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HomeMy WebLinkAboutMINUTES - 02231993 - 1.78 r TO: BOARD OF SUPERVISORS M FROM: Franklin Lew, Director of Building Inspection DATE: February 2, 1993 SUBJECT: 1992/93 Agreement between the County, City of Antioch and Great Western Bank for the Housing Rehabilitation Loan Program. SPECIFIC REQUEST(S) OR RECOMMENDATIONS) & BACKGROUND AND JUSTIFICATION RECOMMENDATION• Approve the 1992/93 Housing Rehabilitation Services Agreement with the City of Antioch and the 1992/93 agreement between the County, City of Antioch and Great Western Bank for the Housing Rehabilitation Loan Program and authorize the Chair to execute said agreement. BACKGROUND A. City will receive Community Development Block Grant (CDBG) funds from the Department of Housing and Urban Development (HUD) as an entitlement to the City pursuant to the provisions of Title I of the Housing and Community Development Act of 1974, as amended. B. The city has approved and authorized the expenditure of One Hundred Sixty Five Thousand, Three Hundred Fifteen dollars ($165, 315. 00) from said CDBG funds for a housing rehabilitation program for owner-occupants of single-family homes, which includes a carryover of $75, 315. 00 from 1991- 1992 program year. C. County has the demonstrated experience and qualifications to operate a housing rehabilitation program under the Community Development Block Grant Program. D. Great Western is prepared to assist City and County in achieving the objective of the program by participating with the City and County in the proposed loan program. E. This is the fifth year the County has contracted with the City of Antioch for these services and the Building Inspection Department recommends approval of the agreement. CONTINUED ON ATTACHMENT: yesYES SIGNATURE__�� 1 RECOMMENDATION OF COUNTY ADMINISTRATOR RECOMMENDATION OF BOARD COMMITTEE APPROVE OTHER SIGNATURE (S) : ACTION OF BOARD ON - 3' APPROVED AS RECOMMENDED x OTHER VOTE OF SUPERVISORS I HEREBY CERTIFY THAT THIS X UNANIMOUS (ABSENT ) IS A TRUE AND CORRECT COPY AYES: NOES: OF AN ACTION TAKEN AND ENTERED ABSENT: ABSTAIN ON THE MINUTES OF THE BOARD OF SUPERVISORS ON THE DATE SHOWN. cc: Building Inspection Dept. ATTESTED_ o��1993 County Administrator Phil Batche or, City of Antioch Clerk of the Board of Supervisors and County Administrator BY: �' , DEPUTY AGREEMENT FOR HOUSING REHABILITATION SERVICES This AGREEMENT, entered into this 1st day of July, 1992 by and between the CITY OF ANTIOCH, public body corporate and politic, hereinafter referred to as "CITY" , and the COUNTY of CONTRA COSTA, a political subdivision of the State of California, hereinafter referred to as "COUNTY" . RECITALS A. CITY will receive Community Development Block Grant (CDBG) funds from the Department of Housing and Urban Development (HUD) as an entitlement to CITY pursuant to the provisions of Title I of the Housing and Community Development Act of 1974 , as amended. B. CITY has previously approved and authorized the expenditure of One Hundred Sixty-five Thousand, Three Hundred Fifteen Dollars ($165, 315. 00) , which includes Ninety Thousand Dollars ($90, 000) in CDBG funds for the 1992-93 Program Year and carryover funds in the amount of Seventy-five Thousand, Three Hundred Fifteen Dollars ($75, 315. 00) from the 1991-92 Program Year for a housing rehabilitation program for owner-occupants of single-family homes. C. COUNTY has requested funds for an affordable housing revolving loan program. D. COUNTY has demonstrated experience and qualifications to operate a revolving loan program to fund housing rehabilitation under the Community Development Block Grant Program. NOW, THEREFORE, in consideration of the recitals and the mutual obligations of the parties as herein expressed, CITY and COUNTY agree as follows: 1. Scope of Services COUNTY agrees, through its Neighborhood Preservation Program, to perform all the functions necessary to make housing rehabilitation loans to low and moderate-income owner- occupants of single-family homes within the CITY's Housing Rehabilitation Target Area, delineated on the map attached hereto as Exhibit "A", and incorporated herein as part of this Agreement. These functions include, but are not necessarily limited to, the following activities: 1 a. Marketing of housing rehabilitation program in CITY as part of COUNTY's overall marketing effort. b. Distribution of applications to interested property owners. C. Consultations with property owners and explanation of rehabilitation program requirements. d. Initial inspection of properties of rehabilitation program applicants and preparation of inspection reports. e. Preparation of rehabilitation contract specifications and cost estimates. f. Assistance to program applicants with the preparation of loan application documents. g. Review and processing of loan application documents, and determination of applicants' eligibility for program. h. Compliance with Federal environmental requirements with respect to historic preservation, floodplain management, explosive and flammable operations and toxic chemical/radioactive materials, upon completion by CITY of Appendix "A" of the Department of Housing and Urban Development's Environmental Rehabilitation Review Sheet. i. Review of contractor's bids to determine that all items in contract specifications have been addressed and that proposed costs are reasonable. j , Verification of contractor's licenses and evaluation of contractors' qualifications. k. Periodic progress inspections and final inspection to determine that rehabilitation work has been properly performed in accordance with the terms of the contract. 1. Processing of payments to owners/contractors for work completed. M. Collection of loans from property owners. 