►
Description
February 28, 2023 Bloomington, MN Housing and Redevelopment Authority Meeting
A
A
A
Second,
okay:
we
have
a
motion
by
commissioner
Lewis
and
we
have
a
second
by
commissioner
Mueller
I
apologize.
This
is
my
first
night
of
this
chair.
Are
there
any
questions,
if
not
all
those
in
favor
signify
by
saying
aye
I
opposed
the
motion
passes
six
two
zero
or
five
to
zero?
Sorry
moving
on,
we
have
the
approval
of
the
minutes
for
February
14
2023..
Are
there
any
questions?
Additions,
changes
to
the
February
14th
minutes
hearing
none
I
asked
for
a
motion
to
approve
the
minutes
of
February
14th
2023.
A
There
a
second
second,
it
has
been
moved
by
commissioner
Lewis
seconded
by
commissioner
dolblinger.
Are
there
any
questions?
Hearing
none
I
will
all
those
in
favor,
please
signify
by
saying
aye
aye
aye
opposed
hearing
none.
The
motion
passes
five
to
zero.
Moving
on
to
item
4.1
new
business.
We
have
the
introduction
of
the
office
coordinator.
Can
we
please
have
the
staff
report?
Thank.
C
You
chair,
huhim,
Erica,
Coleman,
HRA,
administrator
and
so
I
want
to
introduce
our
new
team
member
Natalie
Barrett
she's
joining
the
HRA
team
as
an
office
coordinator,
and
she
started
yesterday
so
Monday.
This
is
day
two.
She
joins
us
from
property,
Executives
Realty,
where
she
works
as
a
team
member
in
assistant
and
Advising
clients
in
home,
buying
and
selling,
and
she
also
has
extensive
experience
in
supervision
and
management
of
office
staff
and
duties,
including
implementation
of
software
and
office.
A
E
Oh,
so
it
is
good
evening,
commissioners,
thank
you
very
much.
It's
great
to
meet
you
I
recently
worked
as
the
Rochester
downtown
Alliance
executive
director
in
Rochester,
Minnesota
and
prior
to
that
worked
in
Boston
in
public
space,
Consulting
and
real
estate
and
in
city
government,
so
very
well
equipped
equipped
to
walk
into
this
role.
I'm
excited
to
be
working
with
the
HR
ra
team
to
execute
many
of
the
plans
and
recommendations
that
I've
been
learning
about
over
the
last
two
weeks
and
to
create
and
preserve
wonderful
and
variety
of
housing
options
here
in
Bloomington.
A
C
You
chair,
huhim,
so
9030
Park,
Avenue
South
is
a
property
that
is
currently
owned
by
the
HRA
and
in
your
staff
report
agenda
packet.
There
is
a
timeline
of
events
as
to
how
we
are
here
today,
and
so
today
we
have
Brenda
Lana
walkey
of
exec,
the
executive
director
of
West
Hennepin,
affordable
housing,
Land
Trust,
doing
business
as
homes
Within
Reach,
to
provide
an
update
on
where
they
are
now
on
the
progress
with
this
property
Brenda.
F
So
homes,
Within
Reach,
started
with
a
vision
to
provide
a
unique
opportunity
to
transform
people's
lives
through
home
ownership.
Our
mission
was
to
do
this,
utilizing
the
Community
Land
Trust
model,
which
creates
and
preserves
affordability
of
home
ownership
for
families
in
Suburban,
Hennepin
County.
Our
core
belief
is
that
home
ownership
brings
stability
to
people's
lives
and
it
creates
value
for
the
families
and
the
communities
that
we
serve.
F
We
started
in
2001
in
the
City
of
Minnetonka,
but
our
service
area
is
actually
the
14
Suburban
communities
within
Hennepin
County,
we're
currently
active
in
14
communities
within
the
county
or
within
the
county,
and
right
here
in
Bloomington,
we've
got
13
Land
Trust
homes
in
our
portfolio,
the
average
area
median
income
of
the
buyers
within
Bloomington
is
54
percent
of
area,
median
income
or
fifty
three
thousand
three
hundred
twenty
five
dollars.
So
you
can
see
with
our
buyers
they
would
struggle
to
buy
within
this
community
if
not
for
this
model.
F
At
a
high
level,
what
is
that
Community
Land
Trust,
the
community
land
trust
is
a
non-profit
community-based
organization
organization
that
owns
the
land
for
the
benefit
of
the
community.
We
promote
housing,
affordability
and
sustainable
development
and
mitigating
historical
inequities
in
home
ownership
and
Equity
Building
clts
are
responsing
are
a
response.
That's
used
to
address
the
lack
of
affordable
housing
within
communities,
particularly
for
underserved
communities.
F
It
protects
the
asset
that
land
providing
us
with
certain
rights
to
safeguard
the
condition
and
the
affordability
of
the
home,
while
allowing
the
homeowner
the
long-term
rights
and
use
of
the
land
and
Improvement
of
that
structure.
The
permanent
affordability
is
attained,
basically
through
two
Provisions
within
the
groundlies.
F
The
benefits
of
that
grown
Lisa
that
resale
former
are
really
that
it
encourages
long-term
home
ownership
and
increasing
our
homeowners
desire
to
be
in
the
neighborhood
and
to
be
in
the
community
and
create
that's
neighborhood
stability.
It
incentivizes
them
to
maintain
and
take
care
of
their
home,
because
the
value
of
that
home
comes
back
to
them,
dependent
on
the
condition.
