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Timestamp: 2017-04-25 15:35:19
Document Index: 197596667

Matched Legal Cases: ['art 35', 'art 35', 'art 5', 'art 5', 'art 24', 'art 92']

Massachusetts Department of Housing and Community Development (DHCD) & June, ppt download
Massachusetts Department of Housing and Community Development (DHCD) & June, 2010 1.
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Presentation on theme: "Massachusetts Department of Housing and Community Development (DHCD) & June, 2010 1."— Presentation transcript:
Massachusetts Department of Housing and Community Development (DHCD) & June, 2010 1
o Acquisition Only o New Construction o Acquisition and Rehabilitation o Rental Units That Are Part of FTHB Assistance & Production 2
o Purchaser-based (aka HOME ADDI) Downpayment and closing costs assistance o Project-based Construction or Rehab and sales to eligible buyers 3
o Single-Family Home o Two-to-Four Unit Property o Condominium o Manufactured Home 4
o Rental - Acquisition Only:  State/Local Code (also must follow applicable State & Federal Lead-Based Paint regulations)  Section 8 Housing Quality Standards (HQS)  Smoke Detectors and CO Detectors 5 STANDARDS
o FTHB Purchaser-Based (Acquisition Only) (HOME ADDI):  Same as rental acquisition only, and;  Home must be inspected by a representative of the administering agency and documentation of “pass” status must be retained in the files  Must meet property standards at time of closing  Agency must complete the Environmental Checklist for homebuyer assistance 6
For Both Rental Construction/Rehabilitation & Project-based FTHB: o New construction:  C of O  Applicable state and local code and HQS  Model Energy Code/Energy Star (new construction up to 3 stories-or as applicable to an eligible project; must be certified to Energy Star rating of 86%) NOTE: Some communities follow the Stretch Code! 7
o Rehabilitation:  Applicable state and local code  Written rehab standards  HUD Housing Quality Standards (HQS) Consider asthma-related needs STANDARDS 8
o Lead-Based Paint (24 CFR part 35)  Project commitments after 9/15/2000  Test disturbed surfaces  Risk assessments & interim controls ($5k+)  Abatement ($25k/unit+)  Lead must be addressed to meet the HUD federal regulations at 24 CFR Part 35 and the Massachusetts Lead Law whether or not children under six will reside at the property 9
New Info. on Lead-Based Paint On April 22, 2008, the EPA issued a rule requiring the use of lead-safe practices and other actions aimed at preventing lead poisoning. Under the rule, beginning in April 2010, contractors performing renovation, repair and painting projects that disturb lead-based paint in homes, child care facilities, and schools built before 1978 must be certified and must follow specific work practices to prevent lead contamination. http://www.hud.gov/offices/lead/training/rrp/ rrp.cfm 10
o Healthy Homes – Intervention in 4 areas that can be expected to help children:  Excess Moisture  Dust  Ventilation and Control of Toxins  Education 11
o Accessibility (Section 504 / ADA / MAAB, etc.) requirements apply o Accessibility applies to new construction and rehabilitation, as applicable to a particular project. An analysis of applicable accessibility codes should be done with each project. 12
o Multi-Family New Construction 5% of units (not <1); Accessible to individuals with mobility impairments. Additional 2% of units (not <1) accessible to individuals with sensory impairments o Multi-Family Substantial Rehabilitation Requirements trigger at 15 units and/or if cost of rehab is 75% or more of replacement cost It’s desirable to create accessibility even if Federal or State requirements don’t trigger physical accessibility o All programs must be accessible (It’s not just about the units!) o 504 requirements don't end with initial rent-up. 13
Before any project marketing begins: o Analyze the market and assess which groups are least likely to apply. o Develop a strategy to reach those least likely to apply. o For more information go to: http://www.mass.gov/DHCD (Click on DHCD Legal Resources) 14
o Efforts to attract those who may not normally apply  Create and follow a written AFHM/TSMP.  Maintain a waitlist.  Advertise in MassAccess for all units, including accessible units (newly updated and redesigned).  www.Massaccesshousingregistry.org  Use HUD Logos (EHO, etc.) in all advertising & rental materials.  Metro Boston- Use Metro List for all unit and waitlist marketing. (Phone# 617-635-3321 )  Advertise locally, as well as other parts of the state and use essential materials in other languages. 15
Lotteries: Part of your Tenant/Buyer Selection Plan  When, where, and how it will be conducted?  Who is eligible? 16
