Cranberry Creek

Financial	and Technical A

Developed through the Federal Brownfields Partnership
Mine-Scarred Lands Initiative


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Cranberry Creek Financial and Technical Assistance Plan

Prepared for: Brownfields Federal Partnership Mine-Scarred Lands Initiative

Prepared by: SRA International

(Contract No. 68-W-01-048)

3434 Washington Boulevard
Arlington, VA 22201

National Association of Local Government Environmental Professionals (NALGEP)
1333 New Hampshire Avenue, NW
Washington, DC 20036


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Cranberry Creek Financial and Technical Assistance Plan

OVERVIEW

The Cranberry Creek Gateway Park site, located near the City of Hazleton, Pennsylvania, is one
of six national Mine-Scarred Lands Revitalization Demonstration Projects. An interagency effort
to explore opportunities for multiple federal and state agencies to coordinate and collaborate on
the cleanup and redevelopment of mine-scarred lands, the Mine-Scarred Lands Initiative is
supporting the Cranberry Creek Gateway Park Project (Cranberry Creek project) by developing a
financial and technical assistance plan for cleanup, reclamation, and beneficial reuse of the 360-
acre coal mining property known as the Cranberry Creek Gateway Park site. Ideally, this
financial and technical assistance plan will serve as a model for other communities seeking to
reclaim and reuse former mining properties.

The financial and technical assistance plan is intended to serve as a targeted strategy that details
how the Cranberry Creek project can optimize the available mix of federal, state, and local
technical assistance and financial resources to reclaim and reuse the site. The availability of these
resources to offset project costs and enhance project activities will help the Cranberry Creek
Board of Directors establish and implement a definitive redevelopment plan. The financial and
technical assistance plan is organized as follows:

1.0 Approach to Establishing the Plan

2.0 Financial and Technical Assistance Timetable

3.0 Project Specific Activities and Strategies

4.0 Federal, State, and Local Programs Matrix for Mine-Scarred Lands Revitalization

in Pennsylvania
5.0 Program Funding Examples

1.0 Approach to Establishing the Plan

In preparing the plan, the Federal MSL Working Group contracted with SRA (a community and
land revitalization consulting firm) and the National Association of Local Government
Environmental Professionals (NALGEP) to work closely with the Cranberry Creek Board to
develop the plan. The approach includes the following elements:

•	Background research: Conducted internet and literature research of various federal,
state, and local programs that are applicable to economic development and mine-
scarred lands revitalization.

•	Interviews with Program Representatives: Identified key members of each program
and conducted in-person or telephone interviews to gain more knowledge about the
specifics of the programs and its application the Cranberry Creek project.

•	Technical and Financial Assistance Workshop: Organized and facilitated a workshop
in Hazleton, Pennsylvania on May 23, 2006 to familiarize federal, state, and local
representatives with the Cranberry Creek project and discuss specific programs and
resources that are applicable to future reclamation and redevelopment activities, and
discuss key next steps.

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Cranberry Creek Financial and Technical Assistance Plan

• Development of a Targeted Funding and Technical Assistance Strategy: Prepared
this document that summarizes and focuses funding and technical assistance
information based on the specific needs and timeframes of the Cranberry Creek project.

2.0 Financial and Technical Assistance Timetable

The various activities for the Cranberry Creek project can be divided into three broad phases. As
the Cranberry Creek project moves forward, the following activities will require funding and
technical assistance. The timetable is organized in quarter years starting in Quarter 3 of 2007 and
ending in Quarter 3 in 2009 (QR 1: January - March; QR 2: April - June; QR 3: July -
September; QR4: October - December).

Phase I: Restoration and Reclamation of the Site (QR 3, 2006 - QR 4, 2008)

ฆ	Site Reclamation and Compaction

ฆ	Cleanup

ฆ	Creek Restoration

Phase II: Planning for the Future of the Site (QR 3, 2006 - QR 1, 2008)

ฆ	Marketability and Feasibility Study

ฆ	Trails and Greenspace Planning

ฆ	Community Outreach and Engagement

Phase III: Redevelopment of the Site (QR 2, 2007 - QR 3, 2009)

ฆ	Site Access Road and Transportation Enhancements

ฆ	Utility Construction

ฆ	Recreational/Entertainment Facilities Development

ฆ	Trails and Greenspace Development

ฆ	Residential Development

ฆ	Commercial Development

The financial and technical assistance plan includes a timetable that displays the federal or state
agency resource associated with each activity. The timetable, located on page 4, provides a guide
for applying for and utilizing financial and technical assistance resources. Only the programs that
have been identified as a strong fit for the Cranberry Creek project are included in the timetable.
As explained in Section 3, other programs may be pursued to meet the project's needs. Funding
and technical assistance opportunities and programs displayed in the timetable represent
timeframes for utilizing the resources, not the timeframes for applying. In addition, funding
programs may be listed multiple times in the timetable but it is assumed only one grant or loan
would be prepared to cover multiple activities. Specific information on application schedules
and funding levels is provided in Section 4.0.

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Cranberry Creek Financial and Technical Assistance Timetable

ACTIVITIES

PROGRAMS

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Cranberry Creek Financial and Technical Assistance Plan

3.0 Project Specific Activities and Strategies

As determined through research of relevant financial and technical assistance programs and the
discussions that occurred at the May 23, 2006 workshop, a range of assistance programs are
available to the Cranberry Creek project. The Cranberry Creek project is organized in the three
broad phases and accompanying activities identified in the timetable. Funding and technical
assistance programs are organized in terms of their relationship to the Cranberry Creek project
activities. Each need is briefly described and various federal, state, and local funding and
technical assistance sources are listed. Those sources that present the highest opportunity for the
Cranberry Creek project are signaled with a check mark (and represented in the timetable in
Section 2.0). Given the available funding and technical assistance programs, the recommended
approach, next steps, and timing considerations are presented for each funding need. This
funding and technical assistance strategy assumes some level of local and private investment and
that state and federal resources will support only portions of the Cranberry Creek redevelopment
project.

Phase 1: Restoration and Reclamation of the Site (QR 3, 2006 - QR 4, 2008)

The first phase of site redevelopment will involve addressing the restoration and reclamation
activities for the site. These activities will help prepare the site for future redevelopment to be
outlined in the feasibility study.

Site Reclamation and Compaction: This activity involves addressing the site's past mining and
quarry uses through reclamation and creek restoration and addressing future development
opportunities through compaction of reclaimed areas where building is likely to occur. Due to
the cost differences of performing compaction in tandem with reclamation, this activity may be
the most urgent for securing funding.

Possible Funding
and Technical
Assistance Sources

s PA BAMR/OSM Reclamation Funds
s HUD Section 108 Loan Program/CDBG

•	PA DCED - Industrial Sites Reuse Program

•	PA DCED - Growing Greener Funds

•	OSM/VISTAs for Acid Mine Drainage

Recommended
Approach

To avoid costly post-reclamation compaction costs, combine the $2.5 million reclamation and creek
restoration contracted by BAMR/OSM with funds to allow for compaction (e.g., HUD Section
108/CDBG) of portions of the site targeted for redevelopment.

