Correspondence Logs - Cruz, U.S. Department of Housing and Urban Development Correspondence (2013-2017)

|= SERDAON BUREAU OF CONMERCTAL SERVICES CERTIFIED GENERAL APPRAISER LICENSE SyLO CIRCLE DOWN i i i t i | i | DOUGLAS JOHN BAGEHAN | 1 { SOLDEN VALLEY SN SS42b ‘ i | i | } { | j Teotevners o7v/siyz0.4 2b08752 PLEASE TELL US ABOUT YOUR LICENSING EXPERIENCE BY CORPLETING OUR ANONYMOUS CUSTORER SERVICE SURVEY AT: WHE. HICHTGAN.GOV/LARASURVEY YOUR UZERSE HUET ag DISP_AYEO NZ PACRINENT PLACE EOF UCERSE CONTRING HZOGATANT INFORIATION, Inquities Regardingthis License Please promde YOulice1se numberon all correspondence and when sentactng *he Deparment wr mchigan goweormeniaticensing Bureau ot Commercial Senices Deparinert of wcensing ang ReguiatenyAsis PO Rox 0018 Lansing §j-4ag0d BUREAU OF COMMERCIAL SERVICES: 4-547-251-9288 Compiaint information ‘The sssuanes of this teense or DENT shoud nal be constvued a: 2 wenver or dismssal of any complemts or wolstions pending against whe hoersee. ts agents, errployees cr cudtiying officer, REMENT GF LICENSING STATO! MICHIGAN AND REGULATORY 4FFAIRS BURGAU OF COMMERCIAL SERVICIS CERTIFIED GENERAL APPRAISER DOUGLAS JOHN WAGEMAN SHOD CIRCLE DOUN GOLDEN VALLEY SN SS416 LZOLBTIaEs O7/332034 LICENSE 2608751 Meh MEETS tag Se SINS whe1 $F Michigan Appraisal License ~ Douglas J. Wageman, MAI * In Michigan, Appraisers are required to be licensed/certified and ave regulated by the Michigan Department ofLabor andEconomic Growth (DLEG). Douglas J. Wageman, MAI, is currenily licensed as a certified general real estate appraiser with the State ofMichigan, license #1201070828 (Michigan Department ofLabor and Econome Growth (DLEG)), Real Estate Licensing Division, PO Box 30018, Lansing, Michigan, 48909. 517.241.9201. Nete: Updated license for 8/1/2014 to 7/31/2016 has been paid with corresponding education completed. on

Valbridge PROPERTYADVISORS Indian Hills Townhouses 400 Cleveland Street | Dowagiac | Michigan INCOME CAPITALIZATION APPROACH, \etestsaia sievesReelet fiestasGat ee a} iSmae Ge SnSree me Hea ee SS a aS ewererat VALBRIDGE PROPERTY ADVISORS Allgeier Company Vatbridge Job Number: 16-2144 Page 44 3

Valbridge PROPERTY ADVISORE Indian Hills Townhouses 400 Cleveland Street | Dowagiac | Michigan INCOME CAPITALIZATION APPROACH [aeGrapeey GE epee [emiectvceRant& Flent tu te EEE a rp eer = sess Gee ean prepuce. Enemy st VALBRIDGE PROPERTYADVISORS | Allgeier Company Valbridge Job Number. 16-2144 Page 45 aA

Indian Hills Townhouses Valbridge 400 Cleveland Street| Dowagrac | Michigan INCOME CAPITALIZATION APPROACH PROPERTY ADVISORS WetieceneRant ® Bact = FE [DesignLoctine, Coaditon “Wd lSameecko"AE PenFees fe [\serenare Deiacter [Weterarer Beier | et A. 1s ja aeee ac prvsarids VALBRIDGE PROPERTY ADVISORS | Allgeier Company Valbridge Job Number: 16-2144 Page 46

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Housing and Urban Development Office of Housing Rent Comparability Grid Unit Type —> Subject's Attachment 9-2 OMB Approval # 2502-0507 (exp 01/31/2018) ruse TT (b)6) Subject Comp #7 Comp #2 Comp ‘Comp #4 Comp # __ ProjectName Date Tndvan Fills Apartments BepthonSava Bersren Woods West Wind Parkside Terrace Street Address ” 400 Cleveland Street 315 N Lowe Street 1900 E Mam Strest 808 West Front Street 701 North Red Bud Tras! | City County Dowagiae, Cass Niles, Bemen Buchanan, Benen | Buchanan, Benen | Reus Charged Data__| SAgj Dam SAqj| Data SAqj_baua TAdy 1 |S Last Rent / Restricted? S425 $605 $499 $425, 2 [Date Laxt Leased (muo/yt) Ocei6 Oct-16 Oce16 Ocrlé 3 |Reut Concessions Ne Ne No No 4 [Occupancy for UmstLype 100% 95% 97% 94% 5 [Pective Rent & Rent/ og. ft % o7oarsead] $425 08s $605 093 $499 oss S425 106 In Parts B thru E, adjust only for differences the subject's market values 8 Design, Location, Condinon Data SAdi Data_| ssdj} Data sad] Data SAdi| Data $ Ady 6 [Structure Stories Walkup $30 wi25 s30 [Walkup s30 wu3 $30 Garden [$30 7 |¥r. Buili/¥r, Renovated 1979 1990, 1990-2000 19HoRezOTE NA _ a _|Condition /Street Appeal Average $10 Below Ave $30 AboveAvg. Above Avg: Below Avg. $30 9 [Neighborhood Average, ‘Average ‘Average, Average Average 19 [Same Market? Mites to Subj ‘Adjacent ¥55M NI35M NigM NIM ©, Umit Equipment! Amenities Data SAG Data Ady Data S$Adj| Data SAdj| Data SAG 11 [# Bedrooms 1 1 i 1 1 1 12 |# Baths i 1 1 1 L 1 13 {Unit InteriorSq. Ft, 46 570 $17 300 $33 a9 St) 594 siz 400 $55| 14 {Bateony/ Patio Fenced patio N sie N $10 ¥ $5 ¥ ss f Uy s__ 15 {AC: Central’ Wall wallsleeveonty [Central (620) wat (s10) Ceowal ($20) Ceamat_ (620) | Wall $10) 15 [Rangel refrigerator Yv YX iy 7a YX ¥¥ 17 |Microwave/ Dishwasher NN NN NN NY _ ow] NN 16 Washer/Dryer Hookups Laumdy S15 Laundry $15 Hookups Laundsy StS Laundry [515 19 [Floor Coverings cv cv wv. ov cv cv 20 |WindowCoverings —_¥ ft ¥ . ¥ ¥ ¥ ¥ 21 |Cable/ Satethte/Internet N N N N N N 22 [Special Features N X N 6 N ig 23 [On-Site Mgmt/Maint ¥ x ¥ ¥, ¥ ¥ D [Site Equipment/ Amenities Data TAdt Data__| SAdy [Date [SA] Dae SAg|| Data TAG 24 [Parking ($ Fee) ¥ ¥ ¥ ¥, ¥. ¥. 25 {Extra Storage 633sfbsmt N 355 N 535 ¥ $35 N $35 N 35 26 |[Secuntty N N N N N 37 Clubbouse/ Meeting Rooms N N N ¥ ¥ R 22 Pool/ Recreation Areas Playground PG N $5 Poot__| (S10) PG N $5 26 Business Ctr /Nohd Netwk N N N N N N 30 [Service Coordination N N N WN N ® sf Non-shelterServices N N N N N N 32 [Neighborhood Networks N N N N N N | Utes. Data TAdy Data SAqj Data Sagi] Date Sag} Date FAGj 33 Heat (1m reat”/ type) YIGAS NGAS, 520 NeiscT 330 wieas 20 Naas x20 Pwrrecr] sx Service Charge 313, $8 $13 $15 $8 34 [Cooling (in rent”/ type) NELECT NELECT NELECT NELECT NFLACT WELECI 35 |Cooking (in rert*/ type) YiGas NELECT $7 NeLECT $7 weiecr $7 [wetecr $7 36 Hot Water (sn rent?/ type) ViGaS NELECT] 518 SELECT $18 wieas $5 nevect] sis 37 [Other Electric 38 [Cald Water! Sewer ¥ ¥ ¥ ¥, ¥ 39 [Trash fRecycling x ¥ ¥. ¥ x F. [Adjustments Recap Pos Re Pas Reg Pos Neg Pos Reg 20|# Adjustments 8 to D if 6 t 7 1 3 U 7 1 4, [Sum Adjustments B to D SUT (820) $158__| 1810) $97 (S20) $175 ($10) 2 {Sum Utility Adjustments $58 363 $45 $63 Net Gross ‘Net Grass Net__| Gress] _Net Gross 43 _Nel/ Gross AdjmisB to E $155 $193 sail $232 $122 8162 $228 $248 G |Adhusted & Market Rents ‘Adj. Rent ‘Adi. Rent 44[ Adjusted Rent(5+ 43) sexe fh 45 Adj RentLast reat ee a Ea 4 |Fstimated Market Reat (@s> Estimated Market Rent/ Sq. Ft 2 why& how each adjustmentwas mace REPARED eeriee- pet ennee b. how market rent was derived from adjusted rents ApprebenteSignaiare =P RoPeyry{ Date moar Grd way prepared Oo Marsh — Uap HUD's Exodforms ‘Thisform is ta heas farcompletingem Conparabilty Studies in accarancewith Chaprer'9 of theSection# Renewal Gute ¢. how this analysis was used for a similar unit type form HUD-92272-88 (04/2002) A

Housing od Urban Development Attachonent 9-2 Office of Hausing OMB Approval # 2502-0507 (exp O1/31/2018) Rent Comparability Grid Unit Type —, Bedroont Subject’s FHA #: Subject Comp #1 Comp #2 Comp #3 Comp #4 Comp #5 Proyeet Name Data indten Hills Apartments Fainfavare Bemien Woods West Wind Parkside Terrace Street Address °n 400 Cleveland Suet 31S N Lowe Steet 900 Main Steet 808 West Front Steet] TF NOBRed Bud City_ County Dowayray, Cass Dowagiac, Cass Niles, Berrien Buchanan, Berrien Buchanan, Rermen ‘A. Rents Charged Dew S$ Adj Dats S Ady Data S Adi Data S Adi Data S Ady 1 [5 Last Rent / Restricced? $475 $525 3690 $640 $595 2 [Date fast Leased (mo/yc) ‘Oct-ié Oct-16 Oct-16 Oct-16 Qetss 3 [Rent Concessions No No. No No No 4 fOccupancy for LaitType I% 100% 35% 97% 94% 5 [Bltective Rent & Renv/ sq, ft [7 $475, cosas] $525 os1 3690 070 3640 o77 ss95__| 085 In Paris B thru E, adjust only for differences the subject's market values B. Design, Location, Condition Data SAdp Data S Adj Data S Ady Data S Ady Data S Adj 6 {Structure / Stories TH Walk up. $30. WU 23 $30 ‘Walk up $30 wWi3 $30 Garden $30. Caf )¥r. Busit/¥r, Renovated 1975 1979 1996 1990-2000 1980-Ren2014 NA 3 [Condition /Street Appeal Above Avg Average, $10] Below Ave $30 AboveAyg. Above Av; Below Avg 330 9 [Neighborhood ‘Average Average Average ‘Average _| ‘Aversge Average 1 [Same Market? Miles to Subj Tae = Advacent ¥55M N13 5M. NigM NI7M C. Unit Equipment/ Amenities Data S$ Ady Data Adj Data S Adj Dat S Adj Data $ Adj u|# Bedrooms 2 2 2 2 2 2 12 [4 Baths _ 1 i 1 if 2 SIS 1 1 | 15 |Unit Interior Sq. Ft. 836 680 $34 650 | S4l 986__| ($33) 228 $2 700 $30 14 [Baleony/ Patio 160 fenced patto N si} N $10 ¥ $5 ¥ $5 ¥ $5 15 |AC: Central’ Wall wail sleeve only Central ¢$20) Wall ($10) Centrai ($20) Cental | 20) Wall ($10) 26 |Range/ refrigerator ¥¥ YY ¥Y¥ Y¥ YY. vy 17 |Microwave/ Dishwasher NIN NIN NIN NY a NY NIN 15 Washer/Dryer Hookups Laundry sis Tamir [Sis Hookups Laundry $15 Landry $i5 19 [oor Caverings cv ow Ww cv ov wv 20 {Window Covermgs ¥_ ¥ ¥ x Y x | 21 |Cable/ Satellite/Internet NX N N N. N N 22 |Special Features N N N N N N 23 [On-Site Mgmt/Maint ¥ ¥ ¥ ¥ Y X D [Site Equipment’ Amenities Data $ Adj Data SAdy Data S Adj Data S$ Ady Data S Adj 24 {Parking ($ Fee) ¥ ¥ ¥ Y _4 ¥ ¥ 25 /Extra Storage 414 sf bsmt _ N $40 N S40 Y¥ 40 N $40 N $40 26 [Security x N N N roN | 27 }Clubhouse/ Meeting Rooms N N N _| ¥ ¥ N 28 {Pool Recreation Areas __| Playaround PG [ _N 35 Pool ($i0) PG N $5 29 Business Cir / Nbhd Netwk N N N N N N sr [Service Coordination N N N N N N 2 [Non-shelter Services N N_ N N N N 32 |Nelghberhood Networks N N N NK N N kK. [Utilities Data S Adj Data S Adj Data S Adj Data SAqj Tate S$ Ady 33 |Heat Gn rent?type) YGAS NGAS $23 NELFCT $42 N/GAS $23 NiGAS $23 NAPLECT $42 Service charge _. 313 $8 $13 $13 $8 34 |Coobng {un rent?’type) NELECT NACLECT NELECL NELECT NELECT. NAELECI 35 |Cooking (an rent?/ type) YiGAS N/ELECT $10 NELECL $10 NELECT $10 NELECT $10 NELECT S10 34 Mot Water (an real? type) YViGAS NELECT $23 NALECT $23 WwGAS ST NIGAS. $7. NELECT $23] 1 Other Electric NELECT NELECT ‘ELECT NELECT NELECT ‘ELECT 38] Culd Water! Sewer ¥ x ¥ ¥. flat fee Wrs/Trash, 332 ¥ 39 Trash ‘Recycling, ¥ ¥ Y ¥ ¥ ¥ F, |Adjastracnts Recap Pos Neg Pos Neo Pos Neg Pos Neg Pos Neg. 40 |# Adjustments B to D 1a ft 6 i 7 1 4 3 _s i 7 1 at [Sum Adjustments 8 to D " $139 ($20 S$17t ($10) $90. 41563) $92 4820) SESS. ($20) 42 [Summ Unity Adjustments $69 $83 $53 $85 $83 ‘Nef Gross [Net Gross “Net_[ Gress Net Gross _Net__| Gross a3| Net! Gross Adpmes B to E $188 £228. $244 S264 S80 3206. S157. S197 $228 $248 G. |Aduusted & Market Rents Adj, Rent Adj. Rent, Adj. Rent, Adj. Rent «| Adjusted Rent(5+ 43) 5663 ere s770 (Fee $797 ries 43 Adj Rent/Last reat reea 146% 112% [fs 138% 46 |Estimated Market Rent ‘$0.94 Estumatted Market Rent/ Sq Fe @, why & how each adjustment was made 6. how market rent was derivedfrom adjusted rents _ ©. how this analysis was used for a similar anit type PREPALeD By Surctwe PLOPEdH ‘Attached are expianatons of * Appeaiser's Signature M SyriT Date aston ste bewsTEETERom compart SealeckSAcoerSYRae form tuns2z73se anza0z, WP

Fousing and Urban Development Attachment 9-2 Office ofHousing OMB Approval # 2502-0507 (exp 01/31/2018) Reni Comparability Grid Subjects FUA #: (b)(6) UNI LYPE-3 BEDROOM Subject Comp #1 Comp #2 Comp #3 Comp #4 Project Name Data Bernen Woods West Wind Parkside Terrace Pawating Village Street Address a 1900 & Mant Street|| 808 West Front Strees 70! NomiRed Bud 1 Fort Street’ City County Niles, Berrien Buchanan, Berrien Buchanan, Boren Niles, Vl “| Rents Charged SAdj|| Data [SAqj| Dota [Sag Data TAdj 1 [S Last Rent / Restricted? $689 $650 $350 2 [Date Last Leased (mo/yt) Oa-i6 “Oct-16 OetG 3 [Rent Concessions No | __No, No __| ¢ [Occupancy for Unit Lype 97% 94% 94% Effective Rent & Rent/ sq. - slit 067 $689 075 $650 076 $850 089 Design, Location, 8. [Condition Data_| SAdill Data__| saqj| Daz sad Data SAdj 6 [Structure / Stories Walk up $30 wars s30_|} Garden $30 Garden $30 7 |¥r. Built/¥r. Renovated 1990-2000 1980.ReadOL4 NA NA s [Condition /Street Appeal Abovesve| ‘Above Avi Below Avg| $20 Below a $20 9 |Neighborbood Average ‘Average Average 10 [Sane Market? Miles co Subj Nigvi NI7M. NI7M C Unit Equipment’ Amenities Data SAdjj| Data S4qjl|_ Dae SAaj Data TAG 1 |# Bedrooms 3 3 3 3 3 12 [# Backs 3 3 3 3 3 13 Unit interior Sq. Ft. 922, nisi ($57) 918 sz sso sie 950 (86) 14 |Balcony/ Patio fenced patio ¥ $5 ¥ 35 ¥ $5 Y $5 15 |AC: Central/ Wall watistceveoaty {Central ($20) Centra ($20) Wall (sto) Centra, ($20) 16 JRange/ refrigerator YY YY Xe Ye YY 17 |Microwave/ Dishwasher NIN ny bein] ny Gig} ny NYY (B10) 2 [Washer/Oryer Hookups Hookups | eaunasy 515 Laumdry 19 FloorCoverings cv | cv ov cv 20 [Window Coverings ¥ ¥ ¥ ¥ 21 [Ceble/ Satellite/tnternet ® n [ XN w N 22 |SpecialFeatures N N N N ¥ ($5) 23 [On-Site Memt/Maint ¥ x ¥ ¥ ¥ D [Site Equipment/ Amenities Data [SAgj|| Data SAqj Data SAgy Data S Adj 26 [Parking S Fee) ¥ | ¥ ¥ ¥ ¥ 25 [Extra Storage 418 sfbsmt || ¥ $40 N 340 N $40 WN 340) 26 [Security N N N N 21 |Clabhouse/ Mecting Rooms N ¥ ¥ N NO > 25 Pool Recreation Areas Playground ° + «$10) 2 2 $5 2 2s [Business Cor / Nbhd Netwi x N N N N 30 [Service Coordination N R w N N 31 |Non-shelter Services N N [| oN N N 32 |Neighhorhood Networks N N N | iN N E.[Utilities ‘Data SAqj| Data SAd}| Data_| Aaj Data SAdi 35 eeat (in zent?/ type) ¥IGAS weas [927 Nagas | 327 wweurcr 353 UGAS $27 Service charge 313 $13 $8 $13 34 [Cooling (sn rent” type) NELECH ELECT NELECT. ELEC NELECT 35 |Cooking (1m reat’/ type) yeas Natecr| 313 wevecr siz (ivecect si3 NELECT $13 36 HotWater (in rent?! type) YIGAS weas [$10 nwas sto Bwetect 327 NIGAS S10 37 [Other Electrte 38 [Cold Water! Sewer ¥ ¥ ¥ ¥ 39 Trash Recycling ¥ ¥ ¥ ¥ F. [Adjustments Recap Pos. Neg Pos Neg Pos Neg 40 |# Adjustments B to D : eh 3 4 5 2 7 I 41 Sam Adjustments B to D 875 (SOT) $92 (S30) [$131 ¢si0y 42 |Sum Utility Adjustments $63 $63 $101 ~ ‘Net Gross {Net Gross ||_"Net Gross 43| Net/GrossAdjmisBto |-Csttinee's Sal $235 $125 8185 $222 $242 G. [Adjusted & Market Rents ‘Adj, Rent ‘Adj. Reat 44| Adjusted Rent(5+ 43) ssa $372 Ss auRe 45 ‘Ady Rentff ast cent on Oe] 118% eS 134% [Ponisi 46 |Pstimated Market Rent $878.00 a. why& how each adjustment was made PREPAQED BN _D how market rentwas dertved!fromadjusted rents SP oe PIvPEL™ MA bap©tow tins analysis was used for 2 similar unit type NOCOTing Reut ComparstultySeaies am sorordance wit Chapter9 of the Sesion #Renewal Gunde

