HOUSING NEWS NETWORK · revenue source for both state and local affordable housing programs and...

Summer 1999 Housing News Network 1

INSIDE THIS ISSUE

From the Executive Director...........................................2

Energy Efficiency..............................................................8

12th Annual Affordable Housing Conference..........10

Mark to Market.............................................................12

SHIP Clips..........................................................................14

HOUSING NEWSNETWORKThe Journal of the Florida Housing Coalition, Inc.

Volume 14, Number 3 Summer 1999

Florida Focuses on Urban Revitalization;Keeps Its Position as National Leader for

Affordable Housing Funding

Continued on page 4

by Jaimie Rossand Mark Hendrickson

Affordable housinglegislation in 1999centers around the

theme of urban revitaliza-tion. The Legislaturepassed a package ofinitiatives that createregulatory and financialincentives for developingor redeveloping urbanareas, and appropriatedmore than $150 millionfor affordable housingprograms. Major initia-tives, which should workin concert are: (1) 1999Growth Policy Act; (2)the State Housing TaxCredit; (3) the Office ofUrban Opportunity (the

Front Porch Florida Initiative); (4) William E.Sadowski Act and, (5) other initiatives related toaffordable housing and community development.The following summary of the 1999 legislationhighlights only those portions of the legislationrelated to affordable housing, and in particularthose provisions that relate to urban revitalization.

Growth Policy Act*The 1999 Growth Policy Act is a series of changesto Chapter 163, Florida Statutes, designed to curburban sprawl and repair distressed urban centers.

Sections 163.2511, 163.2514, 163.2517,163.2520, 163.2523, 163.2526, Florida Statutes,are affected.

Local governments can designate one or more�urban infill and redevelopment areas.� Thestatute provides guidance on what comprises anurban infill and redevelopment area; it is an areawhere public services are basically available,where most of the area is or will be served bypublic transit, where there is pervasive poverty,unemployment, and general distress, and substan-dard overcrowded conditions. The local govern-ment will need to amend the future land use mapof its comprehensive plan to delineate the bound-aries of the urban infill and redevelopment area.This amendment is not subject to the twice peryear restriction on comprehensive plan amend-ments.

To receive designation as an urban infill area, thelocal government must prepare a plan using aholistic, collaborative process that involves thecommunity in a visioning process for the urban

2 Housing News Network Summer 1999

FLORIDA HOUSING COALITION

The Florida Housing Coalition is a nonprofit,statewide membership organization whose mission isto act as a catalyst to bring together housingadvocates and resources so that all Floridians have asafe and affordable home and suitable livingenvironment.

The Housing News Network is published by the Florida HousingCoalition as a service to its members and for housing professionals andothers interested in affordable housing issues. Address questions orcomments to: Almira Lacson, Communications Coordinator, FloridaHousing Coalition, Inc., 1367 E. Lafayette St., Tallahassee, FL, 32301Phone (850) 878-4219, Fax (850) 942-6312E-mail: [email protected] Web site: http://www.nettally.com/fhc

FROM THE EXECUTIVE DIRECTOR

BOARD OF DIRECTORS

Mary Sorge - CHAIRPERSONBank of America, Jacksonville

Mark Hendrickson - VICE CHAIRPERSONThe Hendrickson Company, Tallahassee

Gregg Schwartz - TREASURERTampa Bay Community Development Corp., Clearwater

Melvin Philpot - SECRETARYFlorida Power Corporation, Lake Mary

Dan Horvath - PAST CHAIRPERSONCommunity Equity Investments, Inc., Pensacola

Jaimie Ross - COUNSEL1000 Friends of Florida, Tallahassee

Jeff BagwellKeystone Challenge Corporation, LakelandNelson BlackFirst Union National Bank, JacksonvilleHowie CarrollBank of America, TampaGus DominguezGreater Miami Neighborhoods, Inc., MiamiJames DyalFirst Housing Development Corporation, TampaCarolyn FordNorth Florida Education Development Corp., GretnaRob IppolitoCypress Housing, Inc., TallahasseeJeffrey KissKiss & Company, Inc., Winter ParkJerry KoloDept. of Urban & Regional Planning, FAU, Fort LauderdaleGreg MihalicCollier County Housing & Urban Improvement Dept., NaplesKristen PackardVestcor Equities, Inc., JacksonvilleTei SimmermanFlorida Solar Energy Center, CocoaArchie WestCity of Tampa Real Estate Division, Tampa

STAFF

Tracy Suber, Executive DirectorMichael Chaney, Technical Assistance SpecialistMary Ellis, Finance ManagerDoreen Flummer, Administrative AssistantStan Fitterman, Technical Assistance SpecialistMelanie Greene, Technical Assistance SpecialistWight Greger, Technical Assistance SpecialistAlmira Lacson, Communications CoordinatorGladys Cook Schneider, Technical Assistance Specialist

We�ve all experienced it:the blank page on thecomputer screen. Facedwith its intimidating whiteglare, I found myself withso much to say, it wasdifficult to decide whatgood news to share andwhat would have to beleft out. Yet, we�ve allalso experienced the thrill

of the results from those difficult starts.

The Coalition�s technical assistance team recentlystared down a few blank screens, transformingthem into this issue�s useful articles on a variety oftopics, the design of our 12th annual affordablehousing conference, and new Catalyst workshops.Our work to enhance your continued professionaldevelopment and bring together resources to createmore affordable housing is both rewarding andexciting.

In This Issue of HNNIn their lead article, Jaimie Ross, Coalition Counsel,and Mark Hendrickson, Coalition Vice Chairper-son, describe the results of the 1999 legislativesession as these new laws and legislative fundingwill affect affordable housing and communitydevelopment. The two substantive bills and theappropriations bill that they analyzed for the articleare monumental in scope, reaching well beyondhousing to create many potentially useful programsand funding sources for economic and communitydevelopment. The Coalition will bring you moreinformation about the implementation of the state�saffordable housing programs and the details aboutnew economic development programs at ourconference this fall.

12th Annual ConferenceSpeaking of the conference, the Coalition�s confer-ence committee, led by committee chairperson JimDyal, has been hard at work planning our annualaffordable housing conference: From the FrontPorch to Main Street. This year, we are tryingsomething new: a shorter format and a combinationof broad, awareness-raising workshops; practical,


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We�re interested in your feedback!We use your suggestions in many ways:designing the annual conference, creating

training workshops, and developing the journaland web page. Send your ideas to:

[email protected]

[email protected]

in-depth training in three tracks: increasing homeownership, developing multifamily rental housing,and creating housing for people with special needs;and shorter, special-topic seminars.

In addition to the training, we�ve built in thenetworking time you�ve told us is so valuable andwe are bringing back the popular updates from theGovernor�s Office, the Department of CommunityAffairs, and the Florida Housing Finance Corpora-tion. We�re also putting a new twist on the popu-lar success stories segment this year. Join us onNovember 8 and 9 in Sarasota to find out what itis. Pages 10 & 11 have more information aboutthe conference and the registration details will besent to you by mail in the next few weeks.

