Loading...
HomeMy Public PortalAboutHabitat For Humanity: Paul Hush Way Phase 2Form 11/13/2017 Community Preservation Committee Application 3 APPLICATION FOR COMMUNITY PRESERVATION ACT FUNDING Date Application Submitted: Name of Project Applicant: Name of Co-Applicant(s), if applicable: Name of Contact Person: Contact Person’s Mailing Address: Contact Person’s Daytime Phone Number: Contact Person’s email Address: Proposed Project Name: Project Address (or assessor’s parcel ID): Project Synopsis: Category: ☐ Open Space ☐ Historic Preservation ☐ Recreation ☐ Community Housing CPA funding requested $ ______________ Total Cost of Proposed Project $ Habitat for Humanity of Cape Cod, Inc. 60 Paul Hush Way, Phase I, Brewster BREWSTER COMMUNITY PRESERVATION COMMITEE Paul Hush Way, Phase II/Tubman Road Community Housing Grant Deadline: July 1, 2018 Submitted: June 28, 2018 Habitat for Humanity of Cape Cod 411 Main Street Ste 6 • Yarmouthport, Massachusetts 02675 www.habitatcapecod.org • 508-362-3559 p • 508-362-3569 f Paul Ruchinskas, Chair Brewster Community Preservation Committee 2198 Main Street Brewster, MA 02631-1898 June 28, 2018 RE: Paul Hush Way, Phase II Community Housing (formerly Tubman Rd) (8 homes) Dear Community Preservation Committee: Thank you for the opportunity to submit a grant application to fund Paul Hush Way Phase II community housing in Brewster. Habitat for Humanity of Cape Cod, Inc. (a 501(c)3 organization) was founded in 1988 and has significant experience permitting, building and selling affordable housing. We have built and sold 127 affordable Cape Cod homes to date, and look forward to building more. Habitat works in partnership with families in need to build homes, hope, lives and community. Submission Date: June 28, 2018 Project Title: Paul Hush Way, Phase II Community Housing Project Map/Parcel: 65-74-0 Estimate Start Date: Infrastructure = Fall 2018; , Wall-Raising (Volunteer Construction) Fall 2019 Estimated Completion Date: Family Move-In Fall/Winter 2020 (8 homes) Purpose: Community Housing Applicant Entity: Non Profit Applicant Name: Habitat for Humanity of Cape Cod, Inc. Applicant Address: 411 Route 6A, Yarmouthport, MA 02675 Federal Tax ID: 22-2900430 Primary Contact: Christine Duren, CPC Liaison; 508-667-0821 E-mail: cduren@habitatcapecod.org Website: www.habitatcapecod.org Funding Requested: $200,000 for construction ($25,000 per home) Included in the following pages please find a Project Description, Timeline, Developer Experience, Project Pro Formas, Site and Building Information, as well as other documents requested by the Brewster Community Preservation Committee. We would be pleased to meet with you and other project stakeholders at your convenience, and we welcome the opportunity to answer any questions that may arise as you review our proposal. Sincerely, Christine Duren Christine Duren, CPC Liaison cduren@habitatcapecod.org; 508-667-0821 (cell) Contents of Proposal Contents 1. Project Description .............................................................................................................. 1 Phase I Update: ....................................................................................................................... 1 Phase II Description ................................................................................................................ 1 2. Historic Preservation Projects:............................................................................................. 4 3. CPA Goals/Criteria................................................................................................................ 4 Community Housing Proposals ............................................................................................... 5 4. Community Benefits ............................................................................................................ 6 5. Community Support ............................................................................................................. 6 6. Timeline - Phase Two (8 homes) ........................................................................................ 6 7. Credentials ........................................................................................................................... 7 8. Budget/Need for Public Funds - Hard Costs: Phase II ......................................................... 8 Soft Costs: Phase II .................................................................................................................. 9 Phase II Sources of Funds...................................................................................................... 10 Summary of Phase I Sources & Uses: ................................................................................... 10 Approved Affordable Pricing Model ..................................................................................... 11 9. Maintenance ...................................................................................................................... 12 10. Site Control ..................................................................................................................... 12 Attachments A. Site Plans and Architectural Plans B. Private Fundraising Status C. Developer Experience and Current & Recent Projects D. Marketing Plan E. Comprehensive Permit F. Deeds G. Board of Selectmen Letter H. Photos Phase I I. Financial Statement as of June 30, 2017 Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 1 1. Project Description Habitat for Humanity of Cape Cod, Inc. proposes to use our tried-and-true “sweat-equity” model to build eight affordable homes in Phase II on the 13.92 acre parcel located off Tubman Road (a portion of the 620 Tubman Road property, the location of the old Bassett Wild Animal Farm) now known as Paul Hush Way. Phase I Update: The first phase (six homes) of this community housing project was supported by Town of Brewster CPC grants totaling $847,000 for land acquisition, and further supported with a $350,000 CPC grant for construction. The 4-bedroom home at 60 Paul Hush Way, sponsored in a one-week Blitz by the Home Builders and Remodelers Association of Cape Cod, sold on October 11, 2017. The remaining five purchaser households have all been