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HomeMy WebLinkAboutbocc.con.027.2010CONTRACT # Od�7 a� io AGREEMENT TO ADMINISTER RESIDENTIAL ASSISTANCE PROGRAMS THIS AGREEMENT to administer residential assistance programs ("AgreemenY'), dated for reference purposes on this IStday of �.�/ , 2009, is made and entered into by and between Pitkin Counry, a body politic within the Sta of Colorado, ("THE COIJNTY") and Funding Partners for Housing Solutions, INC., ("FP"), a Colorado not-for-profit corporation. R�CITALS WHEREAS, THE COiJNTY has created programs for providing assistance loans to employees of Pitkin County wishing to purchase housing within reasonable proximity to The COLJNTY ("Program"); and WHEREAS, THE COUNTY has allocated funds in support of such Programs and may enter inio conuactual agreements with other program participants; and WHEREAS, THE COi1NTY envisions expansion of the availability of Financial and supportive resources for the creation, rehabilitation and preservation of housing units to promote community and economic development objectives within iPs and sunounding jurisdictional boundaries; and WHEREAS, FP has special expertise in administering residential assistance programs similar to the Program aad is experienced in administering such programs in compliance with federal and state laws applicable to grant recipients, including laws applicable to government funds; and WtIEREAS, THE COUNTY wants FP to administer the Program and FP is willing to do so, and both parties want to set forth here the terms on which FP will perform such duties, TERMS AND CONDITIONS NOW, THEREFORE, for and in consideration of the monies to be received, the covenants and conditions set forth herein, and for other good and valuable consideratioq the sufficiency of which is hereby acknowledged, the parties agree as follows: 1. SCOPE OF SERVICES. FP shall provide a]] labor, services, equipment and materials reasonabiy necessary to administer the Program in accordance with the terms, wnditions and other provisions of this Agreement and of the investment agreements providing funding for the Program. Without limiting the foregoing, FP shall expeditiously perform and carry out, in a satisfactory and proper manner, the "Scope of Services" as described and set forth in E�ibit I, further described within the Program Criteria, set forth as Exhibit 3, both of which aze attached hereto and made a part hereof by this reference; and FP shall timely perfortn those obligations of THE COIJNTY noted within E�chibit I, the loan agreements referred fo above, copies of which are attached hereto as E�chibit 2 and made part hereof by this reference, and such other grants and loans which THE COUNTY may obtain during the Term of this Agreement. For purposes of this pazagraph only, and as ro E�ibit 2 only, notwitbstanding anything to the contrary stated e(sewhere in this Agreement, this Agreement may be amended by THE COLINTY giving notice in writing to FP identifying additional grant, loan and other agreements that THE COUNTY may enter into to fund the Program and such amendment shall become effective twenry-one (21) calendar days after such notice or upon FP's acceptance of funds originating from those additional sources, unless FP within that time gives written notice to THE COUNTY that it declines to perform the obligations contained in those additional grants, loans and other agreements. 2. PR0IECT PAYMENTS. a. THE COl1NTY shai] provide an amount to FP as set forth more specifically in Exhibit 1, which shall be used solety for Program loans. b. FP shall be compensated for its services by the following: FP shall charge each loan recipient(s) an Application Fee not to exceed $350.00 for each loan upon successful settlement of the purchase transaction. Application Fee may be adjusted from time to time, as dictated by various factors, upon written agreement to modify such fee by THE COUNTY and FP. c. FP requests for periodic funding shall be in a form acceptable to THE COUNTY and sha[I be submitted to THE CO(JNTY for review and approval. Requests shall be submitted with the qualification worksheet and supported and documented on the basis of ]oans for Pitkin County employee loans in process and reasonably expected to be funded. THE COi1NTY shall make a reasonable effort to wire funds to FP within seven (7} calendar days of the employee's expected loan closing date. d. In no event shall THE COUNTY be liable for the payment of any costs of performing the scope of services for which FP is responsible. Funding Partners for Housing Solutions, lnc. Page 1 4/27/2009 3. PERIOD OF PERFORMANCE. The period of performance of this Agreement shall begin on _ . 