The NPTHA’s housing rehabilitation programs are designed as a means to increase the livability of housing units across the Nez Perce Reservation. The four types of assistance that are available are as follows:

PROGRAM	SOURCE OF FUNDS	OWNERSHIP STATUS	INCOME REQUIREMENTS	CEILING AMT.*	REQUIREMENTS
NPTHA RENTAL REHAB	Nez Perce IHP	NPTHA	Very Low & Low Incomes	$35,000	Rehab to standard, housing & maintenance counseling
NPTHA MH REVOLVING LOAN	Nez Perce IHP	NPTHA	Low Income	$5,000 for repairs; $10,000 for addition	Major repairs, payments must be current, permanent residence, maintenance & housing counseling; additions based on occupancy standards & no available transfer.
NP HIP	NP BIA Contract	Owner Occupied	Very Low Income	$35,000	Rehab to standard, housing & maintenance counseling, $35,000 ceiling amount
NPTHA NON-HUD ASSISTED SR. REPAIR ASSISTANCE	FY 99 NAHASDA	Owner Occupied	Very Low Income & Low Income	$4,500	Senior Citizens only. Major repairs essential to health & safety of occupants

*Amount indicated is per applicant based on affordability analysis and funds available.

The application procedures and the standards for the above mentioned programs are basically the same. The NPTHA Senior Repair Assistance will require essentially the same process, although the repairs can not exceed $4,500 and are one time assistance only for major repairs essential to the health and safety of the senior citizen occupants.

Reconstruction is defined as building a new structure on the site, in approximately the same "footprint" of a previous structure. Reconstruction is considered replacement and is not permitted under any rehabilitation assistance.

Any tenant who is required to move to accommodate the rehabilitation of his or her unit (displacement) or whose rent increases as a result of the rehabilitation (economic displacement) is a potential candidate for relocation benefits. Rental assistance must be factored into the rehabilitation cost when relocation is necessary. This does not apply to assistance under the BIA HIP program and the NPTHA Senior Repair Program.

Priority 1-NPTHA Rentals: NPTHA owned rental units are the first priority for rehabilitation funds under the Indian Housing Plan funded through NAHASDA.

Priority 2-NPTHA MH Homebuyers: Mutual Help homebuyers are required to be maintained by the homebuyer. In the event that serious maintenance problems are identified that are not addressed by the homebuyer, depending on the circumstances, any of the following options will be used:

Priority 3 - Senior Owner of Non-HUD Assisted Units: Once all NPTHA units are brought to standard, owners of non-HUD assisted units will be served who meet the following criteria:

CATEGORY	ELIGIBILITY CRITERIA
Tribal Affiliation	Enrolled Nez Perce Tribe Member
Special Needs	Senior Citizen (55 +)
Property Location	On the Nez Perce Reservation (according to the 1855 Treaty)
Ownership Status	● Have fee simple title to the property; or ● Proof of Individual Trust or Tribal Trust ownership; or ● Maintain a 50 year undivided leasehold interest in the property; or ● Have shared ownership interest in the property.
Income	Can not exceed HUD National Low-income standards
Serviceability	Must permit inventory to determine unit condition
Counseling	Must agree to participate in home & maintenance counseling
Debt	Must have no outstanding obligations to the NPTHA
Residence	Must be permanent residence (at least 9 months per year)

The following property types will receive assistance according to the availability of funds:

3 Sr. Citizen-Owner Occupied A one family property, two family property, a modular home

The appraised value of the assisted property, after rehabilitation, may not exceed the 203(b) mortgage limit for the area for the type of property being assisted (single family, condominium, etc.). Verification of the estimated value of the property after rehabilitation must be provided before the work is started.

The cost of rehabilitation can not exceed the cost of replacement of a similar type of dwelling.

At the completion of each rehabilitation project assisted, the following minimum property standards must be met.

► that the house is safe, in a physically sound with all their systems performing their intended design functions;

► an energy efficient building & systems which incorporate energy conservation measures; and

Costs under the NPTHA Senior Citizen Repair Program are for repairs that are essential to the health and safety of the senior citizen occupants. This repair assistance is not designed to bring a substandard unit to standard condition. However, all repairs must be done in accordance with Section 8 HQS and the prevailing code.