2. Eligibility of Loan Applicants a. In order to be eligible for a rehabilitation loan, applicants must meet the low and moderate-income guidelines established by the U.S. Department of Housing and Urban Development for the Community Development Block 2 Grant Program, and must reside within CITY's Rehabilitation Target Area, described in Exhibit "A". b. In all other respects, the guidelines established by COUNTY for it Neighborhood Preservation Program shall apply to rehabilitation loans for CITY residents 3. Review of Applications Prior to initiating any action with respect to a rehabilitation application from any CITY resident, COUNTY shall submit a copy of application to CITY for CITY review, in order to determine conformance of proposed rehabilitation with CITY planned policies. CITY shall provide expeditious review of applications and notify COUNTY in writing of CITY's authorization to proceed with processing of rehabilitation application. 4. Conformance with City Codes and Ordinances COUNTY shall use its best efforts to ensure that all rehabilitation work carried out under this Agreement is in conformance with CITY Building and Zoning Codes and Ordinances. 5. Compensation for Services Upon approval of each rehabilitation loan, COUNTY shall invoice CITY for the amount of the loan to be paid with Community Development Block Grant (CDBG) funds. In addition, COUNTY shall periodically invoice CITY for administrative and technical services performed by COUNTY in connection with each rehabilitation loan. Such compensation for services shall be at the rate of $75.00 per hour for each hour of time expended by COUNTY Rehabilitation Specialist on the rehabilitation case, except that the maximum compensation for any rehabilitation case shall be limited to $3, 500. 00. It is understood that the compensation rate of $75.00 per hour is for all administrative and technical services in connection with the rehabilitation case, including salary of Rehabilitation Specialist, administrative oversight, clerical assistance, and overhead costs. COUNTY shall provide time sheets documenting hours expended on a project basis. CITY shall pay all invoices as expeditiously as possible under its financial processing procedures. 6. Limitations of Funds The total costs incurred by COUNTY under this Agreement shall not exceed $158, 048. 50, the amount of CDBG funds allocated by CITY for 3 this rehabilitation program, except as permitted by the generation of program income. 7. Term of Agreement The term of this Agreement shall commence on the date first appearing in this Agreement and shall continue until June 30, 1993 . This Agreement may be renewed for successive one-year term at the discretion of CITY and COUNTY. S. Termination of Agreement This Agreement may be terminated at any time by either CITY or COUNTY in the event that either party fails to perform in accordance with the terms and conditions of this Agreement, provided that CITY or COUNTY gives written notice to other party of the effective termination date. 9. Program Income COUNTY shall keep separate accounting of repayments of loan principal and interest earned from loans made with CITY CDBG funds. Such program income shall be used for future rehabilitation activity within CITY, and shall be applied, after its receipt by COUNTY, to the next CITY rehabilitation loan approved by COUNTY. Each invoice to CITY for rehabilitation loan funds shall specify as a credit the amount of program income to be applied to each rehabilitation loan. In the event that this Agreement is not subsequently renewed, or is otherwise terminated, COUNTY agrees to repay CITY any unexpended program income attributable to CITY's CDBG program within 30 days of termination date, and to transfer all accounts receivable attributable to this activity to CITY. 10. Program Reporting COUNTY shall annually report to CITY on all rehabilitation loans made with CITY entitlement funds, including the terms of the loans, date of first payment, amount of repayments completed, type of rehabilitation work completed under the loan, and program income received and expended. This report shall be submitted to CITY within 30 days after the end of the program year on June 30. 4 11. Compliance with Federal Regulations In carrying out the terms of this Agreement, CITY and COUNTY shall comply with all applicable Community Development Block Grant Program Regulations as contained in 24 CFR Part 570. 502 . (a) and Subpart K, except CITY shall be responsible for initiation and completion of environmental review. In addition, COUNTY agrees to comply with the following: a. CDBG regulations Governing the eligibility of fair housing activities as contained in 24 CFR 570.904. b. OMB Circular No. A-87, "Principles for Determining Costs Applicable to Grants and Contracts with State, Local, and Federally recognized Indian Tribal Governments. " C. OMB Circular A-128 "Audits of State and Local Governments. " d. Environmental Standards as defined in 24 CFR 570. 