[00:00:02]
READY, SIR? PAUL YOU READY? OKAY. I'M GONNA CALL THE MEETING TO ORDER. OF THE C R B AS OF DECEMBER, 6TH. IF YOU COULD DO THE ROLL CALL, PLEASE. CHAIRMAN CAMPENNI CHAIRMAN DOOLEY. BOARD MEMBER LUIS MEMBER MAKINSON HERE BOARD MEMBER STRAW BOARD MEMBER WAKA HERE. THANK YOU. OKAY IF WE CAN STAND FOR THE PLEDGE. I PLAYED FLAG STATES OF AMERICA AND REPUBLIC FOR WHICH IS LIKE GRATION GOD, INVISIBLE LIBERTY AND JUSTICE PEARL. OKAY CAN I GET A MOTION TO APPROVE THE
[APPROVAL OF AGENDA ]
AGENDA SECOND? ALL IN FAVOR, ALL RIGHT? COMMENTS FROM THE PUBLIC. MIKE READ LING PRESENTATION. AH SO YOU WANT TO SPEAK ON THE PRESENTATION? SURE. OKAY AND THE OTHER NONE. HAVEN'T YOU HAVEN'T[APPROVAL OF MINUTES ]
APPROVED THE MINUTES FROM OH, RIGHT. I'M SORRY. APPROVAL OF THE MINUTES. CAN I GET A MOTION TO APPROVE THE MINUTES SECOND ALL IN FAVOR? AYE. OKAY MOVING ON. COMMENTS FROM BOARD MEMBERS[COMMENTS BY BOARD MEMBERS (Non-Agenda Items) ]
ARE NON AGENDA ITEMS I WANT TO. I THINK THIS IS MY LAST MEETING. I'M PRETTY SURE I DON'T KNOW WHEN IT ALL ENDS AND STARTS AND STUFF, BUT I. AND BUILDING A HOUSE AND WE'LL PROBABLY BE SELLING OR LAST PIECE OF PROPERTY IN THE CITY. AND SO CONSEQUENTLY. UH, THIS WILL PROBABLY BE MY LAST MEETING AND IT'S BEEN A PLEASURE WORKING WITH YOU ALL AND THE STAFF AND IT'S BEEN, UH. IT CAN'T. ACTUALLY I SHOULDN'T SAY IT'S ALWAYS BEEN A PLEASURE, BUT BUT IT'S BEEN AN HONOR. AND ANYWAY, SO, UH, THANK YOU ALL ANYWAY, I WANTED TO SAY THAT THANK YOU, FRANK. IT'S A IN JENSEN. AND HER OLD NEIGHBORHOOD. ANYBODY ELSE? OKAY? IF I CAN HAVE THE[2. PRESENTATION OF THE SOLAR AND ENERGY IMPROVING HOMES ]
PRESENTATION. THANK YOU, UM, PANEL, GANDHI SADHUS ER, A DIRECTOR. FOR THE RECORD. I'M JUST GOING TO INTRODUCE THE ITEM . WE HAVE A PRESENTATION OF THE SOLAR AND ENERGY LOAN FUND, KNOWN AS A SELF PROGRAM BY ROY ORGANIZE, BUT BEFORE WE DIVE INTO THE PROGRAM, I JUST WANTED TO GIVE YOU A LITTLE BACKGROUND INFORMATION ON BRUSH WITH KINDNESS PROGRAM BECAUSE WE CURRENTLY HAVE THAT PROGRAM. IN PARTNERSHIP WITH HABITAT FOR HUMANITY, AND MY CRADLING IS HERE FROM HABITAT TO REPRESENT THE PROGRAM. WE HAVE THAT PROGRAM FOR EXTERIOR IMPROVEMENTS OF THE HOMES. WE'VE BEEN SUCCESSFUL WITH THE PROGRAM OVER THE YEARS THAT WE'VE ASSISTED APPROXIMATELY 15 TO 18 HOMEOWNERS IN EAST STEWART SINCE THE PROGRAM WAS IMPLEMENTED IN 2017 AND CRE HAS PROVIDED FUNDING OF APPROXIMATELY $60,000 FOR IMPROVEMENTS. OVER TIME.HOWEVER THE SCOPE OF WORK IS LIMITED WITH HABITAT. THEY DO SMALLER PROJECTS SUCH AS ROOF REPAIRS, FIXING, GUTTERS, SIDING , MOLD REMEDY REMEDIATION, SO WE WANT TO EXPAND THE PROGRAM TO INCLUDE THE SELF TO LOVE. UM LARGER IMPROVEMENTS SUCH AS ROOF REPLACEMENT AND MAJOR ROOF REPAIRS. WHICH CAN BE COSTLY TO HOMEOWNERS. UM, THE WAY THE PROGRAM WILL WORK IS THAT WE WILL PARTNER WITH SELF TO PROVIDE THE FUNDING GAP BETWEEN THE DIFFERENCE BETWEEN THE APPROVED LOAN AND THE TOTAL COST OF THE ROOF REPLACEMENT OR LARGER ROOF REPAIRS, SO THE CRE CONTRIBUTION WOULD BE LIMITED TO $5000 FOR QUALIFIED LOW INCOME HOMEOWNERS. AND, UM, THE C R. A FUND WILL COVER APPROXIMATELY ONE THIRD OF THE TYPICAL COSTS OF ROOF REPLACEMENT ON SMALLER HOMES, SO THIS WOULD BE MORE OF A PARTNERSHIP PROGRAM WITH SELF AND WE WOULD JUST BE EXPANDING THE FUNDING THAT'S ALREADY ALLOCATED FOR BRUSH WITH KINDNESS PROGRAM, SO THIS IS NOT ADDITIONAL FUNDING. THIS IS JUST EXPANDING THE PROGRAM. UM I'LL LET ROY TAKEOVER AND PRESENT THE PROGRAM AND BENEFIT PARTICULAR PROGRAM. YOU'LL BRING IT BACK TO THE CRB AT SOME POINT. FOR MORE OFFICIAL WELL, WE'RE JUST GOING TO IMPLEMENT WHATEVER, HOWEVER THEY SO THE WAY THE PROGRAM WILL WORK IS, UM THE HOMEOWNER WILL CONTACT THEM DIRECTLY AND THEY WILL DO ALL THE INCOME QUALIFICATIONS, UM, DETERMINE WHETHER THEY QUALIFY OR NOT, AND THEN PROVIDE THE APPLICATION TO STAFF TO SEE IF THEY CAN RECEIVE FUNDING, SO IT'S NOT AN ACTUAL APPLICATION PROCESS THROUGH US, IT WOULD BE THROUGH THEM. OUR MOTION. DON'T NEED EMOTION ON THIS AND OUR CONTRIBUTION REALLY STAYS THE SAME. JUST EXPANDING WHAT WERE CORRECT, RIGHT? OKAY? BEFORE YOU START. ROY, MIKE, YOU
