Housing Department

Jorge M. Rueda – Director

1634 South Laramie
Cicero, IL 60804
(p) 708-656-8223
(f) 708-656-8342
(e) jrueda@thetownofcicero.com

Notice of Bid for Emergency Heat Assistance Program (EHAP)

Welcome to the Town of Cicero Office of the Community Development Block Grant (A Federally Funded Program):

For information regarding the Town of Cicero’s Energy Efficiency and Conservation Block Grant Program, please click on the logo’s below:

Contact Information

Jorge M. Rueda – Director
1634 South Laramie
Cicero, IL 60804
(p) 708-656-8223
(f) 708-656-8342
(e) jrueda@thetownofcicero.com

Please click to visit this location for more information regarding the Town of Cicero’s Neighborhood Stabilization Program
Housing Program Questions
708-656-8223
Subrecipient Information & Technical Assistance
Jose Alanis
Assistant Grant Administrator
708-656-8223 ext. 13
jalanis@thetownofcicero.com

 

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CDBG General Information

Community Development Block Grant (CDBG) Program
http://www.hud.gov/offices/cpd/communitydevelopment/programs/entitlement/

Guide to National Objectives and Eligible Activities
http://www.hud.gov/offices/cpd/communitydevelopment/library/deskguid.cfm

Income Limits
http://www.huduser.org/datasets/il.html

HUD Requirements for Grantees

Regulations on Consolidated Plan
http://www.hud.gov/offices/cpd/about/conplan/finalrule_bookview.pdf

Provisions for Local Consolidated Plan Amendments
http://www.hud.gov/offices/cpd/about/conplan/localregprovisions.pdf

Provisions for Local Action Plan Submission
http://www.hud.gov/offices/cpd/about/conplan/localapprovisions.pdf

Environmental Review Requirements and Procedures
http://www.access.gpo.gov/nara/cfr/waisidx_04/24cfr58_04.html

Federal and HUD Regulations

Title 24 in its Entirety
http://www.access.gpo.gov/cgi-bin/cfrassemble.cgi?title=200424

OMB Circulars
http://www.hud.gov/offices/cpd/affordablehousing/training/web/crosscutting/administrative/uarintro.cfm

Subrecipient Training

Training Subrecipients and Subrecipient Oversight
http://www.hud.gov/offices/cpd/communitydevelopment/library/subrecipient/

Subrecipient Timeliness
http://www.hud.gov/offices/cpd/communitydevelopment/library/timeliness.pdf

Performance Measurement
http://www.hud.gov/offices/cpd/about/performance/

Playing by the Rules – Subrecipient Training Handbook
http://www.thetownofcicero.com/content/img/f215769/Playing_By_The_Rules.pdf

CDBG Eligibility
http://www.hud.gov/offices/cpd/communitydevelopment/library/deskguid.cfm

Contracting for CDBG-assisted Projects

Labor Standards; Davis-Bacon; Prevailing Wage
http://www.hud.gov/offices/olr/library.cfm#OLRLibrary,DB

 

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Town of Cicero CDBG Management Schedule

 

Program Year
Start Date
&
Orientation

Public
Hearing

CAPER Due
to HUD

1st Quarter
Status Report
Due

Program Year
Subrecipient
Applications
made available

2nd Quarter
Status Report
Due

October 1st

 December

January 1st

January 15th

April 1st

April 15th

 

Completed
Applications
Due to the
CDBG Office

AAP
Published for
Public
Comment

3rd Quarter
Status
Reports Due

Public Hearing

AAP Due
To HUD

4th Quarter
& Annual
Status
Reports Due

May 15th

July 1st

July 15th

August 1st

August 15th

October 15th

 

 

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Town of Cicero Annual Action Plans & Consolidated Annual Performance Evaluation Reports

