Permanent Local Housing Assistance Update — Point Arena City Council, August 26, 2025

POINT ARENA CITY COUNCIL

AGENDA ITEM SUMMARY
AGENDA ITEM: VIII A
MEETING DATE: 8/26/2025
TITLE
Owner-Occupied Rehabilitation and Housing Unit Loan Program

RECOMMENDED ACTION
Receive the presentation; no action required

ANALYSIS
The Owner-Occupied Rehabilitation and Housing Unit Loan Program is made available with funding from the State of California Permanent Local Housing Allocation (PLHA) program and is part of the City of Point Arena’s effort to preserve and improve housing stock for income-eligible homeowners.

Qualified property owners may be eligible to receive a 0% interest deferred loan ranging from $25,000 to $50,000 for home repairs, improvements or new accessory housing unit, depending on qualifying factors and funding availability. In addition to providing 0% interest loans to eligible applicants, the City of Point Arena assists with the application and loan phases of the work.

Examples of eligible work include foundation, structural, electrical, mechanical, plumbing, windows, flooring, painting, insulation, and termite repairs. One accessory housing unit per applicant may also be financed with PLHA funds. Limitations do apply and the work that is eligible on your home will be determined during the application process.

Jeff Lucas, of Community Development Services, will be presenting information and answering questions regarding this program.

FISCAL IMPACT
Project dependent; ~ 5% of funds are allocated for administrative purposes.

ATTACHMENTS

1. Letter to Property Owners

2. PLHA Program Guidelines

3. PLHA Application

4. Lead Brochure: Protecting Your Home

5. PLHA Contractor Application
Note: All attachments can be found on the city website under the “Housing” tab.

CITY MANAGER SIGNATURE
_________________________________
Molly C. Haviland, City Manager
1 CITY OF POINT ARENA
451 School St. | PO Box 67 | Point Arena, CA 95468
(707) 882-2122 | pointarena.ca.gov
April 14, 2025
Dear Point Arena Property Owner(s),
Thank you for your interest in the Owner-Occupied Rehabilitation and Housing Unit Loan Program operated by the City of Point Arena. This program is made available with funding from the State of California Permanent Local Housing Allocation (PLHA) program and is part of the City’s effort to preserve and improve housing stock for income-eligible homeowners. Qualified property owners may be eligible to receive a 0% interest deferred loan ranging from $25,000 to $50,000 forhome repairs,improvements or new accessory housing unit, depending on qualifying factors and funding availability.

In addition to providing 0% interest loans to eligible applicants, the City of Point Arena helps throughout the application, loan, and construction phases of the work. A County Building Inspector will perform an inspection of your home and property, prepare a scope of work to initiate the contractor procurement process, and inspect construction activities as necessary to ensure satisfactory completion of the work. City staff will administer loan payments, documents, and closing statements necessary for the loan program.

Please complete the enclosed application and submit the signed application with all required documentation:

By mail or email
Community Development Services
3895 Main street
Kelseyville, CA 95451
[email protected]
Household
Size
Household Gross
Income
1 $75,950
2 $86,800
3 $97,650
4 $108,500
5 $117,200
6 $125,850
7 $134,550
8 $143,200
*Income limits for City of Point Arena as of 5/9/2024.

Maximum income to be eligible to apply.

Link to HCD State Funding Limits 2024
Gross Annual Income Limit*
(120% of Area Median Income)
1 PERMANENT LOCAL HOUSING

ALLOCATION
(PLHA)

HOUSINGREHABILITATION

PROGRAM GUIDELINES

CITY OF POINT ARENA
2 3
Table of Contents
Table of Contents
CITY OF POINT ARENA...................................................................................................5 FAIR HOUSING.................................................................................................................5 OUTREACH/APPLICANT LIST.........................................................................................5 TEMPORARY RELOCATION ...........................................................................................6 CONFLICT OF INTEREST................................................................................................6 APPLICANT ELIGIBILITY..................................................................................................7 INCOME ELIGIBILITY.......................................................................................................7 PROPERTY ELIGIBILITY..................................................................................................7 REHABILITATION STANDARDS ......................................................................................8 PROPERTY IMPROVEMENTS.........................................................................................8 LEAD-BASED PAINT........................................................................................................9 MANUFACTURED HOUSING UNIT/MOBILE HOME REHABILITATION .........................9 RECONSTRUCTION.........................................................................................................9 RESIDENCY REQUIREMENTS........................................................................................9 FINANCING.......................................................................................................................1 Loan amounts are between $25,000 and $50,000.............................................................1 PLHA funds cannot be used to pay property taxes. ..........................................................1 LOAN REQUIREMENTS...................................................................................................3 DEFAULT AND FORECLOSURE......................................................................................4 INSURANCE .....................................................................................................................4 CONTRACTING PROCEDURES......................................................................................5 DISPUTE RESOLUTION/APPEALS PROCEDURE..........................................................6 SWEAT EQUITY ...............................................................................................................8 AMENDMENTS.................................................................................................................8 EXCEPTIONS/PROCEDURES FOR EXCEPTIONAL CIRCUMSTANCES.......................8 CURRENT PLHA/INCOME LIMITS...................................................................................8 ATTACHMENT A...............................................................................................................9 Minimizing Displacement and Temporary Relocation Resulting from Housing Rehabilitation or Reconstruction Activities ........................................................................9 ATTACHMENT B.............................................................................................................10 ATTACHMENT C ............................................................................................................11 4 Loan Repayments and Discounting of Notes ..................................................................11 Payment of Property Taxes and Insurance......................................................................12 Required Request for Notice of Default ...........................................................................13 Annual Occupancy Restrictions and Certifications ..........................................................14 Requests for Subordinations............................................................................................16 Process for Loan Foreclosure..........................................................................................16 Lender as Senior Lien holder...........................................................................................17 5 CITY OF POINT ARENA

PERMANENT LOCAL HOUSING ALLOCATION

HOUSING REHABILITATION PROGRAM GUIDELINES
The City of Point Arena Housing Rehabilitation Program, (here after called “Lender”), funded by State Permanent Local Housing Allocation (PLHA) Program, is designed to expand the supply of decent, safe, sanitary, and affordable housing; to correct health and safety hazards in deteriorated housing; and to extend the useful life of existing housing units. Low interest forgivable loans are available to achieve cost-effective repairs for low-income owner-occupied homes or for accessory units occupied by low-income family members.

FAIR HOUSING
This program will be implemented in ways consistent with the Lender’s commitment to Fair Housing. No person shall be excluded from participation in, denied the benefit of, or be subjected to discrimination under any program or activity funded in whole or in part with Permanent Local Housing Allocation (PLHA) funds on the basis of their religion or religious affiliation, age, race, color, creed, ancestry, national origin, gender, marital or familial status (children), physical or mental disability, medical condition, sexual orientation, or other arbitrary cause.

OUTREACH/APPLICANT LIST
Outreach
When loan funds are available, the Lender shall conduct a periodic program to advertise and promote the Housing Assistance Program so that all those in need of rehabilitation or unit expansion assistance are aware of the Lender’s program. Efforts will be made to contact special needs households such as: elderly, single parent households, women, 6 disabled, and minorities.

Applicant List
• Applications shall be received and processed as quickly as possible. • Applicants shall be placed on the Applicant list at the time they apply for the program.
• Applicants shall provide information needed for the income and property verification process and what improvements are needed in a timely manner. If information is not forthcoming in a reasonable time, the Applicant shall be informed that their position on the Applicant list may be affected. • Unless there are emergency conditions that warrant more immediate action, projects will be funded based on the order of which the applications are received and deemed eligible.

TEMPORARY RELOCATION
Unit occupants will be informed of their eligibility for temporary relocation benefits in accordance with Government Code 2260.

CONFLICT OF INTEREST
No member of the governing body of the locality and no other official, employee, or agent of the City government who exercises policy, decision-making functions, or responsibilities in connection with the planning and implementation of the program shall directly or indirectly be eligible for this program, unless the application for assistance has been reviewed and approved according to applicable California Department of Housing and Community Development (HCD) PLHA guidelines. This ineligibility shall continue for one year after an individual's relationship with the City ends.

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 lender staff to be part of the scope of work. Owner/builders are not reimbursed for labor.) The City reserves the right to determine if the owner is capable of owner/builder rehabilitation work.
7 APPLICANT ELIGIBILITY
The applicant must be the existing homeowner and occupy the residence. Proof of occupancy will be required.

INCOME ELIGIBILITY
Income eligibility is based on the occupant’s gross annual income and must be at or below than 120 percent of the area median income. These limits can be located on the HCD website. To be eligible, household income must be equal to, or less than, the applicable HCD PLHA income guidelines (120% of the area median income). Owner will be required to provide income documentation as required by the HCD/PLHA program.

PROGRAM PRIORITY
Priority will be given to those most in need as determined by household income and by housing at risk of severe deterioration within 5-10 years.

