Neighborhood Roofing Replacement Program

Neighborhood Roofing
Replacement Program
Sponsored by the Lucas County Land Bank & the Toledo Fair Housing Center
Does your old roof need
to be replaced?
Applications Due:
MAY 9, 2014
The Neighborhood Roof
Replacement Program could help. RETURN COMPLETED
The Lucas County Land Bank and APPLICATION TO:
PROGRAM AREA I: Census Tracts 16,17&22
the Toledo Fair Housing Center
United North
have partnered in order to make
ONE Village Financial Opportunity Center
$10,000 roof replacement grants 2860 Lagrange Street
available to eligible homeowners Toledo, Ohio 43608
419-724-5640
in target neighborhoods. If
interested, please complete the
Program Area II: Census Tracts 33,35 & 36
attracted application.
Application Packet:
 Program Eligibility Guidelines
 Program Area Maps
 Area Median Income (AMI) Chart
 Frequently Asked Questions
 Roof Replacement Application
 Income and Residency Affidavit
 Application Consent &
Authorization
 Application Checklist
 Application Instruction Sheet
Lutheran Social Services of NWO
Crossroads Family Resource Center
4543 Douglas Road
Toledo, Ohio 43613
419-475-3258
Program Area III: CensusTracts40,42&103
Northwest Ohio Development Agency
432 N. Superior Street
Toledo, Ohio 43604
419-243-3734 , Ext. 42
Neighborhood Roofing Replacement Program
Program Eligibility Guidelines
A. The applicant must live in one of three program areas in the City of Toledo (see attached maps). If you need
additional help to locate the census tract that your home is in you can use the Lucas County Auditor’s Real Estate
Information System (AREIS) to find this information.
 Program Area I: Census Tracts 16 & 17 & 22
 Program Area II: Census Tracts 33, 35 & 36
 Program Area III: Census Tract 40, 42 & 103
B. The applicant must be the owner of record and have occupied the dwelling for at least two (2) years prior to
application.
 Applicants who have resided in their homes for less than two (2) years may attach a short narrative
describing the length of time they have lived in their house and their demonstrated commitment to the
neighborhood. This narrative will be reviewed by the program administrators to determine program
eligibility.
C. Single family structures (1 unit) will be prioritized.
 Applicants who own and occupy a multi-family structure (2-4 units) may attach a short narrative
explaining how each unit of the property is used currently. This narrative will be reviewed by the program
administrators to determine program eligibility.
D. Owner must be willing to sign an agreement that would require the applicant to continue to reside in the structure
for a minimum of five (5) additional years.
E. Property taxes and any existing mortgage loan(s) must be certified as current. Applicants who have outstanding
delinquent property taxes, but can document completion of at least 50% of a Delinquent Tax Installment Payment
Plan will be deemed current under this program. There can be no unresolved, active foreclosures, liens or
judgments on the property.
F. Applicants must provide documentation that homeowner’s insurance is in place and paid in full on the property.
G. Applicants must provide a utility bill (electric or gas) showing active service within 30 days prior to the date of
application.
H. Applicants must have total household income at or below 120% of Area Median Income (This includes all
household residents over the age of 18).
 Applicants who have total household income above the Area Median Income may include a short
narrative explaining any personal circumstances that the program can consider to determine program
eligibility.
I.
Applicants must agree to participate in financial literacy educational opportunities through a neighborhood-based
Financial Opportunity Center or the Northwest Ohio Development Agency.
J.
An applicant’s property must pass a Private Home Inspection to be completed by a Land Bank contractor at no
cost to applicant. If the applicant does not pass the Private Home Inspection they will still receive a copy of the
Private Home Inspection report, a home maintenance resource book, and a resource guide to other programs.
K. Applications will be date stamped and evaluated on a first come first serve basis for each target area. The first 30
applicants in each target area that qualify, complete the required Financial Literacy/ Homeowner Education
Classes, and pass the Private Home Inspection will be selected to receive a roof, contingent on available funds.
2014 AREA MEDIAN INCOME CHART
Household Income Limits (120% AMI)
1 Person
$ 48,000
2 Person
$ 54,840
3 Person
$ 61,680
4 Person
$ 68,520
5 Person
$ 74,040
6 Person
$ 79,440
7 Person
$ 84,960
8 Person
$ 90,480
9 Person
$ 95,880
10 Person
$ 101,400
11 person
$ 106,920
12 Person
$ 112,320
Household income includes total income for all household members over the age of 18.
NEIGHBORHOOD RENOVATION PROGRAM
Neighborhood Roof Replacement Program
Frequently Asked Questions
Available Funds: Applicants may be eligible for grants up to $10,000 for a complete roof replacement on a
residential property in one of the three identified areas (see maps). Eligibility depends on total household
income and other qualifying criteria.
How does a person qualify?
 You must have owned and occupied the house for a minimum of two (2) year prior to applying for this
program.