Catalyst WorkshopsWith the ink on the Catalyst workshop evaluationforms barely dry, the Coalition�s Technical Assis-tance Specialists and DCA�s Catalyst programmanager began work on the new series of trainingworkshops for Florida�s affordable housing pro-grams. The 1999-2000 Affordable Housing Cata-lyst Program workshop series includes trainingsessions that will help you with overall programimplementation, prepare you to develop housingprograms to better serve low income households,and give you insight into the fundamentals ofhousing development. We are very enthusiasticabout the approach the Department of CommunityAffairs wanted to take with this year�s workshops.As always, the workshops will help those new toaffordable housing development understand pro-gram requirements; however, several new work-shops are designed for those of you who are readyto explore topics in greater detail. The workshopsbegin in late September. The workshop catalogand registration form will also arrive in yourmailbox soon.

Your Feedback is Put to UseTwo key ingredients go into the Coalition�s abilityto transform blank computer screens into informa-tion you can use every day and into trainingprograms that you can use for continued profes-sional development. The first is the feedback yougive us through your calls, letters, and conference

and workshop evaluations. When you let us knowabout your needs for information, training, andtechnical assistance and how we are doing inmeeting those needs, we can assure that we aredelivering top-quality training. I encourage you tocontinue to let us know how we are doing.

The second ingredient is the expertise and dedica-tion of the Coalition�s Technical Assistance Team.This team of professionals includes the Coalition�sBoard of Directors and technical assistance special-ists. Through our close work with other state andnational organizations and by monitoring theimplementation of Florida�s and the nation�s hous-ing policies, not only do we maintain workingknowledge of the programs and the philosophieson which they are based, but we also help toshape how the policies and plans for their imple-mentation are developed. We also practice whatwe preach by investing in our own professionaldevelopment so that we can bring you effectivetraining and technical assistance on the leadingaffordable housing topics.

Going Toward the GoalTyping that first word on the blank computerscreen requires knowing where you want to goand what you want to say about it. Or, asStephen Covey more authoritatively says in hisoften-quoted Seven Habits of Highly EffectivePeople, �begin with the end in mind.�

Each day, the members, directors, and staff of theFlorida Housing Coalition begin with this end inmind: all Floridians should have access to a de-cent, safe, affordable home and suitable livingenvironment. Working together, we�ll get there.


Continued from page 1Housing Legislation

areas that include a Florida Main Street program,Front Porch Florida Community, sustainable com-munity, state enterprise zone, federal enterprisezone or enterprise community, or neighborhoodimprovement district.

State Housing Tax Credit*To meet the financial needs of those undertakingurban revitalization efforts, and to encourage theparticipation of private corporations in the effort,the 1999 Legislature created the state housing taxcredit. The state housing tax credit grants a statecorporate income tax credit to qualified low-income housing projects including housing specifi-cally designed for the elderly and associated mixed-use or commercial projects.

The state housing tax credit is similar to the federallow income housing tax credit, except that it istargeted exclusively to urban infill areas and focuseson mixed income and mixed use development, andis a five-year credit (as opposed to 10 years).Florida Housing Finance Corporation is chargedwith administering the program. The State HousingTax Credit Program is created in Section 420.5093,Florida Statutes, with a $2.5 million-appropriation.

Office of Urban Opportunity** (the FrontPorch Florida Initiative) The Office of Urban Opportunity is created inSection 14.2015(9)(a), Florida Statutes. This Officeis created within the Governor�s Office of Tourism,Trade, and Economic Development. �The purposeof the Office of Urban Opportunity is to administerthe Front Porch Florida Initiative, a comprehen-sive, community-based urban core redevelopmentprogram that will empower urban core residents tocraft solutions to the unique challenges of eachdesignated community.� No further detail is givenregarding Front Porch Florida except that the Officeof Urban Opportunity is directed to work withEnterprise Florida to develop a strategic plan foreconomic development for the state.

core. In lieu of preparing a new plan, the localgovernment may demonstrate that an existing planor combination of plans meets all the requirementsof the Growth Policy Act. The urban infill andredevelopment plan must be adopted by ordinance.

Upon designation, these areas are entitled to localgovernment regulatory relief, which may includesuch items as: waiver of delinquent taxes or fees topromote the return of property to productive use;prioritization of infrastructure spending within theurban infill and redevelopment area; and localgovernment absorption of developers� concurrencyrequirements, as well as financial incentives forlocal governments, including the ability to exercisepowers of a community redevelopment neighbor-hood improvement district, such as the power tolevy special assessments, to issue revenue bonds,and to use tax increment financing.

State agencies, such as the Department of Commu-nity Affairs, and the Florida Housing FinanceCorporation, are expected to give priority in fund-ing whether grants or loans in urban infill andredevelopment areas and these areas will be givenpriority in the allocation of private activity bondsfrom the state pool prior to July 1 of each year.

The Growth Policy Act also establishes a grantprogram for local governments. Thirty percent ofthe general revenue appropriated will go for plan-ning grants for the local government to use in thedevelopment of its urban infill and redevelopmentplan. Sixty percent of the appropriation will beavailable for fifty/fifty matching grants for imple-menting urban infill and redevelopment projects.The remaining 10 percent of the monies go foroutright grants to implement projects requiring anexpenditure of less than $50,000. The Departmentof Community Affairs will administer the grantprogram and will promulgate rules establishinggrant review criteria. Some of the criteria are setforth in the statute, such as a preference for projectsthat provide employment opportunities forWAGES clients, and for projects in urban infill


Office of Urban OpportunityFront Porch Florida Initiative

A cornerstone of guberna-torial candidate Jeb Bush�splatform in his successfulbid for governor was AComprehensive Policy forImproving the Quality ofLife in Florida�s UrbanCores �One Neighborhoodat a Time,� also known asthe Front Porch FloridaInitiative.

On May 1, 1999, PatrickHadley assumed the appointment as Governor�s Liaisonfor Community Development. He is also the Director ofthe newly established Office of Urban Opportunity, Officeof Tourism, Trade and Economic Development.

In this role, Mr Hadley will oversee the implementationof Gov. Jeb Bush�s desire of improving the quality of lifeand revitalizing urban areas through the Front PorchFlorida Initiative.

The goal of Front Porch Florida is to advance an urbanpolicy that will release the power of local communitiesin Florida�s urban cores to rebuild their neighborhoodsthrough a redevelopment process that is neighborhoodasset-based, community focused, and relationshipdriven. Front Porch Florida will employ a comprehen-sive approach, empowering urban core residents todefine and craft solutions to their problems, whilebringing to the table those who influence education,economic and environmental circumstances. Theinitiative has a specific goal of establishing three FrontPorch communities this year, and 20 communities bythe year 2002.

Patrick Hadley brings to the office his experience asExecutive Director of the MAD DADS of Greater Ocala,Inc. Chapter, and National Vice President of MAD DADSbased in Omaha, Nebraska. He oversaw the develop-ment, coordination, planning, direction and implemen-tation of nine active programs and 41 chapters of MADDADS throughout the State of Florida.