F
F
It
allows
them
to
build
equity
while
retiring
debt
and,
most
often
because
of
our
resale
formula.
The
next
buyer
of
that
home
is
often
of
less
area
median
income
than
that
first
buyer.
And
that's
simply
because
of
the
way
the
model
is
structured
and
because
that
oftentimes,
the
increase
in
the
value
of
the
home
outpaces.
The.
F
Market
forces
that
are
there
best
way
to
put
it
I
guess
so
then
I've,
given
you
an
example
of
typically
what
we
do
or
the
majority
of
our
work
is
in
the
acquisition
resale
of
homes.
We
do
do
new
construction
here
and
there
we
partner
with
many
organizations
habitat,
is
one
of
the
entities
we
partner
with
for
new
construction,
but
this
home
here
you'll
see
the
picture
there.
This
was
a
home
that
we
acquired
when
we
go
into
acquire
a
home.
F
We
do
inspections
and
energy
audits,
we're
looking
for
health
safety
and
energy
efficiency
issues
in
that
home.
So
this
home,
when
we
went
in-
and
we
looked
at
those
things-
it
needed
a
radon
mitigation
system.
We
addressed
the
lead
lead-based
paint
that
was
in
the
home,
the
home
needed
insulation
in
the
walls,
the
attic
and
the
rim
joists.
It
needed
all
new
electrical
updating
it
needed
Plumbing,
it
needed
all
new
windows,
it
needed
new,
exterior
doors,
it
needed
a
new
furnace
and
it
needed
a
new
air
conditioner.
It
also
needed
a
new
water
heater.
F
We
did
what's
called
a
hers
report.
The
hers
stands
for
home
energy
rating
system
and
what
that
system
does
is
it
comes
in
and
it
seals
up
a
home
and
it
looks
at
how
much
does
this
home
leak,
heat
or
cool
air
into
the
environment?
And
this,
if
you
look
at
a
new
construction,
a
new
construction
is
based
at
a
hundred
this
home.
When
we
went
in
and
did
the
initial
rating
it
was
126.
F
F
So,
in
doing
these
repairs
up
front
we're
hoping
that,
as
a
result,
within
the
first
seven
to
ten
years
of
home
ownership,
these
folks
don't
have
to
put
any
money
into
their
home
for
the
major
repairs.
This
helmet
had
hail
damage,
so
it
did
have
a
brand
new
roof
on
it.
Otherwise,
roofs
and
siding
are
something
else
that
we
oftentimes
are
doing,
and
you
can
see
there's
a
picture
there
of
a
gentleman
who
purchased
this
home
and
his
two
little
kids
that
are
residing
there
now.
F
So
the
HRA
had
approached
us
and
asked
if
we
were
interested
in
possibly
partnering
and
entering
into
an
mou
to
look
at
the
possibility
that
we
could
build
on
this
lot
and
in
December
of
2021.
We
entered
that
mou
which
allowed
us
then
to
explore.
How
could
we
Finance
this
and
we
looked
at?
What
could
we
do
and
with
the
size
of
the
lot
our
desire
was
to
build
either
two
single-family
homes
on
the
lot
or
a
twin
home,
the
HRA
or
the
CDA
are
I'm.
Sorry,
not.
F
F
F
The
second
option
would
be
the
twin
home.
The
current
zoning,
with
a
request
for
variance
which
is
allowed
under
current
city
code,
means
we
could
move
forward
relatively
quickly
on
a
twin
home
concept.
However,
there's
been
proposed
changes
to
the
Bloomington
zoning
codes,
which
were
presented
back
in
the
December
Planning
Commission
meeting.
If
those
changes
are
adopted,
it
means
we
could
create
the
two
single-family
homes,
one
with
the
Adu.
F
The
Adu
will
be
a
new
pilot
program
for
us.
We've
we've
not
done
this,
but
we
do
see
a
need,
especially
with
covid.
We
found
families
moving
back
together
and
supporting
each
other
in
their
home
ownership
Venture.
We
also
saw
and
have
requests
from
families
where
they'd
like
to
have
Grandma
and
Grandpa
close
by
to
help
for
daycare
and
or
we
have
adult
children
who
are
helping,
take
care
of
elderly
parents.
So
the
concept
of
that
Adu
unit
would
be
a
great
Improvement.
We
feel.
F
It's
hard
to
do
the
proposed
uses
and
sources
when
we're
not
certain
what
we're
going
to
build,
but
on
the
sources
side
we
are
pretty
certain
we
do
have.
We
do
know
that
we
can
sell
these
properties
for
about
two
hundred
thousand,
so
the
home
buyers,
First
Mortgage,
would
be
200
000.,
Hennepin
County.
We
have
been
awarded
funds
through
the
our
expansion
grant
that
we
did
to
add
more
homes
in
our
portfolio,
so
we
believe
we
can
bring
seventy
five
thousand
dollars
of
that
funding
to
the
table
for
the
city.
F
We
also
have
in
the
mou.
The
city
had
stated
that
they
would
bring
a
hundred
and
fifty
thousand
dollars
to
the
project
so
for
each
unit.
That
would
be
another.
Seventy
five
thousand
dollar
commitment
from
the
HRA,
with
our
grant
from
Minnesota
housing.
We
have
impact
funds
of
about
85,
000
per
unit
and
HIV
of
45
000
per
unit.
