HomeMy WebLinkAbout2010-100
1
2
3
4
5
6
7
8
9
10
11
12
13
RESOLUTION NO. 2010-100
RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE
CITY OF SAN BERNARDINO: 1) APPROVING THE 2010-2011
COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG) AND
EMERGENCY SHELTER GRANT (ESG) APPROPRIATIONS
(EXCLUDING ANY REFERENCE TO THE ALLOCATION OF CDBG
AND ESG FUNDS FOR THE BOYS AND GIRLS CLUB OF SAN
BERNARDINO, BOYS AND GIRLS CLUB OF REDLANDS, TIME FOR
CHANGE FOUNDATION, AND HOME OF NEIGHBORLY SERVICE,
INC. ); 2) APPROVING THE FIVE-YEAR 2010-2015 CONSOLIDATED
PLAN, THE ONE-YEAR 2010-2011 CONSOLIDATED ANNUAL PLAN
AND THE 2010-2015 ANALYSIS OF IMPEDIMENTS (AI); 3)
APPROVING THE PROPOSED REALLOCATION OF 2005-2009 CDBG
FUNDS; AND 4) AUTHORIZING THE CITY MANAGER TO EXECUTE
AND SUBMIT TO HUD APPROPRIATE DOCUMENTS AND TAKE ALL
NECESSARY ACTIONS FOR THE EXECUTION OF PUBLIC SERVICE
CONTRACTS
WHEREAS, the City of San Bernardino ("City") is an entitlement city and eligible to
14
participate in the United States Department of Housing and Urban Development's ("HUD")
15
Community Development Block Grant ("CDBG"), HOME and Emergency Shelter Grant ("ESG")
16
Programs for Program Year 2010-2011; and
17
18
19
WHEREAS, the Mayor and Common Council of the City of San Bernardino ("Council")
desire to submit to HUD the City's Consolidated Plan 2010-2015 and Consolidated Annual Action
Plan 2010-2011; and
20
WHEREAS, the Council desires to execute Contracts to provide a variety of community
21
22
23
24
25
26
27
28
services with certain public service agencies for the 2010-2011 CDBG and ESG Program Year; and
WHEREAS, the Council desires to approve the Five-Year Analysis ofImpediments (AI) to
Fair Housing Choice; and
WHEREAS, the Council desires to reallocate 2005-2009 CDBG Funds as provided in the
Staff Report.
NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED BY
THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, AS
FOLLOWS:
1
P:\AgendasIResolutionslResolutions\2010\05-0J.10 COBO Roc MeC Reso Adoc
2010-100
1
Section 1.
That the Mayor and Common Council hereby approve the Community
2 Development Citizen Advisory Committee (CDCAC), Redevelopment Committee and Staff
3 recommendations noted in Attachment II and III attached hereto and by this reference made a part
4 hereof pertaining to the allocation of2010-2011 CDBG Funds and Emergency Shelter (ESG) Grant
5 and the 2005-2009 CDBG reallocation recommendations contained in the Staff Report dated May
6 3,2010.
7
Section 2.
That the Mayor and Common Council hereby approve the 2010-2011
8 Consolidated Annual Action Plan as attached hereto.
9
Section 3.
That the Mayor and Common Council hereby approve the 2010-2015
10 Consolidated Plan and Analysis of Impediments (AI) attached hereto and incorporated herein by
11 reference as though fully set forth at length with the exclusions of Boys and Girls Club San
12 Bernardino, Boys and Girls Club of Redlands, Time for Change Foundation, and Home of
13 Neighborly Service, Inc.
14
Section 4.
That the City Manager is authorized to execute and submit to the U.S.
15 Department of Housing and Urban Development (HUD) all appropriate documents and to take all
16 necessary actions to implement the City's 2010-2015 Consolidated Plan, 2010-2011 Annual Action
17 Plan, and 2010-2015 Analysis ofImpediments to Fair Housing Choice including, but not limited to,
18 the preparation and execution of CDBG and ESG standard Agreements with the respective public
19 service agencies, as prepared and approved by the City Attorney, a copy of which is on file with the
20 Agency Secretary, and incorporated herein by reference as though fully set forth at length.
21
Section 5.
This Resolution shall take effect upon its adoption and execution in the
22 manner as required by the City Charter.
23 //1
24 //1
25 //1
26 1//
27 //1
28 1//
2
P:\Agendas\Resolutions\Resolutions\2010\05-03-10 CDBG Rec MCC Reso Adoc
1
2
3
4
5
6
7
8
9
10
2010-100
RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY
OF SAN BERNARDINO: 1) APPROVING THE 2010-2011 COMMUNITY
DEVELOPMENT BLOCK GRANT (CDBG) AND EMERGENCY SHELTER
GRANT (ESG) APPROPRIATIONS (EXCLUDING ANY REFERENCE TO
THE ALLOCATION OF CDBG AND ESG FUNDS FOR THE BOYS AND
GIRLS CLUB OF SAN BERNARDINO, BOYS AND GIRLS CLUB OF
REDLANDS, TIME FOR CHANGE FOUNDATION, AND HOME OF
NEIGHBORLY SERVICE, INC. ); 2) APPROVING THE FIVE-YEAR 2010-
2015 CONSOLIDATED PLAN, THE ONE-YEAR 2010-2011 CONSOLIDATED
ANNUAL PLAN AND THE 2010-2015 ANALYSIS OF IMPEDIMENTS (AI);
3) APPROVING THE PROPOSED REALLOCATION OF 2005-2009 CDBG
FUNDS; AND 4) AUTHORIZING THE CITY MANAGER TO EXECUTE
AND SUBMIT TO HUD APPROPRIATE DOCUMENTS AND TAKE ALL
NECESSARY ACTIONS FOR THE EXECUTION OF PUBLIC SERVICE
CONTRACTS
I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and
11 Common Council of the City of San Bernardino at a j oint regular
meeting
12 thereof, held on the 3rd day of May , 20 I 0, by the following vote to wit:
13 Council Members: Aves Navs Abstain Absent
14 MARQUEZ x
15 DESJARDINS x
16 BRINKER x
17 SHORETT x
-
18 KELLEY x
-
19 JOHNSON x
20 MC CAMMACK x
21 ~~);J.~
22 Rac11e1 G. Clark, City Clerk
23 The foregoing Resolution is hereby approved this J1"" day of May
24
25
,2010.
26 Approved as to Form:
27
By:
28
~~ 1.-., 6/"",.1
3
C d<l IIIse/
P:\Agendu\Resolutions\Resolutions\201O\05-03-10 CDBa Rei,: Mec Reso A,doc
f-
Z
W
:;;
J:
~
~
>-
Uo
i .: w
a'E I:
c( ...2
-Et5
s:::fDU.....
~ m :aC;
Q, C Q,N
,,2cuC:Co
I>> en..........
i;oi~
c >.... >
u:!::C)LL
.-o~
E .. u
o.c.2
S.:m
uQ
w
...
-
"
o....c
:c~t'Cl
I!!"~
Q).r: ._
-0155
"''' E
~ffiE
-g~8
~ ffi.!::: 00
Q) c.. Q) Q5
13(1)=-0
~o-oE
CtI c: ~
.c CD c.. Q)
o.gEo
Q) C'-'"
ro '0 ~:s
.~ - ~"O
:s:gECU
tJ:e ~ ~
.e 5 a.'c
"C~.s~
Q) 0 <I) 0
~2:c-
'ii) 0 ~ E
Q) 0)- Q)
'0 :g 0=
.~ '> .~ t5
E e Q; Q)
co a. ~ c
o,l!f ~ 5
e:i2Eo
a. 00 Q).9
" "'
J::C:
-,,0
J::"-
;';:::: ~"C
~ (9 ::g
"c:"
~ (tI Q) c
" c:.o 0
.e~=f?
ro-::11>
a..ctIC1)Q.
"'~"'"
ctlQ)C19
.c..c:..2oo
~~~ Q)
C :J CD E
J!!cO:.or
"O(l)()t
"0. '"
0::0...:0..
o.s2-ro
..a.?;-lii 5
~'c():p
()Oc:C
OO=Q)"C
-;:::JQ)ct1
'-<(I-c
C) 0) ctl ctI
odc(f.l....
rn '(i.j co.e
>..:JQ)>-
S~=5S ~
c:
'"
E
2
'"
" ..."'~
& r--..m..
..c_~,.g
..2Q)0)~;;
u~<(t---r:
.!a en c..)c 0
.!:::>-~Q).J
"t'Cl~::>,CI)
odC3c~==c
(/)...... ~ '-=:: ,;!:-8
>.Lf)'O...:::;-....
ONQ)I-~ro
cn......a::a._C>
-
'"
'"
'"
-
'0 a.s
Q) :0:; Q) OJ
C ~.2 ~
'iZE.. ..,.g 'c (1)- ~ a.
...... _......n :J._ 0......(1)
"OC'CI.!a..a~ EEO""
tI) o,~ == _ E ctI.c = 'rti
:.:eg::B Oo,~a5(1)
~a..':=E:W ~e~~E
;~~~~ =a..~r;;::
g~8e~ .sct;=:g
.cC/)'Oc..c 1J)0.~.5=o
~ ~~~ ~~ ro;g crj'~;;
u:;::; 0)- CI) Q) C:lJu==_ Q)
L)'~'so 13 ~ ~ \-~ ai:2
:J-c EJ:9~.2: e'iB cnE ~
c..cccceoo-c.cCQ)....
gCtl~Q) >-c-:.o:iO)a.'
- c:cH::ctI"CCctlo5
c: ~~ 0.5:': 0 ffi ~ C'l (J)
Q)'-"'o..'Oc..... roC(ij
E"CroEroQ)enena.Q) :::J
Q)m..c:o~ro'-"EQ.Q)sen
c....::. oed ~ ~ 0 g'(i)"C
a...c:"' 0 0 "C en ro -a;"C f/) C
:::J ...... (f) ._= C :::J a. > ~;;:: ro
enroQ)rororo..c:cQ) ":;Q)
roE';:::EE ~OQ)"C"CQ)O
enQ)O JaroQ)oc..c:ffi
.- 0 ~ >. o~ e ~ ...... ro I- "C
E ffi...... g'2 (f) a. Q) ~ 5 .'3
~..c: en 010 a..c c:.;::::; E
OIC ~ ro1:.~ ro en.!2>c,S..::.::
OQ):':"CQ):!::Q)=en,SenQ)
a:.s:g ~E ~~~-8 ~ ~~
'-
"C> "
0", u
J:Oii:
ffiO 0
~ ."
ON c:
0.-'"
. '"'
0"" "
C c';::
~~~
~" '"
"'- "'
E:Cll::
"Ujll
"'~'"
c.E >.
'" '" '"
(/)c:o.
-';:: 0
00-
.g:a~
C3~~
"''' "
:E '> .c
c>e~.;
eda.>.~
(f}..c: en 0.
>..5:2 -g a.
~~.a~
o _
c: ~
" ...
'" N_
c: "''''
~ <(~
..o......Ud>
:::J Q) RO::>
u~g~
enen~c
:5:5 ro:13
C)O)C:J
O/l~:;;(/)
(f}Om ~
>.OJ C:.;::::;
0..... ro ro
m.....en-l
N
g ui
~~
-'0
'iijJ::
~ (ij 00
.~ 5,.~
:6.~ ro
w6rn
2lS....
JYEJ2
=EfO'
~eo.
'-0
.~ 01......
ro.~~
"EEen
"0 "
E C) "
8_.0
I!!-
>.=
~ OJ ~
~~~
a.oc:
. -"
- c:-
g~"
'032 m
....-0
o..t5u
c:
.~ LO
.!a ~
:E......~N
ffilE<(~
Q5~U~
..c: en R OJ
:; to""
-' c> .5 01
~ ~ "E .~
._ ~ ro"C
UoE"
(ijZQ):E
J:;-..:tmro
CI.t) c';::
Q)""roro
U_(/)::;:
~
'"
"
>
"
,,'-
c: "
",J::
iSi
'" '"
g .!2>
> > 00
""'E
'" c:
Q)J!l2
c: c: "'
0"'>-
, 0. '"
C.- C
....20
T ~._
Q)rom
c: 0. U
o "
",""
-8=Q)
.- en"C
> '" c:
e ~ '"
a.8.~
"' 0. '"
's:Jo
"'"'J::
C) 0.-
0._ (ij
> J:: "
~~..c:
o .
g"E'5
J::"o
UEC)
.~ c:
E i!!
~g
gt5 00
a: ~.~
","''''
cU(ij
.- .... (f)
.~ ,S ll::
~"' '"
1-.91i5
""" >-
c:"' '"
ro''r Q.
"Emo
,,~-
EO"
:t::"E~
2 " "
C) E "
"0.0
0:__
"I!!=
-,,~
"'" "'
u_"
o c: c:
~.2.a
<(g(9
::2clD
'-'-0
Bjgu
'"
-
-
'"
'"
'"
c:
o J::
:.;::::; ~
l:ii 01 ro "C
(:.~ Q) C
Q) f/) en ro
"E=Q)(:'-
'-..c: -:5 :J
g>~E"E
"'se"
'" _u
Q) ~ J!l1ii
"CroQ).....
'> (f) en C\I
o Q) en Q)
a~<(-:5
oro"E'"
......13Q).2
.!a Q) E "E
c..c: 0..Q)
~I-~E
ro..c: > Q) .
............Q)OIQ)
t5i5o~g>
ro >'0 Jg ro
O..::.::-..:t..:;..c:
a.!a E....U
g- ~ l2 ~<(
_ro-c....
(ijoE<(S
ffi;.2<Dg>
~~.~:a32
Q) ~ t: ~.~
'=13aE'=
">-
E '"
",,,0.
2~.s
"""
" >-"
c: "'"'
"'- "
0."
.?;-.!a .c
""
- =
rn,g .~
"' ~ '"
""'''
"'_ c:
~3..2
i:;-gC!)
"C C)lD .
ro cO en
E5U~
~>..2:
C)"C >':::J
l2 c g (f)
o..roQ)"C
"C:65-ffi
c: " c:
:J 0:.: en
0>' Q)_~
m...."C...
"CS-~
.... en 0 ro
ro Q) (f) en
~"E'"
C,.(f}....ro
::> .!a S 1i5
..... ii:L00)5 co
000 "0 .....-..:t:.;::::; ~
-..:t c:: v 0) C C
uON NC'\I"'fQ) t'-;-roo:
lD.....O)O Q)O)""" (: -..:t~en 0
en:m<(~ c..>ffi<(o::>'s """"""..t5
O:JOCDC-lU~C """NcC/)
enen ~~ -~.2;- R"E~ ~ Q).2..c
'sQigo::>-g=g.2.Qa> g.-;._
ro Q)'-~ ::::Is._............ ~<(.;:: UI
ub"E :Du.'o.."EJY g......u"C 0
genro......enf/)rocn"Ccn RO...Jg
"C E s-c 0 E ro Q)t)~O:: >,.-
<(OQ)IQ)IQ)gO::oc..c::!::"E
"C Z m ro -0 w m Q) 0)0.. ~ g..2: ~
=LOC...=LOC.cC,...."C(f}u...
B~~~B~~~~~~~~~
'"
...
c:
"''' "
Q)= CO
~'5.c
"'" "
o en ~
~Q)..c
~E"
O:.;::::;C
_c:'"
"""
~8~ ~
Q) ....... 0
'ro~l:iic
en.c"C.-
ro~cQ)
Q)'co Q).~
:E ~ g.;;
> CO "C C
l2.c ~ ro
0........ ::::I.....
.sg8~
,rQ ~ 0 Q)
..c._ .... c
C) ~" .
roQ)t)Q)
l2..cS~
0..'0 _.c
0. '. '"
ro"C (f)_
E3:;0
ro ~ Q) en
... > .... E
C)...... ffi.-
ero_t)
0..5 ~'>
"' " ~
~E.g
,,0>-
c: C) '"
t .~ 0..
iS~.9
c.Q (f)
" ~"
2lQ)S
">-
E~c>
~Q) 0 m
_"'0
~~o
E -a; en
Q) E ~
..cO=
........c::.;::::;
l3 E :::J
:2l2E
>- ~
e~OI
c..roe
,,-0.
C ro Q) .
.a:5.cl3
(f) c 1-.;::
~C ~ . ~
Q)"C(f}ro
-6 =.~ (f)
="5Ell::
.coroS
U......_en
'"
to
...
'"
~
.E
en ~ .~
~ .92
'> ro.a ~
13 (f}';;"[5
~~'~:e
~...."C ~
0" "
:.;::::;"Et).9
illuQ)'(i) Q)
~ "' '"
C) '" '"
~ ~ ~ as
"C....ro>
c: >- '"
ro""" c:=
~"U
roo-c~
c......= ro
.QLOn c
m ;- Q) 'co
g -s as ~ .
"Co..croID
Q) >':t E:.;::::;
l3-gastn:~
:Qro"E::::It)
> J!l Q) E ro
e"'5 U (f) ro
0.."C ~ "E C
E ro 0 Q) 0
~(5~2~
0).- E en ....
e 1B 0= 0
o..CI).c<(~
>-.
C) "'
c:" .
" "''''
::::I Cl3.~
"'- ~
c(ij~
=I..Ct1
"0 "'
0-",
edl3s
;0",
"'.-
,,> ~
0:';::::; 0
.- u-.;..
1:",>-
,,- '"
(/)"'0.
(ij .~ .9
"0 ro "C
0" "
(/)~"'
C) "
~~Q)
~en-!:.
Q)Cl)=
:t::~~
-'0"'
>-~"
= o..c
EE.2
~~(9
" "''''
..ceO
f- o.U
"
C) ~
.~ ~;
"C:N
C/)~O)
€<(<(
oc:U
~OEO_
'" c:'"
'ii) ~:e;J;
Z..l~J,
o~asgs
Q)Z CD_
EO) cO)
O""CtIo
:r:o::>C/)~
I'-
"
oS
~
.
E
.,
~
~
o
u
~
~
~
]
E
~
!
<
1
1
.
fi
j
!
1
4
,
~
~
"
;
.
o
'"
.,
-
'"
-
'"
'"
to-
-
ro t/'J -.r::.
15 .~r.5 "OCD.9 co CO~ ~ ~~
..c E'E c'OC CD-oC.... '0 CD 0) ~<o;;.~~ ~"O
:!::: roQ) CU'S:'- ~C:'-o. C:E.~ 2 .::~ 2.~
~~~~CD-O~ ..cm'O.,~ ~~~"O -~c~-~
"'-o'Yt/'Jro~~ mCD.- 0 cO)~~.~.,o U '"
-(ijL..uQ,)'(3o. OC-"-.,CD '2Q)Q.a. .-c:-:;:;I...... ~o~
mCD~m..cO=c: -~~..c= -..cE CD~~g~E~ tJ)cm
~..c ~-t/'J~m 'OOo~ co-"O c:.-~~~CDO ~CD~
'0 ..cm.r::. >0 CDo->= ~.6~5 CD>t/'J_>O).~ U"-~
:~~~~O)~:!:::€ CD..ct/'J~O ~~~.,~ ~e~c:CD~~ cmo
"Omoo~=-~ C:O'-_a. 00"-.;:: CDa.~CD'O~_ CDO)$-
~.,>t/'Je._~o CDt/'J,~5o CD (,) --o>~E'" 00
~>~~..c5=~ .r::.CDEo.~ ro~~c: ~E-~~ e moo
0._ u C'IJ ......- t/'J (l) -:; c..~'0"C ~ :2 .... .g .... =:; l3 a..E;: CD 0 ~i3 -5 00
~~~g1O~2= Q) ~tt1:ec: "Su.gc., ~:Ju-"'C(I)- :;(I)rno
c:o~~5.r::.mCD t/'JSUmCU 0"-0-"'- o'~~Q)~~ 0 ~_
00..- 0..... CD (,) '- t/'J., c:<{ 0.0)';;' ..... c: :>.L.'-"C ,,.... r, ",'.0_
U.,-'E.......c:;::;Q) 0.-'-(0 ctl CDE'- --...., ....
Q'OClQlQ)o.Q.C.c: .....S!CD-c: oE::~ _~tn >g>.r::. c::>'c
_->c:_ o_o=~ ~.6E~'~ -mo- C:'~-102=S E~im
.!Gn'05.r::.Q)C'lJfI) rot/'Jr-~o t/'J'-OCD ~IS.r:a.Q)O 2roCD
c: - > In"'" >. Q) ..." E '-~..c: -g ~ 10 as -;;; t/'J ~ >. -.bI r:::.6
"Oo.'5C).~moc~Eoc- ~~o_ oEmm~~._~c-~
"",crn.~~~~mE~.,'~e.~m m~oo~ c 0 omc~~~o
~_~ _0 ~ l:..~x= ~ R _~o~c'~c.::gO::JE-.,l::=oE:u
~om~ '~~c~~m=o ~~~~ E-"" _ c
'<:o~o~~~oro~u~~cc ~o~m ~ m ~ E-o ~
o_~o~~,~ -~o~'o.- o~-E '-ro>~OOmo m_~o
ro~<-~~~> -~-c rooc ~mm~ ~'~8~~ro-
~>~E~~~cgoSo.-S ~~~~~oo~o~~~ ~~~
~~~roS~~mE.~~~~~ ~~~mOrocmm~~~m>~mo
~ ~ ~ = ~ 0 c: mom m ~~ .....- ':;: ~ m > ~ - 0 ~ ~.- , t;:.: ~
~o~o~~~c~~~~~c ro~G~ro~~~-.~o~~~~~~
=~~~c~c~~~m~roo =~o~~i':;:c:oo~c:'-mc:m~
ro~-~ro~o ~ ,Ol:..'~., "'.,-um mCc:c:~~~~~u
~$i~~~~m~~mS~~~~~~'-E~~~~~~~~mEm'",-.
>~c:m~C:m-~-.,~ccrom>~~ ~~ro~8m~m~roSmQ
oSg~~g~~=comE~E~o~roE~mRo~~~~,~~~o~~
m~ro>~romo~'~~ '-c=m~ ~~o~Emo~~oo~E~
~~-N~--0~oro~~ro~~~mo2~co>~~m~cc: ro
~~e-~e.~~e~~meoo~~rnro~~~oo~~0e~roS~
E
2m-gl!2
.~~ ~.~
0'00 m ~
"i R~ 15
'" g>"' E
0:;.- ~ E
$32~~
c>co
~ ~ ~ 0
- 0._ ~
~ ~(9 0.
c~rn~
'm~O ~
~'S(jm
:= ~ ,g
S: ~ ~m
E .,.-"
-'<:::J
ro ~ ~ ~
~ 0 c c
o~ 0'-
e~~.....
a.. 'c~ ~
m..!. e ~
~ ro ~<Ii
~~~m
<( 0 _ ._
"E~c..
~mmo.
SE~~
c: -0 '"
m~ c: ~
:::?:~ro..e
0>
~ 0
"~o
-_ co
0~-v9
ccNo
:QmO)c:o
C:><(CXl
~<{UOl
~~ R Q;
........coc
>.~c:ro
=~~U
E .Q> ~ m
~J:c:~
l.1..>~m
~> m~
:t::L()rn~
00 c: E
CL()rom
~......oorn
<Xl
<Ii
.,
- .C:
~'O(9~
c:mOOro
_ ~O C1.l
co1SC:Ut=
., '"
~ 0 ._
m= m ~
~ m 0_
om ro 0
~ ~- c
m~ 0 0
~;~:e
c: '" >- 0
S~r-- ~
c ~_ ro
-Eo....
E~m -..e
m ~$ ~
~ocro
ro <( ro ~
u Co
<(m.-_
0':: m"'O
c: ~.,
.- 'm ~
E E '" ::J
m~s~
~ o~_
~eE~
Rm~ ro:>
C m .... C1.l
.c.... o~
o ~ ~ c
~ () ~.a
>- t()
E ~~
~ NO
ro 0)<.9
O-<(M
<(lHuCO
o~ ~~
.~ooo>
E;; .5 l!!
ro co"'E 0
m- ro....
~-Ero
R~ ~ m::C
~ $: /Xl ~
'CN C'C
Ooroo
~NOO~
0>
c: .,
~€~
E ~ ~
'" 0) '"
~c:-o
0':;: c
0,- ~
0.. ~ (9
Uern
~~O
E~U
= 0 cU '
8_.,,,,
'" ~ .,
~ E ro'c
o m~ ro
OO'-=oro
...oo~
Jge:c",
<{~~.l!l
- O-(f)
~,gso
~oo_
E Cf}~ ~
-"'~ro
m m -m 0.
::i'ffi::is
tl~tl-o
m.- m m
'_> ,_N
~ees
~ ~~ ~
~
o
..,.
UNN
c:_0>
-R~ <( ~
13 ~u-,
ro CD R 'E'
0..,0
E~.5.c'"
Q;oo"'E=
~= roE::JO
~L() '0
U:>mUr--
m>COm-
'- c='
eCXl~=C:O
~~oo$:~
o
-
,},<Ii
~:: .~
~offi
~~~ro
.- c m ~
.. ro ~t=
e.0).,.l!l
o ~~ C1.l
U-S~O
g~lH;
",., ",.,
ro >.c; C1.l
~ ~., ::J
m ~.o m
~..eS~
o~~=
()C~~
~ro~~
'S~.~-g
Om' ~
>~co-
c m 0<9
ro-cllJ
-e.S 00
::JoEU
,-",
E-gm~
~ 5g m
~'ii)~ ~
u:-8'~~
12
,g
~mgs (:?j
~ ::J
oc~NN
~~(J)~re
'-<{<{"t..
~mUNC:
o _~.2
g~g(ij1ii
=eg=e.~g
ro ~ro g...J
E.Q.E'-~
m~m~:t:=
llJOOllJ~>
CN C ~:SQ)
~g~~~~
-
~
'"
-
.<:
u
::J .
",1:='
'" '"
....:m~
'- 0;; c
.Eo':;:~
m ~:c -
000 C1.l
ro ~ ro m
o.E",E
~ 0 m ro
m"'~ 0
~ ~.:;: c)
~ 0 e c
ro ro 0.'-
~ -0
m "'i'"'C ro
~t=cm
.- 0 ~ '-
> -
e~~JQ
~rom~
o 0 ~ '-
_.<: U
~ ~ ro -
._ :> ~ m
..c '- >. 0
00 ro c
"'--o.l!l
00 '"
'- 0 L().-
~..c c ~
~om~
"''''0.
Effio~
ro=~O
... ~.- S:
~cEm
... m ro E
~......o
m:g O..c
..c:C~C1.l
I-o~ro
'"
-
c:
"'0.
(/)S!
c:.,>-
.- >~
m$~:5
..c c _ ~ ~
_mmo-
0"'C.~ ~'E
c~-~
.~~.Q.~~
~~J~~:5
~,g"9ro'~
::: ~~ s E
~..c CfJ -8 ~
-g,Q)$.;:: ~
E..c O~...
._-oE~o.
ro ~ e ~.~
~ ~_ Cf)
E~o'S~
m~-oE
~32~~~
oE~~~
~_:> C "..
o 0_'- ~
.-c=~C"
~o~cl:
:C~~C)
E ro c ~.-
u -.<:
ro~ro=ro+->
~ 0'::':: C
.--gc~C)m
E-:Cro_~E
~~ffiC:o~
o'-coE-
e~o:;~e~
~ Ern a.~.5
om .E
~ "i~...-g
~g"'C ~--g~~~
oroc 'm_rom
:a;mro co..c:::;~~
oCfJ~ ~~(Jm=
~~.~ ~gc:e-~
~Eg ro<(e:E;~
~~'S ..c ~o"'C~
c'C... S-gE~5m
~c3.E Oroom-=
o ~ ~= mSC9
.~~~ ~-vffiorn~
=;0 -..c~O~
.Q c- ~ ~~ ~U-g
OR'~~ =:C~~.;:,;,ro
~~~ ~crooo__
E5c..~~a3
~~~ ~t::~~~...~
m"'C- O~ctlOO'"
:s2~~ ero~..cm'~
~o~ ~~ro..cE~
o..S"'C ~ro2':s:~ro
~5 'rom:c:>...~
E~_ ~ o.:5':;:~~~
~'I::C9=OO c 0_ 0-
C)mllJ m._....!ao~
0- '+'-m~~..c
~"'EO~ro>~~oro
~ ()~OO=~ro~
.9i
8 c:
-v 0 t'~
"'o>~
0>8~
<( ,'c <(0)..
.CDU~~ ()~6
om -coE"'C R_._
..5~g-E~gg1ii
_oo._.g o~.- ~ U
0:6 "'E ro u~"'E 0
~<o~u~Sro~...J~
--E.-- (/)E.,,,,'"
U~mO.Ezm~:!:::~
SWllJa5o(J)rnro.~~
C-Vc:...-,MC-gUg
~~~~~~~::J~<(
'"
-
:2Nr--
..,.-0
",0""
O)co_
,
'"
E .E
l!!.<: >-
8'~~
u:ass
~:a ~
~ 32 Q)
e E ~
(9.><.,
:5'~ ~
~..!.~
o '" ~
>-0",
._-~
..ccc~
~.Q_::J u
'~- c
ro ~ C9 ~
~~rn~
CfJ~O~
-ro mu.~
c:.2 ""C
ro ~ ~ c
o ~- ro
'x E a5-
m CD"'C ~
.:::a:~~.....
ro':;: ~ -
'c eo.~
S ~o ffi
c:=..c-
U5'~~~
-
o
..,.
'"
0>
-<(~
roOOu C)
C..c ~ m
rot::oc
.~ ~.~ ro
m~"'E g
:::?:_~CCco
ro Cf}... ~N
.- m m CN
g~llJOM
1:;NCS..J.
U5~~~~
..,.
-
~
"
,
1<
~
"
"
o
v
o
N
6
"
~
~
!
<
i
1<
~
~
E
~
~
,
1<
"
<
il
~
~
~
~
~
~
.J:: 2'"
.2>_ ~ .- VJ
oI812 o~
c:;;.~"fi() ~'>~
o~~(I)6 <1)2-0
eo>o.c/ll cc..o-
Q)'-CUC),Q Q)<(;~
.oE $ o..:E 55 ..c u a..c
"Ccro"C ;~:c:ro
Q)Q)Q).-::J (fJ>-~~
EffiSEti lEQ)ct1
CI}_Q>.Ec> "C..&::o~
"""'~=c: >!f-.J::.:;;
c:5 co ctI:.c: ". 0 c::
'co en ~ () (.) 0 iii U> Q)
.to E Q) ~ ~ <(- .Q.~ :5
o:J.oE_u "c.-o
..... ()~>-
.~~Q)E.!: ::2roeo
o..'E::23:1ii >C5c..c
;!: a c>>~.~ ~~~~ (/)
>. Q5.!: Q) C'Cl en ;'..c::: U ~ g
..ccE-g~:=.oC)c 'C
"cQ)ctI-ro~"'C::Jro.,gctl
tDCf..9:!~ 0Q)e$~>
~..c:: c.~.9~ ~..c:+:l.... 92
'5'- VJ-o= -'S: as;;
-50:5 en c"o i3.~+:l= c:
ctI >.:J ro co c CO.f9 ~'E'-
e ~ g..s E ~ e c: _ ~.sa
0-:;::; Q)!!! ~ 0 Co ~ 0 Q) ctI
g. ~ g> g w ~ g-3~ ~ E :2 ~ ro"' g. cD II
CD 0 C)J::;':.S! Q) t:: ';:: 81::: 0'- C
..c:2cOXQ)..c:mctlc:ctI......
1-._ mCJ)W VJ I- 0.>._ 10..
as I>.:'
00 "
~~o "1,:.
o ro -d ,'!
..... <1)1
~~ Q5 ;.
.;: 0)1:= .
-(1)00.
~.- 1f):C
12~~~
~ ~ 'S; l2
~o:g.,g
CI)-roo
Q) 0 >. en
""Occ....
':;:s:! ro.e
O::3E>.
a.~Q)CO
>.J:: a.
Eo"'" 0
m..c:c:-
~ ~.;;; al
8' '" - '"
O:.!!! ~:J
c..E:~ tD
:2 ('tit::::
e - ctl ==
ctl Q) a.:;:
-E"OCI)
00....-0
..c:uoc
~.!: ~.a
'"
'"
"
ala>::
-6 :5:;:
....."CClJui
.......9:!-gQ)
~.- ::J (fJ
:5oJ:5!u.. 5.5
...... <DC) ~
Q)~mQ)
C)..c: 0 C)
So()~
=~E~
~." '" lit
e..,!.xo
ectl~"O
C) lE'x c
orowco
a:.,g(5$
1:) ~ 0 'ffi
.~c -5 ro
e Q) U) en
a.. "C..c: >.
c.a.Q'l ~
o"'I
t5-8ro.9
<( ",'E"
:5 o.E ~
:J:5 =:J
OC'\lOO11)
>-......()..o
~
oeo
u 'l:t<o
c: NO
""'~
- > '
tl<(<(;;Ij
.!!;" U t::
e 00 ROO
a.~gE
I:: :::C.~
.Q e ~:==
tl~E:i:
-<~CD..c:
..c:ZCDo.
:;Ol::~
~~~~
on
~
00 ooCDCD -
CDC=OO 0
C) ~oo "C 11)..... 0 I::
:6 ~ .~.~ '5 :0 ~ ~:i (5 ~
~t:Sc>- l3O'.....Et:5E~
~.-CDCD~ ::CD -00'-
o.R"-()"- CD.~~eoc..
>-~o 00 ..c:~.gro"C.g
..0 CD CI) . I:: ..... CD ~ 0 I::
CI):::iJ9ro >-"-o.....ooro
.- O-:J 00 ......
E~m~11) :CCl)CD'=::CD(5
CD ..c:._"C ~8~mgl::
:0 ui ~~'S: .c"C..c: ~,~
e ~l3- ea...... 0..2=~a CI)
o..cfl)c 0 C:CD'-W'-
CD Cl)OOI::I:: l3~~~._~~
...."Cro ~oo ~ ,...
=oo.OO:;:::;"C ~CDWC"'OO,
CI).QCI)'Ef3C1) ~:6rot:5.2l3
CI)>-:JCD'_CD ..c: R~""~O
~g..oREffi:e .2~5~E'2
:gCD~~~13 -!;CD,q,CDc:">lll
ro ~.- oOJ:!:! :;>::'-'
oCD=O'.... .20CDCD~=
.....E.QO'~.e .~..c::i=.....<<i
"CCDoroCD- _n CD
CD ~ R<<i CD ~ 0 g '5 ,sa g..c:
~ ~~ c :: 00 m.- 00 CI) 0 ....
..c:"CCDCDOO:V .:::"Eas~"C.Q
OOOC"COO..c: ooOOEo.CI)O>-
"'0,,>->->-.....,' CD..c:OO
'-000000 .!:!2cp:V-o::0. .
0.1:: c: C:"C 00 ooID..c:"C 000
o.o~O)<OO) ~c:(5rolfi""'O)
00_.... ~c:.21D!..c: 00 0="E.2
0) ro 0) 0) 0) ~ 0000 E'C'E 0 ~
..c:O)EEo.O) ...!..-e=oo:::CD
I-E 0)0) 0 oow<(o_o_ro 00
II
i
w
~
~
o
'"
~
'"
150
.J::c:
,,-
"",
'S: ....
e~
a."
.s~
"'"
.- c:
" '"
"",
:;j.~
u:=
,.,.9
.oU
C:';
~g
2-
.J::<:-
U2
'" c:
E! "
a.E
g.~
=2:
~ ::J
"", .
~ Ji ~
0) 00 ~
.J::".J::
f-Eu
"
.0
gm
'EE
0"
a..J::
"'-
~ ~
.E.E
,.,'"
oo.~
Q.:t:
0:;
- :J
~'5
'" c:
::J 0
.8:e
o
= a.
.j; '"
"'"
"c:
c: '"
.2uiE
(9.~ 00
IDooi5l
o-n
()ma
~
..,.
g C'\IC\I
.- 0) C\I
"E.....<(<o
"'iIluCP
E "- ~......
~Ci5g:;8
- .- 32
C:~"E 0
roC\l cu cu
<';1iiEffi
<(",,,-
WID"Q)
()ooc:c
~ororo
>00000
0..,.
~N
c: ~'l:t
0) 0)'1'
,,- '"
,-,0)<(00
~e",oo
._-~-,
c: 00 ~ f!
:J_Oro
E = .~ -e
E~"Ero
o 1ii ro ID
OO)Ero
O)~ O)...J
O)oID 0)
~ 'l:t I:: ffi
.......... ro._
u.......ooo
co
~
eo
~
..,.
'"
~
.g
,.,x
'" 0
a..o
0"C rJi
;ffil3
O)OO"Q)
"'c;; E
::J "
"E 0
.0 .J::
-ill'"
~,,~
CI)'S: ()
"Ceo
c: a.-
ar >-~
(9l:?0)
m"~
0::;;'"
() RCI) 00
ch<:-~
-"'''
1ij::2<o
f- .",
}/) ~ 0)
~:e 13
ro= I::
~:;.2
~
;ffi
Non
"'N
S~<(cD
I::s():;8
0) > __
U<(oE!
>- OO'~ 0)
~,,"EE
0) .... ro 0
::;;llEet:
~CI)~~~
~...... c: ~
~'l:tro~
~coen~
'"
M
'"
~
.g
"
"
'"
::J
"
.oc;;
=u
.~ :g
{JE
c:-
::J 0
u."
, '"
.2 ro
C:.J::
=0
U~
::J
"a.
1;;"
Uc:
'"
..c: ~rJi
=""
mg=
If!2:
<:-::J::J
oo~~
E.- c:
'1:: ui 0)
"-,,E
.C: a.
0) cu'-
,,_ :J
~"'O"
u.",,,
....
Oc:
..,. .-
N"
"'"
- :J
,,<( ~
~()~
en -'"
ON
>'C:::J
,-._~
u.Q"E.,::;
-=<<iroro
.::;; E" 0
00 0)000
~CDID~~
'l:t ._,
00Ct')c:..c:Ct')
...!..orooo,....
<(C\loooo'l:t
o
N
'"
~
<( g 00
.:e e ~
~"'" ."
0)._ c: 23 t..
~()8c:~
O)~ 0) e '5
_-..c:ro
l!?c::a.1ii
tj:'~ 0 .8
sgE~O)
e..c:~~:5
00- 00-
00 00 O)"C 0
.9 ~.~ S ~
.!:!2 ~ E E~
..c:O).EE....
&J E,~ 8 ~
O~ooCDo)
o..CDc....;:
o.<oO):i'-
CU'l:t ffi'~'~
E"CO'..c:....
~S~Q5~
0)=-0)0
eroo-o
0. 0 ::::: ~CI) ..0
=-"c::l!1N
~ 3 CD..c:~ ,
0)J9:~"C~
~ S';:'Q)~:g
O)"C CD..c: ro >
.J::f-Z="::..c: e
00_ 0 0 0.
.9
"
c: c: "
"", '"
"en ::J
18'5~
" -
'S: 00=
oc 5:
~ " '"
a." "
E.a I::
'" ",::J
~"u.
"'El9
E!om
a.uo
~.~U
==;:
1ijo~
c:- 0
._"C 0
.!9~..c:
OO:J 0 .
:JU)u)~
00 .~ z.~
.... 1::'- cu
.s :J () 00
coo-
0) _ I::.~
()OO:Cc
<<i~ffiO)
_.- I::"C
1::2:....>-
0) 0) CD ro
o Cl)lD 0.
]j
o
m ;;:
en Non
- "'..,.
o 0
CD-<(C\I
:JO)()'
C) ~ Rlt')
cu-oco
Q)00.~E2
...J:5<o "E ,~
~_tt1=C
I:: CI) E C
ro 0) CD ttI
-.;:i:men
'(;; 0 c:i
~ffi~cE
~
N
~
"
,
M
"
"
~
u
~
g
~
~
!
~
~
.
~
1
,
"
'I
~
1
~
'I
;;
i
;;
,
co
~
1l
.S:
"
"'"
g E
J5.@
"-,,,
e:"'S
'" E '"
C:OO....l
.Q c: a. c
.....c:-O)
rJ'ffi 0 E
:::I-1;)Q)
"C.S.- 0)
Q) CIJ ~ C\1
-5Eo~
'-"C () E
~c:=
c C'O'?:E
"" Ol
E > 5'ii)
o ".- ~
:i::c1ti>
""""
-cctl:Jc
"S: .s (B CUR
0_ "
a~.!t2.~
::E~:V
3: Q) Q) X
E 0)- Q)
rot!!a>........
.... :J (I) Q)
0) 0 0.-
o C,,) (.)"0
.... c:.2 c
a.. Q) 0) 0
'"
'E=
o ~
Q)~ II)
J::(ij-c
~C,)s
:!:::Q)--c
3: J:: (9 c:
U)::: en Ctl
~OO""""
P "U e:
~ - "
.!!l . E
.!.1 ~ E.9-
~roe5-
() c: CJ) Q)
(.) CIJ e R
+:i(/)a..~
Q) ctI >,'_
.c....oc..
.S! .s c: 0-
n c: ctI:J~
_Q)C(/)(tl
ro 0 liP.... 'i::
ro..c.....e$
z = a.. >.<<1
_ro-cCIJE
lI) Q) C 0._
n.OIctloCU
(f.ICI)-S
"C Q) Q)"C._
C:--(1)1;:
ctl Q) Q) (I) 0
(l)~.g:J::J
.....-.- Q) '0
Q..OQ.QQ)
~ 0
"so.>'V
C:JC'\l(O
mcO>U:;
~~<{'t
ro<CO'l"'""
.~ c: 6gs
"OClJc:-
" E " .!Il
~Q)""~
0-"'0
c co E
~~~.~
c:ocE
ro..... CIJ ('IJ
(l)C\l(l)Q..
N
N
'"
~
N
N
~
N
Ol =
c c.~ :>
Q) Q)':-: Q) ..::.:::';
E :.=ug> :g"ffi......s U)VJ
() ro't: >._ 'J:: c: VJ
Q) 0)'::'0 eUe:CIJ"'C .....o'Q)-
0) > R:!:: Co CD OCU"(i)'_CU
~ +:iVJC ('IJ"C-c -_(f.I(j)~
CIJ ~~OE .s~ffiffi CQ)Q).QQ)
EQ)a.'- CI) ~~c: ~~CI)"C(I)
(I)(/)2: '-OlCIJ rocua>co
""'0""'0 Q)CtJ'JC ...--0."'-
ffiUa.VJ~ ~'0E:B ~~:EVJ~
() . "'C.- o:J ctI CIJ Q) S :J Q)._
,,00 ~"al :C~'frE e: E E-g~
~ Q 'ii) -g "C C 01'- 0 0 ctl ex):!::: Q)
::1<((1)0)';:; oc:t::- +:io,o~c..
:>~c:e a~~'!: aie.....c::!::
"'-tn~c.. 0(1) Q)o>o..V'-w
Q)ImQ)~ ECIi=C:~ Q)Q)ct1
~ E -8 8 (lJ g ~ c: ~.s.~ c.. i-~ g> $
e3:~CIJ~'Ci)ai';e:~~~~Ge~~
o.oo.so'>,::.::,o o:JVJQ)a.o"O
OCBM'~~romo_'~~~Q)~
-'>VJ~L. _ocE~o-..o-VJ
VJ=Q)C~"O.c.O.E Q) .c. 0_
.- VJ ().~ VJS o~.- e VJ~:=:2 E 8
~c'~~~m~mg~.~'>~~e.c.
m ~ ~ O:J'~ ....~= l::S 0"0"00.0
e ~ VJ.~ ~-g ~j:i2 a.VJ c..S~.s VJ
~a.EiQ)-~ ~~~~~~0fi
"'0"E00C~2m~"O~00a.~
- 0-m....CC~c -O:J_
E0~m~....~&~~mE2~e0~
m~o~mo>._~OCmc00o~
0.- m"O t: - 0 0 0'::'::"- 0 ~ .... C :J
0~CQ)Q)CQ)t:JQ)SO~.c.Q)00
.....Q)roEQ)~~.c.ro"O~"On.....~gQ)EVJ
'Q..VJ c.... t-a.Q):>O VJ.c.a.roro
oS
<;; ~ m
'fJ ffi.~
ro....<;;=
= 0'- C
'~.c. ~~ .
_==mcU)
e: "ro 0) ~.9::1
Q) co.....
E.c.oo~~
Q)~:J"Orn
~E ~.~ ~
e: "E . ~ ro
m c ,_ a.
~0~OO
'" ,,-
mQ)~"O"O
ro 8 ~ e m
Uro~a.:J
-OC"OQ)
~ -.- m..o
-0-2: ~~~
a:I.3.s~
OOEroE~
o~Q)~c
<C0g-.2
-c5S~<9
ffi~~ro~
:E~~~u
~
<
ON
;:;;?;
'7....
<0'"
-<DvM
_iIloM..
~.bLO;:-C
'0-00 ~ LO.2
....~ 0)-
Q..~<(:a~
oo.oUS.3
g~aiO
<(="O<9.l:'
"Ow.oo~'>_
C,.... .... 0'- Q)
mCD~""u~
.c:,.....- .<-
_MO::O_OO
...
N
<9
CD
E.!:::O"O
ro Q) U c
0= ,ro
O"OQ)U)
a: fij ~.~
.... c..o ro
SQ)ro~
"Q)EoU)
.c.oE:t::
oo~._S
g.s!2 ~
+:1....>0
CQ)ro-
Q)~ C ~
~ Q) ~ ro
~~~a.
_0.00
.E ~ -
.!a ~ ~~
.~ &~ ~
UEO"
~S ~:: lli
~mc~g
8..:9 ~ U) e
Ee;;g-g~
~ c..~.2.~
N
o
...
N
"'M
....
<{<Xl
U'7
_M
o <Xl
Q) o.~ C2
VJ,...."Oc
:J ....~
oO)ro:1:::
I x E.....
0,,<9
CCDCD ro
o. _
:pac..::::
a. . ro Q)
On.oo>
'"
N
e:
o
0:.e
._ 0
Q) .~ a.
"O_um
'> ro Q) ~
e~-ro
o.Q).~a.
~~~.s
~OE"
E U) E m
E'-:J cD
f!:!.-.c u
O)oO)Q)c
1e'S: 1l:: ~
"a..s.E~ ~
"E6;U).~
~ l5:g~-g
I:J~_ro
Q) 0.Q (!) C
CD"O>CDQ)
m ffi.20.....
u 0)<;; u :g
.- c CD .c
0._ E c:: ro
>"'COO-
.... ~ "O:C ro
:J~:o::.cU)
~~~~i9
Q)"'CU)Q)U)
~5~~o
'5 ~
rn o~
U) ~ov
<( _~ <<:l
~ cDO)O::>
:J > 0;>
X <(<(LO
oo~ "0 U 2(
ro .::::::
o Q) 0 VJ
C .cCO
:0 ~:O.~
.... 0....=
ro ....roj!!
E ",.0: Eoo
~ ~ ,Q) ~
CD._ZCD"O
C~LOCC
~~5S~~
<0
N
N
N
'"
Ol"
c"O ~
:~.~ c.s:i2
~ c...Q VJ 0
~c!9~'E
00 c.- Q)
U) +:l Q) ~ E
. mE Q) a.
~.t:::! :J VJ 0
'rocu~Q)
U) m 0.- >
ro 2l'''O g CD
CDo~0"O
:9~ ~Q;-g
Eit--.:5 ro
c.. . ~ 0 ~
U) C "'C._
.s:5roffi.~
.!a 5~ 0 ~
"'CE~~.o
mvm.-,9..
:JC'\l.c.~~
.c.0I:?0:=:
u- ro_ ~
roa.Q)roU)
e:JU)t:_
a.o.o.s;! ffi
~:;.Q. ~.Q.
=5jviai'~
~E~gffi
>cE19a.
oe U)OO
CD'>~'ii).OO
~Cro0u)
t-~"Omro
.~
E ~o
ro 'P c
o 5j.Q
e-out::
a.c~&
U) ro CD ro
~ 0) > ....
.- c m 0
~:m~""
~ ~~ ~
,,~o.
~o -
cU55~
4J cii E U)
~Co-c
0::'00 ~ 5
~S.sC9
~= ~CD
'0 ro.-O
" "0.5 U
0.- ro
I~~-cicn
-ccCDQ)
ro ~ Q)o'~
5- E....~
+:lQ)>-COro
.- "0 0 a. U)
VJ.__ c
c > 0. CD:t::
eeE~19
l-a.~.oU)
e:
o '"
~ 0......
-cQ)V"'"
c:JC\JO)
:Jc0)9
o~<(~
LL.<(UC\J
~"O .-
ccgu:;
~~:oe
U .9> ro Q5
oI Et::
u..w~ro
Q)LOCDU
E",e:E
i=~~S2
....
N
~
N
0;"
Ole:
" '"
~~
.~ ~
-"'0.
" 0
" ~
",0.
~"j
'" '"
,,-
:9>-
>=
.- E
~~
,,-
'" 0
0'"
.<:'"
-OJ
e: ~
0'"
U).~
B ~ ~
J2Q)Q)
~=
._ ro ro
~.~ E
~U)~
VJ Q)._
0" "
0..- C
o ~ '"
~ " e:
Q..U)t;:
e:
0"
~::
~= .
o co :: 0
- E "
U)-~ VJ=
~a.-g
.~ ~.a ~
Q):P<9"O
0~CDC
~eOro
O)Q)U 0
(],) U .~
;ccnro
~ 8 ~~
-;~~~
Q) (],).- 0
:g:s:::::c
> ro m 0
Ie~:;'e
a.. co--
cJC)E....
:~ ~ ~ .E
o15-gro
".,'"
<(eC)o
- (],).!:-
~.~~~
~~~~
<Xl
N
~
!
M
"
o
.
o
u
~
~
~
]
,
<
j
1
]
"
~
~
~
!
..
~
~
f
;
~
Cl
z
o
Z
:::l
u..
0::
o
u..
o
w
o
z
w
:::!:
:::!:
o
o
w
0::
I-
o
Z
tI)
:::!:
~
Cl
o
0::
ll..
0",
c(..
00
c"
Olll
'C
'CS
::l III
0'"
~g
0::
-
..
'"
"e-
ll.
-
o
'"
Q.
>-
I-
.S; 0
"'~
~fO'
",0.
0.0
~-
0.",
X"
S!!j
" "
E.c
8:;::
.S; ~
~ '"
0",
-c:
0"
--
1'l<.9
c:m
So
.!:a ()
'"
~ en
~ E
",.a
.:;: ~
o
~ X
o.s
"
0"
.H
'" 0
"(i.i c
",.-
<("
xro
~U5
"'"
E c:
0'"
g]! 1::
:::Q)~
""'",
.s~c
c: Ol '"
..:!!C0
O'C Q)
> m=
Q)c.~
.s::e:J
I- 0. '"
o
z
'"
c:
o
.t::
1I.
+>
..
..
-
c:
o
o
>-
..
c:
'"
~
O?
~
o
o
o
<Ii"
~
...
-
o
~
:c
.l!l
.n;
>
'"
"
=
.9
"
"
'"
c:
o
~.
ox
=cu
g+-
"'.8
'" ':;
"I-
G; '"
~ ..
"''fi
l'l "
.- '"
~ "
" '"
'" ..
_.c:
'" 0
.c:~
- "
_0.
~5
u"
()E
02
() .f:
"
"j;j=
'c .~
" >
0",
.e~
c: "2:
@ m
'" "
" "
0::.:=
I'-
e >.~
=6~ro~'V
~ ~
'" <('"
E"'u'"
Q) ll. ~~
lD..z;.OM
C'(i.j .!:~
roQ;'E~
(J)>ro:J
S'cEo
S:J"u
CJ)olDQ5
-aCe
CULl) co (tI
UL{')CI)....,
~
" '"
E'"
o c:
0.2
.~ C!)
~m
00
-u
"
g>cIi
Ol'"
c: "
"lji
'"
,,2
c: "
'" E
o
~.c:
"-
~ 0
0""
0.",
E'c <1i
Q)-g
'" l!!
o ~ "
-.Q(I)
-c -g.!:
~m-g
.2> ~ ro
"'" -
~"'ffi~
E'a.
.!a ~ g.
E E:? tn~
~ co ~
en o'c
e.c: '"
a.3:Cij
",CIl
","~
o=s
"'E",
gs co
> 0.
""'0
<(c:_
"'",
'" "'''
~~ ~
a3:g~
E.~
0"'0:;
J: .E 3:
'"
~
o
o
o
<Ii"
~
...
.c:
~
'"
"
o
'2:
"
'"
Ol
c:
~
.x
" .
--
olii
g E
:;:::l8,
l'l '"
=1::
0.'"
-5E
'" ill
E:? ~
" ~
~ "
",=
" "
0.0
'2: al
"'"
(1)':;:
roe
=0.
_ '"
"Q)g
-<(
U'"
()~
0'2
U::;
'"
~ J:
"'-
'c -g
~'"
~CIl
.EQ
c:<(
@-g
~~
0::-"
Q) co;g
:J.....<O(I')
c:~o
Q) f'-- C'\I " Q)
.a:......cc
0'.l~.5! ro
c<:("d"1Q...J
o '"u~
CIl.E"'U 0 0
o _c:.....c:
-ro-o
<(Igl-~U)
:=>Ectl:;~
:5:> Q) .tL_ c
8~~'~~ ~
LLNU::;_O
N
~$
en ~~
roQ)o
">Ol
"'''c:
's; _:;::::I
:a=~
c: c:"
.- 0 a.
'" E 0
'" '"
"'" c:
CDQ)m
Eo'"
o C:"
J: o'~
,,"'-
2: Q) m
,,"5_
",.0 0
_Ec
=CI)O
~'5'E
E"'8.
~ 8 ctl
OlLL ~
e .E
a.. ci> >.
c.!: ~
:2~o
"0-
.c.c:'"
"C: "
in E.~
.- co=
OE:?"5
-g~.8
~ 'm:=
E ~
0/50",
c'E-g
.Q'- :J
-""LL
ai~C.9
a;..cm
~EO
o.."u
~:5>.
~ C) ro
"c:"
E'- 0
o.Q.Q)
I~~
~
~
o
o
o
<Ii"
;;;
15
c:
'"
~
.c:
"E
o
E
'"
"
~
"
c:
o
'"
"
o
'2:
"
"'
b
~
:c
'"
'n;
>
'"
"
=
ro
=
~
-
U.
<(",
U'"
oC:
u.2
..<.9
(ijm
.-0
liiu
0-
~ 0
0"
~"'
c: "
0_
'" '"
'" "
".0
0::",
~c:oo
00;:1;
"''''",
c:N,
""'N
"'<('"
~()~
Q) 0 ~ CIJ
~I-g(l)
.... t::._.c.
(9<C'EE:?
c- ctI 0
o"'E::;
._ co Q)
rowm ",
~ ltl "
Q)O)c::t:
c..lt) co Q)
0..-(1)....,
M
.= >.
" "
.c:=
-'"
",>
c:_
",,,,
'" '"
-"
c:.-
"",
",,,
.a1i.i
'" ~
.9~
"Ol
g.!:
S"
'" ~
'u; :J
"'0.
'"
"
lIlE
:2~
>
e '"
o.E
"
E:O
l!! e
Olo.
e c:
0.."
"
-'"
c: "
S~
",.E!
.- c:
l:l "
<("
_0
c: c:
~.~
" "
-0.
CIlx
"
0/50
j?;>.c:
.- ~
c: .
""' "
E.~ ~
E~'"
oEo
()J!:!()
~
~
o
o
o
<Ii"
~
...
ro
=
"
>
.!!1
Q;
.0
oeD
C::o
"''''
:c~
",>
" '"
;i~
"'c:
€.a
0_
~ 0
",e:
'" "
~ 0
j?;>E
.- '"
.~ -c
0"
ca~
".5
.c:-
-"
~=
:Co
~-
-"
'" "
.c:'"
-",
"''''
,2!c:
u.2
<(<.9
Om
00
UO
-
iijo
'c m
" "
o-
S 13
_ .0
c: '"
0",
'" '"
:g ~
o:::!:::
o
" ::;
Ol N
..921::0>0
(5o<(f"--
uEo~
",>l1) _~
" 0",
~...!: M
>::!:"Ecn
o.crn~
c:"5Eo::
"'0"
coU)ccca
r::.....c:..E
cooroQ)
(I),...., 00 N
-i
~"E
'" "
" ~
"'w
~"
N'C:
M~
~'"
'" '"
"-0
Ol
'" g
=i:
5~
?''''
""~
'" 0
.C:-
c6~
, 0.
.9.9
c:'"
0"
:O::N
c=
Q)~
> "
~ "
0..0
0>:=
2 ~
"''''
,,'"
:25
>-
e<.9
o.m
=0
.~o
E .
d
OlO
00
Q: .!:
c: ~
00 .
E~~
"" c:
> > l!!
~ Q):::I
a.;~
Ol .-
2.,g-g
o~'"
.,.
~
o
o
o
<Ii"
~
...
2E
.E!
~
"
=
E
l!!
Ol
e
0.
"
=
2
'"
'5
o
'E
'"
j?;>
:2
15
c:
'"
'5
c:
.Q
ro
N
'c
'"
E!'
o
iEg
e.!:
o..-g
c:.2
~"E
'"
-~
.~ ctl
c:_
" 0
oc:
~'"
s:c
c:U
0<(
"'u
:go
o::u
.g
!
M
"
~
~
o
u
00
0.,.
~N
'It",
a5ct:
"u
e,j z. _
c: CIl 0
_, c:
-Du
", ~
o..c: '"
0", c:
IolD
.c:zm
'S r-... c
01'-'"
>-ltlCl)
o
N
~
~
~
!
<
l
!
~
,
~
]
~
~
!
~
,
"
<
]
~
<
~
;
,
Ili
1
2
ATTACHMENT II
2010/11 Community Development Block Grant
*New Proposal
3 A. CDBG Subiect to Public Service CaD
1. AI Shifa Clinic, Inc.
2. Asian American Resource Center
3. Assistance League of San Bernardino
4. Boys & Girls Club of Redlands*
5. Boys & Girls Club of San Bernardino
6. Central City Lutheran Mission
7. Child Advocates of SB County
8. Children's Fund, Inc.
9. Frazee Community Center
10. Gang Reduction Intervention Team
11. Highland District Council
12. Home of Neighborly Service
13. Inland AIDS Project
14. Knotts Family and Parenting Insl.
15. Legal Aid of San Bernardino
16. Lorine's Learning Academy
17. Mary's Mercy Center
18. Operation Grace
19. Option House, Inc.
20. Project Life Impact, Inc.
21. San Bernardino Medical Center*
22. San Bernardino National Forest Assoc.
23. San Bernardino Sexual Assault Services
24. Santa Claus, Inc."
25. Sinfonia Mexicana,
26. Sl. John's Community Success Center
27. Time for Change Foundation
28. YMCA of San Bernardino
29. Youth Action Project
Amount
$15,000
$15,000
$12,000
$5,000
$15,000
$12,000
$12,000
$12,000
$12,000
$15,000
$15,000
$15,000
$10,000
$12,000
$12,000
$10,000
$15,000
$15,000
$15,000
$10,000
$10,000
$15,000
$12,000
$10,000
$10,000
$12,000
$15,000
$12,000
$15.000
$250,000 $365,000
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
TOTAL PUBLIC SERVICES
20
B. General ProDosed Proiects-Citv/EDA
1 City Code Enforcement
2 City Fire Department Leases
3 National Development Corporation
4 Fair Housing (Mandatory-Subject to Public Service Cap)
5 Section 108
6 Target Area Street Improvements
7 Other Public Services
8 CDBG Administration,
9 Unallocated Program Contingency
TOTAL PROPOSED CITY PROJECTS
Amount
$1,727,646
$115,698 $534,200
$50,000
$53,000
$410,000
$464,417
$92,229 $Q
$210,000
$ 82 gOO $77,220
$2,811,182 $3,526,483
21
22
23
24
25
26
27
28
TOTAL CDBG ALLOCATION $3,891,483
4
P:\Agendas\Resolutions\Resolutions\2010\OS-03-10 cnBG Rec MCC Reso A.doe
1
ATTACHMENT III
Recommended 2010-2011 ESG Allocations
A. Emergency Shelter Service Providers
Organization 09/10 10-11
Funding Allocation
1. Central City Lutheran Mission - (Operating Expenses) Central City Lutheran Mission
(CCLM) opened its doors in 1996 as a community based organization working in the
central part of the City; provides transitional housing to homeless HIV clientele.
CCLM also provides emergency shelter to men during the winter months. The $13,000 $15,823
organization collaborates with other community based organizations throughout the
City and County. ESG funds will be utilized for operations of their facility located at
1354 North 'G' Street.
2. Frazee Homeless Shelter - (Homeless Prevention) Frazee Community Center
provides a homeless shelter for men. Most of Frazee's clients are homeless veterans
and up to 17 can be accommodated at one time. The shelter provides job search $14,000
assistance, transportation when needed and support groups are brought in for $12,660
counseling. Frazee also provides assistance in the areas of securing social security
and Veterans benefits.
3. Mary's Mercy Center - (Essential Services) Mary's Mercy Center offers emergency
services to the homeless population that includes: food bags, emergency baby and $25,000 $10,000
hygiene needs, and shower and laundry facilities. Mary's began providing
emergency showers in 1997.
4. Foothill AIDS - (Homeless Prevention) provides services to individuals who are HIV
positive and either homeless or at risk of homelessness. Program will provide
housing services to assist individuals in obtaining shelter by finding access to $0 $16,800
permanent housing; identifying linkages to mainstream heaith and social service
program; and obtaining total self sufficiency.
5. Operation Grace - (Homeless Prevention) Operation Grace is a transitional women's
shelter. Shelter occupants are provided with a bed, bedding, a dresser and some
closet space. The program is comprehensive and assists women in setting goals and $8,989 $7,500
following through on their goal setting. The sheiter is staffed with a house manager,
who is there to ensure compliance with daily activities and programs. A client can
stay at the shelter for up to 3 months, providing that personal goals are being met.
6. Option House, Inc. - (Essential Services) Option House, Inc., provides transitional
shelter to females of domestic violence. Option House can accommodate up to 14 $20,000
women and their children for up to 60 days. There is a resident in-house program $10,000
that each client must complete.
5
:\Agendas\Resolutions\Resolutions\2010\05-03-IO CDBG Rec Mec Rero A.doc
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
p
1
Organization 09/10 10-11
Funding Allocation
7. Salvation Army - (Essential Services) Salvation Army Hospitality House provides a
full spectrum of homeless services that include: 1) Shelter for women and children
365 nights a year; 2) three meals a day for those living in the shelter; 3) a nightly
meal for up to 100 additional people per day; 4) laundry and shower facility; 5)
tutoring and after school programming for school aged children; 5) job training and $60,000
placement counseling; 6) a savings program whereby upon leaving the shelter, a $17,471
client has money for securing permanent housing; 7) counseling to assure a stable
environment for those moving into their own homes; 8) referrals to Travelers Aid
and behavioral health providers; and, 9) paramedics for emergency health care and
access to local clinics for other health care needs.
8. Time for Change Foundation - (Essential Services) Time for Change began their
transitional housing program in September 2002. This transitional faCility is for
women who are exiting prison or on a drug rehabilitation program. Time for Change
incorporated in October 2003 as a non-profit organization and expanded its service $15,000 $10,000
delivery to include full re-entry services to women and their children. Each
participant is required to be in a program that will assist them in obtaining a job,
education and ultimately, independent living.
TOTAL $100,254
2
3
4
5
6
7
8
9
10
11
$100,254
$7,911
$50.072
$158,237
City of San Bernardino
2010-2015 Consolidated Plan
April 2010
City of San Bernardino
Economic Development Agency
201 North E Street, Suite 301
San Bernardino, CA 92401
(P) (909) 663.1044
(F) (909) 888-9413
City of San Bernardino
2010-2015 Consolidated Plan
Table of Contents
Chapter 1: Introduction............................................................... ................... .......................... 1
A. Planning Frameworks.............................................................. ..............................1
B. Program Descriptions......... ............................................... ........ ............................1
C. Lead Agency......................................................................................................... 3
D. Data Sources................. ......................................................... ........ .......................3
Chapter 2: Citizen Participation Process.................................................................................5
A. Community Outreach Meeting...............................................................................5
B. Community Survey.................................................................. ..............................6
C. Community Meeting to Review the Consolidated Plan..........................................6
D. Public Hearing....................................................................................................... 6
E. Draft Consolidated Plan Availability for Public Review..........................................6
Chapter 3: Community Needs....................................................................... ....... ...................9
A. Household Needs................................................................... ...............................9
B. Market Conditions......................................................................... ......................38
C. Barriers to Affordable Housing ............................................................................44
D. Community Development Needs.........................................................................52
Chapter 4: Housing and Community Development Strategic Plan .......................................59
A. Overall Strategic Theme...................................................................................... 59
B. Housing Needs........................................................................... .........................67
C. Community Development and Supportive Services ............................................72
D. Public Improvements and Community Facilities.................................................. 78
E. Economic Development and Anti-Poverty ...........................................................83
F. Planning and Administration ............................................ .................................... 87
G. Lead Based Paint Reduction Strategy ................................................................87
H. Overcoming Barriers to Affordable Housing ........................................................87
I. Institutional Structure................ ........................................................................... 89
J. Coordination........................................................................................................ 90
K. Monitoring................................................................................ ........ ....................90
Table of Contents
Pagel
City of San Bernardino
2010-2015 Consolidated Plan
List of Tables
Table 1: Persons by Age San Bernardino - 2000 and 2008 ................................................. 11
Table 2: San Bernardino CitylCounty Employment by Occupation - 2008 ...........................12
Table 3: Major Employers in San Bernardino - 2008............................................................12
Table 4: Annual Average Unemployment Rate - 2008.........................................................13
Table 5: San Bernardino CitylCounty Household Type and Size - 2008 ..............................13
Table 6: San Bernardino CitylCounty Overcrowding - 2008.................................................14
Table 7: San Bernardino Overcrowding by Tenure Type - 2008 ..........................................14
Table 8: San Bernardino Race or Ethnicity - 2000 and 2008................................................ 15
Table 9: Race and Ethnicity by Person and Household - 2008............................................ 15
Table 10: HUD Income Definitions........................................................................................ 16
Table 11: Household Income by RacelEthnicity - 2000........................................................ 19
Table 12: Licensed Community Care Facilities - 2009 .........................................................19
Table 13: Elderly Profile - 2000.............................................................................................20
Table 14: Low Income Senior Housing in the City of San Bernardino ..................................21
Table 15: Senior Services in the City of San Bernardino......................................................21
Table 16: Disability Types found in Adult Civilian Population (Aged 18+) - 2008 .................24
Table 17: Large Household Profile - 2000 ............................................................................24
Table 18: Housing Assistance Needs of Low and Moderate Income Households ...............27
Table 19: San Bernardino Disproportionate Needs ..............................................................28
Table 20: Housing Survey Results........................................................................................29
Table 21: Homeless Partnerships ............................................................ ..................... ........ 33
Table 22: Continuum of Care Housing Gaps Analysis San Bernardino County 2009 .......... 34
Table 23: Federally Assisted Multi-Family Housing ..............................................................37
Table 24: Housing Growth - 2000 and 2009 ........................................................................ 38
Table 25: Housing Type - 2009.............................................................................................39
Table 26: Housing Tenure - 2008 .........................................................................................39
Table 27: Median Home Prices - 2009 .................................................................................40
Table 28: Housing Affordability - San Bernardino County - 2009 .........................................41
Table 29: Age of Housing Stock - 2008 ................................................................................42
Table 30: Housing Stock Deficiencies - 2008 .......................................................................42
Table 31: Number of Units with LBP Occupied by Low/Moderate Income Households ....... 43
Table 32: City of San Bernardino Schedule of Fees - 2009..................................................46
Table 34: Community Development Needs Survey Results ................................................. 54
Table 35: Estimated Annual Resources Available ................................................................61
Table 36: Estimated Entitlement Five-Year Expenditures ....................................................61
Table 37: Five-Year Housing Needs and Priorities...............................................................64
Table 38: Priority Community Development Needs .............................................................. 65
Table 39: Priority Non-Homeless Special Needs..................................................................66
Table 40: Senior Rental Housing Development.................................................................... 71
Table 41: Redevelopment Agency Economic Development Activities.................................. 86
Table of Contents
Pageii
City of San Bernardino
2010-2015 Consolidated Plan
List of Figures
Figure 1: Population Growth .................................................................................................10
Figure 2: Minority Concentrations .........................................................................................17
Figure 3: Low and Moderate Income Areas ..........................................................................18
Table of Contents
Pageiii
City of San Bernardino
2010-2015 Consolidated Plan
Chapter 1
Introduction
The Consolidated Plan is a planning document that identifies the City of San Bernardino's
overall housing and community development needs, and outlines a strategy to address
those needs. The Plan includes the following components:
. An assessment of the City's housing and community development needs and market
conditions;
. A strategy that establishes priorities for addressing the identified housing and
community development needs; and
. A one-year investment plan that outlines the intended use of federal resources.
A. Planning Frameworks
The 2010-2015 Consolidated Plan for the City of San Bernardino satisfies the requirement
of four Community Planning and Development (CPO) programs offered by the U.S.
Department of Housing and Urban Development (HUD):
. Community Development Block Grant (CDBG)
. HOME Investment Partnership (HOME)
. Emergency Shelter Grant (ESG)
This 2010-2015 Consolidated Plan for the City covers the period of July 1, 2010 through
June 30, 2015.
B. Program Descriptions
1. Community Development Block Grant (CDBG)
The CDBG program was initiated by the Housing and Community Development Act (HCDA)
of 1974. The primary objective of this program is to develop viable urban communities by
providing decent housing, a suitable living environment, and economic opportunities,
principally for persons of low and moderate income. Through the CDBG program, HUD
provides funds to local governments for a wide range of community development activities
for low income persons. CDBG funds are likely the most flexible federal funds available to
local governments. Funds can be used for a wide array of activities, including:
. Housing rehabilitation (loans and grants to homeowners, landlords, non-profits, and
developers)
. Down payment and other homeownership assistance for first-time homebuyers
. Lead-based paint detection and removal
. Acquisition of land and buildings
Chapter 1: Introduction
Page 1
City of San Bernardino
2010-2015 Consolidated Plan
. Construction or rehabilitation of public facilities such as shelters for the homeless
and domestic violence victims
. Removal of architectural barriers to the elderly and disabled
. Public services such as job training, transportation, health care, and childcare
. Rehabilitation of commercial or industrial buildings
. Loans or grants to businesses
. Grant administration
Regulations governing the CDBG program require that each activity undertaken with CDBG
funds meet one of the following three broad national objectives:
. Benefit people with low and moderate incomes
. Aid in the prevention or elimination of slums and blight
. Meet an urgent need (such as an earthquake, flood, or hurricane relief)
2. HOME Investment Partnership (HOME)
The HOME program was created as part of the 1990 National Affordable Housing Act. The
HOME program provides federal funds for the development and rehabilitation of affordable
rental and ownership housing for low and moderate income households. The program gives
local governments the flexibility to fund a wide range of affordable housing activities through
housing partnerships with private industry and non-profit organizations. HOME funds can be
used for activities that promote affordable rental housing and homeownership by lower
income households, including:
. Building acquisition
. New construction and reconstruction
. Moderate or substantial rehabilitation
. Homebuyer assistance
. Tenant-based assistance
. Grant administration
Strict requirements govern the use of HOME funds. Two major requirements are that the
funds must be: (1) used for activities that target lower income families; and (2) matched 25
percent by non-federal funding sources.
3. Emergency Shelter Grant (ESG)
The Emergency Shelter Grant (ESG) program provides homeless persons with basic shelter
and essential supportive services. ESG funds can be used for a variety of activities,
including:
. Rehabilitation or remodeling of a building used as a new shelter
. Operations and maintenance of a facility
· Essential support services (i.e. case management, physical and mental health
treatment, substance abuse counseling, childcare)
. Homeless prevention
. Grant administration
Chapter 1: Introduction
Page 2
City of San Bernardino
2010-2015 Consolidated Plan
ESG grant funds must be matched dollar-for-dollar with non-federal funds or "in-kind"
contributions such as the value of a donated building, supplies and equipment, new staff
services, and volunteer time.
C. Lead Agency
The City of San Bernardino's Economic Development Agency serves as the lead agency in
coordinating the preparation of the Consolidated Plan.
D. Data Sources
The following data sources were used to complete this Consolidated Plan. Sources of
specific information are identified in the text, tables and figures.
. 1990 and 2000 U.S. Census
. 2006-2008 American Community Survey and 2008 Community Survey'
. California Employment Development Department
. California Department of Fair Employment and Housing
. California Department of Finance
. California Department of Public Health
. California Department of Social Services Community Care Licensing Division
. Centers for Disease Control (CDC)
. San Bernardino County Department of Behavioral Health
. San Bernardino Unified School District Research and Statistical Department
. U.S. Department of Housing and Urban Development (HUD)
According to ~American Community Survey - What Researchers Need to KnoW', the Census Bureau
caulions the direct comparison between the American Community Survey (ACS) dala and data from previous
Censuses, particularly as it relates to income, age, and household characteristics, as different methodologies
were used or questions were asked in collecting the sample. The most significant difference is that the 2000
Census is poinl-in-time data; whereas the ACS 2006-2008 is period data. The ACS was developed with a
sample each year and data presented for 2006-2008 represents an averaging of the sampling results over three
years. An issue with this methodology is that when conditions in 2006 were subslantially diflerenl than in 2008.
the averaging would "dilute" the data and therefore does not present an accurate picture of the conditions. For
example. the housing markel conditions in 2006 were almost a 180-degree turn compared to those in 2008.
Averaging over these three years would nol reflect the sharp changes in conditions. Therefore, 2006-2008 ACS
data in this report is used only as additional references. The 2008 ACS is also a period eslimate. averaging
eslimales from the year 2008; this is the data that is predominantly used in this report to supplemenl dala from
the 2000 decennial Census. The 2008 ACS data provides an important updale and snapshot of exisling
conditions. The federal government uses ACS information to evaluate the need for federal programs and to run
those programs effectively, and so it is important to be consistent with those assumptions. However. please note
that the ACS provides an estimale, not a 100 percent sampling of the population. and as such. there may
therefore be a significant margin of error in some situations.
Chapter 1: Introduction
Page 3
City of San Bernardino
2010-2015 Consolidated Plan
Chapter 2
Citizen Participation Process
Citizen participation is one of the most important components of the Consolidated Plan
process. This Consolidated Plan has been developed through a collaborative process
including participation of residents, service providers, and City staff. This section outlines the
efforts implemented by the City of San Bernardino Economic Development Agency to solicit
community input in preparing the City's Five-Year Consolidated Plan. The following primary
methods were used to solicit public input for the Consolidated Plan:
. A community meeting was held on January 21, 2010 in the Economic Development
Agency Board Room as part of the Community Development Citizens Advisory
Committee meeting. At this meeting, participants were introduced to the
Consolidated Plan process and discussed community needs and priorities.
. A community survey, which assessed housing and community development needs,
was distributed to San Bernardino residents. Surveys were made available in
electronic and paper formats (in both English and Spanish), and distributed at
community centers and public counters, on the City's website, and at the January 21,
2010 community meeting.
A. Community Outreach Meeting
On January 21, 2010, the City of San Bernardino held a community meeting to discuss
priority housing and community development needs in the City. The City conducted
extensive outreach to reach a broad cross-section of the community and to encourage
attendance. In total, more than 15 residents and representatives of service provider
agencies attended, in addition to the five City of San Bernardino Community Development
Citizens Advisory Committee (CDCAC) members.
Service providers that attended the Consolidated Plan community outreach meeting
included:
. A Servant's Heart Outreach
. Apartment Association Greater Inland Empire
. Central City Lutheran Mission
. Inland Fair Housing & Mediation Board
. OMNIP
. Project Life Impact
. St. John's Success Center
. Time for Change
. Universal Nursing Systems
Chapter 2: Citizen Participation Process
Page 5
City of San Bernardino
2010-2015 Consolidated Plan
The CDCAC chaired the community meeting. Participants were introduced to the
Consolidated Plan process through a presentation and asked to discuss community needs.
The CDCAC and participants actively discussed issues, needs, and concerns in the
community as related to the Consolidated Plan. A summary of the topics discussed is
included in Chapter 3. An outline of meeting notes is included in Appendix A.
B. Community Survey
As part of the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a
Housing and Community Needs Survey to assess community issues and concerns in six
needs categories: Community Facilities, Housing, Economic Development, Community
Services, Infrastructure and Neighborhood Improvements, and Special Needs Services.
The survey was provided in English and Spanish and was available in print at City Hall and
online at the City's website. Overall, 143 residents and service providers representing San
Bernardino residents responded to the Housing and Community Development Needs
Survey. The survey questionnaires were made available at community centers and public
counters and distributed at the January 21, 2010 community meeting. In addition, the survey
was posted on the City's website in an online format.
Approximately two percent of participants utilized the Spanish version of the survey. Nearly
11 percent of respondents were seniors, and approximately 10 percent indicated that they
were disabled. Of participants who indicated their tenure, 24 percent rent their homes while
76 percent own. Appendix A provides a copy of the survey instrument and summary of
survey results.
C. Community Meeting to Review the Consolidated Plan
On March 25, 2010, the draft Consolidated Plan will be reviewed as part of a CDCAC
regular meeting. Invitations to attend the meeting were sent to neighborhood groups and
service providers. Comments received during this meeting will be incorporated into Chapter
3 and Appendix A.
D. Public Hearing
On May 3, 2010 the City Council will conduct a public hearing to consider the Five-Year
Consolidated Plan for adoption. Comments on the Consolidated Plan received during the
public hearing will be incorporated into Chapter 3 and Appendix A.
Public meetings and hearings were publicized adequately and held at times and locations
that are convenient to the community. The location of the hearing at City Hall is accessible
to persons with physical disabilities.
E. Draft Consolidated Plan Availability for Public Review
The Draft Consolidated Plan will be available for public review for a 30-day period beginning
March 30, 2010 and ending April 28, 2010. The Draft Plan will be available at the San
Chapter 2: Citizen Participation Process
Page 6
City of San Bernardino
2010-2015 Consolidated Plan
Bernardino City Hall public counter and the following public libraries: Norman F. Feldheym
Central Library, Dorothy Inghram Branch Library, Howard M. Rowe Branch Library, and Paul
Villasenor Branch Library. Comments received during the public review period will be
incorporated into Appendix A.
Chapter 2: Citizen Participation Process
Page 7
City of San Bernardino
2010-2015 Consolidated Plan
Chapter 3
Community Needs
Chapter 3 of the City of San Bernardino 2010-2015 Consolidated Plan presents an overall
assessment of the housing and community development needs in the City of San
Bernardino. This needs assessment provides the foundation for establishing priorities and
allocating federal, state, and local resources to address the identified needs.
A. Household Needs
Examination of demographic characteristics provides insight regarding the needs in a
community. Understanding factors such as population growth, age characteristics, and
racelethnicity all help with the identification and evaluation of the need for housing, facilities,
and services.
1. Demographic and Household Characteristics and Trends
As the County seat of San Bernardino County, the City of San Bernardino encompasses
approximately 60 square miles along the foothills of the San Bernardino Mountains. It is a
general law city incorporated in 1854, making it one of California's oldest communities. The
City of San Bernardino is one of San Bernardino County's principal cultural and business
centers. The area .evolved from a semi-rural farming community to an enterprise city with
large railroad companies. Its current economy is primarily based upon government, retail
commercial businesses, manufacturing, and logistics.
Population Growth
An important factor in determining the current and future needs for housing and other
community services is population growth. Documented population figures from 1980 to 2005
and projected population growth figures from 2010 to 2035 are shown in Figure 1. The City
of San Bernardino experienced its largest increase in population from 1985 to 1990, when
the population increased by 20 percent. A trend of population increase has continued since,
but percentage has declined; projected population growth is expected to be modest but
steady.
Chapter 3: Community Needs
Page 9
City of San Bernardino
2010-2015 Consolidated Plan
Figure 1: Population Growth
:m.ooo
'" 959 ",,,
24 98' - ....
''" 16
22 92. ~ ...-"
21 318 , ~ ....-
"" 049
1~ "'1 ~ ...-
16< ~
164
'" ~ "...-
""
'Y V"
5
2SO,00ll
c
o
:;::
..
'S 200,000
Cl.
o
...
150.000
1
100.000
19l1O
1995
19l1O
1995
200ll
:m;
""0
""5
:mJ
3125
"""
2Il35
Year
The California Department of Finance estimates that in 2009, the population of San
Bernardino was 204,483, making it the most populated city in San Bernardino County.
Population growth projections for San Bernardino (Figure 1) anticipate that the City's
population will steadily increase at an average rate of 4.75 percent every five years, with a
resulting 2035 population estimate of 265,515. The overall percentage growth of San
Bernardino from 2010 to 2020 is projected to be around 10.45 percent, a relatively low
estimate compared to other surrounding cities, such as Colton (22.21 percent).
Age Composition
The age structure of a population informs current and future levels and types of housing
needs. The age structure is the distribution of a population by defined age groups. Housing
demand is affected by the age composition of a community, since different age groups have
very different housing needs. For example, young people may trend towards occupying
apartments, condominiums, and small single-family homes due to household size andlor
affordability. Middle-aged adults may trend towards demanding larger homes as incomes
and family sizes increase, while seniors may prefer apartments, condominiums, mobile
homes, or smaller single-family homes that have lower costs and less maintenance. Table 1
shows the age distribution of San Bernardino's population. The median age for the City is
estimated to be 28.6 years of age in 2008, which is slightly younger than the median age of
the County at large (30.5 years of age).
Chapter 3: Community Needs
Page 10
City of San Bernardino
2010-2015 Consolidated Plan
Table 1 Persons by A~e San Bernardino - 2000 and 2008
2000 2008 2000-2008
Age Population %of Population %of % Change
Population Population
17 and younger 65,180 35% 63,670 31% -2%
18-24 20,433 11% 25,326 12% 24%
25-44 54,915 30% 57,786 28% 5%
45-64 29,607 16% 39,546 19% 34%
65 and over 15,266 8% 17,313 9% 13%
Total 185,401 100% 203,641 100% 10%
Median Age 27.6 28.6
Source: U.S. Census Bureau, 2000 Census; 2008 American Community Survey
As Table 1 indicates, from 2000 to 2008, the percentage of youth in the City experienced a
slight decline, while all other age categories experienced slight to moderate increases. The
decline of youth as a proportion of the population may be attributed to natural aging of the
population, as the next age category (ages 18-24) saw a significant increase since 2000.
Youth still represents the largest percentage of the population (31 percent), followed by the
age category of 25-44.
2. Employment Trends
Employment opportunities attract and retain residents. Wages and investments establish a
household's income, which determines the household's ability to afford housing and other
essential needs and services.
Occupation
According to Census estimates calculated by the American Community Survey, in 2008,
75,514 residents of San Bernardino were employed, of which approximately 29 percent had
jobs in sales and office professions, the largest industries of employment for San Bernardino
residents. Other common occupations were in management, professional, and related fields;
jobs in these occupations accounted for 20 percent of all residents' jobs. Service jobs (19.8
percent), production, transportation and material moving (18 percent), and construction,
extraction, maintenance and repair (12 percent) also accounted for high percentages of
occupation types. The distribution of occupation types for San Bernardino County at large
was very similar to that of the City. However, residents in the County as a whole were more
likely to hold management, professional, and related occupations (Table 2).
Chapter 3: Community Needs
Page 11
City of San Bernardino
2010-2015 Consolidated Plan
Table 2: San Bernardino City/County Employment by Occupation - 2008
City of San Bernardino County of San
Occupation Bernardino
Jobs % of Jobs Jobs % of Jobs
Manaaement, Professional, and Related 15,082 20% 235,234 27.4%
Sales and Office 22,012 29.1% 235,088 27.3%
Service 14,981 19.8% 155,237 18%
Production, Transportation, and Material Movina 13,662 18.1% 134,240 15.6%
Construction, Extraction, Maintenance and Reoair 9,051 12% 98,241 11.4%
Farmina, Fishina, and Forestrv 726 1% 2,041 .02%
Total 75,514 100% 860,081 100%
Source: u.s. Census Bureau, 2008 American Communitv Survev
The three largest employers in San Bernardino in 2008 were the County of San Bernardino,
Stater Bros. Markets, and the San Bernardino City Unified School District (Table 3).
The overall labor force participation rate in the City of San Bernardino was 59.6 percent of
people aged 16 and older in 2008. The 2000 Census also estimated that over 61 percent of
City residents commute outside the City for work.
Table 3: Major Employers In San Bernardino - 2008
Emolover Name Approximate Emolovees
Countv of San Bernardino 18,000'
Stater Bros. Markets 7,900'
San Bernardino Citv Unified School District 7,722'
Patton State Hospital 2,500
San Manuel Band of Mission Indians 2,500'
California State Universitv San Bernardino 2,100
SI. Bernardine Medical Center 1,538
Citv of San Bernardino 1,500
Burlinaton Northern Santa Fe Raiiwav 1,500
Communitv Hospital of San Bernardino 1,200
California State Department of Transnortation 1,000
Inland Center Mall 1,000
1 As County seat ot San Bernardino. this number reflects all County employees; not all County employees may be working within
the City of San Bernardino boundaries.
2 Accounts for company-wide employees; not all may be ~~ted within the City of San Bernardino.
Source: City of San Bemardino Economic Develooment en"". 2008
Unemployment Rates
During the recent national economic downturn, San Bernardino County's economy remained
relatively stable, with unemployment similar to that of surrounding markets. In 2008, the
County's unemployment rate was at an annual average of 8.0 percent, compared to 7.2
percent for the State of California. The City of San Bernardino, however, had a higher
unemployment rate than the County and the State, with an unemployment rate of 10.9
percent for 2008 (Table 4).
Chapter 3: Community Needs
Page 12
City of San Bernardino
2010-2015 Consolidated Plan
Table 4: Annual Average Unemployment Rate. 2008
Jurisdiction Rate of Unemolovment
San Bernardino 10.9%
Colton 8.7%
Fontana 8.3%
Hiahland 10.2%
Redlands 5.8%
Rialto 10.3%
San Bernardino County 8.0%
State of California 7.2%
Source: State of California Employment Development Department. Annual Average Labor Force Data
for Counties. 2008
3. Household Trends
Household characteristics provide vital information for understanding the dynamic needs of
a community. A household, as defined by the U.S. Census Bureau, includes all persons who
occupy a housing unit (house, apartment, mobile home, group of rooms, and a single room
that is occupied as separate living quarters). The occupants may be a single family, one
person living alone, two or more families living together, or any other group of related or
unrelated persons who share living arrangements. Persons living in retirement of
convalescent homes, dormitories, or other group living situations are not considered
households.
Household Composition and Size
The number of households in San Bernardino increased four percent between 2000 and
2008, from 56,330 to 58,604 households. As shown in Table 5, the majority of households in
San Bernardino were families (72 percent). Approximately 12 percent of all households were
female-headed households with children, higher than the County average of 9.1 percent.
The average household size in the City of San Bernardino increased from 3.19 people in
2000 to 3.38 people in 2008.
Among all family households, approximately 21 percent included at least one or more
elderly persons, while eight percent of all non-family households (i.e. living alone or with
unrelated roommates) were headed by an elderly person.
Table 5. San Bernardino City/County Household Type and Size. 2008
% % Female-
Average % Families % % Elderly Headed
Household Families with Households Non-Family Households
Size Children with Elderly Household with
Children
San Bernardino 3.38 72.0% 40.9% 20.8% 7.7% 12.0%
San Bernardino County 3.40 75.8% 41.4% 19.7% 6.3% 9.1%
Source: U.S. Census Bureau, 2008 American Community Survey
Chapter 3: Community Needs
Page 13
City of San Bernardino
2010-2015 Consolidated Plan
Overcrowding
Overcrowding can be an indicator that housing in a community is expensive given the
incomes of local residents. An overcrowded household is defined as one with more than one
person per room, excluding bathrooms, kitchens, hallways, and porches. Severely
overcrowded households are those with more than 1.5 persons per room. Unit overcrowding
typically results from the combined effect of low earnings and high housing costs in a
community, and reflects the inability of households to buy or rent housing that provides a
reasonable level of privacy and space. Overcrowding accelerates deterioration of homes
and infrastructure, and results in a shortage of on-site parking.
The 2008 American Community Survey reports that 15 percent of occupied housing in the
City was overcrowded. The incidence of overcrowding in the City of San Bernardino was
much higher than countywide (8.6 percent). Severely overcrowded households were also
more prevalent in the City than the County at large; 6.3 percent of households in the City
were overcrowded in 2008, compared to 2.5 percent in the County (Table 6).
Table 6 San Bernardino City/County OvercrowdlnCj . 2008
% of All Housina Units
San Bemardino San Bernardino County
Overcrowded (1.01-1.5 oersons/room) 8.8% 6.1%
Severelv Overcrowded 1>1.5 Dersons/room) 6.3% 2.5%
Total Overcrowded 1>1.0 Derson/room) 15.1% 8.6%
Source: U.S. Census Bureau, 2008 American Community Survey
The prevalence of overcrowding varies significantly by income, tenure type, and size of
household. Generally, lower income households and large families are disproportionately
affected by overcrowding. As indicated in Table 7, overcrowding is more than twice as likely
to occur in renter-occupied housing units (21 percent) versus owner-occupied housing units
(nine percent).
Table 7: San BernardinO OvercrowdinCj by Tenure Type - 2008
% of All Owner Occupied
Housin Units
7.4%
2%
9.4%
% of All Renter Occupied
Housin Units
10.2%
11.1%
21.4%
Survey
Race and Ethnicity
Race and ethnicity have implications for housing need, as certain demographic and
economic variables correlate with race. Similar to trends in other communities in California,
San Bernardino has become increasingly diverse in its racial and ethnic makeup (Table 8).
From 2000 to 2008, the overall percentage of White persons declined, while the percentage
of Hispanic persons increased. In 2000, Hispanics accounted for 47 percent of the
population; that percentage is estimated to have increased to 56 percent in 2008. The
percentages of Black, Asian, Pacific Islander, American Indian, and Other races have
remained relatively the same.
Chapter 3: Community Needs
Page 14
City of San Bernardino
2010-2015 Consolidated Plan
Table 8' San Bernardino Race or EthmClty - 2000 and 2008
Race or Ethnicity 2000 2008
Population % of Population PODulation % of PODulation
Hisoanic Oriain 87,654 47.3% 114,348 56.2%
White 53,900 29.1% 42,419 20.8%
Black 28,965 15.6% 35,509 17.4%
Asian 7,392 4.0% 7,529 3.7%
Other 5,614 3.0% 3,260 1.6%
Pacific Islander 670 0.4% 434 0.2%
American Indian 1,193 0.6% 142 0.1%
Source: u.s. Census Bureau. 2000 U.S. Census; 2008 American CommunitY Survev
Comparing the raciallethnic composition of the population with that of the householders
indicates that 28.5 percent of households in San Bernardino were headed by White persons
and 48 percent by Hispanic persons in 2008 (see Table 9). The racial/ethnic composition of
householders in the City did not mirror that of the County. In the County, only 37 percent of
heads of households were Hispanic, whereas White constituted 46 percent of householders.
Table 9 Race and Ethnlcity by Person and Household - 2008
Persons Households
Race or Ethnicity San Bernardino San Bernardino San Bernardino San Bernardino
County Countv
Hisoanic Orioin 56.2% 47.5% 48.0% 37.3%
White 20.8% 35.5% 28.5% 45.9%
Black .17.4% 8.3% 18.2% 9.2%
Asian/Pac~ic Islander 3.9% 6.1% 4.6% 6.2%
Other 1.7% 2.6% 0.7% 1.4%
Source: U.S Census Bureau, 2000 U.S. Census; 2008 American Community Survey
Areas of Minority Concentration
Areas with concentrations of minority residents may have unique needs, particularly in areas
where recent immigrants tend to reside. A concentration is defined as a Census block group
with a proportion of minority residents greater than that of the countywide average. Figure 2
illustrates the concentrations of minority (non-White) households in the City. As shown,
virtually the entire southern half of the City (below Highland Avenue) has a minority
population of at least 56 percent (the county average). In contrast, Census tracts above
Highland Avenue generally lack minority concentrations.
Concentrations of Low and Moderate Household Income Population
According to the 2008 American Community Survey, San Bernardino households had a
median income of $38,282, or approximately 70 percent of the countywide median income
of $55,021.2
2
Even though the term ''family income" is be used as a synonym for household income in State and federal
housing programs, Ihe U.S. Census Bureau defines the two differently. While household income takes all
households into account. family income only includes households with lwo or more persons related through
blood, marriage or adoption.
Chapter 3: Community Needs
Page 15
City of San Bernardino
2010-2015 Consolidated Plan
Use of CDBG funds on public improvements can only occur in income-eligible areas. The
CDBG program defines income eligibility as any block group with 51 percent or more of the
population earning incomes less than 80 percent of the Area Median Family Income (Area
MFI). Figure 3 illustrates the income-eligible areas in San Bernardino.
Income Definitions
For purposes of housing and community development resource programming, HUD has
established income definitions based on the Median Family Income (MFI) for a given
Metropolitan Statistical Area (MSA). These income definitions are presented in Table 10.
Table 10 HUD Income Definitions
% of Area MFI
0-30%
31-50%
51-80%
>81%
Income Distribution
Based on the HUD definitions specified in Table 10, over 35 percent of the City's total
households in 2000 were within extremely low income (30 percent MFI) and low income (50
percent MFI) categories, and nearly 20 percent were within the moderate income (80
percent MFI) category.
In San Bernardino, households with low and moderate incomes comprised over half of the
total households (55 percent). The proportion of households with low and moderate incomes
was highest among Black (64 percent) and Hispanic (63 percent) compared to White (43
percent) households (Table 11).
Chapter 3: Community Needs
Page 16
o c
.5 CD
-0-
~a.
1Il-o
E~
CD III
(0-0
c:=
III 0
C/)~
_0
o()
~'"
00
'"
,
o
~
o
'"
.~"
! i~
~ ,:0 ~
J: ~ g ~ ~
e ~ &'E 0: '2
.9: IE em::
i 8;: :> Q
~ t;!~ -'= CD
elQ~i u~~
e r! C III g V ~
o 0 ~:: 'E SF' a
c.;. -j.z.e ~.::'- "e
':~;= E~~~
a"fi,d:3aQ;'O
Cl ~ ~ ~~~ i ~ i ~ i
ZI ,,'>-!e '" (fl!t' ~!!
W "1:0.: 01 I -
to 0 ~ ~. . I
~ .&:QC.!'
:i iii e i i
III
C
o
'';:;
f!
-
r:::
...
g
8
::-
.;::
o
c
:E
N
...
...
:::l
Ol
iz:
(;~.
,,'.J ',:
L ~I
" ~'~J'
,.'1 I'
LO
OZ
,.~
5~
z
-L.1' ,
,,~:ft
'I'
..c
..
LO
oz
,."
~~
60
II!
:-.....;,
l
ot;
I ILl'. ,
'li!~'>'
~.:, ,\"",
a: C ~;.-,'
wz
"'2
z....
.~~
.
"
'.
,..
: l..,
_..J .
l :-"1
..~
,." .
..J )
;1'
r
..
.J'.}
.... \
(.....
: . /,.
1.'7/
~O
~
.~
~"
uK
+dl
.
l
L"
OZ
.t
5~
C e
o m
.~ ii:
.1:1"
C :!
GO ~
U ==
C ~
o e
l.-' 0
.!~
00
C N
i~
o
N
.
L~
o~
~.
62
g
.'
I
'\
l
to
o
o
i
;;
..:g.
.!"
o ir~
o ~ 0
N .~
~ c"
E !
, .
01>0:
o.
~~
f-E
- .
.~
. ~
~ u'
;:l .. U
II.. ~ 'i
" ,"
~ J::f
~
.
,
c
.
,
;;
.
:;
wr--
-o~
~CD
Zg'
~a.
'c
::l
E
E
o
()
M
~
CD
-
a.
III
~
()
c:
'"
a::
"
o,Sl
c: '"
.- "
" .-
me
c: VJ
~ c:
Ql 0
alu
C:1t)
"'~
eno
N
00
>.~
~o
UN
,'-"
1
'I!
1
'of j
/ .
..- . 'l!
I " .
. F_: ~
"' ! z
:L., E
,o, . 'II.
L.., /'.1
: "-., ~
-"J '--'J
L.,"'; .
I' j
..J .
,r'
[#...... :1:::::'
'. , .>
J',/ /,,1 ',r.. ,._:
. '. ,
\ .w......
f'.,;. f/(/ ./'
J.'?/I/
/'. .
l3 .~
! .. Ii
~ :~~~
E 'lii a.
8 ~ ~ E
.E :I.. 8
4l cl1",
~ ~ ~~
CD Eell!!
~ 81l~
~ llii;;
i ~ i~
. o'
~ -g (~li
il~ Hi
!I .3~~
In
'"
E
CC
...
g
...
.5
!
...
'C
o
:!!
'C
C
'"
~
....I
,
.l
.~'
,/~l
'"J.
['./1
'/-'
.
.,/
?
M
E
::::l
C>
u::
~
~ ~
c .
, ~
o c
m ,
~ S >-
" ~ .
g is ~
~ .~ r 1
E ~ >. & 11
CI ::l ; a ~
CD e Cl ". "=
i~~~~
rill'
~i
filf!
h
~i
c
"z
0:5
>",
t:"
0_
'"
-;;-
..L ti i
"'ljj Ii i
h
J~
l!! ...
e ~
~ ~
'T8
~~
~~
::E~
'E
,. i /
c /
" I&.!i!:
~;. O':J:'
,'., I >t:"
'. IE
09
I
,
L'!;.
.'\,
r--.J :
: ~j-
l.. "
'"1
on
l';!i!
>:5
5~
-
1';0
~
~~
11
o
N
.
.
>
~
I!
~
.
1;
o
~
- .
CE
E ~
~'"
.0.
.!!!'i"E
.3~o
(/Jog
o a z!
.... ......1lI
~. :5;~
I" ~ ~i~
~ i= ~"CI
~ O"ii i
Iii g g i
~ C;:J: 0
i ilo~
~ ~ ~~
..Q .. E III
cr. ~ i m
~ , ~a
. o.
'" ,"0
~
'c
..L~!:.
"i to!::
.
1
....
OZ
..
>0-
o-z
u~
VJ
"
$
z
>.
-
'2
"
E
E
o
U
M
~co
.,~
a..,
"'0>
~'"
uc..