There is a $4,752,000 appropriation to Office ofUrban Opportunities for Front Porch Florida, ofwhich Inner City Redevelopment Grant Programgets $2,390,000. In addition, the Office of UrbanOpportunity will work with other agencies inadministering programs targeted for Front PorchFlorida Communities. Two examples follow:

• In a separate bill,* the Urban HomesteadingAct is created (see section 420.630 et.seq.,Florida Statutes). The Urban HomesteadingProgram is intended to be another componentof Front Porch Florida. It is a program for localgovernments or their designees (which could bepublic housing authorities or community non-profit organizations appointed to administer theprogram) to deed single family residences toqualified buyers for one dollar ($1.00). Quali-fied buyers must: live in the property for at leastfive years; have incomes below the state me-dian; meet certain employment requirements;show that they are free from drug-related felonyconvictions for the three previous years; showthat their children, if any, are attending school;and meet the terms of locally designed home-steading agreements and any financial require-ments in those agreements.

If there is a bonded indebtedness on the prop-erty, the prospective owner may have to paythe pro rata share of the bonded debt. Inthat event, the Department of CommunityAffairs in consultation with the office of UrbanOpportunity, will provide loans to the qualifiedbuyers. Urban Homesteading has a $400,000general revenue appropriation.

• The 1999 Appropriations Bill also provided$600,000 to Keep Florida Beautiful, Inc. (anexisting entity) to assist the Front Porch Initia-tive in the clean up of urban areas.

Continued on page 6


William E. Sadowski Affordable Housing ActOf course, Florida�s most important affordablehousing initiative remains the William E. SadowskiAffordable Housing Act of 1992, which was fundedby the 1999 Legislature in the amount of $148.9million. The Sadowski Act provides a dedicatedrevenue source for both state and local affordablehousing programs and remains the national modelfor state funding. Following the end of the session acurrent fiscal year (FY98-99) budget amendment

Program Total Funding Funding Source

Florida Housing Finance CorporationState HousingTax Credit $ 2,500,000 General Revenue

to $ 2,900,000a

HOME InvestmentPartnerships $20,461,000 Federal HOME

Department of Community Affairs

UrbanHomesteading $ 300,000 General Revenue

Affordable HousingStudy Commission $ 60,161 Building Permit

Surcharge

Governor�s Office

Front PorchFlorida $4,752,000 General Revenue

Department of Children and Families

Project specificAppropriation $ 500,000 Tobacco Settle-

ment TF

DEP

Front Porch Florida(urban litterprogram) $ 600,000 Solid Waste

Management TF

Other InitiativesOther important housing legislation which willsupport the urban initiative as well as ruralhousing efforts are:

• Ad valorem tax exemption for nonprofit pro-viders of affordable housing.Section 196.1978, Florida Statutes, was

a Neither the appropriation act nor the budget backup has abreakout between these programs.

Other FY 99-00 Housing and Urban InfillAppropriations

a The State Housing Tax Credit received funding in both theappropriations act ($400,000) and in the legislation thatcreated the program ($2.5 million). It is unclear as towhether the appropriations are cumulative.

Continued from page 5Housing Legislation

Program Total Funding Funding from Sadowski

Florida Housing Finance Corporation

SHIP $103,500,000 $103,500,000SHIP Monitoring $ 200,000 $ 200,000

SAIL $ 40,085,000a $ 40,085,000HAPPLPHOME MatchGuarantee Fund

ProgramAdministration N/A $ 1,501,276

Department of Community Affairs

Low-IncomeEmergency HomeRepair $ 2,000,000 $ 2,000,000

Catalyst Training $ 672,799 $ 672,799OPS Training [$ 329,999]Admin (OPS) [$ 45,001]Admin (FTE�s) [$ 297,799]

General(Non-Catalyst)Administration N/A $ 75,128

Department of Children and Families

Homeless EmergencyShelter Grants $ 5,086,824 $ 900,000

FY 1999-00 Appropriations for SadowskiHousing Programs


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created to clearly establish an ad valoremtax exemption for property fully owned bya 501(c)(3) organization, and which isfunded by any state housing programauthorized under Chapter 420, FloridaStatutes, to provide housing for low- orvery low-income persons. This was donein response to a court case that called intoquestion whether affordable housing metthe test as a charitable activity.

• The FAMU Institute on Urban Policy,which was created by the 1998 Legislaturewas funded to create nine regional urbancenters to be located in the inner cities ofSt. Petersburg, Tampa, Jacksonville,Orlando, West Palm Beach, Fort Lauder-dale, Miami, Daytona Beach andPensacola (see sidebar).

• The State Apartment Incentive Loan (SAIL)program was amended to allow the FloridaHousing Finance Corporation to fund aproject up to the cost of developmenteven if the property does not appraise forthe loan amount. This change addressesthe problem of developing in urban infillareas and in rural areas, where the costsof development often exceed appraisedvalue.

* See CS/CS/HB 17, Third Engrossed**See CS for CS for SB 1566, 2nd Engrossed

Editor�s Note:Since the time this article was prepared, GovernorJeb Bush has signed these bills into law. With thegovernor�s signature on June 8, the 249-page SB 1566became Chapter 99-251, Laws of Florida; the Acttook effect on July 1, 1999. The Governor signed HB17 on June 18, now known as Chapter 99-378, Lawsof Florida. With the exception of one section thatbecame effective upon the governor�s signature, the82-page bill took effect on July 1, 1999. Links to thetext of both bills may be found on the Coalition�sweb site at www.nettally.com/fhc.

Institute of Urban Policy and Commerce atFlorida A&M University (FAMU): A New

Resource for Community Development

The Institute of Urban Policy and Commerce at Florida A&MUniversity is a small organization with a large mission.Because of its focus on community development andhousing issues, the Florida Housing Coalition is exploringopportunities for a partnership with the Institute in thecoming years. While the Institute is in its early stages offormation, the legislature has established an ambitiousvision for the Insitutute to develop comprehensive urbanstrategies and partnerships to address critical economic, andphysical issues through applied research and training. Thisvision includes:• Conducting research in order to shape Florida policy

and as a basis for sharing information;• Building capacity within urban communities to foster

and sustain economic and social vitality that is based inthe community and to be a liaison for economicdevelopment; and

• Training a new generation of civic leaders and univer-sity students interested in approaches to communitydevelopment.

The Institute will ultimately operate nine urban centers, asdesignated in the statute (see left). Currently, the Instituteoperates two programs:

The Self-Employment Training Institute. This programtargets eligible participants who have the talent and motiva-tion to become self-employed. Potential candidates areenrolled in 6- to 8-week programs covering topics such asrecruitment and assessment, business skills development,business plan development, capital search and identifica-tion, and ongoing advisory and mentoring services.

Revitalizing Urban Neighborhoods (RUN). This program isa holistic and comprehensive planning process which willresult in a neighborhood strategic plan. Demonstrationneighborhoods include Bartlett Park and Melrose Mercyneighborhoods.

