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Narrative ' <br /> Based on data received from HUD for the NSP1 and NSP3 programs, the areas of greatest need in the ' <br /> City of South Bend were identified as census tracts 6,4, 21, and 5,two of which are located in the Near <br /> Northwest and Near West Side neighborhoods.The City also identified census tracts 19 and 20 as <br /> areas of greatest need based on the data and the foreseen likelihood of foreclosures. ' <br /> Additionally, the geographic allocation of resources was based upon: <br /> • History of the City's focus/redevelopment and support of Community <br /> Development Corporations (CDCs) <br /> • Areas of need per NSP determinations <br /> • Location of most vacant and abandoned structures ' <br /> • High foreclosure rates (NSP) <br /> • Age of housing stock <br /> • High cost loans (NSP) <br /> • Completing the 5-year plan as outlined in the 2015-2019 Housing and Community Development <br /> (HCD) Plan <br /> Mishawaka ' <br /> In 2015, the St.Joseph County Housing Consortium opted to fund housing projects in Mishawaka by r <br /> contracting with agencies directly, rather than through the City of Mishawaka. Subsequently, PY2016 <br /> HOME funds were awarded to Habitat for Humanity for the construction of three (3) single-family ' <br /> homes in Mishawaka. <br /> St.Joseph County <br /> The St.Joseph County Housing Consortium received only one request for 2016 HOME funding from a St. ' <br /> Joseph County agency-the St.Joseph County Housing Authority (SJCHA). The SJCHA requested funding <br /> for direct homebuyer assistance for its First Time Homebuyer Program. Because the program is in the <br /> formation phase, funding to assist one (1) homebuyer was awarded. ' <br /> CAPER 10 ' <br /> OMB Control No:2506-0117(exp.07/31/2015) <br />