2009, and continue for a term of five (5) years, provided that the term of this Agreement and all provisions herein shall extend to and cover any additional time period during which FP remains in conffoi of THE COUNTY'S funds or other assets. THE COIINTY shall have the right to terminate this Agreement if FP fails to substantially adhere to the Scope of Services set forth in Exhibit 1, and otherwise in accordance with the terms of this Agreement. FP shall have the right to terminate this Agreement if THE COCTNTY fails to substantially adhere to its responsibilities set forth in E�ibit 1, and otherwise in accordance with the terms of this Agreement. 4. CONTROL OF FIJNDS. In adminis[ering funds delivered to FP by THE COIINTY and funds received by FP from program borrowers, FP shal] be acting as agent for THE COUNTY, and subject to THE COLJNTY'S instructions, determined at THE COLJNTY'S sole discretion. THE COIJNTY, in its soie diseretion may change Program Criteria by written notice to FP. All such funds shall be used only for the benefit of THE COLJNTY in accordance with the terms of this Agreement. 5. ACTIVITY RESPONS[BILITY AND REPRESENTATNES. All applicable invoices, statements, notices, inquiries, and replies shall be addressed and served upon respective representatives at the addresses below. The following individuals are designated for the purposes of this Agreement as representatives of THE COLJNTY and FP (or their successors or assigns) respectively: THE COUNTY: Pitkin County Tel. (970) Fa� (970) E-mail FP: Joe Rowan Executive Director Funding Partners for Housing Soiutions, Inc. 214 S. College Avenue, 2" Floor FoR Collins, CO 80524 TeL (970) 4942021 Fax (970) 4942022 E-Mail joe@fundingpariners.org Tha parties may change their representatives at any time by written notice to the other party. 6. INSURANCE. FP shall procure and maintain commercial general liability insurance, on a comprehensive form, in the amount of at least $ I,000,000 per occurrence and $2,000,000 general aggregate at its own expense during the life of this Agreement, which affords coverage for alt bodily injury, including death, and all claims for destruction of or damage to property and personal injury azising out of or in coonection with any operations or services performed under this Agreement. FP shall furnish I'HE COUNTY with certificates of insurance giving evidence of such coverages and containing a provision that the THE COUNTY shall be given thirty (30) days written notice of cancellation or material change of coverage. The certificates shatl be £led within ten (10) days following execution ofthis Agreement. 7. WORKER'S COMPENSATION INSURANCE. FP shall procure and maintain Worker's Compensation Insurance and Unemployment Compensation Insurance with the Colorado statutoty limits at its own expense and as required by law. FP shall also procure and mainhain Employer's Liability coverage in amount at least equal to the miniv(um coverage thresholds required under State of Colorado regulation(s). All volunteers used by FP in the performance of this Agreement must be covered under FP's Worker's Compensation Insurance or covered under a Medical, Accident, Death or Dismemberment Policy with limits of not less than the prescribed amount. FP shall furnish THE COLJNTY with cer[ificates of insurance giving evidence of such coverages and containing a provision that THE COiJNTY shall be given thirty (3D) days written notice of cancellation or material change of coverage. The certi£cates shall be t'iled within ten (10) days foltowing execution of this Agreement. 8. INDEPENDENT CONTRACTOR. In perfornting this Agreement, FP acts as an independent contractor responsible for calculating, withholding, and paying all Federal and State taxes and foc obtaining necessary and adequate worker's compensation insurance, general liabiliry insurance and any other insurance required under this Agreement. FP employees are not and shall not become employees, agents or servants of THE COLJNTY hereunder. FP and FP employees are no[ entitled to unemployment insurance beneFts unless unemployment compensation coverage is provided by FP or some other entiry, and FP is obligated to pay Federal and State income tax on any monies paid pursuant to this Agreement. 9. INDEMNIFICATION. FP agrees to and does indemnify and hold THE COLJNTY, its agents and employaes, harmless from and against any and all claims, ]osses, damages, injuries and expenses (including attorney's fees) related to or arising out of the performance of this Agrcemettt by THE COIJNTY or FP due to [he intentional or negligent acts or omissions of FP, its subcontractors, o�cers, employees and agents, in the performance oTthis Agreement. This indemnification shall survive completion of the Scope of Services Funding Partners for Housing Solutions, lnc. Page 2 4/27/2009 and termination of [his Agreement. Noihing herein shall be conshved as a waiver of defenses or immunities available to THE COLINTY under the Governmental Immunity Act. 10. COMPLIANCE WITH LOCAL. STATE AND FEDERAL LAWS. FP specifically agrees to comply in the performance hereof with all of the requirements set forth within local, state