[00:05:04]
WANT TO SPEAK NOW? THANK YOU. MIKE READING ON THE EXECUTIVE DIRECTOR OF HABITAT FOR HUMANITY , MARTIN COUNTY. UM THANK YOU FOR THE CHANCE TO SPEAK. REALLY? I'M JUST HERE IN SUPPORT OF LIKE SHE SAID, EXPANDING THIS PROGRAM . WE'VE WE'VE BUILT 25 HOMES IN EAST STEWART. WE'VE PERFORMED A BRUSH WITH KINDNESS ON ANOTHER 80, PLUS THE 15 TO 18 THAT WE'VE PARTNERED WITH THE CITY ON THE LAST WHAT FOUR OR FIVE YEARS? SO WE'VE BEEN PRETTY INVESTED IN ANY STEWART. THE REPAIRS THAT WE DO FIXING ROTTEN TRIM. UM, BROKEN WINDOWS. PRESSURE WASHING MOLD AND MILDEW OFF THE HOUSES REPAINTING THOSE KIND OF MINOR EXTERIOR REPAIRS. I THINK WE'VE KIND OF RUN OUR COURSE WITH THOSE. THERE'S NOT A LOT LEFT IN EAST STEWART. THE THINGS THAT ARE LEFT TO BE DONE OR SIGNIFICANT. ROOFS. UM. WHOLE LOT OF THINGS THAT ARE KIND OF OUT OF OUR SCOPE. SO AGAIN, I WAS JUST HERE TO SUPPORT THE EXPANSION OF THE PROGRAM AND SEE IF WE CAN HELP AS MANY RESIDENTS AS POSSIBLE. THANK YOU, MIKE. THANK YOU, MIKE. AND THANK YOU. PANEL THANK YOU, EVERYBODY. THE BOARD HAVING US HERE TODAY. MY NAME IS ROY EASTMAN BEGAN IS I'M A 25 YEAR RESIDENT OF STEWART MARTIN COUNTY. I SHOULD SAY I LIVED IN PALM CITY AND ALSO WITH STEWART AND THEN THE STUART BINNY STEWART NOW FOR THE LAST FEW YEARS, BUT THE ORGANIZATION I REPRESENT, IT'S CALLED THE SOLAR ENERGY LONG FUND WERE NONPROFIT LENDING, NONPROFIT BANK ONLY LONG PROFIT LENDING BANK IN FLORIDA. AND WE STRICTLY FINANCE HOME IMPROVEMENTS. SO THAT'S ALL WE DO. AND OUR MISSION IS BASICALLY TO PROVIDE AFFORDABLE FINANCING FOR HOMEOWNERS THAT JUST CAN'T GAIN ACCESS TO IT. WHETHER IT'S BECAUSE OF THEIR CREDIT SCORES, YOU KNOW, LOW MODERATE INCOME AND THEY JUST GO TO A BANK, AND THEY JUST DON'T QUALIFY FOR THE CREDIT FOR BEING TOO LOW, OR ARE THEY NOT HAVE ENOUGH INCOME TO SHOW THE YOU KNOW ABILITY TO PAY BACK BECAUSE BANKS HAVE SORT OF A NUMBER THAT THEY PUT ON? FOLKS WHEN THEY COME INTO THE BANK SO JUST TO GET STARTED, SO ENGINE LONG FUND WE STARTED IN 2011 DO I HIT THIS BUTTON? YOU GOT IT. IT'S ON. THERE YOU GO. ALL RIGHT, SO THIS IS JUST A LITTLE BIT OF HISTORY ABOUT SOLAR ENERGY LONG, FINE. UM BASICALLY, WE STARTED IN 2010 WITH $2.9 MILLION SEE GRANT FROM UNITED STATES DEPARTMENT OF ENERGY. IT WAS INTENDED BASICALLY KICKSTART SOLAR ENERGY FINANCE. BECAUSE A LOT OF PEOPLE THAT WERE TRYING TO GET INTO SOLAR. THE COST WAS SO HIGH AND THEN WHEN THEY WANTED TO GET FINANCING THEY THEY DIDN'T HAVE GOOD CREDIT SCORES. THEY GOT HIGH. ONLY PEOPLE REALLY BENEFITING WITH PEOPLE THAT HAVE REALLY GOOD CREDIT OR HAD A LOT OF MONEY THAT CAN JUST AFFORD THE PAPER SOUL. SO THE GOVERNMENT DECIDED TO STEP IN AND PROVIDE A NONPROFIT GREEN BANK TO HELP LOW MODERATE INCOME. PEOPLE WOULD LOVE CREDITS FOR SO THE MODEL WAS BASICALLY IN 2009. IT WAS STARTED AS ENGLISH COUNTY, WHERE FOUR OR FIVE STATES CURRENTLY NOW UM, BUT IN 2009 GETTING STARTED SEEING LUCY COUNTY, THE FIRST LOAN WAS CLOSED IN 2011. BASICALLY AVERAGE ADVANCING SOCIAL, ECONOMICAL AND ECONOMIC JUSTICE FOR ALL MODERN INCOME PROPERTY KNOWN AS WHAT WE DO FINANCE ON THE ABILITY TO PAY NOT CREDITS FOR SO THAT'S THE DIFFERENCE ON OUR LENDING.COMPETITIVE ADVANTAGE FOR US IS A NONPROFIT THING. SO WE DON'T LOOK AT SO MUCH CREDIT FOR DETERMINING ELIGIBILITY LIKE MOST BANKS DO. WE LOOK AT THEIR INCOME MINUS THEIR EXPENSES. AND BASICALLY DO A EVALUATION OF WHAT THEY CAN AFFORD AND HAVE SOMETHING LEFT OVER. AND WE STRUCTURAL