Development hard costs are the actual rehabilitation costs for labor and materials for the following:

Related Soft Costs are reasonable and necessary costs (paid to a third party), including:

Costs under this program are for repairs that are essential to the health and safety of the senior citizen occupants. This repair assistance is not designed to bring a substandard unit to standard condition. However, all repairs must be done in accordance with Section 8 HQS and the prevailing code. Assistance is a one-time assistance for that specific repair. In other words, an applicant can only apply for roof assistance once. If the requested repair can not be done within the $4,500 NPTHA ceiling amount, it will not be done unless matching funds are secured.

• Roof

• Plumbing

• Flooring

• Windows

• 504 needs

• Energy Efficiency

• Electric

• Heating

Repayment terms will be based on the local design of the program including such factors as the income levels of the households targeted to receive the assistance and the homeowner's "ability to pay," the average expected size of the loan of rehabilitation funds and whether other rehabilitation loan funds will be used to leverage the NPTHA funds. Options for repayment of the NPTHA loans include but is not limited to

● in certain hardship cases deferred loans whereby the principal amount of the loan is forgiven over a period of time and after satisfaction of any stipulated conditions.

A well run Rehabilitation Program addresses the rehabilitation needs of individual properties and neighborhoods and requires close involvement with the homebuyer or homeowner receiving the assistance. The following table lists the minimum steps that must be implemented to ensure program success.

GENERAL STEP	INVOLVEMENT
Intake	Meet home owner, take a pre-application, determine type of assistance, explain program and counseling requirements
Initial Inspection	Schedule property inspection, inspect property, write deficiency list prepare detailed work write-up and cost estimate (scope of work)
Verification	Prepare and submit verification forms, order title search, order appraisal
Verify Home Owner Income	Prepare and submit verification forms
Schedule Counseling	Discuss during initial contact, insurance requirements, maintenance counseling
Finalize Agreement	Complete all application documents
Construction	Force account or conventional method of construction will be utilized. Activities include but is not limited to the following: Schedule construction, Mobilize force account crew, Owner preconstruction conference, Owner sign notice to proceed and scope of work,
Contracting	Solicit bids for electrical, heating, or other speciality items. Negotiate price and contract terms when applicable.
Construction Management	Conduct progress inspections, conduct final inspection, owner approval

The NPTHA will act as the contractor and perform and manage the construction work when using the NPTHA Force Account Crew with supervision provided by a qualified Construction Superintendent/Manager. Work will be inspected by a licensed residential building inspector. The NPTHA can also exercise the option to contract all work out. Specialized areas will be performed under through a contract in accordance with the NPTHA procurement policy. Work will be completed in accordance with Section 8 HQS and the Uniform Building Code. NPTHA is to use at no cost to the NPTHA, recipient’s existing utilities to carry out and complete work under this contract.

The work to be completed by NPTHA will be guaranteed for One (1) Year from the date of completion. Recipients of rehab or repair assistance must be informed that problems with any of the items covered by a warranty or warranty certificate must contact the supplier/manufacturer directly to obtain assistance. No part of any warranty will cover damage to an item which has been deemed damaged through negligence or by lack of maintenance.

All activities associated with the NPTHA’s Rehabilitation Programs must be documented. The following documents will be used as required. Additional documents may be developed and approved by the NPTHA Executive Director to track a specific requirement associated with a specific type of assistance. Tracking of documentation will be recorded on the NPTHA Rehabilitation Checklist designed for that particular program and can include, but is not limited to, the following documents.

● Property Inspection Form: Lists deficiencies and work needed (May use Section 8 Housing Quality Inspection Form

● Verification of Public Assistance: Verifies applicant receipt of public assistance

● Verification of Mortgage or Deed of Trust: Verifies presence of other liens on applicant property

● Preconstruction Conference Form: A statement of the understanding of the terms under which the work is to be performed and the responsibilities of each party

● Change Order Form: Statement that documents the need to change a work specification

● Certificate of Final Inspection: Indicates all work has been completed to expectations

Project monitoring is required only for the duration of rehabilitation work or the close out of a particular grant program. There are no long term monitoring requirements except for loan servicing, conditional grants, and where continued counseling is required.

Application procedures are to be developed and implemented by the NPTHA Executive Director. All application information is to be completed, processed, and verified utilizing forms developed by the Executive Director. Intake, processing, and verification procedures must be consistent with standard financing and underwriting practices. Additionally, applications for NPTHA Rehab Programs must indicate the income levels and any other special characteristics of the targeted population.

Involvement in the NPTHA Rehab Programs will require the NPTHA to apply practices and documentation that require an understanding of underwriting procedures and quality control measures. Underwriting procedures will be developed and implemented by the NPTHA Executive Director.