Single family structures (1 unit) will be prioritized for funding. Multi-family structures (2-4 units) also
eligible upon review.

Owner must be willing to sign an agreement that would require the owner/ applicant to continue to
reside in the structure for a minimum of five (5) additional years after the roof replacement is complete.

Your mortgage, property taxes, and homeowners insurance must be current at the time of the
application.

There can be no unresolved, active foreclosures, liens or judgments on the property.

Your total household income must be 120% or less of Area Median Income (AMI) (see attached charts).
Income of all adult occupants is counted.

Applicants must agree to participate in financial literacy educational opportunities through a
neighborhood-based Financial Opportunity Center or the Northwest Ohio Development Agency.

An applicant’s property must pass a Private Home Inspection undertaken by the Land Bank.
How do I know if my house qualifies for this program?
 Your house must be in one of the three identified program areas (see maps). If you need additional help
to locate the census tract that your home is in you can use the Lucas County Auditor’s Real Estate
Information System (AREIS) to find this information.
 Program Areas:
o I: Census Tracts 16, 17 & 22
o II: Census Tracts 33, 35, & 36
o III: Census Tract 40, 42 & 103
Where do I return my application?
 See attached Renovation Program Application Instruction Sheet for returning completed applications, to
get additional help with completing your application, and to answer any additional questions.
When are applications due?
 Applications must be received at your designated neighborhood location no later than close of business
on May 9, 2014. Every application will be time stamped upon delivery. Incomplete applications will be
denied.
Frequently Asked Questions – Page 2
How will I know if I am a qualified applicant?
 Once you have returned the completed application to your designated neighborhood location, your
application will be reviewed to confirm that you qualify for the program.
What is a Private Home Inspection?
 A property inspector contracted by the Land Bank will contact you to schedule a time when an
inspection of the property can be completed. The inspector must be granted full access to the exterior
and interior of your main residential structure. The inspector will then prepare a report detailing the
condition of your property and identify any items that may need to be repaired to ensure that the house is
safe and habitable.
What if my property has other items that need to be repaired in addition to the roof?
 Depending on the situation, the Land Bank will notify the applicant that due to the current condition of
the house it is not eligible for the roofing program. Also, the Land Bank will provide you with a copy of
the completed Private Home Inspection report detailing the current condition of the home and a list of
possible community resources that could provide assistance for the additional repairs.
How will I know if I am approved and will receive a new roof?
 You will receive an award letter from the Lucas County Land Bank. You will be contacted within 90
days of the receipt of your application. Roof grants will be awarded on a first come, first serve basis,
contingent on available funds.
What kind of work will be done?
 A complete roof replacement will be completed with 30-year shingles. Existing slate and tile shingle
roofs are eligible if the scope of work does not exceed the $10,000 limit. Garage roof replacements may
be eligible if the scope of work does not exceed the $10,000 limit. Within program funding limits,
additional roof-related repairs may include: chimneys, coverings, sheathing, rafters, flashings, vents,
structural members, soffits, fascia, gutters, and downspouts. Proper ventilation of the structure to
prevent condensation of moisture shall be considered a necessary condition of repair.
Who does the work? Can I choose my contractor?
 The Land Bank will choose and hire a local contractor to have the work completed.
What is the time-line for the roof replacement to be completed?
 Approved applicants will receive an award letter with an estimated roof replacement timeline of between
May through October of the award year.
Who do I call if I have additional questions?
 Any additional questions should be directed to the program site assigned to your program area.
 See attached instruction sheet with site locations assigned to program area for addresses and phone
numbers of who to contact.
NEIGHBORHOOD RENOVATION PROGRAM
Neighborhood Roof Replacement Application
Owner Name(s):
Address:
Day Phone:
Email:
Preferred method of contact (Email, Cell, etc.):
Is the property a single family residence?
Is the property occupied by the owner?
City/State/ Zip:
Evening Phone:
Cell Phone:
Yes
Yes
No
No*
Please describe the current condition of the property’s roof:
__________________________________________________________________________________________________
__________________________________________________________________________________________________
__________________________________________________________________________________________________
Required Documents:
(Applications without complete documentation will not be processed)
___ Copy of recorded warranty deed (can be obtained through Lucas County Recorder’s office).
___ Copy of declarations pages of your homeowners insurance policy with proof of payment.
___ Documentation showing property taxes are current (can be obtained through Lucas County AREIS system).
___ If there is an outstanding mortgage, documentation of current mortgage statement.
___ Copy of gas or electric utility bill at property address within last 30 days.
Program Requirements:
 Single family owner-occupied structures (1 unit) in one of the three identified program areas will be prioritized for
this program (see attached guidelines and maps). * Properties that are not owner occupied are not eligible for this
program.
