Agenda packet — Lakeport City Council, August 18, 2026 (part 2 of 2)

April 2024

Table 1. Countermeasures for Signalized Intersections
No. Type Countermeasure Name Crash Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
SI01NT Lighting Add intersection lighting (S.I.) Night 40% 20 90% Medium SI02 Signal Mod. Improve signal hardware: lenses, back-plates with retroreflective borders, mounting, size, and number All 15% 10 90% Very High
SI03 Signal Mod. Improve signal timing (coordination, phases, red, yellow, or operation) All 15% 10 50% Very High SI04EV Signal Mod. Install emergency vehicle pre-emption systems Emergency Vehicle 70% 10 90% High
SI05 Signal Mod. Install left-turn lane and add turn phase (signal has no left-turn lane or phase before) All 55% 20 90% Low
SI06 Signal Mod. Provide protected left turn phase (left turn lane already exists) All 30% 20 90% High SI07 Signal Mod. Convert signal to mast arm (from pedestal-mounted) All 30% 20 90% Medium SI08 Operation/
Warning Install raised pavement markers and striping (Through Intersection) All 10% 10 90% Very High SI09 Operation/
Warning Install flashing beacons as advance warning (S.I.) All 30% 10 90% Medium SI10 Operation/
Warning Improve pavement friction (High Friction Surface Treatments) All 55% 10 90% Medium SI11 Geometric Mod. Install raised median on approaches (S.I.) All 25% 20 90% Medium SI12PB Geometric Mod. Install pedestrian median fencing on approaches P & B 35% 20 90% Low SI13 Geometric Mod. Create directional median openings to allow (and restrict) left-turns and u-turns (S.I.) All 50% 20 90% Medium
SI14 Geometric Mod. Install right‐turn lane (S.I.) All 15% 20 90% Medium SI15 Geometric Mod. Reduced Left-Turn Conflict Intersections (S.I.) All 50% 20 90% Medium SI16RA Geometric Mod. Convert intersection to roundabout (from signal) All Varies 20 90% Low SI17RA Geometric Mod. Convert intersection to compact roundabout (from signal) All Varies 20 90% Low SI18PB Ped and Bike Install pedestrian countdown signal heads P & B 25% 20 90% Very High SI19PB Ped and Bike Install pedestrian crossing (S.I.) P & B 25% 20 90% High SI20PB Ped and Bike Pedestrian Scramble P & B 40% 20 90% High SI21PB Ped and Bike Install advance stop bar before crosswalk (Bicycle Box) P & B 15% 10 90% Very High SI22PB Ped and Bike Modify signal phasing to implement a Leading Pedestrian Interval (LPI) P & B 60% 10 90% Very High

HSIP Analyzer Manual for BCR Applications

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April 2024

Table 2. Countermeasures for Non-Signalized Intersections No. Type Countermeasure Name Crash Type CRF
Expecte
d Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
NS01NT Lighting Add intersection lighting (NS.I.) Night 40% 20 90% Medium NS02 Control Convert to all-way STOP control (from 2-way or Yield control) All 50% 10 90% High NS03 Control Install signals All 30% 20 90% Low
NS04RA Control Convert intersection to roundabout (from all way stop) All Varies 20 90% Low NS05RA Control Convert intersection to roundabout (from stop or yield control on minor road) All Varies 20 90% Low NS06RA Control Convert intersection to compact roundabout (from all way stop) All Varies 20 90% Medium NS07RA Control Convert intersection to compact roundabout (from stop or yield control on minor road) All Varies 20 90% Medium
NS08 Operation/ Warning Install/upgrade larger or additional stop signs or other intersection warning/regulatory signs All 15% 10 90% Very High
NS09 Operation/ Warning Upgrade intersection pavement markings (NS.I.) All 25% 10 90% Very High NS10 Operation/ Warning Install Flashing Beacons at Stop-Controlled Intersections All 15% 10 90% High NS11 Operation/ Warning Install flashing beacons as advance warning (NS.I.) All 30% 10 90% High NS12 Operation/ Warning Install transverse rumble strips on approaches All 20% 10 90% High NS13 Operation/ Warning Improve sight distance to intersection (Clear Sight Triangles) All 20% 10 90% High NS14 Operation/ Warning Improve pavement friction (High Friction Surface Treatments) All 55% 10 90% Medium NS15 Geometric Mod. Install splitter-islands on the minor road approaches All 40% 20 90% Medium NS16 Geometric Mod. Install raised median on approaches (NS.I.) All 25% 20 90% Medium NS17 Geometric Mod. Create directional median openings to allow (and restrict) left-turns and uturns (NS.I.) All 50% 20 90% Medium NS18 Geometric Mod. Reduced Left-Turn Conflict Intersections (NS.I.) All 50% 20 90% Medium NS19 Geometric Mod. Install right-turn lane (NS.I.) All 20% 20 90% Low NS20 Geometric Mod. Install left-turn lane (where no left-turn lane exists) All 35% 20 90% Low NS21PB Ped and Bike Install raised medians / refuge islands (NS.I.) P & B 45% 20 90% Medium NS22PB Ped and Bike Install pedestrian crossing at uncontrolled locations (new signs and markings only) P & B 25% 10 90% High
NS23PB Ped and Bike Install/upgrade pedestrian crossing at uncontrolled locations (with enhanced safety features) P & B 35% 20 90% Medium
NS24PB Ped and Bike Install Rectangular Rapid Flashing Beacon (RRFB) P & B 35% 20 90% Medium NS25PB Ped and Bike Install Pedestrian Signal (including Pedestrian Hybrid Beacon (HAWK)) P & B 55% 20 90% Low HSIP Analyzer Manual for BCR Applications

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April 2024

Table 3. Countermeasures for Roadways
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
R01NT Lighting Add segment lighting Night 35% 20 90% Medium R02 Remove/ Shield Obstacles Remove or relocate fixed objects outside of Clear Recovery Zone All 35% 20 90% High R03 Remove/ Shield Obstacles Install Median Barrier All 25% 20 90% Medium R04 Remove/ Shield Obstacles Install Guardrail All 25% 20 90% High R05 Remove/ Shield Obstacles Install impact attenuators All 25% 10 90% High R06 Remove/ Shield Obstacles Flatten side slopes All 30% 20 90% Medium R07 Remove/ Shield Obstacles Flatten side slopes and remove guardrail All 40% 20 90% Medium R08 Geometric Mod. Install raised median All 25% 20 90% Medium R09 Geometric Mod. Install median (flush) All 15% 20 90% Medium R10PB Geometric Mod. Install pedestrian median fencing on approaches P & B 35% 20 90% Low R11 Geometric Mod. Install acceleration/ deceleration lanes All 25% 20 90% Low R12 Geometric Mod. Widen lane (initially less than 10 ft) All 25% 20 90% Medium R13 Geometric Mod. Add two-way left-turn lane All 30% 20 90% Medium R14 Geometric Mod. Road Diet (Reduce travel lanes and add a two way left-turn and bike lanes) All 35% 20 90% Medium
R15 Geometric Mod. Widen shoulder All 30% 20 90% Medium R16 Geometric Mod. Curve Shoulder widening (Outside Only) All 45% 20 90% Medium R17 Geometric Mod. Improve horizontal alignment (flatten curves) All 50% 20 90% Low R18 Geometric Mod. Flatten crest vertical curve All 25% 20 90% Low R19 Geometric Mod. Improve curve superelevation All 45% 20 90% Medium R20 Geometric Mod. Convert from two-way to one-way traffic All 35% 20 90% Medium R21 Geometric Mod. Improve pavement friction (High Friction Surface Treatments) All 55% 10 90% High HSIP Analyzer Manual for BCR Applications

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April 2024

Table 3. Countermeasures for Roadways (Continued)
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
R22 Operation/ Warning Install/Upgrade signs with new fluorescent sheeting (regulatory or warning) All 15% 10 90% Very High
R23 Operation/ Warning Install chevron signs on horizontal curves All 40% 10 90% Very High R24 Operation/ Warning Install curve advance warning signs All 25% 10 90% Very High R25 Operation/ Warning Install curve advance warning signs (flashing beacon) All 30% 10 90% High R26 Operation/ Warning Install dynamic/variable speed warning signs All 30% 10 90% High R27 Operation/ Warning Install delineators, reflectors and/or object markers All 15% 10 90% Very High R28 Operation/ Warning Install edge-lines and centerlines All 25% 10 90% Very High R29 Operation/ Warning Install no-passing line All 45% 10 90% Very High R30 Operation/ Warning Install centerline rumble strips/stripes All 20% 10 90% High R31 Operation/ Warning Install edgeline rumble strips/stripes All 15% 10 90% High R32 Operation/ Warning Speed Safety Cameras All 20% 10 90% High R33PB Ped and Bike Install bike lanes P & B 35% 20 90% High R34PB Ped and Bike Install Separated Bike Lanes P & B 45% 20 90% High R35PB Ped and Bike Install sidewalk/pathway (to avoid walking along roadway) P & B 80% 20 90% Medium R36PB Ped and Bike Install/upgrade pedestrian crossing (with enhanced safety features) P & B 35% 20 90% Medium R37PB Ped and Bike Install raised pedestrian crossing P & B 35% 20 90% Medium R38PB Ped and Bike Install Rectangular Rapid Flashing Beacon (RRFB) P & B 35% 20 90% Medium R39AL Animal Install animal fencing Animal 80% 20 90% Medium City of Lakeport Local Road Safety Plan
Appendix

APPENDIX D
Focus Area Strategy Tables
Distracted
Driving Public
Outreach
Campaign
Local distracted driving
messaging campaign,
targeted at Young Drivers
using a variety of media
outlets
Lakeport - Public
Works & Law
Enforcement, and
Other Local
Partners
Medium-term

1. Grant funding obtained for
specific Distracted Driving
outreach campaign

2. Implemented outreach
campaign for full quarter (3
months)
NHTSA 402,
NHTSA 405(e)
, SS4A
Social Media
Outreach
Campaign
This highly targeted outreach
effort includes providing
educational materials to
target populations regarding
the dangers and penalties
associated with distracted
driving exclusively through
social media platforms.

Lakeport - Public
Works & Law
Enforcement, and
Other Local
Partners
Short-term /
Medium-term
Monthly social media blast
providing educational
materials from Lakeport -
Public Works (Secondary
parties may be used to
amplify and extend the reach
of the campaign through
coordination with the
Lakeport Public Works)
NHTSA 402,
NHTSA 405(e)
, SS4A
High Visibility
Enforcement
Conduct high visibility
enforcement program,
contingent on staff resources,
to increase awareness of
enforcement efforts and to
provide citations as needed.

May be combined with High
Visibility Enforcement
programs from other Focus
Areas.

Lakeport Law
Enforcement
Local law
enforcement
partners
Medium - Term
Short-term: Grant funding
obtained for increased High
Visibility Enforcement
Program
Medium-term: High Visibility
Enforcement Program
established & implemented
quarterly
CTFGP,
NHTSA 402,
NHTSA 405(e)
, SS4A
Increased rate
of crash data
completion
Crash data for all applicable
fields are completed for all
crashes within Lakeport
Lakeport Law
Enforcement
California
Highway Patrol
Long-term
Crash Data Working Group:

1. Establishes annual data
reconciliation process
between Law Enforcement
and Public Works

2. Tracks data record
completion rates annually

3. Identifies beneficial data
attributes, as needed
Data record completion
rates
NHTSA 402
Lakeport Local Road Safety Plan
Distracted Driving - Focus Area Strategy Table
Objectives
Reduction in annual citations for cellphone usage or other distracted driving Reduction in crashes attributed to distracted driving
Success Indicators
Strategic Linkage
Identified as one of 16 Challenge Areas an Focus Area in the California Strategic Highway Safety Plan (SHSP).

Ranked as the highest area of concern in public outreach survey Accounts for 18% of Injury Crashes, and 16% of All Crashes Increased awareness of safety impacts of distracted driving.

Implement successful public outreach and driver engagement efforts to increase awareness.

Implementation
Timeframe Performance Measures
Enforcement Education
Monitoring and Evaluation Funding
Opportunities Actions Target Output Responsible Parties Total fatal & serious injury
crashes
Total fatal & serious injury
crashes involving
distracted driving
(cellphone usage, or other
distraction)
Number of distracted
driving or distracted
driving related violations
issued annually
Responsible
Beverage Service
Local server training programs for serving
alcohol are intensive, high quality, and
face-to-face programs
Lakeport Public
Works, Local
Chamber of
Commerce
Long - Term
Local server training
programs include in
person instruction
Annual number of
alcohol-involved
crashes
Annual alcoholinvolved fatal & serious
injury crashes
Existing
Budget
Coordinate with
Transportation
Network
Companies (Uber,
Lyft, etc.) for
increased presence
Increased number of ride-hailing services
and vehicles available
Lakeport Public
Works, Ride-hail
companies (Uber,
Lyft, etc.), Local
Chamber of
Commerce, other
local partners
Medium - Term
Number of active,
licensed ride-hail
drivers/vehicles (Uber,
Lyft)
Number of active,
licensed ride-hail
drivers/vehicles (Uber,
Lyft)
Existing
Budget
Coordinate with
Transportation
Network
Companies (Uber,
Lyft, etc.) for a
Sober Ride Home
program
Established program to provide Sober
Rides Home to residents
Lakeport Public
Works, Ride-hail
companies (Uber,
Lyft, etc.), Local
Chamber of
Commerce, other
local partners
Medium - Term

1. Pilot program with
Uber / Lyft established to
provide discounted sober
rides home

2. Long-term Sober Rides
home program /
partnership established
with TNC company
Annual rides through
the Sober Rides Home
program
Annual alcohol/drug
involved crashes
NHTSA 402
High Visibility
Enforcement
Program
Conduct high visibility enforcement
program, contingent on staff resources, to
increase awareness of enforcement efforts
and to provide citations as needed. May
be combined with High Visibility
Enforcement programs from other Focus
Areas.

Lakeport Law
Enforcement
Local law
enforcement
partners
Medium - Term

1. Grant funding obtained
for increased High
Visibility Enforcement
Program

2. High Visibility
Enforcement Program
established &
implemented quarterly
Annual number of
alcohol-involved
crashes
Annual DUI Arrests
Annual alcoholinvolved fatal & serious
injury crashes

CTFGP, NHTSA
402, NHTSA
405(d) , SS4A
Publicized DUI
Checkpoints
Publicly noticed DUI checkpoints
conducted during high alcohol-involved
periods, contingent on staff resources
Lakeport Law
Enforcement
Local law
enforcement
partners
Long-Term

1. Grant funding obtained
for increased DUI
checkpoints

2. DUI Checkpoints
publicized and conducted
Annual number of
alcohol-involved
crashes
Annual DUI Arrests
Annual alcoholinvolved fatal & serious
injury crashes

CTFGP, NHTSA
402, NHTSA
405(d)
Increased rate of
crash data
completion
Crash data for all applicable fields are
completed for all crashes within Lakeport
Lakeport Law
Enforcement
California Highway
Patrol
Long-term
Crash Data Working
Group:

1. Establishes annual data
reconciliation process
between Law
Enforcement and Public
Works

2. Tracks data record
completion rates annually

3. Identifies beneficial
data attributes, as needed
Data record
completion rates NHTSA 402
Lakeport Local Road Safety Plan
Impaired Driving - Focus Area Strategy Table
Identified in the California Strategic Highway Safety Plan (SHSP) as a High Priority Challenge Area.

Ranked as the third highest priority in the public outreach survey Tied with others for highest Primary Collision Factor in serious injury and fatal crashes, accounting for 11 percent of all crashes and 15 percent of fatal and serious injury crashes
Strategic Linkage
Education
Target Output Responsible Parties Implementation
Timeframe Performance Measures Monitoring and Evaluation Funding Opportunities Objectives Success Indicators
Alcohol/drug involved crashes, injuries, and fatalities are reduced. Reduction in frequency of crashes, injuries, and fatalities involving alcohol and drugs.

Actions
Enforcement
Education Speed Kills Campaign
Conduct public outreach campaign about theimportance of driving the speed limit and theimpact just 5 mph can have on the severity of a crash Lakeport Public
Works and
Lakeport Law
Enforcement
Short-term

1. Grant funding obtained for specific Speedingfocused outreach campaign2. Implemented outreach campaign for full quarter (3 months) NHTSA 402,
NHTSA 405 ( e ) ,
SS4A
Enforcement Targeted Speed Enforcement Program Reduced speeding issues along select corridors through regular and targeted enforcement patrols Lakeport Public Works and Lakeport Law Enforcement Medium-term

1. Grant funding obtained for Targeted SpeedEnforcement Program2. Targeted Speed Enforcement implementedquarterly along at least three corridors for a fullcalendar year.

NHTSA 402,
NHTSA 405 ( e ) ,
SS4A
Traffic Calming Measures
Lateral shits, chicanes, speed humps, speed tables, median islands, and curb extensions. Traffic calming measures should be considered mindful of emergency services and evacuation. They should not hinder emergency response vehicles or impede an evacuation, particularly on key routes.

Lakeport Public
Works and
Lakeport Law
Enforcement
Short-term /
Long-term
Short-term: Grant Application(s) completedLong-term: Constructed safety countermeasures HSIP, NHTSA 402,
SS4A
Total, fatal & serious
injury crashes
involving 'Unsafe
Speed' Primary
Collision
Factor
Actions Target Output Responsible Parties Implementation Timeframe Performance Measures Monitoring and Evaluation Engineering
Reducing speeding and other aggressive driving
behaviors Serious injury & fatal crashes involving 'Unsafe Speed' are reduced.

Lakeport Local Road Safety Plan
Speeding/ Aggressive Driving - Focus Area Strategy Table Strategic Linkage
Identified in the California Strategic Highway Safety Plan (SHSP) as a High Priority Challenge Area.

Accounted for 19 percent of all crashes and 26 percent of fatal and serious injury crashes Objectives Success Indicators
Funding Opportunities
Enforcement Increased rate of crash data completion
Lakeport Law
Enforcement
California
Highway Patrol
Long-term
Crash Data Working Group: 1. Establishes annual data reconciliation process between Law Enforcement and Public Works2. Tracks data record completion rates annually3. Identifies beneficial data attributes, as needed Data record completion rates NHTSA 402 , SS4A
Add intersection lightingUpgrade intersection pavement markings (NS.I.)Install pedestrian crossing at uncontrolled locations (new signs and marking only) Install/upgrade pedestrian crossing at uncontrolled locations (with enhanced safety features)Mini-Roundabout installations Install Rectangular Rapid Flashing Beacon (RRFB)
EMSEvaluate emergency vehicle detection along priority emergency routes Lakeport Public Works/ Caltrans Medium-term Emergency vehicle detection system installed along highest priority emergency routes Corridors with emergency vehicle detection systems operational HSIP*, SS4A Other Crash data for all applicable fields are
completed for all crashes within the
Lakeport
Target Output
Short-term
/
Long-term
Short-term:

HSIP Grant Application(s) Completed
ATP Grant Application(s) Completed
(City or CUSD)
Long-Term:

Constructed safety countermeasures
through successful HSIP or other
grant(s)
Number of serious injury & fatal crashes
which occur at signalized & nonsignalized intersections Number of serious injury & fatal crashes
at signalized & non-signalized
intersections by crash type
Number of crashes at signalized & nonsignalized intersections

HSIP, ATP,
CMAQ, SS4A
Lakeport Local Road Safety Plan
Intersection Safety - Focus Area Strategy Table
Strategic Linkage
Identified in the California Strategic Highway Safety Plan (SHSP) as a High Priority Challenge Area. ‘Intersection Safety’ was ranked as the 4th highest concern in the public outreach survey, and ‘Intersection Improvements’ ranked as the 4th highest preferred safety improvement 72% of all crashes, and 64% of serious injury and fatal crashes occur at an intersection Responsible
Parties
Implementation
Timeframe Performance Measures Monitoring and Evaluation Funding Opportunities Objectives Success Indicators
Crashes, injuries, and fatalities at signalized and non-signalized intersections are reduced. Reduction in frequency of crashes, injuries, and fatalities at signalized and non-signalized intersections.

Actions
Engineering
Short-term:

Develop HSIP location specific and
systemic grant application(s)
Develop grant application(s) for other
funding sources
Long-Term:

Obtain grant funding
Construct safety countermeasures
Lakeport Public
Works
Caltrans
Increase emergency vehicle detection and
response times along priority routes
*If Emergency Vehicle involved crashes have occurred at the project location. If not, other funding necessary.

Potential Unsignalized Intersection
Safety Countermeasures
Elementary-Age Child
Pedestrian Training
Lakeport School
District & Lakeport
Public Works
Long-term
Short-term: Pilot pedestrian safety
program initiated at least one Lakeport
School District affiliated school
Long-term: Pedestrian safety program
incorporated into Physical Education
curriculum across all elementary schools
Number of programs
implemented
NHTSA 402
NHTSA 405(h),
SS4A
Conspicuity
Enhancement
Lakeport School
District & Lakeport
Public Works
Medium-term
Obtain high visibility / retroreflective
materials for pedestrians through grant
funding or standard procurement
Provide high visibility / retroreflective
materials for pedestrians at in-person
events on a regular and on-going basis
(at least semi-annually)
Percent of pedestrian
crashes which occur
outside of 'Daylight'
lighting conditions
NHTSA 402
NHTSA 405(h),
SS4A
Increased rate of crash
data completion
Lakeport Law
Enforcement
California Highway
Patrol
Long-term
Crash Data Working Group:

1. Establishes annual data reconciliation
process between Law Enforcement and
Public Works

2. Tracks data record completion rates
annually

3. Identifies beneficial data attributes, as
needed
Data record completion
rates NHTSA 402
Safe Routes to School
Planning
Lakeport School
District & Lakeport
Public Works
Short-term /
Medium-term
Short-term: ATP Application submitted
for Safe Routes to School Plan
Medium-term: Safe Routes to School
Plan completed for all county schools
Percentage of students
walking to school
(gathered during safe
routes to school plan and
through annual
evaluation / monitoring)
Total Vehicle / Pedestrian
crashes
Total Vehicle / Pedestrian
fatal & serious injury
crashes
ATP , SS4A
ADA Compliance Lakeport Public Works Short-term /
Long-term
Short-term: Standards reviewed and
updated
Long-term: Projects meet ADA
compliance
Completed ADA
compliant projects ATP , SS4A
Install sidewalk / pathway (to avoid walking
along roadway)
Enhance pedestrian crosswalks
Install pedestrian crossing (S.I)
Modify signal phasing to implement a
Leading Pedestrian Interval (LPI)
Install pedestrian crossing at uncontrolled
locations (new signs and marking only)
Install pedestrian crossing at uncontrolled
locations (new signs and markings only)
Install/upgrade pedestrian crossings at
uncontrolled locations (with enhanced safety
features)
Add red curbing and no parking signage at
intersections and crosswalks
Install Rectangular Rapid Flashing Beacon
(RRFB)
Target Output
Established program to equip school aged
children with knowledge of how to be a safe
pedestrian. Similar to NHTSA Child Pedestrian
Safety Curriculum.

Increased visibility of pedestrians at night
through greater use of retroreflective, bright
colored, and fluorescent clothing while walking
Lakeport Local Road Safety Plan
Pedestrian Safety - Focus Area Strategy Table
Actions Responsible Parties
Success Indicators
Pedestrian crashes, injuries, and fatalities are reduced.

Pedestrian crashes, injuries, and fatalities in marked crosswalks are eliminated.

Objectives
Identified in the California Strategic Highway Safety Plan (SHSP) as a High Priority Challenge Area.

Pedestrian Safety was ranked as the 2nd highest concern in the public outreach survey 100% of fatal crashes involved a pedestrian (1 crash), and 10% of serious injury crashes.

The majority (50%) of crashes involved a pedestrian crossing in a crosswalk Strategic Linkage
Reduction in frequency of crashes, injuries, and fatalities of pedestrians in the Lakeport Reduction in frequency of crashes, injuries, and fatalities of pedestrians in marked crosswalks.

Implementation
Timeframe Performance Measures Monitoring and Evaluation Funding Opportunities
Short-term: Number of
safety focuses grant
applications submitted
Long-term:

Pedestrian / Vehicle
percent of all fatal crashes
Pedestrian / Vehicle
percent of all serious
injury crashes

HSIP, ATP,
CMAQ, SS4A
Education Engineering
Short-term: Develop
HSIP location specific
and systemic grant
application(s)
Develop grant
application(s) for other
funding sources
Long-Term:

Obtain grant funding
Construct safety
countermeasures
Lakeport Public Works/
Caltrans
Short-term:

HSIP Grant Application(s) Completed
ATP Grant Application(s) Completed
Long-Term:

Constructed safety countermeasures
through successful HSIP or other grant(s)
Short-term
/
Long-term
Comprehensive plan to improve walking and
biking safety for students to / from school
Crash data for all applicable fields are completed
for all crashes within the Lakeport
Design standards are reviewed and updated as
needed for ADA compliance. Constructed
projects are ADA compliant.

Potential Pedestrian Safety Countermeasures
Enforcement
Bike Safety Education for
Children
Lakeport School
District & Lakeport
Public Works
Local Bike Advocacy
Groups
Long-term
Short-term: Pilot bicycle safety program
initiated at least one Lakeport School
District affiliated school
Long-term: Bicycle safety program
incorporated into Physical Education
curriculum across all Lakeport elementary
schools
Percentage of students
biking to school
(gathered during safe
routes to school plan
and through annual
evaluation /
monitoring)

ATP, NHTSA
402, SS4A
Bike Safety Education for
Adults
Lakeport Law
Enforcement &
Lakeport Public Works
Local Bike Advocacy
Groups
Long-term
Bicycle Safety & Basics course for
Lakeport residents taught by League of
American Bicyclists certified Instructor
through local bicycle organizations
Bicyclist percent of all
fatal & serious injury
crashes
Bicyclist percent of all
crashes
NHTSA 402,
SS4A
Active Lighting / Rider
Conspicuity
Lakeport Police/ Sheriff
& Lakeport Public
Works
Local Bike Advocacy
Groups
Medium-term
Short-term: Obtain high visibility /
retroreflective materials for bicyclists
through grant funding or standard
procurement
Medium-term: Provide high visibility /
retroreflective materials for bicyclists at
in-person events on a regular and ongoing basis (at least semi-annually) Annual bicyclistinvolved nighttime
fatal & serious injury
crashes
Annual bicyclistinvolved nighttime
crashes
NHTSA 402,
NHTSA 405(h) ,
SS4A
Driver Training
Lakeport Public Works
& Department of
Motor Vehicles Long-term
Driver safety training provided in the
Lakeport includes specific bicycle safety
information regarding bicyclist rights and
rules of the road
Bicyclist percent of all
fatal & serious injury
crashes
Bicyclist percent of all
crashes
Existing Budget
Share the Road Awareness
Program
Lakeport Public Works
& Public Information Short-term
Grant funding obtained for specific Share
the Road Awareness outreach campaign
Implemented outreach campaign for full
quarter (3 months)
Bicyclist-involved
crashes percent of all
fatal & serious injury
crashes
Bicyclist-involved
crashes percent of all
crashes
NHTSA 402 ,
SS4A
Enforcement Increased rate of crash
data completion
Lakeport Law
Enforcement
California Highway
Patrol
Long-term
Crash Data Working Group:

1. Establishes annual data reconciliation
process between Law Enforcement and
Public Works

2. Tracks data record completion rates
annually

3. Identifies beneficial data attributes, as
needed
Data record
completion rates NHTSA 402
Target Output
Crash data for all applicable fields
are completed for all crashes within
the City of Lakeport
Increase driver awareness of
bicyclist rights and needs on the
roadway
Incorporate bicycle safety and
sharing the road information into
local driver training (Drivers
Education) courses
Make bicyclists more visible at
night to avoid collisions
Bike safety instruction for adults
through a city program
Bike safety instruction for children
through school or city program
Bicyclist involved crashes, injuries, and fatalities are reduced.

Bicyclist involved crashes result in fewer injuries due to reduced vehicle-bicycle conflicts Objectives
Lakeport Local Road Safety Plan
Bicycle Safety - Focus Area Strategy Table
Strategic Linkage
Identified in the California Strategic Highway Safety Plan (SHSP) as a High Priority Challenge Area.

Bicycle Safety was ranked as the 5th highest priority in the public outreach survey 10% of serious injury crashes involved a bicyclist, 2% of overall crashes Education
Success Indicators
Reduction in frequency of crashes, injuries, and fatalities of bicyclists.

Bicycle Safety was ranked as the 5th highest priority in the public outreach survey 10% of serious injury crashes involved a bicyclist, 2% of overall crashes Success Indicators
Reduction in frequency of crashes, injuries, and fatalities of bicyclists.

Achieve Bicycle Friendly City designation from League of American Bicyclists Implementation
Timeframe Performance Measures Monitoring and Evaluation Funding
Opportunities Actions Responsible Parties
Safe Routes to School
Planning
Lakeport School
District & Lakeport
Public Works
Short-term /
Medium-term
Short-term: ATP Application submitted
for Safe Routes to School Plan
Medium-term: Safe Routes to School
Plan completed for all county schools
Percentage of students
walking to school
(gathered during safe
routes to school plan
and through annual
evaluation /
monitoring)
Total Vehicle /
Pedestrian crashes
Total Vehicle /
ATP, SS4A
Install bike lanes
Install protected bike lanes
Install Advance stop bar before
crosswalk (Bicycle Box)
Install pedestrian crossings at
uncontrolled locations (new
signs and marking only)
Install pedestrian crossings at
uncontrolled locations (new
signs and markings only)
Install/upgrade pedestrian
crossings at uncontrolled
locations (with enhanced safety
features)
Install Rectangular Rapid
Flashing Beacon (RRFB)

HSIP, ATP,

CMAQ, NHTSA
405(h), SS4A
Long-term
Comprehensive plan to improve
walking and biking safety for
students to / from school
Potential Bicycle Safety Countermeasures
Short-term:

HSIP Grant Application(s) Completed
ATP Grant Application(s) Completed (City
or CUSD)
Long-Term:

Constructed safety countermeasures
through successful HSIP or other grant(s)
Bicyclist-Involved
crashes percent of all
fatal crashes
Bicyclist-Involved
crashes percent of all
serious injury crashes
Bicyclist-Involved
crashes percent of all
crashes
Engineering Short-term: Develop HSIP
location specific and
systemic grant
application(s)
Develop grant
application(s) for other
funding sources
Long-Term:

Obtain grant funding
Construct safety
countermeasures
Lakeport Public Works/
Caltrans
2 of 2
Pedestrian & Bicycle
Conspicuity Enhancement
Provide lighting
elements and
retroreflective
materials to local
pedestrians and
bicyclists in order to
improve nighttime
visibility of vulnerable
roadway users.

Lakeport School
District & Lakeport
Public Works
Local Bike Advocacy
Groups
Medium-term
Short-term: Obtain high visibility /
retroreflective materials for
pedestrians & bicyclists through
grant funding or standard
procurement
Medium-term: Provide high
visibility / retroreflective materials
for pedestrians & bicyclists at inperson events on a regular and ongoing basis (at least semi-annually) Pedestrian & Bicyclist
percent of all annual fatal
& serious nighttime injury
crashes
Annual pedestrian &
bicyclists fatal & serious
injury crashes
Total amount of materials
distributed annually
NHTSA 402,
NHTSA
405(h), SS4A
Increased rate of crash data
completion
Crash data for all
applicable fields are
completed for all
crashes within the City
of Lakeport
Lakeport Law
Enforcement
California Highway
Patrol
Long-term
Crash Data Working Group:

1. Establishes annual data
reconciliation process between Law
Enforcement and Public Works

2. Tracks data record completion
rates annually

3. Identifies beneficial data
attributes, as needed
Data record completion
rates NHTSA 402
Engineering
Short-term: Conduct
Lighting Analysis at high
nighttime crash
intersections and roadway
segments
Long-term: Conduct
systemic lighting analysis
city-wide
Comply with lighting
standards and provide
lighting at select unlit
or under illuminated
roadways and
intersections.

Lakeport Public Works
Short-term
/
Long-term
Short-term: Lighting analysis
conducted and lighting up to
standard at all high crash frequency
and pedestrian fatality intersections.

Lighting deficiencies to be included
with HSIP location specific and
systemic grant applications, as
applicable
Long-term: Systemic lighting
analysis conducted and additional
lighting constructed
Annual nighttime fatal
and serious injury crashes
Existing
Budget, HSIP,
SS4A
Reduction in frequency of crashes, injuries, and fatalities during 'Dark' or 'Dusk' conditions.

Achieve higher level of illumination at high crash frequency intersections Actions
Enforcement
Lakeport Local Road Safety Plan
Roadway & Intersection Lighting - Focus Area Strategy Table Roadway and Intersection Lighting is a key countermeasure for several of the Challenge Areas in the California Strategic Highway Safety Plan (SHSP). 'Better Street Lighting' was the highest ranked preferred safety improvement in the public outreach survey. ‘Dark Conditions – No Streetlight’ crashes account for 8 percent of the total crashes, and 18 percent of the severe injury and fatal crashes.

Strategic Linkage
Target Output Responsible Parties Implementation
Timeframe Performance Measures Monitoring and Evaluation Funding Opportunities Objectives Success Indicators
Crashes, injuries, and fatalities listed under ‘Dark – No Street Lights’ and Dark ‘Street Lights not Functioning’ lighting conditions are reduced.

Higher roadway and intersection illumination
Enforcement Increased rate of crash
data completion
Lakeport Law
Enforcement
California
Highway Patrol
Long-term
Crash Data Working Group:

1. Establishes annual data reconciliation
process between Law Enforcement and
Public Works

2. Tracks data record completion rates
annually

3. Identifies beneficial data attributes,
as needed
Data record completion rates NHTSA 402
Implement a SafetyEdge for
rural roads
Widen lanes
Add lighting
Install Guardrail
Install centerline rumble
strips/stripes
Install edgeline rumble
strips/stripes
Remove or relocate fixed
objects outside of Clear
Recovery Zone
Install chevron signs on
horizontal curves
Install curve advance
warning signs
Install delineators, reflectors,
and/or object markers
Install edge-lines and
centerlines
EMSProtect Emergency
Responders
Lakeport Public
Works, Caltrans,
Law Enforcement,
Fire, EMS
Short-Term / Longterm
Short-term:

HSIP Grant Application(s) Completed
Long-Term:

Constructed safety countermeasures
through successful HSIP or other
grant(s), clear vegetation, secure
protection vehicles, establish
emergency vehicle notifications
Lane departure crashes (headon, sideswipe, hit object, and overturned) percent of all
fatal & serious injury crashes
Total lane departure type
fatal & serious injury crashes
HSIP, SS4A
Clear vegetation
Provide protection ("bumper")
trucks to block/buffer
emergency response vehicles
Implement emergency vehicle
notifications - notifications sent
to Waze/ Google maps, smart
vehicles
Lakeport Local Road Safety Plan
Lane Departures - Focus Area Strategy Table
Identified in the California Strategic Highway Safety Plan (SHSP) as a High Priority Challenge Area Collision types often associated with lane departures (head-on, sideswipe, hit object, and overturned type crashes) account for 62 percent of the total crashes, and 46 percent of the severe injury and fatal crashes.

Strategic Linkage
Short-term: Develop HSIP
location specific and
systemic grant
application(s)
Develop grant
application(s) for other
funding sources
Long-Term:

Obtain grant funding
Construct safety
countermeasures
Lakeport Public
Works/ Caltrans
Responsible Parties Implementation
Timeframe Performance Measures Monitoring and Evaluation Funding Opportunities
Objectives Success Indicators
Short-Term / Longterm

HSIP, CMAQ,
SS4A
Target Output
Short-term:

HSIP Grant Application(s) Completed
ATP Grant Application(s) Completed
(City or other)
Long-Term:

Constructed safety countermeasures
through successful HSIP or other
grant(s)
Lane departure crashes (headon, sideswipe, hit object, and overturned) percent of all
fatal & serious injury crashes
Total lane departure type
fatal & serious injury crashes
Lane Departure type crashes (Head-on, sideswipe, hit object, and overturned) resulting in injuries, and fatalities are reduced. Reduction in frequency of lane departure type crashes resulting in injuries, and fatalities.

Engineering
Actions
Potential Systemic Lane Departure HSIP
Countermeasures
Crash data for all applicable
fields are completed for all
crashes within the Lakeport
EducationMotorcycle Safety awareness messaging
Lakeport Law Enforcement & Lakeport Public WorksLocal Advocacy Groups Medium-term

1. Grant funding obtained for specific Motorcycle Safety outreach campaign2. Implemented outreach campaign for fullquarter (3 months) Total MotorcycleInvolved fatal &serious injury crashes NHTSA 402,
NHTSA 405 ( e ),
SS4A
Engineering
Increased driver awareness of
motorcyclists &
Reduction in motorcyclistinvolved
crashes
Engineering projects for Intersection Safety and Lane Departures will contribute to motorcycle visibility.

Funding
Opportunities Actions Target Output Responsible Parties Implementation Timeframe Performance Measures Monitoring and Evaluation Motorcycle involved crashes, injuries, and fatalities are reduced. Reduction in frequency of crashes, injuries, and fatalities of bicyclists.

Lakeport Local Road Safety Plan
Motorcycle Safety - Focus Area Strategy Table
Strategic Linkage
Identified in the California Strategic Highway Safety Plan (SHSP) as a Challenge Area. 18% of fatal and serious injury crashes involve a motorcycle Objectives Success Indicators
City of Lakeport Local Road Safety Plan
Appendix

APPENDIX E
Potential Project Packages
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
Background
Past HSIP Awards
Cycle Project Description
8 Lakeport - Install pavement markings. Various arterial and collector streets 10 City of Lakeport Sign Replacement
Program
Implement a street sign replacement program.

Replace 547 signs in the City including warning,
regulatory, guide and City specific signs.

Previous LRSP Recommendations

1. Intersection Safety – Systemic Unsignalized Intersections • 11th St. / N. Forbes St.
• 11th St. / Central Park Ave.
• 11th St. / Tunis St.
• S. Main St. / E St.
• N. Forbes St. / 3rd St.
• S. Main St. / Lakeport Blvd.*
• Main St. / Clear Lake Ave.**
• Bevins St. / Martin St.
• Lange St. / Lakeshore Blvd.
• Sayre St. / Lakeshore Blvd.

2. Pedestrian Safety – Systemic Pedestrian Crosswalk at Unsignalized Intersections • 11th St. / Brush St.
• Forbes St. / Martin St.
• Main St. / 11th St

3. Intersection Safety – Site Specific - 11th Street/ Forbes Street - Unsignalized Intersection

4. Intersection Safety – Site Specific - Rt 29/ Rt 175 - Signalized Intersection

5. Intersection Safety – Systemic Unsignalized Intersections 1 • 11th Street / Central Park Street
• 11th Street / Tunis Street
• Forbes Street / Martin Street
• 11th Street / SR 29

6. Intersection Safety – Systemic Unsignalized Intersections 2 • 11th Street / Central Park Street
• 11th Street / Tunis Street
• Forbes Street / Martin Street
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

7. Pedestrian Safety – Systemic Pedestrian Crosswalk at Unsignalized Intersections

8. Pedestrian Safety – Systemic Sidewalk
• 11th Street Corridor (Main Street to SR 29)
• 6th Street
• Lakeshore Boulevard

9. Lane Departures – Systemic Clear Recovery Zone
• 11th Street
• Lakeshore Boulevard
• Main Street

10. Lane Departures – Site Specific – Lakeshore Boulevard

11. Lane Departures – Site Specific – 11th Street Corridor

12. Lane Departures/Distracted Driving/Intersection Safety – Site Specific – Main Street

13. Lighting – Systemic Lighting Project

14. Speeding – Systemic Speed Project 1
• Lakeshore Blvd
• 11th St
• Main St
• Lakeport Blvd

15. Speeding – Systemic Speed Project 2
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

CITY OF LAKEPORT

POTENTIAL PROJECTS

1. Systemic Roadway Improvements

2. Systemic Lighting Project

3. Systemic Unsignalized Intersection Improvements

4. Systemic Pedestrian and Bicycle Improvements

5. 11th Street Corridor Improvements

6. Main Street Corridor Improvements
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

1. Systemic Roadway Improvements
Project Description
The project is to improve roadway segments with features primarily to reduce lane departure crashes – this is often attributed to run-off-the road or side-swipe crash types.

Project Need
In Lakeport:
• Distracted driving top concern in the public outreach • Hit object most common crash type
Systemic safety projects enable the deployment of proven countermeasures across multiple intersections with similar risk characteristics, rather than focusing on isolated locations. By applying treatments known to improve safety at scale, these projects can achieve meaningful reductions in overall crashes and serious injury crashes across the network. This approach maximizes the safety benefit of available resources while addressing systemic risk factors.

Public Endorsement
In the public survey, distracted driving was the highest concern.

Better street lighting was also the most preferred improvement.

Table 1 shows the potential locations with a roadway crash on a local (non-state) highway with ‘Hit Object’ or ‘Sideswipe’ as the primary collision factor.

From the Survey:
“Road conditions including lines”
“With so many 2-lane roadways rated for
highway speed, a campaign to encourage
folks to abide by the solid yellow 'no
passing' areas, in addition to the 'stay in
your lane through the corner' issue. Folks
frequently 'cut' corners on our twisty
residential roads.”
“I see lots of speeding traffic use the center
turn lane to pass vehicles following the
speed limit.”
“Lines painted clearly with reflectors on both
sides of the road (middle and shoulder) along
with physical barriers to oncoming traffic in
high risk areas”
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
Table 1: Lakeport Systemic Roadways Project Potential Locations Primary Roadway Secondary
Roadway Severity
North Main St 11th St Severe Injury
South Main St Grace Ln Other Visible Injury
2nd St North Main St PDO
Hartley St 19th St PDO
N High St 13th St PDO
South Main St S Main St 555 PDO
This list is preliminary. It may be modified, expanded or reduced in subsequent phases of grant application or planning. Other locations should be added for a systemic application.

Risk Factors and Potential Countermeasures
Main Street has undergone improvements recently. Risk factors around the subject roadways generally include lack of continuous sidewalks, lack of or faded striping and vegetation/obstacles adjacent to the roadway.

Potential countermeasures are provided in Table 2, along with corresponding HSIP data as applicable.

Systemic improvements should be grouped by locations with similar characteristics, although with justification it is possible to have countermeasures apply to some but not all locations.

Table 2: Countermeasures for Roadways
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
R02
Remove/
Shield
Obstacles
Remove or relocate fixed
objects outside of Clear
Recovery Zone
All 35% 20 90% High
R22 Operation/
Warning
Install/Upgrade signs with new
fluorescent sheeting
(regulatory or warning)
All 15% 10 90% Very High
R26 Operation/
Warning
Install dynamic/variable speed
warning signs All 30% 10 90% High
R27 Operation/
Warning
Install delineators, reflectors
and/or object markers All 15% 10 90% Very High
R28 Operation/
Warning
Install edge-lines and
centerlines All 25% 10 90% Very High
R30 Operation/
Warning
Install centerline rumble
strips/stripes All 20% 10 90% High
R31 Operation/
Warning
Install edgeline rumble
strips/stripes All 15% 10 90% High
Source: HSIP
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
BCR Potential
The Benefit Cost Ratio (BCR) will be determined by specific locations, limits and countermeasures applied. The BCR potential is anticipated to be low/medium for this project.

Considerations
• Locations should be grouped by similar characteristics and needed countermeasures. • Systemic locations should be added as needed while maintaining a competitive BCR.

CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

2. Systemic Lighting Project
Project Description
The potential project is to enhance lighting along roadways and intersections.

Project Need
In Lakeport:
• Two Serious Injury crashes and 9 total crashes occurred in ‘Dark Conditions No Lighting’ Conditions.
• ‘Dark Conditions – No Streetlight’ crashes account for 8 percent of the total crashes, and 18 percent of the severe injury and fatal crashes.
• The most common crash is hit object; this may be attributed to lighting in some areas.

Systemic safety projects enable the deployment of proven countermeasures across multiple intersections with similar risk characteristics, rather than focusing on isolated locations. By applying treatments known to improve safety at scale, these projects can achieve meaningful reductions in overall crashes and serious injury crashes across the network. This approach maximizes the safety benefit of available resources while addressing systemic risk factors.

Public Endorsement
Better Street lighting was the highest ranked priority for improvements.

Potential Locations
Lighting conditions for all potential locations should be verified in a field/lighting evaluation to determine if levels are sufficient. These locations had a crash that occurred in “Dark No Streetlights” conditions on a local (non-state highway) location. Other locations should be added for systemic application.

Table 3: Lakeport Systemic Lighting Project Potential Locations Primary Roadway Secondary Roadway Severity
Hartley St Anastasia Dr Severe Injury
20th St N High St Other Visible Injury
5th St Tunis St PDO
Clearlake Av N High St PDO
From the Survey:
“better streetlights, but the type that doesn't
disturb birds or create more light pollution
(we've got a pretty night sky, should keep it
that way!)”
“All of Lake county needs to have the roads
re-paved, lighting for better visibility…”
“We need lighting especially at street
corners”
“We need more sidewalks and lighting”
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
Potential Countermeasures
Potential countermeasures are provided in Table 4, along with corresponding HSIP data as applicable.

Systemic improvements should be grouped by intersections with similar characteristics, although with justification it is possible to have countermeasures apply to some but not all locations.

Table 4: Countermeasures for Lighting
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
SI01NT Lighting Add intersection lighting (S.I.) Night 40% 20 90% Medium NSI01NT Lighting Add intersection lighting (NS.I.) Night 40% 20 90% Medium RI01NT Lighting Add segment lighting Night 35% 20 90% Medium Source: HSIP
BCR Potential
The Benefit Cost Ratio (BCR) will be determined by specific locations, limits and countermeasures applied. The BCR potential is anticipated to be low.

Considerations
• Field evaluation to confirm lighting needs.
• Systemic locations added in as needed.

CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

3. Systemic Unsignalized Intersection Improvements
Project Description
The potential project is to enhance and upgrade unsignalized intersections.

Project Need
In Lakeport:
• Improper turning is at top common primary collision factor for fatal and serious injury crashes.
• 72% of all crashes, and 64% of serious injury and fatal crashes occur at an intersection.
• Rear-end and broadside are the 2nd and 3rd most common crash types.

Public Endorsement
‘Intersection Safety’ was ranked as the 4th highest concern in the public outreach survey. In the same survey, ‘Intersection Improvements’ ranked as the 4th highest preferred safety improvement.

Potential Locations and Risk Factors
Preliminary locations were selected based on several factors such as:
• Crash history (number and severity of crashes)
• Public outreach survey results
This list is preliminary. It may be modified, expanded or reduced in subsequent phases of grant application or planning. Table 5 shows the top unsignalized crash locations along local roads, and Table 6 shows additional locations.

From the Survey:
“The speed limit on lakeshore blvd is 35
and people routinely go 40-50 with so
many pedestrians. I have almost been
hit while running multiple times due to
poor lighting, distracted drivers, people
speeding, and terrible intersections.”
“I walk everyday with my dog. People
drive way too fast in residential areas,
downtown and parking lots. I see many
folks not even stopping at stop signs.

What happened to pedestrians have the
right away?”
“Way too many near misses of people
failing to stop at the Second Street stop
sign”
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
Table 5: Systemic Unsignalized Intersection Improvements Potential Locations (Top Intersections) Intersection Fatal Injury
(Severe)
Injury
(Other
Visible)
Injury
(Complaint
of Pain)
PDO Total Intersection
Control
Map
Votes
N Forbes St & 11th St 0 0 5 2 0 7 Unsignalized 0
Clear Lake Ave & N Main St 0 0 0 2 1 3 Unsignalized 0
The risk factors associated with the top intersections in Table 5 are lack of pedestrian crosswalks and potential site obstructions. These intersections could also benefit from enhanced safety features such as additional/ larger signage.

Table 6: Systemic Unsignalized Intersection Improvements Potential Locations (Additional Intersections)
Primary Road Secondary Rd Severity Risk Factors
11th St North St Fatal Lack of continuous sidewalks and crosswalks, lack of striping, potential sight obstructions
Hartley St Anastasia Dr Severe Injury Appears to be recently improved Martin St S Polk St Severe Injury Lack of continuous sidewalks and crosswalks, lack of striping, potential sight obstructions
North Main St 9th St Severe Injury On street parking, potential sight obstructions South Main St* E St Severe Injury On street parking, potential sight obstructions South Main St* Armstrong St Severe Injury On street parking, potential sight obstructions 11th St North Forbes St Other Visible
Injury
TBD as added for systemic application
11th St N Brush St Other Visible
Injury
20th St N High St Other Visible
Injury
Armstrong St S High St Other Visible
Injury
Bevins St Bevins St 525 Other Visible
Injury
Bevins St Bevins Ct Other Visible
Injury
Brush St 11th St Other Visible
Injury
Clear Lake Av North Main St Other Visible
Injury
Lakeshore Bl Lange St Other Visible
Injury
Martin St Russell St Other Visible
Injury
Mellor St 15th St Other Visible
Injury
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
N High St Clearlake Av Other Visible
Injury
North Forbes St First St Other Visible
Injury
North Main St 11th St Other Visible
Injury
North Main St 6th St Other Visible
Injury
North Main St 1st St Other Visible
Injury
Parallel Dr Hwy 175 Other Visible
Injury
South Main St Martin St Other Visible
Injury
South Main St* Lupoyoma Av Other Visible
Injury
11th St Central Park Av Possible Injury
16th St Palm Dr Possible Injury
3rd St North Main St Possible Injury
North Main St Clearlake Av Possible Injury
*Recent improvements in this area
Potential Additions for Systemic Application
Additional intersections on 11th St TBD
Lack of continuous sidewalks and crosswalks,
faded/no striping, potential sight obstructions
Intersections on 10th between Main Street and Manzanita Street (as an alternative to 11th)
Intersections on Armstrong between Main Street and Polk Street/ Russell Street
North Main Street / 7th Street
Potential Countermeasures
Potential countermeasures are provided in Table 7, along with corresponding HSIP data as applicable. Primary considerations are highlighted. Other locations added for systemic improvements should be grouped by intersections with similar characteristics.

