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Draft Exhibit A-11 <br /> City of New Brighton <br /> Home Improvement Loan Program <br /> INTRODUCTION <br /> The Center for Energy and Environment(CEE)proposes to deliver a comprehensive housing <br /> rehabilitation program to serve the property owners of the City of New Brighton. CEE will offer <br /> eligible building owners a convenient one-stop service that will provide a comprehensive array <br /> of financing. By coordinating the City's financing programs with existing CEE financing <br /> services, the City can leverage additional funds and provide a more comprehensive program <br /> while minimizing administrative costs. <br /> CEE emphasizes a one-stop-shopping experience for the borrower. CEE will provide borrowers <br /> access to a variety of financing programs with skilled guidance in making decisions and <br /> completing necessary forms. CEE's financing staff will be the only contact a resident needs to <br /> access the full array of financial services provided by the City, CEE, and other state and local <br /> agencies. This unified approach will reduce the confusion and frustration borrowers sometimes <br /> experience in dealing with financing programs. CEE staff will meet with individual residents <br /> and discuss their rehabilitation needs to determine which loan program or combination of <br /> financial services best fits their needs. Eligible borrowers will get straight answers, professional <br /> service and the financial assistance they need. <br /> At the City's request, CEE will assist with program marketing. Marketing activities will be <br /> carefully coordinated with the marketing efforts of the City to insure that the program is <br /> presented in a manner that gives the City visibility and best meets the program's goals. Upon <br /> request, customers will receive a visit from a trained CEE housing professional who will assist <br /> the resident in identifying and prioritizing rehabilitation opportunities. Customers will then work <br /> with a CEE loan officer who will offer the customer the financing package that best meets their <br /> unique needs. Borrowers will have a choice of measures to be implemented consistent with the <br /> requirements of the funding sources used and with the City's goals for the rehabilitation project. <br /> All rehabilitation work will comply with the code and permit requirements of the City of New <br /> Brighton. Upon completion, a City Inspector or a CEE staff member will inspect all work to <br /> insure that funds were used for their intended purposes. <br /> CEE will provide its existing loan programs for single family rehabilitation, multifamily <br /> rehabilitation, single family energy-related improvements, and rental energy improvements. <br /> Whenever appropriate, these loans will be packaged with the City's financing programs. <br /> Although combining these financing packages may be somewhat complex, CEE will take <br /> responsibility for all necessary administrative activities in order to maximize convenience to the <br /> customer as well as to the City. <br /> CEE will accept full responsibility for program implementation and will only be paid when loans <br /> are closed. CEE is fully committed to results-oriented performance-based contracting for its <br /> clients. <br /> CEE proposes to provide financial services to the City through an agreement with the City based <br /> on the program guidelines established by CEE and City staff(see Exhibit B-11 attached). CEE <br /> New Brighton Home Improvement Program Page A-1 <br /> Center for Energy and Environment <br />