The Institute, in partnership with DCA, presented a CDCConference on July 22-24 at the Radisson Riverwalk Hotel inTampa.. Presenters from the Coalition included Board ofDirectors Chairperson Mary Sorge (Bank of America), andPast Chairperson Dan Horvath (Community Equity Invest-ments, Inc.) The Coalition took part in the NetworkingReception.held on the 24th.

For more information, contact Patricia Walker-McGill at(850)

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THE COOPERATIVE EXTENSION SERVICE NETWORK:A New (and Old) Power Partnership

by Michael ChaneyTechnical Assistance Specialist

Florida�s CooperativeExtension ServiceOffices are potential

housing partners that canenhance your affordablehousing programs. Oneof the newest and mosthelpful resources avail-

able from the Extension Service is training onenergy efficiency. This Fall, the Extension Servicewill offer training to help affordable housing provid-ers enhance the long-term affordability of thehousing they produce by increasing attention onenergy efficient construction practices. The successof extension offices in helping low-income homeowners and home buyers is also demonstrated inseveral communities.

Each county has an exten-sion office staffed with oneor more full-time profession-als. But what services dothey provide? The Coopera-tive Extension ServicesOffices were established inthe early 1900s to offera variety of educationalservices to families, farmers and youth groupsthroughout Florida. Each extension service officereceives a combination of funding from the U.S.Department of Agriculture, the State of Florida,and the county where it is located. From theirinception, these offices were intended to be theeducational arm for each board of county commis-sioners. Extension service professionals identifyand address the needs of citizens in their county,including agricultural technical assistance, activitiesfor youth, and home maintenance education,among other topics. This offers an opportunity forhousing administrators to include in partnershipsextension service professionals to help them focuson affordable housing needs.

ENERGY EFFICIENCY TRAINING

Information on energy efficiency is an importantresource that the extension offices offer to housingadministrators, home owners, and home buyers.Addressing the energy efficiency of housing is animportant means of ensuring that monthly housingcosts are affordable. It is important to includeenergy efficiency features in newly constructedhousing and to add energy improvements to the listof repairs when rehabilitating houses. In addition,homeowners and homebuyers need education toencourage them to adopt behaviors that will resultin lower, more affordable utility bills.

The Florida Energy Extension Service (FEES), locatedat the University of Florida, is the offshoot of theExtension Service network that directly addressesthese important education issues. FEES works to

foster partnerships amonghousing providers, builders,real estate professionals,mortgage lenders and homebuyers to build, market, andpurchase energy-efficienthomes.

In September, the Energy Exten-sion Service will offer one-daytrainings on energy efficiency-

related housing practices. Developed under acontract with the Department of CommunityAffairs, the workshops are specifically designedfor Community Development Corporations andother affordable housing providers. Builders whoare working directly with affordable housingproviders are strongly encouraged to join theirnonprofit partners at the training. The workshopswill mainly address energy-efficient practices fornew construction. However, some attention willalso be placed on rehabilitation work. Specifically,siting and passive design features, energy and waterconservation, lighting, and �green� marketing willbe addressed. See the sidebar for training dates,locations and registration information.

This Fall, the Extension Servicewill offer training to help afford-able housing providers enhancethe long-term affordability of thehousing they produce by in-creasing attention on energyefficient construction practices.


Because the classes are interactive, class size islimited to 25. Continuing education credits areavailable for building officials, contractors(excluding electrical contractors) and architects.A nominal registration fee will be charged.Contact Kathleen Ruppert at [email protected] orfax number (352) 392-4092 for a registration form.Include your name and mailing address and the siteof the workshop you are interested in attending.

Other Energy Efficiency Education

FEES staff members have developed other trainingson energy efficiency. The Energy Extension Servicehas a two-and-a-half hour homebuyer courseen-titled Buy Green & Save, which includes aclipboard and booklet titled The Florida HomeBuyer�s Guide to Energy and Water Savings.This material can be incorporated into the homebuyer counseling program provided by any countyextension office. In addition, Build Green & Profitis an education program that is useful to builders,con-tractors and developers working with afford-able housing. The 14-hour program includes sixmodules that focus on energy and water conserva-tion, indoor environmental quality, materialsselection, site selection, construction operations,and marketing �green� building features. As withthe September trainings, continuing educationcredits are available for this workshop.

Although these energy-related curricula have beendeveloped by a core group of Energy Extension staffat the University of Florida, the staff providesin-service �train the trainers� seminars availableto extension service professionals in every county.Contact your local extension office to learn howto include this valuable energy efficiency informa-tion into your local initiatives involving newconstruction or home buyers.

Contact Your County Office

Learn more about the services available in yourcounty. The phone number of your Cooperative

Extension Service office is in the governmentsection of your phone book. As an alternative,contact Marie Hammer, Home Environment Spe-cialist with the University of Florida or FAX # (352)392-8196.

Energy-Efficient AffordableHousing ConstructionWorkshops Schedule

n September 1 (Alachua County)University of Florida - GainesvilleCosponsored by Dept. of Community Affairsand Florida Power Corporation

n September 14 (Orange County)Orange County Extension Office - OrlandoCosponsored by Dept. of Community Affairsand Florida Power Corporation

n September 15 (Pinellas County)Pinellas County Extension Office - LargoCosponsored by Dept. of Community Affairsand Florida Power Corporation

n September 21 (Dade County)Florida International University - MiamiCosponsored by Dept. of Community Affairsand Florida Power and Light

A nominal registration fee will be charged. Con-tact Kathleen Ruppert at [email protected] orfax number (352) 392-4092 for a registrationform. Include your name and mailing addressand the site of the workshop you are interestedin attending.

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For more energy affordability news, see relatedarticle: �Low Income Customers Will BenefitFrom New Utility Programs� on page 14.


Florida Housing Coalition12th Annual Statewide Affordable Housing Conference

�From the Front Porch to Main Street�Hyatt Sarasota Hotel - November 8 & 9, 1999

Agenda at a GlanceMonday, November 8

8:00 Registration and Continental Breakfast

9:00 Opening Plenary SessionWelcome AddressState of the State Addresses:• Governor�s Office of Urban Opportunity

(Front Porch Florida)• Department of Community Affairs• Florida Housing Finance CorporationSuccess Stories

Noon Lunch and Annual Membership Meeting

1:30 Concurrent Workshops I (see topic list)

3:00 Networking Break

3:30 Concurrent Workshops II (see topic list)

6:00 Networking Reception

Tuesday, November 9

8:00 Registration and Continental Breakfast

8:30 Workshop Sessions -Choose from 3 Courses (see list)

1:00 Lunch and Keynote Address

2:30 Special TopicsSeminars

4:00 Conference Closes

Department of Community Affairs Secretary Steven Seibert

The Coalition�s 12th Annual Statewide Affordable HousingConference promises to be its best ever. Department ofCommunity Affairs Secretary, Steven Seibert, is alreadyplanning his address on Governor Bush�s administration�sinitiatives in housing and community development. Wewill also bring you the latest from the Florida HousingFinance Corporation and Governor�s Front Porch Initiativefrom the Office of Tourism, Trade and Economic Develop-ment.