LOAN AROUND THAT AMOUNT. WE HAVE LONGER TERM, WE HAVE SPECIAL PROGRAMS TO GET VERY LOW INTEREST RATES. ONE OF OUR WOULD WANT A FEW CDF EYES IN AMERICA CITY ADVISE STANDS FOR COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION. AND WE'RE CERTIFIED AND BACKED BY THE US DEPARTMENT OF TREASURY. THE FIRST, UM PDF I IN AMERICA TO BE FOCUSED ON CLEAN ENERGY. AND WE'RE ONE OF THE FOUNDING MEMBERS OF THE U. S GREEN BANKING SOURCES THANKS TO A NATIONWIDE BROUGHT THE BANKS ALL OVER THE COUNTRY THAT ARE LOOKING, EXPAND GREEN ENERGY AND PROVIDE FINANCING IN THOSE AND WE ALSO BEEN WORKING WITH WASHINGTON D. C AS WELL. SO THE MISSION IS TO REBUILD AND EMPOWER UNDERSERVED COMMUNITY BY PROVIDING ACCESS TO AFFORDABLE, INNOVATIVE FINANCING FOR SUSTAINABLE PROPERTY IMPROVEMENTS IN ENERGY EFFICIENCY IS BIG, RENEWABLE ENERGY. WE JUST TALKED ABOUT SOLAR AND OTHER THINGS, BUT THIS IS REALLY WHAT'S BIG FORM MITIGATION, WHICH WE'RE TALKING ABOUT HERE. RESILIENCY. WINDOWS DOORS. I'M SURE THESE ARE THE THINGS THAT HAPPENED TO HUMANITY, ESPECIALLY LOOKING AT THE SAME. THESE ARE THE THINGS THAT WE NEED. HOMEOWNERS WITH AT THIS TIME. OF WATER QUALITY. WE'RE DOING A BIG PARTNERSHIP WITH MARTIN COUNTY WHEN IT COMES TO THE SECOND PURSUER. CONVERSIONS ARE SWITCHING THOSE OVER WE'RE PROVIDING LENDING FOR THAT. WITH THE PAYMENTS. AGING IN PLACE. THIS IS BIG TO PEOPLE
[00:10:02]
THAT ARE GETTING OLDER. FOLKS WHO ARE DISABLED. AND THINGS LIKE THAT RAMPS AND WHEELCHAIR RAMPS AND BARS SHOWERS DIFFERENT THINGS IN THE HOME THAT THEY CAN GET AROUND A LOT EASIER. UM OBVIOUSLY, I'LL BUSINESS TO BASIC CONTINUE TO EXPAND AND WORK WITH OTHER LOCAL GOVERNMENTS AND TO HELP MOHAMMED. THESE ARE THE AREAS THAT WE RIGHT NOW. SOLAR SO WATER. STORM RESILIENCY ROOFING , WHETHER IN INSTALLATION LIGHTING HEALTH AND SAFETY. I THINK THAT'S BIG TO AREA AROUND HERE BECAUSE YOU GET A LOT OF PEOPLE THAT GET CODE VIOLATION.NOT TAKING CARE OF THEIR PROPERTY, JUST LITTLE THINGS ON HIS TERMITES. MOLD IN THE HOME THINGS LIKE THAT, AND THEY REALLY NEED FINANCING FOR THAT. THEY CAN'T GET ANOTHER THING, TOO, IS WE ALSO WORK WITH MOBILE HOME? YOU KNOW OWNERS, WHICH IS HARD TO GET FINANCING FOR MOBILE HOME IMPROVEMENTS, SO WE'RE IN THAT AREA AS WELL. SO DISABILITY PRODUCTS AND AIR CONDITION IS PROBABLY OUR NUMBER ONE PRODUCT. IN FLORIDA. A C GOES OUT. LOT OF PEOPLE DON'T HAVE FIVE OR $6000 LAYING AROUND IN THE BACK OF THE CAN JUST CUT A CHECK FOR THEY WANTED ME TO CREDIT CARDS. AND WE CALL THAT PREDATORY AMENDMENT OF THOSE CREDIT CARDS CAN GO UP TO 28 29 30% INTEREST RATES.
CREDIT CARD. SO THAT'S SOMETHING THAT REALLY, YOU KNOW, IT WAS REALLY AFFECTING PEOPLE IN THEIR POCKETS. SO AGAIN, A MISSION IS TO BASICALLY PROVIDE LENDING. AND AFFORDABLE CAUSE CLIMATE EQUALITY. STUDENT PROTECTIONS. WE DO PROJECT MANAGEMENT, FIRST OF ALL. WE WE BET THE CONTRACTORS SO WE WORK DIRECTLY WITH THE CONTRACT. AND WE PAY THEM DIRECTLY AS WELL. JUST LIKE YOU KNOW? ANYBODY WOULD DO IT. THE CONTRACTOR WOULD GO OUT AND DO THE WORK PERSONALLY. BETTER MAKE SURE THAT PROPER LICENSE INSURANCE MAKE SURE YOU HAVE A GOOD TRACK. ARE THERE ISSUES WITH THAT COMPANY WILL CALL THEM DIRECTLY HAVE THAT CONVERSATION. ALLOWING TO BE A CONTRACT OR WHATEVER. IF THERE'S ANY ISSUE OR ANY PROJECTS THAT CLIENTS COLLEGE RIGHT AWAY, WE CALL THE CONTRACTOR. WE DON'T PAY THE MONEY. THERE'S NO YOU KNOW? ISSUE WITH THE CLIENT. ALL RIGHT . THERE'S NO UM I THOUGHT I WAS. I THOUGHT I WAS LOUD ENOUGH. BUT YOU'RE TELLING ME I SHOULD HAVE SAID SOMETHING. OKAY UM SO WE MAKE SURE THOSE CONTRACTORS ARE TIMELY FASHION AND GETTING THE WORK DONE, YOU KNOW, PASSED INSPECTIONS, THINGS LIKE THAT BEFORE WE PAY THE CONTRACTORS AND WE ALSO, UH WORK WITH THE CLIENTS TO MAKE SURE THE JOB IS GETTING DONE TO THEIR LIKING.