PROPERTY ELIGIBILITY
Location
New units or rehabilitation units must be located within the City of Point Arena.

Property Taxes
Property Taxes must be paid and current to be eligible for a PLHA loan.

Evidence of Ownership
“Ownership” means any of the following interests in residential real property:
• Fee simple interest
• 99-year leasehold interest in the property
Property Types
To be eligible, the housing unit must be the primary residence of the income-eligible applicant.

Eligible property types of residence can include:
• Traditional single-family housing, manufactured or mobile homes. • Structures may be either attached or detached.
8 Environmental Review
The CEQA or City permit environmental review process must be completed prior to any loan approval.

REHABILITATIONSTANDARDS
All repair work will meet Uniform Building Code standards. The priority will be the elimination of health and safety hazards. Additionally, all repair work will comply with any special design or construction standards established by the City to preserve historic buildings. Rehabilitation work should incorporate energy efficient/green building materials.

PROPERTY IMPROVEMENTS
The goal of the Lender’s rehabilitation program is to remove deficiencies, improve energy efficiency, remediate lead-based paint, extend the useful life of the property and/or provide accessibility to comply with the Americans with Disabilities Act (ADA), and/or comply with any special design or construction standards established by the Lender to preserve historic buildings. All improvements must be physically attached to the property and permanent in nature. General property improvements should be limited to 15 percent of the rehabilitation loan amount. Luxury items are not permitted. If building materials that are normally considered “luxury items” are necessary due to a medical condition of a household member or for reasons of accessibility, the Lender may approve the use of such materials.

Examples of eligible improvements include foundation construction and repair, roof repair or replacement, electrical repair or rewiring, plumbing repair, heating system installation and repair, window and door replacement and repair, repair of structurally significant damaged wood, and floor coverings where it poses a hazard.

Examples of non-eligible improvements include swimming pools, patios and patio covers, room additions that are for leisure, landscaping upgrades, hot-tubs, custom cabinets, and high-end appliances.
9 Examples of general property improvements include improvements that bring the property into compliance with local zoning requirements, fence repairs, exterior paint, or items to improve the appearance of the property but are not health and safety items.

LEAD-BASED PAINT
Program participants rehabilitating homes constructed prior to January 1, 1978 must be provided with the proper disclosure notification concerning lead-based paint (LBP) hazards. Whenever pre-1978 houses are rehabilitated under PLHA, please refer to Title 24 Code of Federal Regulations (24 CFR) §570.608 , Lead-based paint for guidance.

The costs associated with meeting these requirements may be eligible to be paid for with PLHA funds, if available.

MANUFACTURED HOUSING UNIT/MOBILE HOME

REHABILITATION
PLHA funds may be used for the rehabilitation of an owner-occupied mobile home if it is considered part of the community’s permanent housing stock.

RECONSTRUCTION
PLHA funds may be used to demolish and reconstruct residential structures.

Reconstruction is defined as the demolition and construction of a structure. The City must document that the reconstruction costs are less than newly constructed housing and that the estimated cost of the reconstructed housing (including demolition, site preparation and temporary relocation) is less than the fair market value of the reconstructed housing and land combined.

RESIDENCY REQUIREMENTS
Owner Occupant
Owner occupants will be required to submit to the Lender between January 1 and 30 of each year for the term of the loan:
10 1. Proof of occupancy in the form of a copy of a current utility bill.

2. Statement of unit's continued use as a residence.

3. Declaration that other title holders do not reside on the premises, if applicable.

4. Proof that property insurance and taxes are paid current. o Note: If owner occupant has received financial assistance in the form of a loan from Lender, proof of property insurance must list Lender as lien holder in the amount of the Lender loan and for guaranteed replacement cost.

If an occupant sells, transfers title, or discontinues residence in the rehabilitated property, the loan is due and payable, unless one of the following applies:

1. If the owner occupant sells or otherwise transfers title of the property to a qualified income household, the Lender may consider refinancing the loan balance and subordinating the loan and continuing all or part of the lien as a Deferred Payment Loan.
o Note: transfer of title to qualified income household must first be approved by Lender, including the income certification process.

2. If the owner occupant dies, and if the heir to the property lives in the house and is income eligible, the heir may be permitted, upon approval of the Lender to refinance the loan at the rate and terms the heir qualifies for under current participation guidelines.
o Note: refinancing of the loan and/or transfer to heir must first be approved by Lender, including the income certification process.

3. If the owner occupant dies and the heir is not income eligible, the loan is due and payable.

4. If an owner occupant wants to convert full use of the rehabilitated property to any commercial or nonresidential use, the loan is due and payable. Refer to “Loan Servicing Policies and Procedures” attached at the end of these Guidelines.
1 FINANCING
Maximum Loan Amount
Loan amounts are between $25,000 and $50,000.

The loan amount may include:
• construction contract (the accepted bid price for the cost of materials and labor);
• construction contingency;
• drafting and engineering fees, if any;
• appraisal and termite inspection charges;
• credit report review fees;
• permit fees and related building fees,
• site preparation for replacement housing;
• escrow, closing and recording fees; title report and title insurance, title updates
PLHA funds cannot be used to pay property taxes.

Maximum Loan-to-Value Ratio
The maximum encumbrance is limited to 95 percent of the property’s afterrehabilitation value (determined by after improvement appraisal).

Loan Security
A Deed of Trust and Promissory Note will secure loans. 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 484 Statement of Lien, for mobile homes will be secured by HCD 480.7 –

1. Statement of Lien and include a Promissory Note and Loan Agreement.

2. All owners listed on the benefiting property title are required to sign the Deed of Trust, Promissory Note, rehabilitation contract documents, and 2 other related loan documents.

3. All Lender loans, which are not in first position on title, will require a Request for Notice of Default to be recorded as part of the transaction. a. If Lender changes address - a new Request for Notice of Default must be recorded to ensure any possible notice is sent to the current address of Lender.

Financing Terms
Owner-Occupied Property
Financing terms are made flexible to allow for maximum affordability. In addition to the Lender’s ability to do a fully deferred loan, there are three other types of financing available.

To the extent that an amortized loan payment will not cause housing costs plus all other monthly debt payments to exceed 49 percent of gross monthly income, rehabilitation costs will ordinarily be financed as a 0 percent simple interest rate loan (defined by Lender and dependent on the current market at loan close).

In the event the household cannot afford a loan payment, the rehabilitation loan will be financed at 0 percent simple interest (defined by Lender and dependent on the current market at loan close) with payments, including interest, deferred for a period up to 30 years.

Very Low-income owner-occupants (making 50 percent of County Median) or persons who are elderly (age 65 or older) or permanent disabled heads of household will be eligible for 0 percent interest (defined by Lender and dependent on the current market at loan close) deferred payment loans.

Payments are deferred for up to 30 years.
3 LOAN REQUIREMENTS
Loan Documentation
The Lender shall determine the loan amount based on the consideration of:

1. The selected bid contractual amount

2. 10 to 20 percent contingency

3. Plan or drawing preparation if any

4. Pre-project inspections (termite report, LBP inspection)

5. Escrow and title policy costs
The Lender shall provide the Applicant with the loan disclosure information.

Once the Applicant has approved the disclosure, the Lender shall process the loan for approval. The approval process shall require approval by the City of Point Arena Loan Committee. The Borrower shall be notified of approval and/or denial in writing.

Loan Approval
A loan package will be prepared by the Lender that: confirms the Applicant and property eligibility; documents the equity in and the encumbrances on the property; lists the estimated loan and construction costs; and includes any other information particular to the loan. By preparing a loan package using all the income and property eligibility, the determination of the amount and rates and terms of the PLHA loan will be outlined for the City of Point Arena Loan Committee to review.

To obtain PLHA financing, borrowers must meet all property and eligibility guidelines in effect at the time of loan approval. Applicants will be provided with written notification of approval or denial. Reason for denial will be included in a denial letter to the applicant.

Loan Settlement

1. The Borrower shall sign the following: Deed of Trust, Promissory Note, Loan Estimate and Closing Disclosure Statement, Rescission Notice, Loan Agreement, Request for Notice of Default and Sale (if applicable) and Rent Limitation Agreement (if applicable).
4 1. 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.

2. The City Manager, acting on the behalf of the Lender, shall sign the loan documents as required.

3. If the Borrower does not rescind the loan after the 3-day rescission period:

A. The Deed of Trust, Request for Notice, and Rent Limitation Agreement, as applicable, shall be recorded at the Mendocino County Recorder’s Office. The Borrower shall sign the Construction agreement and Notice to Proceed.

B. Title insurance shall be requested and received.

4. The original loan documents shall be filed with the City as applicable:

Promissory Note, Deed of Trust (recorded), Loan Agreement, Request for Notice of Default (recorded) and Rent Limitation Agreement (recorded).

5. The construction documents shall be filed with the City.

6. The Lender shall deposit loan funds into an escrow account with a reputable title company, unless the loan amount is too small to warrant incursion of escrow fees.