 You must have owned the house for at least two (2) years prior to the application. Applicants who have resided in
their homes for less than two (2) years and wish to be considered may include a short narrative describing the length
of time they have lived in the house and their demonstrated commitment to the neighborhood.
 Applicants must have total household income at or below 120% of Area Median Income (see attached chart).
Applicants who have total household income above the Area Median Income may include a short narrative explaining
any personal circumstances that should be considered to determine program eligibility.
Do you agree to participate in financial literacy and homeownership education classes?
Do you agree to a home inspection, including roof, conducted on your property?
(Initial)
All of the information provided with this application is true and correct as of the date below. I acknowledge that
this application does not guarantee that my property will receive a roof replacement under the program.
Signature:
Date:
INCOME QUALIFICATION SCHEDULE
Address:
# in Household:
Please use the fields below to report the names, ages, and income (if any) of all individuals over age 18 who live in the household
If no members of the household have any income to report, please complete and sign the attached No Income Statement.
Name
Age
Gross Monthly
Gross Yearly
Totals
I/We authorize the Lucas County Land Bank and/or its agent(s) to verify the information and income as stated to be correct.
I/We also state that only the persons listed above are living at the residence and that all household members over age 18 living
at this address have reported income from all sources. Falsification of income or documents will result in immediate denial for
assistance.
ALL HOUSEHOLD MEMBERS REPORTING INCOME MUST SIGN BELOW
Signature
Date
NEIGHBORHOOD RENOVATION PROGRAM
ZERO INCOME STATEMENT
(Only complete if no income was reported on the Income Qualification Schedule)
Date:
I,
, do hereby declare that I am unemployed at
the present time and have no income. I am not drawing unemployment compensation and
am not receiving monies from any source.
I understand that it is my duty to report any changes in circumstances to the Lucas County
Land Bank and/or its agents while my application is being reviewed.
Applicant Signature
NEIGHBORHOOD RENOVATION PROGRAM
NOTICE REGARDING YOUR RIGHTS
You are being asked by the Lucas County Land Reutilization Corporation
(LCLRC) to sign certain documents. These documents may have a legal impact upon
you. It is important that if you have any questions regarding their legal impact that you
seek your own legal representation. Neither LCLRC nor its agents can explain to you the
legal impact of these documents. You must seek your own legal counsel or determine for
yourself the nature of the impact. Please note that LCLRC will enforce its rights under
the terms of these documents.
The LCLRC will not honor oral understandings or agreements. All agreements
must be in writing.
I/We acknowledge that we have read the above statement and understand it. I/We
further acknowledge receiving a copy of this document.
Signature of Applicant(s):
________________________________ ______________
Date
________________________________ ______________
Date
NEIGHBORHOOD RENOVATION PROGRAM
INCOME AND RESIDENCY
AFFIDAVIT
STATE OF OHIO
LUCAS COUNTY
)
) SS:
)
I,
, being first duly sworn say that my
household is not receiving any other income other than that income stated on the Income
Qualification Schedule.
I further say that, in the event that a new roof is installed on my property under the
Neighborhood Renovation Program, I agree to reside in the property as my principal
residence for at least five (5) years from the date of completion of the work.
This Affidavit will also act as authorization to the Lucas County Land Reutilization
Corporation (LCLRC) to verify any possible income my family or I receive. This
Affidavit is made for the LCLRC and/or its agent(s) with full knowledge that LCLRC
relies on the validity of this statement to determine eligibility for any project under the
Neighborhood Renovation Program.
Further affiant sayeth naught.
Signature
Sworn to before me and subscribed in my presence this
Notary Public
day of
.
NEIGHBORHOOD RENOVATION PROGRAM
APPLICANT CONSENT AND AUTHORIZATION
FOR VERIFICATION PURPOSES
ALL INDIVIDUALS OVER THE AGE OF 18 RESIDING IN HOUSEHOLD MUST
COMPLETE THIS FORM
You must fill in your Social Security number, sign, and date this form. Application cannot be
considered unless accompanied by this form.
I understand my rights under the Right to Financial Privacy Act and hereby authorize any and all
governmental and private sources to disclose information contained in my financial records to the
Lucas County Land Reutilization Corporation and/or its agent(s) for the following purpose:
Rehabilitation of Property
I also hereby authorize the Lucas County Land Reutilization Corporation and/or its agent(s) to
obtain information regarding my case with the Lucas County Child Support Agency if needed.
I understand that this Authorization may be revoked by me in writing at any time before my
records are disclosed.
_______________________________ ___________________
Signature
Social Security Number
_____________
Date
_______________________________ ___________________
Signature
Social Security Number
_____________
Date
_______________________________ ___________________
Signature
Social Security Number
_____________
Date
_______________________________ ___________________
Signature
Social Security Number
_____________
Date
Note: All individuals over the age of 18 contributing income to the household must sign above.
This Applicant Consent and Authorization will be submitted to any and all governmental and
private sources which may include Lucas County Job and Family Services, Lucas County Child
Support Agency, Social Security Administration, and any other governmental or private entity as
required by the guidelines of this program.
NEIGHBORHOOD RENOVATION PROGRAM
APPLICATION CHECKLIST