PROJECT MANAGEMENT QUALITY OF WORK COMPLIANCE CODES. OBVIOUSLY UM, ANOTHER THING WE DO FOR HOMEOWNERS. WE HELP THEM TO REBUILD THEIR CREDIT BECAUSE WE REPORT TO THE CREDIT BUREAUS, SO A LOT OF FOLKS THAT COME TO US THEY HAVE MORE CREDIT SCORES. AND OUR GOAL IS NOT TO HAVE THEM TO KEEP COMING BACK TO US, BUT WE WANT TO GIVE THEM SORT OF A LOAN TO HELP THEM TO ELEVATE THEMSELVES SO THEY DON'T DOWN THE LINE THEY CAN GET. BETTER. FINANCING WITH LOWER INTEREST RATES AND MORE CONVENTIONAL BANKS, SO WE HELP THEM WITH THEIR CREDIT SCORES. WE SOME HOMEOWNERS, WE REQUIRE THEM TO DO A CREDIT WORKSHOP, WHICH IS DONE IN PERSON OR SOMETIMES IT'S DONE ONLINE WHERE THEY CAN JUST GO TO A CLASS. AND THEN THEY GIVE US UM, CERTIFICATE THAT THEY PASSED THAT CLASS AND WE LOWER THE INTEREST RATE. AND THESE ARE THINGS THAT COULD HELP THEM, UM, UNSECURED LOANS AGAIN, THERE'S NO RISK OF THEM LOSING THEIR HOME. THERE'S NO LEANS ATTACHED TO THE PROPERTY. IT'S AN UNSECURED LOAN THERE'S GIVEN DIRECTLY TO THE CLIENT AS A PERSONAL LOAN. AND YOU'LL SEE THESE RATES ARE PRETTY LOW. IT'S NOT LIKE PACE, WHICH A LOT OF PEOPLE STARTING TO HAVE A LOT OF FLAK ABOUT PASTE WHEN IT'S TIED TO THE PROPERTY TAXES AND THINGS LIKE THAT, AND PEOPLE LOSE THEIR HOMES IF THEY DON'T PAY. SO AGAIN, WE OFFER CERTAIN PROGRAMS. THESE A COUPLE PROGRAMS WE OFFER WE OFFER UNSECURED LOANS FOR SINGLE FAMILY HOMES, MULTI FAMILY HOMES AS WELL AS MOBILE HOMES. WE HELP LANDLORDS WHO ARE LOOKING TO, UM GET BRIZ LOANS TO FIX UP THEIR RENTAL PROPERTIES. UM YOU KNOW, PROVIDE REHAB LOANS AND DEVELOPERS, YOU KNOW, GUYS ARE LOOKING AT GET INTO AFFORDABLE HOUSING. UM AND BILL AFFORDABLE HOUSING WILLING TO INVEST IN THAT AS WELL. UM, SO AGAIN. QUICK. PROJECT MANAGEMENT VETTING CONTRACTORS. THESE ARE LOCAL GOVERNMENT PARTNERS THAT WE'VE PARTNERED WITH. OBVIOUSLY YOU KNOW, THERE'S MORE HERE BECAUSE WE'VE ADDED SOME, BUT AS YOU CAN SEE, ONE OF THEM ON THERE IS THE CITY OF STEWART BECAUSE WE'VE HAD A PARTNERSHIP WITH THE SENIOR STUDENT PAST WHERE WE IN THIS WOULD KIND OF BRINGS US TO WHERE WE'RE AT NOW, BECAUSE WE KIND OF DID THE RESEARCH. AND WE WENT OUT THE DOOR TO DOOR KNOCKED ON ALL THE DOORS PROVIDED FREE ENERGY ASSESSMENTS IN THE HOMES WENT AND FOUND OUT WHAT THE HOMEOWNERS NEED AND MOST OF THEM IT WAS THEIR CONDITIONS, ROOFS, WINDOWS AND DOORS. THAT WAS PRETTY MUCH WHAT IT WAS OR CITING. YOU KNOW, BECAUSE A LOT OF SOMEBODY'S HOUSE ARE ARE MADE OF WOOD HARDY BOARD, SO THAT WAS A BIG THING. SO WE'VE DONE A LITTLE BIT OF THAT. THE ONLY ISSUE IS I FOUND GOING DOOR TO DOOR THAT OUT OF MOST OF THE HOMEOWNERS. THE ONES THAT WE GOT APPROVED, THERE WERE APPROVED FOR A CERTAIN AMOUNT, BUT IT WASN'T ENOUGH FOR WHAT THEY NEEDED DONE. SO THAT WAS A THING THAT WE'VE BEEN DISCUSSING FOR YEARS THAT IF THERE WERE SOMETHING THAT CAN KIND OF
[00:15:05]
BRIDGE THE GAP FOR SOME OF THOSE HOMEOWNERS THAT COULD QUALIFY, BUT JUST NOT QUALIFIED FOR ENOUGH. THEN THEY CAN STILL GET THE WORK DONE AND FIX UP THEIR PROPERTIES. AND ALSO, YOU KNOW, GIVE THEM A BETTER CHANCE OF ROOFS. YOU CAN ACTUALLY DO A NICE ROOF AND REFINANCE RIGHT AND THEN GET YOURSELF UP BETTER INTEREST RATE AS WELL AS IN AND GET MORE WORK DONE. SO THIS, UM THESE ARE SOME OF THE COUNTIES WE WORK WITH. OBVIOUSLY, THAT'S ME, HANDSOME GUY RIGHT THERE.RIGHT ON. YOU CAN TELL THIS YOUNG. THIS WILL GIVE YOU A STORY ABOUT THIS YOUNG LADY HERE. SHE WAS SUPPOSED 17 OR SEVENTIES ARE RETIRED, OWNS HER CONDO WRITING JENSEN. ALRIGHT, SHE HAS NO MORTGAGE. OKAY HUSBAND PASSED AWAY. HUSBAND YOU KNOW, PRETTY MUCH TOOK CARE OF EVERYTHING. EVERYTHING. HE PASSED AWAY HER A C WENT OUT. I THINK THIS IS HER SISTER OR NEIGHBOR. THIS IS ACTUALLY HER NEIGHBOR WHO'S TRYING TO HELP HER OUT. JUST BEING THERE FOR HER RIGHT. HUSBAND PASSED AWAY FOR A C GOES OUT. SHE GOES TO HER LOCAL BANKS HAS BEEN BACKING FOR 30 YEARS. OR HER LIFE. 1007 140 CREDIT SCORE. SHE GOES INTO THE BANK SHE GETS DECLINED. WHY IS THAT? BECAUSE SHE'S ONLY ON SOCIAL SECURITY RIGHT NOW BRINGS HOME ABOUT $1500 A MONTH. TO THE FACT THAT YOU CAN'T AFFORD TO PAY THIS BACK. YOU KNOW, NOBODY WOULD GIVE HER ALONE. WELL ONE OF OUR WAYS THAT WE FINANCE THE GAMES ON ABILITY TO PAY. SO WE HAVE A SEAT WITH THE CLIENT. WE DO WHAT'S CALLED A COST ANALYSIS NORMALIZED EXPENSES. WE'RE GOING TO ALL EXPENSES SHE GOT WE BREAK IT DOWN A PART OF WHAT SHE HAS LEFT OVER. AND WE STRUCTURE ALONE AROUND THAT A C WAS ONLY 40 SOMETHING 100 BUCKS. STRETCH OUT THE TERM OVER FIVE YEARS. GET OUR PAYMENT THAT WAS UNDER $100 A MONTH. PROBABLY $87 A MONTH. AND SHE HAD THE ABILITY TO PAY BECAUSE HE HAD NO MORTGAGE. SHE PAID FOR? SHE'D EVEN DRIVE I THINK SHE PAID FOR WAS CABLE. AND INTERNET YOU KNOW, ON OUR PHONE AND OBVIOUSLY THOSE ARE THOSE ARE HER EXPENSES. SO IT WAS AFFORDABLE FOR US. SHE WAS YOU HAD MONEY IN THE BANK, ACTUALLY. LEFT OVER. BUT THAT'S JUST AN EXAMPLE OF HOW SELF COULD HELP AND HOW A LOT OF PEOPLE DON'T GET ACCESS BECAUSE THEY DON'T HAVE THE CREDIT FOR THAT THEY NEEDED WHEN THEY GO TO THE BANKS. SO TARGETED HOMES AGAIN. LOW MODERN INCOME. YOU'LL SEE IT IN A MINUTE. I GRAPHS. LOT OF OUR LENDING IS TOWARDS THAT. THESE ARE SOMETHING ABOUT PROGRAMS. CUBA IS A CROWD FUNDING SOURCE WE USED FOR WOMEN AND VETERANS.
