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R E S 0 L U T I0 N
N0.0 6 -152
OFTHE BOARDOFSUPERVISORSOFTHECOUNTY OFNEVADA
A RESOLUTION AUTHORIZFNG THE SUBMITTAL OF AN APPLICATION TO THE
CALIFORNIA STATE DEPARTMENT OFHOUSING Ar COMM UNITY
DEVELOPMENTFOR FUNDING UNDER THE HOME INVESTMENT PARTNERSHVS
PROGRAM IN THE AM OUNT OF $800,000;AhlD IF SELECTED,THE EXECUTION OFA
STAN DARD AGREEM ENT,AN'Y AM ENFDMENTS THERETOSAND OF ANW RELATED
DOCUM ENTSNECESSARY TO PARTICIPATE IN THE HOME IW ESTM ENT
PARTNERSHPS PROGRAM .
WHEREAS,theCaliforniaDepartmentofHousingandCommunityDevelopment(the
trepartment''
)isauthorizedtoallocateHOMElnvestmentPartnershipsProgram (k
ç
HOME''
)
fundsmadeavailablefrom theU.S.Depart
mentofHousingandUrbanDevelopment($k
HUD''
).
HOME fundsaretobeused forthepurposessetforthinTitle11oftheCranston-Gortzalez
NationalAffordableHousingActof1990,in federalimplementingregulationssetforthin Title
24 oftheCodeofFederalRegulations,pa1492,and inTitle25oftheCaliforniaCodeof
Regulationscommencingwith section 8200;and
W HEREAS,theDepartmentissueda2005NoticeofFundingAvailabilityannouncingthe
avai
labilityoffundsundertheHOME program (theLS
NOFA'
')onNovember23,2005'
,and
W HEREAS,in responseto the2005NOFA,theCountyofNevada,asubdivision ofthe
StateofCalifomia,(theç'
Applicanf'),wishestoapplytotheDepartmentfor,andreceivean
allocation of,HOME funds.
NOW THEREFORE BEIT RESOLVED THAT:
ln responsetothe2005NOFA,theCountywishestosubmitan application tothe
Departmenttoparticipatein theHOME program foran allocation offundsnottoexceed
EightHundredThousandDollars($800,000)tooperateacountywidefrsttime
homebuyerprogram in theunincorporatedareasofNevadaCounty.
2.
Iftheapplicationforfundingisapproved,NevadaCounty hereby agreestousethe
HOM E fundsforeligibleactivitiespresentedin itsapplication asapproved by the
Departmentinaccordancewith thestatutesandregulationscited above.
TheCountyofNevadaauthorizestheChairoftheBoard ofSupervisors,to signthe
application package,and iftheapplicationisapproved,executetheStandardAgreement
andany amendmentstheretoatasubsequentBoard ofSupervisorsmeeting.TheCotmty
ofNevadaauthorizesthePlanning Director,orhisdesignee,to signallotherdocuments
required bytheDepartmentforparticipationintheHOME Progrnm.
PASSED AM l ADOPTED by theBoard ofSupervisorsofthe County ofNevada ataregular
meeting ofsaid Board,held on the 11th day of Apri1
, 2006 by the following
voteofsaidBoard:
Ayes:Supervisors Nate Beason, Sue Horne, John Spencer,
Robin Sutherland & Ted S. Owens.
Noes:
None.
CATHY R..',F
l.e'' MPSON ,' '''.
;
.J
.
Clerkof. t
eti
ardofSuèl
wso#
By:
None.
Absent:
ATTEST:
-
'
Abstain:
,
None.
'
Nathan H. Beason lr
DATE
04 11 06
COPIESSENTTO
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NEVADA COUNTY2005HOM E APPLICATION
TABLEOFCONTENTS
@
ORIGIN
AL
Item
PartA
Sections1-6
Pa e#
1
1
Section7(Resolution
Section8(Certification&commit
mentofResonsi
bili
6& 8
6
ExhibitA-1:A licantChecklist
PartB
Section 1(Pro am Activit
Section2(Pro am Descrition
Section3(Pro nm Team
11
11
12
Section5-'Section7(Program Performance,PriorExperience,&
13
Section8(Pro am Feasibilit
ExhibitB2tpriorEx erienceSamePro am
ExhibitB3tpriorEx erience:OtherPro nms)
Exhibit84(Pro am GuidèlinesChecklists
13
15
16
17
Section 4 Pro nm ServiceArea
Pro am Communit Need
SectionA
SectionB
2006NevadaCountyFirstTimeHomebuyerPrpgram
Guidelines
*
ExhibitB5(FirstTimeHomebu erPro am Feasi
bilit
Attachment1
@
10
11
13
18
19
21
41
43A
californiaDepadmentofHousingandCommunityDevelopment
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HOME Investm entPartnerships Program
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Applicant
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Name:CountyOfNevada,Housing Division
Address'
.950 MaiduAvenue
city:Nevad-aCity
Zipcode:
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County:Nevada
EntityType: O cHl)o
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0*Mr.
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FirstName:Nate
MI:
LastName:Beason
JobTitle:Chair,Coun BoardofSupervisors
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Phone:(530)265-1480
Ext:
E-mailaddressnate.beason@co.nevada.ca.us
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O Mr. O Mrs. @ Ms. Q Other
FirstName:Nina
JobTitle Manager,HousingDivision
Address:950MaiduAvenue
MI:
city:NevadaCity
Phone:(530)2
-65-7256
LastName:Bigley
ZipCode:
Ext:
95959
Fax:(530)265-9854
Email:nina.biIe co.nevada.ca.us
HOMESummar
yAppl
i
cat
i
on(
Rev.7/
2005)
t1
)
@
A. Activity
APPLICAT
PjIjA:UMMARY
@
B. CensusTract#,Rural C.ActlvityFunds D.Administration
Amount
Amount
Only(SeeNote1)
(SeeNote2)
(SeeNote3)
E. ActivityTotal
(SeeNote4)
Programs
Owner-occupiedRehabilivtionProgram
$:x
RentalRehabilftationand/orAcquisitionProgram
.
Tenant-BasedRentnlAssistanceProgram
FirstximeHomebuyerProgram (includingIn5llNew
Cohstruction)
$c.cc
$().()0
dcox Rural
$800,000.00
AmericanDream First-TimeHomebuyerProgram -
StateRecipientApplicantsOnly
$0.00
AmericanDream First-TimeHomebuyerProgramPl/consortiumApplicantsOnly
Total:
N/A
780000.00
20000.00
80000 .00
1.Completethissectiononlyifyouractivityislocatedinaruralarea.TheDepartmentreservestherighttoassignzeroruralpointsifacensustractisnotlisted.
2.ThisisforActivityfunds.ThisnumberincludesAçtivityipliveryamounts.(ActivityDelive!yfundsarenotIistedseparatelyonthisform.)Donotinclude
Administrativefunds/cldDo Operationsfundsinthiscolumi.DbnotenterlnformatlonIntl#scolumn.lnstead.enterlnformattonInColumn*
3.AIIapplicantsmayrequestupto2.5% ofthetotalapplicationamountforAdministrativefunds(forStateRecipientapplicantslvorCHDO Operations(forCHDO
applicants).TBRAapplicantsmayrequestuptoanadditiùnal12% ofthetotatapplicationamountforadministratipn,foratotalof14.5% forAdministration.Donot
enterInformationlntlgscolumn.lnstead.enterlnformatlonInColumn-E
4.Sum of''ActivityFundsAmounteand VdministrationAmount*.EnterthetotalamountreJllesfedbvact/vffFInthlscolumn.andcolumnsCandD
wlllautomalculate.
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CM,'
HOMFSlimmaNAnnl
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Proposed OtherFunding Total
py
HOMESummaryApplication(Rev.7/2005)
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C.
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Total
Assisted Units Units
D.
yarget
Populationj
.
Owner-occu iedRehabilitationPro ram
RentalRehabilitationand/orAcuisitionPro ram
Tenant-BasedRentalAssistancePro ram
First-TimeHomebuyerProgram2
j()
j()
From thelistinTable VI,enterthedesignated numberforanytargetpopulationsthatwillbeserved byyour
project.
2 ThisincludestheAmericanDream progàam
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HOMESummaryApplication(Rev.7/2008)
&
PART A
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HOMESummar
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PART A
Appl
ication Summary(continued)
Section VII. Governing Board Resolution
An executed resolution mustbeincludedwitheveryapplicationsubmitted tothe Departmentno
Iaterthantheapplicationdeadline.Theresolutionmustauthorize:
* submittalofthe application and the executionofthe HOME Standard Agreement'
,
. theacti
vitylies)bei
ngproposed i
ntheappli
cati
on;
* the amountofHOME funds being requested'
,and
. signature authorityforHOME documents.
A sample resolution is included foryour use as ExhibitA2.W e suggest you either use this
resolution orincorporate aIIelements ofthe sample into yourown resolution puton organization
jeuerhead.The resolution should be dated afterthe issuance date ofthe 2005 Program NOFA,
and should reference the 2005 NOFA.Please note thatthis resolution has been revised to
speci
fically include the HOME Award amount($)which is a mandatory elementofthe
resolution.Theresol
uti
onal
soi
denti
fiestheposi
ti
onts)thatwillbeauthori
zedtosignreportsand
drawdown requests.The person attesting to the validity ofthe resolution cannot be the same
individualas the one granted the authority in the resolution. lf the application is subm itted
unsigned, or signed by someone other than the individualauthorized in the resolution,the
Departmentmay,i
ni
tssoledi
screti
on,rejectthe appli
cati
on.
ection VIII.ApplicantCertification and Comm itm entofResponsibility
Asthe officialdesignated by the governing body,1herebycertifythatifapproved bythe
oepartmentforaHOME fundingallocationoranAmericanDream fundingallocationthe County
ofNevada assumesthe responsibilitiesspecified in the HOME regulationsand certifies that:
ltpossesses the Iegalauthority to apply forthe allocation and to execute the proposed
program orproject;
2.
lt has resolved any audit findings for prior Department orfederally funded housing or
communi
ty devel
opmentprojects or programs to the sati
sfacti
on ofthe Departmentor
federalagencybyWhichthe finding was made:
3.
Itisnotcurrentlysuspendedordebarredfrom receivingfederalfunds'
,
ltis currently in compliance with the subm ittalrequirements ofOffice ofManagementand
BudgetcircularA-133,pursuantto the Single AuditActof1984,P.L.98-502,and the
single AuditActamendmentsof1996,P.L.104-156.
,
5.
@
There are no pending Iawsuits thatwould impactthe implementation ofthis program or
project.
XC'
6.
lt will follow the State Relocation Plan and the federal Uniform Relocation Act
requirements.
@. I
twi
llcomplywi
thaIstatutesandregul
ati
onsgoverningtheHOMEProgra. / j
8.
9.
Itwillcomplywith State and Federalrequirements'
,
lthasstaffavailableorhascommittedto hiringstaffabletooperatea IocalHOME program
orprojectandoverseetheworkofanadmi
nistrati
vesubcontractor,ifany;
10. Itwilluse HOME funds as grants solely forrelocation,activity delivery,Iead based paint
m itigationcosts,andTenantBased RentalAssistance.
If a CHDO, that it is currently certified or that it has submitted an application for
cedification,and thatits organization is currently in compliance with section 8204.1 ofthe
State HOME Regulations including:
* I
ts cedifi
ed servi
ce areas include the jurisdi
cti
onforwhi
ch theirproposed acti
vity i
s
@
Iocated'
,
. its board composition com plies with and willcontinue to comply with the requirements
forCHDOS inthe definition contained in 24 CFR Section92.2*
,
. the purpose ofthe organization complieswith 24 CFR 92.2*
,and
. itis nota public body noris itcontrolled by,orunderthe direction of,a public body,or
individualsorentities seekingto derive profitorgain from the organization.
12. I
fa CHDO,itwi
llful
fi
llthe role ofsol
e projectdevel
oper'
,sol
e owner,orsol
e general
padnerin the administrationofthe proposed activity/ies.
13. The information,statements,and attachments contained in this application are,to the best
ofmy knowledge and belief,true and correct.
I authorize the Department of Housing and Community Development to contactany agency,
whether ornotnamed in this application,which may assistin determining the capability ofthe
Applicant. AIIinformation contained in this application is acknowledged to be public information.
(Thiscert
i
fi
cati
onmustbesi
gnedbythe personauthori
zedintheResoluti
on)
Signature:
-
Type Name:Nate Beason
Title:Chair.Nevada Counlv Board ofSupervisors
Date:
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DRA
R E S 0 L U T I0 N N O .
FT
OFTHE BOARD OFSUPERVISORSOFTHECOUNTY OF NEVADA
A RESOLUTION AUTHORIZW G THE SUBMIU AL OFAN M PLICATION TO THE
CALIFORNIA STATEDEPARTM ENT OFHOUSm GAND COMMUNITY
DEVELOPMENT FOR FUNDING UNDER THE HOM E M ESTMENT PARTNERSHIPS
PROGRAM IN THEAMOUNTOF$800,000;AND IFSELECTED,THEEXECUTION OFA
STANDARD A GREEMENT AAIY AMENDM ENTS THERETO AND OF ANY M LATED
DOCUMENTSNECESIARYTOPARTICIPATEINTHEIOMEM ESTMENT
PARTNERSHPS PROGRAM .
WHEREAS,theCalifomiaDepart
mentofHousingandCommunityDevelopment(t
he
ç
toepartmenf'
)isauthorizedtoallocateHOMElnvestmentPartnershipsPropam (%C
HOME'
')
ftmdsmadeavailablefrom theU.S.Depart
mentofHousingandUrbanDevelopmentCt
HUD''
).
@
HOM E fundsaretobeused foythepurposessetforth inTitle11oftheCranston-Gonzalez
xationalAffordableHousingActof1990,in federalimplementingregulationssetforth inTitle
24 ofthe CodeofFederalRegulations,part92,andin Title25oftheCaliforniaCodeof
Regulationscommencingwith section8200;and
W HEREAS,OnNovember2322005theDepartmentissued a2005NoticeofFunding
Availabilitynnnouncingtheavailabllityoffundsunde
.rtheHOMEprogr:m (thet
WOFA,,
);an(j
W HEREAS,inresponseto the2005NOFA,theCounty ofNevadaasubdivisionofthe
stateofCalifornia,(theçç
Applicanf'),wishestoapplytotheDepart
mentfor,andreceivqan
allocationof,HOM E funds.
NOW THEREFORE BE IT RESOLVED THAT:
lnresponseto the2005NOFA,theApplicantshallsubmitanapplicationto the
Departmentto participatein theHOM E program andforanallocation offtmdsnotto
exceedEightHundredThousandDollars($800,000)forthefollowingactivitiesand/or
prolams:
To operateacountm idefirsttimehoinebuyerprogram in the
unincoporatedareasofNevadaCounty.
2. Iftheapplication forfundingisapproved,thentheApplicanthereby agreesto usethe
HOME fundsforeligibleactivitiesinthem annerpresentedin itsapplicationasapproved
bytheDepartmentin accordancewiththe statutesandregulationscited above.The
Applicantmayalso executeastandard agreement,any amendmentsthceto,and any and
a11otherdocumentsorinstrumentsnecessaryorrequired by theDepartmentorHUD for
@
partici
pationintheHOMEprogram (collectively,therequireddocuments).
RRAFT
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at
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ift
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on
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ed
,
StandardAgreementandanyamendmentstheretoatasubsequentBoardofSupervisors
meeting. TheCountyofNevadaauthorizesthePlarmingDirector,orllisdesignee,to
signal1otherdocumentsrequiredby theDepartmentforpm icipationin theHOME
Propam.
PASSED AND ADOPTED by theBoard ofSupervisorsoftheCotmty ofNevadaata
regular
meeting of said Board,held on the
day of
>
>
bythefollowing voteofsaid Board:
Ayes:Supervisors
Noes:
AU EST:
Absent'
.
CATHY R.THOMPSON
ClerkoftheBoardofSupervisors
Abstain:
By'
Chair
DATE
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COPWSSENTTO
EXHIBIT A1
APPLICANT CHECKLIST
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The HOME Funds willbe used to continue to operate the County ofNevada's FirstTime
Homebuyer(FTHB)Program intheunincorporatedareasoftheCounty.TheHousing
Division is currently operating the FTHB Program successfully using 2004 HOM E and
AmericanDream DownpaymentInitiative FTHB grantfundsandHOME recaptureand/or
HOME program income(PI)funds.l
fthisappl
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Program is expected to serve 10 households. The clienthouseholdswillbe income
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eastI
ow income,adjustedby
family size. Each clientwillbe responsible to find a prospective home and quali fora
''first''Ioan before accessing Nevada County FirstTime HomebuyerProgram funds. The
Ioanswillbe30years,deferred,at3% simple '
lnterest.HOM Egrantfunds,aswellas
HOME recapture and/orHOME Program Income Funds willbe used to operatethis
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B. Prepare anAmerican Dream Action/Marketing Plan and attach as ExhibitB6.The Plan
mustinclude:
HOMEProgramApplication(Rev.7/2004)
Instructions
ts
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@
. Description ofthe planned use of American Dream funds
* Plan fortargetedoutreachto residentsandtenantsofpublicandmanufactured
housing
. DescriptionofactionstakentoensuresuitabilityoffamiliesreceivingAmerican
Dream assistanceto undertake and maintain homeownership.
Section 111.Program Team
Identify aIInronr
onment/implementation team members and theirroles and
- am d
-evel
responsibilitiesto implementthe proposed program. Members include,butare not
limited to,the applicant,administrative subcontractor,rehabilitation specialist,Ioan
underwriters,and program service instructors.lncludethe person's phonq num ber
and e-mailaddress.Checkthe box in the Iastcolumn ifthatperson is acting as an
administrative subcontractor.
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.ng o.
IVI
.SI
.ON pro9ram
Manager
*
Nevada County Program
Housl
.ngo.
Iv'
Ision
Program
O erator
Nevada county supportfor HB
Housl
'ng D'
IV'
Is'
lon Program
FiscalAnalst
Nevada County supportand grant
Housl
-ng D'
lvision writing for HB
Pro ram Analst Pro ram
7256
No
7270
7275
No
1423
B.CHDO'S Role (C- HDOs OnIv)- Check the appropriate box beloF and attach a
narrative explaining how,in the administration ofthe proposed program activity,the
CHDO willfulfillrequirementofbeing the sole owner,sole generalpartner,orsole
project devel
oper. Provi
de any supporting documentation as Exhibi
t B1.This
information willbe used to assistthe Departm entin ensuring thatthe CHDO meets
the eli
gibi
li
ty requirements speci
fied i
n section 8204(a)(2)(D) of the State
Regulations.
)SoleOwner
I JSol
eGeneralPartner
@
)Sol
eProjectDevel
oper
HOMEProgramAppltation(Rev.7/2004)
Instructions
q.
$
Section IV. Program Service Area
@
EntertheState-eli
gibl
ejuri
sdi
ctioninwhi
chyouracti
vi
tyi
sproposedtobecompleted.See
NOFA Appendi
xA foraIi
stofStateHoME-eli
gi
bl
ejurisdicti
ons.SeeNOFA Appendi
xA-1
foraIistofParticipatingJurisdictionsandCohsodiaeligiblefortheAmericanDream
Program.CHDO'SthatintendtooperateaStateHOME program inmul
ti
plejurisdicti
ons
shoul
di
denti
fyeachjuri
sdi
cti
onseparately.CHDOSareonlyeli
gi
bleto operate aFirstTime HomebuyerlnfillNew Construction Program.
The Departmenthas compiled the Program Performance dataforthis Section.You do not
need to submitanydata forthisSection. See the PartB,Program Application lnstructions
formore details.
Section VI. PriorExperience with Programs
Submita PriorExperience summary using the Exhibits 82 and B3.
@
Section VII.Program Comm unity Need
The Department has compiled the Community Need Data forthis Section.You do not
need to submitanydata forthisSection. See the PartB,Program Application Instructions
formore details.
seciionvIIl.Program Feasibility
A. .proaram Guidelines-Complete the Program Guidelines Checklistin ExhibitB4.
Attach Dronram nuidelines and/oroperatina Droceduresto ExhibitB4. Indicate
on the Checklistthe page numberwhere the required itemsforyourproposed
activity can be found.One setofguidelines may be submitted fortwo separate
program activities aslong as a1lofthe required items are included.
B.
Owner-occupied and Rental Rehabilitation Pronrams - The Department will
obtain Census data on the numberofovercrowded households by tenure and
the age ofthe housing stock bytenure in the city orcounty.
Tenant-Based Rental Assistance - overpayment by Iower-income renter
households as reflected in U.S. Census data.Note: although this factor is
specified in the State HOME regulations,this data is notavailable from the U.S.
Census.Therefore,alITBRA program applications willreceive fullpoints forthis
factor.
D.
@
First-Time Homebuver Pronrams - Answer the following questions below to
demonstrate the feasibility of the proposed first-time homebuyer program.
Attach asExhibitB5
HOMEProgram Application(Rev.7/2004)
Instructions
'N
.
tYx'
1) (a) Providethenumberofhomesthathavesoldi
nthepreceding12months(Jul
y
1,2004 -June30,2005)i
ntheHoME-eli
gibl
ejurisdictionforapri
ceatorbel
ow the
HUD 203(b)Ii
mi
torapproved exceptionnumberforthatjuri
sdi
ction.Ifyouare usi
ngan
excepti
on number,providethisnumber.(The HUD203(b)Ii
mits,al
soknownasthe
Maximum Purchase/ri
ceLimi
ts,canbefoundontheHOMEwebpageat
- .hcd.ca.
qov/fa/home/nofazoos.)
@
(b) Provide the numberof households expected to be served wi
th HOME
and/orAmericanDrèam fundsover30months(HOME contractterm)
(c)Listthenumbersfor(a)and(b)inthespacesprovidedbel
ow aswel
as in yournarrative.
Numberofhomesthathavesoldinthepreceding12months(February2005
-
February 2006,see Attachment 1 for approvalto suwey this period and
533
forsurveyresults)inthe HoME-eli
gi
bl
ejuri
sdi
cti
onforapri
ceatorbelow the
HUD 203 (b) l
imi
t or approved excepti
on number for thatjurisdi
cti
qn.
($417,050perHUD'S7-15-06I
ett
er.SeeAttachment1)
Numberofhouseholds expected to be served with HOME and/orAmerican
151
Dream fundsoverthenext30months(HOME contractterm)
@
l-rhese figures representfive from the 2004 FTHB HOME grantand 10
from this ranta lication.
2.
Explain in detailhow the proposed program willmake First-time
Homebuyerunits affordable to Iow-income families.Discuss the:
. Expected average sales price
. Average amountofHOM E and/orAmerican Dream mortgage as:istance
to be provided
. Average amountofothermortgage assistance to be received
* Average amountoffirstmortgage
. Estimated monthlyfirstmortgage payment
. AnnualIncomeofhouseholdsto be servedwithHOME and/orAmerican
Dream assistance.
Explain the methodology used forcalculating the above numbers.
@
HOMEProgramApplication(Rev.7/2004)
Instructions
@
@
@
Exhibit82
PriorExperience with Programs
A.
Listawardsforaffordablehousingandcommunitydevelopmentprogramsadministeredbytheapplicantfrom
HOME,local,Stateand otherFederalfundi
ngsourcesinthe I
astseven(7)years(1998through2004)for
programs providing the same activitvas isDroDosed inthe annlication.Do notIistawards received in 2005. Listno
more than 10 awards.
Chart5- EnterHOME,Iocal,state,andotherfederalawardsthatareforthesameactivit as ro osedinthea Iication.
..
..
Award (
.y
.
(
)
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,
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2004
tD
.
,
E.
'.
..'
..
,
$.,
',...,
..
. ,'
,
HOME:04-1-1
0ù4-0747
FTHB
2001
HOME:01-HOME-0553
FTHB
7
1998
HOME:98-H0ME-0343
FTHB
HOMEPr
ogramAppl
i
cati
on(Rev.7/2005)
Exhibit82-PriorExperience(Similar)
.,
....
. ,,
.,..
,.,
,
. ... .....
,.
..... .,. . ,
.
.
., .,
,
,
'
.
.... s.
Unincorporat
ed
areasofNevada
county
Unincorporated
areasofNevada
Count
Unincorporated
areasofNevada
Count
12
5(t
odate)
1in process
12
12
13
13
@
@
e
Exhihit83
PriorExperiencew ith Programs
B.
Listawardsforaffordable housing and community developmentprogramsadministered by the applicantfrom
HOME,I
ocal,StateandotherFederalfundi
ngsourcesintheI
astseven(7)years(1998through2004)for
Droarams differehtfrom the activitvDronosed in the annlication. Do notlistawards received in 2005.Listno more
than 10 awards.
*
'
Chart6
''
'5
.
. .(. '.....,.
qy/pr
'g.
'ar
.('
.. ..j (.'... '.. ,
:
Awa
èè,(j,'''s,. Actiki
t
b
r
ù
'N..à',rme
Y rd FundiqgSoprces ,
.)
@.'fEt: Locàti
oh
eas HovE,r
pdqral,stptëktbtit (:k
g,i
'
rèqtàlreh@b.àtqitstet:
)
clt/cotlpty)
2
:'l2 (
(prövi
dënameoift
jààz)',.
)
q, ti
m:hpr
tl:buyësq
ptdjtài'
lt)(?
.
..
2004 CDBG:04-EDBG-1029
..
'
'
:. .
Economi
cDevel
opment:
2004
DOE 04C-1523
W eatherization '
2003
DOE 03C-1473
W eatherization
2003
CDBG:03-STBG-1842
Rehabilitation
2003
LIHEAP 038-5225
Weatherization
2003
USDA Housing Preservation Rehabilitation
GrantPro ram
CDBG:02-EDBG-0866
Economic Development:
Microent@rpriie Training
Pro ram/o tionalLoan
LIHEAP 028-5174
W eatherization
2002
HOMEProgramApplication(Rev.7/2004)
ExhibitB2-PriorExperience(Different)
' .
' ..
,
,.
) unl
t
.
.: ..'
. '
, ,
' .
2004
2002
s-
.,
Bus
ines
Progr
amsAssistance Loan
USDA Housing Preservation Rehabilitation
GrantPro ram
LIHEAP 048-5276
W eatherization
2004
e--e'
'
..
.
.
.. . '. .....
'j
,.
' ,'' TotàlUpi
ts Xpi
sted
'.)
Uni
ncorporatedareasof
Npvad; County
Unincorporated areasof
NevadaCount
Unincorporated areasof
NevadaCount
Unincorporated areasof
NevadaCount
Unincorporated areasof
NevadaCount
Unincorporated areasof
xevada count
Unincorporatedareas of
Nevada Count
Unincorporatedareasof
Nevada Count
Unincorporated ateasof
Nevada County
Unincorporated areasof
NevadaCount
.
()
anticipated
': è
.
1 Ioan
.'
11
318
currently
closing
11
318
15
15
15
15
5
5
317
aj;
5
5
45
45
a48
a48
Exhibit84
INSTRUCTIONS FOR PROGRAM GUIDELINES CHECKLISTS
kpplicants forHOME Programs mustsubmittheirproposed Program Guidelinesforthe activityor
hctivitiesidentified intheHOME Application.
@
llease note:
. one setofguidelines maybe submitted fortwo separate program activities as Iong as aIIof
the required items are included
. Applicants who already have HOME Program Guidelinesfortheiractivity,who did not
alreadymodifythem forIastyear'sapplication,may continue to use them,butmustadd the
new i
temsaddedthisyear(markedi
nbold i
nthecheckl
istsbelow),andmustre-number
the pagesofthe Guidelineswith the new numbers below,i.e.A1,etc.
. 'Z
Fo
rFirstUYER
TimeHo
buye
r(
FTHB)
Pr
gr
apdpli
cat
o
s
li
cdan
tsma
uase
he Program
OMEB
Prme
oaram
Sa
mn
l
eGu
i
do
el
ina
em
dan
Ch
ei
cn
kl
i
s,
ta
,p
fop
un
on
they
St
tet
HOME
website:
o hon://- .hcd.ca.nov/ca/lntrozsmnlHmBvr.doc
. Indicate the page numberwhere the Guideline requirements,below,are found and write
theGui
deli
neNumber(e.g.A1)inthemargi
nofthegui
delinesthemsel
ves
. Itisnotnecessarvto hiahlinhtth-qjextintheGuidelines.
rhe required Program Guidelinesforprograms,which formerlywere in individualprogram
, hments,have been consolidated into one setofProgram Guidelines.Please use the
ing chartto identifywhich sections apply to which activities.
Section:
FTHB
Program
OOR
Program
A
B
ç
X
X
X
X
X
'
'
g
ê
F
Rental
Rehabilitation
Pro ram
X
X
X
TBRA
Program
X
X
X
X
. sectionA:Common Program Guidelines(required foraIIprogram applicants)
* SectionB:AlIPrograms making Ioans(excludesTBRA activities)
*
.
7orexample,a FTHB program withno plansto rehabilitate homeswould complete SectionA and B.Ifa
7 program wanted the flexibilityto beableto alsorehabilitate homes,also completeSectionC.
