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Leadership in Community Partnerships: Addressing Housing Quality of Minority Homeowners

Leadership in Community Partnerships: Addressing Housing Quality of Minority Homeowners. Advocacy in work with Land of Lincoln Legal Assistance Foundation and St. Clair County Intergovernmental Grants Department Lynne Dearborn, School of Architecture and ESLARP

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Leadership in Community Partnerships: Addressing Housing Quality of Minority Homeowners

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  1. Leadership in Community Partnerships: Addressing Housing Quality of Minority Homeowners Advocacy in work with Land of Lincoln Legal Assistance Foundation and St. Clair County Intergovernmental Grants Department Lynne Dearborn, School of Architecture and ESLARP University of Illinois at Urbana-Champaign,

  2. ESLARPEast St. Louis Action Research Project • Department of Recreation, • Sport and Tourism • College of Veterinary Medicine • School of Music • School of Art and Design • Department of Theater • College of Law • Pairienet Community Network • The Graduate School of Library • and Information Sciences • School of Education • School of Social Work

  3. Land of Lincoln Legal Assistance Foundation Teaching Research Service Teaching Research Service Teaching Research Service Teaching Research Service South End New Development Organization Emerson Park Development Corporation Alta Sita Neighbors Incorporated ESLARP and Community Partners NTAC (Neighborhood Technical Assistance Center) Staff in East St. Louis ESLARP Faculty, Staff, and Students On Campus Examples of 25 + Community Partners

  4. St. Clair County, Illinois

  5. St. Louis East St. Louis Mississippi River St. Clair County, Illinois

  6. Three Components of the Service-Research Project • Studying characteristics of residential • property foreclosure filings between 1996-2000 • Studying the processes employed by • abusive lenders in St. Clair County, Illinois • Documenting and assessing housing • conditions for victims of predatory lending

  7. 1. Studying Characteristics of Residential Properties with Foreclosure Filings 1996-2000 • Data collection • Analysis and mapping • Use of this project by community partners

  8. Comparing Census Block Groups

  9. Comparing Census Block Groups

  10. Identifying Suspect Loans – Seven Indicators Used to Identify Abusive/PredatoryLending 1. Single Premium Credit Insurance 2. Mandatory Arbitration Clauses 3. Prepayment Penalties 4. Balloon Payments 5. Excessive Interest Rate – Interest Rate Spread 6. Sales Price Difference – Indication of Property Flipping 7. High Loan-to-Value Ratios

  11. Comparing Census Block Groups

  12. Comparing Census Block Groups

  13. 2. Studying the Processes Employed by Abusive Lenders in St. Clair County • Understanding predatory behavior of lenders, brokers, real estate agents • Identifying complicit behaviors of appraisers, lawyers, and loan originators • Understanding pressures on victims • Investigating the dynamics of relationships within the process

  14. 3. Housing Quality Deficits for the Victims of Predatory Lending

  15. Findings from the Investigations of Housing Quality • Subsurface Conditions • Foundations • Water Infiltration • Plumbing and Waste • Missing or Broken Fixtures • Improper Waste Disposal • Electrical • Outdated Electrical Service • Substantial Exposed Wiring • Outdated Outlets and Fixtures • Enclosure and Roof • Siding Missing or Rotted • Insulation Missing or Inadequate • Mortar Deteriorating, Missing or Poorly Repaired • Roof Problems

  16. Findings from the Investigations of Housing Quality • Impacts on Quality of Life • High Air and Water Infiltration • Highly worn materials • Unusable Mechanical Equipment • Insect and Pest Infestation

  17. Findings from the Investigations of Housing Quality • Work Completed • Low Quality Workmanship • Roofing • Tuckpointing • Plumbing

  18. Our Service Contribution in St. Clair County • Evaluation Process • Thorough and Systematic Assessment of the Property • Generate a List of Construction Tasks • Generate a Construction Cost Estimate

  19. Our Service Contribution in St. Clair County • Results Used in Service to Community Partner • Analysis used as the basis of expert testimony in class action lawsuit to compensate victims by providing improved living conditions • Reasonable renovation costs will significantly improve basic housing quality and code compliance: Monetary compensation to complete the work is recommended. • Cost of renovation > Value of House after Renovation: Demolish is recommended • In the case of poor work completed – rework is required

  20. Conclusions • Abusive/Predatory Lending - a Critical Issue in St. Clair County • Study of the Many Facets of this Issue • Work with Multiple Community Partners, Fueling Greater Understanding Locally and Nationally • Results: • Improved Educational Efforts to Combat the Problem • Punishment for Perpetrators • Compensation for Victims • Opportunities for Improved Housing Quality

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