approved for their USDA mortgage. The following pre-purchased education workshops have been completed: Budgeting for Successful Home Ownership (group and individual sessions); Transition to Home Ownership (preparing for closing day; Understanding the Documents Related to Closing; Home Maintenance. We are targeting completions and sales of the five remaining homes in August 2018, in advance of established deadline for completion of Phase I. The Phase I dedication event is scheduled for August 7, 2018. Phase II Description The subject eight Phase II homes, as is true with all Habitat homes, will be affordable in perpetuity. Affordability will be protected by a Department of Housing and Community Development (DHCD) Local Initiative Program (LIP) Deed Rider and the homes will count on Brewster’s DHCD Subsidized Housing Inventory (SHI). The homes will be affordable to very- low income households; households earning between 40% and 65% of Area Median Income. Home sale prices will range from approximately $133,750 to $150,000. We are pleased that the Home Builders and Remodelers Association of Cape Cod’s 2019 Blitz Build will once again take place in the subject Paul Hush Way neighborhood in Phase II. As always, Habitat will use our traditional “sweat equity” model to build the affordable homes. With this model our selected purchaser families partner with Habitat and devote 250 to 500 hours building their homes alongside community volunteers. This promotes homeowners who are well educated on building and maintenance, and fosters pride in homeownership and a true sense of community. Habitat works closely with our buyers, through our rigorous application process, and through the construction period. We provide significant homebuyer education including preparation for closing, budget counseling, and workshops in caring for a home and landscaping. Sweat equity and pre-purchase Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 2 workshops have proven to be key elements in promoting successful homeownership. Habitat Cape Cod provides the training and establishes a Home Owners Association (HOA) for appropriate neighborhoods. All homeowners will receive training about their HOA, which will be fully established upon the sale of the last home, and will serve to ensure care of the common areas and uphold other standards adopted in its covenants. Habitat also partners with our communities, seeking donations of materials, professional services, and labor. We strive to make our homes welcome in a neighborhood and to be good neighbors. Habitat works to create a collaborative spirit where a whole community can be actively involved in helping to address the affordable housing crisis. Habitat works with our Brewster buyers and assists them in securing the very advantageous USDA Rural Development “502” mortgage (with subsidies that can result in an interest rate as low as 1%). If a qualified and selected buyer cannot access a USDA mortgage, Habitat would offer them a zero percent mortgage directly from Habitat. This means that, along with very affordable prices, our buyers are able to meet the affordable mortgage payment obligations. The monthly PITI payment (principal, interest, taxes and insurance) for a 3-bedroom home would be approximately $715. Another added plus to the Habitat model is that as we can offer our own buyer-financing, we can guarantee that at time of lottery selection our families will be able to obtain a mortgage. See pages 10 & 11 for pricing details. A new and exciting development that was implemented in Phase I was the installation of solar panels for energy generation. Solar panels for Phase II homes are pending a Department of Public Utilities decision on the next solar incentive program (“SMART”). Whether we can include solar panels for the Brewster Phase II homes will depend on funding availability at time of construction, but we are quite hopeful. Habitat has recently installed solar panels on three other project sites. Renewable energy systems, coupled with the highly efficient air-source heat-pumps we use for home heat, create very efficient homes that are not only inexpensive to heat, but also provide great indoor air quality. We hope to create a sustainable funding stream for solar installations for future builds. We are very much focused on creating greener and healthier homes on all sites where this approach is feasible, and have positioned all of the Brewster homes so they have southern roof planes and are solar-ready. Included with this application please find site plans and architectural plans (see Exhibit A). All of the major infrastructure work for both phases, save the top coating of the road, was included and completed in Phase I funding. There is still some lot engineering and sitework to be performed for Phase II lots including foundations and septic systems. Phase II house Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 3 lots range from 13,200 to 16,800 square feet, and there is a significant open space surrounding the house lots. There will be fourteen homes in total for both phases, one 4-bedroom home, nine 3- bedroom homes and four 2-bedroom homes. Phase I consisted of six homes (one 4- bedroom and five 3-bedroom homes). Phase II (subject request) consists of eight homes: 2 - two-bedroom Ranch style homes (1,008 sf) 2 - three-bedroom Cape style homes (1,276 sf) 4 - three-bedroom Ranch style homes (1,276 sf) 8 (9,592 sf) This mix is based on Habitat experience with previous lotteries and housing-size need. Habitat proposed and Brewster CPC approved construction in two phases. Phase One has six homes closer to Tubman Road and Phase Two will be the eight homes around the circle. This created a reasonable and historically proven schedule for our volunteers and our fundraising. We built the full road, including utilities and drainage, as part of first phase. This overall fourteen home Paul Hush Way community housing project has substantial and positive history with the Town of Brewster. Through the Community Preservation grant process, the Board of Selectmen and Town Meeting voters were engaged and in support of the project. The overall project (both phases) has been before Town Meeting voters twice. In September of 2014 Habitat for Humanity took title to the