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11/18/2021 - Meeting Minutes (2) ERIN MENDENHALL Uj DEPARTMENT of COMMUNITY Mayor and NEIGHBORHOODS HOUSING and NEIGHBORHOOD DEVELOPMENT lLju Housing • Advisory i•. • Meeting Minutes November 18, 2021, 1:00-2:30Pm Teams Meeting Link: Click here to join the meeting Call in Number: 1-385-355-0286 Pin: 193 584 880# Board Members Board Members Not Present Matt Pauly(Chair) Robert Rendon(Vice-Chair) Paul Cherecwich Edward Makowski Amy Rowland Jose Organista Marty Biljanic Shelley Bodily Scott Cuthbertson Staff Present Tony Milner,Housing Stability Amanda Best, Housing Stability Heather Royall,Housing Stability Ethan Sellers,Housing Stability Taylee Foulger,Housing Stability Veatriz Alequin,Housing Stability Shantel Saville,Housing Stability Members of Public Present Sahil Oberoi,Utah Community Action Rob Roake,NeighborWorks Salt Lake Josie White, South Valley Sanctuary Zach Bale,Housing Connect Jared Hafen,Utah Aids Foundation Baylee White, The Road Home Sally,Housing Connect Brayan Nava, Community Development Corporation of Utah 1. Welcome By Matthew Pauly, Chair of Housing Trust Fund Advisory Board, 2. Electronic Meeting Adoption SALT LAKE CITY CORPORATION 451 SOUTH STATE STREET,ROOM 445 WWW.SLC.GOV P.O. BOX 145487,SALT LAKE CITY,UTAH 84114-5487 TEL 801.535.7712 FAX 801.535.6269 TTY 711 We do not have a quorum for the Electronic Meeting Adoption 3. Electronic Meeting Statement by Chair Matthew Pauly, Chair of Housing Trust Fund Advisory Board-hereby determine that with the ongoing COVID-19 pandemic conditions existing in Salt Lake City that meeting at an anchor location presents a substantial risk to the health or safety of those who would be present 4. Open and Public Meetings Training Amanda Best—The Open and Public Meetings Training will be offered electronically and a link to the training will be sent out to the group. Please complete the training before January 2022. 5. Approval of April 7, 2021 Meeting Minutes Approval postponed until the next HTFAB meeting. 6. Discussion Of 22-23 HOME Applications Amanda Best— Each applicant will have 5 minutes and will be discussed in the same order they appear in this meeting's agenda. 3 minutes for the Applicant to explain their application and 2 minutes for questions and answers. UCA—Sahil Oberoi, Director of Case Management for Utah Community Action. Discussed what UCA has done over the last year:Awarded with a lot of COVID funds from the County,the City and the State. Provided 34M in assistance to over 5,5oo households making 12,000 total individuals. Received 35o applications from Salt Lake City residents per month,for assistance.We recognized that COVIDi9 funds are time limited,but we've also seen that several applicants requesting assistance couldn't be pointed directly to COVID impact but needed substantial assistance.With all this being said,we are requesting $167,000 to help 32 households. CDCU— Bryan Nava, Lending manager. Last year we submitted an application for home funds in the amount of$374,800 to continue operating one of our most needed and successful programs for down payment assistance.With this funding,we anticipate being able to help approximately 24 to 30 individuals to purchase their homes by covering their down payments and closing costs.We've offered this program for about 30 years now and we've been able to spend the majority of the funds every year;however,last year we were caught by surprise by the pandemic and also by very competitive and expensive housing market, so we weren't able to spend a significant amount of funds.We were able to help only a few numbers of borrowers.As a response to this we were able to meet with the SLC Housing Stability staff to identify ways to adjust our program and achieve our mission of helping homeowners.This year we were able to implement a change where we would increase the award amounts that would stay in the Federal limits to up to $39,000 in assistance. Previously it was up to $14,000 but we recognized that wasn't enough funds to help with a purchase of a home. I did some research and according to the Salt Lake board of Realtors the immediate sales price of a single-family home in Salt lake City or Salt Lake County is $550,000 which translates to a down payment of$16,500 to $27,500.We recognize and acknowledge that not every homebuyer may purchase a home in a price that high,but it highlights the fact that properties are in an all-time high price and it is very difficult to purchase at this time.The fact that we can cover higher amounts now will definitely go a long way for households to have a chance to purchase a home during these challenging times. In some cases we can cover up to 1o%of the down payments for FHA loans Question-Paul: Question about the application- #14 funds were not spent,what happens with those unused funds? SALT LAKE CITY CORPORATION 451 SOUTH STATE STREET,ROOM 445 WWW.SLC.GOV P.O. BOX 145487,SALT LAKE CITY,UTAH 84114-5487 TEL 801.535.7712 FAX 801.535.6269 TTY 711 Answer-Nava: Our contracts are design in a reimbursement process so,we basically did not bill the city for the unspent funds,we only billed the amount for the few that we closed. Answer-Amanda:Any funds left unspent goes into the next award year.This is why our award pot could be a little more than what was funded directly that year. Question—Amy:As the prices and amounts get bigger/higher,have you considered instead of an"all or nothing'forgiveness, doing like a quarter forgiven after 5 years, another quarter forgiven after 10 years in recognition of those rising values and amounts, and put the money back into your funds to be used on other future home buyers(just a thought)? Answer-Nava:we've considered a proration approach every year but have decided on the"all or nothing"where