MISSION: To increase the supply of decent affordable housing provided by nonprofit organizations to low and very low income families through coordination among nonprofits to enhance capabilities, expand funding opportunities, maximize training, and develop new partnerships.

Time (Min)					Agenda Item	
8:00-8:30		Networking between members and guests 	
8:30-8:35		Introduction of members/guests (Katie Porta)
8:35-8:40		Approval of minutes
8:40-9:10		Speakers -- Mike Daly (HUD)and Gary Lewis (Federal Reserve Bank of Atlanta)
9:10-9:30		Other Items:  

     County HAC Report 
     City of Orlando HAC Report
     Counseling Collaborative
   New Business:
     Review correspondence
Next membership meeting -- Wednesday, May 31, 2000 @ 8:30 am 
Adjourn	(TOTAL MEETING TIME -- 1 HOUR AND 5 MINUTES)

Future Meeting Schedule: No meeting in December.
For the year 2000, meetings are as follows: May 31, June 28, July 26, August 30, September 27, October 25, and November 29.

THE NONPROFIT HOUSING ROUNDTABLE OF CENTRAL FLORIDA - ACTION PLAN

Goal 1.	To educate the entire community on the role of the nonprofit sector as an important partner in the housing delivery process.
   a.	Communicate housing and nonprofit needs to local area government
   b.	Develop quantifiable goals for the Roundtable to allow for evaluation of this organization's effectiveness.
   c.	Invite guest speakers to speak monthly.  Pick out topic relevant to nonprofit housing providers (i.e. management,
development, underwriting) and have speaker make 30 minute presentation.

Goal 2.	To pool skills and resources of nonprofit housing producers and housing support agencies
   a.	To use the nonprofit Roundtable to gain organizational and functional strength to achieve our mission by
convening regular meetings to share information, and to plan and coordinate activities of the participating
nonprofits

   b.	To evaluate and prepare an annual plan that quantifies projects and funding needs of the participating nonprofits
and prepare joint funding support request to the various funding entities
   c.	To promote and support emerging nonprofit housing organizations.

Goal 3.	To pursue various partnership opportunities and linkages with for-profit developers and builders.
   a.	Strengthen relationships between nonprofits and private sector
   b.	To become active participants in the Homebuilder's association to cultivate support of for-profit developers and
builders and to seek out opportunities for joint-ventures, other business relationships and mentoring.

Goal 4.	To pursue activities that would increase the availability of low cost funds to nonprofits.
   a.	Subscribe to legislative, funding resource.  Monitor and report on upcoming funding programs.
   b.	Develop calendar of funding source with contact, deadline and summary information.

Goal 5.	To pursue activities that would encourage governments to provide grants and loans to nonprofits for technical assistance
and housing production.

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Nonprofit Housing Roundtable
Meeting Minutes from April 27, 2000 Meeting

Present: Barbara Morton, Mike Daly, Frantz Dutes, Adrienne deSouza, Stewart Forrester, Kathy Bryant, Katie Porta, Gloria Oliver, Rolando Cintron, Paul Whitwam, Linda Voyik, Rosanna Jacobsen, and Gary Lewis

Agenda Item 1 -- Approval of Minutes

Motion made by Barbara Morton and seconded by Frantz Dutes to approve the minutes. Approved unanimously.

Agenda Item 2 -- Mike Daly from the local HUD Community Builder Office

Mike was available to talk about the proposed Rule Number 65, Fed. Reg. 2632, March 9, 2000. Predatory lending. The following were some of the comments from his presentation:

• The proposed goals are a positive step toward increasing affordable housing efforts.
• Assess the relationship between the availability of prime loans and the growth of subprime lending in different geographic areas, including low-income and minority neighborhoods.
• HUD is suggesting that it may restrict goal credit for "high cost" mortgages to refrain the spread of predatory lending.

Mike also mad an announcement that the application for the 2000 nomination process for HUD Best Practices would be available after the meeting and he suggested that nominations be made prior to the May 31st deadline.

Agenda Item 3 -- Gary Lewis from Federal Reserve Bank of Atlanta

Gary was on-hand to give a presentation on the CRA regulation and examination procedures. The following were some of the comments from his presentation:

• Assessment is the most crucial part of the CRA regulatory process. Performance standards vary depending on the size of the financial institution and are based on the following for larger banks.
  • Number and amount of loan in the assessment area(s), proportion of loans, dispersion of lending in assessment area, number and amount of loans by geography classification (low-moderate-middle-and upper income)
  • Distribution based on borrower characteristic is based on the number and amount of home mortgage loans to low-moderate middle and upper-income individuals. Number and amount of small business and small farm loans by loan amount at origination and to small businesses and small farms with gross annual revenue of $1 million or less. Optional number and amount of consumer loans to low-moderate-middle and upper income individuals.
  • Community development loans, number and amount along with the complexity and innovativeness.
• Larger banks are subject to more stringent testing requirements.

Agenda Item 4 -- Miscellaneous Items

• Frantz Dutes was on-hand from Orange County and briefed the Roundtable about the proposed changes to Orange County SHIP requirements. Downpayment assistance is proposed to increase up to $10,000, based on need and location. Orange County will consider income up to 120 percent median income, allowing moderate income families to benefit from SHIP assistance.
• Gloria Oliver was on-hand from the Homebuyer Counseling Collaborative and briefed the Roundtable on the upcoming "Homebuyers Fair 2000! for First-time Homebuyers". The fair will coincide with National Homeownership week and is scheduled to take place on Saturday, June 10, 2000 from 10:00 am to 3:00 pm. Fairgoers will have the opportunity to sign up for future homebuyer workshops, to register for credit counseling in a more private setting, and to be pre-qualified for a mortgage.

  Free home-buying guides, Knowing and Understanding Your Credit, Opening the Door to A Home of Your Own, and Choosing a Mortgage That's Right for You, are available in multiple languages.

  Door prizes will be awarded to fair participants throughout the day.

  Booths are available for any for-profit or nonprofit organization wanting to participate in the event. The fair is open to residents of the City of Orlando, and the Counties of Lake, Osceola, Orange, Seminole and Volusia. Our goal is to educate and provide connections for Central Florida residents who are eager to share in the American dream -- home ownership. Any interested parties should contact Gloria Oliver at 407-872-7773.

This concludes the end of the minutes. The next meeting will be held Wednesday, June 28, 2000, at 8:30 am, at Orlando City Hall. Please note that there may be a change in the meeting room, so consult your agenda.

The Florida Housing Coaltion is an organization supporting affordable housing throughout the State. In addition to advocacy, the Coalition provides technical assistance to nonprofit housing developers. Stan Fitterman is an experienced affordable housing developer and is contracted by the Coalition to do technical assistance throughout the State. We are fortunate to have Mr. Fitterman on-hand to discuss the following:

• Technical assistance program and how it works
• Recent legislative changes in Tallahassee impacting affordable housing development
• Other services provided by the Coalition and how to access these
• Examples of best practices, which have been derived from Mr. Fitterman's travels

If you are not familiar with the Coalition, this will be a great meeting to understand how you can access this organization. If you are familiar with Stan and the Coalition, he will be providing new and updated information which will prove helpful