APPLICATION FOR FUNDS FOR PROJECT TO HELP …... · Attorney General Cypres Grant Sept. 2011 - Aug....

APPLICATION FOR FUNDS

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APPLICATION FOR FUNDS FOR PROJECT TO HELP WASHINGTONHOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE

THE EFFECTS OF THE FORECLOSURE CRISIS

Please submit an application including all of the following information. Incompleteapplications will not be considered.

I. APPLICANT INFORMATION

Organization Name: Washington Homeownership Resource Center(WHRC)

Mailing Address: 17544 Midvale Ave N, Suite LL

City, State, Zip: Shoreline, WA 98133

County: King

If Tribal, Designate Tribe:

Primary Contact Person: Marc G. Cote

Primary Contact Phone No.: 206.334.0731

Primary Contact Email: [email protected]

Secondary Contact Person: Jane Bloom

Secondary Contact Phone No.: 425.299.6020

Secondary Contact Email: [email protected]

II. ORGANIZATION TYPE

(check applicable)

501(c)3 nonprofit

Tribal

Governmental agency

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III. IDENTIFYING INFORMATION

Tax Identification Number (TIN): 91-1669492Uniform Business Identifier (UBI): 601601515

A. Does your organization currently receive any funding from the AGO? If yes,please identify the date of your last report.

No; Yes.We do not report directly to the AGO as the funds come to us via theWashington State Housing Finance Commission (WSHFC). The last reportwe submitted to the WSHFC was on March 25, 2012.

B. Does your organization receive any funding from any other governmental agencyfor housing related projects or foreclosure related assistance? If yes, list thecontracts by title, contract number and funding amount for the past 3 years.

No; Yes.All our funding from various governmental agencies comes to us through theWashington State Housing Finance Commission (WSHFC). The funds arelisted by fiscal year--------- Fiscal Year 2009 ---------Department of Financial Institutions Grant Aug. 2009 - June 2010 $ 50,000

SB6030 PROOF Program Grant July 2009 $ 1,639

NEIGHBORHOOD INITIATIVE PROJECT NO. B-08-NI-WA-0036FY2009 SUBGRANT AGREEMENT July 2009 - June 2010 $ 20,000

--------- Fiscal Year 2010 ---------Department of Financial Institutions Grant July 2010-June 2011 $ 60,000

Attorney General Countrywide Settlement Grant $ 60,000

NEIGHBORHOOD INITIATIVE PROJECT NO. B-08-NI-WA-0036FY2010 SUBGRANT AGREEMENT July 2010 - June 2011 $ 20,000

Washington State Housing Counseling Grant July 2010-June 2011 $ 40,000

--------- Fiscal Year 2011 ---------WSHFC House Key Counselor Grant Mar. 2011 - Dec. 2011 $ 53,480

Department of Financial Institutions Grant July 2011-June 2012 $ 60,000

Attorney General Cypres Grant Sept. 2011 - Aug. 2012 $ 60,000

State Foreclosure Fairness Act Gap Grant July 2011 -June 2012 $ 40,000

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State Foreclosure Fairness Act Grant July 2011 -June 2012 $147,670

C. Is your organization solely owned/operated by a current state employee? If so,please complete the Ethics Certification process at www.ethics.wa.gov.

No; Yes.

IV. PROJECT PROPOSAL

A. Project Title Statewide Foreclosure Hotline

B. Requested Amount: $950,000.00

C. Project summary: In 150 words or less, concisely describe your project and howit meets the criteria set forth in the settlement. This summary will help theCommittee review proposals. Attachments and exhibits are not allowed in thissection. Over-length summaries will disqualify application.We will use the Washington Consumer Foreclosure Remedies Fund grant to:

• Fund 95% of the statewide Foreclosure HOTLINE for three years

• Provide periodic follow-up interviews with consumers; conduct surveys tomeasure the effectiveness of foreclosure services at meeting consumer needs;track outcomes

• Implement a secure web portal that will provide an alternative avenue forhomeowners to request services and will facilitate communication and documentexchange between consumers, housing counselors, legal aid attorneys, and otherservice providers.

The HOTLINE staff are certified in mortgage delinquency and default counselingand are uniquely qualified assess the needs of consumers affected by foreclosureand refer them to appropriate services.

The HOTLINE number - 877.894.HOME(4663) is listed in the pre-foreclosurenotices that lenders must send to homeowners prior to starting foreclosure. Thismakes the HOTLINE the entry point for all homeowners facing foreclosures. It isessential that it continue to operate.

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D. Describe how your project meets the criteria set forth in sections I and III above,including estimated start and completion dates. Supporting information andexhibits may be included here. Please try to make your submission as concise aspossible.The Washington Homeownership Resource Center (WHRC) provides referrals,education, information, and follow-up services that increase and preservehomeownership in Washington. It operates a website and the state-wideWashington Homeownership Information Hotline (HOTLINE). HOTLINEoperators take calls from consumers concerned with homeownership and connectthem to the local services that they need to understand and resolve their issue orreach their goal.The toll-free HOTLINE number - 877.894.HOME(4663) is listed in the pre-foreclosure notices that lenders must send to homeowners prior to startingforeclosure. This makes the HOTLINE one of the first places a distressedhomeowner will contact to seek assistance.The HOTLINE is listed on various governmental websites including the USDepartment of Housing and Urban Development (HUD), the Washington StateDepartment of Financial Institutions (DFI), the Washington State Department ofCommerce (COM), and the Washington Housing Finance Commissions(WSHFC). In the past three years it has been publicized in several media storiespertaining to the foreclosure crisis and it has been the feature three times.Callers are referred to the HOTLINE from many and varied sources including;Washington Information Network 2-1-1, Attorney General’s Office, Departmentof Financial Institutions, Northwest Justice Project, Federal and State Legislativeoffices, and lenders.The WHRC seeks funds to maintain the HOTLINE for three years and also to,• provide periodic follow-up interviews with consumers; conduct surveys tomeasure the effectiveness of foreclosure services at meeting consumer needs;track outcomes; and• implement a secure web portal that will provide an alternative avenue forhomeowners to request services and will facilitate communication and documentexchange between consumers, housing counselors, legal aid attorneys, and otherservice providers.The HOTLINE project would start immediately upon funding award and continuefor three years. The follow-up interviews, surveys and data tracking would beginwithin 2 months of funding award and continue for three years. Implementing thesecure web portal will begin immediately upon funding award with beta testing.Within three months of award the portal will be fully operational.The HOTLINE project meets the criteria set forth is sections I and III of theapplication as follows:IT IS A STATE WIDE FORECLOSURE ASSISTANCE HOTLINE THAT HASA FUNDING SHORTFALL.The HOTLINE handles on average 1,200 calls per month – 1,100 of them arefrom callers concerned with mortgage delinquency and default. A chart showingthe data for the past two years is attached for your reference (Attachment D-6).As currently operated the HOTLINE is staffed by four Intake and Referral