If community wants to implement local preference: Demonstrate need for the local preference in AFHM plan Demonstrate no disparate impact on protected classes May not exceed more than 70% of affordable units Local residency preferences must not be advertised Must meet DHCD’s lottery guidelines! Affirmative Marketing/ Fair Housing (cont.) 17
o Limited English Proficiency (LEP) On August 11, 2000, Executive Order 13166, titled "Improving Access to Services by Persons with Limited English Proficiency”, was issued. Final guidance was issued effective February 21, 2007. 18
o Executive Order 13166 requires that administrators of federal funding assess and address the needs of otherwise eligible persons seeking access to federally conducted programs and activities who, due to LEP cannot fully and equally participate in or benefit from those programs and activities. http://www.lep.gov/ISpeakCards2004.pdf http://www.lep.gov/interp_translation/trans_interpret. html http://www.lep.gov/interp_translation/trans_interpret. html http://www.hud.gov/offices/fheo/promotingfh/lep.cfm 19
 Whether and at what point the importance of the service, benefit, or activity involved warrants written translations of commonly used forms into frequently encountered languages other than English;  Whether the nature of the information sought warrants written translations of commonly used forms into frequently encountered languages other than English; 20
 Whether the number or proportion of LEP persons served warrants written translations of commonly used forms into frequently encountered languages other than English; and  Whether the demographics of the eligible population are specific to the situations for which the need for language services is being evaluated. In many cases, use of the "safe harbor" would mean provision of written language services when marketing to the eligible LEP population within the market area. However, when the actual population served (e.g., occupants of, or applicants to, the housing project) is used to determine the need for written translation services, written translations may not be necessary. 21
o Share language services between sites; o Train bilingual staff to act as interpreters; o Telephone and Video Conferencing interpreter services o Language line account thru AT&T: www.languageline.com o Tapes and Audio Files o Community volunteers (make formal agreements) 22
o Standardize documents to reduce translation needs o Translate an entire document o Translate a short description of the document o Provide a statement in various languages that says “If you don’t understand this document we will provide you oral translation at no cost to you” o Consider using a professional translator to proof/ensure accurate translation if bi-lingual staff is used to translate documents. 23
o Vital documents are those that are critical for ensuring meaningful access by applicants and households served, and LEP persons specifically. 24
Determine what documents and identify them in a Language Access Plan (LAP)  Notices of free language assistance  Applications  Written notices of rights, denial, loss or decreases in benefits or services (including recertification notices for rentals)  30-Day Notices (Rental)  Pre- & Post-purchase training materials (FTHB)  Outreach/marketing materials 25
Safe HARBOR for Written Translation Size of Language Group Recommended Provision of Written Language Assistance 1,000 or more in the eligible population in the market area or among current beneficiaries Translated vital documents More than 5% of the eligible population or beneficiaries and more than 50 in number Translated vital documents More than 5% of the eligible population or beneficiaries and 50 or less in number Translated written notice of right to receive free oral interpretation of documents. 5% or less of the eligible population or beneficiaries and less than 1,000 in number No written translation is required. 26
o Only units receiving HOME/HSF $ are subject to most HOME requirements; however, the entire property is subject to the property standards. o Number of HOME/HSF units are specified at project commitment  For properties with HOME/HSF and non-HOME/HSF units, units will be “fixed” or “floating” HOME/HSF units and will be designated as such in your loan documents.  Also, distribution of assisted units by bedroom size is in the loan documents 27
28 1 A = HAU 1 B 2 A 2 B = HAU 3 A = HAU3 B oAll units in this building are 2 bedroom units oFixed = 1A, 2B, 3A always HOME/HSF units oFloating = unit numbers change but always have 3 HOME/HSF units
o For DHCD HOME Units Only (HSF does not have a VLI requirement, per se, but often looks for lower targeting—Check your project’s written agreements!); o All assisted units reserved for households at or below 60% AMI at move-in and at no more that 80% AMI thereafter (LI), and; o If 5 or more assisted units: at least 20% of the HOME households must be at/below 50% AMI (VLI). 29