Table 7: Countermeasures for Unsignalized Intersections No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
NS08 Operation/Warning
Install/upgrade larger or
additional stop signs or other
intersection warning/regulatory
signs
All 15% 10 90% Very High
NS09 Operation/Warning Upgrade intersection pavement
markings (NS.I.) All 25% 10 90% Very High
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
NS10 Operation/Warning Install Flashing Beacons at
Stop-Controlled Intersections All 15% 10 90% High
NS11 Operation/Warning Install flashing beacons as
advance warning (NS.I.) All 30% 10 90% High
NS13 Operation/Warning
Improve sight distance to
intersection (Clear Sight
Triangles)
All 20% 10 90% High
NS21P
B Ped and Bike Install raised medians / refuge islands (NS.I.) P & B 45% 20 90% Medium NS22P
B Ped and Bike
Install pedestrian crossing at
uncontrolled locations (new
signs and markings only)
P & B 25% 10 90% High
NS23P
B Ped and Bike
Install/upgrade pedestrian
crossing at uncontrolled
locations (with enhanced safety
features)
P & B 35% 20 90% Medium
NS24P
B Ped and Bike Install Rectangular Rapid Flashing Beacon (RRFB) P & B 35% 20 90% Medium NS25P
B Ped and Bike
Install Pedestrian Signal
(including Pedestrian Hybrid
Beacon (HAWK))
P & B 55% 20 90% Low
Source: HSIP
BCR Potential
The Benefit Cost Ratio (BCR) will be determined by specific locations, limits and countermeasures applied. The BCR potential is anticipated to be high.

Considerations
• Locations should be selected that have not recently been improved or are planned to be improved. • Locations should be grouped by similar characteristics and needed countermeasures.

CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

4. Systemic Pedestrian and Bicycle Improvements
Project Description
The project is to construct new pedestrian crosswalks, add sidewalk or multiuse paths, bicycle lanes, and enhancements to locations that lack these features. The Lakeport Active Transportation Plan also identifies prioritized needs for sidewalk projects.

Project Need
In Lakeport:
• 9 crashes involved pedestrians – 1 fatal, 1 serious injury. • 2 bicycle related crashes occurred – 1 severe injury and 1 possible injury.
• 50% occurred crossing in a crosswalk at an intersection. • Most pedestrian crashes (over 50%) are at intersections, most fatalities and severe injuries.
• The majority occurred on 11th Street (4 crashes – 1 fatal, 2 minor injury) and on Main St
Public Endorsement
In the public survey, ‘Pedestrian Safety’ was the 2nd highest ranked safety concern. 'Expanded Sidewalk Network' and 'More or Improved Pedestrian Crosswalks' was ranked 3rd and 5th priority for preferred improvements in the survey. In addition, 2 map comments were on pedestrian safety - one on 11th Street between Forbes Street and N. Main Street and one at Lange Street/Giselman Street.

Potential Locations and Risk Factors
Locations with a pedestrian crash are shown in Table 8, along with the pedestrian/bicycle facilities to identify risk factors. Many of these locations are at or adjacent to identified priority sidewalk projects in the Lakeport ATP, as shown with highlight. Other locations, particularly at or near schools, should be added for a systemic application.

From the Survey:
“A large portion of residents rely on daily
driving, but there are also many families,
workers, seniors, and residents without access
to a personal vehicle who depend on walking,
bicycles, or public transportation—especially in
higher-density areas.”
“Walking with children is difficult“
“I'm only concerned about better marked
pedestrian crossings.”
“Too many pedestrians have died.”
“More bike lanes/ pedestrian walking lanes to
encourage health living/ family bonding.”
“My family lives close enough to the schools in
lakeport that my children should be able to
walk, but there is I don't think a single sidewalk
from our house to the schools, and very few
street lights. On top of that people speed like
crazy in that area, so I wouldn't even walk that
path on my own, let alone allow my kids to.”
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
Table 8: Systemic Pedestrian Intersection Improvements Potential Locations Primary Road Secondary
Road Control Severity Pedestrian/Bicycle Facilities
Pedestrian/Bicycle
Action
Map
Votes
Pedestrian
11th St North St Unsignalized Fatal Sidewalk on one
side, no crosswalks
In Road, Including
Shoulder 0
South Main St* Armstrong St Unsignalized Injury
(Severe)
Sidewalks and
Crosswalks
Crossing in
Crosswalk at
Intersection
0 Brush St 11th St Unsignalized
Injury
(Other
Visible)
Sidewalk on one
side, no crosswalks
In Road, Including
Shoulder 0
North Main St 11th St Unsignalized
Injury
(Other
Visible)
Sidewalks and
Crosswalks Not in Road 0
North Main St 6th St Unsignalized
Injury
(Other
Visible)
Sidewalks and
Crosswalks
Crossing in
Crosswalk at
Intersection
0 North Main St 1st St Unsignalized
Injury
(Other
Visible)
Sidewalks and
Crosswalks
Crossing in
Crosswalk at
Intersection
0 South Main St* Martin St Unsignalized
Injury
(Other
Visible)
Sidewalks and
Crosswalks Not in Road 0
11th St 11th St 1071 Unsignalized Complaint
of Pain
Sidewalks and
Crosswalks
Crossing in
Crosswalk Not at
Intersection
0 3rd St North Main
St Unsignalized Complaint
of Pain
Sidewalks and
Crosswalks
Crossing in
Crosswalk at
Intersection
0 *Recently updated with new pavement and crosswalks
Bicycle
3rd St North Main
St
At
intersection
Complaint
of Pain Crosswalks and bicycle lanes on Main 0
North Main St 11th St Roadway Injury
(Severe) No bicycle lanes marked 0
Bicycle/Pedestrian project location in Lakeport ATP
Other Identified Potential Locations for Systemic Application:
• Lakeshore Boulevard, Beach Lane, Rainbow Road and Howard Avenue – this is an identified project to incorporate sidewalks (and potentially bicycle lanes), signage and lighting. • At and adjacent to schools in effort to provide safe routes to schools. Identified SRTS Projects:
» 20th Street (South Side) – Hartley St. to High St.

CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
» Lakeshore Blvd (North Side) – High St. to Green St.
» Lakeshore Blvd (North Side) – Green St. to Gisleman St. » Lakeshore Blvd (North Side transitioning to West Side after bend) – Gisleman St. to Ashe St. » Lakeshore Blvd (West Side) – Ashe St. to Sayre St.
» Lakeshore Blvd (West Side) – Sayre St. to Jones St.
» Lakeshore Blvd (West Side) – Jones St. to Lange St.
» Lakeshore Blvd (West Side) – Lange St. to Beach Ln. (City Limits) » Lange Street (North Side)
» Gisleman Street (West Side) – Lakeshore Blvd to Lange St. » Lakeshore Blvd (West Side) – Beach Ln. to Rainbow Rd. » Rainbow Rd (North Side) – Lakeshore Blvd to Beach Ln. » Rainbow Rd (North Side) – Beach Ln. to Mason / Redwing » Rainbow Rd (North Side) – Mason / Redwing to Howard Ave. » Howard Ave (West Side) – Rainbow Rd to Lakeport Unified School Potential Countermeasures
Potential countermeasures are provided in Table 9, along with corresponding HSIP data as applicable.

Table 9: Countermeasures for Pedestrians and Bicycles
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Funding
Eligibility
Systemic
Approach
Opportunity?
NS13 Operation/Warning
Improve sight distance to
intersection (Clear Sight
Triangles)
All 20% 10 90% High
NS22PB Ped and Bike
Install pedestrian crossing at
uncontrolled locations (new
signs and markings only)
P & B 25% 10 90% High
NS23PB Ped and Bike
Install/upgrade pedestrian
crossing at uncontrolled
locations (with enhanced
safety features)
P & B 35% 20 90% Medium
NS24PB Ped and Bike Install Rectangular Rapid
Flashing Beacon (RRFB) P & B 35% 20 90% Medium
NS25PB Ped and Bike
Install Pedestrian Signal
(including Pedestrian Hybrid
Beacon (HAWK))
P & B 55% 20 90% Low
R33PB Ped and Bike Install bike lanes P & B 35% 20 90% High R34PB Ped and Bike Install Separated Bike Lanes P & B 45% 20 90% High R35PB Ped and Bike Install sidewalk/pathway (to
avoid walking along roadway)
P & B 80% 20 90% Medium
Source: HSIP
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
BCR Potential
The Benefit Cost Ratio (BCR) will be determined by specific locations, limits and countermeasures applied. The BCR potential is anticipated to be high.

Considerations
• Projects should be constructed where they would provide the greatest benefit considering pedestrian generators, existing and planned sidewalks.
• Countermeasures should be applied at or near the locations corresponding to the crash data; however, with justification the countermeasures can be applied to nearby locations that are more practical. • Systemic locations should be added as needed while maintaining a competitive BCR.

CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

5. 11th Street Corridor Improvements
Project Description
The project would provide improvements to the roadway, intersections and pedestrian accommodations to promote lower speeds and increased visibility for pedestrians. The project limits are approximately from Main Street to Manzanita Street. Tenth Street adjacent to 11th Street may also be considered for improvements as means to establish this as the pedestrian corridor.

Project Need
This corridor has been previously identified
as a priority safety corridor requiring
improvements and has been the subject of
prior studies that provided targeted
recommendations. Furthermore, proposed
safety enhancements would align
effectively with the planned project to
underground utilities along 11th Street,
which will support the construction of
sidewalks and other corridor upgrades.

Public Endorsement
In the public survey, ‘Pedestrian Safety’ was the 2nd highest ranked safety concern. 'Expanded Sidewalk Network' and 'More or Improved Pedestrian Crosswalks' was ranked 3rd and 5th priority for preferred improvements in the survey.

Crash History
The crash history along 11th Street is shown in Table 10.

Table 10. Eleventh Street Crash Data Summary
Primary Rd Secondary Road Severity Type Pedestrian
Involved
Bicycle
Involved
11th St 11th St 1071 Visible Injury Sideswipe
11th St Forbes St Visible Injury Sideswipe
11th St North Forbes St Visible Injury Broadside
11th St North St Fatal Vehicle/Pedestrian Y
North Main St 11th St Visible Injury Other Y
11th St North Forbes St Visible Injury Broadside
North Main St 11th St Severe Injury Hit Object Y
11th St North Forbes St Visible Injury Not Stated
SR-29 N/B To
11th Street 11th Street PDO Rear End
From the Survey:
“Blinking crosswalks on 11th Street, Lakeport”
“It’s very common for people to cross the median or drive into shoulder because the think it’s faster. E.g. Scott’s valley/11th street. (Ironically they’re often the slowest drivers in a corner.)” ”The fallen culvert on Hartley, 11th Street and Lakeport Blvd are hazardous. “
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
Primary Rd Secondary Road Severity Type Pedestrian
Involved
Bicycle
Involved
11th St N Brush St Visible Injury Head-On
11th St Pool St PDO Hit Object
11th St North Forbes St Possible Injury Broadside
11th St North Forbes St Visible Injury Broadside
11th St 11th St 1071 Possible Injury Vehicle/Pedestrian Y 11th St North Forbes St Possible Injury Broadside
11th St Central Park Av Possible Injury Hit Object
SR-29 N/B To
11th Street 11th Street PDO Rear End
Potential Countermeasures
This list is preliminary. It may be modified, expanded or reduced in subsequent phases of grant application or planning. Potential countermeasures are provided in Table 11, along with corresponding HSIP data as applicable.

Table 11. Countermeasures for 11th Street
No. Type Countermeasure Name Crash
Type CRF Expected Life (Years) HSIP
Systemic
Approach
Opportunity?
Primary Countermeasures
R35PB Ped and Bike Install sidewalk/pathway (to
avoid walking along roadway) P & B 80% 20 90% Medium
R36PB Ped and Bike
Install/upgrade pedestrian
crossing (with enhanced
safety features)
P & B 35% 20 90% Medium
Other Potential Countermeasures
NS01 Lighting Add intersection lighting
(NS.I.) Night 40% 20 90% Medium
NS02 Control
Convert to all-way STOP
control (from 2-way or Yield
control)
All 50% 10 90% High
NS08 Operation/Warning
Install/upgrade larger or
additional stop signs or other
intersection
warning/regulatory signs
All 15% 10 90% Very High
NS09 Operation/Warning Upgrade intersection
pavement markings (NS.I.) All 25% 10 90% Very High
NS10 Operation/Warning Install Flashing Beacons at
Stop-Controlled Intersections All 15% 10 90% High
NS11 Operation/Warning Install flashing beacons as
advance warning (NS.I.) All 30% 10 90% High
NS13 Operation/Warning
Improve sight distance to
intersection (Clear Sight
Triangles)
All 20% 10 90% High
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
No. Type Countermeasure Name Crash
Type CRF Expected Life (Years) HSIP
Systemic
Approach
Opportunity?
NS22PB Ped and Bike
Install pedestrian crossing at
uncontrolled locations (new
signs and markings only)
P & B 25% 10 90% High
NS23PB Ped and Bike
Install/upgrade pedestrian
crossing at uncontrolled
locations (with enhanced
safety features)
P & B 35% 20 90% Medium
NS24PB Ped and Bike Install Rectangular Rapid
Flashing Beacon (RRFB) P & B 35% 20 90% Medium
NSI01NT Lighting Add intersection lighting
(NS.I.) Night 40% 20 90% Medium
R27 Operation/
Warning
Install delineators, reflectors
and/or object markers All 15% 10 90% Very High
R28 Operation/
Warning
Install edge-lines and
centerlines All 25% 10 90% Very High
R33PB Ped and Bike Install bike lanes P & B 35% 20 90% High R34PB Ped and Bike Install Separated Bike Lanes P & B 45% 20 90% High Source: HSIP
BCR Potential
The Benefit Cost Ratio (BCR) will be determined by specific locations, limits and countermeasures applied. The BCR potential is anticipated to be medium-high.

Considerations
• Countermeasures and locations should be considered with past studies/plans.

CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E

6. Main Street Corridor Improvements
Project Description
The project would provide improvements to the roadway and pedestrian accommodations to promote lower speeds and increased visibility for pedestrians.

Project Need
This corridor has previously been identified as a safety corridor in need of improvements and has been the focus of past studies providing recommendations.

Crash History
The crash history along Main Street is shown in Table 12.

Table 12. Main Street Crash Data Summary
Primary Road Secondary Road Severity Crash Type
South Main St Grace Ln Other Visible Injury Hit Object
South Main St C St PDO Broadside
South Main St Peckham Ct PDO Hit Object
Clear Lake Av North Main St Other Visible Injury Rear End North Main St 11th St Other Visible Injury Other
South Main St Royale Av Other Visible Injury Head-On
Main St Martin St PDO Hit Object
South Main St E St Severe Injury Other
South Main St Industrial Av PDO Sideswipe
Main St Lakeport Bl PDO Hit Object
North Main St Clearlake Av Possible Injury Broadside
3rd St North Main St Possible Injury Vehicle/ Pedestrian 2nd St North Main St PDO Sideswipe
North Main St 11th St Severe Injury Hit Object
South Main St S Main St 1565 PDO Rear End
North Main St 6th St Other Visible Injury Vehicle/ Pedestrian South Main St S Main St 555 PDO Sideswipe
South Main St Martin St Other Visible Injury Vehicle/ Pedestrian North Main St Clear Lake Av Possible Injury Broadside
From the Survey:
“I really only worry about
pedestrians on Main Street.”
“Lakeport Main Street is so
dangerous that few people
are willing to shop there.”
“South Main Street paving”
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
Primary Road Secondary Road Severity Crash Type
North Main St 4th St PDO Broadside
North Main St 1st St Other Visible Injury Rear End
South Main St Lakeport Bl PDO Sideswipe
North Main St 9th St Severe Injury Hit Object
South Main St Armstrong St Severe Injury Vehicle/ Pedestrian South Main St Lupoyoma Av Other Visible Injury Broadside North Main St 3rd St PDO Rear End
Clearlake Av North Main St PDO Broadside
Risk Factors
In general, the Main Street is three lanes south of Clear Lake Avenue and two lanes to the north. The roadway has noncontinuous sidewalks and crosswalks throughout. Some portions have been recently improved.

Potential Countermeasures
This list is preliminary. It may be modified, expanded or reduced in subsequent phases of grant application or planning. Potential countermeasures are provided in Table 13, along with corresponding HSIP data as applicable.

Table 13. Countermeasures for Main Street
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Systemic
Approach
Opportunity?
NS08 Operation/Warning
Install/upgrade larger or
additional stop signs or
other intersection
warning/regulatory signs
All 15% 10 90% Very High
NS09 Operation/Warning Upgrade intersection
pavement markings (NS.I.) All 25% 10 90% Very High
NS10 Operation/Warning
Install Flashing Beacons at
Stop-Controlled
Intersections
All 15% 10 90% High
NS11 Operation/Warning Install flashing beacons as
advance warning (NS.I.) All 30% 10 90% High
NS13 Operation/Warning
Improve sight distance to
intersection (Clear Sight
Triangles)
All 20% 10 90% High
NS22PB Ped and Bike
Install pedestrian crossing at
uncontrolled locations (new
signs and markings only)
P & B 25% 10 90% High
NS23PB Ped and Bike
Install/upgrade pedestrian
crossing at uncontrolled
locations (with enhanced
safety features)
P & B 35% 20 90% Medium
NS24PB Ped and Bike Install Rectangular Rapid
Flashing Beacon (RRFB) P & B 35% 20 90% Medium
CITY OF LAKEPORT – POTENTIAL PROJECT PACKAGES
City of Lakeport Local Road Safety Plan
Appendix E
No. Type Countermeasure Name Crash
Type CRF
Expected
Life
(Years)
HSIP
Systemic
Approach
Opportunity?
NSI01NT Lighting Add intersection lighting
(NS.I.) Night 40% 20 90% Medium
R27 Operation/
Warning
Install delineators, reflectors
and/or object markers All 15% 10 90% Very High
R28 Operation/
Warning
Install edge-lines and
centerlines All 25% 10 90% Very High
R33PB Ped and Bike Install bike lanes P & B 35% 20 90% High R34PB Ped and Bike Install Separated Bike Lanes P & B 45% 20 90% High R35PB Ped and Bike
Install sidewalk/pathway (to
avoid walking along
roadway)
P & B 80% 20 90% Medium
R36PB Ped and Bike
Install/upgrade pedestrian
crossing (with enhanced
safety features)
P & B 35% 20 90% Medium
Source: HSIP
BCR Potential
The Benefit Cost Ratio (BCR) will be determined by specific locations, limits and countermeasures applied. The BCR potential is anticipated to be high.

Considerations
• This corridor has recent improvements and pedestrian accommodations. Countermeasures should be selected based on to address remaining risk factors.
• Countermeasures and locations should be considered with past studies/plans.

City of Lakeport Local Road Safety Plan
Appendix

APPENDIX F
SS4A Self-Certification Checklist
SS4A Self-Certification Eligibility Worksheet | Page 1 of 5 Safe Streets and Roads for All
Self-Certification Eligibility Worksheet
All applicants should follow the instructions in the NOFO to correctly apply for a grant. See the SS4A website for more information.

Table 1 of the SS4A NOFO describes seven components of an Action Plan, which correspond to the questions in this worksheet. Applicants should use this worksheet to determine whether their existing plan(s) contains the required components to be considered an eligible Action Plan for SS4A.

This worksheet is required for all SS4A Implementation Grant applications and any Planning and Demonstration Grant applications to conduct Supplemental Planning/Demonstration Activities only. Please complete the form in its entirety, do not adjust the formatting or headings of the worksheet, and upload the completed PDF with your application.

Eligibility
An Action Plan is considered eligible for an SS4A application for an Implementation Grant or a Planning and Demonstration Grant to conduct Supplemental Planning/Demonstration Activities if the following two conditions are met:
• You can answer “YES” to Questions 3, 6, and 8 in this worksheet; and • You can answer “YES” to at least three of the five remaining Questions, 1, 2, 4, 5, and 7.

If both conditions are not met, an applicant is still eligible to apply for a Planning and Demonstration Grant to fund the creation of a new Action Plan or updates to an existing Action Plan to meet SS4A requirements.

Applicant Information
Lead Applicant: ______________________________________________ UEI: ____________________________________ Action Plan Documents
In the table below, list the relevant Action Plan and any additional plans or documents that you reference in this form. Up to three plans or documents may be included. Please provide a hyperlink to any documents available online or indicate that the Action Plan or other documents will be uploaded in Valid Eval as part of your application. Note that, to be considered an eligible Action Plan for SS4A, the plan(s) coverage must be broader than just a corridor, neighborhood, or specific location.

Document Title Link Date of Most
Recent Update
SS4A Self-Certification Eligibility Worksheet | Page 2 of 5 Action Plan Components
For each question below, answer “YES” or “NO.” If “YES,” list the relevant plan(s) or supporting documentation that address the condition and the specific page number(s) in each document that corroborates your response. This form provides space to reference multiple plans, but please list only the most relevant document(s).

1. Leadership Commitment and Goal Setting
Are BOTH of the following true?
• A high-ranking official and/or governing body in the jurisdiction publicly committed to an eventual goal of zero roadway fatalities and serious injuries; and • The commitment includes either setting a target date to reach zero OR setting one or more targets to achieve a reduction in roadway fatalities and serious injuries by a specific date.

Note: This may include a resolution, policy, ordinance, executive order, or other official announcement from a high-ranking official and the official adoption of a plan that includes the commitment by a legislative body.

YES
NO
If “YES,” please list the relevant document(s) and page number(s) that corroborate your response.

Document Title Page Number(s)

2. Planning Structure
To develop the Action Plan, was a committee, task force, implementation group, or similar body established and charged with the plan’s development, implementation, and monitoring? Note: This should include a description of the membership of the group and what role they play in the development, implementation, and monitoring of the Action Plan.

YES
NO
If “YES,” please list the relevant document(s) and page number(s) that corroborate your response.

Document Title Page Number(s)
SS4A Self-Certification Eligibility Worksheet | Page 3 of 5

3. Safety Analysis
Does the Action Plan include ALL of the following?
• Analysis of existing conditions and historical trends to provide a baseline level of crashes involving fatalities and serious injuries across a jurisdiction, locality, Tribe, or region; • Analysis of the location(s) of crashes, the severity, contributing factors, and crash types; • Analysis of systemic and specific safety needs, as needed (e.g., high-risk road features, specific safety needs of relevant road users, or post-crash care and emergency response); and, • A geospatial identification (geographic or locational data using maps) of higher risk locations.

YES
NO
Note: Availability and level of detail of safety data may vary greatly by location. The Fatality and Injury Reporting System Tool (FIRST) provides county- and city-level data. When available, local data should be used to supplement nationally available data sets.

If “YES,” please list the relevant document(s) and page number(s) that corroborate your response.

Document Title Page Number(s)

4. Engagement and Collaboration
Did development of the Action Plan include ALL of the following activities? • Engagement with the public and relevant stakeholders, including the private sector and community groups;
• Incorporation of information received from the engagement and collaboration into the plan; and • Coordination that included inter- and intra-governmental cooperation and collaboration, as appropriate.

YES
NO
Note: This should include a description of public meetings, participation in public and private events, and proactive meetings with stakeholders.

If “YES,” please list the relevant document(s) and page number(s) that corroborate your response.

Document Title Page Number(s)
SS4A Self-Certification Eligibility Worksheet | Page 4 of 5

5. Policy and Process Changes
Are BOTH of the following true?
• The plan development included an assessment of current policies, plans, guidelines, and/or standards to identify opportunities to improve how processes prioritize safety; and • The plan discusses implementation through the adoption of revised or new policies, guidelines, and/or standards.

Note: This may include existing and/or recommended Complete Streets policy, guidelines for community engagement and collaboration, policy for prioritizing areas of greatest need, local laws (e.g., speed limit), design guidelines, and other policies and processes that prioritize safety.

YES
NO
If “YES,” please list the relevant document(s) and page number(s) that corroborate your response.

Document Title Page Number(s)

6. Strategy and Project Selections
Does the plan identify a comprehensive set of projects and strategies to address the safety problems in the Action Plan, with information about time ranges when projects and strategies will be deployed, and an explanation of project prioritization criteria?
Note: This should include one or more lists of community-wide multi-modal and multi-disciplinary projects that respond to safety problems and reflect community input, indication of expected time ranges to complete each project, and a description of how your community will prioritize projects in the future.

YES
NO
If “YES,” please list the relevant document(s) and page number(s) that corroborate your response.

Document Title Page Number(s)
SS4A Self-Certification Eligibility Worksheet | Page 5 of 5

7. Progress and Transparency
Does the plan include BOTH of the following?
• A description of how progress will be measured over time that includes, at a minimum, outcome data.
• The plan is posted publicly online.

Note: This should include a progress reporting structure and list of proposed metrics.

YES
NO
If “YES,” please list the relevant document(s) and page number(s) that corroborate your response.

Document Title Page Number(s)

8. Action Plan Date
YES
NO
Was at least one of your plans finalized and/or last updated between 2021 and May 26, 2026? Note: Updates may include major revisions, updates to the data used for analysis, status updates, or the addition of supplemental planning documents, including but not limited to an ADA Transition Plan, one or more Road Safety Audits conducted in high-crash locations, or a Vulnerable Road User Plan.

If “YES,” please list your most recent document, date of finalization, and page number(s) that corroborate your response.

Document Title Date of Most
Recent Update Page Number(s)
www.gcwengineering.com
Meeting Date: 08/18/2026 Page 1 Agenda Item # VI.B.1.

CITY OF LAKEPORT
City Council ☒
City of Lakeport Municipal Sewer District ☒
Lakeport Industrial Development Authority ☐
Municipal Financing Agency of Lakeport ☐

STAFF REPORT
RE: Merchant Cost Consulting, LLC Professional Services Agreement
MEETING DATE: 08/18/2026
SUBMITTED BY: Danielle Dizon, Finance Director
PURPOSE OF REPORT: ☐Information only ☐ Discussion ☒Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

City Council is being asked to authorize the City Manager to enter into an agreement with Merchant Cost Consulting, LLC (MCC) to review, negotiate, and optimize the City's merchant credit card processing fees. The proposed agreement is performance-based, meaning MCC is compensated only from a percentage of the actual savings it generates for the City. If no savings are realized, the City incurs no cost for the service.

By leveraging MCC's expertise in merchant services, the City has the opportunity to reduce ongoing payment processing expenses without changing its existing payment acceptance processes or disrupting services provided to residents.

BACKGROUND/DISCUSSION:

The City accepts credit and debit card payments for a variety of municipal services, including utility payments, licensing and permitting, and other customer transactions. Merchant processing fees are a necessary cost of providing these convenient payment options; however, the pricing structures associated with payment processing are often complex and subject to negotiation.

Merchant Cost Consulting specializes exclusively in analyzing merchant processing statements, identifying unnecessary or excessive fees, and negotiating reduced rates with existing payment processors. According to the firm's published information, MCC serves more than 1,800 clients and reports generating over $100 million in annual processing fee savings for its clients through negotiated rate reductions and ongoing account monitoring.

Under the proposed agreement, MCC will provide the following services:
• Review and negotiate the City's existing merchant processing rates and fees. • Optimize processing costs by identifying unnecessary or inflated charges. • Conduct ongoing monthly audits of the City's merchant statements to ensure negotiated pricing remains in effect.
• Identify billing errors or contractual discrepancies and pursue refunds where applicable.

A significant benefit of the agreement is its performance-based compensation structure. Rather than paying a fixed consulting fee or monthly retainer, MCC is compensated only through 40 percent of the actual savings it generates for the City. Savings are measured as the difference between the City's merchant processing costs Meeting Date: 08/18/2026 Page 2 Agenda Item # VI.B.1.
before MCC's involvement and the reduced costs achieved after implementation. The City retains the remaining 60 percent of all negotiated savings, resulting in an immediate net reduction in operating expenses.

Fiscal Impact
The proposed agreement has no upfront fiscal impact and does not require an additional appropriation. MCC's compensation is entirely contingent upon successfully reducing the City's merchant processing fees.

Compensation is paid only as a percentage of verified savings generated for the City. Consequently, the City will realize a net reduction in merchant processing expenses whenever savings are achieved. If no savings are realized, no compensation is owed.

OPTIONS:

1. Authorize the City Manager to enter into an agreement with Merchant Cost Consulting, LLC to review, negotiate, and optimize the City's merchant credit card processing fees.

2. OR Provide alternative direction to staff.

FISCAL IMPACT:
☐ None ☒ Net reduction of expenditures Budgeted Item? ☒Yes ☐ No Budget Adjustment Needed? ☐Yes ☒ No If yes, amount of appropriation increase: $ Affected fund(s): ☒ General Fund ☒ Water OM Fund ☒ Sewer OM Fund ☐ Other:

Comments:

COUNCIL PRIORITIES:
☐ Priority #1: Public Safety & Crisis Response
☐ Priority #2: Disaster Resiliency
☒ Priority #3: Good Governance & Fiscal Stability
☐ Priority #4: Capital Infrastructure Improvement
☐ Priority #5: Safe, Sustainable & Attractive Neighborhoods ☐ Priority #6: Economic Development
SUGGESTED MOTIONS:

Move to authorize the City Manager to enter into an agreement with Merchant Cost Consulting, LLC to review, negotiate, and optimize the City's merchant credit card processing fees. ☒ Attachments: 1. MCC Engagement Letter
Merchant Cost Consulting, LLC.

Credit Card Processing Cost Reduction Service Agreement This contract (the "Contract") between Merchant Cost Consulting LLC, a limited liability company with offices located at 754 E Broadway, South Boston, MA (hereinafter referred to as "MCC") and the business or individual(s) __________________________ indicated on page 1 of this Agreement (hereinafter referred to as the "Client") has been entered into between the parties under the laws of the State of California as follows:

WHEREAS, MCC is engaged in the business of negotiating and optimizing credit card processing fees on behalf of merchants who transact business by accepting payments through the use of credit and/or debit cards, and; WHEREAS, Client desires to retain MCC to negotiate and optimize Client's current credit card processing fees on Client's behalf (the “Services”). NOW THEREFORE, in consideration of the covenants and agreements set forth herein, and other good and valuable consideration, MCC and Client agree as follows:

Services Provided

1. Negotiating and optimizing credit card processing fees on behalf of merchants who transact business by accepting payments through the use of credit and/or debit cards.

2. Monitoring and auditing the Client's merchant processing statement each month during the Agreement to ensure pricing optimization.

3. Receive refunds for prior over billing errors or contract discrepancies, if applicable.

Term of Agreement

4. The term of this Agreement will begin on the date the rates are changed and will remain intact for a term of no less then Thirty (30) months and will continue on a month-to-month basis until the Client notifies MCC of their cancellation.

5. If Client changes processor during the term of this Agreement, Client hereby acknowledges and agrees that the new rates, fees and/or other charges obtained by Client by reason of changing processors are based on the new processor analyzing the then-current statement containing the rates, fees and/or other charges MCC negotiated for Client. Therefore, MCC shall be entitled to continue to receive the fee agreed to in Section 8 of this Agreement. The fee will be based only upon the rates, fees and/or other charges negotiated by MCC.

6. Client shall have the right to terminate this agreement with or without cause upon 30 days' written notice to Consultant. Upon sufficient termination, MCC will be compensated and reimbursed for amounts owed which will be the average monthly amount due to MCC multiplied by the remaining number of months left on the contract. This agreement may be terminated immediately in the event either party becomes insolvent or generally unable to pay its debts as they become due or become subject to bankruptcy.

7. Proprietary Work Product: Client agrees that all reports, analysis, recommendations and opportunities identified by Consultant for Client are considered Consultant’s “Confidential and proprietary work product” and may not be implemented by Client at any Client facility unless Consultant is compensated as set forth in Paragraph 8.

Compensation

8. MCC is entitled to Forty (40%) percent of the savings in credit card processing fees that is generated for the Client. Savings is defined as the difference between the initial processing expenditure prior to MCC’s involvement and the actual cost expended by the Client in subsequent months after MCC begins to provide the Services. Initial processing expenditure can include, but is not limited to, discount basis points, interchange optimization, per transaction costs, monthly fees, surcharges, chargeback fees, PCI Non Compliance, and miscellaneous fees. Such Rates may be adjusted during the course of this Contract to reflect mandatory increases imposed by the Card Associations, processors and technology providers that are otherwise unavoidable by Client if they had not entered into this Contract. MCC will monitor and analyze Client's account to verify that the new negotiated rates, fees and other charges are in effect and are being properly applied by Client's Processor. MCC shall report such findings to Client via electronic mail.

Client Signature______________________
Print Name_________________________
Date Signed_________________________
Meeting Date: 08/18/2026 Page 1 Agenda Item # VI.B.2.

CITY OF LAKEPORT
City Council ☒
City of Lakeport Municipal Sewer District ☒
Lakeport Industrial Development Authority ☐
Municipal Financing Agency of Lakeport ☐

STAFF REPORT
RE: Utility Payment Service Fee Adoption MEETING DATE: 08/18/2026 SUBMITTED BY: Danielle Dizon, Finance Director
PURPOSE OF REPORT: ☐Information only ☐ Discussion ☒Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

The City Council is being asked to hold a public meeting to consider charging a service fee on particular utility payment methods and approve a Resolution to add the service fee to the City’s Master Fee Schedule.

BACKGROUND/DISCUSSION:

California Government Code Section 6159(h)(1) authorizes local agencies to impose a fee for payments made by credit card, debit card, or electronic funds transfer, provided the fee does not exceed the actual costs incurred by the agency in processing those transactions.

Since 2021, the City has incurred a $2.00 transaction fee charged by its enterprise resource planning (ERP) vendor, Tyler Technologies, Inc., for utility payments processed through the Tyler Incode "Insite" payment platform. This fee applies to utility payments made by credit or debit card through the City's online payment portal, mobile application, automated telephone payment system, and recurring AutoPay credit or debit card transactions.

Since implementation of the Insite platform, the City has absorbed these transaction fees within the General, Water, and Sewer Funds. As the volume of electronic payments has continued to increase, the annual cost of subsidizing these convenience fees has grown to a level that is no longer fiscally sustainable. In addition to the vendor transaction fee, the City also incurs merchant processing fees on all credit card transactions.

To balance the continued availability of convenient electronic payment options with responsible fiscal management, staff recommend passing through only the $2.00 vendor transaction fee to customers who choose to pay by credit or debit card using the Insite platform. At this time, the City will continue to absorb the associated merchant processing fees, thereby limiting the additional cost to customers while recovering a portion of the City's actual processing expenses.

Customers may continue to make utility payments through several alternative methods that will not be subject to the transaction fee, including cash payments made in person, checks submitted by mail, drop box, or in person, money orders, and Easy Pay, the City's automatic ACH payment program.

Fiscal Impact
Implementing the proposed transaction fee is expected to reduce annual expenditures by approximately $27,000 across the General, Water, and Sewer Funds. Recovering these costs will help preserve financial Meeting Date: 08/18/2026 Page 2 Agenda Item # VI.B.2.
resources available to support utility operations and the continued delivery of essential public services while maintaining multiple no-cost payment options for customers.

Effective Date
California Government Code Section 66019(b) states “The new or increased fee shall be effective no earlier than 60 days following the final action on the adoption or increase of the fee…”, therefore, the effective date of this $2.00 per transaction service fee will be October 18, 2026, in accordance with this section.

OPTIONS:

1. Approve the proposed Resolution and add a service fee to the City’s Master Fee Schedule.

2. Do not approve but provide direction to staff.

FISCAL IMPACT:
☐ None ☒ $27,000 in reduced expenditures Budgeted Item? ☒Yes ☐ No Budget Adjustment Needed? ☐Yes ☒ No If yes, amount of appropriation increase: $ Affected fund(s): ☒ General Fund ☒ Water OM Fund ☒ Sewer OM Fund ☐ Other:

Comments:

Move to adopt the resolution establishing a $2.00 service fee for certain utility payments made by credit or debit card, effective October 18, 2026, and authorize staff to implement the fee in accordance with Government Code Section 6159.
☒ Attachments: 1. Service Fee Resolution

2. List of available payment options

3. Copy of Tyler Technologies Invoice
429303.2
RESOLUTION NO. XXX___ ( 2026)

A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF LAKEPORT

ESTABLISHING A FEE FOR USE OF A CREDIT CARD, DEBIT CARD, OR

ELECTRONIC FUNDS TRANSFER
WHEREAS, Government Code section 6159(c) authorizes the City Council of the City of Lakeport to allow the use and acceptance of a credit card, debit card, or electronic funds transfer to pay for services rendered by the City and City fees, charges, and taxes; WHEREAS, Government Code section 6159(h)(1) authorizes the City to impose a fee for the use of a credit or debit card or electronic funds transfer, not to exceed the actual costs incurred by the City in providing for payment by such methods;
WHEREAS, the City currently incurs a $2.00 service fee upon each payment transaction made by means of credit card, debit card, and mobile pay electronic fund transfers, which cumulatively have a significant impact on the City’s budget;

WHEREAS, the City therefore finds it necessary and desirable to adopt and impose a $2.00 charge for the transactional costs associated with payments made by credit card, debit card, and electronic funds transfer (the “Service Fee”);
WHEREAS, the proposed Service Fee is a charge for a specific service provided directly to the payor that is not provided to those not charged and will only be collected when the City would otherwise incur the $2.00 charge from its Enterprise Resource Planning (ERP) vendor, so will not exceed the City’s actual costs in providing for payments made by credit card, debit card, or electronic funds transfer;
WHEREAS, Government Code section 66016 et seq. requires the City Council to hold a noticed public meeting prior to adopting a new fee or service charge; WHEREAS, the City held a duly noticed public meeting regarding the addition of the Service Fee to the City’s Master Fee Schedule in order to receive comments and testimony from the public.

WHEREAS, the City Council reviewed and considered the staff report in addition to considering the comments, statements, and other evidence presented by all persons who submitted materials and/or appeared at the public hearing.

NOW THEREFORE, the City Council of the City of Lakeport does resolve as follows:

SECTION 1. The Recitals above are true and correct and incorporated herein by reference.

SECTION 2. The City Council hereby adopts a Service Fee of $2.00 per credit card, debit card, or electronic funds transfer transaction, to be collected at the point of sale. This Service Fee 429303.2
shall be effective no earlier than 60 days following adoption in accordance with Government Code section 66019(b).

SECTION 3. The City Council finds and determines that the Service Fee is a reasonable charge for a specific service provided directly to the payor that is not provided to those not charged and that the amount of the Service Fee does not exceed the actual costs incurred by the City in providing for payment by credit or debit card or electronic funds transfer.

SECTION 4. City staff are hereby authorized and directed to include the Service Fee in the City’s Master Fee Schedule.

SECTION 5. The adoption of this Resolution and implementation of the Service Fee is not a project subject to environmental review under the California Environmental Quality Act (CEQA) pursuant to CEQA Guidelines sections 15378(b)(4) (government fiscal activities which do not involve any commitment to any specific project which may result in a potentially significant physical impact on the environment), 15273 (establishing charges for the purpose of meeting operating expenses), and 15061(b)(3) (common sense exemption where it can be seen with certainty that there is no possibility that the activity in question may have a significant effect on the environment).

SECTION 6. This Resolution shall be effective and in full force immediately upon adoption.

PASSED AND ADOPTED at a regular meeting of the City Council of the City of Lakeport, State of California, held on this 18th day of August 2026 by the following vote:

AYES:

NOES:

ABSTAIN:

ABSENT:

APPROVED:
______________________________
Brandon Disney, Mayor
City of Lakeport
ATTEST:
_________________________________
Kelly Buendia, City Clerk
City of Lakeport
Utility Bill Payment Methods Tyler Fee CC Fee
Mail (check or money order) n/a n/a
Drop Box (check or money order) n/a n/a
City Hall (cash, check, or money order) n/a n/a
City Hall (in-person w/ credit card) n/a %
Easy Pay (auto ACH from checking 5th of the month) n/a n/a Insite Credit Card $2.00 %
AutoPay Credit Card $2.00 %
IVR (auto telephone) Credit Card $2.00 %
Mobile App Credit Card $2.00 %

Meeting Date: 08/18/2026 Page 1 Agenda Item # VI.C.1.

CITY OF LAKEPORT
City Council ☒
City of Lakeport Municipal Sewer District ☐
Lakeport Industrial Development Authority ☐
Municipal Financing Agency of Lakeport ☐

STAFF REPORT
RE: A Resolution of the City Council of the City of Lakeport Accepting the Final Planning Products Prepared Under
Community Development Block Grant (CDBG) Planning Grant No. 22-CDBG-PL-20037 and Authorizing Completion of the
Grant Closeout Process
MEETING DATE: 08/18/2026
SUBMITTED BY: Joey Hejnowicz, Community Development Director PURPOSE OF REPORT: ☐Information only ☐ Discussion ☒Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

The City Council is being asked to Conduct a public hearing to receive public comments regarding the City's performance under Community Development Block Grant (CDBG) Planning Grant No. 22-CDBG-PL-20037; accept the completed planning policy and procedure documents, including the May 2026 City of Lakeport Housing Conditions Survey; and authorize staff to complete and submit all required grant closeout documentation to the California Department of Housing and Community Development.

BACKGROUND
In 2022, the City of Lakeport was awarded a $208,650 Community Development Block Grant (CDBG) Planning Grant through the California Department of Housing and Community Development (HCD) under Standard Agreement No. 22-CDBG-PL-20037. The grant was intended to strengthen the City's capacity to develop and administer housing assistance programs by preparing the policies, planning documents, and administrative tools necessary to support future housing initiatives.

The grant included a total budget of $208,650, consisting of $195,000 for planning activities and $13,650 for grant administration. The original scope of work included preparation of an owner-occupied housing rehabilitation program, a first-time homebuyer assistance program, a tenant-based rental assistance program, staff training, software improvements, and the development of federal fiscal procedures.

As the planning effort progressed, the City evaluated changing housing needs, economic conditions, and community priorities. In coordination with HCD, the work program was refined to better address Lakeport's current housing challenges. The tenant-based rental assistance component was removed and replaced with the preparation of a citywide Housing Conditions Survey and planning for a Mobile Home Replacement Program, while maintaining the overall planning budget. These changes allowed the City to focus its efforts on preserving existing housing, expanding future homeownership opportunities, improving housing conditions, and strengthening its long-term capacity to administer housing programs.

The planning activities completed through the grant include:

Meeting Date: 08/18/2026 Page 2 Agenda Item # VI.C.1.
• May 2026 City of Lakeport Housing Conditions Survey;
• Owner-Occupied Housing Rehabilitation Program Guidelines; • HOME First-Time Homebuyer Program Guidelines;
• Mobile Home Replacement Program research & planning documents; • Administrative policies, procedures, and implementation tools necessary to administer future housing assistance programs.

Completion of these planning documents does not establish or fund housing assistance programs. Rather, they provide the framework necessary for the City to pursue future state and federal funding opportunities and implement housing programs, subject to future grant awards and separate City Council approval. It should also be noted that these planning documents may require more work based on future HCD review and guidance.

As part of the CDBG grant closeout process, HCD requires the City to conduct a public hearing to receive comments regarding the City's performance under the grant, present the completed planning products, and provide the public with an opportunity to review the project's accomplishments. Following the public hearing and Council acceptance of the completed planning documents, staff will submit the required grant closeout documentation to HCD to formally close the grant.

PLANNING PROCESS AND ACCOMPLISHMENTS
• Housing needs and program priorities were refined through a project kickoff and a series of stakeholder discussions addressing owner-occupied rehabilitation, homebuyer assistance, and mobile home replacement.
• Draft program concepts addressed eligibility, income limits, eligible activities, property and occupancy standards, assistance terms, health and safety, procurement and contractor requirements, lead-based paint, environmental review, accessibility, intake, inspections, construction oversight, outreach, and fair housing.
• The mobile home planning discussion considered replacement of aging units, flood-related conditions, energy efficiency, implementation challenges, potential funding, and partnerships. This was added to the Owner-Occupied Rehabilitation Program as a way to address the needs of this program. • The City completed a Housing Conditions Survey in May 2026 to document exterior housing conditions, identify common deficiencies, and support future rehabilitation and preservation priorities. • The revised work program also supported the implementation of increasing capacity through staff training, software, and development/implementation of federal fiscal procedures.

HOUSING CONDITIONS SURVEY – KEY RESULTS
The survey used an exterior “windshield” review from the public right-of-way and assessed a random sample of 174 housing units. The results describe observed exterior conditions; they are not interior inspections or findings concerning individual occupants.

In total, 80 of the 174 surveyed units (approximately 46%) showed some level of observed improvement need.

The most commonly observed component deficiencies were siding/stucco (60.0%), electrical (30.5%), windows (29.3%), roofing (19.0%), and foundations (4.6%). The survey recommends targeted rehabilitation and Meeting Date: 08/18/2026 Page 3 Agenda Item # VI.C.1.
preservation, emphasis on health and safety and weatherization, continued monitoring, and use of the findings to support future funding and Housing Element implementation.

OWNER OCCUPIED REHABILITATION PROGRAM
The proposed Owner-Occupied Rehabilitation Program guidelines establish a framework to assist incomequalified Lakeport homeowners with correcting health and safety hazards, code deficiencies, accessibility needs, and other eligible housing conditions. Applicants must own and occupy the property as their primary residence and have household income at or below 80% of the Lake County area median income.

Eligible work includes structural, roofing, electrical, plumbing, heating and cooling, weatherization, accessibility, lead-based paint, fire-safety, and code-compliance improvements. The program applies to eligible single-family homes and manufactured or mobile homes, including units located in mobile home parks or on leased land.

For manufactured and mobile homes, assistance may include repairs needed to correct substandard conditions or replacement when rehabilitation is not feasible. Mobile homes constructed in 1980 or earlier are not eligible for rehabilitation under the guidelines but may qualify for replacement. An eligible replacement may include a qualifying used manufactured home or, when the project meets reconstruction requirements, a new manufactured home. Eligible costs may include acquisition, transportation, installation, and necessary repairs.

Manufactured homes located in a mobile home park or on leased land may be secured through an HCD Statement of Lien, promissory note, and loan agreement.

The primary assistance is a 40-year, zero-interest deferred-payment loan with no required monthly payments.

CDBG-funded projects may receive up to $150,000. The guidelines also allow targeted grants, including up to $30,000 for qualifying seniors, households below 50% of area median income, accessibility improvements, emergency repairs, eligible project costs, or situations where a loan would exceed the property’s available equity. Additional grants may be available for asbestos removal, lead-based paint activities, required fire sprinklers, and temporary relocation.

FIRST TIME HOMEBUYER PROGRAM
The draft First-Time Homebuyer Program guidelines establish a framework to assist eligible lower-income households with purchasing a home within the City of Lakeport. Eligible applicants must have household income at or below 80% of the Lake County area median income, meet the program’s definition of a first-time Observed condition Units Share
Sound 94 54.0%
Minor rehabilitation 38 21.8%
Moderate rehabilitation 36 20.7%
Substantial rehabilitation 4 2.3%
Dilapidated 2 1.1%
Meeting Date: 08/18/2026 Page 4 Agenda Item # VI.C.1.
homebuyer, complete HUD-approved homebuyer counseling, qualify for a fixed-rate primary mortgage, and contribute at least 1% of the purchase price.

The program would provide gap financing through a zero-interest deferred-payment loan with no required monthly payments. Assistance could be used toward the difference between the eligible purchase price, the buyer’s primary mortgage and down payment, and eligible nonrecurring closing costs. Eligible properties may include new or previously owned single-family homes, condominiums, and manufactured homes located on a permanent foundation. Each property must be located within Lakeport, remain within the applicable HOME purchase-price limit, pass required inspections, and be used as the buyer’s primary residence during the applicable affordability period.

Although the guidelines provide a structure for a future homebuyer program, the City does not propose to implement the program at this time. Current housing prices, limited availability of eligible homes, prevailing interest rates, and other economic pressures reduce the likelihood that the program could effectively bridge the affordability gap for qualified households. These conditions could require substantial assistance for each homebuyer while serving relatively few households.

The City proposes to focus available resources and administrative capacity on the Owner-Occupied Rehabilitation Program, which responds more directly to the documented condition of Lakeport’s existing housing stock, including the rehabilitation or replacement of eligible mobile and manufactured homes. The City will retain the First-Time Homebuyer guidelines as a planning resource and may reconsider the program if housing and financing conditions improve or an appropriate funding source becomes available.

The City is also continuing discussions with Lake County regarding a potential housing partnership or regional housing program. The First-Time Homebuyer guidelines may provide a foundation that could be updated and incorporated into a future regional program, allowing the City and County to coordinate funding, administration, outreach, lender participation, loan servicing, and compliance responsibilities. Any future implementation would require completion of the draft guidelines, confirmation of applicable funding requirements, formal partnership agreements, and separate approval by the appropriate governing bodies.

PUBLIC HEARING AND HCD CLOSEOUT PROCESS
HCD’s current CDBG Grant Management Manual requires a second public meeting before closeout. Its purpose is to review project results and receive comments on the local government’s performance. The meeting materials should address project status and timing, results to date and projected totals, funds expended, the remaining balance, and budget expectations through completion. HCD requires notice to be posted or published in four unique public places at least 10 days before the meeting, excluding the posting/publication date and hearing date, together with contact, accommodation, language-access, and written-comment information.

For planning activities, HCD’s closeout chapter also requires final written products, documentation of the public hearing accepting those products, and a governing-board resolution accepting the final products. After this hearing and Council action, staff will finalize the activity and financial reports, assemble the closeout package and supporting records, and coordinate with HCD before initiating closeout in the Grants Network Portal.

