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HomeMy WebLinkAboutResolution 95-37 05/15/1995 . . , .. ATTACHMENT 3 RESOLUTION NO. 95-37 A RESOLUTION ADOPTING PROPOSED AMENDMENTS TO THE SUBSTANTIAL HOME REHABILITATION LOAN PROGRAM POLICIES WHEREAS, the City of Springfield has determined it is desirable to make various changes to the policies regulatinQ the City's Substantial Home Rehabilitation Loan Program; and WHEREAS, the City of Springfield possesses the legal authority to make such changes and the proposed changes do not conflict with Federal regulations governing the funding of the Substantial Home Rehabilitation Loan Program; NOW, THEREFORE, BE IT RESOLVED THAT THE SUBSTANTIAL HOME REHABILITATION LOAN PROGRAM POLICIES ARE AMENDED AS SET FORTH IN EXHIBIT A ATTACHED HERETO. ADOPTED by the Common Council of the City of Springfield by a vote of o opposed. 6 in favor and Approved <by the Mayor this 15th day of May , 1995. ~ William ornsette, ayor ATTEST: ~~ Eileen Stein, C'ity Recorder ~'~?_~-~ - -~ ~---, - - -"- ------."...-,-, -- .- .---- ~ :,.':,". rv\~,~-\l\~\-3~~, f"..<,-',', . ':'~"f~\'r:'~:,,",J , ' '. .; .- .. ~. ~ . . . . ". ATTACHMENT 3 EXHIBIT A TO RESOLUTION SUBSTANTIAL HOME REHABILITATION PROGRAM POLICIES May15,1995 Dclctions arc shm..m thus [lg~~~~9fi~:::iri:::~~919::::ly~ 1 GENERAL PROVISIONS 1 .010 Program Goals 1.020 Other Funding Sources 1.030 Staff Responsibilities 1.040 Conflict of Interest 2 DEFINITIONS 3 THE REHABILITATION LOAN/SECURITY STANDARDS 3.010 Loan Terms and Conditions 3.020 Loan Limits Based upon Property Value and Indebtedness 3.030 Execution of a Lien 3.040 Restraints From Superior Liens 1~111::::::::::::::::::::::::::::::::::::::::::~~~i~~~~!~tllllli,lrlt~I@J. $.:;Q?Q !Q~y.:r~n9i 4 APPLICANT ELIGIBILITY STANDARDS 4.010 Previous Loans 4.020 Loon Prioritizotion ~;g:gI1.030 Income Limits ~:~~~~ 1.010 Land Sales Contracts SECTION 5 PROPERTY ELIGIBILITY STANDARDS 5.010 Single Family Dwellings and Duplexes 5.020 Multi-Family Dwellings ~; iilllriing 9~9.!gg *im~f:p.tJ~:~Vtijl SECTlqf'-Jnnnn~: ~ REHABILITATION/IMPROVEMENT STANDARDS $:;gm~ 6.010 HUD's Minimum Rehabilitation Standards wfgl'i 6.020 Springfield's Minimum Rehabilitation Standards :7~Q.3.p.: 6.030 Eligible Property Improvements ;t:~g;$Q 6~910 Ineligible Property Improvements SECTION +::~: CONTRACTING THE WORK !:fgl:~ 7.010 Local and Minority Contractors Ii:ggg 7.020 Contractor's Qualifications ~:~~:I:R 7.030 Work Cost Estimates !.;gl9.! 7.030 Maximum Contract Period !f,g:~1 7.050 Contractor's Warranty Ii:Q~1 7.060 Method and Conditions for Final Payment SECTIOf'-Jnnnnn g.:::~ FOLLOW-UP INSPECTIONS ~:;:g:~Q: 8.010 The 2 year and 5 Year Inspections ~.f:gg;Qi 8.q~0 Notification SECTION 9-1i:g APPEALS :1~:sg:l:q 9.010 Appeals Board Created !Ig,f,P::e.R 9.020 Policy Exceptions :l~~Q:*g 9.030 Final Decision SECTION SECTION SECTION SECTION sE:cmfoN ......................... . . . ", /\PPENDIX HUD INCOME LIMITS SECTION 1 GENERAL PROVISIONS 1.010 ProQram Goals The Substantial Home Rehabilitation Loan Program goals are: A, To preserve the existing stock of low-and-moderate-income housing through both private and public investment in substantial rehabilitation of single family homes and owner occupied duplexes. B. To bring substandard housing into substantial compliance with the City Housing Code and HUD Housing Quality Standards; and conserve the City's supply of suitable low incomc, singlc familyi::::iif9rlitiJ,i housing. C. To improve the appearance of low-and-moderate-income neighborhoods in the City which, with,out assistance may become blighted and unattractive to future residents and businesses. D. To enable City residents of low income to remain in their homes. 1.020 Other FundinQ Sources HUD encourages the use of "piggyback" financing where funds from various sources are applied collectively to accomplish rehabilitation. Whenever possible, program funds should be used in tandem with other funding sources, public and private, for maximum benefit to the greatest number of persons feasible. 