I
OMEPr
ogr
amAppl
i
cat
i
on(Rev.7/
2005)
ts
sectionA:CommonProgram Guidel
ines(requiredofaIapplicants)
@
Number ProvisioninGuidelines
A1
Page
Numbers
IncomeIi
mi
tsbyhousehol
dsi
ze(orreferenceanatt
achmentcontaining 25
A3
these Iimits
Eitherastatementthatpropertiesconstructedpriorto1978willnotbe 27
eligibleforassistance orlead-based paintrequirements forproperties
constructed priorto 1978 willbe addressed priorto purchase.These
requirementsinclude:
a. RequirementthatIead-based paintnotification be given to
purchasers'
,
b. Requirementthatpropedies be inspected fordefective paint
surfaces;and
lfdefective paintsurfaces are found,requirementthatthey willbe
ro erl abated.
ConflictofInterestProvision
25
A4
Descri
pti
onoftypeofHOME assistanceto be provi
ded (forI
oan
A2
A5
@
A6
22A,29,
programs:type ofIoan,interestrate,term,etc;forTBRA:security
29A
de osit,rentalassistance,utilit a ments
A description ofmarketing and padicipantselection process,
22A,23
including income verification procedures.Describe how the program
'
willbe m arketed.Describe how eligibility and income verification will
be done forborrowerand tenantapplicants.ForRentalRehabilitation
programs:describe methodforensuring thatrentalpropertyowners
have the ca acit to mana e rental ro ert .
Description ofinspection procedures and persons responsible for
26A
performing them.ForRehabilitation programs,provide proceduresfor
initial,interim,andfinalinspections.ldentifythestaffassignedtothese
s ecific roles.
A7
'
Listthemaximum amountofHOME assistance peruni
t(orreferencean 29
A8
Descriptionofhow FairHousingandAffirmativeMarketing
re uirements willbe met.
StatementthataIlpersons in residence are considered household
members for ur oses ofincome eIi ibilit
A9
.
attachmentcontainin these Iimits
22A
25A,25A
@
OMEProgramApplication(Rev.7/2005)
/j
sectionB:AIIActivi
tiesMakingLoan(requiredforalIapplicantsforFirstTimeHomebuyer
(FTHB),Owner-occupi
ed Rehabilitation(OOR),and RentalRehabilitationand/orAcquisltion
acti
vities)
Num ber Provision in Guidelines
B1
Page
Numbers
Description ofhow properties willmeethealth and safety code and 24,26A
Iocalcode requirements.ForFTHB acquisition-only,properties
mustmeethealth and safety code requirements atthe time of
occupancyand no Iaterthan six m onths aRertransferof
ownershiq.FTHBhomesmustalsomeetwrittenstandardsfor
rehabili
tatl
onnolaterthantwoyearsfrom transferofownership.
W ritten standards forrehabilitatlon includes Iocalcodes,
ordinances,and zoning requirem ents.ForRehabilitation,
properties m ustm eethealth and safety requirements and written
standardsforrehabilitati
onbyprojectcompletion.I
dentifythe
82
s ecific Iocalcodes which willbe used.
Eithera statementthattenant-occupiedpropertieswillnotbé eligibleor 24
a statementthatin those cases federalrelocation requirements mustbe
met.A uni
tbeingacqui
red i
sconsi
deredtenant-occupiedpnlessthe
@
83
unithas been vacantfor4 months priorto the purchase agreement
date.Note:HOME funds may be used as grants to pay for
relocation costs when a'unitis tenantoccupied.Ifyou plan to use
rants forthis ur ose,include a relocation lan.
The requirementforflood insurance forhom es in 100 yearflood
26A
'
'
Zone.
84
Description ofhow program willverify thathom eowners rem ain
owner-occu ants
B5
Maximum propertyvalueatacqui
si
ti
on(lfotherthansingl
e-famil
yuni
ts, 28A,34
includefordi
ff
erentnumberofuni
ts).Youmayalso referencean
86
23,30A
attachmentwhich rovidesthis information.
Requirementthatan acquisition notice containing the items Iisted below 24
be provided to sellerpriorto making the purchase offer:
a. The purchaserhas no powerofeminentdomain and,therefore,
willnotacquire the property ifnegotiationsfailto resultin an
amicable agreement'
,
b. An estimate ofthe fairmarketvalue ofthe property;
c. Ifan acquisition notice willnotbe provided priorto the purchase
offer,a provisionthatthe sellermaywithdraw from the agreement
afterthis information is rovided.
@
IOMEProgr
amAppli
cati
on(Rev.7/2005)
t
,
#'
*
jà
j
l
i
.
e
N
4
7
j
/
.
Number ProvisioninGuidelines
@
87
88
B9
Resale orrecapture restriction: including:
a. AllHOME Ioans m ustuse the recapture method,unless the
property is in a Community Land Trustorin a co-operative
ownershipform
b. Localgovernm entloans may use resale control,provided
thatthe HOME Ioan is structured according to the terms of
HOME ManagementMemo 04-01
ForFTHB programs,a description ofmethod ofdetermining amountof
HOME assistance provided to a household.W hatisthe processfor
determining theminimum amountofHOME fundsnecessaryto ensure
affordability based onthe specificcircumstancesofthe borrower,the
ro osed ermanentfinancin ,andthe ro osed unitto be ac uired?
ForFTHB and RR activities:
Page
Numbers .
30A
ï
23A,24A,
26A,28A,
29,29A,
30
24A
a)adescriptionoftherequired peri
odofaffordabi
li
typerSecti
on
8208 ofthe State HOME Regulations.
b)astatementthatnoaddi
ti
onalHOME assistancemaybe
provided during the period starting one yearfollowing the filing of
theProjqctCompleti
onReportthroughendofvtheaffordabi
li
ty
B10
@
eriod.
First-time homebuyerqualification criteria including:
26
a.
Indi
vi
dualand/orspopsehasnotowneda homeduring
b.
three years before purchase ofhome with HOME
assistance
Any allowable exceptions underthe State HOME
Program,including
1
2) A singl
e parentwi
thdescri
pti
on'
,
3) Ani
ndi
vi
dualori
ndi
vi
dual
swhoownorowned,asa
principalresidence during the three-yeàr
period before the purchase ofa home with
HOME assistance,a dwelling unitwhose
structure is:
a)
notpermanentlyaffi
xedto apermanent
foundation in accordance with Iocalor
state regulations'
,or
b) notincom pliancewithstate,Iocal,ormodel
building codes and cannotbe broughtinto
compliance with such codesforIessthan the
costofconstructing a permanentstructure.
@
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HOMEProgramApplication(Rev.7/2005)
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HOM EBW ER PROGRAM GUIDELIN ES
*
TABLEOFCONTENTS
*
1.0.GEN ERAL
1.1.PROGRAM OUTREACHANDM ARKETING
1.2.APPLICATION PROCESSAND SELECTION
1.3.THEHOMEPURCHASEPROCESS
1.4.HOMEBUYERCOSTS
1.5.HOMEBUYEREDUCATION
1.6.CONFLICTOFWTERESTREQUX MENT!
1.7.NON-DISCRIMW ATION REQUX MENTS
2.0.APPLICANTQUALIFICATIONS
2.1.CURRENTmCOMELIMITS
2.2.m COMEQUM IFICATION CRJTEPJA
2.3.DEHNITIUN OFELIGPLEHOMEBUYER
3.0.HOUSING UNITELIGIBILIW
3.1.LOCATIONAr CHARTERISTICS
3.2.CONDTION
3.3.ANTI-DISPLACEMENTPOLICYANDRELOCATION ASSISTANCE
3.
4.PROPERNOTIFICATIONAND DISCLOF RES
4.0.PURCHASE PM CE LIM ITS
5.0.THE P M ARY LOAN
*
*
ô.1,QUALIFYWGRATIO
5.2.W TERESTM TE
5.3.LOANTE>
5.4.1* OL1r ACCOUNT
6.0.THE PROGRAM LOAN
6.1.MAXIMUM AMOIJNTOFPROGRAM ASSISTANCE
6.2.NON-RECURRPG CLOSW GCOSTS
6.3.AFFORDABILITYPARAMETERSFORHOMEBUYERS
6.4.RATESM D TERMSFORPROGM M LOANS
6.5.
1,
0% TO VXLUERATIO
7.0.PROGRAM LOAN REPAYM ENT
7.1.PAYMENTSARE VOLUNTARY
7.2.RECEN mGLOAN REPAYMENTS
7.3.DUEUPON SALEORTRANSFER
7.4.LOAN SERVICWG POLICYSAND PROCEDURES
7.5.LOAN MONITOU GPROCEDURES
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TABLEOFCONTENTS(CONYINUED)
8.0.PROGM M LOAN PROCESSWG M D MW OVAL
8.1.COMPLETIONOFUNDERWRITINGAND APPROVALOFPROGRAM LOAN
8.
2.PRJMARYANpPROGRAMITANDOCUMENTSIGNWG
8.3.ESCROW PROCEDUM S
9.0.SUBORDW ATE FINANCING
10.0.EXECEPTIONSAr SPECIAL CIRCUM STANCES
10.1.DE> ITION OFPXCEPTION
10.2.PROCEbURESFOREXCEPTIONALCmCUMSTANCES
11.0.DISPUTERESOLUTION Ar APPEALSPROCEDURETABLE
ATTACHM ENTS
ATTACHMENTA:24CFRPAAT5ANNUALWCOMEWCLUSIONSAr EXCLUSIONS
ATTACHM ENTB:ANNUALm COMENETFAMILY ASSETW CLUSIONSAND
EXCLUSIONS
ATTA/HMENS C:MAXIMUM PURCHASEPRICE/AFI
'ERREHXBVALUELIMITS
ATTACHMENTD:HOMESUBSDYLN ITSPERUNIT-SECTIOM221(D)(3)
ATTACHM ENT E:LOAN SERVICW GPOLICW SM D PROCEDURES
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ATTACHMENT F:SELLER'
SLEAD-BASED PAWTDISW OSURE
ATTXCHMENT G:SAMPLELEAD-BASEDPAWTCONTM CTCONTWGV CY
LANGUAGE
ATTACHM ENT H :SAMPLEDISCLOSUM STO SELLERWITHVOLUNTARY,ARW S
LENGTH,PURCHASE OFFER
ATTACHM ENT 1:N PLEMVNTATION STEPS
ATTACHM ENT J:LEAD-BASED PAW TNOTICEOFPRESUMPTIONANDHAZARD
REDUCTION FORM
*
Vèrsion:July2005
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County ofNevada
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HOM EBW ER PROGRAM GUIDELINES
1.0. GENERAL
n eCotmtyofNevada,hereinalerreferredtoastheGsponsor''hasenteredinto a
contracmalrelationsllip withtheCaliforniaDepartmentofHousing andCommunity
Z
Development(E
%HCD'
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homebuyerpropam describedherein(t
heçTrogam'
'lisdesignedtoprovideassistanceto
fligblehomebuyersinpurchasinghomes,alsoreferredtohereinast%ousingunits',
locatedwithintheProgram'seligiblearea,asdescribed in Section2.1.ThePropam
Providesthisassistanceintheform ofdeferredpam ent%tsilent''secondpriorityloansas
tr ap''Gnancingtowardthepurchasepriceand closingcostsofaffordablehousingtmits
thatwillbeoccupiedbythehomebuyers.n eProgram willbeadministeredbythe
çG
program Operator.
''(Note:Provam OperatormaybetheSponsor,ormaybeanamid
contractor,consultant,orsubrecipiçntthathasbeenapprovedbytheSponson)
1.1. PROGM M OUTREACH AND MARKETW G
A11 outreach eflbrts will be done in accordance with state and fùderal fair lending
regulationsto assurenondiscriminatorytreae ent,outreach and accessto theProvam . Np
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orsexualorientationbeexcluded,deniedbeneftsorsubjectedtodiseminationunderthe
Provam. n e Sponsorwillensure thata11persons,including those qualised individuals
with handicapshaveaccesstotheProv am.
A.
n eFairHousingLenderlogo willbeplaced on a11outreach materials.Fairhousing
marketing actionswillbebasedupon acharacteristicanalysiscomparison (census
datamaybeused)oftheProgram'seligibleareacomparedto theethnicityofthe
populationservedby theProram (includes,separately,a11applicationsgvenout
andthosereceivi
ngassistance)and anexplanation ofanyunderservedsegmentsof
thepopulation.n isinformationisusedtoshow thatprotededclasses(age,gender,
ethnicity,race,and disability)are notbeing excluded &om the Program. (For
HOME,theSponsorshalldevelop aFairHousing MarketingPlanpriortoproject
setup).Flyersorotheroutreachmaterials,inEnglishandanyotherlanguagethatis
%%
the primary language ofa significantportion ofthe area residents,willbe widely
disibuted in the Prov am-eligible area and willbe provided to any localsocial
service agencies. n e Program may sponsor homebuyer classes to help H ucate
homebuyers aboutthe home buying process and future responsibilities. Persons
who have pm icipated in local homebuyer seminars will be notifed about the
Program.
B.
n e Propam Operator willwork closely with localrealestate agentsand primary
lenderstoexplainthePror nm requirementsforeligiblehousingunitsand
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Section 504 of the Rehabilitation Act of 1973 prohibits the exclusion of an
otherwise qualified i
ndividual,solely by reason ofdisability,1om pm icipation
under any propam receiving Federal funds. The Provnm Sponsor should take
appropriate steps to ensure eFrctive communication with disabled houéing
applicants,residentsandmembersofthepublic.
1.2. APPLICATION PROCESSAND SELECTION
A. The Sponsormaintains a waiting listof applicants.Eàch applicant is asked to
completean applicationpackage,which asksförthefollowing:
* Pre-qualifcatipn letterfora frstmortgage
* 1003 loan applicationfrom thefirstmortgagelender.
* DAPApplication
* First-timeHomebuyc Xodavit
* Copyofrecentcreditreport
* Copiesofyourlast3m onthspaychecksorincomeverifcation
* Copiesofyourlast3yearsFederaltaxretums,including a11schedules
* Copiesofa11assetsIIRAS,savingaçcountbnnkstatementsetc)
complete applicationsaredateand time stnmped,therefore,assistance isgiven on
a frst-come-frst-served basis. Applications are only dpemed complete if a11
informationiscompleted and theapplicationissigned anddated.
B.
Once the applicant'sname cùmesto the top ofthe waiting listtheirProv nm
eli/bili
tyisconfirmedandtheyareinvitedtoabriefngregardingpart
icipationin
the Provam. At the briefing the application is reviewed and the potential
homebuyeris given a ç%preliminary Eligibility Letter''for theProram along with
thefollowing forms:
* Disclosureto Seller,Arm'sLength...AttachmentH
* SellersLead-Based PaintDisclosure...AttachmentF
Thepotentialhomebuyerisgiven 90 daysin orderto ftnd aqualifed home and
be#nsectuingapri
maryloanforthehousingunit.lfduringthe90-daytimegame,
thepotentialhomebuyer isunable to purchase ahome,an extension maybe given.
However,ifitappearsthe potentialhomebuyercnnnotparticipate in the Program,
the reservation offunds expiresand the nextperson on the waitinglistist'iven an
opportunitytoparticipatein thePror am.
D.
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n e DAP brochtlre describes the requirementthathomeownersinsurance mustbe
maintained andtheunitbe owneroccupied ortheDAP loan willbedue. Thebuyer
sir sthe promissory note and the deed which requires thehomebuyerto maintain
homeownersinstlranceandrequiresthehomebuyerthatt
heunitmustbeownv
occupied. n eloan ismonitored on ayearly basisformaintenanceofinsmanceand
Version;July2005
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1.3. THE HOM E PURCHASE PROCESS
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DEBT SERVICE
FOR A FAM ILY OF FOUR EARNG G $2,500PER M ONTH
HOUS> G PAYM ENTS
Principal& lnterestPam ent
lnsurance
Taxes
$580
50
120
TOTAL OVERALL PAYM ENTS
$750 Housing
+250 OtherDebtSèrvice
$1,000 TotalDebtService
TotalHousingExpense
IPITIis30% of$2,500)
$750 (Overall debt service per month is 40% of $2,500)
OTHER HOUSEHOLD DEBT SERVICE
CafPam ent
$ 150
TotalOtherDebt
$250
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CreditCard Pam ent 100
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A $580permonthloanpam entequatestoborrowing$96,750at6% fora30yeartenh.
SUBSIDY CALCULATION
FOR A FAM ILY OF FOUR EARNING $2,500 PER M ONTH
Pm chasePriceofProperty
$120,000
LessPrimaryloan amount
Lessdownpam entof3%
96,750
3.600
EqualsGGAPO
Plusestimated allowablesetllementcharges
EqualsTotalSubsidy
$ 19,650
3.000
$ 22,650
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(DependingontheHCD Program)
1)
1-/
2)
3)
Homebuyerhasnopowerofeminentdomain and,therefpre,willnotacqùire
thepropertyifnegotiationsfailto resultin an amicableagreement;and
Homebuyer'sofferisanestimateofthefairmarketvalueofthehousingunit,
to befnally determinedby astatelicensed appfaiser;
Thehousing lml
'twillbe subjectto ineection. Not
e.For CDBG local
health and m -/c
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with localcodesatthetimeofconstruction. CalHome/l
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thisrequirementtotheSponsor.
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4)
A11housingunitsbuiltpriorto January t,1978 willrequirea leadpaint
5)
Since the ptlrchasewould be voltmtary,the sellerwould notbe eligible for
relocationpaymentsorotherrelocation mssistance;
The sellerunderstandsthatthehousing unl'tmustbe either:currentlyowneroccupied,newly cons% cted,arenterpurchasing thelmit,orvacantforfour
monthspriorto subGission ofthepurchaseofer.
Ifthesellerisnotprovidedw1t11astqtementofthe above six provisionsprior
to the puwhaseoffer,thesellermay withdraw 9om the areementaAerthis
information isprovided.
disclostl
retobesir edbyboththehomebuyerandSeller(AttacbmentF);
C. XPplicantsubmitsexecutedstandardform purchaseandsaleagreemèntandpri
mary
lendçrprequalification letterto Program Operator.Thepurchaseand saleagreement
willbe contingenton the household and housing unitmeeting Procam eligibility
requirements and recùiving Program loan approval. Provam Operator verifes
applicanteli/bility,housingtuiitandloaneligi
bilityandamoùntofassistancetobe
provided consistentwith these guidelinel.
D, AnyworktobecompletedaherpurchasewillbeundertakenthroughtheProram's
housingrehabilitgtion promam. Note:ForHOME thehousing unitpllfxfmeetcode
no later than fww years a-fterfrcn@ randbe#eefrom health and m/ef
.
pdefects
priorto i
nitialoccupancy. Cal
Homefundsshallonl
y be usedforpermanentgap
hnancingforahousingunitreadyforoccupahcywiththeuceptionofprimary l
oan
obtained throughHUD orUSDA,whi
ch addresses rehabilitati
on of thehousing
unit.
Propam Operator, where Program Operator is not the Sponsor, submits
recommendation totheSponsorforapprovalordenial,including thereasonsforthe
recommendation. SponsordeterminesApplicant'sapprovalordenial,andinstructs
Program Operatorto notifyApplicant.Proram Operatorprovideswritten
notifcation to Applicantofapprovalordenialwith reason and,ifdenied,acopyof
theProgram'sappealprocedures.
Version:July2005
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Atthe time ofescrow closing,the Sponsorshallbe named as an additionalloss
payeeon fre,flood,ifrequired,and extended coverageinsurance forthe length of
theloan andinanamountsuë cienttocoverà11encumbrancesoifullreplacement
costofthehousing lmit.
1.4. HOM EBUYER COSTS
A. Eligible householdsmust documentthat they have the fands necessary for down
pam entand closing costsasrequired by thePrimary Lenderand theSponsor. Tlw
Provam'sdown paymentrequirement(below) is in place even ifthe Primary
Lenderhasalowerdownpam entrsuirement.
B.
Homebuyerfundsshallbeused inthefollowingorder:
Downpam ent-Mirlimtun Requirement:None Required.
Tot
heextentpossibleaAersatisfying 1),abpve,appraisalfee;costofcredit
report; the loan origination fee; disèount points customary homebuyer
closing costs;homebuyer's customary portion of the escrow fees; title
insurance;and,theestablishmentofimpoundaccountsforpropeo taxesand
insurance.
After1)and2),above,am satisfed,anybalanceofhomebuyerfundsmaybe
applied either to the purchase price or to reduce the interestrate of the
primaryloan asnecessary.
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IftheitemsinB.
2),abovecnnnotbesatissedwithhùmebuyeffunds,ttleSponsor
mayprovidePropam loan assistance tp covertheremainingbalance.
E.
%
% F.
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Sponsormaynotprovidemorethan 50percentofthedownpam entrëuiredbythe
primary lender (CDBG rekuiremeno. Sponsor may also provide sumcient
assistance,asProram loanpdncipal,toreduce themonthlypam entsforPITltoan
affordable levelofhousehold income. n esubsidy willwritedownthe costofthe
primary lender'sloan so thatthe pam entsofPITl are witbin approximately 30 to
40% oftheFosshouseholdincome. n eProram Operatorwilldeterminethelevel
ofsubsidy and alordabilitydudngunderwriting ofthe Proram'sloanto make sure
thatitconformstotherequirementsoftheHCD fundingProraln.
A document restricting resale and ensuring afordability for 15 years will be
recorded. No additionalHOME assistance may be provided during the period
startingoneyearfollowingtheflingoftheProjectCompletionReportthrough the
end oftheaFordabilityperiod.
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1.5. HOM EBW ER EDUCATION
Buying ahome can beoneofthe mostconfusing and complicated transactions anyone can
make. Providing thefuturehomebuyerwith informativehom ebuyereducation training,can
(
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bring successto tùeSponsor,Proram Operator,theProgram and mostimportantly,the
homebuyerk lthasbeendocumented thatfrst-timehomebuyèrsthathavehadhomebuker
educationhavetheabilitytohandleproblemsthatoccurFithhomeownershi
p.A11Projram
participants are required to attend a Sponsor-approved homebuyerLduc>tion clmss (a
Cal
Home requiremeno. Thehomebuyereducation classmay coversuch topicsas the
following:preparing forhomeownership;available snancing;creditanalysis;loan closing;
hom eownershipresponsibilities;homemaintenance;andloan se icing.
1.
6. CONFLICT OFG TEREST REQUIREMENYS
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otherpersonwho exercisespolicyordecision-maki
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udingmembers
of the loan committee and oo cers, employees, and agents of the loan committee, the
administativeagent,contractorsandsimilaragencies)inconnectionwiththeplnnningand
impl= entation ofthe Program shalldirectly or indirectly be eligible for tbis Provam.
Exceptionstothispolicycanbemadeonlyafterpublicdisclosureandformalapprovalby
thegovem ing bodyofthelocality.
1.7. NON-DISCRIMINATION REQUIREMENTS
n e Prov mn willbeimplemented in ways consistent w1111the Sponsor's commie entto
non-discrimination.Nopersonshallbeexcluded 9om participation in,dùmiedthebeneft
of,orbesubjecttodiscriminationunderanyproram oràctivityfundedinwholeorinpart
with State fundson thebasisofhis orherreligion orreligiousam liation,qge,race,color,
creed,gender,sexualorientation,maritalstatus,familialstatus tchildrenl,physical pr
mentaldisability,nationalori#n,orancestry,orotherarbikarycause.
2.0 APPLICAW QUALIFICATIONS
2.1. CURRENT INCOMELIMITSFOR THEAREA,BY HOUSEHOLD SIZE
A11applicantsmustcertify thattheymeetthehpusehold incomeeligibility requirementsfor
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lipitsin place atthe time ofloan approvalwillapply when determihing applicantincome
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ligibility.A11applicant,musthaveincomesatorbelow80%oftheCotmty'sareamedian
income(AMI),adjustedforhouseholdsize,aspublishedbyHCD eachyear.
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80*o $35,600 $40,700 $45,800 $50,9 0 $54,950 $59,000 $63,100
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Household:meansoneormorepersonswhowilloccupy ahousing tmit.
Version;July2005
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2.
2. INCOM E QUALIFICATION CRITERIA
Projectedsnnualpossincomeoftheapplicanthouseholdwillbeusedtodeterminewhether
tlmy are aboveorbelow thepublished HCD incomelimits.lncomequali cation criteria,as
shown in the most recent HCD program-spçcifc guidance, will be followed to
independently determine and certify the household's nnnual Foss income.n e Provam
Operatorshould compare this nnnualgross incometo theincomethe Primary Lenderused
when qualifyingthehousehold. ThePrimaryLenderisusuallyunderwritiné to FHA or
conventionalguidelinesandmay notcalculate thehousehold income orassetsin the same
way asrequiredby thePropam. lncomewillbeverifiedbyreviewing and docnmentingtax
retum s, copies of wage receipts, subsidy checks, bank statepents and third party
verifcation of employmentforms sentto employers. A11documentation shallbe dated
within six months prior to loan closing and keptin the applicant fle and held in strict
confdence.
HousEHol-olxcoMEoEFm rnok:
VA
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Household incomeisthennnualgrossincomeofa11adulthouseholdmembersthatis
projectedtoberecei
ved duringthecoming lz-monthperiod,aùd willbeusedto
determineprogram eligibility. For those typçsofincome counted,voss amotmts
meforeanydeductionshavebeentaken)areused;andthetypesofincomethatare
notconsideredwouldbeincomeofminorsorlive-in aides.Certain otherhousehold
membersliving apartâom the household also require specialconsideration. n e
@
household'sprojectedabilityto paymustbeused,ratheythanpaste>rnihgs,when
calculatingincomé.'FhelinktoAnnuallncomeInclusionsandExclusionsis:
h% ://- .hud.Rov/oë ces/cpd/affordablehousinitraininWçalçulator/defniéons/pm s,ç%-
At
iachmeniA:lkè#k Pail-l-xi
iua1tncomeIncfusionsandExclusions
NOTE.
. Non-occupantco-sizners willnotbe required to submitincome and asset
documentation. Co-signers income willnotbe included in the household income
determination. Co-signersareacceptableaslongastheirnamesdonotappearon
theGrantDeedorDeedofTrust.
B. ASSXTS:
n ereisnoassetlimitationforparticipationintheProgram.lhcome&om assetsis,
however,recor ized aspartofannualincomeunderthePart5 defrlition. An asset
isa cash ornon-cash item that can be converted to cash.n e value ofnecessary
itemssuch asfurnitureand automobilesarenotincluded.(Note.iti
s the i
ncome
earned - e.g.intereston a saving 's account- notthe assetvalue,which f.fcounted
inannualincome.
)
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holdingsandcostsforsellingrealproperty.n ecashvalue(ratherthan themarket
value)ofanitem iscountedmsanasset.'
TheLink toAssetlnclusionsandExclusionsis:
- .
hud.zov/oëces/oiafordablehousinWtaininWcalculator/defnitions/trea% env
he :/
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inclusions.ce
AttaclunentB:Part5 AnnualIncomeNetFamilyAssetInclusionsandExclusions
2.3. DEFINITION OF AN ELIGIBLE HOM EBW ER
Aneli#blehomebuyermeansanindividualorindividualsoranindividualandltisorher
'
X2
'
spousewhomeetsthéincomeeligibilityrequirementsandis/arepotcurrentlyontitletoreal
property.Personsmaybeontitleofamanufacturedhomeunit,whoareplnnningtosellthe
tmitmspartofbuyingahomelocated on realproperty. Documentationofhomebuyerstams
willberequiredfora11homebuyers.Note.Jurisdictionswit
h ClmGfundedprogramsrz
wy
develop theirowndefnitionsofaneligiblehomebuyer,and maychoosetotzs
ufxfeligible
homebuyers who are not '
Trst-time' homebuyers. HOME- and CalHome-funded
Provmnsare requiredto usethe following delnition ofan eligiblehom ebuyer,which isa
çvfirst-timehomebuyer''9om 8201(k)Title25CatiforniaCodeofRegulations:
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Fi
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re
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s
purchmseofahome with subsidy assistance,exceptthatthe following individualor
individualsmay notbeexcluded from consideration asaErst-timehomebuyerunder
tbisdefinition:
1. a displaced homemakerwho,while a homemaker,owned a hom e with
hisorherspouseorresided in ahome ownedby the spouse.A displaced
homemaker is an adultwho has not,within tlw preceding two years,
worked ùn a full-time basis as a member ofthe labor force for a
consecutive twelve-month period and who has been tmemployed or
underemployed, experienced dio culty in obtaining or uprading
emplom entand worked primarily withoutremuneration to care forllis
orhçrhomeandfamily;
2. asingleparentwho,whilemarried,owned ahomewithllisorherspouse
or resided in a home owned by the spouse. A single parent is an
individualwho isunmarried orlegally separated 9om aspouseandhas
oneormoreminorchildrenforwhom theindividualhascustodyorjoint
custody orispreglant;and
3. anindividualorindividualswho ownsorowned,asaprincipalresidence
during the tbree-year period before the purchase of a home with
aSSiStance,adwelling zmitwhose structureis:
a. not pennanently am xed to a permanent foundation in
accordancewith localorstateregulations;or
@
Version:July2005
b. notin compliancewith state,local,ormodelbuilding codesand
cnnnotbebroughtinto compliancewith such codesforlessthan
thecostofconstructingapermanentstructure.
3.0. HOUSIN G IJNIT ELIGIBILITY
3.1. LOCATION AND CHARACTERISTICS
A. Housingunitstobepurchasedmustbelocatedwithin thetmincorporated areasof
NevadaCotmty.
B.