City of San Bernardino
2010-2015 Consolidated Plan
Table 11 Household Income by Race/Ethniclty - 2000
% of low %of %of
Total % ofTo13l % Extremely Income Moderate Middle/Upper
Households low Income Income
Households Households (0-30% MFI) (31-50% (51-80% Income (>80%
MFI) MFI) MFI)
White 22,085 39.1% 14.1% 10.9% 18.3% 56.7%
Hisoanic 20,523 36.9% 21.8% 17.5% 23.3% 37.4%
Asian/PI 2,158 3.9% 25.3% 15.1% 13.9% 45.8%
Black 9,459 17% 31.7% 16.1% 16.1% 36.1%
Other 1,875 3.1% 17.5% 8.8% 21.1% 52.6%
Total 56,100 100% 20.8% 14.4% 19.5% 45.2%
Source: 2004 HUD CHAS Data. based on 2000 Census.
4. Special Needs Populations
Certain segments of the population may require special supportive services or
accommodations and may have difficulty finding decent, affordable housing in the City due
to special needs. Special needs groups include the elderly, persons with disabilities, female-
headed households, large households, persons with drug andlor alcohol addiction, victims
of domestic violence, and persons with HIV/AIDS.
A summary of Licensed Community Care Facilities in San Bernardino that serve some of the
special needs groups is provided in Table 12, followed by detailed discussions of each of
the special needs. There are 65 licensed community care facilities located in the City of San
Bernardino with a total capacity to serve 1,083 persons.
Table 12: Licensed Commumty Care Facilities - 2009
Type of Facility Total Number of Facilities Total Capacity (Number of
Beds or Persons)
Adult Day Care 6 295
Adult Residential Facility 40 336
Grouo Home 9 54
Residential Care for the Elderly 10 398
Total 65 1,083
Source: California DeDartment of Social Services, Community Care Licensino Division. 2009
Adult day care facilities provide programs for frail elderly and developmentally disabled
andlor mentally disabled adults in a day care setting. Adult residential facilities provide care
for developmentally and mentally disabled adults. Group homes are facilities of any capacity
and provide 24-hour non-medical care and supervision to children in a structured
environment. Group homes can provide social, psychological, and behavioral programs for
troubled youths. Elderly residential care facilities can accommodate elderly persons with
dementia andlor those who are non-ambulatory.
Chapter 3: Community Needs
Page 19
City of San Bernardino
2010-2015 Consolidated Plan
Elderly and Frail Elderly
The population over 65 years of age is considered elderly. There are four main concerns
that affect the elderly:
. Income: Many people over 65 are retired and are living on a fixed income.
. Health Care: The elderly have a higher rate of illness and more medical needs.
. Transportation: Many seniors use, and are reliant on, public transit.
. Housing: Many seniors live alone and rent, and due to limited income, affordable
housing options are important.
According to the 2008 American Community Survey, approximately 17,313 elderly persons
resided in San Bernardino, representing 8.5 percent of the total population. Approximately
7,196 elderly persons were considered frail elderly; that is, they were seniors with a
disability.
A larger proportion of senior households had low and moderate incomes (59 percent)
compared to all households (55 percent). Approximately 35 percent of elderly households
experienced one or more housing problems, such as overpayment or substandard housing,
compared to the citywide average of 50 percent. However, elderly residents who rent were
more likely to experience housing problems (57 percent). In addition, elderly residents are
often less able to make improvements to their housing due to limited income as well as a
higher rate of disabilities (Table 13).
Table 13 Elderly Profile - 2000
%of . Population With a Low /Moderate Households with .
Income
Population' Disability' Households' Housing Problems'
Elderlv 8.5% 47.7% 58.9% 35.1%
All Households 100% 22.4% 54.8% 49.9%
Sources: 1\ U.S. Census Bureau, 2000 Census; 2) HUD CHAS. 2004
As described above, there are 10 facilities that have a capacity to provide residential care
for up to 398 elderly persons. As shown in Table 14, San Bernardino has several affordable
senior housing developments that are income restricted and provide housing opportunities
for the elderly in the community.
Chapter 3: Community Needs
Page 20
City of San Bernardino
2010-2015 Consolidated Plan
Table 14: Low Income Senior HouslnCj In the City of San Bernardino
Name Location T olal Units
AHEPA 302 Aoartments 377 E. Gilbert Street 90
Arrowhead Woods 1650 W. 16th Street 51
Casa Bernardine Retirement Center 1589 N. Waterman Ave 241
Casa Ramona Senior Comolex 1519 W. 8th Street 44
Jefferv Court Senior Aoartments 3677 Central Avenue 184
Laurel Place 363 E. Gilbert Street 70
Liaht's Rancho Linda 1642 W. 27'" Street 50
The Plaza 5655 N. G Street 160
San Bernardino Senior Housina 1540 W. Baseline Ave. 75
SI. Bernardine's Plaza 550 W. 5" Street 150
TELACU I Sierra Vista 650 W. 6" Street 75
TELACU II Monte Vista 451 N. H Street 75
TELACU III Buena Vista 365 E. Commercial Rd. 75
Total 1.340
The majority of elderly in the City of San Bernardino have access to the programs that
operate in the City. Many of these programs are provided at the two senior centers: Fifth
Street Senior Center and Perris Hill Park Senior Center. Many groups in San Bernardino
provide supportive services to the elderly (Table 15).
In general, service needs of the elderly include adult day care, crime/victim and legal
services, education services, employment and training, emergency services, financial aid
and benefits, health information and services, housing services, in-home services, mental
health services, and transportation services.
Table 15 Senior Services In the City of San Bernardino
Name Location Services
Casa Ramona Center 1524 W. 7" Street Social recreation, conareaate meals
Social recreation, congregate meals, health
Delmann Heights Community 2969 Flores Street screening, in-home support services,
Center security/crime assistance, transportation
assistance
Hernandez Nutrition Center 222 Luao Avenue Nutritional Services
Lvtle Creek Communitv Center 380 S. K Street Nutritional Services
Perris Hill Senior Center 780 E. 21st Street Social recreation, congregate meals, health
screening, information and assistance
Social recreation, congregate meals, case
management, consumer services, employment
San Bernardino Senior Center 600 W. 5" Street assistance, health screening, information and
assistance, in-home support services, mental
health screenina, resoite care
Highland Senior Center 3102 E. Highland Senior nutrition, recreational and social
Ave. oooortunities, and transportation
Home of Neighborlv Service 839 N. MI. Vernon Senior nutrition, recreational opportunities
Chapter 3: Community Needs
Page 21
City of San Bernardino
2010-2015 Consolidated Plan
Persons with Disabilities
The Americans with Disabilities Act defines a disability as a "physical or mental impairment
that substantially limits one or more major life activities." Physical disabilities can hinder
access to conventionally designed homes, prevent persons from earning adequate income,
and restrict mobility around a community. Mental disabilities can affect a person's ability to
maintain a home or job. As such, persons with disabilities often require additional services,
often related to health, transportation, and special housing needs. Special housing needs for
persons with a disability can fall into two categories: 1) physical design to address mobility
impairments; and 2) social, educational, and medical support to address developmental and
mental impairments. Housing opportunities for individuals with disabilities can be addressed
through the provision of affordable, barrier free housing. Rehabilitation assistance can be
targeted toward disabled renters and homeowners for unit modifications to improve
accessibility.
An estimated 18,248 persons3 in the City of San Bernardino (nine percent of the population)
have one or more disabilities. This proportion is similar to that of San Bernardino County,
where 10 percent of the population is disabled. According to the 2008 American Community
Survey, approximately 10,124 persons with a disability in San Bernardino are within working
age (18-64 years old). Of these persons with a disability who are of working age,
approximately 29 percent are employed. An estimated 28 percent of persons with disabilities
live below the poverty line.
Severely Mentally 11/
Severe mental illness includes the diagnoses of psychoses (e.g. schizophrenia) and the
major affective disorders (e.g. bipolar, major depression). According to national estimates,
approximately one percent of the adult population meets a definition of severe mental illness
based on diagnosis, duration, and disability. Based on this estimate, roughly 2,036 persons
in the City may suffer from severe mental illness.
Housing is an integral part of a system of care for the severely mentally ill because the prime
support network and focus of daily living activities is associated with the residence. The
major barrier to stable, decent housing for the seriously mentally ill is the availability of
affordable housing. A substantial majority of persons in this population depend solely on
Social Security Insurance payments. With limited income, few persons in this special needs
group can afford rental housing on the open market. Due to the lack of access to affordable
housing, mentally ill persons are at greater risk of becoming homeless or living in unstable
andlor substandard housing situations. In addition, health care and mental health services
are an integral component of care for persons with severe mental illnesses.
The San Bernardino County Department of Behavioral Health provides a variety of free and
low cost services and programs for low to moderate income households. Services for
individuals with mental health illnesses include adult services, alcohol and drug services,
children services, forensic services, patient rights, outpatient services, and crisis services.
3
The American Community Survey refers 10 the disability status of only the civilian non-institutionalized
population. Disability is defined as the restriction in participation that results from a lack of fit between the
individual's functional limitations and the characteristics of the physical and social environment. The Census
Bureau does not recommend any comparisons to disability data from the 2007 ACS and earlier due to
questionnaire changes.
Chapter 3: Community Needs
Page 22
City of San Bernardino
2010-2015 Consolidated Plan
The accessibility and affordability of health services are two major issues to low and
moderate income households since many do not have basic health insurance, or more
specialized care such as dental and vision care. In the past, the City has used CDBG funds
to support health services for low and moderate income households, particularly health
services for youth.
Developmentally Disabled
The term developmental disability describes a number of conditions that permanently restrict
an individual's development. The State of California identifies developmental disability as a
diagnosis originating before age 18 of one or more of the following conditions: mental
retardation, epilepsy, cerebral palsy, and autism. The definition of developmental disability
also relates to a person's score on standardized intelligence tests. Persons with an IQ below
70 are typically defined as developmentally disabled. According to the California State
Council of Developmental Disabilities (SCDD), approximately 1.8 percent of the State's
population fits the definition of developmentally disabled. Applying this estimate to the City
of San Bernardino, an estimated 3,680 persons in the City may be considered
developmentally disabled.
It is possible for developmentally disabled persons to live and work independently within a
conventional housing environment. Severely disabled individuals require a group living
environment where supervision is provided. The most severely affected individuals may
require an institutionalized environment where medical attention and physical therapy are
provided.
Six adult day care facilities (with a total capacity of 295 persons) in San Bernardino are
licensed by the State Department of Social Services to serve the disabled, including those
with developmental disabilities.
Physically Disabled
According to the 2008 American Community Survey, 17,320 adults aged 18 and over
suffered from one of more disabilities in San Bemardino. Over half of those adults suffered
from problems with living independently, which is defined as having difficulty completing
everyday tasks and errands due to physical, mental, or emotional problems. Self-care
limitations are also common for persons with physical disabilities; over 5,000 adults in San
Bernardino are estimated to have difficulty doing tasks such as dressing or bathing
themselves (Table 16).
The Americans with Disabilities Act (ADA) of 1990 and amendments to the Fair Housing Act,
as well as California law, require ground-floor units of new multi-family developments with
more than four units to be accessible to persons with disabilities. However, units built prior to
1989 are rarely accessible to persons with disabilities. Furthermore, not all new construction
may have the range of modifications needed by specifiC individuals. Older units, particularly
older multi-family structures, are very expensive to retrofit for disabled occupants because
space is rarely available for elevator shafts, ramps, widened doorways, etc. In addition to
changes to the units, the site itself may need modification to widen walkways and gates, and
to install ramps.
Chapter 3: Community Needs
Page 23
City of San Bernardino
2010-2015 Consolidated Plan
Table 16' Disability Types found in Adult CIvilian Population (Aged 18+) - 2008
Tvoe of Disabilitv Number of Adults
With a Hearing Difficulty 3,267
With a Vision Difficulty 3.766
With a Cognitive Difficulty 6,686
With an Ambulatory Difficulty 11,904
With a Self-Care Difficulty 5,068
With an Independent Living Difficulty 8.796
Note: Adults may have one or more disabilities, Total number of adults with one or more disabilities is estimated at 17.320
Source: U,S, Census Bureau; 2008 American Communitv Survev
Female-Headed Households
Single-parent households are likely to have special needs for housing, including proximity
and access to day care, public transportation, and recreation facilities. In 2008, households
headed by women comprised approximately 23 percent (13,411 households) of all
households in San Bernardino, Of these households, the majority (7,024 households)
included children.
Female-headed households comprise a disproportionate number of families that are living in
poverty. In the City, approximately 33 percent of female-headed families are living below the
poverty level, whereas only 15 percent of married couple families are living below the
poverty level. Countywide, 30 percent of the female-headed families were living in poverty,
and only seven percent of married couple families were living in poverty.
Large Households
Large households, defined as those with five or more persons, have special housing needs
due to greater household expenses in relation to income and the lack of adequately sized,
affordable housing, As a result, large households often live in overcrowded conditions. For
San Bernardino, the 2008 American Community Survey estimated that 11,454 households
had five or more members, representing almost 20 percent of the total households in the
City,
The special Census tabulations for HUD, Comprehensive Housing Affordability Strategy
(CHAS), indicate that among the large households in the City, approximately 74 percent
experienced some form of housing problems in 2000 (Table 17). These housing problems
include overcrowding, cost burden, or substandard housing conditions. As such, there is a
need for larger affordable housing units (with three or more bedrooms) in the City,
Table 17' Large Household Profile. 2000
Special Need Group % of Total Lowl Moderate Housing
Households' Income' Problems'
Lame Households 22.4% 60.9% 74.4%
All Households 100% 54.8% 49,9%
Sources: TI U,S, Census Bureau. 2000 Census; 2\ HUD CHAS, 2004
Chapter 3: Community Needs
Page 24
City of San Bernardino
2010-2015 Consolidated Plan
People with HIV Infection and AIDS
For persons living with HIV/AIDS, access to safe, affordable housing can be as important to
their general health and well-being as access to quality health care. For many, the persistent
shortage of stable housing is the primary barrier to consistent medical care and treatment.
According to the California Department of Public Health, a total of 1,439 HIV and 1,759
AIDS infected persons lived in San Bernardino County as of December 31, 2008.
The Housing Opportunities for Persons with AIDS (HOPWA) Program is a federally funded
housing program to address the specific needs of persons living with HIV/AIDS and their
families. Since 1993, the City of Riverside has administered the HOPWA formula grant for
communities in San Bernardino and Riverside counties. The City of Riverside contracts with
the County of San Bernardino to provide supportive services for persons with HIV/AIDS. The
City of San Bernardino does not qualify HOPWA formula funding. HOPWA funds are
distributed to metropolitan areas with a population of more than 500,000 and at least 1,500
cumulative AIDS cases. In these metropolitan areas, the largest City serves as the Formula
Grant Administrator. For the San Bernardino-Riverside metropolitan area, the City of
Riverside, as the largest City, administers the region's HOPWA grant.
In 1994, the Department of Public Health of San Bernardino County began receiving Ryan
White Program funding to support programs in San Bernardino County and Riverside
County. As of May 1, 2008, the San Bernardino and Riverside Counties have a total of eight
public and community-based organizations funded by the Ryan White Program that provide
services to those who lack health insurance and financial resources to care for their ailment.
San Bernardino Public Health Reproductive Health Services provides family planning
services to residents in both San Bernardino and Riverside Counties. Services include birth
control methods, male and female reproductive exams, STD testing and treatment, HIV
testing and referrals, pregnancy testing and counseling, education, and specialized teen
services.
Alcohol/Other Drug Abuse
Alcohollother drug abuse is defined as excessive and impairing use of alcohol or other
drugs, including addiction. The National Institute of Alcohol Abuse and Alcoholism estimates
the number of men with drinking problems (moderate or severe abuse) at 14 to 16 percent
of the adult male population and the number of women with similar problems at six percent.
Applying these general estimates, over 15,000 San Bernardino adult residents may have
substance abuse problems.
The San Bernardino County Department of Behavioral Health Office of Alcohol and Drug
Programs provides a full range of alcohol and drug services for communities and residents.
Prevention, outpatient, and residential programs are offered in every significant population
center in the County through contracts with community-based organizations. The following
organizations and programs in the City of San Bernardino provide services such as alcohol
detoxification, treatment for chemical dependency, and homeless programs:
. Inland Behavioral and Health Services, Inc.
. Casa de San Bernardino, Inc.
. New House
Chapter 3: Community Needs
Page 25
City of San Bernardino
2010-2015 Consolidated Plan
. San Bernardino County Public Health Department
. SAC Health Systems
. San Bernardino Center for Change
. Institute for Public Strategies
. Miracles in Recovery
. Veterans Alcoholic Rehabilitation Program
Victims of Domestic Violence
Domestic violence often goes unreported, which makes it difficult to assess the extent of the
problem in communities. One source for San Bernardino is the county's Continuum of Care
application for Shelter Housing Program funds, which estimated that 12 percent of local
homeless are victims of domestic violence. A primary need for victims of domestic violence
is emergency shelter in a safe and confidential location. Subsequently, affordable housing
options are important to provide victims with options for housing, so as not to have to return
to an unsafe home.
Supportive case management services can be extremely helpful to break the cycle of
violence for victims of domestic violence. These services can include counseling, court
accompaniment, information and referrals, and personal advocacy. In addition, emergency
andlor transitional shelter, in a confidential place, is often necessary to ensure victims'
safety.
5. Estimates of Current Housing Needs
The CHAS developed by the Census for HUD provides detailed information on housing
needs by income level for different types of households. Detailed CHAS data based on the
2000 Census is displayed in Table 18.
Based on CHAS, housing problems include: units with physical defects (lacking complete
kitchen or bathroom), overcrowded conditions (housing units with more than one person per
room), housing cost burden exceeding 30 percent of gross income, or severe housing cost
burden exceeding 50 percent of gross income. The types of problems vary according to
household income, type, and tenure. Some highlights include:
. In general, San Bernardino renter-households had a higher level of housing
problems (61.8 percent) compared to owner-households (39.1 percent).
. Large renter-households in the City of San Bernardino had the highest level of
housing problems regardless of income level. Almost all (96 percent) of both
extremely low income and low income large family-renters experienced housing
problems.
Among the other household types, a high percentage of elderly households also suffered
housing problems. t.pproximately 76 percent of the extremely low income and 66 percent of
low income elderly renters suffered from a housing problem. Cost burden was a major
component of housing problems for the elderly.
Chapter 3: Community Needs
Page 26
City of San Bernardino
2010-2015 Consolidated Plan
Table 18 Housing Assistance Needs of Low and Moderate Income Households. 2000
Household by Type, Income, Renters Owners Total
Small large Total Total
and Housing Problem Elderly Families Families Renters Elderly Owners Households
~xtremelY ~~w Income 938 3,650 2,185 8,863 1,039 2,802 11,665
0-30% MFI
% with any housina nroblem 75.5 89.3 97.5 86.5 67.3 72.2 83.0
% with cost burden> 30% 75.1 84.7 87.0 81.6 67.3 69.2 78.6
% with cost burden> 50% 56.0 67.3 67.0 65.4 46.2 53.3 62.5
Low Income 843 2,350 1,400 5,308 945 2,796 8,104
131-50% MFI\
% with any housina problem 65.8 83.6 93.2 83.9 42.9 69.1 78.8
% with cost burden> 30% 65.2 71.3 60.7 69.2 42.9 84.8 67.7
% with cost burden> 50% 22.6 18.1 12.5 19 25.4 37.7 25.5
Moderate Income 419 2,380 1,214 5,342 1,320 5,624 10,966
151-80% MFI\
% with anv housiiiOOroblem 42.7 52.9 76.1 53.9 28.0 58.8 56.5
% with cost burden> 30% 40.3 31.9 17.2 30.4 26.9 44.1 37.4
% with cost burden> 50% 9.3 1.1 1.2 2.4 10.2 11 6.8
T olaf Households 2,435 11,950 5,849 26,643 6,571 29,457 56,100
% with anv housinaDroblem 56.5 59.1 85.5 61.8 27.1 39.1 49.9
Note: Data presented in this table is based on special tabulations from sample Census data. The number of households in each category usually
deviates slightly from the 100% count due to the need to extrapolate sample data out to total households. Interpretations at this data should focus
on the proportion of households in need of assistance rathe; :~an ~ freeise numbers.
Scurce: HUD Comnrehensive Housino Affordabilitv Strateav CHAS Data, 2004.
Disproportionate Housing Need
Disproportionate need refers to any need that is more than 10 percentage points above the
need demonstrated for the total households. For example, 85.5 percent of large renter
families (a subset of renter-households) experienced housing problems, compared to 61.8
percent of all renter-households or 49.9 percent of all households. Thus, large families that
are renting have a disproportionate need for housing assistance.
Extremely low Income Households (0-30 Percent MFI)
Of households in the City with a housing problem (49.9 percent), extremely low income
households experienced a disproportionate number of housing problems (83 percent).
Among extremely low income households, a higher percentage of renter-households (87
percent) had housing problems compared to owner-households (72 percent). Extremely low
income large renter families had a higher incidence of problems (97.5 percent) than other
extremely low income households (83 percent).
Low tncome Households (31-50 Percent MFI)
Approximately 79 percent of all low income households experienced one or more housing
problems, compared to 50 percent of all households in the City. Thus, -low income
households also have a disproportionate need compared to the general population. Again,
renters disproportionally experienced housing problems compared to owners, as 84 percent
of renters experienced some type of housing problem, compared to 69 percent of owner-
households in this income group.
Chapter 3: Community Needs
Page 27
City of San Bernardino
2010-2015 Consolidated Plan
Low income large family renter-households had the greatest level of need among low
income households, with over 93 percent facing some type of housing problem. Small-family
renter-households are the next group in need, with 84 percent facing housing problems.
Approximately 66 percent of all low income elderly renter-households had housing
problems.
Moderate Income Households (51-80 Percent MFI)
Approximately 57 percent of all moderate income households experienced housing
problems. Similar to low and extremely low income households, a lower proportion of
moderate income owner-households (59 percent) had housing problems, compared to
renter-households (54 percent); however, the discrepancy is not large. Large-family renter-
households experienced the highest percent of housing problems compared to other
moderate income households. A large portion of the housing programs were associated with
overcrowding and housing conditions, rather than with cost burden.
Disproportionate Housing Need based on Race/Ethnicity
Table 19 below indicates the disproportionate needs of racelethnic groups in San
Bernardino, as calculated by the CHAS. A disproportionate need was concentrated among
minority elderly and small and large family renters and owners.
Table 19. San Bernardino Disproportionate Needs
Income Levels
Extremely low Income
(0 - 30% AMI)
Low Income
(31 - 50% AMI)
Moderate Income
(51 - 80% AMI)
Scurce: CHAS. 2004.
6. Public Outreach Housing Needs Results
As part of the public outreach for the 2010-2015 Consolidated Plan, the City of San
Bernardino conducted a community meeting and a community survey. The comments and
insight provided from those sources are discussed here.
Community Meeting
Housing was one of the primary issues discussed by participants at the San Bernardino
Consolidated Plan community meeting. Participants were primarily concerned about housing
affordability and voiced a need for new affordable housing, especially for seniors and
disabled persons. Multi-family housing and mixed-use housing (housing with a retail or
commercial component included) were recommended. Participants noted that the Section 8
wait list is long, and the application is complex. With rising unemployment, participants
noted a need for rental gap assistance to keep people in their homes.
City staff estimated that approximately 5,000 homes have been foreclosed in San
Bernardino between January 2008 and January 2010. The City has used Neighborhood
Stabilization Program funds to purchase foreclosed and abandoned homes and re-sell these
Chapter 3: Community Needs
Page 28
City of San Bernardino
2010-2015 Consolidated Plan
to low and moderate income homebuyers. Renters have also been affected by the
increasing rate of foreclosures. When investment properties are foreclosed. the renter is the
last person to know. There is often confusion over who to pay as well as concerns about
fraud.
Participants also noted that post-incarcerated persons have difficulty finding housing. as
applications ask for information on incarceration. limiting access to housing options in the
City. The Inland Fair Housing and Mediation Board noted that while in previous years. race
was the basis for most discrimination complaints. now disabled status is the most common
fair housing complaint the Board receives.
Participants noted a need for housing rehabilitation assistance in single-family homes to
address blight and overcrowded conditions. Housing rehabilitation assistance can give
neighborhoods a facelift and encourage continued investment in the area.
Community Survey
Housing was one of the components of the community survey that was posted on the City's
website for residents and service providers. Respondents were asked to rank the relative
importance of a variety of types of programs and projects for each category. For each
category, the respondent was asked to indicate unmet needs that warrant expenditure of
public funds by ranking the relative importance of each need. In tabulating the survey
results. the lower averages (and closer to 1) represent the community's assessment of that
category as more in need. The survey indicated that participants felt that ownership housing
rehabilitation. homeownership assistance. and energy efficient improvements were the most
important housing needs in the community (Table 20).
Table 20: HouslnCj Survey Results
Rank
Order
1
2
3
4
5
6
7
8
9
10
7. Homeless Needs
Like many areas of California. San Bernardino County has a significant homeless population
due largely to the lack of affordable housing. The City of San Bernardino has stated its
commitment to coordinate services and facilities available for the homeless as a Continuum
of Care. The Continuum of Care stresses permanent solutions to homelessness through
comprehensive and collaborative community planning. The goal of a comprehensive
Chapter 3: Community Needs
Page 29
City of San Bernardino
2010-2015 Consolidated Plan
homeless service system is to ensure that homeless individuals and families move from
homelessness to self-sufficiency, permanent housing, and independent living.
The following sections provide an overview of the homeless population in San Bernardino,
summarize the housing and supportive service needs of the homeless and persons and
families at risk of becoming homeless, and provide descriptions of services and facilities
available to serve the City's homeless population and those who are at risk of becoming
homeless. Service and facility gaps in the Continuum of Care are also identified.
Homeless Population
The County of San Bernardino Office of Homeless Services conducted a comprehensive
survey of the County's homeless population in 2009. According to the 2009 San Bernardino
County Point-in-Time Homeless count and survey, approximately 1,736 homeless persons
live in the City of San Bernardino. with 968 of the persons classified as unsheltered
homeless, 747 persons estimated to be living in emergency or transitional housing facilities.
and the remaining 21 persons counted as using a hotellmotel voucher during the night of the
survey.
As part of the 2009 Homeless Count and Survey. interviews were conducted with homeless
persons regarding demographics and their housing and service needs. Some of the more
significant findings are as follows:
. The most cited reason for being homeless was the loss of employment. The top
three cited reasons for why sheltered homeless were unable to obtain or maintain
employment were lack of jobs (33 percent). need more education (30 percent). and
lack of transportation (27.4 percent).
. Approximately 24 percent of the sheltered homeless surveyed were employed.
compared to only 10 percent of the surveyed unsheltered homeless.
. When asked to indicate any government assistance received, approximately 47.3
percent of unsheltered survey respondents indicated they received no government
assistance. compared to only 29.6 percent of sheltered survey respondent indicating
their received no government assistance.
. Approximately 44.8 percent of all unsheltered survey respondents indicated that they
were experiencing a serious physical illness or disability. whereas only 24.4 percent
of all sheltered respondents indicated such.
. The majority of both sheltered and unsheltered respondents indicated that they lived
alone; 32.7 percent of the sheltered homeless respondents indicated that they lived
with family members only, including children. whereas only 5.7 percent of the
unsheltered respondents did.
Homeless Subpopulations
Since homelessness is a regional issue. data presented in this section is also based on
statistics for the entire County in addition to statistics for the City. Much of the data were
obtained from the San Bernardino County's 2009 Application for Supportive Housing Grants
Chapter 3: Community Needs
Page 30
City of San Bernardino
2010-2015 Consolidated Plan
to implement the Continuum of Care system. San Bernardino County's homeless can be
divided into these subpopulations: chronically homeless, severely mentally ill. chronic
substance abusers. veterans. persons with HIV/AIDS. victims of domestic violence, and
unaccompanied youths. Chronically homeless persons make up 26 percent of the homeless
population, 12 percent are victims of domestic violence, 18 percent are chronic substance
abusers, 21 percent are severely mentally ill. another two percent are living with HIV/AIDS.
18 percent are veterans. and three percent are unaccompanied youths.
Persons Threatened with Homelessness
Experts estimate that two to three families are on the verge of homelessness for every
family in a shelter. The at-risk population is comprised of families and individuals living in
poverty who. upon loss of employment or other emergency requiring financial reserves,
would lose their housing and become homeless. These families are generally experiencing
a housing cost burden, paying more than 30 percent of their income for housing, and are
often living in overcrowded conditions. According to the CHAS data, 63 percent of the City's
extremely low income households and 26 percent of the low income households were
paying more than 50 percent of their income on housing in 2000. These households are
most vulnerable to sudden change in financial situations and may as a result become
homeless.
Individuals released from penal, mental, or substance abuse facilities also are at risk of
homelessness if they cannot access permanent housing or lack an adequate support
network, such as a family or relatives in whose homes they could temporarily reside.
Another particularly vulnerable population is foster care children. Upon reaching 18 years of
age, foster children lose eligibility for many public services and are released, often without
the skills necessary to obtain employment and a place to live. Several agencies throughout
the County provide temporary housing and services to abused, neglected. abandoned,
andlor runaway children. Once these children reach legal adult age, the services provided
by these agencies cannot continue. It is important to ensure that these young adults do not
age out of their program into a life of homelessness. Agencies such as the San Bernardino
County Department of Public Health-One Stop Transitional Age Youth Center and the
Centralized Children's Intensive Case Management Services (CCICMS) playa critical role in
planning a discharge plan to ensure youth with physical, mental, andlor substance abuse
issues are identified prior to their emancipation, and that they are linked to appropriate
supportive services and housing.
Another group of at-risk homeless persons is those facing foreclosures. The City of San
Bernardino is experiencing significant number of foreclosures due to the current mortgage
crisis and recession. Foreclosures impact not only the homeowners but also renters when
their landlords fail to make mortgage payments on their rental properties.
Inventory of Facilities and Services for the Homeless and Persons Threatened with
Homelessness
The San Bernardino County Homeless Partnership (SBCHP) was formed to provide a more
focused approach to issues of homelessness within the County. The Partnership consists of
community and faith-based organizations. educational institutions, nonprofit organizations,
private industry. and federal. state. and local governments.
Chapter 3: Community Needs
Page 31
City of San Bernardino
2010-2015 Consolidated Plan
SBCHP was developed to promote a strong collaboration between agencies to direct the
planning, development, and implementation of the County's Ten-year Strategy to End
Chronic Homelessness. SBCHP provides a comprehensive countywide network of service
delivery to the homeless and near-homeless families and individuals through facilitating
better communication, planning, coordination, and cooperation among all entities that
provide services andlor resources for the relief of homelessness in San Bernardino County.
The passage of the American Recovery and Reinvestment Act (ARRA) of 2009 provided
$1.5 billion for communities throughout the United States to provide financial assistance and
services to either prevent individuals and families from becoming homeless or help those
who are experiencing homelessness to be quickly re-housed and stabilized. HUD
administers these funds through the Homeless Prevention and Rapid Re-Housing Program
(HPRP). For applicants meeting HPRP eligibility requirements, services may include short-
term and medium-term rental assistance and utility assistance, housing relocation and
stabilization services, case management services. For the City of San Bernardino, services
are administered by Inland Temporary Homes.
Preventive services are aimed at preventing the incidence of homelessness by assisting
individuals and families from slipping into the cycle of homelessness due to a temporary or
sudden loss of income. Mainstream preventive programs that are provided countywide
include:
. Emergency food assistance through food banks and local food pantries
. Community-based counseling services
. Low Income Home Energy Assistance Program (HEAP)
. Emergency Food and Shelter Grants (EFSG) Program
. Food Stamp Employment and Training (FSET) Program
. Community-based case management and life skill training for low income
households
San Bernardino County's Behavioral Health Department is the primary non-HUD funded
outreach service provider to the chronically homeless, which receives funding from the State
of California via the Mental Health Services Act (2004). Some of the services provided
include outreach, crisis intervention, homeless prevention, specialized treatment after
release, and housing placement and maintenance services.
The Inland AIDS Project, Foothill AIDS Project, Inland Behavior and Health Services, and
the San Bernardino County Department of Public Health all work together providing medical
services to homeless persons, including field tests for TB, HIV, and other communicable
diseases. These agencies also provide general outreach functions related to such diseases.
Emergency shelters often provide accommodation for a few days up to three months.
Transitional housing provides shelter for an extended period of time (as long as 18 months)
and generally includes integration with other social services and counseling programs that
assist people in attaininq a permanent income and housing. Permanent supportive housing
is rental housing for low income or homeless people with severe mental illness, substance
abuse, or HIV/AIDS with accompanying services that further self-sufficiency.
A network of nonprofit organizations operates 24 emergency shelter facilities, 24 transitional
housing facilities, and seven permanent supportive housing facilities within the County.
Chapter 3: Community Needs
Page 32
City of San Bernardino
2010-2015 Consolidated Plan
Specifically, the County, individual jurisdictions. and numerous agencies oversee a total of
425 beds in emergency shelters, 461 beds in transitional housing shelters, and 157 beds in
permanent supportive housing settings. Currently, 67 permanent supportive and 74
transitional housing beds are under development throughout San Bernardino County.
The City has cooperative partnerships with numerous organizations that help with homeless
services. Table 21 provides a list or homeless service providers within the City.
Table 21. Homeless Partnerships
Oraanization Name location Services
Arrowhead United Wav 646 North 'D' Street Health and human care services.
Catholic Charities - San 1800 Western Avenue, Health and human care services.
Bernardino #107
Center of Christ
Ministriesllnland Empire 468 West 5th Street Health and human care services.
Marriaae Coalition
Housing program for individuals affected with
Central City Lutheran Mission 1354 North 'G' Street HIV; Cold weather shelter program during the
winter months, for men only; Health and
human care services.
Community Action Partnership 696 S. Tippecanoe Ave.
of San Bernardino County Health and human care services.
(CAP)
First 5 San Bernardino 330 North 'D' Street, 5th Health and human care services to children
Floor under 5 and their famiiies.
I nland Behavioral Health 1963 North 'E' Street Health and human care services; Substance
Services, Inc. abuse treatment
Transitional housing for single men and
Phase 1 Transitional Living 1106 N. Barton St. Suite B women; or women with children. Health and
human care services.
The Salvation Army 746 West 5th Street Emergency Shelter; Cold weather shelter
proaram durina the winter months
Health and human care services; Cold
The Salvation Army 730 W. Spruce Street weather shelter program during the winter
months; Motel Vouchers are provided to
women and women with children
Homeless shelter for women recovering from
Time For Change Foundation 2130 N. Arrowhead Ave. the effects of mental and physical abuse,
substance abuse and incarceration; Health
and human care services
Source: San Bernardino Housinc Element, 2008
Continuum of Care Gap
Based on the homeless profile developed by the County of San Bemardino in the point-in-
time survey and the capacity of facilities/services offered. the unmet need can be
determined. As shown in Table 22, the San Bernardino County 2009 Continuum of Care
identifies an existing need in the County for nearly 790 emergency shelter beds, 258
additional transitional beds. and 381 permanent supportive housing units for both individuals
and person in families with children.
Chapter 3: Community Needs
Page 33
City of San Bernardino
2010-2015 Consolidated Plan
Beds
140 0 0 790
142 36 0 0
132 0 17 361
414 36 17 1151
285 0 0 0
276 7 74 258
25 0 50 0
586 7 124 258
lication
Beds
8. Public and Assisted Housing Needs
The Housing Authority of the County of San Bernardino (HACSB) manages 1,661 units of
public housing throughout the County of San Bernardino. These units were developed with
funding from HUD, and HACSB continues to receive operating subsidies for these units.
Throughout the years, other non-HUD units were either acquired andlor developed through
various partnerships with the State of California, San Bernardino County of Community
Development and Housing, various cities and Housing Partners, Inc., a non-profit housing
corporation. Throughout the County, HACSB has 1,136 authority-owned units, and 154 of
those units are located in the City of San Bernardino. There are 19,807 people on the public
housing waiting list; 5,780 of those live in the City of San Bernardino.
The demographic information of public housing residents in both the County and City of San
Bernardino is presented in Table 23. More than a quarter of public housing households have
a disabled member and 10 percent have an elderly member. With regard to race, public
housing residents are most likely to be White or Black (49 percent and 40 percent,
respectively). Almost half (46 percent) of public housing residents are of Hispanic origin.
Demographic information of the public housing waiting list is not available.
Chapter 3: Community Needs
Page 34
City of San Bernardino
2010-2015 Consolidated Plan
County
S cial Needs
Elderl
Disabled
Race
White
Black
American Indian
Asian
Native Hawaiian
Other/Declined to Answer
Ethnicit
His anic
Non-His anic
Declined to Answer
Notes:
1. Data for family type calculates percentage of families with any family member
exhibiting characteristic
2. Data for ethnicity accounts for all persons in households receiving housing choice
vouchers
Source: Housin Authorit of the Count of San Bernardino, 2010
10.3%
25.4%
7.0%
13.0%
48.7%
39.5%
0.2%
6.2%
2.5%
2.9%
56.5%
36.1%
0.6%
4.9%
1.9%
46.1%
53.1%
0.8%
44.7%
54.8%
0.5%
Tenant-Based Rental Housing Assistance
Section 8 is a rent subsidy program that helps low income families (those earning up to 50
percent MFI) and seniors pay rents in private units. Section 8 tenants pay a minimum of 30
percent of their income for rent and the Housing Authority through funds provided by HUD
pays the difference. up to the payment standard established by the Housing Authority. The
program offers low income households the opportunity to obtain affordable. privately-owned
rental housing and to increase their housing choices. The Housing Authority establishes
payment standards based on HUD-established fair market rents. The owner's asking price
must be supported by comparable rents in the area. Any amount in excess of the payment
standard is paid by the program participant.
As of 2009. 7,771 households received a Housing Choice Voucher (HCV). commonly
referred to as Section 8. in the County of San Bernardino. Residents in the City of San
Bernardino receive the largest proportion of those vouchers (2,249 vouchers). Countywide.
approximately 68 percent of HCV recipients have children, are seniors, or are individuals
with disabilities; approximately 47 percent are households with children, nine percent of
households are headed by seniors, and 20 percent of all residents receiving a Housing
Choice Voucher are disabled. The waiting list for the HCV Program has over 27.000
applicants, 7,453 of which are residents of the City of San Bernardino. Table 24 presents
the demographic characteristics of HCV participants and those on the HCV waiting list.
Chapter 3: Community Needs
Page 35
City of San Bernardino
2010-2015 Consolidated Plan
Table 24: DemoCjraphics of Housmg Choice Voucher Participants and
Waltmg List
Partici Dants Waitinc List
City of San County City of San County
Bernardino Bernardino
Totals 2,249 7,771 7.453 27,412
Family Type
Elderly 17.6% I 9.0% I 5.0% 5.9%
Disabled 44.3% I 20.0% I 6.4% 1.6%
Race
White 36.8% 42.3% 22.1% 24.7%
Black 55.2% 55.4% 56.7% 54.9%
American Indian 0.5% 0.6% 1.3% 1.6%
Asian 1.5% 1.6% 1.2% 1.1%
Native Hawaiian 0.0% 0.1% 0.7% 0.7%
Other/Declined to Answer 6.0% -- 18.0% 16.9%
Ethnicity
Hispanic 28.0% 25.2% 27.4% 25.6%
Non-Hispanic 72.0% 74.8% 62.7% 63.9%
Declined to Answer -- -- 9.8% 10.4%
Notes:
I. Waiting list was closed to new applicants in 2007
2. Data for family type calculates percentage of families with any family member exhibiting characteristic
3. Data for ethnicity accounts for all persons in households receiving housing choice vouchers
Source: Housina Authoritv of the Countv of San Bernardino. 2010
More than 44 percent of HCV participants are disabled. and almost 18 percent are elderly.
More than half of HCV participants are Black (55 percent) and 28 percent are Hispanic. With
regard to the waiting list, a small percentage of households contain an elderly or disabled
member (5 percent and 6 percent, respectively). Racial/Ethnic characteristics of those on
the HCV waiting list are predominantly similar to those persons currently receiving HCV
assistance.
Inventory of Federally Assisted Housing Units
Eleven federally assisted multi-family housing projects provide 1,009 affordable housing
units in the City of San Bernardino. Table 25 provides data on the City's federally assisted
multi-family housing stock.
Potential Conversion to Market-Rate Housing
Among the 11 federally assisted multi-family housing projects, two projects are currently at
risk of transitioning to market rates (Table 25). The Village Green Apartments is a 184-unit
project that reserves 65 units for Section a vouchers. This development renews its Section a
contract annually; as such it could transition out of its current agreement at any time.
However, the development has renewed its contract consistently in the past. Sterling
Village, an aO-unit apartment building including 74 low income family units, has an
affordability covenant that is slated to expire in 2013. St. Bernardine Plaza, San Bernardino
Senior Housing, AHEPA 302 Apartments, and the three TELACU projects are considered
low risk projects. These are nonprofit-owned senior housing developments financed with
Chapter 3: Community Needs
Page 36
City of San Bernardino
2010-2015 Consolidated Plan
Section 202 funds. Renewal of Section 8 contracts for these developments is given a priority
by HUD.
Table 25. Federally Assisted Multi-Family Housing
Assisted Potential
Project Total Units Units Program Earliest
Exoiration
AHEP A 302 Apartments 90 90 Section 202 2064
Gilbert and Parks ide
Lutheran Senior 50 49 Bond / HOME 2040
2355 N. Osborn Road
Little Zion Manor 125 125 Section 8 2021
2000 Jubilee CI.
Pioneer Street Plaza 161 160 Section 8/ RDA UM 2055
540 North F Street
San Bernardino Senior Housing 74 74 Section 202/ HOME 2056
1530 W. Baseline Street
SI. Bernardine Plaza 150 148 Section 202/ HOME 2034
584 West 5th Street
Sterling Village 74 74 Section 8 4/28/2013
7630 Sterlina Avenue
TELACU I Sierra Vista 75 75 Section 202 2057
650 W 6th Street
TELACU II Monte Vista 75 75 Section 202 2057
451 H Street
TELACU III Buena Vista 75 74 Section 202 2059
365 E Commercial
Village Green Apartments 184 65 Section 8 5/31/2010
2122 Chestnut Street
Total 1.133 1.009
The City of San Bernardino Economic Development Agency (EDA) has preserved assisted
multi-family rental housing in the past by working with public and private housing agencies
that have expressed an interest in the right of first refusal. The EDA plans to use
redevelopment low income housing set-aside funds to support the preservation of units at-
risk of converting to market rate and facilitating the transfer to nonprofit organizations
capable of managing and maintaining the units. The City maintains a database of qualified
entities interested in acquiring and managing affordable housing.
Chapter 3: Community Needs
Page 37
City of San Bernardino
2010-2015 Consolidated Plan
B. Market Conditions
This section addresses characteristics of the housing supply in the City of San Bernardino,
including type, age, condition, costs, and availability. The implications of these housing
characteristics with respect to housing programs are also examined.
1. Housing Growth
In 2009, the California Department of Finance estimated that there were 66,640 housing
units in San Bernardino, an increase offive percent since 2000 (Table 26). San Bernardino's
housing growth over the past nine years was comparable to the growth experienced by
nearby cities, including Redlands and Rialto. Other surrounding cities, such as Fontana,
however, experienced tremendous growth in housing units (40 percent) between 2000 and
2009. The countywide increase in housing units was 15 percent during the same period.
Table 26 HOUSing Growth - 2000 and 2009
Jurisdiction Housin!l Units Percent Change
2000 2009 2lJOO..2009
San Bernardino 63,531 66,640 5%
Fontana 35,907 50,365 40%
Redlands 24,790 26,807 8%
Rialto 26,048 27,075 4%
San Bernardino County 601,369 690,234 15%
Source: State of California, Department of Finance. E-5 Population and Housing Estimates for Cities, Counties and the
State, 2001-2009"with 2000 Benchmark. Sacramento. California, Mav 2009.
2. Housing Type
The City of San Bernardino's housing stock is comprised primarily of single-family homes.
According to California Department of Finance estimates, single-family homes accounted for
63 percent of the housing stock in the City, whereas multi-family housing accounted for 30
percent in 2009 (Table 27). Seven percent of housing units in the City are mobile homes.
Surrounding jurisdictions share similar housing type characteristics, with all surrounding
jurisdictions having considerably greater proportions of single-family homes. A total of 75
percent of housing units in San Bernardino County are single-family homes, compared to
only 19 percent multi-family.
Chapter 3: Community Needs
Page 38
City of San Bernardino
2010-2015 Consolidated Plan
Table 27: Housing Type - 2009
Housina Tyoe
Jurisdiction Single Multiple Mobile Total Units
Family Family Home
San Bernardino 42,024 20,129 4,487 66,640
63% 30% 7%
Colton 10,268 5,185 815 16,268
63% 32% 5%
Fontana 41,345 7,116 1,304 50,365
82% 15% 3%
Highland 13,107 2,727 861 16,695
79% 16% 5%
Lorna Linda 4,909 3,137 562 9,208
51% 41% 6%
Redlands 18,236 7,652 919 26,807
68% 29% 4%
Rialto 19,633 5,639 1,803 27,075
73% 21% 7%
San Bernardino County 515,492 129,712 45,030 690,234
75% 19% 7% Source: State of California. Department of Finance, E-S Population and Housing Estimates for Cities. Counties and the
State, 2001-2009. with 2000 Benchmark. Sacramento, California, May 2009.
3. Housing Tenure and Vacancy
Housing tenure describes the arrangement by which a household occupies a housing unit,
Le., whether a housing unit is owner-occupied or renter-occupied. The way housing tenure
is distributed in a community can influence different aspects of the local housing market. For
example, residential stability is influenced by tenure, as ownership housing typically exhibits
lower turnover rate than rental housing. Higher cost burden, which is defined by HUD as the
ratio between payment for housing (including utilities) and reported household income, is far
more prevalent among renters. A household's tenure is strongly related to household
income, composition, and age of the householder.
San Bernardino is closely split between owner and renter occupied housing units, with 49
percent owner occupied and 43 percent renter occupied. The remaining eight percent of
houSin9 units were vacant in 2008 (Table 28).
Table 28 Housing Tenure - 2008
Jurisdiction Owner-Occupied
Housing Units
San Bernardino 30,977 49%
San Bernardino Count 365,279 53%
Source: U.S. Census Bureau, 2008 American Commun:! SUNe
Vacant Units
Chapter 3: Community Needs
Page 39
City of San Bernardino
2010-2015 Consolidated Plan
4. Housing Costs and Affordability
Ownership Housing Cost
Table 29 shows the median home prices for San Bernardino and surrounding jurisdictions in
both October 2008 and 2009. The median home price in San Bemardino decreased by 29
percent between October 2008 and 2009, from $120,000 to $85,000. San Bernardino
County as a whole, along with a majority of the cities within the county. had a similar decline
in home prices. representative of the national housing and economic crisis. The median
home price for the City of San Bernardino has remained approximately half that of the
County during the decline.
Table 29. Median Home Prices - 2009
Units Sold Median Home Prices % Change
Jurisdiction October 2009 October 2008 October 2009 Oct 2008 -
Oct 2009
San Bernardino 367 $120,000 $85,500 -29%
Adelanto 87 $122,250 $90,500 -26%
Barstow 42 $95,000 $60,750 -36%
Big Bear Lake 51 $335,000 $250,000 -25%
Colton 57 $159,000 $110,000 -31%
Fontana 363 $247,250 $210.500 -15%
Grand Terrace 13 $241,250 $175,000 -28%
Highland 67 $222,000 $160,000 -28%
Lorna Linda 15 $335,500 $188,000 -44%
Redlands 60 $253,500 $260,000 3%
Rialto 158 $190,000 $146,000 -23%
Yucaipa 60 $258,500 $196,750 -24%
San Bernardino County 3,176 $200,000 $150,000 -25%
Source: Data Quick Information Svstems, 2009
Rental Housing Cost
Given the large rental market in the City (43 percent of all housing units are rented). it is
important to evaluate the affordability of the housing stock available for rent. The following
are 2010 rental rates based on an internet search of available listings:
. Studio: $525 - $700
. One-bedroom apartment: $625 - $790
. Two-bedroom apartment: $795 - $900
. Three-bedroom apartment: $900 - $1,250
. Three-bedroom home: $1,100 - $2.200
Chapter 3: Community Needs
Page 40
City of San Bernardino
2010-2015 Consolidated Plan
Housing Affordability
Housing affordability for a household is dependent upon income and housing costs. Using
income limits established by HUD, current housing affordability can be estimated for the
various income groups (Table 30).
Table 30 Housing Affordabillty - San Bernardino County - 2009
Income Levels Maximum Affordable
Income Group Utilities Taxes & Housing Costs
Annual Affordable Insurance
Income Pavment Home Rental
Extremely Low (0-30% MFI)
One Person $14,000 $350 $50 $80 $38,674 $300
Small Family $18,000 $450 $50 $90 $54,495 $400
Large Family $21,600 $540 $50 $100 $68,558 $490
Low (30-50% MFI)
One Person $23,300 $583 $50 $115 $73,392 $533
Small Family $29,950 $749 $100 $130 $91,191 $649
Large Family $35,950 $899 $150 $145 $106,133 $749
Moderate (50-80% MFI)
One Person $37,300 $933 $50 $165 $126,129 $883
Small Family $47,950 $1,199 $100 $190 $159,749 $1,099
Large Family $57,550 $1,439 $150 $220 $187,875 $1,289
Notes:
1. Small Family = 3 persons; Large Families = 5 or more persons
2. Monthly affordable renl based on payments of no more than 30% of household income
3. Property laxes and insurance based on averages for the region
4. Calculation of affordable home sales prices based on a down payment of 10%, annual interesl rale of 6.5%. 3D-year mortgage, and
monlhly payment of gross household income
5. Median Family Income in 2009 for San Bernardino County = $65.400
Given the median home prices presented in Table 29, homeownership and market rents
may be within the reach of some low and moderate income households due largely to
declines in home prices during the 2007-10 recession. However, extremely low income
households cannot afford market rents in the City of San Bernardino.
5. Housing Condition
To ensure a suitable living environment, housing in a community should meet health and
safety standards and not present a hazard to residents.
Chapter 3: Community Needs
Page 41
City of San Bernardino
2010-2015 Consolidated Plan
Age of Housing Stock
State and federal housing programs typically consider the age of a community's housing
stock when estimating rehabilitation needs. In general, most homes begin to need repairs
and rehabilitation when they reach 30 to 40 years old. Table 31 shows that approximately 49
percent of the San Bernardino housing stock is over 30 years old, indicating the possibility of
needed repair and rehabilitation on half of the housing stock.
Table 31: Age of Housing Stock. 2008
Number of Units Percent of Total
Year Built San San Bemardino San San Bemardino
Bernardino County Bernardino Countv
1939 or Earlier 5,710 30,447 9% 4%
1940-1949 5,820 26,780 9% 4%
1950-1959 13,191 81,118 21% 12%
1960-1969 8,114 75,252 13% 11%
1970-1979 10,082 120.497 16% 18%
1980-1989 12,354 163,554 19% 24%
1990-1999 4,894 91.457 8% 13%
2000-2004 2,206 64.461 3% 9%
2005 or Later 1,556 33,804 2% 5%
Total 63,927 687,370 100% 100%
Source: u.s. Census Bureau. 2008 American Communitv SUNev
Housing Deficiencies
The U.S. Census Bureau's 2008 American Community Survey contains information
regarding the number of housing units that lack complete plumbing or complete kitchen
facilities. These conditions are both indicators of deficient housing units. Approximately 537
units in San Bernardino lacked complete plumbing and 488 units were without kitchen
facilities (Table 32). The percentage of units in the City that lacked complete plumbing was
slightly higher than in the County as a whole. The percentage of units lacking complete
kitchen facilities was the same for both the City and the County.
Table 32. Housing Stock Deficiencies. 2008
Units Lacking Complete Units Lacking Complete
Jurisdiction Plumbino Kitchen Facilities
Number of % oflotal Number of % oflotal
Units Occuoied Units Units Occupied Units
San Bernardino 537 0.90% 488 0.80%
San Bernardino County 3,256 0.60% 4,921 0.80%
Source: u.s. Census Bureau, 2008 American Communi!v SUNev
Lead-Based Paint Hazards
Lead poisoning can affect nearly every system in the body and its effects are especially
harmful to young children. According to the Centers for Disease Control (CDC),
approximately 250,000 children aged one to five years in the United States have elevated
levels of lead in their blood. Several factors contribute to higher incidents of lead poisoning:
Chapter 3: Community Needs
Page 42
City of San Bernardino
2010-2015 Consolidated Plan
. All children under the age of six years old are at higher risk.
. Children living at or below the poverty line are at a higher risk.
. Children in older housing are at higher risk.
. Children of some racial and ethnic groups and those living in older housing are at
disproportionately higher risk.
The CDC has determined that a child with a blood lead level of 15 to 19 micrograms per
deciliter (~g/dl) is at high risk for lead poisoning and a child with a blood lead level above 19
~g/dl requires full medical evaluation and public health follow-up.
Lead Hazards
Between 2006 and 2009 (three years), the County of San Bemardino Department of Public
Health's Childhood lead Poisoning Prevention Program reported 396 children with elevated
blood lead levels (Bll) of 10 micrograms per deciliter (mcg/dl) or greater. The cities of San
Bernardino, Fontana, Ontario, and Colton had the highest number of cases, respectively.
Cases in the City of San Bernardino accounted for 32 percent of total cases in the County
during that three-year period.
Estimating Number of Housing Units with Lead-Based Paint
The age of the housing stock is an important factor in estimating the number of housing
units with lead-based paint. In 1978, the use of lead-based paint on residential property was
prohibited. National studies estimate that approximately 70 percent of all residential
structures built prior to 1978 contain lead-based paint (lBP), and older structures have the
highest percentage of lBP.
CHAS data provides the number of housing units constructed before 1970 that were
occupied by lower income households. This data can be used to approximate the extent of
lBP hazards among lower income households. While information on units constructed
before 1978 is not available from CHAS, estimates based on the pre-1970 stock provide a
conservative depiction of the extent of lBP hazards. Citywide, approximately 1,023 units
occupied by extremely low income households, 3,120 units occupied by low income
households, and 4,276 units occupied by moderate income households may contain lBP
(Table 33).
Table 33: Number of Units with LBP Occupied by Low/Moderate Income Households
Number of Units Occupied by Percent Estimated Number of Units with
lBP and Occupied by
Year Units lowlModerate Income Households Units lowlModerate Income Households
Built Extremely with Extremely
low Moderate lBP' low Moderate
low' Low
Before 1970 1,461 4,458 6,109 70% 1,023 3,120 4,276
1. Owner occupied units for extremely low income group not available. Figure indudes only rental units
2. Conservative estimate of potential lead hazard
Scurce: HUD CHAS Data. 2004.
Chapter 3: Community Needs
Page 43
City of San Bernardino
2010-2015 Consolidated Plan
Resources for Reducing Lead Hazards
The County of San Bernardino administers the HUD Lead Hazard Control Grant, offering
free home renovation services for low income families who live in residences built before
1978, have children younger than the age of six, and meet income guidelines. The services
include testing of paint, soil, and dust for lead, a visual assessment of the property, assisting
with remodeling andlor renovation to remove, minimize, or contain areas contaminated with
lead, and inspections.
C. Barriers to Affordable Housing
Both governmental and non-governmental factors can act as barriers to the provision of
adequate and affordable housing in a community. Barriers to the production of housing can
significantly impact households seeking decent housing, especially those households with
low incomes and special needs.
1. Governmental Constraints
Certain policies and actions of the City can act as a barrier to affordable housing by directly
impacting the production cost and availability of housing within the City. Land use regulatory
controls, site improvement requirements, building codes, fees, and other local policies to
improve the overall quality of housing may serve to constrain affordable housing
development.
Land Use Controls
The Land Use Element of the San Bernardino General Plan sets forth policies that gUide the
amount and type of local development and growth. Taken together with zoning regulations,
these policies establish the various types, intensity, and standards for land uses in the City
of San Bernardino.
The land use designations established in the General Plan are implemented through the
City's Development Code. Residential development standards in the Development Code
that often determine the number of units that can be constructed on a particular site are:
. Minimum lot area and dimensions
. Maximum density per acre
. Maximum lot coverage
. Height limit
. Density Bonuses
. Open space
. Parking
The City's Housing Element determined that these standards are similar to those of
surrounding cities and do not pose a significant constraint to affordable housing
development.
Chapter 3: Community Needs
Page 44
City of San Bernardino
2010-2015 Consolidated Plan
Local Entitlement Processing and Fees
Various impact fees and assessments are charged by the City to cover the costs of
processing permits and providing services and facilities, such as utilities and infrastructure
for new developments. San Bernardino's fees reflect a fair share of the costs of providing
permitting, infrastructure, and services for new residences; almost all of these fees are
assessed through a pro-rata share system, based on the magnitude of the project's impact
or on the extent of the benefit that will be derived from the services or facilities for which the
fees are charged.
In addition to on-site improvements that may be required as part of a project's development,
off-site improvements may also be imposed to ensure a development pays its share of the
local cost of expansions in services, facilities, and infrastructure. Such improvements may
include water, sewer, and other utility line extensions; street construction; and related
projects. Dedications of land or in-lieu fees may also be required of a project for right-of-way,
transit facilities, recreational facilities, and school sites consistent with the City's Subdivision
Ordinance. Table 32 provides a list of the City's planning and development fees as of 2009.
Fees have been set at a level necessary to cover the costs to the City to provide this
needed infrastructure to the community. San Bernardino's fees are not high relative to other
cities in the County. However, fees do contribute to the cost of housing, and may constrain
the development of lower priced units.
Building Codes and Enforcement
The cost of construction is impacted by compliance with building code standards. While
code compliance can add to the cost of development, building codes and code enforcement
is necessary to protect the public's health, safety, and welfare. Although rigorous building
codes require a higher level of construction quality, which can increase the cost of
development, the long-term benefits outweigh the cost saving from unsound engineering or
poor construction. Initial compliance will also ensure that no additional costs will occur since
no code violations will result. The City of San Bernardino's building standards include the
California Building, Electrical, Plumbing, Mechanical, and Energy Codes, and Disabled
Access Regulation contained in Tille 24 of the California Code of Regulations.
Chapter 3: Community Needs
Page 45
City of San Bernardino
2010-2015 Consolidated Plan
$2,167.26
Residential, Condos, or P.R.D.
$6,018.25
$7,151.25
$394.40
$48,975.34 per acre
2. Non-Governmental Constraints
The ability to fulfill housing needs is greatly constrained by factors prevalent in the housing
market. Non-governmental factors inhibiting the availability of housing include housing
costs, land prices and construction costs, financing costs, existing neighborhood conditions,
and consumer expectations.
Land and Construction Costs
The high cost of development in Southern California can be a constraint to new affordable
housing construction. As housing prices and associated land costs skyrocketed over the last
decade, affordable housing developers were forced to find additional subsidies to finance
development. However, the recent downturn in the housing market has caused both land
and construction costs to decrease substantially.
The cost of residential land has a direct impact on the cost of a new home and is, therefore,
a potential market constraint. The higher the land costs, the higher the price of a new home.
San Bernardino contains both vacant land and infill development opportunities suitable for
residential development. Land prices in the City vary greatly depending on the location of
and type of development permitted. Research of internet real estate database
www.loopnet.com showed that a single-family parcel in the northern foothills of the City was
for sale for $321,622 per acre, while a multi-family parcel in the southern half of the City was
for sale for $51,256 per acre.
The costs of construction (I.e., labor and materials) also have a direct impact on the price of
housing. Residential construction costs vary greatly depending upon the quality and size of
;he home being constructed and the materials being used. A significant constraint to
housing families is the speCific design features (lack of recreational facilities or unit size and
design) in individual projects that are not suited for families with children. In addition, design
features such as stairs, hallways, doorways, counters, and plumbing facilities restrict access
by persons with disabilities.
Chapter 3: Community Needs
Page 46
City of San Bernardino
2010-2015 Consolidated Plan
Availability of Financing
Financing is a significant factor in overall housing cost. While the costs of land and
construction have decreased, the availability of financing is constrained as lenders are
tightening standards for lending. Interest rates impact housing costs in two ways. The costs
of borrowing money for the actual development of the dwelling units are incorporated
directly into the sales price or rent. Additionally, the interest rate of the homebuyer's
mortgage is reflected in subsequent monthly payments. Many consumers can be priced out
of the housing market due to variations in interest rates and tight lender standards.
Vacancy Rate
Vacancy rates may be viewed as both an opportunity and constraint. High vacancy rates
can assist in keeping rents and housing prices low. On the other hand, a high vacancy rate
severely discourages construction of new housing units and can act as a deterrent or
disincentive to property owners to make improvements and even repairs.
The closure of major businesses in recent and not-so-recent years, and particularly the
closure of Norton Air Force Base in 1994, has had a far-reaching negative impact on the
economy of the City and directly contributed to the high vacancy within the community.
Unlike other military base closures in California and the nation, the Norton closure was
particularly significant within San Bernardino. Unlike other military bases, Norton had very
limited on-base housing and relied heavily on privately owned housing market supply within
the City and surrounding cities. In turn, local landlords relied heavily on Norton to provide a
steady supply of tenants. That fact is demonstrated by the historical vacancy rates within
the City: prior to 1994, the vacancy rates traditionally ran at five percent or less. The 1990
Census showed a vacancy rate of 5.2 percent. In 1995, following the base closure, that rate
jumped dramatically to over 17 percent; and since 1995, the rate has been steady at 11
percent. (While a quarter of those vacant units were boarded uplabandoned units, the
overall vacancy rate of for-sale and for-rent units was still high at over eight percent.) Most
statisticians and economists agree that a vacancy rate exceeding four to five percent is
unhealthy with respect to a local economy, and results in depressing the housing market,
particularly with respect to new construction. According to the California Department of
Finance, the City's vacancy rate was estimated to be 11 percent in 2009.
Foreclosures
HUD calculates foreclosure and vacancy rates in San Bernardino by Council Ward and
Census Tract, revealing that over 44 percent of loans on homes in San Bernardino are
subprime and the foreclosure rate in 2009 is nearly 12 percent. San Bernardino has the
second highest municipal foreclosure rate in the State. According to the real estate and
foreclosure website RealtyTrac, between January 2008 and April 2009, 3,799 San
Bernardino homes were foreclosed. In the second quarter of 2008, lenders filed
approximately 11,800 notices of default in San Bernardino, indicating an increase of
foreclosure activity. In turn, lenders have implemented stricter lending standards in an effort
to avoid foreclosures resulting in less finanCing options for low and moderate income
households.
Local housing market conditions have discouraged some of the new homebuilding that the
City could have otherwise expected. This has resulted in reduced opportunities for low and
moderate income families to become first-time homebuyers, and has discouraged many
Chapter 3: Community Needs
Page 47
City of San Bernardino
2010.2015 Consolidated Plan
middle and upper income households from considering San Bernardino as a potential place
to live.
The City is an active partner in preventing foreclosures and maintaining foreclosed
properties. The City competitively applied for and received neighborhood stabilization funds
made available under Title III of the Housing and Economic Recovery Act of 2008 and
administered by HUD under the Neighborhood Stabilization Program (NSP1). The City is
using these funds to purchase foreclosure properties, rehabilitate multi-family and single-
family units, stabilize neighborhoods, and curtail the decline of home values. The City is also
a recipient of NSP2 funds, authorized under the American Recovery and Reinvestment Act
of 2009 (ARRA). The ARRA directs HUD to narrow the field of qualified geographies based
on need. As such, the City identified Target Zones that are eligible for neighborhood
stabilization through NSP2 funds. These Target Zones experience extremely high rates of
foreclosures, code enforcement incidents, and crime. The City is preparing a focused
neighborhood acquisition and rehabilitation strategy through partnerships with nonprofit
housing corporations.
Constraint Removal Efforts
The City of San Bernardino has instituted actions aimed at reducing the impact of the public
sector role in housing costs. The City works to continually remove barriers to affordable
housing by implementing a Housing Element that outlines actions to reduce housing costs
and facilitate new affordable housing development.
Major efforts have involved the reduction in entitlement processing time. In the early 1990s,
the City undertook a major revision to its zoning code and land use regulations with the
stated intent to simplify and streamline the land development process. The outcome was a
new Development Code with a rewrite of the Development Review process. The new
procedure was used as a tool to expedite the review and approval process.
Other City efforts to reduce the barriers to affordable housing include the following:
. Density bonuses: A density bonus provision in the Development Code allows
increased density for multi-family low income units.
. Economic Development Agency: Through the Economic Development Agency, the
City provides cost savings through financing options. Programs include, but are not
limited to homebuyer assistance program and owner rehabilitation grants.
. Downtown Core Vision: The City encourages and facilitates the development of new
housing, including affordable housing, in Downtown San Bernardino and along
transit lines through the Downtown Core Vision.
3. Fair Housing
Fair housing is a condition in which individuals of similar income levels in the same housing
market have a like range of choice available to them regardless of race, color, ancestry,
national origin, religion, sex, disability, age, marital status, familial status, source of income,
sexual orientation, or any other arbitrary factor. Fair housing prohibits discrimination in
housing choice because of protected class status.
Chapter 3: Community Needs
Page 48
City of San Bernardino
2010-2015 Consolidated Plan
The Fair Housing Act requires that HUD programs be administered in manners that will
"affirmatively further fair housing." Jurisdictions must show a commitment to affirmatively
further fair housing choice by:
. Conducting an Analysis of Impediments to Fair Housing Choice
. Taking appropriate actions to overcome the effects of impediments identified through
that analysis
. Maintaining records that reflect the analysis and actions
Fair Housing Impediments
Fair housing impediments are any actions, omissions or decisions which restrict housing
choices or the availability of housing choices on the basis of race, color, ancestry, national
origin, religion, sex, disability, age, marital status, familial status, source of income, sexual
orientation, or any other arbitrary factor.
The City's current Analysis of Impediments (AI) to Fair Housing Choice (2010-2015)
concludes that some impediments identified in the 2006 AI persisted in 2010. Specifically,
impediments related to program information availability and landlord discrimination
continued to be issues in 2010. In response, the 2010 AI recommends the following actions
be taken to address these impediments:
. Provide advertisements and workshops related to the Homebuyer Assistance
Program in both Spanish and English to inform residents about this program and
target lower income households through advertising.
. Provide information about the Mobile Home Grant Repair Program and the
ElderlylSpecial Needs Minor Repair Grant Program in the City's brochures,
advertisements and website in both English and Spanish.
. Continue outreach efforts through fair housing service provider to educate landlords
and tenants regarding fair housing rights and responsibilities. Random audits should
be conducted periodically to identify problem properties and implement reconciliation
efforts.
The 2010 AI also identified a number of new impediments, or substantially revised
recommendations. The 2010 AI included the following actions to address fair housing
impediments:
Fair Housina Services
. Provide links to fair housing and other housing resources on City website and at
public counters.
. Continue efforts on public education related to tolerance to deter hate crimes and
continue to participate in and sponsor events that celebrate diversity.
Housina DeveloDment and DemoaraDhics
. Continue to encourage the development of affordable housing and provide housing
assistance for rehabilitation, with targeted outreach to minority households.
. Require that staff members in each department, specifically those who interact with
the public, attend cultural diversity training periodically but at a minimum at time of
employment.
Chapter 3: Community Needs
Page 49
City of San Bernardino
2010-2015 Consolidated Plan
. Provide outreach to inform lower income and minority households of special local,
State and federal homebuyer assistance programs.
. Continue efforts to expand the variety of available housing types and sizes to meet
senior and large household needs and allow residential mobility among residents.
. Consider modifying housing rehabilitation programs to make financial assistance for
accessibility improvements available for renters, as well as homeowners.
. Adopt a formal Reasonable Accommodations ordinance by June 2010, in
accordance with the Housing Element.
. Consider incentivizing or requiring universal design features in new construction or
substantially rehabilitation of housing, especially projects that receive financial
assistance from the City.
. Ensure developers and housing providers utilizing local, State, and federal funds
adhere to the Affirmative Fair Marketing Plan as required.
. Promote economic development and expand the housing stock to accommodate a
range of housing options and income levels.
. Strive to achieve a diversity of members serving on commissions that influence and
guide city policies, reflecting the race, ethnicity, and other socio-economic
characteristics of the City of San Bernardino.
Lendino Practices
· Review the lending patterns of all financial institutions that provide financial services
to the City and participate in City loan programs.
. In selecting financial institutions to participate in housing programs, consider the
lender's performance history with regard to home loans in low and moderate income
areas and minority concentration areas, as well as the lender's activity in other
Community Reinvestment Act (CRA) activities such as participation in affordable
rental housing projects under programs such as bond financing, tax credit, or the
Federal Home Loan Bank Affordable Housing Program.
. Expand outreach efforts to minority households, especially Black households, to
raise awareness of and education about homeownership opportunities.
Housino Market Conditions
. Increase efforts to promote the housing rehabilitation programs.
Public Policies
. Pursue State certification of the Housing Element.
. Revise definition of "family" in zoning code, remove pyramid zoning, remove
development permit approval for second units, allow emergency shelters in an
overlay zone, and be consistent with State law regarding senior, transitional,
supportive housing, and density bonus.
Inland Fair Housing and Mediation Board
The Inland Fair Housing and Mediation Board (IFHMB) is a fair housing agency that serves
the County of San Bernardino, including the cities of Apple Valley, Chino, Chino Hills, EI
Centro, Fontana, Glendora, Hemet, Hesperia, Ontario, Rancho Cucamonga, Rialto, San
Bernardino, Upland, and Victorville. The agency was established in 1980 and has worked to
address discrimination in housing. IFHMB continues to educate the community at large as to
their rights and responsibilities under fair housing laws. IFHMB intakes and investigates
discrimination complaints and works in partnership with HUD and the California State
Chapter 3: Community Needs
Page 50
City of San Bernardino
2010-2015 Consolidated Plan
Department of Fair Employment and Housing (DFEH) in addressing discrimination in
housing. The following are some of the services IFHMB provides:
Fair Housing - Provides services mandated by Federal and State Fair Housing laws. These
laws prohibit the discrimination of individuals in the sale or rental of housing. Services
include providing information and education, mediation, investigation. or referral of housing
discrimination complaints.
Education/Outreach - Provides workshops to community meetings, housing ownersl
managers. realtors. newspapers. service organizations, high schools, colleges. English as a
Second Language (ESL) participants. and other organizations or persons interested in
learning about State and federal housing laws and how to recognize and avoid housing
discrimination and the corresponding rights and responsibilities.
LandlordlTenant Mediation - Provides information on landlord and tenant rights and
responsibilities under the California Civil Code. In addition, the staff will offer to mediate
conflicts between tenants and landlords. Housing mediation is a useful tool to promote
resolutions to problems and avoid needless litigation in the rental housing industry.
HUD Certified Comprehensive Counseling - Provides counseling to homeowners who are
delinquent on FHA loans regarding options available. Conducts pre-purchase and first time
homebuyer education workshops to inform potential homebuyers of the home-buying
process and their rights and responsibilities as homeowners. Counsels senior citizens who
are interested in reverse equity mortgage programs.
. Senior Services - Actively and successfully mediates conflicts between seniors and Social
Security, Medi-Cal. utility companies, collection agencies, neighbors, and other areas in
dispute. Provides care referral services. Offers help in filing for HEAP and
HomeownerlRenter Assistance.
Alternative Dispute Resolution (ADR) - California Dispute Resolution Act of 1986 provides
the authority for mediation in the legal court system. IFHMB has a contract with the County
of San Bernardino to provide mediation with small claims and unlawful detainer lawsuits in
all of the courts in San Bernardino County.
Mobile Home Mediation - Specialized problem solving (based on Mobile Home Residency
Law) that reflects the dual ownership and a unique life style of the mobile home community.
Conducts workshops for education and to assist residents to file for refunds on utility and
property tax burdens.
A representative of the Inland Fair Housing and Mediation Board attended the January 21.
2010 community meeting. The group discussed fair housing concerns. and the IFHMB
representative noted that in San Bernardino. the most common complaint they hear is
related to fair housing violations against people with disabilities. In the past, the most
common complaint had been with regard to race. It was also noted that the need for
reasonable accommodation and education among property owners and landlords was
important and necessary.
Chapter 3: Community Needs
Page 51
City of San Bernardino
2010-2015 Consolidated Plan
D. Community Development Needs
CDBG funds can be used for a variety of supportive services and community development
activities. These include community services, supportive services for persons with special
needs, community facilities, public and infrastructure improvements, and economic
development. Similarly, Emergency Shelter Grants (ESG) can be used to address the needs
of the homeless.
The previous sections focus primarily on the City's housing-related needs. This section of
the needs assessment describes the City's community development needs, including:
. Community and Special Needs Services
. Neighborhood Services
. Community Facilities and Infrastructure Improvements
. Economic Development
The Community Development Needs discussions are based on consultation with staff from
the City, results of the community needs survey, information from various existing
documents, and comments from the Economic Development Agency's Community
Development Citizens Advisory Committee (CDCAC) and social service providers, public
agencies, and residents that attended the community meeting on January 21, 2010. The
comments received at the outreach meeting and results of the community survey are
discussed below.
1. Public Outreach Community Development Needs Results
As part of the community outreach effort for the 2010-2015 Consolidated Plan, a community
meeting was held and a survey was circulated to residents to ascertain priority community
development and housing needs.
Community Meeting
On January 21, 2010. the City held a community meeting to discuss priority housing and
community development needs in the City. Staff conducted extensive outreach to reach a
broad cross-section of the community and to encourage attendance. More than 15 residents
and representatives of service provider agencies attended, in addition to the five Community
Development Citizens Advisory Committee (CDCAC) members in attendance. CDCAC is in
charge of making recommendations to the City Council regarding the use of CDBG public
service funds (up to 15 percent of the City's annual CDBG allocation).
Service providers that attended the Consolidated Plan community outreach meeting
included: Time for Change, Central City Lutheran Mission, Inland Fair Housing & Mediation
Board, Project Life Impact, Universal Nursing Systems, A Servant's Heart Outreach, St.
John's Success Center, Apartment Association Greater Inland Empire, and OMNIP.
Housing was one of the primary issues discussed by participants at the San Bernardino
Consolidated Plan community meeting. The housing-related comments have been
summarized previously under Public Outreach Housing Needs Results on page 28. Below
is a summary of the overall themes related to community development addressed during the
community meeting.
Chapter 3: Community Needs
Page 52
City of San Bernardino
2010-2015 Consolidated Plan
Homelessness
Participants discussed the economic downturn, increasing foreclosures, rising
unemployment, and resulting increase in homelessness. Participants noted that school
districts were reporting an increase in homeless children. In addition to shelter with related
counseling and services, emergency food is needed to assist this special needs group.
Transitional housing was also discussed as a meaningful component of the effort to reduce
homelessness; transitional housing provides the needed services and support to transition
from homeless to self-sufficiency and permanent housing. Participants also noted the need
for shelters for victims of domestic violence, as well as emergency housing with extended
care services for persons with HIV/AIDS. These programs should have a direct connection
to the hospitals, so that referrals can be provided and there is no gap in the delivery system.
Parlcs and Recreation/Community Facilities
Participants noted the need for expanded and augmented parks and community centers to
provide needed services. Community centers should provide a mixed-age environment, with
programs for all kinds of residents. Programs should also be high-tech to encourage use
and facilitate youth understanding of new technologies.
Service providers noted the need for affordable facilities for nonprofit organizations so that
they can run efficiently and remain in San Bernardino.
Public Services
Participants noted that the primary public service need was for programs and activities for
youth and children. The City of San Bernardino is a family-oriented community, with more
than 38 percent of the population being children. The need for youth services is extensive,
particularly for the large and minority families that tend to earn lower income or have less
disposable income. These programs should involve lively activities that keep children
engaged. The City has a relatively high rate of crime, youth programs can prevent youth
from becoming involved in crime by getting them off the streets and into places where they
can both have fun and learn the skills they need to help them in life.
Counseling and health care for families in crisis was also noted as a need. Senior services,
including nutrition programs were also noted as a need.
Finally, employment and job training was discussed as a need, especially in light of
continuingly rising unemployment rates. Service providers discussed the benefits of agency
collaboration to offer consolidated services through partnerships and engagement with
parents, schools, and other agencies.
Community Survey
The Housing and Community Needs Survey assesses community opinions and concerns in
following community development needs categories (housing needs have previously been
summarized):
. Community Facilities
. Community Services
. Infrastructure Improvements
. Economic Development
Chapter 3: Community Needs
Page 53
City of San Bernardino
2010-2015 Consolidated Plan
. Special Needs Services
These needs categories were further divided into specific topics, such as "community
centers" (from the Community Facilities category), "street/alley improvements" (from the
Infrastructure category), and "senior services and activities" (from the Community Services
category). For each category, the respondent was asked to indicate unmet needs that
warrant expenditure of public funds by ranking the relative importance of each topic. In
tabulating the survey results, an average score was calculated for each need category; the
lower averages (and closer to 1) represent the community's assessment of that category as
more in need (and therefore higher in the rank order). The three highest-ranked
activitieslprograms for each needs category are presented in Table 35. More detailed
information is provided in Appendix A.
Table 35 Community Development Needs Survey Results
Needs Category Highest Ranked ActivitiesIPrograms Rank
Order
Fire Stations & Eauioment 1
Community Facilities Youth Centers 2
Health Care Facilities 3
Anti-Crime Programs 1
Community Services Youth Activities 2
Health Services 3
Infrastructure Street/Alley Improvement 1
Street Lighting 2
Improvements Code Enforcement 3
Job Creation/Retention 1
Economic Development Small Business Loans 2
Employment Training 3
Neglected/Abused Children Center and Services 1
Special Needs Services Homeless Shelters/Services 2
Domestic Violence Services 3
2. Community Development Needs
The following discussions are based on consultation with staff and existing studies and
reports.
Community and Special Needs Services
The City has a number of special needs groups in need of public service assistance,
including seniors, youth, disabled persons, persons at risk of homelessness, and homeless
persons.
According to San Bernardino County's Department of Human Services 2008 Annual Report,
32.7 percent of the City's population was on some form of public aid (Cash Aid, Food
Stamps, andlor MediCal) during 2007. In addition, according to San Bernardino Unified
School District's Research and Statistical Department, of the 53,430 students enrolled, 83
percent qualify for the District's "Free and Reduced Lunch Programs."
Chapter 3: Community Needs
Page 54
City of San Bernardino
2010-2015 Consolidated Plan
San Bernardino has been at the helm in developing a strong collaboration with for-profit and
non-profit organizations to access Federal and State programs to provide necessary public
support services for families or individuals in need of assistance.
Neighborhood Services and Code Compliance
The City's Code Compliance Department enforces the codes that govern the use and
maintenance of private property. The codes were developed to prevent blight and other
nuisances that can devalue, detract, and degrade the quality of any neighborhood. Most of
the City's codes pertain to private residential property, but some codes regulate the
condition of commercial properties as well.
As an older city, many of San Bernardino's neighborhoods are experiencing signs of
decline. As a result, the Code Compliance Department ("Code") has divided the City into six
revitalization areas located within low income Census tracts. Two Code Compliance officers
are assigned to each of the following areas:
. Between West 14'h Street on the north, West 13th Street on the east and North "K"
Street on the west, and the 1-215 Freeway on the east
. West Baseline Street on the north, West 9'h Street on the south, Western Avenue on
the west, and North Mt. Vernon on the east
. 18th Street on the north, 13'h Street on the south, North "D" Street on the west, and
North Sierra Way on the east
. West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon
Street on the west, and North "K" Street on the east
. Between North Sierra Way on the north and West 40'h Street on the south
. Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive
Many of the City's low income neighborhoods have higher incidents of code violations.
There are a number of factors that influence this higher rate, including an older housing
stock, lack of return on income investment, andlor lower income residents with limited or
fewer resources for housing maintenance. Code Compliance officers enforce codes and
inform violators of compliance issues by issuing citations to rectify the problem.
Code Compliance's Neighborhood Revitalization efforts work in concert with the
Redevelopment Agency's Housing Revitalization Programs that utilize redevelopment
housing set-aside funds to assist low and moderate income households with needed
repairs. Programs include the Single Family Exterior Beautification Grant, the
Elderly/Special Needs Minor Repair Grant Program, and the Mobile Home Grant Program.
The Code Compliance Department and the Redevelopment Agency work in tandem with the
City's local non-profit partners to provide Preventative Maintenance and Homebuyer
Education classes to City residents. A majority (72 percent) of the City is located within a
redevelopment project area.
CDBG funds are used to help support Code Enforcement in the low and moderate income
areas. A portion of the funding is used to demolish substandard structures. The Code
Compliance Department works in tandem with the Economic Development Agency relative
to demolition of substandard buildings, Neighborhood Initiative Program (NIP) in the Target
Areas and stabilizing of neighborhoods.
Chapter 3: Community Needs
Page 55
City of San Bernardino
2010-2015 Consolidated Plan
San Bernardino Taking Action Against Graffiti (SB TAAG)
SB TAAG is a multi-faceted partnership of City departments, local agencies, and the
community. The mission of SB TAAG is to eliminate graffiti in San Bernardino through
eradication, education, and enforcement to create a more beautiful San Bernardino. The
City maintains a graffiti hotline and graffiti complaints can also be submitted on line.
In addition, in 2010 San Bernardino launched an iPhone app that allows users to take a
picture of local issues that need resolving (e.g., pot holes, barking dogs, and graffiti) and
send the picture to the City. The app knows the exact location and sends the issue directly
to the staff member who can fix it. The GPS and camera features built into the iPhone make
it simple for residents to alert City officials about a variety of issues around the clock while
they're mobile. Residents will know that their issue went to the right person without ever
going to an office or sitting down at a computer, and they can also receive status updates on
their issues. The iPhone app can be downloaded for free from the iPhone App or by going to
the City of San Bernardino's website.
Community Facilities and Public Improvements
The City's five-year Capital Improvement Program (2007-2012) represents a key community
and economic development tool to implement the priorities detailed in the Consolidated
Plan. The Capital Improvement Program allocates funding for targeted public investments
that support revitalization of the City's older neighborhoods and downtown San Bernardino
as well as new development projects that will create employment for local residents.
The CIP covers six primary categories of capital investments, including general buildings,
streets and street lighting, sewers, storm drains, traffic controls, and parks and recreation.
Projects in the general buildings, streets and street lighting, and parks and recreation
categories may be funded with CDBG funding, among other sources.
The San Bernardino Development Services Department is responsible for the maintenance
and improvement of the traffic control system, parks and recreation, public facilities such as
fire stations, storm drains, and sewers.
Development Services/Engineering Department
The City of San Bernardino Development Services Department is responsible for road
improvement projects within the City. The funding for these activities comes predominantly
from taxes collected from the sale of gasoline in the State of California, as well as from
County of San Bernardino Sales Tax. Road rehabilitation activities are guided by the
Pavement Analysis Management System, which was completed in 2002, and the 2007-2012
Capital Improvement Plan. The Development ServiceslPublic Works Department focuses
attention on gateways to the City and major arterials.
The San Bernardino Development Services Department is also responsible for the
maintenance and improvement of the traffic control system, parks and recreation, public
facilities such as fire stations, storm drains, and sewers.
Chapter 3: Community Needs
Page 56
City of San Bernardino
2010-2015 Consolidated Plan
Parks, Recreation, and Community Services Department
The City of San Bernardino Parks, Recreation, and Community Services Department
maintains the parks and recreation facilities owned by the City and offers a wide variety of
classes and activities for all age groups. Classes offered include arts and crafts, fitness. and
self defense for adults. after-school activities for children. sports for both youths and adults.
and many other recreational activities. In addition, the Department has a mentoring program
that brings together volunteers from the community and children in order to help at risk
youth find positive role models and make the right decisions.
Economic Development
A number of agencies help foster economic growth in the City of San Bernardino and the
region.
City of San Bernardino Economic Development Agency
The Economic Development Agency's mission is to enhance the quality of life for the
citizens of San Bernardino by creating jobs, eliminating physical and social blight, supporting
culture and the arts, developing a balanced mix of quality housing, along with attracting and
assisting businesses both independent and through public-private partnerships. The
Economic Development Agency provides a variety of financial assistance programs.
Tax increment financing is the primary source of funding used by the Economic
Development Agency to initiate and oversee redevelopment projects and activities in a
community. This financing method is based on the assumption that as an area is revitalized.
more property tax will be generated. Upon adoption of a Project Area. the total current
assessed value of all the properties within its boundaries is designated as the base year
value. As assessed values increase in the Project Area. tax increment revenue is generated
by capturing the amount of value added since the base year value was established. This
increase in tax revenue, or tax increment. is used by the Agency for reinvestment back into
the Project Area. San Bernardino has 13 Project Areas. '
As required by the California Redevelopment Law, 20 percent of tax increment revenue
must be set aside into a separate Low and Moderate Income Housing Fund for the creation
and preservation of affordable housing within the Project Area. These funds may then be
used for activities such as acquiring property, constructing on- and off-site improvements
related to affordable housing development, constructing or rehabilitating affordable housing
units, providing subsidies to ensure affordability, and issuing bonds.
The Economic Development Agency supports financial and employment assistance
packages. either internally or through other accredited financial institutions that specialize in
the different needs of the business community. Programs advertised by the Economic
Development Agency are listed below.
· Business Incentive Grant Program is a program offered by the Economic
Development Agency. The program assists business owners, tenants, and property
owners by enhancing the curb appeal of their business storefront by providing funds
to complete certain exterior improvements.
Chapter 3: Community Needs
Page 57
City of San Bernardino
2010-2015 Consolidated Plan
. Grow San Bernardino Fund provides loans to emerging, expanding, and on
occasion, start-up businesses. These funds can be used for buildings, land,
machinery and equipment, working capital, or leasehold improvements.
. Small Business Administration 504 Loans support emerging, expanding, and on
occasion, start-up businesses to purchase buildings, land machinery and equipment,
or leasehold improvements.
. Inland Empire Small Business Financial Development Corporation (IESBFDC) Loan
Guarantee Program is designed to assist small businesses that need additional
support in the form of a guarantee to induce a lender to lend. Funds can be used for
asset purchases, purchases of existing businesses, or establishing new businesses.
In addition the IESBFDC also offers low interest loans for the removal, repair, or
upgrading of underground storage tanks. Hazardous waste reduction loans are also
available to small businesses that meet Environmental Protection Agency (EPA)
Hazardous Waste regulations.
. Industrial Development Bonds, authorized by the California Statewide Communities
Development Authority, can be provided to manufacturing companies.
. Utility User's Tax Rebate Program rewards new and expanding businesses who
create jobs for city residents, increase sales tax revenues, andlor increase property
values within the City. The utility user's tax rebate program provides for a rebate of a
portion of the taxes paid on electrical, gas, video, and telephone communication
services to new and expanding businesses. Eligible businesses must be located
within the City of San Bernardino and must have a current business registration
license.
City of San Bernardino Employment and Training Agency
With its mission to train the work force to business specifications and to increase jobs for
residents, the City of San Bernardino Employment and Training Agency (SBETA) partners
with industry to produce a competitive workforce.
This dynamic agency is under the direction of the Mayor and the Workforce Investment
Board, composed of business leaders and others experienced in education and training.
SBETA serves both employers seeking trainable employees and employees seeking
employment opportunities, at no cost to the employer or the applicant.
Services for businesses include recruitment and referral of pre-qualified applicants, six
months reimbursement for half of the wages paid on new employees, customized training,
access to a large labor pool, and human resources technical assistance.
SBET A serves all job applicants including those entering the labor force for the first time and
those with a multitude of experience but now unemployed. Services include job training,
employment referrals, job search assistance, labor market information, and support
services. These services are easily accessed through the One Stop Career Center, which
brings related services together to completely serve the workforce development needs of
business and job applicants.
Chapter 3: Community Needs
Page 58
City of San Bernardino
2010-2015 Consolidated Plan
Chapter 4
Housing and Community Development
Strategic Plan
This five-year Housing and Community Development Strategic Plan is the centerpiece of the
2010-2015 Consolidated Plan for the City of San Bernardino. The Strategic Plan describes:
. General priorities for assisting households;
. Strategies and activities to assist those households in need; and
. Specific objectives identifying proposed accomplishments.
In addition, this section will discuss the institutional structure that exists and areas for
improvement in delivering housing and community development services to the community.
A. Overall Strategic Theme
1. Consolidated Plan Goals
The national goals of the CDBG and HOME programs are the development of viable urban
communities by providing decent housing, a suitable living environment, and the expansion
of economic opportunities, principally for persons of low and moderate income. The ESG
program is designed to provide emergency and transitional housing, as well as supportive
services for the homeless and those at risk of becoming homeless.
The City of San Bernardino's Economic Development Agency's mission with regard to
housing and community development is to enhance the quality of life for the citizens of San
Bernardino by creating and retaining jobs, eliminating physical and social blight, supporting
culture and the arts, developing a balanced mix of quality housing, along with attracting and
assisting businesses both independently and through public-private partnerships.
The City of San Bernardino and the Economic Development Agency intend to pursue the
national goals through implementation of this Strategic plan. Consistent with this aim, the
City will allocate CDBG, HOME, and ESG funds for the support of community planning,
development and housing programs and activities directed toward achieving the following
priorities:
. Preserve and rehabilitate existing single-family dwellings.
. Improve neighborhood conditions through code enforcement and abatement of
dilapidated structures.
. Expand homeownership opportunities and assist homebuyers with the purchase of
affordable housing.
. Provide rental assistance and preserve existing affordable rental housing.
Chapter 4: Strategic Plan
Page 59
City of San Bernardino
2010-2015 Consolidated Plan
. Expand the affordable housing inventory through new construction.
. Eliminate identified impediments to fair housing through education, enforcement, and
testing.
. Assist homeless and special needs populations with supportive services.
. Improve and expand community facilities and infrastructure to meet current and
future needs.
. Promote economic development and employment opportunities for low and
moderate income persons.
2, Resources Available
The Strategic Plan focuses on activities to be funded with the three entitlement grants
(CDBG, HOME, and ESG) from HUD. As the largest community in San Bernardino County,
the City is responsible for the social and economic well-being of over 204,000 residents and
thousands of local businesses. Housing and community development needs in the City are
extensive and require the effective and efficient use of limited funds. Leveraging of multiple
funding sources is often necessary to achieve the City's housing and community
development objectives. Funding sources available to the City of San Bernardino on an
annual basis are shown in Table 36.
Chapter 4: Strategic Plan
Page 60
City of San Bernardino
2010-2015 Consolidated Plan
Federal Sources
Communit Develo ment Block Grant CDBG
CDBG Pro ram Income
HOME Investment Partnerships Act (HOME
HOME Pro ram Income
Emer enc Shelter Grant ESG
Nei hborhood Stabilization Pro ram NSP
San Bernardino Housing Authorit Housin Choice Voucher Program
San Bernardino Housin Authorit Public Housin
Total
Local Sources
Redevelopment Tax Increment Funds (Approximatel
Redevelo ment Housin Set-Aside
Clt General Funds and State Funds
Total
Non-Profit and For-Profit Sources
Non-Profit Partners In-Kind Donations
Develo er Investment
Private Lendin Inst~utions
Total
Note:
1. While the City's Redevelopment Project Areas generate large amounts of tax increment funds, significant portions of those funds
have already been committed to existing bonds and other debt or are needed to make ERAF payments to the State. Available
funds for upcoming projects are significantly less than shown.
2. In FY 2009-10, the City received $1.4 million in Homeless Prevention and Rapid Re-Housing (HPRRP) funds. Future allocations are
not guaranteed, however, and the City is not including these funds in its estimate of resources available for the upcoming
Consolidated Plan period.
$3,600,000
$200,000
$1,700,000
$150,000
$150,000
$8,400,000
$20,000,000
$1,600,000
$35,800,000
$30,900,000
$6,700,000
$20,100,000
$57,700,000
$2,800,000
$109,400,000
$11,900,000
$124,100,000
The City's overall strategy in expending the HUD Community Planning and Development
(CPD) funds (e.g. CDBG, HOME, and ESG fundS) over the next five years is presented in
Table 37. Specific implementing programs are discussed later in this section.
Table 37: Estimated Entitlement Five-Year Expenditures
Needs Category % of CDBG % of HOME % of ESG % of All CPO
Funds Funds Funds Funds
Community Services (excluding 15% 0% 0% 10%
homeless)'
Housino' 53% 90% 0% 63%
Homeless Facilitiesl Services 0% 0% 100% 3%
Public Improvementsl Facilities 12% 0% 0% 7%
Economic Develonment 16% 0% 0% 12%
Plannina and Administration 4% 10% 0% 5%
Total 100% 100% 100% 100%
* :: includes Code Enforcement
Chapter 4: Strategic Plan
Page 61
City of San Bernardino
2010-2015 Consolidated Plan
3. Criteria for Establishing Priorities
Based on the community input received, needs analysis provided by various agencies, and
the housing and community needs assessment, the City established the priority for
expending CPD funds based on a number of criteria, including:
. Urgency of needs
. Cost efficiency
. Funding program limitations and eligibility of activitieslprograms
. Availability of other funding sources to address specific needs
. Consistency with City goals, policies, and efforts
A priority ranking has been assigned to each category of housing and community
development need according to the following HUD criteria:
. High Priority: Activities to address this need are expected to be funded with
Consolidated Plan program funds by the City during the five-year period.
. Medium Priority: If Consolidated Plan program funds are available, activities to
address this need may be funded by the City during the five-year period.
. Low Priority: The City will not directly fund activities using Consolidated Plan
program funds to address this need during the five-year period. However, the City
may support applications for public assistance by other entities if such assistance is
found to be consistent with this Plan.
. No Such Need: The City finds there is no need for such activities or the need is
already substantially addressed. The City will not support applications for public
assistance by other entities for activities where no such need has been identified.
4. Performance Measures and Outcomes
In addition, the City has incorporated outcome measures for activities in accordance with the
Federal Register Notice dated March 7, 2006, which requires the following Performance
Measure Objectives/Outcomes to be associated with each activity:
General Objective Categories
Activities will meet one of the followino:
. Decent Housing (DH)
. A Suitable Living Environment (SL)
. Economic Opportunity (EO)
General Outcome Categories
Activities will meet one of the followina:
. Availability/Accessibility (1)
. Affordability (2)
. Sustainability (3)
Chapter 4: Strategic Plan
Page 62
City of San Bernardino
2010-2015 Consolidated Plan
5. Summary of Five-Year Priorities and Objectives
Housing
Expanding the supply and improving the quality of affordable housing for lower and
moderate income households are high priority goals over the next five years. CDBG funds
will be used primarily to support housing rehabilitation and repair assistance to low and
moderate income households. Major acquisition/rehabilitation and new construction of multi-
family housing will be funded primarily with HOME funds. An estimated 28 percent of total
Consolidated Plan funds over the next five years will be allocated to assist with affordable
housing production, rehabilitation and conservation. Table 38 presents the priority level for
various income groups and households types, and summarizes the proposed "quantifiable"
objectives for the next five years. Specific implementing programs are described in later
sections.
Community Development
CDBG, ESG, and HPRP funds will be used to support a range of community development
needs, including community and supportive services, public improvements and economic
development. The community development priorities established by the City for the next five
years based on input from the community and City departments are presented in Table 39.
Information on estimated Consolidated Plan funding allocations is also included, where
possible and appropriate. Specific objectives benefitting persons with special needs are
summarized in Table 40.
Chapter 4: Strategic Plan
Page 63
City of San Bernardino
2010-2015 Consolidated Plan
Table 38, Five-Year Housing Needs and Priorities
Priority Unmet Goals
Priority Housing Needs Income (Unitsl
Need Level Need Households)
0-30% High 3,259 0
Small Related 31-50% High 1,965 0
51-80% High 1,259 0
0-30% High 2,130 0
Large Related 31-50% High 1,305 0
Renter 51-80% High 924 0
0-30% High 708 0
Elderly 31-50% High 423 0
51-80% High 179 0
0-30% Medium 1,565 0
All Other 31-50% Medium 760 0
51-80% Medium 520 0
0-30% High 2,023 38
Owner All Households 31-50% High 1,932 38
51-80% High 3,307 39
Special Populations (including elderly 0-80% High --
households with a housing problem)'
Total Goals ;"" 115
Section 215 Renter Goals
Section 215 Owner Goals
Notes:
1. 'Unmet Need' based on CHAS Data on households with housing programs (including cost burden. overcrowding, and
inadequate housing).
2. Program goals include housing programs funded with CDBG and HOME only, Section 8 vouchers, publiC housing, and other
privately-funded projects are not included. Persons assisted under the Homebuyer Education and Counseling program are
not included either.
3. Section 215 Goals are affordable housing that fulfill the crneria of Section 215 of the National Affordable Housing Act, For
rental housing, a Section 215 unit occupied by a low income household and bears a rent that is less than the Fair Market
Rent or 30 percent of the adjusted gross income of a household whose income does not exceed 65 percent of the AMI. For
an owner unit assisted with homebuyer assistance, the purchase value cannot exceed HUD limit. For an ownership unit
assisted with rehabilitation, the mortgage amount cannot exceed HUD limit.