Loan Servicing
Refer to “Loan Servicing Policies and Procedures” attached at the end of these Guidelines.

DEFAULT AND FORECLOSURE
If a Borrower defaults on a loan, and foreclosure procedures are instituted, they shall be carried out according to the PLHA Foreclosure Policy as described in the “Loan Servicing Policies and Procedures” attached at the end of these Guidelines.

INSURANCE
Standard Property Insurance
Borrower must maintain property insurance coverage naming the Lender as loss payee in first position or additional insured if the loan is a second mortgage. If Borrower fails to 5 maintain the necessary insurance, the Lender is notified in writing by the insurance company. If this occurs, the Lender may take out forced place 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.

Fire Insurance
The Borrower shall maintain fire insurance on the property for the duration of the loan(s). This insurance must be an amount adequate to cover all encumbrances on the property. The insurer must identify the Lender as Loss Payee for the amount of the loan(s). A binder shall be provided to the Lender. In the event the Borrower fails to make the fire insurance premium payments in a timely fashion, the Lender at its option may make such payments for a period not to exceed 60 days. The Lender may, in its discretion and upon the showing of special circumstances, make such premium payments for a longer period. Should the Lender make any payments, it may, in its sole discretion, add such payments to the principal amount that the Borrower is obligated to repay the Lender under this program.

Flood Insurance
In areas designated by HUD as flood prone (located in a 100-year flood plain) the Borrower is required to maintain flood insurance in an amount adequate to secure the Rehabilitation Loan. The policy must designate the Lender as Loss Payee. The premium may be paid by the Rehabilitation Loan for one year.

CONTRACTING PROCEDURES
• All housing rehabilitation work must be carried out using the adopted Housing Rehabilitation Program Guidelines.
• The Lender will prepare the bid package, review ands select bids, and select the contractor following City procurement practices.
• The Lender will select the contractor and coordinate schedules with the borrower.

All general and sub-contractors must be checked and cleared with HCD’s federal 6 debarred list of contractors and have a SAMS number or Unique Entity Identifier (UEI).
• All general and sub-contractors must be actively licensed and bonded with the State of California.
• All general and sub-contractors must have public liability insurance to the Lender’s required limits, and if applicable, maintain Workers’ Compensation and Employer Liability insurance to the extent required by State Law. • All general and sub-contractors must comply with PLHA regulations. • A Notice of Completion must be recorded with the County Recorder.

DISPUTE RESOLUTION/APPEALS PROCEDURE
Any person/household applying for a Rehabilitation Loan through the PLHA program has the right to appeal if their application is denied. In addition, during pre-construction, construction, or post-construction periods, the Borrower has a similar right to have any disputes heard and resolved.

Rehabilitation program representatives are primarily responsible to assure that the program is implemented in compliance with state and federal regulations in a timely and responsible manner. This includes developing accurate and professional files, work write-ups and contract documents. Program representatives attend the meeting between the homeowner and the contractor when the contract documents are signed and facilitate in the clarification and/or corrections of proposed work, so a clear understanding is established between both parties.

During and after completion of construction, the contractor's work is monitored for code compliance by the Lender’s Building Inspector and for quality by the Housing Rehabilitation Inspector.

The contractual obligation for rehabilitation is ultimately between the contractor and the homeowner. If a situation occurs where the two parties are in conflict, the following procedure will occur:
7 Before any intervention occurs, the homeowner or contractor shall communicate perceived problems or complaints directly to the other party. To resolve the differences, each will give the other an opportunity to respond or correct the problem.

If the first attempt fails, the homeowner or contractor may ask the City of Point Arena City Manager or designee to informally intervene. This intervention might include telephone call(s) to the contractor or homeowner, meeting(s) at the job site or in the office, or other actions as seem appropriate, including such things as the establishment of written working guidelines, or other post-contractual agreement.

If the City of Point Arena City Kanager or designee is unable to satisfactorily resolve the homeowner-contractor differences, the homeowner, contractor, or program representative, will contact HCD detailing the problem. In cases of building code compliance or questions of construction quality, the building official might also be contacted.

It must be recognized that the homeowner has other options which they may choose to utilize, including contacting the Contractors State Licensing Board and submitting a complaint.

Any controversy between the parties that cannot be settled through the informal intervention process outlined above shall be submitted to binding arbitration. Costs for the arbitration will be borne by the losing party, or subject to the terms of the arbitration agreement.

The parties shall attempt to agree on a single arbitrator to hear the dispute. If they cannot agree each party shall appoint an arbitrator. If the two arbitrators cannot reach an agreement, then they shall appoint a third arbitrator whose decision shall be final and binding. The cost of the arbitration shall be borne by the losing party unless the arbitrator determines otherwise. The arbitration shall be conducted in accordance with the rules of the American Arbitration Association then in force.
8 SWEAT EQUITY
Participants who wish to perform sweat equity must obtain approval from the general contractor and sign a written commitment itemizing the work they will perform, a time schedule for completion and a dollar value of the contribution.

Owners that contribute sweat equity that involves painting will not participate in activities that include the abatement or mitigation of lead paint hazards without first being trained on Safe Work Practices as required by the City and provide documentation of such in the project file.

AMENDMENTS
Amendments to these Guidelines may be made by the Lender.

EXCEPTIONS/PROCEDURES FOR EXCEPTIONAL

CIRCUMSTANCES
Any case to which a standard policy or procedure, as stated in the guidelines, does not apply or an Applicant treated differently from others would be an exception.

In the event of extraordinary or special circumstances, the Loan Committee may grant an exception to the guidelines if the exception does not violate the regulations of the funding sources.

The Program staff may initiate consideration of an exception and prepare a report. This report shall contain a narrative, including staff’s recommended course of action and any written or verbal information supplied by the Applicant. The request shall be presented to the Loan Committee for decision and consideration.

CURRENT PLHA/INCOME LIMITS
For consistency in calculating household incomes, the Lender will use the most current income limits available when determining household income. The PLHA income limits are updated annually.
9 ATTACHMENT A
Minimizing Displacement and Temporary Relocation Resulting from Housing Rehabilitation or Reconstruction Activities
• Projects that might require the temporary displacement of the residents will be staged to allow owner occupants to remain during minor rehabilitation whenever possible. In the event that a temporary dislocation occurs, the borrower/resident will be responsible for any costs incurred caused by the displacement.
10 ATTACHMENT B

ANNUAL HOUSEHOLD INCOME DEFINITION
For the purposes of determining eligibility in accordance with HCD PLHA income guidelines,
Annual Income will include, for all members of the household:
• Gross wages and salary before deductions.
• Net money income from self-employment.
• Cash income received from such sources as rental units, Social Security benefits, pensions, and periodic income from insurance policy annuities. • Periodic cash benefits from public assistance and other compensation, including Supplemental Security Income (SSI), Worker's Compensation, State Disability Insurance and Unemployment benefits.
• Interest earned on savings and investments.

Annual Income will not include:
• Non-cash income such as food stamps or vouchers received for the purpose of food or housing.
• Capital gains or losses.
• One-time unearned income such as scholarship and fellowship grants; accident, health or casualty insurance proceeds; prizes or gifts; inheritances. • Payments designated specifically for medical or other costs, foster children, or their non-disposable income.
• Income from employment of children under the age of 18. • Payment for the care of foster children.

This is not meant to be a complete list.

The City of Point Arena will make the final decision in situations where the classification of income is not clear-cut. Any exceptions or other deviations from this definition of annual income will be considered by the City of Point Arena. The City shall use the Income Guidelines published each year by HCD/PLHA. The maximum gross annual income for an eligible household shall be 120 percent of the area median income for the household size. 11 ATTACHMENT C

LOAN SERVICING POLICES AND PROCEDURES
The City of Point Arena here after 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-bycase basis. The Lender has formulated this document to comply with state regulations regarding the use of these public funds and any property restrictions which are associated with them.

The policies and procedures address the following areas: 1) making required payments or paying off a loan’s principle 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 notifications and limitations on any changes in title or use of property; 6) required noticing and process for requesting a subordination during a refinance; 7) process of foreclosure in case of default on the loan.

Loan Repayments and Discounting of Notes
When the rehabilitation project is completed and the amount used to complete the project is less than the amount loaned, the Lender will notify the title company holding the escrow account to refund the unused balance to the Lender. The Lender will reduce the amount of principal accordingly and recalculate the interest.

The Lender will collect monthly payments from those Borrowers who are obligated to do so under an Installment Note, which are amortized promissory notes. Late fees will be charged for payments received after the assigned monthly date. The Lender will provide 12 to the Borrower a debt amortization schedule and will maintain said schedule to account for the loan repayments and any penalties.

For Straight Notes, which are deferred payment loans; the Lender may accept voluntary payments on the loan. Loan payments will be credited to interest first and then to principal. The Borrower may repay the loan accrued interest and principal at any time with no penalty.