F
In
that
same
application
at
Minnesota
housing
we
awarded
met
Council
funds,
the
City
of
Minnetonka
acts
as
our
recipient
for
those,
but
the
agreement
with
them
is
that
they
understand
all
that
Council
money
is
to
be
used
within
all
communities
we
serve.
So
that
brings
that
map
Council
money
to
your
community.
F
You
can
see
where
we're
at.
We
believe
that
we
would
like
an
acquisition
of
the
property
for
one
dollar.
We'd
have
an
environmental
cost
for
the
review
of
about
2
800
total
construction
on
a
unit
is
going
to
be
about
416.,
there's
design
and
Engineering
costs
in
constructing
the
perfect
unit.
For
that
lot,
and
we
figure
that's
about
six
thousand
seven
hundred
holding
costs,
closing
costs
on
that
and
the.
F
Interim
financing
was
going
to
be
about
23,
000
development
fees
of
48
500
and
then
a
possible
miscellaneous
of
about
250..
So
you
can
see
we're
currently
bringing
in
about
485
000..
We
believe
we
need
about
499,
thousands
and
501,
or
about
500
000
a
piece
on
these,
so
we're
a
little
bit
short
right
now,
we'll
look
at
ways
to
address
that,
but
currently
what
homes,
Within
Reach
ask
of
the
HRA
and
the
council
is
to
extend
our
current
mou,
which
expires
in
June,
so
that
we
can
move
forward
with
the
project.
F
When
we
look
at
a
time
frame
for
a
project
like
this,
our
biggest
guiding
force
is
what
our
funders
are
telling
us.
We
need
to
do
so.
We
are
looking
at
a
20-month
timeline
to
expend
those
funds
which
means
for
us.
We
would
like
to
hit
the
ground
running
and
break
ground
as
of
late
summer
of
this
year
to
2023.
F
C
Thank
you
so
chair
huhim
and
commissioner
Mueller,
so
first
off
they're
within
their
time
frame
of
the
memorandum
of
understanding,
and
they
have
achieved
what
they
said
they
were
going
to
achieve,
which
was
going
after
the
funding
sources
in
terms
of
deciding
on
what
goes
there.
That
is
up
to
this
body
to
have
discussion
with
West
Hennepin,
affordable
housing,
Land
Trust,
about
what
it
is
that
you
desire.
Originally,
we
mentioned
a
twin
home.
Now
we
see
that
there
may
be
other
options.
H
Thank
you
to
piggyback
on
that.
For
a
moment,
I
know
those
overall
proposed
changes
to
zoning
haven't
been
referred
to
the
HRA
for
a
formal
recommendation,
but
is
there
a
process
or
procedure
where
we
could
include
the
impact
of
that
decision
on
using
this
as
an
example,
project
of
what
would
be
allowed
if
those
changes
were
to
move
forward?
Is
that
something
that
could
be
included
in
the
packet
when
that
comes
back
for
the
full
Council
review?
Thank.
C
A
F
Under
current
zoning,
the
Adu
can
only
be
33
percent
of
the
primary
structure
and
size,
no
more
than
a
minimum
of
300
square
feet,
no
more
than
960
square
feet,
and
it
has
to
be
single
owner
occupancy
with
familial.
So,
yes,
we
would
have
to
sell
it
within
which
could
present
challenges
down
the
road,
but
within
our
Wellness
we
always,
as
the
CLT
have
the
first
right
of
refusal.
A
C
You
can
direct
staff
to
put
a
memo
together
about
support
for
this
project,
based
on
what
you
would
like
to
see,
and
then
this
is
just
an
update,
because
if
there
is
a
need
to
take
a
formal
action
which
would
be
either
to
extend
the
memorandum
of
understanding
or
we're
still
within
the
time
frame,
the
memorandum
of
understanding
was
in
place.
While
the
funding
was
being
fundraised,
we
could
move
forward
with
starting
to
structure
the
purchase
agreement
for
the
property,
so
we're
still
within
those
those
time
frames.
C
G
G
My
best
friend's
daughter
has
autism
can't
live
alone,
but
if
you
know
nearby,
but
she
needs
her
independence,
correct
so
I
think
we
have
situations
like
that
of
it's,
not
just
the
Aging
parents
or
the
daycare.
It's
the
parents
needing
to
care
for
their
adult
children
and
and
having
options
for
them.
B
Thank
you
yes,
chair
who
came
commissioner
Lewis,
yes,
I
would
tend
to
agree
I
would
if,
if
the
property
will
allow
it
I
think
two
homes
would
be
good
and
one
with
an
Adu.
As
you
said,
this
is
something
new
that
you're
going
forward
with,
but
it's
something
that
we've
talked
about
and
I
think
it
would
be
a
really
good
opportunity
now
to
do
something
like
that,
where
we're
going
to
try
an
Adu
rather
than
just
talk
about
it,
so
I
would
support
the
two
homes
and
one
with
an
Adu.
H
Thank
you,
chair
I,
yeah,
I'll
Echo,
the
sentiments
that
have
been
shared
and
even
kind
of
more
broadly,
while
I'm
very
excited
that
we're
moving
forward
with
this
partnership
to
be
able
to
guarantee
that
affordability,
I
think
more.
Broadly
speaking,
it's
a
great
case
study
of
what,
in
large
swaths
of
the
city,
the
future
of
single
family
home
ownership
is
going
to
look
like
slightly
smaller
footprints
adus
for
multi-generational
living.
H
A
Thank
you
I'd
like
to
share
my
opinion
as
well.