AGAIN CREDIT SCORE AS LOW AS 5% I MEAN 500 CREDIT SCORES ZERO CREDIT SCORES ACTUALLY DID ONE PERSON HAD A ZERO CREDIT SCORE. AND THE RATE ON THAT IS FIVE YEARS OF 5% UNSECURED. I MEAN, I WOULDN'T WANT THAT RING 750 CREDIT. SO THAT'S HUGE AGAIN. WE WORKED WITH MARTIN COUNTY WAS SET TO CONSUMER RIGHT NOW WE'RE DOING 10 YEAR LOANS ON THAT. SO THERE BILL EVEN MORE CANDIDATES , WHICH IS SEPTIC SEWER RIGHT NOW IT I THINK THE COST ON IT. MARTIN COUNTY, SUBSIDIZING $2500 OF IT. EXCUSE ME ABOUT 10,000 LOANS ABOUT 7500. AND THE PAYMENTS ARE ABOUT $100 A MONTH.
I MEAN, GIVEN ACCESS TO PEOPLE, THESE ARE SOME OF THE LONGER WE'VE DONE OVER $28 MILLION IN HOME IMPROVEMENT LENDING. YOU KNOW, OVER OVER THE COURSE OF THE 11 YEARS. 20 MILLION CLOSE UNSECURED LOANS 2400 HOME IMPROVEMENT LOANS 74% OF OUR CLIENTS ARE IN LOWER MODERN INCOME AND ALL HAVE AND HAVE LOW CREDIT SCORES. THE DEFAULT RATE IS LESS THAN 2. THAT'S FACES BACK. AND THE REASON WHY IS THAT PEOPLE JUST WANT TO PAY US BACK BECAUSE THEY WANT TO USE AGAIN.
YOU KNOW YOU COME IN, YOU GET ALONG AND LOW WEIGHT LIKE THAT. YOU KNOW YOU HAVE OTHER THINGS YOU NEED TO DO IN THE HOUSE. YOU SEE? ME THE MONEY AND HOW WE'RE GONNA DO IT. THEY JUST WANT TO COME BACK COME BACK FIVE TIMES. THE MIND GETS TO A SITUATION WHERE THEIR FAMILY WE'VE HAD PEOPLE SAY, YOU KNOW WHAT? I'LL JUST PAY IT OFF. MAKE SURE THAT THEY DON'T DOWNLOAD BECAUSE IT HELPS WE DEAL WITH 800 CONTRACTORS THAT SORT OF BEST IN THE FIVE STATES WERE IN FLORIDA.
WE HAVE ABOUT ALMOST £400. FOR THE CONTRACT WAS HERE. THIS IS JUST THE IMPACT. REAL QUICK.
AGAIN. IT'S QUITE AS FAR AS 50% OF OUR CLIENTS HAVE PRESSED GROUP 6 40 BELOW. 20% OF OUR CLIENTS THAT WE FINANCE. IT'S CREATING JOBS FOR CONTRACTORS AND THINGS I LOVE ABOUT IT IS WE DON'T CHARGE CONTRACT WITH ME, SO CONTRACTORS THAT WE WORK WITH PERSONAL AREAS BUSY. SMALL CONTRACTORS, IF YOU GUYS KNOW ANY SMALL VOCAL BUSINESS CONTRACT PC YOU NEED ACCESS TO FINANCING. I CAN WORK WITH THEM DIRECTLY ACCESS TO FINANCING FREE, SO THEY HAVE BASICALLY ADDING ON APARTMENT AND NO ADDITIONAL COST. AND HE'LL HAVE THE PAYMENT. IT'S WHERE WE GET THE MONEY FROM THE CAPITAL COMES FROM DIFFERENT ORGANIZATIONS, DIFFERENT GROUPS, DIFFERENT
[00:20:05]
PARTNERSHIPS THAT WE HAVE FAITH BASED ORGANIZATIONS. OUR BIGGEST ONES WE DEAL WITH, LIKE CHURCH'S FINANCIAL GROUPS THAT WANT TO INVEST INTO C D F I SUPPOSED TO PUT THEIR MONEY IN THE STOCK MARKET, SO WE HAVE HEALTH SYSTEMS HOSPITALS, BANKS. THEY PROVIDE CAPITAL IMPACT INVESTORS SO THEY FIGHT. THEY PROVIDE US TO CAPITAL TO LOW RATE SOMEWHERE IN THE NEIGHBORHOOD. YOU KNOW 3 TO 4% TO 24 TO 5. I SHOULD SAY WAIT. AND SO WE'RE ABLE TO TAKE THAT CAPITAL YOU KNOW, PROVIDE LOANS IN THE COMMUNITY. GET THAT MONEY BACK REVOLVERS, PAYBACK OUR CREDITORS. PUT A LITTLE BIT OF A SPREAD. I REACHED BETWEEN FIVE AND 9.5% 100. DOUBLE DIGITS RATES AND THEN WE WERE ABLE TO SUSTAIN THE PROGRAM. AND PAY BACK OUR INVESTORS. WE ACTUALLY DID A PARTNERSHIP WITH CHASE WHAT? YOU WERE DOING BIG THINGS DOWN IN SOUTH FLORIDA RIGHT NOW, WITH AFFORDABLE HOUSING AND AFFORDABLE REHAB FOR LOCAL LOW INCOME COMMUNITIES TO PROVIDE BETTER. ENERGY EFFICIENCY IN THOSE HOMES. AND THEN THIS IS JUST SOME OF THE STORIES. LET'S GO THROUGH IT REALLY QUICK.YOUNG LADY HERE, SO, FOLKS SEVERAL HALSEY, RIGHT. ONCE YOU GET SEIZURES, SUMMERTIME, NO AIR CONDITION. OKAY SO SHE COULDN'T GET FINANCING NOWHERE ELSE. AND WE USE OUR FAST PROGRAM BECAUSE HE WAS DISABLED. SO THEY BASICALLY PARTNERED WITH US. WE'RE ABLE TO GIVE HER INTEREST RATE OF 6. ON ON THE AIR CONDITION REPLACEMENT FOR A HOME. SO THAT'S VERY LOW RATE.