This year�s conference features tracks for single familyand multifamily development, with roundtable settingsthat lend themselves to getting your questions asked andanswered. Whether you need an introduction to housingdevelopment, or are an advanced practitioner withspecific questions, this year�s conference has much tooffer you.

The conference also features workshop sessions, specialtopics seminars, and, one of the most popular features ofour conference, Success Stories - stories of lessonslearned from great successes - and not-so-greatsuccessess - to understand both the possibilities and theperseverance required when developing housing.

Join us at our 12th Annual Statewide Affordable Housing Conference.It�s worth your while!


Florida Housing Coalition12th Annual Statewide Affordable Housing Conference

�From the Front Porch to Main Street�Hyatt Sarasota Hotel - November 8 & 9, 1999

Wednesday, Nov. 10th- Special Training for LendersThis special session for lenders is an add-on to the conference for lenders who want to learn moreabout Florida�s affordable housing programs and policies and how they can create partnerships.

Preliminary Workshop Topics• Urban Revitalization and Economic Development• Community Building Approaches:

Getting to the Real Problems• Legislative Update - Report from 1999 Session• Housing Preservation - Mark to Market/Hope VI• Affordable Housing; Tools for Advocacy• Mixed Income Affordable Housing Developments

Choose from 3 Courses:• Course 1

Increasing Homeownership• Course 2

Developing Multifamily Rental Housing• Course 3

Creating Housing for Special Needs

These courses will be presented in a round-table format,with plenty of time for one-on-one interaction with thepresenters. For beginners and seasoned professionals,these workshops will provide an opportunity to receiveguidance on current projects, or on concepts that you maybe interested in developing into actual successes.

Preliminary Seminar Topics• Elderly Housing• Farmworker Housing• Community Reinvestment Lending• Fair Housing• Predatory Lending Practices• Homebuyer Counseling and Training• Grassroots Organizing

Hotel InformationHyatt Sarasota on Sarasota Bay

1000 Boulevard of the ArtsSarasota, Florida 34236-4898

Room rates for the conference are $85.00for single/double rooms. The hotel is locatedon Sarasota Bay and guest rooms feature awater view. To reserve a room, contact theSarasota Hyatt at (800) 233-1234, or (941)953-1234 by Monday, October 18, andidentify yourself as a Florida Housing Coali-tion conference participant to receive ourspecial rate. Special conference room ratesare also available to conference partici-pants 3 days prior to the conference.

Annual Meeting Notice


MARK TO MARKET

“This” is the coming avalanche of expiringSection 8 contracts currently held by privateowners of multi-family properties and the poten-tial for their loss - creating an even wider gapin the stock of affordable housing and thosewho need it.

Expiring Section 8 Properties: Can Florida Afford to Lose Any?

by Melanie GreeneTechnical Assistance Specialist

As I talk with tenants andcommunity leadersaround the state aboutprivately held Section 8properties with expiringcontracts, the over-whelming response is �Ihad no idea this washappening,� or �Whatcan we do?�

This is the coming avalanche of expiring Section 8contracts currently held by private owners of multi-family properties andthe potential for theirloss - creating an evenwider gap in the stockof affordable housingand those who need it.

In an attempt to lowerthe escalating costsassociated with Section8 subsidies, particularly project based assistancepaid to owners of privately held, (not PublicHousing Authorities) multi-family rental properties,HUD embarked on a strategy integrating the needto restructure some contracts alongside the desireto renew expiring contracts. For properties cur-rently receiving in excess of 100% of comparablemarket rents, HUD is offering owners an opportu-nity to restructure their mortgages through the Markto Market Program, also known as M2M. Forthose with rents below comparable market rates,HUD may consider raising the subsidies if certainmarket conditions exist - the goal being to limit allSection 8 subsidies to a rate comparable to orbelow the local market. There are of course manyexceptions, rules and regulations, and criteria to beapplied making the �portfolio re-engineering�process complicated and often overwhelming for

tenants, owners, and concerned communities alike.

Organizations involved in carrying out the HUDrestructuring program are:the Participating Administrative Entity (PAE) whichfor Florida is the Florida Housing Finance Corpora-tion. They will be in charge of directing therestructuring process;the Outreach and Training Grantee (OTAG) whichis the Florida Housing Coalition - in charge ofassuring a broad base of participation from tenantsand community entities in the restructuring process;the Intermediary Technical Assistance Grantee(ITAG) which is the Low Income Housing Fundlocated in California. They are in charge of provid-ing technical assistance and HUD dollars to

tenants and commu-nity entities in theirefforts to organize andengage in preservationactivities.Each of these organiza-tions work togetherclosely along with thetenants and commu-nity entities to provide

the best solutions to maintain affordable rents,improve and preserve the physical condition of thehousing, and ensure competent property manage-ment.

The Florida Housing Coalition has been contractedby HUD through the Outreach and Training Grantto provide information and assist tenants andcommunities in organizing, planning preservationstrategies, and identifying resources to carry outthose strategies. In an attempt to provide raiseawareness of tenants, community leaders andpolicy makers, Coalition technical assistance staffare prepared to provide direct services in address-ing issues and organizing tenants in communitieswhere properties will be eligible for HUD�s Markto Market program. Besides face to face (or phoneto phone as you prefer) assistance FHC has in-


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MARK TO MARKET

More than 300 Florida Propertieshave contracts that will expire beforethe end of 2002 - the bulk of themexpiring in 1999.

cluded information on its web site to help familiar-

ize you with this very complicated attempt byHUD to hold costs down while preserving units.How will Florida be affected? That�s hard to sayjust now, but the best hope for keeping affordableunits in the stock is to become informed. Informa-tion in this article is just a starting point. Look tothe side bar for other sources.

More than 300 Florida Properties have contractsthat will expire before the end of 2002 - the bulkof them expiring in 1999. These properties pro-vide over 35,000 units of housing to families withlow incomes, the elderly and persons with disabili-ties. Though many private owners will renew theircontracts with HUD for a one year period, it isestimated that between 10 and 25% will not renewand �opt-out� of the program or pre-pay theirmortgages thus relieving them of obligations tokeep rents affordable to low-income tenants. In2003 and beyond, many thousands of units eachyear will be added to the number of propertiesconsidering renewal on a year to year basis.

A recent study published by the National HousingTrust using HUD data showed Florida experienceda 1400% increase in opt-outs and pre-pays in arecent eight month period (April 1998 to Decem-ber 1998) as compared to the previous 12 monthperiod. As of December 1998, Florida lost over4,000 units as owners declined contract renewalsor pre-paid their HUD insured mortgages. Mostlikely to opt out are those receiving subsidiessubstantially lower than the comparable market -whose buildings are in reasonably good shape

allowing them to compete with other nearbyproperties. These owners will feel they can do aswell or better without the subsidy, continue toservice their debt and maintain their buildings andsince HUD is renewing contracts on a one yearbasis (renewable yearly but not guaranteed) andtenants are given vouchers, some owners will feeleven less compelled to stay in the program. Hard-est hit will be communities experiencing rapidgrowth where housing costs continue to rise andthose areas where vouchers will not cover actualcosts to tenants or housing providers are unwillingto accept vouchers.