Mictigan Siete Housing Development Authority iliity Schedule ~ Region C Effecinre:lerwwary1,007 oowiatiepes: Mlelre, Tae? Eee, Somes, Some, Take, Sess, Centon, Halon, Genesee, Gratiot, Hiisdale, Huron, tngham, jonie, isabella, Jackson, Kalamazoo, Kant, Lapest, erie, dremee Mite, Uemmitn, sasocon, Newayao, oars, Oitzws, Sumnam, 51 Joseph, Sanilan, Shiawassee, Tuscale, Van Buran 7 +, __ Standard UtilityAlowance = ~~: © ReomieacnTaeae era “Attached r o pet Greek Up ‘OuoledTownhouse a ae “FaeTae| SRSen} [OBR TSR ZR GER CER|SSR) | OBR) ABR) 25R [SPR SBR 5. cies oe Se Ser So say eo Uses aaa Sei Teas Pte fa Son Ss Sse Sea gaB ey Ere [sa {see S08 Sioa S108 Site (size (stat (1 geo Sai ses S109 Sia Sige ‘sheeting SS Se se eS Sav_| Ss {S60 {$72 {sas see fp Set) $72 {ses [soz [orto o123 eatherPaaS ae "seq (sia sios Sita S121} sioe se8 ere {se S107 stg0 [aise ‘SabieteateS ST eT 2) 2s rxTse (Ser eT zs Tas Ts enee = = Sis ss) 8 [ss [si sid sie ss tse Tso if Sas Fata — =f ise) sat se 36 [7 S00 [sia toe [sis tse sr [sie ysis] si6 [sie ldap se se SS S25_{ S3i_ [943 ses [ser sre || S31 Tsar] sei {sea (geo [ses ‘Firmeatier = s Os) 7) M sa [se |g?) so sit ty a2 sa ert Sof sta} siz, heertao Sas SST SPT BG Sa $5] sa) So tsiz [sis (se jj so} so } se $2 [sig [sia RogierSere Sex “SE 8 SH Sea) Sat Sis Sie {sar ste saat sei Pi sie [sis (Sart s36 Yeast sai Veuptthow—Seorc fee) 58 | Sea Sar [ee 9 sea see saa S40 sar {ge 623 son Sar sao sav ‘berRewer~Tes i siz Uo sis {Set $27 gat Big Sis S28 S34 Seo 850 $75} 3181 Sab SM 3 S50 Blam pss Psi? | So8 [gas set SiS Si? 328 $44 61) or7 Tas sir ae [sae sar) S77 ad [Sr sz [a9 Tsar os Si) 923] S39 [saa S05 (Sis |. [ee soa jae seo (ses Stae eer CHE si Si? | gi? sir sit si (si [si ai tsi siz (st ste sie tsi 7, Seen Sarge Netural Ges—forall unitypes add 513 Bechic~forafl unit tynes add $8 ir SooSareng AUowance: Onlyallowed ifWindows are natoperable. Frmished Appiiance Allowance: Range — SS rent = responsible jorsupplying the. Refigermtor- 3 “eaeaes meidgeratcr, use the stowarces Srred ta the right, “2 ose this scheduie: 55 > the 2nnropriate amount on the chart toreach uilltyfeppliance Inat you sxe tesnommibis1 pay. : Seles tax is included in the cmaunts fisted above. MSHATRIE (OHSS) Previous versionschenleto We

COMPARABLES 43

Comparables: Valbridge Appraisal 1 Bedroom 2 Bedroom 3 Bedroom Indian Hills Apartments Indian Hills Apartments Hamilton Square Apartments Hamilton Square Apartments Hamilton Square Apartments *1 Berrien Woods Berrien Woods Berrien Woods West Wind West Wind West Wind Parkside *2 PawatingVillage HUD Appraisal Indian Hills Apartments Indian Hills Apartments Village West Apartments * Hamilton Square Apartments Hamilton Square Apartments Berrien Woods Berrien Woods Berrien Woods West Wind Hillcrest *4 Hillcrest *5 PawatingVillage Parkside Terrace Parkside Terrace Parkside Terrace *1 — Hamilton Square does not have 3 bedreom units *2 — Parkside Terrace does not have 3 bedroom units *3 — Village West Apartments was not on the Valbridge Report *4 ~ Hillcrest Apartments was not an the Valbridge Report *5 — Hillcrest Apartments was not on the Valbridge Report This informationis evidence that the Appraisal Reports prepared by Valbridge and by HUDcontain errors that have a negative impact on determining proper comparisonsto the Subject property. The Valbridge report only included photosavailable on the properties website, which do not properly represent the conditions of these rental units. It is concerning that the HUD Appraiser in Washington D.C. included comparable properties (Hillcrest and Village West Apartment) that were not on the original appraisal by Valbridge. It is questionable as to howreliable the information on these properties can be without physically seeing thesites. ut

Valbridge PROPERTY ADVISORS indian Hills Townhouses 400 Cleveland Street | Dowagiac | Michigan INCOMCAPITALIZATION APPROACH VALBRIDGE PROPERTY ADVISORS | Allgeier Company Valridge Job Number. 16-2144 Page 44

Indian Hills Townhouses Valbridge 400 Cleveland Street | Dowagiac { Michigan PROPERTY ADVISORS INCOME CAPITALIZATION APPROACH a visedeweaee azsomeatis mace B daw surdceseissdeenmakennate doecae saab as eateraeiiae BUSTERS VALBRIDGE PROPERTY ADVISORS Allgeier Company Valbridge Job Number 16-2144 Page 45

Indian Hills Townhouses Va ibridge 400 Clevelanc Street | Dowagiac | Michigan PROPERTY ADVISORS INCOME CAPITALIZATION APPROACH SeatBent Rett (ase Lant Leased tar} 1 [ent Caneernons 7 Osrenanay toeLatsTepe \PtecdreKans& Rent H B[GecieeLacon,Condon, Stractare Srovies mi ed. -¢ TaaroyMarae” © Trains et, Sn Taeasay—See] [cabie. Saretuceincerner BpeealFexrares Towerricne R eatersee [32 trash. F AdjeremersRecep AiRass ees a Pama ppraices» Bignatare & Goa eacpeepared FE seme Fangs tartare ms88 VALBRIDGE PROPERTY ADVISORS | Ailgeter Company Valbridge Job Number: 16-2144 Page 46

Subjects6a # [Om Oba Approval 23802-0507 fap 2p aio TapA on Vinge West ‘West Zz 7G Coban Cour | Tae West romeSteet, Wie, Duels aner§ Angers Agorses| 05 [rey owners lower 5 Appar dlc 4a) ad. [eee] pata al ‘ab na aa 3300 40 wot $0 iar was BE ersAppralaes, Bd} WHiforHDsAppretien $d, Bs FoxesBie mars re Snare ® [AREF Appears Tape F] WUDT aa) 2 fuveraalomed vme ey ad) al aj aay (ot “ti Wala avi 07 [sors Sy x Average — ‘Sapa| wi | erage Shai sm ri Sig [caCz sm wir ‘Omar’ faypart| HUDe arena cons jouners |Avorwrs} UDF Joona anand] HUBS fren oursa ree ee fal fat 4 fad ay [ee ‘a si fut ey [sin Fy [> a i Ga as | i ys a 3a) ‘5 _ C ay. 7 ae aig, was (ay |-eer La 0) |, Tie stor 7 a [OI [aF ss — $5 [38 z I = Bid) ‘Ounee§ [Appar | HUDS fra foworrs Appears loner] Aver8] 005 Tre ner wunar at [aay aa Peer ey aal | a Aa aw aa [Re ome as ey Goo] 850r 3 cu Ww a(x War w a DET ce ae w! i ia | pore wy | [or - x wT aT HI —— poo ranged ‘Onner[depts ‘owoers Appr rapprar| ang FoweersfAnaraeS Ha08 [esol a} UU, aa “A ay aay Ay ag paw aay [aay aap. [set i ae cm aH [oat Nas |"s8 “esa . Aiea P a B33 [ae ie 5 S| shor ies S| a_i HE F308 or woe ar BESET O Wee so [sf Wie ae | te — — [a] = y ¥. Co TRE [eg tg Pal [CREO Fe Fag |r| RR ais 3 é 2 oT Tope oats ‘ny ay es ro 5 |i ax) an [ase [aa 0 Si 0 1a $1 sas 0 = cd a [rds Net -tra| “Ges[-orar1] 50 57 a sie “i $76 nee oh Heal Tm Ha Ailga 3 Tae gas rae $56 ee [eae ies est riots 160" Fa ios {toon {oR ae ae ak eB - a Baplavatne fr tueubors fount long whl che undeadsence uid bythe IUDs peterand be NUD axlocate 00eae ert CodAjaae Ores Ad) Rent Adjust Weigh SBSH $762 $250 10% S46 $mMS 20% Sit $147 30% S856 $176 25% 100% Arar OT.2AS6 s M9 Conclusion $805, Agpeal ‘The wegited average Is 5807 He average ts $895 and tha Hun yzes a sm te bescomp based us fowostgross adjustments 3277

“OD Appel 2502-0501fap, Unie tye —+ (Cinna Aare Sublect's PAA # DA7T1010 CompAr Tah pl 0 Cleveland Streak 315 N, Lowe Siroot Downginc, Cis Bowopiae, Coxe ners Ang5 Jowser | Appr be Au al A 1 Bs = 7 £ we || leforOnt ‘Graces aakars apprs TOTS Tena aa ka ay it so Overs ovine] appr aay wag) ne |e ES SO ss “Gamer Avera ae ware [apear#| HUDF [rao] ‘Owser$ Apiar$ vent] howard fOwnart| Appears] uns a {Bathe sagfs| paw an |My’ [es ma| aor| sar [Se a sy (ah a aa ¥ | w esa = i578 i aT 330 Hy Es = | I 7 z [| = I] —}I-&x Ifo TL ee ~ fo | ‘ime [Avr Jena user [Appr ODE ecu Owners rappers] aus owner 0h aah unaay vor aah [hay ag’ [ace pte nay ‘ail |Add Aa | sa fur S| 338 [UT |e wi] 338 PP eater zk Bla Tt] Ter] sige 87 tr si] afar Ea Go| 738 Z ws com Rie] Tee BE i Popeys = i a 551 $89 ii : Ta URS ara tase ‘oar Rar}uaa one we Be $i 5188 ass aa Yes alkad |H—} ETS | S578. ee I~} ce Ce a a [Dae oa ie ie Vier ae tT] We adi89 pea ibe HUD wrfen thoachedRent © 1s eae ¢ ‘Aaly Ront sop SIM 25m SIS s asg ‘aml Squire Apa 5095 S900 H5% SIO amen Woals WT} IT te aT ‘Mills HO7E S18 0% SIG de Fennce W200 SS 0% IG too $655 Appeal the welghted werags 5 $655 du average18 $655 ond he incon Is $673 le ss Concluslon $655, Aver 654.9359 Muu sas 3 “a

Rent Comparniitisy Orta Bale ype —> oneon Arrant) Subjects PLA # Balpoet Caapat G Tani AS, Ris Townlingaes] Tidlon WileAgee ilaeilion Syeare Apis Terrien Woods Parkside Terrace aCeSet SEEN LoweSteet 100 E, Mule Street "FOL. Real; beer Ad] Rew sot $565 $997 sar $566 40.5066 ross Adjust Weigle sun 25% 150 15% siz 5% sh se Stel 10% 00% $132 se9 126 sr soe sss % 02E Appeal. S comps re Conchasion45. age lke weighed averagei $544, lheuvernge 1s $547 and the medion1 $545, upon Bowaplee, Ci Bowaplac, Cass les, Dorctew jos Buchawan, Hereley ome § [Anz | a Gwar Panos] HUES Owser Apprer$ vee Agere aa [ad |avns a ky as a Aah sat Ad paso se Say eas 3a ii ae we sie epee, §Ad) PT forIDs ipprafew, BAGh 3 afarHUB ait Behe Fi Goer[appre Fas Apesr§ oor nusaslo da fas ay [ee ha Daa ‘ul da sis a wor - fi Ty F sa [sr [a0] {io 7 ‘owneré [angers]deca Onur [Arges] HOD rao [Siner [appears fewer 8) Appar] UOOS Iona, fousers] Arar s| Have [raul ‘sah [2a eoaac aa kd aa [ae] me baat “has | aay set} a pao {sal Tsu) aa teas t 7 —P— — = i = Tate wr |e & i w oF | see 35 as Ea ¥ | TTR = Ts Sy, |e at a_i bid ee ct = Hal C 305 | ai 38} “a5 [a0 —— Tevoar TE] sis} — an = e = | = N 7] ot —— w ~ ¥, = ‘Guar Anger ‘Oevers [Ayre 6] UTS [yn Onserg WEDS frag fone[Appears t008 lonech FOwase|aparord paw sar [aah jinuns na aah_| Taal a SF owe "a sd [est] paw [a faa aay |S Dpee |r sar ¥ ¥ x aa sar] sa |e sp] co eB © 7 H eo ir [0 TE cs ia] Ty wa| wife} a} I i ey fas] a si. 85) i | W z oe ¥9 ete a " nr n x = = = z |=|] i ‘onmer[Anais ‘Ova |Apenrs| ani [owner| sprees Onnars spacer ah hgh ag ag aa ‘ual “Au Ay aa] ca a 3 3 it aCe — Soe] [a Ea w_| Sle Wea Re eg]Ra Ta | 7 1 3 cer EH The $10 55 0 ware ron [ora rn |~trer a Beat poo a 2 be $516, ve ~ ro Tee ae | ee | Toone Tae tie 8a ew 7 7 shorefone sng wth ieee ed bybath sca ae

UTILITIES 51

Lines: 33 Heat; 34 Cooling; 35 Cooking; 36 Hot Water Utilities: MSHDA (Michigan State Housing Development Authority publishes a Utility Allowance chart for use in determining utility allowances for housing. * Valbridge Appraisers did not use the correct utility allowances as published. * Department of Housing and Urban Developmentdid not use the correct utility allowances as published. @ Qwner’s annea!utilizes the correct utility allowances. Please see the MSHDAUtility Schedule which indicates the monthly amount that a resident would pay when they are responsible for paying their utility bills for Heating, Cooking, and Hot Water. The rates differ depending on whichtype ofutilities utilized for these services.) The total monthly cost for this resident would be their monthly rental payment plus the amountofthis. monthly allowance based on the particular type of utility they must pay for heat, cooling, cooking, and hot water.

UTHITIES HEAT (Une 33) Allowable Service Fee per MSH.2A Allowable Service Fee per MSHDA COCKING (Line 35} HOT WATER (Line 36) 1 Bedroom 2 Bedroom 3 Bedroom HT Per MSHDA HUD WHT Per MSHDA HUD HT Per MSHDA HUD Utility Schedule Utility Schedule Utility Schedule Gas $ 20.00 $ 20.00 Gas $ 23.00 $ 38.00] |Gas $ 2700 $ 41.00 $ 13.00 $ 13.00 $ 13 00 Electric $ 30,00 Electric $ 42.00 Electric $ 53 00 $ 800 § 8.00 $ 800 $ 3.00 Flectric $ 7.00 $ 2.00 Electric $ 10.00 Electric $ 13.00 $ 3.00 Gas $ 5.00 $ 5.00 Gas $ 7.00 $ 9,00] |Gas $ 10.00 $ 12,00 Electric $ 1800 Electric $ 23,00 Electric $ 27.00 The HUD Appraisal did not apply the appropriate utllity allowances in the comparisions with other properties based on the typesof fuel usedat the various comps See Michigan State Housing Develoment Authority Utility Schedule - Region 3 Effective January 1, 2017 9?

Michigan State Housing Development Authority Utility Schedule - Region C Effective:jomuaty2,2017 Counties in Region; Allegan, Samy, Bay, Berten, Branch, Galnoun, Gass,Cénton, Eainn, Genesee, Gratiot, Hilstiste, Huron, lagham, toni, teghelia, Jackson, Katamgoon, Kent, Lapest, Lenawee, Mecosta, Midland, Montcalm, Muskegon, Newaygo, Qrearm, Onawm, Sayfnav, Si Joseph, Satitar, Shiawassee, Tuscola, Ven Burts Tr wea Standard DottyAllowance<= [Structure Type Apartment Attached includes: AgartnanuMavcenianiWaikUp Duplefewmbouse ‘Coin “BR| pBAZee ASR SBR) SARS) OBR TBR T2GR I SBR 4BR SBR) j-Oer BR 2BRSBR 4B SER. Heating ~Natural Gas Sy F920 -| S23} Sar S30 S33 $30 S35 ga set sda Se PL faa Soe gas saa saa (8 Heating ~ BoitieGas $33 Paar}sre $05 995 Jy Sea gid [eis [Sie Sios Siar ty sae Sei ses Sino Size S136, Heating~Electric Sa) $00 S32 soe Sea 75 | Sav Saat S58 s7i (gas Soe | ser sve ses sor [erie size Heating —Fae! Oi $4 [S56 366 [srs ses Soe] I sug sas] Sins $715 Si27 size Ff ges sro [sod Stor| $780 Stat [Canking~ Naturat Gas: 2 32 3 34 3S So tp Se x2 3 4 35 36 fe $2 $3 $f 8 36. Sooking— Bottle Ges $s {6 38 [Sit] st Sie {4 ss se se Sir ad) ge se fee tse} sa) sid sis [Gooking~ Electric $6_| Sr so sis se sie 61 sr oo sis sie sia Tse 7 [Ste sia sie sie Other Blectic. $21 $25 Sao S45 $55 Sea by S28 Sai Sas $55 Ser S73 fj soi S37 Sot Soe $a0 So5 Air Conditioning’ 31 st sy se tsi se Ss [ss pst ea [se [a bea) sa) $7 Rot Water~NaturalGas_ S¢ 35 $7 So [siz sie ss ise so sia sist sie ss Fee Te (3 (sis7 sia otWaterBottleGas St3 (SG set Soe Soe Tsai LY oe (sie Sar s6 saa [set Ft sie {sia [Sar sop Peas s51 HotWaterFtextrio ‘BiS_| Sie 325 Ser [saat sor SY Sie seo} seg Fan fan [sav|} sie sen oe [sas sto) Say iiotWater— Fuel Di Bia (Sta Soi sor $4 sao CY si6 Sie S26 saa] San sea] sis 318 ga5| soe Siz oso Water gis sty sze gaa sor Derr) ee (air (see gee) set arr pata swf aap bar san) or7. sewer $21_| S23 sae sez {sas Stag | sei sos sso [see (sas {eros | on) sea gaa ga2 fas S108 rash sy {sir Voy Psa tsi siz Lt sm [suv [sir stv jst iv sir sir sir iv siz stv “Service Charge: Natural Qas~foratt unit types adel $13 Electing—forell unittypes add $8 ™“2drConditioning ANowaniee: Onlyallowed ifWindows are notoperable. Tenant Furnished Appliance Allowance: Range ~ 33 Ifthetenant 1s responsible for supplying the ‘Refigemtor $5 tange andfor refrinerator, use the — allowances listed to the right. Yo weethis sthedule: Fill in the appropriate eteunt on the chertYoreach ulffty/enpliance thatyou are responsible to pay. NOTE: Saies tax is inctuded in the amounts listed above. tASHOA 1793a (KUtttes) Prevtowsversions eBsatela

REFINANCING PROCESS 65

Appendix G: Owner’s Package Owner’s Package includes the following: Cover Letter, plus Attachment 1: Overview of Mark-To-Market Process Attachment 2: Key Decision Points For Owners Attachment 3: Checklist of Owner’s Documentation Attachment 4: Financing Options and Sources Attachment 5: Financing Options Comparison Chart When sent to Owner, PAE should attach: Form 4.1 Data Release Authorization Letter Form 4.2 Related Parties Checklist Form 4.3. Loan History Statement Form 7.16 Certification of Mortgagor information Form OwnerCertification Form Subsidy Layering Certification IRS Form W-9 IRS Form W-9Instructions Owner’s Certification re: Accounts Payable (Form A er Form B) Rermancwe REQued IF RENTS FROM & po NoT SuPproeT ements ext camP STV MO RTCRGE Dy page !