604 . e. "Public Law 88-352" which refers to Title VI of the Civil Rights Act of 1964 , which provides that no person in the United States shall on the ground of race, color or national origin, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any program or activity receiving Federal Financial assistance. f. "Public Law 90-284" which refers to the Fair Housing Act, which states that it is the policy of the United States to provide, within constitutional limitations, for fair housing throughout the United States and prohibits any person from discriminating in the sale or rental of housing, the financing of housing, or the provision of brokerage services, including otherwise making unavailable or denying a dwelling to any person, because of race, color, religion, sex, national origin, handicap or familial status and which requires that all programs and activities related to housing and community development be administered in a manner to affirmatively further the policies of the Fair Housing Act. g. Section 109 of Title I of the Housing and Community Development Act of 1974, which states that no person in the United States shall on the ground of race, color, national origin or sex be excluded from participation in, be denied the benefits of, or be subjected to discrimination under, any program or activity funded in whole or in part with Community Development funds made available pursuant to this act. 5 h. Section 504 of the Rehabilitation Act of 1973 , as amended, which states that no otherwise qualified handicapped individual in the United States shall solely be reason of his/her handicap be excluded from participation in, be denied the benefits of, or be discriminated against under any program or activity receiving Federal financial assistance. i. Age Discrimination Act of 1975, as amended, which states that no persons in the United States shall, on the basis of age, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any program or activity receiving Federal, financial assistance. j . Conflict of interest regulations as contained in 24 CFR 570. 611, which require, among other things, that except for approved eligible administrative or personnel costs, no person who is an employee, agent, consultant or officer of the COUNTY may obtain a personal or financial interest or benefit from the activity under this Agreement, or have an interest in any contract, subcontract, or agreement with respect thereto, or the proceeds thereunder, either for themselves or those which whom they have family or business ties, during their tenure or for one year thereafter. Upon written request of the COUNTY, the CITY may request the U.S. Department of Housing and Urban development to grant an exception to the foregoing requirement on a case-by-case basis in accordance with 24 CFR 570. 611 (d) . 12. Indemnity and Hold Harmless a. CITY hereby waives all claims and recourse against the COUNTY including the right to contribution for loss or damage to persons or property arising from, growing out of or in any way connected with or incident to this Agreement except claims arising from the concurrent or sole negligence of COUNTY, its office, agents and employees. b. The CITY shall defend and indemnify the COUNTY and its officers, agents and employees against and hold the same free and harmless from any and all claims, demands, damages, losses, costs, and/or expenses of liability due to, or arising out of, either in whole or in part, whether directly or indirectly, the organization, development, construction, operation, or maintenance of the Agreement except for liability arising out of the concurrent or sole negligence of COUNTY, its officers, agents or employees. 6 C. In the event COUNTY is named as co-defendant the CITY shall notify the COUNTY of such fact and shall represent COUNTY in the legal action unless COUNTY undertakes to represent itself as co-defendant in such legal action in which event COUNTY shall bear its own litigation costs, expenses, and attorney's fees. d. This condition shall not terminate on the date specified in the Agreement but shall remain in full force and effect. 13. Inspection of Work It is understood that periodic review of COUNTY's work under this Agreement may be necessary and the right to such review is reserved by CITY. CITY shall have access to any books, documents, papers and records of COUNTY which are directly pertinent to the work performed under this Agreement. Records shall be retained by COUNTY for three years, In accordance with the requirements of OMB Circular A-102, Attachment C, except that loan documents shall be retained for a period of three years after final loan repayment. 14. Insurance During the entire term of this Contract and any extension of modification thereof, the CITY shall keep in effect insurance policies meeting the following insurance requirements. a. Liability Insurance. The CITY shall provide a policy or policies of comprehensive liability insurance, including coverage for owned and non-owned automobiles, naming the COUNTY and its officers and employees as additional insureds, with a minimum combined single limit coverage of $500, 000 for all damages because of bodily injury, sickness or disease, or death to any person and damage to or destruction of property, including the loss of use thereof, arising from each accident or occurrence. b. Additional Provisions. The policies shall include a provision for thirty (30) days written notice to COUNTY before cancellation or material change of the above specified coverage. Said policies shall constitute primary insurance as to the COUNTY, the State and Federal Governments, their officers, agents, and employees, so that other insurance policies held by them shall not be required to contribute to any loss covered under the CITY's insurance policy or policies. Not later than the effective date of this Contract, the Contractor shall 7 provide the COUNTY with a certificates) of insurance evidencing the above liability insurance. 15. Project Representative and Notices CITY and COUNTY hereby designate the following agents to act as project representatives in the matters dealing with the performance of work under this Agreement and for receipt of all notices: CITY: Douglas R. Ward Deputy Director Community Development City of Antioch P. O. Box 130 Antioch, CA 94509 COUNTY: Mickie Perez Housing Rehabilitation Coordinator Contra Costa County Building Inspection Department 651 Pine Street, Fourth Floor Martinez, CA 94553 8 IN WITNESS WHEREOF, this Agreement is executed by the City of Antioch and by the Building Inspection Department of the County of Contra Costa. CITY OF ANTIOCH COUNTY OF CONTRA COSTA BY Y•B D UG S R. 