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Counselors and a half-time director. Cost to run the HOTLINE is $265,000 peryear. We have secured funding for $40,000, only 15% of the annual operatingcosts.The Department of Financial Institutions has informed us that effective October2012 they will end their financial contribution to the HOTLINE.In an email (Attachment D-1) dated June 18, 2012 Dee Taylor reported “theDepartment of Commerce anticipates funding for the next year will be about halfof what we received for the first year.” Additionally, the follow-up service, andimplementation of the secure web portal functions that we are proposing are noteligible under the FFA Request for Proposals extended to the housing counselingagencies on June 18, 2012 (see Attachment D-2.)IT IS GEOGRAPHICALLY DIVERSE.The HOTLINE receives calls from every county in the state. The pie graph inAttachment D-3 shows the geographical distribution of callers that were servedbetween July 1, 2011 and April 30, 2012. By documenting caller information weare able to understand where services are needed. We produced the map shown inAttachment D-4 to show one of our funders where mortgage delinquency anddefault counseling was needed during the 3rd Quarter of 2010.IT PROVIDES A UNIQUE AND NECESSARY SERVICE TO CONSUMERS.The HOTLINE is the only statewide foreclosure assistance hotline staffed byintake and referral counselors that are certified in mortgage delinquency anddefault counseling. Our staff is uniquely qualified to do high level assessments ofthe consumer’s mortgage default issue and refer them to the correct services.The HOTLINE number - 877.894.HOME(4663) is listed in the pre-foreclosurenotices that lenders must send to homeowners prior to starting foreclosure. TheForeclosure Fairness Act legislation directed the Washington State HousingFinance Commission to choose a phone number that lenders must provide tohomeowners in any pre-foreclosure notices and they chose the HOTLINE.Because we are listed in the pre-foreclosure option notices (NOPFO - seeAttachment D-5 for an example) the HOTLINE is one of the first placesdelinquent homeowners call. These callers are often confused by the NOPFO and,for example, believe that their home will be foreclosed in 30 days. Most areunaware of the services that a housing counselor can provide. Our intake andreferral counselors help them understand where they are in the foreclosureprocess, what they can do immediately to preserve their rights and avoid scams,and where they can get further free professional assistance that can help themavoid preventable foreclosures and resolve their issue.IT IS A PROGRAM WHICH HAS PREVIOUSLY DEMONSTRATEDSUCCESS.The HOTLINE is well established and has a track record of successfullyconnecting thousands of distressed homeowners with essential services that helpthem avoid preventable foreclosures. Between May 1, 2011 and April 30, 2012we served 14,400 distressed homeowners. Attachment D-6 shows the callvolumes between June 1, 2010 and April 30, 2012.WHRC connects with housing counseling agencies and legal aid programs fromaround the state. With the Northwest Justice Project and Columbia Legal Services

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it convenes a statewide bi-weekly conference call with housing counselors, legalaid attorneys, and state officials to discuss and share information on contemporaryforeclosure issues, trends, and consumer needs. We maintain a referral list ofHUD approved housing counseling agencies and legal aid programs. The listcontains the following information; agency name, services offered including ifcounselors will refer and or accompany homeowner to meet and confer ormediation, business phone, number of counselors or attorneys, languages spokenby counselors of attorneys, locations of Agency offices, URL of Agency website,whether the Agency is actively taking clients, average response time, emailaddress for on-call referrals, agency service area, and whether or not an intakepacket is available electronically. The referral list is formally updated on aquarterly basis. In addition to the counseling and legal services referral lists, wemaintain a referral list of other foreclosure support services and social services.Callers are encouraged to call us back if they are unable to connect with a referralwithin 72 hours. The HOTLINE gets very few of these call backs.IT INCREASES THE PARTICIPATION IN THE LOAN MODIFICATION,MEDIATION, AND MEET-AND-CONFER PROCESSES.The phones are operated by housing counselors certified in mortgage-delinquency-and-default counseling. They are able to educate callers about meetand confer, mediation, and loan modifications prior to referring them to a housingcounselor. More specifically, the HOTLINE housing counselors offer callers thefollowing services:1. Screen callers to establish nature and urgency of their concern;2. With callers consent, counselors document the callers demographic informationand specific data about their concern (see Attachment D-7 for a list of datacollected)3. Provide referrals to legal aid attorneys, housing counselors, and otherprofessional services that are known to provide the services needed and beactively taking clients.4. Callers with urgent issues are live-transferred to an “on-call” housing counselorfrom a HUD approved housing counseling agency and, with the caller’s consentdata collected about them and their situation is immediately sent electronically tothe on-call counselor. (Please refer to Attachments D-8 for an example email sentto the on-call counselor and D-9 for the on-call counselor protocol.)5. Answer caller questions about the foreclosure process and the foreclosuretimeline, and inform them of their rights under the foreclosure fairness act andhow to access them.6. Educate the caller on services provided by the housing counselor and howworking with a housing counselor may benefit them.7. Callers that give us their email address receive a follow-up email withinformation and instruction provided to them during the call (see Attachments D-10 and D-11 for example emails).

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E. Describe the demographics of the consumers you serve. Please providesupporting data or statistics.The HOTLINE collects information from callers in order to understand thepopulation we serve and to comply with reporting requirements of funders andgovernment. We want to know and track, who is calling, what is the nature oftheir concern, the physical location of the concern, and what parties are involved.We can speak Spanish, Vietnamese, Chinese, Korean, Hindi, Guajarati, and Urdu.WHRC contracts with Certified Languages International (CLI) to cover anycallers that speak languages that we cannot cover in-house.We serve all consumers that reside in Washington State. Although we refer allcallers to services, we prioritize owner-occupied homeowners. Attachment E-1shows the demographic information of the consumers we served between July 1,2011 and April 30, 2012.

F. Describe the geographic scope of your project.The HOTLINE has served the entire State of Washington since 1996 and willcontinue to do so.

G. Identify the total number of consumers you expect to serve during the life of thisgrant.Between May 1, 2011 and April 30, 2012 the HOTLINE served on average 1,200homeowners per month. Assuming a similar number served and extrapolatingover the three year period of this project would estimate that we would serve43,200 homeowners. We expect that implementation of the web portal combinedwith effective outreach with the housing counselors and other service providerswill increase the number of households we serve by an estimated 5,000 per annumor a total number served during the project period of approximately 58,000.The new website portal will allow homeowners to securely request services fromtrusted service providers at all hours of the day or night. Furthermore, our callcenter greeting will announce the option to connect with services providers via theweb portal. This will give callers the option to use the web portal instead ofwaiting for an intake and referral counselor or leaving a voicemail message.

H. If this is not a new project, describe what changes are being made to an existingproject.We are proposing two changes to the existing HOTLINE project:1. Add a full-time employee to conduct a series of follow-up interviews with asample of consumers and record and track specific facts about each case. The goalof this service is to quantitatively measure the effectiveness of the foreclosureservices at meeting the consumer’s needs, track the number and type of servicesused, identify any duplication of services, benchmark the consumer’s progresstowards resolution, and determine the final outcome.2. Implement a secure web portal to provide an alternative avenue for consumersto request services, and to facilitate communication and document exchangebetween consumers and service providers. WHRC created the portal as part of its

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website design project. The new website is scheduled to be launched inSeptember 2012. We require funds to inform housing counseling agencies, legalaid attorneys, and other service providers of this tool and to train them on how touse it effectively. For an overview of how the web portal works please refer toAttachment H-1.

I. Describe how net benefit or positive outcomes can be measured at the end of theproject.A core element of this project is measuring the effectiveness of referral services ataiding the consumer in resolving their foreclosure issue. We will track theprogress of consumers on an on-going basis and will be able to report meaningfulresults throughout the course of the three year project including the end.

J. Have you applied for an equivalent grant in the past, and if so, to which entity andwhen?We have not applied for an equivalent grant for this project. We have applied forfunding for the HOTLINE without the added services we are applying for here.We applied for funding from the WSHFC for Foreclosure Fairness Act funds tocover a portion of this project. Please note that at least 20% of this project’s costis not eligible for FFA funding.