Appendix G, Attachment 1: Brief Overview of the Full Debt Restructuring Process => Owner Notifies local HUD Office (under HUD Notice 99-36) of Option to Reducerents to market and to Restructure Debt. = Local HUD Office forwards the project to RECAP. => RECAP assignsthe project to the Participating Administrative Entity (PAE); PAE notifies Owner ofassignment. => Ifthe owner believesthat the PAE to which the project has been assigned has a conflict ofinterest, the owner must advise RECAP HQ in writing and copy the RECAP Regional Office. The Restructuring process must be completed within 12 monthsof the assignmentof the property to the PAE. => Ownerconfers with tax advisors and discusses restructuring with Limited Partners and other General Partners, if applicable. => Ownerdiscusses potential debt restructuring with existing Lender and other potential financing sources. => PAE schedules Kickoffmeetmg and forwards information package to owner. => Owner submits the requested information to the PAE. (See Attachment C) — PAE and ownernotify tenants and otherinterested parties and hold first tenant meeting = PAEobtains Physical Condition Assessment (PCA) and Limited Scope Appraisal. Any ownerdata and tenant comments provided to preparers ofthese 3™party reports => Ownerapplies for take-out financing. => Draft Restructuring Plan prepared by PAE. Ongoingdiscussions with owner and Lender. PAE conclusions on rents, repairs and reserves, supplied to owner. => Second tenant meeting held to discuss Diaft Restructuring Plan = PAE submits Draft Restructuring Plan to RECAP page 2 51

=> RECAPapproves Restructuring Plan; RECAPissues Restructuring Commitment => Ownerexecutes Restructuring Commitment. => RECAPissucs Firm Commitmentfor financing under Section 223(a)(7); or owner submits financing commitmentfram altemate Lender. — Closing documents prepared and distributed. => Closing scheduled and completed. page 3

Appendix G, Attachment2: Key Decision Points for Owners ¢ Consultation Process. You should begin planning and consulting appropriate parties as soon as possible after requesting a debt restructuring. Limited Partners are key decision makers whose involvement and approvalis crucial to the success of the Restructuring Plan. You should also start secking appropriate financing as early as possible in the process if new or modificd debt is anticipated. # Working with the PAE. In general, RECAP expects that PAEs will contact owners early in the restructuring process and will engage in an ongoing dialogue regarding the property andits debt restructuring. The PAE will send you a copy of the PAE’s appraisal and PCA (Physical Condition Assessment) not later than 30 days after the PAE receives the final appraisal report and PCA. Atthe time the PAE presents you with the draft Restructuring Plan (or a term sheet for discussion that would form the basis of the Restructuring Plan), the PAE will also provide additional information that is reasonably sufficient to allow you to understand the basis for the PAR’s conclusions. Such information will include, at a mmimum: e The PAE’s analysis supporting its market rent conclusions, ¢ The PAE’s analysis supporting its conclusions on physical condition, reserve needs, any critical repairs and/or any repait/rehabilitation escrow. * Appropriate pagcs fromthe optional underwriting model, or equivalent, showing the PAR’s recommended restructuring. * Tncentives for Cooperation and Timely Performance. It is important to remember that the restructuring process must be completed within 12 months of the assignmentofthe property to the PAE. If the owner cooperates with the PAE, enabling timely completion ofthe full restructuring process, and the closing ofthe transaction, the following new incentives will be made available: « A waiver of the FHA Application Fee of $3 per thousand of the loan amount for loans insured under Section 223(a){7). « A waiver of the FHA Review Fee of $.50 per thousand of the original loan amount for properties that require a Transfer of Physical Assets (TPA) due to ownership changes or ownership resttucturing. « An increase in the percentage oftransaction casts that can be included in the mortgage fram 50% to 80% page 4

« Anincrease in the amountof the Initial Deposit to the Replacement Reserves that can be inchidedin the mortgage from 80% to 100% « A monthly Capital Recovery Payment (CRP) (included in underwriting as an expense) providing equal monthly principal and interest payments for a term of 7 to 10 years ai an interest rate of up to 350 basis points over like-term Treasuries. The CRP is intended to provide a reasonable return for any newcapital investment in the project. The CRP would be paid monthly after project expenses, replacementreserves and debt service payments on the first mortgage. Unpaid amounts could accrue. = An Incentive Performance Fee (IPF) of up to 3% of Effective Gross Income. Theability to pay the IPF 1s determined by the audited financial statement and would be paid annually after the paymentof al! approved expenses, replacement reserves, debt service payments on the first mortgage and Capital Recovery Payments. This Fee would haveaninitial floor of $100 a unit and a ceiling of $200 a unit and would depend on the owner’s successful managementof the financial and physical assets of the project. Unpaid amounts would not accrue. # Review and Appeal Provisions. The owner can review the approved Restructuring after its receipt from the PAE and then appeal the Restructuring Plan to RECAP. If RECAP rejects the appeal, the owner must respond promptly to RECAP’s letter turmng down any appeal. Specific time requirements will be contained in the applicable correspondence. @ Potential Consequences for Non-Cooperation and Untimely performance. Ifthe ownerrejects the approved final debt restructuring plan (after completion of any appeals) or fails to respond to the PAE’s requests for information, assistance and/or acceptance of the Restructunng Plan, the following consequences mayresult: « Loss of someorall of the Incentiveslisted above. e Reduction of rents to market without restructuring ofthe debt. e Placement of the project on the FHA “Watch List” for close monitoring, HUD staff will carefully watch over these projects, which are potentially troubled as a result of rent reductions without debt restructuring page 5 &?

Appendix G, Attachment3: Checklist of Owner’s Documentation Date Sent Items Listed Below Mustbe Delivered to CreditVest by 2/22/2017 Lender Data Authorization Letter (Form4 is attached with M2M. Fonus) Checklist of Related Party Agreements (Form 4.2 is attached with M2M Forms) Loan History Statement (Fonn4 3 1s attached with M2M Forms) Past 3 Years Audited Financial Statements Current Rent Roll with tenant addresslisting Owner Certification (Form :s attached with M2M Forms) ' Completelisting ofall Partners to Borrowing Entity, Contact Name, and Address Subsidy Layering Certification (Form ts attached with M2M Forms) Htems Listed Below Must be Delivered to CreditVest by 3/17/2017 Owner’s Certification re: Accounts Payable — (Instructions included with M2M Forms) If the property 1s 1n a positive Surplus Cash position, complete Form A. Otherwise, complete Form B, and prepare the required attachments describedtherein Form 4.10 - PAE to Owner Transmitting Ownership Certification Requirements — (The Torm 4.10 & anstructionswill be sent priorto the kickoff conferencecall) Please includeall applicable ownership documents: » Partnership Agreement = Certificate of Limited Partnership + Currenttermination date of the Partnership and consents needed to extend + Consents needed to effectuate debt restrncturing transaction = Articles OF i 2 Bylaws * Trust Documents = Any other documents necessary to show the current ownershrp structure and interests in the property. Regulatory Agreement PreliminaryTitle Report — To assist m reviewing the ownership structure, please obtain and. submit a preliminary title report. A final Title Policy will be required at closing Existing Notes and Mortgages, and Bond Documents(if applicable) — Provide copies of existing notes and mortgages and any modification to them If the property 1s currently bond financed. bond documents are needed as scon as possible. These items wouldinclude,but are not limited fo, mdcnture, resolutions, indenture lock agreement \ InsurancePolicies — Provide copyof the proyect’s currentfire and hazard, personalinjury, | flood and any other msurancepolicies. and the most recent prenmum invoice l page 6

Items Listed Below Must be Delivered to CreditVest by 3/17/2017 Evaluation of Physical Condition -Thestatute requires that the owner evaluate the physical condition ofthe property. Please indicate whether you intend to | + Obtain your own evaluation (please contact the PAL for information onthe various components), or + Adopt, after review, the PAE’s conclusions on repairs and reserve needs based on the Physical Condition Assessmentperformed by a third party contractorof the PAE. (Form4 7 must be submitted upon receipt of the PCA if you choosethis option.) List of Recent Major Repairs and Replacements -- Thislist is optional, but is strongly recommended since 1 may reducethe estimate of long term physical needs and the resulting deposits to the Replacement Reserve Please indicate numberandtype of appliances replaced, roofor boiler replacements, date replaced, etc. (*Please also share such documentation with the PAE’s engineer.) Subordinate Project Debt — Full documentat:on ofexisting subordinate debt1s required whether secured or unsecured by the property. Existing Use Agreement, Use Restriction, Deed Restriction or Equivalent - These items will need to be subordinated to the M2M Use Agreementat closing (*Mayalso be picked up m the Tule Report ) Supplemental Information Project rent and expense analysis (a current year budget) Ownership Entity Resume ~ key principals Management Agreement Management Company Resume HUD Management Certification | Ownership Entity Income Tax Retums from the past year Service Contracts Commercial leases (1f) applicable) Utiltty bills (please providethe mostrecent bills fram each meter) Property tax (please provide the mostrecent bill from each parcel) Ovwmer's MarketStudy or Rent Comparability Study (ifapplicable) Current BAPContract- Part ¥ and Part IT HUD REACInspection reports — most recent and corresponding response |Lender's Inspection most recent and corresponding response Form7 16 — Certification ofMorgagorinformation (attached with M2M Forms) LIRS Form W9(attached with M2M Forms, please provide 2originals} , Accounts Payable - Current accounts payable aging analysis Current cash accountbalances forail property accounts __ ; 4 {CurrentIoan serncmg statementv/bal | ***Please note that the owner may be asked to submit additional information by the PAE as a result of the underwriting process. page 7 uh

Appendix G, Attachment4: Financing Options and Sources Full debt restructuring can be achieved by modifying the current HUD insured mortgage or by replacing it with new debt from a variety ofpublic and private sources. The terms and conditions connected with different financing alternatives will vary. Each project is unique and some M2M projects may not meet the eligibihty critena for all financing sources and programs. Owners should shop early for the best available financing for their project All 1“ mortgage financing mustbe subordinated to the M2M Use Agreement. The restractured debt wil be underwritten to a level that can be serviced by the property’s reduced income once the rents are marked down All or a portion of any claim payment made to reduce the debt will be included in a 2™and sometimes a 3" mortgage held by HUD (2™and 3 mortgages will not require newfinancing sources). The following addresses alternate sources for fust mortgage financing and provides some suggestions on how to obtain additional information A Chart comparing and summarizing basic loan features and requirementsis also attached. A. FHA - General 1, There are a variety of FHA insured loan programs available for debt restructuring. They range from modifying the onginal mortgageto originating a new FHAinsuredloan on the property. The owner should identify a FHA-Approved Multifamily Lenderinterested in providing the financing early in the restructuring process. Thetiming of the insured loan application and processing should coincide with RECAP’s approval of the proposed Restructuring Plan and issuance ofthe Restructunng Commitment. i) Approach the current lender as well as other lenders when considering new msured financing. Lists of FHA-Approved Multifamily Lenders active in processing applications under these insured loan programs on HUD’s Multifamily Products Web site at bttp://www.hud.gov/fha/mfh/fhamie/fy99mie/ Note: a PAE which 1s also a HUD- Approved multifamily lender may also provide takeout financing (subject to RECAP Teview). 3. Generally any post restructuring financing that is FHA insured cannot exceed the current unpaid principal balance (UPB) prior to restructuring. Descriptions of the various FHA msured financing options, including additional terms, conditions and limitations, follow in AttachmentE, B. FHA - Mortgage Modification. 1. The first option to be considered 1s modification of the existing insured mortgage. A mortgage modification requires the agreement of the current lender (and investors if applicable), so it may not be an option for many restructurings. If viable, however, it is worth pursuing asit is usually less costly than obtaining new financing, hw Loans currently FHA insured: a) may be modified with the approval of the existing FHA-insured mortgagee page 8 us

Cc. b) may include adjustment of interest rate up or down and reamortization within the existing loan term c) will not generate cash procecds for reliab or transaction costs Loans currently HUD-held: ve a) may be modified on PAE recommendation b) will have accrued interest added to the principal balance. ¢) mayinclude adjustmentofinterest rate up or down and reamortization d) will be processed directly between HUD andthe PAE. with approval by RECAP. FHA Insured Mortgage under Section 223 (a)(7). Applications for mortgage insurance under Section 223(a)(7) will receive an expedited review by the PAE with approval by RECAP. The expedited review is possible because RECAP has delegated authority to issue commitments and because such commitments involve only refinances of existing insured loans. 1. HUD-heid mortgages and projects requiring substantial rehabilitation cannot be refinanced through a Section 223(a}(7) loan. 2. A restructuring that includes a transfer of ownership requires submission of a request for a Transfer of Physical Assets (TPA) in addition to the 223(a){7) insured loan application . Other FHA Mortgage Insurance. New FHA insured financing may also he provided under Sections 223(f) and 221(d)(4). Applications underthese Sections of the National Housing Act must be submitted by a HUD Approved Multifamily Accelerated Processing (MAP) Lender and will be processed and approved by Housing staff (not RECAP) in the local ITUD Offices. The PAE will need to coordmate closely with the local [TUD office processing the application. i. Section 223(f). Available for acquisition or refinance of properties requiring repairs or moderate (butnot substantial) rehabilitation. Has a maximum mortgage term of 35 years. 2. Section 221(d)(4). Available for refinance or acquisition of properties requiring substantial rehabilitation. Has a maximum mortgage term of 40 years. 3. HUD Risk Sharing under 542(b) or (c). FHA insured financing may also be provided by a state or local Housing Finance Agency or through Fannie Mae, Freddie Mac and the Federal Home Loan Bank of Seattle under Risk Sharing prograrns betweenthose entitics and HUD. RECAPwill issue approvalletters for risk sharing loans taken out under these programs. However, if the PAEis also providing this financing they will be subject to further review by RECAP. . State and Local Government Financing Programs. There are manydifferent financing progiams availablelocally that support affordable housing preservation. They are funded bya variety of HUD, State and Local Government entities The features and requirements of these programs vary greatly. The demand for the assistance paged

provided generally excceds the supply of funds. There is no guarantee that any given property will qualify for or be able to obtain suchassistance. The best place to seek information on local government supported programsis at the local governmentlevel. The local ITUD Office and State and local Housing Finance Agencies are an excellent source of information on local and state programs. The financing and any financial or use restrictions accompanying the financing would need to support the approved Restructuring Plan. Fannie Mae and Freddie Mac. Both of these entities provide financing for multifamily properties through a network of Approved Lenders. Their financing need not be limited to the remaining UPB pnor to restructuring. Each has separate underwriting standards and loan terms and each has complete control of the loan processing and approval process. The amount oftheir new commitment would be limited to the maximum newloan amount approved as a part of the Restructuring Plan. 1. Information on Fannie Mae’s loan programs and approved Lenders can be obtained at their web site: http://www.fanniemae.com/multifamily. 2 Freddie Mac’s information is available at: http:/Avww.freddiemac.com/multifamily 3. There is no guarantee that any given property will meet the loan standards of either Lender. . Other Private Sector Lenders/Conventional Financing. There are a numberofprivate sector lenders that may be able to provide financing to support the Restructuring Plan. Someare local branches of large national banks with community development financing goals and some are local institutions, which strongly support affordable housing financing. The Community Reinvestment Act encourages regulated financial institutions to meetthe credit needs of the communities, which they serve. Potential sources of information onactive local private J enders include: 1. Local and State Housing Finance Agencies, 2. Local Community Development focused non-profit organizations. 3. The Mortgage Bankers Association of America and the various State Mortgage Bankers Associations. The national organization is located in Washington, IC and can be accessedat http-//Awww.mbaa.org. 4. There are a numberofprivately run websites that provide a wide range of financing services and information. The public sector officials mentioned above may be able to provide you with information aboutsuchrelevant web sites. If conventional financing is proposed, the owner should obtain a “Conditional Letter of Intent” from the lender as evidence of a loan commitmentfor the new first mortgage piece of the Restructuring Plan page 10 65

M2M Program Operanng Procedures Guide Appendix G, Attachment5: Comparisonof different first mortgage financing options under M2M RECAP Full Processing (all icrms must be consistent with Restructuring Cummitment) modification of —|FHA 223(a)(7) FHA 223(f) FHA 224(d}(4) JHA Risk Sharing |conventional loriginal mortgage financing Lender Ino change in FHA approved MF |FHA approved MF [FHA approved MF [HPA RSlender ag required by requirements lender Mortgagee Mortgagee Mortgagee |mortgagee |Eligibitity may be currently must be currently may be currently may be currently —jmay be currently may be currently insured orHUD- |yntsured (no HUD- insured orHUD-held jinsured grHUD- _finsured orHUD-held [insured orHUD-~ held held} held held Relationship of [Capped at UPB [Capped at UPB pnor {Capped at UPB prior {Capped at LPB [Capped at UPB prior _|may exceed UPB new first to UPB [priorto to restructurng,(NTE|to restruetunng, prior to to restructunng,(NTE |(NTE amountin and Restructuring ffrestructuring, amount 1m (NTE amount in restructuring, (NTE [amount in Restrocturing (Commitment (NTE amountin Restructunrg Restructuring amount in Restructuring Commutment) Restructuring Commitment) Commitment) Restructuring Commitment) ‘Commutment) Commutment) Maximum Joan remaining term of|remaning term of |lesser of 35 years or |lesser of 40 years or|RS program Render term original loan onginalloan+ 12 [75% ofremaining 175% of remamnmng requirements requirements years, NTE onginal juseful life usefullife lirmtt (eg, 35max if was 2231) Ino Ino no yes yes yes Underwriting’ |[processed hy processed by nrocessed by processed by HFA processed, processed by processing IRECAP/PAE |RECAP/PAE. based |Tousing staff, Housing staff, RECAP/PAE lender subject to requirements based oncurrent |on current FHA policy|subject to program [subject to program |appraval (MOU their Hrnats FHApolicy guidance modified by |lumus hts provisions), subject to guidance modified |MOUprovisions program hmits and by MOU HFA RSstandards inrovisions Regulatory original remams mRA under which st |New FHA/Section § |New FHA/Section |New HFARS RA [none “| Agreement place, wih M2M_ (wasouginally insured,[RA with M2M IRA with M2M required by new jfmodificaions with M2M modifications modifications first mortgage modifications financing Processing ofTPA |[RECAP/PAE RECAP/PAE Ino TPA submission [no TPA submission|no TPA submission [no TPA Gf applicable) processes TPA processes TPA required required requited submission required Primary role in RECAP/PAE RECAP/PALattorey [RECAP/PAE RECAP/PAE RFCAPIPAEattorney [RECAP/PAE Closings attomey leads —_teads atiomey coordinates [attorney ecordinates with HFAlattomey with HUD Housing {coordinates with {Counsel coordinates with counsel HUD Housing conventional counsel ender counsel LL ‘January 200) page G-I1

L.S. DEPARTMENT OF HOUSING AND LRBAN DEVELOPMENT WASHINGTON DC 20415 (000 OFFICE OF CONGRESSIONAL AND. INTERGON ERNMENTAL REE LIONS. The Honorable Fied Upton Member, United States House of Representative 720 Main Street Saint Joseph, MI 49085-1317 DearRepresentative Upton: Thank your letter on behalf ot your constituent. Ms. Susan Doroh,about the Superior “soperty Management’s Indian Hills Townhouse property at 400 Cleveland Street in Dowagiac. Michigan (Indian Hills). The tollow mginformation 1s from the Department of Housing and Urban Development's (HUD)Office of Housing. The Multifamily Assisted Housing Reform and Affordability Act of 1997 (MAHRA) (42 U.S C 1437f note) authorized the Mark to Market program, which was designedto preserve low-incometental housing affordability while reducing the long-term costs of federal rental assistance, The projects participating in the program are ones with (1) HUD-insured or HUD-held mortgages. and (2) contracts for project-based rental assistance from HUD,primarily through the Section 8 program, whichthe average rents for assisted units exceedthe rent of comparable properties To disburse funding in an equitable manner andto protect the taxpayer. HUD 1s required by 42 U.S.C. 1437to evaluatethe rentlevels for properties that qualify under these parameters when they are renewing their Section 8 contract. HUD is statutorily obligated under MAHRAtoreducethese rents to marketlevel if they are above the market rate Occasionally there 1s a dispute, as 1s the case here, between the owner and HUDas to what “marketrate” rents should be. Indian Hills 1s a Section 8 participant with an FHA-insured mortgage Wuth their Section 8 contract slated to expue, the property's rent levels were reviewed by HUD's Detrort Field Office. who determined that the HAP contract rents were above market. Subsequently, the Detroit Field Office referred Indian Hulls to the Office of Recapitalization (Recap) under the Mark to Market program Recap then assigned Indian Hills to a HUD Participating Administrative Entity (PAE). which was charged with marking contract rents to marketrate levels. and modeling the impactof the reduced rents on project economics This process included the analysis of both the owner- sponsored Rent Comparability Study (RCS). as well as a November 4, 2016 third-party appraisal (Appraisal) commissioned by HUD’s PAE On December8. 2016. PAE conducted an on-site field review of the property and all comparable properties used in the Owner’s RCS and HUD's www. hud.gov espanol.hud.goy