if they stay 5 years then they get forgiven up to $15,000.Now with the bigger amounts we go to"all or nothing" after 10 years.This has worked great for us without challenges.We'll still consider a prorate approach;we'll keep it in our radar. NeighborWorks — Rob Roake Director of Business and Resource Development.We are an experienced lender and community organizer.This application is for our NeighborWorks Affordable Home Buy down Program; requesting $315,000.00 to do buy outs that would go as a silent end mortgage.There's no payment, no interest unless the homeowner decides to sell out or refinance the home then,we recapture the whole funds.This is basically the same idea of what Bryan was talking about: the insanely high prices in the market and affordability gap and that's why we think we should approach the problem differently.These funds would give us the opportunity to address 3 households.The scope of work would be stablishing the program in connection with SLC along HUD and Home guidelines and give them a buy down of up to $200,000.00 for income qualified customers Question-Paul: I'm concerned about the limited number of people that will be benefited with these amounts of money. How are you going about selecting who is eligible? Answer—Rob: In a first come first serve basis Question-Paul: How is this advertised for the people to know about the program? Answer—Rob: Extensive social media,mostly. South Valley Sanctuary—Josie for South Valley Sanctuary, a Domestic violence shelter and Service provider Housing assistance program; Requesting $138,500.00 to offer supportive service throughout Salt Lake County and operate under Domestic Violence Housing First Model which places domestic violence survivors with shelter without any pre conditions. Domestic violence victims, mainly have zero source of income as a result of economic abuse. The Road Home — Baylee White Director of Grants and Compliance for a non profit agency that helps individuals facing homelessness. Requesting $300,000.00 to assist 63 households for rental, deposits and utility assistance through our Rapid Rehousing program. Last year we were able to help 1,639 SALT LAKE CITY CORPORATION 451 SOUTH STATE STREET,ROOM 445 WWW.SLC.GOV P.O. BOX 145487,SALT LAKE CITY,UTAH 84114-5487 TEL 801.535.7712 FAX 801.535.6269 TTY 711 households through the Rapid Rehousing program; 27%increase from the prior fiscal year since we've seen a substantial increase due to COVID.With this program,people only pay up to 30%of what their income is and Road Home covers the remaining portion. Question—Amy: How many months of assistance is provided household? Answer— Baylee: Prior to COVID,we used to provide an average of 4 months. Currently we're at 6 to 7 months of assistance per household Salt Lake City Housing Stability—Amanda Best about the Home Development Fund, requesting $9oo,000.00.This is a pot of money for developers and organizations rehabbing affordable housing,which is what we focused on last year as,low income apartments (managed by Utah non profit) and 9 single family homes that are rented through The Road Home and one Multi Family home rehab (through Shelter the Homeless). Question-Paul: Do you see the building trend that we currently have continuing, with many apartments being built and hoping that they will be affordable? Answer-Amanda: Building's cost is higher, especially in the city which is why we've focused more on rehabilitating since it makes it easier to spread the money. It's based on the applications we get every year,that we're able to award that funding.We're trying to put the word out for developers than we used to. Question— Scott: How many units overall was it? Answer-Amanda:with the home development fund,typically there's a maximum amount that we can utilize per home unit, so the HOME units are technically less than what the total development will have.Total of 13 (one from each development). Question—Amy: for most of them the guideline is up to 8o%AMI; is that the number they're being restricted at income wise or is it different in other cases? Answer-Amanda: to be eligible,they'd have to be under 8o%AMI but we have seen a lot more low income applications coming in because that is a priority for SLC to get that 40%AMI or lower. 7. Discussion of 22-23 HOPWA Applications a. Review and Ask Questions of Applicants: UCA- Sahil Oberoi, Director of Case Management for Utah Community Action. Similar case management as the TBRA. Last year we received a total $172,000 from the State and City to help those HOPWA qualified.We were able to stabilize 32 households.With COVID,most participants are more hesitant to go out to get jobs because they are immune compromised so, we haven't been able to stretch the funds as much as we used to because we're making sure to help until the person is self-reliant.We are working closely with the Work Force Services to find at home jobs for folks to make that pivot. This year,we're requesting 165,000.00 to assist about 4o households.The referral process has been great. Housing Connect— Zack serves approximately 5,000 households a year.We are an active housing developer,property manager and manage the assistance programs with HOPWA being specifically for a group under specific circumstances and upon needs. SALT LAKE CITY CORPORATION 451 SOUTH STATE STREET,ROOM 445 WWW.SLC.GOV P.O. BOX 145487,SALT LAKE CITY,UTAH 84114-5487 TEL 801.535.7712 FAX 801.535.6269 TTY 711 Sally Goodger,Grants Program Coordinator for Housing Connect—Requesting 519,185.00 which will support 52 households with rental assistance(this includes $4000 for permanent housing placement). This is an increase of about 35,000.00 from our current award which will allow us to provide two additional households as well as help with the rental price increase that we're