The Lender will maintain an accurate listing of all loans including but not limited to the following information, Borrower’s name, address, loan closing date, amount of principal, interest rate, calculation of interest, total payoff amount, maturity date, property taxes and insurance current.

Lender is notified that the Borrower intends to pay off a loan, the Lender will provide a demand letter with the payoff amount. This includes the amount of principal, accrued interest, any recording or late fees or other penalties, and a per diem amount (interest per day) and an interest through date (typically the same date at the demand letter).

The Lender will process and record a Substitution of Trustee and Full Reconveyance upon loan satisfaction. A conformed recorded copy is mailed to the Borrower along with the original Deed of Trust and Promissory Note within 30-days of receipt of payoff funds. The original Deed of Trust and Promissory Note are to be stamped paid in full with the date and an initial of the responsible staff person processing the documents.

Copies of the reconveyance, deed, and promissory note, showing as paid in full are to be kept in the Borrower’s file.

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 in first position or additional insured if the loan is a second mortgage. If Borrower fails to maintain the necessary insurance, the Lender is notified in writing by the insurance company. If this occurs the Lender may take out forced place 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. The 13 City needs to ensure that interest on any costs added to the loan accrue interest from the point the cost was incurred.

When a property is located in a 100-year flood plain, the Borrower will be required to carry the necessary flood insurance. A certificate of insurance for flood and for standard property insurance will be required at close of escrow. The lender may check 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 lender may pay the taxes current and add the balance of the tax payment plus any penalties to the balance of the loan. Wherever possible, the Lender 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.

All Borrowers will be evaluated semi-annually by the Lender to confirm timely payments of property taxes. In January and May of each year the Lender will access the County Treasurer-Tax Collector website and view the Borrower’s tax bill to determine if tax payments have been made.

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 lien holder listed in the notice to notify the lender of initiation of a foreclosure action. The Lender will then have time to contact the Borrower and assist them in bringing the first loan current. 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 lien holder, it is in their best interest to contact any other senior lien holders regarding the status of their loans.
14 Note: If Lender’s address has changed, a new Request for Notice of Default, signed by the appropriate City representative must be recorded. If this process is not completed, the Notice of Default will be mailed to the address on file and possibly never received by the Lender.

Annual Occupancy Restrictions and Certifications
All owner-occupied Borrowers will be evaluated annually by the Lender to confirm continuous owner occupancy status. Borrowers will be required to submit to the City of Point Arena between January 1 and 30 of each year for the term of the loan:
• Proof of occupancy in the form of a copy of a current utility bill. • Statement, under penalty of perjury, of unit's continued use as a residence. • Declaration that other title holders do not reside on the premises. • Proof of property insurance, with the City of Point Arena named as additional insured and for guaranteed replacement cost.
• Proof of property taxes showing current paid status
Lender to check their local Recorder’s Office online records and search to ensure the property title has not been transferred to another name – if so, loan is due and payable (perform every 6-12 months).

Lender to check with their local Coroner’s Office to ensure any borrower has not yet passed away. If it is found that a borrower has passed away, the loan is due and payable. Lender is contact family heirs to work on any option available up to and including foreclosure of the property.

These loan terms are incorporated in the original note and deed of trust. If a Borrower sells, transfers title, or discontinues residence in the rehabilitated property, the loan is due and payable.

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 15 notify the Lender in writing of any change. Lender 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 Lender. Changes in title or occupancy must be in keeping with the objective of benefit to the income qualified families.

Owner-Occupant to Owner-Occupant
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 assume all loan repayment obligations of the original owneroccupant, subject to the approval of the City of Point Arena Loan Committee.

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 family size and household income, provided the heir is income qualified. If the heir intends to occupy the property and is not income qualified, 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 Lender’s 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 family still resides in the property.

Partial conversions can be allowed, if they are 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.
16 Requests for Subordinations
When a Borrower has a primary mortgage recorded in a senior position to the City’s loan and wishes to refinance the primary loan, they must submit a written subordination request to the Lender (City of Point Arena). The Lender will only subordinate their loan 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 family 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 agency, 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.

Process for Loan Foreclosure
Upon any condition of loan default: 1) nonpayment; 2) lack of insurance or property tax payment; 3) violation of rent limitation agreement; 4) change in title or use without approval; 5) default on senior loans, the Lender will send out a letter to the Borrower notifying them of the default situation. If the default situation continues then the Lender may start a formal process of foreclosure.

When a senior lien holder starts a foreclosure process and the Lender is notified via a Request for Notice of Default, the Lender, who is the junior lien holder, may cancel the foreclosure proceedings by "reinstating" the senior lien holder. The reinstatement amount or payoff amount must be obtained by contacting the senior lien holder. This amount will include all delinquent payments, late charges and fees to date. Lender must confer with Borrower to determine if, upon paying the senior lien holder current, the Borrower can provide future payments. If this is the case, then the Lender may cure the 17 foreclosure and add the costs to the balance of the loan with a Notice of Additional Advance on the existing note.

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 lien holder in total and restructure the debt such that the unit is made affordable to the Borrower. If the Lender does not have enough funds to pay the senior lien holder in full, then they may choose to cure the senior lien holder and foreclose on the property themselves. If there is sufficient value in the property, the Lender can afford to pay for the foreclosure process and pay off the senior lien holder and retain some or all of their investment.

If the Lender decides to reinstate, the senior lien holder 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 Lender fails to reinstate the senior lien holder before five (5) days prior to the foreclosure sale date, the senior lien holder would then require a full payoff of the balance, plus costs, to cancel foreclosure. If the Lender, after exercising due diligence, determines the reinstatement and maintenance of the property not to be cost effective and allows the senior lien holder to complete foreclosure, the Lender's lien may be eliminated due to insufficient sales proceeds.

Lender as Senior Lien holder
When the Lender is first position as a senior lien holder, 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 staff will consider the following factors before initiating foreclosure:
• Can the loan be cured, and can the rates and terms be adjusted to allow for 18 affordable payments such that foreclosure is not necessary? • Can the Borrower refinance with a private lender and pay off the Lender? • Can the Borrower sell the property and pay off the Lender? • 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 fire 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 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 Below Market Interest Rate (BMIR) current or pay off a DPL).

At the end of 30 days, the Lender should contact and potentially procure reputable foreclosure services or local title companies to prepare and record foreclosure documents and make all necessary notifications to the owner and junior lien holders.

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.
19 2

1. Complete and sign the application.

2. Submit signed application including copies of all supporting documentation listed on page 2 of the application.

1. Once you have qualified for the program, the County Building Official will schedule an inspection of your property.

2. A list of corrective actions for any health and safety deficiencies, combined with a limited amount of general property improvements, will be developed and used as the scope of work for the project.

1. You will be provided with a copy of the scope of work and a list of contractors.

2. You will choose contractor(s) from the list and contact them to request a quote for the construction repairs. For more information about contractor(s) eligibility, or if a contractor you wish to use is not on the City list, please refer to the Program Guidelines.

3. The contractor(s) you choose will visit your home on an agreed-upon date and time to walk the project, take measurements and photos, and prepare a quote for the work.

4. Once the scope of work is agreed upon, the applicant’s contractor(s) will prepare a list of project improvements (e.g., materials, roofing, siding, windows, foundation, or new unit development).

5. The contractor(s) quote(s) are then sent to the applicant and the City. The City will add a copy of the quote(s) to your application package.

1. Once your application is approved, you will be asked to sign loan documents including: a promissory note for the loan; a deed of trust to secure the promissory note; and a loan disclosure statement describing the terms of the loan.

2. On the scheduled date, the owner and contractor will sign the Owner-Contractor contract. The contract will specify the complete scope of work to be performed, length of time allowed to complete the work, procedure for paying the contractor, qualifications and insurance requirements, process for changing the terms of the contract, warranty period, and other contract issues that protect the rights of the owner and contractor.

How to Apply
The Scope of Work
The Bidding Process
Construction Contract and Loan Contract Signing
3 3. As with all legal contracts, you (owner) will have three business days (72 hours) after signing, to exercise your “Right to Cancel” during which time you may change your mind and withdraw from the program. “Business Days” include Saturdays, but do not include Sundays or Holidays.

Should you opt to withdraw from the program, you are not disqualified from applying again later. However, the City of Point Arena does ask you to carefully consider your commitment to our program, as many hours of administrative time go into processing each application.

1. When the “Rightsto Cancel” period ends and on the agreed-upon date, the City issues the Notice to Proceed, and the contractor is allowed to begin the work.

2. The length of the contract may be extended if additions or changes to the contract are agreed upon, or if unavoidable delays such as inclement weather occur.

3. During construction, the contractor may request periodic “progress payments” prior to the project's completion. These payments will be made on an agreed-upon schedule and will only pay for items of work that are complete, signed off by the Building Division (if necessary), and meet the standards set forth by the City of Point Arena.

4. Upon completion of all work items, the County Building Official will perform a final inspection, verify that all building permits have been signed off, collect final lien waivers, process a final progress payment, and issue a Notice of Completion.