Appuaisal as part of PAE’s review of both appraisals. Recap reviewed PAE conclusions and made upward adjustments to the PAE-concludedrents. The following table shows the various tent conclusions: [yee ‘act RC. Apprai PAE Recap* Unit Type Rent Rent ea Rent Rent 1-BR S682 $665 S495 $525 $545 2-BR 8789 S795 S600 $640 $655 3-BR $889 S870 S715 L S785 $805 *Post Appeal Utilizing the concluded market-rate rents, an operating pro forma wasprepared based on the Indian Hill's historical operating expense data. The operating pro forma indicated that the property would nothave sufficient net operating income to service the property's existing debt. Underthe Mark to Market program, the Owner1s enutled to appeal Recap’s conclusion Superior Property Management made such an appeal and, upon consideration of the facts. HUD provided a point-by-pomt response to Superior’s contentions HUD determined. on appeal. that a modest increase (included in the above chart) would be granted fromthe original Recap rent conclusion, Superror Property Managementthen sought to engage m a further appeal of these fmdings. as they believed that these rent fevels are still insufficient to cover the existing debt service anthe property While HUD agrees with that contention regarding the property’s cash flow, no further appeal1s allowed Superior Property Managementelected to proceed as a “lite” transaction (rents reduced to market with no debt restructuring) The Ow ner’s election 1s important because, pursuant to regulations promulgated under MAHRA.only appeals offull debt restructurings are eligible for the second level of appeal being requested by this Owner. there are no second level of appeals for “lite” transactions Going forward.there are two aptions available to Superior Property Management under the MAHRA. and HUDregulations |) the property may forge ahead with as desire to perform a “lite” restructuring under Matk to Marketat the market rents as determined by Recap. or 2) the property can elect to proceed under a full Mark to Market debt restructurmg Under Option 1. the Owner would be tequned to renew its Section 8 contract as a "Watch List” contract, which inctudes additional monitormg to provide measures to safeguard the solvency of the property, as Recap has determinedthatthis property would notbe financially viable at the Recap determined matket rents. This additional monitormg 1s designed to limitthe risk to the FHA insurance fund andprotect taxpayer dollars. HUD does not recommendthis option. Under Option 2, Superior Property Managementcould resubrautfor a full debt restructuring. Ifthis option were chosen, HUD would approve a short-term extension ofthe Section 8 contract at its current rents for as long as the full restructuring was under review At completion, this option would allow the property to remain financtally\1able after the rents are marked down to Recap vevermined market rents and would also preserve the propertyas affordable housing. Additionally.

the full restructuring may fund immediate and critical 1epairs along with an enhancementto the property’s replacement reserves to meet future capital needs. Notethat the full debt restructuring would changethe terms of the FHA loan to reduce the amountof debt service. HUDwould encourage Superior Property Managementto resubmit for a full debt restructuring under Mark to Market so that the revenues from Indian Hills can meetits debt obligations afterits rents are marked down to Recap determined market rents. To date, hundreds of properties in the State of Michigan have usedthe full debt restructuring process available under Mark to Marketto preserve affordable housing. HUD hopes Superior Property Management will choose to do so as well. If Ms. Dorch has any further questions. regarding this matter. she may contact Ms. Minnie Monroe-Baldwin, Branch Chief. Office of Recapitalization at 202-402-2636 or by emailat: Minnte.X.MonroeBaldwin@hud gov. Ehope this information 1s helpful in responding to your constituent. [f I can be of further assistance, please let me know. Sincerely. ; 4 J L PYCe Aaron Santa Anna Acting General Deputy Assistant Secretary For Congressional and Intergovernmental Relations

Privacy Act Authorization name ofaeener._ HUD - Financial Operations Center To Whom it May Concern: I (b)6) |, have sought assistance from Congressman Kevin Cramer (ND-00) ona matter that may require the release of information maintamed by your agency and which you may be prohibited from disserninating under the Privacy Act of 1974. thereby authorize youto releaseall relevant portions of my recordsor to discuss problemsinvolved in this case with Congressman Kevin Crameror any authorized memberofhis staff until this matteris resolved ~ E}6) Name; | sCiDatte: 6 L254 eye) Mailing Address: OG YO) Kb){6) City: State: Zip Code: eye) Primary Telephone Number. eye) Email Address; v v Date of Birti | Social Security Numbe Kb){6) Relevant Claim Numberif Applicable: (Veteran Claim, FEMA Registration,Loan or Account Number, ete.) « < ra Signature: (b)(6) be Please return this signed form to: Congressman Kevin Cramer 4200 JamesRayDr., Office 600 Grand Forks, ND 38202 Please include a detailed history of the issue and copiesofall related correspondence. Thankyou.

g 5 126129733, DEPARTMENTOFTHE TREASURY BUREAU OF THE FISCAL SERVICE P.O. BOX 1686 BIRMINGHAM,AL 35201-1686 THIS IS NOT A BILL PLEASE RETAIN FOR YOUR RECORDS 03/22/16 Kb){6) As authorized by federal law, we appliedall or part ofyour federal payment to a debt you owe. The government agency (or agencies) collecting your debtis listed below. HUD Financial Operations Center TIN Num:$02-72-069400 FINANCIAL OPERATIONS CENTER, TOP Trace 6129733 52 CORPORATE CIRCLE Acct Num: ALBANY NY 12203 AmountThis Creditor: $293.59 Creditor: 07 Site: 02 800-669-5152 {800)669-5152 PURPOSE:Non-Tax Federal Debt The agency haspreviously sent notice to you atthe last address known ta the agency. That notice explained the amountand type of debt you owe,the rights available to you, and that the agency intended to collect the debt by intercepting any federal payments madeto you,including tax refunds. If you believe your payment was reducedin error or if you bave questions about this debt, you must contact the agency at the address and telephone number shown above. The U.S. Departmentof the Treasury's Bureau ofthe Fiscal Service cannotresolve issues regarding debts with other agencies. We will forward the money taken from your federal payment to the agency tobe applied to your debt balance; however, the agency may not receive the funds for several weeksafter the payment date. If you intend to contact the agency, please havethis notice available. U. S. Departmentof the Treasury Bureau ofthe Fiscal Service (800) 304-3107 TELECOMMUNICATIONSDEVICE FOR THE DEAF (TDD) (866) 297-0517 PAYMENT SUMMARY PAYEE NAME; B PAYMENT BEFORE REDUCTION:. $293.59 PAYMENTDATE:03/22/16 TOTAL AMOUNT OF THIS REDUCTION: $293.59 PAYMENT TYPE: CHECK PAYING FEDERAL AGENCY:internal RevenueService SPLIT REFUND CODE: (See Insert on Tax Refund Offsets for Additional Information) FOROPFICIAL USE ONLY 0600000603 12612973327905426000077535641 ALTR-POI ANOOIOS7 1p ae RLIOIGI4

Ko){6) Hrs tory ze HUD LT solda hovse back around 19% @ Stapley Greens iin Mesa. Arizona through a realtor ¢ bought a townhouse with rhe Some realtor (I believe her name was Mary Green wr Kedsty Execupves) $F think s/t was American T#/e Company, I was expecting thet aff matters of business were taMenoare of hy the realtor, /0 # WS, later HUD contacted me about owe ing them money around£t00) on the Stepley Greens house. T tried thecH to reprieve records from the realtor € #:4fe compony, but no ane Kept recoree that far back, I explained that tp HUD ¥ thounht we badthe issue resovee uti] 2007 when Z was on Uper oyment ¢ thy tookmy stimulus Check ¥ have taken all tex retonds ot federa!money owedme Since, T have tried for years fo Contact Hop w/ the nomblr quien ro me by the Dept of Teasery ¢ coup) Stote ment showing how much Z owe on howmuch TZfaye vid, Tt finally Contactec/ a Akemor Osepa and tofd Aap “ Z atarte, a final bil sent to me so £ cousePOY tt ofPanda vor forther charges which SO studshe wolfesend. Ker # A> Kb){6) -Tre talked wth her 7WIE Since Q gonth ancl she keens teling me shes sending it 70 Pay PO 80x but Z pever get st, ag0 FEN) “LOVEAL,74

MENTO. a "oemave ASSISTANT SECRETARYFOR CONGRESSIONAL, AND INTERGOVERNMENTAL RFI ATIONS: o cs U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON,DC 20410-1000 oY 139, ‘eur oust ‘a AUG 3 1 2016 The Honorable Kevin Cramer Member,United States House of Representatives 4200 James Ray Drive, Office 600 Grand Forks, ND 58202-6090 Dear Representative Cramer: Thank youfor your letter on behalf of your constituent, Mr.[é abouthis Department of Housing and Urban Development (HUD)claim number Thefollowing information is from HUD’s Office of Housing. The Department’s recordsreflect that Pod. and Catherin D. Hess signed a Subordinate Note dated April 4, 2000, wherein they agreed to pay HUD $4,599.60. The terms of the Note did not require monthly payments, but the full amount borrowed became due whentheir Federal Housing Administration (FHA)-insured first mortgage waspaid in full in September 2000. However, HUDdid not receive payment and the debt became delinquent. Delinquent FHA Partual Claim debts are serviced by the Department’s Financial Operations Center (FOC), which is located in Albany, New York. Despite the FOC’s collection efforts, the debt remains delinquentwith a current balance due of $6,303.80, as of July 31, 2016. In accordance with Mr. request,a letter explaining how hecould pay off the debt was mailed to him at PO Box 4547, Williston, North Dakota 58802 on August 18, 2016. A copyofthe letter wasalso emailed to Mr. at: jayleigh2][email protected]. . If Mr. has any additional questions, he may contact Mr. [&_] Dillon, the Director of the FOC’s Asset Recovery Division at 1-800-669-5152, extension 2819. Thope this informationts helpful 1m responding to your constituent. If I can be of further assistance, please let me know. Sincerely, Enka L Moritsugu Assistant Secretary for Congressional and Intergovernmental Relations www.hud.goy espanol.bud.gov

RECEIVED By Toray Executive Secretariat at8 42am 2917 Congress of the United States Whshngten, DE 20510 June 7, 2017 The Honorable Ben Carson Secretary U.S. Depaitment of Housing and Urban Development 451 7th Street SW Washington, D.C. 20410 DearSecretary Carson: Weare writing to strongly urge an expeditious review and approvalof the regulatory waiver submitted by the City of Grand Fotks, North Dakota, for “LaGrave on First,” a permanent supportive housing project to serve the chronically homeless population. This housing first project is profoundly needed to assist homelessindividual and families in northeastern North Dakota, including nearby tribal communitics. This 42-unit project is being developed by Grand Forks Homeswith the full cooperation and support of the city and Grand Forks Housing Authority. Through the diligent and tireless work of these groups,all necessary financing for the project — nearly $9 million — is in place. Using Low Income Housing Tax Credits (LIHTC), the Departinent of Housing and Urban Development’s (HUD) Housing Trust Fund, HOME,the Section 8 Housing Choice Voucher program, and the Federal Home Loan Bank’s Affordable Housing Program, as well as grants from the Bremer Trust and the Turtle Mountain Band of Chippewa, LaGrave onFirst will have no debt to service when it opensits doors. This projectis truly an example of a community coming together aud using a creative and diveise patchwork offunding to serve its chronically homeless population, Ilowever, due to a procedural misstep in the environmental review process resulting from staff turnoverlast December, someofthe project's Community Development Block Grant (CDBG) funds were drawn downpriorto obtaining final environmental clearance. Asa tesult, the HUD Region 8 environmental office issued a Statutory and Regulatory Violation Notice on March30, 2017, informing the city that the draw-down ofCDBG funds violated 24 CFR 58.22 and Section 104(g) ofthe Housing and Community Development Act of 1974. Forthe project to move forward, the city was requited to submit a regulatory waiver, which included an Environmentat Assessment and a 30-day comment period.In the interim,all activity on the project has been halted pending action on the waiver, which was submitted to the Region8 office on June 5. LaGraveonFirst has received very favorable construction bids, however, their deadline to award a construction contract underthe current bid terms is July 24, after whichpoint they could lose their favorable bids, jeopardizing the LIHTC funding being provided by US Bank and other funding sources and pushing construction back anotheryear due to the short building seasonin

North Dakota,In light of all ts, we ask that HUD’s Office of Community Planning and Development work with the Region8 office to get this waiver approved expeditiously. Thank youfor yourattention to this important matter, and we look forward to your prompt reply. Sincerely, . e ° pln veoon)Moi Meck Cham HEIDI HEITKAMP KEVIN CRAMER JOHN HOEVEN US. Senator US. Senator US. Congressman

U.S. DEPARTMENT OF HOLSING 4ND URBAN DEVELOPMENT WASHINGTON DC 20410 1000 OFFICE OF CONGRESSIONAL AND. INTERGOVERNMENTAL RELATIONS, The Honorable Kevin Cramer U S. House of Representatives Washmegton. DC 20515 Dear Representative Cramer. On behalf of Secretary Benjamin S, Carson. $1., thank you for yourletter regarding the City of Grand Forks’ request for a waiver of 24 CFR Part 58.22(a) for the proposed LaGrave on First project. The following information 1s from the Department of Housing and Urban Development's (HUD) Office of Community Planning and Development (CPD) The Department understands that this project 15 funded by severalofits programs, inciuding the HOMEInvestment Partnership program. Housing Trust Fund (HTF). and the Section 8 Housing Choice Voucher program. HUD’s Field Environmental Officer in Region & determined that the City of Grand Forks violated the Department's environmental review requirements by acquiring property using Community Development Block Grant fundsin December 2016, prior to completing an environmental review. Because ofthis violation, HUD cannot release any funds for this project until a warver of 24 CFR Part 58 22(a), “Limitations on activities pending clearance.” has been approved. The Department's DenverField Office recerved the City of Grand Forks’ waiver request on June 5, 2017. HUD Headquarters received the completed package fromthe field office on June 12. 2017. The Department1s giving full consideration of the City of Grand Forks’ request consistent with HUD’s regulations and the departmental procedwes for waiver approval. The Office of Environment and Energy (OEE)and the Office of General Counsel (OGC)are currently reviewing the waiver request. OEE and OGC’s comments will be provided to CPD’s General Deputy Assistant Secietary The General Deputy Assistant Secretary has the discretion to approve the waiverif there 1s good cause and if no unmingated adverse envuonmental impacts will result. Thank you for your interest in the Department’s program. Please let me know ifI can be of further assistance Sincerely, kk Pi Aaron Santa Anna Acting General Deputy Assistant Secretary for Congressional and Intergoy ernmental Relations wwwhud.gor espanol.hud.gov

Congress of the Cited States WMiaghington, DE 20510 June 7, 2017 The Honorable Ben Carson Secretary U.S. Department of Housing and Urban Development 451 7th Suect SW Washington, D.C. 20410 Dear Secretary Carson: Weare writing to strongly urge an expeditious review and approval ofthe regulatory waiver submitted by the City of Grand Forks, North Dakota, for “LaGrave on First,” a permanent supportive housing project to serve the chronically homeless population. This housing first project is profoundly neededto assist homeless individual and families in northeastern North Dakota, including nearby tribal communities. This 42-unit project is being developed by Grand Forks Homeswith the full cooperation and supportof the city and Grand Forks Housing Authority. Throughthe diligent and tireless work of these groups,all necessary financing for the project — nearly $9 million — is in place. Using Low Income Housing Tax Credits (LIHTC), the Department of Housing and Urban Development’s (HUD) Housing Trust Fund, HOME,the Section 8 Housing Choice Voucher program, and the Federal Home Loan Bank’s Affordable Housing Program,as well as grants from the Bremer Trust and the Turtle Mountain Band of Chippewa, LaGtave on First will have no debt ¢o service whenit opensits doors. This projectis truly an example of a community coming together and using a creative and diverse patchwork of funding to seive its chronically homeless population, Tlowever, due to a procedural misstep in the environmental review process resulting from staff turnoverlast December, some ofthe project’s Community Development Block Grant (CDBG) funds were drawn downpriorto obtaining final environmental clearance. As a result, the HUD Region 8 environmental office issued a Statutory and Regulatory Violation Notice on March 30, 2017, informing the city that the draw-down ofCDBG funds violated 24 CFR $8.22 and Section 104(g) ofthe Housing and Community Development Act of 1974, Forthe project to move forward, the city was required to submit a regulatory waiver, which included an Environmental Assessment and a 30-day comment period.In the interim,all activity on the project has been. halted pending action on the waiver, which was submitted to the Region 8 office on June 5. LaGraveonFirst has received very favorable construction bids, however, their deadline to award a construction contract underthe current bid terms is July 24, after which point they could lose their favorable bids, jeopardizing the LIHTC funding being provided by US Bank and other funding sources and pushing constiuction back another year due to the short building seasonin

North Dakota. Inlight ofall this, we ask that HUD’s Office of Community Planning and Development work with the Region 8 office to get this waiver approved expeditiously. Thank youfor your attention to this important matter, and we look forward to your promptreply. Sincerely, | ° ahi a Org” HEIDI HEITKAMP KEVIN CRAMER JOHN HOEVEN U.S, Senator US.Senator U.S. Congressman

AEN, hy tlnllin Q | at U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT % | ; WASHINGTON,DC 20410-1000 of Penne OFFICE OF CONGRESSIONAL AND. INTERGOVERNMENTAL RELATIONS APR 17 2013 The Honorable Louis J. Barletta Member, United States HouseofRepresentatives 106 Arch Street Sunbury, PA 17801 Dear Representative Barletta: Thank youfor your letter of February 13, 2013,regarding the request of your constituent, Mr. Ronald Miller, for information pertaining to the Shamokin Housing Authority. This type ofrequest is considered to be a Freedom ofInformation Act (FOIA) request. Mr. Miller’s request is presently being processed by the FOIA Branch in the order in which it was received among other FOIA requests. The Departmentwill exercise due care in complying with statutory and regulatory guidance in this regard. Thank youfor your interestin the Department’s programs. Please let me know if I can be of further assistance. Sincerely, oN ey, ag adpe x a“ ° L Elliot M. Mincberg General Deputy Assistant Secretary for Congressional and Intergovernmental Relations www.hud.gov espanol.hud.gov

Feb. (3. 2013 10,57AM LOU BARLETTA 11m Digrmecr, PeamiSYLVANIA, yo TRANSPORTATION AND ie INFRASTRUCTURE COMMITTEE + 4ye EDLICATION AND THE WORKFORCE . . COMMITTEE Congress of the United States HOMELAND SECURITY COMMITTEE Bouse of Representatives ‘Washington, BE 20515-38N Febmary 13, 2013 Ms.Adria Crutchfield Us Department OfHousing And Urban Development 451 Seventh St. Sw, Room 10148 Washington, DC 20410-0001 Dear Ms. Crutchfield; No 2110 P. 2 WASHINGTON, BC OFACE: 145 Carmen House OFFICE Busco ‘Wasvanaran, DC 2081 (202) 726-6514 rents 4055)241-5104 Toit-FREE 4202)226-8280 Fax HAZLETON,PA OFFICE 1 South Gounen Srmeer, STE 108 HagLETON, PA 18201 (870) 751-0080 PHONE (870) 751-0054 Fax ‘BUNBURY, pA OFACE 108 Antn Stmaet SuNsuhy, PA 17901 (670) 685-7801 Prone (570) 868-7806 Fax Cancrae, PA 17013 (777 249-0190 Prowe, 1717) 218-0190 Fax HARSIIQURG, PA OFFE, 4813 JONESTOW AaAD, SUTE 101 ‘HARRISBURG, PA 17108 (797) 698-7002 PONE (717) 698-4794 Fax, The enclosed information concerning my.constituent, Mr. Ronald A. Miller, is submitted for your consideration. Mr. Miller has requested myassistance regarding the access to information pertaining to the Shamokin Housing Authority. I would greatly appreciate your assistance in investigating this matter and informing me ofyour findings and ofany action you are able to take on behalfofMr. Miller. Thank you very much for your attention to this matter. Please respond to meat the Sunbury Office; 106 Arch Street, Sunbury, PA 17801, (570) 988-7801. Sincerely yours, a Boteth Lou Barletta Member ofCongress LB'VK

‘ Feb. 13, 2013 10.57AM No 2119 P. 3 Congressman Lou Barletta Eleventh Dnstricl, Pennsylvania Vincent J. Kundrik IT ‘ Constituent Services/Field Representative 106 Arch St. Tele (570) 988-7801 Suabury, PA 17801 Fax: (670) 988-7808 ‘[email protected] CONGRESSIONAL CASEWORK AUTHORIZATION FORM nammr) Mrs. / Ms. / Miss Fea ahh daM Address: Cl ee) TENG —_ | City, State, ZIP Code: (eee Kb){6) Email: [ Td Telephone: Home: fone) work: ([O — Social Security Number: ee ___ | Date of Birth:|' ws Passport/Alien Number(ifthis iy an immigration vase); ‘ = Claim,Fiteor Case NumbertCc) Filing Date:Cc] Federal Agency involved in your case: j Which otheroffices have you contacted? | requesttheassistance ofCongressman Lou Barletta and his staff in the following federal matter: (Pleaseprovide 8 brief explanation of your problem and attach copies ofany relevant document. oO paper if necessary.) slg he, Their wade Ws KeTous “TS ee. Yb > % In accordance with the Privacy Actof 1974, I hereby authorize Congressman Lou Barletta and his staff to make the n ry inquiry on my behalf regarding the problem described above. ! give my . consent for niformagton concerning me and this problem to be furnished to Congressman Lou Date: Ge, 8

