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Cent= ral MN Housing Partnership (CMHP)

Neig= hborhood Stabilization Program (NSP) Application Process

 

= •      =     Complete and submit NSP Application with ite= ms listed on checklist attached to application. Original application must be mailed to CMHP (available on CMHP website at www.cmhp.net)

= •      =     Make sure the required 8 hour Homebuyer Education course is completed.  This course must be taken by a HUD approved vendor (see www.hocmn.org/nsp.cfm for listing= of HUD approved vendors)

= •      =     Have bank/lender send us copy of income verifications and 2 years of income taxes with W-2’s if they already = have them

= •      =     Submit a copy of the lender approval letter which must show rates and terms of the loan (no subprime loans)

= •      =     Once the above are completed a preliminary eligibility determination can be made and a letter is sent out.

= •      =     When a home is locate in the target neighbor= hood submit a copy of the purchase agreement with the required NSP addendum which can be found on the CMHP website at www.cmh= p.net

= •      =     CMHP then completes the inspection

= •      =     CMHP will then order an appraisal if the hou= se inspection is acceptable

= •      =     After the inspection is Completed CMHP will = do the following:

= •      =     If Rehab is needed will develop the scope of work so the applicant can obtain 3 bids from licensed contractors – m= ust have selected bid before loan closing and contract executed.  No work begins until the loan is c= losed.

= •      =     CMHP has the SHPO review completed – t= akes up to 30 days

= •      =     CMHP completes the environmental review proc= ess

= •      =     If pre 1978 have to have lead based paint inspection – findings will be included in scope of work

= •      =     Rehab funds will be escrowed at loan closing=

= •      =     Once the SHPO review letter is back, the appraisal is back and shows the required 1% discount, the environmental rev= iew is complete and if applicable the rehab contract is executed then final eligibility is determined and letter issued.  Funds are then ordered/reserved for rehab and loan can go to closing.  = ;            &n= bsp; 

           &nb= sp;            =             &nb= sp;            =             &nb= sp;         

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Central MN = Housing Partnership 810 W St Germain St  Ste 303 St Cloud  MN  56301

        &= nbsp;           &nbs= p;            &= nbsp;           &nbs= p;            &= nbsp;           &nbs= p;  320-259-0393 fax 320-259-9590        =             &nb= sp;            =                   =       8/12/09

 

 

 

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