Consultant Services For: HOME and CDBG LOAN PORTFOLIO MANAGEMENT
| Location: | California |
|---|---|
| Posted: | Dec 12, 2025 |
| Due: | Dec 18, 2025 |
| Agency: | Lake County |
| Type of Government: | State & Local |
| Category: |
|
| Solicitation No: | 261551 |
| Publication URL: | To access bid details, please log in. |
| Bid Number: |
261551
|
| Bid Title: |
Consultant Services For: HOME and CDBG LOAN PORTFOLIO MANAGEMENT
|
| Category: | County General |
| Status: | Open |
|
Attachment Preview
COUNTY OF LAKE
REQUEST FOR PROPOSALS
Consultant Services
For: HOME and CDBG
LOAN PORTFOLIO MANAGEMENT
COUNTY OF LAKE
RFP No. 261551
Issued: November 12, 2025
Submission Deadline:
December 15, 2025, at 4:00 P.M.
Consultant Services for:
HOME and CDBG Loan Portfolio Management
By: Lisa Judd, DCAO Housing
1. INTRODUCTION ................................................................................................................. 3
2. SCOPE OF SERVICES .......................................................................................................... 3
3. COMPENSATION................................................................................................................ 5
4. PROPOSAL CONTENT ....................................................................................................................... 5
5. PROPOSAL SUBMITTAL ............................................................................................................. 6
6. PROPOSAL EVALUATION AND AWARD .................................................................................... 7
7. PROTEST PROCEDURES ............................................................................................................. 8
8. GENERAL TERMS AND CONDITIONS.........................................................................................8
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Consultant Services for:
HOME and CDBG Loan Portfolio Management
1. INTRODUCTION. The County of Lake is inviting sealed proposals for informal written quotes for
ongoing HOME and CDBG loan portfolio management, the current loan portfolio contains 54 loans.
Objectives:
Contractor will provide general management for the County of Lake's HOME Investment
Partnerships Program (HOME) and Community Development Block Grant (CDBG) loan portfolio.
Proposals should be submitted in accordance with the requirements of this solicitation, which are
contained herein.
2. SCOPE OF SERVICES.
Services will include:
A. Providing an updated loan portfolio report on a yearly basis. County to provide
updated loan balances;
B. Keeping record of payments received on loans, on a yearly basis - tracking loan
balances; payoffs; assumptions. County to provide loan payment and payoff reports
to Contractor at least quarterly;
C. Providing updated statements to Borrowers as warranted. County to provide loan
balances;
D. Tracking loan collections by funding source;
E. Conducting collection efforts as outlined in the County's Loan Servicing Policies and
Procedures on delinquent loans, and coordinating foreclosure procedures when
applicable;
F. Coordinating and conducting Loan Committee process for approvals as required;
G. Monitoring hazard insurance on all loans; force-place insurance policies when
necessary and if feasible (paid by the County and added to the Borrower's loan)
H. Monitoring property taxes annually and ensuring compliance on agreements;
I.
Sending annual statements to all Borrowers outlining loan terms, balance, and proof
of residency requirements;
J. Monitoring changes in title for compliance;
K. Processing requests for subordinations;
L. Preparing payoff demands. County to provide loan payoff balance;
M. Preparing reconveyance and coordinating with Title Company for loans paid in full;
N. Providing technical assistance to the County when a primary lender files a Notice of
Default;
i.
Providing assistance and support to families facing foreclosure
ii.
Determining the recommended action to be taken by the County
O. Retaining files on all loan servicing actions and forwarding to County upon
completion;
P. Providing on-going assistance and support to the County and Borrowers as needed;
Q. Prepay Title Company and other service provider fees when required to assist individual
Borrowers.
Prepaid fees to be approved by County prior to payment by Contractor.
R. Contractor shall submit a quarterly loan tracking report to County by the 10th of the month
following the report period.
S. Contractor shall be subject to monitoring by County, State, and Federal Officials, allowing full
access to the information requested for monitoring purposes.
T. Contractor agrees to provide a procedure through which recipients of Contract services shall
have the opportunity to grieve or complain regarding service.