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In the event of a request for emergency repairs to correct a health and safety problem in an owner occupied dwelling outside the approved target area, COUNTY may review and approve necessary repairs provided applicant meets all requirements of Section C below, including income eligibility and environmental review. Item 6 6. Limitations of Funds The total costs incurred by COUNTY under this Agreement shall not exceed $165, 315. 00, the amount of CDBG funds allocated by CITY for this rehabilitation program, except as permitted by the generation of program income. IN WITNESS WHEREOF, this Agreement is executed by the City of Antioch and by the Building Inspection Department of the County of Contra Costa. CITY OF ANTIOCH COUNTY OF CONTRA COSTA By: By: DOUG R. WARD MICKIE PEREZ Deputy Director Housing Rehabilitation Community Development Coordinator 10 LOAN PARTICIPATION AGREEMENT THIS AGREEMENT between Great Western Bank ("GW") , County of Contra Costa ("County") , and City of Antioch ("City") , is entered into with respect to the following facts: RECITALS A. City will receive Community Development Block. Grant (CDBG) funds from the Department of Housing and Urban Development (HUD) as an entitlement to City pursuant to the provisions of Title I of the Housing and Community Development Act of 1974, as amended. B. City has approved and authorized the expenditure of one hundred sixty five thousand, three hundred fifteen dollars ($165, 315. 00) from Community Development Block Grant (CDBG) funds for a housing rehabilitation program for owner-occupants of single family homes. C. County will implement and operate said program for City, by making housing rehabilitation loans, both at below market interest and "zero" interest. D. GW is prepared to assist City and_,Coiznty in achieving the objectives of the program by participating with City and County in the proposed loan program. This agreement governs the making of loans pursuant to the $165, 315. 00 appropriation from CDBG funds. To that end, the parties agree as follows: 1. Loan Participation GW agrees to assist County in implementing the program by entering into a loan participation program with City and County under the following terms and conditions: a. GW will initially originate loans which qualify under the program to eligible applicants as certified by City and County who are in the opinion of GW acceptable credit risks for the proposed loans. b. City will agree in advance, at the time each loan package is submitted as outlined below, to purchase from GW upon recording, without recourse, a participation interest in the proposed loan, the percentage of which (to the total loan) being determined by a formula taking into account the fact that City will receive no interest on its funds advanced to purchase the participating interest and that 1 GW will receive a yield of 100 on its net funds advanced on each loan. The formula for calculating the respective participation interest is designed to result in an interest cost to each borrower as predetermined by County. Without limitation on the generality of the foregoing, the following are examples illustrating this formula: i. County predetermines to require an interest cost of 5% to the proposed borrower for a loan of $8, 000. 00 for a term of 15 years. City would purchase a 54 . 68% participation ($4 , 374 . 32) on which there would be no interest return. GW' s yield of 10% on its retained participation ($3 , 625. 68) would result in the desired interest cost to the borrower of 5% on the entire loan. ii. County predetermines to require an interest rate of 3% to the proposed borrower for a loan of $3 , 000. 00 for a term of 7 years. City would purchase a 72 . 14% participation ($2 , 164 . 13) on which there would be no interest return. GW' s yield of 10% on its retained participation ($835. 87) would result in the desired interest cost to the borrower of 3% on the entire loan. The various percentages of participation by GW, and City for loans with interest rates varying from 3% to 10% in 1% increments and from 5 years to 15 years in term are set forth in the charts attached hereto as exhibit B and incorporated herein by this reference. The parties further agree that the required yield to GW may hereafter be changed by mutual agreement of both County, City and GW as evidenced by an executed amendment to this contract. C. With respect to "zero" interest and "deferred payment" loans to qualified borrowers under the program, as well as those which County elects to make although the borrower or the loan has been rejected by GW ("forced loans") , GW will not retain any participation interest, City agreeing to purchase the whole loan in each case. As to these three categories of loans ("Note Collection Loans") , GW agrees to originate these loans in the same manner as those eligible for participation, if so requested by City, i.e. , complete necessary documentation of such loans. GW will not have any responsibility for delinquent servicing of such loans, but will carry them as collection accounts and report any activities on each loan to County as it occurs. The fees for all loan 2 origination, servicing and reporting are set forth in Paragraph 7 of the agreement. d. City and County agrees that GW shall have no responsibility for or participation in emergency grants under the program. 2 . Respective Liabilities It is understood and agreed by the parties that GW's participating interest shall be and remain prior and superior to City' s participation interest to the end that in the event of any ultimate net loss arising out of any loan, such loss shall first be borne by City up to the full extent of its participation interest in the loan in question. It is also understood and agreed that the total liability of City with respect to any loan originated under this Agreement is the amount of its participation interest and City shall not have any liability to reimburse GW for any loss it may sustain with respect to GW' s participation interest after exhaustion of City' s share. 