K. If you intend to collaborate with other organizations, please provide a letter ofsupport from that organization.Please see Attachment K-1: This project is supported by many of the HUD andWSHFC approved housing counseling agencies around the state. Additionally theweb portal portion of the project is supported by the King County HomebuyerReadiness Collaborative the core members of which are Habitat for Humanity,HomeSight, Homestead Community Land Trust, and Parkview Services. Pleasefind letters of support attached.

L. Please provide an organization chart for your organization.Please see Attachment L-1

M. Please provide three references familiar with organization’s activities and theircontact information.1. Diana Stone, Director, Seattle-King County Asset-Building Collaborative; 206-275-1811, [email protected]. Marty Kooistra, CEO, Habitat for Humanity Seattle/South King County; 206-292-5240 ext. 103; [email protected]. Rick Torrance, Department of Commerce Community Services and HousingDivision; (360) [email protected]

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V. PROJECT BUDGET

As noted previously, this grant must be used to provide additional services and not merelyreplace existing services or supplant existing funding. No current salaries or benefits may befunded using grants provided by the AGO unless expressly and explicitly granted, in advanceand in writing, by the Committee. The Committee reserves the right to request a more detailedbudget prior to selection.

A. Total Project amount:

Salaries: $820,000.00Goods and Services (identify): $30,000.00

Administrative Overhead $80,000.00Advertising or Outreach $15,000.00

Travel: $5,000.00Total: $950,000.00

B. What percent of your total project budget does this funding request represent?94.7%

C. If the project will be funded in part from other sources, identify those sources andthe funding amounts.HUD Super NOFA; effective October 2011 – September 2012; $20,000Department of Financial Institutions funding extension July 2012 – Oct. 2012;$20,000Paul G Allen Foundation to partially fund the web portal implementation; $10,000

VI. PROJECT ADMINISTRATION

A. Identify within your organization who will be directly responsible for thefollowing project components: (a) administration, (b) fiscal, (c) service delivery.Attach a current resume for the agency director, and the lead project staff person,and a current agency organizational chart.(A) Jane Bloom(B) Marcia Noel(C) Marc Cote

B. Describe what steps your organization will take to ensure that the project willserve its intended purposes and be completed on time.This project expands on our well establish track record of service to Washingtonconsumers. We are committed to this service. The HOTLINE phone number willcontinue to be published in the pre-foreclosure notices. We have developed aninternal data management system that allows us to efficiently track referrals andcreate reports. We will continue to coordinate our services with the AttorneyGeneral’s Office, Department of Commerce, The State Housing Finance

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Commission, Northwest Justice Project, Columbia Legal Services, and the HUDapproved housing counseling agencies.

C. Describe how you plan to measure and evaluate the success of your project andinclude samples of evaluation tools if available.Project will be evaluated through periodic surveys administered to a sample ofthose served. We will administer surveys quarterly to a minimum of 10% of thoseserved in each of the following areas of the state; I-5 Corridor North, I-5 CorridorSouth, Peninsula, Central Corridor, Eastern Corridor. Surveys of consumers willbe done quarterly. We will design the surveys with input from the AttorneyGenerals Office, and the Department of Commerce to ensure that the informationis pertinent their concerns.We will begin interviewing and surveying consumers within three months ofcontract award.We will produce quarterly reports summarizing results and assessing successes.

VII. CERTIFICATION

I certify that I have the authority to submit this proposal, and that the information in this proposalis true and accurate. If my organization is faith-based, I understand that federal and state lawprohibit the use of public funds for religious worship, exercise, instruction or support of anyreligious establishment.http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htmhttp://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm

I understand that my organization will not receive reimbursement for any costs incurred inpreparing this proposal. If awarded funding, I understand that our proposal will be incorporatedinto the final contract.

Printed Name and Title: Jane E BloomSignature (by entering name here,form is electronically signed):

Jane E Bloom

Date: 6/23/2012

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http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htm

http://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm

Subject FY2012-13 Foreclosure Fairness Act Funding & RFQ

From Bill Conner

To Alex Kamaunu ([email protected]); Barbara Mascarin; Charlene Dahlen; Charlene Dahlen; Doreen Hogan; [email protected]; Jane Bloom; Julie Griffith ([email protected]); Kerri Rodkey; Kevin Gillette ([email protected]); Leslea Bowling; [email protected]; Marc Cote; Martha Viramontes; Natalie Hester ([email protected]); Roberta Marsh; Susan Ulaga; [email protected]

Cc Dee Taylor; Lisa DeBrock; Torrance, Richard (COM)

Sent Monday, June 18, 2012 1:46 PM

Attachments

2012 FFA ...

Hello everyone:

This morning we finalized our funding allocations for the Foreclosure Fairness Act (FFA) with the Department of Commerce. Based on projected funds for the next fiscal year starting July 1, 2012 and ending June 30, 2013 we will be contracting with each agency as follows:

Your contract will be extended on an individual counselor basis so that you will receive funding for a complete year for the new counselors you hired as part of the contract. For example, if you hired a counselor in September 2011 and they will still be working at your agency through the month of August 2012, or some portion thereof, we will extend your contract for the specific counselor’s monthly salary until the 12 month period expires or the counselor is no longer employed by your agency (if less than the 12 month period).

Once the 12 month period ends, the agency will be able to use funds from the pay-for-performance plan provided to you on June 13, 2012 by email. The new plan does notinclude a provision for monthly salaries.

You will need to complete the attached Request for Qualification (RFQ) to receive a new round of funding for the next 12 months, beginning July 1, 2012 and ending June 30, 2013.

All FFA salaried counselors will be paid on a pay-for-performance basis beginning on the first month after your extended contract expires.

1. For FFA salaried counselors who are still employed with your agency and you have not drawn down on their full 12 months’ salary in your current contract:

2. Counselors who have been receiving the “gap” funding, will also need to be included in the pay-for-performance RFQ.

Once we receive your completed RFQ, we will be able to let you know the amount of funding your agency will be allocated. The amount of funding per agency for the next contract will be allocated on the same formula we have used for 14+ years with all other grants. If funds are not used by one agency or additional funding is received, the allocations may be revised.

Many of you asked for a salary to be included with the pay-for-performance plan and higher amounts for the levels of counseling. Unfortunately, the projected amount of funding will not be available to meet your requests. The Department of Commerce anticipates funding for the next year will be about half of what we received for the first year. If additional funding becomes available, your contract may

FY2012-13 Foreclosure Fairness Act Funding & RFQFriday, June 29, 201210:05 AM

AG NMS RFP Page 1

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mailto:[email protected]

half of what we received for the first year. If additional funding becomes available, your contract may be adjusted accordingly.

You may also want to apply for funding from the Attorney General’s National Mortgage Settlement RFP. Here is a link to his website for more information: http://www.atg.wa.gov/NationalMortgageSettlement.aspx

Please feel free to contact Dee Taylor, if you have questions.