Our goal at the City of Point Arena is to support you, the homeowner, in the successful rehabilitation of your home or the addition of an accessory unit. Please contact Jeff Lucas at [email protected], or call City Hall 707-882-2122 if you need assistance at any point in the application process.

Construction and Completion
4 APPLICATION CHECKLIST
Applicant’s Name: _________________________________________________________ Property Address: __________________________________________________________ Thank you for your interest in the Owner-Occupied Rehabilitation Program. Please complete the forms included in this application package and attach all necessary documents. A checklist is provided below for your convenience.

HAVE YOU READ, COMPLETED, SIGNED, DATED THE APPLICATION FORMS? [ ] APPLICATION
[ ] FAIR LENDING NOTICE/RIGHT TO PRIVACY
[ ] LEAD-BASED PAINT DISCLOSURE
EPA Brochure: PROTECT YOUR FAMILY FROM LEAD IN YOUR HOME [ ] HOMEOWNER’S INSURANCE FORM; PLEASE SUBMIT A COPY OF YOUR POLICY [ ] BORROWER’S CERTIFICATION AND AUTHORIZATION TO RELEASE INFORMATION HAVE YOU PROVIDED COPIES OF THE FOLLOWING INFORMATION?
[ ] Pay stubs for the most recent two-month period or other current proof of income (including but not limited to Social Security, retirement, pension, TANF, etc.) for all household members, 18 years of age and older who are not full-time students, receiving income at the time of application.
[ ] Statements for the last six consecutive months for checking and most current for savings accounts, (including, but not limited to stocks, IRAs, pension accounts, mutual funds, etc.) for all household members, 18 years of age and older who are not full-time students, receiving income at the time of application. Please include ALL pages of each bank statement even if they are blank.
[ ] Federal income tax returns from the last two years for all household members, 18 years of age and older, receiving income at the time of the application. [ ] Mortgage statements for the last two months and the amount of the remaining mortgage. [ ] Utility bills for the two most recent, consecutive months (PG&E, water, sewer, and garbage) [ ] Current homeowner’s insurance policy or declaration statement that specifies policy number, policy period, and amount of coverage.
[ ] Copy of property tax statements for most recent year. [ ] Copy of Whole Life Insurance policy, if applicable
[ ] Copy of Trust, if applicable
City of Point Arena

OWNER-OCCUPIED HOUSING REHABILITATION AND

ASSESSCORY UNIT PROGRAM
5 Property Address:

LOAN APPLICATION
Please describe the repairs needed to the property or new unit size and location:
_____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ E-mail Address:

Daytime phone number: ( ) - Evening phone number: ( ) - Preferred language: ( ) English ( ) Spanish ( ) Other:

I. Owner Information:

Please complete the following information about the owner of the house. If there is a second owner living in the home, be sure to also complete Section II.

Owner’s Name:

Social Security Number:

Date of Birth: (Month/Day/Year):

Income from sources (wages, social security, retirement, pension, AFDC, etc.) Employer: Monthly Salary: $
Other Source of Income: Monthly Amount: $
Other Source of Income: Monthly Amount: $
Assets/Accounts (checking, savings, stocks, pension, IRA, etc.) Bank Name & Type of Account: ___________________________ Current Balance: $
Bank Name & Type of Account: ___________________________ Current Balance: $
City of Point Arena

OWNER-OCCUPIED HOUSING REHABILITATION AND

ASSESSCORY UNIT PROGRAM
6 II. Co-Owner Information:

Please complete the following information on the co-owner of the house. If there is no co-owner skip to Section III.

Co-Owner’s Name: _____________________________________________________________ Social Security Number:_____________________________________________ Date of Birth: (Month/Day/Year) ______________________________________ Income from sources (wages, social security, retirement, pension, AFDC, etc.) Employer: Monthly Salary: $
Other Source of Income: Monthly Amount: $
Other Source of Income: Monthly Amount: $
Assets/Accounts (checking, savings, stocks, pension, IRA, etc.) Bank Name & Type of Account: ___________________________ Current Balance: $
Bank Name & Type of Account: ___________________________ Current Balance: $
III. Property Information:

Please provide the following information about your home:

Date of Purchase: / Purchase Price: $
1st Mortgage Holder:

Institution Name: ______________________________________________________ Balance: $ Monthly Payment: $
2nd Mortgage Holder:

Institution Name: ______________________________________________________ Balance: $ Monthly Payment: $
Is your home in a trust or are you a party to a trust? [ ] Yes [ ]No 7 IV. Household Information
How many people live in your home: How many receive income:

What are the names and ages of all other people living in your home?

1. 2.

3. 4.

5. 6.

What is the combined monthly income of everyone 18 or over living in your home:
$
What is your combined annual gross household income:
$
Do you expect your household composition to change in the next 6 months? [ ] Yes [ ] No
Please provide the following information for the head of the household in all 6 categories.

SEX: [ ] Male [ ] Female
AGE: [ ] Under the age of 62 [ ] 62 or older
RACE: Check all that apply.
[ ] White [ ] American Indian or Alaska Native
[ ] Asian [ ] Native Hawaiian or Other Pacific
Islander [ ] Black or African American
ETHNICITY: [ ] Hispanic or Latino [ ] Not Hispanic or Latino DISABLED: [ ] Yes [ ] No
ARE YOU A VETERAN: [ ] Yes [ ] No
The City of Point Arena offers rehabilitation financing. To assist with this, I agree to release information regarding INCOME, MORTGAGES, and/or BANK ACCOUNT(s). I give my permission to use copies of this consent form in obtaining the required information and hereby certify that to the best of my knowledge, all the information given is true and complete.

Owner ________________________________________________ Date _____________________ Co-owner _____________________________________________ Date _____________________ 8 City of Point Arena

FAIR LENDING NOTICE AND

NOTICE OF RIGHT TO FINANCIAL PRIVACY

FAIR LENDING NOTICE
To all borrowers for a real property secured to purchase, construct, rehabilitate, improve, or refinance an owneroccupied one to four family residence; and all owner-applicants for a real property secured home improvement loan to improve a one to four family residence (whether or not owner-occupied):

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided that the applicant has the capacity to enter into a binding contract); because all or part of an applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this credit is the U.S. Comptroller of the Currency, Consumer Affairs division, Washington, D.C. 20219.

In Addition to your rights under Federal law, you may also have rights afforded under state law.

FOR CALIFORNIA RESIDENTS ONLY: In accordance with California law, the following notice is given to applicants who are residents of California.

The California Housing Financial Discrimination Act of 1977 provides in part as follows: 35810. No financial institution shall discriminate in the availability of, or in the provision of, financial assistance for the purpose of purchasing, constructing, rehabilitating, improving, or refinancing housing accommodations due, in whole or part, to the consideration of conditions, characteristics, or trends in the neighborhood or geographic area surrounding the housing accommodation, unless the financial institution can demonstrate that such consideration in the particular case is required to avoid an unsafe and unsound business practice. 35811. No financial institution shall discriminate in the availability of, or in the provision of, financial assistance for the purpose of purchasing, constructing, rehabilitation, improving refinancing housing accommodations due, in whole or in part, to the consideration of race, color, religion, sex, marital status, national origin, or ancestry. 35812. No financial institution shall consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance for the purpose of purchasing, constructing, rehabilitating, improving, or refinancing a housing accommodation. No financial institution shall utilize appraisal practices that are inconsistent with the provisions of this part.

If you wish to file a complaint, or if you have questions about your rights, contact: Comptroller of the Currency, Administrator of National Banks, Western District, Consumer Complaint Department, 50 Fremont Street, Suite 3900, San Francisco, California 94105.

NOTICE OF RIGHT TO FINANCIAL PRIVACY:

This is notice to you as required by the Right of Financial Privacy Act of 1978 that the Department of Housing and Urban Development has a right of access to financial records held by any financial institution in connection with the consideration or administration of the housing rehabilitation loan for which you have applied. Financial records involving your transaction will be available to the Department of Housing and Urban Development without further notice or authorization but will not be disclosed or released to other except as required or permitted by law.

Owner Signature____________________________________________Date______________________________ Co-Owner Signature _______________________________________ Date:______________________________ 9 City of Point Arena

LEAD-BASED PAINT DISCLOSURE

FOR OWNER-OCCUPIED RESIDENCE
The City of Point Arena has provided me with a copy of the EPA brochure PROTECT YOUR FAMILY FROM LEAD IN YOUR HOME.

I have read and understand the contents of this brochure in its entirety.

___________________________________________________________________________________________ Owner’s Signature Date
____________________________________________________________________________________ Co-Owner’s Signature Date
____________________________________________________________________________ Home Address
10 City of Point Arena

OWNER-OCCUPIED HOUSING REHABILITATION AND

ASSESSCORY UNIT PROGRAM
HOMEOWNER’S INSURANCE POLICY

IN ADDITION TO PROVIDING THE FOLLOWING INFORMATION, PLEASE PROVIDE A COPY OF HOMEOWNER’S INSURANCE POLICY OR A COPY OF THE DECLARATION STATEMENT.