3 . Loan Limitations Irrespective of any other limitations or provisions of this agreement, no loan in which GW will have or retain a participation interest shall exceed 90% of the fair market value of the property securing such loan when added to all other liens on said property prior to the lien of such loan, nor shall any such loan initially be less that $1, 500 . 00. The intent of this paragraph is to limit all secured obligations against the security property having priority over the loan, plus the amount of the loan itself, to 90% of the fair market value of the property after reflecting the increase in value resulting from the contemplated improvements, (presumptively equal to the amount of the improvement loan contemplated, in the absence of contrary evidence) . 4 . Selection of Applicants City and County agrees to assume sole responsibility for the selection of applicants eligible to participate in the program and to insure that both applicants and the properties involved meet all of the criteria of the program. 3 5. Processing of Loan Applications a. County agrees to initiate the processing of individual loans by submitting to GW a Loan Application Package ("Package") . The Package shall include at least the following: i. A letter certifying that the potential borrower is eligible and the property qualifies under the program, and setting forth the amount of the loan being sought and the desired interest rate to be paid by the borrower. ii. A description of the home improvement work to be done and an estimate of the total cost of the work to be performed, conditioned upon granting the loan. iii. A loan application completed on a loan application form prescribed by GW, which shall include the appropriate legal description of the property securing the loan. iv. The fair market value of the property as it is reflected on the most recent assessment role in the records of the County Assessor, or, should County choose to commission an independent appraisal (which shall be at County ' s sole expense) , in said appraisal report. At its sole option, GW may accept this as the fair market value for the purpose of underwriting the proposed loan and determining whether the loan is within the loan limitations set forth above. If it so elects, GW may require a separate appraisal by one of its own qualified appraisers and substitute the latter' s evaluation as the fair market value of the property for the purposes of this agreement. If such appraisal is made, City agrees GW will be reimbursed $100. 00 by way of an appraisal fee. This separate appraisal shall not in any event be obtained until after the credit evaluation provided for in subparagraph b. has been completed. b. Upon receipt of the Package, GW will investigate the applicant's credit and within seven days of receipt advise County that the applicant does not qualify for the loan being sought or will issue a conditional approval letter, approving the applicant subject to receipt of additional documentation as set forth in the conditional approval letter, including, if required a preliminary title report or other title search document satisfactory to GW and issued by a title company licensed to do business in California, an appraisal, a firm contractor's 4 bid and work breakdown, and income and mortgage verification ("the additional loan information") . If such be the case, GW will also advise County if the applicant is considered to be qualified for an equivalent loan on GW' s conventional terms and conditions for such loans. If the applicant is deemed unqualified for the loan being sought, GW will furnish County with a detailed basis for the rejection, which shall be kept confidential. At the option of City, even though found unqualified by GW, City may elect to make 'the applicant a loan upon terms and conditions City specifies, but shall advance 100% of all funds necessary to make the loan. C. Upon receipt of the additional loan information GW agrees to ascertain the extent and amount of liens prior and superior to that of the proposed loan in order to ascertain whether the proposed loan is within the prescribed loan limitations. GW's evaluation of such prior liens will be final. d. Within ten days after receipt of all of the above information and final approval of the loan application, GW will prepare all necessary loan documents in final form for execution by the applicant. These shall consist of at least the following, and in addition, such other documents to be executed on GW discretion deems necessary, all documents to be executed on GW approved forms. (The Promissory Note shall not contain any provisions requiring payment of a fee or other charge in the event all or a portion of the loan is prepaid prior to maturity. ) i. Promissory Note. ii. Deed of Trust iii. "Truth-in-Lending" Disclosure Statement. iv. Notice of Right of Rescission. Upon completion of the loan documents, GW shall forward such documents, with appropriate instructions, to County for the obtaining of execution by the applicant and the recording of the Deed of Trust by County. As of the day of recording the Deed of Trust, County will obtain title insurance policy or other title document satisfactory to GW which constitutes a date-down of the state of record title of the property securing the loan. In the event that there has been a change in the state of title from that reflected on the previous report, GW may reject the loan or otherwise alter its terms and conditions unless the applicant can remove any such changes from the record. Upon execution and recordation, County shall return the completed loan documents to GW, excluding Note 5 Collection Accounts. County will return copies of the Promissory Notes and Deeds of Trust on the Note Collection Accounts. 