1.030 Staff Responsibilities A. To implement the provisions of this document. B. To verify income claims, review program applications and required documentation including property appraisals, deeds, mortgages, or contracts pertaining to ownership. C. To approve or deny the loan application. D. To create project specifications, evaluate rehabilitation bids, monitor construction, approve or reject change order requests and to disburse payments. E. To conduct the City's Substantial Home Rehabilitation Loan Program and to maintain program files as required by HUD ~lnd Statc of Orcgon CDBG Reg ulati ons ~PB::::9~9ir::iRPn9igi,i~:~:~iq!r~m:ri9Hi,:i~~9n!. F. Provide lead paint poisoning notice to tenants and undertake appropriate abatement procedures. . . . 1.040 Conflict of Interest No member of the governing body of the City of Springfield and no other official, employee or agent of the City who, directly or indirectly, exercises policy, decision-making functions or responsibilities in connection with the planning and implementation of the Community Development or Rehabilitation Loan Programs shall be eligible for this program. The prohibition shall continue for one year after an individual's relationship with the City ends. SECTION 2 DEFINITIONS Amortization: The systematic payment of borrowed money. Applicant: A. A person or persons applying for a deferred payment loan. B. In Subsection 4.020 of this document, the person applying and all members of the household and all persons sharing title to property. Beneficiary: A lender or seller who, by use of a trust deed, received the security of the real estate for the performance of the obligation or payment of a debt (in the manner as a mortgagee). Boarding House: A building or portion thereof where lodging is provided with or without meals for compensation of any kind to more than 5 persons other than members of the family occupying such building. Building Official The person::i~~~~9:n~~~~::~y::::tij~:g~ty:::i.~pgl.:Q9. '.vho is responsible for the adminlsfrafionHandHenforcement:Hof the Building Safety Codes. City: The City of Springfield, Oregon City Council: The Common Council of the City of Springfield. CDAC: Community Development Advisory Committee. Duplex: A single building, designed or used exclusively for the occupancy of two families living independently of each other, sharing a common roof, wall and foundation at the garages, carports, living units or a combination thereof. Encum brance: Any cloud against clear, free title to the property which makes it less marketable or freely acceptable to a buyer, and therefore less valuable. Equity: The surplus of value of real estate which may remain after deduction of taxes, assessments, liens, charges and encumbrances against the property from the market value. Foree! osure: A legal process initiated by a Mortgagee, a Beneficiary under a trust deed, or other lien creditor, upon default by an owner- . . . " Grantor: Holdback: HUD: Land Sales Contract: Lien: Loan Fee: Lower Income (Moderate Income) R~Y~~9!1:::m~~!~Ut~~~~ Metro Plan: Mortgage: Mortgagee: Mortgagor: Rehabilitation Loan: debtor, to force. sale of the real estate held as security for the debt to satisfy the obligation or payment of the debt. The owner of real estate, who by written instrument grants a security interest in the real estate to secure the performance of an obligation, or payment of a debt (in the same manner as a mortgagor). A portion of funding retained until final satisfaction has been ffiet-:- The U.S. Department of Housing and Urban Development. A written agreement for the purchase and payment of real estate usually requiring installment payments over a period of time, with legal title remaining in the seller's name until the terms of the agreement are satisfied and the final installment payment is made. The right, enforceable by law, to take and hold or sell the property of a debtor as security for payment of a debt. A seven percent one-time fee charged against the total amount of the loan principal which shall be due and payable when the loan becomes due. 80% of the Eugene/Springfield median income as determined by HUD iifiill.'