The undersigned does hereby declare, under penalty, that the following “homeowner insurance policy” is in effect
Property Address: ________________________________________________________________ Insurance Company:

Name of Insurance Agent:

Address of Agent: ______________________________________________________________ Phone Number of Agent: ( )
Policy No.: _______________________________ Policy Period: ______________________ Amount of Coverage: $ Annual Premium: $
As the holder of the Deed of Trust on our property, we acknowledge that the City of Point Arena’ insurance requirements are as follows:

1. A valid and collectable policy of insurance including the perils of fire and hazards covered by special form must be always maintained.

2. The amount of insurance is to be not less than the outstanding loan balances, or improvement costs.

3. The Borrower’s insurance company will be notified of the City of Point Arena’ loan and the amount of required coverage. TheCity of Point Arena will be added to the policy as “Additional Loss Payee.” Proof of these changes will be provided to the City of Point Arena Housing Division in writing.
______________________________________________________________________________________ Owner Signature Date
_____________________________________________________________________________________ Co-Owner Signature Date
11 City of Point Arena

OWNER-OCCUPIED HOUSING REHABILITATION AND

ASSESSCORY UNIT PROGRAM
BORROWER’S CERTIFICATION

AUTHORIZATION TO RELEASE INFORMATION
The undersigned certify the following:

1. I/We have applied for a mortgage loan from the City of Point Arena (the Lender).

2. In applying for the loan, I/We completed a loan application containing information pertaining to qualifications for the loan, including but not limited to current residence address, the amount and source of the down payment, employment and income information, and the assets and liabilities. I/We certify that all the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information.

3. I/We understand and agree that the City of Point Arena reserves the right to verify the information provided on the application with the employer and/or the financial information.

4. I/We fully understand that it is a federal crime punishable by fine or imprisonment, or both, to make any false statement when applying for this mortgage, as applicable under the provisions of the Title 18, United States Code, Section 1014.

Authorization to Release Information
To Whom It May Concern:

1. I/We have applied for a mortgage loan from the City of Point Arena. As part of the application process, the City of Point Arena and its program operator, Community Development Services, may verify the information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program.

2. In addition, I/We understand and authorize that my application or closed loan file may be selected by the City of Point Arena, their agents, successors or assigns for a quality control review. Should such a review be conducted, it may involve the re-verification of employment, income, credit, debt, or other information obtained during the processing of my loan application and the re-evaluation of the property, the appraisal, or value of the property.

3. I/We authorize you to provide to the City of Point Arena, Community Development Services, or a third party authorized by the Lender, any, and all information and documentation that they 12 request. Such information includes but is not limited to employment history and income; bank, money, and similar account balances; credit history; and copies of income tax returns.

4. The City of Point Arena and Community Development Services may address this authorization to those named in the loan application.

5. A copy of this authorization may be accepted as an original. ___________________________________________________________________________________________________ Borrower Signature Date
________________________________________________________________________________ Co-Borrower Signature Date
IMPORTANT!
Lead From Paint, Dust, and Soil in and
Around Your Home Can Be Dangerous if
Not Managed Properly
• Children under 6 years old are most at risk for lead
poisoning in your home.
• Lead exposure can harm young children and babies even before they are born.
• Homes, schools, and child care facilities built before 1978 are likely to contain lead-based paint.
• Even children who seem healthy may have dangerous
levels of lead in their bodies.
• Disturbing surfaces with lead-based paint or removing lead-based paint improperly can increase the danger to
your family.
• People can get lead into their bodies by breathing or swallowing lead dust, or by eating soil or paint chips
containing lead.
• People have many options for reducing lead hazards.

Generally, lead-based paint that is in good condition is not a hazard (see page 10).

Protect
Your
Family
From
Lead in
Your
Home
United States
Consumer Product
Safety Commission
United States
United States
Environmental
Protection Agency
Department of Housing
and Urban Development
March 2021
Are You Planning to Buy or Rent a Home Built
Before 1978?
Did you know that many homes built before 1978 have lead-based paint? Lead from paint, chips, and dust can pose serious health hazards.

Read this entire brochure to learn:
• How lead gets into the body
• How lead afects health
• What you can do to protect your family
• Where to go for more information
Before renting or buying a pre-1978 home or apartment, federal law requires:
• Sellers must disclose known information on lead-based paint or leadbased paint hazards before selling a house. • Real estate sales contracts must include a specifc warning statement about lead-based paint. Buyers have up to 10 days to check for lead. • Landlords must disclose known information on lead-based paint or lead-based paint hazards before leases take efect. Leases must include a specifc warning statement about lead-based paint.

If undertaking renovations, repairs, or painting (RRP) projects in your pre-1978 home or apartment:
• Read EPA’s pamphlet, The Lead-Safe Certifed Guide to Renovate Right, to learn about the lead-safe work practices that contractors are required to follow when working in your home (see page 12).

Consumer Product Safety Commission (CPSC)
The CPSC protects the public against unreasonable risk of injury from consumer products through education, safety standards activities, and enforcement. Contact CPSC for further information regarding consumer product safety and regulations.

CPSC
4330 East West Highway
Bethesda, MD 20814-4421
1-800-638-2772
cpsc.gov or saferproducts.gov
U. S. Department of Housing and Urban
Development (HUD)
HUD’s mission is to create strong, sustainable, inclusive communities and quality afordable homes for all. Contact Ofce of Lead Hazard Control and Healthy Homes for further information regarding the Lead Safe Housing Rule, which protects families in pre-1978 assisted housing, and for the lead hazard control and research grant programs.

HUD
451 Seventh Street, SW, Room 8236
Washington, DC 20410-3000
(202) 402-7698
hud.gov/lead
This document is in the public domain. It may be produced by an individual or organization without permission. Information provided in this booklet is based upon current scientifc and technical understanding of the issues presented and is refective of the jurisdictional boundaries established by the statutes governing the co-authoring agencies. Following the advice given will not necessarily provide complete protection in all situations or against all health hazards that can be caused by lead exposure.

U. S. EPA Washington DC 20460 EPA-747-K-12-001
U. S. CPSC Bethesda MD 20814 March 2021
U. S. HUD Washington DC 20410
17 U. S. Environmental Protection Agency (EPA)
Regional Ofces
The mission of EPA is to protect human health and the environment.

Your Regional EPA Ofce can provide further information regarding regulations and lead protection programs.

Region 1 (Connecticut, Massachusetts, Maine,
New Hampshire, Rhode Island, Vermont)
Regional Lead Contact
U.S. EPA Region 1
5 Post Ofce Square, Suite 100, OES 05-4
Boston, MA 02109-3912
(888) 372-7341
Region 2 (New Jersey, New York, Puerto Rico,
Virgin Islands)
Regional Lead Contact
U.S. EPA Region 2
2890 Woodbridge Avenue
Building 205, Mail Stop 225
Edison, NJ 08837-3679
(732) 906-6809
Region 3 (Delaware, Maryland, Pennsylvania,
Virginia, DC, West Virginia)
Regional Lead Contact
U.S. EPA Region 3
1650 Arch Street
Philadelphia, PA 19103
(215) 814-2088
Region 4 (Alabama, Florida, Georgia,
Kentucky, Mississippi, North Carolina, South
Carolina, Tennessee)
Regional Lead Contact
U.S. EPA Region 4
AFC Tower, 12th Floor, Air, Pesticides & Toxics
61 Forsyth Street, SW
Atlanta, GA 30303
(404) 562-8998
Region 5 (Illinois, Indiana, Michigan,
Minnesota, Ohio, Wisconsin)
Regional Lead Contact
U.S. EPA Region 5 (LL-17J)
77 West Jackson Boulevard
Chicago, IL 60604-3666
(312) 353-3808
Region 6 (Arkansas, Louisiana, New Mexico,
Oklahoma, Texas, and 66 Tribes)
Regional Lead Contact
U.S. EPA Region 6
1445 Ross Avenue, 12th Floor
Dallas, TX 75202-2733
(214) 665-2704
Region 7 (Iowa, Kansas, Missouri, Nebraska)
Regional Lead Contact
U.S. EPA Region 7
11201 Renner Blvd.

Lenexa, KS 66219
(800) 223-0425
Region 8 (Colorado, Montana, North
Dakota, South Dakota, Utah, Wyoming)
Regional Lead Contact
U.S. EPA Region 8
1595 Wynkoop St.