This
is
my
neighborhood
I
actually
can
look
and
view
this
property
from
my
house
and
I'm
going
to
be
honest
that
I'm
a
little
torn
on
it
just
because
I'm
not
sure
what
to
I
know
what
these
lots
are
like
and
I
know
what
splitting
them
looks
like,
because
my
lot
is
actually
a
split
lot
itself
that
we're
on
and
there
is
some
loss
there.
A
This
is
going
to
be
just
a
little
more
personal
just
because
it
is
my
neighborhood,
obviously
making
sure
that
the
biggest
thing
I
want
to
make
sure
of
is
that
there's
that
Equity
with
how
it's
developed
and
how
garages
are
developed
in
that
many
of
the
houses
that
are
split
lose
due
to
the
new
ordinance.
We
lose
a
lot
of
that
that
variance
of
because
the
garages
are
built
flush
with
the
house
and
not
back
further
due
to
property
design
so
I.
A
F
As
we
develop
the
project,
we
would
engage
staff
and
the
Commissioners
to
see
what
those
deploy
the
plans
would
look
like
as
we
develop
that
our
goal,
even
when
we
create
new
homes,
is
to
make
them
blend
in
with
the
community.
We
don't
want
them
to
stand
out
and
and
look
different
and
draw
attention
to
that
home.
That's
different.
F
We
also
know
that
with
the
Adu,
you
can
do
an
attached
Adu
as
opposed
to
a
detached.
So
it
could
be
that
smaller
size
tucked
behind
with
just
a
small
kitchenette
living
space,
one
bedroom
and
a
bath,
and
since
it's
multi-generational
we
don't
half
and
and
that
single
owner,
we
don't
have
to
create
a
separate
garage
space.
So
those
are
some
of
the
things
that
we've
considered
as
we've
looked
forward
to
develop
it.
That
way.
A
C
Thank
you,
chair
huhim,
so
I
hear
that
the
majority
of
the
board
is
interested
in
the
two
single-family
homes,
one
with
an
Adu
and
then
the
idea
around.
Do
you
need
to
provide
a
memo
or
letter
of
support
for
this
property
in
regards
to
the
zoning
code
currently
and
or
if
there
needs
to
be
a
variance
applied
for
I
can
go
forward
with
typing
that
memo
up
and
bringing
it
back
to
this
body.
C
G
B
A
C
Thank
you,
chair
huhim,
so
the
hra's
focus
along
housing.
Continuum
is
housing,
stability,
housing
preservation,
homeownership,
Pathways
and
housing
creation
and
since
2021,
the
HRA
has
supported,
implemented
and
are
partnered
to
increase
perpetually,
affordable,
homeownership
opportunities,
affordable
new
construction,
home
ownership
units
home
buyer,
mortgage
assistance
and
Home
Ownership
education.
C
The
focus
is
to
address
affordable,
homeownership
options
and,
more
specifically,
to
address
the
homeownership
gap
between
non-hispanic
white
households
and
households
of
color.
The
homeownership
Gap
exists
due
to
historically
restrictive
practices
and
policies
that
created
economically
disadvantaged
groups
and
class
of
persons
based
on
race
and
or
ethnicity.
C
So
attached
to
your
staff
report
are
two
Graphics
one
is
the
percentage
of
homeownership
disaggregated
by
race
for
Bloomington
and
then
the
second
one
is
the
homeownership
gap,
comparison
by
percentage
points
for
the
United,
States,
Minnesota
and
Bloomington,
and
so
what
those
just
show
is
where
we
are
currently
based
on
Census
Data
as
the
city
of
Bloomington
when
it
comes
to
home
ownership,
disaggregated
by
race
and
so
I'll
just
cite
quickly.
The
state
of
Minnesota
has
73
percent
home
ownership,
whereas
Bloomington
Citywide
has
66.1
percent
homeownership.
C
And
if
you
look
at
the
next
slide,
what
you
will
see
is
that
the
city
of
Bloomington
has
a
bigger
Gap
in
home
ownership
than
the
United
States
and
the
state
of
Minnesota
as
a
whole
when
it
comes
to
disaggregating
homeownership
by
race.
So
with
that
information,
since
1985,
the
HRA
has
partnered
with
Twin
Cities
Habitat
for
Humanity,
better
known
as
TC
habitat
in
the
building,
Rehabilitation
and
financing
of
18
homes.
Here
in
Bloomington,
those
18
homes
have
provided
long-term,
affordable
home
ownership
to
low
to
moderate
income.
C
Households,
tasty
habitat's
mission
is
to
bring
people
together
to
create,
preserve
and
promote
affordable,
homeownership
and
Advance
equity
in
housing.
So
the
HRA
would
actually
like
to
continue
and
expand
upon
our
partnership
with
TC
Habitat
to
increase
access
to
affordable
housing
and
close
the
racial
get
Equity
Gap
in
Bloomington
by
designing
a
strengths-based
strategic
Community
Partnership
for
qualified
Bloomington
residents
and
home
buyers
to
purchase
a
home
here
in
Bloomington.
C
Actually,
we
have
Twin
Cities
Habitat
for
Humanity
staff
here
to
provide
a
presentation
about
this
partnership
proposal
and
who
we
have
here
today
is
Charisse
Turner
Chief
program
officer
Robin
bites
Tim,
president
of
Twin
Cities
Habitat
for
Humanity
lending,
Inc
and
Danielle
Duncan.
The
director
of
equity
and
inclusion.