Next Steps

•	Engage the BAMR's site reclamation contractor to determine the possibility of combining
compaction with reclamation.

•	Request that the site development consultants determine the most likely areas for development.

•	Generate estimated funding for compaction of those areas.

•	Set up initial meeting between CAN DO and EPCAMRto seek an OSMA/ISTA position for
Cranberry Creek.

•	Explore the following options for funding the estimated $500,000 to $1 million compaction costs:

ฆ	Meet with Luzerne County Community Development Department and HUD on the use of a
Section 108 Loan to finance compaction costs for 1-3 year period before revenues are
generated to pay back the Section 108 loan. County CDBG funds could be used to pay 108
Loan interest during 1-3 year period.

ฆ	Meet with Luzerne County Commissioners regarding the availability of Growing Greener
funds and funding priorities for the current funding cycle.

ฆ	Investigate use of PA DCED Industrial Sites Reuse Program funds for compaction activities.
Meet with PA DCED representative Scott Dunkelberger to discuss program.

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Cranberry Creek Financial and Technical Assistance Plan

Timing

Considerations

•	Given the dramatic cost savings of performing compaction in tandem with reclamation, it is critical
that additional funds for compaction be secured to supplement BAMR's contractor so that
compaction can be integrated into the 500+ day timetable for site reclamation. Using Section 108
and/or CDBG presents a flexible, time-responsive form of gap financing. Secure compaction funding
by July 15, 2006. BAM R funds have already been allocated to this project. Restoration activities run
from June, 2006, through December, 2007.

•	No set timeframes for PA DCED programs as applications are accepted on a rolling basis.
Application submitted to DCED will be reviewed within 30 days.

•	No set application timeframes for Section 108 Loan program.

Cleanup: CAN DO has already incurred the cleanup costs for the property. However, if
additional environmental cleanup of contaminated soils is needed on portions of the site, several
other funding and technical assistance sources may be pursued.

Possible Funding
and Technical
Assistance Sources

•	HUD Brownfields Economic Development Initiative (BEDI) and Section 108 Loan

•	Luzerne County CDBGs

•	DEP Growing Greener funds (Watershed Grants)

Recommended
Approach

Define contaminated areas and design a cleanup approach that takes into account future land use and
redevelopment needs. Upon completion of the feasibility study, pursue HUD BEDI funding for
additional site cleanup, if needed, and other economic development enhancements (e.g., parking
facilities, infrastructures).

Next Steps

•	Schedule a meeting with Luzerne County, HUD, and CAN DO in November of 2006 to discuss the
site development plan (based on the feasibility study) and the appropriate activities for BEDI/Section
108 Loan Funds.

•	Explore the mechanics of the Section 108 loan component of BEDI funding including CDBG pledge
requirements by Luzerne County.

Timing

Considerations

•	BEDI Applications are typically due in the May to July timeframe of each year. If application
preparations are made beginning in November of 2006, a sound BEDI application can be developed
and submitted in 2007.

•	Meet with Luzerne County Commissioners regarding the availability of Growing Greener funds and
funding priorities for future funding cycles.

Creek Restoration: Creek restoration activities have begun on the southeastern portion of the
site and will continue through the northern portion. Creek restoration activities and associated
funding sources will primarily come from state agencies.

Possible Funding and
Technical Assistance
Sources

^PABAMR
^EPCAMR

Recommended
Approach

Rely on existing relationship with PADEP BAMR and associated expertise to conduct creek restoration
activities to restore the creek bed to historic placement. Supplement BAMR efforts with broader acid-
mine drainage cleanup efforts supported by OSMA/ISTA.

Next Steps

•	Discuss possibility of EPCAMR helping with innovative designs for acid-mine drainage system.

•	Set up initial meeting between CAN DO and EPCAMR to seek an OSMA/ISTA position for
Cranberry Creek.

Timing

Considerations

BAMR funds have already been allocated to this project. Restoration activities run from June, 2006,
through December, 2007.

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Cranberry Creek Financial and Technical Assistance Plan

Phase IE: Planning for the Future of the Site (QR 3, 2006 - QR 1, 2008)

Planning for the future of the site will occur concurrently with ongoing reclamation, compaction,
and creek restoration activities. The most critical planning activities will conclude in Quarter 4 of
2006 with the completion of the feasibility study.

Marketability and Feasibility Study: The current Cranberry Creek marketability and feasibility
study will characterize market conditions, solidify feasible development options, and establish a
business-oriented strategic plan for marketing and developing the Cranberry Creek site. During
the marketability and feasibility study, alternative concept plans will be created to help establish
reuse concepts and ultimately a definitive development plan for the site. The financial and
technical assistance information outlined in this plan should be combined with the results of the
marketability and feasibility study to provide a clear strategy for moving forward with
redevelopment.

Possible Funding and
Technical Assistance
Sources

s Commonwealth Financing Authority
s Luzerne County Office of Community Development

Recommended
Approach

The marketability and feasibility team (SRA) will finalize the marketability and feasibility study by
October 2006 and a definitive development plan will be established.

Next Steps

•	Cranberry Creek Board of Directors will review the marketability analysis and alternative concept
plans and prioritize a plan.

•	Site marketability will be analyzed.

•	Preferred development concepts will be determined.

•	The results of the marketability and feasibility study will be presented to federal, state, and local
partners as follow-up to the May 23rd meeting.

•	The approved business (strategic) plan will be marketed to interested developers and appropriate
public financing will be explored.

Timing

Considerations

The marketability and feasibility study, including the alternative concept plans, will be completed in
October 2006.

Trails and Greenspace Planning: This activity involves identifying portions of the site that lend
themselves to supporting trails and greenspace. Trails and greenspace areas will enhance
developed portions of the site and since compaction is generally not necessary for greenspace
and trails development, overall site development costs can be better managed.

Possible Funding and
Technical Assistance
Sources

s NPS - Rivers, Trails, and Conservation Assistance Program
• PA DCNR

Recommended
Approach

Involve David Lange of NPS in concept and feasibility planning and combine NPS planning assistance
with the current marketability and feasibility study to lay out trails and greenspace components of the
property as well as linkages to other transportation and recreational offerings in the community.

Next Steps

•	Contact PA DCNR to identify which programs (e.g., acquisition/development grants, community
grants, PA Recreational Trails Program) are applicable to the Cranberry Creek site.

•	Involve David Lange in marketability and feasibility study meetings held by the Cranberry Creek
Board of Directors.

•	Investigate potential of linking trails on the site with larger trail development plans in the county and
surrounding region.

Timing

Considerations

•	Though the NPS Technical Assistance cycle has passed for 2006, NPS has agreed to provide
technical assistance to the project and participate in planning meetings.

•	Open application period for PA DCNR grants runs from May 6, 2006 through September 29, 2006.

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Cranberry Creek Financial and Technical Assistance Plan

Community Outreach and Engagement: This activity includes continuing community
involvement activities and building on the successes of the community engagement process laid
out by the Mine-Scarred Lands Initiative.