4. Special needs households indude renter-households to be assisted with new construction/conversion of rental housing, and
owner-households to be assisted with mobile home repair grants, elderly/special need repair grants, and mobile home
ownership proarams,
Chapter 4: Strategic Plan
Page 64
City of San Bernardino
2010-2015 Consolidated Plan
Table 39. Pnonty Community Development Needs
Dollars to
Priority Community Development Needs Priority Quantified Address
Level Objectives Unmet Priority
Needs
PUBLIC SERVICE NEEDS (oeoole)
Homeless Services High 275,000 units of
service
Fair Housing Hiah 750 persons
Senior Services High 4,500 units of
service
Handicapped Services High 100 persons $2,000,000
Youth Services High 20,000 units of ($300,000 +
service allocated on an
Child Care Services High 10,000 units of annual basis
service for public
T ransoortatian Services Medium -- service)
Substance Abuse Services Medium 1,000 persons
Emplovment T rainina Hiah 1,500 persons $750,000
Health Services High 7,500 units of (ESG)
service
Crime Awareness Medium ---
Other Public Service Needs High 177,750 units of
service
Lead Hazard Screenina Hiah ---
PUBLIC FACILITY NEEDS (oroiects)
Senior Centers Medium
Handicapped Centers Medium
Homeless Facilities Hiah
Yauth Centers Medium $13,000,000
Childcare Centers Medium
Health Facilities Medium (up to 65% of
Neiahborhood Facilities Medium CDBG)
Parks and/or Recreation Facilities Hiah $750,000
Parkina Facilities Low 25 projects (ESG)
Non-residential Historic Preservation Low
Other Public Facilitv Needs Medium $20,000,000
INFRASTRUCTURE (Proiects) (general fund
WaterlSewer Improvements Medium and other
Street Improvements (include ADA improvements) Hiah development
Sidewalks (include ADA improvements) Hiah impact fees)
Solid Waste Disoosallmorovements Medium
Flood Drain Imorovements Hiah
Other Infrastructure Needs Medium
ECONOMIC DEVELOPMENT
ED Assistance to For-Profits (businesses) I Hiah I 50 businesses $2,500,000
ED Technical Assistance (businesses) T Hiah l assisted (Business
Chapter 4: Strategic Plan
Page 65
City of San Bernardino
2010-2015 Consolidated Plan
Table 39. Priority Community Development Needs
Dollars to
Priority Community Development Needs Priority Quantified Address
Level Objectives Unmet Priority
Needs
Micro-EnterDrise Assistancelbusinesses\ Hiqh Incentive
Rehab; Publicly- or Privately-Owned High Grant, CIC,
Commerciai/lndustrialloroiects) SSDC)
C/I'lnfrastructure Develooment (oroiects) Medium
Other C/llmprovementslproiects) Medium $10,000,000
CODE ENFORCEMENT
Code Enforcement High 20,000
inspections
PLANNING/ADMINISTRATION
Planning/AdministrationICDBG, HOME, and ESG\ I High I ---I $3,000,000
TOTAL ESTIMATED DOLLARS NEEDED I I I $51,500,300
Table 40: Priority Non-Homeless Special Needs
Priority Dollars to
Special Needs Address Quantified
Subpopulations Need Unmet Need Primary Programs Unmet Objectives
Level Need
17,313 elderly Senior services, 4,500 units
Eiderly/Frail High persons, including housing repair grants, $175,000 of service for
Elderly 7,196 frail elderly with and ADA
a disabilitv improvements seniors
Severe Mental Estimated 2,036 Needs are add ressed
Illness Low persons with severe primarily through the N/A N/A
mental illness County .
Estimated 17,320 Special needs
Physical/ physically disabled services, housing 50 persons
Developmentally Hi9h and 3,680 repair grants, ADA $100,000 with
Disabled developmentally improvements to disabilities
infrastructure and
disabled persons communitv facilities
Persons with Estimated 15,000 Needs are addressed
Alcohol/Drug High persons with primarily through the NIA N/A
substance abuse
Addictions issues County
Estimated 1,439
Persons with persons living with Needs are addressed
HIVIAIDS Low H IV and 1.759 primarily through $100,000 50 persons
persons living with countywide efforts
AIDS
Chapter 4: Strategic Plan
Page 66
City of San Bernardino
2010-2015 Consolidated Plan
B. Housing Needs
Rising housing costs and the aging housing stock affect many households in the City of San
Bernardino, particularly those of lower and moderate incomes. According to the 2000
Census, 83 percent of extremely low income households, 79 percent of low income
households, and 57 percent of moderate income households experienced one or more
housing problems such as housing cost burden, overcrowding, or substandard housing
conditions.
Overall Housing Strategy
Consolidated Plan funding sources are dedicated to housing (and related services).
Approximately three percent of CDBG funds and 90 percent of HOME funds will be used for
housing activities on an annualized basis. Consolidated Plan funds will continue to support
affordable ownership and rental housing development, housing rehabilitation programs,
code enforcement and home buyer assistance programs.
The housing programs discussed below are intended to accomplish the following statutory
programmatic goals:
. Preserve and Rehabilitate Existing Single-Family Dwellings
. Improve Neighborhood Conditions through Code Enforcement and Abatement of
Dilapidated Structures
. Expand Homeownership Opportunities and Assist Homebuyers with the Purchase of
Affordable Housing
. Provide Rental Assistance and Preserve Existing Affordable Rental Housing
. Expand the Affordable Housing Inventory through New Construction
. Eliminate Identified Impediments to Fair Housing through Education, Enforcement,
and Testing
Priority: Preserve and Rehabilitate Existing Single-Family Dwellings
Program H-1: Mobile Home Grant Repair Program
Although the compact nature of mobile homes generally reduces maintenance costs, the
cost of maintenance as units age and deteriorate can overextend a lower or moderate
income household's budget. The Mobile Home Grant Repair Program, supported by the
Economic Development Agency and administered by local non-profit organizations, provides
grants up to $5,000 for mobile home repairs.
Funding: HOME funds
Five-Year Objective: Estimated 100 mobile homes to be rehabilitated over the next
five years, for an average of 20 units rehabilitated annually.
Performance Measne/Outcome: Decent Housing/Availability (DH-1)
Chapter 4: Strategic Plan
Page 67
City of San Bernardino
2010-2015 Consolidated Plan
Program H-2: Single-Family Beautification Loan/Grant Program
The Single-Family Exterior Beautification Program assists homeowners who are occupying
their dwellings and whose incomes do not exceed 120 percent of the median income. The
program provides financial assistance of up to $15,000 to homeowners for exterior
improvements to their property. As a condition of receiving this assistance, property owners
are required to attend a "Preventative Maintenance" class conducted by one of the City's
local non-profit partners.
Funding: Redevelopment Set-Aside funds
Five-Year Objective: Estimated 500 households to be assisted over the next five
years, for an average of 100 households assisted annually.
Performance Measure/Outcome: Decent Housing/Availability (DH-1)
Program H-3: Elderly/Special Needs Minor Repair Grant Program (Old Timers Grant)
This program provides minor and emergency home repairs for low income homeowners (80
percent and below median income). Repairs cannot exceed $1,000 per housing unit.
Seniors (60 years or older), disabled persons or recipients of SSI are eligible for this
program. Qualified repairs include: plumbing (I.e., sink fixtures), replacing of doors, screens,
and window glass, and minor electrical repairs. Outreach for the program is conducted at
various Senior Centers throughout the City, and by word-of-mouth.
Funding: Redevelopment Set-Aside funds
Five-Year Objective: Estimated 425 households to be assisted over the next five
years, for an average of 85 households assisted annually.
Performance Measure/Outcome: Decent Housing/Availability (DH-1)
Priority: Improve Neighborhood Conditions through Code Enforcement and
Abatement of Dilapidated Structures
Program H-4: Code Compliance's Neighborhood Revitalization
As an older city, many of the City of San Bernardino's neighborhoods are experiencing signs
of decline. Many of the City's low income neighborhoods have higher incidents of code
violations. A number of factors influence this higher rate, including an older housing stock, a
lack of return on income investment, and lower income residents with limited resources for
housing maintenance. As a result, the Code Compliance Department has divided the City
into six revitalization areas that are located within low income census tracts. Two Code
Compliance officers are assigned to each of the following areas:
· Between West 14th Street on the north, West 13th Street on the east and North "K"
Street on the west, and the 1-215 Freeway on the east.
. West Baseline Street on the north, West 9th Street on the south, Western Avenue on
the west, and North Mt. Vernon on the east.
. 18th Street on the north, 13th Street on the south, North "0" Street on the west, and
North Sierra Way on the east.
Chapter 4: Strategic Plan
Page 68
City of San Bernardino
2010-2015 Consolidated Plan
. West King Street on the north. West Rialto Avenue on the south. North Mt. Vernon
Street on the west. and North "K" Street on the east.
. Between North Sierra Way on the north and West 40th Street on the south.
. Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive.
Code Compliance's Neighborhood Revitalization efforts work in concert with the
Redevelopment Agency's Housing Revitalization Programs and the Preventative
Maintenance and Homebuyer Education classes provided by one of the City's local non-
profit partners.
In addition to conducting property inspections. Code Compliance strives to improve the
residential environment by demolishing the most blighted. substandard and hazardous
buildings. The focal point will be on buildings that have been vacant for an extended period
of time. have deteriorated and become a publiC nuisance and have lost their viability for
reuse.
Funding: CDBG funds
Five-Year Objective: Estimated 25,000 properties to be inspected over the next five
years, for an average of 5,000 properties inspected annually.
Performance Measure/Outcome: Suitable LivinglSustainability (SL-3)
Priority: Expand Homeownership Opportunities and Assist Homebuyers with the
Purchase of Affordable Housing
Program H-5: Homebuyer Education
Some new home buyers and existing owners are not properly informed of the responsibilities
of homeownership and could greatly benefit from educational programs on credit. lending
and home maintenance topics. The City contracts with local non-profit organizations to
provide educational programs.
Funding: HOME funds, Redevelopment Set-Aside funds. Private Investment
Five-Year Objective: Estimated 1,500 persons to be assisted over the next five
years, for an average of 300 persons assisted annually.
Performance Measure/Outcome: Decent Housing/Availability (DH-1)
Program H-6: Homebuyer Assistance Program (HAP)
This program is designed to assist qualified first-time homebuyers with the purchase of a
home within the City limits. Eligible properties can include condominiums. town homes, and
single-family detached homes. The Homebuyer Assistance Program provides financial
assistance (of up to 20 percent of the purchase price) that may go towards down payment
and closing costs. The homes purchased under this program may be located in any census
tract in the City, as long as the dwelling is used as the homebuyer's principal residence and
the home remains affordable for a period of not less than forty-five (45) years.
Chapter 4: Strategic Plan
Page 69
City of San Bernardino
2010-2015 Consolidated Plan
Funding: Redevelopment Set-Aside funds, Private funds
Five-Year Objective: Estimated 250 households to be assisted over the next five
years, for an average of 50 households assisted annually.
Performance Measure/Outcome: Decent Housing/Affordability (DH-2)
Priority: Provide Rental Assistance and Preserve Existing Affordable Rental
Housing
Program H-7: Section 8 Housing Choice Voucher (HCV) program
Under the Section 8 HCV program. low income families receive rental assistance in the form
of a Voucher. Subsidy payments are made by the Housing Authority to property owners on
behalf of the family. As of August 2009. there are 27,608 applicants on the Section 8 HVC
waiting list countywide.
Funding: Section 8
Five-Year Objective: Estimated 2,250 households assisted annually.
Performance Measure/Outcome: Decent Housing/Affordability (DH-2)
Program H-8: Multi-Unit Rental Senior Projects
The Redevelopment Agency issued mortgage revenue bonds for the Highland Lutheran
Senior Center (50 housing units) in 1996. The Agency continues to service the annual debt
in order to ensure that not less than 50 percent of the units in this project are set-aside for
very low income seniors. The covenant remains in effect for 30 years.
Funding: Section 8, Redevelopment Set-Aside funds
Five-Year Objective: Continue to assist 50 households at the Highland Lutheran
Senior Center.
Performance Measure/Outcome: Decent Housing/Affordability (DH-2)
Program H-9: Public Housing
The Housing Authority operates 684 units of conventional public housing in the City of San
Bernardino. The Housing Authority conducts annual inspections of its units to determine a
need for capital improvements under its Capital Fund program. As of August 2009, there
are 15,758 applicants on the waiting list for public housing countywide.
Funding: Public Housing Capital Fund
Five-Year Objective: Continue to assist 689 households annually through the public
housing program.
Performance Measure/Outcome: Decent Housing/Affordability (DH-2)
Priority: Expand the Affordable Housing Inventory through New Construction
Program H-10: New Housing Development
The Redevelopment Agency fosters relationships with for-profit and non-profit housing
developers for the new construction of both market rate and affordable housing projects.
The Agency leverages its resources with private capital in order to develop quality affordable
Chapter 4: Strategic Plan
Page 70
City of San Bernardino
2010-2015 Consolidated Plan
homes for San Bernardino residents. The Agency will continue to pursue both rental and
ownership housing opportunities for households with incomes up to 120 percent MFI.
Specific projects have not yet been identified for the upcoming five-year planning period;
however, HOME funding was recently allocated to the Arroyo Valley Community Economic
Development Corporation for the construction of three new homes and a "Community
Garden" on Agency-Owned lots. The homes will be sold to income eligible homebuyers
whose incomes do not exceed 80 percent MFI.
Funding: HOME funds, Redevelopment Set-Aside funds, Private funds
Five-Year Objective: Estimated 15 housing units to be constructed over the next
five years, for an average of 3 housing units constructed annually.
Performance Measure/Outcome: Decent Housing/Affordability (DH-2)
Program H-11: Senior Housing Development
The City is committed to facilitating the development of new housing projects and
maintaining the quality of existing housing for low income seniors. Specific projects have not
yet been identified for the upcoming five-year planning period; however, the following
projects have received funding in recent years and are currently ongoing:
Table 41 Senior Rental Housing Development
Project F undine Units
SI. Bernardine's Senior Housino Section 8 150
AHEPA Senior Housino Section 8 50
Cooperative Senior Housino Section 8 75
MET A Housing, Inc. Senior Develooment RDA Housino Fund 80
TELACU Senior Housing (Sierra Vista, Section 8 225
Monte Vista & Buena Vista)
TELACU Senior Housina IV (Hacienda) HUD 202 Capital Grant; Section 8; HOME Funds 90
TELACU Senior Housina V RDA Housina Fund; HUD 202 Capital Grant; Private Funds 75
Total 745
Funding: Varies by project (see above for details)
Five-Year Objective: Estimated 250 housing units to be constructed over the next
five years, for an average of 50 housing units annually.
Performance Measure/Outcome: Decent HousinglAffordability (DH-2)
Priority: Eliminate Identified Impediments to Fair Housing through Education,
Enforcement, and Testing
Program H-12: Fair Housing/Landlord Tenant Program
The City contracts with the Inland Fair Housing Mediation Board to provide education,
dispute resolution, and legal advising services to San Bernardino owners, landlords, and
tenants in conflict. Such services are particularly important for lower and moderate income
households unable to afford retaining counsel. The City refers persons with housing
discrimination or other fair housing inquiries to the Inland Fair Housing and Mediation Board
for assistance.
Chapter 4: Strategic Plan
Page 71
City of San Bernardino
2010-2015 Consolidated Plan
Funding: CDBG funds
Five-Year Objective: Estimated 750 persons to be assisted over the next five years,
for an average of 150 persons assisted annually.
Performance Measure/Outcome: Decent Housing/Availability (DH-1)
C. Community Development and Supportive Services
Homelessness is a persistent problem that impacts cities and communities, including San
Bemardino County. There is a growing sense of awareness that there are substantial public
and private "hidden" costs associated with homelessness. Homeless persons become
frequent and lengthy users of hospital emergency services, emergency shelters, emergency
assistance centers, and correctional facilities because of a lack of a permanent housing
environment, which would help better care for daily needs. Some of the "hidden" and
"persistent" costs of homelessness to local jurisdictions are the result of ongoing
interventions by:
. Emergency health care providers
Paramedics
Law enforcement
. Emergency psychiatric responders
. Temporary motel voucher providers
. Emergency shelter providers (particularly winter shelter providers) with little or no
case management
In addition, there are harder to calculate quality-of-Iife costs associated with the impact of
homeless persons on local businesses and business districts, tourism, court systems, and
public facilities such as libraries and parks. San Bemardino County has a growing homeless
population. According to the San Bernardino County 2007 Homeless Census and Survey,
approximately 1,915 homeless persons were found in the City. This is a slight increase from
1,850 homeless persons that were estimated to be in the City in 2003.
Three funding sources are used to provide community services for low and moderate
income persons and persons with special needs in the City. These include: ESG funds,
HPRP funds and public service dollars of CDBG funds (up to 15 percent of the annual
allocation ).
The City places a high priority on actions to assist homeless and special needs persons with
housing and supportive services. The City coordinates its procurement of HPRP services
with the Office of Homeless Services (OHS), the designated administrative authority over
the County's Continuum of Care (CoC) System, to avoid duplication and to ensure that only
the highest priority needs are met. The City will target its HPRP funds toward households
needing services beyond the scope of the City's available HOME and ESG funds.
Furthermore, the City will use its HPRP funds to transition the emphasis on homeless
shelters to permanent housing, as the primary solution to homelessness.
Strategies for Eliminating Homelessness
The City of San Bernardino recognizes that homelessness is a regional issue that impacts
every community in the region. As the largest community in the County, the City also serves
as a hub for service providers. The City supports the efforts of this network of agencies in
Chapter 4: Strategic Plan
Page 72
City of San Bernardino
2010-2015 Consolidated Plan
ending homelessness through the Regional Continuum of Care Strategy. The Continuum of
Care Strategy involves four key components:
. Homeless Prevention: Provision of preventative services will decrease the number of
households and individuals who will become homeless and require emergency
shelters and assistance. The City seeks to prevent homelessness by funding
emergency assistance for families and households at-risk of being homeless.
Educating residents about available services is a key component in reducing
homelessness.
. Homeless Outreach and Needs Assessment: The homeless require a broad
spectrum of services from transportation assistance to life skills to childcare to
prescriptions. The City works with homeless providers to identify gaps in assistance
and fund these identified gaps on an annual basis.
. Emergency Shelter and Transitional Housing: The City provides funds to service
providers offering emergency shelter, transitional housing, motel vouchers, food, and
a variety of other services which address basic subsistence needs. Based on
discussions with homeless advocates and providers, permanent housing and support
services are priorities for addressing the immediate needs of the homeless
population.
. Homeless Transition Strategy: Providing emergency services without complementary
transitional and permanent housing services creates a situation where the homeless
remain in San Bernardino for services but are trapped in an emergency housing
situation or lack shelter due to inadequate resources for transitional and permanent
housing. The City will emphasize services providing transitional and permanent
housing assistance through case management, life skills, rental support and job
assistance for homeless families and individuals transitioning to permanent housing.
In addition to the Continuum of Care strategy, the San Bernardino County Office of
Homeless Services (OHS) initiated a planning process in March 2008 to develop a strategy
to end homelessness in San Bernardino County. Utilizing the committee structure of the San
Bernardino County Homeless Partnership 10-Year Planning Committee, OHS convened a
number of meetings staffed by members of the OHS team. The intent was to achieve
consensus on the Planning Strategy for ending homelessness.
To address the problem of homelessness and ideally end it, the San Bernardino County
Homeless Partnership 10-Year Planning committee developed 25 specific action
recommendations to be undertaken throughout San Bernardino County:
1. Implement countywide homeless prevention strategies to prevent individuals or
families from becoming homeless.
2. Use funding from the American Recovery and Reinvestment Act of 2009 "Homeless
Prevention and Rapid Re-Housing Program" (HPRP) for supplemental resources
including rental assistance and utility assistance.
3. Implement a community outreach and education campaign that raises awareness
about households at risk of becoming homeless and provides information about
Chapter 4: Strategic Plan
Page 73
City of San Bernardino
2010-2015 Consolidated Plan
resources available through homeless prevention programs. This effort should
leverage the 2-1-1 System for easy access where appropriate.
4. Formalize protocols and improve the coordination of discharge planning.
5. Establish a Central Contact Center that would respond to community calls and
concerns for traditional street outreach and engagement and/or assertive community
treatment.
6. Expand Street Outreach and Engagement Services to include Multidisciplinary
Practitioners and Services.
7. Expand Street Outreach and Engagement Services to include Volunteers from
Various Community Groups.
8. Establish Regional "One-Stop" Centers.
9. Use a Comprehensive Tool that Determines Potential Eligibility for Mainstream
Resources.
10. Appropriate case management services should be available to all homeless persons
whether they are on the street, accessing one-stop centers, in emergency shelters or
transitional housing, or receiving permanent supportive services.
11. Develop and execute a "rapid exit" strategy that focuses on early identification and
resolution of the barriers to housing through case management services in order to
facilitate the return of a homeless person to permanent housing as quickly as
possible.
12. Implement a Rapid Re-Housing Approach for Households with Dependent Children.
13. Increase the Number of Emergency and Transitional Units.
14. Implement a Housing First Approach.
15. Obtain More Shelter + Care Certificates.
16. Increase the Number of Permanent Housing Units with an Emphasis on the
Development of Safe Havens.
17. Encourage all local jurisdictions to adopt an inclusionary housing policy that requires
a percentage of new housing to be affordable to extremely-low and very low income
residents.
18. Assess the Feasibility of a Housing Trust Fund for County and Local Levels of
Government.
19. Expand the capacity of Homeless Management Information System (HMIS) so that
agencies may make better use of data, decrease time and effort at intake, and
enhance the planning and development functions of the Continuum of Care.
Chapter 4: Strategic Plan
Page 74
City of San Bernardino
2010-2015 Consolidated Plan
20. Conduct periodic Homelessness 101 Training concerning community issues.
21. Increase awareness of the collaborative Justice Courts and the altemative
sentencing programs that provide alternative sentencing mechanism for defendants
experiencing homelessness.
22. Implement an education campaign to make the community aware of the findings,
guiding principles, goals, and recommendations of this report.
23. Enlist the support of faith based organizations to help implement the goals and
recommendations in this report.
24. Create an Interagency Council on Homelessness for San Bemardino County that will
be charged with coordinating and evaluating policies concerning all of the
recommendations and related activities within this plan.
25. Appoint the San Bemardino County Homeless Partnership 10-Year Planning
Committee as an advisory body to the Interagency Council on Homelessness for San
Bemardino County and appoint representative(s) of the Homeless Partnership as
standing member(s) to the local Interagency Council on Homelessness.
Priority: Assist Homeless and Special Needs Populations with Supportive
Services
Program CD-1: Emergency Shelters
The City supports a number of non-profit agencies that operate emergency shelters for the
homeless. Emergency shelters provide the most basic needs of safe shelter and
nourishment, as well as drop-in services, counseling, medical treatment, transportation
assistance, referrals to mental health and social service agencies, and assistance with
finding appropriate permanent housing.
Funding: ESG funds, CDBG funds, HPRP funds, In-Kind Private donations
Five-Year Objective: Estimated 200,000 units of assistance to be delivered over the
next five years, for an average of 40,000 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program CD-2: Transitional Housing
Transitional shelters provide housing and needed resources (i.e., job training, money
management, alcohol and drug rehabilitation, parenting classes, counseling) to help
individuals and families re-establish independent living. These facilities also assist clients
with finding permanent housing.
Funding: ESG funds, CDBG funds, HPRP funds, In-Kind Private donations
Five-Year Objective: Estimated 75,000 units of assistance to be delivered over the
next five years, for an average of 15,000 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Chapter 4: Strategic Plan
Page 75
City of San Bernardino
2010-2015 Consolidated Plan
Program CO-3: Rental Assistance Program
The Rental Assistance Program is provided to individuals and/or families who must vacate
their substandard and unsafe housing unit. The property owners are required to bring their
housing units into compliance and their properties are inspected to ensure compliance.
Under the Rental Assistance Program, the Redevelopment Agency assists the evacuated
families with the required first month's rent and security deposit. The replacement rental unit
must be in sound, sanitary, and safe condition and pass a City inspection.
Funding: Redevelopment Set-Aside funds
Five-Year Objective: Estimated 650 households to be assisted over the next five
years, for an average of 130 households assisted annually.
Performance Measure/Outcome: Decent Housing/Availability (DH-1)
Program CO-4: Utility Assistance Program
Many lower and moderate income households must defer utility payments or avoid using
utilities to afford critical items like health care and mortgage payments. The Utility
Assistance Program assists San Bernardino City households that are at 50 percent of MFI
with the cost of utilities.
Funding: Redevelopment Set-Aside funds
Five-Year Objective: Estimated 1,000 households to be assisted over the next five
years, for an average of 200 households assisted annually.
Performance Measure/Outcome: Decent Housing/Availability (DH-1)
Program CO-5: Health Services
Lower income households often lack access to quality affordable health care. The City funds
a variety of agencies that provide free or low cost medical services for lower income San
Bernardino residents.
Funding: CDBG funds
Five-Year Objective: Estimated 7,500 units of assistance to be delivered over the
next five years, for an average of 1,500 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program CO-6: Comprehensive Service Centers
Lower income families and individuals can benefit from a variety of supportive services.
Comprehensive service providers offer a range of programs that assist clients with their
various transportation, nutrition, technology, childcare and education needs.
Funding: CDBG funds
Five-Year Objective: Estimated 175,000 units of assistance to be delivered over the
next five years, for an average of 35,000 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Chapter 4: Strategic Plan
Page 76
City of San Bernardino
2010-2015 Consolidated Plan
Program CD-7: Youth Services
It is important for the young people of the City of San Bernardino to have the opportunity to
engage in activities that enable them to develop self-esteem and reach their full potential.
The City will use CDBG funds to support the following types of youth services and activities:
. Character and leadership development
. Education and career development
. Health and life skills
. The arts
. Sports, fitness and recreation.
Funding: CDBG funds
Five-Year Objective: Estimated 20,000 units of assistance to be delivered over the
next five years, for an average of 4,000 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program CD-8: Senior Services
Seniors are some of the City's most vulnerable residents. The City will use CDBG funds to
support the following types of senior programs and services:
. Transportation assistance
. Nutrition and meal programs
. Recreational, educational and social opportunities
. Information and referral services
Funding: CDBG funds
Five-Year Objective: Estimated 4,500 units of assistance to be delivered over the
next five years, for an average of 900 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program CD-9: Legal Services
Every San Bernardino resident is guaranteed access to the judicial system and has certain
rights and privileges that are recognized and protected regardless of ability to pay. Access
to legal services empowers clients by giving them the tools; i.e., the legal documents and
procedural information, needed to seek solutions through court orders. These services
improve the lives of clients by helping them resolve domestic dispute, seek financial stability,
and access the healthcare, dental, and developmental services needed for themselves and
their minor dependents.
Funding: CDBG funds
Five-Year Objective: Estimated 1,750 units of assistance to be delivered over the
next five years, for an average of 350 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program CD-10: Services for Victims of Domestic Violence
Chapter 4: Strategic Plan
Page 77
City of San Bernardino
2010-2015 Consolidated Plan
Victims of domestic violence often require a variety of supportive services before they can
transition back to living independent, self-sufficient lives. These services include immediate
crisis intervention, follow-up services, one on one counseling, accompaniment and
advocacy services.
Funding: CDBG funds
Five-Year Objective: Estimated 1,000 units of assistance to be delivered over the
next five years, for an average of 200 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program CD-11: Child Care Services
All families with children, regardless of income, deserve an opportunity to work and attend
school with the assurance that their children are in a safe and comfortable learning
environment. Quality affordable child care is therefore a critical need for all families in San
Bernardino, especially for single-parent households whose child care options are more
limited. The City will use CPD funds to support programs that provide children with a high
quality developmental program, one that teaches skills that go beyond learning to read and
write at an early age, and a stimulating environment that offers opportunities to explore,
create, examine and question without concern for judgment, disapproval or criticism.
Funding: CDBG funds
Five-Year Objective: Estimated 10,000 units of assistance to be delivered over the
next five years, for an average of 2,000 units of assistance annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
D. Public Improvements and Community Facilities
The City of San Bernardino is one of the oldest communities in California. Much of San
Bernardino was developed 30 to 40 years ago and the City is laden with an aging
infrastructure system, obsolete buildings, inadequate community facilities and deteriorating
neighborhood conditions. These conditions affect not only residents, but also local
businesses.
Approximately 12 percent of CDBG funding will be used for public improvements and
community facilities on an annualized basis. CDBG funding may only be used for projects
that benefit low moderate income neighborhoods, in other words, neighborhoods where
more than half (51 percent) of residents have incomes less than 80 percent of the Median
Family Income (MFI) for the San Bernardino County area. The City plans to focus most of its
community facility and public improvements projects in these "area benefit" communities.
Projects in "non-area benefit" communities will not be excluded; however, these projects
must demonstrate eligibility based on the service area of the project.
The City's five-year Capital Improvement Program (CIP) (FY 2009 - FY 2014) identifies the
City's proposed capital improvement projects, their estimated costs, and sources of funding
needed to provide the quality service and public improvements expected by the residents
and businesses of the City of San Bernardino. The CIP outlines the City's plan for targeted
public investments that support the revitalization of the City's older neighborhoods and
downtown San Bernardino, as well as new development projects that will create
employment for local residents.
Chapter 4: Strategic Plan
Page 78
City of San Bernardino
2010-2015 Consolidated Plan
The San Bernardino Development Services Department is responsible for the maintenance
and improvement of the traffic control system, parks and recreation facilities, and public
facilities (which include fire stations, storm drains, and sewers). The Department will
continue its efforts to improve the living environment, improve accessibility (i.e. ADA
improvements), and prevent the deterioration of the transportation infrastructure in low and
moderate income neighborhoods. The City will also continue its efforts to design and
construct storm drains needed to prevent flooding.
Priority; Improve and Expand Community Facilities and Infrastructure to Meet
Current and Future Needs
Program 1-1: Fire Equipment Leases
The City of San Bernardino Fire Department serves a resident population of approximately
202,000 and covers a diverse service area of 59.3 miles. This service area covers
approximately 19 miles of wild land interface area, a major rail yard, an international airport,
the County Seat, a jail, two major mall complexes, and three major interstate freeways (10,
215 and 210). Currently, the Department staffs twelve fire engine companies, two aerial
truck companies, one heavy rescue, five 4-wheel drive brush engines, one hazardous
material response rig and one medic squad housed in twelve stations throughout the City.
Fire Stations No. 221, 222, 224, 229, and 231 serve the City's low and moderate income
areas (Figure 4). The City will use CDBG funds for the payment of fire equipment leases that
serve the low and moderate income areas.
Funding: CDBG funds
Five-Year Objective: Continue to assist with fire equipment leases
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Chapter 4: Strategic Plan
Page 79
City of San Bernardino
2010-2015 Consolidated Plan
Figure 4: Low-Mod Fire Service Areas
-- - City of San Bernardino
Low-Mod Fire Service Areas
- - --. .
'-
11.--
',..._<-.0_
,_.-
00......
~..
.'
"'.
-~
..~
-~
.",.
;':J
_N
g::.-
0_'-
/ I
w.._...
!
I
~-'~""'''''I
.~.... I
.....
/"
. i
---...
I
.
........
,,,t~,,,,,,,,,'\oo,..,,....U'
."
i ... '\
y "
111 l'OOr Jo"~""'"
In ..,OIW....91~!.t.....,
22J .1I11'0I1~"''''<.IC..",..o..""
n~ 1t>tl...."~r\"..'"
115 1t>lll~..r"<>IIl)r,,,,,
}If, I~)I)~I"",,"
", lll'Wollll~5,.....\
Ull H':IIII:>1o~I\I...d
1l'J m..""'''d'liI'IA."......
JQ<lB <,0)5 ...,...........ad ......"u..ll~~5 '..I..." "'0/'1"" w~
lJl .~lV...6t-'l>t'W.1
HI bO'i5.....,"'............
,_""'"
h.""",,,.
~Ul;
g~ I~".
~'HI~
.....
IU1'4
.R.
Iln"
(,..~;.
~."
U~
1OJI'.(
"'~
N
A
...,
'"
"
:s,.,,"". "'''''''''
,
~".~
Chapter 4: Strategic Plan
Page 80
City of San Bernardino
2010-2015 Consolidated Plan
Program 1-2: Street and Street Lighting
Street and street lighting projects include efforts to extend and widen streets, street
resurfacing, construction of curbs, gutters, sidewalk, handicap ramps, bikeways, right of way
acquisition and street lighting systems. Since the City does not have sufficient funding to
complete all of the projects identified in its CIP, there is no way to guarantee which projects
will be funded and ultimately completed. The following is a list of potential Street and Street
Lighting projects that may be completed in the upcoming five-year Consolidated Plan period
within the low and moderate income areas:
. Accessibility Improvements at various locations
. Street Safety Improvements at various locations
. Pavement Rehabilitation at various locations
. Bus Stop Concrete Pads at various locations
. Grade Separation at various locations
. Street Widening at various locations
. Streetlight Poles and Electric Systems Replacement at various locations
. Traffic Calming Measures at various locations
. New Road Construction at various locations
Funding: CDBG funds, CDBG program income, Federal and State aid, State Gas
Tax, Sales Tax
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program 1-3: Sewer
Sewer projects include efforts to increase system capacity for new users, replace aging or
obsolete systems and meet new regulatory requirements. Since the City does not have
sufficient funding to complete all of the projects identified in its CIP, there is no way to
guarantee which projects will be funded and ultimately completed. The following is a list of
potential sewer projects that may be completed in the upcoming five-year Consolidated Plan
period within the low and moderate income areas:
. Sewer Main Extensions at various locations
. Sewer Manhole Rehabilitation at various locations
. Sewer Siphon Flushing at various locations
. Sewer Main Replacement at various locations
Funding: CDBG funds, CDBG program income, Sewer Connection fees, sewer line
construction and maintenance funds
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Chapter 4; Strategic Plan
Page 81
City of San Bernardino
2010-2015 Consolidated Plan
Program 1-4: Storm Drain
Storm drain projects include efforts to install new storm drain systems (per the City's
Comprehensive Storm Drain Master Plan) and replace aging or obsolete systems. Since the
City does not have sufficient funding to complete all of the projects identified in its CIP, there
is no way to guarantee which projects will be funded and ultimately completed. The following
is a list of potential Storm Drain projects that may be completed in the upcoming five-year
Consolidated Plan period within the low and moderate income areas:
. Storm Drain Installation and Rehabilitation at various locations
. Storm Drain Realignment at various locations
Funding: CDBG funds, CDBG program income, Development Impact fees, Storm
Drain construction funds
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program 1-5: Traffic Control
Traffic control projects include efforts to install new traffic signals, add traffic striping, and
replace aging or obsolete traffic control systems. Since the City does not have sufficient
funding to complete all of the projects identified in its CIP, there is no way to guarantee
which of the projects will be funded and ultimately completed. The following is a list of
potential Traffic Control projects that may be completed in the upcoming five-year
Consolidated Plan period within the low and moderate income areas:
. Traffic Signal Upgrades at various locations
. Traffic Signal Interconnections and Synchronization at various locations
. Bike Path Installations at various locations
. Traffic Signal Installations at various locations
. Upgrade to Fluorescent Signs at various locations
. Installation of Solar-Powered Speed Signs at various locations
. Installation of Pedestrian Signals at various locations
Funding: CDBG funds, CDBG program income, Development Impact fees, Federal
and State aid, State Gas Tax Funds, Sales Tax Funds, Traffic Systems Fees
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
Program 1-6: Parks and Recreation
Parks and recreation projects include the maintenance and upgrade of parks, game courts
and fields, fielding lighting, recreation buildings, Park's restroom buildings and playground
equipment. Since the City does not have sufficient funding to complete all of the projects
identified in its CIP, there is no way to guarantee which of the projects will be funded and
ultimately completed. The following is a list of potential Parks and Recreation projects that
may be completed in the upcoming five-year Consolidated Plan period within the low and
moderate income areas:
Chapter 4: Strategic Plan
Page 82
City of San Bernardino
2010-2015 Consolidated Plan
. Tree Plantings at various locations
. Replacement of Equipment at various Community Centers
. Design and Engineering Services at various locations
. Expansion and Renovations at various Senior Centers
. Soccer Field Construction at various locations
. Restroom Renovations at various locations
. Fencing and Lighting Upgrades at various locations
. Concrete and Lighting Installations at various locations
. Hiking and Exercise Trail Construction at various locations
. Irrigation System upgrades at various locations
Funding: CDBG program income, Park Construction Fees
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
Performance Measure/Outcome: Suitable Living/Availability (SL-1)
E. Economic Development and Anti-Poverty
Two of the City's highest priorities are: (1) to attract industries and employers that provide
higher-paying jobs and a wider range of employment opportunities, and (2) to assure that
local residents have the necessary skills to fill those jobs.
To implement said priorities, the City, in collaboration with other public agencies, such as
the San Bernardino Employment and Training Agency (SBETA) and private enterprise
developers, will pursue strategies that promote the growth of production industries whose
goods or services are sold to state, national, or global markets to bring outside income into
the community.
SBETA's mission is to train the work force to business specifications and to increase jobs for
residents. SBETA partners with industry to produce a competitive work force. The SBETA
Agency is under the direction of the Mayor and the Workforce Investment Board, composed
of business leaders and educators. SBETA serves both the employer seeking trainable
employees and City residents seeking employment opportunities.
The primary entity to implement these priorities is the City's Economic Development Agency
(EDA). The City's EDA will continue to support job creation, job retention, training,
education, downtown revitalization, and infrastructure improvement efforts. The EDA's
mission is to enhance the quality of life for the citizens of San Bemardino by attracting and
retaining businesses and jobs, eliminating physical and social blight, and developing a
balanced mix of quality housing.
Priority: Promote Economic Development and Employment Opportunities for low
and moderate income households
Program ED-1: San Bernardino Library Literacy Program
The San Bernardino Library Literacy Program provides free, individualized literacy services
and materials to residents in a non-threatening, confidential, student-centered environment,
Chapter 4: Strategic Plan
Page 83
City of San Bernardino
2010-2015 Consolidated Plan
in order to equip participants with life-long learning skills and prepare them for personal,
family, career and community success. One-on-one tutoring and small group sessions are
offered by trained volunteers to qualified adult learners in areas of basic reading, math,
spelling and computer literacy.
Funding: CDBG funds
Five-Year Objective: Estimated 250 persons to be assisted over the next five years,
for an average of 50 persons assisted annually.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Program ED-2: Inland Empire Small Business Financial Development Corporation
(IESBFDC) Loan Guarantee Program
The Loan Guarantee Program is designed to assist small businesses that need additional
support in the form of a guarantee to induce a lender to lend. The program places special
emphasis on women and minority-owned businesses, as well as businesses located in
designated enterprises zones. To be eligible, business must: (1) be unable to obtain
financing without the guarantee, and (2) demonstrate repayment ability with adequate
collateral support. Guarantees can be issued on short term loans, revolving and contract
lines of credit, term loans for asset purchases, purchases of existing businesses, or for
establishing a new business.
Funding: CDBG funds, Private funds, In-Kind Private donations
Five-Year Objective: Estimated 25 businesses to be assisted over the next five
years, for an average of 5 businesses assisted annually.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Program ED-3: Grow San Bernardino Fund SBA 7A Loan Program
The SBA 7A-Grow America Fund Program provides loans to small businesses. This
program is available countywide and can provide 100 percent financing for up to $1 million.
The program provides long-term, fixed-rate financing which may be utilized for property
acquisition, construction, building renovations or leasehold improvements, debt refinancing,
capital equipment and working capital. Repayment ability from cash flow of the business is a
primary criterion in the loan evaluation, but good character, management capability, and
collateral are also important considerations. Eligible business must demonstrate at least
three years of profitable operation, good liquidity, and a satisfactory debt-to-equity ratio.
Funding: CDBG funds, Redevelopment Set-Aside funds, Private funds, In-Kind
Private donations
Five-Year Objective: Estimated 10 businesses to be assisted over the next five
years, for an average of 2 businesses assisted annually.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Chapter 4: Strategic Plan
Page 84
City of San Bernardino
2010-2015 Consolidated Plan
Program ED-4: Business Incentive & Downtown Revitalization/ Fa~ade Program
The Business Incentive Grant Program assists business owners, tenants, and property
owners to enhance the "curb appeal" of their business storefront by providing funds to
complete exterior improvements. The program also provides grants to help business owners
retain their current employment levels or expand their current employment levels. The
program offers grants reimbursements that are not-to-exceed $10,000. The applicant will be
required to match this grant dollar for dollar and will be reimbursed at the completion of all
pre-approved improvements.
Funding: Redevelopment Set-Aside funds, Private funds
Five-Year Objective: Estimated 125 businesses to be assisted over the next five
years, for an average of 25 businesses assisted annually.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Program ED-5: Utility User's Grant Program
The Business Utility User's Tax Rebate Program rewards new and expanding businesses
who create jobs, increase sales tax revenues, or increase property values by refunding a
percentage of the City's utility taxes paid on electrical, gas, cable, and telephone services to
operate their businesses.
Funding: Redevelopment funds
Five-Year Objective: Estimated 10 businesses to be assisted over the next five
years, for an average of 2 businesses assisted annually.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Program ED-6: Section 108 Loan Repayment
In 2006, the City, its Redevelopment Agency, and HUD executed Section 108 loan
documents for an award of $7.5 million. The loan was utilized for the acquisition of 22
blighted and socially problematic four-plex apartment dwellings in the North Arden Guthrie
Area. Together with other redevelopment funds of approximately $7.5 million, tenants have
now been relocated into safe and sanitary housing, the structures demolished, and the land
will be made available to a master developer (Home Depot) for the purpose of constructing
a retail commercial center.
The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater
(formerly known as the CinemaStar) in the amount of $9 million to repay the original HUD
108 Loan of $4.6 million and provide necessary funds for new technology upgrades and
remodeling by Maya Cinemas North America, Inc. The Project will include: new furniture
and fixtures, carpeting, tile, counter-tops, paintwork, new seating, new digital projection
equipment, movie screens and sound equipment, correction of American with Disabilities
Act deficiencies, expansion of the main lobby and installation of equipment and expansion of
one I-Max auditorium. The term of the Section 108 financing will be seven years with
interest only payments.
Funding: Section 108 loan, Redevelopment funds
Five-Year Objective: Estimated 475 jobs created/retained upon completion.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Chapter 4: Strategic Plan
Page 85
City of San Bernardino
2010-2015 Consolidated Plan
Program ED-7: California Theatre
The Redevelopment Agency owns and contracts out the maintenance of the Historic
California of the Performing Arts Theatre (the "Theatre"). The Agency is currently in the
process of conducting a series of renovation improvements for the Theatre. The
improvements include, but are not limited to the following items: installation of a fire
protection sprinkler system, structural support system for front entry and installation of a pull
pipe system. This project will facilitate the creation, promotion, and retention of over 1,400
employment opportunities.
Funding: Redevelopment funds
Five-Year Objective: Estimated 1,400 jobs created/retained upon completion of
renovations.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Program ED-8: Redevelopment Agency Activities
The Agency undertakes numerous marketing activities designed to enhance the image of
the community and attract new development expanding both employment opportunities and
the tax base. Activities include the production of print marketing materials, advertising and
public relations activities in the printed media, representation of the Agency at targeted trade
shows and exhibitions and the production of a weekly, business oriented, television show
targeted towards the business community. In addition, the Agency and the City will facilitate
the development of the proposed projects and planning efforts summarized in Table 42.
Table 42. Redevelopment Agency Economic Development Activities
Proiect Activitv Jobs Created/Retained
ARCO AM/PM Inland Center Drive Utiiitv Underaroundino 10
ARCO AM/PM New Business Construction 9
Arrowhead Centrai Credit Union New Business Construction 400
Serrano Development (Cooley Avenue) New Business Construction --
Court House New Construction --
Hillwood Project New Business Construction 1,000
Hilton Garden Inn New Business Construction 35
Inland Behavioral Health New Construction 400
Inland Reaional Center Property Acauisition 500
La Placita New Business Construction 300
Waterman Holdinas, LLC PronP.rtv Acouisition 60
Youna Electric Sian Company Business Relocation 120
Total 2.415
Funding: Redevelopment funds
Five-Year Objective: Estimated 2,500 jobs created/retained over the nex1 five years,
for an average of 500 jobs created/retained annually.
Performance Measure/Outcome: Economic Opportunity/Availability (EO-1)
Chapter 4: Strategic Plan
Page 86
City of San Bernardino
2010-2015 Consolidated Plan
F. Planning and Administration
During the upcoming five-year Consolidated Plan period, the City will continue to administer
the CDBG, HOME and ESG programs in compliance with program regulations and
requirements. Up to 20 percent of CDBG funds can be used by the City to support the
general administration of the CDBG program.
G. Lead Based Paint Reduction Strategy
The City's Lead Based Paint Hazard Reduction Strategy can be summarized as follows: (1)
Coordinating public and private efforts to reduce lead-based paint hazards and protect
young children; (2) Integrating lead hazard evaluation and reduction activities into existing
housing programs; (3) Public awareness through educational materials and programs; and
(4) Education and advocacy and (5) lead base eradication to the extent finances are
available.
The City currently integrates lead hazard evaluation and reduction activities into existing
housing inspection and rehabilitation programs. The Economic Development Agency (EDA)
provides referrals to and works cooperatively with the County's Lead-Based Paint Removal
Program to coordinate efforts to reduce lead-based paint hazards through testing. The
County also receives funds from the State Department of Community Services for the
development of education and to raise awareness of lead-based paint. Additionally,
educational materials are provided to residents through the San Bemardino Redevelopment
Agency's Rehabilitation Program, which informs residents of lead hazards, as well as how to
get tested, report, and remove the hazard. The Agency is also remediating and stabilizing
80 percent of rehabilitated properties by the removal or encapsulation of lead-based paint.
H. Overcoming Barriers to Affordable Housing
The City recently undertook a major effort to eliminate constraints, with respect to land use
regulations, by developing and adopting a new Zoning Code that unified and simplified the
City's development regulations and processes. That effort was followed by a reorganization
of the City to unify the various development-related departments into a single Development
Services Department and a one-stop permit counter.
Moreover, the City is in the process of making the following additional amendments to the
Municipal Code in order to further reduce barriers to affordable housing:
Corridor Improvement Program
The City will facilitate investment and intensification along its underutilized corridors by
codifying the development and lot consolidation incentives proposed in the General Plan
Land Use Element Corridor Improvement Program. The four Corridor Strategic Areas,
Mount vernon, E Street, Baseline, and Highland, are generally characterized by
underperforming strip commercial, vacant or underutilized parcels, deteriorating structures,
and inconsistent facades and sign age. The Corridor Improvement Program is an optional
package of policies, regulations, and incentives intended to stimulate investment and
development in the Corridor Strategic Areas. While the underlying land use designations still
apply, the property owner may request, and the City may choose to apply, aspects of the
Chapter 4: Strategic Plan
Page 87
City of San Bernardino
2010-2015 Consolidated Plan
Corridor Improvement Program necessary to achieve the desired results. Key incentives
include: allowing increased densities for housing and mixed-use projects within 500 feet of a
transit stop, increasing density and F ARs for mixed-use projects that replace strip
commercial on arterials, and increased density for projects that combine parcels (lot
consolidation). Furthermore, Code Enforcement activities in this area will encourage
violators to demolish unsafe buildings through existing demolition programs and educate
property owners of new opportunities available through the Corridor Improvement Program.
General Lot Consolidation Incentive
The City will amend the Development Code to incentivize lot consolidation for projects that
promise to commit to management plans and provide on-site management. Small, individual
lots offer limited development potential, and generally cannot support on-site property
management. Development opportunities could be increased through a small-lot
consolidation program that offers a 15 percent density bonus to projects with a residential
component that are committing to a maintenance plan and having on-site management. This
encourages a more efficient use of the land while ensuring adequate long-term maintenance
and oversight of a property.
Density Bonus Provisions
The City will facilitate higher density and affordable housing development by amending the
development code to reflect the latest amendments to State density bonus law. Density
bonus provisions reward developers providing affordable housing to seniors or families with
an increase in density and reduced building requirements, such as reduced parking,
reduced setbacks, and other factors that decrease the cost of housing production. Density
bonus projects. can be an important source of housing for lower and moderate income
households.
Reasonable Accommodation Ordinance
The City will reduce governmental constraints to housing for disabled persons by adopting a
Reasonable Accommodation Ordinance. The City of San Bernardino does not currently
have a formal process for requesting exemptions from government regulations for the
purpose of creating housing accessible to disabled persons. A Reasonable Accommodation
Ordinance will enact a process for disabled individuals (or those acting on their behalf) to
make requests for reasonable accommodation for relief from burdensome land use, zoning,
or building laws, rules, policies, practices, and/or procedures.
Emergency Shelters
The City plans to adopt a permanent emergency shelter ordinance, define emergency
shelters in the definitions section of the Development Code, and create development and
management standards in accordance with Senate Bill 2.
Transitional and Supportive Housing
The City will amend the Development Code to adequately define transitional and permanent
supportive housing and permit these uses based on unit type, in accordance with Senate Bill
2.
Chapter 4: Strategic Plan
Page 88
City of San Bernardino
2010-2015 Consolidated Plan
Streamlined Processing
The City is committed to continuing the streamlining of development activities and
regulations and will continue to analyze potential programs that seek to eliminate land use
constraints, particularly as related to the provision of new housing and rehabilitation of
existing housing. The City is considering amendments to the Municipal Code that will allow
increased administrative authority for staff or Zoning Administrator to grant discretionary
approvals for housing projects, administrative relief for lower cost housing and density
bonus programs, and deviations from the Development Code for lower cost and senior
housing projects. In addition, the City will continue to evaluate fees to identify those that may
be waived and/or decreased in order to encourage lower cost and senior citizen housing.
I. Institutional Structure
The Economic Development Agency (EDA) of the City of San Bernardino is the lead agency
for the development and implementation of all of the City's housing and community
development programs. The Agency is responsible for the preparation and implementation
of the five-year Consolidated Plan, annual Action Plans, and any amendments to either
Plan. In addition, the Agency is responsible for preparing the Consolidated Annual
Performance Evaluation Reports (CAPERs), which reports the progress achieved during a
given fiscal year.
Implementation of the Consolidated Plan requires the efficient leveraging of multiple funding
sources - federal, state, local, and private resources. These funds create housing and
economic opportunities for low and moderate income households, particularly those with
special needs. . .
The City and EDA will continue to aggressively attract housing development to ensure that
all development will be completed in harmony with the State Housing Element and
Consolidated Plan's goals. The City and EDA will also continue to coordinate the execution
of a regional homeless assistance plan with a countywide Homeless Coalition and the
Community Action Partners of San Bernardino County. These groups include:
. Non-profit service providers
. City of San Bernardino Police Department
. County Board of Supervisors
. County Department of Public Social Services
. County Department of Mental Health
. County Department of Public Health
. Realtors
. AFL-CIO
. Veterans
. Building Industry Association
. Habitat for Humanity
. Local colleges
. Job training groups
The participation of the City and EDA in this cooperative effort enables and facilitates the
delivery of homeless services and resources through effective networking. In addition, any
Chapter 4: Strategic Plan
Page 89
City of San Bernardino
2010-2015 Consolidated Plan
development of homeless services outside the city limits serves to lessen the City's
homeless problems.
Gaps in Service Delivery System
The most significant gap in the service delivery system is the lack of sufficient funding to
address the City's extensive needs. To bridge this gap, the City actively pursues additional
funding opportunities for housing and community development. The City also encourages
public/private partnerships to maximize the effective use of resources.
J. Coordination
Many projects involve the coordinated efforts of public, private and quasi-public agencies
and organizations. For example, the Agency coordinates the development and execution of
a regional homeless assistance plan with a countywide Homeless Coalition and a Local
Coordinating Group.
The Economic Development Agency will continue to meet with public and other housing and
supportive service providers to use all available resources to the maximum levels of
effectiveness. Meetings with these agencies will occur regularly throughout the fiscal year
to endorse applications for funding and to discuss cooperative ventures. The City and EDA
will also continue dialogue and project coordination with the various public/private agencies
involved in implementing the City's housing goals in order to receive input on regulations,
codes, and ordinances that could potentially have adverse effects on the development of
affordable housing.
K. Monitoring
The City of San Bernardino follows strict internal monitoring procedures to ensure funds are
used appropriately and effectively. Subrecipients are monitored through quarterly reports
and onsite visits by the grants coordinator. Affordable housing development projects are
monitored to ensure compliance with housing quality standards with City staff performing
site visits, inspections, and auditing tenant files. In addition, property management is
required to submit reports documenting compliance with income restrictions.
The City will continue to undertake annual reviews of all agencies it provides financial
assistance to in conformance with 24 CFR 91.230. Findings will be provided as part of the
CAPER Report, due to HUD annually. The report will describe the current status of planned
activities, as described in the Plan, as well as other information that describes the progress
and successes of activities. The Five-Year Consolidated Plan priorities will be evaluated
through a comparison of the goals set out for the fiscal year and the productivity
characteristics and completion data for each program or activity implemented for the
accomplishment of those goals.
Performance Measures
The City has been continually working to develop a system that measures productivity and
program impact.
Chapter 4: Strategic Plan
Page 90
City of San Bernardino
2010-2015 Consolidated Plan
Productivity
The Integrated Disbursement and Information System (IDIS) is used to track expenditures
and accomplishments of CDBG and HOME funds. This information is subsequently used by
staff to prepare the Consolidated Annual Performance Evaluation Report (CAPER) and to
evaluate future funding applications.
Program Impact
An appropriate performance measurement system would also include a component that
measures program impact. Program impact reflects the extent to which activities yield the
desired results in the community or in the lives of persons assisted.
Output-Based Performance
Outputs are direct products of a program's activities. They are typically measured in terms
of the volume of work accomplished, such as number of low income households served,
number of items processed, or number of units constructed or rehabilitated. The processes
described above provide the department with the necessary level of information to satisfy
the "outputs" component.
Outcome-Based Performance
Outcomes are benefits that result from a program or activity. Outcomes typically relate to a
change in conditions, skills, knowledge, status, etc. Outcomes could include improved
quality or quantity of local affordable housing stock, improved or revitalized neighborhoods
or improved quality of life for program participants.
The City intends to require each subrecipient of federal funds to describe beyond
quantitative accomplishments how their programs and/or activities provide a more
comprehensive, far reaching level of improvement to each individual benefiting from the use
of federal funds.
Chapter 4: Strategic Plan
Page 91
Appendix A:
Public Outreach
City of San Bernardino
2010-2015 Consolidated Plan
Appendix A: Public Outreach
Citizen Participation Process
The City of San Bernardino 2010-2015 Consolidated Plan has been developed through a
collaborative process involving participation by residents, service providers, and City staff.
Two primary methods were used to solicit public input for the Consolidated Plan:
A community meeting was held on January 21, 2010 in the Economic Development
Agency Board Room. Participants were introduced to the Consolidated Plan process and
asked to discuss community needs. Invitations and flyers were circulated to community
groups and local service providers.
A community survey, which assessed housing and community development needs, was
distributed to residents and service providers. Surveys were made available at community
centers and public counters, located online, and distributed at the January 21, 2010
community meeting.
Overall, 142 residents and service providers responded to the Housing and Community
Development Needs Survey. These surveys were analyzed and informed development of
the needs and objectives in the Consolidated Plan.
Community Meeting
The City of San Bernardino conducted a community meeting to gather information and
solicit input regarding community needs and priorities.
Community Meeting
Date: January 21,2010
Time: 6:30 PM
Location: Economic Develooment Anencv, 201 North E Street, EDA Board Room
In total, more than 15 residents and representatives of service provider agencies attended,
in addition to the five Community Development Citizens Advisory Committee members.
Service providers attending the Consolidated Plan community outreach meeting included:
Appendix A: Public Participation
A-1
City of San Bernardino
2010-2015 Consolidated Plan
. Time for Change
. Central City Lutheran Mission
Inland Fair Housing & Mediation Board
Project Life Impact
Universal Nursing Systems
. A Servant's Heart Outreach
. St. John's Success Center
. Apartment Association Greater Inland
Empire
OMNIP
Following are the notes from the meeting:
Priority Needs
. Senior housing
. Shelters
. Fair housing for post-incarcerated persons
o Questions regarding previous incarceration on applications for housing
limit access to public and affordable housing for post-incarcerated
persons
. Jobs creation and employment training are needed; potential jobs could be
created out of CDBG projects, such as landscaping or minor construction
. Housing Rehabilitation is needed, especially for single-family homes
. Development of more multi-family housing and mixed-use/multi-purpose
buildings is desired
. Solutions to homelessness are needed; a transition from homelessness into a
permanent place is critical, including services available for the transition
. Section 8 waitlist is complex and long, limiting access for many needy families
. There is a general lack of accessible housing for disabled persons. The
Inland Fair Housing and Mediation Board noted that in previous times, the
most common fair housing complaint that they had was with regard to racial
discrimination. Today the most common fair housing complaint is with regard
to disability. There is a need for reasonable accommodations/modifications.
Rental gap assistance to keep people in their homes (one month) would help
people avoid homelessness
. Counseling for families in crisis, homeless services (including health care),
and services for youth are especially needed
o Need for after-school programs (interesting and active); these
programs can also provide needed jobs
o Expand community centers to provide youth services
. Need for permanent homeless shelter, with counseling and services
connected to housing in a one-stop shop
o Some existing housing opportunities in the City:
. Veronica's House (transitional housing for 80 families)
. Mary's Table (example funded with HOME funds)
. Concerns regarding seniors and high property taxes
. Need for mental health care and housing
. Apartment Association - goal to operate ethnically and successfully offer
o Know fair housing law, disability law fair housing class
o Provides education forms
Appendix A: Public Participation
A-2
City of San Bernardino
2010-2015 Consolidated Plan
o Provides opportunities and legal advice
. Foreclosures are a consistent problem in recent years
o gO-day notice required by owner
o Renter is last to hear, and often doesn't know whom to pay
o Mediation is an option, cash for keys
o There are many absentee ownersllandlords. The City uses NSP funds
to purchase abandoned homes, rehabilitate them, and sells them to
lower-income households.
Nonprofit facilities are experiencing budget shortfalls and have a need for
affordable space to support their provision of services
. Need for community centers
o Expand or consolidated youth/seniors
o High tech
o Adopt a grandparent
o Maybe move parks and recreation
Senior nutrition/services are a continuing need
Need for nonprofit agency collaboration to offer consolidated services and
partnerships; these connections, in addition to working with parents, high
school students, and families support nonprofit missions and helps get more
work done.
. Homelessness is increasing as a result of foreclosures; approximately 5,000
foreclosures in the City since January 2008
o 2,700 homeless San Bernardino students
o Emergency food need
Overcrowding is a continuing issue
Facelift neighborhoods
. Jobs training
Safe houses needed for victims of domestic violence
. HIV and Emergency Housing and Extended Care is needed
o In coordination with connections/referrals from local hospitals
(streamline)
Appendix A: Public Participation
A-3 .
City of San Bernardino
2010-2015 Consolidated Plan
City of San Bernardino
Housing, Community Needs, and Fair Housing
Workshop
Thursday January 21,2010
6:30 p.m.
The City or San Bernardino fnvltea your participation In a workahop
to df&cuu community development, houafng, a. rllfr houafng fauea
The City of San Bernardino receives nearly $5.5 million annually from
the federal government for housing, community development, and
infrastructure projects. We need your input to help determine housing
and community needs in your community for future funding. In addition,
we invite you to discuss any fair housing concerns you may have. Fair
Housing means equal access to housing regardless of race, color,
national origin, ancestry. religion, sex, disability, familial status, marital
status. source of income. or sexual orientation.
This workshop will be held as part of the Community
Development Citizens Advisory Conunittee meeting held at:
City of San Bernardino
Economic Development Agency
201 North ESt.
EDA Board Room (Third Floor)
'if you require speciallUTangements, please contact
the Economic Development Agency at (909)663-1044
Appendix A: Public Participation
A-4
SAN BERNARDINO COUNTY SUN
-4030 N eEOfUA BLVD, SAN BeRNARDINO. CA I2<<J7
TlIlIpJlone(V09lt89.oae& IF*lI(VOlj1)8ll5-t263
Lisa ConnorlShereeMeler
ECONOMIC DEVELOPMENT AGENCY-CI
201 NORTH E ST 11301
SAN BERNARDINO, CA . 92401
PROOF OF PUBLICATION
(2015,fiC.C.P.)
Ste\IItfCelfarnlll }
County of BAN BERNAADfNO ).
N<<Ice Type; GPNS8. GOVERNMENT PU8UC NOTICe-&"
Ad DesalpUon: 6)W'~alPlenMeetlnll
1.m.~cI"lIffiId__and I fMId.nIcf....alCIIIomIa;lam
OWl' tie.. Of""" YMRo II1d nat. pIfty to or htIrMIId In fie aboVe
MIIId rIlIIht.I.... ~ clerk of" prInIer.... publlhwoflheSAN
BE1'INNUNOOOUNIY SUN,' nMIpIIPlI'".....ln.. EtVIIh II/lgIIIG8
hili cIy of SAN BERNARDINO. CCUIIY of SAN BEANNIJINO. and ..udgId
.~OflJlRlnllctllMlllOn.dllMdb'fl1llllwlol...8llltloI
CaIIomIab'fh SupIltOrCCUlof..OOUItycl SAN IJElltWtDlNO. 8Ild8 01
CdIornIa.UIdIr*"0fIll!0ft-'CIlHNo.7tOI4. ThaI"~cllIlNdl
"1U'IIlIll8d II. Pft*d copy, hU bun publlhed lnellGh NO*Vend entre
lMueol..,...,._notlnll'll~lMl'eOl'an"'~
--
0111112010,0111&'2010
Exeeultd on: 01/1&'2010
AlLos~CaIfomIa
f (:ertI'y (or declare) under panBly of perjury lhlIt lite fotegoIng IS trw tItld
<<>nod.
,Ia.t> JIJJ<<j
C\U0
-~
City of San Bernardino
2010-2015 Consolidated Plan
thlI......w...........,
SBS,: 1773B73
~1i,~AJrAt"\s.
TheCltl1l&' S'1i
. r
....,....
~.m 'l""'I:I:-'"
-~~I'''''.':::;
~~"'_Y<'"
1"-;0 p housing ami
~ . y:w~=
Ill\IIttyeu tod anyfOrr'=1tlII
=."'*:r-aceen '1olr ~
......... - ""P<,.........
orlg'n. OIKHtrv. reI...on. ~
d....llty, tomllkJl ~, morltol
!!!!!l:...orln~,or.)cuo1
i'riIi'; wllI~:rllOl101
the Com ...we ..5~
. . ~
EDA rdFIIOf)
~~C:3 arronoement..
m. Ecanornk o.wIoPmlnf Alencv 01
I~rc
.....'77H711
IJIIloloIJlolo.1~~I,q.7'p
Appendix A: Public Participation
A-5
City of San Bernardino
2010-2015 Consolidated Plan
Proof of
Publication
(20l.15..5CC.P.)q
SfArBOFCALIFORNIA.
ss
CountyofSan Bemm:Uno.,
I dedare u~er pen.lty of peljury lIuIt:
I am a dtl:ml of the United Slates and 1\ reaident of the County
.rOl'eIllId: I am DYeJ' the ase of eighteen run. and not n party to nm-
lntarSed In the abow entitled matteI". I un the prlndpel cled: of
the pri.a\ler olthe Bl Chirano Community New~1 I IV\Y8pllpllI'
ptlnted V\d pubJlahed weekly in the Oly of San 8emerdlno, County
of SIn BernardJnolUld whichl'"le\~h.speltlloned theSuperlot
Court of ..d o:ounty for determination .. . I\e\'-P"PU of general
dn':utatlon being We! no. 1SIUl19; datJrd. May. I, 1972. thai the Nollce
of AmIClltkm lor Determ1naUon .. I N8\npllpeI' of General
arcu1titton and Petition for DetermiJUlllon as a Ne..vspaper of
General Cftcul.ttoo. of IYhlch the lU'IneIIed it a printed oopy. hat
Mn publithed in each "8u1m _ enlite lI8\M cf aid newlIpApft'
.and not In any Iupplemenl thermf em. the following datn, Io-wlt:
January 14, 21. 2010
J CfttIly under penalty of peljury 11\11t the fotegolnC II true and
"""".
Datod:lanulry2L.2DlO
~.omun ~ ~
-
EI Chicano Newspaper
P.O. Box 6247
San Bernardino, CaUfornia 92412-6247
Phone (909) 381-9898 . 364~0406 FAX
Appendix A: Public Participation
A-6
City of San Bernardino
2010-2015 Consolidated Plan
Community Survey
As part of the 2010-2015 Consolidated Plan, the City of San Bernardino conducted a
Housing and Community Needs Survey to access community opinions and concerns in
seven needs categories:
. Community Facilities
. Community Services
. Infrastructure Improvements
. Neighborhood Services
. Special Needs Services
. Economic Development
. Housing
These needs categories were further divided into specific topics, such as "community
centers" (from the Community Facilities category), "street/alley improvements" (from the
Infrastructure category), and "senior services and activities" (from the Community Services
category). For each category, the respondent was asked to indicate unmet needs that
warrant expenditure of public funds by ranking each topic with a "priority need" level from
Lowest to Highest need. In tabulating the survey results, "1" is used to denote the highest
need and "4" to denote the lowest need. An average score was calculated for each need
category; the lower averages (and closer to 1) represent the community's assessment of
that category as more in need. A total of 143 surveys were returned. Table A-1 indicates the
rank that each unmet need received.
Table A-1 Community Development Needs Survey Results
Needs Cateqorv Activities/Prollrams Rank
Fire Stations & Eauioment 1
Yauth Centers 2
Health Care Facilities 3
Community Facilities Park and Recreational Facilities 4
Libraries 5
Communitv Centers 6
Senior Centers 7
Child Care Centers 8
Anti-Crime Prcarams 1
Youth Activities 2
Heaith Services 3
Community Services T ransnorlation Services 4
Mental Health Services 5
Senior Services & Activities 6
Child Care Services 7
Leaal Services 8
Ownershio Housina Rehabilitation 1
Housing Homeownershio Assistance 2
Enerav Efficient Imorovements 3
Senior Housina 4
Appendix A: Public Participation
A-7
City of San Bernardino
2010-2015 Consolidated Plan
Table A-1. Community Development Needs Survey Results
Needs Catellorv ActivitieslProllrams Rank
Rental Housing Rehabilitation 5
Housino for Disabled 6
Fair Housino Services 7
Affordable Rental Housino 8
Housino for Lal1le Families 9
Lead-Based Paint Test/Abatement 10
Street/AIIev Imorovement 1
Street Liohtina 2
Code Enforcement 3
Infrastructure Water/Sewer improvement 4
Flood Drainaoe Improvement 5
Sidewalk I morovements 6
Tree Plantina 7
Small Business Loans 1
Job Creation/Retention 2
Economic Development Emolovment Trainino 3
Facade Improvements 4
Rehabilitation of Commerciaillndustrial Properties 5
Centers/Services for Disabled 1
Handicaooed Access in Public Facilities 2
Domestic Violence Services 3
Special Needs Services Substance Abuse Services 4
Homeless ShelterslServices 5
HIV/AIDS Centers and Services 6
Neolected/Abused Children Center and Services 7
Community Survey Comments
The Community Survey also allowed respondents to provide written comments regarding
community needs. Those comments are included below.
. Teen Pregnancy
. Having Code issue administrative citations some times does not get the property
cleaned up. There needs to be a way that the City will go in and clean the property
then charge the owner. Issuing a citation doesn't mean that the property will be
brought up to code. The neighborhood is still suffering because of one property even
though hundred and sometimes thousands of dollars in citation fees have been
issued. The goal needs to improve the appearance of the neighborhood.
. Fire protection in the north end is important!
. Unranked items on my responses are deemed not to be priorities that the city should
spend taxpayer money on. While noble and valuable, these areas are better served
with private sector investment and assistance.
. Carousel Mall needs to be rehabilitated to once again become the center of the down
town area, making money for the city, not as a government building!
. Community Building- Building the sense of belonging and engagement so essential
to this city.
Appendix A: Public Participation
A-8
City of San Bernardino
2010-2015 Consolidated Plan
. We should concentrate on using our gifts and capacities rather than addressing our
needs when looking to spend federal dollars.
. San Bernardino schools are suffering from lack of funding while our school district
has an absurd number of superintendents who receive large salaries for doing
essentially nothing. We are not seeing any benefits from having these people being
in charge of our schools.
. I feel it is important City acts upon professional suggestions to begin downtown's
transformation into one representative of Sports University's online rendering of what
SB Downtown is supposed to look like. Tear out that asphalt already, please :-)
ALSO: No mention in the survey of either the new transportation hub at 2nd & Mill, or
the high speed bus service. Both very eagerly awaited :-) ALSO: Arrowhead Springs
Resort - when we may start suggesting it as a venue for events ALSO: The
importance of prioritizing the whole foods weekly distributions (with USDA Food
Stamp Acceptance Approval). _ & I are working toward at ALL city community
centers/senior centers, etc. We MUST begin to elevate ourselves to optimum levels.
Kids on Pepsi, Pizza & Cheetos will NEVER thrive. Please, let's see 2010 become
Year One for the wholesome fresh produce distribution network, available to ALL
citywide :-) xoxox -_
. We need to revive downtown San Bernardino in order to restore pride in our city's
residents.
. Gay, Lesbian, bisexual and transgender youth are our most at risk of at-risk youth.
Rainbow Pride Youth Alliance is the only local nonprofit attempting to do something
for these kids, with little community help. The city needs to consider these kids in
developing and funding youth support programs.
. Make available to those who are disabled: grants for "reasonable" home
improvements (i.e.: to repair roofs, or other repairs that would strengthen the integrity
of the homes structure, or to make the home more 'accessible' for the disabled / i.e.:
non cosmetic repairs) AND PLEASE make the knowledge of HOW TO ACCESS
these grants available to the public!!!
. Community based, as opposed to school based, youth programs and homework
centers
. Propaganda, a program to give our city a good name and to erase the negative
feeling most have towards SB. This would enhance almost every program discussed
in this survey. We need to make SB a desirable place to do business and to live. All
property values would rise with a good propaganda program.
. Appreciate the opportunity to give some input in the decision making process.
. A: I would like to see a City tax on all monies sent out of this country. B: We should
wage a city-wide war on ALL gang activity, including tagging. C: I would like to see
other types of music at the Orange Show, instead of Rap and Rave. This venue used
to showcase the best and brightest.
. There are way too many people going hungry in our city right now. Many of which
are seniors and children. We need to support more charitable food distribution of
offset the large amount of job losses etc. to good families. Nobody in America should
be going hungry.
. Communication with the Public (Available also in other languages)
. I think there is a need to bring the residents together to build a feeling of community
and pride in our city. More community events and more publicity for those events
. We need to make all businesses that sale illegal drug related items i.e.: pipes, rolling
papers etc. to be policed. The Smoke Shops have clients who are themselves or
Appendix A: Public Participation
A-9
City of San Bernardino
2010-2015 Consolidated Plan
know people who are on drugs or sale drugs. They sell bongs and crack pipes and I
don't like them in my neighborhood.
. First of all, PLEASE learn how to spell the name of our city-it's SAN BERNARDINO-
not SAN BERNADINO. This glaring error just makes the whole thing look bogus.
. Listing from 1-10 isn't a true indication as so many are equally important and cannot
properly be ranked.
. I would like to see programs which encourage citizens to volunteer in needed areas
and not just put all the responsibility on city government.
. Ages 55 and up and disabled people need places to live that crime is low and they
can be safe and can afford the rent. These people cannot work any longer while
young people stay on Section 8 for years. It is those that can no longer be of use that
are ignored.
. JOBS JOBS JOBS DUH. STOP SPENDING MONEY ON PEDOPHILE DAY CARE
for crack babies and get the people who live here jobs. Stop hiring people who live in
other cities.
. All homes that are boarded up something needs to be done to them they just create
problems for the community, make them affordable to 1st time buyers and remodel
them to look presentable. 80% of the time homeowners take more pride in the
community
. Political honesty, integrity and sincerity. A demonstrated interest in the public's
needs.
. The questions in this survey seem to perpetuate the whole blight, graffiti, homeless
situation that we are already experiencing in SB. I would like to see SB returned to its
old self. It has gotten so bad in the last few years and homeless shelters, Section 8
housing and housing for convicted felons are only increasing these issues. We need
to start reversing the issues that SB faces and this includes making SB a city where
people want to purchase property not just a place that property values are so low
that anyone can afford housing.
. What about increasing police services? We need to increase street officers.
. Water conservation measures including assistance to owners to make water-wise
improvements to landscape.
. The need in this community is providing the youth in this community something to do
rather than join gangs. Our area needs a boys and girls club, we need basketballs
courts, tennis courts, activities for our youth to participate in. Movies or concerts in
the park. Wildwood park is such a beautiful park but there is nothing going on there
to bring families there to enjoy it. Business suffers because kids have nothing to do
but shop lift. Kids need to be a good part of the community but here there is nothing
to so them how.
. No more low housing. Example: Waterman Gardens, it just brings more crime into
San Bernardino
. Although my zip code is 92346, I live in an area that is zoned into the City of San
Bernardino. I definitely feel that the City needs to stop using funds to develop more
low income housing and focus on using those funds to develop housing for seniors.
. If you have monies that you want to know how to spend, maybe you have over taxed
the citizenry.
. The city should focus on garnering volunteerism and community pride - to change
the culture and climate of San Bernardino - so civic pride must be restored.
. Quit approving strip malls as there is already an over abundance of them and lots of
vacancies. Be new business friendly instead of running new businesses out of town
Appendix A: Public Participation
A-10
City of San Bernardino
2010-2015 Consolidated Plan
due to some of the ridiculous requirements and regulations. This town has really
gone downhill in the 35 years I have lived here!
. Weatherization programs. I see many houses that are in desperate need of new
roofs, and with the price of roofing I can understand why they are not done. Not only
would this beautify the city but it would make the city more energy efficient.
. I feel that the homelessness in the city of San Bernardino should be addressed due
to the fact that now complete families are becoming homeless due to the economy.
This would help a lot of families if we were able to access low income housing for
people who would not normally qualify for low income housing but due to the
economy are now part of a one income family, such as myself. We also need
affordable health care. Thank you for understanding the needs of the citizens of San
Bernardino.
. If you want to make San Bernardino a great city again, eliminate/greatly lower
corporate taxes within the city limits and create a safe environment that businesses
will want to come to and stay in San Bernardino. Then lower the sales tax to entice
consumer revenue so people will come to San Bernardino to shop and spend
money. Then lower the property taxes. This will start to revitalize the city making
more people want to buy homes here. Then current homeowners will with their own
money fix up their own houses, making the neighborhoods more attractive. This will
make other people want to live here and buy houses, and shop and spend and work.
Eventually this city will be as prosperous as it once was. Please do not spend it on
programs that throw good money away and leave the residents with unsafe
communities, pot hole ridden streets, empty buildings, foreclosed homes, unusable
dirty unsafe parks, and an undesirable place to live and work. Let the private sector
thrive instead of more city programs that help the special interests. Somewhere out
there is a great man who will act in a selfless way, and serve this city uncorrupted.
That man will be used by God in a great way and lead this city back to a great place
to live. But until that great man comes, no spending on any programs except police,
fire, street repairs, and enforcing the city, State and Federal Laws. It's time to buckle
down and tighten our belts for a better future.
. Repair roads
. Four fireman on engines in 4th & 5th wards.
. More patrols in the Verdemont Area, as more crimes are happening in this area.
Have S.B.P.o. take reports no matter how busy they are, we still matter and pay
taxes.
. We also need to ask open ended questions in each of the neighborhoods to ask how
can the city help reduce crime.
. The city needs to focus on the north end area off the 210, particularly the Waterman
Ave. exit area. Thousands of people get poor impressions of SB from that area while
they are on their way to and from Lake Arrowhead, Lake Gregory, and Crestline. The
lower crime rate, beautiful, well-maintained older homes, and established trees and
landscaping in that area would make it much less expensive to rehabilitate that area
than many other areas of the city. The city must convince Caltrans to improve the
'andscaping along Waterman Ave. and the police department should rid that exit of
the constant presence of people begging for money. The empty ex-Stater Bros.
building needs to be filled with a high-end store, not another Mexican market. I heard
that Trader Joe's was interested in it. That would bring a lot of money into San
Bernardino that is currently going to Redlands and Rancho, as well as give the North
AppendiX A: Public Participation
A-11
City of San Bernardino
2010-2015 Consolidated Plan
End a wonderful image update. Last but certainly not least, the abundance of ugly,
old, crime-ridden, section 8 apartment complexes needs to be drastically reduced!
. The city requires full time, full paid elected officials to represent and work on behalf
of the residents. Staff is too focused on priorities set by a few inside City hall rather
than the people. Full time Councilman will mean full time focus and results.
· I really would like to see the City to complete a parks and recreation plan to
implement parks and community services to underserved areas of the City. I live in
the northern part of the City and there are no community centers in this area.
. There needs to be more opportunities for recreation (especially an aquatic center,
great than the CID) for physical rehabilitation and physical fitness
. I think there is a need to have more police on regular patrols. There is never any
police presence in my neighborhood. Patrolling helps eliminate graffiti and
vandalism.
. I believe that the highest priority should be establishing jobs and businesses in S.B.
to create tax dollars for the public services help. Establish housing that is affordable,
and help stabilize the loss of foreclosure. Some meetings to get ideas in how to
solve the building and housing vacancy for efficiency. Maybe allowing assistance
with new homeowners that reduce the empty house that usually has weeds growing
and vandalized. Let's not plant trees and repair sidewalks until the major changes
are made. Parents should be responsible for there children's activities but volunteer
big brother programs and ideas prevent the city using funds for more important
projects. Maybe creating support groups with people with.hiv/aids and other medical
needs could also save the city project money. We need to have a nice lunch meeting
for the public and allow residents to express there vision's of what the real needs are
which ones will take care of themselves, and where volunteers could solve problems
that burden the city. I would love to eat a good lunch, pay 15.00 with other residents
and share my ideas. I would like to rationalize my ideas of priorities and explain the
reasoning.
. Job development
. Entertainment for our community and youth
. More Police to enforce the laws, panhandling, vagrancy, and squatters. More of the
unused and abandon buildings torn down. Beautification of Highland Ave. and
improvement of the look of the business. We need stricter civic laws that govern
business and residential areas. We have enough low income housing; that is all we
have! We need to attract industry which attracts and retains high paying
professionals. What happened to using Norton Air Force Base as a shipping hub?
. Many residents "desperate for the American Dream" living in the City of San
Bernardino lost their homes prior to all the "loan mod" activities and based on the
restructuring of loans can afford to pay mortgages as they are now, but because of
foreclosures can not get a home now. Given an opportunity a special program would
assist these persons in stable jobs to once again obtain dream home with financial
education classes and assistance from the city. I work in the social services field
and have seen many families couch surfing with their families because they do not
want to go the motel and would never go to the Salvation Army with their children.
Some are too ashamed and live in outer motels using a grFlat deal of their pay
checks. These families would be a great asset to the community. The city should
buy some of the houses, rehab them, turn them over to a non-profit like the IECAA
churches, include renters insurance or whatever it takes to cover City's liability,
include financial education, Civic government meetings; City Council, School Board
meetings, Credit Union Meetings etc. a year long program at minimum creating
Appendix A: Public Participation
A-12
City of San Bernardino
2010-2015 Consolidated Plan
points for community involvement with option-to-buy. 50 vested families strategically
placed within the City of San Bernardino would make a difference Coldwell Bankers
should jump on it - I see more blue and white signs falling down around the city than
still standing - I bet the houses are taking a beating inside too or did they receive
enough of our bailout money to weather the storm? If they are waiting 3 more years
in hopes that they can come strong there may not be enough standing to build on.
. A downturn in the market is a great time to develop, bolster and extend existing
redevelopment plan areas. Also we should be developing strong planning elements
that will better position our city for larger CDBG and transportation allocations in the
future. With better funding, we can leverage our assets, resources, and political
capitol to establish strong community partners. This will allow us to spread the
maintenance obligations and to synergize program development. We need a strong
downtown draw. By pushing facade programs, demolish grants (if we have them),
and aggressively assembling land we can lay the ground for large marquee
redevelopment projects. Transportation corridors are poor and cosmetically
unappealing. Many funding sources can be used to address this issue. Last and
most important, the city has completely failed in branding itself. Much work needs to
be done here.
. I have found it very disheartening that with the economic down turn our city has
taken money away from our schools and removed teachers which crowed the class
rooms even more so. I am stammered how when push comes to shove financially,
money is easily obtained by cutting spending from other departments. Has anyone
thought to cut the mayors money or the money he gets to spend with in his own
department. The last place money should be taken from is from our schools. This is
of the highest priority to me.
. We desperately NEED to give 40th Street a face lift. Sadly, San Bernardino has
such potential due to its central location and it is quickly spiraling down.
. Dilapidated/abandoned houses. Could these be rented by subsidies if only
temporarily to avoid neighborhood blight.
Appendix A: Public Participation
A-13
City of San Bernardino
2010-2015 Consolidated Plan
- City of San Bernardino
Community Needs Survey
The City of San Bernardino receives approximately $5.4 million in federal "nds each year for housing and communfty
d_opment projects. The Cfty wanls you to have a voice in how to inwst this money. As you iil out this survey, please
consider the following: 1) Consider the needs in your cemmunily and how they can be inpl'<M!d; 2) Rank the
importance level for each of the iJllowing items within the section, wlh a rwlldng of 1 being the most inportant need.
PI.... pro..do YO" ZIP CODE
Senior (65+)? YIN Do you halle a disablfty? YIN Do you rent or own your heme?
In each section, use the blank space to the right of.ach item to rwlk in orderth.1Iem thai you feel is th. most
important in S., Bemil"dino. (1 indicates the most important need, 2 indicates the second most import.,t need, etc.)
CommuMYFlIClfties Ronk lI'rom 1-8' c-lIIIInitv .....ice. Rink /From1-8)
Senior Cent.rs Senior Services & Adlvitles
Youth Centers Youth Activlles
Child Care Centers Chid C.... Services
Parks & Recreational FaciDties TransDOFtation Services
Hellth Care Facillies AntH:rime Procnms
Commun Centers Healll Serviceo
Fire SIalIons & E luloment Mental Healll Services
Libraries L. I Services
Houling Ronk (From 1-10) w..-ure ond Ronk (From 1-1)
NeI 1m vemenl.
OIMle""ip Housino Rehabiitalion Flood OraInlOlll revement
Rent.1 Hou.... ReII.billation __I....revomenl
H orneov.nersh Assistance SlreetlAII '1II"OI'OYement
AfI'ordsble Rental Haulin. Slr"'~
Housln for D1S1bled SIdewolk I revements
Senior Housing ree P1anlil
Housln for L e FamHies Code Enfilrcement
Fair Housina Services ~1oII N_SonIc.. Ronk From 1-1'
Le.cl-Based P.int Test/Abatement C...-JServices for Disabled
Energy Efticiency Improvements Handicapped Access In pubic
F8cilities
Economic OevelODment Rank tFrom 1-6' Domeotlc ........c. ServIces
Smal Bullness Loans Sublllnce Abuse Services
Job Creation/Retention Homel.ss ShellersJServlces
Em 10 ent Trainino HIVIAIDS Centers & Services
Fapade Improvements N.g1ectedlAbused Children
Center and Services
RehabiDtalion of CommerclaVlndustrial _. _In _ needs that are not lioled above or
Properties include anv comments YOU would like considered:
Please return surveys by January 30, 2009 to:
Economic Development Agency. 201 North E Street, Suite 301, Sen Bernardino. CA 92401
For any questions about lhese SUNeY6, contact: Lisa Connor at (909) 663-1044 or allconnor@&brlla.org
Appendix A: Public Participation
A-14
City of San Bernardino
2010-2015 Consolidated Plan
Ciudad de San Bernardino
. Encuesta de Necesidades sobre
. .
Vivienda y Desarrollo Comunitario
La Ciudad d. San Bernardino recibe coda aIIo aproximadarn.nte $SA nilon.. de fondos foderales para proyec:tos de
vlYienda y desarrolo. La Ci.IClad desea que used tenga una voz en cull sena Iii mejor manera de invertlr este dlnem. AI
Ilenar este cuestlonario, por favor considere to siglllente: 1) Cuales son 'a necesidades de su comunidad y como 5e pOdrfa
me;orar eSB situ.cion. 2) Cali1ique el nivel de necesidad para cada uno de los siguientes conceptos, empezando con et
numero 1 para identilcar Ia necesidad mas iqK)l'tante.
Por fa_, pray...1 c6dgo postal de .u re.ldonelo: tEdod (85+)? _
t 11_ Uotod oIguna dlocopacl_? S6>I tVl.. Uot.d on cua propio 0 de renla?
En cadi seceion, utilice el espacia en blanco a 18 derecha de cadi. articulo para lndicar su orden de Importancia segUR 10 que
usled pionso ser 10 .... noc.silado on San Bemordlno. (1 i1dlcalo n....idod ....lmportonte, 2 incicala ..gunda nocesidod
mis important., ole.)
LuilOJeO Com.....rio. Ronao (de 1081 IervIcloo Comunltorloo Ronco (d. 108)
c~~ra Personas M res SeMcios Persona. Mavnres
Centros ra J6venes Adividadel Dil" J6Yenes
C.nlres de Cuidado Infantil Servlcios de CUldado Infantil
PiMIIes gentros Recreativos Servlcios de T.........rt.
Cenlres "" e1 CUidado d. I. Solud Proaramas de Anti-Crimen
Cenb'os Comunlarios Servlcios de Salud
Eolocion.. de Bcmboro. E ui 0 Servicios de Salud Menial
Blbioteca. Servic\o. L .10.
Vivienda Rango (d. 1.10) Inf_ctura y MejOlf.. on Rango (de 1....)
v.clndorloo
Rohlbillacilln ra vtvienda ProDI. :i!ort.. en .1 Dos. ·
Rohlbillacilln IIlvIonda de R.nt. art.. .n """II A1c.nlartl..
Aslolencia 00,," Com~ C... Me art.. .n Col.sI eoU=O.
Viviend8 EconOmica nil Rent. Muninaci6n de Ias II..
VivIen. nil Personas Dlscanacitadas Me"arlas en lis Banauetasl Acera
Vivienda Penonas Me P1anl.ci6n de ~
Viviende nil FamiHas Numerosas Enbz.nienID d. C6 os
Servlclos de Viviend. Jusla Neceol_ E._os Ron 0 d.1.71
EximonJ Dlsmlnucilln d. Piltura CentrosJ Servicios para Discapacitados
Bond. en Plomo
Malar.. de ElIciencll de En.rola Accesos Danl 01108 acibldos
Dosarrollo Ec0n6mico Ronco Ide 1-51 Servlcios contra VioIencia DorMsticl
Prestamos ,,"Po etlos Comercios Servlcios Abuso de SU..neln
Crelci6n y R.tencl6n de Empleos Amparol ServiDios para Personas sin
HMa'
Entrenamiento 00"" E 0 Centro. ServIcIo. de V1H/SIDA
MejorIo. de F.chod. Centros y Servtcios para Ninos
Abusados
Rohobillacilln de Propiedados Por favor .scrib. CUIIIqUIer necesidad que no haya sido
mencianada 0 incl~ cualquier comentaria que usted
Industrial.. Comen:lalo. -liera ue sea coMlderado:
Fo""rd. enlreg.. esto a..uest.. rnlistardar .130 cia ano,o 2008 en:
Ag.ncla de Desarrollo Econcimlco, 201 North E street, Slit. 301, Son Bernardilo, CA 92401
Puede dlrtOir suo preguntaslcom.ntario. sobre esta encuesta a: Lisa Connor aI (909) 663-1044 olconncrOsbrda.org
Appendix A: Public Participation
A-15
City of San Bernardino
2010-2015 Consolidated Plan
Community Development Citizens Advisory Committee Meeting
The City of San Bernardino provided a draft of the AI to its Community Development
Citizens Advisory Committee Meeting for their review and solicited comments, questions
and feedback from the Committee.
Community Development Citizens Advisory Committee Meeting
Date: March 25, 2010
Time: 6:00 PM
Location: Economic Develooment Agency, 201 North E Street, EDA Board Room
The meeting began with a presentation of the City of San Bemardino Five Year
Consolidated Plan and Analysis of Impediments to Fair Housing Choice to the five
Committee members in attendance. This was followed by a question and answer session
between the Committee, City Staff and Veronica Tam and Associates. The following two
comments were received:
. Foreclosure on Section 8 property owners is becoming a problem. Committee
member is aware of Section 8 Voucher recipients who are being evicted with little
notice because the property owner is in foreclosure and has not alerted the Voucher
recipient.
· Would like to see a senior recreation and service center built in the City. There is no
space for seniors to have activities and services and San Bemardino is an aging
community in need of senior services.
Appendix A: Public Participation
A-16
City of San Bernardino
FY 2010 - 2011 Action Plan
April 2010
City of San Bernardino
Economic Development Agency
201 North E Street, Suite 301
San Bernardino, CA 92401
(P)(909)663-1044
(F) (909) 888-9413
City of San Bernardino
FY 2010-2011 Action Plan
Table of Contents
Executive Summary............ ............................................................................. ........................ i
Action Plan: One Year Use of Funds ...................................................................................... 1
A. Citywide Priorities........................................................................................................ 1
B. Resources Available.................................................................................................... 2
C. Geographic Distribution..................................... ..........................................................4
D. Service Delivery and Management .............................................................................4
E. Priority Investment Plan ..............................................................................................4
F. Planning and Administration.............................. ........................................................ 28
G. Lead Based Paint Reduction Strategy ......................................................................28
H. Overcoming Barriers to Affordable Housing .............................................................. 29
I. Public Housing......................... ................................................................................. 31
J. Institutional Structure................................................................................................. 32
K. Coordination.............................................................................................................. 33
L. Monitoring.................................................................................................................. 33
M. Specific Program Requirements............................................................... .............. ...34
Table of Contents
Page i
City of San Bernardino
FY 2010-2011 Action Plan
Executive Summary
The City of San Bernardino has provided leadership in developing community strategies for
providing decent, affordable housing, a suitable living environment and expanded economic
opportunities for all households within the City. The City has developed viable partnerships
with the private sector that include: financial institutions, real estate professionals,
developers and private businesses. San Bernardino has also been at the helm in
developing a strong collaboration with for-profit and nonprofit organizations to access
federal and state programs to increase housing opportunities for low- and moderate-income
households, eliminate blight, and provide necessary public support services for families or
individuals in need of assistance, as well as address needed public facilities, infrastructure
improvements and entice economic development activities.
In 1974 the Housing and Community Development Act was passed by the United States
Congress and signed into law, which created the Community Development Block Grant
(CDBG) Program. In 1992 the U. S. Congress created the HOME Investment Partnership
Act Program (HOME) to expand affordable housing opportunities for low and moderate
income people. The City of San Bernardino is a Participating Jurisdiction and receives an
annual formula allocation of funds under the CDBG program. These funds benefit low and
moderate income neighborhoods and persons (with incomes up to 80 percent of the Median
Family Income or MFI)' and aid in the prevention and elimination of slum and blighted
conditions. The program is administered by the U.S. Department of Housing and Urban
Development (HUD).
The City's objective through the Community Development Block Grant (CDBG) program is
to provide a viable urban community by providing decent housing, a suitable living
environment, and economic opportunities principally for persons of low and moderate
income. The City has detailed its approach for developing goals and objectives that will have
a long-term stabilizing impact on City neighborhoods in its Five-Year Consolidated Plan,
which was adopted in 2010 according to HUD requirements.
Each year, the City prepares an action plan based on the entitlement grants it receives from
HUD. For the 2010-2011 Program Year, the City will receive federal entitlement funds in the
amount of $5,748,104 under the following programs:
. Community Development Block Grant (CDBG) Program: $3,891,483
. HOME Partnership Investment Act (HOME) Program: $1,698,384
. Emergency Shelter Grant (ESG): $158,237
This Action Plan provides an explanation of the City's planned use of funds and serves as
the City's annual funding application to HUD. The Plan includes the following components:
. Citywide Priorities
. Resources Available
. Geographic Distribution
. Service Delivery and Management
The income limits used by the CDBG program are different from State of California income limits for programs
funded with State funds or authorized by State legislation (such as the California Redevelopment Act). State
housing programs usually extend assistance to households with incomes up to 120 percent AMI.
Executive Summary
Page ES-i
City of San Bernardino
FY 2010-2011 Action Plan
. Priority Investment Plan
. Planning and Administration
. Lead Based Paint Reduction Strategy
. Overcoming Barriers to Affordable Housing
. Institutional Structure
. Coordination
. Monitoring
. Specific Program Requirements
This is the first Action Plan for the 2010-2015 Five-Year Consolidated Plan. A detailed
discussion of the City's goals is also included.
The City of San Bernardino encourages residents to become involved in the planning and
implementation activities of the Annual Action Plan. The City involves its citizens in
determining needs, issues and the designing of programs and activities to address those
needs and issues. The City also coordinates the efforts of its City Departments to meet the
identified housing needs, and utilizes housing programs and projects to create sufficient
visual impact intended to stimulate additional private investment in the City's housing stock
and diversified neighborhoods.
As required by HUD, the City follows a Citizen Participation Plan in the planning and
evaluation of programs contained in this Action Plan. Involving residents and stakeholders is
necessary to accurately reflect the housing and community development needs of the City's
residents. The City followed the Citizen Participation Plan outreach, noticing, and hearing
requirements. This Action Plan has been developed through a collaborative process that
included the participation of residents, service providers, and City staff.
As part of the Action Plan development, the Community Development Citizen Advisory
Committee (CDCAC) held a public hearing on January 21, 2010 to consider projects and
activities for use of federal funds. The public hearing was held at the Economic
Development Agency Board Room. In total, more than 15 residents and representatives of
service provider agencies attended this meeting, in addition to the five Community
Development Citizens Advisory Committee members. On March 25,2010, the CDCAC held
a public hearing to review the Draft FY 2010/11 Annual Action Plan for CDBG, HOME, and
ESG funds. On May 3, 2010, the City conducted a public hearing to receive oral and written
comments on the draft 2010-2011 Annual Plan and adopt the Action Plan.
The Draft Action Plan will be available for public review for a 30-day period beginning March
30,2010 and ending April 30, 2010. The Draft Plan will be available at the San Bernardino
City Hall public counter and the following public libraries: Norman F. Feldheym Central
Library, Dorothy Inghram Branch Library, Howard M. Rowe Branch Library, and Paul
Villasenor Branch Library. Comments received during the public review period will be
incorporated into Appendix A.
Executive Summary
Page ES-ii
City of San Bernardino
FY 2010-2011 Action Plan
Action Plan: One Year Use of Funds
This Action Plan provides an explanation of the City's planned use of funds and serves as
the City's annual funding application to HUD. The Plan includes the following components:
. Citywide Priorities
. Resources Available
. Geographic Distribution
. Service Delivery and Management
. Priority Investment Plan
. Planning and Administration
. Lead Based Paint Reduction Strategy
. Overcoming Barriers to Affordable Housing
. Institutional Structure
. Coordination
. Monitoring
. Specific Program Requirements
A. Citywide Priorities
The mission of the City of San Bernardino is to actively and aggressively improve, develop
and maintain quality neighborhoods and provide housing opportunities throughout the City.
The City has identified nine priority areas to pursue and focus on in the Five-Year
Consolidated Plan (2010-2015). The nine priorities are:
1. Preserve and rehabilitate existing single-family dwellings.
2. Improve neighborhood conditions through code enforcement and abatement of
dilapidated structures.
3. Expand homeownership opportunities and assist homebuyers with the purchase of
affordable housing.
4. Provide rental assistance and preserve existing affordable rental housing.
5. Expand the affordable housing inventory through new construction.
6. Eliminate identified impediments to fair housing through education, enforcement, and
testi ng.
7. Assist homeless and special needs populations with supportive services.
8. Improve and expand community facilities and infrastructure to meet current and
future needs.
9. Promote economic development and employment opportunities for low and
moderate income persons.
Action Plan: One Year Use of Funds
Page 1
City of San Bernardino
FY 2010-2011 Action Plan
The City's strategy is to effectively utilize and aggressively seek federal, state,
redevelopment, local and private resources to operate and implement a number of programs
to assist households in each of the nine Priority Areas. The following section summarizes all
of the funding sources available to the City.
B. Resources Available
The financial resources expected to be available to carry out and implement projects and
activities identified for FY 2010-2011 are summarized below in Table 1:
Program
Federal Sources
Communit Development Block Grant (CDBG
CDBG Pro ram Income
HOME Investment Partnerships Act HOME
HOME Pro ram Income
Emer enc Shelter Grant (ESG
Nei hborhood Stabilization Pr ram NSP
San Bernardino Housin Authorit Housing Choice Voucher Pr ram
San Bernardino Housing Authorit Public Housing
Total
Local Sources
Redevelopment Tax Increment Funds (Approximatel
Redevelo ment Housin Set-Aside
Cit General Funds and State Funds
Total
Non-Profit and For-Profit Sources
Non-Profit Partners In-Kind Donations
Developer Investment
Private Lending Institutions
Total
Note:
1. While the City's Redevelopment Project Areas generate large amounts of tax increment funds, significant portions of those funds
have already been committed to existing bonds and other debt or are needed to make ERAF payments to the State. Available
funds for upcoming projects are significantly less than shown.
2. The Cit will not a I for Rural Homeless Housin Funds because there are no rural areas located within the Cit .
$3,891.483
$40,000
$1,698,384
$2,700
$158,237
$8,400,000
$20,000,000
$1,600,000
$35,790,804
$30,900,000
$6,700,000
$20,100,000
$57,700,000
$2,800,000
$109.400,000
$11,900,000
$124,100,000
1. Support of Applications by Other Entities
During FY 2010-2011, the City will support the efforts of San Bernardino County agencies,
non-profit and other entities in their applications for funding from all available funding
sources. However, the City will not support agencies' applications, if such applications are
not consistent with the City's 2010-2015 Consolidated Plan. The circumstances under
which the City will not support such applications are:
· There is no demonstrated ability by the applicant to carry out the activity/project in a
timely manner.
Action Plan: One Year Use of Funds
Page 2
City of San Bernardino
FY 2010-2011 Action Plan
. Type of activity, size of proposed project, and lack of implementation plan to
successfully complete and maintain the project.
Table 2 U S Department of Housln(j and Urban Development CPO Consolidated Plan Support
of ApplicatIOns by Other Entities Report
. Formula/Entit/ement Proorams
ESG I y
Public Housina Comprehensive Grant I y
Comoetitive Proorams
HOPE 1 y
HOPE 2 Y
HOPE 3 y
ESG y
Supportive Housina y
HOPWA Y
Safe Havens y
Rural Homeless Housina N
Sec. 202 Eiderly y
Sec. 811 Handicapped y
Moderate Rehab SRO y
Rental Vouchers y
Rental Certificates y
Public Housina Develooment y
Public Housina MROP y
Public Housina ClAP y
L1HTC Y
Fundln Source
Su rt A hcatlon b Other Entities
2. Leveraging Private and Non-Federal Funds
Local funds will be leveraged to the greatest extent possible by using it as "seed money" or
local match for programs funded by state or federal govemment and/or private enterprise.
Financial assistance may be provided as grants or loans, and may include equity
participation.
3. Matching Fund Requirements
HOME Investment Partnerships Act (HOME)
All participating jurisdictions must contribute or match 25 cents for each dollar of HOME
funds spent on affordable housing. The HOME statute provides for a reduction of the
matching contribution requirement under three conditiC'ns: 1) fiscal distress, 2) severe fiscal
distress, and 3) for Presidentially-declared major disasters. When a local jurisdiction meets
one of the above mentioned distress criteria, it is determined to be in fiscal distress and
receives a fifty percent (50 percent) reduction of match. If a local jurisdiction satisfies both
of the distress criteria, it is determined to be in severe fiscal distress and receives a one
Action Plan: One Year Use of Funds
Page 3
City of San Bernardino
FY 2010-2011 Action Plan
hundred percent (100 percent) reduction of match. The City continues to be 100 percent
exempt from Matching Fund Requirements relative to the Federal HOME Program.