Dee TaylorDirector, Homeownership DivisionWashington State Housing Finance Commission1000 Second Avenue, Suite 2700Seattle, WA 98104-1046(206) 287-4414(206) 587-5113 (fax)[email protected]

AG NMS RFP Page 2

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http://www.atg.wa.gov/NationalMortgageSettlement.aspx

Attachment D-6: Hotline call volumes June 1, 2010 – April 30, 2012

0

200

400

600

800

1000

1200

1400

1600

1800

Jun

-10

Jul-

10

Au

g-1

0

Sep

-10

Oct

-10

No

v-1

0

De

c-1

0

Jan

-11

Feb

-11

Mar

-11

Ap

r-1

1

May

-11

Jun

-11

Jul-

11

Au

g-1

1

Sep

-11

Oct

-11

No

v-1

1

De

c-1

1

Jan

-12

Feb

-12

Mar

-12

Ap

r-1

2

Calls Handled

Cases Documented

Calls Referred by Servicer

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Attachment D-3: Geographical distribution of distressed property locations reported by callers to the

HOTLINE between July 1, 2011 and April 30, 2012.

Adams , 0.1%

Asotin , 0.1%

Benton , 1.1%

Chelan , 0.6%

Clallam , 0.9%

Clark , 4.7%

Cowlitz , 1.1%

Douglas , 0.3%

Ferry , 0.0%

Franklin ,

0.5% Garfield , 0.0%

Grant , 0.6%

Grays Harbor , 0.8%

Island , 1.1%

Jefferson , 0.9%

King, 30.8%

Kitsap , 3.1%

Kittitas , 0.6% Klickitat , 0.1%

Lewis , 1.2%

Lincoln , 0.0%

Mason , 1.0%

Okanogan , 0.2%

Pacific , 0.3%

Pend Oreille , 0.3%

Pierce , 16.8%

San Juan , 0.3%

Skagit , 2.4% Skamania , 0.0%

Snohomish , 16.0%

Spokane , 4.6%

Stevens , 0.2% Thurston ,

3.6%

Wahkiakum , 0.1%

Walla Walla , 0.5%

Whatcom , 2.4%

Whitman , 0.2%

Yakima , 2.5%

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Attachment D-4: Location of distressed properties reported by callers to the HOTLINE in 3rd Qtr. 2010

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11%

61%

28%

Hispanic Not Hispanic Chose not to Respond

2%

4%

5%

18%

1%

12%

58%

American Indian or Alaskan Native Asian

Black or African American Chose not to Respond

Native Hawaiian or Other Pacific Islander Other

White

45%

16% 8%

17%

14%

< 50% of AMI 50 - 79% of AMI

80 - 100% of AMI > 100% AMI

Did not Report Income

Attachment E-1: Demographic distribution of HOTLINE callers served between July 1, 2011 and April 30, 2012

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Chase (FL5-7734) PO BOX 4-4090 Jacksonville, FL 32231-4090

NOTICE OF PRE-FORECLOSURE OPTIONS

Account: Property Address:

JPMorgan Chase Bank, National Association ("Beneficiary") JPMorgao Chase Bank, N,A, (Chase) ("BcJlefiCiary'S Authorized Agent") 'Attention: Chase Natiooal McdiatiOllS Phone: 877-496-4872

Dear .

IMPORTANT RIGHTS FOR HOMEOWNERS

CHASE 0

February 6, 2012

You must respond within 30 days oltho date of this letter to tlke adventale of your rights.

IF YOU DO NOT RESPOND within 30 day. of the date of this letter, I notice of default mlY be issued and you may lose your home in foreclosure.

IF YOU ~ IlESPOND within 30 days of tlie date of this letter, you will have an additiOldl60 days to meet with your lender before a notice of default may be issued.

YOU SHOULD CONTACT A HOUSING COUNSELOR o'a ATTORNEY II 100II II possible. Failure to contld a bouling counselor or attorney may relult in you losing certain opportunities. luch as meeting with your lender or namap'",,! in mediation in front of a neutral third pW. A houDe couaselor or attemey can help you work with your lender to avoid fondonte.

MEDIATION may only be requested on your behalfhy a hOWline counselor or an attorney.

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SEEKING ASSISTANCE

Housing counselors and legal assistance may be available at little or no cost to you. !f you would like assistance in detenniDing your rights and opportunities to keep your house, you may contact the following:

• The statewide foreclosure hotline recOmmended by the Housing Finance Conunission: Toll-free: 877-894-HOME (877-894-4663) bttp:/lwww.dfi.wa.gov/consumersfhameoership/postJlui-chase..:wunseIors_foreclosure.htm

• United Slates Department of Housing and Urban Development (HUD): ToO-free: 800-569-4287 Local cOUD5eling agencies in Washin&ton: bttpllwww.hud.gov/officeslhsgfsfhlhccffcfindc:x.ctin?webListAction=search&sean;hstate=WA&filter Svc=dfc

• The statewide civil legal aid botline for assistance and referrals to other housing counselors and attorneys: Toll-free: 800-606-4819 http://nwjustice.orgfwhat-clear

RESPONDING WITHIN 30 DAYS

You havc the rigbt to request a meeting with a representative ofChaso. !fyou wish to do so, you (or a housing counselor or attorney on your behalf) must request a meeting with a representative of Chase by either:

I. Responding in writing to:

OR

Chase Attention: National Medianons (FL.5-72l8) 7301 Bayrneadows Way Jacksonville, FL 32256-6826

2. Calling: Chase National Mediations 877-496-4872

When you (or your housing counselor or attorney) respond, you should: • Indicate that you want to meet regarding the deIinqueneylforeclosure issues; • Provide current contact information; and • Include contact information for the attorney or housing counseling. if they will represent you at the

meeting.

Should you designate a housing counseling agency, housing counselor, or attorney to meet with Chase on your behalf, you must notify Chase that one of these parties will represent you and has authority to agree to a loan restructure or modification on your bebalf YOti must also provide your representativc's name and contact information.

To document your request, a written request for a meeting is reconunended. Your request may be sent by certified mail, return receipt requested, or equivalent private delivery ServIce. The request must be made within 30 days of the date of this Notice of Pre-Foreclosure Options or you will lose this right to have an additional 60 days to meet and try to resolve your delinquencyfforeclosure issues.

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DURING THE MEETING

If you request a meeting, Chase will scbeduIe a meeting between you and a repmentative before a Notice of Dcfiwlt is issued. A housing COIIIISelor or attorney may represent you at this meeting.

The pwpose of the meeting is to assess your financial ability to modify or restructure the loan obligation or consider other alternatives to foreclosure. Some possible outcomes of the meeting are:

A ~rary or permanent loan modific.uion; • An agreement to conduct a short saIc; • A dccd-in-Iieu of foreclosure transaction; • Some other workout pIan; or • No workout agreement.

Chase must have at least one "in-pcrson" representative at the meeting. In addition, a person authorized to modify the loan obligation or reach an aItcmativ.: resolution may also participate by plwne or video conference duriog the meeting with you.

If a meeting is requested you should be prepaRd to present information necessary to assess your finaru:ial ability to Du:et a modified or restructured loan obligation. A housing counselor or attorney may assist you in identifying and preparing the information necessary. as well as any other information that may be of assistance in rcaching an agreement. In general tenns such information will include:

• Current and future inClllM; • Debts and obligations; and

Tax rctums for the past two years.

FOLLOWING THE MEETING

The reprcscntativc(s) of Cbase and you or your reprcscntati\'e$ shan attempt to rcacb a resolution within 90 days from the date this letter was sent. If the meeting has taken place and an agreement mocIifyiDg the loan or an altcmativc resolution is DOt rcacbcd, Chase may issue a Notice of DcfiwIt 90 days following the date of this Notice, which begins the foreclosure process.