A
C
I
Oh
I
thought
it
was
loud
enough,
yeah
yeah.
So
thank
you
a
time
for
the
time
to
allow
us
to
speak,
to
introduce
you
or
in
some
instances,
reintroduce
you
to
Twin
Cities
Habitat
for
Humanity,
we'll
start
with
an
introduction
and
thank
you
Erica
for
kind
of
laying
the
groundwork
there.
We'll
work
through
share
some
of
the
work
we're
doing
in
community
with
community
and
actually
talk
about
kind
of
the
partnership
proposal.
I
When
you
look
at
twins
at
habitat
International,
we
are
the
innovator
in
the
space
and
actually
a
source
of
innovation
for
other
affiliates,
we're
true
to
our
values,
rooted
in
faith
and
Community,
inspired
by
hope
committed
to
anti-racism
and
driven
to
driven
by
Innovation.
So
if
you
see
on
the
screen,
some
of
the
kind
of
our
our
high
light
numbers,
but
since
1985
more
than
1600
families
are
homeowner,
Partners
have
secured
the
dream
of
home
ownership
with
us
through
our
programs
and
services.
I
Thousands
have
had
stabilized
housing
or
improve
their
housing,
their
finances
overall
quality
of
life
through
our
programs.
And
when
you
look
at
the
housing
Continuum,
it's
a
challenge
for
everyone:
emergency
Sheltering,
Supportive,
Housing
and
Rental,
where
we're
focus
is
on
that
home
ownership.
And
when
we
look
at
the
Ami
range
30
to
80
percent
is
kind
of
what
who
we
serve
and
in
habitat
family,
of
five
with
us
income
of
forty
five,
forty
two
thousand
dollars
a
year.
J
J
So
you
have
probably
have
met
some
of
our
real
estate
development
people.
We
are
the
program
Services
lending,
Finance
side
of
habitat.
So
thank
you
for
having
us
a
quick
distinction
too
Twin
Cities
habitat
like
Danielle
said,
is
one
of
the
largest
habitats
in
the
nation.
We
actually
have
a
staff
of
about
160
staff
and
every
year
we're
building
between
100
and
125
homes
a
year.
We
do
that
through
programs
and
services.
J
We
do
that
through
being
the
home
builder,
where
volunteers
come
out
and
build
with
us,
and
we
also
do
that
through
being
the
mortgage
lender
and
not
everybody
knows
that
about
habitat.
So
this
just
sort
of
lays
out
Twin
Cities
Habitat
for
Humanity
as
a
whole,
builds
homes,
coaches
and
prepares.
Families
provides
the
affordability,
assistance
and
down
payment
assistance
we
operate
restores,
and
then
we
created
this
mortgage
company
to
really
provide
affordable
financing
for
banks
and
other
lenders
that
really
weren't
connecting
with
homebuyer
population
who
we
work
with.
Historically
habitat's
population
has
been
very
diverse.
J
On
average
80
percent
of
our
clients
each
year
are
households
of
color
and
Charisse
will
talk
a
little
bit
more
about
how
we've
disaggregated
that
data
as
well,
and
then
the
mortgage
company.
We
provide
the
affordable
finance
a
30-year,
affordable
mortgage
sized
at
no
more
than
what
a
family
can
afford.
Thirty
percent
of
their
income,
and
we
also
partner
with
banks
and
others
to
really
give
us
the
capital
to
do
more.
J
I
K
I
K
Thank
you.
Thank
you
for
having
us
I'm,
Cherise
Turner,
the
chief
program
officer,
which
one
cities
Habitat
for
Humanity
and,
as
you
guys
can
see,
we
have
three
pillars
here.
The
first
one
is
for
us
to
expand
home
ownership,
so
we
need
to
build
more
right
because
the
need
is
there,
but
also
we
need
to
take
an
approach
of
ratio
Equity
advancing
that
racial
equity,
and
then
we
have
to
have
the
foundation.
How
do
we
sustain
this
right?
So
we
have
to
think
about
dollars
and
building
relationships
and
Partnerships.
K
So
thank
you
for
your
partnership
Erica,
because
we
are
in
the
different
space
of
of
of
of
a
preserving
homes
for
Bloomington
homeowners
as
well.
So
we
just
want
to
expand
this
relationship,
and
this
will
allow
us
to
really
share
with
you
guys
our
approach,
but
again
we're
taking
the
the
way
our
strategic
plan
is
is
designed
is
built
on
racial
Equity.
K
We
cannot
forget
what
our
challenges
are
and
if
we're
thinking
about
even
Public
Safety,
what
I
understand
about
Public
Safety,
because
I
ran
a
re-entry
program
when
people
are
they
have
stable
housing.
Just
imagine
if
you
take
it.
One
step
further
with
homeownership
what
that
does
to
our
communities.
It
builds
safer
communities.
So
that's
why
I'm
interested
and
how
do
we
expand
this
because
I
think
we're
all
concerned
about
Public
Safety
right
now,
but
I
know
that
this
is
it's
not
the
only
way,
but
it's
a
way.
J
So
in
this
area
of
advancing
racial
Equity,
there's
three
things
that
we're
doing
and
we're
going
to
talk
a
little
bit
more
about
our
special
purpose.
Credit
program.
Today
with
you,
we've
launched
the
Twin
Cities
Region's
first
special
purpose
credit
program
I'll
get
into
the
details
of
what
that
means.