..,_ Igr~!n.g~ ......... .............. The current applicable Eugene/Springfield Metropolitan Area General Plan, A security interest in real estate created by the Mortgagor by a written instrument providing security to a Mortgagee for the performance of an obligation or the payment of debt. The person who received from the Mortgagor security of real estate for the performance of the Mortgagor's obligation or Mortgagor's payment of a debt. The owner of real estate who by a written instrument pledges that real estate to the Mortgagee as security for the performance of the owner's obligation or the owner's payment of a debt. A loan for the rehabilitation of properties with health, safety or structural hazards, payable into a revolving loan fund when the property is transferred by any means except as specified in Subsections 3.010 D, and 9.010 B. of this document (also referred to as "loan"). . . . " Single Family Dwelling: Springfield Housing Code: Staff: Tenancy by the Entirety: Trust Deed: Trustee: Value: A detached building of structure designed or used exclusively for the occupancy of one family. A Code adopted by the City which establishes minimum requirements for the protection of life, limb, health, property, safety and the welfare of the general public and the owners and occupants of residential buildings. City personnel who administer the Substantial Home Rehabilitation Loan Program. Ownership of realty by a husband and wife who ,are regarded as one person. No disposition of any interest can take place without the consent of both. The property passes to the survivor in the event of the death of one of them. Similar to a mortgage; a legal instrument conveying title in real estate from the Grantorrrrustor (owner/borrower) to a Trustee (a third party which can be an escrow company bank or attorney) to be held as security for a debt owed a beneficiary (a lender or seller) . The third party to whom the Grantor, by the trust deed, conveys an interest in the real estate, which enables the Trustee, in the event of default, to conduct a foreclosure sale of the real estate to satisfy the obligation or payment of a debt to the Beneficiary and to convey it to a purchaser at the foreclosure sale. True cash value or market value as established by an appraisal or the Lane County Department of Assessment and Taxation. Very Low Income: 50% of the Eugene/Springfield median income as determined by HUD. Warranty: An assurance by the contractor that the work has been completed as stated in the contract. SECTION 3 THE REHABILITATION LOAN/SECURITY STANDARDS 3.010 Loan Terms and Conditions A. A Rehabilitation Loan shall not be made unless, upon completion of the work, the property can be brought into substantial compliance with the Rehabilitation Standards as specified in Section -G m:z::: of this document. ~:~i:i:::~:i9pip:::::l:~Mg:jJi:::~p:r:::i!~~PP9hi~'~ ....... B. The Rehabilitation Loan shall carry a 7% loan fee. This shall be a one- time fee charged against the total amount of the "loan" principal and shall be due at the time the total amount of the "loan" comes due. The maximum Rehabilitation Loan amount shall not exceed $18.600.00 plus loan fee, subject to the provisions of Subsection 3.020 of this document. (Exception: Subject to Subsection 3.020 of this document, the maximum loan amount may be exceeded to cover Building Safety Codes violations discovered by the Contractor or City Building . . Inspectors during the course of the work and not detailed in the initial work write-up prepared by Staff.) C. The "loan" and loan fee shall be repaid in full upon: 1 . Sale or transfer of title of the property by any means; 2. property being rented or leased, except as specified in Subsections 3.010 D. and 5.010 B and as specified in Subsection 9.010 B. of this document; 3. a transfer of the property which would constitute a sale, requiring payment of the Rehabilitation Loan, except in those cases where title to the property is held in tenancy by entirety; 4. failure to occupy; or 5. a superior lien being placed on the property. D. Recipients of rehabilitating