Completed and signed the Roof Replacement Application.

Completed and signed the Income Qualification Schedule.

Completed and signed the Zero Income Statement (if applicable).

Completed and signed the Notice Regarding Your Rights.

Completed and signed the Income and Residency Affidavit.

Completed and signed the Applicant Consent and Authorization form.

Please bring a Photo ID (for each household member over 18).

Please bring a copy of the recorded deed to your home.

Please bring proof that you are current on the property taxes and mortgage for your home.

Please bring proof of active homeowner’s insurance for your home.




Please bring a utility bill (electric or gas only) showing active service within 30 days prior to the date
of this application.
Please bring proof of current income for all household members (for each household
member over 18) including: Pay stubs, Child Support (actually received), Bank
Statements, Social Security, Unemployment Compensation, TANF Award
Statement, or copies of 2012 or 2013 completed tax returns (if self-employed only).
You have reviewed all Application instructions and have called your designated site location to
schedule a time to complete the required Financial Literacy Homeowner Education Classes.
You have completed this checklist and are ready to turn in your Application to the agency designated
for your program area in the instructions (see last page of this Application packet).
IF YOU HAVE ANY ADDITIONAL QUESTIONS PLEASE REFER TO THE CONTACT INFORMATION
FOR YOUR PROGRAM AREA ON THE LAST PAGE OF THIS PACKET.
WHERE DO I TURN IN MY APPLICATION PACKET?
WHO WILL HELP ANSWER MY QUESTIONS?
HOW DO I SCHEDULE MY REQUIRED EDUCATIONAL CLASSES?
PROGRAM AREA I: CENSUS TRACTS 16, 17 & 22
United North
ONE Village Financial Opportunity Center
2860 Lagrange Street
Toledo, Ohio 43608
419-724-5640
Contact: Shaulonda Jones
PROGRAM AREA II: CENSUS TRACTS 33, 35, & 36
Lutheran Social Services of Northwest Ohio
Crossroads Family Resource Center
4543 Douglas Road
Toledo, Ohio 43613
(419) 475-3258
PROGRAM AREA III: CENSUS TRACTS 40, 42, & 103
Northwest Ohio Development Agency (NODA)
432 N. Superior Street
Toledo, Ohio 43604
(419) 243-3734, Extension 42
Contact: Eunice Glover