HousingunittypeseligibleforthehomebuyerProvam arenew orpreviously
owned:single-familydetachedhouses,half-plex,duplex,tri-plexorquad-plex
houses,condominitlms,ormanufactured homesinmobilehom eparks,in acommoninterestdevelopmentsoron asingle-family 1otand placed on apermanent
foundationsystem.HOME doesnotallow mu ufacturedhomesunlesson a
permanentfotmdation system.
k%7 c
.
A11housing urlitsmustbein compliancewith Stateand localcodesandordinances.
D.
Hous)ngunitslocatedwithina100yearfloodzonewillberequiredtoprovideproof
oftlood insurancein ordertocloseescrow.
3.2. CONDITIONS
*
@
A. ConstructionInspectionandDetermirlingNeedforRepairs.
h :
9)
Oncethepm icipatinghomebuyerhasexecuted apurchase aveementforahousing
unitnotrequizing pm icipation in Sponsor's housing rehabilitation prornm, and
priortoacommitmentofProram funds,thefollowinjstepsmustbetakenforthe
housingurlittobeeligible forpurchaseutldertheProvnm :
1)
n e Prog'
am Operator's cons% ction inspector will wm through the
housing unit,detennine if it is structurally sound,and identify any code
relatedand health andsafety defcienciesthatneed to becorrected.A listof
coderelatedrepairi
temswillbegventothehomebuyersandtheirRealtorto
benegotiatedwith thesellen
2)
WhentheSponsor'sProram utilizesFederàlfundsandifthehousinguni
t
3)
A clearpest inspection reportwillbe required for each housing unit,as
requiredby theprimary lender. Sm okedetectorswillbeinstalled ifthereare
none in place. n e Program Operator willencomage each homebuyerto
sectlre a homeowner's warranty policy as partofthe ptlrchase ofa resale
housingunit.
was constructed prior to 1978 then the lead-based paint requirements of
Section3.2.E willapply.
*
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*
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6.
AJ
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4)
Uponcompletionofa11workrequiredbytheconstrucéon inspector,a15,
1a1
inspection willbeconducted priortocloseofescw w. Tlieinspedorwill
si> offon a11required construction work assuring thateach housing unit
receiving Program assistance isin compliance with localcodesand health
and safetyrequirementsatthetimeofpurchase andpriorto occupançy.
B.
ARerahome ispurchasedusing t
ll
isPropam (unless' a commitmentismadeto
rehabilitate thehome in conjunction with the. purchase)suçh home shallnotbe
eligible for the Sponsor's housing rehabilitation provnm,if any,for the relevant
period of affordability. Note..All three HCD programs allow purchase c?ztf
rehabilitation concurrently.
Note: ForHoMEfundedprograms-during t
heWrafyearafertherehabilitation
projectiscomplete,theSponsormaycommitadditionalfundstoaproject.Aherthe
'rx
ç/year,no additionalHOME funds may beprovided during the period of
ayordabilit
y (excepta homebuyer may beassisted to acquire a unitpreviousl
y
assistedwithHoMEfunds).
If the assisted homebuyer is acquiring and rehabilitating a home with Procam
ftmds:
1) '
I'
hehousi
ngunitmustbe9eefrom anydefectsthatposeadangertothehealth
andsafetyofoccupantsbeforeoccupancy(andforHoMEfundedprogramsany
defciencies mustbecorrected notlaterthan six monthsa#er the trans
p ris
madeto theownqr). Theconstruction inspectormustinspectthehousing unit
againatprojectcompletion.n ehousingunitmustmeetwritterirehabilitation
standardsandlocalcodesandordinancesatprojectcompletion(andforHOME
withi
nrwoyearsofpropertytrans
fertotheowner).
2) TheSpohsor'sHousingRehabilitationGuidelineswillbeadhefedto.
D.
Housingunitsizeshallbe suffcienttomeetthç needsofthehomebuyerhousehold,
without overcrowding. Generally, this means not more than two persons per
bedroom örliving room .
E.
Lead Based PaintHazards: A11housing tmitsbuiltpriorto 1978 forwhich HOM E
orCDBG fundi
ngisantici
patedaresubjecttotheréquirementsofthissection3.
2.E.
AA.
Such homes mustundergo a visualassessmentby aperson who hastaken HlD is
online VisualAssessmentcourse. DetM orated paintmustbe stabilized using work
safe methods. Clearance must be obtained after paint stabilization by à DHS
cert
ifiedLBPRiskAssessor/lnspector.(Note:TheSponsormaychoosetopickup
the cost ms an incentive to sellers who might not otherwise sellto a Progam
participant due to costs and potentialdelays due to dealing with lead-based paint
requirements.
)HOME andCDBG generaladmi
nistrativeandactivitydeliveryfunds
Y
may beused to pay for lead-based paintvisualassessments,and iflead mitigatijm
and clearancecosts are incurred,theseprogram smay incomorate thecostsinto the
Version:July2005
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for lead hazard evaluati
on and reduction activities onl
y for acquisition with
rehabilitationprogramswheretheproposedpaintstabilization measures do notadd
valuetothehome,anduponapprovalofrevi
sedregulationsexpeqtedtobeadopted
in April,2004,HOME willalso allow grantsforlead hazard evaluation c?z#
reduction activities that do notadd value to the homefor acquisition-on/
y
programs)
n e following requirémentsmustbemet;
1)
Notification: a)Priorto homebuyer'sobligation to pttrchasea pre-197t
hom e,theBuyerwillbegivenacopyofand askedtoread theEPA pamphlet
nG
protectYourfamil
y From Lead in Your Home''
.(EPA 747-K-94-001j
September 2001) A sired receiptof the pamphletwillbe keptin the
Sponsor'shomebuyerfle;b) A noticetoresidentsisrequiredfollowing a
risk assessment/inspection using form DHS 8552,which isprovided by the
DHj-cert
ifiedItiskAssessorc spector;c) anoticetoresidentsisrequired
following lead-based paintmitigation work using VisualAssçssment and
Lead-baséd PaintNoticeofPreszlmption and Hazard Reduction fonn,LBP -
1(AttacbmentJ).
@
2)
Do
h
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ss
ci
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mei
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e
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,
Disclosure''noticemustbeprovidedbythesellertothehomebuyer.
3)
lnspections: n e lnspector shallconducta tçvisùalAssessment''ofa11the
dwelling unit'spainted surfacesin orderto identify deteriorated paint.A11
deterioratedpaintwi
llbestabilizedinaccordancewithCFR 35.1330(a)and
(b);andaClearanceshallbemadeinaccordancewithCFR 35.1340.
4)
M itigation: lf stabilization is required, the conkacwtor pedbnning the
mitigation work must use appropriately trained workers. Prior to the
contractorstartingmitigation wprk the Program Operatorshallobtain copies
of the contractor's and workers' appropriate proof of LBP kaining, ms
applicableto thejob in orderto assurethatonly qualiGedcontractorsand
workersareallowedtoperform themitigation.
5)
Purchase Contract Contingency Language: Before a homebuyer is
obligated underany contractto purchase a pre-1978 housingunit,theseller
shallpermitthe homebuyera lo-day period (unlessthepartiesmutually
avee,in writing,upon a different period of time) to conduct a risk
assessmentor inspection for the presence of lead-based paintand/or lead-
based painthazards. (See Attachment G for sample lead-based pai
nt
@
+-4 version:puly2005
.
contractcontingencylanguage).
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r
.
lnthiscasethepurchasecontractcontingencylanguageisnotrequired.
TheProvam Operatorwill:1)èonsrm thatthehousingunitiswithintheeligible
area,and 2)willreview each proposed housing unitto ensure thatitmeetsa11
eligibilitycriteriabeforefunding.
3.3
ANTI-DISPLACEM ENT POLICY AND RELOCATION ASSISTANCE
Eligiblehomeswillbethosethatarecurrentlyowneroccupied orhavebeen vacantforfour
months prior to the acceptance of a conkactto pmchase. lt is not anticipated that the
implem entation ofth: Propam willresultin thedisplacementofany persons,households,
orfamilies.However,iftenantoccupiedhomesareincludedintheProgiam andrelocation
becomesnecessary,the activitywillbecarriedoutin compliancewith Sponsor'srelocation
plan which describes how those pennanently displaced willberelocated and paid benefts
inaccordancewiththe followipg Federallaws.
A.
Uniform Relocation Assistance(URAIand RealPropertyAcquisition Policies
Actof1970
n efederalURA andRealPropertyAcquisitionPolicies,asamendedbytheU.RA
Amendments of 1987, contains requirements for ce ng out real propert
y
acquisitionorthedisplacementofaperson,regvdlessofi
ncomestams,foraproject
orprovam forwhich HUD snancialassistance (includingCDBG andHOME)is
provided. Requirements goveming realproperty acquisition are described in
ChapterVIIl. The implementing règulations,49 CFR Part24,require developers
and owners to take certain steps in regard to tenants of housing to be acquired,
rehabbed or demolishedi including tenants who will not be relocated even
temporarily.
B.
Sectionlo4td)oftheHousingandCommunityDevelopmentActof1974
Section 104(d)requireseachconkactor(CHDO orStateRecipient),asacondition
ofreceiving assistance under HOM E or CDBG,to certify thatit is following a
residentialanti-displacementplan and relocation assistanceplan. Section 104(d)
also requires relocation benefts to be provided to low-income persons who are
physically displaced oreconomically displaced astheresultofa HOME orCDBG
assisted project,and requiresthe replacementoflow-incomehousing,which is
demolishedorconverted.n ei
mplementingregulationsforSectipn 104(d)canbe
fotmdin24CFRPart570(a).
3.4. PROPER NOTIFICATION AND DISCLOSURES
A. Upon selection ofahousingunit,aqualifedsellerand homebuyermustbegiventhe
necessary disclosuresfortheProvam .n ehomebuyermusthavereadand sigled
Version;Jul
y2005
,.
,:
a11Program disclosme forms. Any and a11property disçlosuresmustbereviewed
andsiredbythehomebuyerandseller.(SeeAttachmeptsforSampledisclosuresy
)
B.
A11ownerswho wish to selltheirhousingtmitsmustreceive an acquisition noticç
#
(Att
achmentH)priortosubmissionofthehomebuyer'sori#nalofer.'
Fllisnotice
willbe included in the conkactand mustbe signM by a11owners on title. n e
disclosvemustcontain t
he itemslisted in 1.
3.B.(Requiredfor federally ftmded
Propnms.
4.0. PURCHASE PRICE LIMITS
n epurchasepricelimitsforthisProram is$417,050.
Z'
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-a
nyderCa
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nd ME
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Fo
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.
Programs,thepurchasepricecannotcxccc:100% ofthçareamedianpurchasepriceas
established by comparablesalesorinformati
onprovided by the Cc/t/ùr/lfcRealEstate
AssociationiforHoMEfundedProgramsthevalue(withorwithoutrehabilitation)cannot
cxccc##Jpercentofthearea medianpurchaseprice- seeAttachmentC. Sponsormay
choose to establish lower limit
s (/'itseesJf. Sponsor isnotrequired to establi
sh a
PurchaseprièelimitforsolelyClm GfundedPrograms.
Att
achmentC:
M PURCHASE PRICE /AFTER REHAB VALUELN ITS(as
ofJuly 6,2005) Sponsor will update these l
imits nnnually as HUD provides new
@
informatjon.
'
5.0. THEPRIMARY LOAX
.
@
.
Prior to obtaining a loan 9om the Sponsor,a homebuyer mustprovide evidence of
fnancing forthemaximum amountthe Primary Lenderiswilling to loan (theççprimary
10m1'
3
5.1. QUALIFYW G RATIOS
.
primary loansundenvrittenby FHA,USDA RuralDevelopment,FannieM ae,FreddieM ac,
or CaIHFA will be acceptable to establish creditwortlliness,repayment ability, and
dependabilityofincome.Note.F'
a/neoftheaboveprimary/tpan,
salk=c#,itwill& up to
tke x
sy/rzsor.
sto establish theh'
ont-and back-end ratiosthatwillbe qllowablein their
program. n e ratios are calculated on the borrower'
sSxed monthly exrcnac, to the
household'
sgrossmonthlyincome.
n e fw nt-end ratio shallbebçtween 28% and 40% and isthe percentage ofaborrower's
gossmonthlyincomemeforedeductions)thatwouldcoverthecostofPlTl(10% principal
andinterestpam ent+ property taxes+ propertyinsurance).Note:Fàèborrowerwould
xc/t/
.
kft
heproposedmonthl
yPlTlpaymentwcrc40% orlessthantheborrower'
sgross
monthly income.
n e back-end ratio shallbe between 41% and 54% and is thepercentageofaborrower's
@
ossmonthlyincopethatwouldcoverthecostofPITIplusanyothermonthlydebt*
/)% ,versi
on:Jul
y2005
pam entslikecarorpersonalloansandcreditcarddebt.Note:Qual# ingratiogl
lle/fne
.
a
canbew
çtpzzlc
ns/lf
p/yzaxf:/cdepending ontheloan-to-valuerati
os. n chighertheJ,FM the
moreconservativetheratiosshouldbe.21qualhingratiohigherthantheguidelinesmay
beacceptable (/'therearecompensatingfactor. Some cx:vwlc,
sof compensatingfactors
are:1)theprospectivehomebuyerllJ,
:successfull
ydemonstratedthatovera minimum 12onthperiodtheabilit
ytopayhousingèostsequaltoorgreaterthantheproposeàmonthl
y
housing costsforthehometobepurchased;2)theprospectivehomebuyerisalimitedz/
acr
ofcreditandtheyshow ahistoryofbeingabletosavemoney;3)therewillbenomorethan
a5% increasein theprospectivehomebuyer'shousing carenâ'c.
5.2. PRIM ARY LOAN INTEREST RATE
Theinterestrateoftheprimaryloantandtypeofloplshallbedeterminedbytheprimary
lender.Ifç%
lkiskRatès''areapplied(aninterestratethatreflectstheprimmy lender'sloan
risk)eachloanshallbeeval
uatedbytheSponsoronacasebycasébasis.
Note.forHoMEfundedprograe ,uponapprovalofrevised rcgz//
lzfon,
sexpected to be
adopted inApril,2004,thecuTrentvlcr/cc/rate?Allz.:/beevidenced A.ytheEyectiveRateplus
50basispointslistedin theFederalHousingFinanceBoard '
smostrecentMonthly Interest
RateSurveyfortheSanFranci
scoDistrîct,andnotemporary interestratebuk-downsare
peA itted.
5.3. LOAN TERM
n eprimary loan shallbefully amortized andhaveaterm çtalldueand payable''inno fewer
V
F-
t
ZPZI30years.nereshallnotbeaballoonpaymentduebeforethematuritydateofthe
Proramloan.
Note. oneexception underCDBG and CalHomefunded Prograntsisthatsponsormay
incorporateintoitsguidelinesashort
erfczwlforIoanstopurchasemanufactured homes
notonpermanentfoundatiou...5.4. IM POUND ACCOUNT
A11householdswillberequiredtohaveimpotmd accotmtsforthepam entoftaxçsand
insurancetoensuretheyremàincurrent.
6.0. THE PROGRAM LOAN
6.1. M U IM UM AM OUNT OF PROGM M ASSISTANCE
The amountofProvam assistanceto a homebuyertoward purchase ofa home shallnot
exceed $100,000. Any approved çvant''amotmtfor lead-based paintevaluation and
-
%
reduction activities or for closing costs shallbe included in this amount. Note.. F/lc
Cal
Homeand CDBG Programsdo nothave aspec6csubsidy limit,butSponsorrzll
/af
establish a subsidy limitfor the localProgram. F/lcfollowing HOME subsidy limits
(updatedeachyearbyHUD)controltheamountOJHOME Program assi
st
ancethatmaybe
provided to a Program homebuyer. The loan amountmay be lower than the Cozfz;/.v's
HuD-published limits.
Att
achmentD:HOMESUBSIDY LIMITSPER UNIT- SECTION 221(d)(3)
Version:July2005
@
6.2. NON-RECURRING CLOSG G COSTS
Non-recurring costssuch ascreditreport,escrow,closing and recording tees,and tiile
reportand titleinsurance,titleupdatesand/orrelated costsmay beincluded in the Pror am
loan.
6.3. AFFORDABILITY PAM M ETERS FOR BW ERS
V
T
heacmalamountofabuyer'sPropam subsidyshallbecomputedaccordingtothe
housing ratio parametersspecifed in Section 5.1. Each borrower shallreceive orily the
X.
subsidy needed to allow them to becomehomeownersCthe Gap''
)while keeping their
housing costs affordable. The primary lenderwilluse the Sfont-end ratio''ofhousinp
expense-to-income to determining the amotmt of the primar.yloan and,uliimately,the
Proram subsidyamountrequired,bridgingthegapbe>eent
hepurchasepricç(lessdown
Payment)andtheamountoftheprime loan.
'
.
6.4. RATE AND TERM SFOR PROGM M LOANS
A11Prov am assist> cetoindividualhouseholdsshallbeinadein the form ofdeferred
pam ent(interestandprincipal)loan.Below inA andB arethetwot
ypesofintereststhat
Fx
Q
a
a
l
wàme
edoln
t
heP
rhoerhaommelo
ny.erne
orrbmeaoyfe
eecdtt
o
deoAbooth
p
e
tlb
tnoont
or
ne
t
hl
eo
s
oa
n.
'F
ba
u
maS
yp
eo
in
ths
e
fel
r
t
yp
rt
By
(e
ej
xpo
lf
ai
in
nt
ee
dr
bs
e
ou
w)
theirProram loan.
'
@
$
ne
Progranàloan'sterm shallbeVforatleastaslongastheprimaryloan. ne
interestrate(forCalHomeandHO Erangingfrom 0to3percent)shallbe3% (to @
beestablishedhere,dependingoptheHCD Propam t
heSponsorwill.
beusing).A11
Program loan payments shallbe deferred because the borrowers willhave their
repam entability fully utilized underthe primary loan. Note:The Sponsor may
allow for#venessofa11oraportionoft
heaccruedinterestmspartofaloèalprovam
desir . Loan principalshallnotbe forgiven,lmlessallowed by statute. ln lieu of
making loans bearing a fixed rate of interest, Sponsors may instead
chargecontingentdeferredinterestin theform ofshared nd appreciation assetforth
i
nSectionB (CalHomeonly).
B.
OptionforSharedNetAppreciation
Sharednetappreciationmaybeofferedasanaltem àtivetothestandardloantermà
inSection6.4.
A.,above,onlywiththefollowingterms(CalHomerequirement):
Grossappreciation iscalculated bysubkactingthe originalsalespfice9om
thecurrentsalespriceorthecurrentappraised valueiftheloan accelerating
eventisotherthm1saleoftheproperty;
Netappreciation iscalculatedby subkactingtheseller'sapplicable closing
@
.
.j. Version:July2005
costs,seller'scashcontributionintheoriginalpmchasekansaction,the, @
*-..
' #1 )
valueofseller'ssweatequity,ifapplicable,andthedocllmentedvalueof
capitalimprovements9om thegpssappreciatioh nmount;
3)
The Sponsormay only claim repaymentofthepdncipalandaportion ofthe
netappreciation.Thatmaximum portion ofthenetappreciation wllich m ay
beclaimedbytheSponsorisequaltothepercentageofthçvalueofthe
homesnancedbytheProg'am loan.n atis,iftheloan equals20% ofthe
initialvalueofthehome,amaximtlm pf20% ofthenetappreciation m aybe
charged by thesponsor;
4)
In anyloanwheretheProgram loan istheonly subsidy,theborröwercsnnot
berestrictedfrom sellingthehomeatiisfairmarketvalueatanytime;
5)
Loansshallhaveaterm atleastaslong asthePrimary loan.
6.5. LOAN TO VALUE M TIO
The appraisedvalue willbe compared to the purchase price to ensurethatthe combination
X (yj o
fthe:rstpurchàsemortgageandthesecondDAPloandonotexceed100% ofthe
appraised value.
,
For CalHome Provam loans,ihe loan-to-value ratio,when combined w1:11a11other
indebtedness tobesecured by theproperty,shallnptexceed 100 percentofthe salesprice
plusamaximum ofupto 5percentofthesalespricetocbveractualclosingcosts.
# 7.
0.PROGRAMLOANREPAYMENT
. .'
7.1. PAYM ENTS ARE VOLUNTARY
Borrowersmàybe#nmatingvoltmtarypaymentsatanytime,upopnotilcationtoand
appyovaloftheSpopsor.
7.2. RECEIVING LOAN PAYM ENTS
A. Program loanpam entswillbeinadeto:
CotmtyofNevada,CDM -lousingDivision
950M aidu Avenue
NevadaCity,CA 95959
C. 'l'hè Sponsorwillbe the receiverofloan paymentsorrecapture funds and willmaintain a
financialrecord-keeping system torecord pam entsand 5le statements on pam entstams.
Pam entsshallbe deposited and accounted forin theSponsor'sProvam Income Account,
as required by a11three HCD provams. The Proram lender willacceptloan pam ents
from borrowerspr#aying deferred loans,and âom bofrowersmaking paymentsin full
upon saleortransferofthe property. A11loan pam entsarepayableto theSponsor. n e
Sponsormay at its discretion,enterinto an apeementwith a third party to collect and
#
dis
t
ri
but
epayment
sand/
orcompl
etea1l
oanservi
ci
ngaspectsoft
hePr
ogr
am.
Version:July2095
@
D.ResaleorRecapmreRestrictions:A11HOM E loansmustusetherecapturemethod,unless
thepropertyisin aCommunityl-qndTrustorinaco-operativeownership form .Local
govemmentloansmayuseresaleconkol,providedthattheHOME loan isstructured
according to thetermsofHOM E M anagementM emo 04-01
Q?
@
7.3. DUE UPON SALE OR TRANSFER
A. Loansaredueuponsaleortransferofti
tle(unlessassumableasinB below)orwhen
borrowerno longeroccupiesthe homeashis/herprincipalresidence orupon the loan
maturitydate. n eloanwillbein defaultifthebonowerfailstomaintainrequired ;re
ortlood insmanceorfailstopaypropertytaxes. SeeAttacbmentE on loan defaultsfor
furtherinformationonproperty resictions.
B. Provam loansmay ormay notbe assupable according to the HCD prov am and the
loan documents.
7.4. LO> SERVICING POLICIESAND PROCEDURES
see AttachmentE forlocal loan sekvicihg policies and procedmes. W hile the attached
Policy outlines a system thatcan accommodate a crisis tlptrestrids borrowerrepam ent
ability,itshould in nowaybemisunderstood:n eloan mustberepaid. A11legalmeansto
ensme the repam entofa delinquentloan asoutlined in the Loan Servicing Policiesand
Procedureswillbepursued.
7.5. LOAN M ONITORU G PROCEDURES
L
ky
sponsorwillmonitorBorrowersandtheirhousingunitstoensmeadherencetoProgram
requirementsincluding,butnotlimitedto,thefollowing:
A.
B.
C.
Ownc-occupancy
Pmpertytax payment
Hazardinsurancecoverage
8.:. PROGRAM LOAN PROCESSG G AND APPROVAL
A. 1,0a11Processing
A11homebuyersortheirrepresentativeswillbesentoutanelisbilitypacketwit
ha11
thenecessary forms,disclosures,information,andapplication. Tlwy should submit
a complete application packet with a11 the Sponsor's Progrnm loan documents
executed as wellas a1lthe information 9om the Primary Lender. n e Primary
Lender should submit: 1) accepted property sales contactwith proper seller
notifcation;2)mortgage application with good faith estimatesandfirstmortgage
disclosures;3)fullmortgagecreditreport;4)currentthirdpartyincomeverifcations
andverifcationsofassets;5)homeownershipeducationcertifcate,ifapplicable.
B.
Creditwoe ness
Qualif
yingratiosareonly arough guidelineindeterminingapotentialborrower's
@
'
credit-wort
hiness.Manyfactorssuchasexcellentorpoorc'
redithistory,amountof@
version:July2005
z
r
,.
hx
S
.oy)
g
down pam ent,andsizeofloan willinfluencethedecision to approveordisapprove
a particularloan.n eborrower'scredithistorywillbereviewedby theSponsorand
documentationofsuch maintained in the loan fle.TheSponsorm ay electto obtain
a creditreportorrelyon acurrentcopyobtainedbytheprimarylender.
Documents9om PrimaryLendei
Theprocessofcollecting docllmentswillbefollowed asoutlinedin Section 1.2.
D
DisclosureofPropam and Loan Information toHomebuyers
'FheProvam 'sapplication and disclosure formswillcontain a summary oftheloan
qualiscationsbftheborrower.
8.1. COM PLETION OF UNDERW RITING AND APPROVAL OF PROGM M LOAN
Oncetheloan approvalpackage hàsbeen completed theProgram Operatorwillsubmititto
the Sponsor for approval. Sponsor willreview the request and may approve itwith or
withoutconditions.Uponapproval,afnalclosing dateforescrow issetandProg'am ftmds
areaccessed forthehomebuyen
8.2. PRIMARY AND PROGM M LOAN WOCUMENT SIGNG G
n ehomebuyerts)si> bothpromissorynotes,deedsoftrust,andstatutorylendingnotices
ttruthinlending,etcetera);thedeedsoftrustarerecordedwiththeCountyClerkmecorder
atthesametime,andtherequestts)forcopyofnoticeofdefaultarealsorecordedwiththe
Cotmty Clerk/Recorder.
'
8.3. ESCROW PROCEDURES
n e escrow/title company shallreview the escrow instruction provided by the Program
lender.
and.shallissueaCalifomiaLandTitleAssociation(CLTA)andtheAmerirmn I>nd
TitleAssociation (ALTA)afterclosing.TheCLTA policyisissuedtothehomebuyerand
protectsthem againstfailme of title based on publicrecords and againstsuch unrecorded
risks as forgery of a deed. The ALTA is issued to each lender providing additional
coverage for the physicalaspectsofthe property aswellas thehomebuyer's title failure.
n eseaspectsinclude anytlling which canbedetermined only by physicalinspection,such
ms correctsurvey lines;encroachments;mechanics liens;mining claims and water rights.
TheProgram lenderinstructstheescrow/titlecompanyin theescrow ins% ctionsasto what
mayshow onthepolicy;theamountofinsuranceonthepolicy(a11li
ensshouldbecovered)
andthelosspayee(each lendershouldbe listed asalosspayeeand receive anorigi
nal
ALTA).
9.0. SUBORDW ATE FG M CING
subordinateloansmay be used to covermortgage subsidy costs thatexceed the Prov am
maximum loan am ount. A11subordinate liensmusthave the pam ents deferred and the
tenn mustbeforatleastaslong astheterm ofthe Program loan.
Version:July2005
Ul
éC!
10.0. EXCEPTIONS AND SPECIAL CIRCUM STANCES
10.1. DEFINITION OF EXCEPTION
Anycase to whicha standardpolicyorprocedure,asstatedin theguidelines,doesnotapply
oran applicantkeateddiferently from othersofthesame classwouldbean exception.
10.2. PROCEDURE FOR EXCEPTIONAI,CIRCUM STANCES
A. n e Sponsororits agentmay initiate consideption of an exception and prepare a
report.n isreportshallcontain anarrative,including theSponsor'srecommended
courseofaction andany written orverbalinformationsuppliedby theapplicant.
B.
n e Sponsor shall make a determination of the exception based on the
recommendation of the Prog'am Operator. The request can be presented to the
Sponsor'sloancommitteeand/orgov= injbodyforadedsion.
11.0. DISPUTE RESOLUTION AND APPEALS PROCEDURE
Anyapplicantdeniedassistance9om thePromam hmstherighttoappe .Theappealmust
bemadeinwriting.Sponsorhasj0daystoreview theappeal,seekrecommendationsâom
theloan committee,orifnone,the sponsor'sgovemingbody,andrespond in writingto the
aPPlicant.
@
@
@
@
.
JR version:Jul
.
y2005
'V.x
3IY'
AttachmentA
24 CFR Part5 ArmuallncomeInclusionsandExclusions
PM 5 lnclusions
Thistable presents the Part5inçome inclusionsasstatedintheCode ofFederalRegulations.
Generalcategoa Statementfrom 24cFR5.609paragraph(b)(Ap4iIk,1998)
1.lncome from
ges,salaries,
tWia
ps,etc.
vhefullamount,beforeany payrolldedudions,ofwagesandsalaries,overtime pay,commissions,
fees tipsand bonuses, and othercompensationforpersonalservi
ces.