Based on data gathered to date, there are nocommunity or state-wide preservation programs forthese properties in place though some largermetropolitan areas are beginning to discuss strate-gies. First hand accounts of rising rents and forcedmoves are starting to come in. As stated earlier, itwould be unreasonable to think that the bulk ofthis housing will leave the program but even aminimal loss state-wide could be devastating for asingle community. To find out more about expiringSection 8 contracts in your area, contact MelanieGreene, Technical Assistance Specialist with FHCat 941-698-4184 or at and attend the M2Mworkshop at our upcoming annual conference -�From the Front Porch to Main Street� on Novem-ber 8 and 9 in Sarasota.

MARK TO MARKET RESOURCES

• Florida Housing Coalition M2M website with HUD and other links:http://www.nettally.com/fhc

• Mark to Market: A Fundamental Shift inAffordable Housing Policy : Housing PolicyDebate Volume 10 Issue 1 p.143

• HUD�s New Plan for Section 8:Affordable Housing Finance Volume 7,No. 6 June �99


by Michael ChaneyTechnical Assistance Specialist

Three of Florida�s largest utility companies haverecently agreed to enhance the energy efficiencyservices and resources they provide to low incomecustomers. The agreements improve opportunitiesfor many affordable housing providers to partnerwith these utility companies and increase theenergy affordability of the houses on which theywork.

On July 6, the Florida Public Service Commission(PSC) approved and formalized these new utilitycompany programs and initiatives. As the body thatregulates Florida�s largest utility companies, thePSC has reviewed these program as part of its fiveyear review of the energy conservation goals thatFlorida�s investor-owned utility companies mustobserve. The following utility company agreementsare part of a package of environmental and energyefficiency programs contained in negotiationsbetween the Legal Environmental AssistanceFoundation (LEAF) and Florida Power Corporation,Florida Power and Light, and Gulf Power. LEAF is anonprofit organization that advocates before theFlorida Public Service Commission on environmen-tal and low income issues. Tampa Electric Com-pany is currently working with LEAF on a similaragreement for its low income customers.

� Florida Power Corporation (FPC) has beena leader among investor owned utility compa-nies in working with housing groups to ensurethat low income customers in its service areahave energy efficient housing. During thepast two years, FPC has established a suc-cessful program to provide WeatherizationAssistance Program (WAP) providers with upto $880 per household to pay for energyimprovements when a house is weatherizedor rehabilitated. Its recent agreement nowoffers this program to every WAP provider inits service territory.

Low Income Customers Will Benefit from New Utility Programs

� Florida Power and Light (FPL) has agreedto replicate the success of FPC�s WAP pro-gram in its area of service. FPL will workwith both WAP providers and other affordablehousing groups to provide up to $953 perhousehold to pay for energy improvements.In addition, FPL will waive the $300 fee forits new construction program when workingwith affordable housing providers on a limitednumber of houses. This program offers hous-ing groups a valuable series of constructioninspections and consultation services to ensurethat new homes are properly built and includeenergy efficiency features.

� Gulf Power has agreed to work more closelywith several affordable housing providers inits service territory in the Panhandle. Theutility company recognizes that these housinggroups can perform some of its utility serviceswhile they are rehabilitating the homes oftheir low income customers. The utilitycompany will pay these groups for conductingenergy audits in the houses as a routine partof their home inspection process.

The Florida Housing Coalition will provide moredetails about how housing providers can get in-volved as the utility companies develop and beginto implement their new programs. For moreinformation about how this may enhance yourhousing initiatives, call Michael Chaney at theFlorida Housing Coalition (850) 878-4219. n


SHIP CLIPS

by Wight Greger

We have an elderlycouple who have ap-plied for rehabilitationassistance. Their homeis a life estate. Is thisconsideredowner-occupied?

Generally yes. It iscommon for elderly

persons to place their property in trust as a meansof providing for their children after they are gone.Local governments can decide how they want todefine ownership. In some communities, thelocal government has decided to tightly defineownership and in many cases will not provideassistance to a home if the deed is held in anotherfamily member�s name, or if there are judgmentsagainst the owner, such as those made by the localgovernment for payment of back taxes. While thismay seem like a prudent and wise use of publicfunds, these types of policies do little to addressthe furtherance of overall community improvementthrough affordable housing activities, not to men-tion that the households which are denied assis-tance in these instances may have no choice but tocontinue to live in substandard units.

Is construction management which isoutsourced considered a project soft cost?

Yes, construction management activities, includingwork write-ups, inspections, and contractor over-sight are all related to project delivery, and areconsidered to be soft costs. Soft costs can be paidwith program funds rather than tapping into thevery limited administrative funds. For example: Anowner-occupied rehabilitation job is estimated tocost $20,000 in materials and labor. Your con-struction management company charges you $500

to manage the project, perform the work write-upsand inspections, and provide contractor oversight.The total amount of the job is now $20,500. Ifyou have a maximum per unit cap of $20,000,then you must reduce the amount of work to bedone by $500, so that the total job cost is$20,000. If for some reason this is not feasible,then the construction management fee of $500must be paid from the administrative portion ofyour SHIP funds. Remember that you may exceedthe maximum per unit amount ONLY with theapproval of the local governing body on a case bycase basis, and evidence thereto must be retainedin the individual applicant file. Note: If part of theservice is a feasibility test which results in a �no-go� decision, then the fee paid for that servicecannot be paid from program funds, because thereis no work performed on the unit.

Is it ok to provide our downpayment assis-tance on a construction-perm loan?

Yes. If you do provide the assistance at the con-struction loan closing, which is before the unit isbuilt, you cannot count funds as expended until theunit is finished and occupied.

Based upon a recent file review, we have recentlydiscovered that the annual reports from previous(closed out) years, as submitted to FHFC, areincorrect. If I report the activity accurately, we willnot be able to meet the very low-income set-aside.What should we do?

You should file amended reports, and shift files tocover the very low-income set-aside. Since theincome set-asides are statutory, they must bestrictly adhered to; therefore shifting files betweenprogram years to ensure that you meet the incomeset-asides is an accepted business practice.