Sincerely,

Chase 877-496-4&72 800-582-OS42 TOO I Text Telephone www.chaso.com

An Important reminder for aU our customers: As atated in the "Questions IUd Answers Cor Borrowers Ibout the Homeowner Alfordability and Stability Plan" distributed by the ObamaAdministration, "Borrowers should beware of any orgBDization tbat attempts to charge a fee Cor bousing counseliDg or modificatioD of a delinquent loan, especially if they require 8 fee in advance." Loan modificatioo scams should be reported to PreventLoanScams.org, or by caUing 888·99S-HOPE. Chase offers loan modification assisMce Cree of charge (Le., DO modification fee required). Please call us immediately at 877496-4872 to discuss your options. The lODger you delay the Cewer OptiODI you may have.

We are a debt collector, and any information obtained wUl be Dsed for that purpose.

If you arc represented by an attorney, please refer this letter to your attorney and provide us with the attorney's DaII1I:, address, and telephone number.

To the enent your original obligation WI. discbarged, or is subject to an automatic stay of bankruptcy UDder Title II of the United States Code, this DOtice is for comp6ance andlor informational purposes

46-021


only and does not constitute m attempt to collect a debt or to impose personal liability for such ob/illtion.

BRIll

46-022

Attachment D-7: HOTLINE Consumer Data Fields CollectedField Name Description

Age Age of the caller

City City where the distressed property is located

County County where the distressed property is located

Dependents in Household Number of dependents that reside in the home

Disabled Does a person with disabilities reside in the home

Household Income

Household Type

Income Category HUD Income category

Individuals in Household Number of individuals residing in the home

Language Callers primary language

PITI at Intake Current houisng payment at time of call

Race Race of the caller

Address Street address of the distressed property

EthnicityGiven Callers ethnicity

Gender Callers gender

ZIP/Postal Code Zip code of the distessed property

2nd Mortgage Amount Amount of second mortgage

72-Hour Callback

Agreed to Media Coverage

ARM Type

Birthday

Created Date service was provided

Created By Counselor who served the caller

Current Servicer

CustomerID

Declined for HAMP

Caller was declined for Home Affordable Modification

Program

Default Notice Date

E-mail Address

First Name

Follow-up Email

Foreclosure Date and Time

Has a Second Mortgage

Home Buyer Educated

House Key Loan

HUD Counselor Involved

ID

Interest Only

Interest Rate Reset

Last Name

Loan Amount

Loan Status

Page 1 of 246-023

Attachment D-7: HOTLINE Consumer Data Fields CollectedField Name Description

Loan Type

Mediation Given Did the Counselor explain right to mediation to caller

Mediation Inquired Did the caller inquire about Mediation

Notes

On-Call Client Was the callers need urgent

On-Call Email

Was the caller referred to an On-call housing

counselor or attorney

On-Call Referral

Was the caller referred to an On-call housing

counselor or attorney

Original Lender

Original Loan Number

Pre-Foreclosure Notice Date

Pre-Purchase Counseled

Primary Phone

Privately Held

Reason for Call

Reason for Default

Received Default Notice

Received Pre-Foreclosure Notice

Referrals

Referred By

Requested Meeting with Lender Caller requested a meet & confer meeting

Secondary Phone

Send Follow-up E-mail

Servicer Loan Number

Servicer Referral Type

State/Province

Stated Property Value

VA or FHA Insured

Zillow Property Value

Page 2 of 246-024

Washington Homeownership Resource Center 17544 Midvale Ave N, Suite LL. Shoreline, WA 98133 PH: (877) 894-4663 FX: (877) 751-6382

Foreclosure Hotline On-Call Housing Counselor Protocol

1. WHRC hotline intake staff screens caller for an urgent need. Examples of urgent needs; a. Person has received a Notice of Pre-Foreclosure Options. (need to counsel on their right

to meet-and-confer and guide them on how to accomplish that. See attached information letter and instructions)

b. Person has received a Notice of Default. c. Caller has received a Notice of Trustee Sale and the sale is scheduled to occur within 3

weeks. Be aware that the TS may be scheduled for the next Friday. d. The caller reports that they have lost their home to foreclosure and are being evicted.

2. WHRC hotline intake staff collects pertinent information from the caller. 3. WHRC intake staff will do a live transfer of the call to your on-call housing counselor. If we

reach voicemail our hotline staff will leave a message stating that this is an on-call case. 4. WHRC intake staff will email the information we collected on the homeowner to your agency

immediately. We can send it in an excel spreadsheet if you want. 5. Agency counselor agrees to;

a. Acknowledge receipt of our email by replying to it. b. Talk with the homeowner the same day of the referral. c. Send us an email acknowledging one of the following dispositions: d. Accepted the case – agency will provide mortgage delinquency and default counseling

services. e. Rejected the case – tell why you rejected the case. f. Referred the case – tell us who the case was referred to.

6. Agency staff agrees to notify WHRC if they will not be available for on-call case on any given business day.

Agencies that wish to provide on-call counseling service must provide us with the following:

Phone number to call to hot transfer callers to your on-call- counselor Email address to send the homeowner data Days and times that you will have an on-call counselor available Names of on-call counselors will be helpful as well.

46-025

Subject Washington Homeownership Resource Center Follow-Up

From [email protected]

To [email protected]

Sent Thursday, June 28, 2012 2:56 PM

Attachments

Request fo...

Brian

Thank you for contacting the Washington Homeownership Resource Center. We

are a 501(c) 3, nonprofit agency, registered in the State of Washington. We are

NOT affiliated with any bank, lender, real estate broker, real estate agent or

government agency. Our mission is to increase and preserve homeownership

for low and moderate-income individuals and families throughout Washington

State.

Important

We recommend that you respond to the Notice of Pre-Foreclosure Options

within 30 days of receiving the letter. If you do not respond to the Notice before

the 30 days are exhausted your lender may proceed with foreclosure actions.

Sometimes the lender's mail service is slow and the dates provided to you

within the letter are not correct. To combat this, we suggest you keep all

envelopes you receive to show the timestamp provided by the US Postal Service

to prove the date in which you actually received the NOPFO letter.

1. Department of Commerce

http://www.commerce.wa.gov/site/1367/default.aspx

2. Washington Law Help

http://www.washingtonlawhelp.org/documents/4993016212EN.pdf?

stateabbrev=/WA/

Please visit the following websites below to get additional information about the

Notice of Pre-Foreclosure Options and the responsibilities and requirements

from both you and your lender/servicer.

During our conversation we talked about 3 counseling and/or attorney agencies

you can contact in order to help with your situation. Please feel free to contact

all 3 agencies but choose one to work with in order to prevent confusion.

These agencies do not not charge you for their services, however some third-

party costs may be charged, such as credit reports, and they can take up to 3

days to get in touch with you.

• Apprisen Financial Advocates

• (800) 355-2227

• http://www.apprisen.com

• Clearpoint Financial Solutions

• (877) 877-1995 x4

• http://www.clearpointfinancialsolutions.org

• El Centro de la Raza

Washington Homeownership Resource Center Follow-UpFriday, June 29, 20129:54 AM

AG NMS RFP Page 1

46-026


http://www.commerce.wa.gov/site/1367/default.aspx

http://www.washingtonlawhelp.org/documents/4993016212EN.pdf?stateabbrev=/WA/


http://www.apprisen.com

http://www.clearpointfinancialsolutions.org

• El Centro de la Raza

• (206) 957-4639

• http://www.elcentrodelaraza.org

It is up to you to decide which agency you would like to work with. Typically we

suggest that you work with whichever agency gets back to you first.


http://www.commerce.wa.gov/site1467/default.aspx



stateabbrev=/WA/

Washington State has a law to help with individuals who are significatly behind

on their mortgage. The law is called the Foreclosure Fairness Act which you can

get more information from the following websites:

1. If you haven't called your lender to request a "meet and confer" we suggest

you do so now.