2005-2009 Community Development Block Grant

2010-2014 Community Development Block Grant

PY 2011 Consolidated Annual Performance Evaluation Report

PY 2012 Annual Action Plan

2015-2019 Five Year Consolidated Plan

PY 2016 Annual Action Plan

The Town of Cicero, in compliance with Title I of the National Affordable Housing Act of 1990 is drafting its Annual Action Plan for Program Year 2016 for the Community Development Block Grant Program (CDBG). The plan will serve as a guideline for expenditures of federal funds during Program Year 2016. A draft copy of the plan will be available for public review and comment beginning June 23rd at the following locations:

The Town of Cicero – President’s Office
4949 W. Cermak Rd.
Cicero, IL 60804

The Cicero Public Library
5225 West Cermak Road
Cicero, Illinois 60804

The Town of Cicero Community Center
2250 S. 49th Avenue
Cicero, Illinois 60804

The Town of Cicero Department of Housing
1634 S. Laramie Avenue
Cicero, IL 60804

The Plan is also available online here: PY 2016 Annual Action Plan

A public hearing to accept comments on the Program Year 2016 Annual Action Plan will be held on Monday, July 25th. 2016, at 3:00 p.m. at The Town of Cicero Community Center (2250 S. 49th Avenue, Cicero, IL 60804). Also, at that time, comments will be accepted regarding the progress and activities of the Annual Action Plan for PY 2015. For further information contact The Department of Housing at (708) 656-8223.

Neighborhood Stabilization Program

 

 

 

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NSP Contact Information

Jorge M. Rueda – Director
1634 South Laramie
Cicero, IL 60804
(p) 708-656-8223
(f) 708-656-8342
(e) jrueda@thetownofcicero.com

Jose Alanis
Assistant Grant Administrator
(p) 708-656-8223 ext. 13
(e) jalanis@thetownofcicero.com

 

 

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Frequently Asked Questions

1. What is the Town of Cicero’s Neighborhood Stabilization (NSP) Down Payment Assistance Program (DPA)?

 

  • The NSP DPA program is a zero interest, deferred payment, forgivable loan offered to eligible applicants interested in purchasing a foreclosed home as their primary residence in The Town of Cicero’s target areas. The loan is 20% of the purchase price of the property up to $35,000.00.

2. Do I qualify for Down Payment Assistance?

  • The program is offered to all U.S. Citizens and Legal Residents of the U.S.
  • Qualification is also based on income. See the chart below for an estimate if you qualify.

3. Where do I apply to get the process moving?

  • You can apply at the Town of Cicero’s CDBG office located at 1634 S. Laramie Avenue, in order to apply you must first be pre-approved for a mortgage.

4. Can I purchase any home in Cicero and be able to get Down Payment Assistance?

  • No. The home must be foreclosed, vacant, and in one of Cicero’s target area census tracts. The Census tracts that are eligible are: 8133, 8134, 8136, 8137, 8141, 8142, and 8143.

5. Why can’t I purchase any home I want with Down Payment Assistance?

  • The Town of Cicero is receiving these NSP funds from the U.S. Department of Housing & Urban Development (HUD). The Town, in order to receive the funding allocation needed to follow Federal Guidelines in designing their program. One of these guidelines, was the requirement of a “Target Area”. Using HUD calculations including foreclosure rates, number of subprime loans, and risk of foreclosure, certain census tracts ranked higher than others. This ranking system created the “Target Area” of census tracts 8133, 8134, 8136, 8137, 8141, 8142, and 8143. Also, these funds are to be used to “stabilize” the housing market, and must be used for foreclosed, bank-owned, properties only.

6. How long does the Down Payment Assistance process take?

  • The process from application to closing could take anywhere from 3 months to 1 year.

7. Aren’t foreclosed homes all in bad shape?

  • Not necessarily. In fact, some foreclosed homes are in decent shape. Also, the Town will offer a second loan, up to $5,000.00 to correct code violations found at inspection.