property. Habitat then worked on housing program parameters, site planning, architectural and permitting. The Brewster Zoning Board of appeals voted unanimously in favor of granting the project’s Comprehensive Permit in February of 2016 (see also Exhibit H). Of note, the public hearing process through the ZBA generated no public opposition. With quality, desirable single-family homes priced affordably, Habitat for Humanity creates homeownership opportunities for families at income levels not served by other affordability programs. We are an experienced developer, having created – over 127 affordable Cape Cod homes since our founding as an affiliate of Habitat for Humanity International in 1988. Habitat for Humanity of Cape Cod works in partnership with families in need to build homes, hope, lives and community. As of September 14, 2017, Brewster had 5.3% of its year-round housing stock listed as affordable. The State goal per town is 10%. The Brewster 2017 median home price was $390,000, per the Cape Cod & Islands Association of Realtors. Per the U.S. Department of Housing and Development (HUD), people who pay more than 30 percent of their income for housing (mortgage, interest, taxes, insurance) are considered cost burdened and may Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 4 have difficulty affording necessities such as food, clothing, transportation and medical care. When there are affordable homeownership opportunities on the Cape, most often they are targeted to households earning 80% of HUD Area Median Income (AMI) or $68,950. Even at 100% of the median household income of $67,340 for Brewster per the Cape Cod Commission’s CapeStats, and applying the 30% benchmark, a household would need to earn approximately $103,543 a year to qualify for a mortgage at today’s interest rates. That results in an income gap of $36,000. Even a family earning 100% of the HUD 2018 AMI for Barnstable County of $86,200, would not qualify. Because of the very difficult year-round housing & rental market for the average family, due to the tourist economy, seasonal demands and low wages, Habitat Cape Cod targets affordability to households earning 60% and 65% of AMI. At 60% of AMI, a family of four earns $51,720 which is only 50% of needed household income- - the affordability gap is huge. Our most recent lotteries clearly illustrate, at a personal level, the need for housing that is affordable is significant. We received 59 applications for four homes in Marstons Mills, and 80 applications for six homes in Brewster Phase I. There is an undeniable need. From a pragmatic standpoint, there is no danger of Habitat homes that are not needed and that stay unsold. Habitat selects our buyers before starting to build, we build in partnership with our buyer households, and they work with us on their own home, and invest their sweat equity. 2. Historic Preservation Projects: N/A 3. CPA Goals/Criteria CPA Goals/Criteria: Habitat’s Paul Hush Way-Tubman Development meets the goals and criteria of Community Preservation as it creates permanently deed restricted affordable housing.  Contribute to the preservation of Brewster’s unique character. Habitat will create housing for low income households, which helps to preserve the vibrancy and diversity of the community. Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 5  Boost the vitality of the Town. Habitat will create housing for low income households which helps keep families living in Brewster, and adds to the town’s local workforce.  Enhance the quality of life for Brewster residents. Habitat will create the opportunity for low income households to have the stability and security of affordable homeownership.  Serve a currently under-served town population. Habitat will create deed restricted affordable housing. Brewster currently has 5.3% of its housing stock listed on the Department of Housing and Community Development (DHCD) Subsidized Housing Inventory (SHI) as of September 14, 2017. The State goal is 10%. Low income families are an under-served population. Home ownership opportunities for the very- low income are virtually non-existent.  Demonstrate practicality and feasibility. Habitat is a well-respected and experienced developer. We have a long track record of success, and are permitted and ready to go with our Tubman Development.  Demonstrate a positive cost/benefit relationship. Habitat relies heavily on volunteer labor, using both our homebuyers “sweat equity” contributions and our community volunteers. We also rely on donations of materials and Habitat friendly pricing. This helps us keep our construction costs low.  Leverage additional public and/or private funds. Habitat has demonstrated significant success in private fundraising for both Phases. Community support for this project has exceeded expectations. Habitat received support from the Federal Home Loan Bank Boston (FHLBB) Affordable Housing Program (AHP) for Phase I and is expected to receive the same level of support for Phase II.s. See Attachments for current funding as of date….  Receive Endorsement by other Town committees and the Brewster public at large. The Paul Hush Way (Tubman Development) has been before Town Meeting voters twice via CPC funding articles, has been to the Board of Selectmen numerous times, has been before the Brewster Housing Partnership, and went through a public hearing process as part of our Zoning Board of Appeals Comprehensive Permit application. 3a: Community Housing Proposals √ Contribute to the goal of achieving 10 percent affordable housing. √ Promote a socioeconomic environment that encourages diversity. √ Provide housing that is harmonious in design and scale with the surrounding neighborhood. √ Ensure long-term affordability.  Promote use of existing buildings or construction on previously-developed or Town-owned sites; √ Convert market rate to public subsidized units.  Provide an appropriate mix of rental and ownership housing. √ Give priority to local residents, town employees, employees of local businesses as allowed by law. Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 6 4. Community Benefits The Community Benefits of this project are as described throughout this application. This project will create a neighborhood of fourteen new, high quality, deed restricted homes. This request is for Phase II construction of eight homes to complete this new neighborhood. 