loans shall continue to occupy the dwelling that receives rehabilitation assistance until the property is sold. However, Staff may, subject to the concurrence of the Appeals Board Specified in Subsection 10.010 of this document, approve an exception to this policy under extraordinary circumstances. These circumstances may include the creation of an economic hardship such as the case of an individual who obtains employment outside the immediate metropolitan area,who cannot reasonably sell the house in a poor market, and who intends to return to this area to live after some time. Justification shall include a statement by the owner that he/she fully intends to return the dwelling to owner-occupied status within 2 years. Staff shall monitor the situation and may require that the owner make an affirmative effort to sell the dwelling or may revoke the granting of the conversion to rental use at any time during the 2 year period if it appears that the Program's intent is being abused. 3.020 Loan Limits Based Upon Property Value and Indebtedness The total indebtedness against a property at the time of application shall not exceed 85% of the property's value, nor shall the total indebtedness, including the proposed Rehabilitation Loan and loan fee, exceed the Staff's estimate of the property's value after completion of the rehabilitation work. If the applicant disagrees with the Staff's estimate of the property's value, an appraisal paid for by the applicant may be accepted by Staff. (However, if the "loan" is granted, the cost of the apprai30r ~'pprj\~~~::: can be added to the "loan" and loan fee.) 3.030 Execution of a Lien As a condition for receipt of funds under the Substantial Home Rehabilitation Loan Program the owner-occupant shall execute a lien against the property equal to the total amount of the Rehabilitation Loan and the loan fee. 3.040 Restraints from Superior Liens . A. ~!9@p~::::~~::pi9yI9~g::t:2r::in]~g9!!9:n.:::~~Q~~:~V~:::~:;~p~j the a p pi i cant sha II agreeUto urefrai nfrom. .creating.. or .permitti ngUto. beucreated against the property, or any part of it, any lien superior to the lien of the City, subsequent to the date of the Rehabilitation Loan. B. Taxes are generally a first lien regardless of other liens which may have been previously recorded on the property, and the following taxes are exceptions to Section 3.040 (A): 1. Federal taxes which are unpaid, income and estate taxes and unpaid State taxes which give rise to general liens against the property. . 2. Assessments for roads, sewers, and other municipal benefits paid in the form of taxes on real property become a lien from the time they are due. These assessments and taxes are superior to the Rehabilitation Loan. C. While any part of the note secured remains unpaid, the maker/grantor shall pay taxes, assessments and other charges which may be levied or assessed against the subject property, or the loan fee, "loan" mortgage or the note secured when due and payable and before the same becomes delinquent. The mortgagor shall promptly pay and satisfy any and all liens or encumbrances that are or may become liens on the premises or any part thereof superior to the lien of this mortgage, exclusive of the lien granted in prior financing. In the event that the mortgagor fails in this regard, the City's right to recover through the foreclosure of the assessment shall not be impaired. 9!fl:?});::::'-!!!i!q!:!V!!!*~!i.!;!!~~!:::~~!~!!~" . ~:~g:9:~ ~~9~:f:~~~~!!.q!! 1[~"'I_liilll B'~-I_i..il 3.050 -<~S~:~g Insurance . Applicants shall agree to carry fire insurance (fire and extended coverage as a minimum) equal to no less than the total indebtedness against the property, including the Rehabilitation Loan and loan fee, less the value of the land as reflected on the most recent property tax appraisal. Applicants shall secure flood insurance prior to receiving a Rehabilitation Loan if living in an area where HUD would routinely require this. . . . ", SECTION 4 APPLICANT ELIGIBILITY STANDARDS 4.010 Previous Loans An applicant who has received a Rehabilitation Loan under this Program in the past 3 years is not eligible. 