COALITION NEWS

COALITION BRIEFS FLORIDA�S CONGRES-SIONAL DELEGATES IN WASHINGTON, DCOn Tuesday, Marcy 30, representatives of theFlorida Housing Coalition met with housing staffsof several Florida Congressional delegates inWashington, DC. Themeetings were part ofthe activities during thejoint conference of theNational Low-IncomeHousing Coalition andthe National Congressfor Community andEconomic Develoment.Representatives of theCoalition includedboard members, JaimieRoss of 1000 Friends ofFlorida, Dan Horvathof Community EquityInvestments, Inc., andBarbara Burnham ofGreater Miami LISC;Coalition members included Maria Pellerin ofCarrfour Corporation, Ignacio Esteban of the FloridaCommunity Loan Fund Inc., and Chloe Coney ofthe Corporation to Develop Communities ofTampa, Inc. and Tracy Suber. The group met withhousing staffs for Senators Mack (R-Florida) andGraham (D-Florida), Rep. Bill Young (R-10th), Rep.Carrie Meek (D-17th), Rep. Peter Deutch (D-20th)and with the housing and banking staff for Rep.Peter McCollum.

The purpose of the meeting was two-fold; first, tointroduce congressional staff to the information andresources on housing and community developmentissues that are available through the Coalition, andsecond, to deliver the message that congressionalsupport for housing and community developmentissues, including increasing discretionary domesticspending caps, sponsoring HB 425 to furtheraffordable housing preservation and not weaken-ing provisions of the Community ReinvestmentAct,, are vital to supporting affordable housingpolicies and programs innovated by the state ofFlorida.

Counsel Jaimie Ross andExecutive Director TracySuber in Washington, DC.

COALITION BOARDMEMBERThe Florida HousingCoalition congratulatesBoard Member, BarbaraBurnham. Barbara has lefther position as SeniorProgram Director withGreater Miami LISC toreturn to her native Bostonas ------with the BostonRedevelopment Authority.

DCA RENEWS COALITION�S TECHNICAL ASSIS-TANCE CONTRACTThe Department of Community Affairs AffordableHousing Catalyst Program has extended its contractwith the Florida Housing Coalition to providedirect telephone and on-site technical assistance toSHIP administrators, nonprofit organizations, andother members in the local housing partnership.You may be eligible for direct, on-site technicalassistance! If you have questions about programdesign or program regulations, or are interested inscheduling an on-site visit, contact the FloridaHousing Coalition at (800) 677-4548.

COALITION ANNOUNCES 1999-2000WORKSHOP SERIESThe Florida Housing Coalition is pleased to an-nounce its 1999-2000 workshop series, sponsoredby the Florida Department of Community Affairs.This series features a number of new workshops,specifically designed as a result of the feedback theCoalition has received from past workshops, andbetter suited to the individual needs of affordablehousing providers. New workshop topics includeUnderstanding the Income Qualification Process,Using SHIP for Rental Development, When toPartner with a Developer, Designing a ResponsiveDownpayment Assistance Program, Setting up YourHomebuyers Club, Financial Management forNonprofits, and Project Financing. Watch yourmailbox for a workshop brochure and registrationform; for more information, contact the Coalition at(850) 878-4219.


The Florida Housing Coalition is an organizational member and an activeparticipant in the larger efforts of the National Low-Income Housing Coali-tion. located in Wa-shington, DC. We urge you to join us by becomingorganizational or individual members of this critical organization.

As you know, Florida is the national leader in generating state revenues foraffordable housing through our dedicated Sadowski Act funding.The FloridaHousing Coalition is ever vigilant in protecting that funding through legis-lative efforts at the state level and the work we do in training and technicalassistance throughout the state. But most of Florida�s funding for affordablehousing does not come from the Sadowski Act. It comes from federal pro-grams, such as the Low Income Housing Tax Credit, HOME, and indi-rectly, from the Community Reinvestment Act. We rely upon our national�sister� organization, the National Low Income Housing Coalition to beour effective voice in ensuring that these and other important programs arehealthy. To secure affordable housing it takes a partnership at the state andnational level. We need the National Low Income Housing Coaltion tospeak for us in Washington, and they need us to count among their mem-bership when they are speaking.

When you join the National Low Income Housing Coalition, you will re-ceive �Memo to Members�, a weekly e-mail and fax summary of currentand critical Washington information. It is a highly readable, fact-filled, nofrills publication that connects us to valuable knowledge we need to beeffective housing advocates. �Point of View�, the weekly column from thepresident, Sheila Crowley, is a must read for reflective and creative think-ing about housing and community development.

The National Low Income Housing Coalition serves as the information andadvocacy hub for all state coalitions, helping housing advocates to con-nect and learn from one another. In short, we urge you to join the Na-tional Low Income Housing Coalition. As a NLIHC member, you will bothbenefit from and support this critical housing policy advocacy organiza-tion. The NLIHC is the national voice of all low income people who needaffordable housing.

COALITIONNEWS

FHFC AND FIRSTHOUSING ENTER INTOAGREEMENTS WITH HUDFlorida Housing FinanceCorporation (FHFC) and FirstHousing DevelopmentCorporation of Florida haveentered into agreements withthe Department of Housingand Urban Development�sOffice of Multifamily HousingAssistance Restructuring(OMHAR) to provide restruc-turing services as ParticipatingAdministrative Entities (PAEs)through the Mark to MarketProgram. FHFC is one of 18state and local housingfinance agencies in thecountry to enter into agree-ments; 196 mortgages will berestructured among theseagencies. First Housing isone of two private companieswho will restructure the debton 54 properties located inAlaska, Arkansas, Hawaii,Kansas, Mississippi, Mon-tana, Nebraska, Nevada, andWyoming. The contractagreements are part of aneffort to preserve thousandsof HUD-subsidized privately-owned low-income apart-ment developments. FHFC�sPAE contact is StephanieReaves at (850) 488-4197.For more information, see theMark to Market page ofFHC�s web site and look forthe link to HUD�s Office ofMultifamily Housing andRestructuring (OMHAR).

NATIONAL LOW-INCOMEHOUSING COALITION

Tracy Suber,Executive Director

Jaimie Ross,Past President

A Message from Tracy Suberand Jaimie Ross Regarding theNational Low-Income Housing

Coalition

Please see page 18 for a membership form.


n

n

National Low Income Housing Coalition Membership Form

Please check the appropriate category for your membership:

Indiv iduals Private or Community based Other organizations (by budget size)

q Low Income: $ 20 q Under $25,000: $ 40 q Corporations: $ 300q Regular: $ 50 q $25,000-$100,000: $ 100 q Government Agencies: $ 300q Contributing: $ 200 q Over $100,000: $ 200 q National Organizations: $ 300

___ Yes! I want to join NLIHC. I enclose: $___________

___ Yes! I would also like to make an additional contribution. $___________

___ Yes! I would like to contrib ute to the Scholarship Fund to $___________ support the participation of low incom e people in NLIHC.

Total Am ount Enclosed: $___________

Member Name: _____________________________________________________________

Organizatio n: ______________________________________________________________

Address: __________________________________________________________________

City: __________________________ State: ______________ Zip+4: ________________

Telephone: ________________ Fax: _________________ E -M ail: ____________________

Congressional D istrict (or US Representative ’s Name): ____________________________

I would like to receive the weekly Memo to M em bers by: q q Fax q q E-M ail

PAYM ENT

Check One: q Visa q Check enclosedq MasterCard

Credit Card Number: _________________________________ Exp. Date: _____________

Cardholder Signature: _______________________________________________________

Please return this form and payment to:NLIHC1012 14th Street, NW , Suite 610W ashington, DC 20005(202) 662-1530 ext. 224(202) 393-1973 (fax)http://www.nlihc.o rg

Dues and gifts are tax-exempt underSection 501(c)(3) of the InternalRevenue Code, except $15 forproduction costs.