5. Community Support Community Support is listed in the last bullet point under CPA Goals/Criteria (above) and is also evidenced by the support letter Habitat received from the Board of Selectmen as part of Habitat’s Local Initiative Program application to the state. 6. Timeline - Phase Two (8 homes) Because of the exceptionally strong community support for this initiative, we have moved up the original schedule for Phase II. We will open home-buyer applications in January- February of 2019; commence volunteer construction in the late summer/fall of 2019, and anticipate project completion a year ahead of original schedule in the early fall of 2020. See Attachment B for current private funding status for both Phase I and Phase II. Fall 2014 ............................... Habitat took title to the property (Phase I & II) Winter 2016 .......................... Habitat received Mass General Law Chapter 40B Comprehensive Permit from the Brewster Zoning Board of Appeals for Phase I & II Spring 2016 ........................... Habitat received construction permitting (building permits, Eversource utility agreements); (completed for both Ph I & II) Summer 2016 – ongoing ...... Habitat Private Fundraising (see attachment xx) Summer 2018 ....................... Habitat applies to Community Preservation for Ph II (8 homes) Summer 2018 ....................... Habitat submits request to Federal Home Loan Bank Boston (FHLBB) Fall 2018 .............................. Infrastructure/Site Work; Road Work Early 2019 ............................. Buyer Selection process (Affirmative Fair Housing Marketing) Late summer/Fall 2019 ......... Wall-raising; Volunteer Build Fall 2020 ............................... Closing; Affordable Deed Rider Recorded; Families Move In Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 7 Note: construction schedules are subject to change, and it is important for Habitat to keep some flexibility in our overall region-wide build plan. Based on other projects, funding timing and volunteer availability the above schedule may change. 7. Credentials Habitat for Humanity has an experienced development team. We have built 127 affordable homes on the Cape. We have successfully worked with State, local and private funding sources. All our homes meet or exceed DHCD Local Initiative Program guidelines. All current Habitat Marketing and Lottery Materials are approved by the DHCD. Habitat has a highly experienced Director of Construction who has over three decades experience as a General Contractor building residences on the Cape and Islands before joining Habitat. Team resumes are available upon request. Please see Exhibit C for detail on Developer Experience and Current & Recent Projects Paul Hush Way, Phase II, Brewster YEAR ‘18 ‘18 ‘18 ‘19 ‘19 ‘19 ‘19 ‘20 ‘20 ‘20 ‘20 QUARTER Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Habitat applies to CPC Habitat applies to FHLBB Home Buyer Applications Lot work (grading; septic; foundations) Wall Raising/Volunteer Build Cert of Occupancy/Families Move In Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 8 8. Budget/Need for Public Funds - Hard Costs: Phase II BREWSTER PAUL HUSH WAY PHASE II - Habitat for Humanity of Cape Cod, Inc. - FUND USES BUDGET Site Acquisition $ - Site Work/Hard Costs Earth Work $ 5,000 Site Utilities $ 7,200 Roads, Drainage, Utilities $ 178,400 Driveways, Parking, Walks $ 52,000 Other $ - Lawns & Planting $ 32,000 Sheds $ 20,800 Subtotal Site Work $ 295,400 Direct Construction Concrete $ 120,000 Carpentry/Doors and Windows $ 272,000 Insulation $ 45,600 Interior Finish $ 124,000 Cabinets $ 30,400 Appliances $ 16,000 Plumbing/HVAC $ 208,000 Electrical $ 92,000 Solar $ 160,000 SAVINGS - Professional Discounts $ 75,000 SubTotal Direct Construction $ 1,143,000 SubTotal Site Wk & Direct Const $ 1,438,400 General Requirements $ 86,304 Builders Profit $ 86,304 Builders OH $ 28,768 Gen Req, Builders OH & Profit - 14.0% Construction Contingency -5% $ 81,989 TOTAL HARD/CONST COSTS $ 1,721,765 Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 9 Soft Costs: Phase II Soft Costs Permits/Surveys (40b) $ 6,000 Architectural $ 2,000 Engineering $ 18,400 Legal $ 4,000 Bond Premium $ - Real Estate Taxes $ - Insurance $ 22,736 Security $ - Site Supervision/Construction Supervision $ 91,800 Const. Interest $ 26,400 Financing/Application Fees $ 1,000 Utilities $ - Maintenance (unsold units) $ - Accounting/Cost Cert $ 6,000 Marketing $ 35,025 Family Programs/ Volunteer Services $ 40,600 Subtotal Soft Costs $ 253,961 Soft Cost Contingency -5% $ 12,698 TOTAL SOFT COSTS $ 266,659 HARD AND SOFT COSTS $ 1,988,424 Developer's Fee $ 248,553 12.5% of TDC TOTAL DEVELOPMENT COST $ 2,236,977 Total development costs per home is $279,622. Total development costs per home for Phase I was $574,161. This difference is because total land acquisition, major sitework, and some soft costs were allocated and paid in Phase I. Even though in Phase I much of the architectural, engineering, legal, and sitework including the road way was completed, Phase II will still incur some site work hard costs, and some soft costs. Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 10 Foundations, septic systems, driveway and walk bases and tops, trenching for utilities, minor architectural changes, site and lot landscaping, and legal are a few of the hard and soft costs that still need to be completed. Total development costs have been calculated based on accepted bids and historical data. Phase II Sources of Funds $ 1,167,500 Proceeds from Sale of Homes - USDA $ - CPC-Acquisition Funding Phase I $ 200,000 CPC-Construction Funding Phase II $ - Other $ 160,000 Solar Grants-Anticipated $ 200,000 FHLBB Grant-Anticipated $ - Habitat Dev Equity ('flex cap") $ 434,477 HHCC / Private Fundraising $ - Proceeds from Sale of Homes - NPV HHCC $ 75,000 Blitz Build contribution (cash equivalent) $ - $ - $ 2,236,977 Total Initial Budgeted Sources Summary of Phase I Sources & Uses: USES: SOURCES: Site Acquisition: $ 847,000 USDA Mortgage Sales: $ 866,750 Total Site Work: $ 743,750 CPC Acquisition Grant: $ 847,000 Total Construction: $ 748,500 CPC Construction Grant: $ 350,000 OH/Gen Conditions: $ 208,915 Solar Grants: $ 144,000 Contingency: $ 127,408 FHLBB: $ 172,587 Total Hard Costs: $2,675,573 HHCC Developer Equity: $ 500,000 Total Soft Costs: $ 386,622 Habitat “flex cap”: $ 140,000 HHCC Programs/Fees: $ 382,774 Habitat Private F-Raising: $ 424,633 Total Dev Costs: $3,444,970 Total Sources: $3,444,970 Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 11 Approved Affordable Pricing Model The following is a pricing model based on DHCD & HUD affordable housing guidelines and variables. It was approved by the Habitat for Humanity Board of Directors in April 2018. Current pricing, approved by the Board is $133,750 for a two-bedroom, $150,000 for a three-bedroom. HOUSING PRICE MODEL 1 bedroom 2 bedroom 3 bedroom 4 bedroom 2016/2017 Sales Price $115,500 $131,750 $147,500 $160,750 Allowable 2018 Sales Price $117,500 $133,750 $150,000 $163,250 Down payment $0 $0 $0 $0 Mortgage $117,500 $133,750 $150,000 $163,250 Interest rate 1.00% 1.00% 1.00% 1.00% Amortization/Years 33 33 33 33 Monthly P&I Payments $348 $397 $445 $484 Tax Rate $8.00 $8.00 $8.00 $8.00 Monthly property tax $78 $89 $100 $109 Hazard insurance $88 $100 $113 $122 PMI $0 $0 $0 $0 Condo/HOA fees (if applicable) $60 $60 $60 $60 Monthly Actual Housing Cost $575 $646 $717 $775 Necessary Income: $27,597 $31,016 $34,434 $37,221 Household Income: 1 bedroom 2 bedroom 3 bedroom 4 bedroom # of Bedrooms 1 2 3 4 Sample Household size 2 3 4 5 80% Area Median Income $55,200 $62,100 $68,950 $74,500 40% Area Median Income $27,600 $31,050 $34,475 $37,250 Target Affordable Housing Cost (25% of 40% HUD AMI income to housing cost) $575 $647 $718 $776 Pricing is set so that a household earning 40% of area median income, as adjusted for family size, can afford a home. The figure of 40% has been adopted based on past practice and experience as the number that creates an appropriate "window of affordability" and allows those families ready to take on home ownership to qualify. Variables used in the calculator include a 1% USDA interest rate with a 0% down payment and a 33-year term. Habitat for Humanity | Paul Hush Way-Phase II | CPC Submittal June 28, 2018 12 For a tax rate, as Habitat sets a consistent price for all our homes throughout the Cape, so we have used $8.00 per thousand. There is no PMI so this is not included. We do include a Home Owner Association fee that is typical for a small-to-medium size Habitat development. We also amend the standard Housing Affordability "rule of thumb" that 30% of income goes to housing, changing it to 25% which further increases affordability. 9. Maintenance As the Habitat program is one of homeownership, ongoing maintenance is the responsibility of the homeowners. There is a homeowners’ association for the Brewster development that is responsible for maintenance of all common areas, including the roadway and drainage facilities, and will also be responsible for the open space area. Habitat has put significant effort into creating a solid structure for our homeowner associations. Habitat works with our buyers to help them understand the roles and responsibilities of a home owner association and stays involved through the first year to set the association off on a strong and positive path. The Association will contract with a professional property management firm to assist the home owner association in various administrative tasks such as required legal filings and fee collections, and this firm serves as a professional resource. Sample home owner documents are available upon request. Additionally, Habitat homeowners have had significant experience in building, as well as education on home maintenance and lawn care. 10. Site Control Attached please find information on the site, our buildings and our permitting process, including: Site Plan, Building Plans, Comprehensive Permit, Deeds. Habitat has owned the property since the closing on the land in October 2014. The purchase was encouraged by the Town of Brewster and funded with Brewster CPA fund, voted by Town meetings. Site and Building Information, Page 10-1EXHIBIT A Site and Building Information, Page 10-2 Site and Building Information, Page 10-3 Site and Building Information, Page 10-4 Site and Building Information, Page 10-5 Site and Building Information, Page 10-6 Site and Building Information, Page 10-7 EXHIBIT B Phase II Private Fundraising to Date Phase I Private Fundraising SOURCE AMOUNT C & I United Way $ 8,000.00 Elizabeth Anton Fund $ 8,900.00 Bank of American Fdtn $ 10,000.00 Bennett Foundation $ 10,000.00 Private Donor #1 $ 50,000.00 Charlesbank Homes $ 50,000.00 Brewster Baptist Church $ 55,100.00 Brewster Faith Build $ 65,564.00 BREWSTER PH I PRIVATE FUNDRAISING $ 257,564.00 SOURCE AMOUNT First Parish Brewster $ 48,000.00 Private Donor #1 $ 50,000.00 Heintzelman Foundation $ 50,000.00 Private Donor #2 $ 50,000.00 BREWSTER PH II PRIVATE FUNDRAISING $ 198,000.00 Developer Experience and Development Team Habitat for Humanity of Cape Cod works in partnership with families in need to build homes, hope, lives and community. OUR HOMES: Habitat for Humanity of Cape Cod has built 127 homes throughout the Cape Cod region since our founding as an affiliate of Habitat for Humanity International in 1988. Currently, we have 16 homes under construction, and 31 plus homes in pre-development, feasibility and permitting Our Development Team: Habitat for Humanity of Cape Cod has an experienced and committed Development Team. Warren H. Brodie heads our legal permitting. Warren has been involved with Habitat since 2003, first as a member of the Land Acquisition Committee, and currently serving on the Board of Directors. Warren has been involved permitting dozens of Habitat projects. For our Brewster project, we are fortunate to have the engineering firm J.M. O’Reilly Engineering, with their breadth and depth of services and experience. We are also proud to work with Brown, Lindquist, Fenuccio & Raber Architects, Inc.. Our Construction Team: Habitat for Humanity of Cape Cod relies on the skills and passion of over 600 volunteers. On any given job site, anywhere from 130-260 different volunteers will give of their time and resources to help build the homes and ensure our success. We have volunteers with specialized skills or