8. How much Down Payment Assistance can I get?

  • 20% of the purchase price, up to $35,000.00

9. If 20% of my purchase price is only $25,000, and you offer up to $35,000 in Down Payment Assistance, can I use the remaining $10,000 for rehab work, or to pay down my first mortgage?

  • You can only use the balance for the rehabilitation loan.

10. What is the interest rate on the Down Payment Assistance?

  • 0%

11. Do I have to repay the Down Payment Assistance?

  • If you maintain the property as your primary residence for 10 years, you will not have to repay the loan. If you refinance, sell the property, or do not maintain the property as your primary residence, in the first 5 years, you will have to repay the loan in full. If you refinance, sell the property, or do not maintain the property as your primary residence during years 6 – 10, you will have to repay a portion of the loan.

12. What about the rest of the purchase price?

  • You are responsible to get approved and awarded a mortgage for the remaining purchase price.
  • Your total debt to income cannot exceed 41%. 41%.

13. What other regulations must I follow or complete for the Down Payment Assistance?

  • You must receive HUD-approved mortgage counseling and present the town with your certificate of completion.
  • The property must be free from lead-based paint hazards. An inspection of the property will be made, and if lead-based paint hazards are identified, paint stabilization by a certified lead-based paint contractor will be required in order to occupy the house. A clearance form is required prior to close of escrow.
  • The property must be brought up-to-code with The Town of Cicero’s building codes. An inspection of the property will be made, and a list of needed repairs will be presented to the home owner. These items will need to be corrected prior to close of escrow.
  • Your mortgage must be a fixed rate loan, with no pre-payment penalties.
  • Other regulations will be discussed during the application process.

14. What is paint stabilization?

  • An interim control method that stabilizes painted surfaces and addressed the underlying cause of deterioration. Steps include repairing defective surfaces, removing loose paint and applying new paint.
  • The Town of Cicero will offer a one-time grant up to $20,000.00 to stabilize all deteriorated paint identified through the visual inspection.

15. How much of a rehab loan can I get?

  • $24,999.00
  • All work performed must be bid out, utilizing Town of Cicero CDBG Contractors.

16. Do I have to take the rehab loan?

  • No, you can take care of the work yourself, which may save time and money if you are qualified to perform work on your own, or if you have other contractors you want to do the work.

17. Can the rehab loan be used to stabilize lead-based paint?

  • No, The Town offers you a grant to stabilize lead-based paint/environmental hazards.

18. Do I have to repay the rehab loan?

  • The same regulations of the DPA apply to the Rehab Loan.

19. How often are inspections/certifications made on the property assisted with Down Payment Assistance?

  • At least once per year.

20. How many households does the Town plan to assist under this program?

  • Currently, the Town estimates that it will be able to assist between 20-25 households. The funds will be at a first come first serve basis. The Town is also investigating the opportunity to increase these funds through Cook County and The State of Illinois.

 

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NSP Brochures

NSP Program Brochure

NSP Homebuyer Brochure

NSP Realtor Brochure

 

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NSP Income Limits

To qualify for NSP Funds, the applicant must be pre-approved for a mortgage, and must fall within the income limits of the program.

Example: Applicant is a married couple with 3 children (family size = 5). The maximum household income is $91,140.00. This household earns an annual household income of $78,000.00. This family qualifies for assistance.

 

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Target Area

Part of the program requirements was the definition of a “Target Area” to utilize NSP Funds. The area had to have a high number of foreclosed properties, as well as a high number of at-risk mortgages. Targeting funds to specific areas will assist the Town is stabilizing specific neighborhoods.

After careful calculations, the Town of Cicero’s Target Area includes Census Tracts 8133, 8134, 8142, 8136, 8141, 8143, or 8137.

The Target Area is seen below. Only areas in red are the Target Area where NSP Funds can be used:


 

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NSP General Information

In response to the national housing market crisis, and under authority of Title 3 of the Housing and Economic Recovery Act of 2008 (HERA), Town President Larry Dominick has designed a federally-funded program aimed at stabilizing Cicero’s Housing Market.