Possible Funding
and Technical
Assistance Sources

s EPCAMR/OSMA/ISTA- Technical assistance and expertise
s MSL Working Group- Community Engagement Plan

Recommended
Approach

Using the Community Engagement Plan as a starting point, work with EPCAMRto discuss potential
public outreach and education activities (e.g., including OSMA/ISTA support) during the
redevelopment process.

Next Steps

•	Cranberry Creek Board of Directors to set up a meeting with EPCAMR personnel about the
possibility of seeking an OSMA/ISTA position for Cranberry Creek.

•	Determine if historical or tourism components could be included in the site redevelopment as
EPCAMR has experience in these areas.

•	Continue to implement the community engagement plan created for the project.

Timing

Considerations

Community outreach and engagement should occur throughout the duration of the Cranberry Creek
project as described in the Cranberry Creek Community Engagement Plan. Technical assistance from
the MSL working group will end in August, 2006.

Phase III: Redevelopment of the Site (QR 2, 2007 - QR 3, 2009)

The third phase involves actual construction activities related to infrastructure, building, and
other development. While the specific composition of development components remains
unspecified prior to completion of the feasibility study, a preliminary list of development
components includes several important activities. In general, it is assumed that the Cranberry
Creek Board of Directions will serve as the master planner and initial site preparation entity and
that vertical development (e.g., residential and commercial facilities) will be performed by other
private or public entities.

Site Access Road and Transportation Enhancements: Site access and transportation
enhancements are necessary if the site is to achieve optimal reuse.

Possible Funding
and Technical
Assistance Sources

s ARC - Access Road Funding for primary access

s HUD -BEDI/Section 108 Loan for road construction related to initial commercial/economic
development program

s PA DCED - Infrastructure Development Program (IDP) for primary and secondary access through
potential grants or loans

s PA DCED - Business In Our Sites Program Infrastructure Development Program for primary and
secondary access through potential grants or loans
s PA Housing and Redevelopment Assistance Program

Recommended
Approach

Integrate a blend of road construction related programs in support of specific development
components (e.g., primary access, housing, commercial development) to offset private investment
needs. Calculate overall funding needs assuming the availability of approximately $250,000 in ARC
access road funds and then pursue additional road construction and transportation enhancements
through recommended funding programs.

Next Steps

•	After completion of the feasibility analysis, conduct a meeting with Scott Dunkelberger at PA DCED
to determine the composition of grant to loan funds that PA DCED would issue for the site given the
proposed development.

•	Through pro forma analysis and developer interest, the Cranberry Creek Board should determine
the need for grant versus a loan for pursuing the Business In Our Sites funding.

•	Meet with Luzerne County since the county would be the most likely entity to apply for funding with
Housing and Redevelopment Assistance Program.

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Cranberry Creek Financial and Technical Assistance Plan



•	Application for funding should be submitted for FY08 cycle (July 2007) with Housing and
Redevelopment Assistance Program.

•	Identify the most immediate commercial/economic development component for the site to be funded
through HUD's BEDI Program (coupled with HUD loan guarantee).

•	Follow up with NEPAto determine usability of ARC - Access Road Funding during the next fiscal
year cycle (July 2007).

•	Make a presentation to NEPA representatives to identify the Cranberry Creek project as a potential
funding priority.

Timing

Considerations

•	Meet with Luzerne County Community Development Department and HUD on the use of a Section
108 Loan Guarantee to finance road construction.

•	Application for funding should be submitted for FY08 cycle (July 2007) with Housing and
Redevelopment Assistance Program.

•	Cranberry Creek project funding needs should be articulated through the NEPA input and funding
decision-making process based on NEPA/ARC's funding calendar. N EPA/ARC funding priority
meetings occur in June 2007. Presentation to NEPA representatives should occur in November
2006.

•	No set timeframes for PA DCED programs as applications are accepted on a rolling basis.
Application submitted to DCED will be reviewed within 30 days. PA DCED loan terms vary but may
be structured for up to 15 years.

Utility Construction: There will be numerous utility infrastructure needs for the site once the
development plan is established. Utilities that need to be considered include, water, sewage,
cable, and power.

Possible Funding and
Technical Assistance
Sources

s HUD -BEDI/Section 108 Loan for utility construction related to initial commercial/economic
development program

s PA DCED - Infrastructure Development Program
s PA DCED - Business In Our Sites Program

s PA Housing and Redevelopment Assistance Program for utility construction related to affordable
housing options

s PENNVEST-Brownfields Remediation Funding

•	USDA - Community Facilities Program

•	PennDOT - Pennsylvania Infrastructure Bank (PIB)

Recommended
Approach

Integrate a blend of utility construction related programs in support of specific development
components (e.g., power to commercial development, housing) to offset private investment needs.

Next Steps

•	After completion of the feasibility analysis, conduct a meeting with Scott Dunkelberger at PA DCED
to determine the composition of grant to loan funds that PA DCED would issue for the site given the
proposed development.

•	Through pro forma analysis and developer interest, the Cranberry Creek Board should determine
the need for grant versus a loan for pursuing the Business In Our Sites funding.

•	Infrastructure Development Program may serve as gap financing during a transition period on the
redevelopment.

•	Meet with Luzerne County since county would be the most likely entity to apply for funding with
Housing and Redevelopment Assistance Program.

•	Meet with Luzerne County Community Development Department and HUD on the use of a Section
108 Loan Guarantee.

•	Apply for funding for FY08 cycle (July 1007) with Housing and Redevelopment Assistance Program.

•	Identify the most immediate commercial/economic development component for the site to be funded
through HUD's BEDI Program (coupled with HUD loan guarantee).

•	If public facility construction (e.g., community center, library) is identified as a potential
redevelopment option, investigate use of Community Facilities' Program loan, loan guarantee, or
grant.

•	Investigate use of PIB loans for drainage structures and roadway improvements.

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Cranberry Creek Financial and Technical Assistance Plan

Timing

Considerations

•	For the Housing and Redevelopment Assistance Program, if pre-appiication activities are completed
at the end of 2006, a sound application can be developed and submitted by July 2007.

•	BEDI Applications are typically due in the May to July timeframe of each year. If application
preparations are made beginning in November of 2006, a sound BEDI application can be developed
and submitted in 2007.

•	No set timeframes for PA DCED programs as applications are accepted on a rolling basis.
Application submitted to DCED will be reviewed within 30 days.

•	PENNVEST applicants will only apply for financing for projects that are expected to commence
within three years of the date of the application. PENNVEST currently takes action on applications
three times each year at Board meetings held in March, July and November. Applications are due
60 days prior to the date of the Board meeting.

•	No set timeframes for USDA program as pre-applications are accepted on a rolling basis.

Recreational Facilities Development: The Cranberry Creek site will provide an opportunity to
create valuable recreational facilities for the community. Aside from area golf courses,
recreational facilities, including team sports facilities, are limited throughout the region.

Possible Funding and
Technical Assistance
Sources

s USDA-Community Facilities Program
• NPS - Rivers, Trails, and Conservation Assistance Program

Recommended
Approach

Work with USDA representatives to identify appropriate applicant (non-profit or municipality) for
Community Facilities Program and identify bank for loan administration.