Meeting Date: 08/18/2026 Page 5 Agenda Item # VI.C.1.

FINANCIAL STATUS
The Council action supports administrative closeout of the $208,650 planning grant. Any unspent balance identified through final reconciliation will be handled in accordance with HCD closeout instructions. No new General Fund commitment is requested by this action.

Item Amount
Total CDBG award $208,650
Revised activity budget $195,000
General administration budget $13,650
CDBG funds expended through [reporting date] 47,179.53
Remaining grant balance 161,470.40
Amount, if any, to be disencumbered 161,470.40

NEXT STEPS
• Receive and document public comments and Council action on the final planning products. • Complete the final activity report with an aggregated summary of accomplishments and finalize all financial reporting.
• Submit the HCD Combined Closeout Package, Completion Report, final products, hearing documentation, resolution, and final financial report after coordination with the HCD representative. • Retain grant records until HCD authorizes destruction and for any longer period required by the Standard Agreement or other applicable law.

FISCAL IMPACT:
☒ None ☐ $ Budgeted Item? ☐Yes ☐ No
Budget Adjustment Needed? ☐Yes ☒ No If yes, amount of appropriation increase: $ Affected fund(s): ☐ General Fund ☐ Water OM Fund ☐ Sewer OM Fund ☐ Other:

Comments:

COUNCIL PRIORITIES:
☐ Priority #1: Public Safety & Crisis Response
☐ Priority #2: Disaster Resiliency
☒ Priority #3: Good Governance & Fiscal Stability
☐ Priority #4: Capital Infrastructure Improvement
☒ Priority #5: Safe, Sustainable & Attractive Neighborhoods ☐ Priority #6: Economic Development
Meeting Date: 08/18/2026 Page 6 Agenda Item # VI.C.1.

SUGGESTED MOTION:

Move to:

1. Accept the completed planning policy and procedure documents, including the May 2026 City of Lakeport Housing Conditions Survey; and

2. Authorize staff to complete and submit all required grant closeout documentation to the California Department of Housing and Community Development.
☒ Attachments: 1. City of Lakeport Housing Conditions Survey, Final, May 20, 2026

2. Resolution

3. Owner-Occupied Rehabilitation Program Guidelines

4. First-Time Homebuyer Program Guidelines

5. Public Hearing Notice

6. Proof of posting/publication

7. Combined Closeout Package

8. Completion Report
Housing Conditions Survey
May 2026
Prepared by Adams Ashby Group, Inc.

Study made possible with funds provided through a Community Development Block Grant Contract No. 22-CDBG-PL-20037 – Department of Housing and Community Development City of Lakeport
Housing Conditions Survey
2 May 2026

TABLE OF CONTENTS
Executive Summary....................................................................................................... 3 Introduction .............................................................................................................. 3 Findings .................................................................................................................... 4 Summary Recommendations...................................................................................... 4 Scope of Work ........................................................................................................... 5 Survey Tasks..............................................................................................................5 Methodology.................................................................................................................6 Analysis .......................................................................................................................8 Findings ....................................................................................................................8 Assessment ..............................................................................................................9 Age of Housing Stock ............................................................................................... 10 Exterior Materials..................................................................................................... 12 Overcrowding .......................................................................................................... 12 Fire Hazard Impacts................................................................................................. 13 Vacant Single-Family Lot Inventory Development Constraints.................................... 15 Recommended Actions............................................................................................... 18 Available Programs ................................................................................................ 22-26 Exhibit A: Survey Tool.................................................................................................. 27 Exhibit B: Formula Calculations .................................................................................. 28 Exhibit C: Survey Raw Data Report............................................................................... 29 City of Lakeport
Housing Conditions Survey
3 May 2026

EXECUTIVE SUMMARY
Introduction
The City of Lakeport, in an effort to better serve the community’s housing needs, supported by the Community Development Block Grant, conducted a Housing Conditions Survey to assess the housing stock in Lakeport California. This survey will help identify units with significant deterioration and support local, state and federal housing programs- including CDBG, HOME and Housing Element implementation. The survey was undertaken in response to continuing community concerns about the city’s aging housing stock, the high proportion of units built before 1980, and documented rehabilitation needs highlighted in the City’s 2019-2027 Housing Element. In addition, the survey provides the City with field-verified data necessary to target housing investments, address substandard units, and ensure that vulnerable households- including low-and moderate-income residents, seniors, and people with disabilities- are not disproportionately impacted by deteriorating housing conditions. The analysis confirms that approximately 46% of units surveyed exhibit some form of needed repair or rehabilitation.

The survey evaluated residential structures throughout Lakeport using a standardized, HUD- and HCD-aligned rubric that rated each unit as Sound, Minor Repair, Moderate Repair, Substantial Repair, or Dilapidated. Field observations included assessments of roofs, foundations, siding, windows, electrical systems, and front features such as paved streets, curbs, and gutters. The results indicate that while a portion of Lakeport’s housing stock remains in good condition, a significant share requires maintenance or more intensive rehabilitation. The findings support the prioritization of housing rehabilitation activities to address observed deficiencies and improve overall housing conditions, particularly for low- and moderate-income (LMI) households.

The City of Lakeport completed the Housing Conditions Survey to develop an accurate, on-the-ground understanding of the condition of its existing housing stock and to help guide future housing and community development efforts. This work supports the goals of the 2019-2027 Housing Element and future 2027-2035 Housing Element, which identifies aging housing, rehabilitation needs, particularly homes that are pre-1960 construction and vulnerable populations as continuing priorities for the community. The survey was designed to capture consistent information on the physical condition of homes citywide, including older units that tend to experience higher levels of deterioration and to classify each structure using clear condition categories ranging from sound to dilapidated.

Findings & Results
The findings indicate that Lakeport’s aging housing stock, combined with the prevalence of fixed-income senior households and renters living in older units, places many residents at heightened risk of housing instability, displacement, or unsafe living conditions. The survey identifies conditions that meet HUD’s definition of substandard living, supporting the City’s eligibility for targeted rehabilitation funding and code enforcement activities. Ultimately, the results provide a clear roadmap for prioritizing investments, reducing health and safety risks, preserving affordability, and improving the quality of life for Lakeport residents, particularly those least able to address repair needs on their own. This aligns directly with the stated primary objective of the Community City of Lakeport
Housing Conditions Survey
4 May 2026
Development Block Grant (CDBG) program: to develop viable communities by providing decent housing and a suitable living environment principally for low- and moderate-income persons, as articulated by HUD and reinforced through program guidance.

Summary Recommendations
Based on the data collected through the Housing Conditions Survey, there is demonstrated need for rehabilitation and reinvestment in a portion of City of Lakeport’s existing housing stock. While many residential units are generally sound, a notable number exhibit moderate to substantial deficiencies that, if left unaddressed, may negatively impact health, safety and long-term housing stability. Repairs are needed to address observable deterioration and to ensure compliance with applicable health and safety standards, federal housing quality standards, and state and local building codes.

The survey identified aging single-family homes, and select multifamily properties as having higher prevalence of visible deficiencies. In particular, older housing stock showed disproportionate need for exterior repairs and ongoing maintenance. These conditions are often associated with limited household resources and deferred maintenance, underscoring the importance of continued housing rehabilitation efforts targeted to low- and moderate-income households.

While Lakeport is more urbanized than surrounding rural areas, certain neighborhoods exhibited a concentration of units with moderate to substantial deficiencies, indicating localized areas of need. Addressing substandard housing conditions in these areas should remain an ongoing priority for the City and can be effectively supported through targeted housing rehabilitation programs and related infrastructure improvements.

The survey findings also suggest that housing affordability and availability remain ongoing concerns with limited new units being added to the market. Ongoing monitoring of housing conditions and periodic updates to the survey will help ensure that housing programs remain responsive to community needs and align with long term housing and community development goals.

City of Lakeport
Housing Conditions Survey
5 May 2026
Scope ofWork
The Housing Conditions Survey was conducted within the incorporated boundaries of the City of Lakeport, California. The survey area encompasses residential neighborhoods throughout the City. The survey was designed to provide a representative assessment of housing conditions across the City and to identify patterns of deterioration, rehabilitation needs, and areas where housing reinvestment may be most effectively targeted.

Survey coverage was randomized and covered areas with a mix of housing types and ages, including single- family homes, manufactured homes and multifamily projects.

Survey Tasks:

The following tasks were undertaken as part of the Lakeport Housing Conditions Survey:
• Identification and evaluation of existing housing stock:

Surveyors conducted a windshield survey to assess the exterior condition of residential strucures throughout the City. Each dwelling unit was evaulated and assigned a condition rating based on observable exterior charachteristics.
• Use of HCD- recommended rating methodology:

Housing condition ratings were assigned using a modified version of the methodology recommended by the Califorina Department of Housing and Community Development (HCD) in the CDBG Grant Management Manual, which classifies housing conditions based on observable deterioration and potential health and safety concerns.
• Analysis of housing conditions and rehabilitation needs:

Survey results were compiled and analyzed to identify overall housing condition trends, common deficiencies, and areas with a higher concentration of units requiring rehabilitation or preservation. • Development of recommendations:

Based on the survey findings, recommendations were developed to address identified housing needs.

These recommendations include actions to improve housing conditions, support preservation of existing housing stock, and identify potential housing programts and funding sources that may be used to address rehabilitation and health and safety needs. Program information is also provided.

City of Lakeport
Housing Conditions Survey
6 May 2026

METHODOLOGY
The Housing Conditions Survey for the City of Lakeport was conducted using a combination of City-provided residential address listings, Geographic Information System (GIS) parcel data, and U.S. Census Tract boundaries to define the survey universe and guide sample selection.

Residential Address Listing and Survey Universe
The initial universe of housing units was established using City maintained residential address and utility meter records, which provide a comprehensive inventory of residential service locations within the incorporated boundaries of the City of Lakeport. These address listings were reviewed to remove clearly non-residential units, duplicate records, and addresses associated with undeveloped parcels where no residential structure was present.

Sample Selection
Once the residential survey universe was established, a random sampling methodology was applied. A sequence of random numbers was assigned to the list of eligible residential addresses within the City limits and a random sample of housing units was selected using an internet randomizer. This approach ensured that housing units across different neighborhoods, housing types, and ages were represented.

Sample sizes were determined in accordance with the California Department of Housing and Community Development (HCD) guidance provided in Conducting a Housing Conditions Survey, using accepted confidence levels and margins of error appropriate for CDBG housing analysis. The sampling methodology was designed to produce statistically valid results while remaining feasible for field-based data collection. A total of 174 units were surveyed using the following sample size formula for a proportion with finite population correction: n = [(z²·p(1−p))/E²] ÷ [1 + (((z²·p(1−p))/E² − 1)/N)]. (Exhibit A)
Field Survey Procedures
The Survey was conducted using a windshield survey methodology, with surveyors always remaining within the public right-of-way. The City made the public aware that the survey was being conducted. Surveyors visually assessed the exterior condition of residential structures with the sampled addresses. Undeveloped parcels were not scored.

In cases where selected addresses could not be reasonably observed due to physical barriers, access limitations, non-residential units or safety concerns, a pre-selected replacement was used. Replacements were developed in the same manner of randomization as the original sample set. A total of 12 replacements were utilized in the survey.

Properties containing more than one unit were identified as multifamily properties and each unit of was counted as an individual unit. Apartment buildings were not part of the study.

City of Lakeport
Housing Conditions Survey
7 May 2026
Housing Conditions Rating System
Each housing unit surveyed was evaluated using a point system recommended by HCD (Exhibit B). Five major structural components were visually assessed and numerically scored:
• Foundation
• Roofing
• Siding
• Windows
• Electrical
Scores for each component were totaled to generate an overall condition score for each unit. Based on this total score, units were categorized as Sound, Minor, Moderate, Substantial, or Dilapidated.

Survey Implementation
The survey team worked in pairs and were provided with optimized driving routes. Teams visually assessed each structure, considering building materials, size, configuration, and the presence of observable deterioration. Survey data was recorded standardized spreadsheets consistent with the HCD sample survey format. (Exhibit B) Interpreting for CDBG Purposes
For purposes of CDBG planning and housing program eligibility, housing units categorized as Minor, Moderate or Substantial are considered suitable for rehabilitation. Units categorized as Dilapidated are typically unsuitable for standard rehabilitation due to the extent of deterioration; however, these units remain important indicators of housing need and are included in the total percentage of units requiring housing intervention.

Dilapidated units may be candidates for demolition, reconstruction, or substantial rehabilitation depending on feasibility and available funding. All condition categories are reported to demonstrate housing need and support applications for housing and community development funding.

City of Lakeport
Housing Conditions Survey
8 May 2026
Analysis of Information
Analysis/Findings
The results of this survey reveal a measurable need for housing rehabilitation and ongoing maintenance in the City of Lakeport. Of the 174 housing units surveyed, approximately 46% (80 units) were identified as needing some level of improvement. This includes 21.8% (38 units) requiring minor rehabilitation, 20.7% (36 units) in need of moderate rehabilitation, 2.3% (4 units) requiring substantial rehabilitation and 1.1% (2 units) classified as dilapidated.

While a majority of surveyed units were found to be in sound condition (54%), the presence of moderate to substantial deficiencies among a notable portion of the housing stock indicates an ongoing need for targeted rehabilitation efforts. These findings support the City’s continued focus on housing preservation and reinvestment, particularly for low-and moderate-income households, to prevent further deterioration and to maintain safe, decent, and affordable housing.

Table 8-1: City of Lakeport Housing Conditions Survey
Results
Condition % of units # of units surveyed
Sound 54 94
Minor 21.8 38
Moderate 20.7 36
Substantial 2.3 4
Dilapidated 1.1 2
While most of the Lakeport’s housing stock is generally sound, the survey results demonstrate a measurable need for housing rehabilitation, particularly among units exhibiting moderate to substantial deficiencies that may impact long-term habitability and housing stability.

City of Lakeport
Housing Conditions Survey
9 May 2026
Housing Condition Assessment – Component Deficiencies
The housing condition survey findings indicate that exterior building components represent the most prevalent areas of concern among surveyed units in Lakeport. Notably, siding and stucco deficiencies were identified in 60% of inspected homes, making this the most significant issue category. This suggests widespread deterioration of exterior finishes, which may contribute to moisture intrusion, reduced energy efficiency, and accelerated structural wear if not addressed.

Secondary areas of concern include electrical systems (30.5%) and window conditions (29.3%), both of which were observed in nearly one-third of the housing stock. Electrical deficiencies may pose potential health and safety risks, while window-related issues—such as broken seals, damaged frames, or inefficiencies—can impact both habitability and energy performance.

Roofing issues were identified in 19% of units, indicating a moderate level of concern. While less prevalent than siding or electrical issues, roofing deficiencies remain critical due to their role in protecting the structural integrity of the home. Delayed maintenance in this area can lead to more extensive and costly damage over time.

Finally, foundation issues were relatively limited, affecting 4.6% of surveyed units, suggesting that structural base conditions are generally stable across the community. However, even at lower prevalence, foundation deficiencies typically require significant investment when present and should not be overlooked.

Overall, the data reflects a pattern in which weatherization, exterior rehabilitation, and system upgrades— particularly related to siding, electrical, and windows—should be prioritized in future housing rehabilitation efforts. Addressing these key areas will improve housing quality, extend the lifespan of existing units, and enhance overall community resilience.

City of Lakeport
Housing Conditions Survey
10 May 2026
Age of Housing Stock
In addition to other factors, the age of the housing stock contributes to the presence of substandard and deteriorating housing conditions in the City of Lakeport. Much of the City’s residential development occurred several decades ago, and older housing units are more likely to experience deferred maintenance and deterioration of major building systems over time.

According to data from the U.S. Census Bureau, ACS 2019–2023 5-Year Estimates, Table B25034 a substantial portion of Lakeport’s housing stock was constructed prior to 1980, with a significant share built before 1960.

These older units are more likely to require rehabilitation to address aging roofing materials, exterior siding deterioration, inefficient or failing windows, and outdated electrical systems. Housing units constructed prior to 1978 may also present additional concerns related to lead-based paint, further increasing rehabilitation needs.

Lakeport experienced notable residential growth during the mid-20th century, particularly between the 1950’s and 1970s. Many homes constructed during this period were built to the standards of the time and often include original materials such as single-pane windows, aging composite shingle roofs, limited insulations, and electrical systems that may no longer meet current code or safety standards. While interior conditions were not evaluated as part of the survey, experience with housing of this vintage suggests a higher likelihood that plumbing fixtures, heating systems, flooring, and electrical components may be approaching the end of their useful life.

The concentration of older housing units in Lakeport helps explain the moderate to substantial rehabilitation needs through the survey. As these units continue to age, the need for targeted housing rehabilitation programs will remain critical to preserving safe, decent, and affordable housing, particularly for low-and moderate-income households who may lack the resources to address major repair needs independently.

City of Lakeport – Housing Stock by Year Built
Table 10-1: Housing Units By Year Built
Year Built Category Units Percent
1939 or earlier 260 10.70%
1940–1949 185 7.60%
1950–1959 380 15.70%
1960–1969 115 4.70%
Subtotal: Pre-1970 Units 940 38.70%
1970–1979 731 30.10%
1980 or later 756 31.20%
Total Housing Units 2,427 100.00%
U.S. Census Bureau, ACS 2019–2023 5-Year Estimates, Table B25034 City of Lakeport
Housing Conditions Survey
11 May 2026
The age of Lakeport’s housing stock directly contributes to the rehabilitation needs identified in the Housing Conditions Survey. According to the U.S. Census Bureau, ACS 2019–2023 5-Year Estimates (Table B25034), approximately 38.7 percent of Lakeport’s housing units were built prior to 1970, which exceeds comparable benchmarks for Lake County (36 percent), California (35 percent), and the United States (35 percent). This indicates that Lakeport has an older housing stock relative to regional and national trends.

Table 11-1: Age of Housing Stock
Location % Built Before 1970
Lakeport, CA 38.70%
Lake County, CA 36%
California 35%
United States 35%
U.S. Census Bureau, ACS 2019–2023 5-Year Estimates, Table B25034 HUD Rental Housing Age Map
With approximately 85 percent of housing units now over 30 years old, many structures contain aging building systems that require repair or replacement to meet current health and safety standards. These conditions demonstrate a clear and ongoing need for funded housing rehabilitation assistance to preserve the existing housing inventory, maintain affordability, and support low- and moderate-income households.

City of Lakeport
Housing Conditions Survey
12 May 2026
Exterior Materials and Building Systems
The vast majority of residential structures surveyed in the City of Lakeport are constructed primarily of woodframe materials. Based on the Housing Conditions Survey results, approximately one-quarter of all structures surveyed require some level of repair to exterior siding or stucco. Many of Lakeport’s wood-sided homes are more than 30 years old and exhibit signs of weathering and deferred maintenance. Over time, exposure to seasonal temperature variation, moisture, and normal wear can accelerate deterioration of exterior materials, increasing maintenance needs for homeowners.

In addition to exterior materials, the survey evaluated observable building systems, including electrical services conditions. Survey results indicate electrical systems represent one of the most common areas of repair need, reflecting the age of much of Lakeport’s housing stock and the prevalence of older electrical components that may no longer meet current safety or code standards. Information related to electrical conditions helps inform future rehabilitation priorities and supports identification of opportunities for energy-efficiency upgrades as part of a comprehensive housing rehabilitation program.

Overcrowding
Overcrowding is a key housing condition indicator used by the U.S. Department of Housing and Urban Development (HUD) and the California Department of Housing and Community Development (HCD) to evaluate the adequacy of housing relative to household size. The U.S. Census Bureau defines overcrowding as more than 1.0 persons per room (excluding kitchens and bathrooms), and severe overcrowding as more than

1.5 persons per room.

Data from the American Community Survey (ACS) Table B25014 is typically used to evaluate overcrowding conditions. However, due to the small population size of Lakeport, detailed overcrowding estimates at the city level are limited or suppressed. As a result, county-level data provides the most reliable indicator of potential overcrowding conditions.

According to data derived from ACS dataset, approximately 3 to 5 percent of households in Lake County experience overcrowding (more than 1.0 persons per room), with less than 1 percent experiencing severe overcrowding (more than 1.5 persons per room). While these rates are relatively low compared to more urbanized areas, they indicate that overcrowding does occur within the region, particularly among lower-income and renter households.

In Lakeport, where the average household size is approximately 2.41 persons and renter-occupied units comprise approximately 24 percent of the housing stock, the potential for overcrowding may exist among larger households or those facing housing cost constraints.

Overcrowding can contribute to increased wear on housing units, accelerated deterioration of building systems, and heightened health and safety risks, particularly in older housing stock. As such, it remains an important consideration in evaluating housing conditions and planning for housing programs.

The City will continue to monitor overcrowding trends and consider strategies to address potential needs, including housing rehabilitation programs, preservation of existing housing stock, and the development of housing units with a range of bedroom sizes to accommodate larger households.

City of Lakeport
Housing Conditions Survey
13 May 2026
Fire Hazard Impacts
The updated Local Responsibility Area Fire Hazard Severity Zone mapping for the City of Lakeport shows that a substantial portion of the community, particularly along the western and southern interface areas, is exposed to Moderate, High, and Very High wildfire hazard conditions. This has direct implications for housing conditions, rehabilitation planning, long-term affordability, insurance availability, and public investment strategy. In practical terms, the map confirms that wildfire exposure is no longer only a land use issue; it is now a core housing quality, health and safety, and resilience issue for owner-occupied homes in Lakeport.

Based on the updated Fire Hazard Severity Zone mapping, wildfire resilience should be treated as an integral part of Lakeport’s housing condition response strategy. The City’s older housing stock is especially vulnerable because many homes predate current ignition-resistant design standards and may require targeted retrofit work to reduce ember intrusion, structural ignition, and defensible space deficiencies. Incorporating a Wildfire Resilience and WUI Compliance Component into the Owner-Occupied Rehabilitation Program would allow the City to align housing preservation goals with evolving state wildfire policy, improve safety for low- and moderate-income homeowners, and better position local households to maintain insurable, habitable, and sustainable housing in a fire-prone environment. Because some needed WUI-related site and mitigation measures may exceed or complicate CDBG eligibility, the City should pair CDBG rehabilitation assistance with referrals to state, federal, and local wildfire mitigation resources.

General Property Improvements Commonly Needed for WUI
Readiness
The following property improvements are commonly needed to improve WUI readiness and should be evaluated case by case for inclusion in the rehabilitation scope where clearly tied to housing preservation, health and safety, or wildfire risk reduction:
• Removal of combustible mulch, dead vegetation, and accumulated debris adjacent to the structure. • Replacement of attached combustible fencing segments nearest the home with noncombustible materials.
• Tree trimming and branch separation needed to reduce flame contact and ember accumulation near roofs, chimneys, and eaves.
• Roof replacement where existing materials are failing or highly combustible, along with gutter cleaning or gutter guard measures where justified.
• Installation of ember-resistant vents and enclosure or repair of vulnerable eave and soffit areas. • Replacement or repair of hazardous decks, stairs, porches, and landings that contribute to ignition risk and unsafe egress.
• Replacement of broken or highly vulnerable exterior windows and doors where part of an eligible rehabilitation scope.
• Drainage and site stabilization work when needed to protect the structure and avoid buildup of unmanaged vegetation or debris near the home. This should be justified as part of protecting the dwelling rather than as a general site beautification activity.

City of Lakeport
Housing Conditions Survey
14 May 2026
City of Lakeport
Housing Conditions Survey
15 May 2026
Vacant Single-Family Lot Inventory and Development Constraints The City of Lakeport’s inventory of vacant land zoned for single-family residential development (R-1) is limited in both quantity and development readiness, which constrains the City’s ability to accommodate new housing growth and respond to current and projected demand. Based on the City’s parcel-level analysis (see Vacant R-1 Lots Map), there are a total of 87 vacant R-1 parcels, of which only 24 parcels are less than 8,000 square feet and readily developable for single-family construction.

As illustrated in the Vacant R-1 Lots Map, vacant parcels are dispersed throughout the City and are not concentrated in large, contiguous areas suitable for subdivision or coordinated residential development. The majority of parcels are either constrained by size, configuration, infrastructure limitations, or ownership patterns that limit their immediate feasibility for development.

Limited Development Capacity and Site Constraints
The small number of buildable lots under 8,000 square feet reflects a constrained inventory of “shovel-ready” sites that could support near-term single-family housing production. While the remaining larger parcels (those exceeding 8,000 square feet) may offer potential for multiple units or small-scale subdivision, these sites typically require additional planning, infrastructure investment, or parcel consolidation before development can occur.

This condition presents several key constraints:
• Fragmented Land Supply: The scattered nature of vacant lots limits economies of scale for developers and increases per-unit development costs.
• Lack of Subdivision-Ready Land: Few large, contiguous tracts are available to support traditional subdivision development patterns.
• Infrastructure and Improvement Gaps: Some parcels may lack full utility access or require site improvements, further delaying development feasibility. • Ownership Constraints: Multiple ownership patterns may hinder assemblage of parcels needed for efficient development.

Impacts on Housing Production and Market Conditions
The limited supply of readily buildable single-family lots directly impacts the City’s ability to facilitate new housing construction. This constraint contributes to:
• Reduced Housing Production: Builders face limited opportunities to construct new single-family homes, particularly entry-level or moderate-income units.
• Upward Pressure on Housing Costs: Scarcity of developable land increases land values, which in turn raises the cost of new housing.
• Aging Housing Stock: Without sufficient new construction, the City must rely more heavily on its existing housing inventory, much of which may require rehabilitation. • Limited Homeownership Opportunities: A constrained pipeline of new for-sale units restricts access to homeownership for first-time and moderate-income households.

City of Lakeport
Housing Conditions Survey
16 May 2026
Under California Housing Element Law, jurisdictions must demonstrate that adequate sites are available and appropriately zoned to accommodate their Regional Housing Needs Allocation (RHNA) across all income levels.

HCD places particular emphasis on:
• Realistic Development Capacity: Sites must have a reasonable likelihood of development within the planning period.
• Appropriate Parcel Size and Configuration: Sites should be of sufficient size and shape to accommodate the intended density and housing type.
• Availability of Infrastructure and Services: Sites should have access to necessary utilities and public services.

While Lakeport’s R-1 zoning provides opportunities for single-family development, the limited number of small, development-ready parcels and the constraints affecting larger sites may reduce the realistic capacity of the site inventory, particularly for moderate- and above-moderate-income housing categories typically served by singlefamily construction.

Role of a Homebuyer Assistance Program
Given the constrained supply of developable land and the resulting higher cost of new construction, a homebuyer assistance program could play a critical role in facilitating housing development and occupancy on available lots. Such a program could:
• Bridge Affordability Gaps: Provide down payment assistance to enable low- and moderate-income households to purchase newly constructed homes.
• Support Small-Scale Infill Development: Incentivize builders to develop scattered vacant lots by increasing the pool of qualified buyers.
• Improve Feasibility of Development: Help offset higher per-unit costs associated with small or infill sites. • Promote Efficient Use of Existing Land: Encourage development of underutilized parcels within established neighborhoods.

The City of Lakeport’s limited inventory of vacant, development-ready single-family lots represents a significant constraint to new housing production. While a total of 87 R-1 parcels have been identified, only 24 are immediately suitable for development without substantial additional investment or site preparation. This shortage of readily buildable land restricts the City’s ability to expand its housing stock, particularly for ownership housing, and underscores the need for targeted programs and policies to support infill development, improve site readiness, and enhance housing affordability.

City of Lakeport
Housing Conditions Survey
17 May 2026
Vacant R-1 Lots Map –
City of Lakeport
Housing Conditions Survey
18 May 2026
Recommendations of Action
Based on the findings of the Housing Conditions Survey, which identified that approximately 45.9 percent of surveyed housing units require some level of repair or rehabilitation, and the presence of an aging housing stock with a significant portion constructed prior to 1970, the City of Lakeport should implement a coordinated set of housing programs and funding strategies to address identified needs.

The following recommendations are designed to meet Housing Element requirements by linking identified housing needs with specific programs, funding sources, and measurable outcomes.

1. EXPAND OWNER-OCCUPIED HOUSING REHABILITATION PROGRAMS Program / Funding Source:

State Community Development Block Grant (CDBG) Program
HOME Investment Partnerships Program
CalHome Program
Recommended Action:

The City should expand its owner-occupied rehabilitation program to address minor, moderate, and substantial repair needs identified in the survey, including roofing, siding, windows, and electrical system deficiencies. Priority should be given to low- and moderate-income households, seniors, and persons with disabilities.

How This Addresses Identified Needs:
• Directly targets the 45.9% of units requiring repair
• Addresses health and safety deficiencies and substandard conditions • Preserves existing affordable housing stock
• Prevents further deterioration of aging units
Housing Element Compliance:

Supports conservation of existing housing stock and addresses substandard housing conditions as required under Government Code §65583(a)(2).

2. IMPLEMENT TARGETED REHABILITATION IN HIGH-NEED AREAS Program / Funding Source:

State CDBG Program (Area-Based Activities)
HOME Program (Rehabilitation)
Recommended Action:

Develop geographically targeted rehabilitation programs in neighborhoods identified through the survey as having concentrations of moderate to substantial deficiencies.

How This Addresses Identified Needs:
• Focuses resources on areas with the highest concentration of deteriorating units • Improves overall neighborhood conditions
• Enhances health and safety for vulnerable populations Housing Element Compliance:

Addresses geographic disparities in housing conditions and supports equitable investment strategies.

City of Lakeport
Housing Conditions Survey
19 May 2026

3. IMPROVE ENERGY EFFICIENCY AND BUILDING SYSTEMS
Program / Funding Source:

Weatherization Assistance Program (WAP)
CDBG Program (Housing Rehabilitation)
HOME Program
Recommended Action:

Integrate energy efficiency improvements into rehabilitation programs, including insulation, window replacement, and electrical system upgrades.

How This Addresses Identified Needs:

Addresses aging electrical systems and building components identified in the survey Reduces utility costs for low-income households
Improves long-term housing sustainability
Housing Element Compliance:

Supports maintenance of safe and healthy housing conditions and reduces cost burden.

4. EXPAND AFFORDABLE HOUSING DEVELOPMENT OPPORTUNITIES
Program / Funding Source:

LIHTC
AHSC Program
AHP
HOME Program
Recommended Action:

Facilitate new construction of affordable housing through partnerships, incentives, and use of available funding programs.

How This Addresses Identified Needs:

Addresses housing affordability and availability concerns identified in the survey Increases supply of affordable units
Reduces displacement risk
Housing Element Compliance:

Supports production of housing for all income levels as required by State law.

5. SUPPORT PREDEVELOPMENT AND PROJECT READINESS
Program / Funding Source:

Predevelopment Loan Program
AHSC Program
Recommended Action:

Utilize predevelopment funding to support feasibility studies, site acquisition, and project design for affordable housing developments.

City of Lakeport
Housing Conditions Survey
20 May 2026
How This Addresses Identified Needs:

Removes barriers to housing development
Accelerates project readiness
Enables leveraging of additional funding sources
Housing Element Compliance:

Facilitates housing production and implementation of Housing Element goals.

6. STRENGTHEN PROGRAM OUTREACH AND ACCESS
Program / Funding Source:

CDBG Planning and Administration
HOME Program
Recommended Action:

Enhance outreach efforts to ensure eligible households are aware of available housing programs, with targeted outreach to seniors, low-income households, and underserved populations.

How This Addresses Identified Needs:

Ensures programs reach households most affected by substandard housing conditions Improves program utilization and effectiveness
Housing Element Compliance:

Supports fair housing and equitable access to housing resources.

7. IMPLEMENT A HOMEBUYER ASSISTANCE PROGRAM W/REHABILITATION Program / Funding Source:
• CalHome Program
• HOME Investment Partnerships Program
• State Community Development Block Grant (CDBG) Program Recommended Action:

The City should implement a Homebuyer Assistance Program to support low- and moderate-income households in achieving homeownership. The program may include down payment assistance, closing cost assistance, and mortgage gap financing to improve affordability and access to homeownership opportunities.

How This Addresses Identified Needs:
• Provides pathways to homeownership for low- and moderate-income households • Supports households currently living in substandard or overcrowded housing conditions by enabling transition to safe and stable housing
• Reduces demand on the rental market, helping to alleviate housing cost pressures • Promotes neighborhood stability and long-term housing affordability • Builds household wealth and economic resilience within the community Housing Element Compliance:

Supports housing affordability, promotes homeownership opportunities, and addresses the housing needs of lower-income households consistent with Government Code §65583(a), including facilitating a range of housing opportunities and improving housing conditions.

City of Lakeport
Housing Conditions Survey
21 May 2026

8. Implement An Infill Lot Homebuyer Development Program Program / Funding Source:

CalHome Program
HOME Investment Partnerships Program
State Community Development Block Grant (CDBG) Program
Local Housing Trust Funds or In-Lieu Fees
Partnerships with Nonprofit Housing Developers
Recommended Action:

The City should implement an Infill Lot Homebuyer Development Program to facilitate the construction of new affordable single-family homes on vacant or underutilized infill parcels. The program would support site acquisition, infrastructure improvements, and construction of modest, energy-efficient homes to be sold to income-qualified homebuyers. The City may partner with nonprofit developers or utilize a turnkey development model to ensure affordability and long-term compliance.

How This Addresses Identified Needs:

Increases the supply of affordable homeownership opportunities within the community Utilizes vacant and underdeveloped parcels, promoting efficient land use and reducing blight Provides newly constructed, code-compliant housing, WUI approved units Supports neighborhood revitalization and infill development consistent with smart growth principles Reduces pressure on existing aging housing stock by introducing new units into the market Creates opportunities for first-time homebuyers to purchase homes with lower maintenance costs Encourages long-term community stability and investment Housing Element Compliance:

Supports the development of affordable housing, efficient use of existing residential land, and expansion of homeownership opportunities for lower-income households, consistent with Government Code §65583(a) and §65583(c), including programs to facilitate infill development, remove governmental constraints, and promote housing affordability.

City of Lakeport
Housing Conditions Survey
22 May 2026
Available Programs

CALHOME PROGRAM
The CalHome Program, administered by the California Department of Housing and Community Development (HCD), provides funding to local governments and nonprofit organizations to support a range of housing activities for low- and very low-income households. Eligible uses include owneroccupied rehabilitation, first-time homebuyer assistance, housing acquisition and rehabilitation, and new construction of ownership housing.

In the City of Lakeport, CalHome funds can be used primarily to address the identified need for rehabilitation of aging housing stock, particularly units constructed prior to 1970 that exhibit deferred maintenance and system deterioration. Rehabilitation activities may include roofing replacement, siding repair, accessibility improvements, and electrical system upgrades, helping to preserve safe and affordable housing.

CalHome may also support first-time homebuyer activities, including down payment assistance, closing cost assistance, and mortgage gap financing. While not the primary focus, these activities provide opportunities for low- and moderate-income households to achieve homeownership and transition from substandard or overcrowded housing into stable housing conditions.

HOME INVESTMENT PARTNERSHIPS PROGRAM
The HOME Investment Partnerships Program (HOME) is a federal program administered by the U.S.

Department of Housing and Urban Development (HUD) that provides flexible funding for a broad range of affordable housing activities. Eligible uses include owner-occupied and rental housing rehabilitation, new construction of affordable housing, acquisition, tenant-based rental assistance, and homebuyer assistance.

For Lakeport, HOME funds can be used to address several identified housing needs, including rehabilitation of substandard units, preservation of existing housing stock, and development of new affordable housing. Given that approximately 45.9 percent of surveyed units require some level of repair, HOME-funded rehabilitation programs can significantly improve housing conditions and extend the useful life of older units.

HOME may also be used to support homebuyer assistance activities, including down payment and closing cost assistance. While secondary to rehabilitation and production activities, these efforts help expand access to homeownership, reduce pressure on the rental market, and support overall housing stability.

City of Lakeport
Housing Conditions Survey
23 May 2026

STATE COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG)

PROGRAM
The State Community Development Block Grant (CDBG) Program, administered by HCD, provides funding to non-entitlement jurisdictions to support activities that benefit low- and moderate-income households. Eligible uses include housing rehabilitation, public infrastructure improvements, public facilities, economic development, code enforcement, planning activities, and homebuyer assistance.

CDBG is a primary funding source for the City of Lakeport to address housing conditions identified in the survey. With nearly half of surveyed units requiring repair, CDBG-funded rehabilitation programs can address health and safety deficiencies, including structural repairs, correction of code violations, and accessibility improvements.

In addition, CDBG may support homebuyer assistance activities such as down payment and closing cost assistance. While rehabilitation remains the priority use, incorporating homebuyer assistance can provide additional pathways to stable housing and support neighborhood revitalization.

FEDERAL AFFORDABLE HOUSING PROGRAM (AHP)
The Federal Affordable Housing Program (AHP), administered through the Federal Home Loan Bank, provides competitive grant funding to support the development, acquisition, and rehabilitation of affordable housing for low- and moderate-income households.

Eligible uses include rental and ownership housing development, rehabilitation, and in some cases homeownership set-aside programs administered through participating financial institutions.

In Lakeport, AHP funds can be leveraged with other funding sources to support rehabilitation of aging housing stock and development of affordable housing units. While AHP is more commonly used for rental and ownership development, it may also support limited homeownership assistance through participating lenders, complementing local homebuyer programs.

WEATHERIZATION ASSISTANCE PROGRAM (WAP)
The Weatherization Assistance Program (WAP), funded by the U.S. Department of Energy, provides grants to improve the energy efficiency of housing occupied by low-income households. Eligible activities include insulation, air sealing, window replacement, and heating and cooling system improvements.

In Lakeport, WAP can address deficiencies in older housing units by improving energy efficiency and reducing utility costs. These improvements are particularly important for low-income households residing in aging housing stock.

WAP does not provide funding for homebuyer assistance but complements rehabilitation programs by addressing energy-related housing deficiencies.

City of Lakeport
Housing Conditions Survey
24 May 2026

FEDERAL AND STATE LOW-INCOME HOUSING TAX CREDITS (LIHTC) The Low-Income Housing Tax Credit (LIHTC) Program is the primary financing tool for the development and rehabilitation of affordable rental housing. Eligible uses include new construction and rehabilitation of affordable multifamily housing.

In Lakeport, LIHTC can support the preservation and expansion of affordable rental housing, particularly for lower-income households. Projects may include larger unit sizes to accommodate families and reduce overcrowding.

LIHTC does not directly fund homebuyer assistance but plays a critical role in increasing overall housing supply and reducing pressure on the housing market.

PREDEVELOPMENT LOAN PROGRAM
The Predevelopment Loan Program, administered by HCD, provides financing to support early-stage affordable housing development activities. Eligible uses include site acquisition, feasibility studies, environmental review, and architectural and engineering work.

For Lakeport, this program can support the development of affordable housing projects by preparing sites and projects for construction funding.

While the program does not directly fund homebuyer assistance, it supports the development of ownership housing projects that may ultimately be sold to income-eligible homebuyers.

AFFORDABLE HOUSING AND SUSTAINABLE COMMUNITIES (AHSC)

PROGRAM
The Affordable Housing and Sustainable Communities (AHSC) Program provides funding for integrated housing and transportation projects that reduce greenhouse gas emissions. Eligible uses include affordable housing development, transportation improvements, and related infrastructure.

In Lakeport, AHSC can support development of affordable housing in conjunction with infrastructure improvements that enhance accessibility and sustainability.

AHSC does not directly fund homebuyer assistance but may support ownership housing developments that contribute to long-term housing affordability and community sustainability.

City of Lakeport
Housing Conditions Survey
25 May 2026
LOCAL HOUSING TRUST FUND – COUNTY OF LAKE
The City of Lakeport is a participating member of the Lake County Regional Housing Trust Fund (LCRHTF), a recently established regional funding entity formed in partnership with the County of Lake and the City of Clearlake. The LCRHTF is intended to serve as a flexible and locally controlled funding source to support housing activities throughout the region, including the development, rehabilitation, and preservation of housing for low- and moderate-income households.

The Trust Fund is designed to provide gap financing, support predevelopment and land acquisition activities, and assist with both rental and homeownership housing initiatives. As a regional entity, it also positions Lakeport to leverage additional funding opportunities, including State matching funds available through California’s Local Housing Trust Fund Program. This ability to attract and layer funding enhances the City’s capacity to implement a broader range of housing programs and respond more effectively to identified housing needs.

As the LCRHTF becomes fully operational and capitalized, it is expected to play a key role in advancing Lakeport’s housing goals by supporting infill development, expanding homeownership opportunities, and addressing deficiencies in the existing housing stock. The availability of a dedicated local housing funding source strengthens the City’s ability to deliver targeted, sustainable housing solutions and promotes long-term community stability.

Program Eligible Uses Lakeport Housing Needs
Addressed
Target Population Priority
Level
CalHome Program Owner-occupied rehabilitation;
homebuyer assistance;
acquisition/rehab; new
construction (ownership)
Aging housing stock; deferred
maintenance; need for
homeownership opportunities
Low- and very lowincome homeowners
and first-time
homebuyers
High
HOME Investment
Partnerships
Program
Rehabilitation (owner & rental);
new construction; acquisition;
tenant-based rental assistance;
homebuyer assistance
Substandard housing (45.9% needing
repair); preservation of housing stock;
affordability; housing supply
Low-income
households, renters,
homebuyers
High
State CDBG
Program
Housing rehabilitation;
infrastructure; public facilities;
code enforcement; planning;
homebuyer assistance
Health and safety deficiencies;
neighborhood reinvestment; aging
housing; infrastructure needs
Low- and moderateincome householdsHigh
Federal AHP Affordable housing development;
acquisition; rehabilitation; limited
homeownership assistance (via
lenders)
Preservation of aging housing;
development of affordable units;
funding gap financing
Low- and moderateincome households;
seniors; renters
MediumHigh
Weatherization
Assistance Program
(WAP)
Energy efficiency improvements
(insulation, HVAC, windows,
sealing)
Aging housing systems; high utility
costs; energy inefficiency in older
homes
Low-income
households
Medium
Low-Income Housing
Tax Credits (LIHTC)
New construction and
rehabilitation of affordable rental
housing
Limited housing supply; preservation
of multifamily housing; affordability;
family-sized units
Low-income renter
households
High
Predevelopment
Loan Program
Site acquisition; feasibility;
environmental review;
design/engineering
Barriers to housing development;
project readiness; pipeline
development
Developers; City
partners
Medium
AHSC Program Affordable housing development;
transportation; infrastructure;
sustainability improvements
Housing supply; neighborhood
improvements; access to services;
long-term affordability
Low-income
households; transitaccessible
populations
MediumHigh
Homebuyer
Assistance Program
(Local Program)
Down payment assistance;
closing costs; mortgage gap
financing
Transition from
substandard/overcrowded housing;
rental market pressure; housing
stability
Low- and moderateincome householdsMediumHigh
City of Lakeport
Housing Conditions Survey
27 May 2026

EXHIBIT A
City of Lakeport
Housing Conditions Survey
28 May 2026
Step 1: Formula
n=Z2⋅p⋅(1−p)E2⋅NN−1+Z2⋅p⋅(1−p)E2n = \frac{Z^2 \cdot p \cdot (1-p)}{E^2} \cdot \frac{N}{N - 1 + \frac{Z^2 \cdot p \cdot (1-p)}{E^2}}
With:
• Z=1.96Z = 1.96 (95% confidence)
• p=0.5p = 0.5 (maximum variability)
• E=0.07E = 0.07
• N=1463N = 1463
Step 2: Compute the sample size
Z2⋅p⋅(1−p)E2=(1.962)(0.25)0.072\frac{Z^2 \cdot p \cdot (1-p)}{E^2} = \frac{(1.96^2)(0.25)}{0.07^2} • 1.962=3.84161.96^2 = 3.8416
• 3.8416⋅0.25=0.96043.8416 \cdot 0.25 = 0.9604
• 0.072=0.00490.07^2 = 0.0049
• 0.9604/0.0049≈196.00.9604 / 0.0049 \approx 196.0
Sample size = 196.0. with 5% margin
Step 3: Apply finite population with 7% margin
n=196.0⋅14631463−1+196.0n = \frac{196.0 \cdot 1463}{1463 - 1 + 196.0} • Denominator = 1463−1+196.0=1658.01463 - 1 + 196.0 = 1658.0 • Numerator = 196.0⋅1463=286,748196.0 \cdot 1463 = 286,748 • Division → 286,748/1658.0≈173.0286,748 / 1658.0 \approx 173.0 @ 7% margin For a 95% confidence interval with a ±7% margin of error and a total universe of 1463, you need a sample size of about 173.