Emergency Shelter Grant (ESG) Program
In-kind resources and private donations will be utilized by the non-profit service providers
with the ESG Grant. Other eligible public/private sources will be actively pursued when
feasible.
C. Geographic Distribution
The City's EDA, administrator of the various federal programs and other redevelopment
housing programs, will concentrate most of its housing rehabilitation and preservation
programs and activities on a citywide basis through the Single-Family Beautification
Loan/Grant Program and Mobile Home Maintenance Grant Programs for low- and
moderate-income owners. Public services will be also provided on a citywide basis for
eligible residents. Public facilities and improvement projects and code enforcement
activities will target areas with 51 percent or more of low- and moderate-income persons.
D. Service Delivery and Management
The EDA has the lead responsibility for the development and implementation of the
Consolidated Plan and annual Action Plans for the use of CDBG, HOME, and ESG funds.
As the lead agency for implementing the City's Redevelopment Housing Implementation
Plan, EDA coordinates the use of CDBG, HOME, and ESG funds, along with redevelopment
housing set-aside funds to address the various housing issues in the community. These
funds create single- and senior multiple housing and other identified special needs
construction. The types of housing which will receive the greatest level of advocacy by the
City will be housing for the elderly, handicapped, special needs populations and low- and
moderate-income families. EDA will continue to focus on new construction, rehabilitation
and special needs housing issues in FY 2010-2011.
Numerous projects require the need to involve private developers, as well as non-profit
developers, in order to enhance affordable housing in the City. The EDA is able to develop
and implement agreements with developers and provide gap financing, construction
financing, and silent Second Deeds of Trust for first time homebuyer programs. This is used
in conjunction with the implementation of housing rehabilitation programs, grants for mobile
home parks, infill housing, senior housing, and new construction in order to provide
affordable housing opportunities in the City.
EDA also coordinates with the various City departments and divisions (Fire, Code
Enforcement, and Public Works), as well as nonprofit service providers to deliver the
programs and activities outlined in this Action Plan.
E. Priority Investment Plan
Table 3 summarizes the programs and activities the City of San Bernardino expects to
allocate federal funds and other resources to during fiscal year 2010-2011.
Action Plan: One Year Use of Funds
Page 4
City of San Bernardino
FY 2010-2011 Action Plan
Table 3 FY 2010111 Proposed Projects
Program Program Name Program Type Performance Dollars Fund Annual
# Measure/Outcome Tvoe Obiective
Code Compliance's Code Suitable 5,000
H-4 Neighborhood Enforcement Living/Sustainability $1,727,646 COBG properties
Revitalization (SL-3) inspected
Housing Decent
H-5 Homebuyer Education Housing/Availability $480,000 HOME 300 persons
Affordabiiity IDH-1\
Fair Housing/Landlord Decent
H.12 Fair Housing Housing/Availability $53,000 COBG 150 persons
Tenant Program (DH-1)
CO-1 Central City Lutheran Emergency $15,823 ESG 100 persons
Mission-Winter She~er Shelter
CO-1 Foothill AIDS Project Emergency $16,800 ESG 20 persons
Shelter
Frazee Community Emergency $12,000 COBG
CO-1 Center-Hot Meals Shelter $12,660 ESG 1,800 persons
Mary's Mercy Center. Emergency $15,000 COBG 4,458 units of
CO-1 Mary's Table Shelter $10,000 ESG assistance
Rehabilitation/ Emergency
CO-1 Renovation of $50,072 ESG 1 facility
Emeroencv Shelters Shelter
CO-1 Salvation Anny- Emergency $17,471 ESG 1,000 persons
Hosoitalitv House Sheiter
CO-2 Operation Grace Transitional $7,500 ESG 6 persons
Housino
Transitional $15,000 COBG
CO-2 Option House, Inc. Housing $10,000 ESG 300 persons
Time for Change Transitional Suitable Living/ $15,000 COBG
CO-2 Foundation Housing $10,000 ESG 65 persons
Availability (SL-1)
CO-5 AI Shifa Clinic, Inc. Hea~h Services $15,000 COBG 800 persons
CO-5 Assistance League of Health Services $12,000 COBG 400 persons
San Bemardino
CO-5 Inland AIDS Project Health Services $10,000 COBG 100 persons
CO.5 San Bemardino Medical Health Services $10,000 COBG 100 persons
Center
CO-6 Asian American Comprehensive $15,000 COBG 350 persons
Resource Center Services
CO-6 Home of the Neighborly Comprehensive $15,000 COBG 1,800 persons
Services Services
CO.7 Boys and Girls Club of Youth Services $5,000 COBG 1,000 youth
Redlands
CO-7 Boys and Girls Club of Youth Services $15,000 COBG 130 youth
San Bemardino
Central City Lutheran
CO-7 Mission-Plaza Youth Services $12,000 COBG 1,750 youth
Comunitaria
CO-7 Child Advocates of San Youth Services $12,000 COBG 180 youth
Bemardino County
Action Plan: One Year Use of Funds
Page 5
City of San Bernardino
FY 2010-2011 Action Plan
Table 3' FY 2010111 Proposed Projects
Program Program Name Program Type Performance Dollars Fund Annual
# Measure/Outcome Tvoe Obiective
CO-7 Children's Fund, Inc. Youth Services $12,000 CDBG 500 youth
Gang Reduction
CD-7 Intervention Team Youth Services $15,000 CDBG 40 youth
.IGRIT)
CD-7 Knotts Family and Youth Services $12,000 COBG 100 persons
Parentino Institution
CD-7 Project L~e Impact, Inc. Youth Services $10,000 CDBG 900 units of
assistance
CD-7 San Bernardino National Youth Services $15,000 CDBG 300 youth
Forest Association
CD-7 Santa Claus, Inc. Youth Services $10,000 CDBG 14,000 units of
assistance
CD-7 Sinfonia Mexicana Youth Services $10,000 CDBG 20 youth
CD-7 Sl. John's Community Youth Services $12,000 CDBG 120 youth
Success Center
CD-7 Youth Action Project Youth Services $15,000 CDBG 50 youth
CD-7 YMCA of San Youth Services $12,000 COBG 1,500 units of
Bernardino assistance
CD-8 Highland District Council Senior Services $15,000 COBG 4,500 units of
on Aoino assistance
CD-9 Legal Aid Society of San Legal Services $12,000 COBG 370 persons
Bernardino
Services for
CD-10 San Bernardino Sexual Victims of $12,000 CDBG 1,700 persons
Assault Services Domestic
Violence
CO-11 Lorine's Learning Child Care $10,000 CDBG 85 persons
Academy Services
1-1 Fire Equipment Leases Community $445,698 CDBG 1 lease
Facilities
1-2 Street and Street Infrastructure $464,417 CDBG 1 project
Liohtino
Grow San Bernardino Economic
ED-3 Fund SBA 7 A Loan Economic $50,000 CDBG 2 businesses
Prooram Development Opportunity/Availability
ED-6 Section 108 Loan Economic (EO-1) $410,000 CDBG 475 jobs upon
Reoavment Development comoletion
-- Other Pubiic Services Services Suitable Living/ $127,722 COBG --
AvailabililY ISL-1l
-- Unallocated Program - -- $53,000 COBG --
Continoencv
Community Housing
-- Development -- $254,757 HOME -
Oroanization (CHDO) Decent
-- CHOO Operations and -- HousinglAvailability $84,919 HOME --
Caoacity Buildino (DH-1)
- Other Housing - $708,870 HOME --
Proorams and Activities
-- COBG Planning and -- $210,000 CDBG -
Administration
Action Plan: One Year Use of Funds
Page 6
City of San Bernardino
FY 2010-2011 Action Plan
Table 3 FY 2010/11 Proposed Projects
Program Program Name Program Type Performance Dollars Fund Annual
# Measure/Outcome Tvpe Obiective
.. HOME Planning and - $169,838 HOME ..
Administration
- ESG Planning and - $7,911 ESG ..
Administration
Total FY 2010/11 Expenditures .. $5,748,104 .. ..
The funding amounts in Table 3 are based on estimates from Fiscal Year 2009-2010
allocations. As of March 2010, the Fiscal Year 2010-2011 allocations were not yet available.
The actual allocation amounts for Fiscal Year 2010-2011 could be revised by as much as 10
percent, according to HUD. Revisions to allocation amounts will adjust the objectives and
funding assumptions in this Action Plan.
The following summarizes the City's Strategic Plan priorities and identifies those FY 2010-
2011 activities that address these needs.
Priority; Preserve and Rehabilitate Existing Single-Family Dwellings
Program H-1: Mobile Home Grant Repair Program
Although the compact nature of mobile homes generally reduces maintenance costs, the
cost of maintenance as units age and deteriorate can overextend a lower or moderate
income household's budget. The Mobile Home Grant Repair Program, supported by the
Economic Development Agency and administered by NHSIE, provides grants up to $5,000
for mobile home repairs.
Five-Year Objective: Estimated 100 mobile homes to be rehabilitated over the next
five years, for an average of 20 units rehabilitated annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
FY 2010-11 Proposed Accomplishment: n/a
Program H-2: Single-Family Beautification Loan/Grant Program
The Single-Family Exterior Beautification Program assists homeowners who are occupying
their dwellings and whose incomes do not exceed 120 percent of the median income. The
program provides financial assistance of up to $15,000 to homeowners for exterior
improvements to their property. As a condition of receiving this assistance, property owners
are required to attend a "Preventative Maintenance" class conducted by one of the City's
local non-profit partners, Neighborhood Housing Services of the Inland Empire (NHSIE).
Five-Year Objective: Estimated 500 households to be assisted over the next five
years, for an average of 100 households assisted annually.
Funding: Redevelopment Set-Aside funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Action Plan: One Year Use of Funds
Page 7
City of San Bernardino
FY 2010-2011 Action Plan
Program H-3: Elderly/Special Needs Minor Repair Grant Program (Old Timers Grant)
The Old Timers Foundation, a local non-profit corporation, performs minor and emergency
home repairs for low income homeowners (80 percent and below median income). Repairs
cannot exceed $1,000 per housing unit. Seniors (60 years or older), disabled persons or
recipients of SSI are eligible for this program. Qualified repairs include: plumbing (i.e., sink
fixtures), replacing of doors, screens, and window glass, and minor electrical repairs.
Outreach for the program is conducted at various Senior Centers throughout the City, and
by word-of-mouth.
Five-Year Objective: Estimated 425 households to be assisted over the next five
years, for an average of 85 households assisted annually.
Funding: Redevelopment Set-Aside funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Priority: Improve Neighborhood Conditions through Code Enforcement and
Abatement of Dilapidated Structures
Program H-4: Code Compliance's Neighborhood Revitalization
As an older city, many of the City of San Bernardino's neighborhoods are experiencing signs
of decline. Many of the City's low income neighborhoods have higher incidents of code
violations. A number of factors influence this higher rate, including an older housing stock, a
lack of return on income investment, and lower income residents with limited resources for
housing maintenance. As a result, the Code Compliance Department has divided the City
into six revitalization areas that are located within low income census tracts. Two Code
Compliance officers are assigned to each of the following areas:
· Between West 14th Street on the north, West 13th Street on the east and North "K"
Street on the west, and the 1-215 Freeway on the east.
. West Baseline Street on the north, West 9th Street on the south, Western Avenue on
the west, and North Mt. Vernon on the east.
. 18th Street on the north, 13th Street on the south, North "D" Street on the west, and
North Sierra Way on the east.
. West King Street on the north, West Rialto Avenue on the south, North Mt. Vernon
Street on the west, and North "K" Street on the east.
. Between North Sierra Way on the north and West 40th Street on the south.
. Along the 1-215 Freeway between Lakewood Drive and Little Mountain Drive.
Code Compliance's Neighborhood Revitalization efforts work in concert with the
Redevelopment Agency's Housing Revitalization Programs and the Preventative
Maintenance and Homebuyer Education classes provided by Neighborhood Housing
Services of the Inland Empire (NHSIE), one of the City's local non-profit partners.
Action Plan: One Year Use of Funds
Page 8
City of San Bernardino
FY 2010-2011 Action Plan
In addition to conducting property inspections, Code Compliance strives to improve the
residential environment by demolishing the most blighted, substandard and hazardous
buildings. The focal point will be on buildings that have been vacant for an extended period
of time, have deteriorated and become a public nuisance and have lost their viability for
reuse.
Five-Year Objective: Estimated 25,000 properties to be inspected over the next five
years, for an average of 5,000 properties inspected annually.
FY 2010-11 Proposed Funding: $1,727,646 CDBG
FY 2010-11 Proposed Accomplishment: 5,000 properties inspected
Priority: Expand Homeownership Opportunities and Assist Homebuyers with the
Purchase of Affordable Housing
Program H-5: Homebuyer Education
Some new homebuyers and existing owners are not properly informed of the responsibilities
of homeownership and could greatly benefit from educational programs on credit, lending
and home maintenance topics. The City contracts with Neighborhood Housing Services of
the Inland Empire (NHSIE) to provide educational programs.
Five-Year Objective: Estimated 1,500 persons to be assisted over the next five
years, for an average of 300 persons assisted annually.
FY 2010-11 Proposed Funding: $480,000 HOME
FY 2010-11 Proposed Accomplishment: 300 persons
Program H-6: Homebuyer Assistance Program (HAP)
This program is designed to assist qualified first-time homebuyers with the purchase of a
home within the City limits. Eligible properties can include condominiums, town homes, and
single-family detached homes. The Homebuyer Assistance Program provides financial
assistance (of up to 20 percent of the purchase price) that may go towards down payment
and closing costs. The homes purchased under this program may be located in any census
tract in the City, as long as the dwelling is used as the homebuyer's principal residence and
the home remains affordable for a period of not less than forty-five (45) years.
Five-Year Objective: Estimated 250 households to be assisted over the nex1 five
years, for an average of 50 households assisted annually.
Funding: Redevelopment Set-Aside funds, Private funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Priority: Provide Rental Assistance and Preserve Existing Affordable Rental
Housing
Program H-7: Section 8 Housing Choice Voucher (HCV) program
Under the Section 8 HCV program, low income families receive rental assistance in the form
of a Voucher. Subsidy payments are made by the Housing Authority to property owners on
Action Plan: One Year Use of Funds
Page 9
City of San Bernardino
FY 2010-2011 Action Plan
behalf of the family. As of August 2009, there are 27,608 applicants on the Section 8 HVC
waiting list countywide.
Five-Year Objective: Estimated 2,250 households assisted annually.
Funding: Section 8
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Program H-B: Multi-Unit Rental Senior Projects
The Redevelopment Agency issued mortgage revenue bonds for the Highland Lutheran
Senior Center (50 housing units) in 1996. The Agency continues to service the annual debt
in order to ensure that not less than 50 percent of the units in this project are set-aside for
very low income seniors. The covenant remains in effect for 30 years.
Five-Year Objective: Continue to assist 50 households at the Highland Lutheran
Senior Center.
Funding: Section 8, Redevelopment Set-Aside funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Program H-9: Public Housing
The Housing Authority operates 684 units of conventional public housing in the City of San
Bernardino. The Housing Authority conducts annual inspections of its units to determine a
need for capital improvements under its Capital Fund program. As of August 2009, there
are 15,758 applicants on the waiting list for public housing countywide.
Five-Year Objective: Continue to assist 689 households annually through the public
housing program.
Funding: Public Housing Capital Fund
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Priority: Expand the Affordable Housing Inventory through New Construction
Program H-10: New Housing Development
The Redevelopment Agency fosters relationships with for-profit and non-profit housing
developers for the new construction of both market rate and affordable housing projects.
The Agency leverages its resources with private capital in order to develop quality affordable
homes for San Bernardino residents. The Agency will continue to pursue both rental and
ownership housing opportunities for households with incomes up to 120 percent MFI.
Specific projects have not yet been identified for the upcoming five-year planning period;
however, HOME funding was recently allocated to the Arroyo Valley Community Economic
Development Corporation for the construction of three new homes and a "Community
Garden" on Agency-Owned lots. The homes will be sold to income eligible home buyers
whose incomes do not exceed 80 percent MFI.
Five-Year Objective: Estimated 15 housing units to be constructed over the next
five years, for an average of 3 housing units constructed annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
FY 2010-11 Proposed Accomplishment: n/a
Action Plan: One Year Use of Funds
Page 10
City of San Bernardino
FY 2010-2011 Action Plan
Program H-11: Senior Housing Development
The City is committed to facilitating the development of new housing projects and
maintaining the quality of existing housing for low income seniors.
Five-Year Objective: Estimated 250 housing units to be constructed over the next
five years, for an average of 50 housing units annually.
Funding: Varies by project (see above for details)
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Priority: Eliminate Identified Impediments to Fair Housing through Education,
Enforcement, and Testing
Program H-12: Fair Housing/Landlord Tenant Program
The City contracts with the Inland Fair Housing Mediation Board to provide education,
dispute resolution, and legal advising services to San Bernardino owners, landlords, and
tenants in conflict.
Five-Year Objective: Estimated 750 persons to be assisted over the next five years,
for an average of 150 persons assisted annually.
FY 2010-11 Proposed Funding: $53,000 CDBG
FY 2010-11 Proposed Accomplishment: 150 persons
. Priority: Assist Homeless and Special Needs Populations with Supportive
Services
Program CD-1: Emergency Shelters
The City supports a number of non-profit agencies that operate emergency shelters for the
homeless. Emergency shelters provide the most basic needs of safe shelter and
nourishment, as well as drop-in services, counseling, medical treatment, transportation
assistance, referrals to mental health and social service agencies, and assistance with
finding appropriate permanent housing.
Five-Year Objective: Estimated 200,000 units of assistance to be delivered over the
next five years, for an average of 40,000 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
Central City Lutheran Mission: The Mission operates an annual winter shelter for
homeless men. It is currently the only place in the City of San Bernardino where homeless
men are welcomed for the evening. Funds will be used for operations and maintenance.
FY 2010-11 Proposed Funding: $15,823 ESG
FY 2010-11 Proposed Accomplishment: 100 persons
Action Plan: One Year Use of Funds
Page 11
City of San Bernardino
FY 2010-2011 Action Plan
Foothill AIDS Project: Housing Case Managers work with clients to develop an
individualized housing plan and a monthly budget that supports independent living in a
stable living environment. HOPWA services include: tenant-based housing (San Bernardino
County residents only), emergency hotel/motel vouchers, emergency rental and utility
assistance, and emergency permanent housing grants.
FY 2010-11 Proposed Funding: $16,800 ESG
FY 2010-11 Proposed Accomplishment: 20 persons
Frazee Community Center-Homeless Prevention and Hot Meals: Frazee operates three
emergency shelters for men. The Hot Meals program provides food for those who need it
and groceries for clients who have cooking facilities. Grocery items typically consist of
cereal, powdered milk, potatoes, rice, beans, canned fruits and vegetables and bread.
Hygiene items (tooth brushes, tooth paste, soap, shampoo, deodorant) are also distributed.
Bus passes are given for emergency needs, as funds permit and clothing is provided to
those who need.
FY 2010-11 Proposed Funding: $12,000 CDBG; $12,660 ESG
FY 2010-11 Proposed Accomplishment: 1,800 persons
Mary's Mercy Center-Mary's Table: Mary's Table is a ministry of Mary's Mercy Center and
is in its 20'h year of continuous service to the community of San Bernardino. It is a Hot Meal
Kitchen that is open six days a week. Mary's Table offers hot meals, weekly food bags,
showers four days a week, hygiene packets and clothes. The program also offers
emergency infant needs, bus tickets/passes, referrals, and an annual Christmas Eve Party.
FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG
FY 2010-11 Proposed Accomplishment: 4.458 units of assistance
Rehabilitation/Renovation of Emergency Shelters: This program will provide funding for
some much needed rehabilitation of the City's emergency shelters.
FY 2010-11 Proposed Funding: $50,072 ESG
FY 2010-11 Proposed Accomplishment: 1 facility
Salvation Army-Hospitality House: Hospitality House is an emergency shelter for
homeless families and for mothers with children. During winter months, the shelter also
accommodates homeless men. The facility has a total capacity of 70 beds and offers a 14-
day emergency stay.
FY 2010-11 Proposed Funding: $17,471 ESG
FY 2010-11 Proposed Accomplishment: 1,000 persons
Program CD-2: Transitional Housing
Transitional shelters provide housing and needed resources (i.e., job training, money
management, alcohol and drug rehabilitation, parenting classes, counseling) to help
individuals and families re-establish independent living. These facilities also assist clients
with finding permanent housing.
Action Plan: One Year Use of Funds
Page 12
City of San Bernardino
FY 2010-2011 Action Plan
Five-Year Objective: Estimated 75,000 units of assistance to be delivered over the
next five years, for an average of 15,000 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
Operation Grace: This program provides assistance in finding housing for low income
women and families. The facility has a capacity of 5 beds.
FY 2010-11 Proposed Funding: $7,500 ESG
FY 2010-11 Proposed Accomplishment: 6 persons
Option House, Inc.: Option House provides services to female victims of domestic violence
and their children. Option House is organized to promote the health, safety and rights of
victims of family violence; and to promote the education of the community by: 1) providing
24-hour emergency crisis intervention, temporary emergency shelter, food, clothing and
support services to victims of family violence; 2) providing transitional housing to promote an
independent and productive lifestyle to female violence and their children; and 3) providing
community awareness of the widespread incidence of family violence through education and
training programs.
FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG
FY 2010-11 Proposed Accomplishment: 300 persons
Time for Change Foundation: Time for Change foundation provides transitional housing
and reentry services to women who are homeless, ex-offenders and recovering from
physical and substance abuse. These services are provided in a sober living environment
that is conducive to establishing a healthy, drug free, crime free and positive lifestyle.
Residents receive daily meals, job search assistance, assistance with legal documentation,
referral to limited free health services and other publiC social services to assist them with job
training and development skills.
FY 2010-11 Proposed Funding: $15,000 CDBG; $10,000 ESG
FY 2010-11 Proposed Accomplishment: 65 persons
Program CD-3: Rental Assistance Program
The Rental Assistance Program is provided to individuals and/or families who must vacate
their substandard and unsafe housing unit. The property owners are required to bring their
housing units into compliance and their properties are inspected to ensure compliance.
Under the Rental Assistance Program, the Redevelopment Agency assists the evacuated
families with the required first month's rent and security deposit. The replacement rental unit
must be in sound, sanitary, and safe condition and pass a City inspection.
Five-Year Objective: Estimated 650 households to be assisted over the next five
years, for an average of 130 households assisted annually.
Funding: Redevelopment Set-Aside funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Program CD-4: Utility Assistance Program
Action Plan: One Year Use of Funds
Page 13
~.,.~~_._~.~.._. ,-- '.- "-'-'~'-_.,'~-.._--_.._'~'-"----
City of San Bernardino
FY 2010-2011 Action Plan
Many lower and moderate income households must defer utility payments or avoid using
utilities to afford critical items like health care and mortgage payments. The Utility
Assistance Program assists San Bernardino City households that are at 50 percent of MFI
with the cost of utilities.
Five-Year Objective: Estimated 1,000 households to be assisted over the next five
years, for an average of 200 households assisted annually.
Funding: Redevelopment Set-Aside funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Program CD-5: Health Services
Lower income households often lack access to quality affordable health care. The City funds
a variety of agencies that provide free or low cost medical services for lower income San
Bernardino residents.
Five-Year Objective: Estimated 7,500 units of assistance to be delivered over the
next five years, for an average of 1 ,500 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
AI Shifa Clinic, Inc.: The AI Shifa Clinic provides psychosocial, medical, dental and some
specialty care services, free of charge, to the indigent and underserved without regard to
religion, ethnicity, and/or gender through a network of dedicated volunteer physicians,
dentists, and specialists. Services include: Primary Care, Internal Medicine, Family
Practice, Cardiology, Pulmonary, Women's Health, Pediatrics, gynecology, Health
Education, and Lab Services. The Clinic also provides dental services, such as dental
hygiene services, clinical exam/medical history, dental x-ray, preventive dental care
education, teeth cleaning and polishing, and fluoride treatment.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 800 persons
Assistance League of San Bernardino-Children's Dental Center: The Dr. Earl R. Crane
Children's Dental health Center is a non-profit organization dedicated to serving the children
of San Bemardino since 1948. The Children's Dental Center provides complete
professional dental services to the children of low to very low income families in the San
Bernardino City Unified School District who do not have dental insurance and are not
receiving public assistance. These families often have no other access to dental services.
Patients pay only $25 per visit, but no qualified patients are ever turned away because of
inability to pay. Each patient receives nearly $250 worth of dental work at each visit.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 400 persons
Inland AIDS Project: Established in 1983, the Inland AIDS Project (lAP) was the first non-
profit to provide support services for residents of San Bernardino living with AIDS/HIV.
TOday lAP administers mental health, substance abuse, food, housing, case management,
and health programs for men, women, children and families.
Action Plan: One Year Use of Funds
Page 14
City of San Bernardino
FY 2010-2011 Action Plan
FY 2010-11 Proposed Funding: $10,000 CDBG
FY 2010-11 Proposed Accomplishment: 100 persons
San Bernardino Medical Center-Pre and Post Natal Diabetic Clinic: The Pre and Post
Natal Diabetes Clinic partners with the Diabetes Health Center as an affiliate of the
California Diabetes and Pregnancy Program. The Program is designed to improve
pregnancy outcomes for women who have diabetes during pregnancy and after birth
through education. Health Care professionals are on-hand to provide supportive and
complimentary services to ensure that women and children obtain and retain quality health.
FY 2010-11 Proposed Funding: $10,000 CDBG
FY 2010-11 Proposed Accomplishment: 100 persons
Program CD-6: Comprehensive Service Centers
Lower income families and individuals can benefit from a variety of supportive services.
Comprehensive service providers offer a range of programs that assist clients with their
various transportation, nutrition, technology, childcare and education needs.
Five-Year Objective: Estimated 175,000 units of assistance to be delivered over the
next five years, for an average of 35,000 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
Asian American Resource Center: The Asian American Resource Center provides City of
San Bernardino residents with English as a Second language (ESL) and Job Training
services to enhance their lives and create productive residents. The ESUcivic and Job
Training serves all populations but it speCifically designed to meet the basic linguistic and
acculturation needs of immigrant families who are underserved, isolated, and whose basic
goal is to build a better future.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 350 persons
Home of the Neighborly Services: The Home of Neighborly Services provides positive
cultural, recreational and educational experiences for individuals and families located within
the City of San Bernardino. The center provides activities such as Girts and Boys Scouts,
dance, boxing, aerobics and sewing. The center also has After School Learning Center
where children are provided with tutoring and homework assistance.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 1,800 persons
Program CD-7: Youth Services
It is important for the young people of the City of San Bernardino to have the opportunity to
engage in activities that enable them to develop self-esteem and reach their full potential.
The City will use CDBG funds to support the following types of youth services and activities:
. Character and leadership development
Action Plan: One Year Use of Funds
Page 15
City of San Bernardino
FY 2010-2011 Action Plan
. Education and career development
. Health and life skills
. The arts
. Sports, fitness and recreation.
Five-Year Objective: Estimated 20,000 units of assistance to be delivered over the
next five years, for an average of 4,000 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
Boys and Girls Club of Redlands-Waterman Gardens: For over forty years the Boy's &
Girts Club of Redlands has been working with young people from disadvantaged economic,
social and family circumstances. The Club, located at Waterman Gardens in San
Bemardino, is dedicated to ensuring that disadvantaged youngsters have greater access to
quality programs and services that will enhance their lives and shape their futures. The
Club serves the community by providing access to a broad range of programs in the five
core areas of Character and Leadership Development, Education and Career Development,
Health and Life Skills, The Arts, and Sports, Fitness and Recreation.
FY 2010-11 Proposed Funding: $5,000 CDBG
FY 2010-11 Proposed Accomplishment: 1,000 youth
Boys and Girls Club of San Bernardino: For over forty years, the Boys and Girls Club of
San Bernardino has been in the forefront of youth development, working with young people
from disadvantaged economic, social and family circumstances. The Club has sites in
several areas and actively works to enrich the lives of girls and boys. The Club is dedicated
to ensuring that our community's disadvantaged youngsters have greater access to quality
educational enhancement and life skills enriching programs and services that will enhance
their lives and shape their futures. Program provides comprehensive mentoring and tutoring
designed to further enhance the math, reading, and writing skills of children in grades K
through 12.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 130 youth
Central City Lutheran Mission-Plaza Comunitaria: This program targets bilingual Latino
youth (0-18 yrs) coming from mono-lingual homes, CCLM's Plaza Comunitaria will develop
bridges for dialogue assisting monolingual homes to develop parenting skills, increase
school retention, improve diets and reduce engagement with the juvenile justice system.
Workshops, cultural events, after school tutoring programs and youth events during non-
traditional hours will provide opportunities for families to have common social times, support
groups and provide youth with safe social spaces for seeking guidance and support.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 1,750 persons
Child Advocates of San Bernardino County: Child Advocates of San Bernardino County
is a CASA (Court Appointed Special Advocates) organization that advocates on behalf of
abused children by: 1) appointing CASA volunteers to serve as a consistent and stable
Action Plan: One Year Use of Funds
Page 16
City of San Bernardino
FY 2010-2011 Action Plan
presence for foster youth who are too often overwhelmed by a rotating cast of caseworkers,
foster parents, clinicians, and other professionals; 2) Providing connections to other
resrouces for academic assistance, job skills and training, faith institutions, counseling and
legal support; 3) Being a positive role model - helping the youth form healthy relationships
with adults they trust; 4) Advocating in the court room, educational, and health care
systems; and 5) Bringing a source of happiness into the youth's life that can foster normalcy
in childhood experiences.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 180 youth
Children's Fund, Inc.: Children's Fund's mission is "to ensure that at-risk children who are
abused, neglected, impoverished, or abandoned receive adequate food, shelter, clothing,
medical care and education". The Daily Referral program is the engine through which
Children's Fund meets the emergency needs of at-risk youth. The program receives
requests from case managers and social workers in behalf of at risk children. As a safety
net, Children's Fund provides vital services that are not immediately available from other
County or community agencies.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 500 youth
Gang Reduction Intervention Team (GRIT): The Gang Reduction Intervention Team's
(G.R.I.T.) provides Interaction/Awareness Classes & Upward Bound Reentry Training.
Classes are 14-weeks, two-hour classes, twice a week. Topics include: Anger
ManagemenJ, Gang Intervention, Life Skills, Intuitional Debriefing, Sexually Transmitted
Disease, Realities of Prison Life, Weapons Diversion, Drug & Alcohol Awareness, Teen
Pregnancy Prevention & Education and Cardio Pulmonary Resuscitation Training &
Certification. Enrichment trips provided range from visiting a DJJ Correctional Facility, local
Universities, beaches and mountains. The Upward Bound Reentry component is initiated
within the Herman G. Stark Youth Correctional Facility in Chino California. This is a six
month commitment ordered by the DJJ Parole Board prior to the youth being released.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 40 youth
Knotts Family and Parenting Institution-Mentor A Life: The Mentor A Life program is
designed to connect individuals who can provide positive and healthy relationships. These
relationships will assist at-risk youth with the development of behavior change, life, social
and interpersonal skills. The program assists foster youth in achieving excellence and
becoming citizens that contribute positively to society.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 100 persons
Project Life Impact, Inc.: Project Life Impact's After School Impact (ASI) program provides
safe and supervised after school programs for students from K-12'h grade. Project Life
Impact is an official CAPS Program Provider for the San Bernardino City Unified School
District. The organization services students from three elementary schools and two high
schools. Students receive a nutritious snack and are provided with daily homework support.
The program promotes academic achievement in curricular areas, increases daily student
Action Plan: One Year Use of Funds
Page 17
City of San Bernardino
FY 2010-2011 Action Plan
attendance rates, reduces student suspension and expulsion rates and develops both
positive student behavior and cooperative skills.
FY 2010-11 Proposed Funding: $10,000 CDBG
FY 2010-11 Proposed Accomplishment: 900 units of assistance
San Bernardino National Forest Association: The overall goal of the San Bernardino
National Forest Association's Urban Youth Conservation Corps is to prevent and/or
intervene early in drug and gang violence among at-risk youth (ages 15 through 19 years
old) who live within the City of San Bernardino. This is achieved through weekly job
readiness training and paid conservation work activities in the community, as well as on the
National Forest.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 300 youth
Santa Claus, Inc.: Santa Claus, Inc. provides new toys, clothing, books, and quality
educational materials for over 14,000 local underprivileged children at Christmas. Eligible
parents are identified as families of the working poor primarily by the San Bernardino Unified
School District. Invitations are sent to parents to "shop for free" at its warehouse.
FY 2010-11 Proposed Funding: $10,000 CDBG
FY 2010-11 Proposed Accomplishment: 14,000 units of assistance
Sinfonia Mexicana: The Academy offers an extracurricular musical education to middle and
high school students. These mariachi music classes are taught by professional and student
instructors at the Sinfonia Mexicana Mariachi Academy. The Academy presents quality
traditional mariachi music and fosters the development of original musical work. In addition
to teaching musical skills, this program also emphasizes the importance of a higher
education and fosters strong leadership skills among its participants.
FY 2010-11 Proposed Funding: $10,000 CDBG
FY 2010-11 Proposed Accomplishment: 20 youth
St. John's Community Success Center-Project Safe Space: Project Safe Space offers a
safe site where children can come together, explore new crafts and skills, and develop
positive social skills supervised by caring adults. Safe space offers supervised activities for
off track and vacationing students of all ages. Students focus on physical activities both
inside and outside. Physical activities include tether ball, badminton, bocce balls; ping pong,
hula hoops, group games; quiet activities are board games, reading, videos, yarn work, and
a craft room where paint, paper, simple projects, chalk, play dough and a piano invite
children to use their imaginations. Children are encouraged to help plan activities such as
crafts, cooking projects, and theme days.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 120 youth
Youth Action Project: Youth Action Project works to empower San Bernardino's youth by
providing opportunities that allow youth and young adults to develop the skills and habits
needed to experience economic and social successes. Youth Action Project trains 50
AmeriCorp volunteers who in turn provide tutoring and coaching to local high school
Action Plan: One Year Use of Funds
Page 18
City of San Bernardino
FY 2010-2011 Action Plan
students needing extra assistance to pass the California High School Exit Exam.
Additionally, members facilitate workshops and community-benefit projects.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 50 youth
YMCA of San Bernardino: The YMCA offers financial assistance for programs offered at
the YMCA for families in the community that cannot afford to pay for such programs. The
YMCA will focus on the healthy lifestyle for the community by offering sports, fitness,
aquatics and aflerschool programs for those who live in the City of San Bernardino. Adult
classes include: open lap swim, water aerobics, swim lessons, fitness center, yoga, and
karate. Senior classes include: aqua gym, water aerobics, silvershplash, twinges and
hinges, open lap swim, fitness center, yoga/tai chi, country line dancing, and yoga stretch.
Youth classes include: swim lessons, bymnastics, karate, dance, t-ball, soccer, basketball,
and preschool site.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 1,500 units of assistance
Program CD-B: Senior Services
Seniors are some of the City's most vulnerable residents. The County will use CDBG funds
to support the following types of senior programs and services:
. Transportation assistance
. Nutrition and meal programs
. Recreational, educational and social opportunities
. Information and referral services
Five-Year Objective: Estimated 4,500 units of assistance to be delivered over the
next five years, for an average of 900 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
Highland District Council on Aging-Senior Center: The Highland Senior Center is a very
large and active senior center that provides a wide variety of Social, Educational, Physical,
Nutritional and Transportation services to the senior population of the City of San
Bernardino.
FY 2010-11 Proposed Funding: $15,000 CDBG
FY 2010-11 Proposed Accomplishment: 4,500 units of assistance
Program CD-9: Legal Services
Every San Bernardino resident is guaranteed access to the judicial system and has certain
rights and privileges that are recognized and protected regardless of ability to pay. Access
to legal services empowers clients by giving them the tools; i.e., the legal documents and
procedural information, needed to seek solutions through court orders. These services
improve the lives of clients by helping them resolve domestic dispute, seek financial stability,
Action Plan: One Year Use of Funds
Page 19
City of San Bernardino
FY 2010-2011 Action Plan
and access the healthcare, dental, and developmental services needed for themselves and
their minor dependents.
Five-Year Objective: Estimated 1,750 units of assistance to be delivered over the
next five years, for an average of 350 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
Legal Aid Society of San Bernardino: Legal Aid provides free access to justice for the
area's most unfortunate residents, families barely subsisting, who would otherwise have no
means of legally resolving conflicts as to parental rights, child custody, visitation, and
support or restraining orders. Legal Aid offers residents access to legal counsel, document
preparation for family law, guardianship and conservatorship actions, education, and
procedural assistance at each step of the legal process. Through this program, clients are
educated on their rights and responsibilities. They are able to make more informed
decisions, to take legal action to resolve conflicts, and to take proactive steps toward a more
self-reliant, stable home life.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 370 persons
Program CD-10: Services for Victims of Domestic Violence
Victims of domestic violence often require a variety of supportive services before they can
transition back to living independent, self-sufficient lives. These services include immediate
crisis intervention, follow-up services, one on one counseling, accompaniment and
advocacy services.
Five-Year Objective: Estimated 1,000 units of assistance to be delivered over the
next five years, for an average of 200 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
San Bernardino Sexual Assault Services: San Bernardino Sexual Assault Services core
programs provide understanding and support to victims of sexual assault/domestic violence
through immediate crisis intervention, one-on-one counseling, hospital/court
accompaniment, and advocacy services.
FY 2010-11 Proposed Funding: $12,000 CDBG
FY 2010-11 Proposed Accomplishment: 1,700 persons
Program CD-11: Child Care Services
All families with children, regardless of income, deserve an opportunity to work and attend
school with the assurance that their children are in a safe and comfortable learning
environment. Quality affordable child care is therefore a critical need for all families in San
Bernardino, especially for single-parent households whose child care options are more
limited. The City will use CPD funds to support programs that provide children with a high
quality developmental program, one that teaches skills that go beyond learning to read and
Action Plan: One Year Use of Funds
Page 20
City of San Bernardino
FY 2010-2011 Action Plan
write at an early age, and a stimulating environment that offers opportunities to explore,
create, examine and question without concern for judgment, disapproval or criticism.
Five-Year Objective: Estimated 10,000 units of assistance to be delivered over the
next five years, for an average of 2,000 units of assistance annually.
Specifically, the City will provide financial support to the following service providers during
FY 2010-2011:
Lorine's Learning Academy: Lorine's Learning Academy provides a day care center that
services infants, pre-schoolers and elementary school children. The Academy is located in
a residential area, in proximity to it participants, where parents can make one stop in the
morning and drop off their children.
FY 2010-11 Proposed Funding: $10,000 CDBG
FY 2010-11 Proposed Accomplishment: 85 children
Priority: Improve and Expand Community Facilities and Infrastructure to Meet
Current and Future Needs
Program 1-1: Fire Equipment Leases
The City of San Bernardino Fire Department serves a resident population of approximately
202,000 and covers a diverse service area of 59.3 miles. This service area covers
approximately 19 miles of wild land interface area, a major rail yard, an intemational airport,
the County Seat, a jail, two major mall complexes, and three major interstate freeways (10,
215 and 210). Currently, the Department staffs twelve fire engine companies, two aerial
truck companies, one heavy rescue, five 4-wheel drive brush engines, one hazardous
material response rig and one medic squad housed in twelve stations throughout the City.
Fire Stations No. 221, 222, 224, 229, and 231 serve the City's low and moderate income
areas (Figure 1). The City will use CDBG funds for the payment of fire equipment leases
that serve the low and moderate income areas.
Five-Year Objective: Continue to support fire services for low- and moderate-
income areas.
FY 2010-11 Proposed Funding: $445,698 CDBG
FY 2010-11 Proposed Accomplishment: Payment of 1 fire equipment lease for
low- and moderate-income areas.
Program 1-2: Street and Street Lighting
Street and street lighting projects include efforts to extend and widen streets, street
resurfacing, construction of curbs, gutters, sidewalk, handicap ramps, bikeways, right of way
acquisition and street lighting systems. Since the City does not have sufficient funding to
complete all of the projects identified in its CIP, there is no way to guarantee which projects
will be funded and ultimately completed. The following is a list of potential Street and Street
Lighting projects that may be completed in the upcoming five-year Consolidated Plan period
within the low and moderate income areas:
. Accessibility Improvements at various locations
Action Plan: One Year Use of Funds
Page 21
City of San Bernardino
FY 2010-2011 Action Plan
. Street Safety Improvements at various locations
. Pavement Rehabilitation at various locations
. Bus Stop Concrete Pads at various locations
. Grade Separation at various locations
. Street Widening at various locations
. Streetlight Poles and Electric Systems Replacement at various locations
. Traffic Calming Measures at various locations
. New Road Construction at various locations
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
FY 2010-11 Proposed Funding: $464,417 CDBG
FY 2010-11 Proposed Accomplishment: 1 project
Action Plan: One Year Use of Funds
Page 22
Figure 1: Low-Mod Fire Service Areas
City of San Bernardino
FY 2010-2011 Action Plan
City of San Bernardino
Low-Mod Fire Service Areas.
- . --
I 'I
!
-'-.
I
I
~-_.,.-: I',
_.... i
/'j
.........-.......
-.-.....
\
.
\
r"..\UhO~lo''''''f''''U'
.'
\\~HOI"
_'ft
(l>"'~
'.........,..
76&U
'\ftW
..-
U'lf>~
Illl'A.
JIl.1'J'..
11'''4
,.S'...
,..,,,
""'.
107I'1l-
1697'A.
.:;'-'::~:':.:':." .-
111 -"ootJIln....""
112 11'01 w...,g,t> S"U,
III lUI"'''t:~'MIl,('''{fN..,n"...
n. MI...'....~f~'....l
n\ If><<lC.."">lIDnv<,
IlL "lllDoI~o...
211 1Ilw"'"'''S:.....1
228 U'.il!f'io,hI.oI>d
11'J }OJ,,"""......................
1ll.V1IIlo01S....._"..,ad"....,.."../1~SSI..'.....d.._W3,
III ..\oOry~'bIIrW3'
Hl 6O'.S"'''~'''A.........
r ~
-
,-
11.--
fI_'....
--
....
.,
--
--
--
-..
- -
\,
"
.."
i 1 i
...----
---
i
i / '\
"/ ..
N
A
"',
"
,
-..-..---.
Action Plan: One Year Use of Funds
Page 23
City of San Bernardino
FY 2010-2011 Action Plan
Program 1-3: Sewer
Sewer projects include efforts to increase system capacity for new users, replace aging or
obsolete systems and meet new regulatory requirements. Since the City does not have
sufficient funding to complete all of the projects identified in its CIP, there is no way to
guarantee which projects will be funded and ultimately completed. The following is a list of
potential sewer projects that may be completed in the upcoming five-year Consolidated Plan
period within the low and moderate income areas:
. Sewer Main Extensions at various locations
. Sewer Manhole Rehabilitation at various locations
. Sewer Siphon Flushing at various locations
. Sewer Main Replacement at various locations
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
FY 2010-11 Proposed Accomplishment: n/a
Program 1-4: Storm Drain
Storm drain projects include efforts to install new storm drain systems (per the City's
Comprehensive Storm Drain Master Plan) and replace aging or obsolete systems. Since the
City does not have sufficient funding to complete all of the projects identified in its CIP, there
is no way to guarantee which projects will be funded and ultimately completed. The following
is a list of potential Storm Drain projects that may be completed in the upcoming five-year
Consolidated Plan period within the low and moderate income areas:
. Storm Drain Installation and Rehabilitation at various locations
. Storm Drain Realignment at various locations
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
FY 2010-11 Proposed Accomplishment: n/a
Program 1-5: Traffic Control
Traffic control projects include efforts to install new traffic signals, add traffic striping, and
replace aging or obsolete traffic control systems. Since the City does not have sufficient
funding to complete all of the projects identified in its CIP, there is no way to guarantee
which of the projects will be funded and ultimately completed. The following is a list of
potential Traffic Control projects that may be completed in the upcoming five-year
Consolidated Plan period within the low and moderate income areas:
. Traffic Signal Upgrades at various locations
. Traffic Signal Interconnections and Synchronization at various locations
. Bike Path Installations at various locations
. Traffic Signal Installations at various locations
. Upgrade to Fluorescent Signs at various locations
Action Plan: One Year Use of Funds
Page 24
City of San Bernardino
FY 2010-2011 Action Plan
. Installation of Solar-Powered Speed Signs at various locations
. Installation of Pedestrian Signals at various locations
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
FY 2010-11 Proposed Accomplishment: n/a
Program 1-6: Parks and Recreation
Parks and recreation projects include the maintenance and upgrade of parks, game courts
and fields, fielding lighting, recreation buildings, Park's restroom buildings and playground
equipment. Since the City does not have sufficient funding to complete all of the projects
identified in its CIP, there is no way to guarantee which of the projects will be funded and
ultimately completed. The following is a list of potential Parks and Recreation projects that
may be completed in the upcoming five-year Consolidated Plan period within the low and
moderate income areas:
. Tree Plantings at various locations
. Replacement of Equipment at various Community Centers
. Design and Engineering Services at various locations
. Expansion and Renovations at various Senior Centers
. Soccer Field Construction at various locations
. Restroom Renovations at various locations
. Fencing and Lighting Upgrades at various locations
. Concrete and Lighting Installations at various locations
. Hiking and Exercise Trail Construction at various locations
. Irrigation System upgrades at various locations
Five-Year Objective: Estimated 5 projects to be completed over the next five years,
for an average of 1 project completed annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
FY 2010-11 Proposed Accomplishment: n/a
Priority: Promote Economic Development and Employment Opportunities for low
and moderate income households
Program ED-1: San Bernardino Library Literacy Program
The San Bernardino Library Literacy Program provides free, individualized literacy services
and materials to residents in a non-threatening, confidential, student-centered environment,
in order to equip participants with life-long learning skills and prepare them for personal,
family, career and community success. One-on-one tutoring and small group sessions are
offered by trained volunteers to qualified adult leamers in areas of basic reading, math,
spelling and computer literacy.
Five-Year Objective: Estimated 250 persons to be assisted over the next five years,
for an average of 50 persons assisted annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
Action Plan: One Year Use of Funds
Page 25
City of San Bernardino
FY 2010-2011 Action Plan
FY 2010-11 Proposed Accomplishment: n/a
Program ED-2: Inland Empire Small Business Financial Development Corporation
(IESBFDC) Loan Guarantee Program
The Loan Guarantee Program is designed to assist small businesses that need additional
support in the form of a guarantee to induce a lender to lend. The program places special
emphasis on women and minority-owned businesses, as well as businesses located in
designated enterprises zones. To be eligible, business must (1) be unable to obtain
financing without the guarantee, and (2) demonstrate repayment ability with adequate
collateral support. Guarantees can be issued on short term loans, revolving and contract
lines of credit, term loans for asset purchases, purchases of existing businesses, or for
establishing a new business.
Five-Year Objective: Estimated 25 businesses to be assisted over the next five
years, for an average of 5 businesses assisted annually.
FY 2010-11 Proposed Funding: No funding allocated for FY 2010-11
FY 2010-11 Proposed Accomplishment: n/a
Program ED-3: Grow San Bernardino Fund SBA 7A Loan Program
The SBA 7A-Grow America Fund Program provides loans to small businesses. This
program is available countywide and can provide 100 percent financing for up to $1 million.
The program provides long-term, fixed-rate financing which may be utilized for property
acquisition, construction, building renovations or leasehold improvements, debt refinancing,
capital equipment and working capital. Repayment ability from cash flow of the business is a
primary criterion in the loan evaluation, but good character, management capability, and
collateral are also important considerations. Eligible business must demonstrate at least
three years of profitable operation, good liquidity, and a satisfactory debt-to-equity ratio.
Five-Year Objective: Estimated 10 businesses to be assisted over the next five
years, for an average of 2 businesses assisted annually.
FY 2010-11 Proposed Funding: $50,000 CDBG
FY 2010-11 Proposed Accomplishment: 2 businesses
Program ED-4: Business Incentive & Downtown Revitalization/ Fa~ade Program
The Business Incentive Grant Program assists business owners, tenants, and property
owners to enhance the "curb appeal" of their business storefront by providing funds to
complete exterior improvements. The program also provides grants to help business owners
retain their current employment levels or expand their current employment levels. The
program offers grants reimbursements that are not-to-exceed $10,000. The applicant will be
required to match this grant dollar for dollar and will be reimbursed at the completion of all
pre-approved improvements.
Five-Year Objective: Estimated 125 businesses to be assisted over the next five
years, for an average of 25 businesses assisted annually.
Funding: Redevelopment Set-Aside funds, Private funds
FY 2010-11 Proposed Accomplishment: No speCific accomplishment identified
Program ED-5: Utility User's Grant Program
Action Plan: One Year Use of Funds
Page 26
City of San Bernardino
FY 2010-2011 Action Plan
The Business Utility User's Tax Rebate Program rewards new and expanding businesses
who create jobs, increase sales tax revenues, or increase property values by refunding a
percentage of the City's utility taxes paid on electrical, gas, cable, and telephone services to
operate their businesses.
Five-Year Objective: Estimated 10 businesses to be assisted over the next five
years, for an average of 2 businesses assisted annually.
Funding: Redevelopment funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Program ED-6: Section 10B Loan Repayment
In 2006, the City, its Redevelopment Agency, and HUD executed Section 108 loan
documents for an award of $7.5 million. The loan was utilized for the acquisition of 22
blighted and socially problematic four-plex apartment dwellings in the North Arden Guthrie
Area. Together with other redevelopment funds of approximately $7.5 million, tenants have
now been relocated into safe and sanitary housing, the structures demolished, and the land
will be made available to a master developer (Home Depot) for the purpose of constructing
a retail commercial center.
The City is currently renegotiating a HUD Section 108 Loan for the 20-Plex movie theater
(formerly known as the CinemaStar) in the amount of $9 million to repay the original HUD
108 Loan of $4.6 million and provide necessary funds for new technology upgrades and
remodeling by Maya Cinemas North America, Inc. The Project will include: new furniture
and fixtures, carpeting, tile, counter-tops, paintwork, new seating, new digital projectiol)
equipment, movie screens and sound equipment, correction of American with Disabilities
Act deficiencies, expansion of the main lobby and installation of equipment and expansion of
one I-Max auditorium. The term of the Section 108 financing will be seven years with
interest only payments.
Five-Year Objective: Estimated 475 jobs createdlretained upon completion of
projects.
FY 2010-11 Proposed Funding: $410,000 CDBG
FY 2010-11 Proposed Accomplishment: 475 jobs created/retained upon
completion of projects.
Program ED-7: California Theatre
The Redevelopment Agency owns and contracts out the maintenance of the Historic
California of the Performing Arts Theatre (the "Theatre"). The Agency is currently in the
process of conducting a series of renovation improvements for the Theatre. The
improvements include, but are not limited to the following items: installation of a fire
protection sprinkler system, structural support system for front entry and installation of a pull
pipe system. This project will facilitate the creation, promotion, and retention of over 1,400
employment opportunities.
Five-Year Objective: Estimated 1,400 jobs created/retained upon completion of
renovations.
Funding: Redevelopment funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
Action Plan: One Year Use of Funds
Page 27
City of San Bernardino
FY 2010-2011 Action Plan
Program ED-B: Redevelopment Agency Activities
The Agency undertakes numerous marketing activities designed to enhance the image of
the community and attract new development expanding both employment opportunities and
the tax base. Activities include the production of print marketing materials, advertising and
public relations activities in the printed media, representation of the Agency at targeted trade
shows and exhibitions and the production of a weekly, business oriented, television show
targeted towards the business community.
Five-Year Objective: Estimated 2,500 jobs created/retained over the next five years,
for an average of 500 jobs created/retained annually.
Funding: Redevelopment funds
FY 2010-11 Proposed Accomplishment: No specific accomplishment identified
F. Planning and Administration
During the upcoming five-year Consolidated Plan period, the City will continue to administer
the CDBG, HOME and ESG programs in compliance with program regulations and
requirements. Up to 20 percent of CDBG funds can be used by the City to support the
general administration of the CDBG program.
G. Lead Based Paint Reduction Strategy
The City's Lead Based Paint Hazard Reduction Strategy can be summarized as follows: (1)
Coordinating public and private efforts to reduce lead-based paint hazards and protect
young children; (2) Integrating lead hazard evaluation and reduction activities into existing
housing programs; (3) Public awareness through educational materials and programs; and
(4) Education and advocacy and (5) lead base eradication to the extent finances are
available.
The City currently integrates lead hazard evaluation and reduction activities into existing
housing inspection and rehabilitation programs. The Economic Development Agency (EDA)
provides referrals to and works cooperatively with the County's Lead-Based Paint Removal
Program to coordinate efforts to reduce lead-based paint hazards through testing. The
County also receives funds from the State Department of Community Services for the
development of education and to raise awareness of lead-based paint. Additionally,
educational materials are provided to residents through the San Bernardino Redevelopment
Agency's Rehabilitation Program, which informs residents of lead hazards, as well as how to
get tested, report, and remove the hazard. The Agency is also remediating and stabilizing
80 percent of rehabilitated properties by the removal or encapsulation of lead-based paint.
Action Plan: One Year Use of Funds
Page 28
City of San Bernardino
FY 2010-2011 Action Plan
H. Overcoming Barriers to Affordable Housing
The City recently undertook a major effort to eliminate constraints, with respect to land use
regulations, by developing and adopting a new Zoning Code that unified and simplified the
City's development regulations and processes. That effort was followed by a reorganization
of the City to unify the various development-related departments into a single Development
Services Department and a one-stop permit counter.
Moreover, the City is in the process of making the following additional amendments to the
Municipal Code in order to further reduce barriers to affordable housing:
Corridor Improvement Program
The City wi" facilitate investment and intensification along its underutilized corridors by
codifying the development and lot consolidation incentives proposed in the General Plan
Land Use Element Corridor Improvement Program. The four Corridor Strategic Areas,
Mount Vemon, E Street, Baseline, and Highland, are generally characterized by
underperforming strip commercial, vacant or underutilized parcels, deteriorating structures,
and inconsistent facades and signage. The Corridor Improvement Program is an optional
package of policies, regulations, and incentives intended to stimulate investment and
development in the Corridor Strategic Areas. While the underlying land use designations still
apply, the properly owner may request, and the City may choose to apply, aspects of the
Corridor Improvement Program necessary to achieve the desired results. Key incentives
include: allowing increased densities for housing and mixed-use projects within 500 feet of a
transit stop, increasing density and FARs for mixed-use projects that replace strip
commercial on arterials, and increased density for projects that combine parcels (lot
consolidation). Furthermore, Code Enforcement activities in this area will encourage
violators to demolish unsafe buildings through existing demolition programs and educate
properly owners of new opportunities available through the Corridor Improvement Program.
General Lot Consolidation Incentive
The City will amend the Development Code to incentivize lot consolidation for projects that
promise to commit to management plans and provide on-site management. Small, individual
lots offer limited development potential, and generally cannot support on-site properly
management. Development opportunities could be increased through a small-lot
consolidation program that offers a 15 percent density bonus to projects with a residential
component that are committing to a maintenance plan and having on-site management. This
encourages a more efficient use of the land while ensuring adequate long-term maintenance
and oversight of a properly.
Action Plan: One Year Use of Funds
Page 29
City of San Bernardino
FY 2010-2011 Action Plan
Density Bonus Provisions
The City will facilitate higher density and affordable housing development by amending the
development code to reflect the latest amendments to State density bonus law. Density
bonus provisions reward developers providing affordable housing to seniors or families with
an increase in density and reduced building requirements, such as reduced parking,
reduced setbacks, and other factors that decrease the cost of housing production. Density
bonus projects can be an important source of housing for lower and moderate income
households.
Reasonable Accommodation Ordinance
The City will reduce governmental constraints to housing for disabled persons by adopting a
Reasonable Accommodation Ordinance. The City of San Bernardino does not currently
have a formal process for requesting exemptions from government regulations for the
purpose of creating housing accessible to disabled persons. A Reasonable Accommodation
Ordinance will enact a process for disabled individuals (or those acting on their behalf) to
make requests for reasonable accommodation for relief from burdensome land use, zoning,
or building laws, rules, policies, practices, and/or procedures.
Emergency Shelters
The City plans to adopt a permanent emergency shelter ordinance, define emergency
shelters in the definitions section of the Development Code, and create development and
management standards in accordance with Senate Bill 2.
Transitional and Supportive Housing
The City will amend the Development Code to adequately define transitional and permanent
supportive housing and permit these uses based on unit type, in accordance with Senate Bill
2.
Streamlined Processing
The City is committed to continuing the streamlining of development activities and
regulations and will continue to analyze potential programs that seek to eliminate land use
constraints, particularly as related to the provision of new housing and rehabilitation of
existing housing. The City is considering amendments to the Municipal Code that will allow
increased administrative authority for staff or Zoning Administrator to grant discretionary
approvals for housing projects, administrative relief for lower cost housing and density
bonus programs, and deviations from the Development Code for lower cost and senior
housing projects. In addition, the City will continue to evaluate fees to identify those that may
be waived and/or decreased in order to encourage lower cost and senior citizen housing.
The City and EDA will continue dialogue and project coordination with various public/private
agencies involved in implementing the City's housing goals and continue to provide input on
regulations, codes, and ordinances that could potentially have adverse effects on the
development of affordable housing.
Action Plan: One Year Use of Funds
Page 30
City of San Bernardino
FY 2010-2011 Action Plan
J. Public Housing
1. Improvements
The Housing Authority of the County of San Bernardino ("Authority") owns and manages
about 690 units of public housing within the City limits, and nearly 2,000 countywide, for
occupancy by low-income families who pay no more than 30 percent of their monthly
income for rent. The Authority's public housing program includes a mixture of single-family
housing (scattered sites), multifamily housing, and special needs housing (such as for
seniors and individuals with disabilities) funded under several state and federal housing
programs.
The Authority is making a concerted effort to utilize green building technologies within its'
capital improvement program. While the current shortfall in Capital Fund generally prevents
substantial "green" investment, the Authority is utilizing whatever avenues are available to
implement energy conservation and sustainable building practices. For example, through an
energy performance contract, the Authority is utilizing private funding to install energy
conservation measures at public housing sites. Likewise, the Authority is utilizing funding
directly from Fannie Mae to address today, public housing capital improvements which are
planned for the next 5 years, through the Capital Fund Financing Program (leveraging the
annual Capital Fund allocation to service debt). Through these 2 programs, the Authority
has managed to secure funding from sources other than HUD to address nearly $20 million
in general and energy-related improvements. If additional Capital Funding was made
available, the Authority would utilize a similar "leveraging" approach to address its' nearly
$50 million countywide backlog of 5 year capital improvement needs. Through the process,
the Authority envisions continuing the focus on energy conservation and sustainability not
only to improve the environment, but also to help grow the "green-collar" job-sector of the
economy, which will be a key area for job creation, especially in the building industry in the
coming years.
According to the Authority, there are currently 12,024 applicants on the waiting list for the
Public Housing Program.
2. Resident Initiatives
Due to the size of San Bernardino County, the Authority divided its service area into seven
districts. Every three years, Authority Staff coordinates and monitors the election of a
jurisdiction-wide Resident Advisory Board to represent the voice of the resident population in
these districts. The Resident Advisory Board's overall purpose is to improve the quality of
life and resident satisfaction within assisted housing. It also participates in self-help
initiatives to enable residents to create a positive living environment for their families.
Action Plan: One Year Use of Funds
Page 31
City of San Bernardino
FY 2010-2011 Action Plan
J. Institutional Structure
The Economic Development Agency (EDA) of the City of San Bernardino is the lead agency
for the development and implementation of all of the City's housing and community
development programs. The Agency is responsible for the preparation and implementation
of the five-year Consolidated Plan, annual Action Plans, and any amendments to either
Plan. In addition, the Agency is responsible for preparing the Consolidated Annual
Performance Evaluation Reports (CAPERs), which reports the progress achieved during a
given fiscal year.
Implementation of the Consolidated Plan requires the efficient leveraging of multiple funding
sources - federal, state, local, and private resources. These funds create housing and
economic opportunities for low and moderate income households, particularly those with
special needs.
The City and EDA will continue to aggressively attract housing development to ensure that
all development will be completed in harmony with the State Housing Element and
Consolidated Plan's goals. The City and EDA will also continue to coordinate the execution
of a regional homeless assistance plan with a countywide Homeless Coalition and the
Community Action Partners of San Bernardino County. These groups include;
. Non-profit service providers
. City of San Bernardino Police Department
. County Board of Supervisors
. County Department of Public Social Services
. County Department of Mental Health
. County Department of Public Health
. Realtors
. AFL-CIO
. Veterans
. Building Industry Association
. Habitat for Humanity
. Local colleges
. Job training groups
The participation of the City and EDA in this cooperative effort enables and facilitates the
delivery of homeless services and resources through effective networking. In addition, any
development of homeless services outside the city limits serves to lessen the City's
homeless problems.
Gaps in Service Delivery System
The most significant gap in the service delivery system is the lack of sufficient funding to
address the City's extensive needs. To bridge this gap, the City actively pursues additional
funding opportunities for housing and community development. The City also encourages
public/private partnerships to maximize the effective use of resources.
Action Plan: One Year Use of Funds
Page 32
City of San Bernardino
FY 2010-2011 Action Plan
K. Coordination
Many projects involve the coordinated efforts of public, private and quasi-public agencies
and organizations. For example, the Agency coordinates the development and execution of
a regional homeless assistance plan with a countywide Homeless Coalition and a Local
Coordinating Group.
The Economic Development Agency will continue to meet with public and other housing and
supportive service providers to use all available resources to the maximum levels of
effectiveness. Meetings with these agencies will occur regularly throughout the fiscal year
to endorse applications for funding and to discuss cooperative ventures. The City and EDA
will also continue dialogue and project coordination with the various public/private agencies
involved in implementing the City's housing goals in order to receive input on regulations,
codes, and ordinances that could potentially have adverse effects on the development of
affordable housing.
L. Monitoring
The City of San Bernardino follows strict internal monitoring procedures to ensure funds are
used appropriately and effectively. Subrecipients are monitored through quarterly reports
and onsite visits by the grants coordinator. Affordable housing development projects are
monitored to ensure compliance with housing quality standards with City staff performing
site visits, inspections, and auditing tenant files. In addition, property management is
required to submit reports documenting compliance with income restrictions.
The City will continue to undertake annual reviews of all agencies it provides financial
assistance to in conformance with 24 CFR 91.230. Findings will be provided as part of the
CAPER Report, due to HUD annually. The report will describe the current status of planned
activities, as described in the Plan, as well as other information that describes the progress
and successes of activities. The Five-Year Consolidated Plan priorities will be evaluated
through a comparison of the goals set out for the fiscal year and the productivity
characteristics and completion data for each program or activity implemented for the
accomplishment of those goals.
1. Performance Measures
The City has been continually working to develop a system that measures productivity and
program impact.
Productivity
The Integrated Disbursement and Information System (IDIS) is used to track expenditures
and accomplishments of CDBG and HOME funds. This information is subsequently used by
staff to prepare the Conwlidated Annual Performance Evaluation Report (CAPER) and to
evaluate future funding applications.
Action Plan: One Year Use of Funds
Page 33
City of San Bernardino
FY 2010-2011 Action Plan
Program Impact
An appropriate performance measurement system would also include a component that
measures program impact. Program impact reflects the extent to which activities yield the
desired results in the community or in the lives of persons assisted.
Output-Based Performance
Outputs are direct products of a program's activities. They are typically measured in terms
of the volume of work accomplished, such as number of low income households served,
number of items processed, or number of units constructed or rehabilitated. The processes
described above provide the department with the necessary level of information to satisfy
the "outputs" component.
Outcome-Based Performance
Outcomes are benefits that result from a program or activity. Outcomes typically relate to a
change in conditions, skills, knowledge, status, etc. Outcomes could include improved
quality or quantity of local affordable housing stock, improved or revitalized neighborhoods
or improved quality of life for program participants.
The City intends to require each subrecipient of federal funds to describe beyond
quantitative accomplishments how their programs and/or activities provide a more
comprehensive, far reaching level of improvement to each individual benefiting from the use
of federal funds.
M. Specific Program Requirements
The "Listing of Proposed Projects" in Appendix D details the City's Priority Description and
One-Year CDBG Funds Investment Plan for the City of San Bemardino. Proposed housing
activities primarily involve assistance for housing rehabilitation and code enforcement.
Proposed non-housing activities include public facility improvements and the funding of a
multitude of public services/agencies. A majority of the public service agencies funded
provide counseling, food, job training, child care and serve the City's seniors,
children/adolescents, youth programs, shelters, etc., and households in general.
1. Specific COBG Grant Program Submission Requirements
CDBG: Other resources that may become available in addition to the annual grant include
redevelopment low/mod funds in the amount of $7,410,612.
a. Program income estimated and expected to be generated during the Program Year-
$40,000
i) The amount estimated and expected to be generated by and deposited to
revolving loan funds - None
ii) The total amount estimated and expected to be received from each new f1oat-
funded activity that is included in the Plan - None
Action Plan: One Year Use of Funds
Page 34
City of San Bernardino
FY 2010-2011 Action Plan
iii) The amount estimated and expected to be received during the current program
year from float-funded activities described in a prior statement or plan. - None
iv) The total amount estimated and expected to be received from prior activities
and/or loan repayments - None
b. Program income received in the preceding program year that has not been included
in a statement or plan - None
i) Proceeds from Section 108 loan guarantees that will be used during the year to
address the priority needs and specific objectives identified in the strategic plan -
None .
ii) Surplus funds from any urban renewal settlement for community development
and housing activities - None
iii) Any grant funds returned to the line of credit for which the planned use has not
been included in a prior statement or plan - None
c. Reprogrammed Prior Years' Funds: The following chart reflects CDBG funds
reprogrammed from prior years' Annual Plans:
CDBG funds repro rammed from:
2005-06 East Kin Street 1m rovements
2005-06 YWCA Install Securi Fence
2007-08 0 eration Phoenix Ex ansion
2008-09 Miracles in Recove
2008-09 Provisional Educational Services
2008-09 Servant's Heart Outreach
2008-09 Westside Bri hter Vision
2008-09 Youth Ho e
Total
CDBG funds re ro rammed to:
2010-11 Code Enforcement Demolition
2010-11 Tar etAreaStreetlm rovements
Total
$200,000.00
$49,723.26
$146,000.00
$12,500.00
$12,500.00
$10,250.00
$179.62
$310.72
$431,463.60
$200,000.00
$231,463.60
$431,463.60
Float-funded Activities: None
Section 10B Activities: The City is currently renegotiating the HUD Section 108 Loan for
the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of $9,000,000
to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for
upgrading to new technology and remodeling of the building. The term of the Section 108
financing will be seven (7) years with interest only payments.
Action Plan: One Year Use of Funds
Page 35
City of San Bernardino
FY 2010-2011 Action Plan
On March 5, 2005, the City was notified of an award of $7.5 million in Section 108 HUD
Loan Program and in July 2006, the City, the Agency and HUD executed loan documents.
The $7.5 million has been utilized for the acquisition of twenty-two (22) blighted and socially
problematic 4-plex apartment dwellings in the North Arden Guthrie Area. Together with
other redevelopment funds of approximately $7.5 million, tenants have now been relocated
into safe and sanitary housing, the structures demolished, and the land will be made
available to a master developer (Home Depot) for the purpose of constructing a retail
commercial center.
Urgent Needs: N/A
2. Specific HOME Submission Requirements
Resale Provisions: The City's resale or recapture provision ensures the affordability of
units acquired with HOME funds in compliance with 24 CFR 92.254(a)(4). Specifically,
homebuyers agree that for a forty-five (45) year period commencing on the date of
recordation of the Agency Deed of Trust and the Affordable Housing Covenant to notify the
Agency not less than thirty (30) days prior to: (i) the sale of the New Home, (ii) the transfer
of any interest in the New Home, or (iii) any refinancing of the lien of the First Mortgage
Lender to which the lien of the Agency Deed of Trust is subordinate. This is a shared
appreciation formula between EDA and homebuyer based on a declining scale.
HOME Tenant Based Rental Assistance - N/A
Other Forms of Investment: Private Resources from Community Housing Development
Organization (CHDO) Partners.
Affirmative Marketing: The City will use the combined efforts of CHDOs, realtors,
newspaper advertisement and flyers to affirmatively market homes to all residents and
prospective buyers regardless of race, color, gender, marital status, religion and disability.
MinoritylWomen's Business Outreach: The City's outreach effort is fully described in the
MIWBE Plan which includes actions that will be taken to establish and oversee the inclusion,
to the maximum extent possible, of minority and women, and entities owned by minorities
and women, including without limitation, real estate firms, construction firms, appraisal firms,
management firms, financial institutions, investment banking firms, underwriters,
accountants, and providers of legal services, in all contracts, entered into by the City with
such persons or entities, public and private, in order to facilitate the activities to provide
affordable housing under the HOME Program in compliance with 24 CFR 92.351.(b).
Program Income: An estimated $2,700
Refinancing: N/A
In FY 2010-2011, the City will receive $1,698,384 in HOME funds. HOME funds will be
allocated as follows for the new fiscal year: 10% ($169,838) for EDA HOME administration;
15% ($254,757) to qualified Community Housing Development Organizations (CHDO's) who
aid in the provision of affordable housing in the community; 28% ($480,000) for homebuyer
assistance and education; 5% ($84,919) for CHDO operations and capacity building.
Action Plan: One Year Use of Funds
Page 36
City of San Bernardino
FY 2010-2011 Action Plan
The remaining $708,870 will be allocated to other lower income housing developments as
they become available during the fiscal year. In this case, HOME funds will be used to
augment the EDA's annual appropriations from its tax increment housing set aside. HOME
funds can only be utilized for housing activities, i.e. rehabilitation of single-family housing,
rehabilitation or construction of multi-family and/or senior housing; homebuyer programs;
acquisition of land; public improvements to facilitate affordable housing and transitional
housing.
3. Specific ESG Submission Requirements
The City solicited and made funding recommendations for ESG submissions based on
experience, ability to provide service and the number of households expected to benefit
from the program. Matching grant funds were also identified in each recipient's application
from fund raising efforts, in-kind donations and volunteer's labor donated. Staff, together
with a representative from the San Bernardino County Community Action Partners, assisted
in reviewing and rating the ESG proposals. Each proposal was evaluated on: project
narrative, past experience, cost effectiveness, leveraging and overall quality of proposal.
Table 5: Homeless Allocations by ESG Re(julatory Cate(jory
Organization Shelter Essential Homeless Total
ODerations Services Prevention
Central City Lutheran $15,823 -- -- $15,823
Foothills AIDS -- -- $16,800 $16,800
Frazee Communitv Center -- -- $12,660 $12,660
Marcy Mercy Center -- $10,000 -- $10,000
Operation Grace -- -- $7,500 $7,500
Option House -- $10,000 -- $10,000
Salvation Army -- $17,471 -- $17,471
Time for Change -- $10,000 -- $10,000
Total $15,B23 $47,471 $36,960 $100,254
Percent 15.7% 47.4% 36.9% 100.0%
Action Plan: One Year Use of Funds
Page 37
Appendix A:
Certifications
City of San Bernardino
FY 2010-2011 Action Plan
CERTIFICATIONS
In accordance with the applicable statutes and the regulations governing the consolidated
plan regulations, the jurisdiction certifies that:
Affirmatively Further Fair Housing -- The jurisdiction will affirmatively further fair housing,
which means it will conduct an analysis of impediments to fair housing choice within the
jurisdiction, take appropriate actions to overcome the effects of any impediments identified
through that analysis, and maintain records reflecting that analysis and actions in this
regard.
Anti-displacement and Relocation Plan -- It will comply with the acquisition and relocation
requirements of the Uniform Relocation Assistance and Real Property Acquisition Policies
Act of 1970, as amended, and implementing regulations at 49 CFR 24; and it has in effect
and is following a residential antidisplacement and relocation assistance plan required under
section 104(d) of the Housing and Community Development Act of 1974, as amended, in
connection with any activity assisted with funding under the CDBG or HOME programs.
Drug Free Workplace -- It will or will continue to provide a drug-free workplace by:
1. Publishing a statement notifying employees that the unlawful manufacture,
distribution, dispensing, possession, or use of a controlled substance is prohibited in
the grantee's workplace and specifying the actions that will be taken against
employees for violation of such prohibition;
2. Establishing an ongoing drug-free awareness program to inform employees about-
(a) The dangers of drug abuse in the workplace;
(b) The grantee's policy of maintaining a drug-free workplace;
(c) Any available drug counseling, rehabilitation, and employee assistance
programs; and
(d) The penalties that may be imposed upon employees for drug abuse
violations occurring in the workplace;
3. Making it a requirement that each employee to be engaged in the performance of the
grant be given a copy of the statement required by paragraph 1;
4. Notifying the employee in the statement required by paragraph 1 that, as a condition
of employment under the grant, the employee will -
(a) Abide by the terms of the statement; and
(b) Notify the employer in writing of his or her conviction for a violation of a
criminal drug statute occurring in the workplace no later than five calendar
days after such conviction;
5. Notifying the agency in writing, within ten calendar days after receiving notice under
subparagraph 4(b) from an employee or otherwise receiving actual notice of such
conviction. Employers of convicted employees must provide notice, including position
title, to every grant officer or other designee on whose grant activity the convicted
employee was working, unless the Federal agency has designated a central point for
Appendix A: Certifications
Page A-1
City of San Bernardino
FY 2010-2011 Action Plan
the receipt of such notices. Notice shall include the identification number(s) of each
affected grant;
6. Taking one of the following actions, within 30 calendar days of receiving notice under
subparagraph 4(b), with respect to any employee who is so convicted:
(a) Taking appropriate personnel action against such an employee, up to and
including termination, consistent with the requirements of the Rehabilitation
Act of 1973, as amended; or
(b) Requiring such employee to participate satisfactorily in a drug abuse
assistance or rehabilitation program approved for such purposes by a
Federal, State, or local health, law enforcement, or other appropriate agency;
7. Making a good faith effort to continue to maintain a drug-free workplace through
implementation of paragraphs 1, 2, 3, 4, 5 and 6.
Anti-Lobbying -- To the best of the jurisdiction's knowledge and belief:
1. No Federal appropriated funds have been paid or will be paid, by or on behalf of it, to
any person for influencing or attempting to influence an officer or employee of any
agency, a Member of Congress, an officer or employee of Congress, or an employee
of a Member of Congress in connection with the awarding of any Federal contract,
the making of any Federal grant, the making of any Federal loan, the entering into of
any cooperative agreement, and the extension, continuation, renewal, amendment,
or modification of any Federal contract, grant, loan, or cooperative agreement;
2. If any funds other than Federal appropriated funds have been paid or will be paid to
any person for influencing or attempting to influence an officer or employee of any
agency, a Member of Congress, an officer or employee of Congress, or an employee
of a Member of Congress in connection with this Federal contract, grant, loan, or
cooperative agreement, it will complete and submit Standard Form-LLL, "Disclosure
Form to Report Lobbying," in accordance with its instructions; and
3. It will require that the language of paragraph 1 and 2 of this anti-lobbying certification
be included in the award documents for all subawards at all tiers (including
subcontracts, subgrants, and contracts under grants, loans, and cooperative
agreements) and that all subrecipients shall certify and disclose accordingly.
Authority of Jurisdiction -- The consolidated plan is authorized under State and local law
(as applicable) and the jurisdiction possesses the legal authority to carry out the programs
for which it is seeking funding, in accordance with applicable HUD regulations.
Consistency with plan -- The housing activities to be undertaken with CDBG, HOME, ESG,
and HOPWA funds are consistent with the strategic plan.
Appendix A: Certifications
Page A-2
City of San Bernardino
FY 2010-2011 Action Plan
Section 3 -- It will comply with section 3 of the Housing and Urban Development Act of
1968, and implementing regulations at 24 CFR Part 135.
Signature/Authorized Official
Date
Title
Appendix A: Certifications
Page A-3
City of San Bernardino
FY 2010-2011 Action Plan
Specific CDBG Certifications
The Entitlement Community certifies that:
Citizen Participation -- It is in full compliance and following a detailed citizen participation
plan that satisfies the requirements of 24 CFR 91.105.
Community Development Plan -- Its consolidated housing and community development
plan identifies community development and housing needs and specifies both short-term
and long-term community development objectives that provide decent housing, expand
economic opportunities primarily for persons of low and moderate income. (See CFR 24
570.2 and CFR 24 part 570)
Following a Plan -- It is following a current consolidated plan (or Comprehensive Housing
Affordability Strategy) that has been approved by HUD.
Use of Funds -- It has complied with the following criteria:
1. Maximum Feasible Priority. With respect to activities expected to be assisted with
CDBG funds, it certifies that it has developed its Action Plan so as to give maximum
feasible priority to activities which benefit low and moderate income families or aid in
the prevention or elimination of slums or blight. The Action Plan may also include
activities which the grantee certifies are designed to meet other community
development needs having a particular urgency because existing conditions pose a
serious and immediate threat to the health or welfare of the community, and other
financial resources are not available);
2. Overall Benefit. The aggregate use of CDBG funds including section 108
guaranteed loans during program year(s), (a period specified by the grantee
consisting of one, two, or three specific consecutive program years), shall principally
benefit persons of low and moderate income in a manner that ensures that at least
70 percent of the amount is expended for activities that benefit such persons during
the designated period;
3. Special Assessments. It will not attempt to recover any capital costs of public
improvements assisted with CDBG funds including Section 108 loan guaranteed
funds by assessing any amount against properties owned and occupied by persons
of low and moderate income, including any fee charged or assessment made as a
condition of obtaining access to such public improvements. However, if CDBG funds
are used to pay the proportion of a fee or assessment that relates to the capital costs
of public improvements (assisted in part with CDBG funds) financed from other
revenue sources, an assessment or charge may be made against the properly with
respect to the public improvements financed by a source other than CDBG funds.
The jurisdiction will not attempt to recover any capital costs of public improvements
assisted with CDBG funds, including Section 108, unless CDBG funds are used to
pay the proportion of fee or assessment attributable to the capital costs of public
improvements financed from other revenue sources. In this case, an assessment or
charge may be made against the properly with respect to the public improvements
financed by a source other than CDBG funds. Also, in the case of properties owned
and occupied by moderate-income (not low-income) families, an assessment or
charge may be made against the property for public improvements financed by a
Appendix A: Certifications
Page A-4
City of San Bernardino
FY 2010-2011 Action Plan
source other than CDBG funds if the jurisdiction certifies that it lacks CDBG funds to
cover the assessment.
Excessive Force -- It has adopted and is enforcing:
1. A policy prohibiting the use of excessive force by law enforcement agencies within its
jurisdiction against any individuals engaged in non-violent civil rights demonstrations;
and
2. A policy of enforcing applicable State and local laws against physically barring
entrance to or exit from a facility or location which is the subject of such non-violent
civil rights demonstrations within its jurisdiction;
Compliance With Anti-discrimination laws - The grant will be conducted and
administered in conformity with title VI of the Civil Rights Act of 1964 (42 USC 2000d), the
Fair Housing Act (42 USC 3601-3619), and implementing regulations.
Lead-Based Paint -- Its activities concerning lead-based paint will comply with the
requirements of 24 CFR Part 35, subparts A, B, J, K and R;
Compliance with Laws -- It will comply with applicable laws.
Signature/Authorized Official
Date
Title
Appendix A: Certifications
Page A-5
City of San Bernardino
FY 2010-2011 Action Plan
OPTIONAL CERTIFICATION
CDBG
Submit the following certification only when one or more of the activities in the action plan
are designed to meet other community development needs having a particular urgency as
specified in 24 CFR 570.208(c): The grantee hereby certifies that the Annual Plan includes
one or more specifically identified CDBG-assisted activities which are designed to meet
other community development needs having a particular urgency because existing
conditions pose a serious and immediate threat to the health or welfare of the community
and other financial resources are not available to meet such needs.
Signature/Authorized Official
Date
Title
Appendix A: Certifications
Page A-6
City of San Bernardino
FY 2010-2011 Action Plan
APPENDIX TO CERTIFICATIONS
INSTRUCTIONS CONCERNING LOBBYING AND DRUG-FREE WORKPLACE
REQUIREMENTS:
A. Lobbvina Certification
This certification is a material representation of fact upon which reliance was placed when
this transaction was made or entered into. Submission of this certification is a prerequisite
for making or entering into this transaction imposed by section 1352, title 31, U.S. Code.
Any person who fails to file the required certification shall be subject to a civil penalty of not
less than $10,000 and not more than $100,000 for each such failure.
B. Drua-Free Workolace Certification
1. By signing and/or submitting this application or grant agreement, the grantee is
providing the certification.
2. The certification is a material representation of fact upon which reliance is placed
when the agency awards the grant. If it is later determined that the grantee knowingly
rendered a false certification, or otherwise violates the requirements of the Drug-Free
Workplace Act, HUD, in addition to any other remedies available to the Federal
Government, may take action authorized under the Drug-Free Workplace Act.
3. Workplaces under grants, for grantees other than individuals, need not be identified
on the certification. If known, they may be identified in the grant application. If the
grantee does not identify the workplaces at the time of application, or upon award, if
there is no application, the grantee must keep the identity of the workplace(s) on file
in its office and make the information available for Federal inspection. Failure to
identify all known workplaces constitutes a violation of the grantee's drug-free
workplace requirements.
4. Workplace identifications must include the actual address of buildings (or parts of
buildings) or other sites where work under the grant takes place. Categorical
descriptions may be used (e.g., all vehicles of a mass transit authority or State
highway department while in operation, State employees in each local
unemployment office, performers in concert halls or radio stations).
5. If the workplace identified to the agency changes during the performance of the
grant, the grantee shall inform the agency of the change(s), if it previously identified
the workplaces in question (see paragraph three).
6. The grantee may insert in the space provided below the site(s) for the performance
of work done in connection with the specific grant:
Place of Performance (Street address, city, county, state, zip code)
Appendix A: Certifications
Page A-7
City of San Bernardino
FY 2010-2011 Action Plan
Check _ if there are workplaces on file that are not identified here.
The certification with regard to the drug-free workplace is required by 24 CFR part 24,
subpart F.
7. Definitions of terms in the Nonprocurement Suspension and Debarment common
rule and Drug-Free Workplace common rule apply to this certification. Grantees'
attention is called, in particular, to the following definitions from these rules:
"Controlled substance" means a controlled substance in Schedules I through V of the
Controlled Substances Act (21 U.S.C. 812) and as further defined by regulation (21
CFR 1308.11 through 1308.15);
"Conviction" means a finding of guilt (including a plea of nolo contendere) or
imposition of sentence, or both, by any judicial body charged with the responsibility
to determine violations of the Federal or State criminal drug statutes;
"Criminal drug statute" means a Federal or non-Federal criminal statute involving the
manufacture, distribution, dispensing, use, or possession of any controlled
substance;
"Employee" means the employee of a grantee directly engaged in the performance
of work under a grant, including: (i) All "direct charge" employees; (ii) all "indirect
charge" employees unless their impact or involvement is insignificant to the
performance of the grant; and (iii) temporary personnel and consultants who are
directly engaged in the performance of work under the grant and who are on the
grantee's payroll. This definition does not include workers not on the payroll of the
grantee (e.g., volunteers, even if used to meet a matching requirement; consultants
or independent contractors not on the grantee's payroll; or employees of
subrecipients or subcontractors in covered workplaces).
Appendix A: Certifications
Page A-8
Appendix B:
Summary of Citizen Participation and
Public Comments
City of San Bernardino
FY 2010-2011 Action Plan
FY 2010/11 Action Plan
As part of the Action Plan development, the. Community Development Citizen Advisory
Committee (CDCAC) held a public hearing on January 21,2010 to consider projects and
activities for use of federal funds. The public hearing was held at the Economic
Development Agency Board Room. In total, more than 15 residents and representatives of
service provider agencies attended this meeting, in addition to the five Community
Development Citizens Advisory Committee members. Service providers attending the
Consolidated Plan community outreach meeting included:
. Time for Change
. Central City Lutheran Mission
. Inland Fair Housing & Mediation Board
. Project Life Impact
. Universal Nursing Systems
. A Servant's Heart Outreach
. St. John's Success Center
. Apartment Association Greater Inland Empire
. OMNIP
On March 25, 2010, the CDCAC held a public hearing to review the Draft FY 2010/11
Annual Action Plan for CDBG, HOME, and ESG funds. A 30-day public review of the Draft
Action Plan was provided from March 30 through April 30, 2010.
On May 3, 2010, the City conducted a public hearing to receive oral and written comments
on the draft 2010-2011 Annual Plan and adopt the Action Plan.
Appendix B: Citizen Participation
Page B-1
Appendix C:
SF424 Forms
FEDERAL ASSISTANCE 2. DATE SUBMITTED ~licant Identifier
180
1. TYPE OF SUBMISSION: 3. DATE RECEIVED BY STATE State Application Identifier
Application Pre-application
o Construction ~ Construction 4. DATE RECEIVED BY FEDERAL AGENCY Federal Identifier
Ii Non-Constructlon o Non-Constructlon
5. APPLICANT INFORMATION
Legal Name: Oraanlzatlonal Unit:
City of San Bernardino Department:
Economic DeveJopment Agency
Or~anizaUonal DUNS: Division:
12 146302
Address: Name and telephone number of person to be contacted on matters
Street: Involving this application (give area code)
300 North -0- Street Prefix: First Name:
Ms. Usa
City: Middle Name
San Bernardino
County: Last Name
San Bernardino Connor
State: Zi~ Code Suffix:
California 92418
Country: Email:
USA lconnor@sbrda.org
6. EMPLOYER IDENTIFICATION NUMBER (EIN): Phone Number (give area code) Fax Number (give area code)
~@]-~@][Q][Q]00@J (909) 663-1044 (909) 888-9413
8. TYPE OF APPLICATION: 7. TYPE OF APPLICANT: (See back of form for Application Types)
IlZ! New [IJi Continuation o Revision Municipal
If Revision, enter appropriate letter(s) in box(es)
(See back of form for description of letters.) D D ther (specify)
Other (specify) 9. NAME OF FEDERAL AGENCY:
US Department of Housing and Urban Development (HUD)
10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11. DESCRIPTIVE TITLE OF APPLICANT'S PROJECT:
[i]~-~@]~ Fiscal Year 2010.2011 One Year Action Plan
ESG Program consisting of assistance for homeless shelters and
TITLE (Name of Program): services.
ESG Program
12. AREAS AFFECTED BY PROJECT (Cities. Counties. Stetes, etc.):
City of San Bernardino
13. PROPOSED PROJECT 14. CONGRESSIONAL DISTRICTS OF:
Start Date: I ~nding Date: a. Applicant k~' Project
7/01110 6130/11 29th 9th
15. ESTIMATED FUNDING: 16. IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE
hROER 12'7' PROCESS?
a. Federal ID THIS PREAPPLlCATION/APPLlCATION WAS MADE
158.237 a. Yes. AVAILABLE TO THE STATE EXECUTIVE ORDER 12372
b. Applicant :'" PROCESS FOR REVIEW ON
c. State DATE:
d. Local b. No. 11i! PROGRAM IS NOT COVEREO BY E. O. 12372
e.Other 0 OR PROGRAM HAS NOT BEEN SELECTED BY STATE
FOR REVIEW
f. Program Income 17. IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT?
g. TOTAL 158,237 o Yes If MYes~ attach an explanation. IiZl No
~r TO THE BEST OF MY KNOWLEDGE AND BELIEF, ALL DATA IN THIS APPLICATIONIPREAPPLlCATION ARE TRUE AND CORRECT. THE
OCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE
laTTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED.
a. Authorized Re resentative
f:{;efix First Name ~Jddle Name
r. Charles E.
Last Name lSuffix
McNeely
. Title . ~~~ePhone Number (give area code)
City Manager 909 384-6122
. Signature of Authorized Representative . Date Signed
APPLICATION FOR
Previous Edition Usable
Authorized for Local Reoroduction
Version 7/03
Standard Form 424 (Rev.9-2003)
Prescribed bv OMS Circular A-102
INSTRUCTIONS FOR THE SF-424
Public reporting burden for this collection of information is estimated to average 45 minutes per response, including time for reviewing
instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of
information. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for
reducing this burden, to the Office of Management and Budget, Paperwork Reduction Project (0348-0043), Washington, DC 20503.
PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET. SEND IT TO THE
ADDRESS PROVIDED BY THE SPONSORING AGENCY.
This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal
assistance. It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment
procedure in response to Executive Order 12372 and have selected the program to be included in their process, have been given an
opportunity to review the applicant's submission.
Item: Entrv: Item: Entrv:
1. Select Type of Submission. 11. Enter a brief descriptive title of the project. If more than one
program is involved, you should append an explanation on a
separate sheet. If appropriate (e.g., construction or real
property projects), attach a map showing project location. For
preapplications, use a separate sheet to provide a summary
description of this proiect.
2. Date application submitted to Federal agency (or State if applicable) 12. list only the largest political entities affected (e.g., State,
and applicant's control number (if applicable). counties, cities).
3. State use only (if applicable). 13 Enter the proposed start date and end date of the project.
4. Enter Date Received by Federal Agency 14. list the applicant's Congressional District and any District(s)
Federal identifier number: If this application is a continuation or affected by the program or project
revision to an existing award, enter the present Federal Identifier
number. If for a new oroiect, leave blank.
5. Enter legal name of applicant, name of primary organizational unit 15 Amount requested or to be contributed during the first
(including division, if applicable), which will undertake the funding/budget period by each contributor. Value of in kind
assistance activity, enter the organization's DUNS number contributions should be included on appropriate lines as
(received from Dun and Bradstreet), enter the complete address of applicable. If the action will result in a dollar change to an
the applicant (including country), and name, telephone number, e- existing award, indicate only the amount of the change. For
mail and fax of the person to contact on matters related to this decreases, enclose the amounts in parentheses. If both basic
application. and supplemental amounts are included, show breakdown on
an attached sheet. For multiple program funding, use totals
and show breakdown usina same cateaories as item 15.
6. Enter Employer Identification Number (EIN) as assigned by the 16. Applicants should contact the State Single Point of Contact
Internal Revenue Service. (SPOC) for Federal Executive Order 12372 to determine
whether the application is subject to the State
interaovernmental review process.
7. Select the appropriate letter in 17. This question applies to the applicant organization, not the
the space provided. I. State Controlled person who signs as the authorized representative. Categories
A. State Institution of Htgher of debt include delinquent audit disallowances, loans and
8. County Learning taxes.
C. Municipal J. Private University
D. Township K. Indian Tribe
E. Interstate L. Individual
F. Intermunicipal M. Profit Organization
G. Special District N. Other (Specify)
H. Independent School O. Not for Profit
District Organization
8. Select the type from the following list 18 To be signed by the authorized representative of the applicant.
. "New" means a new assistance award. A copy of the governing body's authorization for you to sign
. "Continuation" means an extension for an additional this application as official representative must be on file in the
funding/budget period for a project with a projected completion applicant's office. (Certain Federal agencies may require that
date. this authorization be submitted as part of the application.)
. ~Revision" means any change in the Federal Government's
financial obligation or contingent liability from an existing
obtigation. If a revision enter the appropriate letter:
A. Increase Award B. Decrease Award
C. Increase Duration D. Decrease Duration
9. Name of Federal agency from which assistance is being requested
with this application.
10. Use the Catalog of Federal Domestic Assistance number and title of
the program under which assistance is requested.
SF-424 (Rev. 7-97) Back
FEDERAL ASSISTANCE 2. DATE SUBMITTED Applicant Identifier
063180
1. TYPE OF SUBMISSION: 3. DATE RECEIVED BY STATE State Application Identifier
Application Pre-application
0" Construction bJ Construction 4. DATE RECEIVED BY FEDERAL AGENCY Federal Identifier
117.) Non-Constructlnn o Non-<:onstructlon
5. APPLICANT INFORMATION
Legal Name: Oraanlzational Unit:
City of San Bernardino Department:
Economic Development Agency
or~anizational DUNS: Division:
12 146302
Address: Name and telephone number of person to be contacted on matters
Street: Involving this application (give area code)
300 North -0- Street Prefix: First Name:
Ms. Lisa
C~y: Middle Name
San Bernardino
County: Last Name
Los Angeles Connor
Slatr.: I ZiR Code Suffix:
Cali amia 92418
Country: Email:
USA Iconnor@sbrda.org
6. EMPLOYER IDENTIFICATION NUMBER (EIN): Phone Number (give area code) I Fax Number (g;ve ama oode)
~@]-[]@][Q][Q]0[]~ (909) 663-1044 (909) 888-9413
8. TYPE OF APPLICATION: 7. TYPE OF APPLICANT: (See back of form for Application Types)
1\11 New 01 Continuation [] Revision Municipal
If Revision, enter appropriate letter(s) in box(es)
See back of fonn for description of letters.) D D ther (specify)
Other (specify) 9. NAME OF FEDERAL AGENCY:
US Department of Housing and Urban Development (HUD)
10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11. DESCRIPTIVE TITLE OF APPLICANT'S PROJECT:
lTI[4J-~[D~ Fiscal Year 2010-2011 One Year Action Plan
CDBa Program consisting of the provision of public selVices.
TITLE (Name of Program): community development, economic development, code enforcement,
CDBG Program
12. AREAS AFFECTED BY PROJECT (Cities, Counties. States. etc.): public improvement, and other related programs.
City of San Bernardino
13. PROPOSED PROJECT 14. CONGRESSIONAL DISTRICTS OF:
SlartDate: I Ending Date: a. Applicant ~j Project
07/01/10 6130/11 CA-043 A-041 and 043
15. ESTIMATED FUNDING: 16. IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE
ORDER 12372 PROCESS?
a. Federal ID THIS PREAPPLlCATION/APPLlCATION WAS MADE
3,891,483 a. Yes. AVAILABLE TO THE STATE EXECUTIVE ORDER 12372
b. Applicant PROCESS FOR REVIEW ON
c. State DATE:
d. Local b. No. Ili! PROGRAM IS NOT COVERED BY E. O. 12372
e.Other o OR PROGRAM HAS NOT BEEN SELECTED BY STATE
~ FOR REVIEW
f. Program Income 17. IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT?
g. TOTAL 3.891.483 o Yes If ~Yes~ attach an explanation. III No
18. TO THE BEST OF MY KNOWLEDGE AND BELIEF, ALL DATA IN THIS APPLlCATION/PREAPPLlCATION ARE TRUE AND CORRECT. THE
DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE
TTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED.
a. Authorized Re resentative
Mlefix I First Name Middle Name
r. Charles E.
Last Name Suffix
McNeely
. Title . Telephone Number (give area code)
City Manager 909) 384-5122
. Signature of Authorized Representative . Date Signed
..
APPLICATION FOR
PrevIous Edition Usable
Authorized for Local Reoroduction
Version 7/03
Slandard Form 424 (Rev.9-2003)
Prescribed bv OMS Circular A-1 02
INSTRUCTIONS FOR THE SF-424
Public reporting burden for this collection of information is estimated to average 45 minutes per response, including time for reviewing
instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of
information. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for
reducing this burden, to the Office of Management and Budget, Paperwork Reduction Project (0348-0043), Washington, DC 20503.
PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET. SEND IT TO THE
ADDRESS PROVIDED BY THE SPONSORING AGENCY.
This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal
assistance. It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment
procedure in response to Executive Order 12372 and have selected the program to be included in their process, have been given an
opportunity to review the applicant's submission.
Item: Entrv: Item: Entrv:
1. Select Type of Submission. 11. Enter a brief descriptive title of the project. If more than one
program is involved, you should append an explanation on a
separate sheet. If appropriate (e.g., construction or real
property projects), attach a map showing project location. For
preapplications, use a separate sheet to provide a summary
description of this proiect.
2. Date application submitted to Federal agency (or State if applicable) 12. List only the largest political entities affected (e.g., State,
and applicant's control number (if applicable). counties, cities).
3. State use only (if applicable). 13 Enter the proposed start date and end date of the project.
4. Enter Date Received by Federal Agency 14. List the applicant's Congressional District and any District(s)
Federal identifier number: If this application is a continuation or affected by the program or project
revision to an existing award, enter the present Federal Identifier
number. If for a new oroiect, leave blank.
5. Enter legal name of applicant, name of primary organizational unit 15 Amount requested or to be contributed during the first
(including division, if applicable), which will undertake the funding/budget period by each contributor. Value of in kind
assistance activity, enter the organization's DUNS number contributions should be included on appropriate lines as
(received from Dun and Bradstreet), enter the complete address of applicable. If the action will result in a dollar change to an
the applicant (including country), and name, telephone number, e- existing award, Indicate only the amount of the change. For
mail and fax of the person to contact on matters related to this decreases, enclose the amounts In parentheses. If both basic
application. and supplemental amounts are included, show breakdown on
an attached sheet. For multiple program funding, use totals
and show breakdown usina same cateaories as item 15.
6. Enter Employer Identification Number (EIN) as assigned by the 16. Applicants should contact the State Single Point of Contact
Internal Revenue Service. (SPOC) for Federal Executive Order 12372 to determine
whether the application is subject to the State
interaovernmental review orocess.
7. Select the appropriate letter in 17. This question applies to the applicant organization, not the
the space provided. I. State Controlled person who signs as the authorized representative. Categories
A. State Institution of Higher of debt include delinquent audit disallowances, loans and
B. County Learning taxes.
C. Municipal J. Private University
D. Township K. Indian Tribe
E. Interstate L. Individual
F. lntermunicipal M. Profit Organization
G. Special District N. Other (Specify)
H. Independent School O. Not for Profit
District Oraanization
8. Select the type from the following list: 18 To be signed by the authorized representative of the applicant.
. "New" means a new assistance award. A copy of the governing body's authorization for you to sign
. "Continuation" means an extension for an additional this application as official representative must be on file in the
funding/budget period for a project with a projected completion applicant's office. (Certain Federal agencies may require that
date. this authorization be submitted as part of the application.)
. "Revision" means any change in the Federal Government's
financial obligation or contingent liability from an existing
obfigation. If a revision enter the appropriate letter:
A. Increase Award B. Decrease Award
C. Increase Duration D. Decrease Duration
9. Name of Federal agency from which assistance is being requested
with this application.
10. Use the Catalog of Federal Domestic Assistance number and title of
the program under which assistance is requested.