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Consultant Services for:
HOME and CDBG Loan Portfolio Management
3. PROJECT DELIVERABLES
See Scope of Services.
4. CRITERIA FOR SUCCESS
Fulfilling the requirements outlined in the Scope of Services in a timely manner and
providing excellent customer service for the Borrowers and to County Staff.
5. COMPENSATION.
To be determined prior to Agreement award.
4. PROPOSAL CONTENT.
4.1 Proposal Compliance: In order to enable direct comparison of competing responses, you must
submit your Proposal in conformity to the requirements stated herein. Failure to adhere to all
requirements may result in your Proposal being disqualified as non-responsive.
4.2 Proposal. Please assemble your Proposal in the following order.
A. Cover Letter. A standard business letter must be included which represents your
agreement to supply the requested goods and/or services detailed in the RFP.
B. Company Profile. Provide a brief history of your company, a general description of your
services and qualifications, and an executive summary of your response. Content should be
no more than two pages.
C. Work Plan. Provide your specific proposal to address the Scope of Service outlined in
Section 2 above. At the very least, this should describe in detail how the service shall be
provided and include a description of major tasks, subtasks, and a proposed time-line for
completion.
E. Cost Proposal.
All prices submitted are non-binding at this stage of the procurement process and are
subject to negotiation.
5. PROPOSAL SUBMITTAL. Proposals submitted must meet the following criteria to be acceptable
for consideration regarding this project:
5.1 In order to be considered, responses may be submitted either on paper or electronically
Electronic submissions must be in either Microsoft word or PDF format, and sent to
Lisa.Judd@lakecountyca.gov.
Proposals whether submitted electronically or via hard copy must be received no later than
Monday, December 15 2025, by 4:00 p.m., and addressed to:
4|Page
Consultant Services for:
HOME and CDBG Loan Portfolio Management
RFP No. 261551 for Request for Proposals for HOME and CDBG Loan Portfolio Management.
CONFIDENTIAL
County of Lake
Attn: Lisa Judd, Deputy County Administrative Officer - Housing
255 N. Forbes Street
Lakeport, CA 95453
Normal business hours are Monday through Friday 8:00 am to 5:00 pm. Staff can be reached at
(707) 263-2580.
Proposals may be mailed through the United States Postal Service or any other courier service and
they may be delivered in person to the above office or emailed to Lisa.Judd@lakecountyca.gov.
Faxed proposals will NOT be accepted.
5.2 In order to receive addenda and information regarding this RFP, proposer must register online
at: Bid Postings • Lake County, CA • CivicEngage (lakecountyca.gov). Proposers are
cautioned to read the scope of services and proposal contents herein and be sure to respond to all
items listed in these sections.
5.3 Proposals received incomplete or late, for any reason, shall not be accepted.
5.4 All Questions regarding this Request for Proposals may be submitted in writing at any time prior
to Thursday, December 4, 2025, 3:00 p.m. to Deputy County Administrative Officer – Housing, Lisa
Judd: Lisa.Judd@lakecountyca.gov. Only written questions will be accepted. Questions will be
answered by Tuesday, December 9, 2025, 5:00 p.m. and uploaded as an addendum to the website
listed in the above paragraph.
Proposers may contact only the individual identified above and are specifically directed not to
contact other County personnel for meetings, conferences, or other technical discussions related to
this RFP. No questions will be answered by other County staff.
5.5 All proposals submitted in response to this RFP will become the property of the County and will
not be returned. The County reserves the right to make use of any information or ideas contained
in the proposals. The proposal itself shall not constitute a contract, but will, if accepted, be
incorporated into the contract between the County and the selected proposer.
Please note: The successful Proposer shall be expected to fully meet all representations made in its
proposal, including demonstration of project understanding, work plan, project schedule, project
team, and cost proposal.
6. PROPOSAL EVALUATION AND AWARD. The County is using the competitive proposal process,
wherein the experience and responsiveness of each submitted proposal is evaluated as it relates
to the Scope of Services. Administrative staff will evaluate the proposals as described below.
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