EXHIBIT B
City of Lakeport
Housing Conditions Survey
29 May 2026
Address Vacant Construction Type Structure Type
No
Garag
e
# of
Units
Frontag
e: Curbs
Frontag
e:

Sidewal
ks
Frontag
e: Paved
Street
Frontag
e:

Drivewa
y
Frontag
e:

Gutters
Frontag
e:

Adequat
e Site
Drainag
e
Foun
d
(pts)
Roofin
g (pts)
Siding/
Stucco
(pts)
Windows
(pts)
Electric
al (pts)
Total
Points
344 15th Street No Wood Frame Duplex 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 390 15th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 1225 Hartley Street No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes No Yes Yes 0 0 1 10 10 21
580 Clearlake street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No Yes 0 0 10 10 10 30
717 Clearlake No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes No Yes Yes 0 25 1 10 0 36
789 Clearlake No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 10 0 10 790 Pool No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 855 Pool No Wood Frame Single Family - Detached Garage 1 No No Yes Yes No Yes 0 0 0 0 0 0 785 14th st No Wood Frame Single Family - Attached Garage 1 Yes No Yes Yes No Yes 0 0 1 0 0 1 867 14th St No Wood Frame Single Family - Attached Garage 1 Yes No Yes Yes Yes No 0 0 1 0 0 1 390 7th st No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 200 9th street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes No Yes No 0 0 0 0 0 0 590 10th street No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 625 10th Street No Wood Frame Single Family - Detached Garage 1 No No No Yes No Yes 0 0 0 0 0 0 1795 Mikes Way No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 866 15th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 10 0 10 824 16th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 1 10 0 11 836 16th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 874 16th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 1720 Mellor No Modular Single Family - Detached Garage 1 No No Yes Yes No Yes 0 0 1 0 0 1 930 Page No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 5 5 0 0 10 955 Page No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 1 0 0 1 1015 Page No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 1 0 0 1 1147 Page No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 1 0 0 1 1625 Palm Drive No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 1 0 10 11 1427 Palm No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 1 0 0 1 1501 Orchid No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 5 10 10 25 890 Boggs No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No No 0 0 1 10 10 21 1030 Boggs No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No No 0 0 0 0 10 10 1075 Boggs No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No No 0 10 1 0 10 21 2205 Oacrest No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 0 0 0 0 805 Anastasia No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes Yes Yes Yes 0 0 1 0 0 1
860 Anastasia No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 5 0 0 5 1046 Adams Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 1 0 0 1 805 Jerry No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes 0 0 5 0 0 5 480 Fairview No Wood Frame Single Family - Attached Garage 1 No No Yes No No No 0 0 0 10 10 20 262 Hillcrest Drive No Wood Frame Single Family - Attached Garage 1 No No No No No No 0 0 10 0 0 10

EXHIBIT C
City of Lakeport
Housing Conditions Survey
30 May 2026
352 Hillcrest No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000 100 10 375 Hillcrest Drive No Wood Frame Single Family - Detached Garage 1 No No Yes Yes Yes Yes000000 445 Hillcrest No Wood Frame Single Family - Attached Garage 1 Yes No Yes Yes Yes No000000 450 Hillcrest No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No Yes00 1 00 1
520 Hillcrest No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes00 1 00 1 287 Forest Drive No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes No00 1000 10 348 Forest drive No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 580 Forest No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes0 25 1 00 26 566 Forest Dr No Wood Frame Single Family - Detached Garage 1 No No No Yes No No00505 10 550 Forest No Masonry
Single Family - Detached
Garage Yes 1 No No Yes No No No00 1 00 1
480 Forest Dr No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No No00 1 00 1
380 Forest Dr No Wood Frame Single Family - Detached Garage 1 No No Yes No No Yes000000 353 Forest dr No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes005005 475 Third Street No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No No 1055 1 10 31 654 Third Street No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No Yes000000 775 Third Street No Wood Frame Single Family - Detached Garage 1 No No Yes Yes No Yes00505 10 825 3rd Street No Wood Frame Single Family - Detached Garage 1 No No Yes Yes No Yes000000 555 Second Street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No Yes00 1 00 1
1021 2nd street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes No No05500 10 1041 2nd street No Wood Frame Single Family - Detached Garage 1 Yes No Yes Yes Yes No000000 1050 2nd street No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes No No No00 1005 15 780 4th Street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No No0000 10 10
380 5th Street No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes No No00 1 00 1 650 5th Street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No No000055
785 6th Street No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No Yes000000 730 6th Street No Wood Frame Single Family - Detached Garage 1 No No Yes Yes No Yes000000 585 Sixth Street No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes000000 330 6th Street No Wood Frame Single Family - Detached Garage2 Yes No Yes No No No0000 10 10 655 5th street No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No Yes00 1 00 1 760 5th street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No No00 1 00 1
495 Ninth Street No Masonry Single Family - Attached Garage 1 No No Yes No No No0 25 1 0 10 36 777 7th Street Yes Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 555 9th Street No Wood Frame Single Family - Detached Garage 1 No No Yes No No No00 1 00 1 375 10th Street No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes No No No05555 20 445 10th Street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No No000000
210 11th Street No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes No Yes No00 10 10 10 30
835 16th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000 100 10 930 Central Park No Modular Single Family - Detached Garage 1 No No Yes Yes No No05 1 006 1300 Central Park No Wood Frame Single Family - Detached Garage 1 No No Yes Yes No No 100505 20 City of Lakeport
Housing Conditions Survey
31 May 2026
2455 Giselman No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes005005 460 Hillcrest No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No No 100500 15 219 Mariah No Wood Frame Duplex4 Yes Yes Yes Yes Yes Yes050 1 06 1350 Martin No Wood Frame Single Family - Attached Garage 1 No No No Yes No No000000 1650 Mellor No Masonry Single Family - Detached Garage 1 No No Yes Yes No No000505 1495 N Forbes No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes No No No 10050 10 25
750 N High Street No Wood Frame Single Family - Attached Garage 1 No No Yes No No No000000 1310 N High Street No Wood Frame Single Family - Detached Garage 1 Yes No Yes Yes Yes Yes000000 1490 N High Street No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No No000000 1705 n Main No Wood Frame Single Family - Attached Garage4 Yes No Yes Yes Yes Yes005005 255 16th Street No Wood Frame Single Family - Detached Garage 1 No No Yes No No No00 1 056 1439 Palm No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes0 10 1 0 10 21 450 6th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes00 1 0 10 11 40 Lily Cove No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No No00 1 10 10 21
66 Helena Yes Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes00 1 10 10 21 1263 Fenway Yes Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 1414 Camdon No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 30 Lupoyoma Ave No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No No005 10 10 25
30 K Street No Wood Frame Single Family - Detached Garage 1 No No Yes No No No0 105 10 10 35 175 15th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes No Yes Yes000 100 10 255 15th street No Wood Frame Single Family - Detached Garage 1 Yes No Yes No No Yes000000 255 Orchard Street Yes Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No No 15 25 10 10 10 70
115 Lupoyoma Cir No Wood Frame Single Family - Attached Garage 1 No No Yes No No Yes0 100 100 20 102 Lupoyoma Heights No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes000 105 15 110 Lupoyoma Heights No Wood Frame Single Family - Attached Garage 1 Yes No Yes Yes Yes No000000 130 Lupoyoma Heights No Wood Frame
Single Family - Detached
Garage Yes 1 No Yes Yes Yes No Yes00 1 056
145 lupoyoma heights No Modular
Single Family - Detached
Garage Yes 1 No No Yes Yes No Yes000000
101 S Forbes Street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No No00 1 105 16
385 S. Forbes No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes No Yes Yes055 10 10 30
150 S Hign Street No Wood Frame
Single Family - Attached
Garage Yes 1 No No Yes Yes No No000000
295 S. High street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No No000 10 10 20
130 S Tunis No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes Yes Yes No 100005 15
138 S Polk No Wood Frame Single Family - Attached Garage 1 No No Yes Yes No No00 1 100 11 115 S Polk No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 1301 N Main No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes000000 1475 N Main No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes000000 1595 N Main No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes000000 City of Lakeport
Housing Conditions Survey
32 May 2026
1155 N Tunis No Wood Frame Single Family - Detached Garage 1 No No Yes No No Yes0 105 10 10 35 300 9th street No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes0 10 10 10 10 40 965 6th Street No Wood Frame Single Family - Detached Garage 1 No No Yes Yes No No0 105 100 25 425 5th Street No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes No0 25 1 0 10 36 30 Oak Knoll No Wood Frame Single Family - Attached Garage 1 No No Yes No No Yes000000 55 Oak Knoll No Masonry Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes0 105 10 10 35 25 Helena Yes Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No No0 10 10 10 10 40
1963 Will o View No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 958 19th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 1690 Hartley No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes No Yes Yes 10 10 1 0 10 31
2310 Loch No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes Yes No Yes00 1 100 11
396 Sayre No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000 10 10 20 2023 Lakeshore No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 101 Mariah No Wood Frame Single Family - Attached Garage4 Yes Yes Yes Yes Yes Yes000000 211 Mariah No Wood Frame Single Family - Attached Garage4 Yes Yes Yes Yes Yes Yes000000 1632 Montana Vista No Wood Frame Single Family - Attached Garage4 Yes No Yes Yes Yes Yes000000 1730 Montana Vista No Wood Frame Single Family - Attached Garage4 Yes No Yes Yes Yes Yes000000 1836 Montana Vista No Wood Frame Single Family - Attached Garage4 Yes No Yes Yes Yes Yes0000 10 10 1727 Via Del Cabana No Wood Frame Single Family - Attached Garage4 Yes Yes Yes Yes Yes Yes000000 1820 Via Del Cabana No Wood Frame Single Family - Attached Garage4 Yes No Yes Yes Yes Yes000000 575 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No No055 105 25
601 Armstrong No Wood Frame Single Family - Detached Garage 1 No No Yes No No No0 10 10 10 10 40 850 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes No Yes Yes00 1 0 10 11
915 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes No Yes Yes00 1 00 1
920 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes No Yes Yes000000
950 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes Yes Yes Yes00 1 00 1
970 Armstrong No Mobile
Single Family - Detached
Garage Yes 1 Yes Yes Yes No Yes No 25 10 10 105 60
1010 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes Yes Yes Yes0 1000 10 20
1020 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No Yes000000
1095 Armstrong No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes No Yes No005 10 10 25
1295 Armstrong No Wood Frame Single Family - Detached Garage 1 No No Yes No No Yes00 1 0 10 11 1240 Berry No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No Yes000000
1175 Bryce No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes0 10 1 00 11 965 6th Street No Wood Frame Single Family - Detached Garage 1 No No Yes No No No0 10 10 100 30 810 Central Park No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 City of Lakeport
Housing Conditions Survey
33 May 2026
850 Central Park No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No No00 1 100 11
1020 Central Park No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No Yes000 100 10
1030 Central Park No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No Yes0000 10 10
1418 Wild Oaks No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes0 10 1 00 11 1424 Wild Oak Ct No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 2225 Green No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes No No Yes00 1000 10 2376 Giselman No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes005 100 15 2370 Ashe No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes Yes Yes Yes00 1 00 1
2408 Beach No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes No No Yes05 1 006
355 20th Street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 385 20th Street No Wood Frame
Single Family - Detached
Garage Yes 1 Yes Yes Yes Yes Yes Yes0 255 10 10 50
708 20th No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000 100 10 748 20th street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes00 1 00 1 757 20th street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes00 1 00 1 933 20th street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000000 977 20th street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes00 1 100 11 1327 20th street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes0 10 1 00 11 380 17th street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes00 1 00 1 335 17th street No Wood Frame Single Family - Attached Garage 1 No No Yes No No No005005 315 17th street No Wood Frame
Single Family - Detached
Garage Yes 1 No No Yes Yes No No005 10 10 25
520 Esplanade No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes005005 435 Esplanade No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes Yes Yes Yes00 1 100 11
101 S Forbes Street No Wood Frame Single Family - Detached Garage 1 Yes No Yes No Yes No000000 1365 N Forbes No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes00 1 00 1 606 Martin street No Wood Frame Single Family - Attached Garage 1 Yes Yes Yes Yes Yes Yes000 100 10 455 Esplanade No Wood Frame
Single Family - Detached
Garage Yes 1 Yes No Yes Yes Yes Yes00 1 10 10 21
425 14th St No Wood Frame Single Family - Detached Garage 1 Yes Yes Yes Yes Yes Yes0 10 1 10 10 31

RESOLUTION NO. XXXXX

A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF LAKEPORT

ACCEPTING THE FINAL PLANNING PRODUCTS PREPARED UNDER
COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) PLANNING GRANT NO. 22-CDBG-PL-20037 AND AUTHORIZING COMPLETION OF THE GRANT

CLOSEOUT PROCESS
WHEREAS, the City of Lakeport ("City") was awarded Community Development Block Grant (CDBG) Planning Grant No. 22-CDBG-PL-20037 by the California Department of Housing and Community Development ("HCD") to strengthen the City's capacity to develop and administer housing assistance programs through the preparation of housing planning documents, policies, procedures, and administrative tools; and
WHEREAS, the City has completed the planning activities funded through the grant, including preparation of the May 2026 City of Lakeport Housing Conditions Survey, OwnerOccupied Housing Rehabilitation Program Guidelines, and HOME First-Time Homebuyer Program Guidelines, together with related planning and administrative materials; and WHEREAS, the City Council conducted a duly noticed public hearing on August 18, 2026, to receive public comments regarding the City's performance under CDBG Planning Grant No. 22-CDBG-PL-20037, review the completed planning products, and consider their acceptance as required by HCD for grant closeout; and
WHEREAS, acceptance of the planning products acknowledges completion of the planning activities funded through the grant and satisfies a requirement of the CDBG Planning Grant closeout process, but does not establish, fund, or implement any housing assistance program, each of which would require separate funding and future City Council action.

NOW, THEREFORE, THE CITY COUNCIL OF THE CITY OF LAKEPORT DOES HEREBY RESOLVE AS FOLLOWS:

SECTION 1. Acceptance of Final Planning Products. The City Council hereby accepts the following final planning products prepared under Community Development Block Grant (CDBG) Planning Grant No. 22-CDBG-PL-20037:

1. May 2026 City of Lakeport Housing Conditions Survey;

2. Owner-Occupied Housing Rehabilitation Program Guidelines; and

3. First-Time Homebuyer Program Guidelines.

SECTION 2. Findings Regarding Completion of Activities. The City Council finds that the planning products identified in Section 1 have been completed in substantial accordance with the scope and objectives of Community Development Block Grant Planning Grant No. 22-CDBG-PL-20037 and that acceptance of the planning products satisfies the City's governing body acceptance requirement for grant closeout.

SECTION 3. Authorization to Complete Grant Closeout. The City Council authorizes the Community Development Director, or designee, to complete and submit all required grant closeout documents, reports, certifications, and related materials to the California Department of Housing and Community Development, and to take such administrative actions as are necessary to complete the closeout of Community Development Block Grant Planning Grant No. 22-CDBGPL-20037.

SECTION 4. Effective Date. This Resolution shall take effect immediately upon its adoption.

SECTION 5. Certification. The City Clerk shall certify to the passage and adoption of this Resolution and shall give notice of its adoption as required by law.

PASSED, APPROVED, AND ADOPTED at a regular meeting of the City Council of the City of Lakeport on the ___ day of ______________, 2026, by the following vote:

AYES:

NOES:

ABSTAIN:

ABSENT:
_______________________________
Brandon Disney, Mayor
City of Lakeport Housing Rehabilitation Program Guidelines 1 CITY OF LAKEPORT

SINGLE-FAMILY HOUSING

REHABILITATION

ASSISTANCE PROGRAMS
(HOME, CDBG, CalHome)

PROGRAM DESIGN AND PROCESS

HCD Version August 9, 2024
CalHome Approved (date)
CDBG Approved (date)
HOME Approved (date)
City of Lakeport Housing Rehabilitation Program Guidelines 2 CITY OF LAKEPORT

HOUSING REHABILITATION

PROGRAM GUIDELINES

TABLE OF CONTENTS

1.0. GENERAL

1.1. PROGRAM OUTREACH AND MARKETING

1.2. APPLICATION PROCESS AND SELECTION

1.3. LOAN PROCESS

1.4. CONFLICT OF INTEREST REQUIREMENTS

2.0. APPLICANT QUALIFICATIONS

2.1. INCOME LIMITS

2.2. INCOME QUALIFICATION CRITERIA

2.3. HOMEOWNER ELIGIBILITY & RESIDENCY REQUIREMENTS

3.0. PROPERTY ELIGIBLITY

3.1. CONDITIONS

3.2. ANTI-DISPLACEMENT POLICY AND RELOCATION ASSISTANCE

3.3. NOTIFICATIONS AND DISCLOSURES

3.4. ENVIROMENTAL REVIEW

4.0. THE PROGRAM LOAN

4.1. MAXIMUM AMOUNT OF PROGRAM ASSISTANCE

4.2. AFFORDABILITY PARAMETERS FOR HOMEOWNERS

4.3. RATES AND TERMS

4.4. GRANTS

4.5. APPRAISAL

4.6. INSURANCE

4.7. LOAN SECURITY

5.0. PROGRAM LOAN SERVICING AND MAINTENANCE

5.1. PAYMENTS ARE VOLUNTARY

5.2. RECEIVING LOAN REPAYMENTS

5.3. LOAN SERVICING POLICIES AND PROCEDURES

5.4. LOAN MONITORING PROCEDURES

5.5. DEFAULT AND FORECLOSURE

5.6. SUBORDINATIONS

6.0. CONSTRUCTION

6.1. STANDARDS

6.2. ELIGIBLE CONSTRUCTION COSTS

6.3. ELIGIBLE PROJECT COSTS

6.4. REPAIR CALLBACKS

7.0. EXCEPTIONS AND SPECIAL CIRCUMSTANCES

7.1. AMENDMENTS

7.2. EXCEPTIONS

8.0. DISPUTE RESOLUTION AND APPEALS PROCEDURES

8.1. PROGRAM COMPLAINT AND APPEAL PROCEDURE

8.2. GRIEVANCES BETWEEN PARTICIPANTS AND CONSTRUCTION

CONTRACTOR
City of Lakeport Housing Rehabilitation Program Guidelines 3 HOUSING REHABILITATION

PROGRAM GUIDELINES

ATTACHMENTS TABLE OF CONTENTS
ATTACHMENT A: 24 CFR PART 5 ANNUAL INCOME INCLUSIONS AND EXCLUSIONS – FOR CDBG & HOME
ATTACHMENT A-1: TITLE 25 SECTION 6914 GROSS INCOME INCLUSIONS – FOR

CALHOME
ATTACHMENT B: ANNUAL INCOME NET FAMILY ASSET INCLUSIONS AND EXCLUSIONS – FOR CDBG & HOME
ATTACHMENT B-1: TITLE 25 SECTION 6914 GROSS INCOME EXCLUSIONS – FOR

CALHOME
ATTACHMENT C: HOME HOMEOWNERSHIP VALUE LIMITS; HOME PER-UNIT SUBSIDY LIMITS; CURRENT INCOME LIMITS; BEDROOM &

BATHROOM ADDITION STANDARDS
ATTACHMENT D: MARKETING PLAN
ATTACHMENT E: RESIDENTIAL ANTIDISPLACEMENT AND RELOCATION

ASSISTANCE PLAN
ATTACHMENT F: LOAN SERVICING POLICIES AND PROCEDURES
ATTACHMENT G: FORECLOSURE POLICY
ATTACHMENT H: CERTIFICATION OF OCCUPANCY
ATTACHMENT I: LEAD-BASED PAINT NOTICE OF PRESUMPTION AND HAZARD

REDUCTION FORM
City of Lakeport Housing Rehabilitation Program Guidelines 4 HOUSING REHABILITATION

PROGRAM GUIDELINES
Adopted date

1.0. GENERAL
The above-named entity, hereinafter referred to as the “Sponsor”, has entered into a contractual relationship with the California Department of Housing and Community Development (“HCD”) to administer one or more HCD-funded housing rehabilitation programs. The rehabilitation program described herein and hereinafter referred to as the “Program” is designed to provide assistance to eligible homeowners for correction of health and safety items, as well as code violations, located within the Program’s eligible area, as described in Section 3.0. The Program provides this assistance in the form of deferred payment loans used to finance the cost of necessary repairs that will provide the homeowner with a healthy, safe, sanitary and code compliant home, referred to herein as “housing unit”. The Program will be administered by the sponsor or assigned subrecipient, hereinafter referred to as the “Program Operator”.

1.1. PROGRAM OUTREACH AND MARKETING
All outreach efforts will be done in accordance with state and federal fair lending regulations to assure nondiscriminatory treatment, outreach and access to the Program.

No person shall, on the grounds of age, ancestry, color, creed, physical or mental disability or handicap, marital or familial status, medical condition, national origin, race, religion, gender or sexual orientation, be excluded, denied benefits or subjected to discrimination under the Program. The Sponsor will ensure that all persons, including those qualified individuals with handicaps have access to the Program.

A. The Fair Housing Lender and Accessibility logos will be placed on all outreach materials. Fair housing marketing actions will be based upon a characteristic analysis comparison (census data may be used) of the Program’s eligible area compared to the ethnicity of the population served by the Program (includes, separately, all applications given out and those receiving assistance) and an explanation of any underserved segments of the population. This information is used to show that protected classes (age, gender, ethnicity, race, and disability) are not being excluded from the Program. A Fair Housing Marketing Plan can be found as Attachment D.

Flyers or other outreach materials, in English and any other language that is the primary language of a significant portion of the area residents, will be widely distributed in the Program-eligible area and will be provided to any local social service agencies. The Program may sponsor homeownership education classes to help educate homeowners about credit, budgeting, predatory lending, foreclosure prevention and home maintenance, as well as future responsibilities.

B. Section 504 of the Rehabilitation Act of 1973 prohibits the exclusion of an otherwise qualified individual, solely by reason of disability, from participation under any program receiving Federal funds. The Program Sponsor will take appropriate steps to City of Lakeport Housing Rehabilitation Program Guidelines 5 ensure effective communication with disabled housing applicants, residents and members of the public.

1.2. APPLICATION PROCESS AND SELECTION
A. Waiting List/Homeowner Contact
The Sponsor will utilize a waiting list. In response to a homeowner’s request, the homeowner is placed on the waiting list. Homeowners are offered the opportunity to qualify for assistance by waiting list priority (a first-come, first served basis).

The Program Operator will contact homeowners by mail, emailand/or by telephone to advise of funding availability. The homeowner has 15 days to complete and return the loan application and supporting documentation. Should a homeowner fail to respond to the initial contact for assistance or to provide any of the required documentation within the 15-day period, the homeowner’s name will be removed from the waiting list. If the homeowner desires assistance at a later time, he/she will be placed on the waiting list at that time.

The waiting list will reach capacity at 15 screended and qualified applications at a time. Should the waiting list be exhausted, the Program will be marketed in accordance with the Sponsor’s Marketing Plan. See Attachment D.

B. Application/Interview
An application packet is provided to the homeowner for completion and submittal to the Program Operator, along with supporting documentation. An interview is scheduled with the applicant. The Program is fully explained; application forms and documentation are reviewed. Verifications are obtained for income, assets, employment, benefits, and mortgage. Title report will be obtained upon interview screening and review of documents and appraisal, if required, will be obtained once income verification is finalized.

If the Program Operator encounters material discrepancies and/or misrepresentations, and/or there are income, asset, household composition, or other important questions that can't be resolved, the Sponsor reserves the right to deny assistance to the household. In this case, the applicant may re-apply after six months have elapsed from the time of written assistance denial.

C. Household Selection
Households selected for participation in the Sponsor’s Housing Rehabilitation Program are those determined eligible upon completion of processes described in A. and B. above.

D. Initial Inspection/Work Write-Up/Estimate
Prospective units are inspected by the Program Operator, a certified housing City of Lakeport Housing Rehabilitation Program Guidelines 6 inspector, or a Sponsor representative to determine eligibility and acceptability of properties for participation in the Program.

If the home is a pre-1978 unit, the initial inspection will also include paint testing by a certified Lead-Based Paint (LBP) inspector/assessor or presumption of LBP.

Code deficiencies will be corrected and if presumption is used or lead hazards are found they will be properly treated according to HUD regulations (Section 6.1.E & F) and cleared by a certified LBP inspector/assessor. Note: CalHome-funded projects do not require LBP compliance. CDBG projects shall refer to Chapter 20, Lead-Based Paint Requirements for guidance in the CDBG Grant Management Manual.

Measurements and observations are noted about the property, including special conditions with potential cost consequences (dilapidated outbuildings, absence of curb and gutter when required by code, etc.). A floor plan and site plan, as needed, are drawn for the home and property, including all appurtenances.

Findings are noted on an inspection form, and later used by the Program Operator to prepare the work write-up. Estimated costs are determined by the Program Operator who has years of experience in the building industry, and in reviewing contractor bids and verifying cost with materials suppliers. The homeowner reviews the completed work write-up and cost estimate, and the approved writeup is incorporated into bid documents.

E. Bid Solicitation
A bid walk-through date and time are scheduled. The homeowner may choose to solicit his/her own bids or request that the Program Operator solicit bids on his/her behalf. Invitations to bid are mailed to all eligible contractors on file in efforts to obtain three reasonable bids. Bid results will be provided to participating contractors.

Contractors must be licensed and bonded by the State of California Contractors Licensing Board. Contractors must also provide Program Operator with evidence of Workers’ Compensation Insurance and Comprehensive General Liability and Property Damage Insurance with Combined Single Limits of at least $1,000,000.

Cost reasonableness is determined by comparing the bids received with the cost estimate prepared by the Program Operator. Bids should be within 10% of the Program Operator’s cost estimate, otherwise an explanation must be provided to the file for any bid selected exceeding 10% of the estimate. The homeowner is encouraged to accept the lowest reasonable bid.

The Program Operator determines eligibility of the contractor by contacting the State Contractors License Board and checking the Federal List of Debarred Contractors. The contractor is also required to provide a self-certification stating that he/she is not on the Federal debarred list. Once determined eligible, the contractor is then notified of provisional award of bid (pending loan approval).

City of Lakeport Housing Rehabilitation Program Guidelines 7 Notices of non-award are mailed to participating contractors.

City of Lakeport Housing Rehabilitation Program Guidelines 8 F. Loan Request/Approval
A report and loan request are prepared on behalf of the homeowner by the Program Operator. The loan request includes the cost of construction, a contingency fund, and other project costs (listed in Section 6.3.). Note: For HOME, the project costs listed in Section 6.3 are considered activity delivery costs to be paid by the Sponsor and may not be charged to the homeowner’s loan.

A Loan Review Committee meeting is scheduled to hear the loan request. Section

1.3 provides additional information on the loan approval process. Once approved, loan documents are executed and the loan is funded.

G. Pre-Construction Conference
A pre-construction conference is scheduled with homeowner, contractor, and Program Operator. The Program Operator reviews the Owner-Contractor Construction Contract, including the work write-up, start date, pay schedule, and date of completion, with the homeowner and contractor. The construction contract and Notice to Proceed are executed.

H. Start-Up/Field Inspections
The Program Operator monitors date of start-up and performs field inspections on a regular basis. The Program Operator will visit the job site regularly in order to check the scope of work, inspect materials, and to confirm the job is on schedule and within budget. The Program Operator works with the Sponsor’s Building Inspector to ensure the work meets building codes, while not exceeding funding limits.

The Program Operator reviews the work status with the homeowner and with the contractor in order to remedy any developing problems quickly and to ensure that both are satisfied with the construction process. At the completion of each phase, the Program Operator inspects the work and the homeowner authorizes contractor payments.

The Program Operator will refer back to original plans and specifications to verify the work was completed as contracted.

I. Change Orders
Written change orders are required when the homeowner requests any changes in the write-up, such as eliminating an item completely, eliminating one item and substituting another, or adding items. The change order will state the change and dollar value for the change. The change order must be signed by both the contractor and the homeowner, and submitted to the Program Operator for approval. If the change order exceeds the approved financing, the homeowner will be asked to provide additional funds or a report and request for additional funds may be presented to the Sponsor’s Loan Review Committee for approval prior to Program Operator signing-off on the change order.

City of Lakeport Housing Rehabilitation Program Guidelines 9 J. Progress Payments
Ninety percent (90%) of the contract amount is distributed to the contractor in the form of progress payments during construction. The final ten-percent (10%) of the contract amount is set aside as a retention payment. The contractor requests a progress payment from the homeowner and notifies the Program Operator that he/she has done so. Upon favorable inspection by the homeowner, Program Operator, and Sponsor or Sponsor’s Building Inspector, the payment authorization is signed by the homeowner and submitted for payment.

K. Final Inspections/Notice of Completion/Final Payment When the project is completed, the Program Operator inspects the work item by item with the homeowner, the contractor, and/or the Sponsor. The Sponsor’s Building Inspector performs a final inspection. Any corrections or deficiencies are noted and corrected by the contractor. Upon favorable final inspections, a Notice of Completion is prepared, signed by the homeowner, and then recorded.

The final ten-percent (10%) retention payment is released 35 days after the recording of the Notice of Completion.

1.3. LOAN PROCESS
The Sponsor’s Loan Review Committee must approve all loans and grants. The Loan Review Committee may approve assistance with CDBG financing exceeding 100 percent of after-rehabilitation value as needed in cases where no other financial resources are available to cover the cost of the repairs and where clear and convincing documentation exists, justifying why the exception is needed.

However, if the project is CalHome funded, the total financing cannot be more than 105 percent of the after- rehabilitation value. For HOME-funded loans, the total financing cannot be more than 100 percent of the after-rehabilitation value, unless per HOME Management Memorandum 13-01 at https://www.hcd.ca.gov/grants-funding/grantsmanagement-memos/docs/Memo_13-01_re_grants_for_OOR.doc the entire HOME assistance amount is granted rather than loaned, due to a lack of any equity after rehabilitation, based on existing loans on the property and an after-rehabilitation value appraisal. In addition, the amount of HOME assistance, including Sponsor’s claimed Activity Delivery Costs, cannot exceed the Sponsor’s County HOME Per-Unit Subsidy Limits, and the after-rehabilitation value cannot exceed the HOME Homeownership Value Limits. See Attachment C for current limits and link to HCD Limits webpage.

In order to obtain financing, applicants must meet all property and eligibility guidelines in effect at the time the application is considered. Homeowners will be provided written notification of approval or denial. Any reason for denial will be provided to the applicant in writing.

City of Lakeport Housing Rehabilitation Program Guidelines 10 1.4. CONFLICT OF INTEREST REQUIREMENTS
When the Sponsor’s program contains Federal funds, the applicable Conflict of Interest requirements of 24 CFR section 570.611 shall be followed for CDBG assistance. 24 CFR section 92.356 of the HOME Final Rule shall be followed for HOME assistance, as follows:
(a) Conflicts prohibited. No persons described in paragraph (b) of this section who exercises or has exercised any functions or responsibilities with respect to activities assisted with HOME funds or who are in a position to participate in a decision making process or gain inside information with regard to these activities, may obtain a financial interest or benefit from a HOME-assisted activity, or have a financial interest in any contract, subcontract or agreement with respect to the HOME-assisted activity, or the proceeds from such activity, either for themselves or those with whom they have business or immediate family ties, during their tenure or for one year thereafter. Immediate family ties include (whether by blood, marriage or adoption) the spouse, parent (including stepparent), child (including stepchild), brother, sister (including a stepbrother or stepsister), grandparent, grandchild and in-laws of a covered person. (b) Persons covered. The conflict of interest provisions of paragraph (a) of this section apply to any person who is an employee, agent, consultant, officer, or elected official or appointed official of the participating jurisdiction, State recipient, or subrecipient which are receiving HOME funds.
(c) Exceptions: Threshold requirements. Upon the written request of the participating jurisdiction to HCD, HUD may grant an exception to the provisions of paragraph (a) of this section on a case-by-case basis when it determines that the exception will serve to further the purposes of the HOME Investment Partnerships Program and the effective and efficient administration of the participating jurisdiction's program or project. See 24 CFR section 92.356(d)(1-6) for details on the documentation needed in order to submit an exception request to HUD.

A contractor with a vested interest in the property cannot bid on a rehabilitation job.

Such a contractor may act as owner/builder, subject to standard construction procedures.

Owner/builders are reimbursed for materials purchased which are verified by invoice/receipt and used on the job. Reimbursement occurs after the installation is verified by the Program Operator to be part of the scope of work. Owner/builders are not reimbursed for labor.

2.0. APPLICANT QUALIFICATIONS

2.1. INCOME LIMITS
All homeowners must certify that they meet the household income eligibility requirements for the applicable HCD program(s) and have their household income documented. The income limits in place at the time of loan approval will apply when City of Lakeport Housing Rehabilitation Program Guidelines 11 determining applicant income eligibility. All applicants must have incomes at or below 80% of the County’s area median income (AMI), adjusted for household size, as published by HCD each year. See Attachment C for current limits and link to HCD Limits webpage.

Household: means one or more persons who will occupy a housing unit. Unborn children count in family size determination.

Annual Income: Generally, the gross amount of income of all adult household members that is anticipated to be received during the coming 12-month period.

2.1.1 OWNER-OCCUPIED REQUIREMENTS

Owner-Occupant - to be eligible, household income must be equal to or less than the applicable HCD income limits. Owner will be required to provide income documentation. Refer to Income Inclusions and Exclusions for further guidance to the types of incomes to be included or excluded when calculating gross annual income. See Attachment A for HOME and CDBG. See Attachment A-1 for CalHome. Refer to Asset Inclusions and Exclusions for further guidance to the types of assets to be included or excluded when calculating gross annual income. See Attachment B.

Owner-occupants housing and/or debt ratios are not considered, nor is a credit report required, as the funding provided creates no additional monthly financial obligation. If an owner-occupant has a mortgage, it is verified that all payments are current and that no late payments have been received in the past twelve months.

2.2. INCOME QUALIFICATION CRITERIA
Projected annual gross income of the applicant household will be used to determine whether they are above or below the published HCD income limits. Income qualification criteria for HOME and CDBG, as shown in the most recent HCD program-specific guidance at https://www.hcd.ca.gov/grants-and-funding/income-limits/incomecalculation-and-determination-guide, will be followed to independently determine and certify the household’s annual gross income. Income will be verified by reviewing and documenting tax returns, copies of wage receipts, subsidy checks, bank statements and third-party verification of employment forms sent to employers. All documentation shall be dated within six months prior to loan closing and kept in the applicant file and held in strict confidence.

A. HOUSEHOLD INCOME DEFINITION:

Household income is the annual gross income of all adult household members that is projected to be received during the coming 12-month period, and will be used to determine program eligibility. Refer to Income Inclusions and Exclusions for further guidance to the types of incomes to be included or excluded when calculating gross annual income. For those types of income counted, gross amounts (before any deductions have been taken) are used. Two types of income that are not considered would be income of minors and of live-in aides. Certain City of Lakeport Housing Rehabilitation Program Guidelines 12 other household members living apart from the household also require special consideration. The household’s projected ability to pay must be used, rather than past earnings, when calculating income.

See Attachment A: HOME and CDBG 24 CFR Part 5 Annual Income Inclusions and Exclusions and Attachment A-1: CalHome Title 25 Section 6914 Annual Income inclusions and Exclusions (State)
B. ASSETS:

There is no asset limitation for participation in the Program. Income from assets is, however, recognized as part of annual income under the Part 5 definition. An asset is a cash or non-cash item that can be converted to cash. The value of necessary items such as furniture and automobiles are not included. (Note: it is the income earned – e.g. interest on a savings account – not the asset value, which is counted in annual income.)
An asset’s cash value is the market value less reasonable expenses required to convert the asset to cash, including: Penalties or fees for converting financial holdings and costs for selling real property. The cash value (rather than the market value) of an item is counted as an asset.

See Attachment B: Part 5 Annual Income Net Family Asset Inclusions and Exclusions

2.3. HOMEOWNER ELIGIBILITY AND RESIDENCY REQUIREMENTS
The Sponsor’s Housing Rehabilitation Program allows for owner-occupied properties to participate in the Program. Owner-occupied units must be the owner’s principal place of residence. A photocopy of a recent utility bill will verify proof of occupancy. No unit to be rehabilitated will receive financial assistance if it is currently occupied by an overincome household or does not meet the eligibility standards outlined in these guidelines.

2.3.1 OWNER-OCCUPIED
A. Continued residency is monitored annually per Attachment F for the term of the loan. Occupancy will be verified by the submission of the following:

1. Proof of occupancy in the form of a copy of a current utility bill; and

2. Statement of unit's continued use as primary residence of the owner.

B. In the event that an homeowner sells, transfers title, or discontinues residence in the rehabilitated property for any reason, the loan becomes due and payable, unless the following conditions are met:

City of Lakeport Housing Rehabilitation Program Guidelines 13 The homeowner who received the loan dies and the heir to the property meets income requirements and intends to occupy the home as his/her principal residence. If the heir does not meet applicable eligibility requirements, the loan is due and payable. Note: Loans provided by CalHome are not assumable.

C. If a homeowner converts the property to a rental unit, or any commercial or nonresidential use, the loan is due and payable, unless the loan was funded with CDBG and tenant and homeowner meet eligibility requirements.

If the loan is funded with a CalHome Loan it is not transferable except under the following limited circumstances:
(a) The transfer of the Property to the surviving joint tenant by devise, descent or operation of the law, on the death of a joint tenant;
(b) A transfer of the Property where the spouse becomes an owner of the property;
(c) A transfer of the Property resulting from a decree of dissolution of marriage, legal separation or from an incidental property settlement agreement by which the spouse becomes an owner of the Property; or
(d) A transfer to an inter vivos trust in which the Borrower is and remains the beneficiary and occupant of the property.

3.0. PROPERTY ELIGIBILITY

3.1. CONDITIONS
A. No unit will be eligible if a household’s income exceeds the prescribed income limits listed in Attachment C.

B. Units to be rehabilitated must be located within the incorporated areas of the Sponsor’s jurisdiction.

C. Property must contain a legal residential structure intended for continued residential occupancy.

D. All repair work will meet Local Building Code standards. At a minimum, health and safety hazards must be eliminated. For CDBG the priority will be the elimination of health and safety hazards. Sponsor may also require elimination of code deficiencies. When HOME funds are used for housing rehabilitation, the property must meet all applicable current codes, rehabilitation standards, ordinances, and zoning ordinances at the time of project completion. However, if certain components of the house are sound and were built to code prescribed at the time of installation, no repair or alteration will be made to those components.

City of Lakeport Housing Rehabilitation Program Guidelines 14 Section 8 Housing Quality Standards may be required on rentals by Sponsor when CDBG funds are used.

3.2. ANTI-DISPLACEMENT POLICY AND RELOCATION ASSISTANCE Tenants will be informed of their eligibility for temporary relocation benefits if occupancy during rehabilitation constitutes a danger to health and safety of occupants or public danger or is otherwise undesirable because of the nature of the project. Relocated persons will receive increased housing costs, payment for moving and related expenses and appropriate advisory services, as detailed in the Sponsor's "Residential Antidisplacement and Relocation Assistance Plan" (Attachment E).

Owner-occupants are not eligible for temporary relocation benefits, unless health and safety threats are determined to exist by the Program Operator. In cases where relocation is determined to be necessary by the Sponsor/Program Operator, assistance may be provided for actual costs incurred from the applicant’s loan proceeds or as a grant (see Section 4.4. for allowable grants). HOME-funded projects will provide relocation assistance in the form of a grant, which shall be included in the maximum assistance amount.

Note: Relocation benefits are not a requirement under CalHome, but are acceptable and may be covered by loan proceeds.

3.3. NOTIFICATION AND DISCLOSURES - Not required by CalHome A. Occupants of units constructed prior to 1978 will receive proper notification of Lead-Based Paint (LBP) hazards as follows:

The Lead Hazard Information Pamphlet published by the EPA/HUD/Consumer Product Safety Commission will be given to all owners regardless of the cost of rehabilitation or paint test findings. If lead-based paint is found through testing or if presumed, a Notice of Lead Hazard Evaluation or Presumption will also be supplied.

When Lead hazards are present, a Notice of Lead Hazard Reduction Activity and a Lead Hazard Evaluation Report will also be provided (Attachment I).

3.4. ENVIRONMENTAL REVIEW
The Program Operator must conduct an environmental review in order to comply with 24 CFR section 92.352(a), which requires that the environmental effects of, and upon, each activity carried out with HOME funds be assessed in accordance with the provision of the National Environmental Policy Act of 1969 (NEPA) and the related authorities listed in HUD’s implementing HOME regulations at 24 CFR Part 58.

The Program Operator must use the Categorically Excluded, Subject To 58.5 (“CEST”) format found on the HUD Environmental Review page at
https://www.hudexchange.info/programs/environmental-review/, and Sponsor’s NEPA Certifying Officer must sign the completed certification. Sponsor must also use City of Lakeport Housing Rehabilitation Program Guidelines 15 applicable worksheets at https://www.hudexchange.info/programs/environmentalreview/federal-related-laws-and-authorities/,for each CEST factor.

The Sponsor’s HOME Standard Agreement requires that HOME Program written approval of each project’s environmental review package is received, prior to committing funds to any rehabilitation project. HCD recommends that Program pre-approval of the environmental review package is obtained prior to the NEPA Certifying Officer signature.

The default NEPA Certifying Officer, until and unless delegated by an individual still in that position or by the governing body, is only the mayor, City Manager or City Administrator, County Administrative Officer or equivalent, or the Chair of the Board of Supervisors. NEPA Certifying Officer delegations must contain HUD-required language, and must be separate from other signatory delegations. Required language is available from the HOME Program.

4.0. THE PROGRAM LOAN

4.1. MAXIMUM AMOUNT OF PROGRAM ASSISTANCE
An eligible homeowner may qualify for the full cost of rehabilitation/reconstruction work needed to comply with State and local codes and ordinances. Maximum assistance shall not exceed the Sponsor’s County maximum HOME Per-Unit Subsidy Limits in Attachment C, which has a link to the HCD Limits webpage. For CDBG-funded programs, the maximum assistance for rehabilitation/reconstruction will not exceed $150,000.

4.2. AFFORDABILITY PARAMETERS FOR HOMEOWNERS
A. Total indebtedness against property shall not exceed 100 percent of afterrehabilitation value as determined by “Estimates of value” or an appraisal, for CDBG or HOME projects. An appraisal will be required when the current equity available for the loan is within 10% of the limit for the work completed. An estimate of after- rehab value will be made prior to making a commitment of funds using the method outlined in Section 4.5. Note: This does not apply to CalHome projects.

B. HOME-funded units’ after-rehabilitation values shall not exceed the HOME Homeownership Value Limits for Sponsor’s County as updated by HUD and published on the HCD Website. See Attachment C for current limits, which may reflect temporary waivers not published on the HCD Website, and for a link to the HCD Limits webpage.

C. Total indebtedness against property shall not exceed 105 percent of the after- rehabilitation value as determined by an appraisal for CalHome projects. An estimate of After-Rehab Value will be made prior to making a commitment of funds using the method outlined in Section 4.5. Note: This does not apply to HOME or CDBG projects.

D. Costs may be supplemented with personal financing, or with other loan or grant programs, which are sources of leverage for the Sponsor.

City of Lakeport Housing Rehabilitation Program Guidelines 16 E. Any bid within 10% of the Program Operator’s estimate may be selected, otherwise an explanation must be provided to the file for a bid selected exceeding 10% of the estimate.

4.3. RATES AND TERMS

4.3.1. OWNER-OCCUPANTS
A. Homeowners are eligible for Deferred Payment Loans (DPL), at zero interest, evidenced by a Promissory Note and secured by a Deed of Trust, with no payback required for 40 years unless the borrower sells or transfers title. Payments may be made voluntarily on a DPL. Note: If it is determined by the Sponsor that repayment of a CalHome or CDBG Program loan at the maturity date causes a hardship to the homeowner, the Sponsor may opt the following:

1. Amend the note and deed of trust to defer repayment of the amount due at maturity, that is balance of the original principal plus the accrued interest, for up to an additional 30 years (at 0% additional interest). This may be offered one time;

2. Convert the debt at loan maturity; that is the balance of the original principal plus any accrued interest, to an amortized loan, repayable in 15 years at 0% additional interest.

B. If the homeowner dies, and if the heir(s) to the property live(s) in the house and is/are income eligible, the heir(s) may be permitted, upon approval of the Sponsor, to assume the loan at the rate and terms the heir(s) qualifies for under current participation guidelines. Note: CalHome loans are not assumable.

C. If the homeowner dies and the heir(s) is/are not income eligible, the loan becomes all due and payable.

D. If a homeowner converts the rehabilitated property to any commercial or nonresidential use, the loan becomes all due and payable.

E. As specified in the Rehabilitation Loan Agreement, all applicants who participate in the Program must maintain the property at post-rehabilitation conditions for the term of the loan. Should the property not be maintained accordingly, the loan shall be considered in default and becomes all due and payable, and if necessary, foreclosure proceedings will be initiated. A method of inspection will be established by the Sponsor.

City of Lakeport Housing Rehabilitation Program Guidelines 17 4.4. GRANTS
A. CDBG-funded programs may provide grants as follows:

1. A grant of up to $30,000 is available for any of the following qualifying factors:
(a) Senior Citizen - at least 62 years old;
(b) Handicapped – for only handicap modifications to a house with one or more physically handicapped occupants who would function more independently if such modifications were installed;
(c) Lowest Targeted Income Group – with gross annual income less than 50 percent of County median income;
(d) Equity maintenance – if financing rehabilitation entirely with a loan would cause indebtedness to exceed 100% of after-rehabilitation value; (e) Curb, gutter and sidewalk – when curb, gutter and/or sidewalk are required by City code;
(f) Building permit, school fees, appraisals, property report/title insurance, building permits, termite report, land survey, grading plans, recording fees and/or flood insurance, sidewalk funding requirements; (g) Emergencies – failure of a major household component that would require the participant to live without basic plumbing, electrical, heating, cooling, or security. (These funds are not for use during a normal rehabilitation, they are for true emergency situations, such as a failed sewer line or water heater, blown electrical panel, etc.)

2. Grants of up to 50% with a maximum of $20,000 are available for Fire Sprinkler installation and associated costs – for reconstruction projects, as required by CCR, Title 24, Part 2.5 of the 2010 California Residential Code.

3. Grants of up to $10,000 are available for Asbestos containment and/or removal.

B. HOME and CDBG provide grants for all actual costs of lead-based paint evaluation and reduction activities.

C. HOME and CDBG provide grants for relocation assistance. See Relocation Assistance Plan, Attachment E.

1. Owner-Occupant – Limit of $10,000.

D. HOME-funded projects include grants, if necessary, to cover the costs of financing in excess of available equity. Available equity will be determined by subtracting the current total indebtedness from the after-rehabilitation value. Grants provided may be up to 305 percent of the applicable HUD Per-Unit Subsidy Limits established pursuant to 24 CFR section 92.250(a). This grant amount is in addition to any grant funds provided pursuant to Section 4.4.B. and 4.4.C.

E. Grants are not available in CalHome-funded programs.

City of Lakeport Housing Rehabilitation Program Guidelines 18 4.5. APPRAISAL
A. The After-Rehab Value for rehabilitation projects is determined using the “Estimates of value” method. The Sponsor or Program Operator determines estimates of value based on the sale prices of at least three (3) comparable properties, sold within the last six months (within one year of the assistance date, which is the date the promissory note is signed), and located within one mile of the subject property. The participants’ file will include the estimate of value and document the basis for the value estimates.

The purpose of the “Estimates of value” is to determine that the After-Rehabilitation Value Limit of the housing unit will not exceed the permitted amount per HCD Program regulations (See Attachment C). If three comparable properties cannot be found, or if there is any question regarding the After-Rehab Value, the ARV will be determined by a licensed appraiser, as described in Section 4.5.B. below.

B. A licensed appraiser determines the After-Rehab Value for rehabilitation projects, when the “Estimates of value” method cannot be used. For rehabilitation projects the appraiser determines the value of the unit with the rehabilitation building plans and specifications included. For HOME only, the cost of the appraisal will be paid by the Sponsor, not by the homeowner. The purpose of the appraisal is to determine that the after-rehabilitation value of the housing unit will not exceed the permitted amount per HCD Program regulations (See Attachment C), and that the combined loans will not exceed the maximum combined loan-to-value limit, as described in Section 4.2.A above.

C. The After-Rehab Value for reconstruction projects is determined by a licensed appraiser. The After-Rehab Value for reconstruction projects is determined by an appraisal completed off the building plans and specifications for the new home. For HOME only, the cost of the appraisal will be paid by the Sponsor, not by the homeowner. The purpose of the appraisal is to determine that the AfterRehabilitation Value Limit of the housing unit will not exceed the permitted amount per HCD Program regulations (See Attachment C).

4.6. INSURANCE

4.6.1. HAZARD INSURANCE
The homeowner shall maintain hazard insurance on the property for the duration of the Program loan(s). This insurance must be an amount adequate to cover all encumbrances on the property. The insurer must identify the Sponsor as Loss Payee for the amount of the Program loan(s). Evidence of this shall be provided to the Sponsor.

In the event the applicant fails to make the hazard insurance premium payments in a timely fashion, the Sponsor at its option, may make such payments for a period not to exceed 60 days. The Sponsor may, in its discretion and upon the showing of special circumstances, make such premium payments for a longer period of time. Should the Sponsor make any payments, it may, in its sole discretion, add such payments to the principal amount that the applicant is obligated to repay the Sponsor under this Program.

The premium may be paid by the Program loan for one year. Note: HOME and CDBG City of Lakeport Housing Rehabilitation Program Guidelines 19 funds cannot be used to pay insurance cost beyond those identified as initial loan costs. Note: CalHome funds can not be used to pay insurance at any time.

4.6.2. FLOOD INSURANCE
For homes in a 100-year flood zone, the owner is required to maintain flood insurance in an amount adequate to secure the Program loan and all other encumbrances. This policy must designate the Sponsor as Loss Payee and a binder shall be provided to the Sponsor and maintained in the borrowers file. The premium may be paid by the Program loan for one year. Note: HOME funds cannot be used to pay insurance cost beyond those identified as initial loan costs. Note: CalHome funds can not be used to pay insurance at any time.

4.7. LOAN SECURITY
A. Loan security for all owner-occupied rehabilitation stick-built homes will be secured by the real property and improvements, and will also include a Deed of Trust, Promissory Note and Loan Agreement in favor of the Sponsor.

B. A manufactured home in a mobile home park or on leased land that is not on a permanent foundation will be secured by an HCD 480.7 or an HCD 484 Statement of Lien, and will also include a Promissory Note and Loan Agreement.

C. Entering a subordinate lien is acceptable. However, the Sponsor will not subordinate a first lien position once established.

5.0. PROGRAM LOAN SERVICNG AND MAINTENANCE

5.1. PAYMENTS ARE VOLUNTARY
Borrowers may begin making voluntary payments at any time.

5.2. RECEIVING LOAN REPAYMENTS
A. Program loan payments will be made to:

City of Lakeport
Attn: Finance Department
255 Park Street
Lakeport, CA 95453
B. The Sponsor will be the receiver of loan payments or recapture funds and will maintain a financial record-keeping system to record payments and file statements on payment status. Payments shall be deposited and accounted for in the Sponsor’s appropriate Program Income Account, as required by all three HCD programs. The Program Sponsor will accept loan payments from borrowers prepaying deferred loans and from borrowers making payments in full upon sale or transfer of the property. All loan payments are payable to the Sponsor. The City of Lakeport Housing Rehabilitation Program Guidelines 20 Sponsor may at its discretion, enter into an agreement with a third party to collect and distribute payments and/or complete all loan servicing aspects of the Program.

5.3. LOAN SERVICING POLICIES AND PROCEDURES
See Attachment F for local loan servicing policies and procedures. While the attached policy outlines a system that can accommodate a crisis that restricts borrower repayment ability, it should in no way be misunderstood: The loan must be repaid. All legal means to ensure the repayment of a delinquent loan as outlined in the Loan Servicing Policies and Procedures will be pursued.

5.4. LOAN MONITORING PROCEDURES
Homeowners will be required to submit each of the following to the Sponsor at the time of annual occupancy verification per Attachment F:
• Proof of occupancy in the form of a copy of a current utility bill; • Statement of unit's continued use as a residence;
• Declaration that other title holders do not reside on the premises; • Verification that Property Taxes are current; and
• Verification of current required insurance policies.

5.5. DEFAULT AND FORECLOSURE
If an owner defaults on a loan, and foreclosure procedures are instituted, they shall be carried out according to the Program Foreclosure Policy adopted by the Sponsor, and attached to these guidelines as Attachment G.

5.6. SUBORDINATIONS
The Sponsor may approve a request to subordinate a loan, in order for the owner to refinance the property, under the following conditions:

A. The lien position of the Sponsor loan will remain the same or be advanced.

B. The new primary loan is no greater than the balance of the loan being refinanced, except the costs of refinancing the loan may be added to the principal balance.

C. The purpose of the new primary loan is to reduce the interest rate being paid and/or reduce the owner's payment.

D. The refinanced loan must have an impound account for taxes and insurance.

E. The refinancing terms must be acceptable to the Sponsor.

City of Lakeport Housing Rehabilitation Program Guidelines 21 F. CDBG allows refinancing with CDBG funds in conjunction with only rehabilitation of the unit.

City of Lakeport Housing Rehabilitation Program Guidelines 22 6.0. CONSTRUCTION

6.1. STANDARDS
A. All repair work will meet Local Building Code standards. At a minimum, health and safety hazards must be eliminated. For CDBG the priority will be the elimination of health and safety hazards. Sponsor may also require elimination of code deficiencies. When HOME funds are used for housing rehabilitation, the property must meet all applicable current codes, rehabilitation standards, ordinances, and zoning ordinances at the time of project completion. However, if certain components of the house are sound and were built to code prescribed at the time of installation, no repair or alteration will be made to those components.

Section 8 Housing Quality Standards may be required on rentals by Sponsor when CDBG funds are used.

B. Contracting Process

1. Contracting will be done on a competitive basis.

2. The homeowner will be the responsible agent, but the Sponsor and/or its Program Operator will prepare the work write-up, prepare and advertise the bid package, and assist the owner in negotiating the construction contract.

3. The Sponsor does not warrant any construction work, or provide insurance coverage.

C. Approved Contractors

1. Contractors are required to be licensed with the State of California, and be active and in good standing with the Contractors’ License Board.

2. Contractors will be checked against HUD’s list of federally debarred contractors. No award will be granted to a contractor on this list.

3. Contractors must have public liability and property damage insurance, and worker’s compensation, unemployment and disability insurance, to the extent required by State law.

4. Contractor must agree to comply with all federal and state regulations.

D. Occupants of units constructed prior to 1978 will receive proper notification of Lead-Based Paint (LBP) hazards as identified in Section 3.3.A. Note: Units funded solely with CalHome funds are not required to comply with LBP regulations.

E. Units constructed prior to 1978 will also be inspected according to the following HUD regulations. Note: Units funded solely with CalHome funds are not required to comply with LBP regulations. For CDBG funded programs please refer to Chapter 20, Lead-Based Paint Requirements for guidance in the CDBG Grant Management Manual.