Denver, CO 80202
(303) 312-6966
Region 9 (Arizona, California, Hawaii,
Nevada)
Regional Lead Contact
U.S. EPA Region 9 (CMD-4-2)
75 Hawthorne Street
San Francisco, CA 94105
(415) 947-4280
Region 10 (Alaska, Idaho, Oregon,
Washington)
Regional Lead Contact
U.S. EPA Region 10 (20-C04)
Air and Toxics Enforcement Section
1200 Sixth Avenue, Suite 155
Seattle, WA 98101
(206) 553-1200
Simple Steps to Protect Your Family
from Lead Hazards
If you think your home has lead-based paint:
• Don’t try to remove lead-based paint yourself.
• Always keep painted surfaces in good condition to minimize deterioration.
• Get your home checked for lead hazards. Find a certifed inspector or risk assessor at epa.gov/lead.
• Talk to your landlord about fxing surfaces with peeling or chipping paint.
• Regularly clean foors, window sills, and other surfaces. • Take precautions to avoid exposure to lead dust when
remodeling.
• When renovating, repairing, or painting, hire only EPA- or stateapproved Lead-Safe certifed renovation frms. • Before buying, renting, or renovating your home, have it checked for lead-based paint.
• Consult your health care provider about testing your children for lead. Your pediatrician can check for lead with a simple blood test.
• Wash children’s hands, bottles, pacifers, and toys often. • Make sure children eat healthy, low-fat foods high in iron, calcium, and vitamin C.
• Remove shoes or wipe soil of shoes before entering your house.
16 1
Lead Gets into the Body in Many Ways
Adults and children can get lead into their bodies if they:
• Breathe in lead dust (especially during activities such as renovations, repairs, or painting that disturb painted surfaces).
• Swallow lead dust that has settled on food, food preparation surfaces, and other places.
• Eat paint chips or soil that contains lead.

Lead is especially dangerous to children under the age of 6. • At this age, children’s brains
and nervous systems are
more sensitive to the
damaging efects of lead.
• Children’s growing bodies
absorb more lead.
• Babies and young children
often put their hands
and other objects in their
mouths. These objects can
have lead dust on them.

Women of childbearing age should know that lead is dangerous to a developing fetus.
• Women with a high lead level in their system before or during pregnancy risk exposing the fetus to lead through the placenta during fetal development.

For More Information
The National Lead Information Center
Learn how to protect children from lead poisoning and get other information about lead hazards on the Web at epa.gov/lead and hud.gov/lead, or call 1-800-424-LEAD (5323).

EPA’s Safe Drinking Water Hotline
For information about lead in drinking water, call 1-800-426-4791, or visit epa.gov/safewater for information about lead in drinking water.

Consumer Product Safety Commission (CPSC) Hotline
For information on lead in toys and other consumer products, or to report an unsafe consumer product or a product-related injury, call 1-800-638-2772, or visit CPSC’s website at cpsc.gov or
saferproducts.gov.

State and Local Health and Environmental Agencies
Some states, tribes, and cities have their own rules related to leadbased paint. Check with your local agency to see which laws apply to you. Most agencies can also provide information on fnding a lead abatement frm in your area, and on possible sources of fnancial aid for reducing lead hazards. Receive up-to-date address and phone information for your state or local contacts on the Web at epa.gov/lead, or contact the National Lead Information Center at 1-800-424-LEAD.

Hearing- or speech-challenged individuals may access any of the phone numbers in this brochure through TTY by calling the tollfree Federal Relay Service at 1-800-877-8339. 2 15
Other Sources of Lead, continued
• Lead smelters or other industries that release lead into the air. • Your job. If you work with lead, you could bring it home on your body or clothes. Shower and change clothes before coming home. Launder your work clothes separately from the rest of your family’s clothes. • Hobbies that use lead, such as making pottery or stained glass, or refnishing furniture. Call your local health department for information about hobbies that may use lead.
• Old toys and furniture may have been painted with lead-containing paint. Older toys and other children’s products may have parts that contain lead.4
• Food and liquids cooked or stored in lead crystal or lead-glazed pottery or porcelain may contain lead.
• Folk remedies, such as “greta” and “azarcon,” used to treat an upset stomach.
4 In 1978, the federal government banned toys, other children’s products, and furniture with lead-containing paint. In 2008, the federal government banned lead in most children’s products. The federal government currently bans lead in excess of 100 ppm by weight in most children’s products.
14 Health Efects of Lead
Lead afects the body in many ways. It is important to know that even exposure to low levels of lead can severely harm children.

In children, exposure to lead can cause: Brain Nerve Damage Hearing
• Nervous system and kidney damage
• Learning disabilities, attention-defcit
disorder, and decreased intelligence
• Speech, language, and behavior
problems
• Poor muscle coordination
• Decreased muscle and bone growth
• Hearing damage
While low-lead exposure is most common,
exposure to high amounts of lead can have
devastating efects on children, including
seizures, unconsciousness, and in some cases, death.

Although children are especially susceptible to lead exposure, lead can be dangerous for adults, too.

In adults, exposure to lead can cause:
• Harm to a developing fetus
• Increased chance of high blood pressure during pregnancy • Fertility problems (in men and women)
• High blood pressure
• Digestive problems
• Nerve disorders
• Memory and concentration problems
• Muscle and joint pain
Problems
Slowed
Growth
Digestive
Problems
Reproductive
Problems
(Adults)
3 Check Your Family for Lead
Get your children and home tested if you think your home has lead.

Children’s blood lead levels tend to increase rapidly from 6 to 12 months of age, and tend to peak at 18 to 24 months of age.

Consult your doctor for advice on testing your children. A simple blood test can detect lead. Blood lead tests are usually recommended for:
• Children at ages 1 and 2
• Children or other family members who have been exposed to high levels of lead
• Children who should be tested under your state or local health screening plan
Your doctor can explain what the test results mean and if more testing will be needed.

Other Sources of Lead
Lead in Drinking Water
The most common sources of lead in drinking water are lead pipes, faucets, and fxtures.

Lead pipes are more likely to be found in older cities and homes built before 1986.

You can’t smell or taste lead in drinking water.

To fnd out for certain if you have lead in drinking water, have your water tested.

Remember older homes with a private well can also have plumbing materials that contain lead.

Important Steps You Can Take to Reduce Lead in Drinking Water • Use only cold water for drinking, cooking and making baby formula.

Remember, boiling water does not remove lead from water. • Before drinking, fush your home’s pipes by running the tap, taking a shower, doing laundry, or doing a load of dishes.
• Regularly clean your faucet’s screen (also known as an aerator). • If you use a flter certifed to remove lead, don’t forget to read the directions to learn when to change the cartridge. Using a flter after it has expired can make it less efective at removing lead.

Contact your water company to determine if the pipe that connects your home to the water main (called a service line) is made from lead.

Your area’s water company can also provide information about the lead levels in your system’s drinking water.

For more information about lead in drinking water, please contact EPA’s Safe Drinking Water Hotline at 1-800-426-4791. If you have other questions about lead poisoning prevention, call 1-800 424-LEAD.* Call your local health department or water company to fnd out about testing your water, or visit epa.gov/safewater for EPA’s lead in drinking water information. Some states or utilities ofer programs to pay for water testing for residents. Contact your state or local water company to learn more.
* Hearing- or speech-challenged individuals may access this number through TTY 4 by calling the Federal Relay Service at 1-800-877-8339. 13

Renovating, Repairing or Painting a Home
with Lead-Based Paint
If you hire a contractor to conduct renovation, repair, or painting (RRP) projects in your pre-1978 home or childcare facility (such as pre-school and kindergarten), your contractor must:
• Be a Lead-Safe Certifed frm approved by EPA or an
EPA-authorized state program
• Use qualifed trained individuals (Lead-Safe
Certifed renovators) who follow specifc lead-safe
work practices to prevent lead contamination
• Provide a copy of EPA’s lead hazard information
document, The Lead-Safe Certifed Guide to
Renovate Right
RRP contractors working in pre-1978 homes and childcare facilities must follow lead-safe work practices that:
• Contain the work area. The area must be contained so that dust and debris do not escape from the work area. Warning signs must be put up, and plastic or other impermeable material and tape must be used. • Avoid renovation methods that generate large amounts of lead-contaminated dust. Some methods generate so much leadcontaminated dust that their use is prohibited. They are:
• Open-fame burning or torching
• Sanding, grinding, planing, needle gunning, or blasting with power tools and equipment not equipped with a shroud and HEPA vacuum attachment
• Using a heat gun at temperatures greater than 1100°F
• Clean up thoroughly. The work area should be cleaned up daily.

When all the work is done, the area must be cleaned up using special cleaning methods.
• Dispose of waste properly. Collect and seal waste in a heavy duty bag or sheeting. When transported, ensure that waste is contained to prevent release of dust and debris.

To learn more about EPA’s requirements for RRP projects, visit epa.gov/getleadsafe, or read The Lead-Safe Certifed Guide to Renovate Right.

Where Lead-Based Paint Is Found
In general, the older your home or childcare facility, the more likely it has lead-based paint.1
Many homes, including private, federally-assisted, federallyowned housing, and childcare facilities built before 1978 have lead-based paint. In 1978, the federal government banned consumer uses of lead-containing paint.2
Learn how to determine if paint is lead-based paint on page 7.

