures, including outbuildings, will be removed if it is not financially feasible to complete the repairs required to make them structurally sound, leak-free, with lead hazards stabilized. Detached garages should have operable and lockable doors and windows. Replacement StandardNo outbuilding replacement is permitted in this program.

Fencing Repair StandardFencing on property lines is preferred. If repairs are needed, replacing sections in kind is permissible if the budget permits.Replacement StandardWholesale replacement of deteriorated fencing is discouraged and should only be undertaken if the budget permits.

Paving And Walks [GREEN STANDARD]Repair StandardEssential paving, such as front sidewalks and driveways with minor defects, will be repaired to match. Tripping hazards greater than ¾” must be addressed. Non-essential, highly deteriorated paving, such as sidewalks that are unnecessary, will be removed and appropriately landscaped.Replacement StandardUn-repairable essential walks and driveways will be replaced with permeable paving when financially feasible or concrete per local ordinance. Wood-framed, handicapped-accessible ramps are an eligible expense.

Lawn [GREEN STANDARD]Repair StandardBare section of lawn will be replanted with a sod that has been preapproved by the Home Owner’s Association having jurisdiction. The state has mandated that all replacement sod be of the draught resistant type.Replacement StandardLawn grasses/sod will be replaced to the extent that the replacement will satisfy the current criteria of the Home Owner’s Association and Orange County Code Enforcement.

3 - Exterior Building Surfaces

Exterior Cladding [GREEN STANDARD]Repair StandardSiding and trim will be intact and weatherproof. All exterior wood components will have a minimum of one continuous coat of paint, and no exterior painted surface will have any deteriorated paint. Buildings designated as historic will have existing wood siding repaired in kind. New exterior wood will blend with existing and will be spot-primed and top-coated in a lead-safe manner. Replacement StandardBuildings not designated as historic may have siding replaced with an approved siding that matches the existing configuration. Approved cementitious sidings are CertainTeed and Hardie. If replaced, soffit material will be vented/perforated vinyl. New wood components will meet current Florida Building Code requirements.

Interior and Exterior RailingsRepair StandardExisting handrails will be structurally sound. Guard rails are required on any accessible area with a walking surface over 30" above the adjacent ground level. Sound railings may be repaired if it is possible to maintain the existing styleReplacement StandardFlorida Building Code Compliance.

Decks and Interior and Exterior Steps Repair StandardSteps, stairways, and porch decks will be structurally sound, reasonably level, with smooth and even surfaces. Repairs will match existing materials, Replacement StandardFlorida Building Code Compliance.

Exterior House Numbers and MailboxesRepair & Replacement StandardFlorida Building Code Compliance, United States Postal Service and Home Owner’s Association requirements as applicable.

4 - Windows and Doors

5 - Roofing

Interior DoorsRepair StandardBaths and occupied bedrooms will have operating doors and lock sets. Replacement StandardHollow-core, pressed-wood product consistent with the style of existing doors including a bedroom lock set. The finish for hardware will be determined at the time of rehabilitation.

Exterior DoorsRepair StandardExterior doors will be composite assemblies complete with proper weather-stripping, threshold, deadbolt and entrance lockset.Replacement StandardSix-panel doors may be installed at entrances not visible from the front street and on the front of the property for buildings that are not historically significant. Dead bolt locks will be installed on all exterior doors keyed to match. All new doors will be weather-stripped to be air tight.

Windows [GREEN STANDARD]Repair StandardAll windows will operate, remain in an open position when placed there, lock when closed and the open section will be covered with a screen.Replacement StandardWindows that are not repairable may be replaced and will meet the ENERGY STAR standard. New windows will be extruded vinyl and double-glazed.

Flat and Low-Slope RoofingRepair StandardBuilt-up roofing that is less than ten years old will be re-coated, as required, and flashing and accessories repaired if their minimum life is questionable.Replacement StandardThe most cost-effective roof – either 3-ply, hot built-up (5 ply) or EPDM – will be installed.

6 - Insulation and Ventilation

7 - Interior Standards

Pitched RoofsRepair StandardFor roof assemblies that are less than ten years old, we will provide professional repair(s) as required.Replacement StandardAll roofs that are twelve years or older will be replaced with a 30 year architectural shingle as allowed by the Home Owner’s Association, installed per the Florida Building Code.

Roof Ventilation [GREEN STANDARD]Repair StandardN/AReplacement StandardAt the time of roof replacement all roof ventilation will be installed per the current Florida Building Code.

Insulation [GREEN STANDARD] Repair StandardNAReplacement StandardFor energy efficiency all accessible attic insulation will meet or exceed an R-30 rating.

Flooring [GREEN STANDARD]Repair StandardN/A Replacement StandardReplace all vinyl sheet goods with ceramic floor tile. All carpeting is replaced as required. Use carpet that meets or exceeds the current green standards.

8 – Electric

Kitchen Cabinets and Countertop [GREEN STANDARD]Repair StandardKitchens will have a minimum of 10 feet of countertop with base and wall cabinets (or dishwasher) to match. Existing cabinets with hardwood doors and face frames may be repaired if in good condition. All cabinets will be sound and cleanable. Replacement StandardNew kitchen cabinets will meet the ANSI A208.1 and A208.2 standard for formaldehyde content of particleboard and MDF, or have exposed edges of particleboard and MDF sealed to prevent the out-gassing of formaldehyde. Cabinets will have hardwood doors and face frames. There will be a minimum of 10 lineal feet of natural stone or plastic laminate countertop with corresponding base cabinets and wall cabinets, and a dishwasher. A drawer base (12” or 15”) will be included in new cabinetry.