1. If the total amount of Federal assistance or the total amount of rehabilitation hard City of Lakeport Housing Rehabilitation Program Guidelines 23 cost is up to and including $5,000, the following is required:
(a) Paint testing or presume LBP;
(b) Clearance of disturbed work areas; and
(c) Notifications listed in Section 3.3.A.

2. If the amount of Federal assistance or the total amount of rehabilitation hard cost is more than $5,000 up to and including $25,000, the following is required:
(a) Paint testing or presume LBP;
(b) Risk assessment; and
(c) Clearance of unit.

If LBP hazards are identified, interim controls will be implemented. This level will also require a notice of “Abatement of Lead Hazards Notification” at least five days prior to starting work.

3. If the amount of Federal assistance or the total amount of rehabilitation hard cost is more that $25,000, the following is required:
(a) Items (a), (b), and (c) of 2. above;
(b) Abatement of all LBP hazards identified or produced; (c) Use of interim controls on exterior surfaces not disrupted by rehab; and all notices listed above in Sections 3.3.A. and 6.1.F.2.

4. All paint tests that result in a negative finding of lead-based paint are exempt from any and all additional requirements. If defective paint surfaces are found, they will be properly treated or abated. A State-certified Inspector/Assessor will perform all paint testing, risk assessments, and clearances. A trained supervisor may oversee interim controls; however, a certified supervisor and workers will perform all abatement.

6.2. ELIGIBLE CONSTRUCTION COSTS
“Rehabilitation” means, in addition to the definition in Section 50096 of the Health and Safety Code, repairs and improvements to a manufactured home necessary to correct any condition causing the home to be substandard pursuant to Section 1704 of Title 25, California Code of Regulations. Rehabilitation also includes room additions to alleviate overcrowding. Rehabilitation also means repairs and improvements where necessary to meet any locally-adopted standards used in local rehabilitation programs. Rehabilitation does not include replacement of personal property.

Rehabilitation includes reconstruction. Federal law and policy allows the use of HOME funds to demolish and reconstruct owner-occupied residential structures. Reconstruction is defined as the demolition and construction of a structure. The Sponsor and/or Program Operator must document that the reconstruction costs are less than the cost to rehabilitate the existing substandard housing. This will be done using the State’s CDBG Test for Reconstruction, for projects funded with CDBG funds; or, using the State’s HOME Test for Reconstruction, for projects funded with HOME funds.

City of Lakeport Housing Rehabilitation Program Guidelines 24 Additionally, the Sponsor must determine that the project’s value after reconstruction (housing and land combined) is less that the HOME Homeownership Value Limits for Newly-Constructed housing, in the Sponsor’s jurisdiction (see Attachment C).

The residential structure to be reconstructed must be a structure with cooking, eating, sleeping, and sanitation facilities which has been legally occupied as a residence within the preceding 12 months. Fifth wheels or recreational vehicles, for example, are not considered dwellings and therefore are not eligible under this Program. Mobilehome units built 1980 or before are not allowed in the program for rehabilitation.

Like for like requires that the structure being demolished must be replaced with a like structure (replace manufactured housing with manufactured housing, for example).

However, additions may be approved by the HCD Program when required by Codes/Ordinances or to alleviate overcrowding (see Attachment C). 1980 and before mobilehome units are eligible for replacement if the unit qualifies per the program.

Temporary relocation benefits must be planned for and budgeted into the total allowable subsidy for the project, but if required would be in the form of a grant.

Depending on the outcome of the federal environmental review, a reconstructed project may require Authority from the State before funds are committed to the project. See Environmental Section 3.4.

Allowable rehabilitation\reconstruction costs include:

A. Cost of building permits and other related government fees.

B. Cost of architectural, engineering, and other consultant services which are directly related to the rehabilitation of the property.

C. Rehabilitation or Replacement of a manufactured home not on a permanent foundation. Rehabilitation of a manufactured home may include the replacement of the unit with a used manufactured home and the cost to repair it, as long as the unit has been occupied and not used as a demonstration model. Should the unit meet the criteria for reconstruction a new manufactured home can be used for replacement and all cost associated with the purchase and transportation can be added to the loan.

D. Owner-occupied rehabilitation activity delivery fees, pursuant to Section 7733(f), as reimbursement to the Sponsor for the actual costs of services rendered to the homeowner that are incidentally but directly related to the rehabilitation work (e.g. planning, engineering, construction management, including inspections and work write-ups).

E. Rehabilitation will address the following issues in the order listed. Eligible costs are included for each item.

City of Lakeport Housing Rehabilitation Program Guidelines 25 1. Health and Safety Issues
Eligible costs include, but are not limited to, energy-related improvements, lead-based paint hazard evaluation and reduction activities, improvements for handicapped accessibility, and repair or replacement of major housing systems.

Per the federal HOME Regulations at 24 CFR section 92.251(b), Major Systems are:
 structural support
 roofing
 cladding and weatherproofing (e.g., windows, doors, siding, gutters)  plumbing
 electrical
 heating, ventilation, and air conditioning.

Upon project completion, each of the major systems must have a remaining useful life for a minimum of five (5) years, so these systems must be rehabilitated or replaced as part of the rehabilitation work in order to achieve this requirement.

A driveway may be considered part of rehabilitation if it is determined to be a health and safety issue.

2. Code and Regulation Compliance
Eligible costs include, but are not limited to, additional work required to rehabilitate and modernize a home to bring it into compliance with current building codes and regulations. Painting and weatherization are included.

3. Demolition
Eligible costs include, but are not limited to, the tear down and disposal of dilapidated structures when they are a part of the reconstruction of an affordable housing unit. If a garage or carport is detached, it may not be rehabilitated but may be demolished, if it is determined to be a health and safety issue.

4. Upgrades (based on overcrowding)
Eligible costs include additional bedrooms and bathrooms if the need can be demonstrated per HUD’s or Sponsor’s overcrowding guidelines listed in Attachment C. The Program will not fund additions to a home for a den or family room, or for any luxury items.

The CalHome Program’s requirement is that a bedroom or bathroom can be City of Lakeport Housing Rehabilitation Program Guidelines 26 added to omit overcrowding, and this is up to the Recipient to decide what is overcrowding.

5. General Property Improvements
Eligible costs include, but are not limited to: addition or replacement of an oven, stove, dishwasher, or fixture; replacing floor coverings; painting; and repair or installation of fencing. This may also include fire safe and WUI code requirements; sidewalk repairs; driveway and property access excluding any required ADA compliance requirements; and others as outlined by the project scope and approval by the loan committee.

All improvements must be physically attached to the property and permanent in nature. Non-code general property improvements (including fencing, landscaping, driveway, etc.) will be limited to 20 percent of the rehabilitation loan amount. Any cash contribution by the property owner will be considered a general property improvement and be included in this percentage. Luxury items are not permitted. Items such as stoves and dishwashers that are not built-in may be replaced due only to incipient failure or documented medical condition of the homeowner, and must be of moderate quality.

6. Rehabilitation Standards
All repair work related to health and safety conditions will meet Local Building Code standards. The priority will be the elimination of all health and safety hazards and code compliance, which is required for HOME-funded projects.

6.3. ELIGIBLE PROJECT COSTS
Examples of eligible project costs for all administrative expenses related to the paperwork for processing and insuring a loan application are listed below. For HOME, these costs are considered activity delivery costs and may not be charged to the homeowner’s loan.
• Appraisal
• Property Report/Title Insurance
• Building Plan
• Termite Report
• Land Survey
• Grading Plan
• Recording Fees
• Hazard/Course of Construction Insurance
• Flood Insurance, as applicable (not allowed with CalHome or HOME funds)
City of Lakeport Housing Rehabilitation Program Guidelines 27 Costs are based on charges currently incurred by the Sponsor, or its Program Operator, for these products and/or services. Except for HOME loans, any cost increases charged to the Sponsor/Program Operator for these products and/or services will be passed on to the homeowner and included in the loan. All fees are subject to change and are driven by the market.

6.4. REPAIR CALLBACKS
Contractors will comply with State law regarding all labor and material warranties. All labor and material shall meet FHA minimum specifications.

ADD Section 3 requirements

7.0. EXCEPTIONS AND SPECIAL CIRCUMSTANCES

7.1. AMENDMENTS
The Sponsor may make amendments to these Participant Guidelines. Any changes made shall be in accordance with federal and state regulations, shall be approved by the Sponsor’s Loan Committee and/or local governing body and submitted to HCD for approval.

7.2. EXCEPTIONS
Any case to which a standard policy or procedure, as stated in the guidelines, does not apply or an applicant treated differently from others of the same class would be an exception.

7.2.1 PROCEDURES FOR EXCEPTIONAL CIRCUMSTANCES
A. The Sponsor or its Program Operator may initiate consideration of an exception and prepare a report. This report shall contain a narrative, including the Sponsor’s/Program Operator’s recommended course of action and any written or verbal information supplied by the applicant.

B. The Sponsor shall make a determination of the exception based on the recommendation of the Program Operator. The request can be presented to the Sponsor’s loan committee and/or governing body for decision.

8.0. DISPUTE RESOLUTION AND APPEALS PROCEDURES

8.1. PROGRAM COMPLAINT AND APPEAL PROCEDURE
Complaints concerning the Sponsor’s Rehabilitation Program should be made to the Program Operator first. If unresolved in this manner, the complaint or appeal shall be made in writing and filed with the Sponsor. The Sponsor will then schedule a meeting City of Lakeport Housing Rehabilitation Program Guidelines 28 with the Sponsor’s Loan Review Committee. Their written response will be made within thirty (30) working days. If the applicant is not satisfied with the committee's decision, a request for an appeal may be filed with the local governing body. Final appeal may be filed in writing with HCD within one year after denial or the filing of the Project Notice of Completion.

8.2. GRIEVANCES BETWEEN PARTICIPANTS AND CONSTRUCTION

CONTRACTOR
Contracts signed by the contractor and the participant include the following clause, which provides a procedure for resolution of grievances:

Any controversy arising out of or relating to this Contract, or the breach thereof, shall be submitted to binding arbitration in accordance with the provisions of the California Arbitration Law, Code of Civil Procedure 1280 et seq., and the Rules of the American Arbitration Association. The arbitrator shall have the final authority to order work performed, to order the payment from one party to another, and to order who shall bear the costs of arbitration. Costs to initiate arbitration shall be paid by the party seeking arbitration. Notwithstanding, the party prevailing in any arbitration proceeding shall be entitled to recover from the other all attorney's fees and costs of arbitration.

City of Lakeport Housing Rehabilitation Program Guidelines 29 ATTACHMENT A

INCOME INCLUSIONS AND EXCLUSIONS
24 CFR Part 5 Annual Income Inclusions and Exclusions

5.609 Annual income.
(a) Annual income includes, with respect to the family:
(1) All amounts, not specifically excluded in paragraph (b) of this section, received from all sources by each member of the family who is 18 years of age or older or is the head of household or spouse of the head of household, plus unearned income by or on behalf of each dependent who is under 18 years of age, and (2) When the value of net family assets exceeds $50,000 (which amount HUD will adjust annually in accordance with the Consumer Price Index for Urban Wage Earners and Clerical Workers) and the actual returns from a given asset cannot be calculated, imputed returns on the asset based on the current passbook savings rate, as determined by HUD.
(b) Annual income does not include the following:
(1) Any imputed return on an asset when net family assets total $50,000 or less (which amount HUD will adjust annually in accordance with the Consumer Price Index for Urban Wage Earners and Clerical Workers) and no actual income from the net family assets can be determined.
(2) The following types of trust distributions:
(i) For an irrevocable trust or a revocable trust outside the control of the family or household excluded from the definition of net family assets under § 5.603(b):
(A) Distributions of the principal or corpus of the trust; and (B) Distributions of income from the trust when the distributions are used to pay the costs of health and medical care expenses for a minor. (ii) For a revocable trust under the control of the family or household, any distributions from the trust; except that any actual income earned by the trust, regardless of whether it is distributed, shall be considered income to the family at the time it is received by the trust.
(3) Earned income of children under the 18 years of age. (4) Payments received for the care of foster children or foster adults, or State or Tribal kinship or guardianship care payments.

City of Lakeport Housing Rehabilitation Program Guidelines 30 (5) Insurance payments and settlements for personal or property losses, including but not limited to payments through health insurance, motor vehicle insurance, and workers' compensation.
(6) Amounts received by the family that are specifically for, or in reimbursement of, the cost of health and medical care expenses for any family member. (7) Any amounts recovered in any civil action or settlement based on a claim of malpractice, negligence, or other breach of duty owed to a family member arising out of law, that resulted in a member of the family becoming disabled. (8) Income of a live-in aide, foster child, or foster adult as defined in §§ 5.403 and

5.603, respectively.
(9)
(i) Any assistance that section 479B of the Higher Education Act of 1965, as amended (20 U.S.C. 1087uu), requires be excluded from a family's income; and (ii) Student financial assistance for tuition, books, and supplies (including supplies and equipment to support students with learning disabilities or other disabilities), room and board, and other fees required and charged to a student by an institution of higher education (as defined under Section 102 of the Higher Education Act of 1965 (20 U.S.C. 1002)) and, for a student who is not the head of household or spouse, the reasonable and actual costs of housing while attending the institution of higher education and not residing in an assisted unit. (A) Student financial assistance, for purposes of this paragraph (9)(ii), means a grant or scholarship received from—
(1) The Federal government;
(2) A State, Tribe, or local government;
(3) A private foundation registered as a nonprofit under 26 U.S.C. 501(c)(3); (4) A business entity (such as corporation, general partnership, limited liability company, limited partnership, joint venture, business trust, public benefit corporation, or nonprofit entity); or
(5) An institution of higher education.
(B) Student financial assistance, for purposes of this paragraph (9)(ii), does not include—
(1) Any assistance that is excluded pursuant to paragraph (b)(9)(i) of this section;
City of Lakeport Housing Rehabilitation Program Guidelines 31 (2) Financial support provided to the student in the form of a fee for services performed (e.g., a work study or teaching fellowship that is not excluded pursuant to paragraph (b)(9)(i) of this section);
(3) Gifts, including gifts from family or friends; or
(4) Any amount of the scholarship or grant that, either by itself or in combination with assistance excluded under this paragraph or paragraph (b)(9)(i), exceeds the actual covered costs of the student. The actual covered costs of the student are the actual costs of tuition, books and supplies (including supplies and equipment to support students with learning disabilities or other disabilities), room and board, or other fees required and charged to a student by the education institution, and, for a student who is not the head of household or spouse, the reasonable and actual costs of housing while attending the institution of higher education and not residing in an assisted unit. This calculation is described further in paragraph (b)(9)(ii)(E) of this section. (C) Student financial assistance, for purposes of this paragraph (b)(9)(ii) must be:
(1) Expressly for tuition, books, room and board, or other fees required and charged to a student by the education institution;
(2) Expressly to assist a student with the costs of higher education; or (3) Expressly to assist a student who is not the head of household or spouse with the reasonable and actual costs of housing while attending the education institution and not residing in an assisted unit.
(D) Student financial assistance, for purposes of this paragraph (b)(9)(ii), may be paid directly to the student or to the educational institution on the student's behalf. Student financial assistance paid to the student must be verified by the responsible entity as student financial assistance consistent with this paragraph (b)(9)(ii).
(E) When the student is also receiving assistance excluded under paragraph (b)(9)(i) of this section, the amount of student financial assistance under this paragraph (b)(9)(ii) is determined as follows:
(1) If the amount of assistance excluded under paragraph (b)(9)(i) of this section is equal to or exceeds the actual covered costs under paragraph (b)(9)(ii)(B)(4) of this section, none of the assistance described in this paragraph (b)(9)(ii) of this section is considered student financial assistance excluded from income under this paragraph (b)(9)(ii)(E). (2) If the amount of assistance excluded under paragraph (b)(9)(i) of this section is less than the actual covered costs under paragraph (b)(9)(ii)(B)(4) of this section, the amount of assistance described in paragraph (b)(9)(ii) of this City of Lakeport Housing Rehabilitation Program Guidelines 32 section that is considered student financial assistance excluded under this paragraph is the lower of:
(i) the total amount of student financial assistance received under this paragraph (b)(9)(ii) of this section, or
(ii) the amount by which the actual covered costs under paragraph (b)(9)(ii)(B)(4) of this section exceeds the assistance excluded under paragraph (b)(9)(i) of this section.
(10) Income and distributions from any Coverdell education savings account under section 530 of the Internal Revenue Code of 1986 or any qualified tuition program under section 529 of such Code; and income earned by government contributions to, and distributions from, “baby bond” accounts created, authorized, or funded by Federal, State, or local government.
(11) The special pay to a family member serving in the Armed Forces who is exposed to hostile fire.
(12)
(i) Amounts received by a person with a disability that are disregarded for a limited time for purposes of Supplemental Security Income eligibility and benefits because they are set aside for use under a Plan to Attain Self-Sufficiency (PASS); (ii) Amounts received by a participant in other publicly assisted programs which are specifically for or in reimbursement of out-of-pocket expenses incurred (e.g., special equipment, clothing, transportation, child care, etc.) and which are made solely to allow participation in a specific program;
(iii) Amounts received under a resident service stipend not to exceed $200 per month. A resident service stipend is a modest amount received by a resident for performing a service for the PHA or owner, on a part-time basis, that enhances the quality of life in the development.
(iv) Incremental earnings and benefits resulting to any family member from participation in training programs funded by HUD or in qualifying Federal, State, Tribal, or local employment training programs (including training programs not affiliated with a local government) and training of a family member as resident management staff. Amounts excluded by this provision must be received under employment training programs with clearly defined goals and objectives and are excluded only for the period during which the family member participates in the employment training program unless those amounts are excluded under paragraph (b)(9)(i) of this section.
(13) Reparation payments paid by a foreign government pursuant to claims filed under the laws of that government by persons who were persecuted during the Nazi era.

City of Lakeport Housing Rehabilitation Program Guidelines 33 (14) Earned income of dependent full-time students in excess of the amount of the deduction for a dependent in § 5.611.
(15) Adoption assistance payments for a child in excess of the amount of the deduction for a dependent in § 5.611.
(16) Deferred periodic amounts from Supplemental Security Income and Social Security benefits that are received in a lump sum amount or in prospective monthly amounts, or any deferred Department of Veterans Affairs disability benefits that are received in a lump sum amount or in prospective monthly amounts. (17) Payments related to aid and attendance under 38 U.S.C. 1521 to veterans in need of regular aid and attendance.
(18) Amounts received by the family in the form of refunds or rebates under State or local law for property taxes paid on the dwelling unit. (19) Payments made by or authorized by a State Medicaid agency (including through a managed care entity) or other State or Federal agency to a family to enable a family member who has a disability to reside in the family's assisted unit.

Authorized payments may include payments to a member of the assisted family through the State Medicaid agency (including through a managed care entity) or other State or Federal agency for caregiving services the family member provides to enable a family member who has a disability to reside in the family's assisted unit. (20) Loan proceeds (the net amount disbursed by a lender to or on behalf of a borrower, under the terms of a loan agreement) received by the family or a third party (e.g., proceeds received by the family from a private loan to enable attendance at an educational institution or to finance the purchase of a car). (21) Payments received by Tribal members as a result of claims relating to the mismanagement of assets held in trust by the United States, to the extent such payments are also excluded from gross income under the Internal Revenue Code or other Federal law.
(22) Amounts that HUD is required by Federal statute to exclude from consideration as income for purposes of determining eligibility or benefits under a category of assistance programs that includes assistance under any program to which the exclusions set forth in paragraph (b) of this section apply. HUD will publish a notice in the Federal Register to identify the benefits that qualify for this exclusion. Updates will be published when necessary.
(23) Replacement housing “gap” payments made in accordance with 49 CFR part 24 that offset increased out of pocket costs of displaced persons that move from one federally subsidized housing unit to another Federally subsidized housing unit. Such replacement housing “gap” payments are not excluded from annual income if the increased cost of rent and utilities is subsequently reduced or eliminated, and the City of Lakeport Housing Rehabilitation Program Guidelines 34 displaced person retains or continues to receive the replacement housing “gap” payments.
(24) Nonrecurring income, which is income that will not be repeated in the coming year based on information provided by the family. Income received as an independent contractor, day laborer, or seasonal worker is not excluded from income under this paragraph, even if the source, date, or amount of the income varies. Nonrecurring income includes:
(i) Payments from the U.S. Census Bureau for employment (relating to decennial census or the American Community Survey) lasting no longer than 180 days and not culminating in permanent employment.
(ii) Direct Federal or State payments intended for economic stimulus or recovery. (iii) Amounts directly received by the family as a result of State refundable tax credits or State tax refunds at the time they are received. (iv) Amounts directly received by the family as a result of Federal refundable tax credits and Federal tax refunds at the time they are received. (v) Gifts for holidays, birthdays, or other significant life events or milestones (e.g., wedding gifts, baby showers, anniversaries).
(vi) Non-monetary, in-kind donations, such as food, clothing, or toiletries, received from a food bank or similar organization.
(vii) Lump-sum additions to net family assets, including but not limited to lottery or other contest winnings.
(25) Civil rights settlements or judgments, including settlements or judgments for back pay.
(26) Income received from any account under a retirement plan recognized as such by the Internal Revenue Service, including individual retirement arrangements (IRAs), employer retirement plans, and retirement plans for self-employed individuals; except that any distribution of periodic payments from such accounts shall be income at the time they are received by the family. (27) Income earned on amounts placed in a family's Family Self Sufficiency Account. (28) Gross income a family member receives through self-employment or operation of a business; except that the following shall be considered income to a family member:
(i) Net income from the operation of a business or profession. Expenditures for business expansion or amortization of capital indebtedness shall not be used as deductions in determining net income. An allowance for depreciation of assets City of Lakeport Housing Rehabilitation Program Guidelines 35 used in a business or profession may be deducted, based on straight line depreciation, as provided in Internal Revenue Service regulations; and (ii) Any withdrawal of cash or assets from the operation of a business or profession will be included in income, except to the extent the withdrawal is reimbursement of cash or assets invested in the operation by the family. [88 FR 9657, Feb. 14, 2023]
City of Lakeport Housing Rehabilitation Program Guidelines 36 ATTACHMENT A-1
Title 25 Section 6914 Gross Income Inclusions – For CalHome activities “Gross income” shall mean the anticipated income of a person or family for the twelve-month period following the date of determination of income.
“Income” shall consist of the following:
(a) Except as provided in subdivision (b), “Exclusions”, all payments from all sources received by the family head (even if temporarily absent) and each additional member of the family household who is not a minor shall be included in the annual income of a family. Income shall include, but not be limited to:
(1) The gross amount, before any payroll deductions, of wages and salaries, overtime pay, commissions, fees, tips and bonuses;
(2) The net income from operation of a business or profession or from rental or real or personal property (for this purpose, expenditures for business expansion or amortization of capital indebtedness shall not be deducted to determine the net income from a business);
(3) Interest and dividends;
(4) The full amount of periodic payments received from social security, annuities, insurance policies, retirement funds, pensions, disability or death benefits and other similar types of periodic receipts;
(5) Payments in lieu of earnings, such as unemployment and disability compensation, worker’s compensation and severance pay;
(6) Public Assistance. If the public assistance payment includes any amount specifically designated for shelter and utilities which is subject to adjustment by the public assistance agency in accordance with the actual cost of shelter and utilities, the amount of public assistance income to be included as income shall consist of:
(A) The amount of the allowance or grant exclusive of the amount specifically designated for shelter and utilities, plus
(B) The maximum amount which the public assistance agency could in fact allow for the family for shelter and utilities,
(7) Periodic and determinable allowances such as alimony and child support payments, and regular contributions or gifts from persons not residing in the dwelling; All regular pay, special pay and allowances of a member of the Armed Forces (whether or not living in the dwelling) who is head of the family or spouse.

City of Lakeport Housing Rehabilitation Program Guidelines 37 ATTACHMENT B
Asset Inclusions and Exclusions
24 CFR Part 5 Asset Inclusions and Exclusions
ASSET INCLUSIONS (section 5.603):

5.603 Definitions:

Net family assets.
(1) Net family assets is the net cash value of all assets owned by the family, after deducting reasonable costs that would be incurred in disposing real property, savings, stocks, bonds, and other forms of capital investment. (2) In determining net family assets, PHAs or owners, as applicable, must include the value of any business or family assets disposed of by an applicant or tenant for less than fair market value (including a disposition in trust, but not in a foreclosure or bankruptcy sale) during the two years preceding the date of application for the program or reexamination, as applicable, in excess of the consideration received therefor. In the case of a disposition as part of a separation or divorce settlement, the disposition will not be considered to be for less than fair market value if the applicant or tenant receives consideration not measurable in dollar terms. Negative equity in real property or other investments does not prohibit the owner from selling the property or other investments, so negative equity alone would not justify excluding the property or other investments from family assets. [88 FR 9656, Feb. 14, 2023; 88 FR 12560, Feb. 28, 2023] ASSET EXCLUSIONS:

From 24 CFR Section 5.603 (continued):
(3) Excluded from the calculation of net family assets are:
(i) The value of necessary items of personal property;
(ii) The combined value of all non-necessary items of personal property if the combined total value does not exceed $50,000 (which amount will be adjusted by HUD in accordance with the Consumer Price Index for Urban Wage Earners and Clerical Workers);
(iii) The value of any account under a retirement plan recognized as such by the Internal Revenue Service, including individual retirement arrangements (IRAs), employer retirement plans, and retirement plans for self-employed individuals; City of Lakeport Housing Rehabilitation Program Guidelines 38 (iv) The value of real property that the family does not have the effective legal authority to sell in the jurisdiction in which the property is located; (v) Any amounts recovered in any civil action or settlement based on a claim of malpractice, negligence, or other breach of duty owed to a family member arising out of law, that resulted in a family member being a person with a disability; (vi) The value of any Coverdell education savings account under section 530 of the Internal Revenue Code of 1986, the value of any qualified tuition program under section 529 of such Code, the value of any Achieving a Better Life Experience (ABLE) account authorized under Section 529A of such Code, and the value of any “baby bond” account created, authorized, or funded by Federal, State, or local government.
(vii) Interests in Indian trust land;
(viii) Equity in a manufactured home where the family receives assistance under 24 CFR part 982;
(ix) Equity in property under the Homeownership Option for which a family receives assistance under 24 CFR part 982;
(x) Family Self-Sufficiency Accounts; and
(xi) Federal tax refunds or refundable tax credits for a period of 12 months after receipt by the family.
(4) In cases where a trust fund has been established and the trust is not revocable by, or under the control of, any member of the family or household, the trust fund is not a family asset and the value of the trust is not included in the calculation of net family assets, so long as the fund continues to be held in a trust that is not revocable by, or under the control of, any member of the family or household. [88 FR 9656, Feb. 14, 2023; 88 FR 12560, Feb. 28, 2023] City of Lakeport Housing Rehabilitation Program Guidelines 39 ATTACHMENT B-1
Title 25 Section 6914 Gross Income Inclusions – For CalHome activities (b) The following items shall not be considered as income:
(1) Casual, sporadic or irregular gift items;
(2) Amounts which are specifically for or in reimbursement of the cost of medical expenses;
(3) Lump-sum additions to family assets, such as inheritances, insurance payments (including payments under health and accident insurance and worker’s compensation), capital gains and settlement for personal or property losses; (4) Amounts of educational scholarships paid directly to the student or to the educational institution, and amounts paid by the government to a veteran for use in meeting the costs of tuition, fees, books and equipment. Any amounts of such scholarships, or payments to veterans not used for the above purposes of which are available for a subsistence are to be included in income;
(5) The special pay to a serviceman head of a family away from home and exposed to hostile fire;
(6) Relocation payments made pursuant to federal, state, or local relocation law; (7) Foster child care payments;
(8) The value of coupon allotments for the purchase of food pursuant to the Food Stamp Act of 1964 which is an excess of the amount actually charged the eligible household; (9) Payments received pursuant to participation of the following volunteer programs under the ACTION Agency:
(A) National Volunteer Antipoverty Programs which include VISTA, Service Learning Programs and Special Volunteer Programs.
(B) National Older American Volunteer Program for persons aged 60 and over which include Retired Senior Volunteer Programs, Foster Grandparent Program, older American Community Services Program, and National Volunteer Program to Assist Small Business Experience, Service Corps of Retired Executive (SCORE) and Active Corps of Executives (ACE).

City of Lakeport Housing Rehabilitation Program Guidelines 40 ATTACHMENT C

MAXIMUM AFTER-REHABILITATION VALUES FOR LAKE COUNTY
(HOME Homeownership Value Limits as of NOT YET PUBLISHED) COUNTY NAME One-Family
LAKE $XXX,XXX
[Note: HUD is reviewing these values and has not published values in 2025/2026]

HOME MAXIMUM PER-UNIT SUBSIDY LIMITS FOR STATE OF CALIFORNIA (Limits are effective 5/11/2026) Updated annually
O-BDR 1-BDR 2-BDR 3-BDR 4-BDR
$187,658 $215,122 $261,595 $338,419 $371,477
HOUSEHOLD INCOME LIMITS FOR LAKE COUNTY*
(Limits are effective 5/29/2026) Updated annually
Number of Persons in Household
1 2 3 4 5 6 7 8
80% of
AMI
$54,400 $62,200 $69,950 $77,700 $83,950 $90,150 $96,350 $j102,60 0 Sponsor will insert the limits for the county in which the Program is located, and will update the income limits annually as HCD provides new information. The link to the official, HCD-maintained Value, Subsidy, and Income limits is: State and Federal Income, Rent, and Loan/Value Limits | California Department of Housing and Community Development for HOME and CDBG limits, choose “CDBG, HOME, and NHTF/HHC Article I - Income, Value, Subsidy, and Rent Limits”; for CalHome income limits, choose “Official State Income Limits”).

SPONSOR STANDARDS FOR BEDROOM AND BATHROOM ADDITIONS TO

ALLEVIATE OVERCROWDING
Maximum No.
of Persons in
the Household
Number of
Bedrooms
Number of
Bathrooms
1 SRO 1
1 0-BR 1
2 1-BR 1
4 2-BR 2
6 3-BR 2
8 4-BR 3
10 5-BR 3
12 6-BR 4
• Opposite sex children under 6 years of age may share a bedroom, up to 2 children per bedroom.
• Opposite-sex children 6 years of age and older may have their own bedroom. • Children shall be permitted a separate bedroom from their parents.

City of Lakeport Housing Rehabilitation Program Guidelines 41 • Same-sex children of any age may share a bedroom, up to 2 children per bedroom. • Adults not in a partner relationship may have their own bedroom. • 4 or more people – a second bathroom may be added.
• 8 or more people – a third bathroom may be added.
• Same rules apply to mobile home units.

The chart above is used as a guide to overcrowding.

City of Lakeport Housing Rehabilitation Program Guidelines 42 ATTACHMENT D

HOUSING REHABILITATION MARKETING PLAN

SUMMARY
The Sponsor will continue its efforts to market the Housing Rehabilitation Program in a manner that will reach all community members.

All marketing related to the Housing Rehabilitation Program is publicized in both English and Spanish. All marketing materials include information identifying the Sponsor’s commitment to fair housing laws and affirmative marketing policy, and are widely distributed. Equal opportunity is emphasized in written materials and oral presentations. A record is maintained by the Sponsor identifying what marketing materials are used, and when and where they are distributed.

Forms of marketing may include fliers, brochures, newspaper ads, articles and public service announcements. Fliers and brochures are distributed at local government buildings, other public buildings and through the mail, as well as to businesses that assist those not likely to apply without special outreach.

Advertisements and articles are published in newspapers that are widely circulated within the community.

Established working relationships with local lending agencies also aid in informing the public by facilitating the distribution of informational fliers to households seeking financial assistance for repairs that are unable to obtain conventional financing.

Informational meetings are offered to potential participants to explain Program requirements. Often, minimal formal outreach efforts are required as the need for assistance generally exceeds funds available.

However, marketing measures are actively performed in order to maintain a healthy interest list.

Characteristics on all applicants and participants are collected and compared with the Sponsor’s demographics. Should the Sponsor find that there are underserved segments of the population, a plan to better serve them will be developed and implemented.

MARKETING FORMS
Fliers
Brochures
Newspaper Ads and Articles
Public Service Announcements
Public Informational Meetings

MARKETING VENUES
Local Government Buildings
Local Public Services Buildings
Private Businesses
Lending Agencies
Real Estate Offices
Newspaper
Radio
Mail
City of Lakeport Housing Rehabilitation Program Guidelines 43 ATTACHMENT E

RESIDENTIAL ANTI-DISPLACEMENT AND TEMPORARY RELOCATION PLAN Version 2
The Housing and Community Development Act of 1974, as amended, and the National Affordable Housing Act of 1990, require all grantees of Community Development Block Grant (CDBG) funds or Home Investment Partnership (HOME) funds to follow a written Residential Anti-displacement and Relocation Assistance Plan (Plan) for any activities which could lead to displacement of occupants whose property is receiving funds from these or other federal funding source. Having been developed in response to both aforesaid federal legislations, this Plan is intended to inform the public of the compliance of the City of Lakeport (Sponsor) with the requirements of federal regulations 24 CFR section 570.606 under state recipient requirements and Section 104(d) of the Housing and Community Development Act of 1974 and 24 CFR 92 of the HOME federal regulations. The Plan will outline reasonable steps, which the Sponsor will take to minimize displacement and ensure compliance with all applicable federal and state relocation requirements. The Sponsor’s governing body has adopted this plan via a formal resolution.

This Plan will affect rehabilitation activities funded by the U.S. Department of Housing and Urban Development (HUD) under the following program titles: HOME, CDBG, Urban Development Action Grant (UDAG), Special Purpose Grants, Section 108 Loan Guarantee Program, and such other grants as HUD may designate as applicable, which take place with in the Sponsor’s jurisdiction limits.

The Sponsor will provide permanent relocation benefits to all eligible “displaced” households either owner-occupied or renter-occupied units which are permanently displaced by the housing rehabilitation program (See Section E below.). In addition, the Sponsor will replace all eligible occupied and vacant occupiable low-income group dwelling units demolished or converted to a use other than low income group housing as a direct result of rehabilitation activities. This applies to all units assisted with funds provided under the Housing and Community Development Act of 1974, as amended, and as described in the Federal Regulations 24 CFR section 570.496(a), Relocation, Displacement and Acquisition: Final Rule dated July 18, 1990 (Section 104(d)) and 49 CFR Part 24, Uniform Relocation Assistance (URA) and Real Property Acquisition Regulations Final Rule and Notice (URA) dated March 2, 1989.

All Sponsor programs/projects will be implemented in ways consistent with the Sponsor’s commitment to Fair Housing. Participants will not be discriminated against on the basis of race, color, religion, age, ancestry, national origin, sex, familial status, or handicap. The Sponsor will provide equal relocation assistance available 1) to each targeted income group household displaced by the demolition or rehabilitation of housing or by the conversion of a targeted income group dwelling to another use as a direct result of assisted activities; and 2) to each separate class of targeted income group persons temporarily relocated as a direct result of activities funded by HUD programs.

A. Minimizing Permanent Displacement and Temporary Relocation Resulting from Housing Rehabilitation or Reconstruction Activities
Consistent with the goals and objectives of activities assisted under the Act, the Sponsor will take the following steps to minimize the displacement of persons from their homes during housing rehabilitation or reconstruction funded by HUD programs:

1. Provide proper notices with counseling and referral services to all tenants so that they City of Lakeport Housing Rehabilitation Program Guidelines 44 understand their relocation rights and receive the proper benefits. When necessary assist permanently displaced persons to find alternate housing in the neighborhood.

2. Stage rehabilitation of assisted households to allow owner-occupants and/or tenants to remain during minor rehabilitation.

3. Encourage owner investors to temporarily relocate tenants to other available safe and sanitary vacant units on the project site area during the course of rehabilitation or pay expenses on behalf of replaced tenants.

4. Work with area landlords, real estate brokers, and/or hotel/motel managements to locate vacancies for households facing temporary relocation.

5. When necessary, use public funds, such as CDBG funds, to pay moving costs and provide relocation/displacement payments to households permanently displaced by assisted activities.

B. Lead Based Paint Mitigation Which Causes Temporary Relocation:

On September 15, 2000, the Final Rule for Lead Based Paint Hazard Control went into effect.

Among other things, it requires that federally-funded rehabilitation must use safe work practices so that occupants and workers can be protected from lead hazards. At no time should the tenantoccupant(s) be present in work areas or designated adjacent areas while LHC activities are taking place in any dwelling unit interior, common area, or exterior. As such, occupants may not be allowed to remain in their units during the time that lead-based paint hazards are being created or treated. Once work that causes lead hazards has been completed, and the unit passes clearance, the occupants can return. The tenant-occupants may not reoccupy a work area or adjacent area until post-lead hazard reduction clearance standards have been achieved and verified with laboratory results. The final rule allows for certain exceptions: programs:

1. The work will not disturb lead-based paint, or create dust-lead or soil-lead hazard; or

2. The work is on exterior only and openings are sealed to prevent dust from entering the home, the work area is cleaned after the work is completed, and the residents have alternative lead free entry; or

3. The interior work will be completed in one period of less than 8-daytime hours and the work site is contained to prevent the release of dust into other areas of the home; or

4. The interior work will be completed within five (5) calendar days, the work site is contained to prevent the release of dust, the worksite and areas within 10 feet of the worksite are cleaned at the end of each day to remove any visible dust and debris, and the residents have safe access to kitchen and bath and bedrooms.

If temporary relocation benefits are not provided because the Sponsor believes that the project meets one of the above criteria, then proper documentation must be provided in the rehabilitation project file to show compliance. It is up to the Sponsor to ensure that the owner occupant or tenant in the project does not get impacted by lead paint mitigation efforts. In most cases where lead paint mitigation is taking place, occupants (tenants or owners) will be strongly encouraged to relocate even for just a few days until a final lead clearance can be issued by a certified lead based paint assessor. Occupants who are temporarily relocated because of lead based paint mitigation City of Lakeport Housing Rehabilitation Program Guidelines 45 are entitled to the same relocation benefits as those who are relocated because of substantial rehabilitation or reconstruction activities.

C. Temporary Relocation of Owner Occupants:

Owner occupants are not allowed to stay in units which are hazardous environments during lead based paint mitigation. When their home is having lead based paint mitigation work done which will not make it safe to live in, then they are eligible for temporary relocation benefits up to $3,000, which will be provided as a grant. In the same way, a unit requiring substantial rehabilitation (with or without lead based paint mitigation) which will not allow the family to access a bath or kitchen facility, or if the unit is being demolished and reconstructed, then the family will be eligible for temporary relocation benefits up to $3,000, which will be provided as a grant. In no case shall the grant for temporary relocation exceed $3,000 for any one owner occupant.

Owner occupants will be encouraged to move in with family or friends during the course of rehabilitation, since they are voluntarily participating in the Program. The housing rehabilitation loan specialist and/or the rehabilitation construction specialist will complete a temporary relocation benefits form (See Appendix C) to document that the owner occupant understands that they must relocate during the course of construction and what benefits they wish to be reimbursed for as part of their relocation.

D. Temporary Relocation of Residential Tenants:

If continued occupancy during rehabilitation is judged to constitute a substantial danger to health and safety of the tenant or the public, or is otherwise undesirable because of the nature of the project, the tenant may be required to relocate temporarily. The contract administrator or rehabilitation specialist will make determination of the need for temporary relocation. The temporary relocation period will not exceed 180 days. All conditions of temporary relocation will be reasonable. Any tenant required to relocate temporarily will be helped to find another place to live which is safe, sanitary and of comparable value and they have the first right to move back into the original unit being rehabilitated at the same rent or lower. He or she may move in with family and friends and still receive full or partial temporary assistance based on eligible cost incurred. The housing rehabilitation loan specialist and/or the rehabilitation specialist will ensure that each tenant-occupied unit under the Program will receive a General Information Notice (GIN) (as soon as possible after a loan application is received) and the tenant will receive a Notice of Nondisplacement (after loan approval), and each tenant-occupied unit will have a temporary relocation benefits form completed for them. (See Appendix C). These notices will document that each tenant understands what their relocation rights are, and if they must relocate during the course of construction, that they receive the proper counseling and temporary relocation benefits.

A tenant receiving temporary relocation shall receive the following:

1. Increased housing costs (e.g. rent increase, security deposits) and

2. Payment for moving and related expenses, as follows:
a. Transportation of the displaced persons and personal property within 50 miles, unless the grantee determines that farther relocation is justified; b. Packing, crating, unpacking, and uncrating of personal property; City of Lakeport Housing Rehabilitation Program Guidelines 46 c. Storage of personal property, not to exceed 12 months, unless the grantee determines that a longer period is necessary;
d. Disconnection, dismantling, removing, reassembling, and reinstalling relocated household appliances and other personal property;
e. Insurance for the replacement value of personal property in connection with the move and necessary storage;
f. The replacement value of property lost, stolen or damaged in the process of moving (not through the fault of the displaced person, his or her agent, or employee) where insurance covering such loss, theft or damage is not reasonably available; g. Reasonable and necessary costs of security deposits required to rent the replacement dwelling;
h. Any costs of credit checks required to rent the replacement dwelling; i. Other moving related expenses as the grantee determines to be reasonable and necessary, except the following ineligible expenses:
1) Interest on a loan to cover moving expenses; or
2) Personal injury; or
3) Any legal fee or other cost for preparing a claim for a relocation payment or for representing the claimant before the Grantee; or
4) Costs for storage of personal property on real property already owned or leased by the displaced person before the initiation of negotiations.

E. Rehabilitation Activities Requiring Permanent Displacement The Sponsor’s rehabilitation program will not typically trigger permanent displacement and permanent displacement activities fall outside of the scope of this plan. If a case of permanent displacement is encountered, then the staff responsible for the rehabilitation program will consult with Sponsor’s legal counsel to decide if they have the capacity to conduct the permanent displacement activity. If local staff does not have the capacity, then a professional relocation consultant will be hired to do the counseling and benefit determination and implementation. If local staff does wish to do the permanent displacement activity then they will consult and follow the HUD Relocation Handbook 1378.

F. Rehabilitation Which Triggers Replacement Housing
If the Sponsor’s rehabilitation program assists a property where one or more units are eliminated then under Section 104 (d) of the Housing and Community Act of 1974, as amended applies and the Sponsor is required to replace those lost units. An example of this would be a duplex unit which is converted into a single family unit. In all cases where rehabilitation activities will reduce the number of housing units in the jurisdiction, then the Sponsor must document that any lost units are replaced and any occupants of reduced units are given permanent relocation benefits. (This does not apply to reconstruction or replacement housing done under a rehabilitation program where the existing unit(s) is demolished and replaced with a structure equal in size without in loss number of units or bedrooms.)
City of Lakeport Housing Rehabilitation Program Guidelines 47 Replacement housing will be provided within three years after the commencement of the demolition or conversion. Before entering into a contract committing the Sponsor to provide funds for an activity that will directly result in such demolition or conversion, the Sponsor will make this activity public (through a noticed public hearing and/or publication in a newspaper of general circulation) and submit to the California Department of Housing and Community Development or the appropriate federal authority the following information in writing:

1. A description of the proposed assisted activity;

2. The location on a map and the approximate number of dwelling units by size (number of bedrooms) that will be demolished or converted to a use other than as targeted income group dwelling units as a direct result of the assisted activity;

3. A time schedule for the commencement and completion of the demolition or conversion;

4. The location on a map and the approximate number of dwelling units by size (number of bedrooms) that will be provided as replacement dwelling units;

5. The source of funding and a time schedule for the provision of the replacement dwelling units;

6. The basis for concluding that each replacement dwelling unit will remain a targeted income group dwelling unit for at least 10 years from the date of initial occupancy; and,

7. Information demonstrating that any proposed replacement of dwelling units with smaller dwelling units (e.g., a two-bedroom unit with two one-bedroom units) is consistent with the housing needs of targeted income group households in the jurisdiction.

The Program Operator for the Sponsor is responsible for tracking the replacement of housing and ensuring that it is provided within the required period. The Sponsor is responsible for ensuring requirements are met for notification and provision of relocation assistance, as described in Section 570.606, to any targeted income group displaced by the demolition of any dwelling unit or the conversion of a targeted income group dwelling unit to another use in connection with an assisted activity.

G. Record Keeping and Relocation Disclosures/Notifications The Sponsor will maintain records of occupants of federally funded rehabilitated, reconstructed or demolished property from the start to completion of the project to demonstrate compliance with section 104(d), URA and applicable program regulations. Each rehabilitation project, which dictates temporary or permanent or replacement activities, will have a project description and documentation of assistance provided. (See sample forms in HUD Relocation Handbook 1378, Chapter 1, Appendix 11, form HUD-40054)
Appropriate advisory services will include reasonable advance written notice of (a) the date and approximate duration of the temporary relocation; (b) the address of the suitable, decent, safe, and sanitary dwelling to be made available for the temporary period; (c) the terms and conditions under which the tenant may lease and occupy a suitable, decent, safe, and sanitary dwelling.

City of Lakeport Housing Rehabilitation Program Guidelines 48 Notices shall be written in plain, understandable primary language of the persons involved. Persons who are unable to read and understand the notice (e.g. illiterate, foreign language, or impaired vision or other disability) will be provided with appropriate translation/communication. Each notice will indicate the name and telephone number of a person who may be contacted for answers to questions or other needed help. The notices and process below is for only temporary relocation. If permanent relocation is involved then other sets of notice and noticing process and relocation benefits must be applied (See HUD relocation handbook 1378 for those forms and procedures) The Temporary Relocation Advisory Notices to be provided are as follows:

1. General Information Notice: As soon as feasible when an owner investor is applying for Federal financing for rehabilitation, reconstruction, or demolition, the tenant of a housing unit will be mailed or hand delivered a General Information Notice that the project has been proposed and that the tenant will be able to occupy his or her present house upon completion of rehabilitation. The tenant will be informed that the rent after rehabilitation will not exceed current rent or 30 percent of his or her average monthly gross household income. The tenant will be informed that if he or she is required to move temporarily so that the rehabilitation can be completed, suitable housing will be made available and he or she will be reimbursed for all reasonable extra expenses. The tenant will be cautioned that he or she will not be provided relocation assistance if he or she decides to move for personal reasons. See Appendix A for sample notice to be delivered personally or by certified mail.

2. Notice of Non Displacement: As soon as feasible when the rehabilitation application has been approved, the tenant will be informed that they will not be permanently displaced and that they are eligible for temporary relocation benefits because of lead based paint mitigation or substantial rehabilitation, or reconstruction of their unit. The tenant will also again be cautioned not to move for personal reasons during rehabilitation, or risk losing relocation assistance. See Appendix B for sample notice to be delivered personally or by certified mail.

3. Disclosure to Occupants of Temporary Relocation Benefits: This form is completed to document that the Sponsor is following it’s adopted temporary relocation plan for owner occupants and tenants. See Appendix C for a copy of the disclosure form.

4. Other Relocation/Displacement Notices: The above three notices are required for temporary relocation. If the Sponsor is attempting to provide permanent displacement benefits then there are a number of other forms which are required. Staff will consult HUD’s Relocation Handbook 1378 and ensure that all the proper notices are provided for persons who are permanently displaced as a result of housing rehabilitation activities funded by CDBG or other federal programs.

City of Lakeport Housing Rehabilitation Program Guidelines 49 APPENDIX A
Dear ,
On (date) , (property owner) submitted an application to the for financial assistance to rehabilitate the building which you occupy at (address) .

This notice is to inform you that, if the assistance is provided and the building is rehabilitated, you will not be displaced. Therefore, we urge you not to move anywhere at this time. (If you do elect to move for reasons of your choice, you will not be provided relocation assistance.) If the application is approved and Federal assistance is provided for the rehabilitation, you will be able to lease and occupy your present apartment (or another suitable, decent, safe and sanitary apartment in the same building) upon completion of the rehabilitation. Of course, you must comply with standard lease terms and conditions.

After the rehabilitation, your initial rent, including the estimated average monthly utility costs, will not exceed the greater of (a) your current rent/average utility costs, or (b) 30 percent of your gross household income. If you must move temporarily so that the rehabilitation can be completed, suitable housing will be made available to you for the temporary period, and you will be reimbursed for all reasonable extra expenses, including all moving costs and any increase in housing costs.

Again, we urge you not to move. If the project is approved, you can be sure that we will make every effort to accommodate your needs. Because Federal assistance would be involved, you would be protected by the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended.

This letter is important and should be retained. You will be contacted soon. In the meantime, if you have any questions about our plans, please contact (name) , (title) , at (telephone number), (address) .

Sincerely,
(name)
(title)
City of Lakeport Housing Rehabilitation Program Guidelines 50 APPENDIX B
(date)
Dear :

On (date) , we notified you that the owner of your building had applied for assistance to make extensive repairs to the building. On (date) , the owner's request was approved, and the repairs will begin soon.

This is a notice of non-displacement. You will not be required to move permanently as a result of the rehabilitation. This notice guarantees you the following:

1. You will be able to lease and occupy your present apartment [or another suitable, decent, safe and sanitary apartment in the same building/complex] upon completion of the rehabilitation.

Your monthly rent will remain until after construction is completed. If increased after construction is done, your new rent and estimated average utility costs will not exceed local fair market rents for your community. Of course, you must comply with all the other reasonable terms and conditions of your lease.

2. If you must move temporarily so that the repairs can be completed, you will be reimbursed for all of your extra expenses, including the cost of moving to and from the temporarily occupied unit and any additional housing costs. The temporary unit will be decent, safe and sanitary, and all other conditions of the temporary move will be reasonable.

Since you will have the opportunity to occupy a newly rehabilitated apartment, I urge you not to move. (If you do elect to move for your own reasons, you will not receive any relocation assistance.) We will make every effort to accommodate your needs. Because Federal assistance is involved, you are protected by the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970, as amended.