The number for your lender should be included in the Notice of Pre-

Foreclosure Options letter you received.

2. Record the date and time of your call to the lender as well as the First and

Last name as well as their ID number of the individual you spoke with on

the phone.

3. Tell the agency that you call that you are responding to the Notice of Pre-

Foreclosure Options you have received and you would like a meeting to

talk about your situation. Please ask the agency to make a note of your call

and that you are requesting a meet and confer meeting with your lender.

4. We recommend that you do not schedule the meet and confer meeting with

your lender until after you have spoken with a housing counselor. The

housing counselor may be able to assist you in the processes and provide

crucial information that will help you negotiate with your lender.

Because you have already received your Notice of Pre-Foreclosure Options we

suggest you take the following actions:

Attached is a sample letter you can use to request your meet and confer

meeting with your lender. We highly suggest that you send this letter to your

lender via certified mail and keep the returned green card that shows the lender

has infact recieved your request.

1. Washington Homeownership Resource Center

http://www.homeownership-wa.org

2. Washington State Department of Financial Institutions (DFI)

http://www.dfi.wa.gov/consumers/homeownership/

3. Short Sale Advisory - DFI

http://www.dfi.wa.gov/consumers/education/home/short-sales.htm

4. Loan Scams and How to Avoid Them

http://www.loanscamalert.org

If you would like more information about Foreclosure prevention, please take a

look at the following websites:

Again, thank you for contacting us.

Junlei

Intake & Referral Specialist

Washington Homeownership Resource Center

Toll Free: 1 (877) 894-4663

AG NMS RFP Page 2

46-027

http://www.elcentrodelaraza.org









Subject Washington Homeownership Resource Center Follow-Up

From [email protected]

To [email protected]

Sent Monday, June 18, 2012 12:20 PM

Ted

Thank you for contacting the Washington Homeownership Resource Center. We

are a 501(c) 3, nonprofit agency, registered in the State of Washington. We are

NOT affiliated with any bank, lender, real estate broker, real estate agent or

government agency. Our mission is to increase and preserve homeownership

for low and moderate-income individuals and families throughout Washington

State.

During our conversation we talked about 3 counseling and/or attorney agencies

you can contact in order to help with your situation. Please feel free to contact

all 3 agencies but choose one to work with in order to prevent confusion.

These agencies do not not charge you for their services, however some third-

party costs may be charged, such as credit reports, and they can take up to 3

days to get in touch with you.

• Spokane Neighborhood Action Programs

• (509) 456-7106

• http://www.snapwa.org

• Money Management International

• (800) 308-2227

• http://www.management.org

• Rural Resources Community Action

• (509) 685-6179

• http://www.ruralresources.org

It is up to you to decide which agency you would like to work with. Typically we

suggest that you work with whichever agency gets back to you first.





stateabbrev=/WA/

Washington State has a law to help with individuals who are significatly behind

on their mortgage. The law is called the Foreclosure Fairness Act which you can

get more information from the following websites:

1. Washington Homeownership Resource Center


2. Washington State Department of Financial Institutions (DFI)


3. Short Sale Advisory - DFI


4. Loan Scams and How to Avoid Them


If you would like more information about Foreclosure prevention, please take a

look at the following websites:

Washington Homeownership Resource Center Follow-UpFriday, June 29, 201210:00 AM

AG NMS RFP Page 1

46-028


http://www.snapwa.org

http://www.management.org

http://www.ruralresources.org









Again, thank you for contacting us.

Amy

Intake & Referral Specialist

Washington Homeownership Resource Center

Toll Free: 1 (877) 894-4663

AG NMS RFP Page 2

46-029



How the WHRC secure web portal works

Consumers create a profile on the WHRC website and set a private password to access their account.

The consumer then has a secure workspace that they can access anytime. Once in the workspace the

consumer provides information about their issue by filling out a series of electronic forms. The

information is stored in an encrypted database on the WHRC webserver. The consumer may request

services from housing counselors that have WHRC accounts by submitting an electronic request form.

Once the form is submitted the consumers request will be placed in an electronic queue and an email

notification will be sent to the housing counseling agencies that serve the consumers geographical area.

A housing counselor can accept the consumers request for service by clicking a link in the notification

email. Once a housing counselor accepts the request the consumer and counselor are electronically

paired and can share information. Either party may sever the connection at any time.

Attachment H-1: Conceptual description of the secure web portal.

46-030

ti King County

Community Services Division Housing and Community Development Department of Community and Human Services

401 S'b Avenue. Suite SIO Seattle. W A 98104

206-263-9033 FAX: 206-296-0229 lTY Relay: 711

Consumer Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188

Attention: Rich Zwicker, Paralegal

Dear Washington Consumer Foreclosure Remedies Fund Committee:

June 26, 2012

Please accept this letter of support for the proposal submitted by the Washington Homeownership Resource Center, requesting funding to preserve and grow the Washington State Homeownership Information Hotline ("Hotline").

The statewide Hotline educates Washington homeowners on their rights under the Foreclosure Fairness Act and connects them with HUD approved housing counselors, legal aid attorneys, and other professional services necessary to resolve their mortgage default issues.

Funding to expand the Hotline will provide more homeowners in King County and across the state with their essential first-step to preventing unnecessary foreclosures.

Thank you for your consideration.

Sincerely,

~~c/L---j Cheryl Markham Program Manager

46-031

Washington Asset Building Coalition P.O. Box 3831 Seattle, Washington 98124

6/29/2012 Consumer Protection Division Washington State Attorney General’s Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188 Attention: Rich Zwicker, Paralegal Letter of Support for Funding the Washington Homeownership Resource Center’s Homeownership Information Hotline Dear Washington Consumer Foreclosure Remedies Fund Committee: Please accept this letter of support for the proposal submitted by the Washington Homeownership Resource Center, requesting funding to preserve and grow the Washington State Homeownership Information Hotline (“Hotline”). The statewide Hotline educates Washington homeowners on their rights under the Foreclosure Fairness Act and connects them with HUD approved housing counselors, legal aid attorneys, and other professional services necessary to resolve their mortgage default issues. Sustaining the Hotline by funding their program will provide Washington homeowners with their essential first-step to preventing unnecessary foreclosures. Thank you for your consideration. Sincerely,

Stephanie Bowman Executive Director Washington Asset Building Coalition

46-032

® Urban league of - Metropolitan Seattle

105 14th Ave Seattle, Washington 98122

612212012

Consumer Protection Division Washington State Attorney General's Office 800 Fifth A venue, Suite 2000 Seattle, Washington 98104-3188


Letter of Support for Funding the Washington Homeownership Resource Center's Homeownership Information Hotline




Sustaining the Hotline by funding their program will provide Washington homeowners with their essential first-step to preventing unnecessary foreclosures.

Th you for your consideration.