Ground Fault Interrupter Circuits Repair StandardNon-functioning GFCIs will be replaced. Kitchen counter, bath and laundry receptacles within 6' of a sink will be replaced with a GFCI-protected receptacle or protected by a GFCI device.Replacement StandardFlorida Building Code Compliance & National Electrical Code.

Passage Lighting [GREEN STANDARD]Repair StandardAll lights and switches in hallways, stairs and other passages will be operable and safe. Existing fixtures with incandescent lamp fittings will have minimum 7W CFL replacement lamps installed. Replacement StandardNational Electrical Code Compliance

Service and PanelRepair StandardDistribution panels will have a main disconnect, at least 10 circuit-breaker-protected circuits, a 100-amp minimum capacity and be adequate to safely supply existing and proposed devices. If a central air conditioning system is present, the minimum service will be 150 amp.Replacement StandardNational Electrical Code Compliance

9 - Plumbing System

Drain, Waste, Vent LinesRepair StandardWaste and vent lines must function without losing the trap seal.Replacement StandardWhen walls are removed exposing vent and waste lines those lines will be reworked to the current mechanical code, as required.

Plumbing Fixtures [GREEN STANDARD]Repair StandardAll fixtures and faucets will have working, drip-free components. Toilets with greater that a 1.6 GPF rating will be replaced with a maximum 1.3 GPF model.Replacement StandardSingle lever, metal faucets and shower diverters with maximum 2.0 GPM flow. Low-flow toilets (1.3 Gal), double bowl stainless steel sinks, and tubs with fiberglass or ceramic tile surrounds.

Plumbing Minimum Equipment [GREEN STANDARD]Repair StandardExisting equipment will be repaired to conform to the Housing Quality Standards.Replacement StandardEvery dwelling unit will have a minimum of one single bowl sink with hot and cold running water in the kitchen and at least one bathroom containing a vanity with a sink, and a shower/tub unit, both with hot and cold running water, and a toilet.

Water HeatersRepair StandardEach housing unit will have a working water heater less than 5 years old with a minimum capacity of 40 gallons. Replacement StandardAll units will have a minimum 40-gallon water heater with a 10-year warranty installed to meet the current Orange County mechanical code.

10 - HVAC

Water SupplyRepair StandardThe main shut off valve must be operable and completely stop the flow of water to the house. All fixtures must be leak-free and deliver sufficient cold water and hot water.Replacement StandardThe main shut off valve must be operable and completely stop the flow of water to the house, and should be replaced if it does not. Lead and galvanized pipe that is part of the water service or the distribution system will be replaced with copper, CPVC or Pex Tube. All fixtures will have shut off valves.

Air Conditioning [GREEN STANDARD]Repair StandardNon-functioning, non-repairable air conditioners will be removed and drained of all CFCs. Existing central air conditioning will be inspected, serviced and refurbished to operate safely.Replacement StandardNew HVAC systems will have a rough-in installed for air conditioning (> 14 SEER)

Distribution SystemRepair StandardDuct work will be well supported, insulated in unconditioned space and adequate to maintain 68°F measured 36" off the floor when the outside temperature is the average yearly minimum, in all habitable and essential rooms. All duct work will be insulated and sealed at all seams with mastic (not tape) and pressure tested to eliminate leakage.Replacement StandardAll duct work will be insulated to R-7, sealed at all seams with mastic (not tape), pressure tested to eliminate leakage and run in concealed space.

Heating System [GREEN STANDARD]Repair StandardWorkable existing heating systems will be inspected and serviced to operate in a safe manner. Regardless of condition, resistance electric heating systems will be removed and replaced with systems as described below, unless the home has either a very low heating load to super-insulation, solar gain or a mild climate. Replacement StandardGas-fired heating plants will be rated at > 92% AFUE or better. Heat pumps will be rated at > 14 SEER. Programmable thermostats are required. When electric resistance heating systems are replaced, soffits for ductwork will be provided.

EXHIBIT 3

NSP 3 Vicinity Hiring

NEW HIRES (Includes workers who have worked with the contractor in the recent past but did not continue to work for the contractor since the last job.)

This form is distributed to the General Contractor (GC) at the Pre-Construction Meeting.GC is also required to provide this form to any subcontractors they hire for this project.

Firm Name: Project No. Project name:Project Address

Month of From To

Review the information below and check all that apply for the pay period shown above:

We have not hired any new employees

We have hired employees that live within the NSP3 Target Area Vicinity.

We have hired employees who meet Section 3 criteria.

We have taken one or more of the following recruitment steps to heir employees who live within the target area vicinity or who meet Section 3 criteria: (check all that apply)

We have advertised to fill vacancy(ies) at the site(s), where work is taking place, in connection with this project.

Below, we have checked the steps that we have taken to find NSP3 Target Area Vicinity residents and residents that meet Section 3 criteria: Place signs or posters in prominent places within the target area vicinity. Taken photographs of the above item to document that the above step was carried out Distribute employment flyers in locations accessible to NSP3 vicinity residents. Post employment flyers in various locations within the NSP3 vicinity areas. Kept a log of all applicants and indicated the reasons why NSP3 Target Area Vicinity

residents and/or Section 3 residents who applied were not hired. Requested training on NSP3 Vicinity Hiring and Section 3 employment requirements

Print Name and Title Contractor

Date Signature

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