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XE.IO
Ut
Sh
iOenrSFederal Amotintsspecifically excluded by anyotherfederalstatute from consideration asincomefor
purposesofdeterminingeligibilityorbenefitsundera categoryofassistanceprogramsthatincludes
assistanceunderanyprogram towhichtheexclusionsof24CFR5.609(c)apply,including:
# Thevalueofthe allotmentmade undertheFoodStampAG of1977;
# PaymentsreceivedundertheDomesticVolunteerServiceAG of1973(employmenithrough
VIGTA.Retirpd KeniorVolllntmerProoram.FnKterGrandnarene Pronram.vnllthflllnffmnder
# Paymentsreceived underthe Alaskan Native Claims SettlementAct;
/ Paymenl from thedisposaloffundsoftheGrand RiverBandofOttawa lndians;
@
h Paymentsfrom certain submarginalU.S.Iand held in trustforcertainlndian tribes;
Payrnenl,rebatesorcredits receivedunderFederalLowllncomeHomeEnergyM si
stance
vru*
*
Version:July2005
Programs(i
ncl
udesanywi
nt
erdi
ferenti
al
sgi
ventotheelderl
y);
*
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-7
#
'Pr
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m
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,
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a
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o
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s
an0ce
ao
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nl
ls
ri
en
cc
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es
do
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er
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ee
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lr
ne
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iai
nd
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lai
ims
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d)
fo
1m
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0E
(n
Pe
ur
by
.LM
.9s
6i
-t
42
,9z
Stat.1785))
Thefirst$2,900ofpercapitasharesreceivedfrom judgementsawardedbytheIndianClaims
CommissionortheCourtofClaim:orfrom fundstheSecretaryoflnteriorholdsintrustfor
an lndiantribe;
Amoun?ofscholarshipsfundedunderTitleIVoftheHigherEducationad of1965,including
awardsundertheFederalwork-studyprogram orupdertheBureauoflndianAffairsstudent
assistanceprograms,orveteransbenefits;
# PaymentsreceivedunderTitleVoftheOlderAmericapsAG (GreenThumb,SeniorAides,
OlderAmericanCommunityServiceEmploymentProgram);
Paymentsreceived afterJanuary1,1989,from theAgentOrange SettlementFund orany
otherfundestablished pursuanttothe settlementintheIn ReAgentOrange productIiability
Iitigation,M.D.L.No.381(E.D.N.Y.);
.
Earned incometaxcredit;
Thevalueofanychild care provided orreimbursed underthe Child Careand Development
BlockGrantAd of1990)and
# Payments received underprogramsfundedinwholeorin partunderthe JobTraining
'
#
#
Version;July2905
PartnershipAG (employmentandtrainingprogramsfornativeAmericansandmigrantand
seasonalfarm workers,JobCorps,veteransemploymentprograms,Statejobtraining
programsandcareerinternprograms).
AtiachmentB
Part5 AnnuallncomeNetFamilyAss
etlnclusionsand Excluslons
'
Thistable presents the Part5 assetinclusions and çxclusionsasstated in the Code ofFederal
Regulations.
Statementsfrom 24 CFR Part5-April1,1998'
,
.
Inclusions
1. cash held inSavingsaccounts,checking accounts,safe depositboxes,homes,etc.For
savingsaccounts,usethe currentbalance.Forchecking accounts,usethe average 6-
month balance.
2. cash value ofrevocable trusts available to theapplicant.
3. Equity in rentalproperty orothercapitalinvestments.Equity isthe estimated current
marketvalue ofthe assetIessthe unpaid balance on aIlloanssecured by the assetand
aIlreasonablecosts(e,g.,brokerfees)thatwouldbeincurredinsellingtheasset.Under
HOME,equity in the family'sprimaW residence is notconsidered In the calculation of
assetsforowner-occupiedrehabilitationprojects.
4. cashvaluegfstocks,bonds,Yreasurybils,certi
ficatesofdepositandmoneymarket
accounts.
s. IndividualretirementandKeoghaccounts(eventhoughwithdrawalwoùldresultina
penalty).
@
6. Retirementand pensionfunds.
@
cashvalueotIi
feinsurancepolici
esavai
labl
e totieindi
vidualbeforedeath(e.g.,
surrenderval
ueofawhol
eIi
feoruni
vèrsalI
ifepoli
cy).
8.personalpropertyheldasan investmentsuchasgems,jewelry,coincollections,antique
cars etc.
9. Lump sum orone-time receipts,such as inheritances,capitalgainshIottery winnings(
victim'srestitution,insurance settlements andotheramountsnot intended.as periodlc.
Payments.
1O.MortgagesOrdeeds oftrustheld by an applicant.
Exclusions
Necessary personalproperty,exceptas noted in number8 oflnclusions,such as
clothing,furniture,carsand vehicles specially equipped forpersonswithdisabilities.
2. Interestinlndian trustIandy.
Assets noteffectivelyowned by theapplicant.Thatis,when assets areheld in an
individual'sname,butthe assetsand any incomethey earnaccrue to the benefitof
someoneelse who is nota memberofthe household and thatotherperson is
responsibleforincometaxesincurred on inqome generated by theasset.
4. Equity in cooperatives inwhich the family Iives.
@
Y%
@
version:July2005
ea D & )
>7r
a
5. Assets notaccessible to andthatprovide noincome forthe applicant.
6.Term li
feinsurancepol
icies(i.e.,wherqtherei
snocashvalue).
7. Assets thatare partofan active business.''Business''does notinclude rentalof
prpperties thatare held as an investmentand nota main occupation.
ATTACHMENT C
Maximùm PurcàasePrlce/AfterRehabValueLimlts
(1/03)
C
ountyNyme
NEVADA
.,
One-lpam.
.y
$417,050
u datedz-z*5
TwoFamil
Three.j
Faml
a mjj
Four-
Last
u jjate:
s4oc548+
$484155+
$600(mo.
.c2/1o/x c5
3-BDR
$164373
4-BDR
$180431
ATTACHMENT D
HOME SubsidyLimltsperUnit-Section221(d)(3)
(1/03)
COUNTY NAM E
NEVADA
O-BDR
$91155
I-BDR
$104491
2-BDR
$127060
*
Ver
si
on:Jul
y2005
(V7
9
$ L
Ao
Ta
Tn
AC
SH
er
MvE
ic
Nin
Tg
EPùliciesandProcedures
@
forCoqnty ofNevada
n eCountyof Nevada,hereahercalled %tender''hasadoptedthesepoliciesandprocedmesin
ordertopreserve itsfinancialinterestin properties,who's'tBorrowers''havebeen assisted with
Pùblicfunds.YheLenderwilltothereatestextentpossi
blefollow thesepoliciesandprocedmes
buteach loanwillbeevaluatedandhandled on acase-bpcasebasis.n eLenderhasfom mlated
thisdocumentto complywith stateand federalregulationsregardingtheuseofthesepublic funds
and anypropertyrestrictions,which areassociatedwiththem.
n epoliciesandproceduresarebrokendownintothefollow areas:1)makingrequiredmonthly
Paymentsorvoluntarypaymentsonaloan'sprincipalandinterest;2)requiredpam entofproperty
tuesandinsurance;3)requiredRequestforNoticeofDefaul
tona11secondmort
gages;4)loans
withsnnualoccupancyresictionsandcert
ifications5)requirednoticingandlimitationsonany
changesintitleoruseofproperty;6)requirednoticingandprocessforrequesti
ngasubordination
duringarefinance;7)processingofforeclosureincaseofdçfaultontheloan.
1. taor RepavAmnts:
n eLenderwillcollectmonthlypam ents9om thoseborrowerswhoareobligated todo sounder
@
Notes,wl
zichareamortizedpromissorynotes,(orLenderwilluse
loan
collectionCompanytocollectpayments).Latefeeswillbechargedforpam entsreceivedafterthe
assir edmonthly date.
ForNotes,which aredeferredpam entloans;the Lenderm ayacceptvoluntarypam entsonthe
loan. Loanpam entswillbecredited totheinterestfirstand then toprincipal.n eborrowermay
repaytheloanbalanceatanytimewith nopenalty.
2. PaymentofPropertvTaxpsand Insurance:
Aspartofkeeping the loan from going intodefault,borrowermustmaintain propertyinsumnce
coveragennming theLçnderaslosspayeein firstposition oradditionalinsured iftheloan isa
juniorlien.lfbonmwerfailstomaintainthenecessaryinsurance,theLendermaytakeoutforced
PlaceinsurancetocoverthepropertywhiletheBorrowerputsanew insurancepolicyin pln- . A11
costsforinstalling thenecessaryinsurancewillbeaddedto theloan balanceattime ofinstallation
ofBorrower'snew insurance.
w henaproperty islocated ina 100yearflood plain,theBorrowerwillberequired tocarrythe
necessaryfloodinsurance.A certificateofinsuranceforflood andforstandardpropertyinsurance
Wi11berequiredatcloseofescrow. '
lielendermayverifytheinst
zranceonannnnualbasis.
propertytaxesmustbekeptcurrentduringthe term oftheloan. lfthe Borrowerfailsto maintain
Pam entofpropertytaxesthenthelendermay paythetaxescurrentandaddthebalanceofthetax
PeymentP1
usanypenaltiestothebalanceottheloan.W hereverpossible,theLenderencomages
'q. V=ion:Jul
K
y
'2005
.
0tyy
Borrowertohaveimpoundaccountssetupwit
htheirfirstmortgageewhereinthey>aytheirtaxes
and insurance aspartoftheirmontlllym ortgagepayment.
3.ReguiredFequest-forNoticçofDefault:
W hen theBorrower'sloan isin secondposition behind an existing firstmortgage,itisthe Ixnder's
policy to prepare and record a ''Request forNotice of Default''for each se orlien in gontof
Lender's lpan. This documentrequires any seniorlien holder listed in the notice to notify the
lenderofinitiation ofa foreclosureaction. The Lenderwillthenhavetimeto contad theBorrower
and assistth% in bringing the frstloan current. 'Fhe Lendercan also monitor the foreclosure
processand go tbrough the necessary analysis to determineifthe loan e>n bemàde whole or
Preserved.WhentheLenderisinatll
irdpositionandreceivesnotifcationoftoreclosure9om only
oneseniorlien holder,itisin theirbestinterestto contactany otherseniorlien holdersregarding
thestatusoftheirloans.
AnnualOcczmancv RestridionsandCertifcations:
On someowneroccupantioanstheLendermayrequirethatBorrowerssubmitutilitybillsand/or
otherdocumentation annually to prove occupancy during theterm ofthe loan. Other loansmay
haveincomeandhousingcostevaluations,which requireahousehold todocumentthattheyare not
able to make repaymeilts,typically every lve years.n ese loan term: are incorporated in the
originalnoteanddeed ofA st.
5. ReguiredNoticinn nd RestrictionsonAnyChangesofTitleorOccupe cy;
In a11caseswherethereisachangein title oroccupancyoruse,theBorrowerGustnotify tùe
Lenderinwritingofanychange. Lenderandborrowerwillworktogethertoensurethepropertyis
keptincompliancewiththeoriginalProvam term sandconditionssuchthatitrem ainsavailableas
an affordablehome for1ow income families. These typesofchangesaretypicalwhep Borrowers
doestateplnnning(addingamlativeto title)orifaBorrowerdiesandpro/ertyistransferredto
heirsorwhentheproperty issoldortransferred aspartofabusinesskansaction. In som ecasesthe
Borrowermay moveandt'um theproperty into arentaltmitwithoutnotifying the Lender. Changes
intitleoroccupancymustbeinkeeping with theobjectiveofbenestto low-incopehouseholds
melow 80percentofAMI).
Change from owner-occupantto owner-occupantoccursatasale. W hen a new owner-occupantis
notlow-income,the loan isnotassumable and theloan balahceisimmediately due and payable.If
thenew owner-occupantqualifesaslow-income,thepurchasermay eitherpay the loan in fullor
assumea11loanrepam entobligationsoftheoriginalowner-occupant,subjectto theapprovalof
theLender'sLoanCommittee(dependsontheHCD program).
Ifa transferofthepropert
y occurstllrough inheritance,thehei
r (asowner-occupant)may be
provided the opportunity to assume the loan at an interest rate based on household size and
householdincome,provided theheirisin theTIG. lftheheirintendstooccupytheproperty and is
notlow-income,thebalanceofthe loan isdueandpayable. lftheheirintendsto actasan ownerinvestor,thebalance oftheloanmaybe converted to an owner/investorinterestrate and 1oan term
Version:July2005
WE ''
@
r
ae
nv
die
awrea
nt
dli
a
mpp
itr
a
otv
ioa
nlo
af
gt
rh
eemLent
di
es
r'
sigLo
l
ea
dnaC
no
dmre
mci
ot
rt
dedontitle.A11suchchangesaresubjecttot
e
he
.
change from owner-occupantto owner-investotoccurswhen an owner-occupantdecidesto m ove
outand renttheqssistedproperty,oriftheproperty issoldto apinvestor. lftheoFnerconvertsany
assistedunit9om owneroccupiedtorental,theloanisduein 111.
conversiontouseotherthanresidentialuseisnotallowablewherethefulluseofthepropertfis
changed from residentialto commercialorother. ln somecases,Borrowersmay requestthatthe
Lender allow fora partialconversion where some ofthe residence isused forabusinessbutthe
household stillresidesin theproperty. Partialconversions can be allowed ifitis reviewed and
approvedby any anda1lagenciesrequiredbylocalstamte.lftheuseofthepropertyisconvertedto
afullynon-residentialuse,theloanbalanceisdueapdpayable.
RepuestsforSubprdinations'
.
@
when aBorrowerwishesto refinancetheproperty,theymustrequestasubordination requestto the
Lender: The Lender willonly subordinate their loan when there is no A%cash out''as partofthe
refnance. Cmsh outmeans there are no additionàl charges on the kansaction above loan and
escrow closing fees. n ere can beno third party debtpay oFs oradditionalencumbranceon the
Property abovetraditionalrefnancetransaction costs. Furthermore,therefnanceshouldlowerth:
housing costofthehousehold with a lowerinterestrate andthe totalindebteznesson the propérty
shouldnotexceed thecurrentmarketvalue.
*
uponreceiving theproperdocum entation &om the refnancelender,therequestwillbe considered
bytheloancommitteeforreview andapproval.Uponapproval,theçscw w cpmpanyFillprovide
thepropersubordination documentforexecution andrecordationby theLender.
7. PrpcessforLo>pFoyççlshprç;-
Upon'anyconditionofloandefaul
t:1)nonpam ent;2)lackofinslzranceorpropertytaxpayment;
3)violationofrentlimitation agreement;4)changeintitleorusewithoutapproval;5)defaulton
senior loans,the Lender will send out a letter to the Borrower notifying them of the default
simation. lf the default simation continues then the Lender may start a formal process of
foreclosure.
W hen aseniorlien holderstartsa foreclosureprocess and theLenderisnotifed viaa Requestfor
NoticeofDefault,theLender,whoisthejuniorlienholder,maycanceltheforeclosureproceedings
by ''reinstating''the senior lien holder. The reinstatement amount or payof nmotmt must be
obtainedby contacting the seniorlieù holder. This amountwillinclude a11delinquentpayments,
late chargesand feestodate. Lendermustconferwith Borrowerto determine if,ùpon paying the
seniorlien holdercurrent,the Borrowercan provide futurepam ents. lftltisis thecasethG1the
Lendermay ctlrethe foreclostlreand addthe coststothe balance oftheloanwith aNoticeof
AdditionalAdveceontheexisting note.
@
ë48
,7
>
*
A.
version:July2x 5
)
,,.v%h
7
er -J
IftheLenderdetermines,based on informationonthereinstatementamountand statusofborrower,
thatbringing the loan current willnotpreserve the loan,then staf mustdetermine ifit is cost
elective to protecttheirposition by paying ofl-the serliorlien holder in totaland res% cture the
debtsuch thatthe unitismadeaffordableto theBorrower. lfthe Lenderdoesnothave sum cient
famdsto pay the seniorlien holderin 111,then theym ay choose to cure theserliorlien holderand
foreclose bn.fhepropertyth% yelyç.. AFlpngasthereissulcientvalue intheproperty,the
I-endercan aford to pay forthe foreclosm eprocess and pay ofl-the seniorlien holder and retain
someora11oftheirinves% ent.
lftheLenderdecidestoreinstate,theseniorlienholderwillaccepttheamounttoreinstatetheloan
upt
mti1five(5)dayspriortotheset'foreclostlresaledate.' This'foreclosuresalebate''usually
occursaboutfour(4)tosix(6)months9om thedateofrecordingofthe'NoticeofDefault-'Ifthe
Lenderfailstoreinstatetheseniorlienholderbeforefive(5)dayspriortpthefoçeclosuresaledate,
the scmior lien holder would th0 require a fullpay ofl-of the balance, plus costs,to cancel
foreclosm e. lfthe Lenderdeterminesthe reinstatementand maintenanceoftheproperty notto be
costeffectiveandallowstheseniorlien ùoldertocompleteforeclosure,theI-ender'sliçn maybe
eliminated duetoinsuo cientsalesproceeds.
LenderasSeniorLienholder
w henthe Lenderislrstposition asa seniorlien holder,activecollection efortswillbegin on any
loanthatis31ormoredaysinarrears.Attemptswillbe'
madetoassistthehomeownerinbrin#ng
and keeping the loan current. These attemptswillbe conveyed in an increasingly urgentmnnner
tmtilloan pam ents have reached 90 days in arrears, atwhich time the I-ender may consider
foreclosure. Lender'sstaffwillconsiderthe followingfactorsbeforeinitiating f'oreclosure:
,
1)Can theloanbecuredand can theratesand termsbeadjustedto allow foraflbrdable
paymentssuchthatforeclosureisnotnecessaY
2)CantheBorrowerrefinancewithaprivatelenderandpayofl-theLender?
3)CantheBorrowersellthepropertyandpayofftheLender?
4)Doesthebalancewarrantforeclosure? (Ifthebalanceisunder$5,000,theexpehseto
foreclosemaynotbeworthpursuinp)
5)Willthe sa1es price ofhome 'as is'coverthe pri
ncipalbalance owing,necessary
advances,(maintainfireinsurance,maintain orbring currentdelinquentpropertytaxes,
monthlyyardmaintenance,periodicinspectionsofpropert
yto preventvandalism,etc.)
foreclosure,andmarketingcosts?
Ifthebalanceissubstantialand a11oftheabovefactorshavebeen considered,the Lendermay opt
to initiate foreclosure. The Borrowermustreceive,by certified mail,a thirtpday notiscation of
foreclosure initiation. Tllisnotification mustinclude theexactampuntoffundsto be remitted to
theLendertopreventforeclosure(such as,fundstobringadelinquentBMX currentorpayofl-a
DPQ.
Atthe end ofthirty days,the Lendershould contacta reputable foreclosure service orlocaltitle
company toprepareand record foreclosuredocumentsand make a11necessary notiscations to the
owneranàjtmiorlienholders.TheservicewilladvisetheLenderofa11requireddocumentationto
Veaion:July2005
initiateforeclosure(NoteandDeedofTrustusually)andfundsrequired9om theownerto cancel
foreclosme proceedings. n e selvice will keep the Lender informed of the propess of the
foreclosmeprocezings.
w hentheprocessiscompleted,andthepropertyhas''revertedtothrbenefciary''attheforeclosm e
sale,the Lender could sellthe home themselves under a homebuyer proram of use it for an
affordablerentalproperty managed by alocalhousing authority oruseitforkansitionalhousing
facility orothereligibleuse. n eLendercould contractwith a localrealestatebrokerto listand
sellthehomeandusethosefundsforprovam incomeeli/blkuses.
@
@
@
@
,
V3>va,7 versi
on:July2005
..
.e*N'
'k
ï
/K
7'
RF'
ATTACH'M.
FNT F
SellersLead-Based PaintDisclosure
Disclosureoflnformation onLead-BasedPaintand/orLead-Based PaintHazards
Lead W arning Statement
Everypurchaserofanyinterestinresidentialrealpropertyon whicharesidentialdwellingwasbuiltpriorto 1978
isnotified thatsuch propertymaypresentexposureto leadfrom lead-basedpaintthatmayplaceyoungchildren
atriskofdevelopingleadpoisoning.Leadpoisoninginyoungchildrenmayproducepernmnentneurological
damage,includinglenrningdisabilities,reducedintelligencequotient,behavioralproblenw,and impaired
memory.Leadpoisoningalsoposesaparticularrisktoprerantwomen.Thesellerofanyillterestinresidential
realpropertyisrequiredtoprovidethebuyerwith anyinfommtion onlead-basedpainthnz>rds9om risk
assessmentsorinspectionsintheseller'spossessionandnotifythebuyerofanyknownlead-basedpainthnyluds.
A riskassessmentorinspectionforpossiblelead-basedpaintlmzardsisrecommendedpriortopurchase.
Seller'sDisclosure
(a)Presenceoflead-basedpaintand/orlead-basedpainthaards(check(i)or(ii
)below):
(i) Knownlead-basedpaintand/orlead-basedpainthazardsarepresentinthehousing(explain).
(ii) Sellerhasnouowledgeoflead-basedpaintand/orlead-basedpai
nthnz>rdsinthehousing.
(b)Recordsandreportsavailabletot
heseller(check(i)or(ii)below):
(i) Selerhasprovidedthepmchaserwi
tha11availablerecordsandreportspert
aini
ngto
Lead-basedpai
ntmld/orlead-basedpainthazardsinthehousing(listdocllmentsbelow).
(ii) Sellerhasnoreportsorrecordspertainingtolead-basedpaintand/orlead-based
*
painthnynrdsinthehousing.
Purchaser'sAcknowledgment(i
niti
al)
(c) Purchaserhasreceivedcopiesofa1li
nformstionlistedabove.
(d) PmchaserhasreceivedthepamphletProtectYourFnmily9om LeadixlYourHome.
(e) Purchaserhas(check(i)or(ii)below):
(i). receivedalo-dayopportlmity(ormutuallyareeduponperiod)toconductariskassessmentor
inspection forthepresenceoflead-basedpaintand/orlead-basedpainthny>rds;or
(ii)
.
waiyedtheopportt
mitytoconductariskassessmentorinspecti
onforthepresenceof
Lead-basedpaintand/orleadrbasedpainthnmnrds.
Agent'sAcknowledgment(initial)
(9 Agenthasinformedtheseleroftheseler'sobli
gationstmder42U.S.
C.4852dandisaware
ofhis/herresponsibilitytoensm.
ecompliance.
Certmcatlon ofAccuracy
n efollowingpartieshavereviewedtheinformation aboveandcertify,tothebestoftheiru owledge,thatthe
informationtheyhayeprovidedistrueand accmate.
*
Seller
Date
Seller
Date
INachaser
Ilate
Ihzrchaser
Ilate
Agent
Date
Agent
Date
Version:July2005
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sampleLead-Based PaintContractContingencyLanguage
n iscontactiscontingentupon ariskassessmentorinspection oftheproperty forthepresenceof
lead-basedpaintand/orlead-basedpainthazardsatthePurchaser'sexpensetmtil9p.m.on the
tenthcalendar-dayaherratifcation.Thisendingdateis:
. (lnsertdate10days
aftercontractratifcationoradatemutuallyareedupon).(Intactlead-buedpaintthatisingood
condition isnotnecessarilyahazard.SeetheEPA pampllletç%protectYourFsmily From Leadin
YourHome''formoreinformation.)
n iscontingencywillterminateattheabovepredetermineddeadlinezmlessthePurchmser(or
purchaser'sagent)deliverstotheSeller(orSeller'sagent)awritt
enconkactaddendum listingthe
specificexistingdefcienciesand correctionsneeded,togetherwith acopyoftheinspection and/or
riskassessmentreport.
n eSellermay,attheSeller'soption,within
daysaAerDelivery ofthe addendum,electin
writi
ngwhethertocorrecttheconditionts)priortosettlement.lft
heSellerwillcorrectthe
condition,theSellershallfumishthePurchaserwith certification &om arisk assessororinspector
demonstratingthatthecondition hasbéenremediedbeforethedateofthesettlement.lftheSeller
doesnotelectto makètherepairs,oriftheSellermakesacounterofer,thePurchmsershallhave
daystorespondtothecounter-oferorremovethiscontingencyanètakethepropertyinçças
@
is''conditionorthiscontactshallbecomevoid. 'I'hePurchasermayremovethiscontingency at
anytimewithoutcause.
@
Date:
Purchaser:
Date:
PropertyAddress:
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Version:July2005
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foracleartitletothepropertyunderconditionsdescri
bedintheattachedproposz
conkactofsale.
Becauseyiederalfundsmaybeusedinthepurchase,however,wéarerequiredtodiscloqetoyputhe
following information:
1. The saleisvoluntary.lfyou do notwish tosell,thebuyer,
thrutheagency,(nameofagency/
-sp-onsor)
,
willnotacquireyour
property.Thebuyerdoesnothavethepowerofeminentdomain to acquireyour
propertybycondemnation(i.e.eminentdomain)andtheagency/sponsor
willnotusethepowerofeminentdomain to
acquire theProperty.
2. Theestimatedfairmarketvalueofthepropertyis$
andwasestimatedby
obefinally determinedby a
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notenantwillbepermittedtopccupythepropertybeforethesaleiscompleted.
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n,plemseunderstandthatifyoudonotwishtosellyourpropertf,wewilltnkeno
furtheractiontoacquireit.lfyouarewillingtosellthepmpertyundertheconditions
descqibedin the attached conkactofsale,pleasesi> theconkactandremm itto usat:
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fyou haveanyquestionsabout
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at
Sincerely,
Title
Buyer
#
Date
Date
Buyer
Form continuesonnextpagewith Seller'sAcknowledr ent
Version;July2005
.
DlsclosuretoSellerwithVoluntan'
,Arm'sLengthPurchaseOffer(Page2)
@
Acknowledgem ent
*
AstheSellerVwe understandthatthe (ao liation and titleofin-s
m ector)will
inspectthepropertyforhealth andsafetydeficiencies.l/wealsounderstand thatpublicfundsmay
beinvolved inthistransaction and,assuch,ifthepropertywasbuiltbefore 1978,alead-bmsed
Paintdisclosuremustbesir edbyboththebuyerand seller,andthataVisualAssessmentwillbe
conductedto determinethepresenceofdeterioratedpaint.
AstheSeller,l/weunderstandthatunderthe(CountyofNevada's)program,thepropertymustbe
currentlyowner-occupied,vacantforfotzrmonthsatthetimeofsubmission ofpurchaseoffer,new
(neveroccupied),orrenterpurchasingthetmit.jlwqherebycertifythatthepropertyis:
(
Z)vacantatle%t4months;Z Owner-oçcupied;Z New;orZ BeingPurchmsedbyOccupant
Fweherebycerz!
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kthatIhavereadandtinderstandthlsaDeclaratlon'
'and Z acopyofsaid
Aticewasglven tomepriortothe o-f/e
'rtopurchase.Ifrecelvedajterpresentatlon ofthe
purchaseoffer,Fp'
echooseZ towithdraw orZ notrtlwithdrqwnfromthePurchase
Agreement-
@
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Date
Sqller
Date
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ATTACHMENT I
NevadaCounl
Instructionsto HomeBuyer
Participantworkswithlenderofchoiceto obtain theprimarylender'spre-qualifcationletter.
# x
.
th
B. Participantworkswithrealestateagentto selecthome. Propam disclosmesarereviewed wi
agm tforpresentation to seller. Preference willbe giveilto vacantorowneroccupied homes
ratherthG1tenantoccupied.
C.
Participantselectshomeandentersintoajurchmseconkact(contingentuponreceivingProgram
loanapproval).Lenderprovidest
heProgram Operatorw1t11acopyofè
realestatesalescontract
residentialloap application
-c
reditreport
- ve
rifie incomedocumentation
- di
sclosurestatement
- pr
oofofpersonalftmdsforparticipation inpropam
- br
eakdown ofclosingcosts
-s
% ctumlpestcontrolclenmnce
- a
ppraisalw1t11photos
- es
e w ins% ctions
- pr
eliminarytitlereport
-
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.
D. Program Operator revi
ews paper work to determl
ne provam eli#bility and financi
ng
afordabilityforyarticipantetc.
E.
Provam Operator staF meetswith qualifed appliexntto provide information relative to the
program requirements,thelending process,andhomeownershipfesponsibilities.
Provam Operator hms'home inspected (if necessyry) to meetHQS or code complisne,
e
(dependentupont
heprovam).NdticéofanfdefcienciesorneededcùrredionsareWvento
participant'srealestateagent,withrecommendM cotuseofaction.
'
G.
Provam Operator requests loan approval &om Sponsor's CAO.Following loan approval,
Program Operatorprepares Deed of Trast Promissory Note,Notice of Default Grant
Aveement,Owner OccupantAgreementw1t11Cotmty,requestschœksand depositssame
intoescrow.
H.
Escrow company GmishesProgram Operatorwithproofofdocumentstoberecorde ,andany
escrow close outinformation. After receiptofrecorded loan documents,HUD 1,lnsurance
LossPayeeCertifcation and FinalTitleInsurancePolicytprog'
am Operator)closesoutthe
loan file.
Version:July2005
'
6
,
..
Form LBP -1
ATTACHMENTJ
LEAD-BASED PM M'
VISUALASSESSMENT,NOTICE OFPRESUMPTION AND HAZAQDREDUCTION FORM
section 1: Back round lnformation
Pro
Address:
selectone:
VisualAssessment D
Presum tionD
No LBP found orLBP exem tD
HazardReductionD
section 2:VisualAssessment.FilloutSections1,2,and 6.lfpaintstabilization isperformed,alsp fi11out
Sections4and 5aherthework iscom leted.
VisualAssessmentDate:
R ortDate:
Check ifnodeteriorated aintfound D
AuachmentA:Summarywheredeterioratedpaintwasfound.Formulti-fsmilyhousing,listatlemstthe
housingunitnumbersandcommonareasandbuildingcomponents(includingtypeofroom orspace,andthe
materialtmderneath the aint.
section 3: NoticeofPresumption.FilloutSections1,3,5,and6. ProvidetooccupO tw/in 15daysof
esum tion.
DateofPresum tionNotjce:
Lead-based aintis resumedtobe resentD and/orLead-based ainthazardsare resume tobe esentD
AttachmentB:Summary ofPresumption: Formulti-familyhousing,listatleastthehousingunitnumbersand
commonareas,baresoillocations,dust-leadlocàtion,andorbuildingcomponents(includingtypeofroom or
s ace,andthematerialsunderneath the aint oflead-based aintand/orhazards esumed tobe resent.
ection4:NoticeofLead-Based PaintHazard Reduction ActiWty. FilloutSections1,4,5,and 6.Provi
tooccu antw/in 15da ofaherwork èom leted.