licenses, others with decades of experience working with their hands, and we also have volunteers who have never worked with tools before. All are welcome! We have active volunteers in their nineties and volunteers as young as six (while construction volunteers must be at least 16 years old, we have woodworking and other projects appropriate for youth groups). Some volunteers work a single 7-hour shift, others put in 700 hours over the course of a multi-home project. Volunteers come from the Cape and beyond, from all walks of life, and bring a variety of perspectives. They all share a simple passion: the desire to make a difference for working families on Cape Cod and doing so while working side by side with their neighbors. Habitat also relies on Bob Ryley as our Director of Construction. Bob has forty plus years experience as a general contractor and sub-contractor in wood frame, has worked throughout the Cape and Islands, and has made training and instruction a particular focus. Bob was a member of the Habitat Board from 2006 to 2010, and volunteered as a Crew Leader, an Instructor, and on a Youth United home. Bob is a member of the Green Building Council and has been a driving force behind Habitat’s efforts to reach Net Zero. Habitat is led by Executive Director Vicki Goldsmith, who brings over three decades of Cape Cod affordable housing experience to the team, and is well respected throughout the region. Habitat also has a strong staff that supports the breadth and depth of programs that make up the Habitat experience. EXHIBIT C Habitat for Humanity of Cape Cod, Board of Directors The Board is made up of dedicated individuals from many fields, including construction, real estate, social services, finance, and faith leadership. Their collective expertise helps guide our programs, informs our strategic direction, and assesses the effectiveness of our organization. These men and women lead us in our mission to build homes, hope, lives, and community. Nancy Smith President - Nancy has spent 40 years as a consultant to the food ingredient industry, 22 of those years at Arthur D. Little, Inc., where she was Vice President and managing director of the company’s international consulting practice to the food, beverage and food ingredient industries. Currently, she is a partner of TFG (formerly The Food Group) a boutique consulting firm focused on the food ingredient industry. Her consulting activities focus on helping clients understand the critical interfaces among technology investment, business strategy and market opportunities. Nancy was a member of the Habitat for Humanity of Cape Cod’s 25th gala event committee and has been a volunteer in the Habitat office helping in resource development. She splits her time between her homes in West Yarmouth and Waltham. Charles Orr Vice President- Charles is a Registered Architect with Hutker Architect in Falmouth with over 25 years of architectural experience, and serves as Principal and Senior Project Designer of the Falmouth Office. Charles has served for several years on HHCC’s Land Acquisition Committee and together, with staff at Hutker Architect, are the designers of the 2013 Namskaket Road homes in Orleans. Charles says “My aspiration for Habitat is to create such wonderful homes that communities will be approaching Habitat to have them in their neighborhoods!” Charles lives in Falmouth. Linda Cebula Treasurer - After attaining her license as a CPA, and having spent many years in the corporate world in major retailers, Linda started consulting with small businesses and individuals. Her practice includes financial management and administration, tax and audit preparation. Upon relocating to the Cape, she has served on the Habitat Finance Committee for the past 3 years and has been a construction volunteer for many years. In addition to Habitat, her community involvement includes: Harwich Board of Selectmen, Chatham Historical Society (Trustee and Treasurer), and Cape Women’s Coalition (Co-Chair). She lives in Harwich Port with her husband, Robert MacCready, and their cats. Debra Anderson Clerk – Deb is an Assistant Vice President of Cape Cod Five Cents Savings Bank, working in their Trust and Asset Management Group as an Estate Officer. Deb has over forty years of financial and banking experience with Cape Cod Five and other financial institutions. She has been involved with Habitat for Humanity for many years, working not only on the first women’s build in Harwich, but has also been involved in some capacity with other builds, working on the Credit Review Committee, and she is currently running the Financial Workshops and budget meetings for new homeowners with another Cape Cod Five volunteer. Deb was first introduced to the Habitat organization through her church, Dennis Union, who covenants with Habitat on an annual basis. Deb resides in the Town of Dennis with her husband, Gary. She enjoys traveling and spending time with her large family, children and two grandchildren. Peter Kimball Clerk - Peter is president of AP Kimball Construction based in Yarmouth Port. He has more than 10 years of residential construction management and 30 years of business experience. Peter was team leader for Blitz Build 2013 in Orleans, where the Homebuilders and Remodelers Association of Cape Cod (HBRACC) built a Habitat home in one week. He currently serves on the Town of Yarmouth Old Kings Highway Historic Committee as well as President-Elect of HBRACC. Peter resides in Yarmouth Port with his wife and business partner, Angela. Frank Almeida Frank recently retired from 39 years of Federal Government service as a Fisheries Biologist and Administrator. For the past 10 years he was Director of the NOAA Fisheries science lab in Woods Hole, MA and Deputy Director of facilities in 6 northeastern states. Frank became active with Habitat as a construction volunteer on our 75th house in Orleans during 2011-2012. He has quickly become a valued regular on our sites and has chalked up many hours at the build sites. Frank lives in Falmouth. Warren Brodie Warren is the principal of Law Offices of Warren H. Brodie, P.C., a law firm with offices in Wellesley and Mashpee. Warren has been involved with Habitat since 2003 as a member of the Land Acquisition Committee, which seeks