Lmda Taylor Housing Director

46-033

June 28th, 2012 Consumer Protection Division Washington State Attorney General’s Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188 Attention: Rich Zwicker, Paralegal Reason: Letter of Support for Funding the Washington Homeownership Resource Center’s Homeownership Information Hotline Washington Consumer Foreclosure Remedies Fund Committee: Please accept this letter of support for the proposal submitted by the Washington Homeownership Resource Center. The Center is requesting funding to grow the Washington State Homeownership Information Hotline (“Hotline”). The statewide Hotline educates Washington homeowners on their rights under the Foreclosure Fairness Act and connects them with HUD approved housing counselors, legal aid attorneys, and other professional services necessary to resolve their mortgage default issues. Funds from the National Mortgage Settlement will be used to maintain the HOTLINE for three years and will also be used to; 1. Provide enhanced tracking of referrals; 2. Provide opportunities for periodic follow-‐up with consumers to measure the effectiveness of services and track outcomes, and 3. Implement a secure web portal that will facilitate communication and document exchange between consumers and service providers. Sustaining the Hotline and expanding its reach will provide Washington homeowners with essential first-‐step services that will help to prevent unnecessary foreclosures. Thank you for your consideration. Sincerely, Rachael Myers, Executive Director Washington Low Income Housing Alliance

Washington Low Income Housing Alliance 1411 Fourth Avenue, Suite 850

Seattle, WA 98101 www.wliha.org

46-034

________________________________________________________________________________________

2524 16th Avenue South, Ste. 300. • Seattle, WA 98144 • (206) 323-1227 • [email protected] • www.homesteadclt.org

6/26/2012 Consumer Protection Division Washington State Attorney General’s Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188 Attention: Rich Zwicker, Paralegal Letter of Support for Funding the Washington Homeownership Resource Center’s Homeownership Information Hotline Dear Washington Consumer Foreclosure Remedies Fund Committee: Please accept this letter of support for the proposal submitted by the Washington Homeownership Resource Center, requesting funding to preserve and grow the Washington State Homeownership Information Hotline (“Hotline”). The statewide Hotline educates Washington homeowners on their rights under the Foreclosure Fairness Act and connects them with HUD approved housing counselors, legal aid attorneys, and other professional services necessary to resolve their mortgage default issues. Sustaining the Hotline by funding their program will provide Washington homeowners with their essential first-step to preventing unnecessary foreclosures. Thank you for your consideration. Sincerely,

Sheldon Cooper Executive Director

46-035

FAMILY FINANCE RESOURCE CENTER A Non-profit Community Development Corporation

Empowering Citizens and Developing Community Assets/or the Future 1201 Commerce Ave., Longview, WA 98632 360.423.9197

www.HomeownerSolutions.org





We are in full support of the application by Parkview Services for the Homcownership Information Hotline as part of the National Mortgage Settlement funds administered by the Washington State Attorney General's Consumer Protection Division.

The Family Finance Resource Center has worked directly with Parkview Services and the Washington Homeownership Center as a referral organization for foreclosure intervention counseling services. They are a professional and eHiecient organization to work with an exhibit compassion with the homeowners they help.

The Washington Homeownership Center infoTI11ation hotline has been a critical partner to provide direction to homeowners facing foreclosure in Washington State. They have referred over 700 clients to our service while acting as a Statewide resource for guiding homeowners to community based organizations.

We embrace the 0ppOliunity to work with Parkview Services and the Washington Homeownership Center lnfonnation Hotline as they continue to help direct homeowners facing foreclosure.

Respectfully,

!Y2-Executive Director Family Finance Resource Center

46-036

Programs & Services

With over 24,000 volunteer hours, El Centro de la Raza serves 22,884 individuals and 9,673 families annually through the following programs and services:

Luis Alfonso Velasquez Flores After School Program Basic Healthcare Enrollment Cafe con El Centro College Readiness Crisis Advocacy ECR Transitional Housing El Patio Apartments ESL & Citizenship Classes Eviction Prevention Financial Literacy Food Bank Foreclosure Prevention Homeless Assistance Program Homeownership Program Hope for Youth Poetry & Civil Rights History Classes Bebes-Infant Mortality Prevention Jose Marti Child Development Center Juvenile Justice Policy/ Advocacy Parent Involvement & Education Latino Hot Meal Program Youth Violence Prevention Senior Nutrition & Well ness Senior Home Delivered Meals Veteran's Services Legal Clinic Site Tax Preparation Site Local, State, National & International Coalition Building Immigrant/ Human/Civil Rights Social Justice Advocacy Cultural/Political/ Social Events Community Service Site Service Learning Site Community Meeting Space

I .~

June 27, 2012

Rich Zwicker Consumer Protection Division

The Center for People of All Races

A voice and a hub for the Latino community as we advocate on behalf of our people

and work to achieve social justice.

Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000

Seattle, Washington 98104-3188


Estimado Washington Consumer Foreclosure Remedies Fund Committee,

Please accept this letter of support for the proposal submitted by the Washington Homeownership Resource Center, requesting funding to preserve and grow the Washington State Homeownership Information Hotline (Hotline).




Respetuosamente,

4~ Estela Ortega Executive Directo

Community Action Agency - United Way Agency - Affiliate of National Council of La Raza 2524 16th Avenue South, Seattle, WA 98144 - (206) 957-4605 tel- (206) 329-0786 fax

www.eicentrodelaraza.org 501(c)3 Nonprofit Tax ID: 91-0899927 46-037

solid d groun Building community to end poverty

June 26, 2012

Consumer Protection Division

1501 North 45th Street Seattle, WA 98103-6708

Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188


PHONE 206.694.6700 FAX 206.694.6777 TTY 7.1.1

EMAIL [email protected] WEB solid-ground.org

RE: Letter of Support for Funding the Washington Homeownership Resource Center's Homeownership Information Hotline



The statewide Hotline educates Washington homeowners on their rights under the Foreclosure Fairness Act and connects them with agencies like Solid Ground that provide HUD approved housing counseling services for households facing foreclosure.

Sustaining the Hotline by funding their program will provide Washington homeowners with their essential first-step to preventing unnecessary foreclosures. Solid Ground's Mortgage Counseling program relies on the Washington Homeownership Resource Center to direct households to our services when they most need them.


Sincerely,

Ruth Massinga Interim Executive Director Solid Ground

46-038

6/28/2012






The statewide Hotline educates Washington homeowners on their rights under the Foreclosure Fairness Act and connects them with HUD approved housing counselors, legal aid attorneys, and other professional services necessary to resolve their mortgage defaul tissues.



,rtha Viramontes Director of Housing Counseling

6055 East Washington Boulevard Suite 390 Los Angeles, CA 90040-2483 Fax: 323.890.9589 Toll Free: 877.877.1995 www.ClearPointCCS.org 46-039

5117 Ra r e ' Ave S Seattle WA 98 11 8

P 206 760.4200 F 20676042 10 oN ,', N HomeSightWA.v 'g

June 26, 201 2 'reating Homeowners.

Consumer Protection Division Washington State Attorney Genera l' s Office 800 Fifth A venue. Suite 2000 Seattle. Washington 981 04-3 188

Attention: Rich Zwicker. Para lega l

Building Communities




The statewide Hotline educates Washington homeowners on their rights under the Foreclosure Fairness Act and COlmects them with HUD approved housing counselors, legal aid attorneys, and other professional services necessary to resolve their mortgage default issues . The funding provided to the Homeownership Information Hotline by the grant means that more Foreclosure Fairness Act funds can fund direct housing counseling serVIces.