Next Steps

•	Follow Congressional appropriations to ensure funding is allocated for next fiscal year.

•	Discuss application with Luzerne County and CAN DO Foundation to determine appropriate
applicant.

•	Work with David Lange to identify resources and assistance for trail development and greenspace
conservation.

Timing

Considerations

•	NEPA/EDA funding priority meetings occur in June 2007. Presentation to NEPA representatives
should occur in November 2006.

•	Utilize NPS Technical Assistance cycle for FY08. The national deadline for projects set to start the
following fiscal year (October 1 through September 30) is August 1. Upon completion of the
marketability and feasibility study, the Cranberry Creek project should identify the most efficient use
of the technical assistance.

•	No set timeframes for USDA program as pre-applications are accepted on a rolling basis.

Trails and Greenspace Development: Using the concept plan which identified the placement of
trails and greenspace, begin implementing development plans for these areas.

Possible Funding and
Technical Assistance
Sources

s NPS - Rivers, Trails, and Conservation Assistance Program

•	PA DCNR

•	EPCAMR

Recommended
Approach

Build upon relationship developed with NPS during the planning of trails and greenspace development
to ensure technical assistance remains available. Contact David Lange at NPS to discuss technical
assistance available.

Next Steps

•	Contact PA DCNR to identify which programs (e.g., acquisition/development grants, community
grants, PA Recreational Trails Program) are applicable to the Cranberry Creek site.

•	Investigate potential of linking trails on the site with larger trail development plans in the county and
surround region.

•	Work with EPCAMR and other community groups to assist with planting and trail development.

Timing

Considerations

• NPS has agreed to provide technical assistance to the project and participate in planning meetings
during the current marketability and feasibility analysis stage. Utilize NPS Technical Assistance
cycle for FY08. The national deadline for projects set to start the following fiscal year (October 1
through September 30) is August 1. Cranberry Creek project should wait until after the marketability

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Cranberry Creek Financial and Technical Assistance Plan

and feasibility analysis is complete to identify the most efficient use of the technical assistance.
• Open application period for PA DCNR grants runs from May 6, 2006 through September 29, 2006.

Commercial Development: The development plan will include commercial and retail options
for the site. Commercial development could include office space, restaurants, conference space,
and retail options.

Possible Funding and
Technical Assistance
Sources

•	Private Developer

•	HUD BEDI/Section 108

•	NEPA

•	EDA - Economic Adjustment Assistance Program

•	EDA - Public Works and Economic Facilities Program

•	New Markets Tax Credits

Recommended
Approach

Use BEDI/Section108 for most immediate commercial/economic development component and
combine BEDI/Section 108 with private investment leveraged through New Markets Tax Credits
(NMTC).

Next Steps

•	Meet with Luzerne County officials to secure CDBG funds as collateral for Section 108 loan.

•	While applying for 108 loan, apply for BEDI Grant on the first portion of the site identified for
redevelopment.

•	Make a presentation to NEPA representatives in November 2006 for FY08 funding priorities.

•	Investigate potential use of NMTCs by identifying a Community Development Entity (CDE):

ฆ Three CDEs have identified PA a primary market for investing in projects. CDEs provide
capital to brownfields redevelopment projects. The three CDEs include:

-	Chevron NMTC Fund, LLC from San Francisco, CA

-	Telesis CDE Corporation from Washington, DC

-	UA LLC from New York, NY

•	To satisfy EDA program requirements, cultivate entrepreneurship productivity into the site
redevelopment plans.

•	Strengthen community component through use of the Cranberry Creek Community Engagement
Plan to meet NEPA and EDA criteria.

Timing

Considerations

•	Upon completion of the marketability and feasibility analysis, identify the first portion of the site
where redevelopment activities will occur. Successful BEDI applications use funds for activities on
one portion/parcel at a time. Asecond Section 108 loan may be used for these activities, assuming
Luzerne County CDBG funds are available.

•	Cranberry Creek project funding needs should be articulated through the NEPA input and funding
decision-making process based on NEPA/EDA's funding calendar. NEPA/EDA funding priority
meetings occur in June. Presentation to NEPA representatives should occur in the fall/winter of
2007 for 2008 project funding.

Residential and/or Housing Development: Community development will be enhanced with the
planning of residential and housing development. Consideration will need to be placed on the
targeted markets for this development.

Possible Funding and
Technical Assistance
Sources

•	Private investment and residential developers

•	PA DCED - Housing and Redevelopment Assistance program

Recommended
Approach

Determine the market for residential development including marketable housing types, number of
units, average time of houses on the market, extent of housing supply in the area and the
corresponding demand. Housing information combined with the results of the marketability and
feasibility analysis will help determine likelihood of residential and/or housing development.

Next Steps

•	Complete the site market and feasibility study.

•	Based on results of marketability and feasibility study, market the site to residential developers.

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Cranberry Creek Financial and Technical Assistance Plan

If marketability and feasibility study reveals a demand for low or moderate income housing in the area
and if this is a redevelopment option the Board would like to pursue, Housing and Redevelopment
Assistance program could be utilized for the construction of new rental or homeownership. Program
awards funds throughout the year although the beginning date for all contracts is July 1. All contracts
are for a three-year period. July 2007 may be too aggressive of a deadline to pursue for this activity
and Cranberry Creek project may wait until July 2008.	

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4.0 Cranberry Creek Funding Matrix: Preliminary List of Potential Funding Sources

Funding &

Funding &

Eligible

Eligible

Funding

Restrictions

Program Facts &

Initial

Contact Information

Technical

Technical

Entity

Activities

Timeline



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and

national average

planning process resulting

determine

215-597-1063

Program





enterprises to help

processed as

unemployment rate;

in a Comprehensive

whether

Draetsch@eda.doc.aov







create new,

received

2) per capita income

Economic Development

preparation of a









permanent jobs



that is 80% or less of

Strategy (CEDS) tailored

project proposal

Ed Hummel







• Economic



the national per

to the community's

is appropriate

PA EDA Rep.







adjustment



capita average

specific economic

• If appropriate,

215-597-6767







projects in regions



income; or 3) a

problems and

applicant would

ehummel@eda.doc.aov







impacted by coal



special need, as

opportunities

prepare a formal









industry



determined by EDA,

• Implementation

application









downsizing



arising from actual or

Investments support one















threatened severe

or more activities identified















unemployment or

in an EDA-approved















economic adjustment

CEDS















problems







13


-------
Funding &

Funding &

Eligible

Eligible

Funding

Restrictions

Program Facts &

Initial

Contact

Technical

Technical

Entity

Activities

Timeline



Additional Items

Application

Information

Assistance

Assistance











Steps



Source

Levels















(Federal)

















Department of

• $4,385,920:

Metropolitan

• Facilitate

Cranberry Creek

• HUD requires

• Non-competitive program

• Contact local

Paul Webster

Housing and

Hazleton's

cities and

economic

Gateway Park

community's (i.e.,

• Can be used

HUD office

HUD Section 108

Urban

2006

urban counties

development,

Project may

Luzerne County)

independently of BEDI

• No 'formal"

Director

Development

allocation

(CDBG

including assisting

apply once the

CDBG funds as

• Provides confidence to

application

202-708-1871

(HUD) -

• $25,656,030:

entitlement

a for-profit

current year's

collateral on the loan

private lenders when

forms

Paul Webster@hud.