6. servicing of Loans a. Upon receipt of the completed loan documentation, GW shall establish a construction loan account applicable to the particular loan. Thereafter, disbursement from such loan account shall be made by GW as follows: Checks representing an amount not to exceed 80% of the total loan as determined by County, shall be made payable to the Contractor, as directed by County, and mailed to County for delivery to the Contractor. It shall be County's sole responsibility to determine that the work of improvement has in fact been completed, that a Notice of Completion has been filed and that the completed work complies in all respects with County 's requirements applicable to such work. County shall certify to GW that these conditions have been met at the time the final disbursement to the contractor is authorized. County shall authorize final disbursement of all remaining funds, by a check made payable to the contractor, as County directs, and mailed to County for delivery to the contractor, 35 days after the Notice of completion is recorded, unless County determines that one or more mechanic ' s lien claims have been filed against the borrower's property arising out of the work of improvement. It shall be County' s sole responsibility to determine the existence or absence of such lien claims and to take such action as it deems necessary to extinguish any existing lien claims before authorizing final payment. b. Under this agreement, the existing Great Western Concord branch account which was established through prior agreements will be used to draw upon, in order to expedite payment to contractors. All of County responsibilities as set forth in subparagraph "a" . must be met. C. Upon completion of the work of improvement and disbursement of all construction loan funds GW shall thereafter service each participation loan in accordance with its regular loan servicing procedures and industry standards. These will specifically include the following: i. GW shall distribute to City monthly its proportionate share of all principal repayments received. 6 ii. In the event of delinquency with respect to any loan, in addition to it' s normal loan collection procedures, GW agrees to give County 30 days ' written notice prior to recording a Notice of Default, and shall also report as delinquent on the next monthly report after it occurs, any loan which becomes 30 days delinquent. d. In the event of the commencement of foreclosure proceedings through recording of a Notice of Default, the following shall apply: i. At any time up to two (2) working days prior to foreclosure sale date, GW agrees to reinstate the delinquent loan upon tender by the borrower of all accrued delinquent payments of principal and interest, late charges and foreclosure costs and fees (hereafter collectively "delinquencies") . ii. At any time up to two (2) working days prior to sale, GW agrees to reinstate the delinquent loan upon tender by County of all delinquencies. In the event of such payment by County, collection of any such sums advanced shall be County's responsibility. iii. At any time up to two (2) working days prior to foreclosure sale, if City elects to forestall such proceedings, GW shall sell its participation interest to City upon payment by City to GW of the then outstanding amount of GW participation interest plus its share of all existing delinquencies. iv. In the event of foreclosure sale, if the property is sold to an outside bidder at or above the full loan balance including all delinquencies, the respective participation interests of City and GW shall each be paid off in full . If the property is bid on by Gw at or less than the full loan balance including all delinquencies, GW shall thereafter hold the property in its own name as "real estate owned" , treating it in the same manner as its own "real estate owned", and shall forthwith dispose of the property by resale as is applied to its own "real estate owned" . The proceeds of such resale shall be distributed in the following order of priority: first, to GW to reimburse it for holding costs and selling expenses with respect to the property; second, to GW to reimburse it in full for its participation interest loss as a result of foreclosure; third: any surplus thereafter remaining to be divided by GW and City in proportion to their respective former participation interests in the loan. 7 e. Upon completion of the work of improvement and disbursement of all construction loan funds, with regards to "note collection" accounts, City and County agree to the following: i. The accounts will be set up with GW's collection department, which is a bill and receipt service for its customers. ii. GW will not have any responsibility with regards to delinquency servicing. iii. GW shall deposit payments received (service fee deducted) into a Concord branch savings account set up by City for this specific purpose. iv. GW agrees to be available for consultation as to handling of delinquent accounts. V. GW agrees to service foreclosures, as a participation loan, for a fee to be mutually determined by GW and City. 7. Fees a. In return for the services rendered by GW in respect to loans made under this Agreement in which GW has retained a participation interest, County shall pay or cause to be paid a loan application acceptance and processing fee of $50 . 