and federa] ordinances, codes, laws, rules, regulations, orders and guidelines that aze referred to herein and applicable to the Scope of Services or that may be or become applicable to the Scope of Services aven though not stated herein. The following federal ragulations aze attachad to this Agreement and are also incorporated into this Agreement by reference as Exhibits 4, 5 and 6 respectively: OMB Circulaz A-I10, "Uniform Administration Requirements for Grants and Agreements with Institufions of Higher Education, Hospitals and other Non-Profit Organizations"; OMB Circular A-122 "Cost Principals for Non Profit Organizations"; and OMB Circular A-133 "Audits of Institutions of Higher Education and Other Nonprofit Institutions". Comoliance with C.R.S. & 8-17.5-102: THE COUNTY shall not knowingly employ or contract with an illegal alien to perform work. Comoliance with C.R.S. & 24-76.5-103: THE COITNTY shall verify the employee's lawful presence in the United States and a photocopy of valid driver's license or other proof of lawful presence in the United States. The District, in its sole discretion, reserves the right to request additional proof of employee's lawful presence in the United States." 11. PERFORMANCE REPORTS AND RECORDS. a. FP shall prepare and submit to THE COUNTY quarterly a detailed Performance Report no later than fifteen (]5) days after the end of each calendaz quarter. Said report shall be in a format approved by THE COCTNTY and shall be directly related to the Scope of Services. The contents of the report shall provide data and information to THE COIJNTY to be used for coordinating, monitoring and evaluating the Scope oF Services to its completion. Failure to submit these reports shall constitute a material breach of this Agreement. b. All or some of the grants, loans and other agreements providing funding for the Programs require periodic reporting to or made available for inspection by the funding sowce. FP shall prepaze all such reports and copies shall be sent d'uectly to the funding source and THE COiJNTY. If those reports provide the information required by THE COi1NTY pursuant to subparagraph `a' hereof; then those reports shal! satisfy the requirements of that subparagraph. c. FP shall provide THE CO[JNTY a copy of is annual report with audited financial statements within thirty (30) days after it is completed. d. FP shall maintain records of funds received and disbursed, correspondence, loan applications, loans funded, promissory notes, security instruments, and such other records as may be required by THE COUNTY'S funding sources for the duration of this Agreement, and for such longer time as may be required by a funding source. In no event shall such records be destroyed or discazded prior to their being tendered to THE COUNTY upon the termination of this Agreement or as may be agreed otherwise, in writing, between parties. THE COUNTY, its funding sources, and, if applicable, state and federal auditors, shall have access to those records, with or without notice, in accordance with the grants, contracts and other agreements and in accordance with laws, rules and regulations applicable to them. 12. TERMINATION. a. Termination for Cause bv THE COUNTY. If, for any reason, FP shall fail to substantially perform the work requ'ved by the Scope of Sarvices under this Agreement or fails to ensure the performance of, by 1ega1 means if necessary, the work called for herein with such diligence as will ensure its completion, or materialty fails to comply with any of the terms, conditions, or other provisions of this Agreement which shall constitute a violation or breach of this Agreement, and shall fail to cure the default within fifteen (15) days following written notice thereof by THE COiJNTY, THE COIJNTY may terminate this Agreement by giving written notice to FP. In addition to the other remedies available to it, in the event THE COUNTY terminates this Agreement due to FP's failure to cure any default as provided hereinabove or due to FP's breach or violation of any covenant, agreement or assurance herein, THE COLTNTY retains the right and may, at its option, make written demand for repayment of, and FP sha]] immediately upon receipt of such written demand of THE COUNTY, repay all sums received by FP from THE COUNTY under this Agreement as of the date of said demand, net of loan disbursements pursuant to this Agreement, plus interest thereon at a rate equal to the rate established by the funding sources plus reasonable expenses incutted by THE COiJNTY, including reasonable attomey's fees incurred in recovering said sums. If THE COIJNTY does not prevail, FP is entitled to recover its attorney's fees. b. Termination for Cause bv FP. If, for any reason, THE COiINT'Y shall fail to substantially perform the work required of it by this Agreement, or fails to ensure the performance of, by legal means if necessary, the work called for herein with such