Lead can be found:
• In homes and childcare facilities in the city, country, or suburbs, • In private and public single-family homes and apartments, • On surfaces inside and outside of the house, and
• In soil around a home. (Soil can pick up lead from exterior paint or other sources, such as past use of leaded gas in cars.) Learn more about where lead is found at epa.gov/lead.
1 “Lead-based paint” is currently defned by the federal government as paint with lead levels greater than or equal to 1.0 milligram per square centimeter (mg/cm2 ), or
more than 0.5% by weight.
2 “Lead-containing paint” is currently defned by the federal government as lead in new dried paint in excess of 90 parts per million (ppm) by weight. 12 5

Identifying Lead-Based Paint and Lead-Based Paint
Hazards
Deteriorated lead-based paint (peeling, chipping, chalking, cracking, or damaged paint) is a hazard and needs immediate attention. Lead-based paint may also be a hazard when found on surfaces that children can chew or that get a lot of wear and tear, such as:
• On windows and window sills
• Doors and door frames
• Stairs, railings, banisters, and porches
Lead-based paint is usually not a hazard if it is in good condition and if it is not on an impact or friction surface like a window.

Lead dust can form when lead-based paint is scraped, sanded, or heated. Lead dust also forms when painted surfaces containing lead bump or rub together. Lead paint chips and dust can get on surfaces and objects that people touch. Settled lead dust can reenter the air when the home is vacuumed or swept, or when people walk through it. EPA currently defnes the following levels of lead in dust as hazardous:
• 10 micrograms per square foot (μg/ft2
) and higher for foors,
including carpeted foors
• 100 μg/ft2 and higher for interior window sills
Lead in soil can be a hazard when children play in bare soil or when people bring soil into the house on their shoes. EPA currently defnes the following levels of lead in soil as hazardous:
• 400 parts per million (ppm) and higher in play areas of bare soil • 1,200 ppm (average) and higher in bare soil in the remainder of the yard
Remember, lead from paint chips—which you can see—and lead dust—which you may not be able to see—both can be hazards.

The only way to fnd out if paint, dust, or soil lead hazards exist is to test for them. The next page describes how to do this.

Reducing Lead Hazards, continued
If your home has had lead abatement work done or if the housing is receiving federal assistance, once the work is completed, dust cleanup activities must be conducted until clearance testing indicates that lead dust levels are below the following levels:
• 10 micrograms per square foot (μg/ft2
) for foors, including carpeted
foors
• 100 μg/ft2 for interior windows sills
• 400 μg/ft2
for window troughs
Abatements are designed to permanently eliminate lead-based paint hazards. However, lead dust can be reintroduced into an abated area.
• Use a HEPA vacuum on all furniture and other items returned to the area, to reduce the potential for reintroducing lead dust. • Regularly clean foors, window sills, troughs, and other hard surfaces with a damp cloth or sponge and a general all-purpose cleaner.

Please see page 9 for more information on steps you can take to protect your home after the abatement. For help in locating certifed lead abatement professionals in your area, call your state or local agency (see pages 15 and 16), epa.gov/lead, or call 1-800-424-LEAD. 6 11

Reducing Lead Hazards
Disturbing lead-based paint or
removing lead improperly can
increase the hazard to your family by
spreading even more lead dust around
the house.
• In addition to day-to-day cleaning
and good nutrition, you can
temporarily reduce lead-based paint
hazards by taking actions, such as
repairing damaged painted surfaces
and planting grass to cover leadcontaminated soil. These actions are not permanent solutions and will need
ongoing attention.
• You can minimize exposure to lead
when renovating, repairing, or painting by hiring an EPA- or statecertifed renovator who is trained in the use of lead-safe work practices. If you are a do-it-yourselfer, learn how to use lead–safe work practices in your home.
• To remove lead hazards permanently, you should hire a certifed lead abatement contractor. Abatement (or permanent hazard elimination) methods include removing, sealing, or enclosing lead-based paint with special materials. Just painting over the hazard with regular paint is not permanent control.

Always use a certifed contractor who is trained to address lead hazards safely.
• Hire a Lead-Safe Certifed frm (see page 12) to perform renovation, repair, or painting (RRP) projects that disturb painted surfaces. • To correct lead hazards permanently, hire a certifed lead abatement contractor. This will ensure your contractor knows how to work safely and has the proper equipment to clean up thoroughly.

Certifed contractors will employ qualifed workers and follow strict safety rules as set by their state or by the federal government.

Checking Your Home for Lead
You can get your home tested for lead in several diferent ways:
• A lead-based paint inspection tells you if your home has leadbased paint and where it is located. It won’t tell you whether your home currently has lead hazards. A trained and certifed testing professional, called a lead-based paint
inspector, will conduct a paint inspection
using methods, such as:
• Portable x-ray fuorescence (XRF) machine
• Lab tests of paint samples
• A risk assessment tells you if your home
currently has any lead hazards from lead
in paint, dust, or soil. It also tells you what
actions to take to address any hazards. A
trained and certifed testing professional,
called a risk assessor, will:
• Sample paint that is deteriorated on doors, windows, foors, stairs, and walls
• Sample dust near painted surfaces and sample bare soil in the yard
• Get lab tests of paint, dust, and soil samples
• A combination inspection and risk assessment tells you if your home has any lead-based paint and if your home has any lead hazards, and where both are located.

Be sure to read the report provided to you after your inspection or risk assessment is completed, and ask questions about anything you do not understand.
10 7
Checking Your Home for Lead, continued
In preparing for renovation, repair, or painting work in a pre-1978 home, Lead-Safe Certifed renovators (see page 12) may:
• Take paint chip samples to determine if lead-based paint is present in the area planned for renovation and send them to an EPA-recognized lead lab for analysis. In housing receiving federal assistance, the person collecting these samples must be a certifed lead-based paint inspector or risk assessor
• Use EPA-recognized tests kits to determine if lead-based paint is absent (but not in housing receiving federal assistance) • Presume that lead-based paint is present and use lead-safe work practices
There are state and federal programs in place to ensure that testing is done safely, reliably, and efectively. Contact your state or local agency for more information, visit epa.gov/lead, or call 1-800-424-LEAD (5323) for a list of contacts in your area.3
3 Hearing- or speech-challenged individuals may access this number through TTY by calling the Federal Relay Service at 1-800-877-8339.
8 What You Can Do Now to Protect Your Family
If you suspect that your house has lead-based paint hazards, you can take some immediate steps to reduce your family’s risk:
• If you rent, notify your landlord of peeling or chipping paint. • Keep painted surfaces clean and free of dust. Clean foors, window frames, window sills, and other surfaces weekly. Use a mop or sponge with warm water and a general all-purpose cleaner. (Remember:
never mix ammonia and bleach products together because they can form a dangerous gas.)
• Carefully clean up paint chips immediately without creating dust. • Thoroughly rinse sponges and mop heads often during cleaning of dirty or dusty areas, and again afterward.
• Wash your hands and your children’s hands often, especially before they eat and before nap time and bed time.
• Keep play areas clean. Wash bottles, pacifers, toys, and stufed animals regularly.
• Keep children from chewing window sills or other painted surfaces, or eating soil.
• When renovating, repairing, or painting, hire only EPA- or stateapproved Lead-Safe Certifed renovation frms (see page 12). • Clean or remove shoes before entering your home to avoid tracking in lead from soil.
• Make sure children eat nutritious, low-fat meals high in iron, and calcium, such as spinach and dairy products. Children with good diets absorb less lead.
9 CONTRACTOR APPLICATION

HOUSING REHABILITATION APPROVED CONTRACTOR LIST
Business Name: ____________________________ Owner Name: ____________________________ Business Address: ___________________________________________________________________ Phone: ________________________ Email: _______________________________ Contractor’s License # _________________________ Classification(s): _________________________ Has your license ever been suspended?
□ Yes. If yes, provide the details on a separate page and attach to application. □ No
Officers Authorized to Execute Documents:
_____________________________________ __________________________________________ Name/Title Name/Title
Insurance
Provide the City of Point Arena with current certificates of Contractor’s General Liability Insurance and Worker’s Compensation (or Exemption) Certificates. Contractors must presently have (or can obtain) a $1,000,000 general liability policy with $2,000,000 aggregate coverage. All certificates shall name the City of Point Arena as additional insured and show coverage for the length of the time of contract.

Contractor Experience
List your 3 most recent clients (include present jobs, if applicable) ___________________________________ ____________________ _________________________________ Name Phone Job Address
___________________________________ ____________________ _________________________________ Name Phone Job Address
___________________________________ ____________________ _________________________________ Name Phone Job Address
I authorize the City of Point Arena to verify all information contained in this application and I certify that the information supplied is true and accurate. I understand that willful falsifications of information can be grounds for removal from the City of Point Arena approved contractors list.

Contractor Signature: _______________________________ Date: _________________________

Point Arena City CouncilAugust 26, 2025

Point Arena City Council
August 26, 2025