4.020 Loan Prioritization Persons in the follO\....ing oategories, shall have first priority for Rehabilitation Loans under this Program: the elderly, handioapped, raoial and ethnio minorities, and single heads of household. 4.030'4HJe0. Income Standards A. The totar::::~~!iib.9~~ income of the applicant cannot exceed the current Eugene/Springfjel~qq~9~qq"':lE3~i~r1qqirl~()me limits for the applicant's household size A!:::::~~!!rm!n!I::::::~y:::::I:Y:1 (see Appondix); total income includes but is not limited to the following: wages, interest, dividends, rental income, other investments or business income, Social Security Benefits, pensions, annuity income, alimony, child support, welfare payments, veterans benefits, and others. To determine the applicant's income for eligibility purposes, the greater of the following shall be used: 1 . Twelve times the present gross monthly income. 2. Projected gross income for the calendar year. B. Self-employed persons shall provide satisfactory evidence that income and revenues from their enterprises fall within the income limits established. Detailed signed operating statements and other documentation shall be required. g~:::::::::::':::::::::::::~~rlirll~~I"!II~I~IIII~IIIr."!!III.I~lllllil'11I~~I!i~r.'-If.~'lil~ri s.y!~i:.:ij9Iiy~r::t~~.:gqH,ty::!tti~i:::h9H~~ij9!.~~~:.Q~P9!pi~:.:.ri~~~~P9;:.~fi~~!:.:~! i*g!i:~g~~::::ftgm::9.9.:n~!:qi!~!!p'Q~ 1.0104i89:?:1 Land Sales Contract If the applicant is purchasing the property on a "land sales contract", in addition to execute a note and mortgage or Trust Deed secured by his/her equitable interest, he/she shall also obtain a consent to mortgage from the seller. If the applicant is PlJrchasing the property subject to pre-existing land sales contracts, consents of A!J, the original sellers shall be obtained. If the applicant is unable to obtain the required consents to mortgage, the "loan" shall not be granted. Additionally, the contract of sale itself shall meet such requirements as may be necessary to protect the City's security interest. In the case of a land sales contract where a balloon payment is required, if refinancing occurs, the Rehabilitation Loan and loan fee shall be repaid at the same time, except upon approval of Staff. In order for a purchaser under a land sales contract to be eligible for a "loan" to cover rehabilitation costs, all of the following shall be met: A. The contract or a memorandum of said contract shall be a legally binding, properly recorded instrument (or memorandum thereof . . . ", received). B. The seller shall hold a fee simple title to the property and shall be unable to use the property for collateral or convey the property to any other party. C. The purchaser shall provide a good record of credit. SECTION 5 PROPERTY ELIGIBILITY STANDARDS 5.010 Sinale Familv Dwellinas and Duolexes A. Eligible repairs shall be limited to owner-occupied single family dwellings and duplexes within the city limits. B. Rehabilitation shall be permitted for both the owner-occupied and rental portion of a duplex only under the following conditions: 1. The owner shall meet the income limitations of Subsection 4.020 of this document. 2. The Rehabilitation Loan maximum shall remain at $15,000 J::!:i:@gg for the entire structure (except in situations where Section 3.010 (B) of these standards applies). 3. Duplexes shall be subordinate in "loan" priority to single family dwellings. 5.020 Multi-Familv Dwellings Multi-family dwellings, including boarding houses, shall not be eligible for a Substantial Home Rehabilitation Loan. 5.030 Non Residential Zonina Site of residence must comply with applicable adopted zoning and plans. SECTION 6 ..................................................... .L.....O.......A......N.........P......R...O......C......8...S......SlN.....O.... . ..... . .. .... .. .. ............ . .. . .." .. . .. .. . ...". .. .. ... .. . .. . ... ",. . .. . :...::....:.::....:...::::..::::.::..:.....::..-.:.....:....:.....:.:.::...:..'.. ~:~gJ:9::~I:i~~I#~~~~~:::~fl~~~i.r~~ :~ Am::q:::.::::::::[III"'lllijllill~1jijl~ijrlilll~lr~1!llill[It.