developable land and assist in obtaining all permits necessary for the construction of affordable homes. Warren presently chairs the committee, and has been involved in over 30 Habitat homes. Warren has also been active on builds, and he participated in Habitat’s 2006 trip to the gulf region in the wake of Hurricane Katrina. Warren lives in Waquoit, MA. Linda Jean Linda spent 32 years in civil service employment with multiple federal agencies. Prior to retirement she was the Executive Director of the Enterprise Acquisition Division at Hanscom Air Force Base. She was responsible for the cost, schedule and performance management of contracts valued in excess of $12B worldwide. In 2008, after retirement, Linda established Seaview Consulting providing services to DOD and civilian contractors in the preparation of proposals and grants. From May 2014 –July 2015 she was the Interim Executive Director of the Yarmouth Chamber of Commerce. She has a Masters of Business Administration and a Bachelor of Science, Criminal Justice – Law Enforcement. Linda lives in West Yarmouth with her husband John Nellenbeck. Steve Jenney Steve is CEO and President of Oceanside, Inc. Steve has been involved in the restoration industry for over 25 years. Serving as Director of Operations at Oceanside for over 20 years and having worked previously as an Insurance Adjuster for a local adjustment firm. In 2012, Steve had the opportunity to purchase Oceanside, Inc. Steve holds a Mass. Construction Supervisors license as well as many other certifications. He was born and raised on Cape Cod and attended schools in Yarmouth. He now lives in West Barnstable with his significant other, Eileen Kennedy. He is the proud father of three daughters and two stepsons. Four of our five children have recently graduated from college and the youngest in her junior year at Seton Hall. Steve and Ellen are avid golfers and spend time between the Cape and Myrtle Beach when the weather changes. Oceanside is proud to be a supporter of many charitable organizations on the Cape including Cape Kids Meals, Community Connections, Cape Cod Military Foundation and the Sandwich Food Pantry to name a few. Kathleen Nagle Kathleen is a top producing Real Estate Agent with Kinlin Grover working out of their Wellfleet office. She specializes in representing clients who want to purchase single-family homes or income/investment property on the Outer Cape. Prior to moving to the Cape she worked for the Nine West Group at their corporate headquarters in Stamford, CT . When Kathleen moved to the Cape in 2000 she was introduced to Habitat by working on a build site in Orleans as well as in Chatham. From there she served on the Family Selection Committee, and then as a Family Partner in Eastham and Wellfleet. Kathleen lives in Wellfleet. Sue Partridge Sue is an HR professional with over 25 years of experience. She is Director of Human Resources for Convention Data Services in Bourne, MA, where she's been for 10+ years. She's also held HR leadership positions in healthcare and human services, and began her career in banking and manufacturing. Sue is active with the Cape Cod Human Resources Association, currently serving as VP/Program Chair. She also serves on the SHRM MA State Council. Sue earned her BA from Bridgewater State University and holds SPHR and SHRM-SCP designations. She grew up in Norwood, MA, spent much of her adult life in the Wrentham and Plainville areas, moving to the Cape 11 years ago, when the nest emptied. Sue and her husband Brad live in West Barnstable with their 13 year old Bichon Frise. They are very lucky to have 2 sons, 2 daughters-in-law and a precious granddaughter who they love to spend time with. Sue also enjoys the beach, yoga, reading and all the other good things life on the Cape can offer. Wil Rhymer Past President - Wil is an Assistant Vice-President of Cape Cod Five Cents Savings, and the Wellfleet Branch Manager. In addition to his banking and finance expertise, he brings us his broad connections in the community, his experience and expertise with non-profit organizations and his enthusiasm for our mission and work. About his work with Habitat, Wil says, “It makes me smile when I see the smiles on the faces of families helped by Habitat who otherwise would not be able to own their own home. I hope to continue to play a part in bringing more smiles to Habitat families.” Wil lives in Brewster. Jill Scalise Jill has been helping to reduce homelessness, professionally and on a volunteer basis, for 25 years. She has a Masters of Social Service with a concentration in Advocacy, Planning and Program Development. Since 2004 she has worked for the Cape Cod Council of Churches as the Director of Case Management and Hospitality Housing, where she helps those seeking housing and provides support services to those now in housing. “I believe my experience will be helpful in understanding both the needs of, and resources for, families moving into Habitat homes.” Jill lives in Brewster. Rev. Dr. John Terry John serves as pastor of the Federated Church of Hyannis. He previously served churches in New Hampshire, Georgia, New York City and Cleveland. He is currently co-chair of the Board of Champ House (a safe and nurturing campus for homeless youth and adults). John lives in Hyannis. Father Joe Towle Joe is a retired Catholic Priest who has always been dedicated to working with people on the margin, whether in Latin America or in the United States. He is an active volunteer with both the Family Pantry of Cape Cod in Harwich and Habitat for Humanity, where he is a regular on the construction sites. Joe says, “I look upon construction with Habitat as an undoing of some of the destruction in the world.” Joe lives in Harwich Port. Ron Winner Ron has almost 40 years of experience in the lumber and building materials industry, selling to builders and architects. He joined Shepley Wood Products in 1989 as their first outside lumber salesman. He has worked on Habitat builds in the past and looks forward to more hands-on building. Ron hopes “to work to help Habitat continue the great work it is already doing.” Ron lives in Hyannis. Previous and Current Habitat Affordable Housing Developments Current and Recent Projects Project Name Address Housing Type