J
In
a
couple
of
minutes,
we've
redesigned
with
sharisa's
leadership,
our
habitat
Financial,
coaching
home
buyer
preparedness
model,
offering
targeted
financial
assistance
more
flexible
mortgages
to
support
our
foundational
black
home
buyers
and
really
redesigning
the
program
curriculum
to
really
realize
that
one
size
does
not
fit
all
habitat
has
always
kind
of
provided
one
mortgage
and
one
coaching
program
and
one
path
to
home
ownership
and
with
sharis's
leadership.
We've
really
made
it
more
human-centered
person,
person,
centered.
J
J
Oh
boy,
okay,
now
I
get
a
little
technical.
This
is
my
affordable
housing,
Housing
Finance
background.
So
historically,
we've
faced
a
ton
of
challenges
to
affordable
housing
and
access
the
GI
Bill
redlining
deed
restrictions,
Jim
Crow
laws.
There's
a
long
history
there
of
discrimination
and
housing
special
purpose.
Credit
programs
are
an
instrument
of
providing
finance
that
have
been
around
for
a
very
long
time,
30
or
more
years.
J
K
J
But
within
the
last
couple
of
years
there
has
been
recent
a
clear
path
forward
between
HUD
who
manages
fair
housing
and
the
cfpb
who
manages
Consumer
Finance.
They
reconciled
legal
opinions
and
came
forward
with
some
very
clear,
groundbreaking
work
that
has
been
adopted
nationally
and
enthusiastically.
That
says,
if
we
can
point
with
very
clear
good
data,
that
certain
groups
have
been
disadvantaged
in
the
provision
of
credit,
either
not
been
denied
credit
or
received
credit
on
unfavorable
terms,
and
one
of
those
conditions
is
race.
J
We
can
explicitly
create
specialized
programs
to
provide
additional
supports.
So
really,
this
reconciliation
between
HUD
I'm,
getting
a
little
wonky
between
HUD
and
the
cfpb,
was
a
really
wonderful
path
forward.
To
say
that
we
can
do
this
and
we
can
do
this
legally,
and
this
is
the
right
thing
to
do
to
counter
this
long
history
of
discrimination.
J
K
So
I'm
gonna
pause
a
little
bit,
because
that's
that
here
it
is
habitat.
We've
been
around
almost
40
years,
38
years.
Our
affiliate
has
always
served
80
percent
or
more
people
of
color
homeowners
of
color.
But
when
you
disaggregate
that
it
was
pretty
telling
who
we
were
not
serving
well.
So
what
we
wanted
to
do
was
take
a
step
back
and
understand
what
is
happening
and
as
Robin
shared
with
you
guys
that
we
had
this
one
program
and
we
expected
that
individuals
who
are
coming
into
our
a
partnership
with
habitat
who's
experiencing
some
Financial
trauma.
K
K
Also
first
generation
college
graduate.
So
there
was
a
lot
of
things
that
we
need
to
understand
about
the
disadvantages
that
many
of
our
foundational
black
Community
are
coming
to
the
Twin
Cities.
We're
pretty
unique
here
right,
but
I
think
it's
important
that
we
understand
their
lived
experiences
and
what
this
amazing
partnership,
because
I
consider
myself
to
be
a
partner
even
which
one
cities
habitat.
We
were
able
to
really
think
about
what
is
happening,
but
also
create
a
way
to
solve
a
problem.
K
So,
my
goodness,
it
took
us
about
two
and
a
half
years
and
I
know,
there's
a
lot
of
conversations
around
George
Floyd's
death
and
how
people
were
moving
in
this
space
of
racial
Equity.
But
I
want
to
tell
you
guys
that
we
were
starting
to
have
these
conversations
way
before
then,
because
we
were
just
looking
at
our
data
and
trying
to
understand.
Where
did
we
go
wrong
and
don't
get
us
wrong?
K
We
served
a
lot
of
people
and
we
did
a
lot
of
good,
but
we
had
to
come
to
terms
where
we've
left
a
lot
of
people
behind.
So
these
are
the
things
that
we
have.
We
checked
ourselves,
but
we
also
came
up
with
a
solution
to
solve
a
problem.
So
I'm
excited
I'm
excited
talking
about
this
special
purpose
credit
program,
because
this
is
actually
the
first
time
that
we've
been
in
public
really
talking
about
it.
J
Charisse
is
being
modest
because
I'm
pretty
sure
you
were
in
the
Star
Tribune
the
Pioneer,
Press
and
public
radio
in
the
last
month
or
two.
So,
but
it's
it's
great
work
just
going
back
real
quickly.
So
what
what
the
data
tells
us
too?
Is
that
what
should
we
saying
of
all
the
groups
coming
to
Habitat?
The
largest
group
was
African-American
foundational
black
Americans,
but
they
were
the
lowest
group
ever
graduating
from
the
financial,
coaching,
home
buyer
preparedness
and
actually
buying
a
house.
We
disaggregated
that
and
black
households
carry
higher
debt
to
income.
J
They
don't
have
as
much
savings.
They
have
lower
credit
scores
not
significantly
but
lower
enough
that
it
really
disqualifies
them
for
traditional
credit
and
They
Carried,
more
deadlines
in
things
like
student
loans
and
installment
loans.
So
all
this
data
helped
us
next
slide
create
a
cohort
of
supporting
homeowners
in
the
habitat
program
we
have.
We
identified
91
families
who
were
stuck
in
our
program
who
were
not
moving
forward.