\II{~]'1:::9:99Mijih~i Bl::::::::::::::::mh~::ij~[9r~~::::pf::::iji!~r~9i":9V:::pt:::m~::::~!!H$.!Y!~~ C>*'~(IJ.'.llf__ll'l . . . ...:.::.:':::.::::::::::P:~;6g::::~l:~;~;:;~f:::::~:~!~i!! SECTION~:::::::7::i:i:i::::::::::I:::i::::;i::;::::REHABI LIT A TION STANDARDS 6.01 Ol~!:~:g HUD's minimum Rehabilitation Standards Housing Quality Standards have been established by HUD which every participating property shall meet after rehabilitation. These standards relate to sanitation, security, thermal environment, illumination and electricity, structure and materials, water supply, access and site conditions. These standards shall serve as a starting point for the establishment of local rehabilitation standards. 6.020:::i1Utj,igg Sprinafield's Minimum Rehabilitation Standards In addition to meeting HUD's standards, every participating property shall also substantially meet the following standards: A. Recognized hazards to the occupant's health and safety shall be corrected. (Examples: Replacement of a dangerous electrical panel or replacement of an unsanitary kitchen sink unit.) B. Recognized structural defects affecting the usefulness or durability of the structure shall be corrected. (Examples: Replacement of a rotted mud sill or correction of a serious rafter overspan.) C. The structure shall be made weather protected. Replacement of rotted siding boards.) (Examples: D. Recognized conditions wasteful of energy resources shall be corrected. 6.030 Eliqible Propertv Improvements Subject to the availability of funds, the following activities are also allowable: A. The dwelling may be further rehabilitated so that it is a decent home for the occupant, and can be reasonably expected to have its remaining useful life significantly extended with normal maintenance. (Examples: Replacement of a damaged door or resurfacing interior walls which are peeling.) B. The special needs of elderly and/or handicapped persons may be served (Examples: An access ramp for a person confined to a wheelchair or a bathtub grab bar for an elderly or handicapped person.) 6.040 Ineligible Property Improvements Rehabilitations loans shall not be used to finance the cost of: . . . A. New construction, additions, the finishing of unfinished spaces, such as an attic or basement; nor expansion, unless space requirements indicate a need for expansion. B. Materials, fixtures or equipment of a quality or type which exceeds or differs substantially from that customarily used in properties of the same general type and value as the property being rehabilitated. C. Appliances. (Exception: Built-in appliances may be included when they are a replacement for existing built-in units which are defective.) D. Purchase, installation or repair of furnishings. E. The applicant's labor, or the labor of a member of the family or household. SECTION-7I CONTRACTING THE WORK 7.0 1 O$'~~:~::p Local and Minoritv Contractors The use of Springfield contractors shall be encouraged; further, contractors from traditionally disadvantaged groups (i.e. women owned businesses, ethnic or racial minorities, etc) shall be encouraged to participate. 7 .02o~~I€g Contractor's Qualifications Contractors interested in participating shall be licensed and bonded by the Construction Contractor's Board of the State of Oregon. 7 .03o~*-glg Work Cost Estimates Owners may negotiate prices with contractors of their choice, provided they meet the requirements of subsection 8.020 of this document. Owners shall be required to obtain a minimum of two cost estimates. Staff shall estimate costs and review bids for cost reasonableness. 7 .01 O!~:~lg Maximum Contract Period Contracted work shall be completed within 90 days of commencement. If the contractor fails to complete the work within the time specified above, the penalty shall be: $100.00 plus $5.00 per $1,000.00. of the contracted amount for each calendar day of delay deducted from the amount of the contract. 7 .060!