DateofHvardReductionNotice:
lnitialHazardReductionNotice? Yes D No D
Start& Completion Dates:
IftY o''' datesofpreviousHazard
ioh ActivityNotices:
. Reduct
,
AttachmeptC: Activitylocationsand types.Formulti-familyhousing,listatleastthehousing zmitnumbers
andcommonareas(formultifamilyhousing),baresoillocations,dust-leadlocations?and/orbuilding
components(includi
ngtypeofroom orspace,andt
hematerialunderneaththepaint),andthetypesofleadbased ainthazardreduction activities erformedatthelocation listed.
AuachmentD:Location ofbuilding componentswith lead-basednaintremainingin therooms,spacesorareas
whereactivitieswereconducted.
AttachmentE:Attach clearancer orts,usin DHS form 8552 and 8551forabatementactivities
section 5: ResidentRecei tofNoticeforPresum tion orLead-Based PaintHazard Reduction Activi
PrintedNnme;
Sir ature:
Date:
'
.
section 6: contactInformation
contad Nnme:
ate:
Address:
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Orgnnization:
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Phone:
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Elhibit85
FIRST-TIME HOMEBUYER PROGRAM FEASIBILIR
Insertrequired narrative behind this page.
@
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iOMEProgram Application(Rev.7/2005)
NevadaCounty2006Over-n e-counterFirstTimeHomebuyerHOME Application
EM TIBIT85
FIRST-TIMEHOMEBUYERPROGRAM FEASIBILIW
Section VlIl,D: Explain in detailhow theproposedprogram willmakeFirst-Time
Homebuyerunitsaffordableto low-incomefamllles.
. Expectedaveragesalesprice
AverageamountofHOME and/orAmericanDream mortgageassistancetobeprovided
. Averageamountofothermortgage assistancetobereceived
Averageamountoffrstmortgage
. E&tim atedmonthlyfirstmortgagepayment
Annualincomeofhouseholdsto be servedwith HOME and/orAmerican Dream
assistance.
Dueto thesignificantincreasesintheNevadaCountyhomesalespricesoverthepastseveral
years,ithadbeendifficultto effectively operatetheFirst-TimeHomebuyerPropam undertherules
thatwerein effectatthetime.Severalrecentprogram changesmadeatboththeStateand locallevel
havemadesignifcantpositiveimpactson theviability oftheNevadaCounty'sFirst-Time
Homebuyer(FTHB)Procam.Iftheseprogram changesremainineffect,weexpectcontinued
successin operatingtheNevadaCountyFTHB Proram.
Theneed forthesechangesaredueprimarilyto thesignificantincreaseinhomesalesprice
*
overthepastseveralyears.AccordingtoaFebnzary2,2006articleinthelocalnewspayer,lç
'
l'he
Union,''themediansalespriceinNevadaCountyrose19.5% in2005to$460,000,requlringnearly
$100,000inupgontcoststopmchaseahomeatthisprice.Sincewagesarenotkeepingpacewith
theseincreases,purchasingahomehasbecomeaseverechallengeformanyhouseholds,andnearly
impossiblefor1ow incomehouseholds.
Forttmatelyfor1ow incomehouseholds,theHOM E Program haswaivedthematch
requirementfortheirFTHBPropam.ThischangeresultedinasimplifcationoftheFTHB Provam
forprivatelendersand encouragedthem tobeactivepartnerswiththeCotmtyin thiseffort.Atthe
cotmtylevel,inJuly2005,theCountyobtained approvalto raisethemaximum salespriceinthe
HOMEFTHBPropam from $312,895to$417,050(SeeAttachment1).Additionally,the
maximum HOMEFTHBloanamountwasraisedfrom $60,000to$100,000.n esethreechanges
haveprovedtobeeffectiveinhelpinghouseholdssecmehomeownership.
SuccessoftheNevadaCotmtyFTHBProram hasbeenevidencebyareviewoftheProjrnm
operation statistics. Sincethethreekeyprop am changeshavebeenmade,thefollowingstatistlcs
reveal:
SinceOctober2005,five1ow incomehouseholdshavepurchasedhomesusingNevada
CountyFTHB funds.
. Theaverageassistanceamountis$97,290(Availablefundingisacombinationof2004
HOMEgranG ecapturedHOME/HOME PPADDIfunds).
@
. Therewerenootherhomebuyerassistanceproramsinvolved in thesesaleskansactions.
* Theaveragesalespriceis$334,100.
Themediansalespriceis$335,000.
. Theaveragefirstmortgageis$236,810.
@ Theaveragemonthlypaymentis$2,257.
NevadaCount
y2006Application(2005NOFA)
* TheaveragePGCGItOfallowablemaximum incomeis96.2%.
* W eaverageSalespriceasapercentageOfthemaximum allowable salespriceis80.1%.
@
Th
eCounty hasalsoobtainedthesinglefamilyhome salespricelistingforNevadaCounty
from February2005through February 2006.Thelistindicatesthattherewere 1,305tptalsalesin
thetmincomoratedareasofNevadaCountyduring thistimeperiod.Ofthe 1,305 sold,533,or
40.8% areunderthemaximum allowableHOME FTHB salespriceof$417,050.Additionally,there
were238(or18.
2%)homessoldundertheactualCountyFTHB Program mediansalespriceof
$335,000.Thesestatisticsshow thatthe1ow incomehouseholàswhocanaflbrdtopurchaseahome
in NevadaCounty areneartheupperlimitoftheFTHB Program,andthesehome salesstatisticsare
tmlikelyto substantially change. Currently,mostofthe1ow incomehousehold inourPropam have
onlybeabletoqualifyforhomeswhich aresignificantlylmderthemaximum allowableHOM E
salespriceof$417,
050.lnprojectingFTHB statisticsforthecomingProvam NOFA,certain
assumptionsaremade:
* FutureCountyhomesalespdceswillcontinuetorise,asthey havebeehdoing forthe
pastseveralyears),andthemedianhomesalespricewillcontinuetorise.
@
. TheHOM E Provam willcontinueitsmatch waiver.
. TheCounty FTHB Program Fillmaintainthesamemaximllm loanamount.
* The StateHousingPolicy DevelopmentDivision willnotmakesignifcantincreasesto
theincom efiguresfortheHOME Provam.lfHPD doesmakesignifcantincremses,it
willallow ahigherincomewhich willlikelyincreasetheaveragesalesprice,themedian
salesprice,theaveragefrstmortgage,and the firstmortgagepayment. ltislmknown
how anincreasefrom HPD willimpactthepercentageofbenesciaryhouseholds
maximllm allowableincomefigure,butitisassumed thattllispercentagewillremain
high.
A March24,2006%i
union'art
icleindicatesthatlocalhomesalesmarketmaybeflattening
out,butitistoosoontotellifthesenumbersreflectamarketkend,oriftheyarejustaresultofa
seasonallow.Eveniftheinediansalespriceconti
nuestoincrease,weexpecttocontinuetoenjoy
successin operatingtheNevadaCountyFTHB Program overthenextseveralyearsaslong asthe
threesignificantchangesremainineffect(mostnotablykeepingthematchwaiverineffect).With
18.
2% ofthehomessoldstillat,orbelow,themedianFTHB salesfigure(wbichisstillwellbelow
themaximum allowablesaleshomeprice),webelievewehaveseveralmoreRgoodyears''totake
advantageoftheHOM E FTHB Provnm to help1ow incomehouseholdssecurepermanenthousing.
Thetablebelow containstheanticipatedFTHB salesstatisticsforthenearfuture. Thesefguresare
based on currentFTBH Progrnm statistics.
ANTICIPATED FI'HB SALESSTATISTICS
Ex ectedavera esales rice
AverageamountofHOME and/orAmericanDremn mortgageassistancetobe
rovided
Avera eamotmtofothermorta eassistancetobereceived
Avera eamotmtofftrstmorta e
Estimatedmonthl ftrstmorta e a ent
STATISTICS
$ 334,100
$ 97,290
$
0
$ 236,810
$ 2,257
*
NevadaCounty2006Application(2005NOFA)
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Antici ated FI'HB SalesStatistics continued
AmmallncomeofhouseholdstobeservedwithHOME and/orAmericanDremm
Assistance
N,lmberofhomessoldbelow themaximum allowablehomesalespriceof$417,050
9om 2/05throu 2/06.
Statistics
96.2% ofthe
max.allowable
b famil size
533
Numberpf.hplpçhpld!çypçptedtobeservedwithHOME(and/orADDDoverthe
next30months.iit
sfigureincludesfi
vehouseholds9om the2004HOMEFI'
HR
ant(04-HOME-0747 and109omthisa lication.
15
Explain themethodoloa used- fo- rcalculatin-etheabovenumbers.
n emethodologyusedtocalculatethenumbersabovewerederived &om operation statistics
taken9om theCountyFTHBProram begi
nningwiththe2004HOME grant(04-HOME-0747).
seeAttachment1 forthesummarytableon thesestatistics.Additionally,theCountyobtained alist
ofhomessold in theunincorporatedareasofNevadaCountyfrom Februaa 2005tllrough Febnzm'y
2006 and usedthesefguresto calculatethemediansalespriceforthatperiodaswellasother
calculations.Finally,tw'o articlesfrom thelocalnewspaper,çtrfheUnion''wereused todemonskate
theheightened salespriceoverthepastyear.Al1supporting documentsarecontained in
Attachment1.
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NevadaCounty2006Application(2005NOFA)
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NEVADA COUNTY 2005HOM E APPLICATION
ATTACHMENT1
*
Item
HUD a rovaltoincreasethemaximum allowablehomesales
Emailfrom HCD HOME Pr a rovin homesalessurve for2/05 tllrou 2/06
Homesalessurve results
HOME ant304-110ME-0747 statistics
TheUnion articles
Pa e#
44
45
46
80
81
*
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916 322 2934
U.S.Depa* entofHouslagandtlrbanRevelopnwnt
SanFrandscoRelonalOfsce-RegioôIX
6Q0Harriso:Street
SanFrandsx ,œ llfe la* 107-1387
www.hod.gov
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CommunityAffairsDivision
P.O .Box :52054
Sacrsmento,CA 94252-2054
,
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Deat'
W .B:ttmncoaxt:
oW alueLimits;CountyofNevac Califoe a
SUB/ECT: PurchmsePri
HOM E lnvestmentPm nersMpsProp'am
W earcwritingtoadviscyouthatHo 'sEoonomicandM arketDivision
(EM ADIbascompleleditsreview ofthebousingsalesdatafortheperiod
@
February 12.2005,throughM ay 12,2095,subm ittedby theState on behalfoftbe Cotmty
ofN evadaandfoundittobeacco teandmpresentativeoflocalmarketconditionsinthc
county.EM AD hasfoundthattlm analysissupportsamediansalespriceof$439.000.so
95percentoftbeme ian yieldsarevigedHOME PtlrchasePriceLimitof$417.050.
#
.
Pleasenotethattherevisedlimitof$417,050maybeI'me'
dfoTsingle-fa il#
residences,butnotforcondominitlms.A median and 95pementvaluewouldhaveto be
calculated sepnmtely forcondominiums.
Thisnew limitmaybeUSC'dindefnitelyoruntilHUD andtheStateofœ ifomia
determinetllétitnolongerrepresents95pcrcentofthemediansalo priceintheConnty.
Ifyou baveanyques6ons,pleasecone t1.a* W uerstle.SeniorComm unity
PlnmningandDevelopmentRepresentativw at(415)489-6583.
Sincerely,
n
o
w
'
Angelo Tom
Director
-
Provam juppol
CommtmityPllmning and
DevelopmentDivision
@
cc:JanetCakech
avr.2e7.:.r.'ENelson-.R- E:FTHB OTC Qu.estion:Iast.12motsal
esprice?
From:
To:
Date:
subject:
'
. ..
''ChristinaDiFrancpsco''<cdifranc@hcd.ca.gov>
''JanetCastech''<jcastech@hcd.ca.gov>
2/16/200610:55:15AM
RE:FTHBOTCQuestion:Iast12mo.salesprice?
lt'sbest,forevaluatingcurrentfeasibility,to usetheIast12months
from date ofapplication.
Thanks.
originàlMessage-v
-
From:JanetCastech
Sent:Thursday,February16,20067:47AM
To:Christina DiFrancesco
Subject:FW :FTHBOTCQuestion'
.Iast12mo.salesprice?
HiChristina,
Wouldyoubethe onetoanswerthequestionbelow? Please leavea
response eitherwayonmyvoicemailforIwillbecheckingmymessages.
lam outoftheofficemonitoring.
Iwouldthi
nki
twoul
dbet
hel
astt
wel
vemonthstoreflecttheactual
marketbutthatisnotwhatthequestionasks.
Thanks
- - or
iginalMessage
From:DaveNelsonImailto:Dave.Nelson@œ .nevadaaca.us)
Sent:Wednesday,February08,200612:42PM
To:JanetCastech
Subject:FTHBOTC Question'
.Iast12mo.salesprice?
Janet,
The FTHB Program apphasthisquestion:
''Providethe numberofhomesthathavesold inthepreceding 12months
(July1,2004-June30,2005)intheHoME-eligiblejurisdictionfora
priceatorbelowtheHUD203(b)Iimitorapprovedexceptionnumber.''
SinceI'm doinganOTC app,didyouwantthe past12 monthsfrom the
date oftheapplication,ordidyouwant7-1-04 through6-30-05?
thx,
Dave
DavidNelson,Analyst
HousingDivision
CountyofNevada
(530)265-1423
(530)265-9845(fax)
Thismessageisforthedesignatedrecipientonlyand MAY CONTAIN
PRIVILEGED OR CONFIDENTIALINFORMATION. Ifyou have receiveditin
error,pleasenotifythesenderimmediatelyanddelete theoriginal.
@
Anyotheruseofthi
sE-maili
sprohi
bit
ed.
.
,,,. .. F
.. s.-
BEDROONBATHS
1
4
2
2
3
3
2
2
3
3
2
2
2
3
3
2
2
3
3
2
3
3
3
3
3
2
3
3
3
3
3
3
4
2
3
3
Altasierra 16093GaryVay $525,000
3
Altasierra 16183LANGLEYP $526,000
Altasierra 16209GibboneyLc$529,000
2
3
Altasierra 10995Thornicroftï$532,000
Altasierra 17540LAWRENCE$540,000
3
3
Altasierra 14378PloverWay $549,900
Altasierra 16911AlexandraV $554,000
3
Altasierra 16372AlexandraV $565,000
3
4
Altasierra 16338 NORLENEl$575,000
Altasierra 16228ANNIEDR $580,000
3
3
Altasierra 14861PammyWa!$580,000
Alta sierra 10348QuailCreek $599,000
3
4
Altasierra 10515QuailCreek $610,000
Alta sierra 20458TIGER TAIL $619,000
3
3
Alta sierra 16935A1LEEN WA $619,900
4
Area
Address
Altasierra #13BlueJay
*
Price
$18,000
Alta sierra 10068Quax Mine $125,000
Altasierra 15445 KingsburyC $235,000
Altasierra 15439KINGSBUR'$285,000
Altasierra 13636 DogBarRd.$320,000
Altasierra 17525RetracWay $321,500
Altasierra 11294 EDW ARD V $324,000
Altasierra 17151DogBarRo1$335,000
Altasierra 15706 DogBarRoI$337,500
Altasierra 16954ALICEWAY $340,000
Altasierra 11456AltaSierra:$345,000
Altasierra 15097PAMMY WJ$353,500
Altasierra 10454 KeenanWa)$355,000
Altasierra 18728ThreeHomE$360,000
Altasierra 10144BRAEMARh$362,000
E DR $380,000
Altasierra 15853CARRI
Altasierra 10199BraemarW1$389,000
Altasierra 11603MarilynCoul$390,000
Alta sierra 17535AlexandraV $395,000
Altasierra 14743StinsonDriv.$396,000
Altasierra 16449DOG BAR F$397,000
Altasierra 16298DavidWay $399,900
Alta sierra 14001WheelerAcI$399,000
Altasierra 11517MyrnaDr $399,400
Altasierra 19919CasaLoma $415,000
Altasierra 14946SKY PINES $424,500
Altasierra 17877AlexandraV $430,000
Altasierra 16454JudithCourt$435,000
Altasierra 15070TecolodeTr.$445,000
Altasierra 11519LowerCircle$445,000
Altasierra 11486Myrna
$459,000
Altasierra 18394WolfCreekI$479,000
Altasierra 11244EdwardDriv $480,000
Altasierra 16554AlexandraP $495,000
Altasierra 18476WolfCreekI$520,000
@ Al
tasi
err
a16138Ari
elCourt$647,500
SquareFefACRESAFPriœ/sq.FlZip
1
2
1
1
1
2
2
2
2
2
2
2
2
3
2
560
1664
1200
1200
1741
1344
1337
1050
1440
1420
1271
1254
1200
3042
1364
0
0.01
0
0
0.29
2.5
0.27
5:04
3.74
0.57
0.43
0.46
0.5
1.62
1
2
118k
0.58 $321.49
1
2
2
2
2
2
2
2
2
2
2
2
3
2
2
2
2
2
2
2
2
3
2
2
3
2
3
2
2
2
3
3
2
2
3
1020
1402
1550
1173
1440
1425
2034
1592
1653
1375
1701
1526
2497
1644
1846
1860
2133
1970
2000
2250
2036
2224
2065
2303
2300
1800
1980
2837
1950
2500
2295
2737
2463
2305
2935
$32.14
$75.12
$195.83
$237.50
$183.80
$239.21
$242.33
$319.05
$234.38
$239.44
$271.44
$281.90
$295.83
$118.34
$265.40
1.22 $381.37
0.26 $278.17
0.67 $254.84
0.38 $337.60
6.6 $275.69
0.42 $280.00
0.25 $196.17
0.5 $250.88
2.37 $251.06
0.8 $308.73
0.58 $252.79
2.57 $285.06
21.32 $178.21
0.43 $270.68
0.67 $248.65
5 $257.53
0.37 $225.04
0.62 $251.27
5.18 $260.00
0.54 $233.33
1.25 $258.35
1.63 $237.86
0.3 $257.63
2.56 $234.48
1.21 $239.09
0.82 $307.78
1.04 $285.35
4.1 $202.68
2.15 $297.44
0.56 $232.00
2 $261.00
2.61 $222.87
5.6 $251.32
0.61 $268.94
1.03 $220.61
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*
*
Altasierra 11049OakDrive $713,000
Altasierra 12520 Pine CrestE$750,000
Altasierra 18762W olfCreekI$750,000
Alta sierra 16949RoundValle $780,000
Altasierra 10831ARIANNAC $789,900
Alta sierra 10743AriannaCt $850,000
Altasierra 16887HANGTREE$890,000
Altasierra 11031E LIME KIL.$891,000
Altasierra 18787 Blackhawk($995,000
Alta sierra 16439CORTEZC($999,000
Altasierra 15900ThielWay $398,500
Alta Sierra 16852patricia $165,000
AltaSierra 16762OscarDrive $279,500
AltaSierra 15341KingsburyC $279,972
AltaSierra 15285KingsburyC $280,000
Alta Sierra 15350KingsburyC $294,500
Alta Sierra 15348KingsburyC $295,000
AltaSierra 16447PatriciaWa5$299,000
AltaSierra 11084BallRd. $305,000
AltaSierra 12475FRANCIS $310,000
AltaSierra 15832ThielWay $324,000
AltaSierra 14862Stinion $326,500
AltaSierra 15955GibboneyLc$335,000
AltaSierra 10970HensonWa)$339,000
AltaSierra 15794TheilWay $340,000
AltaSierra 15268SKYPINESI$350,000
AltaSierra 12165AltaSierraE $351,000
AltaSierra 15099FayRoad $352,800
AltaSierra 18932JOSEPH DF$355,000
AltaSierra 10960BALLRD. $359,000
AltaSierra 18698ConnieDrivf$360,000
AltaSierra 10338KEENAN W,$370,000
AltaSierra 11373SeanWay $370,000
AltaSierra 11806AltaSierraC $370,000
AltaSierra 10683AltaSierraL $372,900
AltaSierra 11774HanleyDrivE$375,000
AltaSierra 17947NorleneWa'$375,000
Al
taSi
erra10897ALTASIERi$375,000
AltaSierra 11810TammyWa)$379,500
AltaSierra 15640NamesDrivf$380,000
AltaSierra 12917FrancisDrivt$380,000
AltaSierra 11226Edward Driv$385,000
AltaSierra 11361BALLRD $388,000
AltaSierra 10339Keenan $390,000
AltaSierra 11671RAGAN WA $393,000
AltaSierra 18962NorleneWa'$393,900
Al
taSi
erra11562Bernadi
neé$395,000
@
AltaSierra 15540LorieDrive $397,000
AltaSierra 16797OSCAR DR.$397,300
AltaSierra 10925HensonWa?$400,000
AltaSierra 19204ConnieDr $400,000
AltaSierra 16202TinaCoud $407,000
2
3
2
2
3
3
11.8 $307.86
3.3 $220.59
5.97 $221.57
4.14 $332.20
2 $253.99
1.58 $251.33
6 $227.51
8.71 $222.75
13.91 $334.34
12.14 $340.72
0.03 $307.25
0.25 $75.27
0.5 $228.35
0 $233.31
0 $233.33
0 $245.42
0 $245.83
0.67 $147.36
0.29 $254.17
0.7 $213.94
0.35 $230.60
0.35 $261.20
0.66 $271.92
0.38 $252.42
0.3 $271.35
0.33 $260.61
0.35 $278.57
0.42 $203.81
0.42 $245.00
0.35 $270.33
0.72 $249.65
0.39 $300.32
0.46 $240.26
0.45 $226.30
0.55 $302.68
0.34 $277.78
0.4 $223.35
0.63 $221.37
0.35 $290.14
0.46 $283.58
0.43 $258.68
0.35 $256.15
0.36 $295.51
0.26 $206.57
0.35 $236.04
0.72 $216.79
0.41 $251.59
0.5 $257.79
0.45 $268.08
0.42 $215.98
0.66 $208.55
0.63 $255.97
AltaSierra 11338 RaganWay $410,000
AltaSierra 11486TAMMY WJ $410,000
AltaSierra 11464 RAGAN WA $410,000
AltaSierra 19056CONNIE DF $412,000
AltaSierra 11442AVERNWA $415,000
AltaSierra 11512HackettCou$419,000
AltaSierra 16451CloverValle'$419,995
Al
taSierra18542AlexandraV $422,000
AltaSierra 16092JANET WAl$425,000
AltaSierra 11693Cathy Drive $429,000
AltaSierra 17186Virginia Wa $429,900
AltaSierra 16800SCOU WA'$435,000
AltaSierra 16647Alioto Dr. $435,000
AltaSierra 11524AltaSierraC$439,500
AltaSierra 11699 PamelaDriv$440,000
AltaSierra 16858LenaCt. $450,000
AltaSierra 15122 LorieDr. $450,000
AltaSierra 16362 PatriciaWaj$455,000
AltaSierra 11379 BallRd. $455,000
AltaSierra 17858 NorleneW a.'$459,
000
AltaSierra 11485TammyWa)$465,000
AltaSierra 17082 BrewerRd. $465,000
AltaSierra 11460LOWER ClF$468,000
AltaSierra 15885NorleneWa'$469,000
Al
taSi
erra17770Al
exandraV$469,
900
@
@
AltaSierra 11572FrancisDriv'$470,000
AltaSierra 17591PatriciaWaJ$472,000
AltaSierra 16420GeorgeWaJ$476,000
AltaSierra 11404Avern
$480,000
AltaSierra 11633PamelaDr $490,000
AltaSierra 15176SKY PINES $502,000
AltaSierra 11321BallRd $504,000
AltaSierra 15361BrewerRd. $510,000
AltaSierra 16212DavidWay $510,000
AltaSierra 11174LowerCircle$515,000
AltaSierra 11647RAINBOW f$518,500
AltaSierra 11327EDWARD D $525000
AltaSierra 16693AliceWay $525,000
AltaSierra 17267VIRGINIA 1 $529,000
AltaSierra 11387TammyWaj$532,000
AltaSierra 10352MountainLi($535,000
AltaSierra 16595 BrewerRoat$535,000
AltaSierra 15737LorieDrive $539,000
AltaSierra 11050 MeyerWay $540,000
AltaSierra 18915ConnieDrivf$549,500
AltaSierra 11933TAMMYW> $550,000
AltaSierra 15014FayRoad $559,950
AltaSierra 11491BEU 'YWAA$560,000
AltaSierra 16449SHARONW $565,000
AltaSierra 17075OSCAR DR.$575,000
AltaSierra 17230BREW ERR $590,000
AltaSierra 11099NoragerWa $595,000
@
@
AltaSierra 11564Alta SieraDI$600,000
AltaSierra 11589BernadineC $625,000
AltaSierra 12958FRANCISD $630,000
AltaSierra 11905Alta SierraE$631,000
AltaSierra 16709AliotoDrive $632,000
AltaSierra 18814 NORLENE $645,000
AltaSierra 15274 CarrieDrive $649,000
AltaSierra 11519 BERNADINi$650,000
AltaSierra 17545Lawrence% $650,000
AltaSierra 16959NorleneWa!$670,000
AltaSierra 11796TAMMY W/$695,000
AltaSierra 19189NORLENE ï$739,500
AltaSierra 15971JohnWay $755,000
AltaSierra 14377 FALLING S1$775,000
AltaSierra 18191Jamie LeeC $795,000
AltaSierra 11030 MEYER WA $830,000
XltaSierra 11696CATHY DR $836,500
AltaSierra 15456CarrieDr $870,000
AltaSierra 17814 NorleneWa'
375,000
,$
AltaSierra 12131FRANCIS D $399,900
GrassVallf10114ShamrockL. $12,500
GrassValI(45W ENDY CIRCL $18,000
GrassValk1078Pampas
$30,000
GrassVallf617WALSHSTRE $34,000
GrassVallf19Juan Way
$40,000
GrassValI(14338 Hwy49-Sp $46,500
GrassVallf380Madrone
$48,000
GrassValli100903 SEVENS r $49,999
GrassVallf1606MulberryDr. $55,000
GrassVaII(10090 ForestSprin $55,000
GrassValll14338 Highway49 $57,500
GrassValk1039LaurelLane $59,950
GrassValI(1019LaurelLane $67,500
GrassVallf78PrimroseLane $68,000
GrassVaII(10216 STONEAR( $70,000
GrassVallf10206GrindingRo $71,000
GrassValk10277 ForestSprin $74,500
GrassValI(10061GoldenRocl $75,000
GrassValk1025AmberLoop $77,000
GrassVallf1066AmberLoop $78,000
GrassValk13908GOLDEN S- $79,000
GrassVallf999LaurelIane $79,999
GrassVallf955AmberLoop $81,750
GrassValk10024Grinding Ro $82,500
GrassVallf1045AmberLoop $82,500
GrassVaIl(60CandyLane $85,000
GrassVallf415MadroneWay $87,000
GrassVali10201DalewoodM $94,500
GrassValll10077QUARTZMI $99,000
GrassVallf10076 LodeLineZ $101,250
GrassVaII(1566MulberryDr. $108,000
GrassVaIl(10061QuartzMine $108,000
2
2
3
2
2
2
3
3
3
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@
GrassValli509Holly Drive $108,000
GrassVallf430Madrone Way $112,000
GrassVaII(1466 MulberryDriv'$118,000
GrassVaII(13928GoldenStar$125,000
GrassVallf13938GoldenStar$125,000
GrassValll1456MulberryDr. $125,950
GrassValI(10476ValleyView $152,000
GrassVallf406DaltonStreet $180,000
GrassVallf11744View dr. $185,000
GrassVallf10514SmithRd. $190,000
GrassValli239MillSt.#11 $190,000
GrassVallt239MillStreet,//.8 $190,500
GrassVallf12833Blue JayCo $225,000
GrassVallf10223Crestview D $225,000
GrassValli329E MAIN
$227,000
GrassVallf127HockingAve. $230,000
GrassVallf115E COLFAX AV $230,000
GrassVallf15200GreenW ay $230,000
GrassVallf208MaidenLane $230,000
GrassVallf1258PresleyWay $230,000
GrassVallt119ColfaxEast $235,000
GrassVallf10161Dalewood $245,000
GrassVallf14812HiddenRocl$249,900
GrassVallf14836HIDDEN RC $249,500
GrassVallt11210ButlerStreel$249,500
GrjssValli272 HughesRoad $249,995
GrassValli234 rockwood
$250,000
GrassValI(10197WoodleafCi$250,000
GrassVallf10155CRESTVIEQ $250,000
GrassVallf162McNabCr. $250,000
GrassVaII(10143SchroederV $250,000
GrassVallt11776CREEKVIE'$250,000
GrassVallf115TownsendStre$254,000
GrassValll133ROCKWOOD $255,000
GrassVallf127Comstock $257,800
GrapsVallf172McNabCircle $259,000
GrassValh111COMSTOCKC $260,000
GrassValli186NormandyCot$260,000
GrassVallf153 RockwoodDr. $260,000
GrassVallf14583MistyWinds $260,000
GrassVallt103ComstockCou$264,500
GrassVallf129COMSTOCKC $265,000
GrassValI(111RaceSt.
