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Indio Foreclosure Program. Brad Ramos Chief of Police Jason Anderson Code Enforcement Officer Jesus Gomez Housing Programs Manager. The City of Indio. Elected City Council/City Manager Form of Government General Law City Population of 81,512 29 Square Miles

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indio foreclosure program

Indio Foreclosure Program

Brad Ramos

Chief of Police

Jason Anderson

Code Enforcement Officer

Jesus Gomez

Housing Programs Manager

the city of indio
The City of Indio
  • Elected City Council/City Manager Form of Government
  • General Law City
  • Population of 81,512
  • 29 Square Miles
  • California has a non-judicial foreclosure process
problems we face
Problems We Face
  • Not all foreclosures are the same.
    • Traditional home loans were a thing of the past
    • Home loans are sold between banks and sold as mortgage backed securities (bonds).
    • Banks are often just “servicers” for mortgage backed securities.
    • Increase in investment properties
    • 10,000 new homes were built between 2002-2007. (40% of housing stock)
  • Blighted vacant homes lead to an increase in crime. (Broken Window)
problems we faced
Problems We Faced
  • In January 2008, we had approximately 1,400 homes in foreclosure and pre-foreclosure (4% of housing stock).
  • In January 2009, we have approximately 2,800 homes in foreclosure and pre-foreclosure (8% of housing stock).
  • In January 2009, we have approximately 1,000 vacant foreclosures (36% of all foreclosures)
  • Banks are unwilling to maintain properties
solving this problem
Solving this Problem
  • Indio created a 3-prong solution
    • Created an ordinance that requires banks to register and maintain properties as soon as they become vacant
    • Utilize Code Enforcement to enforce this ordinance
    • Created a Housing Resource Center providing foreclosure-prevention services—keeping families in their homes
part 1 foreclosure ordinance
Part 1 – Foreclosure Ordinance
  • Ordinance requires banks to register all unoccupied properties with the police department.
  • Ordinance requires banks to fully maintain properties.
  • Ordinance requires banks to actively monitor and maintain all unoccupied properties.
part 2 enforcement
Part 2 - Enforcement

12 member Code Enforcement team

$1.5 Million dollar total Budget. About 6% of police budget

$41,000 in registrations fees have been collected.

$30,000 in fines have been issued.

Bank are beginning to pro-actively maintain properties

enforcement results
Enforcement Results
  • 500 foreclosures have been identified and have active cases.
  • 50% of all identified vacant homes are in compliance.
  • Realtors have become the key to property compliance.
  • Foreclosures are becoming less apparent as properties are being maintained.
part 3 foreclosure prevention
Part 3 – Foreclosure Prevention
  • Created a Housing Resource Center
  • Provide foreclosure-prevention counseling
  • Work with homeowners and banks to agree on alternatives to foreclosure
housing resource center hrc
Housing Resource Center (HRC)
  • Established in August 2008
  • City of Indio—First in the Coachella Valley to establish a City-sponsored Facility/Program
  • Overall Purpose: To prevent foreclosures and assist families to keep their homes
operations staffing
Operations/Staffing
  • Operated by:Inland Fair Housing and Mediation Board (IFHMB)

-IFHMB is a HUD-approved housing counseling agency

  • Staffed with: two (2) Housing Counselors
    • Completed HUD-certified training program
    • Prior real estate/housing experience
    • Bilingual (English/Spanish)
foreclosure prevention assistance
Foreclosure Prevention Assistance
  • Explain foreclosure process and alternatives

to homeowners

  • Facilitate discussions between homeowner and lenders/banks
  • Lenders recognize role of Housing Counselors
  • Alternatives to foreclosure include:
    • Loan Modifications (change terms)
    • Monthly partial repayment of delinquency
    • Suspend payment until homeowner is able to pay
level of assistance as of 1 9 09
Level of Assistance(as of 1/9/09)
  • Phone Calls: 467
  • Walk-ins: 218
  • Counseling Sessions: 140
  • Families who have remained in their homes: 139
if nothing was done
If nothing was done
  • We would have a 25% increase in the number of vacant homes.
  • Crime and blight would increase (Broken Window)
  • More families would be displaced from the community
conclusion
Conclusion
  • This program provides residents the opportunity and resources to help them stay in their homes.
  • The Foreclosure Ordinance provides the tools to hold lenders accountable for the conditions of their properties.
  • This Foreclosure Ordinance is only one tool used in the city’s comprehensive approach to code enforcement designed to reduce crime and blight.
recommendations
Recommendations
  • Develop a comprehensive municipal code enforcement program based out of your police agency.
  • Adopt a comprehensive abandoned property registration and maintenance ordinance.
  • Adopt a comprehensive Public Nuisance and Property Maintenance Ordinance.
  • Develop relationships with your local realtors, realty associations and property management companies and work with them to help solve these problems.
  • Conduct workshops and open resource centers focused on keeping people in their homes.
contact info
Contact Info

Brad Ramos

Indio Police Department

46800 Jackson St.

Indio, CA 92201

(760) 391-4035

[email protected]

Jason Anderson

Indio Police Department

46800 Jackson St.

Indio, CA 92201

(760) 391-4123

[email protected]

Jesus Gomez

City of Indio

100 Civic Center Mall

Indio, CA 92201

(760) 541-2460

[email protected]

slide19

Thank You!

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