SF-424 (Rev. 7-97) Back
APPLICATION FOR
Version 7/03
FEDERAL ASSISTANCE 2. DATE SUBMITTED Applicant Identifier
063180
1. TYPE OF SUBMISSION: 3. DATE RECEIVED BY STATE State Application Identifier
Application Pre-application
D Construction !d Construction 4. DATE RECEIVED BY FEDERAL AGENCY Federal Identifier
1121 Non-Constructlon D Non-Construction
5. APPLICANT INFORMATION
Legal Name: Oraanlzatlonal Unit:
City of San Bernardino Department:
Economic Development Agency
or~anizational DUNS: Division:
12 146302
Address: Name and telephone number of person to be contacted on matters
Street: involving this application (give area code)
300 North "0" Street Prefix: First Name:
Ms. Lisa
City: Middle Name
San Bernardino
County; Last Name
San Bernardino Connor ..-
State: ZiR Code Suffix:
California 92418
Country: Email:
USA lconnor@sbrda.org
6. EMPLOYER IDENTIFICATION NUMBER (EIN): Phone Number (give area code) I Fax Number (give area code)
~@]-~@][Q][Q]01ZJ@] (909) 663.1044 (909) 888-9413
8. TYPE OF APPLICATION: 7. TYPE OF APPLICANT: (See back of form for Application Types)
~ New [01 Continuation o Revision Municipal
If Revision, enter appropriate letter(s) in box(es) pther (specify)
See back of form for description of letters.) 0 0
Other (specify) 9. NAME OF FEDERAL AGENCY:
US Department of Housing and Urban Development (HUO)
10. CATALOG OF FEDERAL DOMESTIC ASSISTANCE NUMBER: 11. DESCRIPTIVE TITLE OF APPLICANT'S PROJECT:
[1]~-@]@]~ Fiscal Year 2010-2011 One Year Action Plan
HOME Program consisting of Homebuyer Assistance and Education,
TITLE (Name of Program): Residential Rehabilitation, and CHDO housing development.
HOME Program
12. AREAS AFFECTED BY PROJECT (Cities, Counties. States. etc.):
City of San Bernardino
13. PROPOSED PROJECT 14. CONGRESSIONAL DISTRICTS OF:
Start Date: 1 Ending Date: a. Applicant k~ Project
7101/10 6130/11 29th 9th
15. ESTIMATED FUNDING: 16. IS APPLICATION SUBJECT TO REVIEW BY STATE EXECUTIVE
nRDER 12372 PROCESS?
a. Federal [] THIS PREAPPLlCATION/APPLlCATION WAS MADE
1.698.384 a. Yes. AVAlLA8LE TO THE STATE EXECUTIVE ORDER 12372
b. Applicant PROCESS FOR REVIEW ON
c. State DATE:
d. Local b. No. 1l1! PROGRAM IS NOT COVERED BY E. O. 12372
e.other ."' 0 OR PROGRAM HAS NOT 8EEN SELECTED BY STATE
FOR REVIEW
f. Program Income ."' 17. IS THE APPLICANT DELINQUENT ON ANY FEDERAL DEBT?
g. TOTAL ."' o Yes If ~Yes" attach an explanation. 'ZI No
1.698,384 18. TO THE BEST OF MY KNOWLEDGE AND BELIEF, ALL DATA IN THIS APPLlCATlON/PREAPPLlCATION ARE TRUE AND CORRECT. THE
DOCUMENT HAS BEEN DULY AUTHORIZED BY THE GOVERNING BODY OF THE APPLICANT AND THE APPLICANT WILL COMPLY WITH THE
~TTACHED ASSURANCES IF THE ASSISTANCE IS AWARDED.
a. Authoriz R re nt tiv
/:(,efix First Name Mjddle Name
r. Charles E.
Last Name Suffix
McNeefy
. Title ~~T~~e~Phone Number (give area code)
City Manager 909 384-5122
. Signature of Authorized Representative e. Date Signed
Previous Edition Usable
Authorized for Local Reoroduction
Standard Form 424 (Rev.9-2003)
Prescribed bv OMS Circular A-102
INSTRUCTIONS FOR THE SF-424
Public reporting burden for this collection of information is estimated to average 45 minutes per response, including time for reviewing
instructions, searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of
information. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for
reducing this burden. to the Office of Management and Budget, Paperwork Reduction Project (0348-0043). Washington, DC 20503.
PLEASE DO NOT RETURN YOUR COMPLETED FORM TO THE OFFICE OF MANAGEMENT AND BUDGET. SEND IT TO THE
ADDRESS PROVIDED BY THE SPONSORING AGENCY.
This is a standard form used by applicants as a required face sheet for pre-applications and applications submitted for Federal
assistance. It will be used by Federal agencies to obtain applicant certification that States which have established a review and comment
procedure in response to Executive Order 12372 and have selected the program to be inciuded in their process, have been given an
opportunity to review the applicant's submission.
Item: EntN: Item: Entrv;
1. Select Type of Submission. 11. Enter a brief descriptive title of the project. If more than one
program is involved, you should append an explanation on a
separate sheet. If appropriate (e.g., construction or real
property projects), attach a map showing project location. For
preapplications, use a separate sheet to provide a summary
desc'ri'ntien of this nroiect.
2. Date application submitted to Federal agency (or State if applicable) 12. List only the largest political entities affected (e.g., State,
and applicant's control number (if applicable). counties, cities).
3. State use only (if applicable). 13 Enter the proposed start date and end date of the project.
4. Enter Date Received by Federal Agency 14. list the applicant's Congressional District and any District(s)
Federal identifier number: If this application is a continuation or affected by the program or project
revision to an existing award, enter the present Federal Identifier
number. If for a new-nroiect, leave blank.
5. Enter legal name of applicant, name of primary organizational unit 15 Amount requested or to be contributed during the first
(including division, if applicable), which will undertake the funding/budget period by each contributor. Value of in kind
assistance activity, enter the organization's DUNS number contributions should be included on appropriate lines as
(received from Dun and Bradstreet), enter the complete address of applicable. If the action will result in a dollar change to an
the applicant (including country), and name, telephone number, e- existing award, indicate only the amount of the change. For
mail and fax of the person to contact on matters related to this decreases, enclose the amounts in parentheses. If both basic
application. and supplemental amounts are included, show breakdown on
an attached sheet. For multiple program funding, use totals
and show breakdown uslnn same catenories as item 15.
6. Enter Employer Identification Number (EIN) as assigned by the 16. Applicants should contact the State Single Point of Contact
Intemal Revenue Service. (SPOC) for Federal Executive Order 12372 to determine
whether the application is subject to the State
internovemmental review nrocess.
7. Select the appropriate letter in 17. This question applies to the applicant organization, not the
the space provided. I. State Controlled person who signs as the authorized representative. Categories
A. State Institution of Higher of debt include delinquent audit disallowances, loans and
B. County learning taxes.
C. Municipal J. Private University
D. Township K. Indian Tribe
E. Interstate L. Individual
F. Intennunicipal M. Profit Organization
G. Special District N. Other (Specify)
H. Independent School O. Not for Profit
District Ornanization
8. Select the type from the following list: 18 To be signed by the authorized representative of the applicant.
. "New" means a new assistance award. A copy of the goveming body's authorization for you to sign
. ~Continuation" means an extension for an additional this application as official representative must be on file in the
funding/budget period for a project with a projected completion applicant's office. (Certain Federal agencies may require that
date. this authorization be submitted as part of the application.)
. ~Revision~ means any change in the Federal Govemment's
financial obligation or contingent liability from an existing
obligation. If a revision enter the appropriate letter:
A. Increase Award B. Decrease Award
C. Increase Duration D. Decrease Duration
9. Name of Federal agency from which assistance is being requested
with this application.
10. Use the Catalog of Federal Domestic Assistance number and title of
the program under which assistance is requested.
SF-424 (Rev. 7-97) Back
Appendix D:
Listing of Proposed Projects
U.S. Department of Housing
and Urban Development
OMS Approval No. 2506...0117
(Exp.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Home of Neighborly Service
Activity
Family Literacy/Social Services and Delinquency Prevention
Description
Provides positive cultural, recreational and educational experiences for individuals and families through
activities such as Girls and Boys Scouts, dance, boxing, aerobics and sewing. The center also has After
School Learning Center where children are provided with tutoring and homework assistance.
Objective category:
Outcome category:
[gJ Suitable Living Environment
[gJ A vailabilityl Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationrrarget Area:
(Street Address): 839 North Mount Vernon Avenue
(City, State, Zip Code): San Bernardino, CA 92411
Specific Objective Project ID
Number I
CD-6
HUD Matrix Code CDBG Citation
05 Public Service 570.201(e)
(General)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mmldd/yyyy) Completion Date (mmldd/yyyy)
07/01/2010 06/30/20 Jl
Performance Indicator Annual Units
01 People (General) 1800
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
-~.!_~-,-Qgg..._..........--..._...
..N.......N..___.......NM_M...........__.............
$15,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV/AIDS 0 Persons with Disabilities D Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506-0117
(Exp.413012011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Proj ect
Mary's Mercy Center Inc
Activity
Mary's Table
Description
It is a Hot Meal Kitchen and is open six days a week. We offer hot heals, weekly food bags, showers 4
days a week with hygiene packets and clothes. We also offer emergency infant needs, bus tickets/passes,
referrals, and an annual Christmas Eve Party. In collaboration, we are able to also offer Flu Shot
Clinics, Blood Pressure and diabetes Clinics, medical Clinics, Veteran Services and Medical Insurance
Information and Qualifying.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailabilityl Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): P.O. Box 7563
(City, State, Zip Code): Sau Bernardino, CA 92411
Specific Objective Project ID
Number 2
CD-I
HUD Matrix Code CDBG Citation
05 Public Service 570.20 I (e)
(General)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm!ddlyyyy) Completion Date (mm!ddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
Units of Assistance 4458
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.JL?~9.9.9........._..._.......
_.~).9.J.QgQ___.._._..___....._.
$25,000
The primary purpose of the project is to help: ~ the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housjng
and Urban Development
OMB Approval No. 2506-0117
(Exp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Central City Lutheran Mission
Activity
Plaza Comunitaria
Description
Program targets bilingual Latino youth (0-18 yrs) coming from mono-lingual homes by developing
bridges for dialogue assisting monolingual homes to develop parenting skills, increase school
retention, improve diets and reduce engagement with the juvenile justice system through
workshops, cultural events, and after school tutoring programs.
Objective category:
Outcome category:
[gJ Suitable Living Environment
[gJ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 1354 North G Street
(City, State, Zip Code): San Bernardino, CA 92405
Specific Objective Project ID
Number 3
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm1ddlyyyy) Completion Date (mm1ddlyyyy)
07/01/2010 06/30/201\
Performance Indicator Annual Units
01 People (General) 1750
LocalID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_~.1._2.J.9.QQ..___.__.._........_
$12,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV / AIDS D Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMS Approval No. 2506-0117
(Esp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Proj ect
Frazee Community Center
Activity
Hot Meals
Description
Provides emergency meal feeding program by providing box lunches, clothing, blankets, hygiene
products, bus passes and assist in obtaining California IDs.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
LocationlTarget Area:
(Street Address): 1140 West Mill Street
(City, State, Zip Code): San Bernardino, CA 92410
Specific Objective Proj ect ID
Number 4
CD-I
HUD Matrix Code CDBG Citation
05 Public Service 570.201(e)
(General)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mmlddlyyyy) Completion Date (mmlddlyyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 Peoole (General) 1800
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.J.I..2.J.9.9.,L....____.........
.JI._2.J_~.~.Q.............._...........
$24,660
The primal)' purpose of the project is to help: [8J the Homeless 0 Persons with HIV I AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Departmeot of Honsjog
and Urban Development
OMB Approval No. 2506-0117
(E.p. 4/3012011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Option House, Inc.
Activity
Temporary Crisis Intervention Shelter Program
Description
Provides services to female victims of domestic violence and their children through 24-hour ciris
intervention, temporary emergency shelter, food, clothing, and support services, as well as transitional
housing.
Objective category:
Outcome category:
[gJ Suitable Living Environment
[gJ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): P.O. Box 970, 813 North D Street Suites 3 & 4
(City, State, Zip Code): San Bernardino, CA 92402
Specific Objective Project ill
Number 5
CD-2
HUD Matrix Code CDBG Citation
05G Battered and 570.201(e)
Abused Spouses
Type of Recipient CDBG National Objective
Sub-recioient, Private LMC
Start Date (mmlddlyyyy) Completion Date (mmlddlyyyy)
07/0112010 06/3012011
Performance Indicator Annual Units
01 People (General) 300
Local ill Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
__~1..5.I.Q2Q....m................,,__
J.1..QJ.QQL.".__.__m.___
$25,000
The primary purpose of the project is to help: r8J the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Honsing
and Urban Development
OMB Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Time for Change Foundation
Activity
Transitional Housing and Reentry Services
Description
Provides transitional housing and reentry services to women who are homeless, ex-offenders and
recovering from physical and substance abuse in a sober living environment. Propose to residents to
implement case management, mental health services, and drug abuse counseling.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailability/ Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): 1255 East Highland Avenue, #211
(City, State, Zip Code): San Bernardino, CA 92405
Specific Objective Project ID
Number 6
CD-2
HUD Matrix Code CDBG Citation
05 Public Service 570.201 (e)
(General)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mmldd/yyyy) Completion Date (mmlddlyyyy)
07/0112010 06/30/201 I
Performance Indicator Annual Units
01 People (General) 65
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.~}.~J.22.Q.._........._...........
..~!gJ.Q.Q9.__...................._.
$15,000
The primary purpose of the project is to help: [8J the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Departmeot of Bou.iog
and Urban Development
OMB Approval No. 1506..01 t 7
(Exp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
AI-Shifa Clinic, Inc.
Activity
Primary Health Care/Basic Dental Care
Description
Provides psychosocial, medical, dental and some specialty care services, free of charge, to the indigent
and underserved through a network of dedicated volunteer physicians, dentists, and specialists.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 2034 B Mallory Street
(City, State, Zip Code): San Bernardino, CA 92407
Specific Objective Project ID
Number 7
CD-5
HUD Matrix Code CDBG Citation
05M Health Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm/ddlyyyy) Completion Date (mm/ddlyyyy)
07/01/2010 06/3012011
Performance Indicator Annual Units
01 People (General) 800
LocalID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.........R__......._.............._...................
J}.?,.QQ.2__...._..............
$15,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
u.s. Department of Rousjng
and Urban Development
OMS Approval No. 2506-0117
(Exp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Proj ect
Assistance League of San Bernardino - Children's Dental Center
Activity
Dental Services Expansion
Description
Provides complete professional dental services to the children of low to very low income families in the
San Bernardino City Unified School District who do not have dental insurance and are not receiving
public assistance.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 560 West 6th Street
(City, State, Zip Code): San Bernardino, CA 92410
Specific Objective Project ID
Number 8
CD-5
HUD Matrix Code CDBO Citation
05M Health Services 570.20] (e)
Type of Recipient CDBO Nationa] Objective
Sub-recipient, Private LMC
Start Date (mmlddlyyyy) Completion Date (nun!ddlyyyy)
07/0112010 06/30/20] ]
Performance Indicator Annua] Units
01 People (General) 400
Local ID Units Upon Completion
Funding Sources:
CDBO
ESO
HOME
HOPWA
Tota] Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.~L?,.Q9..Qm__...............m.......
$]2,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS D Persons with Disabilities D Public Housing Needs
u.s. Department of Housing
aDd Urban Development
OMB Approval No. 2506-0117
(Exp. 4/3012011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Inland AIDS Project
Activity
Inland Aids Project Case Management
Description
Administers mental health, substance abuse, food voucher distribution, housing assistance, case
management, and health promotion programs for men, women, children and families.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailabilityl Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 1374 North Waterman Avenue
(City, State, Zip Code): San Bernardino, CA 92404
Specific Objective Project 10
Number 9
CD-5
HUD Matrix Code CDBG Citation
05M Health Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm/dd/yyyy) Completion Date (mm/dd/yyyy)
07/01/2010 06/3012011
Performance Indicator Annual Units
01 Peonle (Genera]) 100
Local 10 Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.JIQ,QQQ____.__.
$10,000
The primary purpose of the project is to help: 0 the Homeless [gJ Persons with HIV / AIDS 0 Persons with Disabilities D Public Housing Needs
u.s. Department of Honsing
and U rbaD Development
OMS Approval No. 2506..0117
(E.p.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
San Bernardino Medical Center
Activity
Pre and Post Natal Diabetic Clinic
Description
Designed to improve pregnancy outcomes for women who have diabetes during pregnancy and after
birth through education. Health care professional are on-hand to provide supportive and complimentary
services to ensure that women and children obtain and retain quality health.
Objective category:
Outcome category:
~ Suitable Living Environment 0 Decent Housing
~ Availability/Accessibility 0 Affordability
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): 1374 North Waterman Avenue
(City, State, Zip Code): San Bernardino, CA 92404
Specific Objective Project ID
Number 10
CD-5
HUD Matrix Code CDBG Citation
05M Health Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm1dd/yyyy) Completion Date (mm1dd/yyyy)
07/0112010 06/30/2011
Performance Indicator Annual Units
01 People (General) 100
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.11..9).9.9.9._._................
$10,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/A1DS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMS Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Asian American Resource Center
Activity
Job Traiuing & ESL/Civic Program
Description
Provide English as a Second lauguage (ESL) and Job Training services to individuals whose English
communication skills are either non-existent or lacking and increases the chances of such individuals
removing themselves from isolation due to language barriers.
Objective category:
Outcome category:
IZI Suitable Living Environment
IZI Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
LocationfTarget Area:
(Street Address): 1115 South "E" Street
(City, State, Zip Code): San Bernardino, CA 92408
Specific Objective Project ID
Number II
CD-6
HUD Matrix Code CDBG Citation
05 Public Service 570.201(e)
(General)
Type of Recipient CDBG National Objective
Sub-recioient, Private LMC
Start Date (mm/ddlyyyy) Completion Date (mm/dd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 People (General) 350
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
..~1..~!.QQg...m.mm............
$15,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV (AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMS Approval No. Z506~117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Boys & Girls Club of Redlands - Waterman Gardens
Activity
Waterman Gardens Boys & Girls Club
Description
Provides access to a broad range of programs in the five core areas of Character and Leadership
Development, Education and Career Development, Health and Life Skills, The Arts, and Sports, Fitness
and Recreation
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 402 Alder Street
(City, State, Zip Code): Redlands, CA 92410
Specific Objective Project ID
Number 12
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.20\(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm/ddlyyyy) Completion Date (mm/dd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 People (General) 1000
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.~?.,QQ.Q.._--................_._...
$5,000
The primary purpose of the project is to help: D the Homeless 0 Persons with HIV (AIDS D Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Boys & Girls of San Bernardino
Activity
Power Hour
Description
Provides comprehensive mentoring and tutoring designed to further enhance the math, reading, and
writing skills of children in grades K through 12.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailabilily/ Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
LocationiTarget Area:
(Street Address): 1180 West 9th Street
(City, State, Zip Code): San Bernardino, CA 92411
Specific Objective Project ID
Number 13
CD-7
HUD Matrix Code CDBG Citation
050 Youth Services 570.20I(e)
Type of Recipient CDBG National Objective
Sub-recioient, Private LMC
Start Date (mm/ddlyyyy) Completion Date (mm/ddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 People (General) 130
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
...~.1..~."QQ.Q._.............._........__
$15,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
u.s. Department ofUoDsjng
and Urban Development
OMS Approval No. 2506-0117
(Exp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Child Advocates of San Bernardino County
Activity
Court Appointed Special Advocate Training Program
Description
Advocates on behalf of abused children through appointing CASA volunteers as stable presence in foster
youth's lives, acting as a connector of various services to foster youth and families, providing legal,
educational, and health care system support
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 555 North D Street, Suite 100
(City, State, Zip Code): San Bernardino, CA 92401
Specific Objective Project ill
Number 14
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.20He)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm/ddlyyyy) Completion Date (mmlddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 People (General) 180
Local ill Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
..$..I..?,Q22..._.m..._.........
$12,000
TIle primary purpose of the project is to help: 0 the Homeless D Persons with HIVI AIDS 0 Persons with Disabilities 0 Public Housing Needs
u.s. Department of Housjng
and Urban Development
OMB Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Children's Fund, Inc.
Activity
Daily Referral Program
Description
Ensure that at-risk children who are abused, neglected, impoverished, or abandoned receive adequate
food, shelter, clothing, medical care and education. The Daily Referral program is the engine through
which Children's Fund meets the emergency needs of at-risk youth.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 385 North Arrowhead, 2nd Floor
(City, State, Zip Code): San Bernardino, CA 92415
Specific Objective Project ID
Number 15
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm1ddlyyyy) Completion Date (mm1ddlyyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 People (General) 500
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
..~1.?J.QQQ___........_.._....
............._...........R..R.........____.........m...
$12,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/ AIDS D Persons with Disabilities D Public Housing Needs
U.S. Department of Housing
aud Urban Development
OMB Approval No. 2506-0117
(Exp.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Gang Reduction Intervention Team (GRIT)
Activity
Upward Bound
Description
GRIT provides Interaction/Awareness Classes & Upward Bound Reentry Training. Classes are 14-
weeks, two-hour classes, twice a week. Topics include: Anger Management, Gang Intervention, Life
Skills, Intuitional Debriefing, Sexually Transmitted Disease, Realities of Prison Life, Weapons Diversion,
Drug & Alcohol Awareness, Teen Pregnancy Prevention & Education and Cardio Pulmonary
Resuscitation Training & Certification.
Objective category:
Outcome category:
1:81 SuitableLiving Environment
1:81 A vailability/ Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 801 Post Street
(City, State, Zip Code): Redlands, CA 92374
Specific Objective Project ID
Number 16
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.20 I (e)
Type of Recipient CDBG National Objective
Sub-recioient, Private LMC
Start Date (mm1ddlyyyy) Completion Date (mm1ddlyyyy)
07/01/2010 06/30/20 I I
Performance Indicator Annual Units
01 People (General) 40
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_lL~1.2QQ...__.m....___...._.
$15,000
The primary purpose of the project is to he1p: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department or Dousing
and Urban Development
OMB Approval No. 2506~117
(E,p.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Project Life Impact
Activity
Project Life After School Learning Center
Description
Project Life Impact is an official CAPS Program Provider for the San Bernardino City Unified School
District. The program promotes; academic achievement in curricular areas, increases daily student
attendance rates, reduces student suspension and expulsion rates and develops both positive student
behavior and cooperative skills.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailability/ Accessibility
o Decent Housing
o AffordabiJity
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): 863 North Mountain View
(City, State, Zip Code): San Bernardino, CA 92401
Specific Objective Project ID
Number 17
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.201 (e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mmlddlyyyy) Completion Date (mmlddlyyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
Units of Assistance 900
Local 10 Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.JLQ,QQQ....................._........
$10,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department oCHonsjng
and Urban Development
OMB Approval No. 2506-0117
(E:lp. 4/3012011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
Higb
Project
San Bernardino National Forest Association
Activity
Urban Yonth Conservation Corps
Description
Prevent and/or intervene early in drug and gang violence among at-risk youth (ages 15 through 19 years
old) who live in zip code areas 92411 and 92410 within the City of San Bernardino. This is achieved
through weekly job readiness training and paid conservatiDn work activities in the community, as well as
on the National Forest.
Objective category:
Outcome category:
[8J Suitable Living Environment
[8J A vailability/ Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 602 South Tippecanoe Avenue
(City, State, Zip Code): San Bernardino, CA 92411
Specific Objective Project ID
Number 18
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.201 (e)
Type of Recipient CDBG National Objective
Sub-reciDient, Private LMC
Start Date (mmJdd/yyyy) Completion Date (mmJdd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 People (General) 300
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.~.1..~QQg_..._.m..___m.._.
.......__.......H...._..............................
$15,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department or Hon,Ing
and Urban Development
OMB Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Santa Claus, Inc
Activity
Santa Claus, Inc of Greater San Bernardino
Description
Provides new toys, clothing, books, and quality educational materials for local underprivileged children
at Christmas. Eligible parents are identified as families of the working poor primarily by the San
Bernardino Unified School District. Invitations are sent to parents to "shop for free" at its warehouse
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): 824 East 6th Street
(City, State, Zip Code): San Bernardino, CA 92406
Specific Objective Proj ect ID
Number 19
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.20 J( e)
Type of Recipient CDBG National Objective
Sub-recinient, Private LMC
Start Date (mm/dd/yyyy) Completion Date (mm/dd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
Units of Assistance 14000
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
J1..Q,QQQ_........__.......
$10,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities D Public Housing Needs
U.S. Department of Ronsjng
and Urban Development
OMB Approval No. 2506..0117
(Exp. 4/30/201 I)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Sinfonia Mexicana's Mariachi Youth Academy
Activity
Sinfonia Mexicana Mariachi Youth Academy
Description
Offers an extracurricular musical education to middle and high school students. In addition to teaching
musical skills, this program also emphasizes the importance of a higher education and fosters strong
leadership skills among its participants.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
D Decent Housing
D Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 562 West 4th Street
(City, State, Zip Code): San Bernardino, CA 92401
Specific Objective Project ID
Number 20
CD-7
HUD Matrix Code CDBG Citation
50 Youth Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recinient, Private LMC
Start Date (mm/ddlyyyy) Completion Date (mm/ddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 Peonle (General) 20
LacalID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.~.1..Q,.Q9.Q..........._.m....
$10,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506..0117
(E,p.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
St. John's Community Success Center
Activity
Safe Space
Description
Offers a safe site where children can come together, explore new crafts and skills, and develop positive
social skills supervised by caring adults.
Objective category:
Outcome category:
~ Suitable Living Environment 0 Decent Housing
~ Availability/Accessibility 0 Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 2939 North Stoddard; 1407 N. Arrowhead Avenue
(City, State, Zip Code): San Bernardino, CA 92405
Specific Objective Project 10
Number 21
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.20I(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm/dd/yyyy) Completion Date (mm/dd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 People (General) 120
Local 10 Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
..~g1-QQ.9...........................__
$12,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV / AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 1506-0117
(Exp.4/30/20tt)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Youth Action Project, Inc. (YAP)
Activity
Youth Action Project
Description
Trains 50 AmeriCorp volunteers who in turn provide tutoring and coaching to local high school students
needing extra assistance to pass the California High School Exit Exam. Additionally, members facilitate
workshops and community-benefit projects
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationrrarget Area:
(Street Address): 600 North Arrowhead Avenue, Suite 300
(City, State, Zip Code): San Bernardino, CA 92401
Specific Objective Proj ect IO
Number 22
CO-7
HUO Matrix Code COSO Citation
050 Youth Services 570.201(e)
Type of Recipient COSO National Objective
Sub-recioient, Private LMC
Start Oate (mmldd/yyyy) Completion Oate (mmldd/yyyy)
07/01/2010 06/30120 II
Performance Indicator Annual Units
01 Peonle (Oeneral) 50
LocalIO Units Upon Completion
Funding Sources:
COSO
ESO
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
..~..L5J.QQQ...m.._...__.__.
$15,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HlY / AIDS D Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506-0117
(Exp. 4/l0/201t)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
YMCA of San Bernardino
Activity
Financial Assistance/Scholarship Program
Description
Offers a financial assistance program for programs offered at the YMCA for families in the community
that can not afford to pay for such programs.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailability/ Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 808 East 21" Street
(City, State, Zip Code): San Bernardino, CA 92404
Specific Objective Project ID
Number 23
CD-7
HUD Matrix Code CDBG Citation
05D Youth Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recioient, Private LMC
Start Date (mmldd/yyyy) Completion Date (mmldd/yyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
Units of Assistance 1500
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
...~L2.-,-QQQ._.._................._.
$12,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HJV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Honsing
and Urban Development
OMS Approval No. 2506..0117
(E.p. 4/30/20 II)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Highland District Council on Aging
Activity
Senior Center
Description
Provides a wide variety of Social, Educational, Physical, Nutritional and Transportation services to the
senior population.
Objective category:
Outcome category:
rgJ Suitable Living Environment
rgJ A vailabilityl Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 3102 East Highland Avenue
(City, State, Zip Code): Patton, CA 92369
Specific Objective Proj ect ID
Number 24
CD-8
HUD Matrix Code CDBG Citation
05A Senior Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (nun/dd/yyyy) Completion Date (nun/dd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
Units of Assistance 4500
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.~.1._~J.QQ.<L.........._.__............
$15,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV / AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Honsing
and Urban Development
OMB Approval No. 2506-01 17
(Exp.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Legal Aid Society of San Bernardino
Activity
Legal Aid Clinic
Description
Offers residents access to legal counsel, document preparation for family law, guardianship and
conservatorship actions, education, and procedural assistance at each step of the legal process as well as
educated on their rights and responsibilities.
Objective category:
Outcome category:
~ Suitable Living Environment 0 Decent Housing
~ Availability/Accessibility 0 Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 354 West 6th Street
(City, State, Zip Code): San Bernardino, CA 92401
Specific Objective Project ID
Number 25
CD-9
HUD Matrix Code CDBO Citation
05C Le"al Services 570.20I(e)
Type of Recipient CDBO National Objective
Sub-recinient, Private LMA
Start Date (rnmlddlyyyy) Completion Date (rnmlddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 Peonle (General) 370
LocalID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
...........MMM.............._........................."....
_.~.L2.J.QQ.Q_.._..._._._.......
$12,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV I AIDS 0 Persons with Disabilities D Public Housing Needs
u.s. Department or Dou.jng
and Urban Development
OMB Approval No. 2506-0117
(E.p.4/30/20")
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
San Bernardino Sexual Assault Services, Inc.
Activity
Sexual Violence Prevention
Description
Provide understanding and support to victims of sexual assault/domestic violence through immediate
crisis intervention, one-on-one counseling, hospital/court accompaniment, and advocacy services. 24
hours crisis hotline and prevention education programs; on site counseling and support groups to
schools.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportnnity
o Sustainability
Locationffarget Area:
(Street Address): 444 North Arrowhead Avenue, Suite 101
(City, State, Zip Code): San Bernardino, CA 92407
Specific Objective Project ID
Number 26
CD-IO
HUD Matrix Code CDBG Citation
05G Battered & Abused 570.201(e)
Spouses
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mmldd/yyyy) Completion Date (mmlddlyyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 PeoDle (General) 1700
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.J..L?,..Q9..L..............._.__..
$12,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV/AlDS 0 Persons with Disabilities 0 Public Housing Needs
u.s. Department of Honsing
and Urban Development
OMS Approval No. 2506..0117
(Exp. 4/3012011)
Table 3C
Consolidated Plan Listing of Projects
Jnrisdiction's Name
City of San Bernardino
Priority Need
High
Project
Lorine's Learning Academy/Cornerstone Christian Academy
Activity
Lorine's Learning Academy/Cornerstone Christian Academy
Description
Provides three licensed childcare programs: infant care center; preschool program and school age
program. The academy is a "one-stop" childcare provider. The School Age Program (K_6th) provides
transportation to and from school while on-track.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailability/ Accessibility
D Decent Housing
D Affordabilily
D Economic Opportunity
D Sustainability
Location/Target Area:
(Street Address): 702 West 16th Street
(City, State, Zip Code): San Bernardino, CA 92405
Specific Objective Project ill
Number 27
CD-II
HUD Matrix Code CDBG Citation
05L Child Care Services 570.201(e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mm/ddlyyyy) Completion Date (mm/ddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 PeoDle (Genera]) 85
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_~.1..o.19.QQ__...m_____.__.
$ 10,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV / AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Hon,jng
and Urban Development
OMS Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Knotts Family and Parenting Institution
Activity
Mentoring A Life
Description
Assist at-risk youth with the development of behavior change, life, social and interpersonal skills. Assist
foster youth in achieving excellence and becoming citizens that contribute positively to society.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
D Decent Housing
D Affordability
D Economic Opportunity
D Sustainability
Location/Target Area:
(Street Address): 1505 West Highland Avenue, Suite 19
(City, State, Zip Code): San Bernardino, CA 92411
Specific Objective Project ID
Number 28
CD-7
HUD Matrix Code CDSG Citation
05D Youth Services 570.20 I (e)
Type of Recipient CDSG National Objective
Sub-recipient, Private LMC
Start Date (mmldd/yyyy) Completion Date (mmldd/yyyy)
07/01/2010 06/30120 II
Performance Indicator Annual Units
01 People (General) 100
LocallD Units Upon Completion
Funding Sources:
CDSG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_~..1..?,gQQ...__...........__......__
$12,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
u.s. Department of Honsing
and Urban Development
OMB Approval No. 2506-0117
(Exp. 4/3012011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino Fire Department
Priority Need
High
Project
Fire Department EquipmentlLeases
Activity
Fire Equipment
Description
The Department staffs twelve fire engine companies, two aerial truck companies, one heavy rescue, five
4-wheel drive brush engines, one hazardous material response rig and one medic squad housed in twelve
stations throughout the City
Objective category:
Outcome category:
I2$J Suitable Living Environment
I2$J Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): 201 North E Street
(City, State, Zip Code): San Bernardino, CA 92401
Specific Objective Project ID
Number 29
I-I
HUD Matrix Code CDBG Citation
030 Fire Stations/ 570.201(c)
EauiDment
Type of Recipient CDBG National Objective
Local Government LMA
Start Date (mm1dd/yyyy) Completion Date (mm1dd/yyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
Leases I
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.J~.~.?A.~.~................_......._.
$445,698
The primary purpose of the project is to help; 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
u.s. Department of Housing
and Urban Development
OMB Approval No. 2506-0117
(E.p. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Street and Street Lighting
Activity
Street and Street Lighting
Description
Projects include efforts to extend and widen streets, street resurfacing, construction of curbs, gutters,
sidewalk, handicap ramps, bikeways, right of way acquisition and street lighting systems
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
LocationfTarget Area:
(Street Address): City wide
(City, State, Zip Code): San Bernardino, CA
Specific Objective Project IO
Number 30
1-2
HUD Matrix Code CDBG Citation
03K Street 570.201(c)
Improvements
Type of Recipient CDBG National Objective
Local Government LMA
Start Date (mmldd/yyyy) Completion Date (mmldd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
Proi ects I
LocalIO Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
...~.~.6._~.,1}..?.............................
$464,417
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department oCHonsing
and Urban Development
OMB Approval No. 1506-0117
(Exp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
City of San Bernardino
Activity
Grow San Bernardino Fund SBA 7 A Loan Program
Description
The SBA 7 A-Grow America Fund Program provides loans to small businesses. This program is available
countywide and can provide 100 percent financing for up to $1 million. The program provides long-term,
fixed-rate financing which may be utilized for property acquisition, construction, building renovations or
leasehold improvements, debt refinancing, capital equipment and working capital.
Objective category:
Outcome category:
D Suitable Living Environment
I:8:J Availability/Accessibility
D Decent Housing
D Affordability
I:8:J Economic Opportunity
D Sustainability
Location/Target Area:
(Street Address): City wide
(City, State, Zip Code): San Bernardino, CA
Specific Objective ProjectlD
Number 31
ED-3
HUD Matrix Code CDBG Citation
18A ED Direct Financial 570.203(b)
Assistance to For-Profits
Type of Recipient CDBG National Objective
Local Government LMJ
Start Date (mm/dd/yyyy) Completion Date (mm1dd/yyyy)
07/0112010 06/30/20 I I
Performance Indicator Annual Units
Businesses 2
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.J?.Q,Q,QQ...m.......m..
$50,000
The primary purpose of the project is to help: D the Homeless 0 Persons with HlV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506-0117
(Exp.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
City of San Bernardino
Activity
Section 108 Loan Repayment
Description
Payoff Section 108 loan that was used to relocate tenants to safe and sanitary housing, demolish structures, and
make the land available to a master developer for a retail commercial center. The City is currently renegotiating a
HUD Section 108 Loan for the 20-Plex movie theater (formerly known as the CinemaStar) in the amount of $9
million to repay the original HUD 108 Loan of $4.6 million and provide necessary funds for new technology
upgrades and remodeling by Maya Cinemas North America, Inc.
Objective category:
Outcome category:
o Suitable Living Environment
~ Availability/Accessibility
o Decent Housing
o Affordability
~ Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): City wide
(City, State, Zip Code): San Bernardino, CA
Specific Objective Project ID
Number 32
ED-6
HUD Matrix Code CDBG Citation
19F Planned Repayment 570.204(a)
of Section 108 Loan
Principal
Type of Recipient CDBG National Objective
Local Government LMJ
Start Date (mm/ddlyyyy) Completion Date (mm/ddlyyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
Jobs created/retained 475
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_..~.~.!g~9.Q9......m...__.m...
$410,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department or Bousjng
and Urban Development
OMS Approval No. 2506..0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
CDBG Program Administration
Activity
CDBG Program Administration
Description
CDBG program development, implementation, financial management, monitoring, review of sub-
recipient reporting, plan preparation, noticing, training, IDIS reporting, and consultant services to
update 5-year Consolidated Plan and Analysis of Impediments to fair housing.
Objective category:
Outcome category:
o Suitable Living Environment
o A vail ability/ AccessibiIily
o Decent Housing
o AffordabiIity
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 300 North D Street
(City, State, Zip Code): San Bernardino, CA 92418
Specific Objective Project ID
Number 33
F
HUD Matrix Code CDBG Citation
21 A General Program 570.206
Administration
Type of Recipient CDBG National Objective
Local Government
Start Date (mrnldd/yyyy) Completion Date (mrnldd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_~.?.!g)l..QQ...m..._m..m...
$210,000
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIVI AIDS 0 Persons with Disabilities D Public Housing Needs
u.s. Department ofUou.;ng
and Urban Development
OMB Approval No. 2506-0117
(Exp.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
HOME Program Administration
Activity
HOME Program Administration
Description
HOME program development, implementation, financial management, monitoring, review of sub-
recipient reporting, plan preparation, noticing, training, IDIS reporting, and consultant services to
update 5-year Consolidated Plan and Analysis of Impediments to fair housing.
Objective category:
Outcome category:
o Suitable Living Environment
o Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): 300 North D Street
(City, State, Zip Code): San Bernardino, CA 92418
Specific Objective Project ID
Number 34
F
HUD Matrix Code CDBG Citation
21 A General Program 570.206
Administration
Type of Recipient CDBG National Objective
Local Government
Start Date (mmldd/yyyy) Completion Date (mmldd/yyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
..J1..?2J..~.3..L.._.........
$169,838
The primary purpose of the project is to help: D the Homeless D Persons with HIV I AIDS 0 Persons with Disabilities 0 Public Housing Needs
u.s. Department or Ron.lng
and Urban Development
OMS Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
ESG Program Administration
Activity
ESG Program Administration
Description
ESG program development, implementation, financial management, monitoring, review of sub-recipient
reporting, plan preparation, noticing, training, IDIS reporting, and consultant services to update S-year
Consolidated Plan and Analysis of Impediments to fair housing.
Objective category:
Outcome category:
o Suitable Living Environment 0 Decent Housing
o Availability/Accessibility 0 Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 300 North D Street
(City, State, Zip Code): San Bernardino, CA 92418
Specific Objective Project ID
Number 35
F
HUD Matrix Code CDBG Citation
2lA General Program 570.206
Administration
Type of Recipient CDBG National Objective
Local Government
Start Date (mmlddlyyyy) Completion Date (mmlddlyyyy)
07/0112010 06/30/20 II
Performance Indicator Annual Units
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
..J?/~!..1......_........._..._......_.
$7,911
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506"()lt7
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Code Compliance Neighborhood Revitalization
Activity
Code Compliance Neighborhood Revitalization
Description
Code Compliance strives to improve the residential environment by demolishing the most blighted,
substandard and hazardous buildings. The focal point will be on buildings that have been vacant for an
extended period of time, have deteriorated and become a public nuisance and have lost their viability for
reuse.
Objective category:
Outcome category:
~ Suitable Living Environment
D A vailabilityl Accessibility
D Decent Housing
D Affordability
D Economic Opportunity
~ Sustainability
Location/Target Area:
(Street Address): 300 North 0 Street
(City, State, Zip Code): San Bernardino, CA 92418
Specific Objective Project ID
Number 36
H-4
HUD Matrix Code CDBG Citation
15 Code Enforcement 570.202 (c)
Type of Recipient CDBG National Objective
Local Government LMH
Start Date (mm/dd/yyyy) Completion Date (mm/dd/yyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
Housin!! Units 5000
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_$,..!.J.?.?.?.&1_~,_.____.....__
$1,727,646
The primary purpose of the project is to help: 0 the Homeless 0 Persons with HIV / AIDS 0 Persons with Disabilities D Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506..{)117
(EIp. 4/301201 I)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Neighborhood Housing Services ofthe Inland Empire
Activity
Homebuyer Education
Description
Some new homebuyers and existing owners are not properly informed of the responsibilities of
homeownership and could greatly benefit from educational programs on credit, lending and home
maintenance topics. The City contracts with Neighborhood Housing Services of the Inland Empire
(NHSIE) to provide educational programs.
Objective category:
Outcome category:
o Suitable Living Environment
IZI Availability/Accessibility
IZI Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationffarget Area:
(Street Address): 1390 North D Street
(City, State, Zip Code): San Bernardino, CA 92405
Specific Objective Project ID
Number 37
H-5
HUD Matrix Code CDBG Citation
13 Direct 570.201 (n)
Homeownership
Assistance
Type of Recipient CDBG National Objective
Sub-recipient, Private LMH
Start Date (mm1ddlyyyy) Completion Date (mm1ddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 PeoDle (General) 300
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_~1.~_g!.QgQ.__.._.......__.
$480,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV/AIDS D Persons with Disabilities 0 Public Housing Needs
U.S. Department of Donsjng
and Urban Development
OMB Approval No. 2506-0117
(Exp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Inland Fair Housing and Mediation Board
Activity
Fair Housing/Landlord Tenant Program
Description
The City contracts with the Inland Fair Housing Mediation Board to provide education, dispute
resolution, and legal advising services to San Bernardino owners, landlords, and tenants in conflict.
Objective category:
Outcome category:
o Suitable Living Environment
[gJ A vailabilityl Accessibility
[gJ Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 560 North Arrowhead Avenue, Suite 7A
(City, State, Zip Code): San Bernardino, CA 92401
Specific Objective Proj ect ID
Number 38
H-12
HUD Matrix Code CDBG Citation
05J Fair Housing 570.201 (e)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMA
Start Date (mmldd/yyyy) Completion Date (mmldd/yyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 Peoole (General) 150
Local ID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
J?}l9.9.9._........................
$53,000
The primary purpose of the project is to help: 0 the Homeless D Persons with HIV/AIDS D Persons with Disabilities 0 Public Housing Needs
U.S. D~partment of Housing
and Urban Development
OMS Approval No. 2506-0117
(Esp. 4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Central City Lutheran Mission
Activity
Winter Shelter
Description
The Mission operates an annual winter shelter for homeless men. It is currently the only place in the City
of San Bernardino where homeless men are welcomed for the evening. Funds will be used for operations
and maintenance.
Objective category:
Outcome category:
~ Suitable Living Environment 0 Decent Housing
~ Availability/Accessibility 0 Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 1354 North "G" Street
(City, State, Zip Code): San Bernardino, CA 92405
Specific Objective Proj ect ID
Number 39
CD-I
HUD Matrix Code CDBG Citation
3C Homeless Facilities 570.201 (c)
Type of Recipient CDBG National Objective
Sub-recipient, Private LMC
Start Date (mmlddlyyyy) Completion Date (mmlddlyyyy)
07/01/2010 06/30120 II
Performance Indicator Annual Units
01 People (Genera]) 100
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
_.~L~J.??.L_.........__.........
$15,823
The primary purpose of the project is to help: fZI the Homeless 0 Persons with HIV/AIDS D Persons with Disabilities 0 Public Housing Needs
u.s. Department oCHousing
and Urban Development
OMS Approval No. 2506-0117
(Exp.4/301201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Foothill AIDS Project
Activity
Homeless Advocacy Program (HAP)
Description
Foothill AIDS Project's Homeless Advocacy Program (HAP) acts on behalf of clients and is responsible
for maintaining correspondence and relationships with property owners to build a strong network of
affordable housing options for individuals and families who are homeless and/or at risk of homelessness.
Objective category:
Outcome category:
~ Suitable Living Environment
~ A vailabilityl Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
LocationlTarget Area:
(Street Address): 364 Orange Show Lane
(City, State, Zip Code): San Bernardino, CA 92408
Specific Objective Project 10
Number 40
CD-I
HUD Matrix Code CDBG Citation
5 Public Service 570.201 (e)
I (l!eneran
Type of Recipient CDBG National Objective
Sub-recioient, Private LMC
Start Date (mm1ddlyyyy) Completion Date (mm1ddlyyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 Peonle (General) 20
Local 10 Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
.J.1..~J..~QQ...._...____._..._
$16,800
The primary purpose of the project is to help: [8] the Homeless ~ Persons with HIV I AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Housing
and Urban Development
OMB Approval No. 2506~117
(Exp.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
RehabilitationlRenovation of Emergency Shelters
Activity
Rehabilitation/Renovation of Emergency Shelters
Description
This program will provide funding for some much needed rehabilitation of the City's emergency shelters.
Objective category:
Outcome category:
[8] Suitable Living Environment
[8] Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Locationrrarget Area:
(Street Address): Citywide
(City, State, Zip Code): San Bernardino, CA
Specific Objective Project ID
Number 41
CD-I
HUD Matrix Code CDBG Citation
3C Homeless Facilities 570.201 (c)
Type of Recipient CDBG National Objective
Local Government LMA
Start Date (mm/ddlyyyy) Completion Date (mm/ddlyyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
Facilities I
LocallD Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
J?9,9??.._.............
$50,072
The primary purpose of the project is to help: [gJ the Homeless 0 Persons with HlV/AIDS 0 Persons with Disabilities 0 Public Housing Needs
U.s. Department of Housing
and Urban Development
OMS Approval No. 2506-0117
(Exp.4/30/201l)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Salvation Army
Activity
Hospitality House
Description
Hospitality House is an emergency shelter for homeless families and for mothers with children. During
winter months, the shelter also accommodates homeless men. The facility has a total capacity of 70 beds
and offers a 14-day emergency stay.
Objective category:
Outcome category:
[gJ Suitable Living Environment
[gJ Availability/Accessibility
o Decent Housing
o Affordability
o Economic Opportunity
o Sustainability
Location/Target Area:
(Street Address): 845 West Kingman Street
(City, State, Zip Code): San Bernardino, CA 92410
Specific Objective Project ID
Number 42
CD-I
HUO Matrix Code COSO Citation
5 Public Service 570.201 (e)
(general)
Type of Recipient COSO National Objective
Sub-recipient, Private LMC
Start Date (mmlddlyyyy) Completion Date (mmlddlyyyy)
07/01/2010 06/30/20 II
Performance Indicator Annual Units
01 People (General) 1000
Local ID Units Upon Completion
Funding Sources:
COSO
ESO
HOME
HOPW A
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
...~.L?J~.?.L_..._.............._.
$17,471
The primary purpose of the project is to help: [8J the Homeless 0 Persons with HIV/AlDS 0 Persons with Disabilities 0 Public Housing Needs
U.S. Department of Honsing
and Urban Development
OMS Approval No. 2506-0117
(Exp.4/30/2011)
Table 3C
Consolidated Plan Listing of Projects
Jurisdiction's Name
City of San Bernardino
Priority Need
High
Project
Operation Grace
Activity
Homeless Prevention and Food Distribution Program
Description
Operation Grace provides transitional and emergency shelter, low-income housing, food distribution,
referrals, and job training, and case management. The organization also provides counseling for clients
recovering from drug addiction.
Objective category:
Outcome category:
~ Suitable Living Environment
~ Availability/Accessibility
D Decent Housing
D Affordability
D Economic Opportunity
D Sustainability
Location/Target Area:
(Street Address): 1595 East Art Townsend Drive
(City, State, Zip Code): San Bernardino, CA 92408
Specific Objective Project ID
Number 43
CD-2
HUD Matrix Code CDBG Citation
5 Public Service 570.201 (e)
( "eneral)
Type of Recipient CDBG National Objective
Sub-recioient, Private LMC
Start Date (mm1ddlyyyy) Completion Date (mm1dd/yyyy)
07/01/2010 06/30/2011
Performance Indicator Annual Units
01 Peonle (General) 6
LocalID Units Upon Completion
Funding Sources:
CDBG
ESG
HOME
HOPWA
Total Formula
Prior Year Funds
Assisted Housing
PHA
Other Funding
Total
....g?,QQ...---........--.....-..
$7,500
The primary purpose of the project is to help: [8J the Homeless 0 Persons with HIV / AIDS 0 Persons with Disabilities 0 Public Housing Needs
Appendix E:
Proof of Publication
SAN BERNARDINO COUNTY SUN
4030 N GEORGIA BLVD, SAN BERNARDINO, CA 92407
Telephone (909) 889-9866 I Fax (90S) 885-1253
Lisa Connor/ShereeMeler
ECONOMIC DEVELOPMENT AGENCY-CI
201 NORTH E ST #301
SAN BERNARDINO, CA - 92401
PROOF OF PUBLICATION
(2015.5 C.C.P.)
State aI CaDforni. )
County aI SAN BERNARDINO ) 55
Notice Type: GPNSB - GOVERNMENT PUBLIC NOTICE-SB
Ad DescrlpUon: 5 year i~emenlalon Plan Meeting
I em. dlzen of the llnltsd SIB... and a reoldanl of the SlBIa of COllomla; I em
over tha 8(je of eighteen yea... and not a party 10 or InIarealad In the above
entitIad metter. I em the plIncfpai clerk of the p~nter and publisher of the SAN
BERNARDINO COUNTY SUN, a newspaper published In the English language
In the clIy of SAN BERNARDINO. counly of SAN BERNARDINO, and adjudged
a newspaper of general cirouIalloo as delJnad by lhalaws of the S1a1ll of
Celi10mla by the Supellor COUrt oflhe County of SAN BERNARDINO, Slide of
CaIlfomIa, under dala Oll/l!Oll952, Case No. 73084. That the notice, of YotlJch
the ennexed Is a printed copy, has bean published In eeoh regular and anlre
Issue of said newspeper end not In any supplement thereof on the IoIIowlng
dates, to-Nt:
01/1112010,01/1812010
Executed on: 01/1812010
At Los Angeles, CaiKorrla
I certffy (or declare) under penalty of pedury that the foregoing 15 true and
correct.
JI'O,e,. J (UUJ
01~
Signature
Ttls speee IOfIlllntl Sl8fIIpanly
5BS#: 1773673
CITY OF I=BI!p!RDINO
HOUIING, C U Y':I.!'I!DS.
and Fair HGV ftII ork"l~
ThU"~ January 21, 2010
Tho CllY Of scin30I.~ardl~lnvItOI
your participation In a wo IIop to
dl...,.. communllY d.... oPlnant.
hOUII~. lair Doualnall_1
The C of Sa Bemordlno recefves
neorlv .5 mURon annually from the
federal government for housIng,
communIty deVeloPment. and
Infrastructure prolects. we need your
Inout to helo determine houslns and
communltv needs In your communHv
for lutu... lundlns. In addition, we
Invite YOU to discuss any fair housing
concerns you may have. Fair HOUSing
means equal access to houllng
reUQrdles$ of race, color, naflonal
origIn, ancestrr.' religion, sexl
disability, faml! 01 stat~ morlta
status., source of Income, or sexual
orlentotJon.
This workShOP will be _held os part of
the Communttv DevelOPment Citizens
Advllory Committee meeting held 01:
CItV Of Ian Bornardlno
Economic Pf.1!8Jt"rWt Avencv
EDA Boa~ 1t1.im (;;"(rd Floor)
"If YOU require special arrangements.
please contact
the Economic Development Agency at
(909)663.104-l
1I11,I/1l1'10
IBS-I773673#
I IIIII~ II~ 1111 II~ II~ 1111111111111111111 ~IIIIIIIII 1111 III
* A 0 0 000 1 5 1 1 3 7 8 *
Proof of
Publication
(201.15.5 c.c.P.)q
Sf ATE OF CALIFORNIA.
55
County of San Bernardino.,
I declare u~der penalty of perjury that:
I am a citizen of the United States And a resident of the County
aforesaid: I am over the age of eighteen }'ears, and not a party to nor
interested. in the above entitled matter. 1 am the principal clerk of
the printer of the HI Chicano Community Newspaper, a newspapet
prinb!d and published weekly in the Oty of San Bernardino, County
of San Bernardino and which newspaper has petitioned the Superior
Court of said county for determlnation as a newspaper of general
circulation being case no. 154019; dated May. 1,1972, that the Notice
of Application for Determination as 11 Newspaper of General
Circulation and IJetitlon for Detennination as a Neo.vspaper of
General Circulation, of which the annexed is a printed copy, has
been published in each regular and entire issue of said newspaper
and not in any supplement thereof on the following dates. to-wit:
January 14, 21, 2010
1 certify under penalty of perjury tbat tbe foregoing I. true and
correct.
Dated: January 21, 2010
Signarure t;)~ ~
~.
EI Chicano Newspaper
P.O. Box 6247
San Bernardino, California 92412-6247
Phone (909) 381-9898.384.0406 FAX
SAN BERNARDINO COUNTY SUN
4030 N GEORGIA BLVD, SAN BERNARDINO, CA 92407
Telephone (909) 889-9889 I Fax (909) 885-1253
Lisa Connor
ECONOMIC DEVELOPMENT AGENCY-CI
201 NORTH E ST #301
SAN BERNARDINO, CA - 92401
PROOF OF PUBLICATION
(2015.5 C.C.P.)
State of California )
County of SAN BERNARDINO ) 55
Noijce Type: GPNSB . GOVERNMENT PUBLIC NOTICE-8B
"" Desalpt1on: COBG Hearings
I em a c1llzen of Ihe United States and a resident of the Slate of CalIfornIa; I am
over IIle age of elghteen yea"" and not a party to or InlaleSted In the above
enutlod mallar. lam the principal clad< 01 the printer end publisher of the SAN
BERNARDINO COUNTY SUN, a newspaper publl8hod In the EngIIoh language
In tho clly of SAN BERNARDINO, coooty of SAN BERNARDINO, and adjudged
e newspaper of genera' cIlCUIatloo as defined by the laws of the State of
eenfomla by the Superior Court of the county of SAN BERNARDINO, Slate of
Callfomie, under date 06/2011952, Ceae No. 73084. That the nollce. of WhIch
the _ed Ia a printed copy, has been publiahed In each regular and enUre
issue of aokl newspaper and not In any oupptemant thereof on !he _ng
dotes. to-wit:
0112512010
Executed on: 0112M!OIO
At Los Angeles, CaHromla
I certify (01' declar'e) under penalty of peljury that. the foregoing Is true and
correct.
f(e~ JM1
110
Slgnoture
Ttft$J**kltlilnQstlImpody
S88#: 1783625
PUBLIC NOTICE
CITY OF $AN BERNA't~ 201~
U1Mf.~NSOhJJOI~D p~r A~~
~~ll~~ D~~PMEN;:
BLOCK GdT HOME!
IIESTltNT ;,I:tTNERSHIPS
A DEER E y' SHELTER
G NTP OB
Nollce Is h,,",bV given fhat lhe
Community Development CItizens
Advtsory commlnee (.CDCAC.) will
conducl a Public Hoorlng 10 Interview
applicants. deliberate aM determine
funding recommendations far the
Movor (lnd Common counctJ of the
City of SOn Bernardino for The 2010-
2011 CommuniTY DevelllPll18nt Block
Grant POrllon of the Annl/OI Plan.
The Hearing will be held at 8:30 a.m.
an February II, 201e Qllhe Economic
Oeveh)pment AgencY located ot 201
North'eo Slreet, Suite 301 In the City of
SOn bernardino.
The CDCAC will ar.. discuss and
receive comment(s) on the proPOSed
201M011 Annual Action Plan.
Any Interested citizen wishing to
comment on the Hearlno or the
Pl'O\lOratlon oflhe Draft consolidated
Plan may dO so bY written commenta
no later than 3:00 p.m", on FebrUary 5,
2010.
1JW10
5BS-I78:15211"
IIIIIIIIIIIIIIIIIIIIII~ IIIIIII~IIIIIIIII~III~ IIIIIII
* A 0 0 000 1 520 5 6 4 *
SAN BERNARDINO COUNTY SUN
4030 N GEORGIA BLVD. SAN BERNARDINO. CA 92407
Telephone (909) 889.9666 I Fex (909) 885-1253
Lisa connor/Sheree Meier
ECONOMIC DEVELOPMENT AGENCY-CI
201 NORTH E ST #301
SAN BERNARDINO, CA - 92401
PROOF OF PUBLICATION
(2015.5 C.C.P.)
State of California )
County of SAN BERNARDINO ) ss
Notice Type: GPNSB . GOVERNMENT PUBLIC NOTICE.SB
fvj Description: 2010.2016 Consolidaled Plan
I am a cillzen of the United stales and a resldenl 01 the state of Callfomla; 1 em
over !he age of eighteen years. and 001 a party 10 or Interested In the above
enUlled mailer.' am file prfnclpal clerk of the printer and publisher of file SAN
BERNARDINO COUNTY SUN. a newspaper published In Ihe English language
In the city of SAN BERNARDiNO. county of SAN BERNARDINO. and adjudged
a newspaper of general cllt:ulaUon as defined by lhe laws of tho Slala of
Callfomla by the Superior Court of tile County of SAN BERNARDINO, stale of
Oallfomla. under date 06/2011962. case No. 73084. That the notice, of which
the aMexed 18 a prIIried copy, has been published In each "'sular and enI1'"
issue of aold newspaper and nOlIn any supplement fIlereol on the IoIfowIng
dates, Io.wit:
0310912010
Executed on: 0310912010
At l.Ds Angeles, Caifor"'s
1 certify (or declare) under penalty of perjury that the foregoing Is true and
correct.
This 'FNIC& lor liling SUlmp ~y
SBS#: 1807761
PUBLIC NOTICE
CITY OF SAN BERNARDINO
20111-2015 CON80LIDAIED PLAN
AND 2010-2011 ANNUA PLAN OF
ENTITLEMENT FUNDS -
COMMUNITY DEVELOPMENT
r,r$i!\MENTGRAl11lnNER~~ft.~
AND EMERGENcy SHELTER
GRANT PROGRAMS
No1lce Is hereby 91ven thot the
Community Development Citizens
AdvIsory COmml1tee will canduct 0
Public Hearing to review the proposed
draft Consolidated Plan fOr the Mayor
and Common Coundl of the City of San
Bernardino.
The Hearing wlll be held ot6:00 p.rn..
on March 25, 2010 at the Economic
Development Agency located at 201
North 'E' Street. Suite 301 In the CIty of
San Bernardino.
Any interested citizen wishing to
comment on the Hearing Droft
Consolidated Plan may do so by
written comments no later than 3:00
p.m.. on March 25.2019.
NOTICE given fhls 3 day of March
2010.
aI'I/1O
5BS-1807761#
l.'/',,, --rOAtII
lll.,..i.""V c,) rl
~
SignallKEl
IIIIII~ Illl~ 1~llm II~ III~ ~III~~ IIIII III ~IIIIIIII~ II~
* A 0 0 0 0 0 1 581 786 *
CALIFORNIA NEWSPAPER SERVICE BUREAU
DAILY JOURNAL CORPORATION
Mailin9 Address: 915 E FIRST ST. LOS ANGELES. CA 90012
Telephone (213) 229-5300 / Fax (213) 229-5481
Visit us @ WWW.DAILYJOURNAL.COM
Lisa Connor
ECONOMIC DEVELOPMENT
AGENCY-CITY
201 NORTH EST #301
SAN BERNARDINO, CA 92401
COPY OF NOTICE
Notice Type:
Ad Description
GPNSB GOVERNMENT PUBLIC NOTICE.SB
Con Plan
To the right is a copy of the notice you sent to us for publication in the SAN
BERNARDINO COUNTY SUN. Please read this notice carefully and call us
with any corrections. The Proof of Publication wilt be filed with the County
Clerk, if required, and mailed to you after the last date below. Publication
date(s) for this notice is (are):
03130/2010 . 04/18/2010
The charge(s) for this order is as follows. An invoice will be sent after the last
date of publication. if you prepaid this order in fulL you will not receive an invoice.
Publication
Total
$1755.60
$1755.60
California Newspaper Service Bureau I Daily Journal Corporation
Serving your legal advertising needs throughout California.
LOS ANGELES
OAKLAND
RIVERSIDE
SACRAMENTO
SAN DIEGO
SAN FRANCISCO
SAN JOSE
SANTA ANA
SANTA ROSA
(213) 229-5300
(510) 272.4747
(951) 784-0111
(916) 444.2355
(619) 232-3486
(600) 640-4629
(408) 287.4866
(714) 543-2027
(707) 545-1166
11111111 1111 11111111111111111111 ~III 11111111111111111111111111111111111111
* A 0 0 0 0 0 1 6 0 5 381 *
SBS# 1823030
PUBLIC NOTICE
CITYOF SAN BERNAROINO
2010.2015 CONSOLIDATED PLAN
AND 2010-2011 ANNUAL PLAN OF
ENTITLEMENT FUNDS 2010.2015
ANALYSIS OF IMPEDIMENTS TO
FAIR HOUSING CHOICE -
COMMUNITY DEVELOPMENT
BLOCK GRANT. HOME
INVESTMENT PARTNERSHIPS
AND EMERGENCY SHELTER
GRANT PROGRAMS CITY OF SAN
BERNARDINO ECONOMIC
DEVELOPMENT AGENCY
NOTICE IS HEREBY GIVEN fhaf
the Mayor and Common Council will
holda Public Hearing on Monday,
May 3, 2010 at 4:30 p.m., or shortly
thereafter, in the City Council
Chamber, to receive oral and written
comments on the draft 2010-2015 Five
Year Consolidated Plan, the 2010-2011
Annual Consolidated Plan, and
Analysis of Impediments to Fair
Housing Choice.
CONSOLIDATED PLAN SUMMARY
The Consolidated Plan is a
comprehensive five-year strategy that
addresses the use of local funds,
federal grant entitlement funds (such
as Community Development Block
Grant (CDBG) Program, HOME
investment Partnership Act Program
(HOME), and Emergency Shelter
Grant (ESG) Program) for the
purpose of meeting the goals of
providing decent housing, a suitable
living environment, and expanded
economic opportunities, principallY
for low- and moderate-income persons.
The Consolidated Plan is composed of
three ports: 1) The first section of the
Consolidated Plan evaluates the
Housing and Community Development
Needs and includes an assessment of
housing needs for very low, and low-
and moderate-Income, including the
needs of the homeless population. In
addition, 0 housing market analysis
was completed that includes a review
of housing conditions. 2) Based on this
information, 0 five-vear strategic plan
was developed which includes
priorities for assisting categories of
residents by income level, obiective
statements, proposed programs, as
well os expected accomplishments
within the next five vears. 3) An
Annual Action Plan was developed
that provides a one-year investment
plan and outlines intended use of
resources, sets goals for the number of
individuals and families to be assisted
by income level, and describes
activities to be undertaken. At least 70
percent of the total funds received
each vear are allocated to octivities
benefiting low- and moderate-income
persons.
ANNUAL ACTION PLAN . The
Annual Action Plan combines the
annual application and reporting for
three federal grant programs; CDBGi
HOME, ESG. Section 108 Loan
Guarantee, Float Loons and other
grants. Per the City's Citizen
Participation Pion component of the
Consolidated Plan, the Community
Development Citizen Advisory
Committee (CDCAC) met on February
8, 2010 to consider prOjects and
activities for use of federal funds. The
CDCAC's recommendations to the
Mayor and Common Council are
incorporated into the draft Annual
Action Pion and will be considered by
the Mayor and Common Council at the
public hearing for the Annual Action
Plan.
ANALYSIS OF IMPEDIMENTS TO
FAIR HOUSING (AI) - The City has
undertaken on analYSis of potential
impediments that may affect fair
housing choice In the city based on
race, color, ancestry, national origin,
religion, sex, disability, familial
status, marital status, source of
income, sexual orientation, or any
arbitrary factor. The Al reviews and
analyzes the following information and
issueS/concerns: Analysis of the city'S
demographic profile, income
distribution, housing stock
characteristics, and access to pUblic
transportation to determine the
development of housing patterns in
relation to race, ethniclty, income, and
other Characteristics; Evaluation of
fair housing complaints and violations
to identifY trends and patterns;
Analysis of publiC and private
activities that may impede fair
housing choice in the City including,
but not limited to: Housing brokerage
services and financing assistance;
Public policies and actions affecting
the construction of affordable housing;
and Administrative policies
concerning community development
and housing activities; Assessment af
current pUblic and private fair housing
programs and activities; Provision of
conclusions and recommendations to
further fair housing choice in the City.
THE ANNUAL ACTION PLAN
CONTAINS THE FOLLOWING
PROPOSEO PROJECTS:
The estimated federal fund allocations
stated below are estimates and based
upon the amount the City received last
year. For this year's application
purposes only and depending on the
2010-2011 HUD allocation of funds,
these estimates of the federal
allocation may be reduced or
Increased depending on HUD's final
approved budget. As a result, all
prOiect allocations will be adiusted
accordingly.
It is estimated that the City will
receive $3,602,903 In CDBG funds,
$1,709,310 in HOME funds, $155,989 In
ESG funds for FY 2010-2011. Proposed
profects for each funding source,
effective July 1, 2010, ore outlined
below:
I. Community DeveloDment BlOCk
wo..!y
1 Shlfa Clinic, Inc., $15,000; 2)
Asian American Resource Center,
$15,000; 3) Assistance League of Son
Bernardino, $12,000; 4) BOYS & Girls
Club of Redlands, $5,000; 5) BOYS &
Girls Club of San Bernardino, $15,000;
6) Central City Lutheran Mission,
$12,000; 7) Child Advocates of SB
Counfy, $12,000; 8) Children's Fund,
Inc., $12,000; 9) Frazee Community
Center, $12,000; 10) Gang Reduction
Intervention Team, $15,000; 11}
Highland District Council, $15.000; 12)
Home of Neighborly Service, $15,000;
13) Inland AIDS Project, $10,000; 14)
Knotts Family and Parenting Inst.,
$12,000; 15) Legal Aid of San
Bernardino, $12,000; 16) Lorine's
Learning Academy, $10,000; 17)
MarY's Mercy Center, S15,000; 18)
Option House, Inc., $15.000; 19) Proiect
Life Impact, Inc., $10,000; 20) San
Bernardino Medical Center, S10,000;
21) Son Bernardino Notional Forest
Assoc, $15,000; 22) San Bernardino
Sexual Assault Services. $12.000; 23)
Santa Claus, Inc., $10,000; 24) Sinfonia
Mexlcana, $10,000; 25) St. John'S
Community Success Center, $12,000;
26) Time for Change Foundation,
$15,000; 27) YMCA of San Bernardino,
$12,000; 28) Youth Action Proiect.
$15,000; Sub. Total $350,000.
II. Pr 5e 0 5-
ns
e n orcemen, 1,542,646;
2) Fire Department Leases,
$375.698; 3) National Development
Corporation. $50,000; 4) Fair HOUSing
(Mandatory), $53,000; 5) Section 108,
$410,000; 6) Target Area Street
Improvements, $421,559; 7) Other
Public Services, $137,000; CDBG
Administration, $210,000; 8)
Unprogrammed CDBG $53,000.
III. ~eDroarammlna of StOB~ Funt
Fun s are propose 0
reprogrammed from proiects
completed under bUdget and/or
cancelled activities or proiects from
the fOllowing projects: 1) East King St
Improvements (FY05-06), $200,000.00;
2) YWCA Install Security Fence
(FY05-G6), $49,723.26; 3) Operation
Phoenix Expansion (FY07-QS),
$146,000.00; 4) Miracles in Recovery
(FY08-Q9), $12,500; 5) Provisional
Educational Services (FY08-Q9),
$12,500; 6) Servanf's Heart Outreach
(FY08-G9). $10,250; 7) Westside
Brighter Vision (FYOS-G9). $179.62; 8)
Youth Hope (FY08-G9), $310.72. Total
reallocotion of funds: $431,463.60. The
$.431,463.60 in reallocatedCDBG funds
are proposed to be allocated os
follows: 1) Code Enforcement
Demolition (FY10-11), $200.000.00; 2)
Target Area Street Improvements
(FY10-11), $231,463.60.
IV. E Invest 1
Act ecomme 0 0 5
e 0 owing ore the proposed
allocations from the $1,709,310 in
federal HOME Investment
Partnership Act: 1) HOME
Administration (10%), $170,931; 2)
HOME to Qualified Community
Housing Dev Org. (15%), $256,396; 3)
Homebuyer Assistance Program and
Education, $.480,000; 4) CHDO
Operations and Capacity Building
(5%), $85,465; Other Housing
Programs/Activities. $716,518.
v. Emerae3cf; Shelter Grant (ESGl
R~com~en g Ions
T e to lOWing are the proposed
allocation from the $155.989 in
Emergency Shelter Grant funds: 1)
Central City Lutheran Mission
(Operations/Maintenance), $15,598; 2)
Foothill AIDS Prolect (Homeless
Prevention, $16,800; 3) Frazee
Homeless Shelter (Homeless
Prevention). $12.660; 4) Mary's Mercy
Center (Essential Services). $10,000;
5) Operation Grace (Homeless
Prevention), $7,500; 6) Option House,
Incorporated (Essential Services),
$10,000; 7) Solvation Army (Essential
Services), 16,796; 8) Time for Change
(Essential Services), $10,000; 9) ESG
Administration, $7,800; 10)
Renovation/Rehabilitation, $48,835.
PAST USE OF FUNDS. Information
on the City's past use of CDBG,
HOME. and ESG funds may be found
at the City of San Bernardino.
Economic Development Agency
Office.
DISPLACEMENT OF LOW. TO
MODERATE.INCOME
HOUSEHOLDS If displacement
occurs, the City or Agency will
implement and comply with policies
and procedures consistent with State
and Federal relocation and acquisition
statues.
PLAN AVAILABILITY. The droll
Five Year Consolidated Pion, Annual
Action Plan and AI will be available
for public review and comment from
March 30, 2010 through April 30, 2010,
in the following locations:
Feldheym ~ibrarY:
555 West 6 Street
Citv of San Bernardino, City Clerk's
Office: 300 North liD" Street, 20(1 Floor
Economic Development Agency: 201
North "E" Street, Suite 301
In compliance with the American with
Disabilities Act, if vou require special
assistance to participate in this
meeting, please calf (909) 663-1044, 48
hours prior fo the meeting fo ensure
that accommodations can be made.
This notice Is prepared in compliance
with the Citizen Participation Plan and
24 CFR 91-105 and 570 and 570.302
CDBG Implementing Regulations.
Oral and written comments may be
directed and provided not later than
3:00 p.m., Thursdav, April 30, 2010 to
the Citv of Son Bernardino, Economic
Development Agency, 201 North 'E'
Street, Suite 301, Son Bernardino,
California 92401. (909) 663-1044. or oral
comments may also be made at the
public hearing on Mondav. May 3, 2010
at 4:30 p.m.
NOTICE given this 24th dOY of March
2010.
3130.4/18110
585.1823030#
City of San Bernardino
Economic Development Agency
201 North E Street, Suite 30 I
San Bernardino, CA 9240 I
[ANALYSIS OF IMPEDIMENTS
TO FAIR HOUSING CHOICE]
This page left intentionally blank.
City of San Bernardino
2010-2015 Analysis of Impediments to
Fair Housing Choice
March 2010
City of San Bernardino
Economic Development Agency
201 North E Street, Suite 301
San Bernardino, CA 92401
(P) (909) 663.1044
(F) (909) 888.9413
This page left intentionally blank.
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Signature Page
, hereby certify that this San Bernardino Regional
to Fair Housing Choice represents
's conclusions about impediments to fair housing
choice, as well as actions necessary to address any identified impediments.
I,
Analysis
of
Impediments
Name
Date
Title
This page left intentionally blank.
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table of Contents
Chapter 1: Introduction ....................................................................................... 1
A. Purpose of the Report..................................................................................... 1
B. Legal Framework ........................................................................................... 2
C. Fair Housing Defined ...................................................................................... 4
D. Impediments Defined.. ............. ....... .......... .......... .......... .......... .......... ..............4
E. Scope of Analysis.. ........... ................... .................... .......... ................ ............5
F. Lead Agency and Funding Sources................................................................... 5
G. Data and Methodology ................................................................................... 5
H. Organization of the Report .............................................................................. 6
I. Public Participation........ ......... ...... ...... .................... .......... .................... .......... 7
Chapter 2: Community Profile ............................................................................ 15
A. Demographic Profile ..................................................................................... 15
B. Income Profile ............................................................................................. 21
C. Household Profile.......... ....... ............ .......... ........... ......... .................... ..........24
D. Special Needs Populations ............................................................................ 25
E. Housing Profile............................................................................................ 32
F. Housing Costs and Affordability..................................................................... 36
G. Public and Assisted Housing Profile................................................................ 40
H. Community Facilities .................................................................................... 43
I. Licensed Community Care Facilities................................................................ 44
J. Public Transportation. ........................ ...... ....... ................ ................. ..... ........ 47
Chapter 3: Lending Practices..............................................................................51
A. Background. ............... ...... ..... .............. ................... ..... .............. ............. ..... 51
B. Conventional Home Loans............. ...... .............. ...... .......... ...... ............... ....... 52
C. Government-Backed Home Loans................................................................... 59
D. Major Lenders Serving San Bernardino............................................................ 60
E. Lending by Census Tract and Tract Characteristics........................................... 63
F. Sub.Prime Lending.. .......... ............ ....... ................. ......... ............... ............... 64
G. Purchased Loans............... ........................... ................. .................... ...........66
H. Predatory Lending........ ........ ............. ............ .................. ......... ............. ....... 67
I. Refinancing.. .......... ........... ...... ............. .............. ......... ..... ...... ....... .............. 69
J. Foreclosures... .............. ............. ............. ................. ......... .................. ......... 70
Chapter 4: Public Policies................................................................................... 73
A. Policies and Programs Affecting Housing Development ..................................... 73
B. Variety of Housing Opportunities................................................................... 78
C. Building, Occupancy, Health and Safety Codes................................................ 84
D. Affordable Housing Development................................................................... 85
E. Policies Causing Displacement or Affect Housing Choice of Minorities and Persons
with Disabilities........................................................................................... 89
F. Equal Provision of and Access to Public Services ............................................. 91
G. Access to Transit......... .............. ...... ..... ............. ............. ..... .......... .......... .... 91
H. ADA Compliant Public Facilities (Section 504 Assessment) ............................... 92
Table of Contents
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
I. Local Housing Authority............................................................................... 92
J. Community Participation ............................................................................... 93
K. Housing and Community Development Policies and Programs............................ 96
L. Administrative Policies............... ............... ............ ....... ...................... ......... 101
Chapter 5: Fair Housing Practices ..................................................................... 103
A. Fair Housing Practices in the Homeownership Market..................................... 103
B. National Association of Realtors@ (NAR)........................................................ 108
C. California Department of Real Estate (ORE) ................................................... 109
D. California Association of Realtors@ (CAR) ...................................................... 109
E. Local Realtor@ Associations......................................................................... 110
F. Fair Housing Practices in the Rental Housing Market....................................... 110
G. Fair Housing Services .................................................................................114
H. Fair Housing Statistics................................................................................ 116
I. Testing ..... ........... ......... ....... .......... .......... .... ... ... .... ...... ... .... .......... ......... ... 119
J. Hate Crimes...... ....... ....... ............ ......... ..... ....... ........ ....... .... ... ...... ........ ..... 119
K. NIMBYism ................................................................................................ 120
Chapter 6: Progress Since 2006....................................................................... 123
A. Expanding Affordable Housing Opportunities ................................................. 123
B. Rehabilitation Assistance............................................................................ 124
C. Public Policies and Programs Affecting HDusing Development.......................... 125
D. Access to Financing ................................................................................... 126
E. Fair Housing Services and Outreach ............................................................. 126
Chapter 7: Impediments and Recommendations.................................................. 129
A. Continued Impediments and Recommendations.............................................. 129
B. Updated or New Impediments and Recommendations..................................... 130
Appendix A: Public Outreach
Appendix B: HMDA by Census Tract
Appendix C: County HMDA Tables
Table of Contents
ii
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Ust ofTables
Table 1: Community Development Needs Survey Results .......................................13
Table 2: Documented and Projected Population Growth ......................................... 16
Table 3: Persons by Age San Bernardino - 2000 and 2008..................................... 17
Table 4: San Bernardino Race or Ethnicity - 2000 and 2008...................................18
Table 5: Race and Ethnicity by Person and Household. 2008................................. 18
Table 6: Racial Integration 2000.........................................................................19
Table 7: HUD Income Definitions ........................................................................ 21
Table 8: Household Income by Race/Ethnicity. 2000............................................ 22
Table 9: 2008 Annual Average Unemployment Rate.............................................. 22
Table 10: San Bernardino City/County Household Type and Si2e - 2008 .................. 24
Table 11: Elderly Profile..................................................................................... 25
Table 12: Low Income Senior Housing in the City of San Bernardino ....................... 26
Table 13: Disability Types found in Adult Civilian Population (Aged 18+) - 2008...... 27
Table 14: Large Household Profile....................................................................... 29
Table 15: Homeless Partnerships ........................................................................ 31
Table 16: Housing Growth - 2000.2009.............................................................. 32
Table 17: Housing Type - 2009..........................................................................33
Table 18: Housing Tenure. 2008.......................................................................33
Table 19: Age of Housing Stock - 2008 .............................................................. 34
Table 20: Housing Stock Deficiencies. 2008 ....................................................... 34
Table 21: Number of Units with LBP Occupied by Low/Moderate Income Households 36
Table 22: Median Home Prices 2009................................................................... 36
Table 23: San Bernardino County Housing Affordability ......................................... 38
Table 24: Housing Cost by Tenure - 2000 ...........................................................38
Table 25: San Bernardino City/County Overcrowding. 2008.................................. 39
Table 26: San Bernardino Overcrowding by Tenure Type. 2008............................. 39
Table 27: Public Housing Resident Demographics .................................................41
Table 28: Demographics of Housing Choice Voucher Participants and Waiting List ....42
Table 29: Federally Assisted Multi-Family Housing ................................................ 43
Table 30: Licensed Community Care Facilities 2009..............................................44
Table 31: Omnitrans Fixed-Route Lines................................................................ 48
Table 32: Major Employers in San Bernardino 2008 ..............................................49
Table 33: Disposition of Conventional Home Purchase Loan Applications by Race of
Applicant - 2003 .............................................................................................. 53
Table 34: Disposition of Conventional Home Purchase Loan Applications by Race of
Applicant. 2008 .............................................................................................. 54
Table 35: Disposition of Conventional Home Purchase Loan Applications by Income of
Applicant - 2003 .............................................................................................. 55
Table 36: Disposition of Conventional Home Purchase Loan Applications by Income of
Applicant - 2008 .............................................................................................. 55
Table 37: Percent of Conventional Home Purchase Loans by Race vs. City Population
by Race........................................................................................................... 56
Table 38: Approval Rates of Conventional Home Purchase Loan Applications by Race
and Income of Applicant - 2003 ........................................................................ 57
Table 39: Approval Rates of Conventional Home Purchase Loan Applications by Race
and Income of Applicant - 2008 ......................................................................... 58
Table of Contents
iii
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 40: Disposition of Conventional Home Improvement Loan Applications by Race of
Applicant. 2003 .............................................................................................. 58
Table 41: Disposition of Conventional Home Improvement Loan Applications by Race of
Applicant - 2008 .............................................................................................. 59
Table 42: Comparison of Government Backed Loans. 2003 and 2008....................60
Table 43: Disposition of Conventional Home Mortgage Loan Applications by Lending
Institutions - 2003.............. .......... ............ ...... ................ .......... .... ............... ..... 61
Table 44: Disposition of Conventional Home Mortgage Loan Applications by Lending
Institutions. 2008......... ............. ......... ........ ......... .............. ....... ....... ................ 62
Table 45: Lender Ratings................................................................................... 63
Table 46: Approval and Denial Rates by Income Level........................................... 64
Table 47: Approval and Denial Rates by Race/Ethnicity.......................................... 64
Table 48: Percent of Loans Purchased by Type of Loan and Race of Applicant - 200867
Table 49: Disposition of Conventional Mortgage Refinancing Applications - 2003 ..... 69
Table 50: Disposition of Conventional Mortgage Refinancing Applications. 2008 ..... 70
Table 51: Foreclosure. February 2010................................................................ 71
Table 52: Residential Land Use Designations and Zoning Districts ........................... 74
Table 53: Parking Requirements ......................................................................... 77
Table 54: Housing Types by Residential Zones ..................................................... 78
Table 55: Community Care Facilities in San Bernardino.......................................... 81
Table 56: Typical Development Fees ................................................................... 86
Table 57: Park Acreage in Low and Moderate Income Areas .................................. 91
Table 58: Park Acreage in Minority Areas ............................................................ 91
Table 59: Basis of Discrimination Complaints. FY 2006-2010 (Present) ................117
Table 60: Landlord/Tenant Complaints - FY 2006-2010 (Present) ......................... 118
Table 61: Basis of Discrimination of Cases filed with HUD. 2004.2009................ 118
Table 62: Closing Categories for Fair Housing Cases Filed with HUD (2004-2009) .. 119
Table 63: Hate Crimes - 2008.......................................................................... 120
Ust of Figures
Figure 1: Discrimination Basis............................................................................. 11
Figure 2: Hate Crime Basis................................................................................. 12
Figure 3: Documented and Projected Population Growth - 1980-2035..................... 16
Figure 4: Minority Concentration.........................................................................20
Figure 5: Low and Moderate Income Areas .......................................................... 23
Figure 6: Licensed Residential Care Facilities and Affordable Housing ...................... 46
Figure 7: Major Employers and Transportation Routes............................................ 50
Table of Contents
iv
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 1
Introduction
The City of San Bernardino, the most populous city in San Bernardino County, is home
to over 200,000 residents and a diverse demographic. The City is located in the Inland
Empire Metropolitan Area of Southern California, which stretches from Los Angeles
County to parts of San Bernardino County and Riverside County.
Diversity among its residents, in terms of cultural backgrounds and socioeconomic
characteristics, makes San Bernardino a highly interesting and desirable area to live. To
continue nurturing this diversity, civic leaders must ensure that an environment exists
where equal access to housing opportunities is treated as a fundamental right.
A. Purpose of the Report
Equal access to housing is fundamental to each person in meeting essential needs and
pursuing personal, educational, employment, or other goals. In recognition of equal
housing access as a fundamental right, the federal government and the State of
California have both established fair housing choice as a right protected by law.
Through the federally funded Community Development Block Grant (CDBG) and HOME
Investment Partnerships (HOME) programs, among other state and local programs, the
City of San Bernardino works to provide a decent living environment for all. Pursuant
to CDBG regulations [24 CFR Subtitle A ~91.225(a)(1)1, to receive CDBG funds, each
jurisdiction must certify that it "actively furthers fair housing choice" through the
following:
. Completion of an Analysis of Impediments to Fair Housing Choice (AI)
. Actions to eliminate identified impediments; and
. Maintenance of fair housing records.
This report, the Analysis of Impediments to Fair Housing Choice (commonly known as
the "AI"), presents a demographic profile of San Bernardino, assesses the extent of
housing needs of its residents, and evaluates the availability of a range of housing
choices for all. This report also analyzes the conditions in the private market and public
sector that may limit the range of housing choices or impede a person's access to
housing. As the name of the report suggests the document reviews "impediments" to
fair housing. While this report also assesses the nature and extent of housing
discrimination, the focus is on identifying impediments that may prevent equal housing
access and developing solutions to mitigate or remove such impediments.
Chapter 1: Introduction
1
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
B. Legal Framework
Fair housing is a right protected by both federal and State of California laws. Among
these laws, virtually every housing unit in California is subject to fair housing practices.
1. Federal Laws
The federal Fair Housing Act of 1968 and Fair Housing Amendments Act of 1988 (42
U.S. Code B 3601-3619, 3631) are federal fair housing laws that prohibit
discrimination in all aspects of housing, including the sale, rental, lease or negotiation
for real property. The Fair Housing Act prohibits discrimination based on race, color,
religion, sex, familial status, or national origin. In 1988, the Fair Housing Act was
amended to extend protection to familial status and people with disabilities (mental or
physical). Specifically, it is unlawful to:
. Refuse to sell or rent after the making of a bona fide offer, or to refuse to
negotiate for the sale or rental of, or otherwise make unavailable or deny, a
dwelling to any person because of race, color, religion, sex, familial status, or
national origin.
. Discriminate against any person in the terms, conditions, or privileges of sale or
rental of a dwelling, or in the provision of services or facilities in connection
therewith, because of race, color, religion, sex, familial status, or national origin.
. Make, print, or publish, or cause to be made, printed, or published any notice,
statement, or advertisement, with respect to the sale or rental of a dwelling that
indicates any preference, limitation, or discrimination based on race, color,
religion, sex, handicap, familial status, or national origin, or an intention to make
any such preference, limitation, or discrimination.
. Represent to any person because of race, color, religion, sex, handicap, familial
status, or national origin that any dwelling is not available for inspection, sale, or
rental when such dwelling is in fact so available.
. For profit, induce or attempt to induce any person to sell or rent any dwelling by
representations regarding the entry or prospective entry into the neighborhood
of a person or persons of a particular race, color, religion, sex, handicap, familial
status, or national origin.
Reasonable Accommodations and Accessibility: The Fair Housing Amendments Act
requires owners of housing facilities to make "reasonable accommodations" (j.e.,
exceptions) in their rules, policies, and operations to give peopl~ with disabilities equal
housing opportunities. For example, a landlord with a "no pets" policy may be required
to grant an exception to this rule and allow an individual who is blind to keep a guide
dog in the residence. The Fair Housing Act also requires landlords to allow tenants
with disabilities to make reasonable access-related modifications to their private living
space, as well as to common use spaces, at the tenant's own expense. Finally, the
Chapter 1: Introduction
2
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Act requires that a portion of new multi.family housing developments with four or more
units be designed and built to allow access for persons with disabilities. This includes
accessible common use areas, doors that are wide enough for wheelchairs, kitchens
and bathrooms that allow a person using a wheelchair to maneuver, and other
adaptable features within the units.
2. California Laws
The State Department of Fair Employment and Housing (DFEH) enforces California laws
that provide protection and monetary relief to victims of unlawful housing practices.
The Fair Employment and Housing Act (FEHA) (Gov. Code ~ ~ 12955 et seq.) prohibits
discrimination and harassment in housing practices, including:
. Advertising
. Application and selection process
· Unlawful evictions
. Terms and conditions of tenancy
. Privileges of occupancy
. Mortgage loans and insurance
. Public and private land use practices (zoning)
. Unlawful restrictive covenants
The following categories are protected by FEHA:
. Race or color
· Ancestry or national origin
. Sex
. Marital status
. Source of income
. Sexual Orientation
· Familial status (households with children under 18 years of age)
. Religion
. MentallPhysical Disability
. Medical Condition
. Age
In addition, the FEHA contains similar reasonable accommodations and accessibility
provisions as the Federal Fair Housing Amendments Act.
The Unruh Civil Rights Act provides protection from discrimination by all business
establishments in California, including housing and accommodations, because of age,
ancestry, color, disability, national origin, race, religion, sex, and sexual orientation.
While the Unruh Civil Rights Act specifically lists "sex, race, color, religion, ancestry,
national origin, disability, or medical condition" as protected classes, the California
Supreme Court has held that protections under the Unruh Act are not necessarily
restricted to these characteristics.
Chapter 1: Introduction
3
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Furthermore, the Ralph Civil Rights Act forbids acts of violence or threats of violence
because of a person's race, color, religion, ancestry, national origin, age, disability, sex,
sexual orientation, political affiliation, or position in a labor dispute (California Civil Code
section 51.7). Hate violence can be: verbal or written threats; physical assault or
attempted assault; and graffiti, vandalism, or property damage.
The Bane Civil Rights Act (California Civil Code Section 52.1) provides another layer of
protection for fair housing choice by protecting all people in California from interference
by force or threat of force with an individual's constitutional or statutory rights,
including a right to equal access to housing. The Bane Act also includes criminal
penalties for hate crimes; however, convictions under the Act are not allowed for
speech alone unless that speech itself threatened violence.
In addition to these acts, Government Code Sections 111135, 65008, and 65580-
65589.8 prohibit discrimination in programs funded by the State and in any land use
decisions. Specifically, recent changes to Sections 65580-65589.8 (Housing Element
law) require local jurisdictions to address the provision of housing options for special
needs groups, including:
· Housing for persons with disabilities (SB 520)
. Housing for homeless persons, including emergency shelters, transitional
housing, supportive housing (SB 2)
. Housing for extremely low income households, including single-room occupancy
units (AB 2634)
c. Fair Housing Defined
In light of the various pieces of fair housing legislation passed at the federal and state
levels, fair housing throughout this report is defined as follows:
Fair housing is a condition in which individuals of similar income levels in the same
housing market having a like range of housing choice available to them regardless of
age, race, color, ancestry, national origin, religion, sex, disability, marital status, familial
status, source of income, sexual orientation, or any other arbitrary factor.
D. Impediments Defined
Within the legal framework of federal and state laws and based on the guidance
provided by the U.S. Department of Housing and Urban Development (HUD) Fair
Housing Planning Guide, impediments to fair housing choice can be defined as:
Any actions, omissions, or decisions taken because of age, race, color, ancestry,
national origin, religion, sex, disability, marital status, familial status, source of income,
sexual orientation, or any other arbitrary factor which restrict housing choices or the
availability of housing choices; or
Any actions, omissions, or decisions which have the effect of restricting housing choices
or the availability of housing choices on the basis of age, race, color, ancestry, national
Chapter 1: Introduction
4
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
ongm, religion, sex, disability, marital status, familial status, source of income, sexual
orientation, or any other arbitrary factor.
To affirmatively promote equal housing opportunity, a community must work to remove
impediments to fair housing choice. Furthermore, eligibility for certain federal funds
requires the compliance with federal fair housing laws. Specifically, to receive HUD
Community Planning and Development (CPD) formula grants, a jurisdiction must:
· Certify its commitment to actively further fair housing choice;
· Maintain fair housing records; and
. Conduct an analysis of impediments to fair housing.
E. Scope of Analysis
This Analysis of Impediments (AI) to Fair Housing Choice provides an overview of laws,
regulations, conditions or other possible obstacles that may affect an individual or a
household's access to housing. The AI involves:
· A comprehensive review of the laws, regulations, and administrative policies,
procedures, and practices;
. An assessment of how those laws, regulations, policies, procedures, and
practices affect the location, availability, and accessibility of housing; and
. An assessment of conditions, both public and private, affecting fair housing
choice.
F. Lead Agency and Funding Sources
This report, prepared through a collaborative effort between City staff, Veronica Tam
and Associates and Hogle.lreland, Inc. under contract to the City of San Bernardino, is
funded by Community Development Block Grant (CBDG) general planning and
administration funds.
G. Data and Methodology
According to the Fair Housing Planning Guide prepared by the U.S. Department of
Housing and Urban Development (HUD), HUD does not require the jurisdictions to
commence a data collection effort to complete the AI. Existing data can be used to
review the nature and extent of potential issues. The following data sources were used
to complete this AI. Sources of specific information are identified in the text, tables
and figures.
Chapter 1: Introduction
5
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. 1990 and 2000 U.S. Census
. 2006-2008 American Community Survey'
. 2008 Community Survey
. California Department of Fair Employment and Housing
. California Department of Department of Finance
. California Department of Social Services Community Care Licensing Division
· Home Mortgage Disclosure Act data obtained through Marquis Software
Solutions, Centrax HMDA
. San Bernardino Housing Element
. U.S. Department of Housing and Urban Development (HUD)
. U.S. Federal Bureau of Investigation (FBI)
H. Organization of the Report
The AI is divided into seven chapters:
Chapter 1: Introduction defines "fair housing" and explains the purpose of the
report. This chapter also discusses the outreach efforts undertaken for the
development of the AI.
Chapter 2: Community Profile presents the demographic, housing, and income
characteristics in the City of San Bernardino. Major employers and transportation
access to job centers are identified. The relationships among these variables are
discussed.
Chapter 3: Lending Practices assesses the access to financing for different groups.
Predatory and subprime lending issues are also discussed.
Chapter 4: Public Policies and Practices analyzes various public policies and actions
that may impede fair housing within the City.
According to "American Community Survey - What Researchers Need to Know," the Census Bureau
cautions the direct comparison between the American Community Survey lACS) data and data from
previous Censuses, particularly as it relates to income, age, and household characteristics, as different
methodologies were used or questions were asked in collecting the sample. The most significant
difference is that the 2000 Census is point-in-time data, whereas the ACS 2006-2008 is period data.
The ACS was developed with a sample each year and data presented for 2006-2008 represents an
averaging of the sampling results over three years. An issue with this methodology is that when
conditions in 2006 were substantially different than in 200B, the averaging would "dilute" the data
and therefore not present an accurate picture of the conditions. For example, housing market
conditions in 2006 were almost a lBO-degree turn compared to those in 2008. Averaging over these
three years would not reflect the sharp changes in conditions. Therefore, 2006-2008 ACS data in this
report are presented as percentages and used only as additional references. The 2008 ACS is also a
period estimate, averaging estimates from the year 2008; these is the data that are predominantly
used in this report to supplement data from the 2000 decennial Census. The 2008 ACS data provides
an important update and snapshot of existing conditions. The federal government uses ACS
information to evaluate the need for federal programs and to run those programs effectively, so it is
important to be consistent with those assumptions. However, please note that the ACS provides an
estimate, not a 100 percent sampling of the population, and as such, there may therefore be a
significant margin of error in some situations.
Chapter 1: Introduction
6
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 5: Current Fair Housing Profile evaluates existing public and private
programs, services, practices, and activities that assist in providing fair housing in
County. This chapter also assesses the nature and extent of fair housing
complaints and violations in different areas of the County. Trends and patterns of
impediments to fair housing, as identified by public and private agencies, are
included.
Chapter 6: Achievements of the 2006 Plans assesses the progress made since the
preparation of the 2006 Analysis of Impediments (AI) to Fair Housing Choice.
Chapter 7: Conclusions and Recommendations summarizes the findings regarding
fair housing issues in San Bernardino and provides recommendations for furthering
fair housing practices.
I. Public Participation
The City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice
has been developed through a collaborative process involving participation by residents,
service providers, and City staff. In addition to analysis of available data sources and
review of existing reports and fair housing practices, the City sought public input on
fair housing issues through two main avenues:
A community meeting was held on January 21, 2010 in the Economic
Development Agency Board Room. Participants were introduced to the Analysis
of Impediments to Fair Housing Choice process and intent and asked to discuss
fair housing concerns. This meeting was held in conjunction with the
community meeting to receive input on community needs for the 2010-2015
Consolidated Plan. Invitations and flyers were circulated to community groups
and local service providers.
A Community Needs and Fair Housing Survey, which assessed fair housing
discrimination experiences, was distributed to residents and service providers.
Surveys were made available at community centers and public counters, located
online, and distributed at the January 21, 2010 community meeting. The survey
was integrated with a survey to assess community needs for the 2010-2015
Consolidated Plan. Overall, 142 residents and service providers responded to
the Community Needs and Fair Housing Survey.
1. Community Meeting
San Bernardino residents and public and private agencies either directly or indirectly
involved with fair housing issues in San Bernardino were invited to attend a public
meeting before the Community Development Citi2ens Advisory Committee members on
January 21, 2010. The meeting provided the opportunity for the San Bernardino
community to gain awareness of fair housing laws, and for residents and service
agencies to share fair housing issues and concerns. The meeting participants also
Chapter 1: Introduction
7
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
discussed community development and housing needs, priorities, and concerns to be
considered as part of the 2010-2015 Consolidated Plan. San Bernardino staff
conducted extensive outreach to reach a broad cross-section of the community and to
encourage attendance at the January 21, 2010 community meeting. More than 15
residents and representatives of service provider agencies attended, in addition to the
five Community Development Citizens Advisory Committee (CDCACI members in
attendance.
To encourage attendance and participation, the workshop was publicized through the
following methods:
. Flyers posted at City Hall, local community centers, and libraries
· Notice posted on the City's website
. Notice posted in the San Bernardino County Sun and EI Chicano newspapers
. Personal invitations to the mailing list maintained by the City for CDBG
application announcements. Additional service providers and agencies invited
included:
a City of Rialto
a City of Fontana
a City of Redlands
a City of Highland
a County of San Bernardino Housing Authority
a California Division of Financial Assistance
a Inland Fair Housing and Mediation Board
a Habitat for Humanity.San Bernardino Area, Inc.
a National CORE
a TELACU
a Inland Regional Center
a Rolling Start
a Pathway, Inc.
a San Bernardino Area Chamber of Commerce
a East Valley Association of Realtors
a Inland Valley Association of Realtors
a Wells Fargo San Bernardino Home Loans
a Accurate Acquisition Home and Loans
a Century Vintage Homes
a Affordable Home Loans
a American General Financial Services
a Bank of America Home Loans
a Apartment Association Greater Inland Empire
Due to these outreach efforts, attendance at the public meeting included several
se'vice providers that work with low and moderate income and special needs residents.
Service providers that attended the Consolidated Plan community outreach meeting
included: Time for Change, Central City Lutheran Mission, Inland Fair Housing &
Mediation Board, Project Life Impact, Universal Nursing Systems, A Servant's Heart
Outreach, St. John's Success Center, Apartment Association Greater Inland Empire,
and OMNIP.
Chapter 1: Introduction
8
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Two main themes related to fair housing emerged from participants ,as important in the
City of San Bernardino: 1) the importance of access to homeless shelters and
transitional housing; and 2) the issue of housing discrimination against persons with
disabilities and formerly incarcerated persons.
Overall, the meeting participants noted increasing needs among San Bernardino
residents and in the Southern California area at large at a time of increased
unemployment and financial uncertainty. Increasing needs include general emergency
help, such as food, utilities and home cost assistance, emergency shelter or hotel
assistance, and job placement and training. Participants noted that there is a large low
income population, and that housing prices are relatively lower in San Bernardino, as
compared to other places in the County.
Housing was one of the primary issues discussed by participants at the San Bernardino
Consolidated Plan/Fair Housing community meeting. Participants were primarily
concerned about housing affordability and voiced a need for new affordable housing,
especially for seniors and disabled persons. Multi-family housing and mixed-use housing
(housing with a retail or commercial component included) were recommended.
Participants noted that the Section 8 waitlist is long, and the application is complex.
With rising unemployment, participants noted that there may be a need for rental gap
assistance to keep people in their homes.
Staff estimated that approximately 5,000 homes have been foreclosed in the City
between January 2008 and January 2010. The City has used Neighborhood
Stabili2ation Program funds to purchase foreclosed and abandoned homes and re-sell
these to low and moderate income home buyers. Renters have also been affected by the
increasing rate of foreclosures. When investment properties are foreclosed, the renter is
the last person to know. There is often confusion over who to pay, as well as concerns
about fraud.