If you have any questions, please contact (name) , (title), at (phone #) , (address) . Remember; do not move before we have a chance to discuss your eligibility for assistance. This letter is important to you and should be retained.

Sincerely,
(name and title)
City of Lakeport Housing Rehabilitation Program Guidelines 51 APPENDIX C

DISCLOSURE TO OCCUPANT OF TEMPORARY RELOCATION BENEFITS Top to be completed at time of loan application submittal or Home Visit Property Address:
__ Rental Unit __Owner-Occupied Unit
The rehabilitation loan specialist working on behalf of the City/County of has explained the temporary relocation services and benefits available under the current rehabilitation program relocation plan.

I/we have been advised that the City/County of rehabilitation construction specialist will inform me if I need to be temporarily relocated and will to assist me with scheduling any necessary moves and answer any questions about assistance as needed.

Acknowledged:

Occupant Signature Date Occupant Signature Date
Complete this at time of acceptance of Work Write Up with initials by occupant The rehabilitation construction specialist for the City/County of has explained the Rehabilitation Scope of Work for our house and I/we agree that it will:
____ Not require I/we to be relocated. (If initialed then STOP here and sign bottom.) ____ Yes, I/we need to be temporarily relocated. (Complete rest of form if initialed.) Start date and duration of relocation:
____ Starting on or about we will move for all or part of the rehabilitation project.

Approximate length of temporary relocation: Number of days.

For temporary relocation, I/We elect to (check all that apply):
____ Relocate with friends and family.
____ Relocate into a suitable temporary housing unit identified by rehab specialist. ____ Relocate furnishings only into a temporary storage unit. ____ I/We have been told what our relocation benefits are and elect Not to be reimbursed for any eligible relocation expenses.
____ I/We have been told what our relocation benefits are and want to be reimbursed for:

By signing, occupant(s) acknowledge receipt of copy of this form:

Occupant Signature Date Occupant Signature Date
City of Lakeport Housing Rehabilitation Program Guidelines 52 ATTACHMENT F

LOAN SERVICING POLICIES AND PROCEDURES

FOR THE CITY OF LAKEPORT
The City of Lakeport hereafter called “Sponsor,” has adopted these policies and procedures in order to preserve its financial interest in properties, whose “Borrowers” have been assisted with public funds. The Sponsor will to the greatest extent possible follow these policies and procedures, but each loan will be evaluated and handled on a case-by-case basis. The Sponsor has formulated this document to comply with state and federal regulations regarding the use of these public funds and any property restrictions, which are associated with them.

The policies and procedures are broken down into the follow areas: 1) making required monthly payments or voluntary payments on a loan’s principal and interest; 2) required payment of property taxes and insurance; 3) required Request for Notice of Default on all second mortgages; 4) loans with annual occupancy restrictions and certifications 5) required noticing and limitations on any changes in title or use of property; 6) required noticing and process for requesting a subordination during a refinance; 7) processing of foreclosure in case of default on the loan.

1. Loan Repayments:

The Sponsor will collect monthly payments from those borrowers who are obligated to do so under Notes which are amortized promissory notes. Late fees will be charged for payments received after the assigned monthly date.

For Notes which are deferred payment loans, the Sponsor must accept voluntary payments on the loan. Loan payments will be credited to principal. The Borrower may repay the loan balance at any time with no penalty.

2. Payment of Property Taxes and Insurance:

As part of keeping the loan from going into default, Borrower must maintain property insurance coverage naming the Sponsor as loss payee. Except for HOME-funded loans, if Borrower fails to maintain the necessary insurance, the Sponsor may take out force placed insurance to cover the property while the Borrower puts a new insurance policy in place. All costs for installing the necessary insurance will be added to the loan balance at time of installation of Borrower’s new insurance.

When a property is located in a 100-year floodplain, the Borrower will be required to carry the necessary flood insurance. A certificate of insurance for flood and for standard property insurance naming the City as a lender loss payee will be required at close of escrow. The Sponsor will verify the insurance on an annual basis.

Property taxes must be kept current during the term of the loan. If the Borrower fails to maintain payment of property taxes then the Sponsor may pay the taxes current and add the City of Lakeport Housing Rehabilitation Program Guidelines 53 balance of the tax payment plus any penalties to the balance of the loan (not permissible when funded with HOME). Wherever possible, the Sponsor encourages Borrower to have impound accounts set up with their first mortgagee wherein they pay their taxes and insurance as part of their monthly mortgage payment.

3. Required Request for Notice of Default:

When the Borrower’s loan is in second position behind an existing first mortgage, it is the Sponsor's policy to prepare and record a "Request for Notice of Default" for each senior lien in front of Sponsor’s loan. This document requires any senior lienholder listed in the notice to notify the Sponsor of initiation of a foreclosure action. The Sponsor will then have time to contact the Borrower and assist them in bringing the first loan current. The Sponsor can also monitor the foreclosure process and go through the necessary analysis to determine if the loan can be made whole or preserved. When the Sponsor is in a third position and receives notification of foreclosure from only one senior lienholder, it is in their best interest to contact any other senior lienholders regarding the status of their loans.

4. Annual Occupancy Restrictions and Certifications:

On owner-occupant loans the Sponsor may require that Borrowers submit utility bills and/or other documentation annually to prove occupancy during the term of the loan. For CDBG, some loans may have income and housing cost evaluations, which require a household to document that they are not able to make repayments, typically every five years. These loan terms are incorporated in the original note and deed of trust. On HOME-funded loans, annual occupancy verification will occur between January 1st and 15th of each year for the term of the loan].

5. Required Noticing and Restrictions on Any Changes of Title or Occupancy:

In all cases where there is a change in title or occupancy or use, the Borrower must notify the Sponsor in writing of any change. Sponsor and Borrower will work together to ensure the property is kept in compliance with the original Program terms and conditions such that it remains available as an affordable home for low income families. These types of changes are typical when Borrowers do estate planning (adding a relative to title) or if a Borrower dies and property is transferred to heirs or when the property is sold or transferred as part of a business transaction. In some cases the Borrower may move and turn the property into a rental unit without notifying the Sponsor. Changes in title or occupancy must be in keeping with the objective of benefit to low-income households (below 80 percent of AMI).

Change from owner-occupant to owner-occupant occurs at a sale. When a new owneroccupant is not low-income, the loan is not assumable and the loan balance is immediately due and payable. If the new owner-occupant qualifies as low-income, the purchaser may either pay the loan in full or assume all loan repayment obligations of the original owneroccupant, subject to the approval of the Sponsor’s Loan Committee (depends on the HCD program).

City of Lakeport Housing Rehabilitation Program Guidelines 54 If a transfer of the property occurs through inheritance, the heir (as owner-occupant) may be provided the opportunity to assume the loan at an interest rate based on household size and household income, provided the heir is income eligible. If the heir intends to occupy the property and is not low-income, the balance of the loan is due and payable. If the heir intends to act as an owner-investor, the balance of the loan may be converted to an owner/investor interest rate and loan term and a rent limitation agreement is signed and recorded on title. All such changes are subject to the review and approval of the Sponsor’s Loan Committee.

Change from owner-occupant to owner-investor occurs when an owner-occupant decides to move out and rent the assisted property, or if the property is sold to an investor. If the owner converts any assisted unit from owner-occupied to rental, the loan is due in full.

Conversion to use other than residential use is not allowable where the full use of the property is changed from residential to commercial or other. In some cases, Borrowers may request that the Sponsor allow for a partial conversion where some of the residence is used for a business but the household still resides in the property. Partial conversions can be allowed if it is reviewed and approved by any and all agencies required by local statute. If the use of the property is converted to a fully non-residential use, the loan balance is due and payable.

6. Requests for Subordinations:

When a Borrower wishes to refinance the property, they must request a subordination request to the Sponsor. The Sponsor will subordinate their loan only when there is no “cash out” as part of the refinance. Cash out means there are no additional charges on the transaction above loan and escrow closing fees. There can be no third-party debt payoffs or additional encumbrance on the property above traditional refinance transaction costs. Furthermore, the refinance should lower the housing cost of the household with a lower interest rate and the total indebtedness on the property should not exceed the current market value.

Upon receiving the proper documentation from the refinance lender, the request will be considered by the loan committee for review and approval. Upon approval, the escrow company will provide the proper subordination document for execution and recordation by the Sponsor.

7. Process for Loan Foreclosure:

Upon any condition of loan default: 1) non-payment; 2) lack of insurance or property tax payment; 3) change in title or use without approval; or 4) default on senior loans, the Sponsor will send out a letter to the Borrower notifying them of the default situation. If the default situation continues, the Sponsor may start a formal process of foreclosure.

When a senior lienholder starts a foreclosure process and the Sponsor is notified via a Request for Notice of Default, the Sponsor, who is the junior lienholder, may cancel the foreclosure proceedings by "reinstating" the senior lienholder. The reinstatement amount or payoff amount must be obtained by contacting the senior lienholder. This amount will City of Lakeport Housing Rehabilitation Program Guidelines 55 include all delinquent payments, late charges and fees to date. Sponsor must confer with Borrower to determine if, upon paying the senior lienholder current, the Borrower can provide future payments. If this is the case, then the Sponsor may cure the foreclosure and add the costs to the balance of the loan with a Notice of Additional Advance on the existing note. HOME funds may not be used for this purpose, however.

If the Sponsor determines, based on information on the reinstatement amount and status of Borrower, that bringing the loan current will not preserve the loan, then staff must determine if it is cost effective to protect their position by paying off the senior lienholder in total and restructure the debt such that the unit is made affordable to the Borrower. If the Sponsor does not have sufficient funds to pay the senior lienholder in full, then they may choose to cure the senior lienholder and foreclose on the property themselves. As long as there is sufficient value in the property, the Sponsor can afford to pay for the foreclosure process and pay off the senior lienholder and retain some or all of their investment.

If the Sponsor decides to reinstate, the senior lienholder will accept the amount to reinstate the loan up until five (5) days prior to the set "foreclosure sale date." This "foreclosure sale date" usually occurs about four (4) to six (6) months from the date of recording of the "Notice of Default." If the Sponsor fails to reinstate the senior lienholder before five (5) days prior to the foreclosure sale date, the senior lienholder would then require a full pay off of the balance, plus costs, to cancel foreclosure. If the Sponsor determines the reinstatement and maintenance of the property not to be cost effective and allows the senior lienholder to complete foreclosure, the Sponsor's lien may be eliminated due to insufficient sales proceeds.

Sponsor as Senior Lienholder
When the Sponsor is first position as a senior lienholder, active collection efforts will begin on any loan that is 31 or more days in arrears. Attempts will be made to assist the homeowner in bringing and keeping the loan current. These attempts will be conveyed in an increasingly urgent manner until loan payments have reached 90 days in arrears, at which time the Sponsor may consider foreclosure. Sponsor’s staff will consider the following factors before initiating foreclosure:
1) Can the loan be cured and can the rates and terms be adjusted to allow for affordable payments such that foreclosure is not necessary?
2) Can the Borrower refinance with a private lender and pay off the Sponsor? 3) Can the Borrower sell the property and pay off the Sponsor? 4) Does the balance warrant foreclosure? (If the balance is under $5,000, the expense to foreclose may not be worth pursuing.)
5) Will the sales price of home "as is" cover the principal balance owing, necessary advances, (maintain hazard insurance, maintain or bring current delinquent property taxes, monthly yard maintenance, periodic inspections of property to prevent vandalism, etc.) foreclosure, and marketing costs?
City of Lakeport Housing Rehabilitation Program Guidelines 56 If the balance is substantial and all of the above factors have been considered, the Sponsor may opt to initiate foreclosure. The Borrower must receive, by certified mail, a thirty-day notification of foreclosure initiation. This notification must include the exact amount of funds to be remitted to the Sponsor to prevent foreclosure (such as, funds to bring a delinquent BMIR current or pay off a DPL).

At the end of thirty days, the Sponsor should contact a reputable foreclosure service or local title company to prepare and record foreclosure documents and make all necessary notifications to the owner and junior lienholders. The service will advise the Sponsor of all required documentation to initiate foreclosure (Note and Deed of Trust usually) and funds required from the owner to cancel foreclosure proceedings. The service will keep the Sponsor informed of the progress of the foreclosure proceedings.

When the process is completed, and the property has "reverted to the beneficiary" at the foreclosure sale, the Sponsor could sell the home themselves under a homebuyer program or use it for an affordable rental property managed by a local housing authority or use it for transitional housing facility or other eligible use. The Sponsor could contract with a local real estate broker to list and sell the home and use those funds for Program income-eligible uses.

City of Lakeport Housing Rehabilitation Program Guidelines 57 ATTACHMENT G
CITY OF LAKEPORT’S

FORECLOSURE POLICY
Sponsor As Junior Lienholder
It is the City of Lakeport’s (Sponsor’s) policy to prepare and record a "Request for Notice" on all junior liens (any lien after the first position) placed on properties financed by a loan.

This document requires any senior lienholder to notify the Sponsor of initiation (recordation of a "Notice of Default") of a foreclosure only. This is to alert the junior lienholder that they are to monitor the foreclosure with the senior lienholder. When the Sponsor is in a third position and receives notification of foreclosure from only one senior lienholder, it would be in their best interest to contact both senior lienholders regarding the status of their loans.

The junior lienholder may cancel the foreclosure proceedings by "reinstating" the senior lienholder. The reinstatement amount must be obtained by contacting the senior lienholder.

This amount will include all delinquent payments, late charges, advances (hazard insurance premiums, property taxes, property protection costs, etc.), and foreclosure costs (fees for legal counsel, recordings, certified mail, etc.)
Once the Sponsor has the information on the reinstatement amount, staff must then determine if it is cost effective to protect their position by reinstating the senior lienholder, keeping them current by submitting a monthly payment thereafter, foreclosing on the property possibly resulting in owning the property at the end of foreclosure, protecting the property against vandalism, and paying marketing costs (readying the home for marketing, paying for yard maintenance, paying a real estate broker a sales commission).

Sponsor As Senior Lienholder
When the Sponsor is in a first position, or the senior lienholder, active collection efforts will begin on any loan that is 31 or more days in arrears. Attempts will be made to assist the homeowner in bringing and keeping the loan current. These attempts will be conveyed in an increasingly urgent manner until loan payments have reached 90 days in arrears, at which City of Lakeport Housing Rehabilitation Program Guidelines 58 time the Sponsor may consider foreclosure. Sponsor staff will consider the following factors before initiating foreclosure:
- Can the loan be cured (brought current or paid off) by the owner without foreclosure?
- Can the owner refinance with a commercial lender and pay off the Sponsor? - Can the owner sell the property and pay off the Sponsor? - Does the balance warrant foreclosure? (If the balance is under $5,000, the expense to foreclose may not be worth pursuing.)
- Will the sales price of home "as is" cover the principal balance owing, necessary advances, (maintain hazard insurance, maintain or bring current delinquent property taxes, monthly yard maintenance, periodic inspections of property to prevent vandalism, etc.) foreclosure, and marketing costs? If the balance is substantial and all of the above factors have been considered, the Sponsor may opt to initiate foreclosure. The owner must receive, by certified mail, a thirty-day notification of foreclosure initiation. This notification must include the exact amount of funds to be remitted to the Sponsor to prevent foreclosure (such as, funds to bring a delinquent BMIR current or pay off a DPL).

City of Lakeport Housing Rehabilitation Program Guidelines 59 ATTACHMENT H

CERTIFICATION OF OCCUPANCY

CITY OF LAKEPORT
I/we declare as follows:
(Please Print Occupant’s Name(s))
That I/we am/are currently occupying as my/our principal place of residence the real property commonly known as:
(Address)
(City, State, Zip code)
Daytime Phone Number:

Executed on______________________, 20____, at ___________________, CA (Date) (City)
I/we declare under penalty of perjury that the foregoing is true and correct.

Signature(s) of all occupants:

Occupant: _______________________________________________________________ Occupant: _______________________________________________________________ Occupant: _______________________________________________________________ Occupant: _______________________________________________________________ Occupant: ___________________________________________________________ City of Lakeport Housing Rehabilitation Program Guidelines 60 ATTACHMENT I

LEAD-BASED PAINT

VISUAL ASSESSMENT, NOTICE OF PRESUMPTION, AND HAZARD REDUCTION FORM Section 1: Background Information
Property Address: No LBP found or LBP exempt 
Select one: Visual Assessment  Presumption  Hazard Reduction  Section 2: Visual Assessment. Fill out Sections 1, 2, and 6. If paint stabilization is performed, also fill out Sections 4 and 5 after the work is completed.

Visual Assessment Date: Report Date:

Check if no deteriorated paint found 
Attachment A: Summary where deteriorated paint was found. For multi-family housing, list at least the housing unit numbers and common areas and building components (including type of room or space, and the material underneath the paint).

Section 3: Notice of Presumption. Fill out Sections 1, 3, 5, and 6. Provide to occupant w/in 15 days of presumption.

Date of Presumption Notice:

Lead-based paint is presumed to be present  and/or Lead-based paint hazards are presumed to be present 
Attachment B: Summary of Presumption: For multi-family housing, list at least the housing unit numbers and common areas, bare soil locations, dust-lead location, and or building components (including type of room or space, and the materials underneath the paint) of lead-based paint and/or hazards presumed to be present.

Section 4: Notice of Lead-Based Paint Hazard Reduction Activity. Fill out Sections 1, 4, 5, and 6.

Provide to occupant w/in 15 days of after work completed.

Date of Hazard Reduction Notice:

Initial Hazard Reduction Notice? Yes  No  Start & Completion Dates:

If “No”, dates of previous Hazard Reduction Activity Notices:

Attachment C: Activity locations and types. For multi-family housing, list at least the housing unit numbers and common areas (for multifamily housing), bare soil locations, dust–lead locations, and/or building components (including type of room or space, and the material underneath the paint), and the types of lead-based paint hazard reduction activities performed at the location listed.

Attachment D: Location of building components with lead-based paint remaining in the rooms, spaces or areas where activities were conducted.

Attachment E: Attach clearance report(s), using DHS form 8552 (and 8551 for abatement activities) Section 5: Resident Receipt of Notice for Presumption or Lead-Based Paint Hazard Reduction Activity and Acknowledgement of Receipt of pamphlet Protection Your Family from Lead in Your Home.

Printed Name: Signature: Date:

Section 6: Contact Information Organization:

Contact Name: Contact Signature:

Date: Address: Phone:

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 1
Name of State
RecipientCity of
Lakeport
HOME Investment Partnerships
Program (HOME)
First-Time Homebuyer
Program Guidelines
Serving the name of city, or the unincorporated
areas of the County of XXXCity of Lakeport
Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 2

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 3

HOME FIRST-TIME HOMEBUYER PROGRAM GUIDELINES
Table of Contents

1.0. GENERAL

1.1. PROGRAM OUTREACH AND MARKETING

1.2. APPLICATION PROCESS AND SELECTION

1.3. THE HOME PURCHASE PROCESS

1.4. HOMEBUYER COSTS

1.5. HOMEBUYER EDUCATION

1.6. CONFLICT OF INTEREST REQUIREMENTS

1.7. NON-DISCRIMINATION REQUIREMENTS

2.0. APPLICANT QUALIFICATIONS

2.1. CURRENT INCOME LIMITS

2.2. INCOME QUALIFICATION CRITERIA

2.3. DEFINITION OF AN ELIGIBLE HOMEBUYER

3.0. HOUSING UNIT ELIGIBILITY

3.1. LOCATION AND CHARACTERISTICS

3.2. CONDITIONS

3.3 ANTI-DISPLACEMENT POLICY AND RELOCATION ASSISTANCE

3.4. PROPER NOTIFICATION AND DISCLOSURES

4.0. PURCHASE PRICE LIMITS

5.0. THE PRIMARY LOAN
A. QUALIFYING RATIOS
B. INTEREST RATE
C. LOAN TERM
D. IMPOUND ACCOUNT

6.0. THE PROGRAM LOAN
A. MAXIMUM AMOUNT OF PROGRAM ASSISTANCE
B. NON-RECURRING CLOSING COSTS
C. AFFORDABILITY PARAMETERS FOR HOMEBUYERS
D. RATES AND TERMS FOR PROGRAM LOANS
E. LOAN-TO-VALUE RATIO

7.0. PROGRAM LOAN REPAYMENT

7.1. PAYMENTS ARE VOLUNTARY

7.2. RECEIVING LOAN REPAYMENTS

7.3. DUE UPON SALE OR TRANSFER

7.4. LOAN SERVICING POLICIES AND PROCEDURES

7.5. LOAN MONITORING PROCEDURES

8.0. PROGRAM LOAN UNDERWRITING AND APPROVAL

8.1. COMPLETION OF UNDERWRITING AND APPROVAL OF PROGRAM LOAN

8.2. PRIMARY AND PROGRAM LOAN DOCUMENT SIGNING

8.3. ESCROW PROCEDURES

9.0. SUBORDINATE FINANCING

10.0. EXCEPTIONS AND SPECIAL CIRCUMSTANCES

10.1. DEFINITION OF EXCEPTION

10.2. PROCEDURES FOR EXCEPTIONAL CIRCUMSTANCES

11.0. DISPUTE RESOLUTION AND APPEALS PROCEDURE
Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 4

TABLE OF CONTENTS (CONTINUED)

ATTACHMENTS
ATTACHMENT A: INCOME INCLUSIONS AND EXCLUSIONS
ATTACHMENT B: ASSET INCLUSIONS AND EXCLUSIONS
ATTACHMENT C: MAXIMUM PURCHASE PRICE/AFTER-REHAB VALUE LIMITS; HOME MAXIMUM PER-UNIT SUBSIDY LIMITS; CURRENT INCOME LIMITS
ATTACHMENT D: LOAN SERVICING POLICIES AND PROCEDURES
ATTACHMENT E: SELLER'S LEAD-BASED PAINT DISCLOSURE
ATTACHMENT F: DISCLOSURE TO SELLER WITH VOLUNTARY, ARM'S-LENGTH

PURCHASE OFFER
ATTACHMENT G: INSTRUCTIONS TO HOMEBUYER
ATTACHMENT H: LEAD-BASED PAINT NOTICE OF PRESUMPTION AND HAZARD REDUCTION FORM
ATTACHMENT I: HOMEBUYER PROGRAM LEAD COMPLIANCE DOCUMENT CHECKLIST

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 5

NAME OF STATE RECIPIENTCITY OF LAKEPORT

HOME PROGRAM FIRST-TIME HOMEBUYER PROGRAM GUIDELINES

1.0. GENERAL
The above-named entity, hereinafter referred to as the “Sponsor” or “Lender,” has entered into a contractual relationship with the California Department of Housing and Community Development (“HCD”) to administer a HOME First-Time Homebuyer program. The homebuyer program described herein (the “Program”) is designed to assist eligible homebuyers in purchasing homes, also referred to herein as “housing units”, located within the Program’s eligible area, as described in Section 3.1.A. The Program provides this assistance in the form of a 30+ year deferred payment “silent” junior priority loan as “Gap” financing toward the purchase price and closing costs of an affordable housing unit that will be occupied by the homebuyers as their primary residence during the HOME Affordability Period. The Program will be administered by [name of SponsorCity of Lakeport, and or name of ssub-recipient, and/or name or administrative subcontractor, if applicable], (the “Program Operator”).

1.1. PROGRAM OUTREACH AND MARKETING
All outreach efforts will be done in accordance with state and federal fair lending regulations to ensure nondiscriminatory treatment, outreach, and access to the Program. No person shall, on the grounds of race, color, ancestry, national origin, citizenship, immigration status, primary language, religion, disability (mental or physical), sex and gender, sexual orientation, gender identity, gender expression, genetic information, marital status, familial status (families with children under 18 or people who are pregnant), source of income, military or veteran status, or age be excluded, denied benefits, or subjected to discrimination under the Program.

The Sponsor will ensure that all persons, including those qualified individuals with disabilities, have access to the Program and will take steps to ensure effective communication with and marketing to applicants, residents, and members of the public with disabilities.

A. The Fair Housing Lender and Accessibility logos will be placed on all outreach materials. Affirmative marketing efforts will be based upon a comparison (census data will be used) of the Program’s eligible area compared to the demographic characteristics of the population served by the Program. This includes tracking separately all applications, including subsets for those which result in denial of assistance or withdrawal, and for those which result in assistance), and an explanation and analysis of any underserved segments of the population. This information is used to show that protected classes (listed above) are not being intentionally or unintentionally excluded from the Program. Flyers or other outreach Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 6
materials, in English and any other languages that are the primary languages of a significant portion of the area’s residents, in accordance with Sponsor’s Limited English Proficiency (LEP) Plan, or equivalent, will be widely distributed in the Program-eligible area and will be provided to any local social service agencies. The Program may sponsor homebuyer seminars to help educate homebuyers about the homebuying process and future responsibilities.

B. The Program Operator will market the Program to local real estate agents and primary lenders to explain the Program requirements for eligible housing units and homebuyers, and to review Program processes. Local real estate agents and primary lenders will also be invited to have their customers participate in the Program.

C. The following statement will be included in all outreach and marketing materials: Section 504 of the Rehabilitation Act of 1973 prohibits the exclusion of an otherwise qualified individual, solely by reason of disability, from participation under any program receiving Federal funds.

D. The Sponsor will ensure that all Personally-Identifiable Information remains confidential and is properly protected.

1.2. APPLICATION PROCESS AND SELECTION
A. The Sponsor maintains a waiting list of applicants. Each applicant is asked to complete an application form, which asks for sufficient information concerning income, employment, and credit history to establish preliminary eligibility for Program participation. Completed applications are processed on a first-come-first-served basis. Applications are deemed complete only if all information is completed and the application is signed and dated.

Incomplete applications are returned to the applicant and will not be date/time stamped until complete.

B. Once the applicant’s name comes to the top of the waiting list, their Program eligibility will be confirmed, and they will then be invited to a briefing regarding participation in the Program. At the briefing, the application is reviewed and the potential homebuyer is given a “Preliminary Eligibility Letter” for the Program, along with the following forms: Program Brochure, Attachment (G) Instructions to Homebuyer, List of lenders familiar with the Program, Attachment (E) Seller’s Lead-Based Paint Disclosure and the EPA Booklet “Protect Your Family from Lead in Your Home”, and (F) Notice to Seller.

If the Program Operator encounters material discrepancies and/or misrepresentations, and/or there are income, asset, household Commented [JC1]: NOTE TO SPONSOR: Please carefully
review this section and edit as needed to reflect your process, for our review and approval.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 7
composition, or other important questions that cannot be resolved, the Sponsor reserves the right to deny assistance to the household. In this case, the applicant may re-apply after [state the period here, and if there are different periods for different situations, since this paragraph covers various scenarios, spell them out here], six months as stated in a written assistance denial letter.

C. Each applicant must participate in individual Homebuyer Counseling consistent with the requirements in Section 1.5 of these Program Guidelines.

D. The potential homebuyer is given 90 days to find a qualified home and secure a primary loan for the housing unit. If during the 90-day timeframe, the potential homebuyer is unable to achieve this, an extension may be given. However, if the potential homebuyer cannot meet the requirements of finding a qualified housing unit and closing a primary loan within the allotted time to participate in the Program, the reservation of funds expires and the next person on the waiting list will be given an opportunity to participate in the Program.

1.3. THE HOME PURCHASE PROCESS
A. The following is a simplified example of how a primary lender would analyze a homebuyer’s finances to determine how much the homebuyer could afford to borrow from the primary lender towards homeownership.

DEBT SERVICE
FOR A FAMILY OF FOUR EARNING $3,388 PER MONTH

HOUSING PAYMENTS TOTAL OVERALL PAYMENTS
Principal & Interest Payment $ 865 $ 1,180 Housing
Insurance 82 + 200 Other Debt Service
Taxes 233 $1,380 Total Debt Service
Total Housing Expense $1,180 (Overall debt service per month is 41% of $3,388) (PITI is 35% of $3,388)

OTHER HOUSEHOLD DEBT SERVICE
Car Payment $ 150
Credit Card Payment_ 50
Total Other Debt $ 200
A $865 per month loan payment equates to borrowing $143,000 at 5.88% for a 30-year term.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 8
B. The housing unit selection process will be conducted by the homebuyers.

Prior to making an offer to purchase an eligible housing unit (see Section

3.0), homebuyer shall provide seller with a disclosure containing the following provisions (see Attachment F for Disclosure to Seller form):
1) Homebuyer has no power of eminent domain and, therefore, will not acquire the property if negotiations fail to result in an amicable agreement;
2) Homebuyer’s offer is an estimate of the fair market value of the housing unit, to be finally determined by a state-licensed appraiser; 3) The housing unit will be subject to inspection. In accordance with 24 CFR section 92.251(c), the housing unit must be decent, safe, sanitary, and in good repair. The standards must provide that the housing meets all applicable State and local housing quality standards and code requirements and the housing does not contain the specific deficiencies established by HUD based on the applicable standards in 24 CFR section 5.703 and published in the Federal Register for HOME assisted projects and units;
4) All housing units built prior to January 1, 1978, will require a lead paint disclosure to be signed by both the homebuyer and Seller (Attachment E);
5) Since the sale is voluntary, seller is not eligible for relocation payments or other relocation assistance;
6) Seller understands that the housing unit must be either: currently owner-occupied, newly constructed, bought by the current tenant, or vacant for three months prior to submission of the purchase offer; 7) If the seller is not provided with a statement of the above six provisions prior to or with the purchase offer, the seller may withdraw from the agreement after this information is provided.

SUBSIDY CALCULATION
FOR A FAMILY OF FOUR EARNING $3,388 PER MONTH
Purchase Price of Property $ 280,000
Less Primary loan amount 143,000
Less down payment of 1% 2,800

Equals “GAP” $ 134,200
Plus estimated allowable settlement charges 8,400
Equals Total Subsidy $ 142,600
Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 9
C. Applicant submits an executed Standard Form Purchase and Sale Agreement, along with a primary lender pre-qualification letter to Program Operator. The purchase and sale agreement will be contingent on the household and housing unit meeting Program eligibility requirements and receiving Program loan approval. Program Operator verifies applicant eligibility, housing unit and loan eligibility and amount of assistance to be provided consistent with these guidelines.

D. Program Operator conducts an Environmental Review in accordance with 24 CFR Part 58, and Sponsor’s NEPA Certifying Officer signs the appropriate form before any commitment of funds are made to the homebuyer. An acquisition cannot and must not include rehabilitation immediately after transfer of title, and requires completion of a HUD CENST form from the Environmental Review - HUD Exchange webpage.

E. Program Operator, where Program Operator is not the Sponsor, submits recommendation to the Sponsor for approval or denial, including the reasons for the recommendation. Sponsor determines Applicant’s approval or denial and instructs Program Operator to notify Applicant. Program Operator provides written notification to Applicant of approval or denial with reason and, if denied, a copy of the Program’s appeal procedures. See Section 11 of these Program Guidelines.

F. When primary lender requirements are met, Program funds are deposited into escrow, with required closing instructions and loan documents.

G. At the time of escrow closing, the Sponsor shall be named as an additional loss payee on fire, flood (if required), and extended coverage insurance for the length of the loan and in an amount sufficient to cover all encumbrances or full replacement cost of the housing unit. A policy of Title Insurance naming the Sponsor as insured is also required.

1.4. HOMEBUYER COSTS
A. Eligible households must document that they have the funds necessary for down payment and closing costs as required by the primary lender and the Sponsor. The Program’s down payment requirement (below) is in place even if the primary lender has a lower down payment requirement. If the primary lender has a higher down payment requirement, there is no additional down payment requirement required by the Program.

B. Homebuyer must contribute a minimum down payment of one percent (1%) of the purchase price but may contribute more if desired. Commented [JC2]: NOTE TO SPONSOR: This can be a dollar amount instead, like $1,000, or can be as low as $0, in which case this should read “There is no minimum contribution amount for the homebuyer.”
Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 10
C. Sponsor will provide a subsidy that is no greater than the applicable HOME Maximum Per-Unit Subsidy Limit for the State of California and no more than 50% of the total loan. [WORDING MAY BE ADDED, SUCH AS 50%

OF THE PURCHASE PRICE, TO FURTHER RESTRICT THE MAXIMUM
ASSISTANCE AMOUNT]. The subsidy will reduce the amount of the primary lender’s loan so that the payments of principal, interest, taxes, insurance, and mortgage insurance and HOA dues, if any, are within approximately 25 to 350% of the household’s gross monthly household income. In addition, the borrower’s total debt must be within the ranges in Section 5.0. of these Program Guidelines.

D. The Program Operator will determine the level of subsidy and affordability during underwriting of the Program’s loan to make sure that it conforms to the requirements of the HCD funding Program.

1.5. HOMEBUYER EDUCATION
All Program participants are required to receive housing counseling prior to Program approval, delivered by a HUD-certified housing counselor who works for an organization certified by HUD to perform housing counseling. The Program Operator will provide the homebuyer with the needed counselor information. A list of such counseling entities is available at:
https://hud4.my.site.com/housingcounseling/s/?language=en_US.

A copy of the applicant’s certificate of completion must be placed into the homebuyer file maintained by the Program Operator. In addition, the Program Operator must include evidence that the counseling provider was HUD-certified when the counseling certification was issued.

Acceptable forms of housing counseling include in-person, phone, and/or internet, provided the client and counselor have an individualized dialogue, with guidance and advice tailored to client’s needs. This includes creating a client budget, financial analysis, an action plan, and referrals to relevant resources such as down payment assistance programs or legal services.

Housing Counseling defined: Housing counseling is independent, expert advice customized to the need of the consumer to address the consumer's housing barriers and to help achieve their housing goals and must include the following processes: Intake; financial and housing affordability analysis; an action plan, and a reasonable effort to have follow-up communication with the client when possible.

The content and process of housing counseling must meet the standards outlined in 24 CFR Part 214, which include:

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 11
● addressing unique financial circumstances or housing issues; ● focusing on ways of overcoming specific obstacles to achieving a housing goal such as repairing credit;
● addressing a rental dispute, purchasing a home, locating cash for a down payment, and being informed of fair housing and fair lending requirements of the Fair Housing Act;
● finding units accessible to persons with disabilities; ● avoiding foreclosure;
● resolving a financial crisis; and
● the creation of an action plan.

1.6. CONFLICT OF INTEREST REQUIREMENTS
The applicable Conflict of Interest requirements of 24 CFR section 92.356 of the HOME Final Rule shall be followed for HOME assistance, as follows:
(a) Conflicts prohibited. No persons described in paragraph (b) of this section who exercises or has exercised any functions or responsibilities with respect to activities assisted with HOME funds or who are in a position to participate in a decision making process or gain inside information with regard to these activities, may obtain a financial interest or benefit from a HOME-assisted activity, or have a financial interest in any contract, subcontract or agreement with respect to the HOME-assisted activity, or the proceeds from such activity, either for themselves or those with whom they have business or immediate family ties, during their tenure or for one year thereafter. Immediate family ties include (whether by blood, marriage, or adoption) the spouse, parent (including stepparent), child (including stepchild), brother, sister (including a stepbrother or stepsister), grandparent, grandchild, and in-laws of a covered person.
(b) Persons covered. The conflict of interest provisions of paragraph (a) of this section apply to any person who is an employee, agent, consultant, officer, or elected official or appointed official of the participating jurisdiction, State recipient, or subrecipient receiving HOME funds.
(c) Exceptions: Threshold requirements. Upon the written request of the participating jurisdiction to HCD, HUD may grant an exception to the provisions of paragraph (a) of this section on a case-by-case basis when it determines that the exception will serve to further the purposes of the HOME Investment Partnerships Program and the effective and efficient administration of the participating jurisdiction's program or project. See 24 CFR sections 92.356(d)(1-6) for details on the documentation needed in order to submit an exception request to HUD.

1.7. NON-DISCRIMINATION REQUIREMENTS
The Program will be implemented in ways consistent with the Sponsor’s commitment to non-discrimination. No person shall be excluded from participation Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 12
in, denied the benefit of, or be subject to discrimination under any program or activity funded in whole or in part with State or federal funds on the basis of race, color, ancestry, national origin, citizenship, immigration status, primary language, religion, disability (mental or physical), sex and gender, sexual orientation, gender identity, gender expression, genetic information, marital status, familial status (families with children under 18 or people who are pregnant), source of income, military or veteran status, or age.

2.0 APPLICANT QUALIFICATIONS

2.1. CURRENT INCOME LIMITS FOR THE AREA, BY HOUSEHOLD SIZE All applicants must certify that they meet the household income eligibility requirements for the applicable HCD program(s) and have their household income documented. The income limits in place at the time of loan approval will apply when determining applicant income eligibility. All applicants must have incomes at or below 80% of the County’s area median income (AMI), adjusted for household size, as published by HCD.
(See Attachment C for current income limits).

Household: Means one or more persons who will occupy a housing unit. Unborn children CHOOSE ONE AND DELETE THIS PROMPT AND ONE OF THESE TERMS, AND UNHIGHLIGHT: count /don’t count in family size determination.

Annual Income: Generally, this is the gross amount of income of all adult household members that is anticipated to be received during the coming 12-month period.

2.2. INCOME QUALIFICATION CRITERIA
Projected annual gross income of the applicant household will be used to determine whether they are above or below the HCD-published HUD income limits.

The annual income definition found at 24 CFR Part 5, as detailed in the most recent HCD program-specific guidance at https://www.hcd.ca.gov/grants-andfunding/income-limits/income-calculation-and-determination-guide, will be used to independently determine and certify the household’s annual gross income. The Program Operator should compare this annual gross income to the income the primary lender used when qualifying the household. The primary lender is usually underwriting to FHA or conventional guidelines and may not calculate the household income or assets in the same way as required by the Program. Income will be verified by examining at least 2 months of source documents evidencing annual income (e.g., wage statement, interest statement, unemployment compensation statement) and six months of checking statements for the household. All documentation shall be dated within six months prior to loan closing and kept in the applicant file and held in strict confidence.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 13
A. HOUSEHOLD INCOME DEFINITION:

Household income is the annual gross income of all adult household members that is projected to be received during the coming 12-month period and will be used to determine program eligibility. For those types of income counted, gross amounts (before any deductions have been taken) are used. The income of live-in aides and the earned income of minors are not included in annual gross income calculations. Certain other household members living apart from the household also require special consideration.

The household’s projected income must be used, rather than past earnings, when calculating income.

See Attachment A: Income Inclusions and Exclusions
B. ASSETS:

There is no asset limitation for participation in the Program. Income, or imputed income from assets, however, is recognized as part of annual income under the 24 CFR Part 5 regulations (included as Attachments A and B). An asset is a cash or non-cash item that can be converted to cash.

The value of necessary items such as furniture and automobiles are not included. (Note: it is the income earned – e.g., interest on a savings account – or in some cases imputed income, not the asset value, which is counted in annual income.)
An asset’s cash value is the market value, less reasonable expenses required to convert the asset to cash, including, for example, penalties or fees for converting financial holdings, and costs for selling real property.

The cash value (rather than the market value) of an item is counted as an asset.

See Attachment B: Asset Inclusions and Exclusions

2.3. DEFINITION OF AN ELIGIBLE HOMEBUYER
Program Operators are required to use the following definition of an eligible homebuyer, which is a “first-time homebuyer” from 8201(m) Title 25 California Code of Regulations:
“First-time homebuyer” means an individual or individuals, or an individual and his or her spouse who have not owned a home during the three-year period before the purchase of a home with subsidy assistance, except that the following individual or individuals may not be excluded from consideration as a first-time homebuyer under this definition:

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 14

1. a displaced homemaker who, while a homemaker, owned a home with his or her spouse or resided in a home owned by the spouse.

A displaced homemaker is an adult who has not, within the preceding two years, worked on a full-time basis as a member of the labor force for a consecutive twelve-month period and who has been unemployed or underemployed, experienced difficulty in obtaining or upgrading employment and worked primarily without remuneration to care for his or her home and family;

2. a single parent who, while married, owned a home with his or her spouse or resided in a home owned by the spouse. A single parent is an individual who is unmarried or legally separated from a spouse and has one or more minor children for whom the individual has custody or joint custody or is pregnant; or

3. an individual or individuals who owns or owned, as a principal residence during the three-year period before the purchase of a home with assistance, a dwelling unit whose structure is:
a. not permanently affixed to a permanent foundation in accordance with local or state regulations; or
b. not in compliance with state, local, or model building codes and cannot be brought into compliance with such
codes for less than the cost of constructing a permanent structure.

3.0. HOUSING UNIT ELIGIBILITY

3.1. LOCATION AND CHARACTERISTICS
A. Housing units to be purchased must be located within the eligible area.

The eligible area is described as follows: “Within the Name of City, or the unincorporated areas of the County of XXX.”the City of Lakeport.

B. Housing unit types eligible for the Homebuyer Program are new or previously-owned single-family residences; condominiums; or manufactured homes in mobile home parks, in common-interest developments or on a single-family lot and placed on a permanent foundation system. HOME does not allow manufactured homes unless on a permanent foundation system.

C. All housing units must be in compliance with property standards in Section

1.3.B.3 of these Program Guidelines.

D. Housing units located within a 100-year flood zone will be required to provide proof of flood insurance with an endorsement naming the City? County? as loss payee in order to close escrow.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 15
E. Housing must be “modest”, in accordance with the federal HOME regulations at 24 CFR section 92.254(a)(2).

3.2. CONDITIONS
A. Construction Inspection and Determining Need for Repairs.

Once the participating homebuyer has executed a purchase agreement for a housing unit and, prior to a commitment of Program funds, the following steps must be taken for the housing unit to be eligible for purchase under the Program:
1) When the Sponsor’s Program utilizes Federal funds and if the housing unit was constructed prior to 1978 then the lead-based paint requirements of Section 3.2.C will apply.

The Program Operator is responsible to ensure that a certified housing inspector walks through the housing unit, determines if it is structurally sound, and identifies any code-related and health and safety deficiencies that need to be corrected. A list of necessary repair items will be given to the homebuyers and their Realtor to present to the seller’s agent.

If there are one or more health and safety deficiencies, and/or violations of applicable building codes noted in the written report, the Sponsor will approve the subsidy only if prior to close of escrow, and seller agrees to have necessary repairs made to the dwelling unit prior to transfer of property ownership, at the seller’s expense.

Upon completion of all work required by the Program Operator, Sponsor, appraiser, pest inspector and/or certified housing inspector, a final inspection will be conducted prior to close of escrow. The inspector will sign off on all required construction work assuring that each housing unit receiving Program assistance complies with Section 1.3.B.3. requirements of these Program Guidelines that the unit is decent, safe, sanitary, and in good repair, and that it meets all applicable State and local housing quality standards and code requirements and does not contain the specific deficiencies established by HUD based on the applicable standards in 24 CFR section 5.703 and published in the Federal Register for HOMEassisted projects and units, at the time of purchase and prior to occupancy. 2) Only new construction and homes built within the previous 12 months and not previously occupied are not subject to a home inspection.

B. Per 24 CFR section 92.214(a)(6), no additional HOME assistance, including rehabilitation funds, may be provided after the 1-year anniversary of the filing of the Project Completion Report through the end of the HOME Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 16
Affordability Period. The HOME Affordability Period is as follows (amount does not include Activity Delivery and Administration Costs paid to the State Recipient by HCD):

Amount of HOME Assistance Period of Affordability in Years Under $15,000 5 years
$15,000 to $40,000 10 years
Over $40,000 15 years
During the HOME Affordability Period, the home must remain occupied by the borrower or an eligible heir, as their primary residence, or else all HOME assistance becomes due and payable.

C. Lead-Based Paint Hazards: All housing units built prior to 1978 for which HOME funding is anticipated are subject to the requirements of this section

3.2.C. Such homes must undergo a visual assessment by a person who has taken HUD’s online Visual Assessment course. Deteriorated paint must be stabilized using work safe methods. Clearance must be obtained after paint stabilization by a DHS-certified LBP Risk Assessor/Inspector. HOME general administrative and activity delivery funds may be used to pay for lead-based paint visual assessments, and if lead mitigation and clearance costs are incurred, these programs may incorporate the costs into the calculation of Program assistance.

D. The following requirements must be met:
1) Notification: a) Prior to homebuyer’s obligation to purchase a home built prior to 1978, the Buyer will be given the most recent copy of and asked to read the EPA pamphlet “Protect Your Family From Lead in Your Home”. (EPA 747-K-94-001). A signed receipt of the pamphlet will be kept in the Sponsor’s homebuyer file; b) A notice to residents is required following a risk assessment/inspection using form DHS 8552, which is provided by the DHS-certified Risk Assessor/Inspector; c) a notice to residents is required following lead-based paint mitigation work using Visual Assessment and Lead-based Paint Notice of Presumption and Hazard Reduction form, LBP – 1 (Attachment H). 2) Disclosure: Prior to the homebuyer’s obligation to purchase a home built prior to 1978, the HUD disclosure (Attachment E), “Seller’s Leadbased Paint Disclosure” notice must be provided by the seller to the homebuyer.
3) Inspections: The Inspector shall conduct a “Visual Assessment” of all the dwelling unit’s painted surfaces to identify deteriorated paint. All deteriorated paint will be stabilized in accordance with CFR 35.1330 (a) Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 17
and (b); and a Clearance shall be made in accordance with CFR

35.1340.
4) Mitigation: If stabilization is required, the contractor performing the mitigation work must use appropriately-trained workers. Prior to the contractor starting mitigation work, the Program Operator shall obtain copies of the contractor’s and workers’ appropriate proof of LBP training, as applicable to the job, to assure that only qualified contractors and workers are allowed to perform the mitigation.

E. The Program Operator will: 1) confirm that the housing unit is within the eligible area, 2) will review each proposed housing unit to ensure that it meets all eligibility criteria before funding, and 3) ensure a completed Lead Compliance Document Checklist is placed in each purchaser’s file (see Attachment I).

F. Environmental Review: Program Operator conducts an Environmental Review in accordance with 24 CFR Part 58, and Sponsor’s NEPA Certifying Officer signs the appropriate form before any commitment of funds are made to the homebuyer. An acquisition must not include rehabilitation immediately after transfer of title, and requires completion of a HUD CENST form from the Environmental Review - HUD Exchange webpage.

3.3. ANTI-DISPLACEMENT POLICY AND RELOCATION ASSISTANCE Eligible homes will be those that are currently owner-occupied or have been vacant for three months prior to the acceptance of a contract to purchase. A unit is ineligible if its purchase would result in the displacement of a tenant. It is not anticipated that the implementation of the Program will result in the displacement of any persons, households, or families. However, if tenant-occupied homes are inadvertently included in the Program and relocation becomes necessary, the activity will be carried out in compliance with Sponsor’s relocation plan, which describes how those permanently displaced will be relocated and paid benefits in accordance with the following Federal laws.

A. Uniform Relocation Assistance (URA) and Real Property Acquisition Policies Act of 1970
The federal URA and Real Property Acquisition Policies Act of 1970, as amended, contains requirements for carrying out real property acquisition or the displacement of a person, regardless of income status, for a project or program for which HUD financial assistance (including HOME) is provided. Requirements governing real property acquisition are described in HUD’s CPD Handbook 1378.0. The implementing regulations, 49 CFR Part 24, require developers and owners to take certain steps regarding Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 18
tenants of housing to be acquired, rehabilitated, or demolished, including tenants who will not be relocated even temporarily.

B. Section104(d) of the Housing and Community Development Act of 1974
Section 104(d) requires each contractor (CHDO or State Recipient), as a condition of receiving assistance under HOME, to certify that it is following a residential anti-displacement plan and relocation assistance plan. Section 104(d) also requires relocation benefits to be provided to low-income persons who are physically displaced or economically displaced as the result of a HOME-assisted project, and requires the replacement of lowincome housing, which is demolished or converted. The implementing regulations for Section 104(d) can be found in 24 CFR Part 42, subpart (C).

3.4. PROPER NOTIFICATION AND DISCLOSURES
A. Upon selection of a housing unit, a qualified seller and homebuyer will be given the necessary disclosures for the Program. The homebuyer must have read and signed all Program disclosure forms. All property disclosures must be reviewed and signed by the homebuyer and seller.

B. All owners who wish to sell their housing units must receive an acquisition notice (Attachment F) prior to submission of the homebuyer’s original offer.

This notice will be included in the contract and must be signed by all owners on title. The disclosure must contain the items listed in 1.3.B. (required for federally-funded programs).

4.0. PURCHASE PRICE LIMITS
The purchase price limits for this Program shall not exceed the HOME Homeownership Value Limit for the Sponsor’s County as updated by HCD, or a temporary waiver limit approved by HUD and the Department.

Attachment C: HOME HOMEOWNERSHIP VALUE LIMITS *Sponsor will update these limits annually as HCD provides new information.

5.0. THE PRIMARY LOAN
Prior to obtaining a loan from the Sponsor, a homebuyer must provide evidence of approval for the maximum amount the primary lender is willing to loan (the “primary loan”), although the Program may limit the primary loan amount based on the debtto-income ratio maximums herein.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 19
A. QUALIFYING RATIOS
The front-end (housing) debt-to-income ratio shall be between 25% and 350% and is the percentage of a borrower’s gross monthly income (before deductions) that would cover the cost of the loan principal and interest payment, property taxes, property insurance, and mortgage insurance and HOA dues, if any.

The back-end (total) debt-to-income ratio shall be between 25% and 450% and is the percentage of a borrower’s gross monthly income that would cover the cost of housing as described in the paragraph above, plus any other monthly debt payments like auto or personal loans, credit card debt, and student debt, as well as child support and alimony payments.

Exceptions to these maximums must be documented and placed into each loan file, to demonstrate compensating factors.

The Program Operator must complete the HOME Subsidy Calculation Worksheet and place it into the loan file to document that the HOME assistance amount was appropriate, based on compliance with the debt ratio ranges in the two preceding paragraphs of this subsection. The Worksheet is currently accessible on the HOME webpage at:
https://www.hcd.ca.gov/grants-funding/grantsforms/docs/HOME_FTHB_Subsidy_Calculation_Worksheet_June_2013_Version.xls.