PAMELA TURNER. I KNOW HER PERSONALLY FROM FOUR APPEARS TO THE U. S. MILITARY VETERANS SINGLE MOM. UM THE ROOM HAD A HOLE IN IT. WATER WAS COMING IN OUT AND HER KIDS CAN'T GET NO FINANCING. SO WE WAS ABLE TO USE THE KIVA PROGRAM THAT I JUST TOLD YOU ABOUT. THE ROOF IS LIKE ABOUT $9700 MARIE, ALMOST 9000. SO WE USE KIVA. GOTTA RATE FIVE YEARS AT 5% UNSECURED. FOR A BRAND NEW SO SHE'S HAPPY. UM THERE'S ANOTHER MILITARY VETERAN THAT WE HELPED OUT. HE WANTED TO GET INTO SOLAR. THIS IS ANOTHER YOUNG LADY WITH WATER QUALITIES AS A NEWS ARTICLE THAT WE HAD SO JUST TO KIND OF GET INTO IT. THIS IS JUST THE END OF IT. IT'S KIND OF ALL OUT, YOU KNOW, ACCOLADES AND THINGS THAT WE'VE DONE OVER THE OVER THE PAST SINCE 2011 SINCE WE GOT STARTED.
THE ACHIEVEMENTS OF THE ORGANIZATIONS HAVE MADE. WE'VE ALSO WORKING DIRECTLY WITH THE WHITE HOUSE. UM ON THE CLEAN ENERGY TECHNOLOGY. THERE'S A LOT OF STUFF THAT THEY PUT INTO THE BIDEN BILL WITH STUFF THAT I SEE. E O WENT UP TO WASHINGTON AND SPOKE IN FRONT OF CONGRESS.
ROUND ABOUT AND THERE WAS SOME OF THOSE STUFF THAT WERE PUT INTO THAT BILL AS WELL TO HELP FINANCE IT'S ABOUT IT AND I'M PROFIT A YEAR. THAT'S ME. ROISMAN BEGINS ON THE TREASURE COAST PROGRAM MANAGER. I'VE BEEN WITH THE PROGRAM FOR SIX YEARS MUCH. YOU KNOW, REALLY TOOK OFF AND WE'RE JUST HAPPY TO BE A PART OF IT. AND I JUST BELIEVE THAT WE CAN REALLY MAKE A DIFFERENCE IF ALL THESE PROGRAMS THAT COME TOGETHER AND REALLY START TO TARGET IN THAT WAY.
THANK YOU VERY MUCH FOR YOUR QUESTIONS FOR ROY. THANK YOU. I GOT A QUESTION. JUST SO WE'RE CLEAR THIS IS FOR IN A WAY IT'S GONNA BE ADAPTED HERE IS FOR ROOFS. IS THAT RIGHT? PEOPLE NEED ROOFS. ARE WE TALKING ABOUT EVERYTHING WE'RE TALKING ABOUT? THEY NEED A C THEY NEED YOU KNOW? I MEAN, EVERYTHING YOU MENTIONED THERE IS YEAH, WE DID HAVE THAT DISCUSSION TODAY AND WE'RE GOING TO START OFF WITH JUST A ROOF REPLACEMENT. WE THINK THAT'S IMPORTANT THAT, YOU KNOW, GETTING THE ROOF. UM HAVING THE ROOF IS THE MOST IMPORTANT PART BECAUSE I'LL PROTECT THE HOUSE AND THEN, UH, AS WE PROGRESS WITH THE PROGRAM WE CAN REVISIT NEXT YEAR AND SEE IF WE WANT TO ADD ADDITIONAL TYPE OF IMPROVEMENTS TO THE BRUSH WITH KINDNESS SLASH SELF PROGRAM THIS YEAR. WE'RE JUST GONNA DO THE ROOF REPLACEMENT AND YOU ARE ALSO HELP FAMILIES AND STUFF, FOR EXAMPLE, IN OUR AREA LIKE HURRICANE STUFF WITH THE SHUTTERS AND THINGS LIKE THAT, YOU KNOW, WINDOWS AND IMPACT WINDOWS. OKAY RECIPIENT. I DID I PUSH I LIVED. I BOUGHT A HOUSE IN EAST STEWART OFF OF APACHE AVENUE AND I JUST PUT SHUTTERS ON MY HOUSE FOR TO REFER TO FIND MY ROOTS, AND I USED THIS FINANCING FOR THAT'S WHAT IT'S ALL ABOUT HELPING HOMEOWNERS TO BASIS. TO, UM TO CONSERVE THE ENERGY IN THEIR HOME, AND PEOPLE THINK IT'S JUST SOLAR. BUT HI. FANCY A C 16? C. IT WILL LOWER YOUR ENERGY. BILLY'S HURT. PEOPLE BUILD DROP ALMOST 20% BY ADDING AN AIR CONDITIONER AND SOME WEATHERIZATION. YOU KNOW, WINDOWS IMPACT WINDOWS. WHAT I DID WITH MY ROOF WHEN I CERTIFIED IT WITH THE THIRD NAIL AND PUT THE SHUTTERS ON IT. MY HOMEOWNER'S INSURANCE WENT DOWN $1500 A YEAR. SO YOU LOOK YOU SAVE A LOT OF MONEY WHEN YOU DO THESE THINGS. THANK YOU. HAVE A QUESTION. WHAT IS THE CRITERIA OF THIS PROBLEM? THE COUNTRY FOR THE LOAN, CORRECT JUST TO HAVE THE ABILITY TO PAY AND THE MOST AND HAVE A GOOD, DECENT HISTORY . SO WHAT WE DO IS WE TAKE THE HOMEOWNER. WE VERIFY THEIR INCOME. SO YOU KNOW, DO TWO MONTHS OF PAY STUBS IF THEIR HOURLY EMPLOYEE IF THEIR SALARY
[00:25:02]