Feb 13. 2013 10;57AM / No. 2110 P. 4 RAYMOND G. SPLANE HOUSING AUTHORITY RONALD A. MILLER Chai Se PAMALA$. RHOADES OF THE naana ir a jomas Vice Chairperson CITY OF SHAMOKIN Elderly Highrise JAMES PICARELLI Member 1 EAST INDEPENDENCE STREET Raspberry Hill ROBERTJ. WOLFE SHAMOKIN,PA 17872 Family Housing Member SUZANNE XOPITSKY Phone: 570-644.0431 Spruce Steet Townhouses Member Fax: 570-644-9193 Harrison Street Townhouses E-Mail: [email protected] February 12, 2013 Congressman Lou Barletta Northumberland County 106 Arch Street Sunbury, PA 17801 Congressman Barletta: Enclosed please find two issues Shamokin Housing Authority has been unable to get responses to. 1. Freedom of Information Act Request regarding a comparison of Housing Authorities in the Philadelphia HUD Office by occupancy, tenants accounts receivable, and inspection scores. 2. Response to an on site inspection and a report issued without full review of supplied project information andlimited review ofoverall construction project. Any help you can offer in resolving these issues will be appreciated. onald A. Miller Executive Director RAM/sp Enclosures

ee ne Feb. 13. 2013 10:58AM No. 210 P. § RAYMOND G.SPLANE HOUSING AUTHORITY RONALD A. MILLER seeneens OF THE secsOre ezCnipein CITY OF SHAMOKIN Elderly Highrise Member 1 EAST INDEPENDENCE STREET Raspberry Hill ROBERT J.WOLFE SHAMOKIN,PA 17872 Family Housing Manber Phone: 570-644-0431 Spruce Street Townhouses SUZANNE KOPITSKY Pax: 570-644-9193 Harrison Steet Towmhouses E-Mail: [email protected] September 14, 2012 Oennis G. Bellingtier, Director Office of Public Housing U.S. Department of Housing & Urban Development The Wanamaker Building 100 Penn Square East Philadelphia, PA 19107 Dear Mr, Beilingtier, The Housing Authority of the City of Shamokin Is submitting correspondence with supporting documentation regarding a Site/Program Review conducted May 22-24, 2012 (copies enclosed). Please note, the review addresses “IImited inspections of units” and as a result of one cracked tile and four loose tiles that are tenant related. This will be addressed in two separate responses listed below: 41. Limited inspection of units — The Housing Authority enclosed a sample of inspections as conducted by the Design Professional two-hours dally, the Executive Director morning and aftemoonsite visit, and Housing Authority maintenance as needed. The complete inspection file was presented to the HUD staff and dismissed as not necessary to review and irrelevant to the purpose oftheir visit. Also enclosed for your reviews are samptes of administrative reviews conducted regarding wage compliance, contract violations and suspension of work required due to lack of compliance. . Remedial corrections: The Housing Authority is demanding a revisit to the site and complete review ofall information regarding thefindingslisted as limited inspections. Determinations documented by the Authority as to repairs required by contract up to and including total floor removal where warranted by the construction documents are available for review. A letter

— —— Feb. 13. 2613 10:58AM No. 2110 ? 6 2 of retraction is in order on the determinations issued in error and accompanying apology to the Design Professional, administration and maintenance personnelof the Authority, Thank youfor your consideration on this issue and| will await your response. If you have any questions ragarding this matter, please contact me at your convenience, Ronald A. Miller Executive Director RAM/sp Enclosures cc: Debra Torres

aon —— Feb. 13, 2013 10:58AM RAYMOND G. SPLANE HOUSING AUTHORITY No. 2110 P, 7 RONALDA. MILLER Executive Director SON PAMALAS. RHOADES OF THE Harold E. Thomas MeeCapen CITY OF SHAMOKIN ElderlyMihi Member 1 EAST INDEPENDENCE STREET Raspberry Hill ROBERT J WOLFE SHAMOKIN,PA 17872 Family Housing Mem! one: $70-644-04 Spruce Street Townhouses SUZANNE KOPITSKY ome soeSI93 Harrison Street Townhouses E-Mail: [email protected] September20, 2012 Mr. John M. Concannon Department of Housing & Urban Development Office of Public Housing The WanamakerBuilding 100 Penn Square East Philadelphia, PA 19107-3380 Dear Mr. Concannon: Shamokin Housing Authority takes exception to your report dated August 2, 2012 sighting limited inspections on Raspberry Hill flooring contract. Documentation to tefute this has been submitted to the Fieid Office in Philadelphia on September 14, 2012 and to the Regional Director Office of Field Operations in Ohio. in order to respond to these issues | am submitting documentation on Findings #3, #4 and #5 due to the fact they were the easiest te research & submit. Findings #1, #2, and #8 should be submitted by the end of this month. If you have questions, please contact me at your convenience. ‘onald A, Miller Executive Director RAM/sp Enclosures cc: Debra Torres

Feb. 13. 2013 10:58AM No. 2110 PF 8 Finding #3 The Security contract asinitiated was considered a micro purchase due to the fact thatit was between Security Contract negotiations with the City of Shamokin. Anew Security Contract was executed with the City of Shamokin/Shamokin Police Department on July 12, 2042. (copy enclosed) The interim security individuals are no longer being used. Finding #4 All of the Issues raised in finding #4 were included in thefile In its entirety. (Copies included) - Advertisement in focal newspaper - Complete RFP Packet - Architect's Qualification Statement, Resume, Registered Architect's License, PA Department of General Service Minority Business Enterprise Certificate - HUD Form 51915 ~ Agreement Between Ownerand Design Professional - RUD Form 5369C — Certifications and Representations of Offerars + Ingurance Finding #5 The Housing has researched with procurementtraining (copy enclosed) and has also reviewed Federa! Procurement Guidelines and was informed and confirmed that The Authority may require attendance at pre-bid conferences. The Authority also understandsit cannot be doneto fimit competition orrestrict bidders. The Authority has determined due to the complexity of the Furnace Installation and related relocation from 3"floor storage area to basement area regarding 6 types of units with multiple bedrooms and duct work, the only reasonable avenue wasto have bidders review the scope of work as advertised. In order to present fair and detailed information The Authority would notify tenants, have architect and engineers present, along with administration & maintenance staff to praesent the required work to bidders. The Authority has considered the words “should”, “could” and “may” regarding Federal Procurement Guldelines on mandatory pre bid attendance. If wording were stated as "must", “will", or “shall”, then these provisions would have been adhered to. Shamokin Housing Authority has determined we have not violated any regulations and have acted in the bestinterest of the Authority.

tlt” “ ASSISTANT SECREEARY FOR CONGRESSION YL ANDIN TT RGOV ERNMENT AL RELATIONS US. DEPARTMENT OF HOLSING 4ND URBAN DEVELOPMENT WASHINGTON DC 20410 1000 The Honorable Louis J. Barletta Member, United States JUN 25 2013 House of Representatives 106 Arch Street Sunbury. PA 17801 Dear Representative Barletta: Thank youfor your February 13, 2013 Ictter on behalf of your constituent Ronald Millet. who1s the Executive Director of the Shamokin Housing Authority (SHA). Mr Miller wrote to you regarding two issues on whichhe believes that HUDhas been unresponsive The following information1s {rom HUD"s Office ot the Executive Secretariat. Thefirst temin Mr. Miller's letter seeks agency data underthe Freedomof Information Act (FOIA)on other housing authorities. HUD respondedto his FOUA request under separate cover letter dated May 20. 2013, providing available data that 1s 1esponsive fo his request to the extent permissible by law The seconditemrelates to a review report letter that HUD’s Office of Public Housing sent to the SHAregarding the administration of 45 American Recovery and Reinvestment Act (ARRA) grant. This report, dated July 31, 2012. was sent as a result of an on-site review which was conducted at the SHA on May 22-24, 2012 The report containeda recommendationrelating to tle work which was done at the Raspberry Hill development as part of the ARRA grant. Mr Muler sent HUD’S office a Jetter on September 14, 2012. responding to the recommendation contained in the ARRAreviewletter. His response demandeda retractionofthe recommendation meluded in HUD's July 31, 2012 letter as well ay an apology to the SHAfor including this recommendation in HUD’s fetter, He also demanded that we revisit the site and review all informationrelated to the report HUD’ staff discussed the SHA’s September 14, 2012 letter wuh Mr. Muller in a telephone call subsequentto its recespt ofthe letter and, thetefore, they believed that this matter was adequately addressed. However, since Mr Miller still appears to be unclear about the recommendauon in HUD’s ARRAletter, a formal and detailed response to his September 14, 2012 letter was recently sent to him. A copy of HUD"s responseletter dated May 3, 2013 15 enclosed. As indicated 1n this letler, no response to the tecommendation was required since It was only advisory in nature. As 1eflected in the letter, HUDofficials do not believe there 15 an adequate basis for withdlawing the reconunendationor apologizing for it. since the recommendation was based on problems with the tiles that were observed by HUD staff while at the Raspberry Hull development [f the SHA does not believe that any uction needs to be taken in responseto the wwhud.gor espanol.hud.gos

recommendation, then it does not need to take any further action on this issue. As for HUD's staff returning to the Raspberry Hill development, the HUD report indicated that “no significant issues were found pertaimmg to the ARRA”grant, Therefore. HUD doesnotbelieve thatit would be a good use of taxpayer funds to re-review a program for which no findings were issued and which was generally well run. Please note that durmg the on-site visit on May 22-14, 2012, HUD’s office conductedthe ARRAreview teferenced above, a limited procurement review and a reviewof the most recent Exigent Health and Safety (EH&S) violations cited by HUD’ Real Estate Inspection Center (REAC). To date the SHA has never responded to the EH&S review. The SHA did provide one response to the procurementreview. but whenits response was foundto be deficient. the SHA refused to provide additional formation as requested in a letter dated December 31, 2012 The SHAfinally submitted a cursory response on April 17, 2013 to the procurementreview after our Office of General Counsel sent a letter dated Apul 16, 2013 to the legal counsel for the SHA regarding 1ts lack of cooperation with HUD A copy of our April 19, 2013 letter 15 enclosed It is the goal of the Department's Philadelphia Office of Public Housing to conductreviews ina fair and obyectrye manner HUD"soffice remains committed to working with Mr Miller ina professional mannerto resolve the issue related to this review Thope this information1s helpful in respondingto your constituent. Please let me knowif I canbe offurther assistance. Sincerely, Elliot M. Mincherg ole Acting Assistant Secretary for’Congressional and Intergovernmental Relations Enclosures

onethroy, Sh US. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT % = WASHINGTON, DC 20410-1000 mene OFFICE OF CONGRESSIONAL AND INTERGOVERNMENTALRELATIONS. APR 17 2013 The Honorable LouisJ. Barletta Member, United States House ofRepresentatives 106 Arch Street Sunbury, PA 17801 Dear Representative Barletta: Thank you for your letter ofFebruary 13, 2013, regarding the request of your constituent, Mr. Ronald Miller, for information pertaining to the Shamokin Housing Authority. This type of request is considered to be a Freedom ofInformation Act (FOIA) request. Mr. Miller’s request is presently being processed by the FOLA Branchin the order in which it was received among other FOLA requests. The Department will exercise due care in complying with statutory and regulatory guidance in this regard. Thank you for your interest in the Department's programs. Please let me knowif I can be of further assistance. Sincerely, ao Po. flee eeEO! wert Zep Elliot M. Min General Deputy Assistant Secretary for Congressional and Intergovernmental Relations www.bud.gov espanol.hud.gov

U.S. Departmentof Housing and Urban Development Office of the Regional Counsel Philadelphia Office The Wanamaker Building 100 Penn Square East Philadelphia, Pennsylvania 19107-3380 Frank W Ganigan, Esq Garson & Tai gonski 112 East Independence Street Shamokin, PA 17872 Re: Housing Authorityofthe City of Shamokin Dear Mr. Garigan: This 1esponds to your letie: of Maich 28, 2013, in which, on behalf of yout chent the Housing Authouity of the City of Shamokin. you (1) 1equested copies of policies relating to the 2012 Pei formance Review,and (2) claimed that your chent did not have an exit conference The issues that you raise in youletter were previously addressed in communication fiom Dennis Bellingtier, HUD Public Housing Field Office Director to M1 Ronald Millei, Executive Director of the Housing Authouity of the City of Shamokin As was explained to your client, HUD field offices conduct 1eviews to monitor any piogiain in 1eceipt of federal funds to ensure compliance with applicable program regulations For your information, regulations :elating to peifoimance reviews are codified at 24 C FR. Part 902 (Public Housing Assessment System); regulations applicable to procurement are codified at 24 C.F.R Part 85 The Depaitment has also issued a Procurement Handbook for Public and Indian Housing 7460 8 The Regulations and the Handbook aie available on HUD’s webpage. Contialy tO the statements made by your chent, an exit conference was held in the afternoon of Thuisday, May 24, 2012, at the Authonity’s executive offices and attended by Ronald Muller, Executive Duector, Judith Axlei, HUD Division Director, John Concannon, HUD Poitfolio Management Specialist, and Debra Gardner, HUD General Engineer, www.hud gov espanol.hud.gov

AS was further explained to Mr. Miller, the exit confeience 1s au informal process by which the review team goes over the findings of the review with the authority and provides the authouity an Opportunity to respond Lo the findings and provide additional documentation for any identified deficiencies Please be advised that your chent has not responded to HUD's Exigent Health and Satety Review Report dated October 31, 2012 Moreover, as set forth in HUD's letter of Decembe: 31, 2012, you chent has also failed to addiess five outstanding findings fiam the Pioctnement Review Copies of the October 31, 2012, and December 3), 2012,letters ave enclosed foi your jeference If your client disagrees with any conclusrons made duting the Review, or disputes any of the outstanding findings, please provide the documentation supporting your chent's position together within any 1eguiatory authority upon which your client ts telying The information will be reviewed by the HUD programoffice and if necessary, the Oftice of the Regional Counsel If appropiate, the disputed finding wil] be modified o1 withd:awn accordingly. Please be further advised that if your client does not respond to the Exigent Health and Safety Review and doesnotaddress the five outstanding findings from the Procurement Review within 10 business days of the date of this letter, HUD will pursue appropnate administrative remedies and sanctions provided under Past 85 and other appheable regulations These remedies and sanctions may include, but are nol limited to, establishing threshold reviews for LOCCS draws, disallowmg the use of federal funds for the questioned acuvity, wholly or partly suspending o) terminating 4 cuusent awaid, and such other remedies as may be provided by law Should you have any further questions conceining this matter, please contact Dennis Bellingue:, Duector of Public Housing. Mr. Bellinguei can be reached by phone at 215-861- 7596 o1 by email al Dennis Bellingtie: @hud gov

a "en pee JS eT 6 putekg si. J. ein Development = h uaelp uz Reg ouel Cafice Tre \enen é er Bu ding 106 721 See Saat wutade ta. Ferss,lvena 19167-2380 Mr Ronald A Laer uacutive Di. -tor Saan.o.in Housmy. thy ay Rely (72 LE Incepesc..ce Steet wets Shamoki, PA 17372 Dear Mu Mier This is m e-spous2 ty you lites 6 Soagrssua. vue . pecunc, dad February 12, 2013, 12 whic. 2 coriyle.eu br (ou. GC anv. cc e &@. Sponss Ww you September 14, “012 ue. Wouroire. Yulr Se, . Wer , TUL wsCa. os & Le mmenwation tuat was incluays in thy letter v sem thy Acta, cas. a. 32. Qu12 -vgaiclg the ecminisiation of your /1aencan Reo aysRom Sr hone eA, ak Tewarieadst.on relates to tle wo.k that wes cote 11¢ goou.. sib] Co 2 ope es 2 eCT tie ALAgrant, We csctostu 9 leek ou Te, yak uncle sne ca.. subsequent to ou. reer tothe Lt. en-t..eor,escresl. ob. 2 mrtthy waver wes adeately adcress.c. 1.0W Val, alco JOL SL. Bye WO oa f abGl ue 1.vommraisndét.on in our Auscas Veat oe. A WL octa8 peek LCi opORSe lo Ul Se vember 14, 2017 leuc. Li you. leser, ,o1 er matowroil . clin re 2+ otent cus invitationrelated to tre uw. contrat att. . Feosberm Bllce ¢ cue whi ¢ we we. ons i. and quest remedial SUITECIONS 10 OUS Lovley) Clu IB Ee sl vw So ee, Oe et low OF ver 16. 0mmndation Vou lewer LitIndes vu nes v_ tie doi. smaic. vlaea ou. v2 von act cor the Raspberry wall devvlopuent LGLie a vGvaIt ction to v1 starf while we wore Sit. bLie Ve “Cot Yo évsto letg. hat you did omer the droct...cmt fie for ie nl, come, use evi oF. Loy -uvbs iL vo dd not review th- fil becaus of tm. cons, cris Siu as wut.» ats of the til. auring o.r May 2012 visit, nC Watan, acioms yo ina, 1a.cl. 2 1G tw this uti, We ao note thet th. cocumen.at.un whoo on. ase pve Soptee ba 2a, be w.. shows thet ou urdertook 1 gs. OVe.s BAL OY... Your Litter z.so CSE UBSI Gee = Ce luSucluded in our review yepo. as W.lasana log Udy Abid, iota Li igi. scl. ura 2 10... oul Leiter As var. of the AXRA Visit, Oli 2. 2€ voneLeie. VO 1S O acvee VILA AUtarity’s unts While we vere “1 the Rasa. 2M, Sun. SIocis . Sutall, mK. sic. tu. we visit Hen uuits in order to se. pivbius ¥ tn asthe tkug at voirstlecwa he 4. RA fines Our & ey a0 AePE We de BOY

office did not plan m advance to visit these units, and the tile contract was not one that we selected to review during the procurement review part of our on-site visit. However, because the tenants requested that we visit their units, we entered their units, observed the flooring that they showed us, and listened to their complamts The problems observed weie discussed with you on-site, and you indicated to us that there had been problems with the orginal tile installation, and that the contractor had to come back on-site to fix the problems. The tenants also indicated to us that the tile had needed to be fixed after the original installation, but that the problems reappeaied later. The recommendationincluded in our July 31, 2012 letter documented what we had observed in the units. We cannot withdiaw comments that we made based on physical evidence that we observed while we were in the untts We do not agree with your description that the deficiencies we observed were only “one ciacked tile and four loose tiles” However, please note that no finding was issued against the Authority’s ARRA program. While actions were recommended, no action wasrequired to be taken by the Authority provided the Authonty 1eassessed the condition ofthe floo: tiles and determmed that no further action 1s necessary. We also note that no response was required to be provided to our office Therefore, we do not beheve that an apology or retraction of our recommendation is warranted as the recommendation was merely advisory based on what we observed inthe units. Finally, your letter demands “a revisit to the site and complete review ofall information regarding the findingslisted as lmted inspections.” We note again that no findings were issued against your ARRA program as a result of our walk-throughs of the units. In fact, our report indicated that we were “pleased to report that no significant issues were found pertamingto the ARRA”grant Therefore, we also do not believe that it would be a good use of taxpayer funds to re-review a progtam for which no findmgs were issued and which our office felt was generally well run If you have any further questions or concems, please contact me at (215) 861-7596 or by e-mail at dennis bellingtier@hud_.gov. ely, Dennis G. Bellingtie: Director Office of Public Housing ce: Congressman Louis J. Barletta

US. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON, DC 20410 3000 MAY 2 0 2013 “sem ours” OFFICE OF HHT CHIFT HUMAN CAPITALOFFICER Mr. Ronald Miller Executive Director Housing Authonty of the City of Shamkin 1 E IndependenceStreet Shamokin, PA 17872 RE: Freedomof Information Act Request FOIA Control No. 12-FI-1Q-01721 Dear Mr. Miller. Thisletter 1s n response to your Freedom of Information Act (FOIA)request dated May15, 2012,to the Department of Housing and Urban Development Yourequestedthe following: (1) The occupancy, tenant’s accounts receivable, and inspection scores from all Housing Authorities in the Philadelphia State Office yursdiction of HUD (2) Ina letter from Congressman Lou Barletta dated February 12, 2013, on your behalf, you also requested a response to an on-site inspection, a report issued withoutfull review of the supplied project formation, and limited review ofthe overall construction project Whenresponding to a FOIA request, HUD searches for responsive documents existing up to the date that the requestis received in the Department's FOIA Branch. Your request was receased on May15, 2012. Your request 1s granted 1n part at no cost to you. In response to item 1, enclosed 1s a copy of the information you have requested. In response to item 2, a search ofrecords by knowledgeable staff in the Department's Philadelphia Regional Office failed to locate any documents that would be responsive. I am theofficial responsible for this determination based on mformation provided by the Department's Office of Public and Indian Housmg and the Philadelphia Regional Office You may appeal this determination within 30 days fromthe date ofthis letter If you decide to appeal, your appeal should include coptesof your origina! request and this response, as well as a discussion of the reasons supporting your appeal The envclope should be plainly marked to indicate that 2t contains a FOIA appeal and be addressed to. www.hud.gov espanol.hud.gov

i) U S. Department of Housing and Urban Development Attenuon’ FOIA Appeals Office of Ethics and Personnel Law 451 7" Street, SW, Room 2130 Washington, DC 20410 Telephone’ (202) 708-3815 For your information, your FOIA request, including your identity and any information made available, is releasable to the public under subsequent FOIA requests In responding to these requests, the Department does not release personal privacy information, such as home address, telephone number, or Social Security number, all of which are protected from disclosure under FOIA Exemption6. It you need additional information, please contact My Eugensa Harts at (202) 402-5074 Thank youfor your interest m the aias plograms and ae) ‘le, JILL lores W. Cole Director for FOIA and Executive Correspondence Office of the Executive Secretariat ™ Enclosure

rs * ei ‘ US, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT L i : WASHINGTON,DC 20410 3000 “anon MAY 2 0 2013 OFFICE OF (HE CHIFF HUMAN CAPITAL OFFICER * Mr. Ronald Miller Executive Director Housing Authority of the City of Shamkin 1 E Independence Street Shamokin, PA 17872 RE: Freedomof Information Act Request FOIA Control No* 12-FI-HQ-01721 Dear Mr, Miller: Thisletter 1s ut response to your Freedom ofInformation Act (FOIA) request dated May15, 2012,to the Department of Housing and Urban Development You requestedthe following: (1) The occupancy, tenant’s accounts reccivable, and inspection scores from all Housing Authorities in the Philadelphia State Office jurisdiction of HUD (2) Ina letter from Congressman Lou Barletta dated February 12, 2013, on your behalf, you also requested a responseto an on-site inspection, a report issued without full review of the supplied project information, and Limited review ofthe overall constructionproject When responding to a FOIA request, HUDsearchesfor responsive documents existing up to the date that the request is received m the Department’s FOIA Branch. Your request was received on May15, 2012. Your request1s granted in part at no cost to you. In response to item 1, enclosed 3s a copy of the information you have requested. In responseto item 2, a search ofrecords by knowledgeable staff in the Department’s Philadelphia Regional Office failed to locate any documents that would be responsive. Lam theofficial responsible for this determination based on information providedby the Department's Office of Public and Indian Houstng and the Philadelphia Regional Office You may appealthis determination within 30 days fromthe date of this letter If you decide to appeal, your appeal should include copies of youroriginal request and this response, as well as 2 discussion ofthe reasons supporting your appeal The envelope should be plainly marked to indicate that 1t contains a FOJA appealand be addressed to: www.hud.gov espanolhud.gov

rm U S. Department of Housing and Urban Development Attention: FOIA Appeals Office of Ethics and Personnel Law 4517" Street, SW, Room 2130 Washington, DC 20410 Telephone: (202) 708-3815 For your information, your FOIA request, mcluding your identity and any information made available, 1s releasable to the public under subsequent FOIA requests In responding to these requests, the Department does not release personal privacy information, such as home address, telephone number, or Social Security number,all of which are protected fromdisclosure under FOIA Exemption 6. If you need additional information, please contact Ms. Eugenia Harris at (202) 402-5074 Thank youfor your interest tn the aias roeand my ULoea, ‘soerely dlores W. Cole Director for FOLA and Executive Correspondence Office of the Executive Secietariat Enclosure

ra Belowis a list ofthe dates of what I would call the "Hard Changes" to our Home Program Agreement that we have talked about. Theseare the times that we havebeensentto the homeownerswith new doesthat have had “final approval". In addition,there have been more of what I would call "soft changes" These are times when we havereceived an email, a phonecall or been told in a meeting of a changesin wording,a request for an addition to the agreement, or a changein criteria between these "Hard change”versions. | also wantto call attention to the dates. The original home agreement is September 5, 2013 for funds awarded for 2013. Bay Vista Home Program Agreement Date Revision Number September 5, 2013 Original | . cee ue October 23, 2013 Version #2 November13, 2013 . Version #3, Signed Capy #1 January 3, 2014 . . Version #4, SignedCopy #2 March 28, 2014 Version #5, Signed Copy #3 May 2014 Asking for new revision In addition to the moving target of the home agreements is the change in who weare allowed to work with. Our target families are 30-60% of the area median income. We have great success with this population. The criteria has now been changed for HUD funds through the local PJ to working with families at 51-80% of the area median income. This leaves a 9% window for our target population. Truly, this seemslike onerousrestrictions and a moving target of changes on HUD funding. | am concerned that we will be restricted from utilizing 2014 funds already awarded. We have already made obligations and spent maney. | also cannot imagine that we could 1n goodfaith apply for 2015 funds. Knowing that a $1 of public funding to Habitat1s leveraged 5 fold seemslike a huge waste.

we May, T2014 1-299M No. 6905 P. 2 LOU SARLETTA 107m Oistaicy, PENNeyLVANtA WASHINGTON, 0¢ OFFICE: VIG Cannon House Grrice Bunn Wasvinarow, OC 20815 {202} 225-8511 PHONE (B55) 241-St4d Toe Face TRANSPORTATION AND (202) 226-4260 Fax INFRASTRUCTURE COMMITTEE 5 CHalnNaNy s wAnETONPAQFREE MBCOMMITTER ON , 1 SouTH CHuncy Street Sure 100 Feovonssorevfumeuncer Congress of the United States (estoPA 1 (870) 761-0064 Fax EDUCATIONOMMITTESSe House of Representatives suneuny.eacmecs 106 ARCH STREET HOMELAND SECURITY COMMITTEE Washington, BE 20515-3811 Suneuny, PA 17001 (670) 988-7201 Prong 1670) 960-7005 Fax May14, 2014 59 Weer LauTwen Svacer Caruisie, PA 17013 (717) 249-4190 Prone (712) 216-0190 Fax HARISEURG, PA OFFICE: 4813 JonesTown Aco, Suite 101 Hanniseurc A 17108 To Whorn it May Concern: 1747) 528-2002 Prone (717) 695-8794 Fax The enclosed information concerning my constituent, Mr, is submitted for your consideration Mr [EYG)Thas reanested my assistance purchase he is trying to make at|°” koxe) Lagent leports to him thathis sale is bemg held up because tt needs HUD approval, I would greatly appreciate yourassistance in investigating this matter and informing me of yourfindings and ofany action you are able to take on behalfof Mr. Thank you very much for your attention to this matter. Please respond to meat the Hazleton Office: 1 South ChurchStreet, Suite 100, Hazleton, PA 18201, (570) 751-0050. Sincerely yours,o Sorbet Lou Barletta Memberof Congress LB/pr 13 39 13 2014-05-14 Eastern

No 6905 oF. 3 = 2014 1 30 LOUIS J. BARLETTA 11th District, Pennsylvania Hasrisburg District Olfice 4813 Jonestown Road Suite 101 Harrisburg, PA 17109 Tel; (717)-528-7002 Fax: (717)698-6794 Hazleton District Office 1§. Church St , Suite 100 MAZLETON,PA 19201 TEL: (570) 751-0050 FAX:(570) 751-0054 Sunbury District Office A Carlisle District Office 106 ArchStreet 59 W. LautherStreet Sunbury, PA 17801 UNITED STATES Cartisle, PA 17013 Fel'(570)988-7801 HOUSE OF REPRESENTATIVES ‘Tel:(717)249-0190 CONGRESSIONAL CASEWORK AUTHORIZATION FORM Name: Mr. / Mrs, / Ms. / Miss em Address: ae | oye) City, State, ZIP Code: Gal Email; F vy Telephones Home: [PC Work: Socinl Security Number: [© Date of Birth; [_ kex6) | ——— Passport/Alien Number(ifthis ts an hunigiationcase): Claim, Pile or Case Number: _—«di Filing Dato: Federal Agency involved in yourcase: [ | Which other offices have you contacted? T request the assistance of Congressman Lou Barletta and his staff in the following federal matter: (Please provide a brief explanation of your problem and attach capies of any relevant document, Use additional paperif necessary.) ASSiSTAALE wth Sripet Sace- 12 Tarwy bAn€ SEGAd LDAL Ce B24F eye) Account EMA # Kb)(6) In accordance wilh the Privacy Act of 1974, I hereby authorize Congiessiman Lou BaiJetia and his slaff to make the necessary inquiry on my behalf regarding the problem desciibed above. I give my consentfoi the information concerning me and this problemto he furnished to Congressman Lou Barletta and pi Date: 13 39 13 2014-05-14 Eastern

U.S. DEPARTMENT OF HOUSING AND E RBAN DEY ELOPMENT WASTING TON DC 20410 1000 ASATSEANT SECRET RY FUR CONGELSSION VI ASDINTE GONE RAMENT AL REE ATIONS, JUN 03 7014 The Honorable Louis J. Barletta Member. United States House of Representaty es 1 South Church Street, Suite 100 Hazleton, PA 18201-6200 Dear Representative Barletta Than ur letter of May 14, 2014, on behalfofyour constituent, Mr regardinghis offer on a short sale for the property located at [XC IS short sale ts also known asapre-foreclosure sale (PES). The following information15 from the Department ot Housing and Urban Development's (HUD) Offive ot Housing OMY While HUD ts sympathetic to the difficulties that Mr. Is eNpernencing, the Department cannot discuss information pertaining to the PFS transaction with Mr since he does not ownthe referenced property If the ownerofthe property is having concems with the PFS transaction, he or she may contact Ms, Heather Robeaux, Housing Program Specialist in HUD’s National Servicing Centerat the toll-free telephone number 1-866-449-1661, extension 8429 Mr may wishto contact one ot more of HUD-approved housing counseling agencies. These agencies usually provide service at little or no cost and may be able to provide assistance or tecommend other organizationsthat can be ofassistance. This option can be pursued online at hips wayhud poy ‘offices hyg‘sth hee/heeprot 4 elm, or by telephone at 1-800-569-4287 (weekdays from 9-00 AM to 5 00 PM) ] hope this information is helpful in responding 10 your constituent [fT can be offurther assistance. please let me know Sincerely, : Verv yay 2a 1 Dominque M. McCoy General Deputy Assistant Secretary for Congressional andIntergovermmental Relations wae hue.gov espanol.hud.gov

ccna a May. 15 2014 12 20PM No. 6924 P. 2 ¢ t { LOU 8ARLETTA Waah eTON ocoFRCE one 118 Cannon House Office Suncinc 11 Yr DISTRICT, PENTESYRYANIA, WAGHINGTON, DC 20515 I ‘ £202} 225-651) PHONE . TRANSPORTATION AND (858) 241-144 Tose-Fnen INFRASTRUCTURE COMMITTEE é (2071 228-8250Fax . Commu HAZLETON PA OFFS: Sc ecduerrree On , 1 Scytu Cx row Srneer, Sucve 100 t Econow ¢ DeveLorwent, Punt 2 BuiLcivas, C f a Ss HAZLETON PA Enerosicnacur ongress of the United States aTEA L 1 1670} 761-0054 Fax EDUCATION AND THE WORKFORCE Bouse of Rept esentatibes ' COMMITTEE f SUNBURY PA OFFICE, ‘ , . 108 AAcH Stacey HOMELAND SECURITY COMMITTEE Washington, BC 20515-38H Sureauny, PA 17601 ‘ ' (370) 948-7807 Prone : 1670) 988-7808 Fax : May 15, 2014 ‘ Y os CARLISLE, PAOFFICE ‘ 59 Wear Lourwan S1meer CARueLe PA 17019 2 (717) 249-0180 AH ove 4 (719) 218-0199 Fax . . HARAISEURG PAOFRCE ' To Whom It May Concern: 4013 JonesYaivn ROao,Su TE 101 HARRISBURG, PA 17109 (717) 525-7002 PHone. The enclosed information concerning my constituent, Joseph Boylan, is submitted for!Fax your consideration, Boylan has requested myassistance regardingsetting up a conference call with representatives from HUD regarding section 8 vouchers, I would greatly appreciate yourassistance in investigating this matter and informing me ofyourfindings and ofany action you are able to take on behalf of Boylan. Thank you very muchfor yourattention to this matter. Please respond to me at the Hazleton Office: 1 South Church Street, Suite 100, Hazleton, PA £8201, (570) 751-0050. ‘ Sincerely yours, - ! Soa TSorlete é Lou Barletta Memberof Congress LB/pr 12 30 20 2014-03-15 Eastern 4 i

8 May, 15. 2014 12: 212M No 6924 P ee 3 t LOUTS J, BARLETTA 11th District, Pennsylvania Hozletou Distt Office 1S. Church St, Suite 100 HAZLETON,PA 18201 TEL: (570) 751 0080 TAN: (570) 764-005¢ Fax: (712)695-6794 Sunbury Disirtc de . Cayliale District Office 106 Arch Sirect 39 W. LontherSiticet Sunbury, PA 17801 UNITED STATES Carliste, PA 17013 Tehs(70)948-7608 HOUSE OF REPRESENTATIVES Tel (7179249-0190 Aayvisbuy, Dlsivict OMeg 4913 Jonestown Road Sulte 10L Harrisburg, PA 17109 Toli (717) $25.7002 CONGRESSIONAL CASEWORK AUTHORIZATION FORM Name:@a) / Mrs. / Ms. / Miss loseph a. Boyian [Ashburn Advisors) } Addiess: [120 Franidin Avenue, Suite 200 _] City, State, 21P Cove: [Sttsnton, PA 42503 } Email: [ab@ashburnadvisors com ‘| Telephone: Hume: |) Works [570-371-9962 Social Secwity Number: Date of Birth: (OO) Passpmt/Alion Number (ifdus ts an imaugration case): Claim, File ov Case Number: I ~_}enng Date: [ ] Federal Agencyinvolvedin your case: Which otheroffices have yon contacted? T request the assistance of CongressmanLou Bartetta nndhis staff inthe fallawing federal matter: * (Plense provide a bnefexplanavan ofyour problem ond antach copies of any relevant docament ‘Use additional paper if necessary.) Qurfirm Is in need ofassistanceIn securing a canfarence call with an appragrlate HUD agent (PAINY or DC office)to cliscuss the following items: (1) The process to request Project Based Section & Vauchers and Certificates; and (2} The administration of the Project Based Section 8 Vouchers and Certificates. The call would include myself, our Director(Chris Cawtey), and our Diractor of GovernmentLending[© |Colarossi). We can make ourselves avaitable to fit HUO’s schedule. Please respondwith the available datas/times of HUD,or if you should require additional information Tn accordance with the Privacy Act of 1974, I hereby authorize Congressman Lou Bailetta oad his stalfto make the necessary Inquiry on my dehaltregacding the prablein described above. E give ay consentfor the informanon concerning mie andthis problemto be furnished co Congressman Lon Barletta and his stalf Signed: a) 05/14/2014 Onte: 12 30 20 2014-05-15 Eastern

“thi, ASSISTANT SECRETARY FOR CONGRL SION ANIUINTERGOSERAMEND AD REL STTONS US. DET wa TSENG Oibho SANG NL UR SBS eo PLOPSENG WASHINGTON Dt 20410-1000 ul JUN 13 2014 The Honercble I ouis J Barletta Member, United States House ot Representatives 1 South Church Street, Sung 100 Hazelton. PA 18201-0200 Dear Representative Barletta: Thank you tor your Leter or Mzy 15, 2u14. on behalfor Joseph boy lan. Mr Loy lau would like to set up a conference call with the appropriate stafffromthe Deparumerit of Housing and Urban Development (HUD) to following informationts from I Statin EEL D’s Philadel assist Mir. Boylan) Mr Boylan to arrange a suitable date and i discuss the Secuon & F oyect-fased Voucher (F3V) program The IUDs Offic of Public and Indian Housing Iphia Office of Public lousy would be the appropriaty statto my contact Dennis Bellingtier, Director Gttice oY Public Housing. me to ciscuss the PY program Mir Bellingticr can be ieached at the tollowiny address and telephone number: | hope this information assistance, please let me know, Depaumentof Housing and Urban Development Philadelphia Regional Orfics Th Wanamaket Building 100 b enn S*uare fast Phila vlpnia. P/. 19107-3320 215-561-7550 is helpful ia responding to your constituent. I} can be furthei Sincerely. A J ay | on wy Dominique Mo VieCos General Deputy Assistant secretary lor Congressional andIntergovemmental Relations ww wand, Ov evpanokhud.xov

SO Jul, 2 2014 11:36AM LOU BARLETTA 11 rie BURTANCT, PENMEYLVANLA, TRANSPORTATION AND INFRASTRUCTURE COMMITTEE EDUCATION ANDTHE WORKFORCE COMMITTEE HOMELAND SECURITY COMMITTEE July 2, 2014 Congress of the Gnited States House of Representatives Waehneton, BE 20515-38ll Ms.Adria Crutchfield Us Department Of Housing And Urban Development 451 Seventh St. Sw, Room 10148 Washington, DC 20410-0001 Dear Ms. Crutchfield: No 4238 =P. 2 VIASHINGTON, 86 OFFICE 116 Cannon House Ormce Sunoina Waswinovon, DC 20515 (202) 125-4614 PNONE A256) 261-5144 Tou Fee, (282)226-8260 Fax HAZLETON fa OFFICE + SOUTH Cuuace Sater, Surre 100 Uanretan PAINT 1870) 751-0080 PHone 1870} 751-084 Fax SUNEURY, PAOFTICE 108 Ancu dtaget Suneury, PA 13601 1870} 998-7201 Prone, (870) 98-7808 Pax canans eA OFnCe 89 Wear Lowman Smect Canusue, PA $7013 £717) 249-9190 Prone (717) 218-0190 Fan NARRISBURG. 7A OFFICE: 4813 Jonestaws Raa, Suite 101 MARREBURG, PA 17108 4247) 525-7002 Prone: (711) 695-9784 Fax The enclosed information concerning my constituent, Mr. Ronald A. Miller, is submitted for your consideration. Mr. Miller has requested my assistance regarding a review conducted at the Shamokin Housing Authority in Shamokin, PA. Mr. Miller is the Executive Director and is requesting a copy of the review. He bas been denied a copy. I would greatly appreciate your assistance in investigating this matter and informing me of your findings and of‘ any action you are ableto take on behalfofMr. Miller. Thank you very much for your attention to this matter. Please respond to meat the ‘Sunbury Office: 106 Arch Street, Sunbury, PA 17801, (570) 988-7801. Sincerely yours, i Porte Lou Barletta Member of Congress LB/pr 11 45 21 2014-07-02 Eastern

’ No 4238. 3 . vol, 2 2014 11 37AM rs LOUIS. BARLETTA SS. 1 }th District, Pennsylvania Paaay 1. ReicHENBACH Casewontn/FrenRaresrarive ious}. Sauer 106 Aste Senter Moons oF Concert Scnrey, PA 17801 Lt Datucr oF Potertvanns (870 $BE-7304 PacgyRecHensacGMa UNITED STATES HOUSE OF REPRESENTATIVES CONGRESSIONAL CASEWORK AUTHORIZATIONFORM Namet Mr. / Mirn / Ms, / Miss IRonata miller, Executive Director ' ] Address: [Fhagok']HOUSIAEAARTOOTLEY J City, State, ZIP Code: a 17872 4d I Email: [ snazeptd.net Telephone: Home: _ __}Work: [(570) 644-0431 x6 Social Seewrity Number: re "nate orsiren:[OWT Prssport/Allen Number(ifthis is an imalgratian case)> Clalm, File or Case Number: { |vtng Date? ] Federal Agency involved tn your case: Hy 1) Phi} adelohia_O Whichother offices have you coutacted? Senator Toome: : Trequest the assistance afCongressman Lou Barletta and his staff in the following federal! matter: (Please provide a briefexplanation ofyour probiem and attach copies ofany celevant doctment. . Use additional paper if necessary.) 4, Formation of Policy and Standard Operating Procedure for HUD Performance Reviews. 2. Copy of DEC Review conducted at Shamokin Housing Authority fn September 2013, 2. Release of Capital Fund money being held from Shamokin Housing Authority. PLEASE SEE ATTACHED INFORMATION in aceardance with the Privacy Act of 1974, I hereby authorize Congressman Lou Barleita and his inquiry on my behalfregarding the problem described above. | give my . i concerning me and this problem to be furnished to Congressman Lou y 45 21 2014-07-02 Easterr LoosAP 4s staffto make the nec:

Jul, 2 2014 1) 37AM No, 4238 Po 4 Jane 10, 2014 Shamokin Housing Authority has been stonewalled by the Philadelphia State Office and the Central Office ofthe Departmentof Housing & Urban Developmentin regards to issues thet have been ongoing for over two years. Forthis reason, we are requesting that you contact Senator Toomey in order to put forth ajoint cooperative effort to address the following issues. The formation ofa Policy and Standard Operating Procedure for Performance Reviews is a necessity. Currently, these reviews are being conducted in an inconsistent and unprofessional manner that allows HUD offices to “pick and choose” how they treat an Authority during a review. We are inundated with the demands from HUD for policies for all aspects ofour operations. Yet, they declare themselves exempt from policies utilizing the excuse they are following regulations. A HUD formulated policy on Performance Reviews should define procedures for conducting the review,site applicable regulations, and define the inspection criteria that will be used. All aspects ofthe Performance Review should be provided with written documentation and 2 sign off sheet signed and dated by all individuals participating in a policy regulated review. This will insure all parties involved will have a copy of issues prior to HUD personnel leaving the site. As a result ofthe lack ofwritten policies referenced above, Shamokin Housing Authority was reviewed by the Departmental Enforcement Center ofHUD. Dennis Bellingtier, Director ofthe Philadelphia State Office, attempted to change the results ofthe DEC review, which wes performed by more competent and professional reviewers and overtumed manyofthe citations issued by Division Director, Judith Axler. As ofthe above date, we have been unable to receive a copy ofthe DEC reviewer's report and we should have been issued a copy immediately upon completion. We are requesting assistance to obtain a copyofthe report and accompanying worksheets from the review. This is public information to which we are entitled and have been refused a copy. Finally, in keeping with their administrative line of abuses, the Philadelphia State Office is refusing to release Capital Fund monies to renovate emergency fire and safety systems for which they have no regulatory right to withhold. In closing, being thet these issues are ofsuch a critical and important nature, and due to the reluctance of the Philedelphia State Office to perform its designated duties, we are demanding these issues be submitted to the Secretary ofthe Department ofHousing & Urban Development for immediate review and determination, Due to the volumeofinformation and correspondence on these issues, we will not submit copies, but will be available to answer any questions on the issues and supply documentation necessary in support ofthese issues. 11 45 21 2014-07-02 Eastern.