00 per loan application. County shall be reimbursed by City for the processing fee through payment of administration costs. In the event the loan is for any reason not consummated, GW shall be entitled to this fee in any event. In the event the loan is consummated and GW retains a participation interest, no further processing fee shall be charged unless GW's interest is subsequently paid off by City as provided in paragraph 6.b. iii. The $50. 00 fee here provided for shall be paid by City concurrently with the purchase of its participation interest or, if the loan is declined, upon receipt of notice of declination from GW. No fees will be paid from the lumpsum account. b. Delinquent Accounts i. With respect to loans made under this agreement, County or GW may require the borrower to pay a fee not to exceed 5% of the delinquent months payment. C. With respect to "forced loans" in which GW has no participation interest and is thus receiving no yield on 8 funds advanced, County agrees to set up "note collection" accounts and pay the following fees: i. A loan acceptance and processing fee of $50. 00 for reviewing each package as submitted and processing the loan up to its consummation, this fee to be paid by City concurrently with its purchase of the loan in question. ii. A loan service fee, payable monthly by City, of $4 . 00 per payment received for each such loan being serviced. These fees shall be deducted from the payment payable to City by GW under the provisions of paragraph 6.e. iii. d. With respect to "zero interest deferred loans" , City agrees to set up "note collection" accounts and pay the following fees: i. A loan acceptance and processing fee of $50. 00 for reviewing each package, as submitted, and processing the loan up to its consummation, this fee to be paid by City concurrently with its purchase of the loan in question. ii. A loan service fee of $4 . 00 per month for each month there is a payment on the loan in question. e. In connection with the payoff of any loan, regardless of character, GW shall be responsible for the reconveyance and recording of the reconveyance. A reconveyance fee of $70. 00 or the fee schedule in effect at the time of payoff shall be paid by City, which includes a recording fee of $5. 00. If recording fees are increased by Recorders Office, the recording fee shall be increased without amending this agreement. On Participation loans in connection with a payoff, GW shall be paid a fee of $60. 00 for preparing the demand (Statement of Condition) . 8 . Insurance It shall be GW's responsibility to notify any holders of prior liens of the existence of each loan generated under this agreement, to record the appropriate request for Notice of Default, and after ascertaining from the holder of any first Deed of Trust, (or the borrower, if none) , the name and address of the agent or broker responsible for obtaining any existing fire insurance, to obtain a loss payable endorsement to such policy naming GW (or City and County in the case of Note Collection Accounts) as additional insured under each policy. 9 9. Termination The term of this agreement shall be for one (1) year from date of execution by the City, County and Great Western Bank, a Federal Savings Bank. Termination of this agreement may be made by City, County or GW so long as written notice of intent to terminate is given 60 days prior to the termination date. Any termination of this agreement shall not affect its operation as it is related to loans and subsidy obligations outstanding at the time of said termination. The City of Antioch, County of Contra Costa and Great Western Bank, a Federal Savings Bank, understand that at the termination of the agreement all unobligated funds in the Rehabilitation fund not encumbered or disbursed will be returned to the City' s letter of credit unless the City is authorized by HUD to extend the agreement for an additional period. 10. Miscellaneous All written notices required by this agreement shall be deemed given when deposited by party responsible for giving notice, postage prepaid, in the United States Mail addressed as follows: If to City: Department of Development Services Attn: CDBG P.O. Box 130 Antioch, California 94509 If to County: Clerk of the Board P.O. Box 911 Martinez, California 94553 If to GW: Great Western Bank, a Federal Savings Bank Attn: Rehabilitation Department 9451 Corbin Ave. Northridge, California 91328 10 IN WITNESS WHEREOF, the arties hav xecuted this agreement as of the �_ day of JBAK a GREAT WL SAVINGS By: [ V'ce President By: S o ice President (ACKNOWLEDGEMENT) R` t CITY OF ANTIOCH COUNTY OF _CONTRA COSTA By By: D. Ron ard, Chair, Board of Supervisors Deputy Director Development Services ATTESTED Phil Batchelor, Clerk of the Board of Supervisors and County Administrator Y !� �`^ By: : Bill P. Galston, Deputy City Attorney APPROVED AS TO FORM Victor J. Westman, County Counsel By:4 � 0, D uty RECOMMENDED BY DEPARTMENT By: c ` Dir ctor of Buil ing Inspection 11 RATE TO SORROR: _ 1.000% DCHIBIT B YE YIELD TO ASSOCIATION: 10.000% SORROYER GW FACTOR FACTOR - PtXLIC Gw YRS - MTN PER MONTH PER MONTH FLI DS FLI DS S 60 0.01709375 0.02124704 0.90675796 0.09324203 6 72 0.01431551 0.01852584 0.90799533 0.09200466 7 84 0.01233125 0.01660118 0.90918x64 0.09081135 8 96 0.01084323 0.01517416 0.91033863 0.08966136 9 108 0.0096x603 0.01407869 0.91144789 0.08855210 10 120 0.00876041 0.01321507 0.91251542 0.08748457 11 132 0.00800321 0.01251968 0.91354331 0.08645668 12 144 0.00737133 0.01195078 0.91453118 0.08546881 13 156 0.00683862 0.01147848 0.91548052 0.08451947 14 168 0.00638124 0.01108203 0.91639602 0.08360397 15 180 0.00598495 0.01074605 0.91727292 0.0x271707 RATE TO BORROWER: 2.000% YIELD TO ASSOCIATION: 10.000% IORROBR GY FACTOR FACTOR PUBLIC GY YRS MNTN PER MONTH PER MONTH FUNDS FUNDS 5 60 0.01752776 0.02124704 0.81200367 0.18799632 6 72 0.01475044 0.01852584 0.81419879 0.18580120 7 64 0.01276744 0.01660118 0.81631147 0.18368852 8 96 0.01128087 0.01517416 0.81834901 0.18165094 