diligence as will ensure its completion, or materially fails to comply with any of the terms, conditions, or other Funding Partners for Housing Solutions, Inc. Page 3 4/27/2009 provisions of this Agreement which shall constitute a violation or breach of this Agreement, and shall fail to cure the default within fifteen (15) days following written notice thereof by FP, FP may terminate this Agreement by giving written noticc to THE COIINTY. In addition to the other remedies available to it, in the event FP terminates this Agreement due to THE COLJNTY'S failure to cure any default as provided hereinabove or due to THE COIJNTY'S breach or violation of any covenant, agreement or assurance herein, FP is entitled to recover all expenses incutted by it as a result of the violation, including reasonable attomey's fees incumed in enforcing its rights under this Agreement. If FP does not prevail, THE COCiNTY is entitled to recover its attorney's fees. c. Termination for the Convenience of THE COLJNTY. This Agreement may be terminated by THE COUNTX at any such time in advance of the end of the Period of Performance. FP shall give THE COIJNTY written notice of any such termination at least sixty (60) days in advance of the effective date thereoF and shall state in the notice the reason or reasons for the termination and the effective date of termination. FP shall be paid for the documented direct and incidental termination expenses due to the termination as aze muwally agreed. d. Termination for the Convenience of FP. FP may terminate this Agreement at any time in advance of the end of the Period of Performance. FP shall give THE COIJNTY written notice of any such termination at least sixty (60) days in advance of the effective date thereof and shall state in the notice the reason or reasons for the termination and the effeclive date of termination. FP shall neither be paid nor be considered eligible for payment of termination expenses, incidental, direct or consequential costs or damages or loss of profits due to the termination. e. Records. Upon any termination of this Agreement in advance of its expiration date, undelivered documents, maps, models, photographs, reports or copies thereof prepared by FP or its subconuactors for use in performance under this Agreement, shall be delivered immediatety to THE COUNTY in the'v state oF preparation at the time of termination subject to the provisions of any termination agreement or order providing otherwise. FP shall also immediately notify THE COi1NTY of all subconuacts, purchase orders, pending ]oans or other commitmenu of FP which shall be outstanding on the termination date and shall take such action with respect thareto as the parties hereto shall mutually determine. No termination hereunder shall relieve FP of its responsibilities to maintain Scope of Services records in accordance with this Agreement. Reversion of Funds. Upon termination of this Agreement, FP shall transfer to THE COIJNTY all funds, notes, accounts receivable, and deeds of trust attributable to the Programs on hand at the time of termination. g. Ciose-ou[s. FP obligations to THE CO[JNTY shall not end until all close-out requirements aze completed. Activities during this close-out period shall include, but aza not limited to; making final payments, disposing of program assets (including the retum oF al] unused materials or equipment that is the property of THE COUNT'Y, unspent cash advances, notes, deeds of trust, security, program income baiances, copias of transferred records, and receivable accounts to THE COLJNTY upon close-out or upon THE COLJNTY'S request), and determining the custodianship of records. 13. AMENDMENTS. a. Either party to this Agreement may request Amendments to this Agreement at any time, but no change shall be binding unless it is mutually agreed upon by both parties to this Agreement. All Amendments shall be in writing and authorized prior to any work being done thereon by an executed amendment to this Agreement. This pazagraph nohaithstanding, additions to E�ibit 2 may be made in accordance with Paragraph 1 hereof. b. Any change in or new federal, state or local law, rule, Executive Order, Office of Management & Budget Circulaz, or regulation under which this Scope of Services is to be pezformed which may constitutionally applied to this Scope of Services and which, by its terms, is intended to be applied to this Scope of Services, shall be deemed to be incorporated into this Agreement. 14. INTEGRATED DOCUMENT. This AgreemenY including all e�chibits embodies the entire understanding between THE COiINTY and FP Tor the Scope oF Services and their terms and conditions. No verbal agreements or conversation with any officer, agent or employee of THE COiJNTY or FP prior to or subsequent to the execution of this Agreement shall affect or modify any of the terms or obligations contained in any documents comprising this Agreement. 