No. of Units Total Dev Cost Subsidy Program Date Complete Reference (Town Adm) River Road Barnstable Single Family Ownership 4 $1,584,327 DHCD 40B Under Const Mark Ellis 508-862-4610 143 Route 6 Truro Single Family Ownership 3 $1,279,919 DHCD 40B Under Const Rae Ann Palmer 508-349-7004 Paul Hush Way Brewster Phase I Single Family Ownership 6 $5,525,954 DHCD 40B Under Const Michael Embury 508-896-3701 So Yar Rd & Janall Dr Dennis Single Family Ownership 3 $844,347 DHCD 40B Under Const Elizabeth Sullivan 508-760-6148 Orchard & Quinaquisset Mashpee Single Family Ownership 2 $593,849 DHCD 40B Under Const. Rodney Collins 508-539-1400 Old Stage Rd Barnstable Single Family Ownership 2 $437,469 DHCD 40B 8/2016 Tom Lynch 508-862-4610 Rabbit Run Eastham Single Family Ownership 1 $215,336 DHCD LAU 6/2016 Sheila Vanderhoef 508-240-5900 Virginia Street Yarmouth Single Family Ownership 6 $1,394,278 DHCD 40B Under Const. William Hinchey 508-398-2231 Main Street Chatham Single Family Ownership 4 $859,411 DHCD 40B Under Const. Jill Goldsmith 508-945-5105 Oak Street Harwich Single Family Ownership 7 $1,389,121 DHCD 40B 7/2016 Christopher Clark 508-430-7513 Sesame Street Barnstable Single Family Ownership 2 $486,148 DHCD 40B 7/2015 Tom Lynch 508-862-4610 Glenwood Falmouth Duplex Ownership 2 $306,000 DHCD 40B 1/2015 Heather Harper 508-548-7611 Bevan Way Orleans Single Family Ownership 6 $1,602,740 DHCD 40B 9/2015 John Kelly 508-240-3700 Ginger Lane Barnstable Single Family Ownership 1 $160,232 LIP/LAU 5/2014 Tom Lynch 508-862-4610 Park Place Mashpee Single Family Ownership 2 $266,000 DHCD 40B 4/2014 Joyce Mason 508-539-1400 Yellow Brick Road Truro Single Family Ownership 1 $133,000 LIP/LAU 7/2013. Charleen Greenhalgh 508-349-7004 Sandy Meadow Eastham Single Family Ownership 2 $266,000 LIP/LAU 4/2013 Sheila Vanderhoef 508-240-5900 Russell Road Mashpee Single Family Ownership 1 $133,000 DHCD 40B 4/2013 Joyce Mason 508-539-1400 Habitat for Humanity Cape Cod - Marketing and Lottery Information MARKETING PLAN FOR HOMEOWNERSHIP APPLICANTS Time period: Application deadline shall be at least 60 days from the announcement of availability of applications. Marketing for these homes is scheduled so that purchasers are selected in time to participate, alongside volunteers, in the building of their homes. Notice of application availability and public workshops:  Notice of application availability and public information workshops sent to all persons who have requested information about our application process in the last 12 months  Notices sent to area newspapers: The Cape Cod Times (regional paper), and any other weekly or daily serving the Town where the new homes will be located.  Two advertisements in regional newspaper (Cape Cod Times) and local newspaper (Provincetown Banner)  Public Service Announcements to local radio stations and local access cable TV  Notices and fliers sent to Local Town Hall, Libraries and local Chamber of Commerce  Notices and fliers sent to churches in the Town and surrounding Towns  Notices and fliers sent to area housing and social service agencies, and organizations serving the Cape’s minority population, including: Multi-Cultural Development Committee of Cape Cod Community College NAACP Housing Assistance Corporation — Cape Home Ownership Center Cape Cod Child Development (Head Start Programs) Cape Cod Council of Churches Community Action Council Area Housing Authorities Area Town Halls Additional service and charitable agencies serving low-income as may be identified  Posting, as required on MAHA and CHAPA websites, Massachusetts Housing Authority (MAHA) website: http://www.massaffordablehomes.org/defau1t.aspx and the Citizen’s Housing and Planning Association: http://www.chapa.org/.  Fliers distributed through the town’s Elementary and Middle Public Schools, as allowed by the Superintendent  At least two public information sessions are held in the town to inform and assist potential applicants  Applications will be available at one accessible Town location as well as from Habitat’s office. EXHIBIT D LOTTERY PLAN The lottery process will conform to standards consistent with the requirements of the Department of Housing and Community Development’s (DHCD) Local Initiative Program (LIP). Habitat will pre-qualify candidates according to its established criteria and then conduct the lottery, which will not be public, but which will be monitored by a representative of Housing Assistance Corporation (HAC) or any alternate monitoring agency as may be designated by DCHD, and acceptable to the Town. Post-lottery, before notification of lottery winners, the eligibility and qualifications of lottery winners will be certified by monitoring agent. HHCC Board of Directors (as Lender) will do final certification of the results. Local preference: If approved by DCHD there will be local preference pool for the lottery for up to 70% of the homes. The definition of local resident will be in conformance with DHCD’s Affirmative Fair Marketing Plan and will include households currently living in Town, households with a member employed by a local business or the municipality or school district, or with a household member attending public school in the Town. In conformance with DCHD standards, no more than 70% of the units for this project may receive a local preference. The applicant pool for the remaining home shall be OPEN meaning there will be no local preference in the application selection for homes in this pool. Per previous agreement with DHCD, for all homes, eligible qualified applicants who live or work in the 15-Town service area (Barnstable County) of Habitat for Humanity of Cape Cod shall receive a preference over those who do not. Household size/bedroom size: There will be a preference system within the selection process for households that will utilize all bedrooms of their home, with at least one person to a bedroom, with couples presumed to share a bedroom unless medical documentation is presented to demonstrate a true need for separate bedrooms. If there is no household of number/composition to fill all bedrooms, the earliest selection in the lottery of the size household that would fill all but one, will be given the opportunity to select a larger house size, and so on. Phase II Photos EXHIBIT H