30 LI VLI LI
 Rent limits HSF does not have VLI requirement, per se, but a particular deal may have been structured with lower targeting VLI units: rent is 30% at 50% or FMR, whichever is lower  Project-based rental assistance exception LI units: rent is 30% at 65% or FMR, whichever is lower 31
All rents adjusted for tenant-paid utilities.  Use local PHA utility allowance schedule Rents adjusted annually by HUD and effective for HOME/HSF only on the date specified by the HUD HOME Program.  Link on the HUD HOME program homepage  DHCD eSource will notify you, as well. Have You Subscribed to DHCD ListServe? To subscribe send a blank email to: join-dhcd-housingdevelopment@listserv.state.ma.us 32
oOnly for project-based subsidies AND if both of the following conditions are true:  The household pays no more than 30% of adjusted income toward rent, and;  The unit is a VLI unit with the HH at/below 50% of AMI oThen the gross rent is the rent allowable under the project-based subsidy program 33
o If the household’s income goes above 50% AMI, the unit is no longer a “VLI” unit. Therefore, the collected rent cannot exceed the High HOME rent limit and the subsidy portion may need to be reduced. 34
o Tenant-based rental subsidies: o The maximum rent (total paid on unit) is no more than the “HOME rent” If you are counting the household as part of your VLI- required units, the rent cannot exceed the Low HOME rent limit. However, if you are able to count the unit within your High HOME units, the property can collect up to the High HOME rent limit. 35
o Typically, HSF is more flexible with project-based and tenant-based vouchers. o Look at the property’s Affordable Housing Restriction (AHR) to see what parameters were defined. 36
o To determine eligibility, HUD allows use of 1 of 3 income definitions (PJ determines which one): 24 CFR Part 5 (Section 8) is DHCD’s chosen definition for determining income o Others definitions: Adjusted gross income as defined for purposes of reporting under IRS Form 1040 Annual income as reported on Census long form 37
o An application that covers all areas: Size of unit requested Size of household (ages, student status) Signed and dated by applicant Household income from ALL sources  Any changes in income expected in next 12 months? Assets of all kinds for all household members  Any lump sum?  Any dispossession of assets in last 2 years? Remember to include all possible types of income/assets on application to avoid “surprises” (see hand-out) 38
o For an initial certification, a determination of income verification must be no more than 6 months old to be valid. IMPORTANT: Refer to Technical Guide for what kind of documentation is required & how much… REMEMBER, There may be HOME/HSF rental restrictions on any assisted rental units that are part of a HOME/HSF FTHB 2-4 family home. 39
o Wages/Public Assistance/Pension/Child Support, etc. 3 rd Party Verification is first choice, but compare to paystubs to assess consistency. Look forward! Source Doc (only if 3 rd party is not available)  Steady (salaried) employment: THREE CONSECUTIVE MONTHS  Less Steady (seasonal, hourly workers): ENTIRE 12 MONTHS Affidavits to prove lack of income, such as “no income”, “no child support”, etc.  Must include “under pains and penalties of perjury” and must be notarized or witnessed. 40
o Income from Assets $5,000 or less; verify amount of asset And use actual income from the asset Above $5,000; verify amount of the asset And use the larger of actual income from the assets or the imputed asset income (using area Passbook Rate which is currently 1%) o Disposition of Assets for less than Fair Market Value In essence, the household has voluntarily reduced its ability to afford housing. Therefore, an imputed rate must be calculated and added as income from assets. 41
o Students 18 and over Verify full-time student status Verify and document all income and assets  If documented as a student, and NOT Head of Household or spouse, then income capped at $480/year o Minors’ earned income (under 18 yrs) is not counted However, unearned income attributable to a minor, e.g., child support, TANF payments, income from bank accounts, and other benefits paid on behalf of a minor must be included 42
http://www.hud.gov/offices/cpd/affordable housing/training/web/calculator/calculato r.cfm This is on HUD’s Office of Community Planning and Development’s “Affordable Housing” web page, under “training” along the right side of the page. Then click on: Web-based Training (HOME Front). 43
o Official Name: Technical Guide for Determining Income and Allowances for the HOME Program o Available FREE at Community Connections COMMUNITY CONNECTIONS P.O. Box 7189, Gaithersburg, MD 20898-7189 Telephone: 1-800-998-9999 TDD: 1-800-483-2209 Fax: 1-301-519-5027/5622 www.comcon.org www.hud.gov/offices/cpd/affordablehousing/library/modelgu ides/1780.pdf 44