9 108 0.01012527 0.01407869 0.82030849 0.17969150 10 120 0.00920135 0.01321507 0.82219100 0.17150899 11 132 0.00814591 0.01251948 0.82400265 0.17599734 12 144 0.00781684 0.01195078 0.82574169 0.17425830 13 1S6 0.00728497 0.01147848 0.82741219 0.17258780 14 168 0.00682948 0.01108203 0.82901382 0.17094617 15 180 0.00643509 0.01074605 0.83054900 0.16945099 RATE TO BORROWER: - 3.000% YIELD TO ASSOCIATION: 10.000% BORROWER GW FACTOR FACTOR _ PUBLIC GW YRS MNTH PER MONTH PER MONTH FUNDS FUNDS 5 60 0.01796869 0.02124704 0.71573860 0.28426139 6 72 0.01519368 0.01852584 0.71861012 0.28138987 7 84 0.01321330 0.01660118 0.72137529 0.27862470 8 96 0.01172957 0.01517416 0.72403464 0.27596535 9 108 0.01057694 0.01407869 0.72658996 0.27341003 10 120 0.00965607 0.01321507 0.72904383 0.27095616 11 132 0.00890376 0.01251988 0.73139774 0.26860225 12 144 0.00827787 0.01195078 0.73365238 0.26634761 13 156 0.00774921 0.01147848 0.73581402 0.26418597 14 166 0.00729695 0.01108203 0.73788283 0.26211716 15 180 0.00690582 0.01074605 0.73985822 0.26014177 i -- I RATE TO RORROWR: 4.000% YIELD TO ASSOCIATION: 10.000% BORROWER GW FACTOR FACTOR PUBLIC GH YRS IMTN PER MONTH PER MONTN FUNDS FUNDS S 60 0.01841652 0.02126704 0.61796709 0.38203290 6 72 0.01564518 0.01852584 0.62126010 0.37675989 7 84 0.01366881 0.01660118 0.62638435 0.3756156E 8 96 0.01218928 0.01517616 0.62740602 0.37259397 9 108 0.01104097 0.01607569 0.63030680 0.36969319 10 120 0.01012451 0.01321507 0.63308617 0.36691382 11 132 0.00937667 0.01251988 0.63576679 0.36425320 12 1" 0.00875528 0.01195078 0.63829121 0.36170878 13 156 0.00823116 0.01147548 0.64072153 0.35927546 14 168 0.00775346 0.01108203 0.64304009 0.35695990 15 180 0.00739688 0.01074605 0.64525066 0.35474933 RATE TO BORROWER: 5.000% YIELD TO ASSOCIATION: - 10.000% BORROWER w FACTOR FACTOR PtXLIC GY YRS NMTN PER NONTN PER NONTN - FUNDS FUNDS -5 60 0.01887123 0.02124704 0.51869352 0.48130647 6 72 0.01610493 0.01852584 0.52209090 0.47790909 7 64 0.01413391 0.01660118 0.52535143 0.47464856 8 96 0.01265992 O MSMU 0.52547996 0.47152001 9 105 0.01151727 0.01407869 0.53147770 0.46852229 10 120 0.01060655 0.01321507 0.53434262 0.46565737 11 132 0.00966449 0.01251988 0.53705014 0.46291965 12 144 0.00924890 0.01195078 0.53969215 0.46030784 13 156 0.00873060 0.01147848 0.54217813 0.45782186 14 165 0.00828871 0.01105203 0.54454407 0.45545592 15 180 0.00790794 0.01074605 0.54675991 0.45321008 RATE TO BORROWER: 6.000% YIELD TO ASSOCIATION: 10.000% BORROWER GW FACTOR FACTOR PUBLIC GW TRS RUTH PER MONTH PER MONTH FUNDS FUNDS 5 60 0.01933280 0.021247% 0.41792226 0.58207773 6 72 0.01657289 0.01852584 0.42117114 0.57882885 7 84 0.01460855 0.01660118 0.42428718 0.57571281 8 96 0.01314143 0.01517416 0.42726912 0.57273087 9 108 0.01200575 0.01407869 0.43012133 0.56987866 10 120 0.01110205 0.01321507 0.43284186 0.56715813 11 132 0.01036703 0.01251988 0.43543622 0.56456377 12 144 0.00975850 0.01195078 0.43790113 0.56209886 13 156 0.00924723 0.01147848 0.44024300 0.55975699 14 168 0.00881236 0.01108203 0."246106 0.55753893 15 180 0.00843857 0.01074605 0.44455880 0.55544119 RATE TO BORROWER: 7.000% YIELD TO ASSOCIATION: 10.000% BORROWER GW FACTOR FACTOR PUBLIC GY YRS MNTH PER MONTH PER MONTH FUNDS FUNDS 5 60 0.01980120 0.02124704 0.31565985 0.68434014 6 72 0.01704901 0.01852584 0.31849160 0.68150839 7 84 0.01509268 0.01660118 0.32120223 0.67879776 8 96 0.01363372 0.01517416 0.32379236 0.67620763 9 108 0.01250628 0.01407869 0.32626467 0.67373532 10 120 0.01161085 0.01321507 0.32861666 0.67138333 11 132 0.01088410 0.01251988 0.33085345 0.66914654 12 144 0.01028381 0.01195078 0.33297208 0.66702791 13 156 0.00978074 0.01147848 0.33497732 0.66502267 14 168 0.00935401 0.01108203 0.33686904 0.66313095 15 180 0.00898828 0.01074605 0.33865174 0.66134825 RATE TO /ORRQER: 8.000% YIELD TO AVIOCIATION: 10.000% BORROWIt QJ FACTOR FACTOR PWLIC W YRS IMTN PER NOIITN PER NONTN FUNDS FUNDS S 60 0.02027639 0.02124704 0.21191504 0.78808195 6 72 0.01753324 0.01852584 0.21406307 0.78593692 7 84 0.01558621 0.01660118 0.21611576 0.78388473 8 96 0.01413666 0.01517416 0.21807282 0.78192717 9 106 0.01301871 0.01407369 0.21993883 0.78006116 10 120 0.01213276 0.01321507 0.22170593 0.77829406 11 132 0.01141545 0.01251968 0.22338241 0.77661758 12 1" 0.01082453 0.01195078 0.22496494 0.77503505 13 156 0.010133074 0.01147818 0.22645801 O-MS4195 14 168 0.00991318 0.01108203 0.22786159 0.77213840 15 180 0.00955652 0.01074605 0.22917469 0.77032530 RATE TO SORROYER: - 9.000% YIELD TO ASSOCIATION: 10.000% BORROWER GW - FACTOR FACTOR PUBLIC GW YRS INTN PER NONTN PER MONTH FtMDS RMS 5 60 0.02075336 0.02124764 0.10668999 0.89331000 6 72 0.01802554 0.01852534 0.10789417 0.892105x2 7 84 0.01608908 0.01660118 0.10904054 O.WM945 a 96 0.01465020 0.01517416 0.11013362 0.38966637 9 108 0.01354291 0.01407869 0.11117080 0.88382919 10 120 0.01266758 0.01321507 0.11215066 0.33784933 11 132 0.01196080 0.01251968 0.11307972 0.88692027 12 144 0.0113x031 0.01195078 0.11394961 0.88605038 13 156 0.01089681 0.01147348 0.11476802 0.88523197 14 168 0.0104aM 0.01108203 0.11553421 0.88446578 15 180 0.01014267 0.01074605 0.11624711 0.88375288 J RATE TO BORROWER: 10.000% YIELD TO ASSOCIATION: 10.000% BORROWER PAYMENT GW FACTOR FACTOR PUBLIC GW YRS MNTH PER MONTH PER MONTH FUNDS FUNDS 5 60 0.02124704 0.02124704 0.00000000 1.00000000 6 72 0.01852584 0.01852584 0.00000000 1.00000000 7 84 0.01660118 0.01660118 0.00000000 1.00000000 8 96 0.01517416 0.01517416 0.00000000 1.00000000 9 108 0.01407869 0.01407869 0.00000000 1.00000000 10 120 0.01321507 0.01321507 0.00000000 1.00000000 11 132 0.01251988 0.01251988 0.00000000 1.00000000 12 144 0.01195078 0.01195078 0.00000000 1.00000000 13 156 0.01147848 0.01147848 0.00000000 1.00000000 14 168 0.01108203 0.01108203 0.00000000 1.00000000 15 180 0.01074605 0.01074605 0.00000000 1.00000000