This Program, coined the “Neighborhood Stabilization Program” (NSP) will offer qualified homebuyers a 0% interest, deferred payment, forgivable loan if the qualified home buyer purchases a currently foreclosed REO single family in Cicero’s “Target Area” that will be used as his/her primary residence. This program will help stabilize the housing market through increased home sales, and by reducing the number of foreclosed properties within the “Target Area”.

Highlights of the NSP:

* 20% down payment (up to $35,000.00)

a. 0% interest
b. Deferred payment (no monthly payments)
c. 100% forgivable after 10 years (if you live in the home 10 years, you repay nothing!!!)

Also available is a loan up to $24,999.00 added to the Down Payment Assistance Loan to correct any needed code violations identified by the Building Department.

* Lead Hazard Reduction Grant

a. Town President Larry Dominick wants to ensure that the houses assisted are safe from lead-based paint hazards.
b. The town may give a grant of up to $30,000.00 to stabilize any identified lead-based paint hazards, and perform a clearance inspection.

Home to be purchased must be an “REO” property, be purchased at 1% discount from current appraised value, and be in Cicero’s “Target Area”:

  • Census tracts 8133, 8134, 8142, 8136, 8141, 8143, or 8137.

 

Are you qualified?

 

1. Program open to all U.S. Citizens or Legal Residents of the United States.
2. Applicant must be pre-approved for a mortgage.
3. Applicant must be at or below 120% of Area Median Income.
4. Applicant must complete “Homeownership Counseling” with CEDA and present
certificate of completion to the Town of Cicero.
5. Town of Cicero must go through entire pre-approval process with the Town of Cicero prior to making an offer on a property.

Town President Larry Dominick, and CDBG Director Jorge M. Rueda are excited about the possibilities of this new program. Obtaining a home that is affordable is an American Dream that can be realized through this type of assistance.

For more information regarding the program, application procedures, income qualification, etc… please contact the Grant Administrator / NSP Program Manager at (708)-656-8223, Ext. 17.

 

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Town Notice Regarding Emergency Heat Assistance Program (EHAP) for 2014

(Click Here for Full Letter) The Town of Cicero’s Department Housing administers the Emergency Heat Assistance Program (EHAP).

Applicant(s) must have No Heat and must be grant eligible to one (1) or two (2) unit owner-occupied properties where the applicant(s) current total household income is considered to be low as defined by the United States Department of Housing & Urban Development (HUD).

For immediate assistance, please contact the Emergency Heat Assistance Program at (708) 595-2809.

 

Quarterly Status Reports

1. QPR1
2. QPR2
3. QPR3
4. QPR4
5. QPR5
6. QPR6
7. QPR7
8. QPR8
9. QPR9
10. QPR10
11. QPR11
12. QPR12
13. QPR13
14. QPR14
15. QPR15
16. QPR16

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CDGB PY2008 Annual Action Plan

Each year, The Town of Cicero, under the direction of the CDBG prepares an annual action plan for the fiscal year entitlement grant it receives from The Department of Housing and Urban Development (HUD). The PY2008 Annual Action Plan is currently available for public review and comment. A Public Hearing regarding the proposed activities for PY2008 will be held on Monday, August 4th at 3 PM in the Town of Cicero’s Court Room. This action plan will be in effect from October 1st, 2008 through September 30th, 2009. You can view the draft PY2008 Action Plan by clicking on the link below.

Printed versions of the Annual Action Plan can be found at:

The Town of Cicero
4949 W. Cermak Rd.
Cicero, IL 60804

The Cicero Public Library
5225 West Cermak Road
Cicero, Illinois 60804

The Cicero Public Library (South Branch)
5444 34th Street
Cicero, Illinois 60804

The Town of Cicero Department of Housing
4949 W. Cermak Rd.
Cicero, IL 60804

Any questions or comments on this plan can be directed to The Cicero Department of Housing, (708) 656-8223.”