FL 7/99

NLIHC MEMBERSHIP FORM

Jaimie Ross currently serves on the Board of Directors for the National Low Income Housing Coalition, andwould welcome answering any questions you may have. She may be contacted at [email protected]


RESOURCES

nPUBLICATIONS

Federal Funding Sources for Rural Areas: FiscalYear 1999 is an annual report from the RuralInformation Center Publication Series. It providesextensive listings of federal assistance programs,national, regional, and local office contacts andgrant application procedures. For a catalog, call(800) 669-8331, or visit www.gsa.gov/fdac.

Nonprofit Accounting Software Guide. TheNonprofit Financial Center of Chicago has pub-lished this guide intended to help nonprofits inchoosing accounting software. The handbookevaluates 26 fund accounting software programs,weighing their features, costs, compatibility withFinancial Accounting Standards Board criteria andY2K compliance. The 63-page handbook includeschapters about accounting system requirements,selecting software, cost summaries of popular

programs for both small and large organizations,and tables that summarize each program's features,ease of use and hardware requirements. Thebooklet costs $40. Contact the Nonprofit Finan-cial Center on the Web by e-mail, call (312) 606-8250, or write to the center at: 111 W. Washing-ton, Chicago, IL 60602.

America�s Best and Worst Lenders is available for$28.00 from the National Community ReinvestmentCoalition. Call (202) 628-8866 to order a copy.

Rent Control: Regulation and the Rental HousingMarket is available for $14.95 fom the RutgersCenter for Urban Policy Research. Call (732) 932-3133, ext. 5555 to order a copy.

FINAL RULE AND NOFA PUBLISHED FORSECTION 538. The deadline is August 31, 1999for lenders applying to make RHS-guaranteed loansfor rural multifamily housing projects. Approxi-mately $74 million in loans will be available in FY1999. See Federal Register, 6/16/99, pp. 32370-72(rule) and 32373-75 (NOFA). For more informa-tion, contact Carl W. Wagner, RHS, (202) 720-1604.

SHORT-TERM GRANTS AVAILABLE FOR POLICYRESEARCH RELATED TO WELFARE REFORMOUTCOMES. Nonprofits, for profits, and educa-tional institutions can apply by July 26, 1999 for$75,000 - $150,000 from the Department ofHealth and Human Services to analyze well-being,participation in government programs and otherdata. Research on �important subgroups� includ-ing rural residents is encouraged. Visit http://aspe.os.dhhs.gov, or call Audrey Mirsky-Ashby at(202) 401-6640 for more information.

HAC RECEIVES ADDITIONAL SHOP FUNDSHUD has announced HAC will receive $6 millionin 1999 Self-Help Homeownership OpportunityProgram funds to be passed through as loans andgrants to local self-help builders. The HAC Newswill announce when applications are available fromHAC in several months. For HUD�s press release,visit http://www.hud.gov/news.html.


The Florida Housing Coalition wishes toacknowledge and thank the followingorganizations and individuals for theircommitment to improving housing con-ditions in the state of Florida.

PARTNERS FOR BETTER HOUSING MEMBERSHIPPartners for Better Housing Membership is for those who wish to support the workof the Florida Housing Coalition by making a tax deductible donation of $500 ormore. Partners for Better Housing members receive subscriptions to Housing NewsNetwork, free job posting service on the Coalition’s web page and unlimited mem-bership rates for registration at the conference. They also receive recognition at theconference, in all conference-related publications, the Coalition’s Webpage and ineach issue of Housing News Network.

q $10,000 Gold Sponsor q $2,500 Co-Sponsorq $7,500 Silver Sponsor q $1,000 Patronq $5,000 Sponsor q $500 Contributor

BASIC MEMBERSHIPBasic membership is for those who wish to subscribe to Housing News Network, postjob announcements free of charge on the Coalition’s web page and receive membershiprate registrations at the annual conference. An individual member receives onesubscription and one member rate registration. Organizational members receive upto five subscriptions and five member rate registrations. (Please indicate additionalnames, addresses and phone numbers on an attached sheet.) Each membership isentitled to be represented by one voting member at the annual meeting as designatedbelow.

Individual q $75Nonprofit Organizations q $150Government Agencies q $200Private Organizations q $250

Authorized Representative (please print or type):

___________________________________________

Title: ______________________Signature: ________________

Organization: _______________________________________

Mailing Address: _________________________________

City: ____________________________ State: _________

Zip: ______________ County: ____________________

Phone: (__)______ Fax: (__)_______ Email:_______________

Make check payable to: Florida Housing Coalition1367 E. Lafayette St., Suite C, Tallahassee, FL 32301 - Phone: (850) 878-4219 Fax: (850) 942-6312

A registered 501(c)(3) not-for-profit corporation-all donations are tax deductible.Federal ID#59-2235835

A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BEOBTAINED FROM THE DIVISION OF CONSUMER SERVICES BY CALLING TOLL-FREE 1-800-435-7352 WITHIN THE STATE. REGISTRATION DOES NOT IMPLY ENDORSEMENT,APPROVAL, OR RECOMMENDATION BY THE STATE.

Membership Application

Florida Housing Coalition1367 East Lafayette Street, Suite CTallahassee, FL 32301

FIRST CLASSU.S. POSTAGE PAID

PERMIT NO. 502

TALLAHASSEE, FL

SUMMER 1999

Please check your mailing label for your membership expiration date. If you are due for renewal,please mail membership form and check to 1367 E. Lafayette St., Suite C, Tallahassee, FL 32301

Partners for Better Housing

GOLD SPONSORThe First Union Foundation

NationsBank

SPONSORFannie Mae Foundation

Florida Dept. of Community AffairsFlorida Housing Finance Corporation

Florida Power CorporationLocal Initiatives Support Corporation

and National Equity FundSunTrust Banks of Florida, Inc.

CO-SPONSORBankers Trust, Florida, NA

SouthtrustWashington Mutual

PATRONCity of Tampa, BCS/CRA

Community Equity Investments, Inc.First Housing Development Corp. of

FloridaFreddie Mac

Greater Miami NeighborhoodsWilliam R. Hough & Company

MetroBuilders, Inc.Related Capital, Inc.

Tampa Hillsborough Action PlanU.S. Trust Company of Florida

The Wilson CompanyWorld Savings

CONTRIBUTORFleet Bank, F.S.B.

Florida Association of RealtorsFugleberg Koch Architects

The Hendrickson CompanyMerrill Lynch Credit Corporation

National Development of America, LLCJaimie Ross

Brad & Tracy SuberVestcor Equities

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