03/28/2015 11 O3AN FAX 7178958794 REPLOUBARLETTA @o002/0005 | LOU BARLETTA 1 NABHMTIN, oc OFM! 1) DreTAIeT, PENHOMVANIA 1sCagHoust OrneGuam $202) 225-6511 PRONE TRANSPORTATION AND (WB5t 249-6744 Tow Ener INFRASTRUCTURE COMMITTEE 1 1202) 228-8260 Fax swat noguctonsrormce | Suscowres ON , 4 SissiCordon Staeer, Gurre 100 ecoewerPuresauuomes Congress of the Gnited & tates (hagstionOn tbeoN ’ 1570} Pai.odba Fax EDUCATIONANDTHEWORKFORCE House of Representatives sinmny uoreeg . . 108 Aten Srazer HOMELAND SECURITY COMMITTEE Washington, BE 20515—-3an Samaes Mareh 26, 2015 ; 1970) S8D-78DG FAX CAMISUE #4 arr: 89 West Lourues STREET Casusve PA 17019 1 1917) 249-0190 PRONE Mr. Bemard Fulton . \ 171218 0190 Fax Deputy Assistant Secretary for Congressional Relations sang (AMEIEDUNGparE joer aroun ReaD. Sure Us Department Of Housing And Urban Development anmaeuna,PA 17108 2471 545-7002 451 Seventh St. Sw, Room 10148 : Wiose-aveaban Washington, DC 20410-0001 Dear Mr. Fulton: The enclosed information concerning my constituent, Mr Pp 1s submitted for your eonsideranon Mr. has requested my assistance regarding an issue obtaining a HAMP mortgage modification due to incomerestrictions and disaster classification, despite receiving FEMA funding as a result of 2011 funding. The constituentis seeking any opportunity and informationto rcfinance lus mortgageto establish an affordable monthly payment under reduced fenns. Ijwould greatly appreciate your assistance in investigal and of any action you are able to take on behalf of Mr, is matter|and informing me of your findmgs Thank you very much for yourattention to this matter | Please respond to me at the Harrisburg Office: 4813 Jonestown Road Sutte 101, Harnsburg, PA 17109, (717) 525-7002. ! | Very truly yours, \ | Lou Barletta Memberof Congress | p | | 11 03 06 2015-03-26 Eastern

03/28/2015 11 O4AM FAX 7176956794 REPLOUBARLETTA Bo00a/0005 MAR, 25. 2015 9:21AM Waddel! & Reed - Camp Hill NO.473 PQ | i LOUIS J.BARLETIA— | 11th District, Pennsylvania | 4 Hazteton Digiricr Office 1S, Chrch St, Suite 100 HAZLETON, PA 18201 TEL:(570) 751-0050 PAX:(570) 751-0084 Distrigt Office 813 Jonestown Road Suite 101 Harrisburg, PA 17209 Tel: (717-525-7002 Fra: (717)695-6794 un bry t | Carllsbe Dizertce Office 106 arch Street 59 W. Louther Street Sunbury, PA 17801 UNITER STATES Carlisle, PA 17013 ‘Toli(570)988-7801 HOUSE OF REPRESENTATIVES Tels(717)249-0190 CONGRESSIONAL CASEWORK AUTHORIZATION FORM NameMr) Mrs, / Ms. / Mls ee) oye) Address: C] ! KbM6) City, State, ZIP Codes eae [EO I Ft ! Z Telephone: Home: [PO Work: | Social Security Number: [[©)©) Date of Bi Passport/Alien Number(if(his is an immugration care): Leman —_—_—~ — Claim,File or Case Numbert [ , ]Finng Date. LC ] Federal Agency invalved in your case: | \ ‘4 Which ather offices have you contacted? I Lrequest the asgistance of Congressmen Lou Berlena and his staffin the following federal mater: (Please provide a brief explanation ofyour problem a nd attach copteslarany relevant documient. Use additional paper tf necessary.) | See ahead | 7 | In accordance with the Privacy Act of 1974. Thereby authanze Congressman Loy Barletta and his staffto make the necessary inquiry on my behalf regarding the problem described above 1 give my sonsentfor the informatiion soneerning me and this problem to be fumished to Congressman Lou Barletta and pe Bless Signed: — (b)(6) Date: | | 11 03 06 2015-03-26 Eastern

03/28/2015 11 O4AH FAX T1?76856794 REPLOUBARLETTA | 0004/0005 MAR. 25. 2015 9:21AM Waddell & Reed - Camp Hill NO.4730 P 3 F Representative Barletta, | I'm not sure if you will be able to help me, but I'd still like make you aware of my situation on Joyce Ln. As I'm sure you recall, Tropical Storm Lee devastated the area in September 2011. 1 had 61" of water In myfirst floor and the basement was full. Exacerbating myindividual situation was that | had just resigned fram my salary Job at UPSin order to pursue a new careerin financial advising, working on commission. Uhave been making less money overthe past 3.5 years in this business, but | essentially make more money every day, and soon| will turn the corner. I love this Job and want it fo be my careerfor the rest of mylife. However, in the meantime, | have been accumulating debt, and I've been looking jor somerelief through various avenues. If | don't get some sort of heip, | may be forced back into jaking salary job within a year orso. Not the end ofthe world, but itis not what I want to f° " One of the avenuesI've been exploring is to refinance my mortgage and lower my monthly payment : ' 4 | applied for a traditional refinanea to take my mortgage out another 30 years and lower my payment, but | was denied due to my lower income. | then applied for a HAMP modification, and they have deemedthat ! make enough moneyto afford my payments (lam still current on my mortgage debts), and that the flood does not qualify me fora disaster loss since } did not apply for the modification it within their requlsita amount of time - | naver thoughtto apply sooner because | was thinking my business would grow at a faster rate thanit has. So basically, a traditional refinance says | do not make enough money and a HAMP modification says | do make enough, and also that | did not suffer a qualifying hardship !am stuck In no-mans land. So far Ihave paid $500 for a home inspection and $500 for an attorney to draft a letter to petition the HAMP denial, both to no avail. [ estimate a refinance will reduce my monthly expenses byat least $400 a month, which will make a huge difference to my bottom ling. 1 tt My home was purchased in 2005 for $434k and the most recent appraisal was 396k - and that drop js nearly all attributable to ihe flood. , I'm notloaking for a handout, butit seems ridiculousthat I|can't take advantage of lower mortgage interest rates and LOWER my monthly payments given my payment history. Current legislation and industry standards are preventing me from daing this. Somé positives were that FEMA did step in and giva me funds, but those were used in re-construction of the home, and that my focal taxes have been drastically reduced since the flood. \ Again | just wanted to make you aware of my case,I'm sure I'm not the only one who 11 03 06 2015-03-26 Eastern

03/26/2015 11 O4AH FAX 7176956794 REPLOUBARLETTA 0005/0005 MAR 25.2015 9:22AM Waddell & Reed ~ Camp Hil] NO.473, P, 4 has suffered the loss of equity and has baen adversely affected by it. If you have any questions or would like sore more information I'd be happy to chat with you on the phone orin person. Thanks for your time, OMY 11 93 06 2015-03-26 Eastern

US. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGION DC 20410-1000 ASSISTANT SECRETARY LOR CONGRESSIONAL AND PX TERGOVERNMI NAL RELATIONS The Honorable Louis J. Barletta Member. United States APR 17 2018 House of Representatives 4813 Jonestown Road, Suite 101 Harrisburg. PA 7109-1700 Dear Representative Barletta. Thank you for yourrecentletter on behalfof your constituent, Mr. [@) P requesting assistance with his mortgage loan, This information is from the Department o Urban Development's (HUD)Office of Housing. While the Department is sympathetic to the difficulties that Mr. is experiencing, a search of HUDrecords revealed that he does not have a mortgage insured by the Federal Housing Administration (FHA). which those are the only mortgages over which IIUD hasdirect jurisdiction. Therefore, the Department cannotintervene directly with the mortgage company on Mr. behalf. However, HUD and the Obama Administration have developed a number of programs, described below that maybe helpful in this case. For borrowers who have experienced difficulties with the Administration's Making Home Affordable (MHA)program,there is information at the fotlowing url wu w.makinghomeaffordable.gov on howto seek additional assistance. MHAis an unportantpart of the Administration’s comprehensive strategy to assist distressed homeowners and get the housing market back on track. It includes two key components The Home Affordable Refinance Program (HARP) provides homeowners whoare current on toans owned or guaranteed by Fannie Maeor Freddie Mac an opportunity to take advantage of today’s low interest rates and refinance into more affordable monthly payments. In addition, under the Home Affordable Modification Program (HAMP). millions of American families who are in default or in umminentrisk of default may be eligible to modify their loans to monthly paymentsthat are affordable and sustainable. Under this program.over 1.7 million borrowers have already transitioned into more affordable temporary mortgage modifications, saving them an average of $526 a month with nearly 857.000 borrowers having received permanent loan modifications. Additional information is available on the program's website fisted above, or by calling the help line (888-995-HOPE). Assistance for HAMP Applicants Homeowners whohave already sought assistance with their mortgage, and believe they were improperly denied a HAMPloan modification. or borrowers who have not received an adequate response from loan servicers that are participating in HAMP.havethe opportunity to continue pursuing a modification through a process knownas “escalation.” The help line mentioned above (888-995- HOPE) includes dedicated MHAhetp desk representatives to work with borrowers directly on escalations. Borrowers who were unsuccessful in their imtial HAMPapplications are encouraged to consider escalation. www.hud.gov espanol.hud.gov

The Administration hasalso increased opportunities tor borrowersto have their cases escalated. Fannie Mac counselors are available via a hotline (866-939-4469)to review file documentation, review decisions, and connect with servicers to re-evaluate HAMPapplications. Hotline staff may refer cases to the compliance team or the Treasury Departmentto report program violations and further escalate cases. Treasury also collects data from the call center to monitor case tesponse times. commonproblems,andother aspects of the program's effectiveness. It is also possible to seek an escalation by email: [email protected]. HAMP applicants may also wish to contact HUD-approved counseling agencies. [hese agencies usually provide servicesat little or no cost to the homeowner, and maybe ableto assist clients by contacting the parties involved in the financial transaction. A counselor may also be able to recommendotherorganizations that can be ofassistance. This option may be pursued online at: http://www.hud.gov/offices/hsg/sth/hee/heeprofl4.cfin, or by telephoneat 1-800-569-4287 (weekdays from 9:00 AM to 5:00 PM). As mentioned above, the Administration is aware that some borrowers continue to experience difficulties with servicers participating in HAMP. and we are working diligently to improve servicer responsiveness and execution under the program Amongthesteps that have been taken in this direction 1s the “second look” process in which, following reviews of servicer performance, the Administration maypose substantial sanctions, including financial penalties for non-compliance. In addition, there are required time limits with which servicers must comply. Por example. within ten daysof receipt offinancial information through a completed Request for Modification Affidavit, a servicer must acknowledgethe borrower's request for HAMP participation in writing and within 30 calendar days following the servicer’s receipt ofall required documentation,the servicer must complete its evaluation of a borrower's cligibility and notify the borrowerofits determination in writing In addition, servicers must send written Borrower Notices to borrowers and the Treasury Department identifying the reasonsfor a modification denial. Servicers are required to use specified reasonable borroweroutreach techniques and are prohibited from approving foreclosures for borrowers who maybe eligible for HAMP,unless the borroweris not responsive to the servicer’s outreach. was not approved for HAMP,orfailed to maketrial modification payments on time. Servicers mustalso certify to their foreclosure attorneys that a borroweris not cligible for HAMP prior to a foreclosure sale being conducted, Again. any borrowers whobelieve their servicers did not appropriately follow these requirements are encouraged toutilize the various contact options provided above Recent Reports on Foreclosure Processing Problems Many homeowners whohave applied for a FAMP modification may be concerned that they have been impacted by improperforeclosure processing that has taken place within the mortgage industry. As former Secretary Donovan stated, the notion that some ofthe same institutions that helped cause the housing crisis may be making it worse throughsloppy or otherwise flawed processing of foreclosures is both frustratmg and shameful Noone should lose their home as aresult of a mistake of this kind bya bankor loan servicing company. That is why the Obama Administration and key independentfinancial regulators are conducting a comprchensive review ofthe procedures that are being used by these companies, and will respond with the full force of the law where problems are found.

While it is too soon to gauge the full extent ofthe problem. any borrowers who believe they may have been subjected to any sort of umproperforeclosure processing may wish to take one ofthe following actions: lt. Call the MHAhelp line (888-995-1IOPE}. which was mentioned above This hotline can be a valuable initial step tor borrowers who believe their lenders may have used faulty foreclosure procedures. 2 Contact a HUD-approved counseling agency. for which the contact mformation was also provided abose: or Contact the Attorney General's office for their state since laws applicable to the foreclosure process vary fromstale to state The contact intormation for your State’s Attorney General is Attorney General Kathleen G. Kane Strawberry Square. 16" Floor Harrisburg. PA) 17120 lelephone 717-787-3391 bax 717-787-8242 Assistance for Unemployed and Underwater Borrowers The Obama Admuustration continues to explore additional ways ofpros iding greater help to homeowners in these challenging umes. As the nature ofthe crists has to some extent shifted away fiom a focus on subprime borrowers whoare unable to afford their mortgage payments, HUD and the [reasury Department have announced several enhancements to FHAloss mitigation, mortgage refinance, and HAMP programs that will provide new forms ofassistance to borrowers who owe more on their homes than they are worth, and to those whoare struggling with unemployment. These enhancements are described below. 1 ELA Short Refinance Program [nan cflort to help respensible homeowners who owe more on their mortgage than the value of their property, HUD recently released details ofthis program, which will begproviding an additional refinancing option for underwater borrowers, Specifically. the program will offer certain underwater non-] ELA borrowers, whoare current on their existing mortgage and whose lien holders agree to write offat least ten percent ofthe unpaid principal balance ofthe first mortgage, the opportunity to qualify fora new FHA-insured mortgage Tobe eligible for a new loan, homeowners must owe More on their mortgage than their home is worth and be current on their existing mortgage. [he homeowner must quality for the new Joan under standard FHA underwriting requirements andthe property must be the homeowner's primary residence. Homeowners interested in this program can obtamadditional information at http:ww hud.gos‘offices/adm/hudclips/letters ‘mortgagee/files/10-23ml pdf. Fund for Hardest Hit Housing Markets: The Treasury Department has provided funding to State Housing Finance Agencies (HE As) in 18 states and the District of Columbia to assist underwater borrowers and unemployed homeowners. Information on HF As with Flardest Hit funds 1s available at www. makinghomeaffordablegov.

] hope this information is helpful. Please be assured that providing help to Americansstruggling to stayin their homes. where at all possible, including working to makesure that borrowers are treated fairly andlegally by loan servicers. is a top priority for HUD and the Obama Administration. If I can be offurther assistance, please let me know Sincerely, Erika L. Moritsugu Assistant Secretary for Congressional and Intergovernmental Relations

Jul. 6 2016 2.38PM No 4790 PB. 2/3 LOUIS J, BARLETTA Lith District, Pennsylvonia Haaletou Distyict Office HBavebbuve Diserict Office LS, Churelt St, Suite 100 4313 Jonestown Road Suite LOL HAZLETON,Pa18201 Hartisburg, PA (7409 ‘TEL: ($70) 784-0050 FAX: (570) 751-0054 Sunbury DistJet Offices Tel: (177-528-7002 Bax: (717)695-6794 Carilsle Digivict Office 106 AvchStreet 59 W, Louther Street Sunbury, PA 17801 UNITED STATES Carilsie, PA 17013. ‘Tol: (570)968-780L HOUSE OF REPRESENTATIVES Tels(717}249-0190 CONGRESSIONAL CASEWORK AUTHORIZATION FORM. Name:(Mp, ¢ Mos. 7 Ms. ¢ Miss [OO Address: [[° | } roe) City, State, ZIP Coder (6; Enmaili ee) Telephone: Home:[°° Work: Socini Security Number: [2X0) Date of Birth: (fy) Passport/Avien Number(ithis is aimunlgration case); Ciahn, File or Case Number:Ld ritng Date: C~s@d Tederal Agcacyiuvalyed iu your case: ——SsS™T Which other offlees uave you contacted? T request the assistance of Congressman Lou Barletta and his staff in the following federal matter; (Please provide a brlef explanaiton of your prablein and attach copies of any relevant document. Use addittonal paper If necessary.) ~29- 2ole “LT ~ DOG La t E \ > OI YY 2, ce Dae EXSS\" gue OTHER Tens S$ Ole acs Aame Gwar) 2 Also Enso HYD ComPLArWT ow 8 b-+2- Dalle In accordance with the Privacy Act of 1974, [hereby authorize Congressman Lou Ban letta and his staff to make the necessary inquiry on my behalf regarding the problem) described above.I give my consentforthe infor mation concerning me and this problemto be furnished to Congressman Lou Barletta and his statf. Signed (b\(6) | pate: POM 14 $0 1$ 2646-07-06 Eastern

ECONGIC DEVELOPMENT, PURLIS BunONca, tl 6 2016 2 38PM y Ne 4790 %4/3 LOU BARLETTA | iT stacy, Penwbnvaron DISTAICT OFFICES ¥ Sour Cuuncn Sracer, Surre (00 Hazueron, PA v6201 ‘TRANSPORTATION AND (670) 781-0060 Prone, ‘ee INFRASTRUCTURE COMMITTEE i Suncom on * Congress of the United States Sikabate (5701 986-7803 Prone ANGEMERGEVEYManan Mouse of Representatives so weer Loumen srneet US Canin Bouse OC ee Building CARLISLE, PA 17013 enue; IN At ze WORKFORCE (717) 248-0196 Prone barrier : Bieshinglon, DE 20515-3811 OuL-FAce (855) 247-5144 | 208)226-481 101tataEAGT HOMELAND SECURITY COMMITTEE (117) 628-7002 Powe i : July 6, 2016 Mr. Bernaid Fulton. Deputy Assistant Secretary for Congressional Relations Us Department OfHousing And Urban Development 451 Seventh St. Sw, Roorn 10148 Washington, DC 20410-0001 Dear Mr. Fulton; ! - The enclosed inform: concerning my constituent, Mc, [EI [e consideration. Mr. has requested my assistance regarding housing issues Mr. stated he is facing eviction, on short notice, because ofhis son’s service dog. Hestated hefeels his rights as a tenant are being violated and has reported this incident to HUD for review I would greatly appreciate your assistance in investigating this matter and informing me of yourfindings and of any action you are ableto take on behalfMr. [C) Thank you very much for yourattention to this matter, Please respond to meat the Hazleton Office: 1 South Church Street, Suite 100, Hazleton, PA 18201, (570) 751-0050. i All mybest, ' : i Bote : Lou Barletta : Memberof Congress ' LB\ms utp sberlatta house gov 14 80 18 2016-07-06 Eastern PRINTED ONRECYCLED PAPER