o Annually, tenant income must be recertified ( same process as initial certification )  Review 3 rd party verification  Get written statement from another means-tested government program - If not available, then:  Source documentation (remember many months of info required if pay stubs used) o Income documentation becomes “stale” after 120 days.  Use effective date of recertification 45
o If the income of a tenant in Low HOME (VLI) unit increases up to 80% of AMI:  May increase rent to High HOME rent level (when lease allows)  Must rent the next HOME-assisted unit (fixed projects) or next available unit (floating projects) at Low HOME rent. If the project’s units float, you may allocate the Low HOME status to a VLI-eligible household, if there is one available 46
o If at recertification, the income of a tenant in a HOME/HSF unit exceeds 80% of AMI... 47
o Tenant may remain in HOME/HSF-assisted unit BUT o (for HOME/HSF fixed units): Tenant must pay rent equal to 30% of adjusted monthly income. o (for HOME/HSF floating units): Tenant must pay rent equal to 30% of adjusted monthly income up to the ‘street’ or market rent level and “next available” unit rule applies. o Units with HOME/HSF and LIHTC:  Rents are capped at the LIHTC Rent Limit 48
o Must be enforced for the term of the affordability period through:  Affordable Housing Restriction (AHR)  Deed Restriction o Rental and resale restrictions may only be terminated upon foreclosure. (NOT a preferred option!) With resale to an eligible purchaser, the new buyer will assume a deed rider and its restrictions. 49
o Leases must be for at least 1 year, unless agreed upon by owner and tenant (DHCD requires 1 year lease; in rare cases, waiver is allowed) o Leases may not contain certain provisions (92.253b.) o Owner may terminate tenancy with 30 days notice under certain conditions but may not terminate with less than 30 days notice o Owners MUST adopt written tenant selection policies and criteria 50
HSF Monitoring is conducted by OKM Associates, Inc HOME Monitoring is conducted by FinePoint Associates, LLC 51
o PJs must verify compliance with HOME/HSF requirements each year o On-site property inspections are required:  Every 3 years for proj. with 1-4 units  Every 2 years for proj. with 5-25 units  Each year for proj. with 26 or more units 52
o Homeownership compliance One time only (unless rental units present), but there are continued development occupancy responsibilities o Ongoing compliance for multi-family homes with homeowner and rental units Site visits when inspections required Desk audits for projects in compliance in lieu of visit for years when inspections are not required Provide updated rent/income schedules to FTHBs with HOME-assisted rental units 53
o Ongoing rental compliance:  Site visits when inspections are required  Desk audits for projects in compliance in lieu of visit for years when inspections are not required 54
o Monitoring agent will contact you at least two weeks in advance of visit o An “open book” test; we want you to pass You’ll get a copy of the monitoring guides. You’ll have time to check your files. You are welcome to call with questions. 55
o Visit typically completed in 1 day/site o Procedures 1. Interview and documentation review for financial and insurance issues, fair housing, etc. 2. Unit file review (random sample of 20% of HAU files or at least 4 files) 3. On-site inspections (random sample of 20% of HAUs or at least 4 units and at least 1 unit per building. Common areas and building systems are also inspected.) 56
o Monitoring letter issued by DHCD: Findings:  Addresses statutory/regulatory violations  Must cure/respond in 45 days Recommendations:  Address good practices  No response required, but expect to see improvement next time 57
o Occupancy Requirements Refer to your project’s Regulatory Agreement and to your project’s AHR! Compare the applicable program restrictions and follow the most restrictive for your project. Rent requirements: Rents cannot exceed either program limit 58
o Establishing tenant income eligibility Documentation: same for both Definitions: same for both- Part 5 / Section 8 (“Section 8 ” in LIHTC regs) Asset Income: Use HOME verification requirements. o Reexaminations of income Must be completed annually 59
o Over-Income Tenants HOME defers to LIHTC; rent cannot exceed limits set by LIHTC until unit is replaced. o HUD WEBSITE FOR COMBINING THE TWO: http://www.hud.gov/offices/cpd/affordableh ousing/training/web/lihtc/complying/togeth er.cfm 60
o Davis-Bacon labor standards  12 or more HAU’s require federal prevailing wage rates (Davis Bacon). Sufficient documentation must be maintained in the project files. 61 FED REGS