$265,000
GrassVallt11591Mccourtney $267,000
GrassValk13546DogBarRo1$269,000
GrassValI(10400SmithRoad $270,000
GrassVallt10435Manzanita(2$272,000
GrassVallf10228Adam Ave $272,500
GrassValll13922BROOKS R4$275,000
GrassValk117&1/2ALTA ST $275,000
GrassVallf223WoodsideCt. $275,000
@ GrassValf304EMai
nStreet$275,500
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* G
rassVall
t12
49M
RO
ur
Cph
Ky
WSOtOD$
279,
55
9
00
GrassVallf401Mill
$280,000
GrassVallf137Rockwood Dri:$280,000
GrassVaII(12817SquirrelCre $280,000
GrassVallt14794TowleLanê $282,000
GrassVallf423MillSt
$294,500
GrassVaII(420Marshall
$295,000
GrassVallt824AnnexAve. $295,000
GrassVaII(109GreyAve
$295,000
GrassVallf506BRIGHTON S7$295,000
GrassVallf10749PINE HILL(:$295,000
GrassValk12285PineConeC$299,000
GrassVallf805W MAIN STRE $299,500
GrassVallf234Rockwood $300,000
GrassVaII(332SECOND SRE $300,000
GrassVallf13518WHEELER /$300,000
GrassValk349S CHURCH $300,000
GrassVallt11488SquirrelCre $300,000
GrassVallf129ParkAve
$303,000
GrassValk117E EmpireSt. $303,972
GrassVallf320WASHINGTO,$304,000
GrassVallf154W OLYMPIA E$305,000
GrassVaII(589Packard Drive $305,000
GrassVallt521WHITING STF$305,000
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r
assVal
k12
02
09H1i
g
EhaS
str
D
ee
rit
ve$309
6,
50
0
10
8
GrassVallf2616 RidgeRoad $309,000
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GrassVallt10872BartlettDrivf$310,000
GrassVallf216LLOYD STREE$310,000
GrassVallf13248La BarrMea$310,000
GrassVallf12683PineConeC$310,000
GrassValll10198NORAMBAI$310,000
GrassVallf10375Gold Drive $310,000
GrassVallf112CELESTA DRI$313,000
GrassVallf576PACKARD DR $315,000
GrassVallf10408Manzanita C$315,000
GrassVallf10041Greenwood $317,000
GrassVallf154 HarrisStreet $317,000
GrassVallf411S AUBURN S7$317,500
GrassVaII(13944WolfHollow $319,000
GrassValk99OceanAve $319,000
GrassVallf607LeDucStreet $319,000
GrassVaII(349S Church
$319,000
GrassVallt11330SquirrelCre $320,000
GrassVaII(12207SunsetAve $320,000
GrassVallf707W.MainSt. $320,000
GrassVaII(10752AltaSt. $320,000
GrassVaII(436 LA MARQUE($320,000
GrassVallf412 LamarqueCou$320,000
GrassVaII(13431LaBarrMea$321,500
GrassVali505 BrightonStreeï$324,000
L)
+Nt
GrassVaII(120W inchesterStr$325,000
GrassVallf214 LloydSt. $325,000
GrassVallt623 PACKARD DR $325,000
GrassVaII(11273 Lava Rock/$325,000
GrassValk394 CLARK ST. $325,000
GrassValli21042 ClivusDrive $328,700
GrassValll10150 SmithRoad $329,900
GrassVallt10586 SILVER WA $330,000
GrassVallf13090 ST.GREGC $330,000
GrassVaII(11011BrunswickE $330,000
GrassVallt636PackardDrive $330,000
GrassValk3571/2ALTA
$330,000
GrassVallf117HuntingtonCoI$332,000
GrassVallf137CypressHillDr$334,000
GrassVallf32tBuenaVistaSt$334,000
GrassVallt12194 MARTINW/$335,000
GrassVallf12993W ild LifeLaI$335,000
GrassVallf11090 BrunswickE $335,000
GrassVallf380ClarkStreet $336,000
GrassVallf12561FrancisDr $337,000
GrassVallf632PELTON WAY $338,000
GrassVaII(13171Dog BarRo1$339,000
GrassValh690SAuburnStrel$340,900
@
@
GrassVali12195Rough& Re $340,000
GrassValk10706 PINE HILLE$342,000
GrassVallf840FORESTGLAl$345,000
GrassVallt10670CedarWay $345,000
GrassVallf10231Glenbrook $345,000
GrassVallt13121MulberryLal$345,000
GrassVallt14087Liquidambar$345,000
GrassVallf308E Main
$349,000
GrassVallf10246ElderDr $349,900
GrassValli352AltaStreet $349,900
GrassVaII(10731FootwallDr.$350,000
GrassValk10053TraunerLn $350,000
GrajsVallf10774Dolores $350,000
GrassValk128CARRIAGE LJ$350,000
GrassValli12976RidgeRd. $350,000
GrassVallt265CYPRESS HIL $350,000
GrassVallf11621ALTAVIST/ $350,000
GrassValli123CARRIAGE LJ$352,000
GrassVallf130EurekaStreet $352,500
GrassVallf12201LomaRica($354,000
GrassVaII(11653LOWERCO $354,000
GrassVallf13192Dogwood LE$355,000
GrassVallf128HarrisSt. $355,000
GrassVallt13303ROCKYLN $356,000
GrassValh10780BannerVieM$357,000
GrassVallf419Henderson $358,000
GrassVaII(12594LaBarrMea$359,000
GrassVallt10294SugarPine($359,000
GrassVallf808AnnexAvenue $359,000
0.13 $180.56
0.16 $318.63
0.2 $300.93
1.74 $203.13
0 $323.38
1 $186.76
0.5 $241.15
0.25 $255.62
1.28 $200.61
0.28 $412.50
0.14 $305.56
0.46 $326.09
0.16 $266.24
0.15 $302.54
0.1 $392.94
1 $279.17
2.5 $223.93
0.17 $304.55
0 $373.33
0.4 $230.19
0.18 $275.47
1.29 $248.72
0.18 $377.78
0.38 $261.54
0.25 $320.22
0.18 $267.65
0.22 $336.26
0.25 $313.64
2.5 $267.44
0.67 $302.63
0.15 $193.89
1.03 $303.73
0.17 $250.64
0.24 $294.86
2.6 $211.35
0.2 $318.18
0.07 $278.44
0.2 $275.16
0.15 .$230.72
0.15 $271.53
0.07 $280.03
0.13 $282.68
0.56 $202.17
1.12 $297.23
0.79 $317.82
0.27 $244.83
1.88 $197.78
0.46 $320.47
0.14 $250.35
0.86 $266.52
0.5 $247.76
0.17 $306.58
*
@
@
GrassVallf10041Greenwood $359,000
GrassVallf16060You WinCt.$359,000
GrassVaII(190ScotiaPines $359,054
GrassVaII(11405SquirrelCre'$359,500
GrassVaII(124CARRIAGELJ $359,900
GrassVallf121CastlemontDr.$360,000
GrassVallf20178TigerTailR($360,000
GrassVaII(119StaceyLane $361,000
GrassVallf10144BRAEMER !$362,000
GrassVaII(11181SquirrelCre $362,000
GrassVallt115 HarrisSt
$362,500
GrassValll19486LastMile Dr$365,000
GrassVaII(119ARCADIA DR $365,000
GrassVallf11715AltaVistaAï$365,000
GrassVallt13241DogBarRd.$366,400
GrassVaII(12994LA BARR M $367,500
GrassVallf326 MILLSTREET $368,000
GrassVallf182CelestaDr. $369,000
GrassVallf14180BrooksRoaf$369,000
GrassVallf158Lucas Ln. $369,900
GrassVallt20768RisingSunF$370,000
GrassVallf11594AltaVistaAï$370,000
GrassVaII(11000LovasCourt$370,500
GrassValli526ScaddenDr. $372,500
GrassVallt11351SquirrelCre $374,000
GrassVallf10477QuailDr $375,000
GrassVallf16372FayRoad $375,000
GrassVallt12533NOU INGH/$375,000
GrassValll14821Raini
erRd. $378,500
GrassVallf13388ElderberryL $379,000
GrassVallf850ForestGladeC $379,000
GrassVallf576MORGAN RAh$379,000
GrassValk236ElysianPlace $379,000
GrassVallf10781WalkerDrivf$379,500
GrassValh10482QuailDrive $380,000
GrassVaII(223Catherine Lanf$380,000
GrassVallf318HorizonCircle $381,000
GrassVallf435FRENCHAVE $384,000
GrassVallf13725W heelerAcr$385,000
GrassVallf11056 SuzanneW1$385,000
GrassVaII(13398 IdahoMaryll$385,000
GrassVallf238CYPRESS H1L $385,500
GrassVallt672Partridge
$389,000
GrassVallf304VISTAMONT $390,000
GrassVallt515Jenkins
$390,000
GrassVali10281HarvestWa)$390,000
GrassVaII(13878BROOKS RI$390,000
GrassVaII(215SUCCESS MIh$391,000
GrassVallf12314 Roughandf$392,000
GrassVaII(278CypressHillDr$395,000
GrassVallt107TealLane $395,000
GrassValI(204CelestaDrive $395,000
95945
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rassValt33
19
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v$395,000
GrassVallt757BUTLER STRE$395,500
$249.37
GrassValf11897ROMGH&F$397,
000
@
@
GrassValli11566LowerCircle$397,000
GrassVallt10856GoldHillDr.$399,000
GrassVallf13101HiddenVallt$399,000
GrassVallt216 HarperSt. $399,000
GrassVallï115MuirCt
$399,000
GrassVallf10880FootwallDrih$399,500
GrassVallf134Castlemont $400,000
GrassValli221WASHINGTO,$400,000
GrassVallf19609Casa Loma $400,000
GrassVallf13301DOG BAR F$400,000
GrassValli16112BrooksRd $400,000
GrassVallt13899Highway49 $403,000
GrassVallt10j15DoloresDriv$405,000
GrassVallf426NealSt
$405,000
GrassVaIl(369Horizon
$405,000
GrassValli12752 FriarTuck $405,000
GrassVallf16791GreenhornF$405,000
GrassVaII(375AltaStreet $409,000
GrassVallt326MinersTrail $409,000
GrassVaII(605W Mai
nStreet $410,000
GrassVaII(12512PolarisDr. $410,000
GrassVallf10377HANGING V $410,000
GrassVallf12344 Blackberry7$410,000
GrassValll228SUCCESS Ml,$410,500
GrassVallf118STANFORD C $412,000
GrassVallf118Sparrow
$412,000
GrassValI(424FrenchAvenut$415,000
GrassVallt242ARCADIA $415,000
GrassVaII(134SUCCESS Ml,$417,000
GrassVallt215HillSt.
$417,000
GrassVallf318EmpireCt. $417,000
GrassValI(10433WalkerDrivf$417,500
GrassVallf871MORGAN RAh$418,000
GrassVallt143Bennett
$420,000
GrassVallt14677LIU LEGRE$421,000
GrassValh340HorizonCir. $422,000
GrassVallf11322HubbardRd $425,000
GrassVallt19218GreenhornF$425,972
GrassVallf218HORIZON ClR $426,500
GrassVallf2654RidgeRoad $429,000
GrassVaII(10492Westerinen $429,500
GrassVallf17186Virginia WaJ$429,900
GrassVallt13095LydiaCt $429,950
GrassVallf10896 DarleneCob$430,000
GrassVallf404ESKATON CIF$434,500
GrassValll17393WolfMountl$435,000
GrassValI(13449GRAND OA $435,000
GrassVaII(21584OakRidgeE$435,000
5.94
0.2
0.33
5.33
0.82
5
0.3
0
6.66
1.12
4
94945-8421
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*
@
@
GrassValh10823AltaStreet $435,000
GrassValk875MORGAN RA,$436,500
GrassVallt23299MacyPlace $439,000
GrassVallf15955WOLFMOU $439,000
GrassVaIl(14747YOU BET R $439,000
GrassValI(10534SIERRA DR $441,000
GrassValll131E EmpireSt. $445,000
GrassVallf21358OakRidge $445,000
GrassVaIl(14460O1dW hiteTl$447,500
GrassVallf13323ElderberryL$449,000
GrassVaI1(13929 Franciscanl$449,500
GrassVaII(190&194W estOIyl$450,000
GrassValk18041NORLENEï$450,000
GrassValI(12643PolarisDr $455,000
GrassVallf411KateHayes $455,000
GrassValk201Northridge Dri:$455,000
GrassValI(121JanRd.
$459,000
GrassValk10467C Street $459,000
GrassVallt139SPARROW Cl$459,900
GrassVallf310MillSt.
$459,900
GrassValll14341MEADOW E$460,000
GrassVallt10820ConiferLant$460,000
GrassVaII(142Independence $460,000
GrassValk12677AllisonRanc$465,000
GrassValll113WinchesterSt $465,000
GrassVallf296MinersTrail $465,000
GrassVaII(12609 HiddenVaIIE$465,000
GrassVallf435MorganRanch$465,750
GrassValk310BuenaVistaSt$467,000
GrassVallt835OrchardGlenl$469,000
GrassValk115NorthridgeDri:$472,000
GrassVallt12609 FriarTuckR $475,000
GrassVallf12937Rattlesnake $475,000
GrassValk848MORGAN RAr$476,000
GrassVallt195SUCCESS MI,$478,500
GrassVallf645MorganRanch$479,000
GrassValk10402Maranatha F$479,000
GrassVallf10385AltaStreet $480,000
GrassValll16193HilaireRoad$480,000
GrassVallf12547RATTLESN/$482,500
GrassVallf11656NodhernLig$484,000
GrassVallf811MorganRanch$484,000
GrassVaII(15143Rattlesnake $485,000
GrassVallt859MORGAN RAt$487,000
GrassVaII(377EskatonCircle $489,000
GrassVallf588EskatonCircle $489,950
GrassVaII(12617FriarTuckR $490,000
GrassVallt108BridgerCourt $490,000
GrassValh10442Low Ct. $490,000
GrassVaII(314RhodeIsland $490,000
GrassValll11631LostRanch'$490,000
GrassVallt171woodcrest $491,000
2
2
2
2
3
2
95945
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95603
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GrassValk746Morgan Ranch$492,000
GrassVaII(10901FOOTWALL$492,000
GrassVallt167NORTHRIDGE$495,000
GrassVallt10961BonanzaW1$495,000
GrassVallf11895SLOW POK $498,000
GrassVallf232CornwallAvenl$498,000
GrassValll15400SISKIYOUC$499,000
GrassValk117BridgerCourt $499,500
GrassVallf10197EaptDrive $500,000
GrassValk12865FRIAR TUC $500,000
GrassVallf163 HolbrookeWa:$500,000
GrassVallt300 RaceSt.
$500,000
GrassVali11159ALPINE LAh$500,000
GrassVaII(134SCOTIA PINEI$502,000
GrassVallf14685HighlandDri$505,000
GrassVaII(184 HORIZONCIR $506,500
GrassVallt180SUCCESS Ml,$506,500
GrassVallf408 EskatonCir. $508,000
GrassVall
f15308GreenFay $509,
000
*
GrassVallf13560FletcherLan$510,000
GrassVallf190HORIZONClR $511,000
GrassVallf177HORIZONClR $512,000
GrassVallf10019 RANCH RO,$515,000
GrassVallf12672FriarTuckR$515,000
GrassVallf14214W ilderRidgt$515,000
GrassVaII(13022JupiterDrivE$517,000
GrassVallt10145OmegaWaJ$520,000
GrassValh845MORGAN RA,$523,500
GrassVallf12998THOROUG.$525,000
GrassVallf224SuccessMine $529,000
GrassValli19665CASA LOMZ$529,500
GrassValk15113MtOliveRd.$530,000
GrassValli23104 CottageHill $530,000
GrassVaII(16281Hillaire Rd. $530,000
GrassVallt15888Hovickstone$535,000
GrassVallf10404PingreeRd.$535,000
GrassVallf13828CloverleafC $540,000
GrassVaII(10548CedarAve $545,000
GrassVallf174 NORTHRIDGE$545,000
GrassVallf856MORGAN RAh$545,000
GrassValh19514HeatherDe($547,000
GrassValk120W inchesterStr$549,000
GrassVallf10848BANNER Vl$549,000
GrassVallf10266GautierRd. $549,000
GrassVaII(11445Lexingtonh $554,000
GrassVallf10412MercuryDriï$555,000
GrassVallf112BoundyCt $559,900
GrassVallt14235Arrowheadr$560,000
GrassVaII(16933BengiWay $565,000
GrassVallt14500DALMATIA/$565,000
GrassValk19407TigerTailRf$565,000
@ GrassVaI(865MORGANRAh$573,500
Q)
k
GrassValk11643Hernandosl
GrassVallt13476AppleJulian
GrassValll15245FrolicMeadt
GrassValI(13800Gold Countr
GrassValk10030CarriageRd
GrassVallf462 MillSt.
GrassVallt419W mainst
GrassVallt12140 HoganHillF
GrassVaII(10766BubblingW(
GrassVallf172 SuccessMine
GrassVallf12757Opossum V$
GrassVallt112 BUCKINGHAN
GrassVallf14052 NARROW C
GrassVaII(11016LOVAS CT
GrassVallf216 RaceStreet
GrassVallf159Brentwood Dri!
95946
95945
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95946
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@
GrassVaII(14266 LA BARR PI
GrassVallf11023Roughandl
GrassVallt14924 Rattlesnake
GrassVallf15225 BirchMeadc
GrassVallf11696LowerColfa:
GrassValll911FreemanLane
GrassVaII(22138 RoundTuitI
GrassVallt12807 FriarTuckR
GrassVaII(10976 BonnieView
GrassVallf10922 E LIMEKILr
GrassVaII(11332 Hubbard Ro
GrassVallf10884TERRACEr
GrassVallf15207Meadow Dri'
GrassVallf15999Thornberryl
GrassVaII(13980Countryside
GrassValk12894 GREENHOF
GrassVallt13955LomaRica (
GrassVallf11327REIDULACI
@
GrassVallt124SierraBlanca(
GrassVallf12429 LodeStar
GrassVallf10300 Dawkins
GrassVallt13913GopherHill4
GrassVallf10410S Ponderosl
GrassVallf24189 ClaytonRd
GrassVallf14553JasperLane
GrassVallf10945ColeWay
GrassVallf14642 LimeKilnR(
GrassValll22356E Hacienda
GrassValk17379RIVER RAN
GrassVallf14423SADDLEBAI
GrassVallt10850CooleyDrivl
GrassVallf12969SomersetDI
GrassVallf16874 INDIANSPF
GrassVallt22080MémoryLan
GrassVallf11908PalaminoPl;
3
3
3
95949
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95945
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Grassvalll19053IRON MOU,$849,000
Grassvallf20613MorningSur$935,000
Grassvalli10159RunningM ($935,000
Grassvallf12881Chatsworth $935,000
GrassVaII(13013SomersetDI$949,000
GrassVaII(12187 DogwoodR($949,500
GrassVallf13068SomersetDI$950,000
GrassVallf14833MetcalfRd. $964,000
GrassValll12984SomersetDI$979,000
GrassVallf18511Mccourtney $985,000
GrassValk14325 FrederickW
GrassVaII(13233LostLakeR'
GrassVallf13060SOMERSER
GrassValli13048 SomersetDI
GrassVallf13338 LomaRica (
GrassVallf1O1OceanAve $299,900
GrassValli11225VistaAve. $339,000
GrassVallf11037GLEN MEAI$210,000
@
GrassVallf110DorisDrive $231,750
GrassVallf10523 N Ponderosl$250,000
GrassVallf11098W HEELER ($539,000
GrassVaII(12140CRESCENI $595,000
GrassValll579DeliaCt
$343,000
GrassValk422KateHayesStI$369,000
GrassVallt14606PATCOUR-$385,000
GrassVaII(11598MEADOW % $399,900
GrassVallt12865PineConeC $439,000
GrassVaIl(228MALLARD DRf$454,930
GrassVallf311HUGHES RD $499,
000
GrassVallf15226Rattlesnake $600,000
HiCntryA 31004ReliefHillR( $61,900
HiCntryM 40980SkylineDrivf$345,000
HiCntry/W 21218Pine Needle $349,000
HiCnlry/W 10832&10720W/$375,000
@
HiCntryM 13225AlphaLoopl$470,000
HiCntry/W 15344Washington $215,000
LakeofthE23173LonePineD $283,000
LakeofthE10885TorreyPines$289,000
Lakeoftbe23251LonePine $295,000
LakeofthE11257TorreyPines$316,875
LakeofthE23097Broadmoor($325,000
Lakeofthe11372MonarchCo $326,000
LakeofthE10936Lakeshoreh$329,000
Lakeofthe13610TORREY PI$330,000
Lakeofthe22601StlnsetRidg $339,000
LakeofthE11735TorreyPinei$350,000
Lakeofthe12018TORREY PI$350,000
Lakeofthe24501CameliaWa $354,000
Lakeofthe12308PoplarRoad$355,000
LakeofthE24486CameliaWa $355,000
Lakeofthe14055TorreyPiner$360,000
Lake ofthE22550SunsetRidg $361,000
2
3
3
3
2
3
3
2
3
$306.50
$374.45
$344.26
95949
95949
95949
$294.
77
95945
$322.24 95945
$200.61 95945
$339.29 95945-9736
$419.13 95949
$362.59 95945
$305.14 95949
$238.10 95946
$187.57 95945
$370.97 95945
$325.00 95945
$310.00 95945
$403.09 95945
$289.25 95945
$337.08 95945
$309.00 95945
$357.14 95946
$246.01 95949
$283.33 -95945
$272.22
$194.21 95945
$200.52 95949
$222.17 95959
$248.02 95945
$285.58 95945
$565.12 95945
$211.79 95945
$40.19 95986
$199.65 95715
$240.03 95959
$220.59 95959
$247.37 95986
$238.89 95986
$202.14 95602
$273.42
95602
$229.75 95602
$275.78 95602
$280.41
95602
$271.67 95602
$262.78 95602
$189.33 95602
$302.68
95602
$247.70 95602
$247.18 95602
$221.80 95602
$235.26
95602
$225.11 95602
$257.14 95602
$187.92
95602
tX-6
@ Lakeofthe
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@
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Lakeofthe23522 Singing Hills
Lakeofthe23441RollingHills
Lakeofthe13794TORREY PI
Lakeofthe11262 Greenbriar$
Lakeofthe12367TorreyPines
Lakeofthe22655SunsetRidg
Lakeofthe11351TorreyPineï
Lakeofthe22882 SunsetRidg
Lakeofthe11398TORREY Pl
Lakeofthe23311LonePine
Lakeofthe12762Lakeshore h
Lake ofth624566CameliaWa
Lakeofthe11363TorreyPines
Lakeofthe24257Oakmont
Lakeofthe10980SycamoreC
Lake ofthe12778TorreyPines
Lakeofthe11289Greenbriar$
LakeofthE23618St.Andrews
Lakeofthe24140GreenVallet
Lakeofthe12184TorreyPine6
Lakeoftbe13546TORREY PI
Lakeofthe11488MikadoCoul
Lakeofthe23071Broadmoor(
Lakeofthe23343GreenCourl
Lakeofthe11271Greenbriarï
LakeofthE11429TorreyPines
Lakeofthe10988Lakeshore h
Lakeofthe11078Lakeshoreh
Lakeofthe22850SunsetRidg
Lakeofthe11219BobolinkWc
Lakeofthe23917OakmontW
Lakeofthe12445TorreyPines
Lakeofthe12077TorreyPines
Lakeofthe11133 BobolinkW1
Lakeofthe11735TorreyPine6
Lakeofthe11189 Lakeshore h
Lakeofth613443TorreyPinei
Lakeofthe12216 Lakeshore h
Lakeofthe11080TorreyPinef
Lakeofthe23342 GREEN CO
Lakeofthe11466 lnverness?
Lakeofthe23567Acacia
Lakeofthe12249PoplarRoad
Lakeofthe12157EIm Coud
Lakeofthe12029LakeshoreE
Lakeofthe23084 Broadmoort
Lakeofthe22906SunsetRidg
Lakeofthe12522Lakeshoreh
Lakeofthe24858OroValleyF
Lakeofthe23070FOOTHILLI$469,000
*
Lakeofthe11061Lakeshoreh$470,000
Lakeofthe23219HazelWay $470,000
LakeofthE24950Oro ValleyF$475,000
Lakeofthe12165POPLAR $475,000
LakeofthE12135Lakeshore6$475,000
Lakeofthe13032TorreyPinei$477,750
LakeofthE11099TorreyPinei$480,000
LakeofthE12727TorreyPines$480,000
LakeofthE14306TorreyPinef$485,000
Lake ofthE23578 St.Andrews$489,000
Lakeofthe12321Poplar $489,000
Lakeofthe11731Farm Ct $489,500
Lake ofthE23098 Broadmoorf$492,500
LakeofthE12898 Lakeshoreh$495,000
LakeofthE12068 Lakeshoreh$499,000
LakeofthE12387W andererR $500,000
LakeofthE23741ChestnutCt.$500,000
Lakeofthe11111LakeshoreE$505,000
Lakeofth612995TORREY Pl$508,000
LakeofthE11462 MadroneCc$510,000
LakeofthE12410 Lakeshoreh$525,000
LakeofthE14433TorreyPinet$525,000
Lakeofthe11292 TimberCoul$525,000
Lakeofth611135Greenbriar $535,000
LakeofthE12876 Lakeshoreh$549,000
LakeofthE23493RollingHills $553,000
LakeofthE12289PoplarRoad$575,000
LakeofthE23499WayfarerC($575,000
LakeofthE12179WandererR $575,000
LakeofthE12666TorreyPine:$575,000
LakeofthE11435Madrone Cc$579,000
Lakeofth623299Broadmoorf$579,900
Lakeofth624041Eucalyptus($589,000
Lakeofthe25016LongCourt $592,000
LakeofthE11637LakeshoreE$599,950
Lak:ofthE13988TorreyPines$603,500
Lakeof!