Section 108

Luzerne

recipients)

developer

CDBG funding

guarantee

issuing loans

• After consulting

gov

Loan

County's 2006



• Acquisition in

allocations are

• Cranberry Creek

• 108 funds can be used by

with the local



Guarantee

allocation



whole or in part of

approved in the

Gateway Park

an investor organization

HUD office and

Andrea Edwards







real property

current year's

Project must show

as equity to invest in a

the preparation

Spence







• Construction,

federal budget;

how loan would be

CDE

of the final

Regional Contact for







reconstruction,

Maximum

repaid if CDBG

• Project must meet at

application, the

BEDI and 108







rehabilitation, or

repayment period

funds were

least one CDBG national

local office will

215-656-0626







installation of

is 20 years

unavailable (other

objective: 1) benefit low-

conduct a "due

andrea edwards-







public facilities



sources of financing

and moderate-income

diligence and

SDence@hud.aov







and improvements



for the project, site

persons; 2) eliminate

compliance









(including streets,



appraisals, etc.)

slums or blight; or 3)

review"









sidewalks, etc.)





address imminent threats
and urgent needs





Department of

$10 million

• CDBG

• Facilitate

Applications

• Can only be used in

• Cranberry Creek

• Cranberry

David Kaminsky

Housing and

allocated

entitlement

economic

must be received

conjunction with

Gateway Park Project

Creek project

HUD BEDI Specialist

Urban

nationally for

and non-

development,

by June 15*1

Section 108 loan

should focus on one

would work with

202-708-0614x4612

Development

2006 with

entitlement

including assisting



guarantee

portion or site of the

local HUD office

David Kaminskv@hu

(HUD) -

maximum of $1

communities

a for-profit



• Minimum Section

overall project with each

on BEDI grant

d.gov

Brownfields

million award

eligible to

developer



108-to-BEDI ratio of

application

• Request for a



Economic

per applicant

receive

• Acquisition in



1:1 (higher ratio

• Project must meet at

new Section

Andrea Edwards

Development



Section 108

whole or in part of



demonstrated by

least one CDBG national

108 loan

Spence

Initiative



• Applicant

real property



applicant will be

objective: 1) benefit low-

guarantee

Regional Contact for

(BEDI) Grant



must be a

• Construction,



scored higher)

and moderate-income

authority must

BEDI and 108





unit of local

reconstruction,





persons; 2) eliminate of

accompany

215-656-0626





government

rehabilitation, or





slums or blight; or 3)

each BEDI

andrea edwards-





• Luzerne

installation of





address imminent threats

application

SDence@hud.aov





County and

public facilities





and urgent needs









City of

and improvements















Hazleton

(including streets,















may apply

sidewalks, etc.)















jointly













14


-------
Funding &

Funding &

Eligible

Eligible

Funding

Restrictions

Program Facts & Additional

Initial Application

Contact

Technical

Technical

Entity

Activities

Timeline



Items

Steps

Information

Assistance

Assistance















Source

Levels















(Federal)

















Appalachian

Approximately

State and

Funds are

Cranberry Creek

Cranberry

• Projects need to be completed

Contact the state

Eric Stockton

Regional

$200-250 K per

local

awarded to

Gateway Park

Creek Gateway

in conjunction with other

ARC program

ARC

Commission

local

agencies,

projects that focus

Project should

Park Project

agencies

manager (Neil

202-884-7752

(ARC) -

development

government

activities on one of

focus

has to line up a

• Projects go through an in-depth

Fowler) to request a

estockton(ฎarc.aov

General

district

entities, and

four strategic plan

applications on

50:50 match

ranking process during

pre-application



Funding



nonprofit

goals for the

July/August 2007

ratio for funds

evaluation

package

Neil Fowler





organizations

Appalachia region

funding



• Northeastern Pennsylvania



Dir. Appalachian







identified by ARC:





Alliance (NEPA) identifies



Dev. Center







1) increase job





projects and submits project



717-214-5395







opportunities; 2)





rankings for the Hazleton area



nfowler(ฎstate.pa.us







strengthen the





for ARC; Cranberry Creek











capacity of the





Project should work closely with



Tom Pelligrini







people; 3) develop





NEPA



NEPA







and improve









570-655-5881 x241







infrastructure; or 4)









toellea ri n i(ฎ neoa -







build the









allicance.ora







Appalachian

















Development

















Highway System











Appalachian

Approximately 4

State and

Funds are

Cranberry Creek

Cranberry

• Same ranking process as

• Projects can only

Eric Stockton

Regional

projects per year

local

awarded for road

Gateway Park

Creek Gateway

general funding, but not as

be submitted to

ARC

Commission

at $250K each

agencies,

planning and

Project should

Park Project

competitive

ARC by the state

202-884-7752

(ARC) -



government

construction,

focus

has to line up a

• Cranberry Creek Gateway Park

member of ARC

estockton@arc.aov

Access Road



entities, and

including

applications on

80:20 match

Project needs to engage PA

• ARC'S



Funding



nonprofit

recreational,

July/August 2007

ratio for funds

DOT for this application

Transportation staff

Neil Fowler





organizations

residential, and

funding

(with ARC

• Northeastern Pennsylvania

review local access

Dir. Appalachian







commercial road



funding the

Alliance (NEPA) identifies

road project

Dev. Center







use



80% portion)

projects and submits project

submissions and

717-214-5395













rankings for the Hazleton area

make

nfowler(ฎstate.pa.us













for ARC; Cranberry Creek

recommendations















Gateway Park Project should

to the ARC's

Tom Pellig rini













work closely with NEPA

Federal Co-Chair

NEPA















570-655-5881 x241

















toellea ri n i(ฎ neoa -

















allicance.ora

15


-------
Funding &

Funding &

Eligible

Eligible Activities

Funding

Restrictions

Program Facts & Additional

Initial

Contact

Technical

Technical

Entity



Timeline



Items

Application

Information

Assistance

Assistance











Steps



Source

Levels















(Federal)

















U. S. Department

Maximum

Corporations,

Buildings and real

N/A

Business is judged

• Applicant applies directly to the

• Rural

M ike Angerson

of Agriculture

loan

partnerships,

estate



on a scoring

participating bank

Development

Rural Development

(USDA) -

guarantee is

nonprofit





system (minimum

• USDA coordinates with the

forms found

Specialist

Business &

$25 million up

entities,





number of jobs

banker for the loan

online at

570-836-4157 x118

Industry

to 80% of a

municipalities,





created is not a

• Multiple banks participate in this

http://www.sc.ea

Michael. Anaerson@p

Guaranteed

loan

counties, or





requirement)

program; USDA contacts are

ov.usda.aov/

a.usda.aov

Loan Program*



other local
governments







available to provide names of
specific banks
• Program may lower the interest
rate and lengthens the term of