’ i] U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT il * WASHINGTON, OC 20410-1000 “| a ea ASSISTANT SECRETARY FOR CONGRESSIONAL AND INTCRGOVERKMENTAL RELATIONS AUG 1 9 208 oS, + or gu ao The Honorable Louis Barletta Member, United States House of Representatives 1 South Church Street, Suite 100 Hazelton, PA 18201-6200 Dear Representative Barletta: Thank you for yourletter on behalf of your constituent, HC][HG] of Weatherly, Pennsylvania, about the fair housing complaint that he filed with the Department of Housing and Urban Development (HUD). The following information is from HUD's Office of Fair Housing and Equal Opportunity (FHEO). HIUD’s recordsindicate that Mr. filed the complamt with HUD’s RegionIII Office of FHEOin Philadelphia, Pennsylvania on June 21, 2016 (Complaint # 03-16-4335-8) and (FHAP Case #201505378). Mr. fee] alleged that the Respondent (Kamila Farm, LLC) subjected himto discriminatory terms and conditions,privileges, or services and facilities in violation of the Fair Housing Act. Under Section 810(f) of the Fair Housing Act, HUD must refer housing discrimination complaints thatit receives to state and local agencies that: 1) have jurisdiction 1o investigate such complaints understate or local fair housing laws; and 2) HUD hascertified as enforcing a! Jaw thatit has deemed to be “substantially equivalent”to the Fair Housing Act becauseit 7} provides rights, procedures, remedies, and judicial review provisionsthat are substantially 4 equivalentto those provided by the Fair Housing Act. In accordance with the Fair Housing Act, the Department's Region Jil FHEO referred MrLe] complaint to the Pennsylvania Human Relations Commission,a substantially equivalent agency,for investigation. According to the Fair Housing Act, once it refers a complaint under the Fair Housing Act to a substantially equivalent agency for processing, HUD maytakenofurther action with respect to that complaint unless the agencyexplicitly waivesits jurisdiction to investigate the complaintorfails to conduct an investigation. As of June 21, 2016, the Pennsylvania Human Relations Commission hasinitiated the complaint and started the investigation process. The investigation is ongomg and Mr. K®X®)_] will be notified of the outcome. Thope the information providedis helpful in respondingto yourconstituent. Please let mc know if I can be offurther assistance. . Sincerely, { L Moritsugu Assistant Secretary for Congressional and Intergovernmental Relations wwwhud.gov espanol.hud.gov

Date: 03/13/2015 Agency involved: HUD NumbersIdentifying Case (VA claim, Alien number,tax ID,etc.): was, Loan Na, [O___Jnew Fata in reference to previous: RE: SR Number 2015-10214598; Fwd: SR Number 2015-10104487 Kb){6) . Name: eI Branch of Service (If Applicable}: [branchOfService] Military Rank {IfApplicable): [mititaryRank] oye) Place and DateofBirth: . og. PME) Social Security Straet Address:{” 7 a KG) City, State, Zip Code: oye) Telephone #: Email Address: [(6)©) net HE) . 1, (Xe) Eq authorize the HUDto release personalinformation to Congressman Luke Messer United States Representative. | authorize Congressman Luke Messer to request and have accessto all records and reports pertinent to my requestforhis assistancein the following matter: Nature of Problem: Please de a FOIA request as soonas possible for the fatlowing documents as to my FHAloan (ex. number FHA Single Family Loan Sates 2024-2 (SFLS 2014-2) « Qualification Statement,as filled out by the subsequent purchaser LSF9 Mortgage Holdings LLC 2. Single Family Loan Sale 2014-2 Conveyance, Assignment and Assumption Agreementby and betweenSecretary of the U.S Departmentof Housing and Urban Development and LSF9 Mortgage Holdings LLC - Including alt attached Exhibits . Interim Servicing Agreementfor the Single Family Loan Safe 2014 completed by JPMorgan Chase National Asseciation concerning the "601"insurance claim of my FHA Loan.| have previously asked for these materials in a separate FOIA request through Congressman Messeras blank HUD forms and Jahn Hatter and Timothy Hawkins are working onit... yet in process. Previously | asked for materials as to my loan ina 14-36 33 2015-05-21 Easu

oe Aiganda Byles Luke Messer 6" Disinet,Indiana . Republican Policy Committee Chairman v 1S : Committe on Financial Services Congress of the United States House of Representatives Washington, DC 20515 Committee on Education and the Workforce Deputy Whip May21, 2015 Mr. Bernard Fulton Deputy Assistant Secretary for Congressional Relations U.S, Department of Housing and Urban Development 451 7th Street SW, Room 10148 Washington, DC 20410-1000 Dear Mr.Fatton: Tam writing to express my interest_on and extend every consideration to pe) to be kept advised of the progress and resolution ofthis case. Original written authorization onfile. Please send written responseto: Congressman Luke Messer Atta: Tim Hawkins 2 Public Square Shelbyville, IN 46176 (347) 421-0704 timothy.hawkins@ mail_house.gov Sincergly, Luké Messer Memberof Congress LM/Ah MESSER.HOUSE.GOV Printag on Reeyetnd Popar beers ware tmeurs te Washington Office: 508 Cannan House Office Bulding Weabington, OC 20515 4202} 225-3021 District Offices 2 Public Square Shelbyville,IN 46176 (317) 427-0704 (895) 341-8196 107 WestCharles Street Muncie, IN 47305 {785} 747-5565 50 Narth $* Street, 2“ Floar Richmond. {N 47374 (705) 362-2883 behalf of (V6) UNS ][E) ][EXSL] Please review equest. I would also like LOR 7B. 3744 “Tha “ hs '

separate FOIA request through Congressman Messerfor general information, Kim Bennett “completedthis. | need these as soon as possible to present before the Ind. Court of Appeals in my _case as impeachmentevidence. Kb){6) PLEASE NOTE: ThePrivacy Act of 1974 requires that Members of Congressortheirstaff have written authorization before they can obtain information about an individual's case, We must have yoursignature to proceed with a caseworkinquiry. oMey Signature: | pate. 13 March 2015 Print, and then mail or fax your request to Congressman Luke Messerat the following address. Please mail your form to: Office of Congressman Luke Messer Attn: Constituent Services 508 Cannon HouseOffice Building Washington, DC 20515 Phone: 202-225-3021 Return to the previous page.

X s (LS, DFPARTMENT OF HOUSING AND LRBAN DEVELOPMENT ‘ ill * WASHINGION DC 20410-1000 s ASSISTANT SECRETARY TOR CONGRESSIONAL AND INCL RGOVERNMINEAL RELATIONS The Honorable Luke Messer NOV 03 2075 Member, United States House of Representatives 2 Public Square Shelbyville, IN 46176 Dear Representative Messer: Thank you for your correspondence on behalfofyour constituent, Mr. [©)€) Bye +a ‘ sae 5 exe) about documents related to his Federal Housing Administration loan number. [he tollowing informationis the Department ofHousing and Urban Development's (HUD) Office of the Chiefof Human Capital Otficer. Enclosed are copies of HUD'sreplies to Mr. Searr. dated July 28, 2015, and September 21. 2015 T hope the information provided is helpful in responding to your constituent. If] can be of further assistance. please let me know. Sincerely, ka L Moritsugu Assistant Secretary for Congressional AndIntergovernmental Relations Enclosures wew.hud gov espanolhud.gor

=hl Pea ae U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON, DC 20410-3000 September 21, 2015 Mr EEE Kb){6) RE Freedom ofInformation Act Request FOIA Control No. 15-FI-HQ-01423 Dear Mr [eX®) Thisis a final response to your request dated March 13, 2015, pursuantto the Freedom of information Act (FOIA), 5 U.S.C. § 552. You asked for documents pertaining to Federal Housing Administration (FHA) loan number specifically 1, The FHA Single Family Loan Sales (SFLS) 2014-2 Qualification Statement, as filled out by the subsequent purchaser, LSF9 Mortgage Holdings LLC. 2 The SFLS 2014-2 Conveyance, Assignment and Assumption Agreement by and between the Secretary of the Department of Housing and Urban Development and LSF9 Mortgage Holdings LLC, includingal} attached exhibits, 3 The Interim Servicing Agreement for SFLS 2014 completed by JP Morgan Chase National Association concerningthe “601”claim on this FHA loan 4 The Participating Servicer Agreement for SFLS 2014 completed by JP Morgan Chase National Association concerning the “601” claim on this FHA Ioan. 5 The Single-Family Application for Insurance Benefits, form HUD-27011, completed by JP Morgan Chase National Association concerning the “601”claim on this FHA loan. On July 28, 2015, you received documents responsive to items 2 through 5 Enclosed are documents responsive to item 1. On August 4 and August 10, 2015, you asked for a range of additional information, including exhibits referenced in the documents you received in a reply dated July 28, 2015. Addinonally, you also asked for HUDto provide you with documentsthat reflect changesto the versions you received ofthe Interrm Servicing Agreement for SFLS 2014 that youreceived from JP Morgan Chase,as well as the table referenced on page 4, in the table of contents Finally, you asked for pages that are subject to release under the April 5, 2012, Department of Justice settlement agreement with the participating servicer. Yourrevised request is granted in part Enclosed are copies of the requested information | amwithholdingprivate financial information under Exemption 4 of the FOLA. Exemption 4 protects trade secrets and commercialor financial information obtained from a personthat1s privileged or confidential www -hud.gov espanol.hud.gov

The exhibits cannotbe provided because HUD doesn’t maintain this information. As far as the documents related to the 2012 DepartmentofJustice settlement agreement, HUD doesnot have them They can be requested from the DepartmentofJustice at the following location. Office of Information Policy (OTP) U.S. Department ofJustice Suite 11050 1425 New York Avenue, NW Washington, DC 20530 Fax Number: (202) 514-1009 Email Address: DOJ [email protected] 1 am the official responsible for this determination based on information providedby the Office of Housing. You may appeal this determmation within 30 daysfrom the date ofthis letter. If you decide to appeal, your appeal should include copies of your original request and this response, as well as a discussion ofthe reasons supporting your appeal. The envelope should be plainly marked to indicate that it contains a FOIA appeal and be addressed to. U.S. Department of Housing and Urban Development Attention: FOLA Appeals Office of Ethics, Appeals and Personnel Law Ethics and Appeals Law Division 451 Seventh Street, SW, Suite 2130 Washington, DC 20410 Telephone (202) 708-3815 For your information, your FOIA request, including your identity and any information made available, 1s releasable to the public under subsequent FOIA requests. In respondingto these requests, the Departmentdoesnotrelease personal information, such as homeaddress,telephone number, or Social Security number,all of which are protected from disclosure under FOIA Exemption 6, If you have any questions regarding this request, please contact Howard Rosenbergat (202) 402-5507 Thank you for your interest in the Department’s policies and programs. Sincerely, fonshoe Vicky S. Lewis Acting Director, Office of the Executive Secretanat Enclosure

lh U.S, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT WASHINGTON DC 20410-3000 OEFICE OL ADMINISTRATION July 28, 2015 Mr.[©X6) OO [Oy [He Ko){6) Dear MrIt RE Freedom ofInformation Act Request FOIA Control No. 15-FI-HQ-01423 This in an intermm responseto your request dated March 13, 2015, pursuant to the Freedom ofInformation Act (FOIA), 5 U S.C. § 552. You asked for documentspertaining to Federal Housing Administration (FHA)loan number (0X6) specifically 1 2 The FHA Single Family Loan Sales (SFLS) 2014-2 Qualification Statement, as filled out by the subsequent purchaser, LSF9 Mortgage Holdings LLC. The SFLS 2014-2 Conveyance, Assignment and Assumption Agreement by and betweenthe Secretary of HUD and LSF9 Mortgage Holdings LLC,includingall attached exhibits. The Interrm Servicing Agreement for SFLS 2014 completed by JP Morgan Chase National Association concemungthe “601”claim on this FHA loan. The Participating Servicer Agrcement for SFLS 2014 completed by JP Morgan Chase National Association conceming the “601” claim on this FHA toan The Single-Family Application for Insurance Benefits, form HUD-27011, completed by JP Morgan Chase National Association concemingthe “601” claim on this FHA loan. When responding to a OTA request, HUD searches for responstve documents existing up to the date that the request 1s received in the Department’s FOLA Branch. Your request was received on May 27, 2015 Your request 1s granted m part. Enclosed are documentsthat are responsiveto ttems 2 through $ of your request. In response to item 1 of your request, per your emai! to Howard Rosenberg of mystaff on July 9, 2015, you agreed to potentially release the FHA SFLS 2014-2 Qualification Statementat a later date. Regarding item 5, enclosed1s al! the data that appears on parts A and B ofthe form HUD-27011, as completed by JP Morgan Chase National Association, but not the form HUD-27011 per se HUDreceives the actual HUD-27011 only if the clam suspends upon submission, and since this claim paid upon submission, HUD doesnot have it www hud gov espanol.hud gov

Ww T am withholding FHA case numbers under FOLA Exempton 6. Exemption6 protects imformation that would constitute an unwarranted invasion of personal privacy. The interestofthe general public in reviewing these portions ofgovernment documents does not outweigh the individuals’ nght to pnvacy. Appealrights will be provided to you in the Department’sfinal responseletter. For your information, your FOIA request, including your identity and any information made available, is releasable to the public under subsequent FOIA requests. In respondingto these requests, the Department does not release personal information, such as homeaddress, telephone number, or Social Security number,all of which are protected from disclosure under FOLA Exemption 6. If you have any questions regarding this request, please contact Howard Rosenbergat (202) 402-5507. Thank youfor yourinterest in the Department’spolicies and programs. Sincerely, Vicky Lewis Acting Director, Office of the Executive Secretartat Enclosures

Luke Masser 8 District, Indiana Republican Paley Committee Chairman Committee on Financial Services Committee on Education and the Workforce Deputy Whip August 28, 2015 Mr. Bernard Fulton Congressofthe United States Houseof Representatives Washington, DC 20515 Deputy Assistant Secretary for Congressional Relations U.S. Department of Housing and Urban Development 451 7th Street SW, Room 10148 Washington, DC 20410-1000 Dear Mr.Fulton: lam writing to express my interest on behalf of and extend every considerationto} be kept advised of the progress and resolution of this case. Kb){6) Original written authorization onfile. Please send written responseto: Sincerely, Luké Messer Memberof Congress LM/th Congressman Luke Messer Attn: Tim Hawkins 2 Public Square Sheibyville, [N 46176 (317) 421-0704 Umothy.hawkins@ mail.house.gov MESSEAWOUSE.GOV Printed orRete Pear Washington Office: 508 Cannon HouseOffice Building Washington, 205 (202) 226-3021 District Gffices: Public Square shalt, IN 46176 (317) 421-0704 (858) 341-8196 107 WestCharles Street Munete,IN 47305 (765) 747-5566 80 North 5* Straet, 2* Floor Aschmond, IN 47376 {765} 962-2883 Please review KOH) request. T wouldalso Jike to

Luke Messer Congress Westoagien Offer . oe S08 Conon Honus Offee Bldang Sixth District, Indiana Meer, DE 20813 . tab aises Committee on Financial Services of the United States (G02892 Comuntiee on Education and the : Deort Oiers Workforce House of Representatives wree Chairman ofthe House Republican Policy Washington, DC 20515 rot her#85341090 Committce Fav (Paty ETISNS $0 Sanh 5Set Richmond, (N41974 (735) 902.2885 Fay (768 962-3239 2 rac shetyuite(agit ‘otas/-a7oe Fae Ont) a2tazI0 Authorization in Accordance with the 1974 Privacy Act oye) oye) Name:_| Date ofBirth: Address: . a) KoM6) City:| |_ State: Zip: Home PH Work Phone: [EETIRED Tenclon Kb){6) Social Security #: Claim #: — Attorney: Like: Lb nltte — Altorney Phone#; Sign up for the E-Newstett Yes | No Email Addres: Please describe the specific information you are requesting or the exact nature of the problem you are experiencing. Send copiesofany relevant information (DO NOT SEND ORIGINALS).Please indicateiyo have a representative working for you. Use extca paperif necessary. i LALL Mol foe Me pw pwc of Asche) Hualys iS shewz wawomt soe Aae Zfiarfel fan Tec(elon sats LnLtea ake FHA TyreeAMG hgee 2277 TH FF pehe Leen fae 7i4- Ferg 44 fripvad Asch _$2S wis TeOT ey TUL PRIVACYACT OF 1974 PROHIBITS THE GOVERNMENT FAOMREVEALING ANY INFORMATION FROMPERSONALFILES OF INDIVIDUALS WITHOUTTHE EXPRESS PFRMISSION OF THE PERSON INVOLVED DISCLOSURE OF PERSONAL RECORDS TO A MCMBCR OF CONGRESS WIIG 1S ACTING ON BCIALF OF THC CONSTITUENT IS PROHIBITED. UNLESS THE INDIVIDUAL TO. WHOMTHE RECORD PERTAINS HAS CONSENTCD I, the undersigned, hereby authorized the office of U.S. Representative Luke Messerto receive information in m: phils nertinent to his inquiry on my behalf, SIGNATURE:_| Date: 7%, of 7

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CitiMortgage itdpic Cl tl ( oe, 24 ffspg AS S456 July 10, 2015 yen THY f60dir VET yeu JHE, LEE ‘ —T pasetag AIOLF7 Voi 916as yobs 0 DH month Dear CitiMortgage Client(s): Thank youfor your recent inquiry regarding your mortgage account. Ourrecords reflect that your homeowner’s insurance carrier is Allstate Insurance Company with an annual premium of $1,743.69 and scheduled for renewal on 06/24/16 and your property taxes are $1,030.53 annually. Per the annual escrow analysis dated 05/18/15. Your new monthly mortgage payment effective O7/0K/15 is $1,089.84, which includes an escrow payment of $488.35 and optional insurance payment of $11.63. Please be aware, this new payment amount is only jn effect until your next escrowanalysis, Your Escrow Account Disclosure Statement will be sent to you separately and you should receive it within the next 7-10 dusiness days. As of today's date, your principal balance is $107,402.09, escrow balanceis (-)$1,446.50 and your accountis currently paid through 06/01/15. To contact us visit our website at www.citimortgage.com or acce! ot Information Line, which is available 24 hours a day at 1-800-283-7918*. Representatives are available Monday throughFriday from 8:00 a.m. to (0:00 p.m., ET, and Saturday from 3:00 a.m. to 6:00 p.m., ET. To access TTY services, dial 711 from the United States or dial 1-866-280- 2050 from Puerto Rico. When you contactus, refer fo your mortgage account, 1123763766, Weappreciate your business and look forward to continuing to serve you in the future. Sincerely, oe Ly CustomerService Department

TRUTH IN LENDING DISCLOSURE STATEMENT —ATBISIS.NEITHER A CONTRACT NOR A COMMITMENT TO LEND) ‘Applicant: Lender: Citibank, NA. 4 : Kb){6) tomo__] sae <== Property: (°°) ‘Type of Laan: FHA Date: October 29, 2013 Disclosure Type: Final ANNUAL PERCENTAGE FINANCE CHARGE Amount Financed Total of Payments The cost of your credita yearly ed, The dollarmount the credit will enst The amour of credit provided to you The emout you will fue paid wfter you or an your behalf. Jyou fave mmde off payments ay scheduled. 5.410% $ 108,857.32 $ 109,511.76 S 218,369.08 INTEREST RATE AND PAYMENT SUMMARY Rate & Monthly Payment Interest Rate 5.000% Principal + Interest Payment $ 589.86 .. Est. Taxes + Insurance (Escrow) ® Includes Morigage Insurance S 223.40 ~ Total Est. Monthly Payment § 813.26 ‘There is no guaranice that you will be able to refinance to lower your rate and payments. DEMAND FEATURE: EX] This toon docs ant have a Dewand Feotoe. [_] This foan has o Detnand Fratire sn follows: REQUIRED DEPOSIT: [] The arrusl percentage rale does nol take Inte accourd your reequired deposit, VARIABLE RATE FEATURE:{_] ‘This Laan tes o Vurintle Role Fenture. Variable Matz Disclosures have beenprovided bo you eniller, SECURITY: You ore giving security interest in the property located ut 9551S. COUNTY ROAD 200 E. « MUNCIE, IN 47302-8347 ASSUMPTION: Scermone buying this property [_} cannet esuane the remainderof the mortgage on the original terms tity ensure, subject to conditions, the rertafader of the marigage on the otipinaal terms. NON-FILING (INSURANCE: $ NA PROPERTYINSURANCE: [] Momeawner’s Insurance, or fire and extended coverage, is a eequined condition of this loan Ato. if the property secuziog this Toon t locaicd Ina flood bzard urea, you will be required ta nbtain fined insermce. Barmawermoy purchase this Inurmer from any inaganer company accepishi ta lender. ¢ LATE CHARGES:If o payment is amore than 15_ days late, you will be charged a Inte charge of __4.000% ofthe poyrnerd. PREPAYMENT: If you pay off your lnun curly. you Conny [XJ wit not havete pay 9 prepayment pemity. Csuy [i] itt not havelo puy o tenimum (Trance charge. (X)eny (wilt not be entitled to 2 refund of part ofthe Cinsanece charge. ‘You ure not reqptired fo comptete (his agreement snerely because you have exceived these disclosures er signed m fasn nppiicatton, See your contract documents for any additional information chout nempoyment, default, any required repayerientiy full befare the scheduled date. and prepayment refunds and pematties. Vie hereby acknowleige reading and recclving a compicie copy ofthis disclasure. BORADWER/DATE wientiast hyo.wraTt, BORROWER/DATE. BORROWEWDATE JUDYKAY WYATT BORROWER/DATE FIL AIXFA - O1/1S/a01T [O01 123763766) Citibank 3.2.75.15 V3