WE DO JUST, YOU KNOW, JUST THE ONE PASTE UP THEIR FIXED INCOME. WE DO YOU KNOW WHATEVER. AWARD LETTERS THEY GET, AND THEN WE'LL TAKE THOSE AND THEN LOOK AT THEIR INCOME. GO OVER THERE NORMALIZE EXPENSES LIKE ELECTRICITY, CAR PAYMENTS, CREDIT CARDS, WHATEVER PAYMENTS THEY HAVE, AND THEN THERE'S A CERTAIN AMOUNT THAT YOU KNOW THAT THEY HAVE LEFT OVER. WE CALL THAT ABILITY TO PAY, AND THEN WE STRUCTURE ALONE AROUND THAT MUCH WHICH WE LEAVE THEM SOME LEFTOVER THAT WAY THEY CAN HAVE YOU KNOW MONEY TO DO OTHER THINGS LIKE 20. YOU KNOW, WE DO A RATIO, WHICH IS VERY LOWEST, YOU KNOW, MAKE SURE THEY CAN. AND THEN ONE THING WE DO, TOO, BECAUSE A LOT OF HOMEOWNERS THAT THEY DON'T HAVE THE ABILITY TO PAY BECAUSE THEY DON'T MAKE ENOUGH INCOME AND EXPENSES ARE PRETTY TIGHT. BUT THEN WE KNOW THEY HAVE A FAMILY MEMBER THAT LIVES IN THE HOME A LOT OF TIMES, MAYBE. YOU KNOW MY BROTHER OR SISTER OR SON OR DAUGHTER SOMEONE THAT'S LIVING IN THE HOUSE. EVEN IF THEY'RE NOT LIVING IN THE HOUSE. SOME OF THE HOMEOWNERS ARE LEAVING THESE HOMES TO THEIR KIDS. SO IF THEY PASS AWAY, THE KID MIGHT BE LIVING IN CALIFORNIA. BUT IT'S STILL HIS HOUSE. YOU KNOW, HE'S STILL THEIR HOUSE IF THE PARENT PASSES AWAY. SO WE'LL GIVE THAT PERSON A CHANCE TO POST SIGNS. SO WE'LL SEE IF YOU HAVE AN IMMEDIATE FAMILY MEMBER HAS TO BE LIKE A MOTHER OR BROTHER. THAT SISTER COUSIN SOMEONE THAT'S IMMEDIATE FAMILY THAT HAS THE ABILITY TO PAY THAT HASN'T YOU KNOW HAS GOOD CREDIT? AND HAS THE MONEY TO SHOW THAT THEY CAN PAY. GOD FORBID IF YOU DEFAULT. THEN WE'LL HAVE THAT PERSON COME ON THE LOAN AS A CO SIGNER THAT WITH THEIR CREDITS ON THE LINE AS WELL, AND THEY'LL HELP YOU KNOW THEY'LL HELP WITH THE PAYMENTS. IS THERE A MAXIMUM OUT? CORRECT THE MAXIMUM WE DO FOR HOMEOWNERS, 25,000. DO ANYTHING OR JUST ROOFS RIGHT NOW. WELL, THAT'S FOR ANYTHING.YOU CAN USE THIS PROGRAM FOR ANYTHING BUT BREAST FOR KINDNESS. WHEN PANEL IS TALKING IS ABOUT SUPPLEMENTING SOME OF THE PROJECT. SO IF THE HOMEOWNER QUALIFIES FOR A CERTAIN AMOUNT OF THIRD THAN THEN THE FUN MATCH RIGHT THE SIERRA MATCH WOULD BE FOR RHEUMATIC WILL COME IN AND PROVIDE THE REST OF THE BALANCE, AND THEN THEY'LL JUST MAKE PAYMENTS ON WHATEVER THEY HAVE THE ABILITY TO PAY UM, IS THERE A MAXIMUM LEVEL THAT THE APPLICANT CAN THEY MAKE TOO MUCH MONEY FOR THE PROGRAM? NO L AM I RIGHT? YEAH WE WANT TO FOCUS ON LOW MODERATE INCOME, BUT WE'RE NOT TELLING NOBODY. NO OKAY. I MEAN, YOU GOT A LOT OF MONEY. YEAH, THAT'S WHY WE DO STUFF WITH INVESTORS LIKE INVESTORS AND DEVELOPERS. THEY MIGHT WANT TO COME IN AND SOME OF THOSE PROGRAMS THEY CAN GET A LITTLE BIT MORE LIKE FOR HOMEOWNERS. WE TRY TO STICK OUT OF 25,000. WE DON'T WANT TO BE, YOU KNOW, GIVING IT SOUNDS LIKE IT'S CHEAPER BECAUSE IT'S LONGER WE HAVE LONGER TO PAY. IS THAT RIGHT? CORRECT PEOPLE. I DON'T MIND TAKING LONGER. THEY MAY WANT TO USE THE PROGRAM AS WELL, EVEN THOUGH THEIR INCOME MIGHT BE WHAT WE WOULD CONSIDER. LOWER INCOME. YEAH AND THEY CAN ALWAYS PAY IT OFF WHENEVER THEY WANT. IT'S ALL SIMPLE INTEREST, NO PRE PAYMENT PENALTIES EXTRA. IN CASE OF A SALE. WE BECAUSE THE LOOK BECAUSE THE LOAN IS NOT SECURED WITH THE PROPERTY. TECHNICALLY THEY SOLD THE HOME. WE WOULD LIKE THEM TO PAY OFF THE LOAN THAT IS NOT NECESSARILY NECESSARILY SEE THAT THEY HAVE TO PAY OFF THE LOAN. THEY CAN ALWAYS NEGOTIATE. YOU KNOW, KEEPING THE PAYMENTS ARE WORKING ON A PAYMENT PLAN THAT'S AFFORDABLE, YOU KNOW FOR THEM. UM WHEN THEY SELL THE HOME WITH 2% TO FAULT YOU HAVE MOST PEOPLE PAY IT OFF. CORRECT YES, WE HAVE A LOT OF PEOPLE THAT PAID OFF WHEN THEY GET THEIR TAXES BECAUSE THE LOANS AREN'T SO BIG. THEY'RE THEY'RE MICROLOANS. LOT OF TIMES OF THE HOMEOWNER HAS A YEAR OR TWO LEFT ON THE LONG THEY'LL PAY IT OFF BECAUSE THEY WANT TO GET ANOTHER ONE. SO ITS BRUSH WITH KIND OF, UM, ONLY A CERTAIN AREA WITHIN THE C R A, THE ENTIRE CRE THE ENTIRE CITY AREA, BUT WE FOCUS A LOT ON THE STEWARD, BUT IT IS PROMOTED FOR THE ENTIRE C R. A SO