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Manufactured Home Replacement Fact Sheet

                   Western Catskills Community Revitalization Council

MMHR Program 20203037

FACT SHEET

Work under this program will be limited to replacement of mobile and manufactured homes.  Scope of work will be determined after meetings with the applicant, WCCRC’s Project Manager, Housing and Financial Counselor, and Program Director, as well as any social service workers the Resident may have a relationship with.   Family members are encouraged to participate.  The Project Manager will write a Work-Write-Up which will be reviewed with the applicant.   Grants will be awarded for replacement only of sole and primary residences.

Homeowner Eligibility:

  • Property must be the primary, permanent residence of the homeowner. Unit must be sited on land owned by the homeowner within the service area.
  • Total household income must be at or below 80% of the County Median Income.

Residents of the Towns listed below are eligible to apply:

Delaware County:    Harpersfield, Kortright, Middletown, Roxbury, and Stamford
Greene County:        Ashland, Halcott, Hunter, Jewett, Lexington, and Prattsville,
Schoharie County:   Blenheim, Broome, Conesville, Fulton, Gilboa, Jefferson, and Summit

Households with income levels at or below 80% of the County Median Income (CMI) in which you live are eligible for this program. Below is a table of maximum income levels by household size per county.

Household Size Delaware County

80% Maximum Income

 Greene County

80% Maximum Income

 Schoharie County

80% Maximum Income
1 $45,500 $46,850 $62,850
2 $52,000 $53,550 $71,800
3 $58,500 $60,250 $80,800
4 $64,950 $66,900 $89,750
5 $70,150 $72,300 $96,950
6 $75,350 $77,650 $104,150
7 $80,550 $83,000 $111,300
8 $85,750 $88,350 $118,500

 

HOUSEHOLD SIZE AND HOUSEHOLD INCOME

  1. All persons living in the home, related or unrelated, will be considered as part of the household.
  2. All income earned by members of the household over 18 years of age will be considered as household income. We use Federal adjusted gross income figures.
  3. Income includes: Salaries, Alimony, SSI, SSD or SS, Veteran’s Benefits, Pensions/Retirement, Unemployment Benefits, Rental Income, Tips, Worker’s Compensation.

Anyone having a question pertaining to determination of the size of the household or determination of household income may call a WCCRC staff member to discuss it.

APPLICATION PROCESS

The application must include copies of all information requested below.  WCCRC staff will not make copies for you, and we cannot return originals.

All applications should be delivered in person when you come to WCCRC for your appointment (Do not fax, mail, or drop off the application and attachments).

You must always call the office at 607-652-2823 to set up an appointment before coming into the office.

Information needed with application:

  • Copy of most recent deed; be certain that the book and page number – where deed is filed – and the property description are on the deed. All people named on the deed will need to sign the application.
  • Copy of the last year of town (and village if appropriate) and school tax bills and paid receipts signed by the clerk – be certain that the section, block and lot numbers can be identified. County tax plans are accepted and must be current.
  • If applicable, copy of municipal water/sewer bills, showing that payment is current.
  • Copy of Federal Income Tax Form 1040 (2 most recent years) for all household income earners.
  • Copy of W2 forms (2 years) for all household income earners.
  • Copies of current pay stubs reflecting 1 month of pay for all household income earners.
  • Other proof of income (social security award letter, pension, etc.).
  • Copies of the most recent 2 months bank statements.
  • Copy of Homeowner’s Insurance (declaration page showing coverage dates and values)
    Proof of payment.
  • Asset information. Assets include: Checking and Savings accounts, CDs, Stocks, IRAs, Whole Life Insurance (not Term Life), pension accounts [401(k), 403(b)], pending tax refund, and property not connected to your primary residence.
  • Completed Mortgage Verification Form stating that your mortgage is paid up to date and the amount of the current principal balance.

When you have filled out the application and have copies of the required information above:

  1. Call WCCRC to make an appointment so that staff can review the application with you for completeness. If the application or documentation is incomplete, we will return it to you. You must make another appointment.  Staff will only accept your application when it is complete. When the application has been accepted as complete, and eligibility has been determined, we will discuss rehab needs.
  2. Set up an appointment with the WCCRC Financial & Housing Counselor to review your financial situation and ensure that you can continue to maintain the rehabilitation work done on your house, if approved.
  3. WCCRC’s Project Manager will set up an appointment with you to arrange a site visit and an inspection of the rehab work needed.
  4. WCCRC will prepare a Work Write-Up that will include the scope of work to be bid on and the contractor’s general conditions. The Homeowner will be required to come to the office to discuss the Work Write-Up, pick up the Work Write-Up package, and sign off that everything is as agreed at the site inspection.  The office is handicapped accessible.  If your house was built before 1978 it may need a lead test.
  5. WCCRC’s Program Manager will then schedule a contractors’ bid walk for the project so that all attendees may submit a bid. Homeowners who are contractors are not permitted to do work on their homes.
  6. All bids must be sealed and have the contractor’s name and the Homeowner’s name on the outside of the envelope. All contractors must provide proof of worker’s compensation and liability insurance.   It is a program requirement that all bids be complete and brought to the WCCRC office within 3 weeks from the date of the walkthrough.
  7. Once we have received the bids a date will be set for a bid opening with the Homeowner and contractor. It is mandatory that the Homeowner attend this bid opening.
  8. WCCRC’s grant programs pay for the lowest qualified bid, but the homeowner may select a higher bidder. If this is the case, the homeowner will be required to pay the difference between the lowest bid and the higher bid.
  9. WCCRC will prepare the contract paperwork for the grant award and the construction contract. You will be notified when paperwork is ready for your signature and you will be required to sign it at the WCCRC office, which is handicapped accessible.
  10. The contractor can then proceed with the scope of work within the time frames indicated.
  11. There will be a lien placed on your home after the work is completed. The lien will be in effect for ten (10) years. The amount of the lien will be equal to the amount of the grant. If the house is sold or not maintained within the lien period, the grant will be recaptured at a declining rate of 10% after completion of each year. When the lien is up, WCCRC will issue the paperwork for the Lien Release and send it to the Homeowner; it is the Homeowner’s responsibility to file that paperwork with the County Clerk.

Homeowner Responsibilities

  • You will be required to make several trips to the WCCRC office in Stamford during the You will need to make sure you call the office to schedule an appointment before coming because there are times when the staff is out of the office and you may make a wasted trip.  The office is handicapped accessible.
  • Your signature will be needed on a grant agreement, construction contract(s), several checks, forms, and paperwork during the course of the project.
  • A meeting with the WCCRC Housing Counselor is mandatory to participate in this program along with the participation in, and completion of, Homeownership Academy. The mission of Homeownership Academy is to help families applying for mobile home replacement grants sustain and retain their homes. This is accomplished by WCCRC providing a series of housing classes and individual counseling sessions that enhance common homeowner knowledge such as budgeting, insurance, taxes, banking, home maintenance, etc. These classes are designed to prepare homeowners for the changes that will come with owning a new manufactured home.
  • The WCCRC Project Manager will visit your home to determine what your project requires. After the Work Write-Up is approved, contractors will visit your home to prepare estimates.  The contractors will discuss options available.  All materials and fixtures must fall within the moderate price range.  Once we receive at least two (2) bids on your project, a bid opening will be scheduled.  You are required to attend the bid opening.
  • You will need to be familiar with all phases of the work being done at your home. This is your project and your contract with the contractor. You will be responsible for monitoring the work. If there is anything that you are not satisfied with, you need to make the contractor and WCCRC aware of it immediately­­––do not wait until the job is finished when it is too late to correct the problem.
  • The homeowner is responsible for obtaining the Building Permit and pay associated fees. The job cannot proceed until the proper paperwork is filed in the WCCRC office.
  • Any change orders must be approved and signed by WCCRC, the Homeowner, and the contractor before the change order work is started.
  • A final inspection will be done on your home by the WCCRC program staff.
  • If you live in Greene County, you will need to pay $100 to cover the cost associated with filing the note and mortgage paperwork with the County Clerk’s Office.
  • You will be required to sign a Property Maintenance Declaration (PMD) that will be notarized and filed with the County Clerk’s Office and commit to a ten-year maintenance term. The PMD states that during the maintenance term you will maintain the property in good operating order and condition; not sell, move, demolish, or materially alter the property without the prior written consent of WCCRC; and if rental units become vacant, they will be marketed and made affordable to persons of low-income and living with a disability.
  • You will be required to re-certify annually for the length of the lien term (ten years after date of final inspection). Re-certification is in the form of a letter attesting that you continue to occupy the home as your primary residence and that the home is being maintained in good condition. If the signed letter is not returned in a timely fashion, you will receive a Non-Compliance Warning and the lien will be frozen.
  • Title 18, Section 1001 of the U.S. Code states that a person is guilty of a felony for knowingly and willingly making false or fraudulent statements to any department of the United States Government.

If you have any questions, please call and ask before bringing your application to the office.

Western Catskills Community Revitalization Council, Inc.

125 Main Street, Suite A

Stamford, NY 12167

(607) 652-2823 x 102

When you have your application filled out and have copies of all the required paperwork,

call WCCRC to make an appointment to meet with the Program Director.

Please bring copies of all required documents when you come to WCCRC for your application review.

We cannot accept incomplete applications or make copies for you.