seeing in order to maintain their housing. Currently with funding from the state of Utah we have 64 households under the payment assistance(13 State funding,51 SLC funding) and that puts both programs at capacity causing long wait lists for the programs. In our SLC Program, 85%of the current participants have low income(30 to 30%AMI). Utah AIDS Foundation —Jared Hafen,We appreciate for the HOPWA support during previous years.We submitted 2 applications for House Case Management and for Mental Health Counseling. Prior to COVID we saw an increase in clients with the need of Housing Case Management Assistance. Requesting 45,000.00 for salary support to provide housing management to provide people living with HIV. People living with HIV are one of the most vulnerable population in Utah experiencing financial hardship, most of them live at the poverty level,there's a higher rate of suicidal risk, depression and trauma. UAFI helps provide individual counseling,we collaborate with infectious disease clinics at the UofU and The Pride Center's mental health program and we already have a wait list for these programs. Requesting 50,000.00. Question—Paul: Unfortunately I was one of the persons that said we couldn't afford to respond to your mental health request last year.That bothered me immensely because I know that the mental health is something we need to worry about.Where did you get the funds for to turn around and hire somebody for last year? Answer—Jared:Applied to additional foundations and private funding and shifted focus to our mental health program because it has been so needed and requested.There was never a program that specialized in HIV and this is our focus now. Answer—Amanda Best: To clarify,the funding wasn't recommended at this level but then the council actually did award some HOPWA funding to the program from Housing Connect's award. Still, no quorum. 8. Other Business: Amanda Best: a. We could pull Neighborworks and go over any questions with Rob -No questions from participants. b. Upcoming meeting, as usual: First Wednesday from 12:00pm— l:oopm(December 1st).We will do our final recommendation, as long as we have a quorum.You'd need to go into Zoomsgrant and score by the end of the day of Monday,November 29, 2021. c. Applicants and organizations are good to log out since we'll be talking about board stuff. i. Sahil Oberoi from UCA asked: when does the board anticipate letting the organizations know if and what funding level they'll be funding at? SALT LAKE CITY CORPORATION 451 SOUTH STATE STREET,ROOM 445 WWW.SLC.GOV P.O. BOX 145487,SALT LAKE CITY,UTAH 84114-5487 TEL 801.535.7712 FAX 801.535.6269 TTY 711 1. Amanda: these usually go before council around April or May,when the final decision will be made. I Paul: I have a general question about the total available money. Could you tell us exactly how much we have from Home and how much from HOPWA? 1. Amanda:We don't know our final amounts from HUD until around April or May when council makes their recommendation, so we do a broad overview. — Heather: on a call during earlier this week, HUD said we should get projections within the next couple of weeks which are based in large part on what's currently before congress.We will have final numbers after a Budget has passed,usually around February sometimes closer to April when 2. Ethan: Congress passed HOPWA modernization act and that was providing incremental more funding towards the HOPWA program,every year. This is the last year of that program but,we just attended a Webinar from HUD that said that we have additional funding from Congress.We'll have to wait to see what the Budget is but, HUD said it should be proportional to the amounts we received. Last year we received 600,000 HOPWA so,we heard about $700,000 that's with having$5o,000 remaining from last project year with a$650,Ooo award. iii. Matthew Pauly: in Zoomgrants,that total amount of 1.8M, is it HOME&HOPWA's totals together? 1. Amanda:Yes, and that's what we've been telling our clients 1.8M with $650,000 assigned to HOPWA which is more than what we expected to be awarded because, as I mentioned earlier there were organizations that didn't spend out all of their award so we're recapturing that also. iv. Going back to b.we just want to see your scores and we would rank it based on your scores as to how you want to award the funding. If you have questions about scalability that is something you can find in the applications,figure out their budget,how much will be taken away to continue to use this program or if they need the full amount requested. We will have a larger conversation about that in our next meeting.This is mainly to see how you want to score an application and then that will go into Zoomgrants. v. Paul brought up the fact that he would prefer to award funding that serves a lower AMI, the rental assistance that goes below 6o%AMI rather than the others that go up to 8o% AMI. 1. Paul: I was unhappy with the"First come first serve"on the $1oo,000 request (just so the members are aware). 2. Amy: That's problematic to me as well,to know that there are agencies that mange resources like that. Unfortunately,it helps for near or related people to the organization members to take advantage. d. Amanda—I want to mention that at this time we also are awarding CDBG and ESG Federal upward funds. ESG typically is for that low-income area(30%AMI and lower). CDBG goes from o to 8o%AMI as well but that has a much broader capacity. i. AMIs and rent levels are in the Dropbox— Does everyone have access to the Dropbox and Zoomgrants?You're welcome to reset your passwords or let me know. No need to adjourn since there is not a quorum. SALT LAKE CITY CORPORATION 451 SOUTH STATE STREET,ROOM 445 WWW.SLC.GOV P.O. 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