15, NON-ASSIGNABILITY. FP may subcontract the performance under this Ageement in whole or in part; however, the responsibiliry for the performance of this Agreement shall not be assigned or transferred by FP without the prior written consent of THE COIJNTY, which THE COiJNTY may grant or withhold in its sole discretion. 16. SIJCCESSORS. FP covenants that the provisions of this Agreement shall be binding upon its heirs, successors, subcontractors, representatives and agents. Funding Partners for Housing Solutions, Inc. Page 4 4/27/2009 17. INCORPORATION BY REFERENCE. All of the parts of this Agreement and those which may become properly appended hereto, and all applicable federal, state and local laws, rules, regulations, circulars, Executive Orders and this Scope of Services, and any other document referenced for incorporation are inwrporated herein by this reference. 18. SEVERABILITY CLAUSE. The declazation by any court or other binding lega( au[hority that any provision of this contract is illega] and void shall not aflact the legality and enforceabiliry of any other provision of this contract unless said provisions are mutually dependent. IN WITNESS WHEREOF, the parties have caused this agreement to be duly executed on this � g�{'day of � Q,�" , 2009. u FUNDING PARTNE FOR�IOUSING SOLUTIONS, INC. �A,�o�frado Not-for-Profit Corporation: Joe Rowan — Executive Director Pitkin County A body politic in the State of Colorado: / �r G%"/ / . By; �f i r r�t�2 �-✓ c�uNr�i vn(� �2 Name / Tit�e Funding Parmers for Housing Solutions, lnc. Page 5 4/27/2009 EXHIBIT 1 SCOPE OF SERVICES A. THE COUNTY shall adopt all elements of the Programs and assume a leadership role to inform employees of the availabiliry and general guidelines of the Program and all other programs subsequenUy inrroduced under this agreement ("Programs"), whereas FP shall administer all functional aspects of the Programs, performing all those acts reasonably necessaty to fund and service residential assistance loans. This includes, but is not limited to: FP wil( receive funds from THE COUNTY for use in the Programs. FP will exercise reasonable diligence to safeguard such funds from loss or misuse, preserving those funds for the implementation of these Programs. FP may, though shall not be required, to maintain a sepazate loan fund, but FP shall be required to account For all monies received from or held for the benefit of THE COIJNTY. THE COLJNTY'S funding sources for the Programs include or may include public and discretionary funds as well as private contributions. The laws, rules and regulations applicable to, and the terms and conditions of, these respective sources oF funds differ. FP therefore must account for the funds received from each of these respective sources of funds sepazately. THE CO[JNTY shall be responsible for informing FP as to the origin and identity of all funds upon delivery to FP. Loans originated and funded under these Programs may be attributable to more than one source, as permitted under the agreement between THE COIJNTY and applicable funding sources and terms of the Programs loan are compatible with the underlying funding source(s). When it has sufficient funds from multiple sources to fund any given Programs loan, FP shall select the source in the order specified by THE COLTNTY. If sufficient funds aze available and THE COUNTY has not otherwise ]imited participatioq loan applicants may select from available Program loan term offerings, subject to applicant qualifications, compatibility with other financing sources and individual preference. THE CO[JNTY will deliver monies for the Programs to FP as needed for the Programs. As available capital allows, FP shall request funds from THE COUNTY for individual loan closings under the Programs upon presentation of payment request and supporting documentation to evidence the existence of such Program loans. THE COLJNTY will make a reasonable effort to process and deliver funds to FP seven (7) calendar days prior to the employee's expected loan closing date. FP shall coordinate loan funding with THE COLINTY to insure timely performance under terms of the real estate sales contract. FP will receive, review and accept or reject loan applications from, or on behalf of, prospective borrowers in the Programs, utilizing the Program Criteria adopted by THE COiJNTY. The Program Criteria are attached hereto as E�ibit 3 and incorporated herein by reference. The Program Criteria may be changed Gom time-to-time by THE COIJNTY, in its sole discretion, by written notice of such change to FP, with any such change applied to loan applications which have not been accepted by FP as of the date such changes are received by FP, or tha effective date stated in the notice, if any. If an application is accepted, FP shall prepaze all of the documents necessary to manifest the loan, THE COUNTY'S security interest, the conformance of the loan to the respective Program, and compliance