h614353TorreyPi
nes$607,
000
@
LakeofthE12840Lakeshoreh$608,000
Lakeofth622681SunsetRidg$610,000
Lakeofthe11598lnverness $625,000
LakeofthE11736TorreyPinei$640,000
LakeofthE12217LAKESHOR $650,000
LakeofthE11732Lakeshoreh$690,000
Lakeofth611567MadroneCo$697,000
Lakeofth623396Shadow Driï$699,000
LakeofthE12297PoplarRoat$700,000
Lakeofth623400RollingHjlls $749,000
Lakeofth611709lnverness? $751,000
Lakeofth624066Eucalyptus($772,000
LakeofthE23816Lakeview C($828,750
LakeofthE24026Eucalyptus($835,000
Lakeofth612704Lakeshoreh$849,000
$193.26 95602
$187.25 95602
$243.59 95602
$237.50 95602
$197.92 95602
$270.68 95602
$270.42 95602
$300.00 95602
$242.50
95602
$244.50 95602
$289.35 95602
$257.63
$284.35 95602
$257.81 9560/
$283.52 95602
$314.66
95602
$234.41 95602
$229.55 95602
$211.67 95602
$209.96
95602
$229.16
95602
$292.48 95602
$275.45
95602
$238.41
95602
$278.12 95602
$230.13
95602
$221.32 95602
$239.68
95602
$263.04
95602
$257.16 95602-8111
$246.28
95602
$224.42 95602
$225.24 95602
$281.90 95602
$352.91
95602
$301.75 95602
$252.92 95602
$265.50 95602
$242.93 95602
$304.28
95602
$316.52
95602
$406.25 95602
$216.30 95602
$290.42 95602
$280.50 95602
$290.10 95602
$202.27 95602
$300.40 95602
$269.93 95602
$490.97 95602
$286.65 95602
$304.41 95602
O
@ L
akeofthE
e1128
16L
Ga
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ees
nh
bo
ri
aer6$86
r
50,000
Lakeofthe23440Shadow Dr.$885,000
Lakeofthe23591Woodhaven $897,500
Lakeofthe23554Shadow Drh$900,000
Lakeofthe12845Iakeshorent$907,500
Lakeofthe23861Lakeview C($910,000
Lakeofthe11680Lakeshore6$933,275
Lakeofthe23610Woodhaven $949,000
Lakeofthe24010Balsam Cou$995,000
Lakeofthe12625 Lakeshoreh
Lakeofthe12228Lakeshore6
Lakeofthe12330 Lakeshoreh$329,000
Lake ofthe11359 Lakeshoreh
LakeW ildv18102FoxtailDr $235,000
@
@
LakeW ildv17712MINNOW ? $275,000
Lake Wildv14811SUN FOREI$276,000
LakeW ildv11562BUCKEYE($280,000
Lake Wildv17814SilverPine($288,000
LakeWildv13009GoldenTrob$290,000
LakeWildv15089WoodlandL,$295,000
LakeWildv14399Lodgepole $297,000
LakeWildv17814 Huckleberry $299,900
LakeWildv18457 FairOaksD $300,000
LakeWildv14674Nutmeg Cot$300,000
LakeWildv12983GoldenTrob$300,000
LakeWildv14062SunForestI$305,000
LakeWildv17575 FoxtailDrive$305,000
LakeWildv18073 FAIR OAKS $305,000
LakeWildv18072JayhawkDri$307,000
LakeWildv14818W oodlandL.$310,000
LakeWildv12728 Roadrunner $310,000
LakeW ildv12883LakeW ildwt$311,000
LakeWildv12964GoldenTrob$311,000
LakeWildv12669 RidgecrestF$315,000
LakeWildv18311HUMMINGB $315,000
LakeW ildv14350 LODGEPOL$319,000
LakeW ildv17914 Lake Forest$319,000
LakeW ildv19607ChaparralC $320,000
LakeW ildv14368 LAKEW ILD'$321,500
LakeW ildv11599 LinnetCt $322,500
LakeW ildv17930FoxtailDrive$325,000
LakeW ildv14525SunForestI$325,000
LakeW ildv11055FisherCt $329,500
LakeW ildv20664ChaparralC $329,500
LakeW ildv11406 CottontailW $330,000
LakeW ildv17860 LakeForest$330,000
LakeW ildv14713NutmegCot$330,000
LakeW ildv11574 BUCKEYE ($330,000
LakeW ildv18251LakeForest$330,000
LakeW ildv17802 HUCKLEBE $330,000
LakeW ildv14684 SUN FOREI$330,000
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@
@
LakeWildv20904 ChaparrelC $335,000
LakeWildv14316PEPPERWI$336,000
LakeWildv18529FairOakDri$339,000
LakeWildv14499Sun Forest $339,000
LakeWildv14516Sun ForestI$340,000
LakeW ildv14161Lodgepole(:$343,000
LakeW ildv19230SiskinCt. $345,000
LakeW ildv13047THISTLEL($345,000
LakeW ildv18500 FairOaks $347,000
LakeW ildv14373KnobconeD $349,500
LakeW ildv13899SUN FOREt$350,000
LakeW ildv13906CanopyCou$350,000
LakeW ildv19931 Echo BlueD $350,000
LakeW ildv20208TANGLEWI$351,000
LakeWildv14686NutmegCt $352,000
LakeW ildv20197ChaparralC $354,000
LakeWildv19373ChaparralC $355,000
LakeW ildv17694 LakeForest$355,000
LakeWildv14710Sun ForestI$355,000
LakeWildv14320 LAKEWILD'$355,000
LakeWildv18339 LakeForest$356,000
LakeW ildv14339SUN FOREI$356,000
LakeWildv18991swal
low Wa $359,000
LakeWildv14319 Knobcone D $359,500
LakeWildv13619 LAKEWILD'$360,000
LakeWildv17834 LAKEFORE$360,000
LakeWildv17786 LakeForest$362,500
LakeWildv13821LakeWildwt$365,000
LakeWildv14293LODGEPOL$365,000
LakeWildv17681Candlewood$365,000
LakeWildv17798FoxtailDrive$365,000
LakeWfldv17868SilverPineE$366,500
LakeWildv18050 FOXTAILDI$369,000
LakeWildv14513SUN FOREf$369,500
LakeW ildv17807FOXTAILDI$370,000
LakeW ildv14816 SunForestI$370,000
LakeW ildv19723ChaparralC $370,000
LakeW ildv17768SILVER PIN $371,000
LakeW ildv14432Lodgepole (:$375,000
LakeWildv14147SUN FOREt$381,000
LakeWildv11573LAKE WILD'$385,000
LakeW ildv13894HEMLOCKI$385,000
LakeWildv17754MINNOW W $389,000
LakeWildv19662CHAPARR/ $390,000
LakeW ildv14785SUN FOREI$395,000
LakeWildv12880LakeWildwt$395,000
LakeWildv14175Lodgepole $396,000
LakeWildv17807FOXTAILDI$397,000
LakeWildv14013HEMLOCK I$399,000
LakeWildv17543LONG BRAI$399,500
LakeWildv13270THISTLE LC $409,000
LakeWildv20769ChaparralC $410,000
0.44 $171.79 95946
0.29 $263.32 95946
0.76 $256.24 95946
0.3 $251.11 95946
0 $219.35 95946
0.33 $270.93 95946
0.36 $221.86 95946
0.3 $239.58 95946
0.33 $236.05 95946
0.3 $286.48 95946
0.31 $191.26
95946
0.2 $259.26 95946
0.33 $250.00 95946
0.33 $227.92 95946
0.38 $275.00
95946
0.41 $201.48 95946
0.33 $205.56 95946
0.3 $322.73
0.36 $273.50
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0.3 $194.10
95946
0.38 $296.67
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0.33 $235.61 95946
0.3 $232.81 95946
0.31 $204.49
95946
0.3 $224.30 95946
0.3 $321.43 95946
0.3 $282.32 95946
0.29 $165.91 95946
0.3 $144.21 95946
0.5 $246.12
95946
0.3 $241.56
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0.29 $238.45 95946
0.3 $208.47 95947
0.3 $251.87 95946
0.3 $240.26 95946
0.36 $243.10 95946
0 $244.06 95946
0.3 $209.49 95946
0.3 $265.39
95946
0 $151.37
95946
0.36 $237.22 95946
0.37 $227.95 95946
0.29 $194.11 95946
0.31 $221.59 95946
0.3 $253.69
9594
0.31 $217.87 95946
0.33 $184.44 95946
0.3 $257.79 95946
0.3 $208.14
95946
0.75 $261.45
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0 $225.10
95946
0.4 $172.63
95946
@
@
@
LakeW ildv18031LakeForest$415;000
LakeW ildv17775HitchCourt $415,000
LakeW ildv20715 CHAPARRJ $415,000
LakeW ildv17892 Huckleberry $415,000
Lake Wildv20877 ChaparralC $415,000
Lake Wildv18491LAKEFORE$420,000
LakeW ildv11347Ringtail $423,000
LakeWildv11834W arblerWa $425,000
LakeW ildv20003ECHO BLUE$425,000
LakeW ildv18531LAKE FORE$425,000
LakeWildv18072 JayhawkDri$427,000
LakeW ildv18227 Lake Forest$429,000
LakeW ildv12639RIDGECREI$429,500
LakeW ildv11640 Buckeye Cir,$434,000
LakeW ildv17708ChaparralD $435,000
Lake Wildv17925ChaparralD $435,000
Lake Wildv14162SunForest($439,000
LakeW ildv18639 Lake Forest$440,000
LakeW ildv18060 Hummingbir$440,000
LakeW ildv20744CHAPARR/ $442,000
LakeW ildv20286CHAPARR/ $446,000
LakeWildv18594JayhawkDr.$450,000
LakeW ildv18172Hummingbir$450,000
LakeW ildv18145 Fairoaks $450,000
LakeWildv12540 LAKE WILD'$450,000
LakeW ildv13117ThistleLoop $450,950
LakeWildv11210 RingtailRoa $452,500
Lake Wildv18738Wildflower(:$454,000
LakeW ildv11630RedwingCo $455,000
LakeW ildv14332KNOBCONE$455,000
LakeW ildv18370JAYHAWK($460,000
LakeW ildv13762Strawberry($462,500
LakeWildv18216W ildflowerE $465,000
LakeWildv20417ChaparralC $465,000
LakeW ildv11471Phoebe Cou$470,000
LakeWildv19986EchoBlue D$470,000
LakeW ildv19541ChaparralC $472,000
LakeWildv14304LakeWildwl$472,000
LakeW ildv13751Hemlock $475,000
LakeW ildv14077Jasmine Lo($475,000
LakeW ildv17926LakeForest$475,000
LakeW ildv11845GoldfinchC($480,000
LakeW ildv17753RedsideCt $485,000
LakeW ildv13195THISTLE LC$485,000
LakeW ildv14214LodgepoleE$485,000
LakeW ildv18304HUMMINGE $485,000
LakeWildv12917GOLDEN TE$489,000
LakeW ildv14133SunForestI$489,500
LakeW ildv11018RingtailRd $490,000
LakeW ildv18776JayhawkDr.$495,000
LakeW ildv12717GREENBRC $497,500
LakeW ildv11405BobcatCoul$499,000
LakeWildv13173THISTLE LC$499,000
LakeWildv18931LakeForest$499,000
LakeWildv20877ChaparralC $500,000
LakeWildv13213 Roadrunner$501,000
LakeWildv13298ThistleLoop$507,000
LakeW ildv12638Roadrunner$525,000
LakeW ildv18813Hummingbir$528,000
LakeW ildv18784 Meadowlark$529,000
LakeW ildv14027Strawberry($530,000
LakeW ildv12202 LakeWildwt$530,000
LakeW ildv19230SiskinCourt$539,500
LakeW ildv18082QuailCt. $539,900
LakeW ildv20543ChaparralC $540,000
LakeW ildv19101JayhawkDri$543,375
LakeWildv12808LakeWildwl$544,500
LakeW ildv10994 BADGER Ct$545,000
LakeWildv11251MartenCou,$545,000
LakeW ildv13730Strawberry($545,000
LakeW ildv19131Hummingbir$549,000
LakeWildv12749LakeWildwt$556,000
LakeWildv18239LAKEFORE$565,000
LakeWildv19626EXPLORER $568,100
LakeWildv12006Wam ing Cc$569,900
LakeWildv13575SunForestI$572,500
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* LakeWi
ldv18
20
708
5F
Go
RxE
ta
Eil
NDBri
R
ve
C$575
4,
000
@
LakeWildv19745ChaparralC $575,000
LakeWildv17532LONG BRAI$590,000
LakeWildv13693ForestPark $595,000
LakeWildv18410BlueTealLc$599,500
LakeWildv19798ExplorerDri,$600,000
LakeWildv19004Chickadee($600,000
LakeW ildv13014TowheeCt $602,000
LakeWildv18488JayhawkDri$610,000
LakeWildv14241LODGEPOL$610,000
LakeW ildv17756ChaparralD $613,000
LakeW ildv12137LAKEWILD'$618,500
LakeW ildv18690LakeForest$620,000
LakeW ildv18027WILDFLOW $625,500
Lake Wildv19704Echo BlueD $629,
000
Lake Wildv19395CHAPARRJ $640,000
LakeW ildv17777JayhawkDr$665,500
LakeWildv19274ChaparralC $669,000
LakeWildv19012CHICKADEE$685,000
LakeWildv13134LakeWildwt$700,000
LakeWildv12196Lakewildwo $700,000
LakeWildv18910Chickadee($749,000
LakeWildv11843 LAKEWILD'$785,000
LakeWildv20010I-AKESIDEt$790,000
LakeWildv13492 LAKEWILD'$799,000
LakeWildv17972ChaparralD $800,000
LakeWildv20036LAKESIDE t$825,000
2
3
2
2
3
3
2
2
3
@ L
akeWi
l
dv19
33
63
16
5C
FO
ha
RpE
aS
rr
T
alP
C/$87
35,
000
LakeW ildv11843 LAKEW ILD'$885,000
2
3
3
LakeW ildv18785MEADOWD
LakeW ildv13509FOREST P/
LakeW ildv13743Strawberry(
LakeWildv13421DRIFTWOO
LakeW ildv18975Chickadee($550,000
LakeW ildv13938LodgepoleC$825,000
LakeWildv18998chaparral
LakeWildv13732 ForestPark
LakeW ildv19078ChaparralD $770,000
McCourtnf16100 BarbaraCt $295,000
McCourtnf14545 EVanTam $300,000
McCourtnt11697Mccourtney $305,000
McCourtnt13511MccarterW $339,950
QcCourtnf21610Mccourtney$345,000
@
@
McCourtnt22877LofallLane $348,500
McCourtnf10160 Norambagul$349,000
McCourtnf11774ScottsDrive $400,000
McCourtnt23840 PerimeterR'$400,000
McCourtnt15634WolfMounts$410,000
McCourtnf16394 DryCreekLl$425,000
McCourtnt15988 DuggansRc$430,000
McCourtnf14722S Ponderosl$491,000
McCourtnf15308 RovingWay $500,000
McCourtm 12941W ildroseCc$500,000
McCourtnt18931MaggieLanf$500,000
McCourtnf16189 lndianSprin!$502,000
McCourtnf15729 FremontRd $585,000
McCourtnf19221Mccourtney $645,000
McCourtnf13747SUGAR LO/$660,000
McCourtnl12561Nottingham $665,000
McCourtnt13975 RetracWay $700,000
McCourtnf12540 SUTHERLA $748,000
McCourtnt22740LencrestLar$749,000
McCourtnf13447AmericanRJ$754,
000
N SanJual14437OIdMarysvil $45,000
N SanJual110Mainstreet $53,500
N SanJual14437MarysvilleR $64,800
N SanJual18121CruzonGral$157,000
N SanJual29318STATE HW'$175,000
N SanJual13129MarysvilleR $196,000
N SanJual17990FOXFIRE? $205,900
N SanJual12362Shadycreek$207,900
N SanJual18808FoxfireWay $218,000
N SanJual20505GRIZZLY CI$229,000
N SanJual17300Skyland RoE$229,000
N SanJual11463TylerFootel$247,500
N SanJual18627FOX FIRE V $250,000
N SanJual22819Purdon Roa'$279,000
N SanJual10115Francisco L1$300,000
..œ
'x
Lgz
c
.
e
a
'el
3
@
N SanJual998 Pike CityRd $332,500
N SanJual11431TylerFooteI$349,000
N SanJual10870 IVEY LANE $360,000
N SanJual14111Cope Way $389,000
N SanJual3980-81Ridge Rd.$400,000
NSanJual13480DolomiteCt.$430,000
N SanJual11268TylerFoote.$435,000
NSanJual18505RAINBOWS $439,000
N SanJual16531Cornflower($450,000
N SanJual10200Stotler
$450,000
N SanJual29980Hiway49 $475,000
N SanJual11777TulaneDrivf$497,000
N SanJual24880FANDOR R($558,000
N SanJual26661FeatherCotl$629,000
N SanJua115256 KILHAM CIF$635,
000
NevadaC1t35412 Grani
tevillel $89,900
NevadaC1115084 BI
TNEY SPI$108,900
NevadaCi1251WILLOW VALI$185,000
NevadaCi119840CruzonGrat$215,000
NevadaCi111108JohnMuirL1$240,000
NevadaCi
1105NevadaCityHi$245,000
NevadaCil11025MysticCourt$260,000
NevadaCit28299Sweetland1:$277,000
NevadaCi112681ShadyCreel$280,000
NevadaCit17004 BLUE SKY($290,000
NevadaCil15913MountainVit$290,000
NevadaCi119071RockCreek $297,350
NevadaCi1102MINEROCK $300,000
NevadaCi112575Zeibright $300,000
NevadaCil12377PawneeTra $301,500
NevadaCi1512JordanStreet $302,500
NevadaCil19517Burning Bus$305,000
NevadaCi1509 NimrodC
$307,000
NevadaCif313GracieRd. $308,000
NevadaCil16994Highway49 $309,000
NevadaCit18771PurdonRd. $315,000
NevadaCi119066SCOU SFL$318,000
NevadaCit11523BitneySprinf$320,000
NevadaCi112836NevadaCiN $320,000
NevadaCi115245LewisRd $320,000
NevadaCil16285Pasquale $320,000
NevadaCi112948Idaho Maryll$322,500
NevadaCi$548 EastBroadSt.$325,000
NevadaCi116340BannerQua $329,000
NevadaCi112632SummitRidr$330,000
NevadaCi1524SPRING
$335,000
NevadaCi113304LIU LEYOF$339,000
NevadaCi1618ZionStreet $339,950
NevadaCi114994BITNEY SPI$340,000
NevadaCi115411CascadeLo $349,000
NevadaCi113381NewtownRc$350,000
* NevadaCi
1315BRI
DGEWAY$350,000
95959
NevadaCit210HighStreet
NevadaCit13274ChinaClose
NevadaCil10018DOW RD.
NevadaCil319BRIDGE WAY
NevadaCi1340BRIDGE WAY
NevadaCi115586RidgeEstatf
NevadaCi110555Charlie Deat
NevadaCil7O6W BroadSt
NevadaCil436ClaySt.
NevadaCi1227BROCK RD.
NevadaCil21793ScottsFlatF
NevadaCi113305BannerLav:
NevadaCi112785MayflowerD
NevadaCit80MineRockRd.
NevadaCi120278ScottsFlatF
NevadaCi1329 BRIDGE WAY
kevadaCi
110671NorthBloor
@
NevadaCi1175 King Hiram
NevadaCil316 MonroeStreet
NevadaCi1519 NurseryStreet
NevadaCi116647Eden Ranch
NevadaCi113874GAS CANW
Nevada Cil322 BridgeWay
NevadaCi125600Burda
NevadaCit623BECKMAN
NevadaCi116058 BannerQua
NevadaCi113255CHINA CLO
NevadaCi116153 BannerQua
NevadaCi116605 RockCreek
NevadaCi112119JonesBarR
NevadaCi111224 NEWTOWN
NevadaCi1144OrchardStreet
NevadaCi117328 BlueTentS(
NevadaCil420SearlsAvenue
NevadaCi112546ValleyView
NevadaCi116918OIdDownim
NevadaCil15597ShannonW1
NevadaCi115760RidgeEstatf
NevadaCil14927LewisRd
NevadaCit15760RidgeEstatf
NevadaCil12032 BannerLavE
NevadaCif14995Iakelane
NevadaCi111657TreeTopCi1
NevadaCi115285N Bloomfiek
NevadaCi1555NevadaStreet
NevadaCil15064 ManzanitaE
NevadaCi111977CASCIROA
NevadaCi112218GayleLane
NevadaCi112855QuakerHill4
NevadaCi121328PineNeedle
NevadaCif13419IdahoMarylz
@ Nevadaèi
l14958EchoRidge
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L@'
@
@
NevadaCi113830 Rockway $437,000
Nevada Ci114667NorthBloom $439,000
Nevada Ci1322NileStreet $439,500
NevadaCit10723E PiperLanf$440,000
NevadaCi114633BannerLave$440,000
NevadaCi111205IconWay $442,000
NevadaCi114940Lake Lane $445,000
NevadaCi112649MayflowerD $445,000
NevadaCi116914SelbyLane $455,000
NevadaCi120274New RomeI$458,000
NevadaCi1180/182GROVES $459,000
NevadaCi112273JonesBarR $459,500
NevadaCi119694ScottsFlatF$465,000
NevadaCi113187QuakerHill($467,000
NevadaCi1202ProspectSt $468,000
NevadaCi111980CasciCourt$469,000
NevadaCi114401NimbusDan$470,000
NevadaCi112755KentuckyFk$470,000
NevadaCi117153W ild Plum L $471,000
NevadaCi113017BORHAM $475,000
NevadaCit12572GayleLane $475,000
NevadaCil13010 Red Dog Ro$475,000
NevadaCi111674ForestView $479,000
Nevada Cit12824 Red Dog Ro$480,000
NevadaCit12431GayleLane $480,000
NevadaCi115741LewisRoàd $485,000
NevadaCit12257CASCADE l$485,000
NevadaCi1631SpringStreet $488,000
NevadaCil14584ChardenRd $489,000
NevadaCi1441Sacramento S1$490,000
NevadaCi110842GenasciRo1$490,000
NevadaCi112904 Madrone Fo $495,000
NevadaCi112154 CedarCoud $495,000
NevadaCil12929 Red Dog $496,000
NevadaCil13045GASTON Dl$498,999
NevadaCi1426Jordan
$500,000
NevadaCil11930CrystalWell?$500,000
NevadaCi112590ValleyView $512,500
NevadaCi111914 INCLINE SI-$515,000
NevadaCi1112BoulderStreet$517,500
NevadaCil11879CEDAR SPF$520,000
NevadaCil318ClayStreet $524,000
NevadaCi$17950LazyDog R($525,000
NevadaCi112586SummitRidf$525,000
NevadaCi110037Dow Road $525,000
NevadaCil401GracieRd. $525,000
NevadaCi112125CrystalWellt$525,000
NevadaCi112754SummitRidt$529,000
NevadaCi1107MILLSTREET $529,000
NevadaCi116495LakeVeraFi$529,000
NevadaCi113738IDAHO MAF$530,000
NevadaCi1880Gold FlatRoac$535,000
95959
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(@
* N
evadaCi
11
23
18
38B0ri
do
F
gr
ees
StV
r
ei
et
w$539,5
000
NevadaCil11923CrystalW ellt$540,000
@
@
Nevada Cil10099Nishinam GI$545,000
NevadaCil13300KILHAM MI,$545,000
NevadaCi1100WoodsCt. $545,000
Nevada Ci110961SutterWay $548,000
NevadaCi116230BushRd. $550,000
NevadaCi110966 MorningSta $550,000
NevadaCi1544E Broad
$550,000
NevadaCit15084 LAKELANE $550,000
NevadaCi111710ForestView $551,500
NevadaCif18360NUBIAN W/$552,500
NevadaCi112092 CrystalWeIl:$556,000
NevadaCit14542 Echo Ridge $559,000
Nevada Ci111702 InclineShaft$560,000
NevadaCi114500IDAHO MAF$565,000
Nevada Ci110021HarmonyRit$567,500
NevadaCi112523BannerLaw $570,000
NevadaCil15644 DREAM SKA$575,000
NevadaCif16992ShoshoniTr$575,000
NevadaCi110771WoodReed $575,000
NevadaCi115876Ridge Estati$575,000
NevadaCil14779Echo Ridge $580,000
NevadaCil11038RIDGE ROJ$580,000
NevadaCi111657ForestView $580,000
NevadaCi115104MonteVista $589,000
NevadaCil11279MARJON DI$589,000
NevadaCi110031BannerLav:$589,000
NevadaCi117188N Hwy49 $590,000
NevadaCil12722LookoutCirt$595,000
NevadaCi111399SKYPINE Rf$599,000
NevadaCi112754SummitRidl$599,900
NevadaCif226ParkAve
$600,000
NevadaCi114668BANNER L/$600,000
NevadaCi1420MtCalvaryLn $600,000
NevadaCi1205ClaySt.
$605,000
NevadaCit12800SummitRidt$610,000
NevadaCil12223GayleLane $615,000
NevadaCi110997CrescentDr$615,000
NevadaCi111207MARJON DI$619,000
NevadaCiI12989MadroneFo $619,000
NevadaCi117478LazyOaks $619,000
NevadaCi116825BloomfieldC $620,000
NevadaCi112779MorroDrive $620,000
NevadaCi116TurpentineDr. $625,000
NevadaCi113402RED DOG F $630,000
NevadaCi111948CrystalW ellt$632,500
NevadaCi110196Nishinam Gl$643,000
NevadaCil303PARKAVE $649,000
NevadaCil20198RectorRoac$649,000
NevadaCi110675KateVincen $649,000
C)
O$q
#
.