o Relocation: (Yes, even for FTHB)- Obtain waiver from seller that they are selling of their own free will.-HUD Handbook 1378- Appendix 32 49 CFR Part 24 (the “Uniform Relocation Act”) requirement that you ensure that acquisition of any property with Federal funds will not contribute to any “displaced” persons, as defined by the Act, thereby triggering relocation assistance All the Right Moves (HUD website) for help in the Uniform Relocation Act (“Barney Frank Rule”) If project-based, must follow URA and pay benefits if building is to be demolished or if tenants (commercial or residential) have to be relocated as a result of your action 62
o Conflict of Interest (24CFR Part 92.356)  No one associated with project may obtain financial interest in contract or subcontract  Persons include themselves, or those with whom they have business or family ties during their tenure or for one year thereafter  Includes employee, agent, consultant, officer, or elected official or appointed official of the organization receiving the funds 63
o Conflict of Interest (cont.)  EXCEPTION: On behalf of a HOME or HSF awardee, DHCD will review an exception request and determine if the request needs to be forwarded to HUD (if HOME funds). Exceptions are reviewed on a case-by-case basis and granted when it has been determined that the exception will serve to further the purposes of the program and the effective and efficient administration of the project or program. 64
Conflict of Interest (cont.) In order for a real (or perceived) conflict of interest situation to be considered for an exception, a two-part threshold must be met: o 1) The nature of the conflict must be publicly disclosed, and; o 2) An opinion of legal counsel that the proposed action does not violate local law must be obtained and submitted. 65
Conflict of Interest (cont.) To petition for an exception, documentation must be provided, which shall include: o 1) the precise wording of the disclosure; o 2) precisely how the CoI was disclosed (e.g. by letter to the chair, oral announcements, etc.); and, o 3) description of evidence that the interested public was aware of, or could be expected to be aware of, the disclosure. 66 Other Federal Requirements (cont.)
Conflict of Interest (cont.) In those cases where a benefit is sought, particular attention should be paid to whether all other persons eligible to receive the same benefit, who are not in a conflict position and are in of a similar need situation, have a reasonable chance to receive the benefit. The degree that their opportunity to receive the benefit will be diminished if the exception is granted, the greater the diligence required if we are to grant the exception. 67 Other Federal Requirements (cont.)
o Minority and Woman-owned Business Enterprises (M/WBE) o Section 3 – local companies and local LI workers  Thresholds for Section 3 requirements  Projects for which HUD’s share of project costs exceeds $200,000; and  The contract or subcontract exceeds $100,000.  HOWEVER, both HOME and HSF require Section 3 plans for all HOME and HSF projects! 68 FED REGS
o DHCD’s version includes performance measurement data o Properties must eventually report beneficiary data for units that may have been vacant on the date the initial project completion report was submitted. o Web-Based Annual Occupancy Reporting to DHCD OKM and FinePoint to use and verify during monitoring visits 69
o Beneficiary data Information on HOME/HSF homebuyers and any HOME/HSF-assisted tenants Some additional questions to meet  Objectives of HUD’s Performance Measures initiative and  Commonwealth’s data collection goals Most areas can be covered in your application/intake form. 70
o The Federal and State governments continue to be interested in on-going data on subsidy beneficiaries Agencies’ abilities to report play a crucial role in the allocation of funding Post-purchase counseling provides opportunities to get meaningful data on how your project is going o (FTHB) Principal Residency Requirement FTHB on-going reporting mainly consists of confirming ongoing primary residency, but may include other measures (particularly for homeowners with assisted rental units) 71
o The next few slides relate to subjects that are unique to first-time homebuyer programs and projects. 72
o An individual or an individual and his/her spouse who have not owned a home during the 3-year period prior to the HOME/HSF home purchase, except that the following cannot be excluded from consideration:  Any individual who is a displaced homemaker (as defined by HUD)  Any individual who is a single parent (as defined by HUD)  An individual who owns or owned, as a principal residence during the 3-year period before the purchase of a home under the Program a dwelling unit whose structure is :  (i) not permanently affixed to a permanent foundation or  (ii) not in compliance with State, local or model building codes and cannot be brought into compliance with such codes for less than the cost of constructing a permanent structure. 73