Participants also noted that it is difficult for post-incarcerated persons to find housing,
as applications ask for information on incarceration, limiting access to housing options
in the City. The Inland Fair Housing and Mediation Board noted that while in previous
years, race was the basis for most discrimination complaints, now disabled status is
the most common fair housing complaint the Board receives.
Participants noted a need for housing rehabilitation assistance in single-family homes,
to address blight and overcrowded conditions. Housing rehabilitation assistance can
give neighborhoods a facelift and encourage continued investment in the area.
2. Fair Housing Survey
Between December 2009 and January 2010, a survey was available inviting residents
to provide feedback on their fair housing experiences and the importance of a variety of
services. The fair housing survey was integrated as part of the efforts to assess
housing and community needs in the City for the 2010-2015 Consolidated Plan. The
Chapter 1: Introduction
9
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
survey was available on the City's website in an online, user-friendly version. Hard
copies of the survey were available at City Hall, public libraries, and public counters.
The survey was available in English and Spanish. (A copy of the survey is included in
Appendix A.) Overall, 142 residents and service providers responded to the Community
Needs and Fair Housing Survey.
Fair Housing
Of the 142 residents who completed the survey, 109 persons completed at least one
fair housing question, in addition to community development and housing questions. Of
the 109 who responded to the fair housing section, 16.5 percent (18 respondents)
indicated that they had experienced housing discrimination. Over two-thirds of these
discrimination actions were completed by a landlord or property manager, 17 percent
by a real estate agent, five percent by a mortgage lender, and five percent (one
incidentl by City staff. According to survey respondents, half of discrimination acts
(nine incidentsl occurred in an apartment complex, eight occurred in a single-family
neighborhood, two in public or subsidized housing projects, one in a mobile home park,
and one occurred when applying for City programs.
Survey respondents believed that they were discriminated against on a variety of
bases, as indicated in Error! Reference source not found.. The most common reason for
discrimination, according to survey respondents, was race. A number of respondents
also indicated "other" as the basis for discrimination; a review of specific comments is
included in Appendix A.
Of those who indicated they experienced discrimination, most (70 percent) indicated
that they did not report the incident. Most respondents indicated that they did not
report the incident because they did not know where to report the incident or they
believed it would not make any difference. Some respondents also noted that it was
too much trouble to report, and one person was afraid of retaliation.
The Fair Housing Act, as amended in 1988, requires that cities and counties provide
reasonable accommodation to rules, policies, practices, and procedures where such
accommodation may be necessary to afford individuals with disabilities equal housing
opportunities. While fair housing laws intend that all people have equal access to
housing, the law also recogni2es that people with disabilities may need extra tools to
achieve equality. Reasonable accommodation is one of the tools intended to further
housing opportunities for people with disabilities. Five respondents indicated that they
were denied reasonable accommodation for a disability; specific information is included
in Appendix A.
Chapter 1; Introduction
10
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Figure 1: Discrimination Basis
35.0%
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
On what basis do you believe you were discrininated against?
(check all that apply)
r.'"
~'/j
& !:-'$'Ao<'.<.t<::\
~o ?>;o ~,~ ~' b'" ",v' ':is!
(,0 ~iiJ :" CJ ",<-'" 0",<":,,4 ,.:...f;>i@
!:-'/j ~ i.,,;!i v
",0 _....'/j
~'Ii '<'
~'" ~ $'''' "'o~
~ Cj-'/j ~<-o -:<P
,t.... d-" 0'.,0'
<<'Ii ~'" ~
<5'v ~+.;:J
rt-
65'
Hate Crimes
Respondents were also asked to comment on hate crimes that may have been
committed in San Bernardino neighborhoods. More than 22 percent of respondents who
answered this question (24 out of 108 persons) indicated that a hate crime had been
committed in their neighborhood. Nearly 27 percent indicated that a hate crime had not
been committed. and over half (51 percent) indicated that they did not know. The vast
majority indicated that the hate crimes committed were related to race ( Figure 2).
Chapter 1: Introduction
11
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Figure 2: Hate Crime Basis
What was the basis of the hate crine?
80.0%
70.0%
60.0%
50.0%
40.0%
30.0%
20.0%
10.0%
0.0%
rv'l- "do 0<:- ,.,<:- ,s. /o..~ .;;," '0<:-
~'1> (J' .ff} o~'''' "'c; ~ ~ .,:p'<S
~~!C-q,. .,.<:-0 0'" ~ r7 ~I>'
~o ~.... ~o
~'1> .r .;;,'Ii
q-l'
'" ~ ",'" .~~ .~
.,.",'l- <7'1> <:-rvdo' ~~ rz,<:J-
~-\ &~ ~~ ~",,,~
<<'1> ~'" &fP
<5''1 ,~
&-<!'
Foreclosures
A number of questions on the survey were related to foreclosures, given the high level
of foreclosure activity that has been experienced in San Bernardino. Nine percent of
respondents indicated that they were in the foreclosure process or at risk of
foreclosure. Most respondents facing foreclosure indicated that loss of income or
employment was the primary cause of foreclosure; many indicated that increasing
monthly payments and significant increases in other housing costs were also a factor.
Some also indicated that they owed more on the home than it was worth. Of those
facing foreclosure, less than half (44 percent) were planning on relocating away from
the City of San Bernardino. Most respondents facing foreclosure were aware of
foreclosure assistance available to help them (78 percent). All respondents facing
foreclosure indicated that they would consider homeownership again, and the majority
(89 percent) indicated that they would rather have owned a home, given recent
circumstances, than rented.
Housing Programs and Services
The same survey also asked residents to rank the level of importance for programs and
services offered by the City. Respondents ranked fair housing services seventh out of
ten types of services (Table 1).
Chapter 1: Introduction
12
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Needs Cate 0
Table 1 Community Development Needs Survey Results
Housing
Rank
1
2
3
4
5
6
7
8
9
10
Chapter 1: Introduction
13
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 2
Community Profile
A key goal for fair housing programs is to foster an inclusive environment, one in which
all people have the opportunity to live in decent and suitable homes and are treated
equally in the rental, sale, or occupancy of housing. The community profile provides
background information on demographics, housing, employment, special needs groups,
and other characteristics that describe San Bernardino. All of these factors can affect
housing choice, housing opportunities, and the type of fair housing issues a community
may encounter. This overview will provide context for discussing and evaluating fair
housing in the following chapters.
The City of San Bernardino is a general law city incorporated in 1854, which makes it
one of California's oldest communities. Today, San Bernardino serves as the county
seat and is the most populous city in the County of San Bernardino, with a population
of over 204,000 residents. The City of San Bernardino encompasses approximately 60
square miles of land along the foothills of the San Bernardino Mountains, at the eastern
edge of the San Bernardino Valley. The City of San Bernardino is located approximately
60 miles east of the city of Los Angeles, 120 miles northeast of metropolitan San
Diego, and 55 miles northwest of the city of Palm Springs.
The City of San Bernardino is one of the principal cultural and business centers in San
Bernardino County. The area has evolved from a semi-rural farming community to an
enterprise city with large railroad companies and an economy based primarily upon
retail commercial businesses, manufacturing, and distribution centers. The City of San
Bernardino has long functioned as a transportation link between the east and west
coasts. With rail, freeway, a nearby international airport just 30 minutes away, and the
Port of Los Angeles within one hour's drive, San Bernardino links Southern California,
national markets, Mexico, and the Pacific Rim.
A. Demographic Profile
Examination of demographic characteristics can provide insight regarding the need and
extent of equal access to housing in a community. Factors such as population growth,
age characteristics, and race/ethnicity all help determine a community's housing needs
and playa role in exploring potential impediments to fair housing choice.
1. Population and Population Growth
According to the Census, the City of San Bernardino population was 185,401 in
2000.The California Department of Finance estimates that in 2009, the population had
increased to 204,483. Documented population figures from 1980 to 2005 and
projected population growth trends from 2010 to 2035 are shown in Figure 3. The City
Chapter 2: Community Profile
15
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
experienced its largest recent increase in population between 1985 and 1990, when
the population increased by 20 percent. San Bernardino's population has steadily
increased since, but at a slower rate than occurred in the 1980s. Future projected
population growth is expected to remain steady, as indicated in Figure 3.
Figure 3: Documented and Projected Population Growth. 1980.2035
3lIll.lIllll
'" 26 5
95S
2. 89 .-'"
2' 616
22 92' ~-
21 316 ,..-
2>1 049 ...-
". 401 .....
1& ~
164
13E <m./ ...--
,~~ V
15
25O.lIllll
c
o
:;:;
.!! 200,llXI
:J
...
o
....
15O,lIllll
1
100.lIllll
19l1O
1995
19l1O
1995
2000
2IXI5
2010
201S
"""
2Il25
,..,
2Il35
Year
Source: California Department of Finance. 2009; SCAG 2008 RTP Growth Forecast.
Population growth projections for San Bernardino anticipate that the City's population
will steadily increase at an average rate of 4.75 percent every five years, with a
resulting 2035 population estimate of 265,515. The overall percentage growth of San
Bernardino from 2010 to 2020 is projected to be around 10.5 percent, a relatively low
estimate compared to other surrounding cities such as Colton (22 percent).
Table 2. Documented and Projected Population Growth
2000 2010 2020 2030
San Bernardino 185,401 213,318 235,616 255,959
Colton 47,662 58,815 71,880 83,942
Fontana 128,929 174,719 195.866 215,018
Highland 44,605 55,345 62,708 69,371
Redlands 63,591 73,441 80,973 89,288
Rialto 91,873 107,849 123,080 136,845
Sources: U.s. Census Bureau, 2000 Census; SCAG 2008 RTP Growth Forecast.
2. Age Characteristics
Housing demand is affected by the age composition of a community since different age
groups may have very different housing needs. For example, young people may trend
towards occupying apartments, condominiums, and small single-family homes due to
household size and/or affordability. Middle-aged adults may trend towards demanding
larger homes as incomes and family sizes increase, while seniors may prefer
apartments, condominiums, mobile homes, or smaller single-family homes that have
lower costs and less maintenance. Table 3 shows the age distribution of San
Chapter 2: Community Profile
16
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Bernardino's population. The median age for the City was estimated to be 28.6 years
of age in 2008, which is slightly younger than the estimated median age of the County
at large (30.5 years of age).
Table 3 Persons by Age San Bernardino. 2000 and 2008
2000 2008 2000-2008
Age Population %01 Population %DI % Change
PDDulation PODulation
17 and younger 65,180 35% 63,670 31% -2%
18-24 20,433 11% 25,326 12% 24%
25-44 54,915 30% 57,786 28% 5%
45-64 29,607 16% 39,546 19% 34%
65 and over 15,266 8% 17,313 9% 13%
Total 185,401 100% 203,641 100% 10%
Median Age 27.6 28.6
Source: U.S. Census Bureau, 2000 Census; 2008 American Community Survey
As Table 3 indicates, from 2000 to 2008, the percentage of youth in the City
experienced a slight decline, while all other age categories experienced slight to
moderate increases. The decline of youth as a proportion of the population may be
attributed to natural aging of the population, as the next age category, ages 18-24 saw
a significant increase since 2000. Youth still represents the largest percentage of
population (31 percent), followed by the age category of 25-44.
3. Race and Ethnicity
Race and ethnicity can have implications for housing choice, as certain demographic
and economic variables correlate with race. Similar to trends in other communities in
California, San Bernardino has become increasingly diverse in its racial and ethnic
makeup (Table 4). From 2000 to 2008, the overall percentage of White persons
continued to decline (in 1990 Whites constituted 46 percent of the population), while
the percentage of Hispanic persons increased. The proportion of Hispanics increased
from 35 percent in 1 990 to 47 percent in 2000; that percentage is estimated to have
increased to 56 percent by 2008. The percentages of Black, Asian, Pacific Islander,
American Indian, and Other races were estimated to have remained relatively the same.
Chapter 2: Community Profile
17
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 4: San Bernardino Race or Ethnicity - 2000 and 2008
RaceJEthnicity 2000 2008
PODulatiDn % of PDDulation PDDulation % of PODulation
Hisoanic Origin 87,654 47.3% 114,348 56.2%
White 53,900 29.1% 42,419 20,8%
Black 28,965 15.6% 35,509 17.4%
Asian 7,392 4.0% 7,529 3.7%
Other 5,614 3.0% 3,260 1,6%
Pacific Islander 670 0.4% 434 0,2%
American Indian 1,193 0.6% 142 0.1%
Source: U.S. Census Bureau. 2000 U,S, Census; 2008 American Communitv Survev
A comparison of the racial/ethnic composition of the population with that of the
householders indicates that 28.5 percent of households in San Bernardino were headed
by White persons and 48 percent by Hispanic persons in 2008 (see Table 5). The
racial/ethnic composition of householders in the City did not mirror that of the county.
In the county, only 37 percent of households were Hispanic, whereas White
constituted 46 percent of households.
Table 5: Race and Ethnicity by Person and Household - 2008
PersDns Households
Race/Ethnicity San Bernardino San Bernardino San Bernardino San Bernardino
County CDunty
Hisoanic Origin 56.2% 47,5% 48.0% 37.3%
White 20.8% 35.5% 28.5% 45.9%
Black 17.4% 8.3% 18.2% 9,2%
Asian/Pacific Islander 3.9% 6.1% 4.6% 6.2%
Other 1.7% 2.6% 0.7% 1.4%
Source: u.s. Census Bureau, 2000 U.S. Census; 2008 American Community Survev
Estimates from the U.S. Department of Housing and Urban Development (HUD), based
on Urban Institute research, indicate that while discrimination persists against Blacks
and Hispanics searching for homes in major metropolitan areas, its incidence had
generally declined since 1989.2 This information is corroborated by local reports from
the Inland Fair Housing and Mediation Board (IFHMB). A representative of the IFHMB
noted in a public meeting related to the Analysis of Impediments to Fair Housing Choice
development that the Board has experienced a decrease in reports of racial housing
discrimination in recent years in San Bernardino. However, as noted in the Urban
Institute report, when Blacks and Hispanics visit real estate or rental offices to inquire
about the availability of advertised homes and apartments, they continue to face a
significant risk of receiving less information and less favorable treatment as compared
to White customers. This discrimination can raise the cost of housing searches for
Blacks and Hispanics, creates barriers to homeownership and housing choice, and helps
perpetuate involuntary racial and ethnic segregation.
Discrimination in Metropolitan Housing Markets: National Results from Phase I of HDS 2000 Annexes,
Urban land Institute 2002.
Chapter 2: Community Profile
18
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Residential Segregation
Historically, some researchers have evaluated the degree of racial and ethnic integration
as an important measure or evidence of fair housing opportunity. Whereas the
separation of different race and ethnic groups has historically been associated with
segregation, people's choice of residence today is complex. Housing prices, local
schools, access to transportation, and proximity to jobs are all important factors
guiding people's housing choices, among others.
Statistical techniques can be used to measure the degree of segregation experienced by
different racial/ethnic groups, such as the dissimilarity index. The dissimilarity index
(Table 6) represents the percentage of one group that would have to move into a new
neighborhood to achieve perfect integration with another group. An index score can
range in value from 2ero, indicating complete integration, to 100, indicating complete
segregation. An index value of 60 or above is considered very high, an index value of
40-50 is usually considered to be a moderate level of segregation, and values of 30 or
below are considered to be fairly low. The dissimilarity index shows that a moderate
level of segregation is present for the Hispanic population as compared to Whites,
indicating that the two groups tend to live in different census tracts within the City.
The dissimilarity index is lower for Asians and Blacks when compared to Whites.
Table 6: Racial Integration 2000
Race/Ethnic Percent of Dissimilarity Dissimilarity Dissimilarity Dissimilarity
Group TDtal Index with Index with Index with Index with
PopulatiDn Whites Hispanics Blacks Asians
White 28.9% - 43.1 37.4 38.4
Hispanic 47.5% 43.1 - 25.1 38.6
Black 17% 37.4 25.1 - 35.1
Asian 5.1% 38.4 35.1 38.6 -
Source: U.S. Census Bureau, 2000 Census; Lewis Mumford Center for Comparative Urban and Reoional Research
Areas of Minority Concentration
Areas with concentrations of minority residents may have different needs. A
concentration is defined as a Census block group with a proportion of a particular
race/ethnic group greater than that of the countywide average for that group. Figure 4
illustrates the concentrations of minorities within the City. As shown, virtually the
entire southern half of the City (below Highland Avenue) has a minority population of at
least 56 percent (the county average). In contrast, Census tracts above Highland
Avenue generally lack minority concentrations.
Chapter 2: Community Profile
19
"
g
"
.,
L ..:g
..~
~ ~~
_ <"l <\I....
-;- N E'
I ... E al
~ :I ~
. V>~
, 0 ~
; OeD
: ~g
'tl ",.-
ell :J;:
.; ~-:
:c u 0
~ ili'~
Q. ~ III
. ' ~
0:; 0.'"
_ V>X
15~
~
~~
~X
ijQ
%
L"':'t:
,..! ~ ;
l~;c
o
~c
CZ
>~
~~
oS
~
Q)
U
'0
~
U
Ol
C
'(ij
::l
o
I
~c
C~
~~
~~
(3<<:
~
'(lj
u..
~ +lh
. -.
J
~~
CZ
>~
~~
_Z
oC
~
, .
, ,
I ;
: :
: '
. '
~
Y---i '~
c: c
o .
o.e:; ii:
III 'Q
~ .
to -
CI) -1l
u ::
c: C
o 0
U g
.~~
~ -
00
c: N
.- 0
::2:-
o
N
Q)
;;:
o
ct
>
.".::
c
::l
E
E
o
U
N
~
Q)
~
c.
'"
~O
UN
-
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
B. Income Profile
Household income is the most important factor determining a household's ability to
balance housing costs with other basic life necessities. A stable income is the means
by which most individuals and families finance current consumption ad make provision
for the future through saving and investment. The level of cash income can be used as
an indicator of the standard of living for most of the population.
While economic factors that affect a household's housing choice are not a fair housing
issue per se, the relationships among household income, household type, race/ethnicity,
and other factors often create misconceptions and biases that raise fair housing
concerns.
According to the 2000 Census, San Bernardino households had a median income of
$31,140, or just 74 percent of the countywide median of $42,086. The 2008
American Community Survey estimated that San Bernardino residents continued to earn
less than the county average, $38,282 in San Bernardino as opposed to $55,021
countywide.
1. Income Distribution
For purposes of housing and community development resource programming, HUD has
established income definitions based on the Median Family Income (MFI) for a given
Metropolitan Statistical Area (MSA). These income definitions are presented in Table 7.
Table 7: HUD Income Definitions
Income Group % of Area MFI
Extremely Low Income 0-30%
Low Income 31-50%
Moderate income 51-80%
Middle/Upper Income >81%
Based on the HUD definitions specified in Table 7, over 35 percent of the City's total
households in 2000 were within extremely low income (30 percent MFI) and low
income (50 percent MFI) categories, and nearly 20 percent were within the moderate
income (80 percent MFI) category.
In San Bernardino, households with low and moderate incomes comprised over half of
the total households (55 percent). The proportion of households with low and moderate
incomes was highest among Black (64 percent) and Hispanic (63 percent) compared to
White (43 percent) households (Table 81.
Chapter 2: Community Profile
21
o '"
c 0
i; '0
~..:
~U
~
'" Cl
co .~
C en
"' ::J
Ul 0
I
-
o .~
>"'
~u.
U 0
~
en
~
C
'"
E
'0
'"
0.
E
-
o
en
'(ii
>
ro
c
<{
VI
'"
'"
<:
'"
E
o
u
-=
S
'"
-
'"
'"
o
::;:
'"
c
'"
~
....l
u.;
'"
-
::I
.51'
u..
~o
OZ
<
>~
...~
uQ
~
+;..
, ..
.!! :.
.<>
I:"
en c
'" ~
~ a::
ct'"
~
o
~O
Oz
><
...~
_0
Uw
~
~~
>~
...<
(jii:
..
U
.
u:
2
.
:;;
o
~
if
. E
g,
~"*~
d ~ ~
"'o~
:2 a i~
o w,C....
N .1i::5 ~
-:: N ...J" W
i - ~ c '8
~ .~ttI:!:
~ :;.s~
~ 0 ~ III
.., ~ 0 '
ii III J: ~
, ~ ~o...J
: .'" ; 'Eo 8
" u'
: ~ ~ ~ c;:
c. '5 '" ~
, ~ a~;
, cu
J
&
.
+~.;-;
.. .
.p
:1<('-
~<
CZ
~~
.z
uO
~
~M
;,;:N
o
~
>
~
'c
::J
E
E
o
u
N
~
'"
~
0.
"'
..:
U
<ri
o
o
N
"
~
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 8: Household Income by RaceJEthnicity - 2000
% Extremely % of LDW %of %of
Households TDtal % ofTDtal Low Income Income MDderale Middle/Upper
Households Households (0-30% MFI) (31.50% MFI) incDme Income
(51.80% MFI) (>80% MFI)
White 22,085 39.1% 14.1% 10.9% 18.3% 56.7%
Hispanic 20,523 36.9% 21.8% 17.5% 23.3% 37.4 %
Asian/PI 2,158 3.9% 25.3% 15.1% 13.9% 45.8%
Black 9,459 17.0% 31.7% 16.1% 16.1% 36.1%
Other 1.875 3.1% 17.5% 8.8% 21.1% 52.6%
Total 56,100 100.0% 20.8% 14.4% 19.5% 45.2%
Source: 2004 HUD CHAS Data, based on 2000 Census.
2. Concentrations of Low and Moderate Income Populations
Figure 5 identifies the low and moderate income areas in the City by Census block
group. A low and moderate income area is defined as a Census block group with 51
percent or more low and moderate income persons. As shown in the figure,
concentrations of low and moderate income residents are located throughout the City,
with more concentrations generally located south of Highland Avenue. These
concentrations of low and moderate income residents generally correspond to areas of
minority concentration depicted in Figure 4.
3. Unemployment
During the national economic downturn that began in 2007, San Bernardino County's
economy remained relatively stable, with unemployment similar to that of surrounding
markets. In 2008, the County's unemployment rate was at an annual average of 8.0
percent. compared to 7.2 percent for the State of California. The City of San
Bernardino, however, had a higher unemployment rate than the County and the State,
with an unemployment rate of 1 O.g percent in 2008 (Table g).
Table 9: 2008 Annual Average Unemployment Rate
Jurisdiction Rate of UnemplDyment
San Bernardino 10.9%
Colton 8.7%
Fontana 8.3%
HiQhland 10.2%
Redlands 5.8%
Rialto 10.3%
San Bernardino County 8.0%
State of California 7.2%
Source: State of California Employment Development Department, Annual Average Labor Force Data
for Counties. 2008.
Chapter 2: Community Profile
22
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
C. Household Profile
The household profile, which outlines characteristics of San Bernardino's households,
aids in understanding housing needs. Households with different characteristics have
unique housing needs and may face different impediments in the housing market.
Various household characteristics may affect equal access to housing, including
household type, size, and income level. A household, as defined by the U.S. Census
Bureau, includes all the persons who occupy a housing unit, which may include a single
family, one person living alone, two or more families living together, or any other group
of related or unrelated persons who share living arrangements.
1. Household Composition and Size
The number of households in San Bernardino increased four percent between 2000 and
2008, from 56,330 to 58,604 households. As shown in Table 10, the majority of
households in San Bernardino are families (72 percent). Approximately 12 percent of all
households are female-headed households with children, higher than the County
average of nine percent. The average household size in the City of San Bernardino is
estimated to have increased from 3.19 persons per household in 2000 to 3.38 persons
per household in 2008.
Among all family households, approximately 21 percent included at least one or more
elderly persons, while eight percent of all non-family households (i.e. living alone or
with unrelated rOommatesl were headed by an elderly person.
Table 10 San BernardinO City/County Household Type and Size - 2008
% % Elderly % Female-
Average % Families % NDn- Headed
HousehDld Families with Households Family Households
Size with Elderly with
Children Household Children
San Bernardino 3.38 72.0% 40.9% 20.8% 7.7% 12.0%
San Bernardino 3.40 75.8% 41.4% 19.7% 6.3% 9.1%
County Source: u.S. Census Bureau, 2008 American Community Survey
Chapter 2: Community Profile
24
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
D. Special Needs Populations
Certain households, because of their special characteristics and needs, may require
special accommodations and may have difficulty finding housing due to special needs.
Special needs groups may include the elderly, persons with disabilities, persons with
HIV/AIDS, female-headed households, large households, and homeless persons.
1. Elderly and Frail Elderly
The population over 65 years of age is considered elderly. Elderly households are
vulnerable to housing problems and housing discrimination due to limited income,
prevalence of physical or mental disabilities, limited mobility, and high health care
costs. The elderly, and particularly those with disabilities, may face increased difficulty
in finding housing accommodations, and may become victims of housing discrimination
or fraud.
According to the 2008 American Community Survey, approximately 17,313 elderly
persons resided in San Bernardino, representing 8.5 percent of the total population.
Approximately 7,196 elderly persons were considered frail elderly; that is, they were
seniors with a disability.
A larger proportion of senior households had low and moderate incomes (59 percent)
compared to all households (55 percent). Approximately 35 percent of the elderly
households experienced one or more housing problems, such as overpayment or
substandard housing, compared to the citywide average of 50 percent. However,
elderly residents who rent were more likely to experience housing problems (57
percent). In addition, elderly residents are often less able to make improvements to
their housing due to limited income as well as a higher rate of disabilities (Table 11).
Table 11 Elderly Profile
%of PopulatiDn Low/Moderate Households
PDpulatiDn' With a Income with Housing
Disabilitv1 Households' Problems'
Elderlv 8.5% 47.7% 58.9% 35.1%
All Households 100% 22.4% 54.8% 49.9%
Sources: 1) U.S. Census Bureau, 2000 Census; 2) HUD CHAS. 2004
There are 10 licensed community care facilities that have a capacity to provide
residential care for up to 398 elderly persons in the City of San Bernardino. In addition,
as shown in Table 12, San Bernardino has several affordable senior housing
developments that are income restricted and provide housing opportunities for the
elderly in the community.
Chapter 2: Community Profile
25
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 12 Low Income Senior Housing In the City of San Bernardino
Name Location Total Units
AHEPA 302 Anartments 377 E. Gilbert Street 90
Arrowhead Woods 1650 W. 16th Street 51
Casa Bernardine Retirement Center 1589 N. Waterman Ave 241
Casa Ramona Senior ComDiex 1519 W. 8th Street 44
Jefferv Court Senior ADartments 3677 Central Avenue 184
Laurel Place 363 E. Gilbert Street 70
LiOht's Rancho Linda 1642 W. 27th Street 50
The Plaza 5655 N. G Street 160
San Bernardino SeniDr Housino 1540 W. Baseline Ave. 75
SI. Bernardine's Plaza 550 W. 5~ Street 150
TELACU I Sierra Vista 650 W. 6'" Street 75
TELACU II MDnte Vista 451 N. H Street 75
TELACU III Buena Vista 365 E. Commercial Rd. 75
TDtal 1,340
2. Persons with Disabilities
The Americans with Disabilities Act (ADA) defines a disability as a "physical or mental
impairment that substantially limits one or more major life activities." Fair housing
choice for persons with disabilities can be compromised based on the nature of their
disability. Persons with physical disabilities may face discrimination in the housing
market because of the use of wheelchairs, need for home modifications to improve
accessibility, or other forms of assistance. Landlords/owners sometimes fear that a unit
may sustain wheelchair damage or may refuse to exempt disabled tenants with
service/guide animals from a no-pet policy. A major barrier to housing for people with
mental disabilities is opposition based on the stigma of mental disability. Landlords
often refuse to rent to tenants with a history of mental illness. Neighbors often object
when a house becomes a group home for persons with mental disabilities. While
housing discrimination is not covered by the ADA, the Fair Housing Act prohibits
housing discrimination against persons with disabilities, including persons with
HIV/AIDS.
An estimated 18,248 persons' in the City of San Bernardino (nine percent of the
population) have one or more disabilities. This proportion is similar to that of San
Bernardino County, where 10 percent of the population is disabled. According to the
2008 American Community Survey, approximately 10,124 persons with a disability in
San Bernardino are within working age (18-64 years old). Of these persons with a
disability who are of working age, approximately 29 percent are employed. An
estimated 28 percent of persons with disabilities live below the poverty line.
3
The American Community Survey reters to the disability status of only the civilian non-institutionalized
population. Disability ;s defined as the restriction in participation that results from a lack of fit between
the individual's functional limitations and the characteristics of the physical and social environment.
The Census Bureau does not recommend any comparisons to disability data from the 2007 ACS and
earlier due to questionnaire changes.
Chapter 2: Community Profile
26
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
According to the 2008 American Community Survey, 17,320 adults aged 18 and over
suffered from one of more disabilities in San Bernardino. Over half of those adults
suffered from problems with living independently, which is defined as having difficulty
completing everyday tasks and errands due to physical, mental, or emotional problems.
Self-care limitations are also common for persons with physical disabilities; over 5,000
adults in San Bernardino are estimated to have difficulty doing tasks such as dressing
or bathing themselves (Table 13).
Table 13 Disability Types found In Adult Civilian Population (Aqed 18+) - 2008
Type of Disability Number Df Adults
With a Hearing Difficulty 3,267
With a Vision Difficulty 3,766
With a Cognitive Difficulty 6,686
With an Ambulatory Difficulty 11,904
With a Self-Care Difficulty 5,068
With an Independent Living Difficulty 8,796
Note: Adults may have one or more disabilities. Total number of adults with one or more disabilities is estimated
at 17.320.
Source: U.S. Census Bureau, 2008 American Community Survey.
As part of this Analysis of Impediments to Fair Housing Choice study, a community
meeting was held to discuss fair housing concerns and housing needs in the City. A
representative of the Inland Fair Housing and Mediation Board (IFHMD) noted that in
previous times, the most common fair housing complaint received was with regard to
racial discrimination. Today, the most common fair housing complaint in San Bernardino
relates to disability. IFHMD also noted the continued need for reasonable
accommodations and modifications provided by landlords, owners, and jurisdictions.
The Americans with Disabilities Act of 1 990 and amendments to the Fair Housing Act,
as well as California law, require ground-floor units of new multi-family developments
with more than four units to be accessible to persons with disabilities. However, units
built prior to 1989 are rarely accessible to persons with disabilities. Furthermore, not all
new construction may have the range of modifications needed by specific individuals.
Older units, particularly older multi-family structures, are very expensive to retrofit for
disabled occupants because space is rarely available for elevator shafts, ramps,
widened doorways, etc. In addition to changes to the units, the site itself may need
modification to widen walkways and gates, and to install ramps.
3. Persons with HIV/AIDS
Persons with HIV/AIDS face an array of barriers to obtaining and maintaining safe,
affordable housing. For persons living with HIV IAIDS, access to safe, affordable
housing can be as important to their general health and well-being as access to quality
health care. Stigmatism associated with their illness and possible sexual orientation can
add to the difficulty of obtaining and maintaining housing. Persons with HIV/AIDS can
Chapter 2: Community Profile
27
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
also require a broad range of services, including counseling, medical care, in-home care,
transportation assistance, and food provision.
According to the California Department of Public Health, a total of 1,439 HIV and
1,759 AIDS infected persons lived in San Bernardino County as of December 31, 2008.
4. Female-Headed Households
Single-parent households are likely to have special needs for housing, including
proximity and access to day care, public transportation, and recreation facilities.
Because of their relatively lower income and higher living expenses, female-headed
families have comparatively limited opportunities for finding affordable and decent
housing. Female-headed households may also be discriminated against in the rental
housing market because some landlords may be concerned about the ability of these
households to make regular rent payments. Consequently, landlords may require more
stringent credit checks or higher security deposits for women, which would be a
violation of fair housing laws.
In 2008, households headed by women comprised approximately 23 percent (13,411
households) of all households in the City of San Bernardino. Of these households, the
majority (7,024 households) included children. Female-headed households are
disproportionately impacted by poverty. In the City, approximately 33 percent of
female-headed families were living below the poverty level, whereas only 15 percent of
married couple families were living below the poverty level. Countywide, 30 percent of
the female-headed families were living in poverty, and only seven percent of married
couple families were living in poverty.
5. Large Households
Large households, defined as those with five or more persons, often face discrimination
in the housing market, particularly in the rental market. Property owners and managers
may be concerned with the potential increase in wear and tear and liability issues
related to large households, especially those with children. In addition, large households
also have a higher cost of living and need larger homes. While the cost of housing itself
is not a fair housing issue, the competition for lower-priced housing and the scarcity of
larger, low-rent units may create an environment where fair housing violations may
occur.
For San Bernardino, the 2008 American Community Survey estimated that 11,454
households had five or more members, representing almost 20 percent of the total
households in the City.
The special Census tabulations for HUD, Comprehensive Housing Affordability Strategy
(CHASl, indicate that among the large households in the City, approximately 74
percent experienced some form of housing problems in 2000 (Table 14). These housing
problems include overcrowding, cost burden, or substandard housing conditions. This
Chapter 2: Community Profile
28
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
illustrates that San Bernardino has a need for larger affordable housing units with three
or more bedrooms.
Table 14: Large Household Profile
Special Need Group % DfTotal Low I Moderate Housing
HousehDlds 1 income' Problems'
Larqe Households 22.4% 60.9% 74.4%
All Households 100.0% 54.8% 49.9%
Sources: 11 U.S. Census Bureau, 2000 Census; 21 HUD CHAS, 2004
6. Homeless Population
Homeless persons often have a very difficult time finding housing once they have
moved from transitional housing or other assistance program. Housing affordability for
those who were formerly homeless is challenging from an economics standpoint, but
this demographic group may also encounter fair housing issues when landlords refuse
to rent to formerly homeless persons. The perception may be that they are more
economically (and sometimes mentally) unstable.
The County of San Bernardino County Office of Homeless Services conducted a
comprehensive survey of the County's homeless population in 2009. According to the
2009 San Bernardino County Point-In- Time Homeless count and survey, approximately
1,736 homeless persons live in the City of San Bernardino, with 968 of the persons
classified as unsheltered homeless, 747 persons estimated to be living in emergency or
transitional housing facilities, and the remaining 21 persons counted as using a
hotel/motel voucher during the night of the survey.
San Bernardino County's homeless can be divided into these subpopulations:
chronically homeless, severely mentally ill, chronic substance abusers, veterans,
persons with HIV/AIDS, victims of domestic violence, and unaccompanied youths.
Chronically homeless persons make up 26 percent of the homeless population in the
county at-large, 12 percent are victims of domestic violence, 18 percent are chronic
substance abusers, 21 percent are severely mentally ill, another two percent are livin9
with HIV/AIDS, 18 percent are veterans, and three percent are unaccompanied youths.
Participants at the community meeting conducted as part of the Analysis of
Impediments to Fair Housing Choice also noted the housing needs of post-incarcerated
persons and potential discrimination that may result. Participants noted that post-
incarcerated persons have difficulty finding housing, as housing applications ask for
information on incarceration, limiting access to existing housing options in the City.
Inventory of Facilities and Services for the Homeless and Persons Threatened
with Homelessness
The San Bernardino County Homeless Partnership (SBCHP) was formed to provide a
more focused approach to issues of homelessness within the county. The Partnership
Chapter 2: Community Profile
29
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
consists of community and faith-based organizations, educational institutions, nonprofit
organizations, private industry, and federal, state, and local governments.
A network of nonprofit organizations operates 24 emergency shelter facilities, 24
transitional housing facilities, and seven permanent supportive housing facilities within
the county. Emergency shelters often provide accommodation for a few days up to
three months. Transitional housing provides shelter for an extended period of time (as
long as 18 months) and generally includes integration with other social services and
counseling programs that assist people in attaining a permanent income and housing.
Permanent supportive housing is rental housing for low income or homeless people with
severe mental illness, substance abuse, or HIV /AIDS with accompanying services that
further self-sufficiency. The county, individual jurisdictions, and numerous agencies
oversee a total of 425 beds in emergency shelters, 461 beds in transitional housing
shelters, and 157 beds in permanent supportive housing settings in San Bernardino
County. In addition, 67 permanent supportive and 74 transitional housing beds are
under development throughout San Bernardino County. The City has cooperative
partnerships with numerous organi2ations that help with homeless services. Table 15
provides a list or homeless service providers within the City.
Chapter 2: Community Profile
30
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 15' Homeless Partnerships
Orllanization Name locatiDn Services
Arrowhead United Way 646 North 'D' Street Health and human care services.
Catholic Charities - San 1800 Western Avenue, #107 Health and human care services.
BernardlnD
Center of Christ 468 West 5th Street Health and human care services.
Ministries/Inland Empire
Marriage Coalition
Central City Lutheran Mission 1354 North 'G' Street Housing prDgram fDr individuals
affected with HIV; Cold weather shelter
program during the winter months, for
men only; Health and human care
services.
Community Action Partnership 696 S. Tippecanoe Ave. Health and human care services.
of San Bernardino County
(CAP)
First 5 San Bernardino 330 North 'D' Street, 5th Floor Health and human care services to
children under 5 and their families.
Inland Behavioral Health 1963 North 'E' Street Health and human care services;
Services, Inc. Substance abuse treatment
Phase 1 Transitional Living 1106 N. Barton SI. Suite B Transitional housing for single men and
women; or women with children. Health
and human care services.
The Salvation Army 746 West 5th Street Emergency Shelter; Cold weather
shelter program during the winter
months
The Salvation Army 730 W. Spruce Street Health and human care services; Cold
weather shelter program during the
winter months; Motel Vouchers are
provided to women and women with
children
Time For Change Foundation 2130 N. Arrowhead Ave. Homeless shelter for women recovering
from the effects of mental and physical
abuse. substance abuse and
incarceration; Health and human care
services
Source: San Bernardino HousinQ Element, 2008
Chapter 2: Community Profile
31
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
E. Housing Profile
To address fair housing issues of a community, the existing housing market must be
analY2ed to distinguish local and current conditions. The following sections provide an
overview of the characteristics of the local and regional housing market.
1. Housing Unit Growth
In 2009, the California Department of Finance estimated that there were 66,640
housing units in San Bernardino, an increase of five percent since 2000 (Table 161. San
Bernardino's housing growth over the past nine years was comparable to the growth
experienced by nearby cities, including Redlands and Rialto. Other surrounding cities,
such as Fontana, however, experienced tremendous growth in housing units (40
percent) between 2000 and 2009. The countywide increase in housing units was 15
percent during the same period.
Table 16 Housing Growth - 2000-2009
Jurisdiction Housina Units Percent Change
2000 2009 2000-2009
San Bernardino 63,531 66,640 5%
Fontana 35,907 50,365 40%
Redlands 24,790 26,807 8%
Rialto 26,048 27,075 4%
San Bernardino County 601,369 690,234 15%
Source: State of California, Department of Finance, E.5 Population and Housing Estimates for Cities, Counties and the
State, 2001.2009. with 2000 Benchmark. Sacramento, Calffornia, Mav 2009.
2. Housing Type
The City of San Bernardino's housing stock is comprised primarily of single-family
homes. According to California Department of Finance estimates, single-family homes
accounted for 63 percent of the housing stock in the City, whereas multi-family
housing accounted for 30 percent in 2009 (Table 17). Seven percent of housing units
in the City are mobile homes.
Surrounding jurisdictions share similar housing type characteristics, with all surrounding
jurisdictions having considerably greater proportions of single-family homes. A total of
75 percent of housing units in San Bernardino County are single-family homes,
compared to only 19 percent multi-family.
Chapter 2: Community Profile
32
,.,..,"-,--~~---~~,._---
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 17 HousJn!j Type - 2009
Housino Tvne
Jurisdiction Single Multiple Mobile Total Units
Familv Familv Home
San Bernardino 42,024 20,129 4,487 66,640
63% 30% 7%
Colton 10,268 5,185 815 16,268
63% 32% 5%
Fontana 41,345 7,716 1,304 50,365
82% 15% 3%
Highland 13,107 2,727 861 16,695
79% 16% 5%
Loma Linda 4,909 3,737 562 9,208
51% 41% 6%
Redlands 18,236 7,652 919 26,807
68% 29% 4%
Rialto 19,633 5,639 1,803 27,075
73% 21% 7%
San Bernardino County 515,492 129,712 45,030 690,234
75% 19% 7% Source: State of California, Department of Finance, E.5 Population and Housing Estimates for Cities, Counties
and the State, 2001.2009, with 2000 Benchmark. Sacramento, California, Mav 2009.
3. Housing Tenure and Vacancy
Housing tenure describes the arrangement by which a household occupies a housing
unit, that is, whether a housing unit is owner occupied or renter occupied, The way
housing tenure is distributed in a community can influence different aspects of the local
housing market. For example, residential stability is influenced by tenure, as ownership
housing typically exhibits lower turnover rate than rental housing. Higher cost burden,
which is defined by HUD as the ratio between payment for housing (including utilities)
and reported household income, is far more prevalent among renters, A household's
tenure is strongly related to household income, composition, and age of the
householder.
San Bernardino is closely split between owner- and renter-occupied housing units, with
49 percent owner occupied and 43 percent renter occupied. The remaining eight
percent of housing units were vacant in 2008 (Table 18).
Table 18: HousJn!j Tenure - 2008
Jurisdiction
San Bernardino
Vacant Units
Chapter 2: Community Profile
33
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
4. Housing Condition
State and federal housing programs typically consider the age of a community's
housing stock when estimating rehabilitation needs. In general, most homes begin to
require major repairs or have significant rehabilitation needs at 30 or 40 years of age.
Approximately 49 percent of the housing stock in San Bernardino is over 30 years old
(Table 19), indicating the possibility of needed repair and rehabilitation for almost half
of the City's housing stock. In rental units, landlords may not complete needed
maintenance or repairs requested by tenants as buildings begin to age. Some tenants
have resorted to reporting the conditions to the City's Code Compliance Department or
County Health Department.
Table 19. A e of Housln!j Stock - 2008
Number of Units Percent ofT 0131
Year Built San San Bernardino San San Bernardino
Bernardino County Bernardino County
1939 or Earlier 5,710 30,447 9% 4%
1940-1949 5,820 26,780 9% 4%
1950-1959 13,191 81,118 21% 12%
1960-1969 8,114 75,252 13% 11%
1970-1979 10,082 120,497 16% 18%
1980-1989 12,354 163,554 19% 24%
1990-1999 4,894 91 ,457 8% 13%
2000-2004 2,206 64,461 3% 9%
2005 or Later 1,556 33,804 2% 5%
Total 63,927 687,370 100% 100%
Source: u.s. Census Bureau, 2008 American Community Survey
The U.S. Census Bureau's 2008 American Community Survey contains information
regarding the number of housing units that lack complete plumbing or complete kitchen
facilities. These conditions are both indicators of deficient housing units. Approximately
537 units in San Bernardino lacked complete plumbing and 488 units were without
kitchen facilities (Table 20). The percentage of units in the City that lacked complete
plumbing was slightly higher than in the county as a whole. The percentage of units
lacking complete kitchen facilities was the same for both the City and the county.
Table 20 HousJn!j Stock DefiCienCies. 2008
Units Lacking Complete Units Lacking Complete
Jurisdiction Plumbing Kitchen Facilities
Number of % of Total Number % ofTotal
Units OccuDied Units of Units OccuDied Units
San Bernardino 537 0.90% 488 0.80%
San Bernardino County 3,256 0.60% 4,921 0.80%
Source: U.S. Census Bureau, 2008 American Community Survey
Chapter 2: Community Profile
34
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Lead-Based Paint Hazards
Lead poisoning can affect nearly every system in the body and its effects are especially
harmful to young children. According to the Centers for Disease Control (CDCl,
approximately 250,000 children aged one to five years in the United States have
elevated levels of lead in their blood. Several factors contribute to higher incidents of
lead poisoning:
. All children under the age of six years at old are at higher risk.
. Children living at or below the poverty line are at a higher risk.
. Children in older housing are at higher risk.
. Children of some racial and ethnic groups and those living in older housing are at
disproportionately higher risk.
The CDC has determined that a child with a blood lead level of 15 to 19 micrograms
per deciliter (pg/dl) is at high risk for lead poisoning and a child with a blood lead level
above 19 pg/dl requires full medical evaluation and public health follow-up.
Lead Hazards
Between 2006 and 2009 (three years), the County of San Bernardino Department of
Public Health's Childhood Lead Poisoning Prevention Program reported 396 children
with elevated blood lead levels (BLL) of 10 micrograms per deciliter (mcg/dL) or
greater. The cities of San Bernardino, Fontana, Ontario, and Colton had the highest
number of cases, respectively. Cases in the City of San Bernardino accounted for 32
percent of total cases in the County during that three-year period.
Estimating Number of Housing Units with Lead-Based Paint
The age of the housing stock is an important factor in estimating the number of
housing units with lead-based paint. In 1978, the use of lead-based paint on residential
property was prohibited. National studies estimate that approximately 70 percent of all
residential structures built prior to 1978 contain lead-based paint (LBPl, and older
structures have the highest percentage of LBP.
CHAS data provides the number of housing units constructed before 1970 that were
occupied by lower income households. This data can be used to approximate the extent
of LBP hazards among lower income households. While information on units
constructed before 1978 is not available from CHAS, estimates based on the pre-1970
stock provide a conservative depiction of the extent of LBP hazards. Citywide,
approximately 1,023 units occupied by extremely low income households, 3,120 units
occupied by low income households, and 4,276 units occupied by moderate income
households may contain LBP (Table 21).
Chapter 2: Community Profile
35
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 21 Number of Units with LBP Occupied by Low/Moderate Income Households
Number of Units Occupied by Percent Estimated Number of Units with
Year Units Low/Moderate Income Households Units LBP and Occupied by
Built with LowlModerate Income Households
Extremely Low Moderate LBP' Extremely Low Moderate
Low' Low
Before 1970 1,461 4,458 6,109 70% 1,023 3,120 4,276
1. Owner occupied units for extremely low income group not available. Figure includes only rental units
2. Conservative estimate of potential lead hazard
Source: HUD CHAS Data, 2004.
F. Housing Costs and Affordability
Some housing problems are directly related to the cost of housing in a community. If
housing costs are relatively high in comparison to household income, a correspondingly
high prevalence of housing cost burden and overcrowding occurs. However, housing
affordability alone is not necessarily a fair housing issue. Fair housing concernS may
arise only when housing affordability interacts with factors covered under the fair
housing laws, such as household type, composition, and race/ethnicity.
1. Ownership Housing Cost
Table 22 shows the median home prices for San Bernardino and surrounding
jurisdictions in both October 2008 and 2009. The median home price in San Bernardino
decreased by 29 percent between October 2008 and 2009, from $120,000 to
$85,000. San Bernardino County as a whole, along with a majority of the cities within
the county, had a similar decline in home prices, representative of the national housing
and economic crisis. The median home price for the City of San Bernardino has
remained approximately half that of the county during the decline.
Table 22. Median Home Prices 2009
Jurisdiction Units Sold Median Home Prices % Change
October 2009 October 2008 October 2009 Oct 2008 - Oct 2009
San Bernardino 367 $120,000 $85,500 -29%
Adelanto 87 $122,250 $90,500 -26%
Barstow 42 $95,000 $60,750 -36%
Bia Bear Lake 51 $335,000 $250,000 -25%
Colton 57 $159,000 $110,000 -31%
Fontana 363 $247,250 $210,500 -15%
Grand Terrace 13 $241,250 $175,000 -28%
Hiahland 67 $222,000 $160,000 -28%
Loma Linda 15 $335,500 $188,000 -44%
Redlands 60 $253,500 $260,000 3%
Rialto 158 $190,000 $146,000 -23%
Y ucaioa 60 $258,500 $196,750 -24%
San Bernardino County 3,176 $200,000 $150,000 -25%
Source: Data Quick Information Systems, 2009
Chapter 2: Community Profile
36
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
2. Rental Housing Cost
Given the large rental market in the City (43 percent of all housing units are rented), it
is important to evaluate the affordability of the housing stock available for rent. The
following are rental rates in 2010, based on an internet search of available listings:
. Studio: $525 - $700
. One-bedroom apartment: $625 - $790
· Two-bedroom apartment: $795 - $900
· Three-bedroom apartment: $900 - $1,250
. Three-bedroom home: $1,100 - $2,200
3. Housing Affordability
While affordability is not a fair housing issue, it does affect housing choice. Fair
housing concerns may also arise when housing affordability issues disproportionately
affect groups that are protected by fair housing laws.
Housing affordability for a household is dependent upon income and housing costs.
Using income limits established by HUD, current housing affordability can be estimated
for the various income groups (Table 23). Given the median home prices presented in
Table 22, homeownership and market rents may be within the reach of some low and
moderate income households, mostly due to recent declines in home prices. However,
extremely low income households cannot afford market rents in the City of San
Bernardino.
Chapter 2: Community Profile
37
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 23 San Bernardino County Housln!j Affordabillty
Income Levels Taxes Maximum Affordable
Housina Costs
Income Group Annual Affordable Utilities and
Income Payment Insurance Home Rental
Extremely Low (0-30% MFI}
One Person $14,000 $350 $50 $80 $38,674 $300
Small Family $18,000 $450 $50 $90 $54,495 $400
Large Family $21,600 $540 $50 $100 $68,558 $490
Low (30-50% MFI
One Person $23,300 $583 $50 $115 $73,392 $533
Small Family $29,950 $749 $100 $130 $91,191 $649
Large Family $35,950 $899 $150 $145 $106,133 $749
Moderate (50-80% MFI}
One Person $37,300 $933 $50 $165 $126,129 $883
Small Family $47,950 $1,199 $100 $190 $159,749 $1,099
Large Family $57,550 $1,439 $150 $220 $187,875 $1,289
Notes:
1. Small Family = 3 persons; Large Families = 5 or more persons
2. Utility costs forrenters assumed at $501$1001$150 per month
3. Monthly affordable rent based on payments of no more than 30% of household income
4. Property taxes and insurance based on averages for the region
5. Calculation of affordable home sales prices based on a down payment of 10%, annual interest rate of 6.5%, 30-year mortgage,
and monthly payment of gross household income
6. Median Family Income in 2009 for San Bernardino County = $65,400
4. Housing Cost Burden
State and federal standards specify that a household experiences a housing cost burden
if it pays 30 percent or more of its gross income on housing. Households experiencing
housing cost burden often have limited remaining income for other necessities. Upper-
income households generally are capable of paying a larger proportion of income for
housing; therefore, estimates of housing cost burden generally focus on low and
moderate income households. Table 24 shows the distribution of households
experiencing housing cost burden in the City of San Bernardino. A higher percentage of
renter households (48 percent) were affected by cost burden than all households in the
City (38 percent).
Table 24: Housln!j Cost by Tenure - 2000
City of San Bernardino San Bernardino County
Housing Problem Number %of Number %of
Households Households
Cost Burden (All Households) 21,318 38% 176,990 34%
Owner-Occuoied 8,544 29% 100,247 30%
Renter-Occuoied 12,789 48% 77,189 41%
Source: HUD CHAS, 2004
Chapter 2: Community Profile
38
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
5. Overcrowding
Overcrowding is an important indicator of household need. An overcrowded household
is defined as one with more than one person per room, excluding bathrooms, kitchens,
hallways, and porches. Severely overcrowded households are those with more than 1.5
persons per room. Unit overcrowding typically results from the combined effect of low
earnings and high housing costs in a community, and reflects the inability of
households to buy or rent housing that provides a reasonable level of privacy and
space. Overcrowding accelerates deterioration of homes and infrastructure, and results
in a shortage of on-site parking.
The 2008 American Community Survey reports that 15.1 percent of occupied housing
in the City is overcrowded. The incidence of overcrowding in the City of San
Bernardino is much higher than countywide (8.6 percent). Severely overcrowded
households are also more prevalent in the City than the county at large; 6.3 percent of
households in the City were overcrowded in 2008, compared to 2,5 percent in the
county (Table 25).
Table 25. San Bernardino City/County Overcrowdln!j- 2008
% of All Housing Units
San Bernardino San Bernardino County
Overcrowded (1.01-1.5 oersons/room\ 8.8% 6.1%
Severelv Overcrowded 1>1.5 oersons/room\ 6.3% 2.5%
Total Overcrowded (>1.0 oerson/room\ 15.1% 8.6%
Source: u.s. Census Bureau, 2008 American Community Survey
The prevalence of overcrowding varies significantly by income, tenure type, and size of
household. Generally, lower-income households and large families are disproportionately
affected by overcrowding. However, cultural differences also contribute to the
overcrowding condition since some cultures tend to have larger household sizes. As
indicated in Table 26, overcrowding is more than twice as likely to occur in renter-
occupied housing units (21.4 percent) versus owner-occupied units (9.4 percent).
Table 26, San Bernardino Overcrowdln!j by Tenure Type - 2008
% of All Owner Occupied
Housin Units
7.4%
2,0%
9.4%
% of All Renter Occupied
Housin Units
10.2%
11.1%
21.4%
Chapter 2: Community Profile
39
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
G. Public and Assisted Housing Profile
The availability and location of public and assisted housing may be a fair housing
concern. If such housing is concentrated in one area of a community, a household
seeking affordable housing is limited to choices within that area. In addition,
public/assisted housing and Section 8 Housing Choice Voucher assistance should be
accessible to lower income households regardless of race/ethnicity, disability, or other
protected class status.
1. Public Housing
The Housing Authority of the County of San Bernardino (HACSB) manages 1,661 units
of public housing throughout the County of San Bernardino. These units were
developed with funding from HUD, and HACSB continues to receive operating subsidies
for these units. Throughout the years, other non-HUD units were either acquired and/or
developed through various partnerships with the state of California, San Bernardino
County of Community Development and Housing, various cities and Housing Partners,
Inc., a non-profit housing corporation. Throughout the County, HACSB has 1,136
authority-owned units, and 154 of those units are located in the City of San
Bernardino. There are 19,807 people on the public housing waiting list; 5,780 of those
live in the City of San Bernardino.
The demographic information of public housing residents in both the County and City of
San Bernardino is presented in Table 27. More than a quarter of public housing
households have a disabled member and 10 percent have an elderly member. With
regard to race, public housing residents are most likely to be White or Black (49 percent
and 40 percent, respectively). Almost half (46 percent) of public housing residents are
of Hispanic origin. Demographic information of the public housing waiting list is not
available.
Chapter 2: Community Profile
40
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
County
S ecial Needs
Elderl
Disabled
Race
White
Black
American Indian
Asian
Native Hawaiian
Other/Declined to Answer
Ethnicit
His anic
Non-His anic
Declined to Answer
Notes:
1. Data for family type calculates percentage of families with any family member
exhibiting characteristic
2. Data for ethnicity accounts for all persons in households receiving housing choice
vouchers
Source: Housin Authorit of the Count of San Bernardino, 2010
10.3%
25.4%
7.0%
13.0%
48.7%
39,5%
0.2%
6.2%
2,5%
2.9%
56.5%
36,1%
0.6%
4.9%
1.9%
46.1%
53.1%
0,8%
44.7%
54.8%
0.5%
2. Tenant-Based Rental Housing Assistance
Section 8 is a rent subsidy program that helps low income families (those earning up to
50 percent MFI) and seniors pay rents in private units. Section 8 tenants pay a
minimum of 30 percent of their income for rent and the Housing Authority through
funds provided by HUD pays the difference, up to the payment standard established by
the Housing Authority. The program offers low income households the opportunity to
obtain affordable, privately-owned rental housing and to increase their housing choices.
The Housing Authority establishes payment standards based on HUD-established fair
market rents. The owner's asking price must be supported by comparable rents in the
area. Any amount in excess of the payment standard is paid by the program
participant.
As of 2009, 7,771 households received a Housing Choice Voucher (HCV), commonly
referred to as Section 8, in the County of San Bernardino. Residents in the City of San
Bernardino receive the largest proportion of those vouchers (2,249 vouchers).
Countywide, approximately 68 percent of HCV recipients have children, are seniors, or
are individuals with disabilities; approximately 47 percent are households with children,
nine percent of households are headed by seniors, and 20 percent of all residents
receiving a Housing Choice Voucher are disabled. The waiting list for the HCV Program
has over 27,000 applicants, 7,453 of which are residents of the City of San
Bernardino. Table 24 presents the demographic characteristics of HCV participants and
those on the HCV waiting list.
Chapter 2: Community Profile
41
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 28 Demowaphlcs of Housln!j Choice Voucher Participants and
Wallln!j List
Partici ants Waitioo List
City of San County City of San County
Bernardino Bernardino
Totals 2,249 7,771 7,453 27,412
Familv Tvoe
Elderlv 17.6% I 9.0% I 5.0% I 5.9%
Disabled I 44.3% I 20.0% I 6.4% I 1.6%
Race
White 36.8% 42.3% 22.1% 24.7%
Black 55.2% 55.4% 56.7% 54,9%
American Indian 0.5% 0.6% 1.3% 1.6%
Asian 1.5% 1.6% 1.2% 1.1%
Native Hawaiian 0.0% 0.1% 0.7% 0.7%
Other/Declined to Answer 6.0% -- 18.0% 16.9%
Ethnicitv
Hisoanic 28.0% 25.2% 27.4% 25.6%
Non-Hisoanic 72.0% 74.8% 62.7% 63.9%
Declined to Answer -- -- 9.8% 10.4%
Notes:
1. Waiting list was closed to new applicants in 2007
2. Data fOf family type calculates percentage of families with any family member exhibiting characteristic
3. Data for ethnicity accounts for aU persons in households receiving housing choice vouchers
Source: Housino Authority of the County of San Bernardino, 2010
More than 44 percent of HCV participants are disabled, and almost 18 percent are
elderly. More than half of HCV participants are Black (55 percent) and 28 percent are
Hispanic. With regard to the waiting list, a small percentage of households contain an
elderly or disabled member (5 percent and 6 percent, respectively). Racial/Ethnic
characteristics of those on the HCV waiting list are predominantly similar to those
persons currently receiving HCV assistance.
Chapter 2: Community Profile
42
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
3. Project-Based Rental Housing Assistance
In addition to public housing and Section 8 assistance, 11 federally assisted multi-
family housing projects provide 1,009 affordable housing units in the City of San
Bernardino. Error! Reference source not found. provides data on the City's federally
assisted multi-family housing stock. All of these developments maintain project-based
Section 8 rental assistance or other subsidies to ensure affordability of the units to low
income households.
Table 29 Federally Assisted Multi-Family Housln!j
Assisted Potential
Project Total Units Units Program Earliest
Exoiration
AHEPA 302 Aparlments 90 90 Section 202 2064
Gilberl and Parkside
Lutheran Senior 50 49 Bond / HOME 2040
2355 N. Osborn Road
Little Zion Manor 125 125 Section 8 2021
2000 Jubilee Ct.
Pioneer Street Plaza 161 160 Section 8 / RDA L1M 2055
540 North F Street
San Bernardino Senior Housing 74 74 Section 202/ HOME 2056
1530 W. Baseline Street
St. Bernardine Plaza 150 148 Section 202/ HOME 2034
584 West 5th Street
Sterling Village 74 74 Section 8 4/28/2013
7630 SterlinQ Avenue
TELACU I Sierra Vista 75 75 Section 202 2057
650 W 6th Street
TELACU II Monte Vista 75 75 Section 202 2057
451 H Street
TELACU III Buena Vista 75 74 Section 202 2059
365 E Commercial
Village Green Aparlments 184 65 Section 8 5/31/2010
2122 Chestnut Street
Total 1,133 1,009
H. Community Facilities
The City of San Bernardino has a wide array of public and private facilities to meet the
needs of its residents, including those with special needs and lower incomes. These
facilities provide important services including after-school programs,
assistance/advocacy plograms, educational programs, job training, and recreational
activities. The City continues to expand its inventory of park and recreational facilities
to accommodate the growing population.
Chapter 2: Community Profile
43
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
There are a total of 52 developed parks and recreational facilities in the City including
19 neighborhood parks, 10 community parks, 17 mini-parks, three regional parks, and
three special facilities (including community buildings and senior centers). These parks
contain a range of facilities, including children's play equipment, tennis and volleyball
courts, and athletic fields.
The City provides recreational services at the local schools located throughout San
Bernardino under a joint resolution adopted by the Common Council and the school
district. The schoolyard facilities remain open in the daytime hours after school for
recreational use of the community. The City Parks, Recreation, and Community
Services Department operates a variety of recreational programs on school grounds,
including the Tiny Tot program, Senior Citizen leisure programs, and active and passive
programs for all age groups including after-school activities during the regular school
year. For the use of school building facilities and pools, the City pays rental fees.
San Bernardino is home to seven community centers that offer a variety of leisure and
social activities for all ages and cultural interests, such as youth and adult sports,
summer and off-track lunch program, teen and youth clubs, tutoring, arts and crafts,
senior nutrition, family night, etc. The centers also act as a focal point for collaboration
and partnership with other organizations and agencies to provide specialized services
and resources such as the HeartSmart Program, English as a Second Language classes,
teen pregnancy prevention programs, immunization, health screenings, food
distribution, and Headstart.
I. Licensed Community Care Facilities
Persons with special needs such as the elderly and those with disabilities must also
have access to housing in a community. Community care facilities provide supportive
housing environments to persons with special needs in a group setting. Restrictions
that prevent this type of housing from locating in a community impede equal access to
adequate housing for special needs groups. A summary of Licensed Community Care
Facilities in San Bernardino that serve some of the special needs groups is provided in
Table 30. There are 65 licensed community care facilities located in San Bernardino
with a total capacity to serve a total of 1,083 persons.
Table 30' Licensed Community Care Facilities 2009
Total Number of Capacity (Number of
Type of Facility Facilities Beds or Persons)
Total
Adult Dav Care 6 295
Adult Residential Facilitv 40 336
Grouo Home 9 54
Residential Care for the Elderlv 10 398
Total 65 1,083
Source: Calffornia Deoartment of Social Services, CommunitvCare UcensinaDiYision, 2009
Chapter 2: Community Profile
44
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Adult day care facilities provide programs for frail elderly and developmentally disabled
and/or mentally disabled adults in a day care setting. Adult residential facilities provide
care for developmentally and mentally disabled adults. Group homes are facilities of any
capacity and provide 24-hour non-medical care and supervision to children in a
structured environment. Group homes can provide social, psychological, and behavioral
programs for troubled youths. Residential Care Facilities for the Elderly (RCFEsl can
accommodate seniors with dementia and/or those who are non-ambulatory.
Figure 6 shows the geographic distribution of these facilities, as well as local
emergency shelters, transitional shelters, and transitional housing offering substance
abuse services, in relation to low and moderate income areas in San Bernardino.
Although there are clusters of facilities in various areas throughout the City, no
concentration in the low and moderate income or minority areas is evident.
Chapter 2: Community Profile
45
Q)
o
'0
,C
u
Cl
c
'iii
:J
o
I
~
'n;
u..
o
-
<Il
-
o c
.E Q)
'E .~
",-0
C Q)
~ c.
~ E
c-
'" 0
en <Il
- .-
o ~
~ro
._ c
U<{
.
~ g
<<1 !! It
~ ~~ ~
g ~ ~ ~
.E ~ 1 ~
~ ~ ~ ~
~ ~ ~-;
1:; gO"
~ ~H
] ;~:1
': ~! I
. .. .
I.':) .3 ;'::$~
~I h'
e> I; 1
~ "~,
,
~ '"
",
, '.
~
<
~ ~
~ ~
~ c
" ~ ~
g U 3:
~ 01 .:.
~ ~ !. ]
... l: ,. 0
~ :: '" a:: -:l
~ E ~ _9. E
Vl Ji l: ~ :
I
I
, "
'-'
'" '\...
,
"
"
"
"
,
,
".
,
,
'-
, '-:
, , " "
"
"
,,-'- 0....
,'" ~ ID "-
0'" '
",0
.....
_ z ~,
'.ffiCS:-"
a:l ~ "-\
:i ~ " "-
U) < '.:
. z
,
,
"
co "
c
'Vi
:J
o
:t:
Q)
:c
..
'C
~
oS "
-
<>:
'C
c
..
<Il
~
'u
..
"-
Q)
~
..
(,)
;;;
.~
c
Q)
'C
'Vi
Q)
ex:
'C
Q)
<Il
C
Q)
o
:.:::;
"
..1
/.'
Ie .j
D
{J
, "
'.
cD
Q)
~
:J
.en
u:
~~
..
,~
~x
02
x
_1...11<
,..;1;
;sc
~
~!i!
,..
,,~
u~
~
~
'"
~
_5 ~ E
" .. c(
.. _:_'. iB~e
Ui _ ".::: ~
""2 co 0: -= !!? ~
~ =: ~ C go '3
~ge"i -~~~
:=r"'! ~5:t~
uQ>u-l~uxa:.r.
~ ~ ~ ~ ~ "i ~ e Vl
4>~co:J:'E.~gg
~~-S.;~~~~~
~4~~~[~~~
~ a: I- ~ .B
~o..eeo@o
<Il C
Q) ~
:02 0::
:: '0
u ~
.. -
u..~
G) :.::
~ 0
.. ~
u g
'Cu
.. '"
III ~
CO
.. ':'
u 0
~5
N
..
l)~
,~
~..
"
i
,
"
~
!
_"0 S
i~So~2
i "u.... ,<:I
0=1.,)('1'" N
~ t'-; t'i~
2 ~~.~ L~~
<:I l: ,0: >..:: ::
N .- iio II: _..
cO .... ill u.':'~
~ ~....g' :....:,....
!: .:: c ~ g,-~ e'
;;:: Q E if c' 0;: C!
.. <:I II: u ("l -.c
~gE.J3i~~
-g ~ ~ ~ li. c;;:;
~ .,," ~ , .
!! fO>~-=>
.c o.t ,::... 1ii: ~
l. S E ~.~ t!
~ ~.g i: 1 CIl '"
~ ell: _ " ::.c
l,nu8;:J~
.!!!
;;::
o
~
a..
>
-
'c
:J
E
E
o
U
N
Q;
-
0.
ro
,Cm
U<t
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
J. Public Transportation
Analysis of public transportation options aids the analysis of impediments to fair
housing choice because access to public transportation is important to households with
low incomes. Public transportation should be available to link lower-income persons,
who are often transit dependent, to major employment centers where job opportunities
exist. The lack of a relationship between public transportation, employment centers,
and affordable housing may impede fair housing choice because persons who depend
on public transportation will have limited choices of places to live. In addition, certain
special needs groups, such as the elderly and disabled, also often rely on public
transportation to run errands, visit the doctor, reach community facilities, or conduct
other activities. Public transit that provides a link between job opportunities, public
services, and housing ensures that everyone has an equal opportunity of access.
Omnitrans provides public transportation services to the City of San Bernardino and
surrounding areas of San Bernardino County. There are12 fixed-route bus lines that
provide transportation to the residents of the City of San Bernardino (Table 31).
Omnitrans is also developing the San Bernardino Express (sbX) Bus Rapid Transit Line,
projected to start service in 2013. The proposed 15.7-mile E Street Corridor of the sbX
is planned to connect California State University San Bernardino, downtown San
Bernardino, Hospitality Lane, Loma Linda University Medical Center and the Jerry Pettis
Memorial Veterans Health Center. Omnitrans envisions that the sbX will boost mobility
between heavily traveled areas of San Bernardino and create a new transit alternative
for key downtown workforce centers, including San Bernardino City Hall, the San
Bernardino Superior Courthouse, and the San Bernardino County Government Center.
Chapter 2: Community Profile
47
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 31. Ornnltrans Fixed-Route Lines
Route Name Descriotion of Route
1 ARMC - San Bernardino -Del Rosa. This route connects Colton and San Bernardino.
2 Cal State - E-St. - Loma Linda, This route connects Cal State San Bernardino and Loma
Linda.
3&4 Baseline - Highland - San Bernardino. Route 3 connects West San Bernardino, Baseline,
and Hiohland. Route 4 connects West San Bernardino and Hiahland,
5 San Bernardino - Del Rosa - Cal State. This route connects San Bernardino and Del Rosa
and Cal State San Bernardino,
7 N, San Bemardino - Sierra Way - San Bernardino. This route connects San Bernardino,
Sierra Wav. and Verdemonte.
8 San Bernardino - Mentone - Yucaipa. This route connects San Bernardino with Mentone
and Yucaioa.
9 San Bernardino - Redlands - Yucaipa. This route connects San Bernardino with Mentone
and Yucaioa.
10 Fontana - Baseline - San Bernardino. This route connects San Bernardino to Baseline and
Fontana.
11 San Bernardino - Muscoy - Cal State. This route connects downtown San Bernardino with
Muscov,
14 Fontana - Foothill - San Bernardino. This route connects San Bernardino with Foothill and
Fontana.
15 San Bernardino/Highland - Rediands. This route connects San Bernardino to Rialto and
Fontana.
215 San Bernardino - Riverside, This route connects San Bernardino and Riverside.
Source: Omnitrans, 2009
1. Public Transit Accessibility
All Omnitrans vehicles support the needs of the disabled community and are equipped
with lifts or ramps to aid with boarding of wheelchairs or other mobility devices. Riders
with disabilities, along with the elderly, are entitled to ride Omnitrans buses at a
reduced fare.
Additionally, Omnitrans offers a pre-reservation, shared ride service called Access.
Access is designed to meet ADA requirements and provides equal access to public
transportation for persons who are physically or cognitively unable to use regular bus
service. Access provides curb-to-curb service to complement the Omnitrans fixed-route
bus system. The Access service area is defined as up to 0.75 mile on either side of an
existing bus route. The use of Access requires reservations at least one day but no
more than seven days in advance.
2. Major Employers in San Bernardino
Twelve of the largest employers in the City, along with their location, are identified in
Table 32. The three largest employers in San Bernardino in 2008 were the County of
San Bernardino, Stater Brothers Markets, and the San Bernardino City Unified School
Chapter 2: Community Profile
48
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
District. Figure 7 shows the location of these 10 major employers in relation to public
transportation routes offered by Omnitrans.
Table 32' Major Employers In San Bernardino 2008
Employer Name Approximate Location
EmoJovees
County of San Bernardino 18,000 385 N Arrowhead Ave 1
Stater Brothers Markets 7,900' 301 S Tipoecanoe Ave
San Bernardino Citv Unified School District 7,722 777 North F St
Patton State Hosoital 2,500 3102 E Highiand Ave
San Manuel Band of Mission Indians 2,500 Various Locations
California State University San Bernardino 2,100 5500 Universitv Parkway
St. Bernardine Medical Center 1,538 2101 Norlh Waterman Ave
City of San Bernardino 1,500 300 Norlh D St'
Burlington Northern Santa Fe Railwav (Railvard) 1,500 1535 W 4th St
Community Hospital of San Bernardino 1,200 1805 Medical Center Dr
Caiifornia State Deparlment of Transporlation 1,000 464 W 4th St
Inland Center Mall 1,000 500 Inland Center Dr
1 Address reflects San Bernardino County's main government building; San Bernardino County employees are distributed amongst
yarious County facilities within the City.
2 Amount accounts for all persons employed by Stater Brothers- including employees working at store locations outside the City;
Employee totals for corporate headquarters and distribution center in the City were unavailable.
3 Address reflects San Bemardino City Hall; C.yof San Bernardino employees are distributed amongst yarious City facilities within
the City.
Source: City of San Bernardino Economic Deyelopment Aoency, 2008
Chapter 2: Community Profile
49
III
Q) Q)
.~ '$
o 0
<5 ~
<:
g> .g
.U) ~
" 0
o Q.
I III
<:
CO
~ ,:
o '"
- <:
'" co
o C ~
C Q) Q)
:0 E i;'
10..'- -
",-0 Q.
C Q) E
~ C. LJ.J
~ E ~
o
c _ .CV'
U1l 0 ::;:
-'~ ..
o '" r-
> Q)
~CO :s
._ c C')
U <{ u::
<
,
L'l,
,..~! :
. <.
1:;(
~c
02
<
>~
~%
OQ
%
o
~O
2
5
-0
Uw
.
~ '" 0
Gl Ill.
> '50:
.E 0-0
Q.a:~
E ~
w .~~
C/l'-
'- co
.a ~~
101-0
:E ."U
<:'"
100
N
6
o
N
.
~
o
0"
- .
0<
N"
.~
M .
~.~ri
2~~
~00
.0-
~N"
-g~g
~C:""
::11<1>
~U<
;)..<11
~ . .
0. e'~
. ' E
~J5o
~
;;::
o
n:
>
.'='
C
"
E
E
o
U
N
Q;
-
c.
'"
~O
ULn
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 3
Lending Practices
A key aspect of fair housing choice is equal access to credit for the purchase or
improvement of a home. Lending policies and requirements related to credit history,
current credit rating, employment history and general character of applicants permit
lenders to use a great deal of discretion and in the process deny loans even though the
prospective borrower would have been an acceptable risk. This chapter reviews the
lending practices of financial institutions and the access to home loans for minorities
and all income groups.
A. Background
Discriminatory practices in home mortgage lending have evolved in the last five to six
decades. In the 1940s and 1950s, racial discrimination in mortgage lending was easy
to spot. From government-sponsored racial covenants to the redlining practices of
private mortgage lenders and financial institutions, minorities were denied access to
home mortgages in ways that severely limited their ability to purchase a home.
Discriminatory lending practices today are more subtle and take varying forms. While
mortgage loans are readily available in low income minority communities, some
mortgage brokers push minority borrowers into higher-cost subprime mortgages that
can lead to financial problems by employing high.pressure sales practices and deceptive
tactics. Consequently, minority consumers regardless of their credit history, income
and other individual financial considerations continue to have less-than-equal access to
loans at the best price and on the best terms that are possible for them.
1. legislative Protection
The passage of the Community Reinvestment Act (CRAI in 1977 was designed to
improve access to credit for all members of the community. The CRA is intended to
encourage regulated financial institutions to help meet the credit needs of entire
communities, including low and moderate income neighborhoods. The CRA requires
that each insured depositary institution's records in helping meet the credit needs of its
entire community be evaluated periodically. That record is taken into account in
considering an institution's application for deposit facilities, including mergers and
acquisitions.
In tandem with the CRA, the Home Mortgage Disclosure Act (HMDAI, initially enacted
in 1975 and substantially expanded in 1989, required banks to disclose detailed
information about their mortgage lending. The law aimed to curb discrimination
compelled banks, savings and loan associations and other lending institutions to report
annually the amounts and geographical distribution of their mortgage applications,
origins and purchases disaggregated by race, gender, annual income and other
Chapter 3: Lending Practices
51
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
characteristics. The data, collected and disclosed by the Federal Financial Institutions
Examination Council, were made available to the public and to financial regulators to
determine if lenders were serving the housing needs of the communities where they
were located.
Detailed HMDA data for conventional and government-backed home purchased and
home improvement loans in San Bernardino are presented in this chapter.
2. Conventional versus Government-Backed Financing
Conventional financing involved market-rate loans provided by private lending
institutions such as banks, mortgage companies, savings and loans and thrift
institutions. To assist lower and moderate income households that may have difficulty
in obtaining home mortgage financing in the private market due to income and equity
issues, several government agencies offer loan products that have below market rate
interests and insured ('backed") by the agencies. Sources of government backed
financing include loans insured by the Federal Housing Administration (FHA), the
Department of Veterans Affairs (VA), and the Rural Housing Services/Farm Service
Agency (RHA/FSA). Often government-backed loans are offered to the consumers
through private lending institutions. Local programs such as first-time homebuyer and
rehabilitation programs are not subject to HMDA reporting requirements.
Typically, low income households have a much better chance of getting a government-
assisted loan than a conventional loan. However, the recent lending market offered
sub-prime loan options such as zero percent down, interest-only and adjustable loans.
As a result, government-backed loans have been a less attractive option for many
households. With the recent difficulties in the sub-prime housing market, however, this
option is no longer available and many households are facing foreclosure. In response,
the federal government in September 2007 created a government-insured foreclosure
avoidance initiative, FHASecure, to assist tens of thousands of borrowers nation-wide
in refinancing their sub-prime home loans. As government-backed loans are again
publicized and sub-prime loans are less of an option to borrowers, the increased use of
government-backed loan applications is likely. However, expanded marketing to assist
potential homeowners in understanding the requirements and benefits of these loans
may be necessary.
B. Conventional Home Loans
1. Home Purchase Loans
Conventional loan approval and denial rates among racial and ethnic groups in San
Bernardino from 2003 and 2008 are compared in Table 33 and Table 34. A total of
1,965 households applied for conventional home loans in San Bernardino in 2008
(Table 34).4 This represents a significant decrease in the number of loan applications
,
HMDA data for 2009 will not be released until late 2010.
Chapter 3: Lending Practices
52
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
from 2003 (Table 33). The overall approval rate of 54 percent in 2003 declined to 42
percent by 2008. There was also a greater rate of denial in 2008; 23 percent in 2008
compared to 17 percent in 2003. The lower number of applications as well the higher
denial rate and lower approval rate are all indicators of the housing market crash. In
2008 it was significantly more difficult to secure home financing than it was in 2003.
San Bernardino County had similar loan trends among racial groups in 2003 and 2008.
In the County, the highest proportion of loan applications was among White residents
(31 percent in 2003 and 32 percent in 2008) and Hispanic residents (27 percent in
2003 and 29 percent in 2008). In the City, more Hispanic residents applied for home
loans than White residents. Rates of approval and denial are similar between the City
and the County.
The "Loans Purchased" column represents loans that were approved/originated by one
lender but were sold to another lender. These loans usually apply to sub prime loans, as
discussed below. In 2008, the highest proportion of loans purchased was within the
group that did not report race (the "Not Applicable" group). Among those that did
report their race, Asian households had the highest proportion of loans purchased. In
2003, the proportions of loans purchased were fairly comparable among all groups with
the exception of the "Not Applicable" group which had a high rate of loans purchased.
Table 33: DlsposllIon of Convenllonal Home Purchase Loan Applications by Race of Applicant -
2003
Total Approved Denied Withdrawn loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Native American 38 0,5% 25 65,8% 7 18.4% 1 2.6% 5 13.2%
Asian 310 4.5% 211 68.1% 49 15.8% 20 6.5% 30 9.7%
Black 588 8,4% 329 56,0% 138 23.5% 56 9,5% 65 11.1%
Hispanic 2,643 .38.0% 1,560 59.0% 494 18.7% 276 10.4% 313 11.8%
White 1,484 21.3% 912 61.5% 215 14.5% 130 8.8% 227 15.3%
Joint 156 2.2% 100 64.1% 29 18.6% 10 6.4% 17 10,9%
Other 99 1.4% 67 67.7% 14 14.1% 7 7.1% 11 11.1%
Not Available 1,646 23.6% 564 34.3% 211 12.8% 109 6.6% 762 46.3%
Total 6,964 100.0% 3,768 54.1% 1,157 16.6% 609 8.7% 1,430 20.5%
Source: HMDA data, 2003.
Note: Applicants who filed joint applications can be of different racial backgrounds; however, HMDA data does not provide means of
identifvi~a the racial bacl<arounds of ioint annlications.
Chapter 3: Lending Practices
53
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 34 DISposition of Conventional Home Purchase Loan Applications by Race of Applicant.
2008
Total Approved Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Joint Hispanic and 37 1.9% 25 67.6% 4 10.8% 3 8.1% 5 13.5%
Non-Hisoanic
Not Available 428 21.8% 98 22.8% 61 14.3% 34 7.9% 235 54.9%
Hisoanic 752 38,3% 341 45,3% 215 28.6% 104 13.8% 92 12.2%
Non.Hisoanic GrouDs
Native American 6 0.3% 1 16.7% 2 33.3% 2 33.3% 1 16.7%
Asian 158 8.0% 65 41.1% 33 20.9% 20 12.7% 40 25.3%
Black 80 4.1% 25 31.3% 26 32.5% 18 22.5% 11 13.8%
Pac. Island 4 0.2% 3 75,0% 1 25.0% 0 0.0% 0 0.0%
White 466 23.7% 244 52.4% 107 23,0% 47 10.1% 68 14.6%
2 or more minorities 1 0.1% 1 100.0% 0 0.0% 0 0.0% 0 0.0%
Joint 15 0.8% 8 53.3% 5 33.3% 1 6.7% 1 6.7%
Not Available 18 0.9% 10 55.6% 4 22.2% 2 11.1% 2 11,1%
Total 1,965 100.0% 821 41.8% 458 23,3% 231 11.8% 455 23.2%
Source: HMDA data, 2008.
Note: Applicants who filed joint applications can be of different racial backgrounds; howeyer, HMDA data does not proYide means of
identifvino the racial backorounds of ioint aoolications.
Among ethnic groups, Hispanic populations accounted for the largest number of loan
applications in 2008 and 2003. They also maintained an approval rate of 45 percent in
2008. The second largest group of applicants is the non-Hispanic White population
which maintained a higher rate of approval and lower rate of denial than the Hispanic
population. The Asian population also had a high number of applications but the
approval rate declined from 68 percent in 2003 to 41 percent in 2008.
In 2008, the highest levels of denial were among Black, Native American and Joint (all
non-Hispanic) as well as Hispanic households. This was also true in 2003. The lowest
approval rates in 2008 were among Black and Native American households (excluding
Not Applicable). The variance of approval rates between racial/ethnic groups was
greater in 2008 compared to 2003.
In both 2003 and 2008 the highest proportion (31 percent and 40 percent) of loan
applications originated from the highest income group (earning over 120 percent of
AMI). In 2003, approval and denial rates correlated with applicant income; as applicant
income increased, approval rates increased and denial rates decreased. However, in
2008 the highest approval and lowest denial rates were among low and moderate
income households. In 2008, during the depth of the housing slump, real estate
transactions were focused at the lower end of the price range. Financing was difficult
to obtain for higher-priced homes, requiring larger loans and higher incomes.
Trends among income groups were similar between the City and County in 2003 and
2008. The higher approval rates and lower denial rates among low and moderate
income groups observed in the City in 2008 were also observed in the County.
Chapter 3: Lending Practices
54
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 35' DISposition of Conventional Home Purchase Loan Applications by Income of
Applicant - 2003
Applicant Total Approved Denied Withdrawn or Loans
Income Closed Purchased
(%MFll # % # % # % # % # %
<50% 286 4.1% 136 47.6% 81 28.3% 42 14.7% 27 9.4%
50% to < 80% 1,280 18.4% 739 57.7% 251 19.6% 124 9.7% 166 13.0%
80% to < 100% 1,273 18.3% 775 60.9% 238 18.7% 100 7.9% 160 12,6%
100% to < 120% 985 14.1% 595 60.4% 178 18.1% 94 9.5% 118 12.0%
> = 120% 2,169 31.1% 1.370 63,2% 367 16.9% 194 8.9% 238 11.0%
Not Available 971 13.9% 153 15.8% 42 4.3% 55 5.7% 721 74.3%
Total 6,964 100,0% 3,768 54.1% 1,157 16.6% 609 8.7% 1,430 20.5%
Source: HMDA data, 2003.
Note: AMI = Area Median Income.
Table 36' DlspDsltlon of Conventional Home Purchase Loan Applications by Income of
Applicant. 2008
Applicant Total Approved Denied Withdrawn or Loans
Income Closed Purchased
(%MFI) # % # % # % # % # %
<50% 83 4.2% 30 36,1% 36 43.4% 11 13.3% 6 7.2%
50% to < 80% 312 15.9% 149 47.8% 71 22.8% 44 14.1% 48 15.4%
80% to < 100% 298 15,2% 146 49.0% 72 24.2% 33 11.1% 47 15.8%
100% to < 120% 280 14.2% 121 43.2% 74 26.4% 36 12.9% 49 17.5%
> = 120% 797 40.6% 362 45.4% 200 25.1% 103 12,9% 132 16.6%
Not Available 195 9.9% 13 6.7% 5 2,6% 4 2.1% 173 88.7%
Total 1,965 100.0% 821 41.8% 458 23.3% 231 11.8% 455 23.2%
Source: HMDA data, 2008.
Note: AMI = Area Median Income
The HMDA data reveals that racial composition of conventional home loan applicants is
somewhat different than the racial composition of City residents (Table 37). The major
discrepancies are among Asian and Black residents. The proportion of Asian applicants
was double the proportion of Asian residents while the proportion of Black applicants
was only a quarter of the proportion of Black residents.
Chapter 3: Lending Practices
55
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 37. Percent of Convenlional Home Purchase Loans by Race vs. City Population by Race
Race/Ethnicity % ofTotal % ofTotal
Aoolications Pooulation
Hisoanic 38.3% 47.5%
Not Available 22.7% --
Joint Hisoanic and Non-Hisoanic 1.9% --
Non-Hisoanic Pooulations
Native American 0.3% 0.3%
Asian 8.0% 4.1%
Slack 4.1% 16.0%
Pacific Islander 0.2% 0.3%
White 23.7% 28.9%
Joint 0.8% --
Total 100.0%
Notes: '--' indicates that there is no comparable Census category.
The'% of Total Population' category will not total 100% because the
Census and HMDA race categories are not identical.
The Census includes an 'Other" and "Two or More Races' category.
Sources:
1. Bureau of the Census, 2000
2. HMDA data, 2008
Compared to data from 2003, the racial composItion of conventional loan applicants
has not shifted significantly. The two most prominent racial groups in the City,
Hispanic and White, also represent the two most prominent applicant groups. In 2003
and 2008, Hispanics accounted for 38 percent of all applications and White residents
comprised 21 percent of applicants in 2003 and 24 percent in 2008.
Analysis of lending patterns for different races/ethnicities of the same income levels
can help reveal patterns not discernable when analyzing lending data by race or income
separately. While this analysis provides a more in-depth look at lending patterns, it still
cannot provide a reason for any discrepancy. Aside from income, many other factors
can contribute to the availability of financing, including credit history, the availability
and amount of a down payment, and knowledge of the home buying process, among
others. The HMDA data does not provide insight into these and many other factors.
However, the City should continue to monitor the approval rates among racial/ethnic
and income groups and continue to take appropriate actions to remove barriers to
financing, including credit counseling, down payment assistance and home buyer
education programs.
The disposition of conventional home purchase loan applications by race and income is
displayed in Table 38 and Table 39. In 2003, a higher proportion of Asian applicants
(from nearly all income categories) were approved when compared to other applicants
and low income Hispanic applicants were approved at a higher rate than White and
Black applicants. Even among the above moderate income group (those making more
than 120 percent of MFI), approval rates varied by race with 73 percent of Asian, 65
percent of White, 62 percent of Hispanic, and 59 percent of Black applicants.
Chapter 3: Lending Practices
56
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
This loan approval pattern was not observed with analysis of countywide applicants. In
2003, approval rates for San Bernardino County residents were generally comparable
for all racial/ethnic groups within the same income category. The City's apparent
disparity in lending patterns by race and income in 2003, especially among higher
income households with presumably greater capacity to enter the homeownership
market, is cause for concern.
Table 38' Approval Rates of Conventional Home Purchase Loan Applications by Race and
Income of Applicant - 2003
Applicant Income Asian Black His oanic White
(%MFI) Total % Total % Total % Total %
< 50% 4 80.0% 12 48.0% 80 50,3% 25 50.0%
50% to < 80% 26 66.7% 52 49.5% 436 59.2% 112 52.3%
80% to < 100% 34 60.7% 68 61.3% 391 60.5% 154 61.8%
100%to<120% 36 75.0% 60 60.0% 235 57.9% 161 66,0%
> = 120% 109 72.7% 134 58,0% 358 61.9% 429 65.1%
Not Available 2 16.7% 3 18.8% 60 50.8% 31 45.6%
Total 211 68,1% 329 56.0% 1,560 59,0% 912 61.5%
Source: HMDA data, 2003.
Note: AMI; Area Median Income.
The large proportion of lower income applicants approved for loans in 2003 is another
potential cause for concern. Approximately 50 percent of lower income Black, Hispanic
and White applicants and approximately 70 percent of lower income Asian applicants
were approved for home purchase loans in 2003 during the peak of the market. An
active housing market increases opportunity for predatory lending and it is unclear
whether these lower income households were targeted for aggressive marketing and
actually able to afford the home loans they were approved for. The higher approval
rates for lower income are troubling because it could indicate some of these households
were victims of predatory lending.
In 2008, approval rates declined overall; however, the disparities observed in 2003
remained with Asian and White applicants approved and Black applicants denied at
rates disproportionate to the overall applicant pool. The most striking disparity is
observed among the above moderate income group; only 27 percent of Black applicants
were approved compared to 48 percent of Asian, 47 percent of Hispanic, and 54
percent of White applicants. Since it is assumed that most households in this income
category are financially capable of purchasing homes, the discrepancy in home loan
approval rates is disconcerting.
As in 2003, the disparate lending patterns observed in the City were not observed
among countywide loan applications in 2008. White, Hispanic and Black residents of
the County were approved at higher rates than these residents of the City, with the
greatest discrepancy among Black applicants. The approval rate for above moderate
income Black applicants in the County (46 percent) were substantially higher than City
applicants within this income group (27 percent).
Chapter 3: Lending Practices
57
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 39 Approval Rates of Conventional Home Purchase Loan Applications by Race and
Income of Applicant. 2008
APPli~antl~~ome Asian Black His lanic White
%MFI Total % Total % Total % Total %
<50% 1 33.3% 2 28.6% 20 40.8% 6 46.2%
50% to < 80% 10 43,5% 5 41.7% 78 52.7% 36 60.0%
80% to < 100% 12 63.2% 1 25,0% 79 50,6% 41 58.6%
100% to < 120% 8 61.5% 7 46.7% 47 39.8% 33 44.6%
> = 120% 34 47.9% 10 27.0% 117 47.0% 124 54.1%
Not Available 0 0.0% 0 0.0% 2 5.3% 4 20.1%
Total 65 41.1% 25 31,3% 343 45.3% 244 52.4%
Source: HMDA data, 2008.
Note: MFI: Median Familv Inoome.
2. Home Improvement loans
In 2003, 945 households applied for conventional home improvement loans compared
to only 688 households in 2008.' As is often the case in many communities, the
overall level of home improvement loan approvals was lower than that for home
purchase loans. Similar to conventional home purchase loans, White and Hispanic
residents submitted the largest share of applications in 2003 and 2008. In 2003,
White and joint applicants were approved at higher rates than applicants of other races
and loan applicants filed by Black applicants were denied disproportionately when
compared to others.
Table 40: DISpOSition of Conventional Home Improvement Loan Applications by Race of Applicant
- 2003
Total Approved Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Native American 6 0.6% 2 33.3% 1 16.7% 3 50.0% 0 0.0%
Asian 12 1.3% 5 41.7% 5 41.7% 2 16.7% 0 0.0%
Black 94 9.9% 31 33.0% 49 52.1% 13 13,8% 1 1.1%
HisDanic 273 28,9% 113 41.4% 117 42.9% 40 14.7% 3 1.1%
White 217 23.0% 99 45.6% 87 40.1% 30 13.8% 1 0.5%
Joint 19 2.0% 14 73,7% 3 15.8% 2 10.5% 0 0.0%
Other 19 2,0% 8 42.1% 8 42.1% 3 15.8% 0 0.0%
Not Available 305 32.3% 97 31.8% 121 39.7% 72 23.6% 15 4.9%
Total 945 100.0% 369 39.0% 391 41.4% 165 17.5% 20 2,1%
Source: HMDA data, 2003.
NO~::~licants who filed joint applications can be ot different racial backgrounds; howeyer, HMDA data does not proYide means of
ident inn the racial backnrounds of ioint aoolications.
A much larger proportion of home improvement loan applications were denied in 2008
(59 percent) compared to 2003 (41 percent), yet another sign of the tighter financial
The total number of conventional home improvement loans reported by HMDA differs from the total
number of loans by race also reported by HMDA and presented in Table 41. The reason for the
difference is unknown.
Chapter 3: Lending Practices
58
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
markets in the later part of the decade. The higher overall denial rate in 2008 did not
appear to have affected all applicants. White applicants enjoyed approximately the
same rate of approval and denial in 2008 when compared to 2003. However, the
proportion of Black, Asian, and Hispanic applicants denied in 2008 was substantially
higher than the proportion denied in 2003. These troubling statistics indicate that
recent changes in the home improvement loan financing market have disparately
impacted minority residents of San Bernardino.
Table 41: DISpDsitlon of Conventional Home Improvement Loan Applications by Race of Applicant
- 2008
Total Approved Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # 1 % # % # 1 % # %
Hisoanic 241 50.8% 48 119.9% 154 63.9% 28 I 11.6% 11 4,6%
Non-Hisoanic Grouos
Native American 5 1.1% 1 20.0% 2 40,0% 0 0.0% 2 40.0%
Asian 18 3.8% 2 11.1% 13 72.2% 2 11.1% 1 5.6%
Black 62 13.1% 6 9.7% 50 80.6% 6 9.7% 0 0.0%
Pac Islander 2 0.4% 0 0.0% 2 100.0% 0 0.0% 0 0.0%
White 136 28.7% 48 35.3% 56 41,2% 23 16.9% 9 6.6%
2 or More Minority 1 0.2% 0 0.0% 0 0.0% 1 100.0% 0 0.0%
Joint 4 0,8% 0 0.0% 0 0,0% 1 100,0% 0 0.0%
Not Available 5 1.1% 1 20.0% 1 20.0% 2 40,0% 1 20.0%
Total 474 100.0% 106 22.4% 281 59.3% 63 13.3% 24 5.1%
Source: HMDA data, 2008.
Note: Applicants wtlo filed joint applications can be of different racial backgrounds; howeyer, HMDA data does not provide means of
identifvi~a the racial backarounds of ioint aoolications.
c. Government-Backed Home Loans
Government-backed financing represents a potential alternative source of financing for
those with difficulty qualifying for a loan in the conventional market. With the income
and home price restrictions for government-backed loans, few households in Southern
California have been able to take advantage of such financing resources since the home
prices escalated in recent years. San Bernardino however tends to have home prices
that are within the limits allowed for government-backed financing and therefore has a
higher proportion of government-backed loans than most other Southern California
cities.
1. Home Purchase Loans
City of San Bernardino residents filed nearly as many FHA (government-backed) loan
applications (1,428) as conventional loan applications (1,965) in 2008 (Table 42).
Most jurisdictions only have a handful of FHA loan applications due to income and
home price restrictions. However, households in the City of San Bernardino have a
combination of home prices and households that meet the requirements to qualify for
government-backed home financing. In 2003, when the home prices were high, the
Chapter 3: Lending Practices
59
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
number of FHA loan applications (2,096) was significantly fewer than the number of
conventional loan applications (6,964). Approval rates for government-backed loans in
2003 and 2008 were not similar to those of conventional loans. In 2003, a smaller
proportion of FHA loans (44 percent) were approved when compared to conventional
loans (54 percent). This pattern reversed by 2008, when a larger proportion of FHA
loans (47 percent) were approved when compared to conventional loans (42 percent).
Government-backed loans are viewed by investors as less risky compared to
conventional loans and therefore have lower denial rates with a higher proportion of
loans purchased on the secondary market. Smaller disparities in approval rates were
observed among different racial/ethnic groups, ranging from 43 to 56 percent.
Table 42: Compaflson of Government Backed Loans - 2003 and 2008
Loan Type Total Approved Denied Withdrawn Loan Purchased
or Closed
# % % % %
2003
Conventional Home Purchase 6,964 I 54,1% I 16.6% 8.7% 20.5%
FHA Home Purchase 2,096 I 43.7% I 7.2% I 6,9% 42.2%
2008
Conventional Home Purchase I 1,965 41.8% 23.3% I 11.8% I 23.2%
FHA Home Purchase 11,428 46.6% 11.3% I 8.1% I 34.1%
Source: HMDA data, 2003 and 2008
2. Home Improvement loans
Few San Bernardino residents applied for government-backed home improvement loans
in 2003 and 2008. In 2003, none of the four applications were approved compared to
approval of only seven of the 14 applications in 2008. In general, households qualified
for government-backed financing are lower income households. Few would be able to
meet to loan-to-income ratio to carry additional financing for home improvements.
D. Major Lenders Serving San Bernardino
In 2008, the top ten mortgage lenders active in the City of San Bernardino received 52
percent of the conventional home mortgage loan applications. Among these lenders,
Countrywide, Chase, and HFC received the most home purchase loan applications.
These three top lenders received approximately 26 percent of all conventional home
purchase loan applications, with Countrywide receiving nearly 13 percent.
1. Approval Rates by lender
An analysis of disposition of conventional home purchase loan applications by lending
institution contained in Table 43 indicates that approval rates among the top lenders in
San Bernardino varied significantly. In 2003, two of the top lenders had approval rates
of more than 80 percent and the overall approval rate exceeded 50 percent. In 2008,
only one bank had an approval rate over 50 percent and the overall approval rate was
Chapter 3: Lending Practices
60
,..".._"...,~_.",.~_.".,.' .^--.r'~_____...._--,..'______
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
less than 35 percent. In addition, approval rates for some lenders were much lower
than the average for all lenders. For example, HFC Company and Citimortgage had
approval rates of less than eight percent. Only 11 percent of applications to HFC
Company were withdrawn or closed; the bank denied 87 percent of applications. The
decreased approval rates are likely due to the changing housing market. Credit has
become more difficult to secure so approval rates have decreased. Furthermore, banks
have responded to the changing credit markets in different ways, likely contributing to
the disparate approval and denial rates among institutions.
Table 43 DISposition of Conventional Home Mort!ja!je Loan Applications by Lendln!j
Institutions - 2003
Total' Approved Denied Withdrawn
or Closed
Lender Market
# Share # % # % # %
Countrywide Home 2,330 8.2% 869 37.3% 74 3.2% 211 9.1%
Loans
Washington Mutual 1,408 5.0% 625 44.4% 204 14.5% 59 4.2%
Bank, FA
Bank of America, N.A. 988 3.5% 608 61.5% 252 25.5% 44 4.5%
Wells Fargo Home 953 3.4% 792 83.1% 94 9.9% 26 2.7%
Mortaaae
GMAC Morlgage 809 2,8% 344 42,5% 167 20,6% 185 22.9%
Corporation
Ameriquest Mortgage 781 2.7% 86 11.0% 360 46,1% 335 42.9%
ComDanv
Chase Manhattan 694 2.4% 297 42,8% 69 9.9% 41 5.9%
Morlaaqe Cora
Citimorlaae, Inc 650 2.3% 77 11,9% 15 2.3% 41 6.3%
First Franklin 641 2.3% 519 81.0% 110 17.2% 12 1.9%
Financial CorD
New Century 634 2.2% 453 71.5% 50 7.9% 74 11.7%
Mortaaae COrD
Market share ofT op 9,888 34.7% 4,670 47.2% 1,395 14.1% 1,028 10.4%
Ten Lenders
Total All Lenders 28,467 100.0% 14,305 50.3% 4,922 17.3% 3,775 13.3%
(Entire Markell
Source: HMDA data, 2003.