J
65
were
in
financial,
coaching
26
were
mortgage
ready,
but
because
of
income
and
household
size
they
just
weren't
affording
anything
which
is
where
the
down
payment
assistance
comes
into
play.
So
importantly,
we've
designed
a
program
of
additional
supports
from
coaching
to
underwriting
whole
point
in
doing
this,
too,
is
to
Center
this
on
the
clients
get
their
feedback.
Does
this
feel
different?
Is
this
working
for
you?
How
is
this
helping
you
in
your
home
ownership,
Journey
evaluate,
learn,
adjust.
Do
it
again
and
really
also
to
hold
this
up
as
a
model
that
we
hope.
J
Other
cities,
communities,
lenders
and
habitats
can
replicate
absolutely
I.
Think
I've
covered
some
of
this,
but
the
three
big
things
in
our
special
purpose
are
customized
Financial,
coaching
home
buyer,
down
payment
assistance,
and
this
is
part
of
our
Our
Hope.
And
our
ask
of
the
HRA
is
to
invest
in
this
down
payment
assistance
for
foundational
black
home
buyers
who
are
looking
to
buy
active
in
our
pipeline,
who
have
already
identified
Bloomington
as
their
top
Community
Choice,
where
they
would
like
to
live.
And
then
a
more
flexible
mortgage.
K
K
Bloomington
this
is
so
convenient
public
transportation
like
everything
the
jobs
are
here
like
who
don't
want
to
live
here.
So
we
have
a
117
people
inquiring
on.
Can
they
move
to
Bloomington,
so
we're
already
developing
a
pipeline
and
then,
of
course
we
can't.
We
can't
you
know,
serve
117
and
find
a
home
for
the
117,
but
those
that
that
can
move
through
the
program
and
to
keep
in
mind
too
is
that
we
want
to
focus
on
25
homeowners.
K
Every
year
we
have
two
that
are
currently
in
our
pipeline
right
now,
that's
Inc!
That's
in
the
application.
Phase
11
are
in
financial
coaching,
so
we're
hoping
that
they're
going
to
get
to
mortgage
Readiness
and
11
who's
already
mortgage
ready.
So,
as
you
can
see,
we're
already
on
the
path
to
achieving
25
potential
homeowners
right
here
in
the
city
of
Bloomington,
but
we
know
that
they're
going
to
have
some
hiccups
and
down
payment
assistance
is
one
of
those
challenges
that
a
lot
of
folks.
K
They
don't
come
with
a
lot
of
money,
but
what
we
do
understand
is
that
they
come
with
four
to
choose.
They
want
they
resilience
they've
overcome.
So
much
all
they
need
is
just
a
little
bit
more
of
some
assistance
to
help
them
achieve
home
ownership.
Habitat
is
in
it,
we're
in
it
to
win
it,
but
we
just.
We
just
need
some
Partners
to
really
help
us,
so
we
can
serve
even
more
homeowners
achieve
home
ownership.
So
this
is
really
what
the
ask
is
all
about.
We
need
more
partners.
A
G
J
J
Think
I
want
to
say
too
that
creating
the
special
purpose
credit
program
for
additional
supports
for
foundational
black
home
buyers
in
no
way
have
we
retracted
away
from
everything
else
we
provide
to
everyone
else,
so
we
no
one
is
worse
off.
We
are
just
providing
more
supports
to
help
this
group
be
more
successful.
H
Sorry
I
snuck
that
one
in
I
don't
even
know
if
that
was
under
the
wire
I
overall,
extremely
excited
about
this
and
I
know.
We've
we've
been
talking
about
moving
this
direction
for
a
little
while,
but
to
to
see
an
amazing
partner
that
can
help
us
realize
this
is
great
just
with
the
the
third
bullet
point,
I'm
just
curious,
so
with
the
funding
used
by
home
buyers
on
the
forgivable
basis.
I
I
think
that's
one
of
the
things
that
we
would
develop
in
the
mou
and
some
of
our
other
Partnerships
is
which
it
is
scenario
planning
but
I.
Think
overall
it.
What
we're
using
in
some
Partnerships
is
what's
a
more
important
kind
of
the
health
of
the
fund
or
supporting
that
family
or
household,
and
so
that
is
what
we
would
be
discussing
as
we
kind
of
figure
out
what
what's
best
for
the
mlu
and
belonging
to
him.
I'd.
J
J
Like
Danielle
says,
we
can
customize
this
habitat
as
the
real
estate
developer.
By
the
way,
this
would
work
not
only
to
buy
a
habitat
home
but
any
home
with
any
realtor
that
a
family
wants
to
shop
with,
but
even
in
that
open
market
program
we
often
are
partnering
with
that
family
saying.
If
you
ever
decide
to
sell
your
home,
we
would
love
to
buy
that
back
from
you.
So
we
can
make
that
Home
Affordable
and
we
actually
embed
some
of
that
language
into
our
mortgage
documents.
J
They
are
not
required
to
sell
it
back
to
us,
but
we
have
the
sort
of
right
of
first
repurchase
so
that
we
could
buy
it
up
do
a
little
bit
of
rehab.
If
the
home
is
needed,
depending
on
how
long
the
family
has
lived
there
and
then
put
another
family
in
the
home,
so
not
dissimilar
from
homes.
Within
Reach.
J
K
I
think
that's
important
to
understand
that
we're
going
to
ride
with
them
throughout
the
the
entire
home
ownership
experience
as
long
as
they
have
us.