with all applicable laws, rules and regulations, in addition to conformance with terms and conditions of the underlying funding source of the loan. FP shall coordinate with transaction participants to facilitate the origination of loans under these Programs. FP shall assist THE COIJNTY with public education regarding the criteria for these Programs, though THE CO[JNTY shall retain responsibility for such education. FP may elect to delegate its documentation and loan document presentation responsibilities to THE COiJNTY or other sufficiently qualified party in the transaction, though such delegation shall not relieve FP of the responsibility to THE COIJNTY for proper documentation and finai presentation. FP shall invoice borrowers periodically, when applicable, according to the terms of the loan agreement, receive payments, record transactions, deposit payments for the benefit of THE COUNTY, and perform all necessary accounting functions for such activities as may be required by THE CO(INTY or underlying funding sources, when appropriate. FP shall process the cancellation of evidence of indebtedness and release of security interest as loans aze fully satisfied. FP shall inform THE COUNTY of a borrower's default or suspected default of any term or condition of the loan agreement, though THE CO[JNTY will assume full responsibility for exercising remedies of default as specified in the loan and security instrument, including foreclosure or treatment under bankruptcy proceedings of the borrower. B. FP shall prepare those periodic reports as are required by respective funding sources, and deliver copies directly to THE COIJNTY. Funding Partners for Housing Solutions, Inc. Page 6 4/27/2009 C. All funds held for the benefit of THE COLINTY shalf be held in federally-insured, interest-bearing accounts, in compliance with Colorado law applicable to the investment of public funds. FP shall notify THE COiJNTY of the institution(s) and the respective account identification(s}. THE COLJNTY retains the right to approve such institutions, approval for which shall not be unreasonably withheld. In the event THE COLJNTY should become dissatisfied with a depository institution for any reason, THE COLJNTY shall notify FP in writing and FP shall transfer al] funds to an approved institution within thirty (30) calendar days of such notice. D. THE COtJNTY shall retain sole responsibility for determining eligibility of loan applicants under prevailing Program Criteria of those Programs covered under this Agreement. If FP denies an application for material reasons, FP shall deliver written notice ("Notice of Credit DeniaP'), specifying the reasons for denial and source(s) of any adverse verification, if applicable, to the applicant and THE COIINTY within three (3) business days of such determination. Prior to issuance of a Notice of Credit Denial, FP shall deliver to THE COiJNTY a loan Qualification Worksheet that demonstrates all relevant application detail and reasons for denial. THE COUNTY reserves the right to accept FP determination or approve any such application raquest through internal policy and procedure and advise FP of such final credit determination. FP shall abide by any decision rendered by THE COIJNTY and accept the application as compliant to the Program Criteria. Except giving Notice of Credit Denial, FP shall assume no responsibiliry with respect to THE CO[JNTY loan approval or borrower appeal where any appeal process shal] be determined solely by THE COUNTY. E. FP shall execute, as loan servicing agent for THE COLJNTY, security instruments, releases, conveyances, and such other documents as are reasonably necessary to document, enforce and release loaas and the securiry therefore, subject to the limitations and conditions of, and only to the extent authorized to do so by, where evidence of such power is demonstrated by the agreement herein. Funding Partners for Housing Solutions, Ina Page 7 4/27/2009 EXHIBIT 2 GRANT, LOAN & FUNDING AGREEMENTS Attachments to this E�ibit include: Progam funding ageements (if applicable) Funding Parmers for Housing Solutions, Inc. Page 8 4/27/2009 EXHIBIT 3 PROGRAM CRITERIA Attachments to this E�chibit include: BeneSt Description Loan Policies & Procedures — Contract Loan Servicing Funding Partners for Housing Solutions, Inc. Page 9 4/27/2009 I�:�_� I Cjfl l[! OMB CIRCULAR A-110 htto://www.w6itehouse.aov/omblcirculars/a ll 0/a 110.htm1 Funding Parmers for Housing Solutions, Inc. Page 10 4/27/2009 EXHIBIT 5 OMB CIRCULAR A-122 httn://www.whitehouse.¢ov/omb/circulars/a122/a122 2004.odf Funding Partners for Housing Solutions, Inc. Page ll 4/27/2009 EXHIBIT 6 OMB CIRCULAR 1-133 htto:/lwww.whitehouse.eov/omb/circutars/a 133/a133. ndf htta://www.whitehousc.eov/¢oodbve/944d4168ead4937e11473dc94060d968d8da71 a3 .html htta:l/www.whitchouse.eov/omb/circulars/a133 comoliance/04/04toc.html Funding Partners for Housing Solutions, Inc. Page 12 4/27/2009