NevadaCil12820W oolmanLë$650,000
NevadaCil656NevadaStreet $650,000
Nevada Cif10363W hisperingl$650,000
NevadaCi114119 BEITLER RI$657,000
NevadaCi111600Willow Valle $660,000
NevadaCil12520 GayleLane $675,000
NevadaCil226NevadaStreet $675,000
NevadaCi118013AugustineR $679,000
NevadaCil15472 ShannonW1$681,500
NevadaCi113200Slate Creek $687,000
NevadaCi112198BLAZING S-$687,000
NevadaCi113574 BRANNON f$695,000
NevadaCi113598QuakerHill;$697,000
NevadaCi1220Boulder
$697,500
N'
evadaCi110305Laurentiank$699,000
NevadaCit13234 Willow Valle $700,000
NevadaCi110987 BERGGREh$703,000
NevadaCi112171SlateCreek $723,750
NevadaCi113890KentuckyRiI$725,000
NevadaCi114775BannerQua $725,000
NevadaCi114974QuartzLane $730,000
NevadaCi114158Gochine $730,000
NevadaCi110357Ridge Road $735,000
NevadaCi117903LightfootW:$745,000
NevadaCi114503Greenwood $745,000
NevadaCil18143OakTree R($750,000
NevadaCi114937QuartzLane$760,000
NevadaCil14205QuakerHill($760,000
2
2
2
2
2
2
3
2
95959
95959
95959
95959
95959
95959
95959
95959
95959
95959
95959
95959
95959
NevadaCi111011WillowValle$764,505
NevadaCi110770BannerMint$765,000
NevadaCi1538EastBroad $776,000
NevadaCi111325VarnellDr. $783,000
NevadaCi112376ScottsValle)$784,000
NevadaCi111482TOW ER Hlt$785,000
NevadaCi1534E Broad
$785,000
NevadaCit15548LakeVera P $785,000
NevadaCil23329State Hwy21$789,000
NevadaCi1517JORDAN STRI$789,000
NevadaCi111063BANNER Ml$790,000
NevadaCi1541/543LostHills($794,000
NevadaCi1511NurserySt $795,000
NevadaCi1551N Pin:
$803,000
NevadaCi111590NORTHVIE!$804,000
NevadaCi110575MerryhillWc$820,000
NevadaCi114417BannerMou $825,000
NevadaCi120653RectorRd. $825,000
NevadaCi114677Deerhaven $835,000
NevadaC11643EBroadStreet$840,000
NevadaCi111527DeerParkD $867,500
NevadaCi116295QueenLiIPI$869,000
NevadaCi113701Beitler
$869,900
@ NevadaCi
110770BannerMi
nE$880,
000
3
2
2
3
95959
*
@ NevadaCi
113
12
54
80
3B
Lo
at
n
hn
l
o
er
ie
MnoLu
1$885,
000
NevadaCil10583ValenciaRo $895,000
NevadaCi114282QuakerRidl$915,000
NevadaCi111781BannerMou$927,000
NevadaCit630ChiefKelly $960,000
NevadaCit13595QUAKER HI$970,000
NevadaCi114953MONTEVIS $975,000
NevadaCi112886DiscoveryZ $979,000
NevadaCi113732QuakerHill($989,000
NevadaCi111790 LowhillsRoE$990,000
NevadaCi1517W BroadSt
NevadaCi114553HarmonyEs
NevadaCi110641BoulderStre
NevadaCi113287WOODSTO'
NevadaCi111555SKY PINES
NevadaCi1523W Broad
NevadaCi110499JasperAgat
NevadaCi115248BannerQua
NevadaCi113498QuakerHill(
NevadaCi110800MILLSPRIN
NevadaCi114496OAKRIDGE
NevadaCit528 EBroad St
NevadaCi114230 Lee Lane
@
@
NevadaCi112215 PokePlace $225,000
NevadaCi112576 RobinsonR($260,000
NevadaCi112200 RobinsonR($228,500
NevadaCi1214 DrummondSt $369,000
NevadaCi116011MountainVif$265,000
NevadaCi1633W BroadStree$405,000
NevadaCi112037Red DogRd$504,000
NevadaCi1349BrockRoad $550,000
OutofArel12780 BakerRoad $200,000
OutofArel5590ARBOGA RO $224,000
OutofArel107MacarthurStre$241,000
OutofArel501GibsonDr#22 $242,000
OutofAreê6306WexfordCir. $243,300
OutofArel17895Rainbow Lal$245,000
OutofArel11193BREEZY BL$270,000
OutofArel1609 KentuckyWa'$317,000
OutofArel1089ReyCircle $339,000
OutofArel3165Talking Moun $360,000
OutofAreë25RUSSELLROAI$360,250
OutofArel1180RoughandRd$395,000
OutofArel2200SawtootbCt. $410,000
OutofArel4600StuadPlace $425,000
OutofArel5014 RED ROCK ($425,000
OutofAreë4813 PercheronDr$445,000
OutofArel12107GoldBluffL1$466,500
OutofArel5006WestlakePkv$499,900
OutofArel2200RossDrive $512,000
OutofAre;12628QuailHollo? $573,000
8+
4
5
3
3
3
3
4
3
4
3
4
6 4+
4 4+
3
3
3
5 4+
3
4
3
5 4+
3
4+
*
OutofArel5070DiscoveryPoi$700,000
OutofArel46 EdisonAvenue $850,000
OutofAreé24588Camino Del$940,000
OutofAreë1765LURLINEAVI$987,500 8+
OutofAreë2663 BurgardLane$995,000
OutofArel12859AustinFores
OutofArel9159 NewhallDrive$212,000
OutofArel781KingAve
$270,000
OutofAreë29 LaForet
$305,000
OutofArel990SpartaWay $350,000
OutofArel2783 BettyWay $359,000
OutofArel7201AlpineWay $769,000
Peardale/c11246BrunswickD $272,500
Peardale/c13922BROOKS R4$275,000
Peardale/c12071SunshineW $282,000
Peardale/c17829Maple
$290,000
Peardale/c11385CedarRidgE$300,000
Peardale/c14462TalkingPine$300,000
Peardale/c11883NancyLane $304,000
Peardale/c17889MAPLE WA'$322,500
Peardale/c14709PowerlineR'$342,500
Peardale/c15708YOU BET R $350,000
Peardale/c16958LowerColfa:$353,500
Peardale/c13544PeardaleRc$355,000
Peardale/c13511N Meadow &$365,750
Peardale/c14245MeQ Ranch $385,000
@ Peardal
e/c15
49
50
49
8M
WT
i
l
dO
eL
rI
L
VaEne
F$399
7,
7000
00
,
Peardale/c14491TalkingPlnE$400,000
Peardale/c19376YouBetRd.$410,000
Peardale/c14678YouBetRoc$425,000
Peardale/c12587Old Stage($429,900
Peardale/c17751OAKWAY $434,000
Peardale/c14530OrzalliWay $440,000
Peardale/c 13460Colfaxhwy $455,000
Peardale/c 14130sontaghill $460,000
Peardale/c14385DALMATIA/$479,000
Peardale/c11442CEDAR RID $479,950
Peardaje/c15956COLFAX Hk$485,000
Peardale/c15443Orchard Spr$501,000
Peardale/c14566TALKING PI$520,000
Peardale/c15616orchardspril$536,000
Peardale/c16800LowerColfa:$539,000
Peardale/c14619PowerlineR'$569,000
Peardale/c17967STRAIGHT $570,000
Peardale/c19495Mockingbird $570,000
Peardale/c13376NoelLane $600,000
Peardale/c15304COLFAX Hk$600,000
Peardale/c14254JudyLane $620,000
Peardale/c16676LowerColfa:$629,220
Peardale/c15207Meadow Dri'$660,000
@ Peardal
e/c16030Orchar
dSpr$675,000
$297.87
$708.33
$626.67
$109.72
$312.99
$390.11
$242.29
$207.69
$135.56
$280.90
$306.31
$417.93
$230.15
$269.61
$235.79
$326.58
$303.64
$250.00
$300.99
$230.36
$214.60
$255.66
$273.61
$296.57
$297.36
$320.83
$368.24
$306.92
$196.95
$683.33
$270.01
$245.10
$263.03
$247.19
$167.90
$179.69
$381.37
$310.85
$384.92
$135.41
$321.58
$330.46
$269.37
$284.36
$266.73
$324.60
$258.40
$315.79
$311.09
$314.45
$258.32
$343.51
>
9M 9E
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AKmnd
95924
95945
95949
95945
95924
95945
95945
95945
95945
95945
95945
95945
95945
95945
95945
95712
95945
95945
95945
95945
95945
95945
95945
95945
95945
95924
95945
95945
95945
95945
95945
95945
95945
95945
95945
95945
95945
95945
95945
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*
Peardale/c13196Bradford Dr.$675,000
@ Peardal
e/
c142
06
75
1R
TO
ahL
oL
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N
VS
ieP
w?$69
79
5,5000
00
,
Peardale/c19600HansenLan $700,000
Peardale/c13690SontagRoa $700,000
Peardale/c13220AvelinaWaJ$715,000
Peardale/c12676HighSierra $739,000
Peardale/c18958LouisRoad $825,000
Peardale/c12708SierraVista $840,000
Peardale/c14598DALMATIAh$865,000
Peardale/c14468CattailLane
Peardale/c13801MarieLane
Peardale/c12381ColfaxHighï
@
@
PennValle232 RobinSt
$1,000
PennValle104LARK ST
$13,000
PennValle217Robin
$13,500
PennValle10CarrieAnn
$21,000
PennValle109Lark
$31,000
PennValle204 Robin
$32,000
PennValle324Quail
$35,000
PennValle110 LARK STREEI $35,000
PennValle14CarrieAnnLanE $35,000
PennValle324QUAIL
$38,000
PennValle324Quail
$42,000
PennValle26CarrieannLane $44,000
PennValle323QuailLane
$66,900
PennValle11261SierraCircle$200,000
PennValle11066SierraCircle $215,000
PennValle10470BrokenOak $250,000
PennValle10743MooneyFlat$265,000
PennValle10485RexReservt$270,000
PennValle19000IndianSprint$280,000
PennValle 10644LiveOakLa1$280,000
PennValle8040Platinum Circ $287,500
PennValle23287St.Helena $289,000
PennValle21881BURKE RO/$292,500
PennValle18611EasyStreet $296,000
PennValle8046DiscoveryCirl$299,000
PennValle 12025Shepard Ro;$299,900
PennValle10065LOGUE LN $305,000
PennValle10677Spenceville $307,000
PennValle18565Siesta Drive $309,000
PennValle18369SiestaDr. $310,000
PennValle22832Puffball $310,000
PennValle 10356 BrokenOak $315,000
PennValle 12488EMPW DlG $319,000
PennValle 18843PennValley $320,000
PennValle 10030ValleyDrive $325,000
PennValle21635SalsaCt. $330,000
PennValle 10477BrokenOak $330,000
PennValle 13804BitneySprin!$330,000
PennValle8108QUARTZ I.-A,$335,000
95946
95946
95959
95977
95946
95959
95977
PennValle16494GlekoRd $342,
000
PennValle10173 MelodyRoa,$343,900
PennValle10261QuincyLane$347,000
PennValle18799 EASY ST $349,000
PennValle19504Tara Lane $349,900
PennValle19373ValleyVista $360,000
PennValle 11998Rough& Re $360,750
PennValle23565StHelena $368,600
PennValle 11134Burkard $369,000
PennValle 19076BrandingIro $370,000
@
@
PennValle18646WildflowerL$379,000
PennValle 10660VoyageurW $380,000
PennValle17242CloverRd $382,000
PennValle16475GLEKO $387,000
PennValle6933PennyWay $389,900
'PennValle21855BURKE RD $395,000
PennValle10782VoyaguerW $395,000
PennValle11268Spenceville $399,000
PennValle19360TaraLane $399,250
PennValle18753 BiladeauLa1$415,000
PennValle10409DeIBonitaV $420,000
PennValle7165CrossStar' $429,900
PennValle17938LASSO LOC$429,900
PennValle13596 GoldCountr$430,000
PennValle 10908 PleasantVa $430,000
PennValle 18790PYRITECT.$430,000
PennValle11011hutto
$437,000
PennValle 10391PHEASANT $439,500
PennValle 11118PleasantVa $440,000
PennValle 16193HillaireRd. $440,000
PennValle18722Siesta Drive $450,000
PennValle17690OakView L1$455,000
PennValle10579Devonshirel$475,000
PennValle18562BiladeauLal$480,000
PennValle10520OakSprings$485,000
PennValle12125MELLOW Pl$485,000
PennValle16802KozyNest $497,000
PennValle19275Hilltop Rd. $500,000
PennValle11351MooneyFlat$500,000
PennValle11455BLACK RO/ $510,000
PennValle13936GOLD COU $510,000
PennValle8272CondorWay $520,000
PennValle 17329 DelMarWa.'$520,000
PennValle13315GOLD COU $525,000
PennValle19706ValleyVista $529,000
PennValle 13965GOLD COU $529,000
PennValle20089PennValley $533,000
PennValle 13943GoldCountr$537,500
PennValle18825PyriteCt. $545,000
PennValle 11262MooneyFlat$549,000
PennValle21850BlueHorizor$560,000
PennValle11039OakCanyon $565,000
95975
95977
95946
95946
95946
95975
95977
95975
95946
95946
95946
95946
95975
95918
95977
95946
95946
95946
95946
95918
95946
95946
95946
95946
95977
95946
95946
95975
95946
95946
95946
95946
95946
95946
95946
95946
95977
95946
95946
95977
95946
95946
95946
95946
95946
95946
95946
95946
95946
95946
@
@
@
PennValle 19811W ildwoodZ $575,000
PennValle19828VALLEY VI6$582,000
PennValle12377 ELNORA DF$585,000
PennValle21563John BornR $589,000
PennValle9960PeoriaRoad $590,000
PennValle11202OakCanyon$600,000
PennValle14834 NuggetLanf$605,000
PennValle7670WALSH LANI$615,000
PennValle14195 MooneyFlat$620,000
PennValle11911Spenceville $625,000
PennValle10149 ParkView L;$625,000
PennValle13333Gold Court $630,000
PennValle16930 KOZY NESI$642,408
PennValle11333 LongValley $643,000
PennValle10894CAVIU
$649,900
PennValle13690Gold Countr$670,000
PennValle10297VistaPointL$670,000
PennValle10796 RestEzeW;$675,000
PennValle11455 PENNVIEZ $689,000
PennValle16984 KOZY NESI$707,592
PennValle18747 LODESTO?$720,000
PennValle11195 Mo6neyFlat$749,000
PennValle11054 China Court$765,000
PennValle20124W ILDW OOE$960,000
PennValle20575POKER FLJ
PennValle10288 CrescenziP
PennValle13755RiverRockl
PennValle20486 JohnBorn R
PennValle10287 CRESCENZ
PennValle 14179BeitlerRoad
PennValle 15523Wintering G1$661,500
PlacerCou6154S WalnutSt., $87,950
PlacerCou12005Hemlock $89,000
PlacerCou1931HILLCREST l $92,500
PlacerCou17810MARLEIGH $150,000
PlacerCou11520GARNET W $155,000
PlacerCou3531TownCt.#1 $169,000
PlacerCou3635SAPPHIRE D $180,000
PlacerCou13021LINCOLN V$$210,000
PlacerCou13055#ELincolnw.$222,500
PlacerCou405SuttonPI. $278,500
PlacerCou700OaklandAve $279,000
PlacerCou220CrotherRoad $289,900
PlacerCou101PINE STREET $295,500
PlacerCou41198SkylineDrivt$300,000
PlacerCou131STEPHEN $308,900
PlacerCou34735E.TowleRo $314,000
PlacerCou220TreasudonSt.$321,000
PlacerCou1930MoodyRidge $335,000
PlacerCou162AlpineCircle $351,000
PlacerCou5 NAuburn
$360,000
PlacerCou112LincolnStreet $375,000
95713
95715
95603
95701
95713
95701
95713
95713
95713
w--e
V
r
.
*
PlacerCou215PineCourt $379,
000
PlacerCou210InclineDrive $395,
000
PlacerC0u998MIKKELSEN $399,
000
PlacerCou27165NortonGrad$403,
000
PlacerCotl34282E Towl
e $429,900
ngMis$434,500
PlacerCou12401Morni
PlacerCou4115RICHARDSO $442,
000
PlacerCou12005Norman Lan$450,000
PlacerCou580Alta Reservoir $469,000
PlacerCou6060 Stanley
$475,000
PlacerCotl13024Sweetbriar $487,000
PlacerCou1066OakCourt $490,000
PlpcerCou11927BrookeCree$497,000
PlacerCou12652Princeton $509,000
PlacerCou12295Alta Mesa D $510,000
PlacerCou940SpruceDrive $525,000
PlacerCou1055FoxRunCoul$530,000
PlacerCou12344lnclineDrive$535,000
PlacerCou1355LakeView Dr$545,000
PlacerCou1031Woodland Dri$545,000
PlacerCobl3006SaddleView 4$555,000
PlacerCou26596 NortonGrad$565,000
PlacerCou10650 LONE STAF$565,000
PlacerCou4200MillerOakDr$590,000
PlacerCou22850 Pine LakeD $619,500
PlacerCou17900 MARLEIGH $657,000
PlacerCou880EIOroDrive $675,000
PlacerCotl8803RIDGEROAI$680,000
PlacerCou246CrystalLane $689,500
PlacerCou1550RufRoad $699,900
PlacerCou6505CAMP FAR V $700,018
PlacerCou8320AuburnFolso $750,000
PlacerCotl505Riverview Dr. $840,000
PlacerCou5700CinderellaLal$925,000
PlacerCou595ClayCanyonC
PlacerCou9380 UpperValley
PlacerCou14000BellBrookV
PlacerCou13355Bellbrook
PlacerCou3893SouthparkPI1$345,000
PlacerCou24345ForesthillRc$260,000
PlacerCou34745ETowleRd $295,000
PlacerCou39ForesthillStreet$355,000
PlacerCou50JudahRd. $355,000
PlacerCou2233KingfisherLaI$447,000
PlacerCou24275GrandView $520,000
PlacerCou3901AyersHolme6$619,000
SierraCou14RamshornTracl $85,000
SierraCou425 MainStreet $229,000
SierraCou113MainStreet $249,000
SierraCou219W ildPlum Ridt$255,000
SierraCou16SquirrelHollow $275,000
@ Si
err
aCou11FrontStreet $290,
000
$287.12 95713
$230.32 95713
$355.30 95603
$183.35 95713
$150.31 95701
$278.53 95602
$321.22
95602
$260.57 95603
$264.97
95701
$197.92 95602
$233.69 95603
$240.31 95722
$331.33 95602
$256.17 95602
$284.92 95603
$232.30 95722-950:
$242.90 95603
$226.60
95603
$304.30 95736
$324.02
95722
$273.00
95602
$280.40
95713
$316.17
95602
$242.10
95602
$270.52 95713
$288.92
95703
$314.98 95603
$242.86 95658
$264.38 95722
$233.30 95713
$235.70
95681
$223.88
95746
$243.41
95603
$268.12
95602
$279.29
95713
$190.91 95602
$366.67 95602
$822.37 95602
$268.69 95602
$249.52 95631
$204.01 95714
$221.88 95713
$333.33 95715
$249.03 95648
$239.63
95713
$282.91 95602
$85.00
$254.44 95936
$207.50 95936
$267.86 96125
$189.66 96125
$252.17
95936
Street $362,000
@ S
i
e
r
r
a
C
o
u
7
1
2
1
5
9
M
P
o
a
n
i
n
t
a
RanchF$375,000
SierraCou15 BaileyRanchR($386,000
@
@
SierraCou23W ildRoseMeat$549,900
SierraCou127PearlStreet $620,000
SouthCoul10251Combie Roa $25,000
SouthCoul10736WolfDrive $220,000
SouthCoul11048 SHADY BR($255,000
SouthCoul10319 PEKOLEE E$265,000
SouthCoul16731RiverRanch$317,000
SouthCoul16058 Letourneau $330,000
SouthCoul18176 RiverRanch$340,000
SouthCoul13979OwlHillCou $349,900
SouthCoul11200 Lime KilnR($355,000
SouthCoul10348HOLCOMB $359,500
SouthCoul10088Lime KilnR($375,000
SouthCoul15119 MagnoliaRc$382,500
SouthCoul10928Palm Court $385,000
SouthCoul18566WolfCreek1$389,000
SouthCoul17750VintageDriv$389,000
SouthCoul24702State Highw,$390,000
SouthCoul17954RiverRanch$396,000
SouthCoul17588VINTAGE $435,000
SouthCoul21723E.Hacienda $435,000
SouthCoul16446TierraRoad $435,000
SouthCoul10600Linton
$437,500
SouthCoul18644WolfCreekI$454,000
SouthCoul23120RosewoodF$479,000
SouthCoul12254MagnoliaRc$485,000
SouthCoul10851LimeKilnRc$485,000
SouthCoul13385Oakbend $500,
000
SouthCoul13023HawkeyeLn $510,000
SouthCoul21939KnollsDr $525,000
SouthCoul21283ClivusDr. $525,000
SouthCoul13076GardenBar $529,000
SouthCoul10131CarriageRd $547,500
SouthCoul16649Stone Mead.$549,000
SouthCoul22961BrianLane $549,000
SouthCoul23657Rosewood $549,700
SouthCoul10262RunningM ($549,900
SouthCoul23333RosewoodF$559,900
SouthCoul22768W Hacienda$575,000
SouthCoul22702MeyerRavir$585,000
SouthCoul20615MorningSur$585,000
SouthCoul22904CameoDr. $595,000
SouthCoul21043SaltCreekF$600,000
SouthCoul25791Harvey Rd $600,000
SouthCoul10568GautierDr. $615,000
SouthCoul6730EstatesCt. $615,000
SouthCoul22497COTTAGE i$641,000
SouthCoul14207Countryside $645,000
SouthCoul16515W olfMeado'$665,000
0.21
0.86
0.34
20.04
0.27
0
5
5.5
3.22
10
2k5
5.65
4.8
1.5
7.36
1.83
2
5
5.3
1.09
1.08
12.01
1
10
$179.21 95936
$223.21 95936
$261.87 95936
$274.95 95960
$258.33 95936
$17.36
95602
$152.78 95949
$196.15 95949
$230.03 95949
$288.18 95949
$277.78
95949
$236.11 95949
$183.87 95945
$341.35 95949
$267.68
95949
$184.55 95949
$193.18 95949
$188.73 95949
$234.06
94959
$181.10
95949
$650.00 95602
$181.99 95949
$228.47 95949-000t
$435.00 95949
7.11
4.59
5
2.5
3.32
1.51
0.68
2.45
10
4.08
4.86
8.01
6.03
5
9.3
10
2.17
5
10
10
1.7
21.37
12.57
4.94
0.4
5
30.76
7.78
95949
$218.75
$239.70
$325.19
$248.72
$207.26
$356.38
$199.76
$308,82
$261.19
$377.32
$341.55
$264.83
$236.64
$401.83
$323.47
$276.77
$383.33
$325.72
$262.45
$280.40
$279.07
$254.02
$258.84
$279.55
$297.17
$331.62
$302.27
95946
95945
95602
95949
95949
95602
95949
95949
95949
95949
95949
95949
95949
95602
95949
95602
95949
95949
95949
95949
95949
95949
95602
95602
95949
95602
95949
SouthCoul20058SaltCreekC$670,000
SouthCoul18264Dog BarRd.$675,000
SouthCoul22605SwensonRE$675,000
SouthCoul13956Sierra View $735,000
SouthCoul19444BrewerRd $749,000
SouthCoul13839Via DeISoI $750,000
SouthCoul11474Cahoga Car$790,000
SouthCoul20466BigSpringE$795,000
SouthC0u$27789Table Mead4$825,000
SouthCoul13653GardenBar$839,000
SouthCoul25957Table Mead4$880,000
SouthCoul24881Table Meadd$899,000
SouthC0u121976EgbertHillF$940,000
SouthCoul24051RestiveWaJ$955,000
SouthCouI21817SaltCreekF$990,000
South C0u122460MeyerRavir
SouthCoul24031TimberRidg
SouthCoul19736BuckboardF
SouthCoul24763BarefootRo;
SouthCoul13525Lakeview Pl:
@
SouthCoul11467VinleePlace$525,000
SouthCoul21417BrewerRoaç$810,000
SouthCoul12121HILLTOP TE$530,000
SouthCoul10911WolfRd.
YubaCour13029Yuba Nevad $59,900
YubaCoun13039La SalleWa $93,000
YubaCour17347Hummingbir$102,000
YubaCour9106CedarCircle $110,000
YubaCour19119TH AVE $130,000
YubaCour10369OId Dobbins$158,000
YubaCour13406DixonHillR($170,000
Yuba Cour10084Frenchtown $180,000
YubaCour14842StageWay $200,000
YubaCour11962HooverRd. $226,000
YubaCour11909DOLAN HAF$232,500
YubaCour17067DELVALE%$238,000
YubaCour9930EvansWay $240,000
YubaCour18878ChallengeC $240,000
YubaCour13838ShirleyDrivE$246,000
YubaCour782 MAIN ST. $249,990
YubaCour8459O'BrienRoad $250,000
Yuba Cour6367Stonehedge $256,000
YubaCour10085Candlewood $259,900
YubaCour16688Frenchtown $259,900
YubaCoun9335/37RicesTexl$2:5,000
YubaCour9038SevenSpring$276,000
Yuba Coun9872LA PORTE R $299,000
YubaCour8081QUARTZ LAh$299,000
YubaCour11334HolidayDriv'$305,000
YubaCour5266 FruitlandRd $312,000
YubaCour7320 MichelleWay $315,000
Yuba Cour5923MarysvilleRo $337,000
2
2
3
2
2
3
3
3
3
3
3
3
20.9 $320.57 95949
4.88 $241.W
95949
10 $276.64
95949
10 $240.20
95949
25.37 $356.67
95945
0 $625.00
6.31 $252.23 95949
19.63 $304.83 95949
5 $319.40
95602
3.5 $182.39 95949
5:3 $229.65 95602
5.02 $174.94 95602
20 $275.34 95949
10.34 $311.07
95949
6.83 $201.71
9594:
10 $227.16
95949
5.01 $279.68
95602
21.96 $283.75
95949
48.5 $398.46
95949
5.26 $403.85
95602
4.69 $262.50
95949
10 $275.04
95949
6.29 $240.91 95949
34.7 $362.50
95949
0 $41.60
95935
3.07 $155.00
95962
1.97 $70.83 95919
1.08 $196.43
0.45 $108.33
95961
1.22 $123.92 95935
4.27 $180.85 95962
5.75 $125.00 95935
2.22 $206.61
95935
0.25 $206.39
95918
0.75 $151.07
95919
1.48 $132.22
95919
5 $148.42
95962
1 $208.70
95941
0.46 $351.43
95935
0.12 $203.24
95991
0.25 $255.89
95977
5 $182.86
95918
1.79 $208.25
95962
0.5 $161.33
95919
8.13 $277.49
95962
2.75 $178.06
95919
0.9 $130.62 95925
0.1 $244.28 95977-973!
0.46 $305.00
95930
1 $195.00
95901
6 $194.44
95918
5 $169.77 95918
@ Y
ubaCour9
84
74
39
2S
Ri
m
ce
a'
r
st
sT
ve
i
l
x
eas
Rd$34
30
9,00
50
YubaCour5726 EvergladeTr1$340,000
@
YubaCour14726FOUNTAIN $340,000
YubaCour17084DeerCreek $345,000
YubaCour1704SHORELINE $345,000
YubaCour6414 BigOakLane $345,000
YubaCour10441MaiduTrail $349,000
YubaCour8145QuartzLane $350,000
YubaCour12175NICOLEW/ $366,000
YubaCour9162WestwoodTr$375,000
YubaCour12612KROSENS E$379,000
YubaCour13831LakeFrancil$382,500
YubaCour9161StaceyAnne $420,000
YubaCour17182 DoubleEagl$425,000
YubaCour9707Sicard FlatR($430,000
VubaCour13693Moonshine6$495,000
YubaCour7627RedhillWay $499,000
YubaCour6877PENNY WAY $515,000
YubaCour9744Quail.RunAvl$517,000
YubaCour6900PottsTrail $520,000
YubaCour7145RedhillRd. $525,
000
YubaCour10584 SPRING VA $525,000
YubaCour9870TownshipRd.$540,000
YubaCour11458 HillRoad $540,000
YubaCour5370Marysville Rd $545,000
YubaCour6275SandstoneL:$550,000
YubaCour12754JosselynHill$550,000
YubaCour9801DeerHollow q$565,000
YubaCour6193La PorteRoa'$595,000
YubaCour6366BaldMountail$618,590
YubaCour8919ArrowrockTr1$640,000
YubaCour7420WhiteOakL:$649,900
YubaCourIot16A SternLane $655,000
YubaCour2672Highway20 $662,500
YubaCour7462RED HILLW/$765,000
YubaCour7939HAMMONTO $789,000
YubaCour7512RedhillWay $850,000
YubaCour9840EvansWay $223,900
YubaCour12214DolanHardil$257,000
YubaCour13747LichaLane $365,000
YubaCour7210PennyWay $535,000
95977
95962
95918
95935
95919
95901
95918
95935
95977
@
@
*
@
Nevada County 2004 HOME GrantFunds
(04-HOME-0747)
Expenditure Statistics
Name
Sal
i
nas
Davi
s
VO'
me
Date Pay
nt
Loan
sales
Price
% Max
Sales
Address
21881BurkeRd
HOME Mortgage
Assistance
04 HOME:77750
.
10/05 $1,
931 $292,500 70.
1% Smadsville95977
0$487
AD
:10,
jx
7D
50I
14516SunForest
10/05 $2,588 $340,
000 81.5% Rd,PV95946
04 HOME:15s571
04ADDI:10000
HOMEPI:7â,
4zg
1St
Otbef
Annual B/
BOf
Mortgage MMortgage lncome max Fam.Size
sistance
income
:(
)4,
.
y5(
)
Nt
l
$45,., gg.
go
s
a
$:4(),4sc
$:
$54,780 gg.
ro
5
$230,300
$0
$45,540 99.4%
3
$274,:00
$c
$52,068 82.5og0
7
$::,5,()%
$0
$5c,784 gg.aoé
4
yjtsjnjs
Toussaeu 10/05 $2,332 $329,000
78.9%
senn
2/06 $2,763 $374,000
89.7%
Fulton
3/06 $1,672 $335,
000 80.3%
''.
k1kt Mxucjjzg':(j4)6
s
Qy
'
.
.e
16340Banner
04HOME:80,000
QuakerHillRd.NC 04ADDI:18,700
95959
$98700
11351Squirrel
0
4 HOME:
25,246
HOME
ej:7
4,754
creekRd.GV
$jx ,x ()
04 HOME:$79,900
17126PatriciaWay, ADDI:$20,100
ov
($j(
m,x c)
)-*
TheUnion -News
.
*
E
@URI
1.
X.i
! J)m
Se4%lgW- t#*N- G 'CmlmtyxCA
W hat a hom e can cost
Median-pri
ced areahouse meanspayi
ng $2,725amonth
By Trina Kleist
staffwriter,trlnp-k@th.
euntçmaçtzrn
Februarv 2,2006
Whatdoesittaketobuythemedian-pricedhomein
NevadaCounty?
The Union
photo/David B.
Torch
Themedianpriceofasingle-familyhousein2005roseto
$460:000,upnearly 19.5percentfrom theyearbefore.
Forslngle-fnmilyhousesalesinthemonthofDecember,
themedianhit$475,000,accordingtoinformation
gatheredbythenationalresearchcompanyDataouickInformationSystems,basedinSanDiego.
Assumingabuyerforthecolmty'smedian-pricedhousehasgoodcreditandazo-percentdownpam entof
$92,000,thebuyerwouldneedaloanof$368,000.
@
Here'show themonthlypam entswouldworkout,accordingtomortgageloanofficerJaniceBreeofCitizen's
BankindowntownGrassValley:
. Mont
hlypaymentofprincipleandinterest,assuminga30-yearconventionalloantixedat6.125percent'
.
$2,236.
.Homeownersinstlrance:$96.
.Propertytaxesformostpeopleareabout1.028percentofthesalesprice,accordingtoaccountantGary
wallaceoftheNevadaCountyAuditor/controller'sOffice.Thatcomesto$4,714peryear,or$393permonth.
*Totalmonthlypayments:$2,725.
Buying the median-priced Inaddition:abuyerneedstopaythecostsoftheloan,Breesaid.Thosecosts
canvarywldely,dependingonthetypeofloanandthearrangementsofthe
om e
lendingcompany.Somecostscanbeaddedontotheloanamountinsteadof
Tobuya medlan-pricedhouseof
eingpaidup front,Breesaid.Someloans1etthebuyerpayahigherinterest
$460,000,andassumingabuyerhas b
rateinsteadofup-frontcosts.
goodcredlt,a zo-percentdown
paymentandaconventlonal,3o-year,
6.125-percentfixed-rateIoan,the
.Assumingthemostconventionalarrangement-a11costspaidupfront,no
buyerwouldneed:
Upfront:
paymenttoreduceinterest-thebuyerofthemedian-pricedhousewouldpay
*
.$92,000downpayment
*$9,076closingcosts
*Up-fronttotal:'$99,076
Monthlypayments:
*$2,236mortgage
.$96homeownersinsurance
@$393propertytaxes(morefor
speciallocalassessments)
*
Monthlytotal:$2,725
TrinaKleist
about$9,075inclosingcosts,Breeestimated.
Loantermsalsovarywidely,dependingon theamountofdownpam ent,
whetherincomeisverified,whethermoremoney ispaidupfronttoreduce
theinterestrateand otherfactors.
Dependingona1lthosefactors,theactualmonthlypaymentforaparticular
loancan varywidely,eveniftheamountoftheloanisthesame.
h% ;//- .
theunion.co* apps/pbcs.d11/a=ic1e?A1D=/20060202mEWS/102020157&Serc...3/23/2006
'!-TheUrlion- News
Tocontactstaywrit
erTrinaKlei
st
,e-mailtrinak@theunion.comorcall477-4231.
AtSO IN1B15SEVIES
February7,2006-Median houseprice bevond incomeofmanv localworkers
BACK +
@
*
VV
hup://-
.the> ion.co* apps/pbcs.d1Fahic1e?AlD=/20060202Y EW S/102020157&Searc... 3/23/2006
'TheUnion -W eb Update
X
-
y
eunl
o, Am
S*rviagWest*#tlNev&e Cûlmty.CA
Localw inter house sales m ove up slightly
By Trina Kleist
staffwriter,trtrle-k@-tbqkm tqnefmm
March 24,2006
NevadaCountyhousesalesbuckedthestate'sdownwardtrendforFebruary,withaslightincreasein salesover
January,accordingtoareportreleasedthisweek.
A totalof81houseandcondominium saleswererecordedatthecountyRecorder'sofficeinFebruary,compared
to73inJanuary,accordingtotherealestatetrackingfirmDataouickInformationSystems,basedinSanDiego.
statewide,however,thenumberofnew andresaletransactionsdeclinedforthe:f4.
11skaightmonthFebruary.
Ina1lofCalifornia,37,900new andresalehousesandcondominiumsweresoldlastmonths,a9.3percent
declinefrom41,800inFebrtzary2005.That's1percentlowerth% Jarmarysales,Dataouickreported.
Salestypicallyareslowerinthewintermonths,andit'sdifficulttopredictanytendsfrom wintersales
information.
Nevertheless,thestatewidefiguresappeartoreflectvowingpressureonstubbornsellerstodialbackpricesto
lureincreasinglytentativebuyers,n eAssociatedPressreported.
@
t
t
whatI'm seeingisbothbuyersandsellersdiggingtheirheels,buy:rssaying,tl'
m notreadytobuy'andsellers
goingEl'm notgoingtolowertheprice,''saidDavidKem aBayArearealestateagentwit,hEmeryvllle-based
ZipRealtyInc.
TheAssoci
atedPresscont
ributedt
othisJfory'
.Tocontactst
aywriterTrinaKl
eist
,e-mai
ltrinak@theunion.com
orcall477-4231.
M VK +
*
h% ://- .
theunion.
co* apps/pbcs.d1Fadic1e?A1D=/20060324> EBUPDATE/60324001... 3/24/2006