B. INTEREST RATE
The primary loan must have a fixed interest rate that does not exceed, by greater than one percent, the Freddie Mac 30-year Fixed Rate Mortgage rate at https://www.freddiemac.com/pmms.

The applicable Freddie Mac rate should be from the date the primary mortgage rate was locked, or else the date of HOME loan approval. No temporary interest rate buy-downs are permitted. The loan file must contain this documentation for Department monitoring purposes.

C. LOAN TYPE AND TERM
The primary loan shall be fully amortized and have a term “all due and payable” in no fewer than 30 years. There shall not be a balloon payment due before the maturity date of the Program loan.

D. IMPOUND ACCOUNT
All households will be required to have impound accounts for the payment of taxes and insurance to ensure they remain current.

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6.0. THE PROGRAM LOAN
A. MAXIMUM AMOUNT OF PROGRAM ASSISTANCE
For HOME, the amount of Program assistance to a homebuyer toward purchase of a home shall not exceed the HOME Maximum Per-Unit Subsidy Limits (“Subsidy Limits”) for the State of California. See Attachment C of these Program Guidelines for current Subsidy Limits. Any approved “grant” amount for lead-based paint evaluation and reduction activities or for relocation assistance shall be included in the Subsidy Limits evaluation, as shall Activity Delivery Costs.

B. NON-RECURRING CLOSING COSTS
Non-recurring costs such as credit report, escrow, closing and recording fees, and title report and title insurance, title updates and/or related costs may be included in the Program loan.

C. AFFORDABILITY PARAMETERS FOR HOMEBUYERS
The actual amount of a Homebuyer’s Program subsidy shall be computed according to the debt-to-income ratio parameters specified in Section 5.0.A. Each borrower shall receive only the subsidy needed to allow them to become homeowners (“the Gap”) while keeping their housing costs affordable. The Program Operator will use the “front-end ratio” of housing-expense-to-income to determine if the amount of the proposed primary loan is acceptable and, ultimately, the Program subsidy amount required, bridging the gap between the acquisition cost (purchase price plus closing costs) less down payment, and the amount of the primary loan.

D. RATE AND TERMS FOR PROGRAM LOAN
All Program assistance to individual households shall be made in the form of a deferred payment (of principal and interest) loan (DPL).

The Program loan’s term shall be for a maximum of 45 years. [TECHNICAL ASSISTANCE FROM HOME (please remove when editing): This must be at least as long as the primary mortgage period, and we recommend exceeding the term of the primary loan by 15 years.

The Program loan’s interest rate shall be 0% simple interest. [TECHNICAL ASSISTANCE FROM HOME (please remove when editing): this must be between 0-3%, and may even be different for lower income levels, and/or involve forgiveness of interest over time to incentivize longevity in the home] All Program loan payments shall be deferred because the borrowers will have their repayment ability fully utilized under the primary loan. Loan principal shall not be Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 21
forgiven, and the loan period cannot be extended, except for loans that are resubordinated when a rate and term refinance is approved, per Attachment D.

E. COMBINED LOAN-TO-VALUE RATIO
The loan-to-value ratio for a Program loan, when combined with all other indebtedness to be secured by the property, shall not exceed 100 percent of the sales price plus a maximum of up to 5 percent of the sales price to cover actual closing costs.

7.0. PROGRAM LOAN REPAYMENT (HOME RECAPTURE TERMS)
[TECHNICAL ASSISTANCE TO SPONSOR FROM HOME (please remove this prompt when editing): Choose one of the three options here and delete the other two. IMPORTANT: Your HOME Loan Agreement, and your other loan documents if they discuss loan repayment terms, must contain this same HOME Recapture language.]
[CHOICE #1 (remove this prompt): Recapture of Entire Direct Subsidy] Recapture of Entire Direct Subsidy
The Program Lender recaptures the entire amount of the direct HOME subsidy provided to the homebuyer, plus any interest due according to the terms of the HOME Promissory Note, before the homebuyer receives a return. The recapture amount is limited to the net proceeds available from the sale or foreclosure.

In cases where there is appreciation, (see definition of Appreciation), the homebuyer would retain any net proceeds exceeding the direct HOME assistance plus interest due that is recaptured.

In some cases, such as in declining housing markets, net proceeds available at the time of sale may be insufficient to recapture the entire direct HOME subsidy plus interest due provided to the homebuyer. Since the HOME Final Rule limits recapture to available net proceeds, the Program Lender can recapture only what is available from net proceeds. In a scenario where recapture provisions state that the entire direct HOME subsidy plus interest will be recaptured, and there are Example: A homebuyer receives $10,000 of HOME down payment assistance to purchase a home. The direct HOME subsidy to the homebuyer is $10,000, which results in a five-year Period of Affordability. If the homebuyer sells the home after three years, the grantee or state would recapture, assuming that there are sufficient net proceeds, the entire $10,000 direct HOME subsidy plus any interest due according to the terms of the HOME Promissory Note. The homebuyer would receive any net proceeds in excess of that amount.

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insufficient net proceeds available at sale, the Program Lender is not required to repay to the Department, and the Department is not required to pay back to HUD the difference between the total direct HOME subsidy and the amount available for recapture from net proceeds.
[CHOICE #2 (remove this prompt): Owner Initial Investment Returned First] Owner Initial Investment Returned First
The homebuyer shall recover, if available, their entire down payment before recapture is calculated. Once the net proceeds from the sale are determined, the homeowner’s initial investment is then deducted from the remaining net proceeds available for recapture. The entire HOME subsidy plus interest is recaptured from the remaining net proceeds. The homeowner retains the remaining net proceeds.

Where net proceeds are insufficient to repay all or any of the homeowner’s initial investment, the homebuyer will not receive the full amount of their initial investment. They will receive only what net proceeds are available. The Lender may not be able to recapture the full amount due under the recapture agreements from the net proceeds available. In such circumstances, neither the Program Lender nor the Department are responsible for repaying to the account that provided original assistance the difference between the amount of direct HOME subsidy due and the recaptured amount available from net proceeds. [CHOICE #3 (remove this prompt): Shared Net Proceeds: Lender shares appreciation with the homebuyer.]
Shared Net Proceeds
If net proceeds are not sufficient to recapture the entire HOME investment or a reduced amount as described above or enable the homebuyer to recover the amount of the down payment and any investment in the form of capital improvements made by the homebuyer since purchase, the Lender will share the Example: A homebuyer received $5,000 in HOME downpayment assistance and provided $5,000 of their own funds for down payment. After purchasing the home, the homebuyer invested $2,000 for capital improvements to the property. Two years into the 5-year Period of Affordability, the homebuyer decides to sell the home. The Lender’s recapture provisions allow the HOMEassisted homebuyer to recover, from net proceeds, their entire investment in the property before the Lender recaptures any HOME subsidy. The net proceeds from the sale total $10,000. The homebuyer recovers their $7,000 investment (down payment plus capital improvements) from the net proceeds of the sale. The Lender is able to recapture, from the remaining net proceeds, only $3,000 of its original $5,000 investment. The Lender is not responsible for repaying to the Department the $2,000 difference between the recapture amount due and what is available from net proceeds.

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net proceeds. Homebuyer must have documented evidence of the costs of any capital improvements made in order to include those costs in the shared net proceeds calculation.

To calculate the amount of net proceeds (or shared appreciation) to be returned to the Lender, the Lender will:
● Divide the direct HOME subsidy by the sum of the direct HOME subsidy and the homebuyer’s investment, then without rounding the result, ● Multiply by the net proceeds to calculate the amount of HOME investment to return to the Lender.

To calculate the amount of net proceeds (or shared appreciation) available to the homebuyer, the Lender will:
● Divide the homebuyer’s investment by the sum of the direct HOME subsidy and the homebuyer’s investment, then without out rounding the result, ● Multiply by the net proceeds to calculate the amount of homebuyer investment to return to the homebuyer.

7.1. PAYMENTS ARE VOLUNTARY
Borrowers may begin making voluntary payments at any time, without penalty.

Payments will be applied to principal, thus reducing accrual of simple interest.

Example: A homebuyer received $10,000 in HOME down payment assistance and provided $2,000 of her own funds for the down payment. She also invested another $3,000 on capital improvements to the property. She is selling the home after two years. The Lender has structured its recapture policies to share the net proceeds between the HOME-assisted homebuyer and Lender. In this example, the net proceeds of the sale are $5,000. Using the two formulas set forth above, the amount of the net proceeds to be recaptured by the Lender is $3,333.

$10,000 X $5,000 = $3,333
($10,000 + $5,000)
The amount of the net proceeds to be recovered by the homebuyer is $1,667.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 24

7.2. RECEIVING LOAN PAYMENTS
A. Voluntary Program loan payments, and loan payoffs, shall be made to:

City of Lakeport
Finance Department
225 Park Street
Lakeport, CA 95453
Name of State Recipient (Program Sponsor)
Address
City, State, Zip
B. The Sponsor shall be the receiver of loan payments or recaptured funds and will maintain a financial record-keeping system to record payments and file statements on payment status. Payments shall be deposited and accounted for in the Sponsor’s Program Income Account, as required by the HOME program. The Program lender will accept loan payments from borrowers prepaying deferred loans, and from borrowers making payments in full upon sale or transfer of the property. All loan payments are payable to the Sponsor. The Sponsor may, at its discretion, enter into an agreement with a third party to collect and distribute payments and/or complete all loan servicing aspects of the Program.

7.3. DUE UPON SALE OR TRANSFER
If an owner sells, transfers title, or discontinues principal residency in the purchased property during the HOME Affordability Period for any reason, the loan is immediately due and payable pursuant to the Recapture (loan repayment) terms in the HOME Loan Agreement.

Notwithstanding the foregoing, if the owner of the property dies, even after the HOME Affordability Period expires, an heir may assume the HOME loan at the same rate and terms, if the heir’s household meets each of the following requirements:
• does not exceed the current HOME income limits; and
• will immediately occupy the home as their principal residence.

During the HOME Affordability Period, if the property owner dies and the heir does not meet these HOME eligibility requirements, the loan is due and payable.

The loan will be in default if the borrower fails to maintain required fire or flood insurance or fails to pay property taxes. See Attachment D on loan defaults for further information on property restrictions.

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7.4. LOAN SERVICING POLICIES AND PROCEDURES
See Attachment D for local loan servicing policies and procedures. While the attached policy outlines a system that can accommodate a crisis that restricts borrower repayment ability, it should in no way be misunderstood: The loan must be repaid. All legal means to ensure the repayment of a delinquent loan as outlined in the Loan Servicing Policies and Procedures shall be pursued.

7.5. LOAN MONITORING PROCEDURES
Sponsor must monitor Borrowers and their homes annually to ensure adherence to Program requirements including, but not limited to, the following:

A. Owner-occupancy during the Period of Affordability
B. Property tax payment
C. Hazard insurance coverage
D. Good standing on Primary loans

8.0. PROGRAM LOAN UNDERWRITING AND APPROVAL
A. Loan Underwriting
All homebuyers or their representatives shall receive an eligibility packet with all the necessary forms, disclosures, information, and application. The homebuyer must submit a complete application packet with all the Sponsor’s Program loan documents executed, as well as all the information from the primary lender. The primary lender shall submit copies of the following to the Sponsor: 1) fully-executed property sales contract with proper seller notification; 2) mortgage application with good faith estimates and first mortgage disclosures; 3) full mortgage credit report and rent verification; 4) current third-party income verifications and verifications of assets; 5) homeownership education certificate, if applicable; and 6) signed underwriting transmittal summary and final signed loan application, both from primary lender. Staff will work with local lenders to ensure qualified participants receive only the benefit from the Sponsor’s Program needed to purchase the housing unit and that leveraged funds will be used when possible.

B. Creditworthiness
Qualifying ratios are only a rough guideline in determining a potential borrower’s creditworthiness. Many factors such as credit history, amount of down payment, and size of loan will influence the decision of the primary lender to approve or disapprove a particular loan. The borrower’s credit Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 26
history will be reviewed by the Sponsor and documentation of such maintained in the loan file. The Sponsor may elect to obtain a credit report or rely on a current copy obtained by the primary lender. The Sponsor must use the information on the credit report for each adult borrower for its calculations of front-end and back-end debt-to-income ratios.

C. Documents from Primary Lender
After initial review of the qualified homebuyer's application packet, the Program Operator will request any additional documents needed.

Documents may be e-mailed or faxed. Based on receipt and review of the final documents, the Program Operator will complete, sign, and date an income certification (using the most-recent HCD program’s guidance on income calculation and determination), and homebuyer certification (review of credit report and income taxes). Documentation of affordability shall then be verified, and a subsidy amount will be determined by the Program Operator.

D. Disclosure of Program and Loan Information to Homebuyers The Program will inform the borrower of the results of the income determination process, including the permissible range of primary mortgage payments and the maximum purchase price possible. Information on the Program’s application will be documented with third-party verifications and/or documents in the file. For example, the sales contact will provide the final purchase price and outline how much of the closing costs are to be paid by the seller, etc. The appraisal, termite, and title reports provide information to substantiate the information in the sales contract and guide the construction inspection. The Program loan application provides current debt and housing information and will be documented by the credit report and income/asset verifications. The primary lender’s approval letter and estimated closing cost statement should reflect all the information in the loan package and show any contingencies of loan funding. Reviewing the primary lender’s loan underwriting documentation will provide basic information about the qualification of the applicant and substantiate the affordability provided by the Program loan. By reviewing and crosschecking all the primary lender information, the final Program loan amount approved will fall within the affordability parameters of the Program.

8.1. COMPLETION OF UNDERWRITING AND APPROVAL OF PROGRAM LOAN Once the loan approval package has been completed, the Program Operator will submit it to the Sponsor for approval. Sponsor will review the request and may approve it with or without conditions. Upon approval, a final closing date for escrow is set, and Program funds are provided to the homebuyer.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 27

8.2. PRIMARY AND PROGRAM LOAN DOCUMENT SIGNING
The homebuyer(s) sign promissory notes, loan agreements, deeds of trust, and statutory lending notices (Truth In Lending (TIL), etc.); the Deeds of Trust are recorded with the County Clerk/Recorder at the same time, and the request(s) for a copy of Notice of Default are also recorded with the County Clerk/Recorder.

8.3. ESCROW PROCEDURES
The escrow/title company shall review the escrow instructions provided by the Program Lender and shall issue California Land Title Association (CLTA) and American Land Title Association (ALTA) policies to the homebuyer and the Program Lender after closing. The CLTA policy is issued to the homebuyer and protects them against failure of title based on public records and against such unrecorded risks as forgery of a deed. The ALTA policy is issued to each lender providing additional coverage for the physical aspects of the property, as well as the homebuyer’s title failure. These aspects include anything which can be determined only through physical inspection, such as correct survey lines, encroachments, mechanics liens, mining claims, and water rights. The Program Lender instructs the escrow/title company in the escrow instructions what may show on the policy, the amount of insurance on the policy (all liens should be covered), and the loss payee (each lender should be listed as a loss payee and receive an original ALTA policy).

9.0. SUBORDINATE FINANCING
Subordinate loans may be used to cover mortgage subsidy costs that exceed the Program maximum loan amount. All subordinate liens must have the payments deferred, and the term must be for at least as long as the term of the Program loan.

10.0. EXCEPTIONS AND SPECIAL CIRCUMSTANCES
The Sponsor may make amendments to these Participation Guidelines. Any changes shall be made in accordance with regulations and approved by the Sponsor’s HOME Program Representative or Program Manager. If internally required, the Sponsor’s Loan Committee and/or governing body would then need to approve said changes.

10.1. DEFINITION OF EXCEPTION
Any case to which a standard policy or procedure, as stated in the guidelines, does not apply or an applicant treated differently from others of the same class would be an exception.

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10.2. PROCEDURES FOR EXCEPTIONAL CIRCUMSTANCES
A. The Sponsor or its agent may initiate consideration of an exception and prepare a report. This report shall contain a narrative, including the Sponsor's recommended course of action and any written or verbal information supplied by the applicant.

B. The Sponsor shall make a determination regarding the exception request based on the recommendation of the Program Operator. The request can be presented to the Sponsor’s loan committee and/or governing body for a decision.

C. Note: such exceptions may not directly or indirectly discriminate against protected classes under all current federal fair housing law and state statutes and regulations.

11.0. DISPUTE RESOLUTION AND APPEALS PROCEDURE
Any applicant denied assistance from the Program has the right to appeal.

Complaints concerning the Program should be made to the Program Operator first.

If unresolved in this manner, the complaint or appeal must be made in writing and filed with the Sponsor. The Sponsor will then schedule a meeting with the Loan Review Committee. Their written response will be made within thirty (30) working days. If the applicant is not satisfied with the Committee's decision, a request for an appeal may be filed with the Sponsor’s governing body. Final appeal must be filed in writing with HCD within one year after denial.

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ATTACHMENT A
Income Inclusions and Exclusions
The Program Operator shall access the current federal income determination regulations online at https://www.ecfr.gov/current/title-24/subtitle-A/part-5/subpart-F/subjectgroup-ECFR174c6349abd095d/section-5.609, regarding income inclusions and exclusions.

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ATTACHMENT B
Asset Inclusions and Exclusions
The Program Operator shall access the current federal income determination regulations at https://www.ecfr.gov/current/title-24/subtitle-A/part-5/subpart-F/section-5.603 regarding the definition of Net family assets, to which the regulations at section 5.609 refer.

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ATTACHMENT C
HOME HOMEOWNERSHIP VALUE LIMITS FOR XXX LAKE COUNTY*
(Limits effective 9/1/2024) TO BE UPDATED WHEN IMPLEMENTED

EXISTING

CONSTRUCTION
NEW

CONSTRUCTION
(less than 12 months
old)
$XXX,XXX $XXX,XXX
[Note from HOME to remove: if you have exception limits approved by HOME, modify this table as needed and indicate from/through date of the exception]

HOME MAXIMUM PER-UNIT SUBSIDY LIMITS FOR CALIFORNIA
(Limits effective 2/13/2024) TO BE UPDATED WHEN IMPLEMENTED O-BDR 1-BDR 2-BDR 3-BDR 4-BDR
$181,488 $208,049 $252,994 $327,293 $359,263
HOME INCOME LIMITS FOR LAKEXXX COUNTY*
(Limits effective 6/1/2024) TO BE UPDATED WHEN IMPLEMENTED Number of Persons in Household
1 2 3 4 5 6 7 8
80% of
AMI
$ $ $ $ $ $ $ $
*Sponsor will insert these limits for the county in which the Program is located and will update the limits annually as HCD provides new information. The link to the official, HCD-maintained Value, Subsidy, and income limits is: State and Federal Income, Rent, and Loan/Value Limits | California Department of Housing and Community Development (for HOME limits, choose “CDBG, HOME and NHTF/HHC Article I - Income, Value, Subsidy and Rent Limits”).

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 32

ATTACHMENT D

LOAN SERVICING POLICIES AND PROCEDURES

FOR CITY OF LAKEPORTNAME OF STATE RECIPIENT

The City of Lakeport Name of State Recipient, hereafter called “Lender,” has adopted these policies and procedures to preserve its financial interest in properties whose “Borrowers” have been assisted with public funds. The Lender will, to the greatest extent possible, follow these policies and procedures, but each loan will be evaluated and handled on a case-by-case basis. The Lender has formulated this document to comply with state and federal regulations regarding the use of these public funds and the property restrictions associated with them.

The policies and procedures are broken down into the following areas: 1) making required monthly payments or voluntary payments on a loan’s principal and interest; 2) required payment of property taxes and insurance; 3) required Request for Notice of Default on all second mortgages; 4) loans with annual occupancy restrictions and certifications; 5) required noticing and limitations on any changes in title or use of property; 6) required noticing and process for requesting a subordination during a refinance; and 7) processing of foreclosure in case of default on the loan.

1. Loan Repayments:

Promissory Notes are for deferred payment loans, but the Lender must accept voluntary payments on the loan. Loan payments will be credited to principal. The Borrower may repay the loan balance at any time with no penalty.

Program loan payments, and loan payoffs, shall be made to:

City of Lakeport
225 Park Street
Lakeport, CA 95453
Name of State Recipient
Address
City, State, Zip

2. Payment of Property Taxes and Insurance:

As part of keeping the loan from going into default, borrower must maintain property insurance coverage naming the Lender as loss payee.

When a property is in a 100-year floodplain, the Borrower will be required to carry the necessary flood insurance. A certificate of insurance for flood and for standard property insurance with an endorsement naming the City? County? as lender loss payee will be Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 33
required at close of escrow. The Lender will verify the insurance on an annual basis.

Property taxes must be kept current during the term of the loan. The Lender requires Borrower to have impound accounts set up with their first mortgagee wherein they pay their taxes and insurance as part of their monthly mortgage payment.

3. Required Request for Notice of Default:

When the Borrower’s loan is in second position behind an existing first mortgage, it is the Lender's policy to prepare and record a "Request for Notice of Default" for each senior lien in front of Lender’s loan. This document requires any senior lienholder listed in the notice to notify the Lender of initiation of a foreclosure action. The Lender will then contact the Borrower and assist them in bringing the first loan current, if possible. The Lender can also monitor the foreclosure process and go through the necessary analysis to determine if the loan can be made whole or preserved. When the Lender is in a third position and receives notification of foreclosure from only one senior lienholder, it is in their best interest to contact any other senior lienholders regarding the status of their loans.

4. Annual Occupancy Restrictions and Certifications:

On owner-occupant loans, the Lender will require that Borrowers submit utility bills and/or other documentation annually to prove occupancy during the term of the loan. Annual occupancy verification will occur every January and is due withing 30 days of notice. [Option #1: within 45 days of the anniversary date of the loan; Option #2: between [NAME OF MONTH] 1 and 15 of each year for the term of the loan].

5. Required Noticing and Restrictions on Any Changes of Title or Occupancy:

In all cases where there is a change in title, occupancy, and/or use, the Borrower must notify the Lender in writing of the change.

If a transfer of the property occurs through inheritance, the heir (as owner-occupant) may be provided the opportunity to assume the loan, provided the heir is income eligible. If the heir intends to occupy the property and is not low-income, the balance of the loan is due and payable.

If the owner moves out and converts the owner-occupied unit into a rental unit before the end of the HOME Affordability Period, the loan is due in full, unless the owner moves back in immediately.

Conversion to use other than residential use is not allowable where the full use of the property is changed from residential to commercial or other. In some cases, Borrowers may request that the Lender allow for a partial conversion where some of the residence is used for a business, but the household still resides in the property. Partial conversions Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 34
can be allowed if it is reviewed and approved by all agencies required by local statute. If the use of the property is converted to a fully non-residential use, the loan balance is due and payable.

6. Requests for Subordinations:

When a Borrower wishes to refinance their existing first mortgage, they must submit a subordination request to the Program Lender. Approved refinancing of senior debt will be limited by the Department to circumstances in which the original homebuyer is securing more favorable terms that reduce monthly housing costs, or if sufficient equity exists, to take cash out for only items such as for immediate repairs to the property to correct identified health and safety violations.

There can be no third-party debt payoffs or additional encumbrances on the property. The total indebtedness on the property should not exceed the current market value, except when the borrower is obtaining a federally-sponsored refinance program loan. If said loan is approved and meets all other requirements, Combined Loan-To-Value will not be considered when reviewing the subordination request.

Also, the loan must:

1. be fully amortized and have a fixed interest rate that does not exceed the current market rate, as established by an index identified in these Program Guidelines;

2. not have a temporary interest rate buy-down;

3. have a term “all due and payable” that matures prior to or concurrently with the maturity date of the Promissory Note. Therefore, the maturity date of the existing Promissory Note shall be modified to coincide with the maturity date of the new first mortgage; and

4. not have a balloon payment due before the maturity date of the Program loan.

Upon receiving the proper documentation from the refinance lender, the request will be considered by the Sponsor’s loan committee for review and approval. Upon approval, the escrow company will provide the proper subordination document for execution and recordation by the Sponsor.

7. Process for Loan Foreclosure:

Upon any condition of loan default, such as non-payment, lack of insurance or property tax payment, change in title or use without approval, or default on senior loans, the Lender will send out a letter to the Borrower notifying them of the default status. If the default status continues, the Lender may start the formal process of foreclosure.

When a senior lienholder starts a foreclosure process and the Lender is notified via a Request for Notice of Default, the Lender, who is the junior lienholder, may cancel the foreclosure proceedings by "reinstating" the senior lienholder. The reinstatement amount or payoff amount must be obtained by contacting the senior lienholder. This amount will include all delinquent payments, late charges, and fees to date. Lender must confer with Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 35
Borrower to determine if, upon paying the senior lienholder current, the Borrower can provide future payments. If this is the case, then the Lender may cure the foreclosure and add the costs to the balance of the loan with a Notice of Additional Advance on the existing note. HOME funds may not be used for this purpose.

If the Lender determines, based on information on the reinstatement amount and status of Borrower, that bringing the loan current will not preserve the loan, then staff must determine if it is cost effective to protect their position by paying off the senior lienholder in total and restructuring the debt such that the unit is made affordable to the Borrower.

If the Lender does not have sufficient funds to pay the senior lienholder in full, then they may choose to cure the senior lienholder and foreclose on the property themselves. If there is sufficient value in the property, then the Lender can afford to pay for the foreclosure process, pay off the senior lienholder, and retain some or all of its investment.

If the Lender decides to reinstate, the senior lienholder will accept the amount to reinstate the loan until five (5) days prior to the set "foreclosure sale date." This "foreclosure sale date" usually occurs about four (4) to six (6) months from the date of recording of the "Notice of Default." If the Lender fails to reinstate the senior lienholder before five (5) days prior to the foreclosure sale date, the senior lienholder will then require a full payoff of the balance, plus related foreclosure administrative costs, to cancel foreclosure. If the Lender determines the reinstatement and maintenance of the property is not cost effective and allows the senior lienholder to complete foreclosure, the Lender's lien may be released once net available proceeds are received, if any.

Lender as Senior Lienholder
When the Lender is first position as a senior lienholder, active collection efforts will begin on any loan that is 31 or more days in arrears. Attempts will be made to assist the homeowner in bringing and keeping the loan current. These attempts will be conveyed in an increasingly urgent manner until loan payments have reached 90 days in arrears, at which time the Lender may consider foreclosure. Lender’s staff will consider the following factors before initiating foreclosure:
1) Can the loan be cured, and can the rates and terms be adjusted to allow for affordable payments such that foreclosure is not necessary? 2) Can the Borrower refinance with a private lender and pay off the Lender? 3) Can the Borrower sell the property and pay off the Lender? 4) Does the balance warrant foreclosure? (If the balance is under $5,000, the expense to foreclose may not be worth pursuing.)
5) Will the sales price of home "as is" cover the principal balance owing, necessary advances, (maintain fire insurance, maintain or bring current delinquent property taxes, monthly yard maintenance, periodic inspections of Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 36
property to prevent vandalism, etc.) foreclosure, and marketing costs? If the balance is substantial and all the above factors have been considered, the Lender may opt to initiate foreclosure. The Borrower must receive, by certified mail, a thirty-day notification of foreclosure initiation. This notification must include the exact amount of funds to be remitted to the Lender to prevent foreclosure (such as, funds to bring a delinquent BMIR current or pay off a DPL).

At the end of thirty calendar days, the Lender should contact a reputable foreclosure service or local title company to prepare and record foreclosure documents and make all necessary notifications to the owner and junior lienholders. The service will advise the Lender of all required documentation to initiate foreclosure (Note and Deed of Trust usually) and funds required from the owner to cancel foreclosure proceedings. The service will keep the Lender informed of the progress of the foreclosure proceedings.

When the process is completed, and the property has "reverted to the beneficiary" at the foreclosure sale, the Lender could sell the home themselves under a homebuyer program or use it for an affordable rental property managed by a local housing authority or use it for transitional housing facility or other eligible use. The Lender could contract with a local real estate broker to list and sell the home and use those funds for program income eligible uses.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 37

ATTACHMENT E
SELLER’S LEAD-BASED PAINT DISCLOSURE
Disclosure of Information on Lead-Based Paint and/or Lead-Based Paint Hazards Lead Warning Statement
Every purchaser of any interest in residential real property on which a residential dwelling was built prior to 1978 is notified that such property may present exposure to lead from lead-based paint that may place young children at risk of developing lead poisoning. Lead poisoning in young children may produce permanent neurological damage, including learning disabilities, reduced intelligence quotient, behavioral problems, and impaired memory. Lead poisoning also poses a particular risk to pregnant women. The seller of any interest in residential real property is required to provide the buyer with any information on lead-based paint hazards from risk assessments or inspections in the seller’s possession and notify the buyer of any known lead-based paint hazards. A risk assessment or inspection for possible lead-based paint hazards is recommended prior to purchase.

Seller’s Disclosure
(a) Presence of lead-based paint and/or lead-based paint hazards (check (i) or (ii) below):
(i) ____ Known lead-based paint and/or lead-based paint hazards are present in the housing (explain).
________________________________________________________ (ii)____ Seller has no knowledge of lead-based paint and/or lead-based paint hazards in the housing.
(b) Records and reports available to the seller (check (i) or (ii) below):
(i) ____ Seller has provided the purchaser with all available records and reports pertaining to Lead-based paint and/or lead-based paint hazards in the housing (list documents below). ————————————————————————————————————————
(ii) ____Seller has no reports or records pertaining to lead-based paint and/or lead-based paint hazards in the housing.

Purchaser’s Acknowledgment (initial)
(c)____Purchaser has received copies of all information listed above. (d)____Purchaser has received the pamphlet Protect Your Family from Lead in Your Home. (e)____Purchaser has received a 10-day opportunity (or mutually agreed upon period) to conduct a risk assessment or inspection for the presence of lead-based paint and/or lead-based paint hazards.

Agent’s Acknowledgment (initial)
(f)____ Agent has informed the seller of the seller’s obligations under 42 U.S.C. 4852d and is aware of his/her responsibility to ensure compliance.

Certification of Accuracy
The following parties have reviewed the information above and certify, to the best of their knowledge, that the information they have provided is true and accurate. —————————— —————————— ————————— —————————
Seller Date Seller Date
—————————— —————————— ————————— —————————
Purchaser Date Purchaser Date
—————————— —————————— ————————— —————————
Agent Date Agent Date
Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 38

ATTACHMENT F
Disclosure to Seller with Voluntary, Arm's Length Purchase Offer

DECLARATION
This is to inform you that would like to purchase the property, located at , if a satisfactory agreement can be reached. We are prepared to pay $____________ for a clear title to the property under conditions described in the attached proposed contract of sale.

Because Federal funds may be used in the purchase, however, we are required to disclose to you the following information:

1. The sale is voluntary. If you do not wish to sell, the buyer, ___________________, thru the agency, _____________ will not acquire your property. The buyer does not have the power of eminent domain to acquire your property by condemnation (i.e., eminent domain) and the agency/Sponsor ________________________________ will not use the power of eminent domain to acquire the property.

2. The estimated fair market value of the property is $__________ and was estimated by _______________________________________, to be finally determined by a professional appraiser prior to close of escrow.

Since the purchase would be a voluntary, arm’s-length transaction, you would not be eligible for relocation payments or other relocation assistance under the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970 (URA), or any other law or regulation. Also, as indicated in the contract of sale, this offer is made on the condition that no tenant will be permitted to occupy the property before the sale is completed.

Again, please understand that if you do not wish to sell your property, we will take no further action to acquire it. If you are willing to sell the property under the conditions described in the attached contract of sale, please sign the contract, and return it to us at:
_______________________________________________. If you have any questions about this matter, please contact __________________________at ______________________.

Sincerely,
___________________________________
Title
_________________________________ _____________________ Buyer Date
_________________________________ _____________________ Buyer Date
Form continues on next page with Seller’s Acknowledgment Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 39
Disclosure to Seller with Voluntary, Arm's Length Purchase Offer (Page 2)
Acknowledgement
As the Seller I/we understand that will inspect the property for health and safety deficiencies. I/we also understand that public funds may be involved in this transaction and, as such, if the property was built before 1978, a leadbased paint disclosure must be signed by both the buyer and seller, and that a Visual Assessment will be conducted to determine the presence of deteriorated paint.

As the Seller, I/we understand that under the City’s? County’s? program, the property must be currently owner-occupied, vacant for three months at the time of submission of purchase offer, new (never occupied), or renter purchasing the unit. I/we hereby certify that the property is:
☐ Vacant at least 3 months; ☐ Owner-occupied; ☐ New; or ☐ Being Purchased by its Occupant
I/we hereby certify that I have read and understand this “Declaration” and:
☐ a copy of said Notice was given to me prior to the offer to purchase.

If received after presentation of the purchase offer, I/We choose:
☐ to withdraw, or ☐ not to withdraw, from the Purchase Agreement. __________________________________ _______________________ Seller Date
__________________________________ _______________________ Seller Date
Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 40

ATTACHMENT G

NAME OF STATE RECIPIENTCITY OF LAKEPORT

INSTRUCTIONS TO HOMEBUYER
A. Participant works with lender of choice to obtain the primary lender’s pre-qualification letter.

B. Program Operator reviews paperwork to determine program eligibility and financing affordability for participant.

C. Program Operator staff meets with qualified applicant to provide information relative to the program requirements, the lending process, and homeownership responsibilities.

D. After consultation with Program Operator regarding approved bedroom and bathroom maximums, if any, and HOME Value Limit, participant works with real estate agent to select home. Program disclosures are reviewed with agent for presentation to seller.

The HOME Program allows only homes vacant for three months or more prior to the date of the purchase offer, unless the current tenant is purchasing the home or the seller has been the only occupant during those three months, to prevent displacement of rental occupants.

E. Participant selects home and enters into a purchase contract, contingent upon receiving Program loan approval and achieving Environmental Review clearance (see Section

1.3.D). Primary lender provides the Program Operator with a copy of:
- real estate sales contract, including all addendums and counteroffers, all fully-executed
- residential loan application and credit report
- verified income documentation
- disclosure statement
- proof of personal funds for participation in program
- breakdown of closing costs
- structural pest control clearance
- appraisal with photos and preliminary title report
F. Program Operator has home inspected to document health & safety and code compliance. Notice of any deficiencies or needed corrections are given to participant's real estate agent, with recommended course of action. Only new construction and homes built within the previous 12 months and not previously occupied are exempt from the home inspection requirement.

G. Program Operator requests loan approval from Sponsor’s Loan Review Committee.

Following loan approval, Program Operator prepares Deed of Trust, Promissory Note, Request for Notice of Default, Grant Agreement, Owner-Occupant Agreement with Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 41
City? County? and Escrow Instructions, and requests check and deposits same into escrow.

H. Escrow company furnishes Program Operator with proof of documents to be recorded, and any escrow closeout information. After receipt of recorded loan documents, Final escrow Settlement Statement, Insurance Loss Payee Certification, and Final Title Insurance Policy, the Program Operator closes out the loan file.

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 42

ATTACHMENT H

LEAD-BASED PAINT

VISUAL ASSESSMENT, NOTICE OF PRESUMPTION, AND HAZARD REDUCTION FORM Section 1: Background Information
Property Address: No LBP found or LBP exempt □
Select one: Visual Assessment □ Presumption □ Hazard Reduction □ Section 2: Visual Assessment. Fill out Sections 1, 2, and 6. If paint stabilization is performed, also fill out Sections 4 and 5 after the work is completed.

Visual Assessment Date: Report Date:

Check if no deteriorated paint found □
Attachment A: Summary where deteriorated paint was found.

Section 3: Notice of Presumption. Fill out Sections 1, 3, 5, and 6. Provide to occupant w/in 15 days of presumption.

Date of Presumption Notice:

Lead-based paint is presumed to be present □ and/or Lead-based paint hazards are presumed to be present □
Attachment B: Summary of Presumption:

Section 4: Notice of Lead-Based Paint Hazard Reduction Activity. Fill out Sections 1, 4, 5, and

6. Provide to occupant w/in 15 days of after work completed.

Date of Hazard Reduction Notice:

Initial Hazard Reduction Notice? Yes □ No □ Start & Completion Dates:

If “No”, dates of previous Hazard Reduction Activity Notices:

Attachment C: Activity locations and types.

Attachment D: Location of building components with lead-based paint remaining in the rooms, spaces, or areas where activities were conducted.

Section 6: Contact
Information
Organization:

Contact Name: Contact Signature:

Date: Address: Phone:

Name of State RecipientCity of Lakeport HOME Program First-Time Homebuyer Program Guidelines Page 43

ATTACHMENT I
Homebuyer Program Lead Compliance Document Checklist
The following documents should be in each Homebuyer unit file to document compliance with the lead requirements:

Document Name Purpose
✔
Lead Safe Housing Rule Screening Sheet Documents
exemptions
Physical inspection form (HQS or equivalent) Documents visual assessment results
Seller Certification Seller certifies that
paint was stabilized
by qualified workers
and that safe work
practices were
followed during paint
stabilization
Clearance Report and Clearance Review Worksheet Documents that unit passed clearance
Lead-Based Paint and/or Lead-Based Paint Hazards
Disclosure Form DOC_12345.PDF (hud.gov)
Documents that
buyer received
disclosure and
pamphlet.

Lead Hazard Reduction Notice LSHR-Sample-Notice-ofLead-Hazard-Reduction.pdf (hudexchange.info)Documents that buyer received
required lead hazard
reduction notification.

This was taken from the HUD Website at:
http://portal.hud.gov/hudportal/documents/huddoc?id=20264_leadcompliance.doc Notice of Public Meeting on the Status of CDBG Funded Activities NOTICE IS HEREBY GIVEN that the City of Lakeport will hold a public hearing on August 18, 2026, at 6 p.m. at Lakeport City Hall located at 225 Park Street. The purpose of the hearing will be to update residents on the progress of the City of Lakeport Housing Program Implementation Plan. The project is being funded through a Community Development Block Grant provided by the California Housing and Community Development Authority.

The following information related to the project is available at 225 Park Street Lakeport CA, between the hours of 8:00am – 5:30pm on Monday through Thursday, or by emailing the contact listed below:

Joey Hejnowicz: [email protected]
A. Project progress/status of completion and expected timeframe to completion B. Results to date and projected totals, such as number of beneficiaries assisted, housing units completed, portion of project in service, or persons served.

C. Funds expended, balance of funds available, and budget expectations to completion.

All persons interested in the status of funding, or the progress of the project are welcome to attend this meeting. Written comments can be directed to the City if Lakeport, at 225 Park Street Lakeport CA, or you may contact Joey Hejnowicz by telephone or email at (707) 263-5615, [email protected] no later than 3:30 p.m. on August 18, 2026 to ensure placement in the official record of the hearing.

The City of Lakeport does not discriminate on the basis of race, color, national origin, sex, sexual orientation, gender identify, age, religion or disability. If you require specific accommodations to participate in the public hearing, please contact Joey Hejnowicz at least 3 days prior to the scheduled hearing.

Aviso de Audiencia Pública sobre el Estado de las Actividades Financiadas con Fondos CDBG
POR LA PRESENTE SE NOTIFICA que la Ciudad de Lakeport llevará a cabo una audiencia pública el Agosto Diez y ocho a las seis p.m. en municipio de Lakeport localizado en 225 Park Street. El propósito de la audiencia será informar a los residentes sobre el progreso del City of Lakeport Housing Program Implementation Plan. El proyecto está siendo financiado mediante una Subvención en Bloque para el Desarrollo Comunitario (Community Development Block Grant – CDBG) otorgada por el Departamento de Vivienda y Desarrollo Comunitario de California (California Department of Housing and Community Development).

La siguiente información relacionada con el proyecto está disponible en 225 Park Street, Lakeport, CA, entre las 8:00 a.m. y las 5:30 p.m., de lunes a jueves, o puede solicitarse enviando un correo electrónico al contacto indicado a continuación:

Joey Hejnowicz: [email protected]
A. Progreso del proyecto, estado de avance y fecha estimada de finalización.

B. Resultados obtenidos hasta la fecha y totales proyectados, tales como el número de beneficiarios atendidos, viviendas completadas, porcentaje del proyecto puesto en servicio o personas atendidas.

C. Fondos gastados, saldo de fondos disponibles y proyecciones presupuestarias hasta la finalización del proyecto.

Todas las personas interesadas en el estado del financiamiento o en el progreso del proyecto están cordialmente invitadas a asistir a esta audiencia pública.

Los comentarios por escrito pueden dirigirse a la Ciudad de Lakeport, 225 Park Street, Lakeport, CA, o puede comunicarse con Joey Hejnowicz por teléfono o correo electrónico al (707) 263-5615 o [email protected], a más tardar a las 3:30 p.m. de Agosto diez y ocho, para asegurar que sus comentarios sean incluidos en el expediente oficial de la audiencia.

La Ciudad de Lakeport no discrimina por motivos de raza, color, origen nacional, sexo, orientación sexual, identidad de género, edad, religión o discapacidad. Si necesita adaptaciones o servicios especiales para participar en la audiencia pública, comuníquese con Joey Hejnowicz por lo menos tres (3) días antes de la fecha programada de la audiencia.

PROOF OF POSTING/PUBLICATION (22-CDBG-PL-20037)
City Website – Posted 8/5/26
City Facebook – Posted 8/5/26
City Hall Bulletin Board – Posted 8/5/26
Lakeport Library Bulletin Board – Posted 8/5/26
Updated 7/25/2024 1
CDBG Combined Closeout Package
CDBG Award Number (fill in):

Checklist
I/we have completed the following forms. Check all that apply.

Closeout Certification
Acquired Property Inventory (if applicable)
 Proof of ownership (e.g., vehicle registration, recorded grant deed, etc.) Disencumbrance of Funds Acknowledgment
Completion Report Acknowledgement
 Completion Report
Section 3 Compliance Acknowledgement
Section 3 Closeout Report (if applicable)
Section 3 Qualitative Efforts (if applicable)
Affidavit of Posting Notice
 Proof of postings (e.g., picture of the website posting with date stamp, photo of the document posted in a public place, etc.)
 Meeting minutes or notes with comments any comments
If this award included a planning activity, ALL of the following are uploaded/attached:
 Final Product(s)
 Board Resolution accepting each/all final product(s)
If this award included construction activity, ALL of the following are uploaded/attached:
 Recorded Notice of Completion
 Photo(s) of completed project
CDBG Combined Closeout Package Signature
CDBG – Closeout Certification
Updated 7/25/2024 2
Closeout Certification
I (name of authorized representative), ________________________________, hereby certify that all activities undertaken by the Grantee with funds provided under CDBG Award Number _________________________ have, to the best of my knowledge, been carried out in accordance with the contract agreement; that proper provision has been made by the Grantee for the payment of all costs and claims; that the State of California is under no obligation to make further payment to the Grantee under the contract agreement; and that every statement and amounts set forth in all Financial Reports are to the best of my knowledge, true and correct.

The Grantee shall continue to comply with the State CDBG program income reporting requirements.

All costs incurred subsequent to the most recent annual audit period will be audited at the time the Grantee’s next annual audit is conducted in accordance with 2 CFR 200, Subpart F. The Grantee will resolve any audit findings relating to both the program and financial aspects of the award. In the event there are any costs which are disallowed by this audit or any subsequent audits which cover CDBG expenditures, and which are sustained by the Department of Housing and Community Development, the amount of such costs shall be returned to HCD.

Updated 7/25/2024 3
CDBG – Acquired Property Inventory
Acquired Property Inventory Complete the table below listing any property acquired in whole or in part with CDBG funds or CDBG Program Income in the table below in accordance with the provisions of 24 CFR Part 570.489(k) – Accountability of Real and Personal Property and 24 CFR Part 570.489(e) – Program Income of the HUD CDBG regulations pertaining to property management and program income. Include additional copies of the table if required. Future disposition of this property shall be carried out in accordance with CFR 24 Sec. 570.489(j) – Change of Use of Real Property for instructions.

Project/Program Name: Award Number:

In the table below in the Proof of Ownership column, enter the type of proof on record, e.g., title, deed, invoice receipt. In the % CDBG Funded column, enter the percentage of the property funded by CDBG award dollars or by CDBG Program Income.

Description of Property Acquisition Date Acquisition Cost Serial # or ID # Condition Status Location Proof of Ownership % CDBG Funded % % % % % %
CDBG – Disencumbrance of Funds
Disencumbrance of Funds Acknowledgement
This award has unused CDBG Grant Funds.

Yes
No (If “No”, skip to the Completion Report Acknowledgement form) Separate out Grant Funds from Program Income funds and report it on separate lines in the table below and mark whether the funds are Grant Funds or Program Income Funds.

Award Number Matrix Code Amount to be
Disencumbered Grant Funds ProgramIncome Funds
TOTAL
*Note: Unused Program Income (PI) dollars will be returned to the grantee’s PI balance Updated 7/25/2024 4
CDBG – Completion Report Acknowledgement
Completion Report Acknowledgement
I/We will upload a copy of the completed Completion Report concurrently with the submittal of this package.

Yes
No (Grantee will be unable to close out the project/program until report is provided.) Grantee should not initiate closeout until they can provide a Completion Report.

Updated 7/25/2024 5
CDBG – Section 3 Compliance Acknowledgement
Updated 7/25/2024 6
Section 3 Compliance Acknowledgement
The purpose of Section 3 of the Housing and Urban Development Act of 1968 is to ensure that employment and other economic opportunities generated by certain HUD financial assistance shall, to the greatest extent feasible, be directed to low- and very low-income persons, particularly those who are recipients of government assistance for housing, and to business concerns which provide economic opportunities to low- and very low-income persons.

Section 3 requirements apply to housing rehabilitation, housing construction, or other public construction projects when the total amount of housing and community development assistance for the covered project activity (not including general administration) meets or exceeds a funding threshold, generally $200,000.

Section 3 compliance requirements should have been established at project set up. Grantees who are uncertain whether Section 3 requirements apply to their project(s) should contact their HCD Representative or Grant Administrator.

1. This project/program was funded prior to November 30, 2020 and is required to comply with the prior HUD Section 3 Rule, found at 24 CFR 135.

Yes (Complete the Section 3 Closeout Report for Contracts Funded Prior to November 30, 2020 on the next page.)
No (If “No”, answer Question 2 on this form.)

2. This project/program is required to comply with the HUD Section 3 Final Rule, effective on November 30, 2020, and codified at 24 CFR part 75.

Yes (Complete the Section 3 Closeout Report for Contracts Funded on or After November 30,2020.)
No
If you answer “No” to both questions above, skip to the Affidavit of Posting Notice form.

CDBG – Section 3 Closeout Report (Prior to 11/30/2020)
Section 3 Closeout Report
(For Awards Funded Prior to November 30, 2020)
Grantee Name:

Award Number:

Project Name:

Project Location (Address):

County or Metropolitan Service Area (MSA)
Where Project is Located:

Report Date:

Please complete the tables below showing Section 3 hires for Grantee and any subrecipients and contracting opportunities for this project/program. Copy this page and attach to report if you need additional rows.

Job Category Number of
New Hires
Number of Section 3
New Hires
Number of Section 3
Trainees
Category Totals:

Updated 7/25/2024 7
CDBG – Section 3 Closeout Report (Prior to 11/30/2020)
1 Construction Contracts
Total dollar amount of construction contracts
awarded
2 Dollar amount of construction contracts awarded to
Section 3 businesses
3 Percentage of total construction contract dollars
awarded to Section 3 business (Row 2 divided by
Row 1)
4 Number of Section 3 businesses that received
construction contracts
1 Non-Construction Contracts
Total dollar amount of non-construction contracts
awarded
2 Dollar amount of non-construction contracts
awarded to Section 3 businesses
3 Percentage of total non-construction contract
dollars awarded to Section 3 businesses (Row 2
divided by Row 1)
4 Number of Section 3 businesses that received nonconstruction contracts *Non-construction contracts are often construction-related contracts for professional services like landscaping, pest control, accounting, architecture, legal services, engineering etc.

Updated 7/25/2024 8
CDBG – Section 3 Closeout Report
Section 3 Closeout Report
(For Awards Funded On or After November 30, 2020)
Grantee Name:

Award Number:

Project Name:

Project Location (Address):

County or Metropolitan Service Area (MSA)
Where Project is Located:

Report Date:

Please complete the table below showing labor hours on this contract and percentages as of the date of this report. Remember, if you have multiple projects under this contract, this report should show combined (roll-up) hours for the entire contract (program) as well as percentages based on these totals. Individual project information should be maintained in Grantee records.

For reference the Section 3 “safe harbor” benchmarks are:
 Section 3 Workers make up at least 25% of the total project’s hours AND
 Targeted Section 3 Workers make up at least 5% of the total project’s hours by the time of project closeout.

Hours Percent of Total
Labor Hours
Safe Harbor
Benchmark Met? (Y/N)
Total Labor Hours to Date:

Total Section 3 Labor
Hours to Date:

Targeted Section 3 Labor
Hours to Date:

Updated 7/25/2024 9
CDBG- – Section 3 Qualitative Efforts
Section 3 Qualitative Efforts Description
This form is only required for Grantees whose project was funded on or after November 30, 2020 and whose labor hour benchmarks for Section 3 Workers (25% of a total project’s hours) AND Targeted Section 3 Workers (5% of a total project’s hours) are not anticipated to be met by the time of project closeout. Grantees should maintain records for HUD review to document any efforts checked.

Award Number:

Grantee:

Please read the following list of qualitative efforts that may be undertaken to comply with Section 3 and check ALL that applied to your organization during the course of this CDBG project. Note that these actions are associated with your organization and do not need to be associated with the particular CDBG project. For more information consult the Community Planning and Development (CPD) Notice at
https://www.hud.gov/sites/dfiles/OCHCO/documents/2021-09cpdn.pdf.