o Low-income (80% AMI by family size as determined by HUD) o Income eligibility determined At purchase for existing housing At contract (P&S) signature for new construction o Income eligibility determination may be no more than 6 months old o Property will be principal residence o Sponsor or agency does initial income determination; DHCD to approve all FHTB project- based applicants. o Does not have eligible assets in excess of $75,000 for project-based or $25,000 for purchaser based 74
o Forward proposed buyer info to DHCD Income/Asset information, including the household application, back-up documentation, and the sponsor’s income summary calculation worksheet. Financing commitment—All loans must be conforming. The commitment must be fixed for the term of the loan and should reflect competitive industry standard rates, including acceptable ratios. Loan products must be reviewed with respect to points and other closing costs; points are not permitted. Homebuyer Counseling Certificate: Given after pre- purchase counseling, with a post-purchase counseling certificate to follow within four months of purchase. 75
o Forward proposed buyer info to DHCD Disclosure Statement Purchase and Sale Agreement Certificate of Occupancy Deed Rider for a particular household— completed page 1 to confirm HOME/HSF investment and assistance amounts HUD-1 Settlement Statement HOME/HSF Project Completion Form 76
o Homebuyer Counseling Pre Purchase- Homebuyer Counseling Certificate Post-Purchase Counseling and Foreclosure Prevention  Ideas on what is working  Telephone and mail contact  Classes with incentives?  Tuition?  Establish and keep RELATIONSHIP with buyers o New buyers might be buying at a time where housing prices are falling. They need to understand that, and what it may mean to them. 77
o Agencies must take strict approach to reviewing the first mortgage Conform to GSE guidelines (i.e. Fannie Mae/Freddie Mac, FHLB) Fixed rate; reasonable and competitive, without points Underwritten with ratios within the industry standard Maximum 95% loan to purchase price for HSF Must be at a competitive interest rate and without points 78
o The housing must be modest housing: o If acquisition only (purchaser-based (HOME ADDI) program): Sales price cannot exceed 95% of the median area purchase price. Although the Economic Stimulus Act of 2008, effective March 6, 2008, allows HUD to temporarily increase FHA loan limits, they are not applicable to HOME (see handout). Property appraisal required 79
o If acquisition and new construction, (FTHB project-based): Per the HOME Rule: sales price cannot exceed 95% of the median area purchase price. But with DHCD-assisted projects… Sales price cannot exceed DHCD’s sales price limits (see handout), but affordability must be demonstrated with an affordability analysis, where specific condo fees, tax rates, etc. are taken into account 80
o If acquisition with rehab: Per the HOME Rule: as-completed value cannot exceed 95% of the median area purchase price. Although the Economic Stimulus Act of 2008, effective March 6, 2008, allows HUD to temporarily increase FHA loan limits, they are not applicable to HOME (see handout) And, with DHCD-assisted projects… Sales price cannot exceed DHCD’s sales price limits (see handout) 81
o Documentation of all capital improvements in order to be considered for inclusion in Maximum Resale Price formula o Must have legitimate receipts of products used and work performed o Proposed capital improvements are approved at DHCD’s discretion, and follow a depreciation schedule. 82
o Must get consent from DHCD o Up to 90% of resale formula, exclusive of capital improvements o Rate must be Fixed Competitive Comparable or better than current rate o Conforming Loan – mortgage loans that conform to GSE guidelines (Fannie Mae/Freddie Mac, FHLB) o Supported by Appraisal by licensed MA appraiser 83
o Deed Riders contain instructions and formulas pertinent to re-sales o In nearly all cases, our first goal is to find an eligible purchaser and provide the housing opportunity for another low- income first-time homebuyer household o Recapture provisions may apply, depending on the restriction. 84
HUD’s “Home Page” for HOME: o http://www.hud.gov/offices/cpd/affordable housing/programs/home/ DHCD e-SOURCE To subscribe send a blank email to: join-dhcd- housingdevelopment@listserv.state.ma.us 85
FinePoint Associates, LLC o Elaine Nickerson  617.543.2204  eknick@aol.com o Lindsay Cohrs*  508.340.8890  lindsaycohrs@gmail.com 86
OKM Associates, Inc. Contact information o Judy Katz  617-731-2774  jakcbo@aol.com 87
o Rebecca Frawley, 617.573.1318 Rebecca.Frawley@state.ma.us o Matt Duval, 617.573.1324 Matthew.Duval@state.ma.us o Website: www.mass.gov/dhcd 88
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