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37 <br />38The following would not be changed from the loan. <br />39Loan-to-Value ratio <br />40Debt-to-Income ratio <br />41Use for owner-occupied and interior of association units <br />42Maximum 10-year loan <br />43The Housing Resource Center administering the loans <br />44 <br />Suggested HRA Action <br />45 <br />46Review and discuss the information provided and give staff direction regarding the <br />47Roseville Home Improvement Loan program. <br />48 <br />49Attachments A: HRC Report <br />50 B: Loan Programs Report <br />51 C: Cumulative Percentage of Total Permits (2009 – 2013) <br />52 D: Assessed Home Value Median Total Market Value <br />53 <br />54Prepared by: Jeanne Kelsey (651-792-7086) <br />Roseville Home Improvement Loan Program (1-20-15) - Page 2 of 3 <br /> <br />