~:Q9g Contractor's Warranty The contractor shall make all necessary repairs and replacements to remedy, in a manner satisfactory to the Staff, and at no cost to the owner, any and all defects or failures of the work occurring within one year following the approval date of the final building inspection. 7 .060::]~S~:Bg Method and Conditions of Payment One check shall be i~sued jointly to the o.....ner and contractor to be signed by both after: c, A. B. . C. D. . SECTION g 9 9 8.010 ~ 8.020 . SECTION 9 :,,]~ Satisfaotory completion of the '.vork and; Final inspeotion by Staff and; VVritten acoeptanoe of the work by the o'J'..ner; and An affidavit from the oontractor stating that full payment has been made to all suppliers and suboontraotors, including a waiver of lien rights. E. Partial/progress payments may be made for ..-..ork completed up to 90% of contract prioe and subject to above oonditions. ~~:ylint:::I~m::Ri::::gY::::99~~U{]:i~qil:::j9!ni!:y:::!1::!~i::::pI9id@ng.:]ffi9i!rig!gr*: , 1~:::::::::::::::::::::::::::F!~!::::P!Mm:~ri!::!9!::::i9:rg,:.im::~!:::mig~::::9n!Y:!f~!:r; :l::i:::::::::::::::::::::::::::M{:!~!~~:ri::::iQQ~p.~~rip~::9t:::!iji:::ig!g::~y:::!iji:::glri!r;::::IN9 ~:d:::::::::::::::::::I!p:iti:g!gl:::::ftn~!:::]:ri!P~9!~9P':::::gt:::::!ij~:::::1;9!~::::~y::::::m99in9::::::gr9i:rim p~t~pn~il,:~:'::INI !!'l""""'!""!"~'6flI_iP FOLLOW-UP INSPECTIONS The Two Year and Five Year Inspections A. In order to determine if the program is meeting the goals of Subsection 1.010 of this document, Staff may periodically conduct follow-up inspections up to five years after the completion of the work. B. The inspections shall not be for the purpose of compiling a list of new code violations, but shall determine the overall maintenance of the property. In this respect, the inspections shall examine both the work which was completed under this Program and the building as a whole. If Staff determines that the building fails to meet the rehabilitation standards of Section 6 of this document at either the two year or five year follow-up inspection, the "loan"; and loan fee shall become due and payable immediately. N otificati on The follow-up inspection shall be mandatory on the part of all program participants, however, no inspection shall take place without prior written notification. APPEALS ,- ' . - . :~:~:f:g:J::g -9.G2G Policv Exceotions A. In an extraordinary circumstance, where an exception to a policy or policies would be justified, reasonable and appropriate, Staff may ~~ii.~ii~~i9i~~;i~~,0 ~~~ ~~~~~o~: ~~~'~~o~:~~~i~a~~~I~~~~f;Y:~~~ to the particular case in question. . . :1:f:::::::::::::::::::::::::::llili1;r~~III;lllltl\I~1\rllll"jlllll'lill~1!r~!lflilI11 i~Bi~~~ry:::lpt!:;:::::::3!I~ -111"111,.]- ~s::::::::::::::::::::::::::llll~litiijlfy'!j!I~I~i(~~rq1~::~llift,I'~li~~II!lltl~rillr~11 m~n;.::::@e;lM~ . J::g:;:g&~ 9.01 0 Aooeals An appeal process is available to "loan" applicants and Program participants. The Appeals Board shall meet irrcgularly; on call a$.n.~~a~a. ........................... ........................... A. For non-technical appeals, e.g., questions of Staff interpretations of the policies of this Document, the Appeals Board shall consist of two members of the CDAC, the Community Dcvclopmcnt Managcr:::m99~':Q$'j: IfP~t~m~:::~MP~rx~~9t and the Building Official. B. For technical appeals, e.g., considering whether a foundation wall should or should not be included in the work to be covered by the "loan", the Appeals Board shall consist of two members of the CDAC and a member of the Building Staff. .................... :j:g:~g:!g 9.030 Final Decision The Appeals Board's decision shall be final unless there is an appeal to the City t~9q!it;:::: The City Council's decision shall be final. ~BRif:~:m':':::::::::J::J:%:::::::::::::::::::::::::::::::::~~~J,IOO8i~Ms::::OO~~~:~i~:12 . e!ri999~E,yylU:; ."" I CI>......... 8~::::::::::~::::::I~tl~ililf{ii.l,II~~llrm~!rq9::::(9::'::~9P~"gp:mtn:Hrnt.Y~~::~mn!9::~::::~m9 ;:;!i!i!i!i!i!iiiiiI!i!i!i!MVq:rlf!:!M~;.m::!:J.!9iJ.I~!;9iili:i!!tY.l.':~::::~fgl4.lf!:i::19:::]~~"~:~:~I~:~'::::qqi";.Vi4. gl!ip~:::tmi9i:* Y:!i:i::::::::i:::i:i:::i:i:rili~I'~rillrq,l'ltllll~Ir.~~ti9~:::99::::Rr9;9.r~m:::::I:itip~!i:::iq9h::~i:i . . .