Note 1: Total Applications includes the following types of loans, which are not represented in the table or in the other tables of HMDA
data: Purchased, Preapproval Denied, Preapproyal Approved, n~t{~:Pted, and missinglinyalid data. Therefore, the total number of
applications for each lender is areater than sum of three columns royed, Denied, and Withdrawn).
Chapter 3: Lending Practices
61
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 44' DISposition of Conventional Home Mort!ja!je Loan Applications by Lendm!j
Institutions. 2008
Total Applications 1 Approved Denied Withdrawn
or Closed
Lender Market
# Share # % # % # %
Countrywide Home 1,056 12.6% 327 31.0% 229 21.7% 116 11,0%
Loans
JPMorgan Chase Bank, 635 7.6% 91 14.3% 80 12.6% 14 2.2%
N.A.
HFC Comoanv LLC 528 6.3% 13 2.5% 459 86.9% 56 10,6%
Bank of America, N.A. 470 5.6% 216 46.0% 162 34.5% 49 10.4%
Citimorlqaqe, Inc 373 4.4% 29 7.8% 36 9.7% 48 12.9%
Wells F arqo Bank, N.A. 355 4.2% 174 49,0% 102 28.7% 77 21.7%
GMAC Mortqaqe LLC 260 3.1% 30 11.5% 66 25.4% 84 32.3%
Wachovia Mortgage 240 2.9% 52 21.6% 93 38,8% 28 11.7%
FSB
Mountain West 236 2,8% 181 76.7% 24 10.2% 31 13.1%
Financial, Inc
Citicorp Trust Bank, 194 2.3% 74 38.1% 120 61.9% 0 0.0%
FSB
Market Share of Top 4,347 51.7% 1,187 27,3% 1,371 31.5% 503 11.6%
Ten Lenders
Total All Lenders 8,407 100,0% 2,984 34.5% 2,657 31,6% 1,005 12,0%
{Entire Marken
Source: HMDA data, 2008.
Note 1: Total Applications includes the following types of loans, which are not represented in the table or in the other tables of HMDA
data: Purchased, Preapprovar Denied, Preapproyal Approyed, not Accepted, and missinglinyalid data. Therefore, the total number of
aoolications for each lender is oreater than sum of three columns IAooroved, Denied, and Withdrawnl.
2. CRA Rating
Depending on the type of institution and total assets, a lender may be examined by
different supervising agencies for its CRA performance. A search of the databases for
the Federal Reserve Board (FRB), Federal Financial Institutions Examination Council
(FFIEC), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the
Currency (OCC) and the Office of Thrift Supervision (OTS) revealed ratings for the top
ten lenders (Table 45).
Among the top ten lenders in San Bernardino, seven received an "outstanding" rating.
Mountain West Financial, Inc. was considered "satisfactory" while Countrywide was
rated "needs to improve" and HFC Company was not rated. Since its rating in 1992,
Countrywide has been acquired by Bank of America which had an "outstanding" rating
as of 2001.
Chapter 3: Lending Practices
62
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 45: Lender Rattn!js
Ratin Ratin Institution Year
Needs to 1m rove FDIC 1992
Outstandin OCC 2007
N/A N/A 2009
Outstandin OCC 2001
Outstandin OTS 2004
Oulslandi OCC 1998
Outstandin FDIC 2005
Outstandin OTS 2005
Satisfacto OCC 2008
Outstandin OTS 2007
Search, htt Ilwww.ffiec. ov/craratin s/default.as x , Accessed Februar 5.2009.
E. lending by Census Tract and Tract Characteristics
To identify potential geographic differences in mortgage lending activities, an analysis
of the HIMDA data was conducted by Census tract for 2003 and 2008. HMDA also
provides the percent minority population within each census tract.
Based on the Census, HMDA defines the following income levels:
. Low Income Tract - Tract Median Income< = 50 percent County MFI
. Moderate Income Tract - Tract Median Income between 51 and 80 percent
County MFI
. Middle Income Tract - Tract Median Income between 81 and 120 percent
County MFI
. Upper Income Tract - Tract Median Income> 120 percent County MFI
In 2008, over 27 percent of the Census tracts in San Bernardino (eight tracts) were
categorized as Low Income by HMDA. A plurality of the loan applications, however,
was for homes in middle income tracts, which account for six of the 29 tracts in the
City. Table 46 below summarizes the home loan approval and denial rates of the City's
census tracts by income level for 2003 and 2008. A detailed listing of approval and
denial rates for each individual census tract in the City of San Bernardino can be found
in the Appendix. In 2003 and 2008, home loan approval rates generally increased as
the income level of the census tract increased.
Chapter 3: Lending Practices
63
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 46: Approval and Denial Rates by Income Level
Tract Description Number of Tracts' Total Aoolications % AOI roved % Denied
2003 2008 2003 2008 2003 2008 2003 2008
Low Income 8 8 4,018 1,204 48.2% 29.0% 20,0% 39.5%
Moderate Income 11 12 8,557 2,803 48.2% 32.9% 20.5% 34.1%
Middle Income 7 6 12,029 3,197 51.5% 37.3% 15,8% 28.6%
Uooer Income 3 3 3,798 1,203 54.1% 43.4% 12.2% 26.1%
Not Aoplicable 1 0 5 -- 60.0% -- 40.0% --
Total 30 29 28,467 8,407 50.3% 35,5% 17.3% 31.6%
Source: HMDA data, 2003 and 2008.
Note 1: HMDA does not proYide data based on jurisdictional boundaries. The tract analysis presented in this table includes tracts that
geflerally approximately the City boundaries. One census tract at the border of the city with the majority of its population out the City was
droooed off from the 2008 analvsis.
Much of the City is made up of census tracts where residents are 50 percent to 80
percent minorities (14 of 29 tracts). Table 47 below summarizes the home loan
approval and denial rates of the City's census tracts by percent of minority population.
A detailed listing of approval and denial rates of each individual census tract in the City
of San Bernardino can be found in the Appendix. In general, the tracts with a larger
percentage of minority population had lower approval rates than tracts with majority
White population in 2003 and 2008. Although subtler in 2003, the disparity by census
tract was starker in 2008. In 2003, approval rates ranged from 47 percent in tracts
with more 80 percent minority population to 54 percent in majority White tracts. By
2008, the approval rate for the more 80 percent minority tracts was 29 percent
compared to 42 percent for majority White tracts.
Table 47: Approval and Denial Rates by Race/Ethnlclty
Tract Description Number of Tracts' Total AiX lications % AOI roved % Denied
2003 2008 2003 2008 2003 2008 2003 2008
<10% Minoritv 0 0 -- -- -- -- -- --
10 - 20% Minority 0 0 -- -- -- -- -- -
20 - 50% Minority 4 4 5,679 1,732 54.1% 42.1% 12.4% 26.8%
50 - 80% Minority 15 14 16,231 4,602 50.3% 35.7% 17.4% 29.9%
>80% Minoritv 11 11 6,497 2,073 47.2% 29.4% 21.5% 39.4%
Total 30 29 28,467 8,407 50.3% 35.5% 17,3% 31,6%
Source: HMDA data, 2003 and 2008.
Note 1: HMDA does not proYide data based on jurisdictional boundaries. The tract analysis preseflted in this table includes tracts that
generally approximately the City boundaries. One census tract at the border of the CITY with the majority of its population out the City was
droooed' off from the 2008 analvsis.
F. Sub-Prime Lending
According to the Federal Reserve, "prime" mortgages are offered to persons with
excellent credit and employment history and income !:dequate to support the loan
amount. "Sub-prime" loans are loans to borrowers who have less-than-perfect credit
history, poor employment history, or other factors such as limited income. By
providing loans to those who do not meet the critical standards for borrowers in the
prime market, sub-prime lending can and does serve a critical role in increasing levels of
homeownership. Households that are interested in buying a home but have blemishes
Chapter 3: Lending Practices
64
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
in their credit record, insufficient credit history, or non-traditional credit sources, may
be otherwise unable to purchase a home. The sub-prime loan market offers these
borrowers opportunities to obtain loans that they would be unable to realize in the
prime loan market.
Sub-prime lenders generally offer interest rates that are higher than those in the prime
market and often lack the regulatory oversight required for prime lenders because they
are not owned by regulated financial institutions. In the recent past, however, many
large and well-known banks became involved in the sub-prime market either through
acquisitions of other firms or by initiating sub-prime loans that directly. Though the
subprime market usually follows the same guiding principles as the prime market, a
number of specific risk factors are associated with this market. According to a joint
HUD/Department of the Treasury report, subprime lending generally has the following
characteristics:6
. Higher risk: Lenders experience higher loan defaults and losses by subprime
borrowers than by prime borrowers.
. Lower loan amounts: On average, loans in the subprime mortgage market are
smaller than loans in the prime market.
. Higher costs to originate: Subprime loans may be more costly to originate than
prime loans since they often require additional review of credit history, a higher
rate of rejected or withdrawn applications and fixed costs such as appraisals,
that represent a higher percentage of a smaller loan.
. Faster Prepayments: Subprime mortgages tend to be prepaid at a much faster
rate than prime mortgages.
. Higher Fees: Subprime loans tend to have significantly higher fees due to the
factors listed above.
While sub-prime lending cannot in and of itself be described as "predatory," studies
have shown a high incidence of predatory lending in the sub-prime market'. Unlike in
the prime lending market, overly high approval rates in the sub-prime market is a
potential cause for concern when the target clients are considered high risk. High
approval rates may indicate aggressive lending practices. Wells Fargo and Citicorp,
two of the top ten lenders in the City were identified as sub-prime lenders by HUD in
2006. Together, they accounted for nearly nine percent of the market share of
conventional loan applications and account for 57 percent of the approved loans in San
Bernardino in 2008. Individually, Wells Fargo had a 49 percent approval rate and
Citicorp had an eight percent approval rate. Large banks are not immune to the
subprime market, but are often not identified as subprime lenders exclusively. The
6
U.S. Department of Housing and Urban Development. Unequal Burden In Los Angeles: Income and
Racial Disparities in Subprime Lending. April 2000.
Stolen Weatlh, Inequities in California's SUbprime Mortgage Market. California Reinvestment
Committee. November 2001.
Chapter 3: Lending Practices
65
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
HMDA data does not provide information on which loans were sub-prime. As such,
more detailed analysis on this topic is difficult.
Beginning in 2006, increases in interest rates resulted in an increasing number of
foreclosures for households with sub-prime loans when a significant number of sub-
prime loans with variable rates began to convert to fixed-rate loans at much higher
interest rates.
G. Purchased Loans
Secondary marketing is the term used for pricing, buying, selling, securitizing and
trading residential mortgages. The secondary market is an informal process of different
financial institutions buying and selling home mortgages. The secondary market exists
to provide a venue for lending institutions to raise the capital required to make
additional loans.
1. History
In the 1960s, as interest rates became unstable, housing starts declined and the nation
faced capital shortages as many regions, including California, had more demand for
mortgage credit than the lenders could fund. The need for new sources of capital
promoted Congress to reorganize the Federal National Mortgage Association (FNMA)
into two entities: a private corporation (today's FNMA) and a government agency, the
Government National Mortgage Association (GNMA). In 1970, Congress charted the
Federal Home Loan Mortgage Corporation (FHLMC) to purchase conventional loans.
Both FHLMC and FNMA have the same goals: to increase the liquidity of the mortgage
market and make homeownership more widely available to the average citizen. The
two organizations work to standardize the documentation, underwriting and financing
of home loans nationwide. They purchased loans from originators, hold them and issue
their own debt to replenish the cash. They are, essentially, very large, massive savings
and loan organizations. These two organizations set the standards for the purchase of
home loans by private lenders in the U.S.
2. Fair Housing Concerns
During the peak of the housing market (2000-2006), the practice of selling mortgage
loans by the originators (lenders that initially provided the loans to the borrowers) to
other lenders and investors was prevalent. Predatory lending was rampant, with
lenders utilizing liberal underwriting criteria or falsified documents to push loan sales to
people who could not afford the loans. The originating lenders were able to minimize
their financial risk by immediately selling the loans to other lenders or to investors in
the global market.
Table 48 shows the various loan types purchased in San Bernardino, as well as the
race/ethnicity of applicants. According to HMDA data, a total of 1,144 loans were
purchased in 2008. Because residents applied for fewer government-backed (FHA)
Chapter 3: Lending Practices
66
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
loans, fewer government backed loans were purchased. However, a higher proportion
of government-backed loans were purchased when compared to conventional loans.
Among conventional loans, the highest portion of loans purchased were issued to Asian
and White applicants, while among the highest proportion of government-backed loans
purchased on the secondary market were originally issued to Hispanic applicants.
Table 48: Percent of Loans Purchased by Type of Loan and Race of Applicant - 2008
Type of Loan Loans Percent of Loans Purchased'
Purchased Asian Black Hisoanic White
Conventional Purchase 455 25.3% 13.8% 12.2% 14.6%
Conventionallmorovement 24 5.6% 0.0% 4.6% 6.6%
Conventional Refinance 246 19.1% 5.6% 8,5% 8.8%
FHA Purchase 368 25.7% 25.8% 32.7% 30.2%
FHA Imorovement 4 0.0% 0.0% 42.9% 50.0%
FHA Refinance 47 0.0% 11.1% 13.6% 19.1%
. -Percentages may not equal 100 percent since total loans purchased also includes otherrace categories not displayed in table.
Source: Home Mortoaoe Disclosure Act (HMDA) Data, 2008.
H. Predatory Lending
With an active housing market, potential predatory lending practices by financial
institutions may arise. Predatory lending involves abusive loan practices usually
targeting minority homeowners or those with less-than-perfect credit histories. The
predatory practices typically include higher fees, hidden costs, and unnecessary
insurance and larger repayments due in later years. One of the most common
predatory lending practices is placing borrowers into higher interest rate loans than
called for by their credit status. Although the borrowers may be eligible for a loan in
the "prime" market, they are directed into more expensive and higher fee loans in the
"sub-prime" market. In the other cases, fraudulent appraisal data is used to mislead
homebuyers into purchasing over-valued homes, or misrepresented financial data is
used to encourage homebuyers into assuming a larger loan than can be afforded. Both
cases almost inevitably result in foreclosure.
In recent years, predatory lending has also penetrated the home improvement financing
market. Seniors and minority homeowners are the usual targets. In general, home
improvement financing is more difficult to obtain than home purchase financing. Many
homeowners have a debt-to-income ratio that is too high to qualify for home
improvement loans in the prime market and become targets of predatory lending in the
sub-prime market. Seniors are often swindled into installing unnecessary devices or
making unnecessary improvements that are bundled with unreasonable financing terms.
Predatory lending is a growing fair housing issue. Predatory lenders who discriminate
get some scrutiny under the Fair Housing Act of 1968, which requires equal treatment
in terms and conditions of housing opportunities and credit regardless of race, religion,
color, national origin, family status, or disability. This applies to loan originators as well
as the secondary market. The Equal Credit Opportunity Act of 1972 requires equal
treatment in loan terms and availability of credit for all of the above categories, as well
Chapter 3: Lending Practices
67
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
as age, sex and marital status. Lenders that engage in predatory lending would violate
these Acts if they: target minority or elderly households to buy higher prices and
unequal loan products; treat loans for protected classes differently than those of
comparably credit-worthy White applicants; or have policies or practices that have a
disproportionate effect on the protected classes.
Data available to investigate the presence of predatory lending are extremely limited.
At present, HMDA data are the most comprehensive data available for evaluating
lending practices. However, as discussed before, HMDA data lack the financial details
of the loan terms to conclude that any kind of predatory lending has actually occurred.
Efforts at the national level are pushing for increased reporting requirements in order to
identify and curb predatory lending.
The State of California has enacted additional measures designed to stem the tide of
predatory lending practices. A law (Senate Bill 537) signed by Governor Gray Davis
provided a new funding mechanism for local district attorneys' offices to establish
special units to investigate and prosecute real estate fraud cases. The law enabled
county governments to establish real estate fraud protection units. Furthermore,
Governor Davis signed AB 489 in October 2001, a predatory lending reform bill. The
law prevents a lender from basing the loan strictly on the borrower's home equity as
opposed to the ability to repay the loan. The law also outlaws some balloon payments
and prevents refinancing unless it results in an identifiable benefit to the borrower.
Predatory lending and unsound investment practices, central to the current home
foreclosure crisis, are resulting in a credit crunch that has spread well beyond the
housing market, now impacting the cost of credit for local government borrowing and
local property tax revenues. In response, the U.S. House passed legislation, HR3915,
which would prohibit certain predatory lending practices and make it easier for
consumers to renegotiate predatory mortgage loans. The Senate introduced similar
legislation in late 2007 (S2454). The Mortgage Reform and Anti-Predatory Lending Act
(HR1728) was passed in the House in May 2009 and amend the Truth in Lending Act
to specify duty of care standards for originators of residential mortgages. The law also
prescribed minimum standards for residential mortgage loans, directs the Secretary of
Housing and Urban Development (HUD) to establish a grants program to provide legal
assistance to low and moderate income homeowners and tenants and prohibits
specified practices, including:
. Certain prepayment penalties;
. Single premium credit insurance;
. Mandatory arbitration (except reverse mortgages);
. Mortgage loan provisions that waive a statutory cause of action by the
consumer; and
. Mortgages with negative amortization.
In addition to anti-predatory lending laws, the Mortgage Forgiveness Debt Relief Act
was enacted in 2007 and allows for the exclusion of income realized as a result of
modification of the terms of a mortgage or foreclosure on a taxpayer's principal
residence.
Chapter 3: Lending Practices
68
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
I. Refinancing
Aggressive lending practices have resulted in many "innovative" loan terms that allow
many households to purchase a home during the peak of the housing market. Loans
with zero down payments, negative amortization", short-term low fixed and variable
rates, among other financing techniques have misled many regarding the affordability of
home ownership. Many home buyers were under the false assumption that their
homes would continue to increase in value and refinancing to more favorable loan
terms would always be available as an option. However, when the inflated market
imploded in 2007, many households began to face increased monthly payments on
homes with decreased values. The credit market collapsed and refinancing to lower
interest rates became increasingly stringent. As shown in Table 49 and Table 50, the
number of refinance applications dramatically decreased from 2003 to 2008. This
decline mirrors the decline in marketing efforts geared toward home refinance loans.
The decline in marketing efforts occurred as credit markets began to tighten, restricting
the ability of lenders to refinance homes.
Table 49: DIsposition of Conventional Mort!ja!je Refmancin!j Applications - 2003
Total Approved Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # I % # % # % # I %
Hispanic 4,359 27.5% 2,427 I 55.7% 896 20.6% 616 14.1% 420 I 9.6%
Not-Hisoanic Grouos
Native American 73 0.5% 39 53.4% 18 24,7% 9 12.3% 7 9.6%
Asian 483 3.0% 270 55.9% 103 21,3% 68 14.1% 42 8.7%
Black 1,048 6,6% 512 48.9% 271 25,9% 173 16.5% 92 8.8%
White 4,430 28.0% 2,576 58.1% 654 14.8% 646 14.6% 554 12.5%
Joint 442 2.8% 274 62.0% 64 14.5% 61 13.8% 43 9.7%
Other 492 3.1% 174 35.4% 192 39.0% 106 21.5% 20 4.1%
Not Available 4,516 28.5% 1,675 37.1% 841 18.6% 838 18,6% 1,162 25,7%
Total 15,843 100.0% 7,947 50.2% 3,039 19.2% 2,517 15.9% 2,340 14.8%
Source: HMDA data, 2003.
Note: Applicants who filed joint applications can be of different racial backgrounds; howeyer, HMDA data does not proYide means of
identitvino the racial backarounds of ioint aoolications.
In 2003, 15,843 San Bernardino households applied for conventional refinance loans
(Table 49). Approximately one half (50 percent) were approved and 19 percent were
denied. Of all racial and ethnic groups, the category "joint" had the highest approval
rate for refinance loans (62 percent) while Whites had the second highest (58 percent).
As shown in Table 50, 2,891 households in San Bernardino applied for refinance loans
in 2008. Overall, mortgage refinancing had low approval rates, with just 34 percent of
all refinance loans approved in the City. Asians had the lowest percentage of loan
applications (26 percent) approved, while Whites had the highest approval rate (39
8
In negative amortization, a borrower pays monthly mortgage payments that are lower than the required
interest payments and include no principle payments. The shortage in monthly payments is added to
the principle loan. Therefore, the longer the borrower holds that loan, the more they owe the lender
despite making monthly payments.
Chapter 3: Lending Practices
69
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
percent). This raises the concerns that minority groups are not, comparatively, having
equal access to refinancing.
Table 50: DISposition of Conventional Morl!ja!je Refrnancrn!j Applications - 2008
Total Approved Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# I % # I % # I % # I % # I %
Hisoanic 1,466 I 50.7% 484 I 33.0% 658 1 44.9% 200 113.6% 124 1 8,5%
Not-Hisoanic Grou s
Native American 11 0.4% 4 36.4% 6 54.5% 1 9.1% 0 0.0%
Asian 89 3.1% 23 25.8% 29 32.6% 20 22.5% 17 19.1%
Biack 285 9.9% 78 27.4% 149 52,3% 42 14.7% 16 5.6%
Pac. Island 18 0.6% 6 33.3% 8 44.4% 4 22.2% 0 0,0%
White 937 32.4% 365 39.0% 371 39.6% 119 12.7% 82 8.8%
2 or More Minoritv 2 0.1% 0 0,0% 1 50.0% 1 50.0% 0 0.0%
Joint 27 0,9% 8 29.6% 15 55.6% 3 11.1% 1 3.7%
Not Available 56 1.9% 17 30.4% 23 41,1% 10 17.9% 6 10.7%
Total 2,891 100.0% 985 34.1% 1,260 43.6% 400 13.8% 246 8.5%
Source: HMDA data, 2008.
Note: Applicants who filed joint applications can be of different racial backgrounds; howeyer, HMDA data does not proYide means of
identifvina the racial backarounds of ioint applications.
In 2008, 423 households applied for government-backed home refinancing loans in San
Bernardino. Approximately 25 percent of these applicants were approved, while 36
percent were denied. In 2003, more than 2,000 households applied for FHA refinance
loans. Of these applications, 48 percent were approved and just seven percent were
denied. The change in home refinance approval/denial patterns is yet another indication
of the restrictive lending market.
J. Foreclosures
Foreclosure occurs when households fall behind on one or more scheduled mortgage
payments. The foreclosure process can be halted if the homeowner is able to bring
their mortgage payments current. If payments cannot be resumed or the debt cannot
be resolved, the lender can legally use the foreclosure process to repossess (take over)
the home. When this happens, the homeowners must move out of the property. If the
home is worth less than the total amount owed on the mortgage loan, a deficiency
judgment could be pursued. If that happens, the homeowner would lose their home
and also would owe the home lender an additional amount.
California has been hit particularly hard by the recent credit CriSIS, resulting in the
foreclosure of many homes. Between 2009 and 2010, of the 8.5 million houses and
condos in the State, 328,310 homes were foreclosed on making up 3.9 percent of
California's housing stock.. In the fourth quarter of 2009, 7,290 homes and condos
received Notices of Default (the first step in the foreclosure process).
http://www.dqnews.com/Articles/20 1 O/News/California/CA-Foreclosures/RRFor 1 00 12 7. aspx
Chapter 3: Lending Practices
70
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 51 presents current foreclosure data for San Bernardino. An estimated seven
percent of the City's housing stock is in some stage of the foreclosure process. The
rate of foreclosures occurring in San Bernardino is slightly higher than in the County
and the State.
Table 51' Foreclosure - February 2010
Stage of Foreclosure Number of Units Percent of Housing Stock
Pre-Foreclosure Sales 1,135 1.7%
Bank-Owned 2,065 3.1%
Auction 1,564 2.3%
Total 4,764 7.1%
Notes:
1 Pre-foreclosures are those properties that are in default in the mortgage payments and
notices of default haye been filed. The owner can still correct the situation by paying off the
defaulted amounts or by selling the property.
2. Bank-owned properties are those properties that go back to the mortgage companies after
unsuccessful auctions.
Source: wwwrealt"'raccom, Accessed Februarv 16, 2010; Department of Finance, 2009.
Chapter 3: Lending Practices
71
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 4
Public Policies
Public policies established at the state, regional and local levels can affect housing
development and therefore, may have an impact on the range of housing choices
available to residents. This chapter discusses the various public policies that may
influence fair housing choice in the City of San Bernardino.
A. Policies and Programs Affecting Housing Development
The San Bernardino General Plan Land Use and Housing Elements, Zoning Code,
Consolidated Plan and other documents have been reviewed to evaluate the following
potential impediments to fair housing choice and affordable housing development:
. Local zoning, building, occupancy and health and safety codes
· Public policies and building approvals that add to the cost of housing
development
. Moratoriums or growth management plans
. Residential development fees
. Administrative policies affecting housing af:tivities or community development
resources for areas of minority concentration, or policies that inhibit employment
of minorities or individuals with disabilities
. Community representation on planning and zoning boards and commissions
1. Land Use Element
Higher-density housing reduces land costs on a per-unit basis and thus facilitates the
development of affordable housing. Restrictive zoning that requires unusually large lots
and building size can substantially increase housing costs and impede housing
production. While housing affordability alone is not a fair housing issue, many lower
and moderate income households are disproportionately concentrated in groups
protected under the fair housing laws, such as persons with disabilities and minorities.
When the availability of affordable housing is limited, indirectly affecting the housing
choices available to groups protected by fair housing laws, fair housing concerns may
arise.
The Land Use Element of the San Bernardino General Plan sets forth the City's policies
for guiding local development. It establishes the distributions and intensity of land
allocated for different uses. The General Plan Land Use Element provides nine
residential land use designations in the community. Development density ranges from
one unit per acre in single-family designations to 36 dwelling units per acre in high
density multi-family designations.
Chapter 4: Public Policies
73
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Residential Densities
Reasonable density standards ensure the opportunity for higher-density residential uses
to be developed within a community, increasing the feasibility of land zoned for multi-
family use, the supply of which is often limited, will be developed as efficiently as
possible for multi-family uses. Table 52 summarizes the nine General Plan residential
land uses designations, the corresponding zoning districts, permitted densities and
primary or typical residential types permitted in each district. Residential development
standards for each zoning district are described later in this section. The City of San
Bernardino provides a range of densities for single-family (0-9 du/ac) and multi-family
(8-36 du/ac) housing development to accommodate a range of housing options.
Table 52: Residential Land Use Desl!jnatlons and ZOnln!j Districts
General Plan Land Zoning Primary Residential Type(s) DulAc
Use Designation District(s)
Residential Estate RE Sinale-familv detached in an estate settina 1
Residential Low RL Sinale-familv detached in low-densitv settina 3.1
Residential Low-3.5 RL Sinale-familv detached in suburban settina 3.5
Residentiai Suburban RS Sinale-familv detached in hiah aualitv suburban settina 4,5
Singie/multi-family attached and detached residences
RU (townhouses, stacked flats, courlyard homes, small lot
Residential Urban subdivisions and mobile home parks) 9
Multi-family dwellings (townhouses, stacked flats, courlyard
RU homes, aparlments, condominiums and small lot single-family
Residential Medium developments) 14
Residential Medium RM
Hioh-20 Multi-familv dwellinas includino aoartments and condominiums 20
Residential Medium RMH
Hiah Multi-family dwellinos includina aoartments and condominiums 24
Residential Hioh RMH Multi-family dwellinos including aoartments and condominiums 36
Residential Student RSH Overlay district designed for student housing complexes within
Housino 500 feet of California State Univers~v San Bernardino 20
Sources:
1. City of San Bernardino, Land Use Element, 2005
2. City of San Bernardino Deyelooment Code, accessed 2009.
The California Housing Element law establishes a threshold density considered to be
appropriate in facilitating the development of housing for households with incomes at
or below 80 percent of the MFI. 10 As the City's General Plan Land Use Element and
Development Code provide for developments of up to 36 units per acre, the City is
deemed in compliance with State Housing Element law with regard to land use policies.
However, the development of affordable housing requires additional incentives such as
density bonuses, flexible development standards, and financial incentives.
10 Under HUD regulations, these are considered low and moderate income households. Under State
definitions, these are considered lower income households.
Chapter 4: Public Policies
74
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
2. Development Code
The Development Code implements the General Plan by establishing zoning districts
that correspond with General Plan land use designations. Development standards and
permitted uses in each zoning district are specified to govern the density, type and
design of different land uses for the protection of public, health, safety and welfare
(Government Code, Sections 65800-65863). Several aspects of the Development
Code that may affect a person's access to housing or limit the range of housing
choices available are described below.
3. Density Bonuses
A density bonus can be an important tool to encourage a diversity of housing types and
prices particularly affordable housing for families and seniors. The California
Government Code Section 65915 requires that cities grant density bonuses of 20 to 35
percent depending on the amount and type of affordable housing provided. The density
bonus regulations allow for exceptions to applicable zoning and other development
standards to further encourage development of affordable housing. Developers may
seek a waiver or modification is necessary to make the housing units economically
feasible.
The State density bonus regulations also include incentives and concessions. A
developer can receive an incentive or concession based on the proportion of affordable
units for target groups. Incentives or concessions may include, but are not limited to, a
reduction in setback and square footage requirements or a reduction in the ratio of
vehicular parking spaces that would otherwise be required, which results in identifiable,
financially sufficient and actual cost reductions.
Specifically, California Government Code Section 65915 provides that a local
government shall grant a density bonus of at least 20 percent (five percent for
condominiums) and an additional incentive, or financially equivalent incentive(s), to a
developer of a housing development agreeing to provide at least:
. Ten percent of the units for lower-income households;
. Five percent of the units for very low income households;
. Ten percent of the condominium units for moderate income households;
. A senior citizen housing development; or
. Qualified donations of land, condominium conversions and child care facilities.
The density bonus law also applies to senior housing projects and projects which
include a child care facility, In addition to the density bonus stated above, the statue
includes a sliding scale that requires:
. An additional 2.5 percent density bonus for each additional increase of one
percent very low income units above the initial five percent threshold;
Chapter 4: Public Policies
75
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. A density increase of 1.5 percent for each additional one percent increase in low
income units above the initial ten percent threshold; and
. A one percent density increase for each one percent increase in moderate
income units above the initial ten percent threshold.
These bonuses reach a maximum density bonus of 35 percent when a project provides
either 11 percent very low income units, 20 percent low income units, or 40 percent
moderate income units. In addition to a density bonus, developers may also be eligible
for one of the following concessions or incentives:
. Reductions in site development standards and modifications of zoning and
architectural design requirements, including reduced setbacks and parking
standards;
. Mixed used zoning that will reduce the cost of the housing, if the non-residential
uses are compatible with the housing development and other development in the
area; and
. Other regulatory incentives or concessions that result in "identifiable, financially
sufficient and actual cost reductions."
Jurisdictions also may not enforce any development standards that would preclude the
construction of a project with the density bonus and the incentives or concessions to
which the developer is entitled. To ensure compliance with the State density bonus
law, jurisdictions must reevaluate their development standards in relation to the
maximum achievable densities for multi-family housing. To encourage the development
and conservation of affordable housing, the City of San Bernardino Housing Element
includes a program to amend the development code to reflect the latest amendments to
State density bonus law by June 2010.
4. Parking Requirements
Communities that require an especially high number of parking spaces per dwelling unit
can negatively impact the feasibility of producing affordable housing by reducing the
achievable number of dwelling units per acre, increasing development costs and this
restricts the range of housing types constructed in a community. When parking
requirements are high, housing development costs tend to increase, restricting the
range of housing types available in a community. Typically, the concern for high
parking requirements relates only to multi-family housing.
Parking requirements for residential districts in San Bernardino vary by the number of
bedrooms in a housing unit, location of the development, type of permitted use and
other criteria associated with the demand for parking generated by the particular
development (Table 53).
Chapter 4: Public Policies
76
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 53: Parkln!j ReqUirements
Residential Use
residence
Studio and 1 bedroom
Two bedrooms
Three or more bedrooms
Senior Citizen Apartments
The City offers incentives to ensure that parking standards do no constrain housing.
Parking reductions of up to 25 percent are provided in the University Business Park
Specific Plan if spaces meet Development Code standards and expansion area is
provided up standard. Parking required within the Paseo Las Placitas Specific Plan
area, may be provided on-site or off-site within an established parking district lot or
structure. A reduction of up to 20 percent is available if parking is provided within an
established off-site parking district. Parking for senior citizen apartments, affordable
housing and congregate care can be adjusted on an individual project basis. Reduced
parking standards are also available for density bonus projects.
Jurisdictions will also sometimes establish minimum standards and requirements for
handicapped parking. Handicapped parking requirements established in the City of San
Bernardino Development Code are identical to those provided by the State of California
(outlined in Title 24 of the Building Code).
5. Definition of Family
A city's zoning ordinance can restrict access to housing for relations failing to qualify
as a "family" by the definition specified in the document. Even if the ordinance
provides a broad definition, deciding what constitutes a "family" should be avoided by
cities to prevent confusion or give the impression of restrictiveness. Particularly, when
the zoning ordinance uses terms such as "single-family homes", defining "family" in
too-detailed terms may restrict access to housing for certain segments of the
population.
Chapter 4: Public Policies
77
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
California courts 11 have ruled that an ordinance that defines a "family" as (a) an
individual, (b) two or more persons related by blood, marriage or adoption, or (c) a
group of not more than a certain number of unrelated persons as a single housekeeping
unit, is invalid. Court rulings stated that defining a family does not serve any legitimate
or useful objective or purpose recognized under the zoning and land planning powers of
a jurisdiction, and therefore violates rights of privacy under the California Constitution.
A zoning ordinance also cannot regulate residency by discrimination between
biologically related and unrelated persons.
The San Bernardino Development Code, the City's zoning ordinance, defines "family"
as "an individual, or two or more persons related by blood, marriage or legal adoption,
or a group of not more than six persons who are not so related living together as a
single housekeeping unit".
San Bernardino's definition of "family" is similar to those deemed invalid by the
California courts. It defines a family relationship through biological and legal ties and
limits the number of people. The City provides definitions for residential care facilities,
rest homes and other types of community care and disability housing. However, the
City will review this definition and amend it as appropriate and necessary to ensure
clarity and remove any potential constraints to housing.
B. Variety of Housing Opportunities
To ensure fair housing choice in a community, a zoning ordinance or development code
should provide for a range of housing types, including single-family, multi-family,
second dwelling units, mobile homes, licensed community care facilities, assisted living
facilities, emergency shelters, transitional housing and single room occupancy (SRO)
units. Table 54 provides a summary of San Bernardino's Development Code as it
relates to ensuring a variety of housing opportunities.
Table 54: Housing Types by Residential Zones
RE, RL, RM, CO-l, CG-3,
Housing Types & RS RU RMH,& RSH CO.2 CG-2 CG-4 CR-2
RH
Sinale-Familv D D D X X X X X
Multi-Familv X D' D X X D X D
Condominium or D D D X --
Townhouse -- -- --
Manufactured Housing D D D X -- -- -- --
Mobile Home Park D D D X -- -. -- --
Second Dwelling Unit D D D X .- -- -- --
Senior Cijizen/Congregate X D D X C C -- C
Care Housina
Community Care Facility (6 p p p X -- -- n --
or less)
Homeless Facilities X X C X -- -- -- --
11
City of Santa Barbara v. Adamason (19801. Citv of Chula Vista v. Pagard (1981 I. among others.
Chapter 4: Public Policies
78
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 54 Housln!j Types by Residential Zones
RE, RL, RM, CO-1, CG-3,
Housing Types &RS RU RMH,& RSH CO-2 CG-2 CG-4 CR-2
RH
Affordable Housina C C C X -- -- -- --
Student Housina -- -- -- C -- -- -- --
Residential Care (7 or more) -- -- -- -- C C -- C
Emeraencv Shelters -- - -- .- X X X C
T ransitionallSupporlive -- -- -- -- -- -- -- --
Housing
Single Room Occupancy -- -- -- -- X C X C
Mixed Use -- -- -- -- C C C C
Note:
1. Multifamily units that legally existed in the RU ,ones prior to June 3, 1991 may remain as a permitted use without a
Development Permit.
'po: Permitted
"D": Deyelopment Permit
"CO : Conditional Use Permit
''1:: Prohibited
'--" : not proyided for
_ :potential impediment.
Source: City of San Bemardino, DeyeloDment Code 2009.
1. Single- and Multiple- Family Uses
Single- and multiple-family housing types include detached and attached single-family
homes, duplexes or half-plexes, town homes, condominiums and rental apartments.
Development codes should specify the zones in which each of these uses would be
permitted by right. San Bernardino does not permit single- or multi-family uses by right
in any residential zone. Single-family development requires a development permit in
any residential zone. Multiple~family housing is not permitted in single-family zones and
also requires a development permit in higher density zones. Use permit requirements
for multiple-family uses within land use designations and zoning districts suitable for
higher density residential land uses may extend the time frame for project review and
increase the uncertainty of project approval and therefore could indirectly impede fair
housing choice. Development codes should also avoid "pyramid or cumulative zoning"
(e.g. permitting lower-density single-family uses in zones intended for higher density
multiple-family uses).
Pyramid or cumulative zoning schemes could limit the amount of lower-cost multiple-
family residential uses in a community and be a potential impediment to fair housing
choice. San Bernardino has a form of pyramid zoning by permitting single-family
residential uses in multiple-family zones and by not establishing a minimum density for
any residential zone. Allowing or requiring a lower density use in a zone that can
accommodate higher density uses is regulated by State law. A local government is
required to make a finding that an action that results in a density reduction, rezoning or
downsizing is consistent with its Housing Element.
Chapter 4: Public Policies
79
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
2. Second Dwelling Units
Second dwelling units or "Granny" housing units are attached or detached dwelling
units that provide complete independent living facilities for one or more persons,
including permanent provisions for living, sleeping, cooking and sanitation. Second
units may be an alternative source of affordable housing for lower-income households
and seniors. These units typically rent for less than apartments of comparable size.
California law requires local jurisdictions to adopt ordinances that establish the
conditions under which second units are permitted. Second units cannot be prohibited
in residential zones unless a local jurisdiction establishes that such action may limit
housing opportunities in the region and finds that second units would adversely affect
the public health, safety and welfare in residential zones.
The State's second unit law was amended in September 2000 to require use of
ministerial, rather than discretionary, process for reviewing and approving second units.
A ministerial process is intended to reduce permit processing time frames and
development costs because proposed second units that are in compliance with local
zoning standards can be approved without a public hearing.
San Bernardino requires a development permit for a second dwelling unit in any
residential zone. A development permit requires a hearing and therefore is not a
ministerial process. Because second dwelling units can be an important source of
suitable and affordable types of housing for seniors and persons with disabilities, overly
restrictive or conflicting provisions for these units can be considered an impediment to
fair housing choice.
3. Mobile Home Parks
Mobile home parks are permitted in all residential development zones with approval of a
development permit.
4. Manufactured Housing
State law requires local government to permit manufactures or mobile homes meeting
federal safety and construction standards on a permanent foundation in all single-family
residential zoning districts (Section 65852.3 of the California Government Code). A
local jurisdiction's zoning ordinance or development code should be compliant with this
law. Currently, the City of San Bernardino requires a development permit for a
manufactured housing unit in all residential zones, similar to the requirement for single-
family homes.
5. Community Care Facilities
Persons with special needs such as the elderly and those with disabilities must also
have access to housing in a community. Community care facilities provide a supportive
Chapter 4: Public Policies
80
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
housing environment to persons with special needs in a group situation. Restrictions
that prevent these types of facilities from locating in a community impede equal access
to housing for the special needs groups.
The Lanterman Development Disabilities Services Act (Section 5115 and 5116 of the
California Welfare and Institutions Code) declares that mentally and physically disabled
persons are entitled to live in normal residential surroundings. The use of property for
the care of six or fewer disabled persons is a residential use for the purpose of zoning.
A State-authorized, certified, or licensed family care home, foster home or group home
serving six or fewer disabled persons or dependent and neglected children on a 24-
hour-day basis is considered a residential use that is permitted in all residential zones.
No local agency can impose stricter zoning or building and safety standards on these
homes.
The City of San Bernardino provides for small community care facilities (serving six or
fewer residents) in all residential zones. Senior citizen, congregate care, and
convalescent facilities, including facilities that serve more than six persons are
permitted in multiple-family zones. As of February 2010, 57 licensed community care
facilities with 780 beds were located in San Bernardino. Table 55 provides a tabulation
of licensed care capacity by jurisdiction and Figure 6 illustrates the geographic
distribution of these facilities. Most facilities provide adult residential care, but most
beds are provided within facilities that provide residential care for the elderly (RCFEs).
Adult residential care and RCFEs are conditionally permitted in San Bernardino as
congregate care or residential care facilities.
Table 55 Community Care FaCilities In San BernardinO
Tvoe of Facilitv Number of Facilities Number of Beds
Adult Residential Care 38 328
Group Home 9 54
Residential Care for the Eiderlv 10 398
Total 57 780
Source: CCLD Facility search, accessed 2.16.10
htt"s ://secu re, dss ,cahwn et. "ov /ccld/secu reneUccld search/celd search, as "X
The San Bernardino Development Code defines many types of community care facilities
based on the type of population they serve. It also defines a community care facility in
general as "consistent with Health and Safety Code (Section 1267.8) the intermediate
care facility shall include provisions for developmentally disabled habilitative - nursing
or congregate living." The Development Code also includes a definition of a residential
care facility as "a family home, group care facility, or similar facility for 24 hour non-
medical care of persons in need of personal services, supervision or assistance essential
for sustaining the activities of daily living or for the protection of the individual".
Together, these definitions provide for community care facilities in the City, which are
permitted by right in all residential zones, except for the Student Housing zone.
The Development Code defines special group residences to include (but not be limited
to): housing for seniors, residential care facilities and boarding houses/lodging houses.
Chapter 4: Public Policies
81
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
These are housing options to meet the census definition of group quarters but not
housing units.
6. Emergency Shelters
Emergency shelters provide short-term shelter (usually for up to six months to stay) for
homeless persons or persons facing other difficulties, such as domestic violence.
Recent revisions to State law require jurisdictions to identify adequate sites for housing
that will be made available through appropriate zoning and development standards to
facilitate and encourage the development of a variety of housing types of all income
levels, including emergency shelters (Section 65583(c)( 1) of the Government Code).
State HCD and subsequent court decisions have interpreted this as a requirement for
local governments to specify which zone(s) permit such facilities and implement permit
process that both facilitate and encourage the development of such housing.
Currently, the City of San Bernardino Development Code allows emergency shelters
with approval of a CUP in the CR-2 zone. The City also conditionally permits homeless
facilities in the RM, RMH and RH zones; however, the Development Code does not
define this land use type and therefore prospective developers may be uncertain about
the requirements for a "homeless facility" compared to an "emergency shelter."
Programs 3.4.4 and 3.4.5 of the Housing Element show that the City will comply with
SB2, which mandates that appropriate sites, zones and development standards are
identified for emergency shelters, as well as transitional housing and permanent
supportive housing. In San Bernardino emergency shelters serving up to 35 persons
nightly will be permitted without discretionary review in a light industrial and
commercial area (an overlay in the IL zone) with access to public transportation. The
City will create a permanent ordinance for this area that defines emergency shelters
and establishes appropriate standards for new and adaptive reuse for emergency
shelters.
7. Transitional and Supportive Housing
Transitional housing provides longer-term housing (up to two years), coupled with
supportive services such as job training and counseling, to individuals and families who
are transitioning to permanent housing. Transitional and supportive housing facilities
are not provided for in the San Bernardino Development Code. The City conditionally
permits homeless facilities in the RM, RMH and RH zones but does not define what a
homeless facility is.
Transitional and supportive housing can be accommodated in many forms, including
group homes, institutional housing or regular housing, To comply with State law, the
City will amend the Development Code to differentiate transitional or supportive
housing based on unit type. For example, it will differentiate between transitional and
supportive housing that operates as group residence versus transitional or supportive
housing that is regular rental apartments. For transitional and supportive housing
operating as regular rental housing, meeting the statutory definitions of the Health and
Safety Codes, such housing will be permitted by right in the City where multi-family
Chapter 4: Public Policies
82
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
housing is permitted. For transitional and supportive housing operating as group
housing facilities, meeting the statutory definition of residential care facilities under the
Lanterman Developmental Disability Services Act, such facilities will be permitted
according to the City's Development Code provisions for residential care facilities.
8. Single-Room Occupancy Units
Single-room occupancy (SRO) units are one of the most traditional forms of affordable
private housing for lower income individuals, including seniors and persons with
disabilities. An SRO unit is usually small, between 80 and 250 square feet. These
units provide a valuable source of affordable housing and can serve as an entry point
into the housing market for formerly homeless people.
Currently the San Bernardino Development Code defines single-room occupancy units
as a cluster of seven or more units within a newly constructed residential hotel of
weekly or longer tenancy providing sleeping or living facilities for one or two persons
per unit, in which sanitary facilities may be provided within the units and cooking
facilities may be shared within the hotel. SRO units are conditionally permitted in the
CG-2 and CR-2 zones.
9. Mixed Use
Mixed use projects combine both non-residential and residential uses on the same site,
thus providing an opportunity to diversify housing types and locate residential uses in
proximity to non-residential activity centers. Mixed use development can help increase
access to public facilities for the elderly and persons with disabilities by creating
opportunities to reduce vehicular reliance by making walking, bicycling or taking public
transportation more feasible. Mixed residential and commercial land uses are
conditionally permitted in the CR-2, CG-2, CG-3, and CG-4 zones. Residential and
office uses allowed with a CUP in CO-l and CO-2 zones.
10. Senior Citizen Housing
The City conditionally permits senior citizen housing in the CO-l, CO-2, CG-2, and CR-
2 zones, whereas regular multi-family housing is permitted by right in the CG-2 and CR-
2 zones. Conversely, the City conditionally permits senior housing in the CO-l and CO-
2 zones where regular multi-family housing is not permitted, By differentiating senior
versus family housing in the location and permitting process has been identified by both
HUD and the State Department of Housing and Community Development as a potential
impediment to fair housing choice.
Chapter 4: Public Policies
83
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
C. Building, Occupancy, Health and Safety Codes
1. Building Codes
San Bernardino has adopted building and safety codes in order to preserve public
health, safety and welfare. To implement these codes, the City has various code
enforcement programs designed to address building and neighborhood conditions.
These building codes and their enforcement have the potential to significantly increase
the cost of development, maintenance and improvement of housing.
. Building Codes - San Bernardino has adopted and enforces the California
Building Code (CBC) that established standards pertaining to the construction of
housing and inspection at various stages of construction to ensure code
compliance.
. Accessibility Codes - The Federal Fair Housing Act of 1998 and the American
Disabilities Act (ADA) are federal laws that are intended to assist in the
provision of sage and accessible housing. These regulations were codified in
Title 24, Part 2, known as the California Building Code and apply to newly
constructed multi-family dwelling units in building with three or more units or in
condominium projects with four or more units. The City of San Bernardino has
adopted and enforces compliance with these standards to comply with federal
law.
· City Code Enforcement - The City's Code Enforcement Department enforces
State and local regulations governing the maintenance of residential buildings.
The Department responds to code violation complaints filed by residents and
administers programs to facilitate property maintenance.
Building codes and their enforcement increase the cost of housing investment and can
impact the viability of rehabilitating older properties required to be upgraded to current
code standards. To the extent this makes the cost of housing production or
rehabilitation economically infeasible, it could serve as a constraint. However, these
regulations are similar to cities in the region, provide minimum standards for safe and
accessible housing and thus are not considered to be an undue constraint upon housing
investment.
2. Occupancy Standards
Disputes over occupancy standards are typical tenant/landlord and fair housing issues.
Families with children and large households often face discrimination in the housing
market, particularly in the rental housing market, because landlords are reluctant or
flatly refuse to rent to such households. Establishing a strict occupancy standard either
by the local jurisdiction or by landlords on the rental agreements may be a violation of
fair housing practices.
Chapter 4: Public Policies
84
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
In general, no State or federal regulations govern occupancy standards. The State
Department of Fair Employment and Housing (DFEH) uses the "two-plus-one" rule in
considering an appropriate number of persons to occupy a housing unit - two persons
per bedroom plus and additional person. Using this rule, a landlord cannot restrict
occupancy to fewer than three persons for a one-bedroom unit or five persons for a
two-bedroom unit, etc. While DFEH also uses other factors, such as the age of
occupants and size of rooms, to consider the appropriate standards, the two-plus-one
rule is generally followed. Other guidelines are also used as occupancy standards - the
California Fire Code and the Uniform Housing Code. The Fire Code allows one person
per 150 square feet of "habitable" space. The Uniform Housing Code (1997 edition)
outlines a standard of one person for every 50 square feet of bedroom space. These
standards are typically more liberal than the "two-plus-one" rule.
A review of the San Bernardino Development Code shows that the City's definition of
family limits the total number of persons that can occupy a housing unit to six. This
definition of family may be interpreted as an occupancy standard that in some cases
could be more restrictive than that established in the Uniform Housing Code, California
Fire Code or DFEH guidelines. As previously discussed, court rulings states a zoning
ordinance or development code cannot regulate residency by discrimination between
biologically relates and unrelated persons.
D. Affordable Housing Development
In general, many minority and special needs households are disproportionately affected
by a lack of adequate and affordable housing in a region. While affordability issues are
not directly fair housing issues, expanding access to housing choices for these groups
cannot ignore the affordability factor. Insofar as rent-restricted or non-restricted low-
cost housing is concentrated in certain geographic locations, access to housing by
lower-income and minority groups in other areas is limited and can therefore be an
indirect impediment to fair housing choice. Furthermore, various permit processing and
development impact fees charged by local government results in increased housing
costs and can be a barrier to the development of affordable housing. Other policies and
programs, such as inclusionary housing and growth management programs, can either
facilitate or inhibit the production of affordable housing.
1. Oevelopment Fees
Housing construction imposes certain short- and long-term costs upon local government
such as the cost of providing planning services and inspections. As a result, San
Bernardino collects fees to recover the costs of processing permits and providing the
necessity services and infrastructure related to new development. Table 56
summarizes the common planning fees charged for providing associated services for
new housing development. As shown, fees vary widely based on the type and size of
each development.
Chapter 4: Public Policies
85
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Cit Fees
Site Plan Review'
Architectural Review5
En ineerin Fees6
Buildin Fees?
Police Fees8
Fife Fees8
Parks Fees8
Libra Fees8
Watef and Sewer'
Initial Stud Fee10
Local Circulation8
Re ional Circulation8
Aquatics Facilities Fee8
Public Meetin s Facilities Fee8
Storm Drain Feess
Other Government A enc Fees
School Fees"
Other A enc Fees 12
Total
Per Unit Total
Source: City of San Bemardino, 2009
1. Single-family housing project assumed at one 2,000 square foot home with a 400 square foot garage.
2. Condominium unit assumed at 1,500 square feet with a 400 square foot garage.
3. Apartment unit assumed at 1,000 square feet with a 200 square foot carport.
4. Review of Site Plan and Architecture is covered by the same application and fee. Site Plan Review fee represents fee for
T entatiye Subdivision Application reyiew of lot layout in scenarios 1 and 2 and the fee for a Development Permit Type 3.
5. Architectural reyiew represents Deyelopment Permit Type 3 for scenarios 1 and 2 (per current Planning Fee Schedule)
6, Engineering Fees based on likely development assumptions for Offsite Improvements, Onsite Improvements, Onsite Grading
and Landscaping Plan Checks.
7. Building fees based on likely plan check and permit fees.
8. Per current Public Works Fee Schedule for Development Impact Fees. Based on the number of total units assumed for each
scenario.
9. Per Water Department estimates combined wnh current Deyeloper Impact Fee for Sewer Connection. Sewer fee based on
number of bedrooms for project scenario 1 assumes 45 bedrooms, scenario 2 assumes 60 bedrooms and scenario 3 assumes
100 bedrooms.
10. Per current Planning Fee Schedule.
11. Per 2009 Schedule of Applicable School Fees within the San Bernardino City Unified School District, $5.40 per square foot of
new accessible space for new residential construction.
12. State Fish and Game Fee and County Clerk filing fee for a Notice of Determination tor Califomia Enyironmental Quality Act
Documents.
$8,822.59
$7,760.27
$18,882.97
$15,533.55
$8,966.10
$11,112.75
$125,400.00
$8,949.45
$26,872.85
$3,338.46
$3,268.05
$36,525.00
$4,575.15
$14,355.00
$55,079.55
$9,154.09
$7,760.27
$58,009.55
$20,818.07
$10,591.80
. $18,278.60
$132,340.00
$9,452.20
$40,539.80
$3,338.46
$2,904.80
$32,520.00
$4,826.40
$15,140.00
$30,316.80
$162,000.00
$2,818.25
$514,259.99
$34,283.99
$162,000.00
$2,818.25
$560,809.09
$28,040.45
$7,760.27
$7,760.275
$60,305.22
$28,944.50
$26,479.50
$45,696.50
$330,850.00
$23,630.50
$45,853,00
$3,338.46
$7,262.00
$81,300.00
$12,066.00
$37,850.00
$75,792.00
$270,000.00
$2,818.25
$1,059,945.90
$21,198.92
Almost all of these fees are assessed through a prorate share system, based on the
magnitude of the project's impact or on the extent of the benefit that will be derived
from the services or facilities for which the fees are charged. The City of San
Bernardino's fees are not high relative to other cities in the region and are not overly
burdensome constraint to housing development.
In addition to planning fees, the City of San Bernardino charges various development
impact fees upon new development. In contrast to service fees that recover the costs
Chapter 4: Public Policies
86
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
of providing services, impact fees are intended to fund the improvement in
infrastructure and services needed to accommodate new housing development. For
instance, common examples include school fees, park and recreation fees, sewer fees
and transportation improvement fees. These fees are included in Table 56 above.
Until 1978 property taxes were the primary revenue source for financing the
construction of infrastructure and improvement required to support new residential
development. The passage of Proposition 13 in 1978 has limited a local jurisdiction's
ability to raise property taxes and significantly lower the ad valorem tax rate, increasing
reliance on other funding sources to provide infrastructure, public improvements and
public services. An alternative funding source widely used among local governments in
California is the development impact fee which is collected for a variety of
improvements including water and sewer facilities, parks and transportation
improvements. To enact an impact fee, State law requires that local jurisdiction
demonstrate the "nexus" between the type of development in question and the impact
being mitigated by the proposed fee must be roughly proportional to the impact caused
by the development. Nevertheless, development impact fees today have become a
significant cost factor in housing development.
California's high residential development impact fees contribute to its high housing
costs and prices. Among California jurisdictions, fees account for an average of ten
percent of the median price of new single-family homes. The effects of reduced fees
on housing affordability, however, would vary widely depending on the amount of the
fee reduction and on current home prices. As things now stand, those jurisdictions
that do the most to accommodate California's housing production needs are also the
most dependent on development fees to finance growth-supporting infrastructure, and
thus, can least afford to reduce their fees.
The contribution of fees to home prices varies temporally as well spatially. When times
are good, housing production tends to lag behind demand, especially in coastal
markets. Housing prices during such periods are chiefly affected by the balance
between supply and demand and are much less affected by construction and
development costs. When economic times are bad, as they are today in most parts of
California, and demand is weak, housing prices are more sharply affected by the prices
of construction inputs, including fees, The strength of the economy and housing
market also determines the degree of fee shifting and who ultimately pays fees. During
strong economic times, it is the final homebuyer or renter who ends up paying housing
development fees; the builder or developer is mostly an intermediary. During
recessionary periods, the burden of paying for fees may be shifted backwards to the
landowner.
2. Article 34
Article 34 State Constitution requires a majority vote of the electorate to approve the
development, construction or acquisition by a public body of any "low rent housing
project" within that jurisdiction. In other words, for any projects where at least 50
percent of the occupants are low income and rents are restricted to affordable levels,
Chapter 4: Public Policies
87
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
the jurisdiction must seek voter approval known as "Article 34 Authority" to authorize
that number of units. The City of San Bernardino obtained Article 34 authority to be
directly involved in to the development, construction and acquisition of low-rent
housing.
In the past, Article 34 may have prevented certain projects from being built. In
practice, most public agencies have learned how to structure projects to avoid
triggering Article 34, such as limiting public assistance to 49 percent of the units in the
project. Furthermore, the State legislature has enacted Section 37001, 37001.3 and
37001.5 of the Health and Safety Code to clarify ambiguities relating to the scope of
the applicability of Article 34 which now exist.
3. Growth Management Programs
Growth management programs facilitate well-planned development and ensure that the
necessary services and facilities for residents are provided. However, a growth
management program may act as a constraint if it prevents a jurisdiction from
addressing its housing needs, which could indirectly impede fair housing choice. These
programs range from general policies that require the expansion of public and facilities
and services concurrent with new development, to policies that establish urban growth
boundaries (the outermost extent of anticipated urban development), to numerical
limitations on the number of dwelling units that may be permitted annually.
State housing law mandates a jurisdiction facilitate the development of a variety of
housing to meet the jurisdiction's fair share of regional housing needs. Any growth
management measure that would compromise a jurisdiction's ability to meet its regional
housing needs may have an exclusionary effect of limiting housing choices and
opportunities of regional residents or concentrating such opportunities in other areas of
the region. The City of San Bernardino does not have building moratoriums or growth
management plans that limit housing construction.
4. Inclusionary Housing Program
Inclusionary housing describes a local government requirement that a specified
percentage of new housing units be reserved for affordable to, lower- and moderate
income households. The goal of inclusionary housing programs is to increase the
supply of affordable housing commensurate with new market-rate development in a
jurisdiction. This can result in improved regional jobs-housing balances and foster
greater economic and racial integration within a community. The policy is most
effective in areas experiencing rapid growth and a strong demand for housing.
Inclusionary programs can be voluntary or mandatory. Voluntary programs typically
require developers to negotiate with public officials but do not specifically mandate the
provision of affordable units. Mandatory programs are usually codified in the zoning
ordinance or development code, and developers are required to enter into a
development agreement specifying the required number of affordable housing units or
Chapter 4: Public Policies
88
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
payment of applicable in-lieu fees" prior to obtaining a building permit. The City of San
Bernardino does not an inclusionary housing program or policy.
5. Redevelopment Project Areas
Redevelopment project areas constitute a significant source of affordable housing
resources for local governments and the City of San Bernardino has 11 redevelopment
project areas. In comparison to federal affordable housing monies, California
Redevelopment Law provides redevelopment agencies greater latitude in meeting
affordable housing goals. Agencies may exercise all powers of redevelopment, which
include land acquisition, leasing, construction, rehabilitation, subsidies and many other
financing tools.
State law requires redevelopment agencies to set-aside 20 percent of tax increment
revenue generated from redevelopment projects for activities that increase, improve or
preserve the supply of housing affordable to low and moderate income households.
Housing developed within the redevelopment project area must abide by the
inclusionary housing policy set forth in the above section. The City of San Bernardino
complies with applicable redevelopment laws.
E. Policies Causing Displacement or Affect Housing Choice of
Minorities and Persons with Disabilities
Local government policies could result in displacement or affect representation of
minorities or persons with disabilities. Policy areas that could have effects are
summarized accordingly: redevelopment activities, reasonable accommodations, ADA
compliance public facilities and occupancy standards.
1. Redevelopment Activities
Redevelopment activities are governed by the California Relocation Assistance and Real
Property Acquisition Guidelines (Government Code Section 7260 through 7277) and
the California Eminent Domain Law (California Code of Civil Procedure Section
1230.010 et. Seq.). Although construction activities within redevelopment project
areas can result in new resources for lower- and moderate income housing, existing
lower and moderate income residents and businesses serving traditionally underserved
populations can be displaces. in the redevelopment process. To carry out
redevelopment projects with a minimum of hardship to displaced persons and
businesses, State law requires developers to make a reasonable attempt to acquire the
necessary properties through voluntary means rather than the redevelopment agency's
use of eminent domain. Special attention should be paid to ensure that lower- and
moderate income households are fairly compensated in this process.
12 An in-lieu fee is the payment of a specified sum of money instead of constructing the required number
of affordable housing units. The fee is used to finance affordable housing elsewhere in a community.
Chapter 4: Public Policies
89
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Despite laws designed to minimize hardship to those displace directly in the
redevelopment process, those indirectly gentrified through the redevelopment process
have little or no recourse. A lower income household occupying a low cost rental unit
in a complex planned for demolition in a redevelopment project area may be forced to
move it a landlord decides not to renew the tenant's lease, or permit the tenant to
continue residing in the unit on a month-to-month basis until shortly before the
structure is razed. Because of rising land values in areas targeted for redevelopment,
existing lower-income renters can be forced out of their communities if they are not
able to find adequate and affordable housing nearby. Due to the socioeconomic and
demographic factors, gentrification of this type can disproportionately affect minorities
and persons with disabilities. The City complies with the displacement and relocation
requirements pursuant to California Redevelopment Law and the federal Uniform
Relocation Act.
2. Reasonable Accommodations
The Fair Housing Act, as amended in 1988, requires that cities and counties provide
reasonable accommodation to rules, policies, practices and procedures where such
accommodation may be necessary to afford individuals with disabilities equal housing
opportunities. While fair housing laws intend that all people have equal access to
housing, the law also recognizes that people with disabilities equal housing
opportunities. While fair housing laws intend that all people have equal access to
housing, the law also recognizes that people with disabilities may need extra tools to
achieve equality. Reasonable accommodation is one of the tools intended to further
housing opportunities for people with disabilities. For developers and providers of
housing for people with disabilities who are often confronted with siting or use
restrictions, reasonable accommodation provides a means of requesting from the local
government flexibility in the application of land use, zoning and building code
regulations or, in some instances, even a waiver of certain restrictions or requirements
because it is necessary to achieve equal access to housing. Cities and counties are
required to consider requests for accommodations related to housing for people with
disabilities and provide the accommodation when it is determined to be "reasonable"
based on fair housing laws and the case law interpreting the statutes.
The City does not currently have a reasonable accommodations policy in place. San
Bernardino will adopt an ordinance to enact a process for disabled individuals (or those
acting on their behalf) to make requests for reasonable accommodation in program
3.4.1 of the Housing Element. The City will make reasonable accommodation
information available at City Hall and on the City's website
The City has the enforcement authority for State accessibility laws and regulations
(California Code of Regulations Title 24) when evaluating new construction requests.
Americans with Disabilities Act provisions include requirements for a minimum
percentage of units in new development to be fully accessible to the physically
disabled.
Chapter 4: Public Policies
90
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
F. Equal Provision of and Access to Public Services
It is important that all socioeconomic segments of society are served equally with
government services. The provision of adequate parks and recreation opportunities has
become a rising concern as it related to environment justice.
1. Active Parkland
The City of San Bernardino is unique in that active parkland is distributed evenly
throughout the City and adequately serves low and moderate income areas, Table 57
shows that 63 percent of the City residents lived in low and moderate income areas in
2000 (date of most recent available data), and, as of February 2010, 65 percent of the
City's active parkland was located in these areas. Similarly, while 37 percent of the
City residents lived in upper income areas, 35 percent of the City's parkland was
located in these areas.
Table 57 Park Acreage In Low and Moderate Income Areas
Park Acreage Total Po ulation
# % # %
Low and Moderate Income Areas 378.8 65.3% 123,157 63.0%
Rest of San Bernardino 201.35 34.7% 72,325 37.0%
Total 580.14 100% 195,482 100%
Source: u.s. Census 2000, City of San Bernardino
As of 2000, 70 percent of active parkland was located within census block groups
where there is a concentration of minority residents (block groups whose proportion of
minority households is greater than the overall San Bernardino County average of 54
percent). Accordingly, these minority concentration areas accounted for 64 percent of
the population. The City of San Bernardino provides active parkland equitably for low
and moderate income areas as well as minority concentration areas.
Table 58: Park Acreage In MinOrity Areas
Park Acreage Total Po ulation
# % # %
Areas with Minoritv Concentration 409.7 70,6% 124,661 63,8%
Rest of San Bernardino 170.4 29.4% 70,821 36.2%
Total 580.1 100% 195,842 100%
Source: u.s. Census 2009, City of San Bernardino
G. Access to Transit
As outlined in Chapter 2 of this AI, equal provision of transit services is indirectly a fair
housing issue if transit-dependent populations are not adequately served by public
transit, thereby limiting their housing choice. One way to measure this is to compare
the relationship between existing transit routes, employment centers and areas where
the proportion of residents using transit regularly.
Chapter 4: Public Policies
91
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
As depicted in Figure 7, most transit dependent areas are linked to major employment
centers by existing transit services. Public policies can ensure that transit service is
closely aligned with the transit needs of the City. By extending transit service into
areas currently un-served, housing choice for transit-dependent households would
expand.
H. ADA Compliant Public Facilities (Section 504 Assessment)
The Americans with Disabilities Act (ADA) of 1990 is federal civil rights legislation
which makes it illegal to discriminate against persons with disabilities. Title II of the
ADA requires elimination of discrimination in all public services and the elimination of
architectural barriers in all publicly owned buildings and facilities. It is important that
public facilities are ADA compliant to facilitate participation among disabled residents in
the community planning and decision-making processes. One of the key places that
facilitate community participation is City Hall. The San Bernardino City Hall is ADA
compliant.
I. local Housing Authority
The availability and use of Section 8 vouchers and public housing units must also
adhere to fair housing laws. In San Bernardino, the HUD Section 8 voucher program is
administered by the Housing Authority of the County of San Bernardino (HACSB). [The
HACSB has adopted priorities or preference for Section 8 and/or public housing.
Typically, local residents (or those who work locally), senior, persons with disabilities
and veterans are given preferences. Awaiting verification of this information]
Section 16(a)(3)(B) of the United States Housing Act mandates that public housing
authorities adopt an admission policy that promotes the de-concentration of poverty in
public housing. HUD emphasizes that the goal of de-concentration is to foster the
development of mixed-income communities with public housing. In mixed-income
settings, lower-income residents are provided with working family role models and
greater access to employment and information networks. This goal is accomplished
through the policy's income-targeting and de-concentration.
For Section 8 vouchers, the Housing act mandates that not less than 75 percent of
new admission must have incomes at or below 30 percent of the Area Median Income.
The remaining balance of 25 percent may have incomes up to 50 percent of the Area
Median Income. For public housing, the Housing Act mandates that not less than 40
percent of new admissions must have incomes at or below 30 percent of the Area
Median Income. The balance of 60 percent of new admissions may have incomes up
to 80 percent of the Area Median Income.
Chapter 4: Public Policies
92
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
J. Community Participation
Adequate community involved and representation are important to overcoming and
identifying impediments to fair housing or other factors that may restrict access to
housing. An important strategy for expanding housing choices for all residents is to
ensure that residents' concerns are heard. A jurisdiction must create avenues through
which residents can voice concernS and participate in the decision making process.
The City values citizen input and has established a number of commissions/committees
with representation from the community. The roles of each of these bodies are
discussed below. The racial/ethnic composition of these boards, committees and
commissions are summarized in Error! Reference source not found..
1. City Council
City residents elect the City Council to guide the policy affairs of the community. The
City Council must provide an environment that stimulates participation in the governing
processes and must conduct the affairs of the City openly and responsively. San
Bernardino uses the Council-Manager form of government. The City is divided, for
electoral purposes, into seven Wards approximately equal in population. Each Ward
elects a Council representative to staggered four-year terms.
2. Planning Commission
It is the responsibility of the Planning Commission to advise the Mayor and City Council
on all matters affecting development of the City's general plan, zoning and ordinances
to guide the implementation of long range planning. The Commission is composed of
nine residents who are appointed by the Mayor. Planning Commissioners serve four-
year terms that coincide with the Mayor's term. Commissioners may stay on as long
as the Mayor is elected continually or if a newly elected Mayor wants to keep them on.
3. Youth Advisory Commission
The purpose of the Youth Advisory Commission is to involve young people in local
governance, to engage youth in creating positive social change and to serve in an
advisory capacity to the Mayor and Common Council on topics relating to needs,
priorities, programs and opportunities for youth in the community. The Commission
consists of 19 voting members between the ages of 15 and 23 appointed by the Mayor
and City Council. They are all residents of the City with an awareness and
understanding of the needs of young people in San Bernardino.
Chapter 4: Public Policies
93
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
4. Parks and Recreation Commission
The Parks and Recreation Commission is made up of nine members appointed by the
City Council to serve terms of continually at the discretion of the Council. The
Commission advises the Mayor, the Council and the City Manager on four main areas:
. community needs and problems for the purposes of providing a basis for
establishing departmental priorities, goals and objectives;
. Programs and plans designed to meet stated goals and objectives in areas such
as youth affairs, senior affairs, consumer affairs, discrimination in housing and
employment and community service centers;
. Coordination on a City-wide basis the work of those community agencies and
organizations engaged in the providing of human services; and
. Evaluation of all community agencies and organizations receiving City funds for
the purpose of providing human services.
5. Historical Preservation Commission
The purpose of the Historical Preservation Commission is to promote the general
welfare of the City by providing for the identification, protection and enhancement of
buildings, structures, areas, streets, districts, neighborhoods, sites and natural
landscapes that have special historical, archeological, cultural or aesthetic value to the
San Bernardino. The Commission consists of nine voting members who are appointed
by the Mayor and the Council. The Mayor nominates two residents and registered
voters as well as one non-voting advisory member who does not need to be a resident
of the City. The Historical Preservation Commission is responsible for the following
duties:
. Serve in an advisory capacity to the Planning Commission in making
recommendations relating to the designation, preservation and protection of
historical properties.
. Assist in evaluating Mills Act applications.
. Make recommendations, as requested, to the Planning Commission regarding
proposed general plan, zoning and map changes that impact designated areas.
. Promote public interest in, and understanding of, historical and scenic properties
and the preservation thereof.
. Seek out information and advise the Mayor and Council on funding opportunities
for historical preservation.
Chapter 4: Public Policies
94
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
6. Relocation Appeals Board
The Board hears all complaints brought by residents of the redevelopment project areas
relating to relocation and determine whether the Redevelopment Agency has complied
with the provisions of applicable state and federal law and regulations. After a public
hearing, the board sends its findings and recommendation to the Redevelopment
Agency.
7. Human Relations Commission
The Human Relations Commission was created to consult and advise the Mayor and
Council on issues involving the rights of citizens and visitors of the City and equal
economic, political and educational opportunity and to equal accommodations in all
business establishments in the City. The Commission strives to eliminate prejudice and
discrimination because of race, sex, age, color, ethnicity, religion, national origin,
ancestry, physical disability, marital status, political affiliation and/or beliefs and any
other category protected by law.
8. Multi-Lingual Capacity of Staff
A broader range of residents may feel more comfortable approaching an agency with
concerns or suggestions if that agency offers sensitivity or diversity training to its staff
members that typically interface with the public. In addition, if there is a mismatch
between the linguistic capabilities of staff members and the native languages of local
residents, non-English speaking residents may be unintentionally excluded from the
decision making process. Another factor that may affect community participation is
the inadequacy of an agency or public facility to accommodate residents with various
disabilities.
A total of ten code enforcement staff members that work with residents are bilingual.
[Awaiting additional information on other departments]
9. Cultural Diversity Training
While providing fair housing education for the public and housing professional is critical,
ensuring that City staff understands fair housing laws and sensitivity to the
discrimination issues is equally important. The City of San Bernardino offers staff
cultural diversity training twice per fiscal year. It is not mandatory for any staff
members.
Chapter 4: Public Policies
95
''''~~-"~.-._~'--~~~~~-~
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
K. Housing and
Programs
Community Development Policies and
1. Housing Element
The Housing Element of a community's general plan is required by California State law
to be reviewed by the State Department of Housing and Community Development
(HCD) for compliance with housing laws. An important criterion of HCD approval of
any housing element includes a determination that the local jurisdiction's policies do not
unduly constrain the maintenance, improvement and development of a variety of
housing choices for all income levels.
The City's is currently updating its Housing Element. The City of San Bernardino has
identified the following goals relating to housing in the 2008-2014 Housing Element:
. Identify adequate sites for a variety of housing types.
. Conserve and improve the existing affordable housing stock and revitalize
deteriorating neighborhoods.
. Assist in the provision of housing affordable to lower and moderate income
households.
. Promote equal housing opportunities for all persons in San Bernardino.
The City will also adopt a number of housing programs to meet these goals. These
programs are listed in the Housing Element and include:
Identify Adequate Sites for a Variety of Housing Types
. Acquisition, Demolition and Redevelopment: The City has a track record of
successfully demolishing substandard units, relocating tenants to safe housing
and partnering with a developer to rebuild the property for high quality
affordable housing. The City will continue to purchase abandoned or foreclosed
single-family projects and demolish units in physical conditions beyond
rehabilitation. This program will remove blight, improve public safety and
provide new opportunities for affordable homeownership opportunities.
. Downtown Housing: Vacant and underutilized sites in Downtown San
Bernardino offer a unique opportunity for integrating residential uses into the
dense urban core. The Downtown Core Vision sets forth goals and objectives
for transforming this primarily commercial and office area into a lively mixed-use
and multipurpose node that is highly connected to city services, employment,
housing and educational facilities within walking distance and through public
transit.
. Transit-Oriented Development: The Omnitrans Short Range Transit Plan calls for
increased public transportation routes, stations and stops in San Bernardino.
The creation of a Transit-Oriented Development (TO D) Overlay District at mass
Chapter 4: Public Policies
96
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
transit stations and stops will facilitate economic development in distressed
areas while simultaneaously creating a more livable, healthy and safe community
by enhancing transit options, encouraging new mixed use development and
improving the pedestrian environment.
. Residential Standards for General Commercial 3 District: The City permits mixed-
use residential development in the Commercial General-3 (CG-3) zone, but the
Development Code explicitly states development standards or a maximum
density for mixed-use residential uses in the CG-3 zone (current standards
default to those in the CG-2 zone). Development standards will provide property
owners and the development community with a better understanding of the
residential development potential in this district.
. Corridor Improvement Program: The Corridor Improvement Program is an option
package of policy, regulatory and incentives intended to stimulate investment
and development in the Corridor Strategic Areas. Key incentives include
allowing increased densities for housing and mixed-use projects within 500 feet
of a transit stop, increasing densities and FARs for mixed-use projects that
replace strip commercial on arterials and increased density projects that include
lot consolidation.
. General Lot Consolidation Incentive: Small, individual lots offer limited
development potential and generally cannot support onsite property
management. Development opportunities could be increased through a small-lot
consolidation program that offers a 15 percent density bonus for projects with a
residential component that are committing to a maintenance plan and having on-
site management. This encourages a more efficient use of the land while
ensuring adequate long-term maintenance and oversight of a property.
. Density Bonus Provisions: Density bonus provisions reward developers providing
affordable housing to seniors or families with an increase in density and reduced
parking, reduced setbacks and other factors that decrease the cost of housing
production. Density bonus projects can be an important source of housing for
lower and moderate income households.
Housing and Neighborhood Preservation
. Acquire, Rehabilitate and Resell Foreclosed Homes: Several thousand homes in
San Bernardino have been foreclosed, many of which were abandoned or
improperly secured and have significantly deteriorated or been vandalized by
squatters and thieves. The City has identified intermediary service providers to
rehabilitate, manage, market and close the sale of previously deteriorating
foreclosed homes.
. Acquire, Rehabilitate and Rent Neg/ected Properties: Numerous multifamily
properties in San Bernardino are frequent code violators and have deteriorated
due to deferred maintenance resulting from poor management, foreclosure or
abandonment. These properties offer opportunities for the City to acquire
Chapter 4: Public Policies
97
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
relatively affordable buildings and facilitate their rehabilitation or demolition and
reconstruction for high quality lower income rental housing.
. Homebuyer and Owner Education: Some new homebuyers and existing owners
are not properly informed of the responsibilities of homeownership and could
greatly benefit from educational programs on credit, lending and home
maintenance topics.
· Single-Family Renta/ Property Inspection: The City's Single-Family Rental
Property Inspection Program requires that all property owners and companies
that lease single-family detached or attached homes be annually inspected by
Code Enforcement staff. The inspection documents the condition of single-
family rental housing, provides opportunities to educate owners and tenants
about their responsibilities to the property, identify illegal rental units and
combat blighted conditions that reduce property values.
. Multifamily Inspection Program: With increased age, overuse and inadequate
property maintenance, multifamily housing can become a visual blight and
hazardous to public health and safety. Inspecting multifamily housing identifies
deferred maintenance and code violations, provides oversight to property
managers, and refers violators to assistance programs.
. Neighborhood Housing Services of the Inland Empire Neighborhood Maintenance
Program: Neighborhood Housing Services of the Inland Empire administers a
Neighborhood Maintenance Program in San Bernardino. The program provides
exterior home improvement grants up to $10,000 to lower and moderate
income homeowners occupying single-family homes.
. Onsite Property Management Incentives: Onsite property management provides
quick response to owner and tenant needs such as unit inspections, unit repairs
and use and maintenance of common space areas and parking facilities. The
presence of a manager encourages tenants to report malfunctions, which in turn
can improve living conditions and better preserve the quality of the housing
stock. Although the long-term benefits to the tenants and property owner are
numerous, some project developers may need encouragement to commit to
property management plan and provide a unit for an onsite manager. The City
will identify funds to subsidize one unit on each participating property for a
moderate income household to be occupied by an on-site manager.
. O/dtimers Grant Program: The Economic Development Agency supports the
Oldtimers Grant Program, administered by the Oldtimers Foundation, a local not-
for-profit organization dedicated to resident and neighborhood improvement.
The Oldtimers Grant Program provides up to $750 per unit for home repairs for
units occupied by lower income seniors and disabled households.
. Neighborhood Initiative Beautification Program: The Neighborhood Initiative
Beautification Program provides grants up to $5,000 to lower and moderate
income homeowners or tenants for exterior beautification projects in targeted
Chapter 4: Public Policies
98
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
areas of the community. The grants support improvements such as exterior
painting, landscaping (including outdoor watering systems), fencing, security
lighting and roofing. Although project funding has not been secured for years
beyond 2009, the City will apply to HUD for additional funds.
. Preservation of Assisted Multifamily Renta/ Housing: As affordability covenants
expire, the City will collaborate with public and private housing agencies and
organizations that qualify for the right of first refusal for privately owned,
assisted multifamily rental housing.
. Lead Hazard Control: The purpose of the Lead Hazard Control program is to
identify and control lead based paint hazards in both privately and publicly
owned housing for rental and owner occupants.
. Mobile Home Grant Repair Program: Supported by the Economic Development
Agency and administered by NHSIE, the program provides grants of up to
$5,000 for mobile home repairs.
Affordable Housing Assistance
. First Time Homebuyer: The City of San Bernardino Economic Development
Agency provides up to 20 percent of the purchase price of the home to
qualifying lower and moderate income homebuyers. These funds can be used
towards down payment and closing costs. The loan is deferred silent second
with no monthly payments and is forgiven if the homeowner resides in the home
for a period of 45 years. The loan must be repaid, plus there will be a certain
percentage of equity share when the home is sold, transferred, refinanced or
converted into a rental property.
. Utility Assistance: Many lower and moderate income households must defer
utility payments or avoid using utilities to afford critical items like health care
and mortgage payments. The City provides utility assistance to such
households.
. Emergency Shelter Grant Program: The Economic Development Agency uses
federal and local funds to support organizations that provide emergency shelter
to homeless individuals and families in San Bernardino. The City has assisted
with purchase, rehabilitation and operations of a four-unit apartment complex for
emergency shelter operated by the Frazee Community Center.
. Transitiona/ Housing Assistance: The Economic Development Agency supports
various transitional housing facilities in San Bernardino. For example, the City
has provided grants to the Obershaw House for transitional housing to families
with children and to several battered women's shelters.
. California State University, San Bernardino, Professor Homebuyer Assistance:
The California State University, San Bernardino, administration and City of San
Bernardino seek to accommodate the housing needs of professors. Providing
Chapter 4: Public Policies
99
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
housing assistance within the City encourages homeownership investment in the
community, retains high quality staff and establishes an additional bond
between the City and university. The City will provide downpayment
assistance, up to 20 percent, to California State University, San Bernardino,
professors purchasing a home in the City of San Bernardino.
Equal Housing Opportunity
. Reasonable Accommodation Ordinance: The City of San Bernardino does not
have a formal process for requesting exemptions from government regulations
for the purpose of creating housing accessible to disabled persons. A
Reasonable Accommodation Ordinance will enact a process for disabled
individuals (or those acting on their behalf) to make requests for reasonable
accommodation for relief from burdensome land use, zoning or building laws
rules, policies, practices and/or procedures. The City will make the information
available at City Hall and on the City's website.
. Universal Design Features: Universal design features are accessible designs that
create barrier-free spaces. Universal design can make a home accessible to
persons with disabilities and comfortable for general use. By incentivizing or
requiring assisted new construction or rehabilitation projects to include universal
design features, the City would increase its housing stock that is appropriate for
aging in place and special needs.
. Fair Housing Mediation: The Inland Fair Housing and Mediation Board provides
education, dispute resolution and legal advising services to San Bernardino
owners, landlords and tenants in conflict. Such services are particularly
important for lower and moderate income households unable to afford retaining
counsel. The City refers persons with housing discrimination or other fair
housing inquiries to the Inland Fair Housing and Mediation Board for assistance.
· Permanent Emergency Shelter Ordinance: The City will create a permanent
ordinance for this area that defines emergency shelters and establishes
appropriate standards for new and adaptive reuse emergency shelters.
. Transitional and Permanent Supportive Housing: The City will amend the
development code to adequately define transitional and permanent supportive
housing and permit these uses based on unit type, in accordance with Senate
Bill 2.
. Operation Phoenix: An approach to City improvement involving crime
suppression, criminal activity intervention and preventative measures to support
healthy childhood development.
Chapter 4: Public Policies
100
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
L. Administrative Policies
1. Equal Opportunity and Affirmative Marketing
It is the policy of the City of San Bernardino to actively promote and provide equal
employment opportunity to all persons on all matters affecting City employment. The
City of San Bernardino is committed to a policy of non-discrimination in employment
practices and reaffirms its commitment that no person shall benefit or be discriminated
against on the bases of race, religion, color, national origin, ancestry, physical or
mental disability, medical condition, marital status, age, sex, sexual orientation or any
other basis that is inconsistent with federal or state statues, the City Charter,
ordinances, resolutions, rules or regulations.
To ensure enactment of this policy, the City adopted an Equal Employment Opportunity
Plan (EEOP). The EEOP establishes responsibility and accountability for the City's Equal
Employment Opportunity Program. The plan analyzes the City's work force, identifies
areas of under-utilization, and establishes specific objectives for addressing areas of
under-utilization for achieving a representative work force at all levels of employment.
To achieve a successful program, the City requires the full support and cooperation of
its officers and employees in following both the spirit and intent of this Plan. Equal
opportunity is consistent with sound management and quality services.
[Awaiting verification and additional information on this section]
Chapter 4: Public Policies
101
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 5
Fair Housing Practices
This chapter provides an overview of the institutional structure of the housing industry
with regard to fair housing practices. In addition, this chapter discusses the fair
housing services available to residents, as well as the nature and extent of fair housing
complaints received by the fair housing provider. Typically, fair housing services
encompass the investigation and resolution of housing discrimination complaints,
discrimination auditing/testing and education and outreach, including the dissemination
of fair housing information. Tenant/landlord counseling services are usually offered by
fair housing service providers but are not considered fair housing services.
A. Fair Housing Practices in the Homeownership Market
On December 5, 1996, HUD and the National Association of Realtors (NAR) entered
into a Fair Housing Partnership. Article VII of the HUD/NAR Fair Housing Partnership
Resolution provides that HUD and NAR develop a Model of Affirmative Fair Housing
Marketing Plan for use by members of the NAR to satisfy HUD's Affirmative Fair
Housing Marketing regulations. Even so, there is still room for discrimination in the
housing market.
1. The Homeownership Process
One of the main challenges in owning a home versus renting a home is the process.
Buying a house takes considerably more time and effort than finding a home to rent.
The major legal and financial implications surrounding the process also intimidate
potential buyers. Typically, people are overwhelmed by the unique terminology,
number of steps required, and financial considerations involved. The process is costly
and fair housing issues may surface at any time during this process.
Advertising
The first thing a potential buyer is likely to do when they consider buying a home is
search advertisements either in magazines, newspapers or the internet to get a feel for
what the market offers. Language in advertising has recently become an issue within
the realm of real estate. Advertisements cannot include discriminatory references such
as the use of words describing current or potential residents or the neighbors or the
neighborhood in racial or ethnic terms. Some commonly used statements that are
discriminatory include:
. Adults preferred
. Perfect for empty nesters
Chapter 5: Public Policies
103
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. Conveniently located by a Catholic church
. Ideal for married couples without kids
Even the use of models in ads has been questioned, based on the idea that it appears
to appeal to a certain race. Additionally, selecting media or locations for advertising
that deny information on listings to certain segments of the housing market may also
be considered a violation to suggest to a reader whether or not a protected class is
preferred. In cities such as San Bernardino, where the majority of residents belong to a
specific racial or ethnic group, the honneownership process offers opportunities for fair
housing violations due to the natural tendency to advertise in a specific language.
While the advertisements may not violate fair housing laws, these advertisements may
limit opportunities for other racial/ethnic groups to find housing. As a reminder to
choose words carefully, the Multiple Listing Service now prompts a fair housing
message when a new listing is being addeCll. Recent litigation has also set precedence
for violations in advertisements that hold publishers, newspapers, Multiple Listing
Services, real estate agents and brokers accountable for discriminatory ads.
Lending
Initially, buyers must find a lender that will qualify them for a loan. This part of the
process entails an application, credit check and an analysis of ability to repay, amount
eligible for, choosing the type and terms of the loan, etc. Applicants are requested to
provide a lot sensitive information including gender, ethnicity, income level, age and
familial status. Most of this information is used for reporting purposes required of
lenders by the Community Reinvestment Act (CRA) and the Home Mortgage
Disclosures Act (HMDA); however it does not guarantee that individual loan officers or
underwriters will not misuse the information.
A report on mortgage lending discrimination by the Urban Land Institute 13 illustrates
four basic stages in which discrimination can occur:
1. Advertising and outreach
2. Pre-application inquiries
3. Loan approval/denial and terms/conditions
4. Loan administration
A number of different individuals take part in the various stages of this process and any
of them may potentially discriminate. Further areas of potential discrimination include:
differences in the level of encouragement, financial assistance, types of loans
recommended, amount of down payment required and level of customer service
provided.
13 The Urban Land Institute, Mortgage Lending Discrimination: A Review of Existing Evidence. June
1999. Turner, Margery Austin and Skidmore, Felicity, Editors.
Chapter 5: Fair Housing Practices
104
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Real Estate Agents
Finding a realtor is normally the next step, which can be done by looking in
newspapers, searching the internet and primarily through referrals. The agent will find
the home that fits a buyer's needs, desires and budget based on the amount they are
qualified for by the lending institution.
Realtors may act as agents of discrimination by unintentionally or even intentionally
steering potential buyers to or from a particular neighborhood. The City of San
Bernardino has a racially diverse population; however, a real estate agency may assume
that some buyers may not be interested in living in certain portions of the City based on
existing demographic makeup of the neighborhood.
Agents may also discriminate by whom they agree to represent, whom they turn away
and comments they make about their clients. Recognizing this potential for
discrimination the California Association of Realtors (CAR) has included language on
many of their forms disclosing fair housing laws. Many Realtor Associations also host
fair housing trainings and seminars to educate their members on the provisions and
liabilities of fair housing laws. The Equal Opportunity Housing Symbol is also located
on all forms as a reminder.
Appraisals
Banks order appraisal reports to determine whether or not a property is worth the
amount of the loan they will be giving. Generally speaking, appraisals are based on the
comparable sales of properties surrounding the neighborhood of the property being
appraised. Other factors are taken into consideration, such as the age of the structure,
any improvements made, location, etc. Some neighborhoods with higher
concentrations of minorities may appraise lower than like properties in neighborhoods
with lower concentrations. Unfortunately, this practice is geared toward a
neighborhood and not an applicant, and therefore is not a direct violation of fair housing
law that can easily be addressed. One effect of this practice, however, is that it tends
to keep property values lower in a given neighborhood, thereby restricting the amount
of equity and capital available to those residents. Individual appraisers are the ones
making the decisions on the amounts; thus, there is room for flexibility in the numbers.
As each appraiser is individually licensed, similar to real estate agents, they risk losing
their license for unfair practices.
Sellers
A seller may not want to sell his/her house to certain purchasers based on classification
biases protected by fair housing laws, or they may want to accept offers only from a
preferred group. Often, ~ellers are home when agents show the properties to potential
buyers and they may develop certain biases based upon this contact. Sellers must sign
the Residential Listing Agreement and Seller's Advisory forms, which disclose that a
seller understands fair housing laws and practices of nondiscrimination. Yet
enforcement is difficult because a seller may have multiple offers and choose one based
on a bias.
Chapter 5: Public Policies
105
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
2. Covenants, Conditions and Restrictions
Covenants, Conditions and Restrictions (CC&Rs) are restrictive covenants that involve
voluntary agreements that run with the land with which they are associated. The
Statute of Frauds (Civil Code Section 1624) requires CC&Rs to be in writing, because
they involve real property. CC&Rs must be recorded in the County where the property
is located in order to bind future owners. Owners of a parcel may agree amongst
themselves as to the restrictions on use, but in order to be enforceable, restrictions
must be reasonable.'4
In the past CC&Rs were used to exclude certain groups such as minorities from equal
access to housing in a community. Today, the California Department of Real Estate
reviews CC&Rs for all subdivisions of five or more lots, or condominiums of five or
more units. This review is authorized by the Subdivided Lands Act and mandated by
the Business Professions Code, Section 11000. The review includes a wide range of
issues, including compliance with fair housing law.
The review must be completed and approved before the Department of Real Estate will
issue a final subdivision public report. This report is required before a real estate broker
or anyone else can sell the units and each prospective buyer must be issued a copy of
the report. If the CC&Rs are not approved, the Department of Real Estate will issue a
"deficiency notice," requiring the CC&Rs be revised.
Communities with old subdivisions or condominium developments may still contain
CC&Rs that do not comply with fair housing laws. A typical example relates to
occupancy standards, which an association may see to enforce in order to oust a
particular group or discriminate based on familial status or lack thereof. However,
provisions in the CC&Rs that violate the fair housing laws are not legally enforceable by
the homeowners association. A majority of the housing units in San Bernardino were
built prior to the 1980s and may contain CC&Rs that violate fair housing laws.
3. Insurance
Many insurance companies have applied strict guidelines, such as not insuring older
homes, that disproportionately affect lower-income and minority households that can
only afford to buy in older neighborhoods. Underwriting guidelines are not public
information; however, consumers have begun to seek access to these underwriting
guidelines to learn if certain companies have discriminatory policies.
The California Fair Access to Insurance Requirements (FAIR) Plan was created by the
Legislature in 1968 after the brush fires and riots of the 1960s made it difficult for
some people to purrhase fire insurance due to hazards beyond their control. The FAIR
Plan is designed to make property insurance more readily available to people who have
14 Summarized from the fourth edition of California Real Estate Law by William H. Pivar and Robert J.
Bruss Dearborn Real Estate Education, 2000.
Chapter 5: Fair Housing Practices
106
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
difficulty obtaining it from private insurers because their property is considered "high
risk. ..
The California Organized Investment Network (COIN) is a collaboration of the California
Department of Insurance, the insurance industry, community economic development
organizations, and community advocates. This collaboration was formed in 1996 at
the request of the insurance industry as an alternative to state legislation that would
have required insurance companies to invest in underserved communities, similar to the
federal Community Reinvestment Act (CRA) that applies to the banking industry. COIN
is a voluntary program that facilitates insurance industry investments, which provide
profitable returns to investors, and economic and social benefits to underserved
communities.
4. Credit and FICO Scores
Credit history is one of the most important factors in obtaining a home purchase loan.
Credit scores determine loan approval, interest rates associated with the loan, as well
as the type of loan an applicant will be given. Applicants with high credit scores are
generally given conventional loans, while lower and moderate range scores revert to
FHA or other government-backed loans. Applicants with lower scores also receive
higher interest rates on the loans as a result of being perceived as a higher risk to the
lender, and may even be required to pay points depending on the type of lending
institution used.
Fair Isaac and Company (FICO), which is the company used by the Experian (formerly
TRW) credit bureau to calculate credit scores, has set the standard for the scoring of
credit history. Trans-Union and Equifax are two other credit bureaus that also provide
credit scores, though they are typically used to a lesser degree. In short, points are
awarded or deducted based on certain items such as how long one has had credit
cards, whether one makes payments on time, if credit balances are near maximum, etc.
Typically, the scores range from the 300s to around 850, with higher scores
demonstrating lower risk. Lower credit scores require a more thorough review than
higher scores and mortgage lenders will often not even consider a score below 600.
FICO scores became more heavily relied on by lenders when studies conducted show
that borrowers with scores above 680 almost always make payments on time, while
borrowers with scores below 600 seemed fairly certain to develop problems. Some of
the factors that affect a FICO score are:
. Delinquencies
. New accounts (opened within the last twelve months)
. Length of credit history (a longer history of established credit is better than a
short history)
. Balances on revolving credit accounts
. Public records, such as tax liens, judgments, or bankruptcies
. Credit card balances
Chapter 5: Public Policies
107
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. Number of inquiries
. Number and types of revolving accounts
However, the current mortgage lending crisis was in part a result of lenders providing
mortgage financing to borrowers who are not credit worthy, or steering borrowers who
can qualify for lower cost loans to the subprime market.
B. National Association of Realtors@ (NAR)
The National Association of REAL TORS@ (NAR) has developed a Fair Housing Program
to provide resources and guidance to REAL TORS@ in ensuring equal professional
services for all people. The term REAL TOR@ identifies a licensed professional in real
estate who is a member of the NAR; however, not all licensed real estate brokers and
salespersons are members of the NAR.
1. Code of Ethics
Article 10 of the NAR Code of Ethics provides that "REAL TORS@ shall not deny equal
professional services to any person for reasons of race, color, religion, sex, handicap,
familial status, or national origin. REAL TORS@ shall not be a party to any plan or
agreement to discriminate against any person or persons on the basis of race, color,
religion, sex, handicap, familial status, or national origin."
AREAL TOR@ pledges to conduct business in keeping with the spirit and letter of the
Code of Ethics. Article 10 imposes obligations upon REAL TORS@ and is also a firm
statement of support for equal opportunity in housing. AREAL TOR@ who suspects
discrimination is instructed to call the local Board of REAL TORS@. Local Boards of
REAL TORS@ will accept complaints alleging violations of the Code of Ethics filed by a
home seeker who alleges discriminatory treatment in the availability, purchase or rental
of housing. Local Boards of REAL TORS@ have a responsibility to enforce the Code of
Ethics through professional standards procedures and corrective action in cases where
a violation of the Code of Ethics is proven to have occurred.
Additionally, Standard of Practice Article 10-1 states that "REAL TORS@ shall not
volunteer information regarding the racial, religious or ethnic composition of any
neighborhood and shall not engage in any activity which may result in panic selling.
REAL TORS@ shall not print, display or circulate any statement or advertisement with
respect to the selling or renting of a property that indicates any preference, limitations
or discrimination based on race, color, religion, sex, handicap, familial status, or
national origin."
2. Diversity Certification
NAR has created a diversity certification, "At Home with Diversity: One America" to be
granted to licensed real estate professionals who meet eligibility requirements and
complete the NAR "At Home with Diversity" course. The certification will signal to
Chapter 5: Fair Housing Practices
108
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
customers that the real estate professional has been trained on working with diversity
in today's real estate markets. The course work provides business planning tools to
assist real estate professionals in reaching out and marketing to a diverse housing
market. The NAR course focuses on diversity awareness, building cross-cultural skills,
and developing a business diversity plan.
C. California Department of Real Estate (ORE)
The California Department of Real Estate (DRE) is the licensing authority for real estate
brokers and salespersons. As noted earlier, not all licensed brokers and salespersons
are members of the National or California Association of REAL TOR@.
The DRE has adopted education requirements that include courses in ethics and in fair
housing. To renew a real estate license, each licensee is required to complete 45 hours
of continuing education, including three hours in each of the four mandated areas:
Agency, Ethics, Trust Fund, and Fair Housing. The fair housing course contains
information that will enable an agent to identify and avoid discriminatory practices
when providing real estate services to clients.
Prior to July 1, 2007, a real estate salesperson renewing the license for the first time
must complete separate three-hour courses in Agency, Ethics, Trust Fund Handling, and
Fair Housing to qualify for renewal. All licensees, with the exception of those renewing
for the first time, are required to complete a full 45 hours of continuing education for
each license renewal. At least 18 hours of course work specifically designated as
consumer protection must be completed. An additional 15 hours of approved courses
are required, which may be designated as either consumer protection or consumer
service courses.
For the initial renewal on or after July 1, 2007, the law requires, as part of the 45
hours of continuing education, completion of five mandatory three-hour courses in
Agency, Ethics, Trust Fund Handling and Fair Housing and Risk Management. These
licensees will also be required to complete a minimum of 18 additional hours of courses
related to consumer protection. The remaining hours required to fulfill the 45 hours of
continuing education may be related to either consumer service or consumer protection,
at the option of the licensee.
D. California Association of Realtors@ (CAR)
The California Association of Realtors (CAR) is a trade association of 92,000 realtors
statewide. As members of organized real estate, realtors also subscribe to a strict code
of ethics as noted above. CAR has recently created the position of Equal
Opportunity/Cultural Diversity Coordinator. CAR holds three meetings per year for its
general membership, and the meetings typically include sessions on fair housing issues.
Current outreach efforts in the Southern California area are directed to underserved
communities and state-licensed brokers and sales persons who are not members of the
CAR.
Chapter 5: Public Policies
109
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
E. Local Realtor@ Associations
REAL TOR@ Associations are generally the first line of contact for real estate agents
who need continuing education courses, legal forms, career development, and other
daily work necessities. The frequency and availability of courses varies amongst these
associations, and local association membership is generally determined by the location
of the broker that an agent works for. Complaints involving agents or brokers may be
filed with these associations.
Monitoring of services by these associations is difficult as detailed statistics of the
education/services the agencies provide or statistical information pertaining to of the
members is rarely available, The Inland Valley Association of Realtors (IVAR) serves
the City of San Bernardino.
Complaints against members are handled by the association as follows. First, all
complaints must be in writing. Once a complaint is received, a grievance committee
reviews the complaint to decide if it is unworthy of further consideration, if it should be
referred back to the complainant for arbitration or if it warrants a formal hearing. If a
formal hearing is necessary, the Secretary (Chief Executive Officer) conducts a
professional standards hearing with all parties involved. If the member is found guilty
of a violation, the member may be expelled from the association, and the California
Department of Real Estate is notified.