• For information
on which forms
to fill out, contact
Mike or Linda at

Linda Taylor
Rural Development
Manager













the loan for the applicant

Wyoming Local

570-836-4157 x120













Office,

Tunkhannock,
PA

Linda.Tavlor@Da.usd
a. gov

U. S. Department

Average

Public entity

Primarily available to

N/A

N/A

• Program would only assist small

• Rural

M ike Angerson

of Agriculture

maximum of

or nonprofit

conduct regional and





and emerging businesses

Development

Rural Development

(USDA) - Rural

$50K per

corporations

community economic





• Cranberry Creek Gateway Park

forms found

Specialist

Business

applicant



development





Project must have significant

online at

570-836-4157 x118

Opportunity





planning and related





expertise in the activities it

hto://www.sc.ea

Michael. Anaerson@p

Grant Program





training, including
marketability and
feasibility studies





proposes to carry out with the
grant funds

ov.usda.aov/
• For information
on which forms
to fill out, contact
Mike or Linda at
Wyoming Local
Office,

Tunkhannock,

PA

a.usda.aov

Linda Taylor
Rural Development
Manager

570-836-4157 x120
Linda.Tavlor@oa.usd
a. gov

*USDA programs more applicable to CAN DO

16


-------
Funding &

Funding &

Eligible

Eligible Activities

Funding

Restrictions

Program Facts &

Initial

Contact

Technical

Technical

Entity



Timeline



Additional Items

Application

Information

Assistance

Assistance











Steps



Source

Levels















(Federal)

















U. S. Department

Maximum of

Nonprofits,

• To facilitate the

After pre-

Small and emerging

Program would only assist

• Rural

M ike Angerson

of Agriculture

$99K per

local

development of

application is

businesses must

small and emerging

Development

Rural Development

(USDA) - Rural

applicant

governments,

small and emerging

submitted,

have fewer than 50

businesses

forms found

Specialist

Business



public

for-profit and

USDA will

employees and less



online at

570-836-4157 x118

Enterprise Grant



agencies

nonprofit small

determine

than $1 million in



http://www.sc.ea

Michael. Anaerson@p

Program*





businesses
• Grants may be
used for funding
infrastructure
development,
including roads,
utility extensions,
and water supply

eligibility and
inform

Cranberry Creek
Gateway Park
Project to
assemble and
submit formal
application

revenue



ov.usda.aov/
• For information
on which forms
to fill out, contact
Mike or Linda at
Wyoming Local
Office,

Tunkhannock,

PA

a.usda.aov

Linda Taylor
Rural Development
Manager

570-836-4157 x120
Linda.Tavlor@Da.usd
a. gov

U. S. Department

PA received

Private

Buildings and real

N/A

• All of the IRP loan

• Program capitalizes

• Rural

M ike Angerson

of Agriculture

$500 K in

nonprofit

estate



funds received by

locally-run revolving loan

Development

Rural Development

(USDA) -

FY04 for

corporations





an intermediary

funds for small businesses;

forms found

Specialist

intermediary

distribution as

and public





must be re-loaned

Cranberry Creek Gateway

online at

570-836-4157 x118

Relending

loans

agencies





to ultimate

Park Project could be the

hto://www.sc.ea

Michael. Anaerson@p

Program (IRP)*









recipients

administrator of the RLF

ov.usda.aov/

a.usda.aov











• All loans to

• Excellent way of assisting

• For information

Linda Taylor











intermediaries must

small businesses or

on which forms











be adequately

business incubators

to fill out, contact

Rural Development











secured

•	Loans to intermediaries
are scheduled for
repayment over a period of
up to 30 years

•	Interest rates on loans is
1% annually

Mike or Linda at
Wyoming Local
Office,

Tunkhannock,
PA

Manager

570-836-4157 x120
Linda.Tavlor@oa.usd
a. gov

U. S. Department

Varies by

Certified

• Land acquisition

NMTC

M ust serve, or

• CDE receives an allocation

Identify potential

NMTC Support Line

of Treasury:

applicant

Community

• Site preparation

applications due

provide investment

of tax credits and CDE

CDEs investing in

202-622-6355

New Markets



Development

• Construction

in September

capital, for low-

secures investors

projects in PA

httD://www.cdfifund.a

Tax Credits



Entity (CDE)

• Infrastructure



income communities

• CDE uses investor equity



ov/what we do/over

(NMTC)











to make investments in



view, asp

Program











low-income investments





*USDA programs more applicable to CAN DO

17


-------
Funding &

Funding &

Eligible

Eligible

Funding

Restrictions

Program Facts &

Initial

Contact

Technical

Technical

Entity

Activities

Timeline



Additional Items

Application

Information

Assistance

Assistance











Steps



Source

Levels















(Federal)

















Department of

Technical

Nonprofit or

• Assist with

RTCA receives

Technical assistance

• RTCA may be able to

• Application

David Lange

Interior (DO!) -

assistance

government

regional

applications in

support

commit staff consultation

instructions on

RTCA Program

National Park

and trail

entities

recreational

August and makes



resources during the

RTCA web site:

Manager

Service: Rivers,

planning



planning

decisions in



upcoming marketability

http://www.nps.ci

215-597-6477

Trails, and

support



• Opportunities

Sept./Oct. for



assessment process

ov/ncrc/proaram

david a lanae(ฎnps.

Conservation





may exist to

support during that



without completing formal

s/rtca/contactus/

gov

Assistance





make linkages

fiscal year



application process

cu applv details



(RTCA) Program





with Cranberry





• Should try to tie the

.html

Ruth Lodder







Creek site and





recreational and

• Contact David

DOI Office of







2004 Luzerne





greenspace aspects of the

Lange for

Environmental Policy







County Open





site into the community

possible staff

and Compliance







Space and







consultation

Ruth Lodderฎios. do







Greenway Plan







resources

i.qov

Department of

State

Nonprofit

Projects that

Applications

Federal, state, and

Applicants must have

Download an

T. Allan Comp, Ph.D.

Interior (DOI) -

Reclamation

organizations,

eliminate acid mine

accepted until all

local governments

financial management and

application fact

202-208-2836

Office of Surface

Grants of

especially

drainage from

available funds are

are not eligible to

internal control systems

sheet (SF-424

TCOMP@osmre.aov

Mining: Clean

various

small

abandoned coal

awarded

receive funding

adequate to manage federal

Form) from OSM



Streams

amounts

watershed

mines



directly

funds

web site

David Hamilton

Initiative



groups











Clean Streams

















Coordinator

















717-782-2285x15

















dhamil(ฎosmre.aov

Department of

Full-time

Local

• Organize water

N/A

• Non-federal cost-

OSM/VISTA position is for 3

Complete

T. Allan Comp, Ph.D.

Interior (DOI) -

OSM/VISTA

watershed

quality



share required

years

extensive VISTA

202-208-2836

Office of Surface

position

groups

monitoring



($5500)



application that

TCOMP(ฎosmre.aav

Mining:





• Community



• Sponsoring



documents the



OSM/VISTA





outreach and



organization must



poverty of the



Watershed





awareness



demonstrate its



watershed, the



Development





• Engage in



capacity for



support of local



Team





economic



effective



agencies,









revitalization



supervision and



adherence to Core









efforts



support of



Goals for









• Assist in finding



OSM/VISTA and



OSM/VISTA Team,









funding for



adherence to the



and a work plan









revitalization



Core Goals for













efforts



OSM/VISTA







18


-------
Funding &

Funding &

Eligible Entity

Eligible

Funding

Restrictions

Program Facts &

Initial Application

Contact

Technical

Technical



Activities

Timeline



Additional Items

Steps

Information

Assistance

Assistance















Source (State)

Levels















PA Business

• Grants and

• Public entities

• Reuse and

Rolling

• A 25% match is

• Cranberry Creek Gateway

• Cranberry Creek

Scott Dunkelberger

Assistance

loans up to

• Private

redevelopment

applications

required for grant

Park Project should

Gateway Park

PA DCED

Programs:

$200 K for

nonprofit

of former



and loan projects

highlight Hazleton's

Project must

717-787-7120

Industrial Sites

environmental

economic

industrial land



• Interest rates of 2%

distressed climate

submit a Letter of

sdunkel(ฎdoc. state

Reuse Program

assessments

development

and sites



up to 5 years for

• As Governor is prioritizing

Intent (LOI)to PA

.pa.us



• Grants and

groups

• Phase I, II and



assessments and

this type of reuse,

DCED





loans up to $1



III



15 years for

Cranberry Creek Gateway

• www.newPA.com





million for



environmental



remediation

Park Project should







remediation



assessments
• Remediation of
hazardous
substances



projects

highlight that the site is a
brownfield and mine-
scarred land
• Program administered
through PA Dep. Of
Community and Economic
Development who was an
initial project stakeholder





PA Business

Loans and

Municipalities,

• Public and

Application

• Loans at 3%

• Cranberry Creek Gateway

• Cranberry Creek

Scott Dunkelberger

Assistance

grants up to

industrial

private

submitted to

interest rate (up to

Park Project should

Gateway Park

PA DCED

Programs:

$1.25 million

development

infrastructure

DCED will be

15 year term) for

highlight Hazleton's

Project can apply

717-787-7120

Infrastructure



authorities, or

improvements,

reviewed

eligible privately-

distressed climate

through the local

sdunkel(ฎdoc. state

Development



local

including water

within 30 days

owned

• As Governor is prioritizing

Redevelopment

.pa.us

Program (IDP)



development

and sewer



infrastructure

this type of reuse,

Authority,







districts may

systems



improvements

Cranberry Creek Gateway

Municipality, or







apply on behalf

• Transportation



• 2:1 private to public

Park Project should

Development







of eligible

facilities



match required

highlight that the site is a

District







private

• Land



• $25,000 cost per

brownfield and mine-

• www.newPA.com







companies

remediation



job to be created

scarred land









engaged in:





within 5 years or 10

• Program administered









• Agriculture





new full-time

through PA Dept. of









• Industrial





equivalent jobs

Community and Economic









• Manufacturing





(whichever is

Development who was an









• Research and





greater)

initial project stakeholder









Development

















• Export

















companies













19


-------
Funding &

Funding &

Eligible

Eligible

Funding

Restrictions

Program Facts &

Initial Application

Contact

Technical

Technical

Entity

Activities

Timeline



Additional Items

Steps

Information

Assistance

Assistance















Source (State)

Levels















PA Business

Business

Non-taxable

• Land acquisition

PEDFA Board

• Loans through bond

• Cranberry Creek

• All applications

Scott Dunkelberger

Assistance

development

funding for

• New construction

meets to review

issue

Gateway Park Project

submitted by

PA DCED

Programs: PA

for projects

manufacturing

• Tax-exempt

projects in Jan,

• Weekly variable rate

should highlight

Industrial

717-787-7120

Economic

requiring a

and nonprofits

bond refinancing

March, May,

tied to market for tax-

Hazleton's distressed

Development

sdunkel(ฎdoc. state

Development

minimum of



July, Sept., and

exempt bonds

climate

Authority or

.pa.us

Financing

$400 K





Nov.

• Up to 30-year term

• As Governor is

Corporation to



Authority









• Borrower must

prioritizing this type of

PEDFA Board



(PEDFA)









secure letter of credit

reuse, Cranberry Creek

• www.newPA.com



Taxable and









from bank

Gateway Park Project





Exempt Bond









• $500 application fee

should highlight that the





Program









(to be credited

site is a brownfield and















against the issuance

mine-scarred land















fee when project

• Program administered















closes)

through PA Dept. of

















Community and

















Economic Development

















who was an initial project

















stakeholder





PA Business

• Grant and

• Communities

• All site

Applications

• Grants may not

• Program is available to

Single application

Scott Dunkelberger

Assistance

loans for

• Developers

development and

received on first

exceed 50% of the

build an inventory of

through

PA DCED

Programs:

construction

(for

infrastructure

Wednesday of

total amount of the

ready sites, or "spec"

www.newPA.com

717-787-7120

Business In Our

• No minimum

construction

activities

the month for

financing provided, or

properties (not for



sdunkel(ฎdoc. state

Sites

or maximum

loans only)

required to make

Commonwealth

$5 million, whichever

primary residential or



.pa.us



• $300 million

a site shovel-

Financing

is less

recreational purposes)







program pool



ready (including

Authority Board

• Must get loan before

• No repayment on loans











grading,

consideration

grant will be

required until property is











infrastructure,



considered

sold or leased.











municipal



• Single project funding













services, etc.)



cannot exceed 15%













• Planning grants



of the funds available

















for the program







20


-------
Funding &

Funding &

Eligible Entity

Eligible

Funding

Restrictions

Program Facts &

Initial

Contact Information

Technical

Technical



Activities

Timeline



Additional Items

Application



Assistance

Assistance











Steps



Source (State)

Levels















Housing &

• Typical

• Local

• Community

Rolling

If funds are used

• Funding can also be

Single application

Mike Morin

Redevelopment

grants

governments

revitalization

applications

for sewer or water

used for gap financing

through

PA DCED

Assistance

average

• Redevelopment

• Economic



system activities,

for projects

www.newPA.com

570-963-4597

Program

between

Authorities

development



all properties in the

• Important to



mmorinfiistate.pa.us



$150K and

• Housing

• Infrastructure



area must be

demonstrate strong







$200 K

Authorities

improvement



tapped into the

community support



Cindy Campbell



• No minimum

• Nonprofits





system

for this project before



PA DCED



or maximum







applying



Ccampbellfiistate. pa. us



• $30 million

















budget in

















2005















PA Bureau of

Funds for site

N/A

N/A

Tentatively

N/A

N/A

N/A

M ike Ferko

Abandoned Mines

reclamation





scheduled to begin







BAMR District Engineer

Reclamation

activities





activities in July,







570-826-5486

(BAMR)







