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Quarterly Report for Housing Division <br />December 1, 2020 <br />Page 2 <br />Table 1: Applications Sent Out, Received, and Approved <br />Program <br />Inquiries <br />Applications <br />Sent Out <br />Applications <br />Received <br />Applications <br />Approved <br />Q1 <br />Total FY <br />Q1 <br />Total FY <br />Q1 <br />Total FY <br />Q1 <br />Total FY <br />Single -Family Rehabilitation <br />27 <br />27 <br />27 <br />27 <br />0 <br />0 <br />0 <br />0 <br />Mobile Home Rehabilitation <br />15 <br />15 <br />15 <br />15 <br />0 <br />0 <br />0 <br />0 <br />Multi -Family Rehabilitation <br />0 <br />0 <br />0 <br />0 <br />0 <br />0 <br />0 <br />0 <br />Historic Home Restoration <br />0 <br />0 <br />0 <br />0 <br />0 <br />0 <br />0 <br />0 <br />Homeownership / DPAP <br />19 <br />19 <br />19 <br />19 <br />3 <br />3 <br />1 <br />1 <br />Subordinations <br />8 <br />8 <br />0 <br />0 <br />8 <br />8 <br />8 <br />8 <br />The number of applications received is typically lower than the number of applications sent out in <br />any given period due to the stringent program guidelines for eligibility regulated by the federal <br />government, which makes it difficult for most applicants to qualify. Due to the Coronavirus (COVID- <br />19), application processing for the Down Payment Assistance Program, Single -Family and Mobile <br />Home Rehabilitation Program were put on hold during the first quarter. There are currently nine <br />applications for the Single -Family Rehabilitation Program and four applications for the Mobile <br />Home Rehabilitation Program. <br />Homeowners who have second liens with the City of Santa Ana have been interested in refinancing <br />their first lien mortgage to take advantage of the low interest rates. When the first lien is refinanced, <br />it is necessary for the City to subordinate its second lien. During the first quarter, eight requests <br />for subordination were received, approved, and processed. <br />Rehabilitation Loan Underwriting and Approval Progress <br />During this quarter, one mobile home rehabilitation loan was funded. <br />Rehabilitation Program Construction Progress <br />Homeowners receiving rehabilitation loans are guided through an open selection of contractors to <br />complete the work on their homes. Each homeowner is given a list of contractors that have been <br />screened by staff for license and insurance requirements. However, homeowners are allowed to <br />select any contractor that meets these same requirements. Staff assists the homeowners with the <br />evaluation of bids and selection of a contractor. Staff also monitors the construction work, approves <br />payments to contractors, and tracks expenditures to ensure compliance with the loan agreement <br />and program guidelines. During this quarter, two mobile homes were under construction and no <br />rehabilitation of single-family homes or mobile homes were completed. <br />Down Payment Assistance Loan Program (DPAP) Progress <br />For the Down Payment Assistance Loan Program, staff evaluates applicant eligibility and oversees <br />underwriting to ensure compliance with program guidelines and requirements established by the <br />U.S. Department of Housing and Urban Development (HUD). During this quarter, staff conducted <br />three down payment assistance virtual workshops via Zoom with 58 attendees. One down payment <br />assistance loan closed escrow. Three down payment assistance applications were received and <br />one application was approved. One Habitat for Humanity purchase loan was also approved. <br />19 D-2 <br />