Sustaining the Hotline by funding their program will provide Washington homeowners wi th their essential first-step to preventing lIlmecessary foreclosures.


Sincerely. P;::r Tom Jacobi Deputy Director

/:'-. ~ NelghborWorks'

C H AR' E. IH . D MEMUER 46-040

Washington State Housing Resource Center Organization Chart

Board of Directors

Executive Director Executive Assistant

Homeownership DirectorMarketing Director Finance Director

Hotline

46-041

Marcia A. Noel

PO Box 994

Edmonds, WA 98020

RESUME

Work History

Feb 2010 – Present: Director of Finance, Parkview Services, Inc.

2000-2010: Self Employed, BusinessKeeping, Inc. QuickBooks consulting and

contract accounting. Largest client was Parkview Services – was their Contract

Accountant for this time period and handled all accounting for the organization.

1997 – 2000: Controller, Stylus Paper and Pen, University Village

Education

Bachelor of Science in Business Management, Minor in Accounting. Mesa College,

Grand Junction, Colorado.

Master of Business Administration, Executive Program, University of Washington

46-042

Marc G. Coté, M.S.E.E. Employment

2009 -Present WA Homeownership Resource Center, Shoreline, Washington, Programs Director, Directs the WA State Homeownership Information Hotline. The program has supported over 35,000 distressed homeowners since June 2009.

2004 -Present Parkview Services, Seattle, Washington, Homeownership Programs Director, Researched and developed an effective foreclosure intervention and default counseling program. Researched and developed successful homeownership program that helps people with disabilities purchase homes in the communities they choose. The program has supported 173 people in 62 households to purchase homes between January 2006 and January 2011.

1998 – 2004 Parkview Services, Seattle, Washington, Counselor Supported group home client activities, and daily tasks. Managed finances and coordinated medical services. Developed a MS-Access database that tracked and reported client services.

1997-1998 United Cerebral Palsy, Shoreline, Washington, Certified Nursing Assistant Client Support.

1995-1997 Swedish Medical Center Home Helpers, Seattle, Washington, Personal Care Aide Served disabled and terminally ill people in their homes.

1984-1995 US Air Force Rome Laboratory, Lexington, Massachusetts, Research Engineer Held Senior Engineer position in a group responsible for advancing electromagnetic science.

Awards

2011 Washington State Housing Finance Commission’s Friend of Housing Award recipient for contributions to the advancement of affordable housing and services to the residents of WA State.

2011 Korean American Bar Association’s Community Service Award recipient

Education NeighborWorks Center for Homeownership Education and Counseling (NCHEC) Certified Housing Counselor

NCHEC Certified Foreclosure Intervention and Default Housing Counselor

WA State Housing Finance Commission Homebuyer Education Instructor

University of Maine, Master of Science in Electrical Engineering

46-043

1

JANE ELISE BLOOM 24323 Timber Lane Woodway, WA 98020 Cell: 425-299-6020 Email: [email protected] OBJECTIVE: To use my extensive experience and skills in the area of administration, supervision, contracting, policy and procedures, financial management, community and program development to improve the lives of children, families , seniors and individuals with challenges. EXPERIENCE June 2006-Present: EXECUTIVE DIRECTOR, Parkview Services and The Washington Homeownership Resource Center (WHRC), Shoreline, Washington -Administering two nonprofit organizations: Parkview Services, a 2.3M dollar organization providing affordable housing for people with developmental disabilities inclusive of 53 properties; the largest default counseling and intervention program for homeowners in crisis in the State of Washington; and first time homeownership opportunities for people living with a disability. The Washington Homeownership Resource Center provides the statewide call center and hotline for people in crisis with their mortgages receiving up to 3,000 calls per month and people looking to become first time homebuyers. -Analyze long terms capital needs assessments of properties -Operation of licensed boarding home for six individuals with developmental disabilities -Oversight of Fidelity investment funds -Budgeting, financial management, policy development, implementation of new programs and services, government relations, working with two boards of directors -Supervision of a management team of six -Human Resources November 2005-2006: ADMINISTRATOR, Spiritwood at Pine Lake Assisted Living and Memory Care, Pine Lake Plateau, Issaquah, Washington.

Set up Welcome Center, furnished, installed computers, and opened to public. Accomplished 50% Lease Up on property under construction in three months. Hired Leadership Team of eight Hosted Job Fair to hire all direct service staff Joined two Chambers’ of Commerce; liaison with local churches to encourage referrals to this

faith based Assisted Living community. Worked as a liaison between management company, Spiritwood Board of Directors; Developer;

Architect; and Construction Company. Moved new team into building and set up for operations Development and execution of monthly marketing plan. Preparation for initial State survey and Licensing

June 2004-September 2005: EXECUTIVE DIRECTOR, SUNRISE ASSISTED LIVING OF EDMONDS, Edmonds, Washington.

Pre sold community to future residents while community was under construction. Liaised with contractors

46-044


2

Hired full management team Preparation for initial; state survey and licensing Hosted Job Fair to hire all staff Hosted “VIP” event prior to opening day Administered community as a retirement home prior to licensing Brought community to 70% occupancy in 10 months Achieved 93% on first QSR; 100% on Sarbanes Oxley audit; 100% on initial customer satisfaction

survey 1996-2002: TRIBUNAL MEMBER: CHILDREN’S COMMISSION OF BRITISH COLUMBIA, VICTORIA, B.C.

Conducted semi judicial hearings to address the breaches of rights of children in care of the government or children receiving government services.

Chaired culturally appropriate First Nations and Metis hearings. Expertly provided information on special needs children and children with autism at Commission

trainings. September 1998-December 2001: EXECUTIVE DIRECTOR, B.C. CENTER FOR ABILITY, VANCOUVER, B.C. and CONSULTING EXECUTIVE DIRECTOR, Step by Step Child Development Society.

Administered pediatric rehabilitation services for children 0-5 years old with autism, cerebral palsy and other developmental and physical challenges..

Negotiated with Provincial Government for funding. Lobbied provincially for increased funding for waitlist services. Implemented new program for brain injured adults and employment mentoring Managed $7 million budget Restructured service delivery model to address waitlist

September 1993-September 1998: EXECUTIVE DIRECTOR, SALT SPRING ISLAND COMMUNITY SERVICES, SALT SPRING ISLAND, BRITISH COLUMBIA.

Developed and negotiated funding for new programs including child mental health; Community Action Program for Children (federal); Teen Shelter; dual diagnosis residential services with government funded down payment for a house.

Raised $25,000 for 20 foot Climbing Wall. Chaired mental health and child service multidisciplinary committees. Increased counseling services; Food Bank; and Christmas Bank revenue. Brought on Robert Bateman, Famous Wildlife Artist, as a donor

EDUCATION: University of Oregon, Eugene, Oregon. Bachelor of Science, Sociology Certificate, Women’s Studies.; completion of coursework for Masters in Criminology, British Columbia Community and Volunteer Involvement Canada America Society, Past President Executive Women’s Golf Association Foundation, Former Board Member Rotary Club of Edmonds, WA, Former Treasurer Director of Disability Organizations, Executive Member Foster Parent of 55 children over 12 years to children with high risk behavior and/or special needs

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APPLICATION FOR FUNDS FOR PROJECT TO HELP …... · Attorney General Cypres Grant Sept. 2011 - Aug....

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Transcript of APPLICATION FOR FUNDS FOR PROJECT TO HELP …... · Attorney General Cypres Grant Sept. 2011 - Aug....