So
they
got
that
mortgage
for
25
years,
we're
going
to
ride
with
them
for
25
years
and
the
moment
that
life
happens
we're
going
to
be
right
there
with
them
too
brainstorming
trying
to
figure
out
how
we
can
keep
you
in
your
home,
which.
I
I,
what
I
would
say
is
kind
of
which
is
really
important,
so
there's
one
thing
to
bring
home
to
a
family
and
a
household,
it's
another
thing
to
make
sure
that
they
can
afford
it
and
sustain
it,
because
I
think
it's
more
harm,
putting
someone
in
a
home
and
then
first
not
riding
along
with
them
and
supporting
them,
and
they
have
to
move
out
and
so
rebuilding
their
family
in
another
location.
So
the
post-purchase
support
is
just
as
important
as
the
as
the
pre-poses.
That's
right.
A
I
just
like
to
add
that
you
know:
I
I
had
the
privilege,
I
guess
to
watch
habitat
home
being
built.
I
worked
11
years
on
24th
in
Bloomington
at
a
Native
American
school
Center,
School
down
there
by
little
Earth
and
I
watched
kids
watch
this
process
and
say
someday.
That
will
be
me
someday.
That
will
be
my
home,
you
know
or
or
things
like
that,
so
it
it
stretches
out.
Besides,
just
that
specific
home,
it's
a
community
project
and
it
it
touches
more
people
than
I.
A
A
J
A
Have
a
motion
by
commissioner
Lewis
in
a
second
by
commissioner
Dole
blinger
Is
there
any
discussion
hearing,
none.
It
has
been
moved
and
seconded
that
we
approve
the
motion
or
to
approve
the
resolution
approving
negotiation
of
mou
or
Services
agreement
between
Twin
Cities
Habitat
for
Humanity
and
the
HRA
all
those
in
favor,
please
signify
by
saying
aye
aye
opposed
hearing
none.
The
motion
passes
5-0.
J
C
So
the
cmap
does
help
to
HUD
Target
monitoring
and
assistance
to
PHA
or
HRA
programs
that
need
the
most
Improvement
due
to
the
global
pandemic.
The
cmap
has
not
been
required
or
conducted
and
scoring
was
not
completed
for
fiscal
years,
2021
or
2020.,
and
so
the
last
cmap
certified
by
this
body
was
in
2019,
and
so
the
HRA
cmap
score
at
that
time
was
a
hundred
which
is
a
performance
rating
of
high,
and
so
at
this
point,
I
am
bringing
forward
the
attached
certification
in
your
board
packet
to
this.
C
A
I
A
There
a
second
second
it
has
been
moved
by
commissioner
Martin
with
a
second
by
commissioner
Mueller-
is:
are
there
any?
Is
there
any
discussion
hearing
none?
It
has
been
moved
and
seconded
that
we
approve
the
resolution
certifying
the
statements
of
the
attached
cmap
certification,
all
those
in
favor,
please
signify
by
saying
aye
aye
opposed
motion
passes
five
to
zero.
A
C
Thank
you,
chair
hooking,
so
what
you
have
before
you
is
a
request
to
approve
a
resolution
approving
a
2020
U
2022.
Excuse
me
you're
in
budget
adjustment
by
the
HRA
for
the
property
at
known
as
oxboro
Heights.
So
on
November
15th
of
last
year,
the
board
did
approve
resolutions
2022-28
and
2022-30
for
the
tax,
increment
financing
and
revolving
loan
fund
request
for
the
oxboro
heights
development
project
located
at
600,
West
93rd
Street
oxboro
Heights
is
a
proposed
125
unit
senior
housing
apartment
building.
C
The
project
is
primarily
located
on
a
vacant
lot
formally
occupied
by
car
wash
and
the
site
also
includes
a
vacant
Outlet
without
public
Street
access
and
illegally
non-conforming
single-family
home
of
the
125
units
that
are
proposed
in
this
development.
Nine
units
will
be
affordable
to
households,
making
30
percent
area
meeting
income,
23
units
affordable
to
households,
making
50
percent
area
median
income.
43
units
will
be
affordable
to
households,
making
60
area
meeting
income
and
the
remaining
50
units
will
be
affordable
to
households,
making
70
area
meeting
income,
and
this
project
is
a
tax
credit
project.
C
It
was
awarded
low-income
housing,
tax
credits,
but
using
income
averaging
is
how
we
get
to
the
70
percent
units
in
affordability
there,
and
so
the
HRA
board
is
now
requested
to
approve
a
resolution
authorizing
the
budget.
Adjustments
related
to
the
draw
of
funds
for
the
revolving
Loan
Fund
of
the
affordable
housing
trust
fund
and
the
expenses
for
the
oxboro
heights
development
project
and
I
can
stand
for
any
questions.
B
A
It
has
been
moved
by
commissioner
Lewis
seconded
by
commissioner
doblinger
to
approve
the
resolution.
Is
there
any
discussion
hearing
none
since
it
has
been
moved
and
seconded,
we
will
approve
the
resolution
approving
the
2022
year-end
budget
adjustment
requested
by
the
Housing
and
Redevelopment
Authority
in
and
for
the
city
of
Bloomington,
all
those
in
favor,
please
signify
by
saying
aye
aye
aye
aye
opposed
hearing
none.
The
motion
passes
five
to
zero
and
with
that
we
move
on
to
discussion
items
item
6.1.
Commissioner,
questions
and
comments
are
there
any?