ESSENTIALLY , ANYBODY WITHIN THE C R A COULD COME AND APPLY FOR THIS LOAN, RIGHT? THE $5000 MATCHING PROGRAM. AND BUT THEY HAVE TO BE LOWER OR MIDDLE INCOME. THEY HAVE TO BE LOW INCOME AND THERE HAS TO BE A NEED THAT THEY NEED THAT. IT'S MORE TO FILL THE GAP THAT THEY'RE NOT ABLE TO GET THE FULL LOAN IF THEY CAN GET A FULL LOAN, AND THEY WOULD, BUT IT WAS PROGRAMMED MATTER HOW MUCH THEY MAKE LONG AS THEY'RE IN THAT CR A DISTRICT. I THINK SHE'S GOING TO DO WHAT THEY HAVE TO BE A CERTAIN MAKE A CERTAIN AMOUNT. I DON'T KNOW. MAYBE THAT WOULD BE WITH THE BEST OF TIMES. WE DON'T HAVE THAT. TECHNICALLY LIKE THAT TYPE OF WITHOUT PROGRAM. YOU CAN MAKE HIS MONEY AS YOU WANT, BUT IT'S JUST SOMETIMES PEOPLE MAKE A LOT OF MONEY, BUT THEY SPENT A LOT OF MONEY. SO ONCE YOU LOOK AT THE BUDGET, YOU UNDERSTAND THAT THEY STILL HAVE A OH, HARD TIME COVERING THEIR EXPENSES, EVEN THOUGH THEY MIGHT MAKE A LOT OF MONEY SO THEY WOULD STILL QUALIFY. BUT I DON'T KNOW IF THE BRUSSELS PROGRAM WILL SAY HEY, YOU GUYS, YOU HAVE TO BE LOW INCOME THEN. YEAH THEN THAT WOULD BE SOMETHING THAT WE WOULD REGULATE WITH PANEL. WHATEVER THEY WANT US TO PUT THE NUMBERS THAT ABSOLUTELY KIND OF TOUCHED ON IT EARLIER, UM ITS BRUSH WITH KINDNESS NOT BEING WHEN WAS THE
[00:30:01]
LAST TIME IT WAS USED. WE DID IN 2020 TO REPLACE THE ROOF. UM BUT THAT WAS A LITTLE BIT OUTSIDE OF THE SCOPE, BUT THE LADY WAS REALLY IN NEED FOR REPLACEMENT, SO THEY REALLY WENT OUT OF THEIR WAY TO HELP HELP THE NOT REALLY BEING USED FOR PAINTING LIKE YOU SAID. IT'S PRETTY MUCH DONE. I JUST WANT TO MAKE SURE THAT WE'RE NOT DUPLICATING, BUT NOT NECESSARILY DUPLICATED, BUT YOU'RE HELPING MORE PEOPLE BECAUSE COSTS ARE LOWER WITH THOSE OTHER PROJECTS, WHEREAS THIS HAS LIKE A $5000. YOU'RE ONLY I THINK WAS $20,000. YOU'RE ONLY HELPING FOR PEOPLE A YEAR.WHEREAS BRUSHWOOD KINDNESS YOU WERE HELPING A LITTLE WHILE WE'RE STILL GOING TO CONTINUE BOTH. IF SOMEBODY THAT DOESN'T QUALIFY FOR LOAN AT ALL, JUST BECAUSE THEY'RE VERY, VERY LOW INCOME, THEN WE WILL COORDINATE WITH BRUSH WITH KINDNESS TO SEE HOW WE CAN ASSIST THEM. BUT IF THEY DO QUALIFY FOR A LOAN, WE'D RATHER THEY GO WITH THAT THAT ROUTE, AND THEN WE WOULD JUST HELP TO FILL THE MISSING GAP AND FUNDING. THANK YOU. THANK YOU. THANK YOU SO MUCH. I APPRECIATE IT. THANK YOU FOR HAVING ME. THANK YOU. OKAY, ANY STAFF UPDATE PANEL? UM YOU WILL NOTICE THAT WE HAVE THE CITY CLERK THERE. THEY'RE GONNA BE HANDLING ALL THE BOARD MEETINGS AND JORDAN PINKSTON HAS BEEN PROMOTED TO A C R A PROGRAM MANAGER. SO CONGRATULATIONS TO HER RELATIONS. I DEFINITELY NEED HELP. MY BUDGET HAS GONE OFF. MY PROJECTS HAVE INCREASED, SO I'M GLAD TO HAVE HER ON BOARD. AND THERE ARE NO FURTHER UPDATES FOR ME EXCEPT HAPPY HOLIDAYS AND SEE SOME OF YOU NEXT YEAR, RIGHT? THANK YOU, FRANK FOR YOUR SERVICE, SOMETHING EVEN THOUGH WE'RE ALL DONE WITH PUBLIC COMMENTS COVERED MARK BETTER COME HERE. THIS YEAR, MY HAIR FELL OUT OF GREEN FORM. YEAH. WHEN I WAS GOING TO SAY IS THAT YOU MIGHT WANT TO LOOK AT, UM BROADENING THE THIS PROGRAM JUST SLIGHTLY TO PHOTOVOLTAIC, SOLAR AND AIR CONDITIONING BECAUSE OF THE NEW INFLATION REDUCTION ACT. THERE ARE CREDITS IN THERE THAT CAN BE KEPT BY THE CONTRACTOR, AND YOU GUYS COULD LEVERAGE UP THOSE CREDITS TO MAYBE GET THEM TO DO MORE, UM, AND COVER MORE, BUT THAT MIGHT NOT WORK AS MUCH FOR THE ROOF. BUT IF YOU'VE GOT A COUPLE OF THOSE OTHER ITEMS IN THERE, IT MIGHT BE THAT THE CREDIT YOU GET WILL BE ENOUGH TO COVER THOSE COSTS. AND EVEN IF THEY CAN'T USE THE CREDIT, YOU MIGHT BE ABLE TO PASS THAT CREDIT THROUGH TO THE CONTRACTOR AND FILL OUT THE GREEN FOR THE SAME. ALL RIGHT. IS THERE ANYTHING ELSE?
* This transcript was compiled from uncorrected Closed Captioning.