2006 at Cranberry
Creek site







mferko(ฎstate.oa.us

Eastern

Several areas

CAN DO

• Developing

Cranberry Creek

• For OSM/VISTA

Depending on the

N/A

Robert Hughes

Pennsylvania

of non-



innovative

Gateway Park

Volunteer,

redevelopment type,



rhuahes(ฎepcamr.ora

Coalition for

financial



drainage

Project would need

Cranberry Creek

EPCAMR may also be



570-674-7993

Abandoned Mine

support



techniques and

to work with

Gateway Park

able to advise the





Reclamation





designs for the

EPCAMR on the

Project would

project on incorporating





(EPCAMR)





site

•	Community
outreach
(including local
schools)

•	OSM/VISTA
position

•	GIS mapping

timelines for re-
assigning an
OSM/VISTA
position to
Cranberry Creek

need to help with
federal cost
share

educational, historical,
or tourism features into
the site





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5.0 Program Funding Examples

Four real-world examples of projects that have utilized various federal funding sources are provided to help illustrate how project stakeholders
addressed redevelopment financing needs.

HUD Section 108 Funds:



Bucks County, PA
Dial Corporation

Wheeling, WV
Stamping Building

Section 108 amount

$2.5 million

$2.25 million Section 108 & $1 million BEDI

Purpose of Loan

Property acquisition

Interim construction financing

Parties

•	Bucks County Community & Business Development
Dept.

•	Redevelopment Authority of Bucks County (RABC)

•	Preferred Real Estate LP

•	City of Wheeling

•	Regional Economic Development Partnership (REDP)

Nature of Deal

•	Bucks County transferred administrative tasks
(collection of payments, etc.) for its $2.25 million
Section 108 to RABC. RABC did not enter into a loan
agreement with the County

•	Preferred Real Estate LP entered into a loan
agreement with the County to use the Section 108
funding and RABC administered loan

•	Loaned the same $2.5 million to Preferred Real
Estate to buy the Dial Corporation property from
RABC

•	Preferred Real Estate could have entered deal
directly with the County if they wanted but since
RABC typically administers the County programs,
they dealt with them instead

•	City of Wheeling "re-loaned" Section 108 to REDP. REDP
entered into a loan agreement with City that mirrored its loan
with HUD

•	Original term for REDP to pay back City was 20 years with
variable interest rate until bonds sold. Rate based on 10-year
Treasury note (+/- 0.5 %)

•	Although a 20-year term, REDP paid back the City in about 3
years using its $3 million infrastructure loan from the State of
West Virginia. When it secured Section 108 loan with City,
REDP had other loans in place but the WV loan could not be
used up front for construction, so REDP used Section 108 for
interim construction financing and when construction was half
complete then could use WV loan to pay back City Section 108

Payback Terms

Preferred Real Estate:

•	10 year term: First 4 years interest only; Can pay in
full in 4 years

•	If over 4 years, have to keep for 10

City of Wheeling:

•	20 year term

•	Annual principle of $100,000 at first

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HUD collateralfor party borrowing from local government or administrator:

HUD requires security from the borrower and/or the local government to adequately collateralize the loan. If the third party borrower's loan to
value ratio is less than .80, or its debt service ratio is less than 1.15, HUD will always require additional collateral, either from the business,
individuals, or from the local government. Depending on the activity or project, HUD may require additional collateral from "deals" that meet
these ratio thresholds. If a local government fully supports a project questioned by HUD, it may always pledge real estate, specific revenue
streams (tax increment, sales tax, etc.), or the full faith and credit of the local government as collateral. Terms for third party loans are typically
matched to the useful life of the collateral, with up to 20 years on real estate.

HUD Section 108 Interest Rates:

Interest on the loan from HUD to the local government is pegged to yields on U.S. Treasury obligations of similar maturity to the principal
amount. A small additional basis point spread, depending on maturity, will be added to the Treasury yield to determine the actual rate. This
interest rate typically runs 0.5% above treasury obligations of comparable maturity. Each annual principal amount will have a separate interest
rate based on the obligation that must be retired by HUD that year.

If the local government or its administrator is loaning the funds to another party for interim financing, the local government/administrator may
add an additional spread to the loan rate to cover servicing costs over the life of the loan as well as require the borrower to pay the loan closing
costs and other local government administrative costs. These costs can be included in the loan. Typically, interest rates on interim borrowing
are priced at the three-month London Interbank Offered Rate (LIBOR) plus 20 basis points (0.2%).

USDA Intermediary Relending Program:



Central Oregon Intergovernmental Program (COIC)

Loan amount

COIC manages a $2.9 million USDA Intermediary Relending Program (IRP)

Purposes of Loan

COIC Business Loan Department manages business loan programs throughout Central, South Central and North Central Oregon that
provide term financing to small businesses for projects that create new jobs or retain existing jobs. Loan funds can be used to purchase
or build new facilities, purchase equipment or provide working capital.

Parties

•	COIC serves Crook, Deschutes, and Jefferson counties

•	COIC serves the Cities of Bend, Culver, Madras, Metolius, Prineville, Redmond, and Sisters

•	The15-member board is made up of elected officials appointed by each of the member governments and appointed
representatives of key economic sectors - business and industry, tourism and recreation, agribusiness and agriculture, timber
and wood products, and the unemployed/underemployed

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Nature of Deal

•	The IRP offers loans of up to $150,000 or 75% of the total project for a variety of uses including building construction, land
acquisition, machinery and equipment, and permanent working capital

•	IRP borrowers ("intermediaries") must place the IRP loan proceeds in an RLF for re-lending to eligible, rural businesses, and
community groups ("ultimate recipients")

Example of a COIC Deal

Diesel Power NW ("ultimate recipient') in Prineville, OR:

•	Owner wanted to open a new facility

•	Owner received a $184,000 loan from the bank, and was then referred to the COIC IRP

•	Owner received a $123,800 IRP loan which rounded out the financing package for Diesel Power NW to relocate to a new 5-
acre site

Payback Terms

1% fixed rate, 30 years, fully amortized (though interest-only payments may be permitted for the first 3 years)

ARC General Funding Grants:



Information Technology in West Virginia

Grant amount

Upper Kanawha Valley Economic Development Corporation, Inc., received a $1 million ARC grant

Purposes of Grant

To assist with the construction of Montgomery Technology Community Project Phase I, a technology business center, which consisted
of the demolition of some existing buildings, the construction of a 35,000-square-foot, three-story, technology-ready office building, and
the acquisition of three smaller buildings. The Montgomery Technology Community includes the housing of high-tech jobs and related
industry; the creation of high-technology training and development center for industries related to the expertise of West Virginia
University Tech; and the servicing of government and private research and development contracts in the same selected areas of
expertise.

Parties

•	ARC

•	Upper Kanawha Valley Economic Development Corporation, Inc., a nonprofit corporation

Nature of Deal

• This ARC grant helped the organization leverage $1,325,500 from the Economic Development Administration; $575,000 in the
loan from the State of West Virginia, and $300,000 from the grantee for a total investment of $3,200,000.

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