HUD approves Town of Cicero’s PY2007 Annual Action Plan!

Each year, The Town of Cicero, under the direction of the CDBG, prepares an annual action plan for the fiscal year entitlement grant it receives from The Department of Housing and Urban Development (HUD). The PY2007 Annual Action Plan was approved by The Town Board at the August 14, 2007 Town Board Meeting, and by The Department of Housing and Urban Development (HUD). This action plan will be in effect from October 1st, 2007 through September 30th, 2008. This plan represents the projects to be carried out in the third year of the Town’s Consolidated Plan. You can view the PY2007 Action Plan by clicking here. Any questions or comments on this plan can be directed to The Cicero Department of Housing, (708) 656-8223.

 

Provide Safe Housing Free from Lead Hazards

The Town of Cicero, as with all older communities, contains a large number of dwelling units containing lead based paint. Of these, 23, 577 or 94.9% were built prior to 1970; and this presumed that these dwellings all have lead based paint to some extent. In 1998, 62 children in Cicero scored a twenty or above blood lead level. It must be assumed, given the pervasiveness of the use of lead based paint, that 94% of the lowest moderate income families living in the Town of Cicero live in housing units containing lead based paint.

The Town of Cicero has a three prong attack on the lead hazard problem. First, is a screening program to identify children with high lead levels and get them proper treatment. Next, continue implementing an education program that provides information on what lead poisoning is, how lead affects children, the importance of screening and methods that individuals may undertake on their own for reducing lead hazards and advising on the effects of good nutrition. Finally, continue to provide CDBG funding necessary to implement a program to identify and abate the sources of lead-based paint.

 

Expand the Availability of Emergency Shelters for the Homeless

The recent economic recession and resulting layoffs compounded by a severe lack of affordable housing, lack of living wage jobs, and an increase in foreclosures has caused increasing hardship for families in Illinois, including homelessness. The Town of Cicero has been hit even harder with this problem than most communities, since it’s population is comprised almost entirely of minority residents, a large portion of which are living at or below the poverty level. Even minor, negative changes in an individual or families financial position can fore them into a homeless situation. Another major factor identified is the fact that domestic violence is a leading cause of homelessness among women and children. Half of all homeless women cite domestic violence as their primary cause for becoming homeless. Of women who become homeless due to abuse, 40% are not able to find room in a domestic violence shelter.

Due to limited resources, the Town of Cicero currently has only for emergency shelters. This is insufficient to meet the growing need. Additional funding needs to be found to add addition shelters. The possibility of applying for ESG funds from Cook County will be explored. Additionally, there are several not-for-profit agencies that could be encouraged to develop homes shelters in the Town. There currently seem to be some zoning issues relating to the development of emergency shelters. These issues will be explored and hopefully resolved.

 

Improve Service to Non-Homeless Cicero Residents who are Low-to Moderate Income and/or have Special Needs

Many of the social problems facing Cicero residents are related to the lack of funds. Unfortunately, social conditions such as mental illness, physical illness, lack of suitable housing, etc. are highly correlated with low household income. Additionally, there are many single parent families residing in Cicero, or two-parent families in which economic circumstances force both parents to work, resulting in many children bring left alone during major portions of the day.

We are seeking to make social services available for persons in need who have low-to-moderate incomes by providing support to public service activities that augment and enhance existing human service delivery systems located within the Town of Cicero and expand these delivery systems were gaps in services currently exist.

 

Strengthen the Community’s Living Environment by Making Improvements to Public Facilities

Many of the areas in which the development of new housing would be desirable, require improvements to be made to their infrastructure. Streets need to be reconstructed, business district revitalized, parks developed, sewer systems improved, etc.

Through the use of funding sources such as CDBG Program funds and TIF funds, make investments in infrastructure improvements to areas within the Town that could attract new housing development.

 

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