F. Fair Housing Practices in the Rental Housing Market
1. Rental Process
Advertising
San Bernardino has a large rental market with many available units, unlike most parts of
California, which is facing a shortage of rental housing. Often, vacancy is announced
either via word of mouth of existing tenants or a for-rent sign outside the property.
Unless one happens to drive by the neighborhood or have friends or families currently
residing at the property, one may not have access to information regarding vacancy.
Furthermore, this practice tends to intensify segregation of neighborhoods and
properties that already have a high concentration of a racial/ethnic group. When
advertising is done, no checks-and-balances mechanism exists to ensure English
advertising is provided.
Viewing the Unit
Viewing the unit is the most obvious place where the potential renters may encounter
discrimination because landlords or managers may discriminate based on race or
disability, or judge on appearance whether a potential renter is reliable or may violate
any of the rules.
Chapter 5: Fair Housing Practices
110
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Credit/Income Check
Landlords may ask potential renters to provide credit references, lists of previous
addresses and landlords, and employment history/salary. The criteria for tenant
selection, if any, are typically not known to those seeking to rent. Many landlords often
use credit history as an excuse when trying to exclude certain groups. Legislation
provides for applicants to receive a copy of the report used to evaluate applications.
The Lease
Most apartments are rented under either a lease agreement or a month-to-month rental
agreement. A lease is favorable from a tenant's point of view for two reasons: the
tenant is assured the right to live there for a specific period of time and the tenant has
an established rent during that period. Most other provisions of a lease protect the
landlord. Information written in a lease or rental agreement includes the rental rate,
required deposit, length of occupancy, apartment rules, and termination requirements.
Typically, the lease or rental agreement is a standard form completed for all units
within the same building. However, the enforcement of the rules contained in the lease
or agreement may not be standard for all tenants. A landlord may choose strict
enforcement of the rules for certain tenants based on arbitrary factors, such as race,
presence of children, or disability. In recent years, complaints regarding tenant
harassment through strict enforcement of lease agreements as a means of evicting
tenants have increased significantly.
Security Deposit
A security deposit is typically required. To deter "Iess-than-desirable" tenants, a
landlord may ask for a security deposit higher than for others. Tenants may also face
differential treatment when vacating the units. The landlord may choose to return a
smaller portion of the security deposit to some tenants, claiming excessive wear and
tear. A landlord may require that persons with disabilities with service animals pay an
additional pet rent, a monthly surcharge for pets, or a deposit, which is also a
discriminatory act.
During the Tenancy
During tenancy, the most common forms of discrimination a tenant may face are based
on familial status, race, national origin, sex, or disability. Usually these types of
discrimination appear in differential enforcement of rules, overly strict rules for children,
excessive occupancy standards, refusal to make a reasonable accommodation for
handicapped access, refusal to make necessary repairs, eviction notices, illegal entry,
rent increases, or harassment. These actions may be used as a way to force
undesirable tenants to move on their own without the landlord having to make an
eviction.
Chapter 5: Public Policies
111
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
2. Apartment Association of California
The California Apartment Association (CAA) is the country's largest statewide trade
association for rental property owners and managers. The CAA was incorporated in
1941 to serve rental property owners and managers throughout California. CAA
represents rental housing owners and professionals who manage more than 1.5 million
rental units. Under the umbrella agency, various apartment associations cover specific
geographic areas.
The California Apartment Association has developed the California Certified Residential
Manager (CCRM) program to provide a comprehensive series of courses geared towards
improving the approach, attitude and professional skills of on-site property managers
and other interested individuals. The CCRM program consists of 31.5 hours of training
that includes fair housing and ethics along with the following nine course topics:
. Preparing the Property for Market
· Professional Leasing Skills and the Application Process
. The Move-in Process, Rent Collection and Notices
. Resident Issues and Ending the Tenancy
. Professional Skills for Supervisors
. Maintenance Management: Maintaining a Property
. Liability and Risk Management: Protecting the Investment
. Fair Housing: It's the Law
. Ethics in Property Management
In order to be certified one must successfully score 75 percent or higher on the
comprehensive CCRM final exam.
The CAA supports the intent of all local, State, and federal fair housing laws for all
residents without regard to color, race, religion, sex, marital status, mental or physical
disability, age, familial status, sexual orientation, or national origin. Members of the
CAA agree to abide by the provisions of their Code for Equal Housing Opportunity.
3. Apartment Association Greater Inland Empire
The Apartment Association of the Greater Inland Empire is a membership organization
covering all most of the Inland Empire. The association provides members with the
following magazines and resources:
. AAGIE - "The Rental Owners and Managers Magazine"
. CAA - "Perspective"
. Articles on operating your property profitability
. Legal Q & A column
. Maintenance articles
. The latest legislative information - state and local
. Advertisements on upcoming seminars and workshops
. Listing of vendors who support the industry
Chapter 5: Fair Housing Practices
112
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Members of the Association are also provided with legislative updates, free operational
advice and guidance, credit checking services, access to forms online, a monthly legal
forum and educational classes and seminars. These classes and seminars cover
environmental training, fair housing information, maintenance classes and California
Certified Residential Manager (CCRM) Education Course (which is approved for DRE
continuing education credit).
The Apartment Association explained that, by law, on-site apartment managers, of their
own properties, are not required to have a real estate broker's license, nor are they
required to have any credential or training. If the property is managed by a property
management company, then at least one member of that company must have a real
estate broker's license. The State real estate broker's license test includes fair housing
questions, and the license renewal process every four years mandates a three-hour
course on fair housing.
4. The National Association of Residential Property Managers
(NARPM)
The National Association of Residential Property Managers promotes a high standard of
property management business ethics, professionalism and fair housing practices within
the residential property management field. NARPM is an association real estate
professionals who are experienced in dealing managing single-family and small
residential properties. Members of the association adhere to a strict Code of Ethics to
meet the needs of the community, which include the following duties:
. Protect the public from fraud, misrepresentation, and unethical practices of
property managers.
. Adhere to the Federal Fair Housing Stature.
. Protect the fiduciary relationship of the Client.
. Treat all Tenants professionally and ethically
. Manage the property in accordance with the safety and habitability standards of
the community.
. Hold all funds received in compliance with state law with full disclosure to the
Client.
In addition to promoting high standards of business ethics, professionalism and fair
housing practices, the Association also certifies its members in the standards and
practices of the residential property management industry and promotes continuing
professional education.
NARPM offers 3 designations to qualified property managers and property management
firms:
1. Residential Management Professional, RMP @
2. Master Property Manager, MPM @
Chapter 5: Public Policies
113
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
3. Certified Residential Management Company, CRMC '"
Various educational courses are offered as part of attaining these designations including
the following fair housing and landlord/tenant law courses:
· Advertising For Fair Housing/ADA (2 to 4 hrs)
. Fair Housing Issues of Property Managers (4 hrs)
. Fair Housing (3 to 6 hrs)
. Accommodations and Modifications (3 hrs)
· Property Management The Property Code (6 hrs)
. LandlordlTenant Laws
G. Fair Housing Services
In general, fair housing services include the investigation and resolution of housing
discrimination complaints, discrimination auditing and testing, and education and
outreach, including the dissemination of fair housing information such as written
material, workshops, and seminars. Landlord/tenant counseling is another fair housing
service that involves informing landlords and tenants of their rights and responsibilities
under fair housing law and other consumer protection legislations as well as mediating
disputes between tenants and landlords. This section reviews the fair housing services
available in the City of San Bernardino, the nature and extent of fair housing
complaints, and results of fair housing testing/audits.
1. Inland Fair Housing and Mediation Board
Inland Fair Housing and Mediation Board (IFHMB) is a fair housing agency that works to
combat discrimination in housing. IFHMB educates both tenants and landlords as to
their rights and responsibilities under fair housing laws. IFHMB provides the following
fair housing related services to the residents of San Bernardino:
. Fair Housing: Provides information, investigation, education, conciliation and/or
referral of housing discrimination complaints.
. Landlord-Tenant Mediation: Provides information and education to landlords and
tenants about their rights and responsibilities under the California Civil Code.
Staff members will also offer to mediate conflicts between tenants and
landlords. Housing mediation is a useful tool to promote resolutions to problems
and avoid needless litigation in the rental/housing industry.
. Pre-Litigation Mediation: Utilizes a neutral third-party mediator to offer clients a
less threatening and more flexible forum for residents and business dispute
resolution. Dispute resolution is available in many areas including commercial
and residential real estate, consumer-merchant, insurance coverage, housing,
creditor-debtor, civil litigation, partnership and franchising.
Chapter 5: Fair Housing Practices
114
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. Alternative Dispute Resolution: The California Dispute Resolution Act of 1986
provides the authority for mediation in the legal court system.
. Mobilehome Mediation: Specialized problem solving based on Mobile Home
Residency Law that reflects the dual ownership and unique lifestyle of the
Mobile Home community. In-park workshops are also available for education on
rights and responsibilities and understanding of the Mobile Home Residency Law
(MRL).
. Senior Services: Mediates conflicts between seniors and Social Security, Med-
Cal, utility companies, collection agencies, neighbors and other parties in
dispute. A Care Referral Service such as personal care, housekeeping,
transportation and shopping and home maintenance is available as well.
. Outreach: Engages in community meetings, high schools, colleges, English as a
Second Language (ESL) participants, Realtors and all other parties interested in
learning how to avoid housing discrimination and the corresponding rights and
responsibilities.
. Home Counseling Services: Provides first time homebuyer education, pre-
purchase counseling and reverse equity mortgage counseling.
2. Oepartment of Fair Employment and Housing
The California Department of Fair Employment and Housing (DFEH) investigates
complaints of employment and housing discrimination based on race, sex, religious
creed, color, national origin, medical condition (cured cancer only), ancestry, physical or
mental disability, marital status, or age (over 40 only). DFEH also investigates
complaints of housing discrimination based on the above classes, as well as
children/age, and sexual orientation.
DFEH established a program in May 2003 for mediating housing discrimination
complaints, which is a first for the State of California and is the largest fair housing
mediation program in the nation to be developed under HUD's Partnership Initiative
with state fair housing enforcement agencies. The program provides California's
tenants, landlords, and property owners and managers with a means of resolving
housing discrimination cases in a fair, confidential, and cost-effective manner.15 Key
features of the program are: 1) program is free of charge to the parties; and 2)
mediation takes place within the first 30 days of the filing of the complaint, often
avoiding the financial and emotional costs associated with a full DFEH investigation and
potential litigation.
The fair housing service providers work in partnership with HUD and DFEH. After a
person calls in for a complaint, an interview takes place, documentation is obtained and
issues are discussed to decide on the course to proceed. Mediation/conciliation is
offered as a viable alternative to litigation. If the mediation/conciliation is successful,
15 DFEH News Briel, Mav 29, 2003
Chapter 5: Public Policies
115
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
the case is closed after a brief case follow-up. If the mediation/conciliation is
unsuccessful, the case is then referred to DFEH or HUD. If during case development
further investigation is deemed necessary, testing may be performed. Once the
investigation is completed, the complainant is advised of the alternatives available in
proceeding with the complaint, which include: mediation/conciliation, administrative
filing with HUD or DFEH, referral for consideration to the Department of Justice, Civil
Rights Division, Housing and Civil Enforcement Section, or referral to a private attorney
for possible litigation.
H. Fair Housing Statistics
As part of the enforcement and tracking services provided by the above mentioned fair
housing service providers, intake and documentation of all complaints and inquiries
result in the compilation of statistics provided in the form of quarterly and annual
reports.
1. Inland Fair Housing and Mediation Board
The IFHMB tracks fair housing statistics for the City of San Bernardino. Table 59
shows the types of discrimination cases that were reported to IFHMB from Fiscal Year
2006 through 2010 (present). A total of 382 households and 1,007 persons filed
complaints. IFHMB also tracks discrimination based on religion and arbitrary
discrimination. However, there have been no complaints on these bases.
Landlord/tenant complaints reported to IFHMB are shown in Table 60.
Disability-based complaints were the most prevalent basis of discrimination in San
Bernardino. Race-based complaints were also high, followed by familial status and
national origin. The IFHMB also tracks discrimination complaints with more than one
basis. The most prevalent among these was race and disability and disability and age.
Again, disability is a common basis of discrimination in San Bernardino.
Chapter 5: Fair Housing Practices
116
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 59. BasIs of DisCrImination Complaints. FY 2006.2010 (Present)
Basis 2005/06 2006/07 2007/08 2008109 2009/10 Total Total
HH P HH P HH P HH P HH P Hhlds Persons
Race 28 85 21 64 16 40 13 36 9 27 87 252
Color 0 0 1 4 1 7 0 0 0 0 2 11
National OriQin 5 16 4 11 4 10 4 10 1 2 18 49
Familial Status 4 15 8 32 4 14 3 13 1 6 20 80
Disabilitv 36 67 46 103 29 52 39 111 33 79 183 412
Sex/Gender 7 27 1 2 0 0 2 5 1 2 11 36
Marital Status 0 0 2 7 0 0 1 2 0 0 3 9
Source of Income 0 0 3 8 5 21 1 2 1 2 10 33
AQe 7 9 3 6 2 7 1 4 2 6 15 32
Sexual Orientation 1 1 0 0 0 0 0 0 0 0 1 1
Race & Disabilitv 4 11 4 11 0 0 0 0 0 0 8 22
Race, Sex & Disabilitv 1 2 0 0 0 0 0 0 0 0 1 2
Race & Familial Status 0 0 1 8 0 0 0 0 0 0 1 8
Race & Color 0 0 1 2 0 0 0 0 0 0 1 2
Race & Sex 1 1 0 0 0 0 0 0 0 0 1 1
Race, Sex, National Origin
& Familial Status 1 3 0 0 0 0 0 0 0 0 1 3
Race & AQe 0 0 1 6 0 0 0 0 0 0 1 6
Race & Source of Income 0 0 1 1 0 0 0 0 0 0 1 1
National OriQin & Disabilitv 1 8 1 2 0 0 0 0 0 0 2 10
National Origin & Familial
Status 1 5. 1 2 0 0 0 0 0 0 2 7
Familial Status & Disabilitv 0 0 2 4 0 0 0 0 0 0 2 4
Disabilitv & Aoe 2 2 1 2 0 0 0 0 0 0 3 4
Sex & Familial Status 0 0 1 3 0 0 0 0 0 0 1 3
Sex & Marital Status 0 0 1 1 0 0 0 0 0 0 1 1
Marital Status & AQe 0 0 2 9 0 0 0 0 0 0 2 9
Marital Status & Sex 0 0 1 3 0 0 0 0 0 0 1 3
Disability & Source of
Income 0 0 1 1 0 0 0 0 0 0 1 1
Marital, Status, Disability &
Source of Income 0 0 1 3 0 0 0 0 0 0 1 3
Sex, Marital Status &
Familial Status 0 0 1 2 0 0 0 0 0 0 1 2
ReliQion 0 0 0 0 0 0 0 0 0 0 0 0
Other Arbitrarv Factor 0 0 0 0 0 0 0 0 0 0 0 0
Total Discrimination
Comolaints 99 252 110 297 61 151 64 183 48 124 382 1,007
Hhlds - Households
Source: Inland Fair HousinQ Mediation Board, FY 2008-2010
Chapter 5: Public Policies
117
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 60 Landlord/Tenant Complamts - FY 2006.2010 (Present)
2005/06 2006107 2007/08 2008/09 2009/10 Total Total
HH I P HH I P HH I P HH I P HH I P Hhlds Persons
Comolaints 799 I 2,524 814 I 2,659 562 11,847 740 I 2,475 536 11,879 3,451 11,384
Hhlds - Households
Source: Inland Fair HousinQ Mediation Board, FY 2006-2010
2. Department of Fair Employment and Housing
The mission of the Department of Fair Employment and Housing (DFEH) is to protect
Californians from employment, housing and public accommodation discrimination, and
hate violence. To achieve this mission, DFEH keeps track of and investigates
complaints of housing discrimination, as well as complaints in the areas of employment,
housing, public accommodations and hate violence. [Awaiting additional data]
3. U.S. Department of Housing and Urban Development
The U.S. Department of Housing and Urban Development (HUD) maintains a record of
all housing discrimination complaints for jurisdictions, including San Bernardino County
and the jurisdictions that make up the County including the City of San Bernardino.
These grievances can be filed on the basis of race, color, national origin, sex, disability,
religion, familial status and retaliation. From January 2004 to December of 2009, 320
fair housing cases were closed by HUD and FHAP (Fair Housing Assistance Program) in
San Bernardino County, 66 of these were in the City of San Bernardino.
In the City of San Bernardino, race and disability based cases were the most common.
Together, they account for 83 percent of all closed cases in the City from 2004 to
2009 (Table 61). Race and disability are also the most common basis for a case in
most neighboring jurisdictions as well as the County as a whole. Familial status and
national origin more common in San Bernardino than other jurisdictions, with the
exception of Ontario's large number of national origin based cases.
Table 61: BasIs of DlsCrlmrnation of Cases filed with HUD - 2004-2009
Basis of Complaints Race Color National Sex Disability Religion Familial Retaliation
Orillin Status
San Bernardino 31 2 11 6 24 0 10 5
Chino 4 0 4 2 10 0 2 0
Hesoeria 3 1 1 1 6 0 1 1
Fontana 18 1 5 1 6 0 5 2
Ontario 7 0 26 6 14 0 3 12
Loma Linda 4 0 1 1 3 2 2 0
Rancho Cucamonoa 13 0 4 0 12 0 2 1
Uoland 9 0 2 1 3 0 7 2
Victorville 15 0 0 0 5 0 1 3
Countv 150 4 74 26 116 8 50 36
Note: A case may haye multiple bases therefore the number of complaints opened are difficu~ to determine.
Source: Deoartment of Housina and Urban Deyelooment (HUm, 2010
Chapter 5: Fair Housing Practices
118
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table 62 shows the way in which cases were closed throughout San Bernardino
County. In the County overall, most cases (62 percent) were closed with no cause
found. However, over $185,000 was paid in compensation for other cases that were
resolved and closed. The City of San Bernardino followed the same pattern with most
cases (58 percent) being closed with no cause. Slightly more than one third (36
percent) of the cases were conciliated or resolved with $28,623 being paid out in
compensation.
Table 62. Closin!j Cate!jories for Fair Housln!j Cases Filed with HUD (2004-2009)
Referred Compensation Total
Closing Admin Conciliated No Cause and Closed for Conciliation Cases
Category Closure or Resolved Cause by DOJ or Resolution Closed
(amount)
San Bernardino 4 24 38 0 0 $28,623 66
Chino 2 4 10 0 0 $20,750 16
Hesoeria 0 2 7 0 0 $1,500 9
Fontana 4 6 17 3 0 $47,050 30
Ontario 6 13 20 9 0 $47,706 48
Loma Linda 2 3 5 0 0 $3.341 10
Rancho 4 12 12 0 0 $7,940 28
CucamonQa
Upland 2 7 10 1 0 $4,625 20
Victorville 2 7 12 0 0 $6,959 21
Countv 44 100 197 14 0 $185,749 320
Source: Department of Housina and Urban Deyelooment HUm. Aocessed Februarv 2010.
I. Testing
As part of IFHMB's service contract with the City of San Bernardino, testing is
conducted on an ongoing basis. IFHMB conducts complaint based testing as well as
audit testing. Audit testing is conducted based on advertisements IFHMB finds, when
they are advised of a practice, or when an owner is not being compliant.
From January 2009 to December 2009, IFHMB conducted testing in the City of San
Bernardino eight times. Out of the eight, four tests were based on familial status, three
on race and one was based on disability. Only three, (one regarding race and two
regarding familial status) were closed being deemed as having no cause. The remaining
five of the tests are still active and under investigation.
J. Hate Crimes
Hate crimes are crimes that are committed because of a bias against race, religion,
disability, ethnicity, or sexual orientation. In an attempt to determine the scope and
nature of hate crimes, the Federal Bureau of Investigation's (FBI) Uniform Crime
Reporting Program collects statistics on these incidents.
Chapter 5: Public Policies
119
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
To a certain degree, hate crimes are an indicator of the environmental context of
discrimination. These crimes should be reported to the police or sheriff's department.
On the other hand, a hate incident is an action or behavior that is motivated by hate
but is protected by the First Amendment right to freedom of expression. Examples of
hate incidents can include name calling, epithets, distribution of hate material in public
places, and the display of offensive hate-motivated material on one's property. The
freedom guaranteed by the U.S. Constitution, such as the freedom of speech, allows
hateful rhetoric as long as it does not interfere with the civil rights of others. Only
when these incidents escalate can they be considered an actual crime.
In the City of San Bernardino nine hate crimes were reported in 2008. While this is the
highest number of hate crimes reported in a San Bernardino jurisdiction, the City of San
Bernardino is the largest city in the County. Race and sexual orientation motivated
hate crimes were the most prevalent in the City as well as other reporting jurisdictions.
Disability was not a motivation for reported hate crimes and, overall, there was an
equal number of religiously motivated hate crimes as ethnically motivated hate crimes.
Table 63 Hate Crimes - 2008
Basis of Race Religion Sexual Ethnicity Disability Total
Comolaints Orientation
San Bernardino 4 1 4 0 0 9
Fontana 1 0 0 0 0 1
Ontario 5 1 0 0 0 6
Uoland 1 0 0 0 0 1
Chino 1 1 2 0 0 4
Hesoeria 0 0 0 2 0 2
Rialto 0 0 0 1 0 1
Redlands 2 2 1 1 0 4
Montclair 0 0 0 1 0 1
San Bernardino 14 5 7 5 0 31
Countv (T otall Note: The numbers aboye are based on the reporting of hate crimes by local agencies. Not all jurisdictions in San Bernardino County
reported statistics. The San Bernardino County (Total) figures represent the sum of all cities in San Bernardino County that did report
hate crime statistics in 2008.
Source: U.S. Department of Justice Federal Bureau of Inyestiaation, 2008.
K. NIMBYism
Many people agree that a variety of housing should be available for people with special
needs, such as homeless shelters, affordable housing, and group homes for people with
disabilities. However, whether or not these types of housing should be located within
their own community is another matter.
The Not-in-My-Back-Yard sentiment (NIMBYism) can serve as the most significant
constraint to the development of affordable or even market-rate multi-family housing.
NIMBYism describes opposition by residents and public officials alike to additional or
different kinds of housing units in their neighborhoods and communities. The NIMBY
syndrome often is widespread, deeply ingrained, easily translatable into political
Chapter 5: Fair Housing Practices
120
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
actions, and intentionally exclusionary and growth inhibiting. NIMBY sentiment can
reflect concerns about property values, service levels, community ambience, the
environment, or public health and safety. It can also reflect racial or ethnic prejudice
masquerading under the guise of a legitimate concern. NIMBYism can manifest itself as
opposition to specific types of housing, as general opposition to changes in the
community, or as opposition to any and all development.
Community opposition to high-density housing, affordable housing, and housing for
persons with special needs (disabilities and homeless) is directly linked to the lack of
such housing options for residents in need. In particular, community opposition is
typically strongest against high-density affordable housing and group homes for
persons with mental disabilities.
Community residents who are especially concerned about the influx of members of
racial and ethnic minority groups sometimes justify their objections on the basis of
supposedly objective impacts like lowered property values and increased service costs.
Racial and ethnic prejudice often is one root of NIMBYism, although NIMBY concerns
still exist where racial or ethnic differences are not involved. The California legislature
has passed various anti-NIMBYism housing bills to prevent communities from rejecting
affordable housing projects, including:
. SB 1721 - The bill stipulates that a local agency shall not disapprove an
affordable housing development project, including agricultural worker housing, or
condition approval, including through the use of design review standards, in a
manner that renders the project infeasible for development for the use of very
low, low or moderate income households.
. SB 2 - Expands the Housing Accountability Act, to prohibit localities from
denying a proposal to build an emergency shelter, transitional housing or
supportive housing if it is needed and otherwise consistent with the locality's
zoning and development standards.
Chapter 5: Public Policies
121
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 6
Progress Since 2006
This chapter summarizes and compares key findings of the previous AI document
completed in 2006 in order to evaluate the progress toward addressing impediments to
fair housing choice.
A. Expanding Affordable Housing Opportunities
Potential Impediments
Compared to other neighboring communities, San Bernardino had the third lowest
median home price at $247,500 in 2006. However, given the median income of San
Bernardino households was $31,140, or just 74 percent of the countywide median
income $42,068, homeownership is beyond the reach of most extremely low, low and
moderate income households. Approximately 55 percent of all households in San
Bernardino are low and moderate income households earning less than 80 percent of
the Median Family Income (MFI).
When housing costs are too high compared to income, many households would
experience housing problems such as overcrowding and cost burden. As is the case in
most Southern California communities, many households are affected by housing cost
burden and overcrowding. The incidence of overcrowding in the City (21 percent of
households) was much higher than countywide average (15 percent) in 2000. A larger
proportion of renter-households (28 percent) experienced overcrowding compared to
owner-households (16 percent). Approximately 38 percent of all households in San
Bernardino experienced housing cost burden (paying more than 30 percent of gross
income on housing costs).
Housing affordability alone is not necessarily a fair housing issue. However, when
housing affordability issues interact with other factors covered under the fair housing
laws, such as household type, composition and race/ethnicity, fair housing concerns
may arise. Moreover, with increasingly limited affordability housing opportunities,
some homeowners may be disproportionately impacted.
Recommended Action 1: The City will continue to provide homeownership
opportunities in the community by promoting the First-Time Homebuyer Program. The
City will focus outreach efforts towards lower-income households, particularly to
Hispanic and Black households since they have more difficulty obtaining financing.
Specifically, the City will provide advertisements and workshops in both Spanish and
English to inform residents about this program
Chapter 6: Progress Since 2006
123
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Efforts since 2006: The City has provides information about its Homebuyer
Assistance Program via the Economic Development Agency website. This
information is not available online in Spanish.
Recommended Action 2: The City will continue to facilitate the development of housing
for all income groups within the community. As identified in the 2000-2005 Housing
Element, San Bernardino's Regional Housing Need Assessment (RHNA) for the 1998-
2005 planning period is to provide for 1,148 housing units for very low income
households, 676 units for low income households and 734 units for moderate income
households. To meet this need, the City will focus on facilitating affordable housing
development through a combination of financial and regulatory assistance. Specifically,
the City will work to provide affordable housing throughout the community, avoiding an
over impaction of specific neighborhoods.
Efforts since 2006: San Bernardino has facilitated the development of 228
affordable housing units for low income senior from 2006 to 2009. This is in
addition to 561 market rate units and 128 units of student housing. The City
has also approved the development of three income restricted senior housing
developments that will provide a total of 245 units, as well as an 80 bed
emergency shelter, 120 units of student housing and 60 units of faculty
housing.
B. Rehabilitation Assistance
Potential Impediments
Primarily due to their lower-income levels, Hispanic households tend to reside in older
residential neighborhoods within the City. Overcrowding, housing cost burden and
substandard living conditions impact Hispanic households more than other ethnic
groups in the City.
Recommended Action 3: The City will continue to provide rehabilitation assistance for
owner-occupied and investor-owned single-family housing in the community. Existing
programs include the Mobile Home Repair Grant, Elderly/Special Needs Minor Repair
Grant Program, Single-Family Beautification Grant Program and Neighborhood Initiative
Program, Home Improvement Deferred Loan and Beautification Grant. The City will
ensure that information about these programs be provided in the City's brochures,
advertisements and website in both English and Spanish.
In addition, the City may consider assisting with the acquisition/rehabilitation of rental
housing. The City will also continue its Code Enforcement efforts to improve the
conditions of the rental housing stock.
Efforts since 2006: Information about the Mobile Home Grant Repair Program
and the Elderly/Special Needs Minor Repair Grant Program is available online via
the Economic Development Agency's website; however information is not
available in Spanish. The Exterior Beautification Program is currently on hold
due to a popular response to the program. No information is available online
Chapter 6: Progress Since 2006
124
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
about the Home Improvement Deferred Loan and Neighborhood Initiative
Program.
The current Draft Housing Element includes a program to acquire, rehabilitate
and rent neglected properties as lower income rental housing. The City's Code
Enforcement Division inspects existing structures and responds to public
complaints on code violations. The City's Single Family Rental Property
Inspection Program requires that all property owners and companies that lease
single-family home, duplexes or triplexes to be annually inspected by Code
Enforcement staff.
Recommended Action 4: The City will ensure that Spanish speaking staff is available to
assist residents in the City regarding code enforcement, housing rehabilitation and other
housing services.
Efforts since 2006: A total of ten code enforcement staff members, three office
clerks and seven code officers are bilingual in English and Spanish.
c. Public Policies
Development
and
Programs
Affecting
Housing
Potential Impediments
Service providers interviewed for this AI study indicated that there is a general
perception that housing options for persons with disabilities are limited and
development of alternative housing arrangements for persons with disabilities is often
met with opposition. Furthermore, the State of California has recently adopted a new
housing law (SB 520) that requires a local jurisdiction to assess its policies and
regulations for persons with disabilities. Local jurisdictions are encouraged by the State
Department of Housing and Community Development (HCD) to formalize the
procedures for reasonable accommodation requests.
Recommended Action 5: To expand housing opportunities for persons with disabilities,
the City may consider adopting formal reasonable accommodations policies and
procedures.
Efforts since 2006: The City of San
reasonable accommodations process.
includes a program (Program 3.4.1) to
Ordinance by June 2010.
Bernardino does not have a formal
The current Draft Housing Element
adopt a Reasonable Accommodation
Chapter 6: Progress Since 2006
125
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
D. Access to Financing
Potential Impediments
While conventional home financing is generally available to San Bernardino residents,
the majority of home purchase loan applications were filed by upper income
households. Lower income households filed fewer applications and had higher denial
rates and lower approval rates than upper income households. Black households had
higher home loan denial rates and lower approval rates than any other ethnic group in
the City. Furthermore, Hispanic and Black households had lower approval rates and
higher denial rates than White applicants.
Recommended Action 6: The City will work with local lenders to provide outreach to
lower income residents about government-backed financing. The City will encourage
local lenders to provide information in both English and Spanish.
Efforts since 2006: The City works with lenders that provide outreach to lower
income residents in securing government-backed home financing and provides
outreach in both English and Spanish.
Recommended Action 7: The City will encourage home buying and credit counseling
workshops to be held in San Bernardino. These workshops will be held in both English
and Spanish.
Efforts since 2006: The City of San Bernardino provides homeowner education
classes (Homebuyer Education Class, Financial Fitness Class and Home
Maintenance Classes) through Neighborhood Housing Services to residents in
both English and Spanish. Information about these classes is provided on the
City's Economic Development Agency website in both English and Spanish.
Recommended Action 8: The fair housing service provider will continue to monitor
complaints regarding unfair lending and assess lending patterns using the Home
Mortgage Disclosure Act Data (HMDA) and other data sources.
Efforts since 2006: IFHMB does not monitor complaints through HMDA but they
do use HMDA to determine basic lending patterns for particular banks. IFHMB
receives and addresses complaints without involving the City.
E. Fair Housing Services and Outreach
Potential Impediments
Black residents represented 52 percent of all beneficiaries of fair housing services
provided by the Inland Fair Housing and Mediation Board; whereas, Hispanic residents
represented 23 percent of all beneficiaries. Compared to their respective share of the
City population, these statistics may indicate that Blacks experienced a disproportionate
Chapter 6: Progress Since 2006
126
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
share of housing discrimination and problems while Hispanics may not be reporting
their problems.
The most frequent bases of fair housing complaints were related to race, disability and
familial status. The largest proportion of alleged acts of discrimination was related to
eviction and harassment.
Recommended Action 9: The City will encourage the fair housing service provider to
conduct fair housing workshops for residents, real estate professionals, apartment
owners and property managers. Efforts should be made to expand community
participation among single-family homeowners lenders property managers and real
estate agents.
Efforts since 2006: IFHMB conducts various types of fair housing workshops
throughout the year. They offer free fair housing workshops to the public in
May and October with an additional six to eight workshops scheduled
throughout the service area annually. They also conduct six housing industry
workshops annually, focusing on disability. Several fair housing workshops are
targeted to English as a Second Language (ESL) participants. IFHMB
collaborates with other agencies, such as Rolling Start and Head Start, to
conduct workshops for their clients regarding fair housing and landlord/tenant
issues as they relate to the disabled community. Fair housing workshops are
also conducted with city staff with an emphasis on accessibility in new multi-
family construction with attention to design requirements. The First Time
HOffiebuyer education classes offer a fair housing component and discuss
predatory lending issues. IFHMB makes efforts to expand community
participation in all their events.
Recommended Action 10: Expand efforts in distributing brochures and placement of
advertisements in order to inform the public of the fair housing law and their rights.
Provide links to fair housing and other housing resources on the City's website. Public
counters should also prominently display fair housing information.
Efforts since 2006: IFHMB distributes brochures and advertisements regarding
fair housing through email, direct mail, distribution at City Hall, libraries and
other public agencies as well as radio and television advertising, magazine and
newspaper articles, bulletin boards and billboard advertising.
Recommended Action 11: The City will continue to work with a qualified fair housing
service provider to ensure that an increased number of fair housing testing be
performed in the City. Testing should be conducted periodically.
Efforts since 2006: IFHMB conducts testing on an ongoing basis.
Approximately 50 tests are conducted each year on a variety of bases.
Chapter 6: Progress Since 2006
127
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Recommended Action 12: Target fair housing education and outreach materials to
segments of the population most affected by limited housing choice. This can include
the minority households (particularly Blacks and Hispanics), the disabled and families
with children.
Efforts since 2006: Fair housing education and outreach is targeted to minority
populations, persons with disabilities, and families with children. All outreach is
in English and Spanish, Radio and television advertising and public service
announcements are in both English and Spanish. Fair housing education is
conducted with the ESL community in both English and Spanish. Disabled
housing issues are addressed in fair housing education workshops to Rolling
Start clients and the housing industry with specific attention paid to reasonable
accommodation and modification issues. Fair housing education to the Head
Start Program focuses on information regarding families with children.
Chapter 6: Progress Since 2006
128
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Chapter 7
Impediments and Recommendations
The previous chapters evaluate the conditions in the public and private market that may
impede fair housing choice. This chapter builds upon the previous analysis, summarizes
conclusions and presents a list of recommendations to help address the impediments.
When identifying recommendations, this AI focuses on actions that are directly related
to fair housing issues and can be implemented within the resources and authority of the
City of San Bernardino. Existing State, local, and federal requirements, such as
Affirmative Marketing Plans, Relocation Plans, are not re-stated in this AI. General
recommendations, such as supporting the efforts of other agencies or enhancing
afford ability, are also not included.
A. Continued Impediments and Recommendations
The following is a list of impediments and key recommendations carried over from the
City's previous 2006 AI.
1. Expanding Affordable Housing Opportunities
Impediment A-'
The City provides homeownership opportunities in the community by promoting the
First-Time Homebuyer Program. However, outreach efforts are not targeted to lower
income households,
Recommendation A-': The City provides information about its Homebuyer
Assistance Program via the Economic Development Agency website. The City
will provide advertisements and workshops in both Spanish and English to
inform residents about this program and target lower income households
through advertising.
2. Rehabilitation Assistance
Impediment A-2: The City provides rehabilitation assistance for owner-occupied and
investor-owned single-family housing in the community. Existing programs include the
Mobile Home Repair Grant and Elderly/Special Needs Minor Repair Grant Program.
Recommendation A-2: Information about the Mobile Home Grant Repair
Program and the Elderly/Special Needs Minor Repair Grant Program is available
online via the Economic Development Agency's website; however information is
not available in Spanish. The City will ensure that information about these
programs be provided in the City's brochures, advertisements and website in
Chapter 7: Impediments and Recommendations
129
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
both English and Spanish. In addition, the City may consider assisting with the
acquisition/rehabilitation of rental housing.
3. Housing Discrimination
Impediment A-3: Discriminatory practices by some landlords continue in the City,
especially based on race, disability, familial status, and national origin. While race
discrimination has shown some improvement, discrimination against persons with
disabilities has increased.
Recommendation A-3: The City should continue its outreach efforts through
its fair housing service provider to educate landlords and tenants regarding fair
housing rights and responsibilities. Random audits should be conducted
periodically to identify problem properties and implement reconciliation efforts.
B. Updated or New Impediments and Recommendations
1. Fair Housing Services
Impediment B-': While housing information is available online at City website, limited
information on fair housing services and resources is provided.
Recommendation B-': The City should provide links to fair housing and other
housing resources with current information on its website. Fair housing
information should also be displayed prominently at the public counter.
Impediment B-2: San Bernardino had higher number of hate crimes than neighboring
jurisdictions, which can be explained in part because San Bernardino is much larger
than neighboring cities. A majority of hate crimes reported by the FBI in 2008 involved
race and ethnicity. Sexual orientation and religion were also noted as motivations for
hate crimes committed in the City.
Recommendation B-2: The City should continue all efforts at developing and
distributing public education and information materials on tolerance, focusing on
sexual orientation, race/ethnic relations and religion, The City should continue
to participate in and/or sponsor cultural events that celebrate diversity and
encourage reporting of hate crimes through the Police Department.
2. Public Policies and Program Affecting Housing Development
Impediment B-3: The City of San Bernardino has extensive needs for affordable
housing, While the lack of affordable housing is not a fair housing issue per se, it
disproportionately affects minority households (especially Hispanic households) in the
community. Expanding affordable housing opportunities in the City will directly expand
access of decent and adequate housing for minority households.
Chapter 7: Impediments and Recommendations
130
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Housing conditions issues, such as substandard housing conditions, overcrowding, and
lead-based paint hazards, also tend to impact minority households disproportionately.
Recommendation B-3: The City should continue to encourage the development
of affordable housing through: (1) development fee waivers/reductions; (2)
streamlined permit processing; (3) flexibility in applying design and development
standards; (4) density bonuses; (5) other general plan, administrative and zoning
efforts; and (6) public-private partnerships with developers of affordable
housing.
The City should continue to offer housing rehabilitation assistance to all
households and ensure affirmative marketing efforts are extended to minority
households to encourage participation in City programs.
Impediment 8-4: With budget constraints, sensitivity training was not provided
periodically to staff with direct interaction with the public. Currently, the City of San
Bernardino offers two cultural diversity training sessions each year that are open to all
staff members. Cultural Diversity training is currently not requires for any staff and the
City does not track which staff members attend the training sessions.
Recommendation B-4: The City should require that staff members in each
department, specifically those who interact with the public, attend cultural
diversity training periodically but at a minimum at time of employment.
Impediment B-5: A substantial income disparity also exists between owner- and renter-
households. Lower income households in are more likely to be renter-households than
owner-households. In general, housing discrimination issues are more prevalent in the
rental housing market since renters are more likely to be subject to conditions in the
housing market that are beyond their control.
Recommendation 8-5: Homeownership is particularly important as a vehicle for
providing decent housing for working families. In cooperation with lending
institutions, local associations of realtors and fair housing providers, the City
should provide outreach to inform lower income households of special local,
State and federal homebuyer assistance programs.
Impediment 8-6: Seniors over 65 years of age represent nearly nine percent of the
City's total population. Overall, these senior or elderly households may be less able to
make improvements to their housing, deal with challenging situations (such as
confronting the landlords or managers), or find affordable housing due to limited income
and disabilities. Seniors, particularly the frail elderly with disabilities, are vulnerable to
housing discrimination as they often have increased difficulty in finding housing
accommodations or face targeted evictions.
Recommendation B-6: The City should continue its efforts to expand the variety
of available housing types and sizes. In addition to persons with disabilities,
senior households can also benefit from a wider range of housing options. To
Chapter 7: Impediments and Recommendations
131
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
allow seniors to age in place, small one-story homes, townhomes or
condominiums may be needed.
The City should also consider modifying its housing rehabilitation programs to
make financial assistance for accessibility improvements available for renters, as
well as homeowners.
Impediment B-7: Large households are defined as those with five or more members.
Large households are a special needs group because the availability of adequately sized,
affordable housing units is often limited. Overall, 22 percent of the City's households
were large households and 74 percent of them had housing problems (compared with
50 percent of the all households). Housing problem include housing overpayment,
overcrowding and/or substandard housing conditions. Due to the limited availability of
affordable housing many small households double-up to save on housing costs and tend
to opt for renting. Finding affordable housing of adequate size may be a challenging
task for many households, particularly lower and moderate income renter-households,
however, large households also often face added discrimination in the housing market.
Landlords may discriminate against large families for fear of excessive wear and tear or
liability issues related to children.
Recommendation B-7: The City should continue its efforts to expand the variety
of available housing types and sizes. Rental housing units of adequate size for
large households should be encouraged as a large portion of the City's large
renter-households experience housing problems.
Impediment B-B: The City of San Bernardino does not currently have a formal
Reasonable Accommodations procedure in place but has a program to adopt one
according to the current Draft Housing Element (Program 3.4.11.
Recommendation B-8: The City will adopt a formal Reasonable Accommodations
ordinance by June 2010, in accordance with the Housing Element.
Impediment B-9: Physical disability is the greatest cited basis for discrimination,
according to the U.S. Department of Housing and Urban Development (HUD) and the
Department of Fair Housing and Employment (DFEH). Mentally ill tenants also face the
barrier of stigmatization and biases from landlords and managers.
Recommendation B-9: The City should consider incentivizing or requIring
universal design features in new construction or substantially rehabilitation of
housing, especially projects that receive financial assistance from the City. The
City should also consider modifying its housing rehabilitation programs to make
financial assistance for accessibility improvements available for renters, as well
as homeowners.
Chapter 7: Impediments and Recommendations
132
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
3. Lending Practices
Impediment B-l0: The HMDA data available does not provide information on which
loans were actually prime or sub-prime mortgage loan applications among conventional
home purchase loans. However, given the high foreclosure rate in the City, significant
use of sub-prime lending was likely the situation. Sub-prime lenders generally have
interest rates that are higher than those in the prime market. While sub-prime lending
cannot in and of itself be equated with predatory lending, studies have shown a high
incidence of predatory lending in the sub-prime market. Unlike the prime lending
market, overly high approval rates in the sub-prime market is a potential cause for
concern when the target clients are considered high-risk. Approval rates differed
significantly among the top lenders in San Bernardino, from three percent (HFC
Company, LLC) to 77 percent (Mountain West Financial).
Recommendation B-10: The City of San Bernardino should review the lending
patterns of all financial institutions that provide financial services to the City and
participate in City loan programs. Special attention should be directed to home
purchase lending in lower income and minority concentration areas.
In selecting financial institutions to participate in housing programs, the City
should consider the lender's performance history with regard to home loans in
low and moderate income areas and minority concentration areas, as well as the
lender's activity in other Community Reinvestment Act (CRA) activities such as
participation in affordable rental housing projects under programs such as bond
financing, tax credit, or the Federal Home Loan Bank Affordable Housing
Program.
The fair housing service provider should continue to monitor lending activities to
identify potential issues.
Impediment B-11: HMDA data reveals that the racial/ethnic makeup of applicants for
conventional home loans was not necessarily reflective of the racial/ethnic
demographics of San Bernardino. In 2008, 56 percent of San Bernardino residents
were of Hispanic origin. However, in 2008, Hispanics made up just 38 percent of all
applicants. By comparison, White residents made up 21 percent of the population in
2008 and 24 percent of the loan applicants.
Also, a difference in the approval rates for home purchase loans for White and non-
White households existed in 2008 (Table 36). Among low income households (those
earning 80 to 100 percent of MFI), Asians had the highest approval rates (63 percent)
while Blacks had the lowest (25 percent). Blacks in the high income category (those
earning 120 percent of MFI or more) also had noticeably lower approval rates (27
percent) than Whites (54 percent) and Asians (48 percent). Since it is assumed that
most households in this income category are financially capable of purchasing homes,
the discrepancy in home loan approval rates indicates a reason for concern.
Chapter 7: Impediments and Recommendations
133
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Recommendation 8-11: The City should expand outreach efforts to minority
households, especially Black households, to raise awareness of and education
about homeownership opportunities.
4. Oemographics
Impediment 8-12: Residential segregation refers to the degree to which groups live
separately from one another. The term segregation historically has been linked to the
forceful separation of racial groups. However, as more minorities move into suburban
areas and outside of traditional urban enclaves, segregation is becoming increasingly
self imposed. The dissimilarity index, presented in Table 6 represents the percentage of
one group that would have to move into a new neighborhood to achieve perfect
integration with another group. An index score can range in value from 0, indicating
complete integration, to 100, indicating complete segregation. In San Bernardino, The
dissimilarity index shows that a moderate level of segregation is present for the
Hispanic population as compared to Whites, indicating that the two groups tend to live
in different census tracts within the City. The dissimilarity index is lower for Asians and
Blacks when compared to Whites.
Recommendation 8-12: The City should continue to offer a range of housing
options to allow the greatest residential mobility among its residents. The City
should ensure developers and housing providers utilizing local, State, and federal
funds adhere to the Affirmative Fair Marketing Plan as required.
Impediment 8-13: A higher percentage of renter-households (48 percent) were affected
by cost burden than all households in the City (38 percent). While housing affordability
per se is not a fair housing issue, the lack of affordable housing can create a market
condition that offers financial incentives for housing discrimination, and makes
discrimination more likely to occur because of the large applicant pool.
Recommendation 8-13: The City should continue to promote economic
development and expand its housing stock to accommodate a range of housing
options and income levels.
Impediment 8-14: The City does not maintain a record of the race or ethnicity of
persons serving on commissions such as the Planning Commission, Youth Advisory
Commission, Parks and Recreation Commission, Historic Preservation Commission and
the Human Rights Commission. It is unclear whether or not these commissions
represent the community.
Recommendation B-14: The City should strive to achieve a diversity of
members serving on commissions that influence and guide city policies,
reflecting the race, ethnicity, and other socio-economic characteristics of the
City of San Bernardino.
Chapter 7: Impediments and Recommendations
134
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
5. Housing Market Conditions
Impediment B-15: Approximately 49 percent of the housing stock in San Bernardino is
over 30 years old (Table 191. indicating the possibility of needed repair and
rehabilitation for almost half of the City's housing stock. Home rehabilitation can be an
obstacle for senior homeowners with fixed incomes and mobility issues. Typically,
lead-based paint hazards also disproportionately impact minority households who tend
to be of lower incomes and reside in older housing units.
Recommendation B-15: San Bernardino should continue operating their housing
rehabilitation programs and increase efforts to promote the housing rehabilitation
programs.
The City should also consider modifying its housing rehabilitation programs to
make financial assistance for accessibility improvements available for renters, as
well as homeowners.
6. Public Policies
Impediment B-16: A Housing Element found by HCD to be in compliance with state law
is presumed to have adequately addressed its policy constraints. The City of San
Bernardino is currently in the process of updating its Housing Element.
Recommendation B-16: The City should pursue State certification of the
Housing Element.
Impediment B-17: Currently, the San Bernardino Development Code includes a
definition of "family" that constitutes a potential impediment to fair housing choice.
Recommendation B-17: The City should consider removing or amending the
definition of "family" in its Development Code.
Impediment B-18: Zoning ordinances should also avoid "pyramid or cumulative zoning"
(e.g. permitting lower-density single-family uses in zones intended for higher density
multi-family uses). Pyramid or cumulative zoning schemes could limit the amount of
lower-cost multiple-family residential uses in a community and be a potential
impediment to fair housing choice. San Bernardino has a form of pyramid zoning by
permitting single-family residential uses in multiple-family zones and by not establishing
a minimum density for any residential zone. Allowing or requiring a lower density use
in a zone that can accommodate higher density uses is regulated by State law. A local
government is required to make a finding that an action that results in a density
reduction, rezoning or downsizing is consistent with its Housing Element.
Recommendation B-18: The City of San Bernardino should consider amending its
Development Code to avoid "pyramid or cumulative zoning" by restricting the
development of new single-family residential units in land use designations
intended for multi-family uses.
Chapter 7: Impediments and Recommendations
135
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Impediment B-19: California law requires local jurisdictions to adopt ordinances that
establish the conditions under which second units are permitted. Second units cannot
be prohibited in residential zones unless a local jurisdiction establishes that such action
may limit housing opportunities in the region and finds that second units would
adversely affect the public health, safety, and welfare in residential zones. The State's
second unit law was amended in September 2002 to require use of a ministerial, rather
than discretionary, process for reviewing and approving second units.
San Bernardino requires a development permit for a second dwelling unit in any
residential zone. A development permit requires a hearing and therefore is not a
ministerial process. Because second dwelling units can be an important source of
suitable and affordable types of housing for seniors and persons with disabilities, overly
restrictive or conflicting provisions for these units can be considered an impediment to
fair housing choice.
Recommendation B-19: San Bernardino should remove the development permit
approval required for second units.
Impediment B-20: Pursuant to recent changes in State law (SB 2), requires that local
jurisdictions make provisions in the zoning code to permit emergency shelters by right
in at least one zoning district where adequate capacity is available to accommodate at
least one year-round shelter. Local jurisdictions may, however, establish standards to
regulate the development of emergency shelters. The San Bernardino Development
Code does not permit emergency shelters by right in at least one zone in accordance
with State law.
Recommendation B-20: The City will amend its Development Code per program
3.4.4 in its Draft Housing Element and create an Emergency Shelter Overlay
Zone in the IL zone where shelters serving up to 35 persons will be permitted by
right.
Impediment B-21: State law (AB 2634 and SB 2) requires local jurisdictions to address
the provisions for transitional and supportive housing. Pursuant to SB 2, transitional
and supportive housing constitutes a residential use and therefore local governments
cannot treat it differently from other types of residential uses (e.g., requiring a use
permit when other residential uses of similar function do not require a use permit). The
City of San Bernardino does not currently have provisions in place for transitional and
supportive housing.
Recommendation B-21: The City plans to amend its Development Code per
program 3.4.5 in its Draft Housing Element. The City will define and permit
transitional and supportive housing based on the unit type rather than the use.
Impediment B-22: The City conditionally permits senior citizen housing in the CO-1,
CO-2, CG-2, and CR-2 zones, whereas regular multi-family housing is permitted by right
in the CG-2 and CR-2 zones. Conversely, the City conditionally permits senior housing
in the CO-1 and CO-2 zones where regular multi-family housing is not permitted. By
Chapter 7: Impediments and Recommendations
136
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
differentiating senior versus family housing in the location and permitting process has
been identified by both HUD and the State Department of Housing and Community
Development as a potential impediment to fair housing choice.
Recommendation B-22: The City should amend its Development Code to permit
senior housing in the same manner as multi-family housing. While development
standards may be different, the allowable location and permit processes should
be consistent.
Impediment B-23: California Government Code Section 65915 provides that a local
government shall grant a density bonus of at least 20 percent (five percent for
condominiums) and an additional incentive, or financially equivalent incentive(s). to a
developer of affordable housing. The statute includes a sliding scale of bonuses
depending on the amount of affordable units developed. These bonuses reach a
maximum density bonus of 35 percent when a project provides either 11 percent Very
Low income units, 20 percent Low income units or 40 percent Moderate income units.
In addition to a density bonus developers may also be eligible for one or more
concessions or incentives. As of February 2010, the San Bernardino Development
Code does not comply with State law regarding density bonus provisions.
Recommendation B-23: The City of San Bernardino should consider amending
their density bonus provisions to comply with State law.
Chapter 7: Impediments and Recommendations
137
This page left intentionally blank.
Appendix A
Summary of Public Outreach
This page left intentionally blank. .
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
The City of San Bernardino 2010-2015 Analysis of Impediments to Fair Housing Choice
has been developed through a collaborative process involving participation by residents,
service providers, and City staff. In addition to analysis of available data sources and
review of existing reports and fair housing practices, the City sought public input on
fair housing issues through two main avenues:
A community meeting was held on January 21, 2010 in the Economic Development
Agency Board Room. Participants were introduced to the Analysis of Impediments to
Fair Housing Choice process and intent and asked to discuss fair housing concerns.
This meeting was held in conjunction with the community meeting to receive input on
community needs for the 2010-2015 Consolidated Plan. Invitations and flyers were
circulated to community groups and local service providers.
A community survey, which assessed fair housing discrimination experiences, was
distributed to residents and service providers. Surveys were made available at
community centers and public counters, located online, and distributed at the January
21, 2010 community meeting. The survey was integrated with a survey to assess
Community Needs for the 2010-2015 Consolidated Plan. Overall, 142 residents and
service providers responded to the Community Needs and Fair Housing Survey.
Community Meeting
The City of San Bernardino conducted a community meeting to gather information and
solicit input regarding community needs and fair housing concerns.
Community Meeting
Date: January 21, 2010
Time: 6:30 PM
Location: Economic Development Aaency, 201 North E Street, EDA Board Room
More than 15 residents and representatives of service provider agencies attended, in
addition to the five Community Development Citizens Advisory Committee members.
Service providers attending the Consolidated Plan community outreach meeting
included:
Appendix A: Summary of Public Outreach
A-1
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. Time for Change . A Servant's Heart Outreach
. Central City Lutheran Mission . St. John's Success Center
. Inland Fair Housing & Mediation Board . Apartment Association Greater Inland
. Project Life Impact Empire
. Universal Nursing Systems . OMNIP
Following are the notes from the meeting.
Priority Needs
. Senior housing
. Shelters
. Fair housing for post-incarcerated persons
o Questions regarding previous incarceration on applications for housing
limit access to public and affordable housing for post-incarcerated
persons
. Jobs creation and employment training are needed. Potential jobs could be
created out of CDBG projects, such as landscaping or minor construction
. Housing Rehabilitation is needed, especially for single-family homes
. Development of more multi-family housing and mixed-use/multi-purpose
buildings are desired
· Solutions to homelessness are needed; a transition from homelessness into a
permanent place is critical, including services available for the transition.
. Section 8 waitlist is. complex and long, limiting access for many needy
families.
. There is a general lack of accessible housing for disabled persons. The Inland
Fair Housing and Mediation Board noted that in previous times, the most
common fair housing complaint that they had was with regard to racial
discrimination. Today the most common fair housing complaint is with regard
to disability. There is a need for reasonable accommodations/modifications.
. Rental gap assistance to keep people in their homes (1 month) would help
people avoid homelessness
. Counseling for families in crisis, homeless services (including health care),
and services for youth are especially needed
o Need for after-school programs (interesting and active). These
programs can also provide needed jobs.
o Expand community centers to provide youth services
· Need for permanent homeless shelter, with counseling and services
connected to housing in a one-stop shop.
o Some existing housing opportunities:
. Veronica's House (transitional housing for 80 families)
. Mary's Table (example funded with HOME funds)
Appendix A: Summary of Public Outreach
A-2
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. Concerns regarding seniors and
high property taxes
. Need for mental health care and
housing
. Apartment Association - goal to
operate ethnically and
successfully offer
o Know fair housing law,
disability law fair housing
class
o Provides education forms
o Provides opportunities and
legal advice
. Foreclosures are a consistent problem in recent years.
o 90-day notice required by owner
o Renter is LAST to hear, and often doesn't know whom to pay
o Mediation is an option, cash for keys
o There are many absentee owners/landlords. The City uses NSP funds
to purchase abandoned homes, rehabilitate them, and sells them to
lower-income households.
. Nonprofit facilities are
experiencing budget shortfalls
and have a need for affordable
space to support their provision
of services.
. Need for community centers
o Expand or consolidated
youth/seniors
o High tech
o Adopt a grandparent
o Maybe move parks and
recreation
. Senior nutrition/services are a
continuing need.
. Need for nonprofit agency collaboration to offer consolidated services and
partnerships. These connections, in addition to working with parents, high
school students, families supports all their missions and gets more work
done.
. Homelessness is increasing as a result of foreclosures; approximately 5,000
foreclosures in the City since January 2008.
o 2,700 homeless San Bernardino students
o Emergency food need
. Overcrowding is a continuing issue.
. Facelift neighborhoods
. Jobs training
. Safe houses needed for victims of domestic violence
. HIV and Emergency Housing and Extended Care is needed
Appendix A: Summary of Public Outreach
A-3
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
o In coordination with connections/referrals from local hospitals
(streamline)
Appendix A: Summary of Public Outreach
A-4
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
City of San Bernardino
Housing, Community Needs, and Fair Housing
Workshop
Thursday January 21,2010
6:30 p.m.
The City of San Bernardino invites your putlcipatien in a workshop
to discuss community development, housing. iii fair housing iuues
The City of San Bernardino receives nearly $5.5 million annually from
the federal government for housing, community development, and
infrastructure projects. We need your input to help determine housing
and community needs in your community for future funding. In addition,
we invite you to discuss any fair housing concerns you may have. Fair
Housing means equal access to housing regardless of race, color,
national origin, ancestry, religion, sex, disability, familial status, marital
status, source of income, or sexual orientation.
This workshop will be held as part of the Community
Development Citizens Advisory Committee meeting held at:
City of San Bernardino
Economic Development Agency
201 North ESt.
EDA Board Room (Third Floor)
"if you require special arrangements, please contact
the Economic Development Agency at (909)663-1044
Appendix A: Summary of Public Outreach
A-5
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
SAN BERNARDINO COUNTY SUN
<4030 N GEOAOl,6, BLVD. SAN BERNARDINO, CA 820407
TIl!lItPhDne(809)889-ge6G If811 (909)885-1253
Lisa Connor/ShereeMeler
ECONOMIC DEVELOPMENT AGENCY-CI
201 NORTH E ST #301
SAN BERNARDINO, CA . 92401
PROOF OF PUBLICATION
(2015.5C.CPJ
St8la01 CelWOfn11 )
County of SAN BERNAflO1NO ) ss
NOlIal Type: GPNSB. GOVERNMENT PUBUC NOTtCE.sa
NJ De5Cflpllon: 5 rear Implomenlaton Pl8n MeetIng
lam II dlIlen of lheUnIled S1atosancllll1l5ldenl:olh 5lolecfCalllomlll;I am
over the llge of eighteen yoer-.lR1 not a party 10 or Inl1frtfttd In flfI above
enlIllecl n-.ner.I-"''''prrap.rclMolttwprlllterand pu~ollh.SAN
BERNARDINO COlINTY SUN, II "lW;~ p.tllIttMld In tie Ens.fllh lanpge
In fie cfty of SAN BERNARDINO, QClUntyol SAN aERNMDlNO. and adjLldged
.~orQlfw.ldreulllllon..dell,*,b)'''',,,"oI''8lalllol
Cafforn.. by.... ~Courl 01.,. ec.ny of SAN BERNAROlNO. Stale of
CaHIolnIl., under.1Ii OllI2Of1052,Cu.eNQ. 730&4. Thallheno1lce. oI1I'hlc1l
1h1.1VlUed.. II prHId C\OP'I. hal been putIIahed In Mdl ~ Met en6re
IMue 01 uld newspaper tnd no! W1lny lUpJlIemert --.of on tI\t toaa.r.w-.o
d8t...~
01/1112010,0111&'2010
ExeaMd en: 01118/2010
"'llo$~, c..oml.
I ceftly (or dllldllral und.- penally llf I*r)itythellhlllof"egolng Is vue and
_od.
dd~n. 'JQAtq
C\l~
Sign~llure
T..._......___
SBS,: 1173673
CITY OF IAN BERNARDINO
HO~~~~1f~=~NJ..~~:eDS.
TIlllnClav Tc:nvalY 21, Jtft
Till City of .~:aoI.rnanfl~lnYI'H
your PGrtlclJIQIIOfI In 0 wo I. tel
dIKU" cem~unl:r; 1.lYe PlIMIllt,
~T::~ '"J~~n -="=rtf~'reulvn
neoriy'su million ontI\IOlly from tile
fe4'1'tI1 oovemment fer housing,
~~~I dtvetoPmeIlt, and
Imroll ure projects, VN need yaur
IlWlut to Ip determine hoI.rIlno and
f:"~ =~~ ~~co;r.:~:
Invite YGU to dJswu any folr hOU"'1Ill
concernt YOU InDY IIove. Fair Hovllllll
means eQuol occns to hous/IIII
re=-rdlen of f'Ol2, color, natlor1al
gl"sab'hlty,ong,;.tflral s~~~on.mof"'r::J
:Y~~t~r~ ar Income, or Mltuol
r:sc:m~~~"911'I~en~
Advisory Commltt.. '"'"tlntl he d 01:
ClfyorSo.eUllClrdlno
Ealllom~~:!tf~m:r.' A.-ncy
EDA 1000nf Roo Ttllrd Floor)
.IIYOUreQul'..~orl'tl/'llM'mlrlts.
~r=I~DeveIOPment Ag,ncY at
m7.)fAt.\~
aBS-I77N7W
IIII~I ~ II! 1~llIllg 1IIImr ~~~m ~1I11111111111
. . 0 0 0 0 0 1 5 1 1 3 78.
Appendix A: Summary of Public Outreach
A-6
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Proof of
Publication
(201J5.5C.C.P.}q
STATBOF CAUFORNIA.
os
CountyolSanBemmtino...
IdedareU1Ulerpenaltyofperjwytlult:
11m. dtlzen oflhe United states and. reIld.ent 01 the County
ai_ill.: I am OW!' the.. ollipteen yun.. _ not. pm)' Ie nor
intlrelted in the IIbcwe entitled _Iter. I am the ~ derk oi
the printer oJ the El 0Il~ Community Ne\wpaper, . ~
prinlied .nd puJmhed weeldy in the Oty Gf s.n BerNl'dlno. County
ofSenBerrl8l'dlno and which ~ hili pttilkaled IbeSUpedor
Court of Ald COIQIty for determinal:1on IS II 1le\'IIflIlXI' cl pmeraI
dn:ulatlan befn, CIIIJC no. 154019; Uted MIY, 1,1972, that the Notice
of Appllallton b DretermlnaUon as . ~ of GeneQl
amdMlon md Petition for ~t1on as . Neonpaper 01 '
GenerlIl arculatlorl, of \vhich tM lflnaed ill . printed mpy. hu
bem. publllhed in each repl. and entire iaue of.-d ~
.nd notln any supplement theuol on the folJowinc dates, Io-\Yi.t: .
January 14. 21. 2010
I cedify under penalty of perjury that the Eoresolng 18 true .nd
""'""-
~."'''''''~
~
-
Dlllld:JltllIUIry21,20H)
EI Chicano Newspaper
P,O. Box 624:7
San Bernardino, CaIUornia 92412-6247
Phone (909) 381-9898 . 3M-0406 FAX
Appendix A: Summary of Public Outreach
A-7
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Community Survey
As part of the Analysis of Impediments to Fair Housing Choice, the City
conducted a fair housing survey. The survey consisted of questions designed
to gather information on a person's experience with fair housing issues and
perception of fair housing issues in his/her neighborhood. The survey was
available online and in hard copies in English and Spanish; copies of the
survey instrument are included in the following pages. Overall, 142 residents
and service providers responded to the Community Needs and Fair Housing
Survey.
A summary of the findings of the survey is included in the text of the
Analysis of Impediments to Fair Housing Choice. Specific comments provided
by respondents, such as further elaboration made when indicating "Other" in
the survey, are included below.
On what basis do you believe you were discriminated against? Other-please
specify.
. Other - I sought & obtained Federal Fair Housing intervention on behalf
of all 108 households - and won. Others have access to do the same.
Awareness elevation & empowerment are all we lack in S8. The tools
are already in place.
. Other - At the time, I had a child with medical needs.
. Other - Under 62 years old
. Other - Not on welfare I work my husband was out of work. We
needed help no one was to help because we make too much money.
. Other - ZIP code
What was your request for reasonable accommodation?
. My request was to please allow a medical delivery van have
availability to my front drive for medical supplies to be delivered for
my child.
. Appliance repair request
. Employment
. A ramp
. Safety, security
Appendix A: Summary of Public Outreach
A-8
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
What was the basis of the hate crime? Other-please specify.
. Other - Youth gangs
. Other - On the homeless
. Other - Graffiti
. Other - Ignorance
. Other - Do not know
. Other - Gang
Appendix A: Summary of Public Outreach
A-9
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
e
City of San Bernardino
Fair Housing Survey
Fair houaing ia a right protacted by Federal and State la_. Each resident is entitled to equal
access to houaing opportunities regard'" of race, color, religion, sex, national origin, dieabllity,
familial status. marital status, age, ancestry, sexual orientation, source of income, or any other
arbitrary reason.
The aty of San Bernardino is conducting an Analysis of Impediments to Fair Housing Choice. We want to
hear from you about your experience with fair housing issues and concerns.
Please fill in the following survey:
1. Have vou ever personally experienced discrimination in housing?
Yes No
2. YI.t1o do you believe disaiminated against YaJ?
_ a landlOl"d4>roperty manager _ a real estate agent
_ a mortgage lender _ City staff
3. Where did the ael of discrimination occur?
_ an apartment complex
_ a single-family neighbomood
_ a trailer or mobilehome park
_ a condollownhome complex
_ a public or subsidiZed housing project
_ when applying for aty progI!Ims
4. On what basis do you believe you were discriminated against? (check all that apply)
_ Race _ Coler _ Religion
_ National Origin _ Ances1ry _ Gender
_ Marital Staws _ Disability _ Age
_ Family st81US _ Source of Income _ Sexual Orientation
(e.g. singl~parent with dlHdren, (e.g. welfare, lIlemployment (elher you or someone close to you)
famHywith or expecting e child) insurance)
_ Other (please elaborate:
5. If you believe YaJ have been discriminated against, have YaJ reported the incident?
Yes No
If No - YI.t1y?
_ don't know where to report
_ don't believe it makes any difference
afraid of retaliation
too much trouble
6. Have you ever been denied "reasonable accommodation" (ftexibility) in rules. poliaes, or practices to
accommodate your disability?
Yes No
If Yes, what was your request?
Appendix A: Summary of Public Outreach
A-10
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
&
.
City of San Bernardino
Fair Housing Survey (Continued)
7. Has any hate ClIme been committed In ycur nelghbomood?
Yes No Dcnl Know
II Yes, what was the basis (check all that apply)
_ Race
_ National Origin
_ Marital Staws
_ Family Staws
_ other (please elaborate:
_ Color
_ Ancestry
Sexual Orientation
Source 01 Income
_ Religion
_ Gender
_Age
_ Disability
The City worl<s wilh the Inland Fair Housing and MedatJon 808m (IFHMB) 10 combat discrimination in
housing. The IFHMB provides educational, counseling and investigative sfHVices promoUng fIlir house
choices. If you feel you may have been discriminated against ,xeese contact them al (&00) 321-C911.
Foreclosure 18auea
Please answer the loIlowing:
8. II you own your home, are you at risk oIloreclosure or already In the foreclosure process?
_ Yes _No
9. II Yes, are you at risk 01 loredosure or In foreclosure due to (check all that apply):
_ Loss 01 incomeAmemployment
_ Monthly Payment IsllYiIIlncreese, we are unable to refinance home to a lower Interest rate
_ Monthly Payment isIIYllllncrease, we are unable to refinance home to a fixed rate loan
_ A large one-time payment, buill into the struc1Ure d the ma1gage end due on a specific date,
is required
_ Signllicanllnaeases in other housing costs (e.g. insurance, taxes, utilities, etc.)
_I owe more on the hOll\e thlrlllls worth so why shculd I keep paying the mortgage
10. II you have experienced a foredosure:
Are you pllrlning on relocating away from the Qty 01 San Bernardino?
Yes No
were you aware 01 assistance available to help you? (I.e. mortgage adjustments, etc.)
Yes No
IM>uld you consider homeownership again?
_ Yes No
IM>uld you rather have rented or owned a home, !jVen recent drct.lllstances?
_ Rented _Owned
Please rebJm surveys by January 30, 2008 to:
Economic Dewlopmenl Agency, :!lI1 NortII E Slreet, SURe 301, San Bernardino, CA 92401
For any questions aboullheoe surveys. conlacl: Usa ComOI' at (llO9) 863-1044 oratlcDl'lnor@sbrda.org
Appendix A: Summary of Public Outreach
A-11
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
e
Ciudad de San Bernardino
Encuesta de Vivienda Equitativa
La Vlvianda Equltatlva aa un daraeho amparadopor laslayaa fadaralaa y astatalea. Cada .....Idant.
ti.n. .1 d.raeho a la 19ualdad d. accaso a oportunldad.s d. vlvlanda, lndapendl.ntam.nt. d. au
ram. color, religi6n, sexo, origen nacional, diecapacidad, eetado familiar, etltado civil, edad,
sac.nd.neia, ori.ntael6n s.xual, fuent. d. ingraaoa, 0 eualquler otra razOn srbitrarla.
La Qudad de 5an Bemardino esta reelizando un Anlillsis de Impedimentos a la Elecci6n de VIYienda
Equltativa. La Cludad quiere saber de usted sabre sus experiendas e inquietudes con asuntos de viYienda
equitatlva.
Por favor Ilene la siguiente enOJesla:
1. i.Ha experimentado personalmente ef discrimen de Yivienda en la Ciuded de San Bernardino?
51 No
2. i.Qui81 cree que ha discriminado con1ra usted?
_ un duenotgerenle de propiedades _ agenle de bienes ralces
_ prestamista hipotecario Persooal de la eluded
3. i.En donde ocurriO el acto de discriminadOn?
coIonia de Yiviendas colonla de condaninios/fownhomes
""cindario de famillas IndiYiduales = proyecto de vlYienda pllbliea 0 subvencionada
= parque de caravlln/casas m6Yi1 _ al solicit... programas de la Ciuded
4. i.Que considera que haya sido la base de dicho discrimen? (marquetodas las que se apliean)
Raza Color
= Origen Nacional _ Ascendencia
Eslado CiYiI _ Discapacided
_ Estado Familiar _ Fuente de Ingresos
(p8dr$ unico con h1jos, femme oon (por ejemplo welfare, seguro de
hijos 0 que anticipetenertos) desempleo)
_ i.Otra rez6n? (descrfbaJa:
5. 5i aee que ha sido vlctima de discriminaci6n, i.ha reportado ef incidente?
51 _ No - Y si no i.por qua no 10 ha hecho?
_ no sabia donde repatario _ temor a represalias
_ no pensaba que tendrla sentido demasiadas molestias
_ Religi6n
5exo
Edad
Orientacl6n Sexual
(usted 0 elguien 08rceno 8 LISted)
6. i.A1guna vez ha sido denegado "ajustes rezonables' (flexlbilidad) en las nannas, politicas, 0
practicas para adaptarse a su discapacldad?
51 No
En caso que sl, i.CUlII fue su peticiOn?
Appendix A: Summary of Public Outreach
A-12
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
-
Ciudad de San Bernardino
Encuesta de Vivienda Equitativa(COntlnuaCi6n)
7. LHa habido delltos de odio en su vedndario?
51 No No 5&
En caso que sl, LOJal fue la razOn? (marque todas las ""e apliquen)
_ Raza _ Color
_Ortgen Nacional _Ascendencia
_ Estado Civil _ Orten1aciOn Sexual
_ Estado Familiar _ Fuente de Ingresos
_ Lotra razOn? (descrfbala :
_ReligiOn
_ Sexo
_ Edad
_ Discapacidad
La Ciudad trabaja con Ia Junta de Vfas de Vivienda Justa y Mediaci6n QFHMB) para luella, contra Ia
disctiminaci6n de opot/unidades de viviendas. La IFHMB plOvee' selVicios de informaci6n, educae/6n,
asesoramienlD e invesligaci6n que plOmueven /as elecciones de vlvienda equitaUva. Si sienta que puede
habe, sido vfctima de disctiminaci6n, par favor comunicase con IFHMB al (800) 321-0911.
Probelmaa de Juicio Hipotecario
Por favor conteste 10 sigulente:
8. Si usted es dueno/a de su case, Lest6 en rtesgo de ejecuciOn 0 ya en eI proceso de ejeOJciOn
hipotecaria?
_Si _No
8. En caso que 51, Lcu81 es la razOn por ester en rtesgo de ejecuciOn 0 en proceso de ejeaJciOn
hipotecaria? (marque lodas las que apliquen):
_ P&rdida de ingresos 0 desempleo
_ EI pago mensual estll 0 serll aumentada, y no puedo refinanciar el hogar para obtener un
tipo de interes mencr.
_ EI pago mensual estll 0 serll aumentada, y no puedo refinanciar eI hogar para obtener un
prestamo de tase fija.
_ La hipoteca requlere un gran pago Ilnico con fecha fija y especifica.
_ Aumentos grandes en 105 gastos de vivienda (par ejemplo, seguros, impueslos, servidos
pOblicos, etc.).
_ LPara qu& s1go pagando la hlpoteca sl debo mlls de 10 que vale eI hogar?
10. Si ha tenido una ejecuciOn hipotecarta:
LEsllI p1aneando un traslado fUera de la Oudad de san Bernardino?
51 No
i,Sabla usted que hay aslstencia dlsponlble para ayudarle? (ejustes de hlpoteca. etc.)
51 No
L Conslderarla de nuevo ser propietarto de case?
51 No
DBdas sus circunstancias recientes, Lprefetirla ser duel'lo de su casa 0 haber1a al""lIado?
_ A1quilado _Sar Dueno
Fawr de entregar est. encuesta a mils tard.. el30 de....-o 2009 en:
Agencia de Desarollo Econanico, 201 North E street, Suite 301, San Bemardino, CA 92<<11
Puede dirigir suo preguntaslcomenlarios sabre esta encuesta a: Lisa Coma' aJ (909) 663-1044 0 Iconnor@sllrda,org
Appendix A: Summary of Public Outreach
A-13
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Community Oeyelopment Citizens Adyisory Committee Meeting
The City of San Bernardino provided a draft of the AI to its Community
Development Citizens Advisory Committee Meeting for their review and solicited
comments, questions and feedback from the Committee.
Community Development Citizens Advisory Committee Meeting
Date; March 25, 2010
Time: 6;00 PM
Location: Economic Development Agency, 201 North E Street, EDA Board Room
The meeting began with a presentation of the City of San Bernardino Five Year
Consolidated Plan and Analysis of Impediments to Fair Housing Choice to the five
Committee members in attendance. This was followed by a question and answer
session between the Committee, City Staff and Veronica Tam and Associates. The
following two comments were received:
. Foreclosure on Section 8 property owners is becoming a problem.
Committee member is aware of Section 8 Voucher recipients who are being
evicted with little notice because the property owner is in foreclosure and
has not alerted the Voucher recipient,
. Would like to see a senior recreation and service center built in the City.
There is no space for seniors to have activities and services and San
Bernardino is an aging community in need of senior services.
Appendix A; Summary of Public Outreach
A-14
Appendix B
HMDA by Census Tract, 2003 and 2008
This page left intentionally blank.
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
. . .
Census Tract % MinorltV Income Leyel Total % Aooroved % Denied
0042,01 >80% Moderate 882 45,6% 24,0%
0042.02 >80% Low 711 45.0% 21,8%
0043,00 >80% Moderate 1,397 47,8% 20,0%
0044,01 50 - 80% Middle 697 50,2% 18,7%
0044,02 50 - 80% Moderate 1,082 49,0% 17,8%
0045,02 50 - 80% Middle 3,711 51,7% 15.4%
0045,03 20 - 50% Upper 644 60,7% 10,7%
0045,04 20 - 50% Upper 2,061 51,7% 12,7%
0046,01 50 - 80% Middle 1,652 48,4% 16,0%
0046,02 50 - 80% Middle 2,292 50.0% 17.4%
0047.00 >80% Moderate 643 46,5% 22,2%
0048,00 >80% Moderate 329 45,3% 26.4%
0050,00 >80% Moderate 274 47,5% 18,3%
0051,00 20 - 50% Middle 1,881 54,12% 13,0%
0052.00 50 - 80% Middle 983 50,0% 14,6%
0053.00 50 - 80% Moderate 1,125 50.8% 15.5%
0054,00 50 - 80% Moderate 880 47.6% 23,1%
0055,00 >80% Low 948 48,3% 19,2%
0056,00 >80% Low 841 48.9% 20.7%
0057,00 50 - 80% Moderate 167 40,1% 28,1%
0058,00 >80% Low 310 49,7% 22,9%
0059.00 >80% Low 62 45,2% 30,7%
0062.01 50 - 80% Middle 813 53.5% 16,9%
0062,02 50 - 80% Low 651 50.1% 15.7%
0063,01 50 - 80% Moderate 727 52,0% 17,3%
0064,01 >80% Low 100 45,0% 23,0%
0072.00 50 - 80% Moderate 1,051 48.5% 22.9%
0074.04 20 - 50% Upper 1,093 54,6% 12,0%
0074,07 50 - 80% Low 395 49.1% 20.0%
0075,00 50 - 80% Unci 5 60,0% 40,0%
County Total 28,467 50,3% 17,3%
Source: HMDA 2003,
Appendix B: HMDA by Census Tract
B-1
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
.. . I II .
Census Tract % MinoritY Income level Total % Aooroved % Denied
0042.01 >80% Moderate 331 29,6% 39,0%
0042,02 >80% Low 277 24,9% 47.7%
0043.00 >80% Moderate 398 34.4% 34.4%
0044.01 50 - 80% Moderate 194 34.5% 30.4%
0044,02 50 - 80% Moderate 304 37.5% 31.3%
0045,02 50 - 80% Middle 1,112 38,6% 26,8%
0045.03 20 - 50% ODDer 251 39.4% 27,5%
0045,04 20 - 50% UDoer 694 46,7% 25.4%
0046,01 50 - 80% Middle 451 34.8% 25,1%
0046.02 50 - 80% Middle 596 37.6% 30.7%
0047,00 >80% Moderate 228 29.4% 39.5%
0048.00 >80% Moderate 95 23,2% 43.2%
0050.00 >80% Moderate 114 35,1% 32.5%
0051.00 20 - 50% Middle 529 39,1% 28,5%
0052,00 50 - 80% Middle 253 34.4% 36,0%
0053.00 50 - 80% Moderate 351 35,0% 30,2%
0054,00 50 - 80% Moderate 263 28.1% 35.0%
0055.00 >80% Low 218 28.4 % 40.4%
0056.00 >80% Low 241 30,7% 33,6%
0057,00 50 - 80% Moderate 50 34.0% 30.0%
0058.00 >80% Low 95 20,0% 46,3%
0059,00 >80% Low 17 11.8% 58,8%
0062.01 50 - 80% Middle . 256 34.4% 30.1%
0062,02 50 - 80% Low 204 34.3% 27.0%
0063,01 50 - 80% Moderate 199 30,7% 30,2%
0064.01 >80% Low 59 33,9% 47,5%
0072.00 50 - 80% Moderate 276 36.6% 34,1%
0074.04 20 - 50% UDoer 258 38.4% 26,7%
0074,07 50 - 80% Low 93 35,5% 39,8%
Countv Total 8,407 35.5% 31.6%
Source: HMDA 2008.
Appendix B: HMDA by Census Tract
B-2
Appendix C
County HMDA Tables, 2003 and 2008
This page left intentionally blank.
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table C-1 DISpOS,'lol' of Con,entlonal Home Purchase Loan Applications by Race of Applicant (2003)
Total Approved Denied Withdrawn Loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Native
American 378 0.4% 208 55.0% 66 17,5% 45 11,9% 59 15,6%
Asian 6,469 6.8% 4,118 63.7% 717 11,1% 701 10,8% 933 14.4%
Black 4,991 5,3% 2,973 59.6% 883 17.7% 559 11,2% 576 11.5%
Hispanic 26,073 27.4% 16,008 61.4% 4,114 15.8% 2,612 10.0% 3,339 12,8%
White 29,627 31,2% 19,345 65,3% 2,970 10,0% 2,650 8,9% 4,662 15,7%
Joint 2,914 3,1% 1,880 64,5% 302 10.4% 331 11.4% 401 13,8%
Other 1,770 1.9% 1,124 63.5% 235 13.3% 235 13,3% 176 9.9%
Not Aoolicable 22,787 24.0% 7,863 34.5% 1,868 8.2% 1,941 8.5% 11,115 48.8%
Total 95,009 100.0% 53,519 56,3% 11,155 11,7% 9,074 9.6% 21,261 22.4%
Source: HMDA data, 2003.
Note: Applicants who filed joint applications can be of different racial backgrounds; however, HMDA data does not provide means of
identifying the racial backgrounds of joint aODlieations.
Table C-2 DIspOSition of Conventional Home Purchase Loan Applications by Race of A~211~a'lt
(2008)
Total Approyed Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Not Applicable 6,318 21.6% 1,531 24,2% 676 10,7% 546 8,6% 3,565 56.4%
Joint Hispanic 615 2.1% 358 58,2% 110 17.9% 63 10.2% 84 13.7%
and Non-
Hispanic
Hispanic 8,308 28.5% 3,954 47.6% 2,021 24.3% 1,186 14.3% 1,147 13,8%
Non Hispanic Groups
Native American 60 0,2% 23 38.3% 18 30,0% 8 13.3% 11 18.3%
Asian 3,087 10,6% 1,682 54,5% 445 14.4% 400 13,0% 560 18,1%
Black 777 2,7% 351 45,2% 195 25,1% 117 15,1% 114 14,7%
Pac. Island 155 0.5% 69 44.5% 50 32.3% 11 7.1% 25 16,1%
White 9,229 31,6% 5,399 58.5% 1,407 15,2% 1,057 11.5% 1,366 14.8%
2 or more 10 <0.1% 6 60,0% 4 40,0% 0 0,0% 0 0.0%
minorities
Joint 274 0.9% 166 60.6% 33 12,0% 25 9,1% 50 18.2%
Not Aoolicable 361 1.2% 200 55.4% 63 17,5% 61 16.9% 37 10,2%
Total 29,194 100.0% 13,739 47.1% 5.022 17.2% 3.474 11.9% 6,959 23.8%
Source: HMDA data, 2008.
Note: Applicants who filed joint applications can be of different racial backgrounds; however. HMDA data does not provide means of
identifvinD the racial baekorounds of ioint aDDlieations.
Appendix C: County HMDA Tables
C-1
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table C-3 DIsposition of Conventional Home Purchase Loan Applications by Income of Applicant
(2003)
Total Approved Denied Withdrawn or Loans
Income Closed Purchased
# % # % # % # % # %
<50% 2,165 2,3% 1,105 51,0% 546 25.2% 253 11,7% 261 12.1%
50% to < 9,284 9.8% 5,358 57,7% 1,631 17.6% 891 9.6% 1,404 15.1%
80%
80% to < 10,470 11,0% 6,432 61.4% 1,616 15.4% 950 9,1% 1,472 14.1%
100%
100% to < 12,187 12.8% 7,752 63.6% 1,561 12,8% 1,173 9.6% 1,701 14.0%
120%
> = 120% 47,505 50,0% 30,980 65.2% 5,297 11.2% 5,081 10.7% 6,147 12,9%
Not 13,398 14.1% 1,892 14,1% 504 3.8% 726 5.4% 10,276 76,7%
ayailable
Total 95,009 100.0% 53,519 56.3% 11,155 11.7% 9,074 9.6% 21,261 22.4%
Source: HMDA data, 2003.
Note: Applicants who filed joint applications can be of different racial backgrounds; however, HMDA data does not provide means of
identifvino the racial backarounds of ioint aoolications.
Table C-4 DISposition of Conventional Home Purchase Loan Applications by Income of Applicant
(2008)
Total Approyed Denied Withdrawn or Loans
Income Closed Purchased
# % # % # % # % # %
<50% 940 3,2% 414 44,0% 293 31,2% 90 9.6% 143 15,2%
50% to < 3,570 12.3% 1,900 53.2% 669 18.7% 401 11.2% 600 16.8%
80%
80% to < 3,279 11.3% 1,709 52.1% 596 18.2% 385 11.7% 589 18,0%
100%
100% to < 3,332 11.4% 1,674 50.2% 596 17.9% 427 12,8% 635 19.1%
120%
> = 120% 14,881 51,1% 7927 53.3% 2,744 18.4% 2,016 13,5% 2,194 14.7%
Not 3,132 10.8% 114 3.6% 101 3,2% 119 3.8% 2,798 89,3%
ayailable
Total 29,134 100.0% 13,738 47.2% 4,999 17.2% 3,438 11.8% 6,959 23.9%
Source: HMDA data, 2008.
Appendix C: County HMDA Tables
C-2
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table C-5 Percent of Conventional Home Purchase Loans by Race
Versus Sa~ Bernardino Pcpulatlon by Race
Race/Ethnicity % ofTotal %ofTotal
Aoolications Population
Hispanic 28,5% 39,2%
Not Aoolicable 21,6% -.
Joint Hisoanic and Non-Hisoanic 2,1% --
Not Hispanic Pooulations
Native American 0,2% 0,6%
Asian 10,2% 4,6%
Black 2.7% 8.8%
Pacffic Islander 0,5% 0.3%
White 31,6% 44,0%
Joint 0,96% --
Total 100,0%
Notes:" . indicates that there is no comparable Census category.
The "% of Total Population" category will not total 100% because the
cen~ and HMDA race categories are not identical.
The nsus includes an 'Other" and "Two or More Races. category.
Sources:
1. Bureau of the Census, 2000
2. HMDA data, 2008
Table C-6 Approval Rates of Conventional Home Purchase Loan Applications by
Race and Income of Applicant (2003)
Applicant Income Asian Black His[ anic White
(AMI%) Total % Total % Total % Total %
<50% 32 64,0% 51 46,8% 393 48,7% 448 55.9%
50% to < 80% 168 57,1% 290 54.4% 2,444 57,7% 1,668 59,8%
80% to < 100% 278 61,9% 401 60,5% 2,722 61,1% 1,949 62.5%
100% to < 120% 484 66.7% 486 60,3% 2,867 63.4% 2,418 65,5%
> = 120% 3,056 65.8% 1,653 61,3% 6,984 64.3% 12,202 68,1%
Not ayailable 100 32.9% 92 49.7% 598 50.4% 660 50,7%
Total 4,118 63.7% 2,973 59.6% 16,008 61.4% 19,345 65,3%
Source: HMDA data, 2003.
Table C-? Approval Rates of Conve1t'onal Home Purchase Loan Applications by Race anj Income
of Applicant (2008)
Applicant Income Asian Black His anic White
(AMI%) Total % Total % Total % Total %
<50% 25 39.1% 21 55,3% 150 41,7% 186 57,1%
50% to < 80% 177 57,8% 39 45.3% 777 53.0% 689 65.7%
80% to < 100% 169 58.9% 47 55,3% 712 54,3% 557 59.6%
100% to < 120% 195 60.9% 53 52,5% 598 49.7% 573 59.4%
> = 120% 1,095 58.7% 188 45.5% 1,695 49.3% 3,366 61,2%
Not ayailable 21 8,6% 3 5,6% 22 4,2% 28 6,1%
Total 1,682 54,5% 351 45.2% 3,954 47,6% 5,399 58,5%
Source: HMDA data, 2008.
Appendix C: County HMDA Tables
C-3
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table C-8 DIsposition of Conventional Home Improvement Loan Applications by
Race of Applicant - 2003
Total Approved Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Natiye 46 0.3% 21 45.7% 18 39.1% 7 15,2% 0 0.0%
American
Asian 318 2,2% 172 54.1% 108 34.0% 37 11.6% 1 0.3%
Black 686 4,6% 249 36.3% 332 48.4% 102 14,9% 3 0.4%
Hisoanic 2.540 17.2% 1.080 42.5% 1.121 44.1% 331 13.0% 8 0.3%
White 3.588 24.3% 1.923 53,6% 1.216 33,9% 435 12,1% 14 0.4%
Joint 419 3.4% 228 54.4% 139 33.2% 49 11,7% 3 0.7%
Other 197 1.6% 67 34,0% 95 48.2% 35 17.8% 0 0,0%
Not Aoolicable 4,437 36,3% 1.803 40.6% 1.546 34.8% 892 20,1% 196 4.4%
Total 12,231 100.0% 5,543 45.3% 4,575 37.4% 1,888 15.4% 225 1.8%
Source: HMDA data, 2003.
Note: Applicants who filed joint applications can be of different racial backgrounds; however. HMDA data does not provide means of
identifvino the racial backorounds of ioint applications.
~!
Table C-g DIspOSition of Conventional Home Improvement Loan Applications by Race of
Applicant - 2008
Total Approyed Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Not Aoolicable 2.065 25,7% 707 34,2% 776 37,6% 170 8,2% 412 20.0%
Joint Hispanic 232 2.9% 83 35.8% 105 45.3% 32 13.8% 12 5,2%
and Non-
Hispanic
Hispanic 2.295 28.6% 710 30.9% 1.163 50,7% 287 12.5% 135 5.9%
Not-Hispanic Groups
Natiye 50 0.6% 7 14.0% 34 68.0% 4 8.0% 5 10.0%
American
Asian 277 3.5% 95 34,3% 121 43,7% 38 13.7% 23 8,3%
Black 417 5,2% 104 24.9% 268 64.3% 38 9,1% 7 1.7%
Pac Islander 55 0.7% 10 18.2% 37 67,3% 8 14.5% 0 0.0%
White 2,491 31.0% 976 39.2% 980 39,3% 361 14.5% 174 7,0%
2 or More 11 0,1% 2 18,2% 6 54.5% 3 27,3% 0 0.0%
Minoritv
Joint 67 0,8% 23 34,3% 32 47,8% 9 13.4% 3 4.5%
Not Applicable 67 0.8% 23 34,3% 23 34,3% 19 28.4% 2 3.0%
Total 8,027 100.0% 2,740 34.1% 3,545 44.2% 969 12.1% 773 9.6%
Source: HMDA data, 2008.
Not~:~PPlicants who filed joint applications can be of different racial backgrounds; however, HMDA data does not provide means of
identi ina the racial backorounds of joint applications. .
Loan Type
Appendix C: County HMDA Tables
C-4
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
1 # I % I % I % I %
2003
Conyentional Home Purchase 95,009 56.3% 11.7% 9.6% 22.4%
FHA Home Purchase 14,635 42.7% 6.2% 7.7% 43,5%
2008
Conventional Home Purchase 1 29,134 1 47,2% I 17,2% 1 11.8% 1 23,9%
FHA Home Purchase 118,119 I 47.3% I 10,3% 1 8.9% 1 33.5%
Source: HMDA data. 2003 and 2008.
Table C.11 DIsposition of Conventional Home Mortgage Loan Applications by Lending
Institutions - 2003
Total Approyed Denied Withdrawn
or Closed
Lender Market
# Share # % # % # %
Countrywide Home 35,582 8.9% 13,116 36.9% 943 2,7% 2.568 7.2%
Loans
Washington Mutual 23.123 5,8% 11,424 49.4% 2.980 12,9% 800 3.5%
Bank, FA
Wells Fargo Home 17,763 4,5% 15.208 85,6% 1,422 8.01% 446 2.5%
Mortaaae
GMAC Mortgage 15,390 3.9% 7,342 47,7% 3,090 20.08% 3,156 20,5%
Corooration
Bank of America, N.A. 14,866 3.7% 9,393 63,2% 2,445 16.5% 873 5,9%
Ameriquest Mortgage 12,075 3.0% 1,465 12,1% 4,308 35.7% 6.302 52.2%
Company
Chase Manhattan 9.834 2.5% 5.035 51,2% 772 7.9% 481 4.9%
Mortaaae Coro
First Franklin 8,393 2,1% 7,286 86.8% 926 11.0% 176 2.1%
Financial Corn
Citimortllalle, Inc 8,049 2.0% 1,920 23,9% 208 2,6% 579 7,2%
Wells Farllo Fundinll 7,740 1,9% 134 1,7% 23 0.3% 3 <0,1%
Total (Market share of 152,815 38,3% 72.323 47,3% 17,117 11,2% 15,384 10.1%
Too Ten Lenders)
Total All Lenders 398.885 100,0% 212,406 53.2% 55,987 14,0% 51,560 12,9%
(Entire Market)
Source: HMDA data, 2003.
Note: Total Applications includes the following types of loans, which are not represented in the table nor in the other tables of HMDA
data: ourchased, oreaooroyal denied, preaooroyal aooroved not acceoted and missinolinyalid data.
Table C-12 DISpOSition of Conventional Home Mortgage Loan Applications by Lending
Institutions - 2008
Total Applications Approyed Denied Withdrawn
or Closed
Lender Market
# Share # % # % # %
Countrywide Home 15.264 13,1% 5,261 34.5% 2.555 16,7% 1,635 10.7%
Loans
Appendix C: County HMDA Tables
C-5
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
JPMorgan Chase Bank, 9,197 7.9% 1,668 18.1% 1,333 14.5% 235 2.6%
N.A.
Wells Fargo Bank, N.A. 7,093 6.1% 4,141 58.4% 1,670 23.5% 1,260 17.8%
Bank of America, N.A. 6,624 5,7% 3,642 55.0% 1,927 29,1% 645 9.7%
Citimortaaae, Inc 5,459 4.7% 841 15.4% 496 9,1% 648 11.9%
HFC COmDany LLC 4,922 4.2% 105 2.1% 4,237 86.1% 580 11.8%
GMAC Mortaaae LLC 4,548 3,9% 577 12,7% 986 21,7% 1,475 32.4%
Wachovia Mortgage 2,918 2.5% 764 26,2% 1,005 34,4% 454 15.6%
FSB
Wells Fargo Funding, 2,147 1.8% 24 1.1% 15 0.7% 6 0.3%
Inc
Mountain West 2,136 1.8% 1,671 78,2% 201 9.4% 264 12.4%
Financial, Inc
Total (Market Share of 60,308 51.8% 18,694 31.0% 14,425 23.9% 7,202 11.9%
TOD Ten Lenders)
Total All Lenders 116,404 100.0% 46,739 40.2% 30,759 26.4% 14,525 12.5%
(Entire Market)
Source: HMDA data, 2008.
Note: Total Applications includes the following types of loans, wl1ich are not represented in the table nor in the other tables of HMDA
data: purchased, preapproval denied, preaporoval approved not accepted and missinqlinvalid data.
Table C-13 Lender Ratings
Ratin Ratin Institution Year
Needs to 1m rove FDIC 1992
Outstandin OCC 2007
N/A N/A 2009
Outstandin OCC 2001
Outstandin OTS 2004
Outstandin OCC 1998
Outstandin FDIC 2005
Outstandin OTS 2005
Satisfacto OCC 2008
Outstandin OCC 2004
Search, htl :/1www.ffJec. ovlcraratin sldefault.as x. Accessed Februar 5. 2009.
Appendix C: County HMDA Tables
C-6
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table C-14 Percent of Loans Purchased by Type of Loan and Race of Applicant (2008)
Type of Loan loans Percent of Loans Purchased'
Purchased Asian Black Hisoanic White
Conyentional 6,959 18.1% 14,7% 13.8% 14,8%
Purchase
Conyentional 773 8.3% 1.7% 5.9% 7,0%
Imoroyement
Conyentional 8,887 11.8% 7.5% 8,9% 10,0%
Refinance
FHA Purchase 4,373 26.6% 24,8% 29,9% 30,5%
FHA 27 50,0% 16.7% 26,7% 18.6%
Imoroyement
FHA Refinance 545 4.7% 11.5% 12,8% 16.0%
'.Percentages may not equal 100 percent sin~\ iotalloans purchased also includes other race categories not displayed in table.
Source: Home MOIioaoe Disclosure Act IHMDA Data, 2008.
Table C-15 DIspOSition of Conventional Mortgage Refinancing Applications - 2003
RacefEthnicit Total Approved Denied Withdrawn or Loans
Closed Purchased
y # % # % # % # % # %
Hispanic 51,612 20.6% 30,166 58.4 9,038 17.5 6,884 13.3 5,524 10.7
% % % %
Not-Hisoanic Grouos
Natiye 986 0.4% 520 52.7 171 17.3 155 15.7 140 14.2
American % % % %
Asian 10,660 4.2% 6,979 65.5 1,309 12,3 1,093 10.3 1,279 12,0
% % % %
Black 10,821 4.3% 6,005 55,5 2,247 20.8 1,601 14.8 968 8.9%
% % %
White 85,684 34,1% 53,543 62.5 10,26 12.0 10,33 12.1 11,54 13.5
% 3 % 4 % 4 %
Joint 8,314 3.3% 5,463 65,7 990 11.9 923 11.1 938 11.3
% % % %
Other 8,186 3.3% 2,903 35,5 2,706 33.1 2,160 26.4 417 5,1%
% % %
Not 74,768 29,8% 28,561 38.2 10,94 14.6 13,17 17.6 22,08 29,5
Aoolicable % 0 % 8 % 9 %
Total 251,03 100.0 134,14 53.4 37,66 15.0 36,32 14.5 42,89 17.1
1 % 0 % 4 % 8 % 9 %
Source: HMDA data, 200J
Note: Applicants who filed joint applications can be of different racial backgrounds; however, HMDA data does not provide means at
identifvina the racial backnrounds of ioint aoolications.
Appendix C: County HMDA Tables
C-7
City of San Bernardino
Analysis of Impediments to Fair Housing Choice
Table C-16 DIsposition of Conventional Mortgage Refinancing Applications - 2008
Total Approyed Denied Withdrawn or Loans
Race/Ethnicity Closed Purchased
# % # % # % # % # %
Not 12,483 23.3% 3,276 26,2% 2,683 21.5% 1,456 11.7% 5,068 40.6%
Applicable
Joint Hispanic 1,471 2.7% 511 34,7% 661 44,9% 199 13,5% 100 6,8%
and Non-
Hispanic
Hispanic 15,208 28.4% 5,285 34.8% 6,574 43,2% 2,002 13,2% 1,347 8.9%
Not-Hispanic Groups
Native 161 0.3% 54 33.5% 80 49,7% 22 13.7% 5 3.1%
American
Asian 2,244 4,2% 889 39,6% 695 31.0% 396 17.6% 264 11.8%
Black 2,534 4.7% 663 26,2% 1,324 52,2% 358 14.1% 189 7.5%
Pacific 273 0.5% 90 33,0% 115 42.1% 45 16.5% 23 8.4%
Islander
White 17,866 33.4% 7,781 43,6% 5,691 31.9% 2,600 14.6% 1,794 10,0%
Joint 462 0.9% 185 40,0% 183 39.6% 63 13.6% 31 6,7%
2 or more 51 0.1% 4 7,8% 37 72.5% 9 17.6% 1 2.0%
minority
Not 744 1.4% 286 38.4% 257 34,5% 136 18.3% 65 8.7%
Applicable
Total 53,497 100.0% 19,024 35.6% 18,300 34.2% 7,286 13.6% 8,887 16.6%
Source: HMDA data, 2008.
Note: Applicanls who filed joint applications can be of differenl racial backgrounds; however. HMDA data does not provide means of
idenlifvi~a the racial backgrounds of ioinl aDOlicalions.
Appendix C: County HMDA Tables
C-8