Outreach efforts to generate job applicants who are Public Housing Targeted Workers Outreach efforts to generate job applicants who are Other Funding Targeted Workers Direct, on-the-job training including apprenticeships
Indirect training such as arranging for contracting for, or paying tuition for, off-site training
Technical assistance to help Section 3 workers compete for jobs (e.g., resume assistance, coaching)
Outreach efforts to identify and secure bids from Section 3 business concerns Technical assistance to help Section 3 business concerns understand and bid on contracts
Updated 7/25/2024 10
CDBG- – Section 3 Qualitative Efforts
Division of contracts into smaller jobs to facilitate participation by Section 3 business concerns
Provided or connected residents with assistance in seeking employment including drafting resumes, preparing for interviews, finding job opportunities, connecting residents to job placement services
Held one or more job fairs
Provided or connected residents with supportive services that can provide direct services or referrals
Provided or connected residents with supportive services that provide one or more of the following: work readiness health screenings, interview coaching, uniforms, test fees, and/or transportation
Assisted residents with finding childcare
Assisted residents to apply for or attend community college or a four-year educational institution
Assisted residents to apply for or attend vocational/technical training Assisted residents to obtain financial literacy training and/or coaching Bonding assistance, guaranties, or other efforts to support viable bids from Section 3 business concerns
Provided or connected residents with training on computer use or online technologies Other (Please describe below.)
Updated 7/25/2024 11

CDBG – Combined Closeout Package Signature
CDBG Combined Closeout Package Signature
I, the undersigned, hereby certify that all representations made and/or information provided in this combined closeout package and any referenced uploads or attachments is, to the best of my knowledge, true. I further state that my signature below will serve as signature for each of the completed forms in this package as well as for the CDBG Combined Closeout Package taken as a whole.

Additionally, I certify to the best of my knowledge and belief that the information provided herein is true, complete, and accurate. I am aware that the provision of false, fictitious, or fraudulent information, or the omission of any material fact, may subject me to criminal, civil, or administrative consequences including, but not limited to violations of U.S. Code Title 18, Sections 2, 1001, 1343 and Title 31, Sections 3729-3730 and 3801-3812.

Date: ____________
Name and Title of Official Authorized in the Resolution Signature of Official Authorized in the Resolution
Updated 9/19/2024 13
20A-State Planning Completion Report
Completion Report
Grantee Name: City of Lakeport
Grantee Address: 225 Park Street
(Number and Street)
Lakeport Ca
(City, State, Zip Code)
Activity Title: City of Lakeport Housing Program Implementation Plan Award #: 22-CDBG-PL-20037 Completion Date: 8/29/2026
Program Year: 22 Matrix
Code: 20A – State Planning-Only Activities
I certify to the best of my knowledge and belief that the information provided herein is true, complete, and accurate. I am aware that the provision of false, fictitious, or fraudulent information, or the omission of any material fact, may subject me to criminal, civil, or administrative consequences including, but not limited to violations of U.S. Code Title 18, Sections 2, 1001, 1343 and Title 31, Sections 3729-3730 and 3801-3812.

Date:

Kevin Ingram, City Manager
Name and Title of Official Authorized in the Resolution Signature of Official Authorized in the Resolution
20A-State Planning Completion Report
Instructions: Select the appropriate Accomplishment type and National Objective from the dropdown menus below.

Accomplishment: Click anywhere in the orange ‘Choose an Accomplishment’ text.

Once you see the upside-down triangle (), select the appropriate accomplishment metric from the drop-down menu.

National Objective: Click anywhere in the orange ‘select Award’s National Objective’ text. Once you see the below screenshot, click on the small menu icon as pictured below. Select the appropriate National Objective for this award.

Accomplishments
Accomplishment Narrative:

The City of Lakeport completed a Housing Program Implementation Planning activity intended to strengthen the City’s ability to address local housing needs and prepare for future housing-assistance programs serving income-eligible residents.

The planning effort included preparation of a citywide Housing Conditions Survey documenting the condition of the existing housing stock and identifying vacant residential properties. The survey and associated mapping provide current information that the City can use to identify areas of need, establish housing priorities, support future funding applications, and guide the development of housing programs.

The City also prepared program-planning materials for future housing activities, including Owner-Occupied Rehabilitation Program Guidelines and First-Time Homebuyer Program Guidelines. These materials establish a framework for assisting eligible households with housing rehabilitation, health and safety improvements, energy-efficiency measures, fire-hardening improvements, agingin-place needs, and barriers to homeownership. The application anticipated that the planning process would create programs that are responsive to local needs, flexible enough to address changing housing conditions, and supported by appropriate policies, procedures, and administrative systems.

The planning products advance the City’s goal of improving the safety, condition, affordability, and long-term availability of housing for low- and moderate-income residents. The application specifically identified the need to improve and harden 20A-State Planning Completion Report
existing housing stock, increase energy efficiency, support the City’s aging population, and expand opportunities for homeownership.

The completed planning work did not provide direct financial assistance, construct housing, or rehabilitate individual homes. Instead, it established the information, guidelines, and administrative foundation needed for the City to pursue future CDBG, HOME, or other housing funds and implement eligible housing activities.

The resulting products increase the City’s capacity to develop and administer housing programs that principally benefit low- and moderate-income households.

Number of households assisted: 50
National Objective: Low/Mod Clientele
20A-State Planning Completion Report
LMC - Low/Mod Clientele
Race/Ethnicity
Race Hispanic/
Latino
White
Black / African American
Asian
American Indian / Alaskan Native
Native Hawaiian / Other Pacific Islander
American Indian / Alaskan Native & White
Asian & White
Black / African American & White
American Indian / Alaskan Native & Black / African
American
Other / Multi-Racial
Total
Income Information
Extremely Low (0-30% AMI)
Low (31-50% AMI)
Moderate (51-80% AMI)
Non-Low/Moderate
Total
20A-State Planning Completion Report
Meeting Date: 08/18/2026 Page 1 Agenda Item # VI.C.2.

CITY OF LAKEPORT
City Council ☒
City of Lakeport Municipal Sewer District ☐
Lakeport Industrial Development Authority ☐
Municipal Financing Agency of Lakeport ☐

STAFF REPORT
RE: Resolution of the City Council of the City of Lakeport approving an allocation of funding and the execution of a grant agreement and any amendments thereto from the
CDBG-DR Program
MEETING DATE: 08/18/2026
SUBMITTED BY: Joey Hejnowicz, Community Development Director PURPOSE OF REPORT: ☐Information only ☐ Discussion ☒Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

Adopt a Resolution approving and accepting an allocation of $1,978,000 in CDBG-DR gap funding for the Parkside Apartments project and authorizing the City Manager to execute a grant agreement with the California Department of Housing and Community Development and any amendments thereto.

BACKGROUND
The Parkside Apartments project is a 64-unit affordable housing development located on approximately 3.02 acres within the larger Parkside Residential Project (APN 005-030-51). The development includes:
• 63 income-restricted units serving households between 30% and 60% of Area Median Income (AMI) • 1 on-site manager unit
• A 2,111-square-foot community building
• Playground, half-court basketball court, pedestrian pathways, and site amenities • Significant on- and off-site infrastructure improvements including the Emergency Vehicle Access (EVA) bridge
The project received full land use entitlements in December 2022 following adoption of a Mitigated Negative Declaration pursuant to CEQA.

The Parkside Apartments affordable housing development is currently experiencing a funding shortfall of $1,978,000 due to changes in tax credit pricing, higher debt costs, and increased construction-related expenses since the project’s original underwriting.

The California Department of Housing and Community Development (HCD) has indicated that additional CDBGDR funds may be available to address this gap; however, HCD requires formal City Council action approving the additional allocation and execution of associated amendments before funds may be awarded.

Meeting Date: 08/18/2026 Page 2 Agenda Item # VI.C.2.

CURRENT FUNDING STRUCTURE
Parkside’s financing stack includes:
• CDBG-DR funds
• Permanent Local Housing Allocation (CPLHA) funds
• Infill Infrastructure Grant (IIG) funds
• Tax Credit Equity (4% LIHTC/CDLAC)
• Private debt
At the time of application, the project’s total development cost was balanced based on projected tax credit equity pricing and interest rate assumptions.

ANALYSIS – FUNDING SHORTFALL
The Parkside Apartments project is experiencing a funding gap of $1,978,000. This shortfall is not the result of project expansion or scope increases, but rather the result of market-driven financial shifts, including:

1. Reduced Tax Credit Equity Pricing
Tax credit pricing at closing was significantly lower than projected at the time of application. This resulted in a substantial reduction in equity proceeds available to the project.

2. Increased Debt Costs
Rising interest rates reduced the amount of permanent debt the project could support and increased financing costs, further constraining available sources.

3. Construction Cost Pressures
Although the developer implemented value engineering measures and reduced certain construction costs where feasible, broader inflationary pressures, labor costs, and supply chain impacts increased overall project expenditures.

These financial conditions are not unique to Parkside; they reflect statewide affordable housing market challenges, impacting nearly all developments in the current economic climate.

Without the additional $1,978,000 allocation, the Parkside Apartments project faces a significant risk of delay or potential restructuring, which could jeopardize the viability of the development and place existing awarded funding sources at risk. Securing the requested funding will help maintain project momentum and preserve the ability to move forward with construction as currently planned.

Meeting Date: 08/18/2026 Page 3 Agenda Item # VI.C.2.

RECOMMENDATION
Staff recommends that the City Council adopt the Resolution authorizing acceptance of an additional $1,978,000.00 in CDBG-DR funding for the Parkside Apartments project and authorize the City Manager to execute all necessary agreements and amendments.

OPTIONS:

1. Adopt the resolution as presented.

2. Reject the resolution as presented.

3. Provide alternative directions for staff.

Meeting Date: 08/18/2026 Page 4 Agenda Item # VI.C.2.

FISCAL IMPACT:

The requested $1,978,000 represents additional CDBG-DR funds. There is no direct impact to the City’s General Fund. Administrative costs remain within allowable program limits under the Master Standard Agreement. ☒ None ☐ $ Budgeted Item? ☐Yes ☐ No
Budget Adjustment Needed? ☐Yes ☒ No If yes, amount of appropriation increase: $ Affected fund(s): ☐ General Fund ☐ Water OM Fund ☐ Sewer OM Fund ☐ Other:

Comments:

COUNCIL PRIORITIES:
☐ Priority #1: Public Safety & Crisis Response
☐ Priority #2: Disaster Resiliency
☒ Priority #3: Good Governance & Fiscal Stability
☒ Priority #4: Capital Infrastructure Improvement
☒ Priority #5: Safe, Sustainable & Attractive Neighborhoods ☒ Priority #6: Economic Development
SUGGESTED MOTION:

Move to adopt the Resolution approving and accepting an allocation of $1,978,000 in CDBG-DR gap funding for the Parkside Apartments project and authorizing the City Manager to execute a grant agreement with the California Department of Housing and Community Development and any amendments thereto. ☒ Attachments: 1. Attachment 1 – Resolution

2. Attachment 2 – Formal CDBG-DR Funding Request Letter to HCD RESOLUTION NO. XXXX (2026)

RESOLUTION OF THE CITY COUNCIL OF THE CITY OF LAKEPORT APPROVING AND ACCEPTING AN ALLOCATION OF $1,978,000 IN CDBG-DR GAP FUNDING AND

AUTHORIZING THE CITY MANAGER TO EXECUTE A GRANT AGREEMENT WITH

THE CALIFORNIA DEPARTMENT OF HOUSING AND COMMUNITY

DEVELOPMENT AND ANY AMENDMENTS THERETO

BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF LAKEPORT AS FOLLOWS:

SECTION 1. The City Council has reviewed the State of California’s CDBG-DR Action Plan for 2017/2018 disasters, which allocates funds to the City and where the State has provided allocation of additional funds, as appropriated under Public Laws 115–254 and 116–20, for the Disaster Recovery Multifamily Housing Program (“DR-MHP”); and the Council hereby approves the execution of a Master Standard Agreement (“Agreement”) in the aggregate amount, not to exceed, $11,983,601 (“Grant”).

The City Council agrees to perform the following activities, as further detailed in the Agreement, as a means to facilitate the development of multifamily housing (rehabilitation, reconstruction, or new construction), pursuant to the Disaster Recovery Multifamily Housing Program (DR-MHP) Policies and Procedures:
• Implement a project solicitation process to receive multifamily development project applications from Developers;
• Underwrite, select, and prioritize those projects in accordance with the DR-MHP Policies and Procedures;
• Submit those selected and prioritized project applications to the Department; and • Oversee and monitor the construction and lease up of Department approved projects during the construction period through the affordability period.

SECTION 2. The City hereby authorizes and directs the City Manager to enter into, execute and deliver the Agreement and any and all subsequent amendments thereto with the State of California for the purposes of the Grant.

SECTION 3. With the acceptance of the additional allocation, the City Manager is authorized to enter into, execute and deliver the Notice(s) to Proceed, and any and all subsequent amendments thereto with the State of California for the purposes of the Grant.

SECTION 4. With the acceptance of the additional allocation, the City Manager is authorized to sign and submit Funds Requests and all required reporting forms and other documentation as may be required by the State of California from time to time in connection with the Agreement for purposes of the Grant.

SECTION 5. Severability. If any section, subsection, subdivision, sentence, clause, or phrase in this Resolution or any part thereof is for any reason held to be unconstitutional or invalid, ineffective by any court of competent jurisdiction, such decision shall not affect the validity or effectiveness of the remaining portions of this Resolution or any part thereof. The City Council hereby declares that it would have adopted each section irrespective of the fact that any one or more subsections, subdivisions, sentences, clauses, or phrases be declared unconstitutional, invalid, or ineffective.

SECTION 6. Effective Date. This Resolution take effective immediately upon adoption.

SECTION 7. Certification. The City Clerk shall certify to the passage and adoption of this Resolution in accordance with applicable law.

PASSED AND ADOPTED by the City Council of the City of Lakeport, County of Lake, State of California on this ___ day of ____________, 2026, by the following vote:

AYES:

NOES:

ABSENT:

ABSTAINING:

____________________________
Brandon Disney, Mayor
Attest:
__________________________
Kelly Buendia, City Clerk

Meeting Date: 8/18/2026 Page 1 Agenda Item # VI.D.1.

CITY OF LAKEPORT
City Council ☒
City of Lakeport Municipal Sewer District ☐
Lakeport Industrial Development Authority ☐
Municipal Financing Agency of Lakeport ☐

STAFF REPORT
RE: Two 2027 Dodge Durango Patrol Vehicles MEETING DATE: 8/18/2026 SUBMITTED BY: Ryan Cooley, Police Lieutenant
PURPOSE OF REPORT: ☐Information only ☐ Discussion ☒Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

The City Council is being asked to authorize the Chief of Police to execute purchase orders and supporting contract documents for the purchase and outfitting of two 2027 Dodge Durango Pursuit Utility All-Wheel Drive patrol vehicles, patrol operations equipment, and police vehicle markings, for a total project cost not to exceed $198,397.28.

BACKGROUND/DISCUSSION:

The Lakeport Police Department follows a planned fleet-replacement strategy to maintain reliable patrol vehicles and distribute major replacement costs across fiscal years. Patrol vehicles experience accelerated wear because of emergency-response driving, extended idling, and the continuous operations of radios, lighting, and other public-safety equipment. The Fiscal Year 2026-27 budget includes $200,000 for the purchase and outfitting of two new patrol vehicles, and no budget adjustment is needed.

For this fiscal year, the Department is standardizing its purchase on the Dodge Durango Pursuit Utility AWD platform. Using the same patrol platform supports officer familiarity, consistent equipment placement, more efficient training, and fleet management. The Durango provides a pursuit-rated, all-wheel-drive platform with the interior and cargo capacity needed for patrol operations and required equipment.

Staff solicited vehicle pricing from Thurston Dodge of Ukiah, National Auto Fleet Group through Sourcewell, and Matt Mazzei Lakeport Dodge. Staff requested a quote from Matt Mazzei on June 23, 2026, but did not receive a response. Thurston quoted $51,706.46 per vehicle, for a combined total of $103,412.92. The National Auto Fleet quote was $55,687.42 per vehicle, or $111,374.84 for two vehicles. Thurston submitted the lowest responsive vehicle bid, which is $7,961.92 below the National Auto Fleet price.

For vehicle upfitting, staff received bids from Precision Wireless and Wicked Sounds. Precision Wireless quoted $24,037.74 per vehicle, for a combined total of $48,075.48. Wicked Sounds submitted a combined two-vehicle bid of $41,484.57. Staff also submitted the vehicle build specifications to Lehr in Sacramento on July 21, 2026, but did not receive a response.

Precision Wireless is located within the incorporated City limits and automatically receives the City's 10 percent local-preference evaluation credit. The credit is $4,807.55, resulting in an evaluated amount of $43,267.93 for Meeting Date: 8/18/2026 Page 2 Agenda Item # VI.D.1.

Precision Wireless. Wicked Sounds is outside the incorporated City limits and does not qualify for the preference. Its actual and evaluated bid remains $41,484.57. Accordingly, Wicked Sounds remains the lower evaluated bid by $1,783.36; Precision Wireless's actual bid is $6,590.91 higher.

Staff recommends awarding the upfitting work to Wicked Sounds in the quoted amount of $41,484.57 because it is the lowest actual and evaluated bid after application of the City's 10 percent local preference. Wicked Sounds is $6,590.91 below Precision Wireless's actual bid and $1,783.36 below its evaluated bid. Staff determined that the proposals contain substantially similar core equipment and services.

The Mobile Audio-Video (MAV) system is recommended to be sole sourced from Motorola Solutions. Motorola’s M500 in-car system is the only product that fully integrates with the Lakeport Police Department’s existing Motorola Solutions and WatchGuard Video hardware and software ecosystem. Procuring an alternative MAV system would require parallel video storage, retrieval, and evidence-sharing processes, creating inefficiencies, increasing administrative burden, and introducing unnecessary risk. Sole-source procurement in this instance ensures operational continuity, system compatibility, and long-term cost containment. Motorola Solutions Quote 3756230 provides two M500 systems, routers, antennas, related software, and service coverage for a total of $22,205.21.

Staff obtained three mobile-radio quotes for the two vehicles. Motorola quoted two APX8500 radios for $19,587.06. Precision Wireless quoted one Kenwood NX5000 radio for $9,775.05; that amount was doubled to $19,550.10 for comparison. L3Harris quoted one XL-200M radio for $8,172.56. For two radios, staff doubled the equipment amount to $16,345.12 and added estimated sales tax of $1,430.20, producing an estimated purchase amount of $17,775.32.

The Department currently uses L3Harris radios and possesses the applicable programming, software, and communications cables. This makes the L3Harris XL-200M compatible with the Department’s existing resources.

The L3Harris XL-200M is the lowest-priced radio option.

Police vehicle markings are recommended to be sole sourced from Signs by Randy Hare. This vendor has previously produced Lakeport Police Department graphics and retains the necessary digitized templates and specifications. Using a new vendor would require recreating these files at additional cost. Signs by Randy Hare is also a Lake County business, allowing efficient access for repairs, warranty work, or modifications without outof-county travel. The quote is $270 per vehicle, or $540 for both vehicles.

PROJECT COSTS:

The following table summarizes the recommended project, which remains within the $200,000 amount approved in the Fiscal Year 2026-27 budget.

Project component Recommended vendor Amount
Two 2027 Dodge Durango Pursuit Utility AWD vehicles Thurston Dodge $103,412.92 Vehicle upfitting for both vehicles Wicked Sounds $41,484.57 Two M500 MAV systems and related equipment Motorola Solutions $22,205.21 Two XL-200M mobile radios L3Harris $17,775.32
Vehicle markings for both vehicles Signs by Randy Hare $540.00 Calculated project cost $185,418.02
7 percent contingency $12,979.26
Total not-to-exceed authorization $198,397.28
Remaining within $200,000 budget $1,602.72
Meeting Date: 8/18/2026 Page 3 Agenda Item # VI.D.1.

Staff further recommends that City Council authorize a total project cost not to exceed $198,397.28, inclusive of a 7 percent contingency of $12,979.26. Several vendor quotes are valid for limited periods, and some may expire because of the time required for the bid process and City Council approval at a regularly scheduled meeting.

Additionally, police-package vehicles are produced in limited and highly specialized production runs. This creates uncertainty with respect to delivery timelines and may result in cost fluctuations for vehicle upfitting, equipment, shipping, taxes, and associated services before the vehicles are delivered and ready for installation.

Authorizing the contingency allows procurement to proceed without unnecessary delay while maintaining fiscal oversight and avoiding subsequent Council action for minor, market-driven cost adjustments. The authorization remains $1,602.72 below the amount included in the adopted budget, and no budget adjustment is required.

OPTIONS:

Option 1: Take No Action
Decline to authorize the proposed purchase and associated contracts. The Department would continue operating its existing fleet and defer planned, budgeted replacement of two patrol vehicles.

Option 2: Return the Item to Staff for Further Inquiry
Direct staff to conduct additional research or rebid portions of the procurement. This option would not materially improve procurement outcomes given the constrained police vehicle market and the operational justifications outlined in this report.

Option 3 (Recommended): Approve Vehicle Replacement and Associated Procurements Authorize the purchase of two 2027 Dodge Durango Pursuit Utility All-Wheel Drive patrol vehicles from Thurston Dodge; award vehicle upfitting to Wicked Sounds; authorize the purchase and installation of two Motorola Solutions M500 Mobile Audio-Video systems, two L3Harris XL-200M mobile radios, and police vehicle markings; and authorize the Chief of Police to execute the necessary purchase orders and supporting contract documents for a total project cost not to exceed $198,397.28, inclusive of a 7 percent contingency.

FISCAL IMPACT:

None Budgeted Item Yes No
Budget Adjustment Needed? Yes No If yes, amount of appropriation increase: N/A Affected fund(s): General Fund Water OM Fund Sewer OM Fund Other: Police- Automobiles & Trucks
Comments: The Fiscal year 2026-27 budget includes $200,000 for the two patrol vehicles and associated equipment. No budget adjustment required.

COUNCIL PRIORITIES:
☒ Priority #1: Public Safety & Crisis Response
☒ Priority #2: Disaster Resiliency
☒ Priority #3: Good Governance & Fiscal Stability
☒ Priority #4: Capital Infrastructure Improvement
☒ Priority #5: Safe, Sustainable & Attractive Neighborhoods ☒ Priority #6: Economic Development
Meeting Date: 8/18/2026 Page 4 Agenda Item # VI.D.1.

SUGGESTED MOTIONS:

Move to award the purchase of two 2027 Dodge Durango Pursuit Utility All-Wheel Drive patrol vehicles to Thurston Dodge of Ukiah; award vehicle upfitting to Wicked Sounds; authorize the procurement of two Motorola Solutions M500 Mobile Audio-Video systems; authorize the procurement of two L3Harris XL-200M mobile radios; authorize police vehicle markings from Signs by Randy Hare; authorize a total project cost not to exceed $198,397.28, inclusive of a 7 percent contingency; and authorize the Chief of Police to sign the necessary purchase orders and supporting contract documents.
☒ Attachments: 1. Vehicle Bids

2. Upfitting Bids

3. Mobile Radio Bids

4. Motorola Solutions M500 Quote

5. Police Marking Bid

6. Associated Documents

Meeting Date: 8/18/2026 Page 1 Agenda Item VI.D.2.

CITY OF LAKEPORT
City Council
City of Lakeport Municipal Sewer District
Lakeport Redevelopment Successor Agency

STAFF REPORT
RE: Contractual Purchase of TASER 10 Conducted Energy
Weapons
MEETING DATE: 08/18/2026
SUBMITTED BY: Ryan Cooley, Police Lieutenant
PURPOSE OF REPORT: Information only Discussion Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

The City Council is being asked to authorize the Chief of Police to execute a 60-month purchase agreement with Axon Enterprise, Inc. for thirteen (13) Taser 10 Conducted Energy Weapons and the associated equipment, training systems, supplies, software, and technical support identified in Axon Quote Q-793540-46235SB.

BACKGROUND/DISCUSSION:

A Conducted Energy Weapon (CEW) is one of several less-lethal force options available to law enforcement. The Lakeport Police Department issues CEWs to trained sworn personnel and requires annual training, certification, documentation, and supervisory review consistent with Department policy.

The Department currently uses TASER 7 devices under an Axon agreement. If the proposed TASER 10 agreement is approved, the existing agreement will terminate and the existing TASER 7 devices will be returned to Axon.

Equipment support, Evidence.com services, and technical support provided under the existing TASER 7 program will end with that agreement and transition to the TASER 10 program.

As part of evaluating replacement options, Axon provided a non-binding five-year budgetary estimate to refresh thirteen TASER 7 devices. The estimate totals $68,760.16, including estimated sales tax. The proposed TASER 10 agreement totals $72,113.46, including estimated sales tax. The difference is $3,353.30 over five years, or an average of $670.66 annually. The TASER 10 proposal is therefore approximately 4.9 percent more than the TASER 7 refresh estimate.

Five-Year Proposal Subtotal Estimated Tax Total Annual Average TASER 7 refresh estimate $64,194.33 $4,565.83 $68,760.16 $13,752.03 TASER 10 proposal $67,671.91 $4,441.55 $72,113.46 $14,422.69 Difference $3,477.58 ($124.28) $3,353.30 $670.66
The TASER 7 estimate was issued for budgetary planning and expired on May 31, 2026. It is used in this report only as a current-market cost and equipment comparison. An executable TASER 7 proposal would need to be reissued by Axon and could change based on the final start date and transfer balance.

Both alternatives include thirteen CEWs, batteries, holsters, a HALT training suit, and applicable software. The TASER 10 package provides substantially more training equipment and adds a virtual-reality system and a twoday instructor course.

Meeting Date: 8/18/2026 Page 2 Agenda Item VI.D.2.

Hook-and-loop Training (HALT) cartridges use nonconductive lines and hook-tipped probes that attach to the HALT suit without transmitting an electrical pulse. The greater quantity of HALT and inert cartridges, together with the VR system, will support controlled and repeatable training in probe placement, multiple deployments, movement, communication, de-escalation, decision-making, and weapon handling.

The TASER 7 is a two-shot device; each cartridge deploys two probes simultaneously and has a maximum wire length of 25 feet. The TASER 10 is a current-generation platform with a ten-probe magazine with a maximum range of 45 feet, and each trigger pull deploys one individually aimed probe. TASER 10 also provides a daylightvisible green laser, visual and audible warning alerts, and enhanced integration with Axon Evidence for auditable device status and deployment data.

For the additional five-year cost of $3,353.30, the TASER 10 provides a broader training and equipment package and increased operational capability. Based on the limited difference and the additional resources provided, staff recommends upgrading to the TASER 10 platform rather than refreshing the TASER 7 program.

The proposed TASER 10 agreement has an estimated total of $67,671.91 before tax, with estimated sales tax of $4,441.55, for a total of $72,113.46. The quote carries $4,982.96 in remaining goods value from the existing agreement and applies a $124.45 credit for software and services, resulting in a net transfer balance of $4,858.51 included in the proposed agreement. Annual payments are scheduled in August, placing the expenditure near the beginning of each City fiscal year and providing a predictable budgeting schedule. The quote expires August 21, 2026.

Staff also reviewed the Phazzer Enforcer, the only other CEW marketed to law enforcement. The Enforcer is a single-cartridge, two-probe platform with a maximum deployment range of 25 feet, an optional data port that records date and time information, and operator-training resources. Its design is more comparable to the legacy TASER X26, which Axon retired from production on December 31, 2014. Unlike the Enforcer, the TASER 10 uses a ten-probe magazine, has a maximum range of 45 feet, and is supported by integrated evidence-management, equipment-support, and advanced training systems. Accordingly, the Phazzer Enforcer is not a functionally equivalent alternative to the TASER 10 package proposed in this report.

Staff did not identify a Phazzer package equivalent to the TASER 10’s integrated Axon Evidence program management, VR scenarios, HALT system, and bundled training supplies. Axon has supplied the TASER product line since 1993 and reports customer relationships with a substantial number of federal, state, and local lawenforcement agencies. Staff’s public-sourced review did not identify a California law-enforcement agency that documents a current Phazzer Enforcement deployment or a verified current agency-user count.

If the city elects not to enter into a new Axon agreement, the department could retain and continue using its existing TASER 7 CEWs after the contracted services expire. However, the devices would operate outside an Axon service agreement and would no longer receive warranty coverage, repair or preplacement services, technical support, or software and firmware updates. The Department’s TASER-related Axon Evidence license would also terminate, eliminating access to hosted TASER 7 device audit records and data. If a TASER device subsequently malfunctions, the Department would be required to purchase a replacement separately at the price then offered by Axon. That per-device cost could exceed the bundled agreement rate, and replacement devices may be subject to limited availability. Continuing to use the TASER 7 devices without a new agreement would therefore transfer risks associated with equipment failures, data preservation, audit capabilities, and replacement costs to the City.

Payment Date Subtotal Estimated Tax Total
August 2026 $13,534.39 $989.24 $14,523.63
August 2027 $13,534.38 $863.09 $14,397.47
August 2028 $13,534.38 $863.09 $14,397.47
August 2029 $13,534.38 $863.09 $14,397.47
August 2030 $13,534.38 $863.04 $14,397.42
Five-year total $67,671.91 $4,441.55 $72,113.46
Meeting Date: 8/18/2026 Page 3 Agenda Item VI.D.2.

Axon Enterprise, Inc. is the exclusive manufacturer of the TASER 10 and the sole source for the complete proprietary TASER 10 system proposed in this report. Axon is the only provider of the complete integrated package, including TASER 10 handles, magazines and cartridges, Axon Evidence licensing, firmware and software, warranties, VR and HALT training systems, technical support, and product expertise included in the proposed agreement. The Department currently uses TASER 7 devices and is already standardized on the TASER and Axon Evidence platforms. Accordingly, the proposed purchase represents a brand-specific, sole-source continuation of the Department’s existing CEW program and an upgrade to the current-generation TASER 10 platform.

OPTIONS:

Option 1:

Take no action and, upon expiration of the current agreement, continue using the Department’s existing TASER 7 CEWs without warranty coverage, equipment or technical support, or Evidence.com evidence-management services.

Option 2:

Direct staff to obtain an updated, executable TASER 7 refresh proposal and return to the City Council for consideration.

Option 3 (Recommended):

Authorize the Chief of Police to execute the proposed 60-month agreement with Axon Enterprise, Inc. for thirteen TASER 10 CEWs and the associated equipment, training systems, supplies, software, warranties, and technical support in the total amount not to exceed $72,113.46, including estimated tax.

FISCAL IMPACT:

None Budgeted Item Yes No
Budget Adjustment Needed? Yes No If yes, amount of appropriation increase: N/A Affected fund(s): General Fund Water OM Fund Sewer OM Fund Other: Police - Professional/Contractual Services
Comments: The purchase is included in the Fiscal Year 2026-27 Police Department budget. No budget adjustment is required.

SUGGESTED MOTIONS:

Move to authorize the Chief of Police to execute a 60-month purchase agreement with Axon Enterprise, Inc. for thirteen (13) TASER 10 Conducted Energy Weapons and the associated equipment identified in Axon Quote Q793540-46235SB, in a total amount not to exceed $72,113.46, including estimated sales tax.

Attachments: 1. Axon Enterprise, Inc. Quote Q-793540-46235SB, issued August 1, 2026

2. Axon Enterprise, Inc. TASER 7 Budgetary Estimate Q-822717-46090SB, issued March 9, 2026

Meeting Date: 08/18/2026 Page 1 Agenda Item # VI.E.1.

CITY OF LAKEPORT
City Council ☒
City of Lakeport Municipal Sewer District ☐
Lakeport Industrial Development Authority ☐
Municipal Financing Agency of Lakeport ☐

STAFF REPORT
RE: Consideration of Letter of Support for Lake County
Opportunity Zones 2.0 Recommendations
MEETING DATE: 08/18/2026
SUBMITTED BY: Kevin M. Ingram, City Manager
PURPOSE OF REPORT: ☐Information only ☒ Discussion ☒Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

Authorize the Mayor to sign a letter to the Governor's Office of Business and Economic Development (GO-Biz) supporting the designation of all nine eligible Lake County census tracts as part of California's Opportunity Zones

2.0 recommendations to the federal government.

BACKGROUND/DISCUSSION:

On March 17, 2026, the City Council considered the upcoming Opportunity Zones 2.0 designation process and authorized the Mayor to join the County of Lake and City of Clearlake in a regional letter advocating for eligible Lake County census tracts (See Attachment 3). The joint effort reflected the three jurisdictions' shared interest in positioning Lake County to benefit from a federal program intended to encourage long-term private investment in economically distressed communities.

Opportunity Zones were originally established through the Tax Cuts and Jobs Act of 2017 and were recently made a permanent component of the federal tax code. Under Opportunity Zones 2.0, new census tract designations will occur every ten years, with the upcoming designations taking effect January 1, 2027. The program provides federal tax incentives intended to encourage private capital investment in designated communities, with enhanced provisions benefiting rural areas.

Since Council's March action, the Opportunity Zones 2.0 designation process has advanced significantly. GO-Biz opened a Local Authority Recommendation process allowing local jurisdictions to recommend eligible census tracts for consideration by the State. Working collaboratively, the County of Lake, City of Lakeport, and City of Clearlake submitted recommendation forms on July 20, 2026, for all nine eligible Lake County census tracts.

The nine tracts are the same tracts previously supported through the regional advocacy effort considered by Council in March. GO-Biz required the tracts to be individually ranked as part of the Local Authority Recommendation process. The ranking was developed collaboratively by the three jurisdictions based primarily on the likelihood of development activity in the short to medium term. The regional preference, however, remains that all nine eligible Lake County census tracts receive Opportunity Zone designation.

Meeting Date: 08/18/2026 Page 2 Agenda Item # VI.E.1.

Map of 9 Designated Census Tracts in Lake County (Orange = High Priority) GO-Biz and the California Department of Finance are now evaluating eligible census tracts for inclusion in the Governor's Opportunity Zones 2.0 nominations. As part of that process, the State has opened a public comment period providing an additional opportunity for local governments and other interested parties to advocate for specific census tracts before the Governor's final recommendations are submitted to the U.S. Department of the Treasury. The public comment period is scheduled to close August 28, 2026.

The County of Lake is similarly considering formal action supporting the nine Local Authority Recommendation Forms submitted to GO-Biz. The proposed City letter is intended to complement the County's advocacy during this public comment period and reinforce the coordinated regional support for designation of all nine Lake County tracts.

Lakeport and Regional Economic Development Opportunity: The proposed letter also provides an opportunity to highlight why inclusion of Lakeport's eligible census tract would strengthen the State's Opportunity Zones portfolio. As the County seat, Lakeport functions as an important regional center for government, healthcare, employment, retail, professional services, housing, and tourism. Investment within the community therefore has the potential to generate economic benefits extending well beyond City boundaries.

Lakeport has also demonstrated substantial investment readiness. In recent years, more than 150 affordable housing units have been added—equivalent to approximately 7% of the City's existing households—while allowing the City to exceed its Regional Housing Needs Allocation targets for extremely low-, very low-, and lowincome housing. Private and nonprofit investment continues through expanded regional healthcare facilities and environmental research focused on wildfire resilience, while the City has rehabilitated all of its major collector and arterial streets over the past decade and recently completed more than $8 million in water and sewer improvements.

Opportunity Zone designation could help build upon these investments by providing an additional incentive for private capital. More broadly, economic development within Lake County is inherently regional. Investment in employment centers, housing, healthcare, commercial areas, and infrastructure can generate benefits across Meeting Date: 08/18/2026 Page 3 Agenda Item # VI.E.1.
jurisdictional boundaries. Designation of all nine eligible tracts would therefore provide another tool to support investment and economic development throughout Lake County.

Staff recommends that the City Council authorize the Mayor to sign the attached letter of support (Attachment 1) and direct staff to submit it during the State's Opportunity Zones 2.0 public comment period. The County’s Resolution Supporting the Submittal of the Opportunity Zones 2.0 Local Authority Recommendation Forms is included as Attachment 2 and is scheduled for consideration by the Lake County Board of Supervisors on August 18, 2026. If adopted by the Board, the final resolution will also be included as an attachment to the City’s Letter of Support when submitted to the State.

OPTIONS:

1. Authorize the Mayor to sign the letter supporting designation of all nine eligible Lake County census tracts as Opportunity Zones.

2. Take no action.

3. Provide staff with alternative direction regarding the City's Opportunity Zones 2.0 advocacy efforts.

FISCAL IMPACT:
☒ None ☐ $ Budgeted Item? ☐Yes ☒ No
Budget Adjustment Needed? ☐Yes ☒ No If yes, amount of appropriation increase: $ Affected fund(s): ☐ General Fund ☐ Water OM Fund ☐ Sewer OM Fund ☐ Other:

There is no direct fiscal impact associated with this action. The proposed letter is an advocacy effort intended to support Lake County communities in attracting private investment through the federal Opportunity Zones program.

COUNCIL PRIORITIES:
☐ Priority #1: Public Safety & Crisis Response
☐ Priority #2: Disaster Resiliency
☐ Priority #3: Good Governance & Fiscal Stability
☐ Priority #4: Capital Infrastructure Improvement
☐ Priority #5: Safe, Sustainable & Attractive Neighborhoods ☒ Priority #6: Economic Development
SUGGESTED MOTIONS:

Move to authorize the Mayor to sign the letter supporting the designation of all nine eligible Lake County census tracts as Opportunity Zones and direct staff to submit the letter during the State's Opportunity Zones 2.0 public comment period.
☒ Attachments: 1. Draft City of Lakeport Letter of Support—Lake County Opportunity Zones Recommendations

2. County of Lake Resolution Supporting the Opportunity Zones 2.0 Local Authority Recommendation Forms Submitted to GO-Biz

3. Lakeport/Clearlake/County of Lake Joint Opportunity Zones Census Tract Nomination Letter of Support (4/15/26)

CITY OF LAKEPORT
Over 125 years of community
pride, progress and service
08/18/2026
Governor’s Office of Business and Economic Development
Opportunity Zones 2.0
State of California
RE: Support for Lake County Opportunity Zones 2.0 Recommendations Dear GO-Biz Opportunity Zones Team:

On behalf of the City of Lakeport, I am writing to express our strong support for the designation of all nine eligible Lake County census tracts submitted through the Opportunity Zones 2.0 Local Authority Recommendation process. This letter is also submitted in support of the resolution adopted by the Lake County Board of Supervisors affirming the County's nomination and support for these nine census tracts, a copy of which is attached.

The City is proud to have partnered with the County of Lake and the City of Clearlake throughout this process. The nine recommended tracts reflect a coordinated regional approach focused on communities where significant economic need exists alongside tangible opportunities for housing, business development, job creation, healthcare, and infrastructure investment.

Lake County continues to experience economic challenges that make access to private capital particularly important. At the same time, our communities have demonstrated that strategic public investment, strong partnerships, and proactive economic development can create meaningful opportunities for growth. Opportunity Zone designation would provide another important tool to help projects overcome financing gaps that frequently constrain investment in small rural markets.

The City particularly appreciates the inclusion of Census Tract 000402, which encompasses a significant portion of the community of Lakeport. As the County seat, Lakeport serves as an important regional center for government, healthcare, employment, retail, professional services, housing, and tourism. Investment within Lakeport therefore has the potential to generate benefits well beyond the census tract itself through job creation, expanded services, and broader economic activity.

Lakeport also demonstrates the type of investment readiness that can maximize the value of Opportunity Zone designation. The City has aggressively pursued state, federal, and local funding to modernize water, sewer, transportation, pedestrian, ADA, and other public infrastructure, reducing barriers to development and positioning multiple properties for private investment. The Lakeport tract includes several development-ready sites and supports California Jobs First strategic sectors including healthcare, housing, clean economy, infrastructure, tourism, and life sciences.

Lakeport has demonstrated an ability to translate investment and local partnerships into completed projects. In recent years, more than 150 affordable housing units have been added— equivalent to approximately 7% of the City’s existing households—while allowing the City to exceed its RHNA targets for extremely low-, very low-, and low-income housing. Private and nonprofit investment continues through expanded regional healthcare facilities and environmental research focused on wildfire resilience, while the City has rehabilitated all of its major collector and arterial streets over the past decade and recently completed more than $8 million in water and sewer improvements.

Opportunity Zone designation would complement investments already underway throughout Lake County by helping leverage public resources and attract additional private capital. Because economic development in Lake County is inherently regional, investment in employment centers, housing, healthcare, commercial areas, and infrastructure generates benefits across jurisdictional boundaries. For these reasons, the City joins the Lake County Board of Supervisors in strongly supporting the designation of all nine eligible Lake County census tracts as Opportunity Zones.

We respectfully encourage GO-Biz and the Governor's Administration to give full consideration to Lake County's recommendations. Designating these tracts would provide our rural communities with an important additional tool to leverage investments already underway and create lasting economic opportunities throughout Lake County.

Thank you for your consideration.

Sincerely,
Brandon Disney
Mayor
City of Lakeport
Attachment: Lake County Board of Supervisors Resolution Supporting the Submittal of the Opportunity Zones 2.0 Local Authority Recommendation Forms

BOARD OF SUPERVISORS, COUNTY OF LAKE, STATE OF CALIFORNIA RESOLUTION NO. ______

A RESOLUTION OF THE BOARD OF SUPERVISORS OF THE COUNTY OF LAKE SUPPORTING THE SUBMITTAL OF THE OPPORTUNITY ZONES 2.0 LOCAL

AUTHORITY RECOMMENDATION FORMS
WHEREAS, the federal Opportunity Zones program encourages long-term private investment in economically distressed communities through federal tax incentives for the reinvestment of capital gains, and the One Big Beautiful Bill Act, signed into law on July 4, 2025, made the program a permanent part of the federal tax code and authorized a new round of census tract designations, commonly referred to as “Opportunity Zones 2.0,” taking effect January 1, 2027; and WHEREAS, governors may nominate up to twenty-five percent (25%) of their state’s eligible census tracts, and the Governor’s Office of Business and Economic Development (GO-Biz) is coordinating California’s selection process through a Local Authority Recommendation Form, to be submitted by local jurisdictions; and
WHEREAS, nine census tracts within Lake County appear on the list of eligible census tracts published by the U.S. Department of the Treasury, specifically Census Tracts 000402, 000501, 000601, 000702, 000703, 000704, 000801, 000802, and 001000; and WHEREAS, Lake County experiences some of the most severe economic distress in California, with an unemployment rate of 7.7% that is 40% higher than the statewide rate, a poverty rate of

19.7% that is 67% higher than the statewide rate, and a median family income of $51,434 that is 49% lower than the statewide rate, and the Opportunity Zones designation represents a powerful tool available to attract private investment to the community; and WHEREAS, the Board of Supervisors discussed Opportunity Zones selection at its regular meetings of January 27, 2026, and March 10, 2026, and reached agreement that the County should advocate for the designation of all nine eligible Lake County census tracts; and WHEREAS, in April, 2026, the Chair of the Board of Supervisors, together with the Mayors of the City of Lakeport and the City of Clearlake, transmitted a joint letter to the Governor’s Office identifying these same nine eligible census tracts, and the three jurisdictions remain in agreement as to which census tracts should be recommended to the State and the order of preference in which they are recommended; and
WHEREAS, subsequent to the transmittal of that joint letter, GO-Biz announced the Local Authority Recommendation Form process, establishing the formal mechanism by which local jurisdictions transmit their census tract recommendations to the State; and WHEREAS, Staff at the County of Lake, the City of Lakeport, and the City of Clearlake collaborated and submitted the nine Local Authority Recommendation Forms, one for each eligible census tract, on July 20, 2026, in conformance with the shortened deadline; and WHEREAS, designation of these census tracts could support housing, business attraction and expansion, healthcare and workforce facilities, energy and infrastructure investment, and the Board of Supervisors finds it to be in the best interest of the residents of Lake County to support the nine Local Authority Recommendation Forms submitted to GO-Biz.

NOW, THEREFORE, BE IT RESOLVED by the Board of Supervisors of the County of Lake that it does hereby find, determine, declare and resolve as follows:

Section1. The foregoing recitals are true and correct and are incorporated herein by this reference.

Section 2. The Board of Supervisors supports the submitted nine Local Authority Recommendation Forms to GO-Biz, recommending that each such tract be nominated by the Governor for designation as an Opportunity Zone.

Section 3. The Board of Supervisors supports the priority in which the nine eligible census tracts were submitted in order of preference, with the first-listed tract representing the highest preference: 000801, 000402, 000703, 000802, 000501, 000702, 001000, 000704, and 000601.

Section 4. It remains the preference of the Board of Supervisors that all nine eligible census tracts be designated as Opportunity Zones; the order of preference set forth above is provided as guidance to the State should less than full designation be necessary.

THIS RESOLUTION was passed and adopted by the Board of Supervisors of the County of Lake at a regular meeting thereof on the ___ day of __________, 2026, by the following vote:

AYES:

NOES:

ABSENT OR NOT VOTING:
___________________________________
Chair, BOARD OF SUPERVISORS
ATTEST: APPROVED AS TO FORM:

SUSAN PARKER LLOYD GUINTIVANO
Clerk of the Board of Supervisors County Counsel
By:_____________________________ By:_____________________________ Deputy
AUDITOR ACCOUNTING REVIEW:

JENAVIVE HERRINGTON
Auditor-Controller
By: ____________________________

Meeting Date: 08/18/2026 Page 1 Agenda Item #VI.E.2.

CITY OF LAKEPORT
City Council
City of Lakeport Municipal Sewer District
Lakeport Redevelopment Successor Agency
Lakeport Industrial Development Agency
Municipal Financing Agency of Lakeport

STAFF REPORT
RE: Lakeport Lights Drone Show – Letter of Appreciation to Lake County Board of Supervisors
MEETING DATE: 08/18/2026
SUBMITTED BY: Kevin M. Ingram, City Manager
PURPOSE OF REPORT: Information only Discussion Action Item WHAT IS BEING ASKED OF THE CITY COUNCIL/BOARD:

Authorize the Mayor, on behalf of the Lakeport City Council, to sign and transmit a letter of appreciation to the Lake County Board of Supervisors recognizing the Board’s support, funding, and partnership in making the August 7, 2026 Lakeport Lights Drone Show at Xabatin Park a success.

BACKGROUND/DISCUSSION:

On Friday, August 7, the City of Lakeport hosted the Lakeport Lights Drone Show at Xabatin Park as part of Lake County’s celebration of America’s 250th anniversary. An estimated 600 to 800 community members attended the event, which featured synchronized lights and music over Clear Lake showcasing iconic local imagery alongside patriotic displays.

The event was made possible through the support and financial partnership of the Lake County Board of Supervisors and other community partners. The attached letter expresses the City Council’s appreciation to the entire Board and provides special recognition to Board Chair Brad Rasmussen and Supervisor Bruno Sabatier for their leadership and organizational efforts in bringing the event to fruition. The letter also expresses the City’s interest in continuing this partnership and exploring opportunities to bring the drone shows back to Lake County next year.

OPTIONS:

1. Authorize the Mayor to sign and transmit the attached letter of appreciation.

2. Provide alternative direction to staff.

FISCAL IMPACT:

None $ Budgeted Item? Yes No
Budget Adjustment Needed? Yes No If yes, amount of appropriation increase: $ Affected fund(s): General Fund Water OM Fund Sewer OM Fund Other:

Comments: None
Meeting Date: 08/18/2026 Page 2 Agenda Item #VII.E.2.

COUNCIL PRIORITIES:
☐ Priority #1: Public Safety & Crisis Response
☐ Priority #2: Disaster Resiliency
☒ Priority #3: Good Governance & Fiscal Stability
☐ Priority #4: Capital Infrastructure Improvement
☒ Priority #5: Safe, Sustainable & Attractive Neighborhoods ☒ Priority #6: Economic Development
SUGGESTED MOTIONS:

Move to authorize the Mayor, on behalf of the Lakeport City Council, to sign and transmit a letter of appreciation to the Lake County Board of Supervisors for its support and partnership in the 2026 Lakeport Lights Drone Show.

Attachments: 1. Letter of Appreciation to the Lake County Board of Supervisors

CITY OF LAKEPORT
Over 125 years of community
pride, progress and service
08/18/2026
Lake County Board of Supervisors
255 North Forbes Street
Lakeport, CA 95453
Dear Chair Rasmussen and Members of the Lake County Board of Supervisors:

On behalf of the Lakeport City Council and the entire Lakeport community, we would like to extend our sincere appreciation to the Lake County Board of Supervisors for your support, funding, and partnership in making the Lakeport Lights Drone Show on Friday, August 7, at Xabatin Park such a tremendous success.

An estimated 600 to 800 community members gathered at Xabatin Park to enjoy the show, and the response from those in attendance was overwhelmingly positive. Families, friends, neighbors, and visitors filled the park and waterfront to experience an innovative celebration featuring synchronized lights and music over Clear Lake, with the show showcasing iconic local imagery alongside patriotic displays that celebrated both the unique character of our community and America’s 250th anniversary. The evening provided another memorable opportunity for our community to come together as we continue celebrating this historic milestone.

We would especially like to recognize Board Chair Brad Rasmussen and Supervisor Bruno Sabatier for their leadership and organizational efforts in bringing this idea to fruition. From helping secure funding and sponsorships to coordinating with the Cities and community partners, their enthusiasm and persistence were instrumental in moving the drone shows from concept to reality. The City greatly appreciates their willingness to champion an event that benefited not only Lakeport, but the broader Lake County community.

Given the tremendous community response, the City of Lakeport would welcome the opportunity to begin discussions with the Board of Supervisors, the City of Clearlake, and our community and business partners about bringing the drone shows back to Lake County next year. We believe there is an opportunity to build upon this year’s success and establish an event that residents and visitors can look forward to as part of Lake County’s summer traditions.
“Thank you again to the entire Board of Supervisors for your investment in our communities and for your partnership in creating a truly memorable evening for Lakeport and all of Lake County.”
Sincerely,
Brandon Disney
Mayor
City of Lakeport
On behalf of the Lakeport City Council

Lakeport City CouncilAugust 18, 2026

Lakeport City Council
August 18, 2026