Town of Paradise

Loan Information

First Time Homebuyer or Home Repair Loan Information

 

If you have a loan through the Town of Paradise and your home was lost in the Camp Fire, the Town is forgiving the interest (ONLY) on your loan; the principal amount cannot be forgiven.  Please know that you have options of what to do with your insurance proceeds:

1.  If you intend on rebuilding on the same site in Paradise, ALL insurance proceeds can be made available to you in an escrow account held by either the Town (if we hold the first mortgage) or a first lender (if you pay a monthly mortgage).  This option will give you the most money for rebuilding. You should receive a check from your insurance company with our name on it; please bring it to our temporary Town Hall (441 Main Street, Chico). We will either deposit it into an escrow account or endorse it and send it on to your first mortgage.  If you had a monthly mortgage payment prior to the fire, you will be expected to continue to make your payments.

 

2.  If you would like to cash out your insurance proceeds, you will have to pay all of your mortgage debts off first.  If you intend on rebuilding on the same site in Paradise, the Town can hold the Town's pay-off funds in an escrow account, but we will only release the funds to you when you are close to obtaining your Certificate of Occupancy on your new home.  Your loan with us stays in place and continues with the original terms. You should receive a check from your insurance company with our name on it; please bring it to our temporary Town Hall (441 Main Street, Chico). We will either deposit the check and return to you the remainder of the funds (which can take up to two weeks) or forward the endorsed check to your first lender with instructions on paying us back.  Please know that some lenders might not send the funds directly to us; if they do not, you are responsible for paying off your debt with the Town so be sure to understand what your first mortgage has done before committing all of the funds returned to you. Once we receive our pay-off funds, we will deposit them into an escrow account for you.

 

3.  If you will not be rebuilding on the same site in Paradise, you will have to pay off all of your mortgage debts, and then you can do as you please with the remaining funds.  You should receive a check from your insurance company with our name on it; please bring it to our temporary Town Hall (441 Main Street, Chico). We will either deposit into those funds and return the remainder to you (which can take up to two weeks) or forward the endorsed check to your first lender with instructions on paying us back.  Please know that some lenders might not send the funds directly to us; however, if they do not, you are responsible for paying off your debt with the Town so be sure to understand what your first mortgage has done before committing all the funds returned to you.

 

If you have any questions, please feel free to contact Kate Anderson at This email address is being protected from spambots. You need JavaScript enabled to view it. or call her at (530) 872-6291.

Community Development Block Grant (CDBG)

The Town of Paradise has been a U.S. Department of Housing and Development (HUD) entitlement city since 1994.  HUD awards grants to entitlement community grantees to carry out a wide range of community development activities directed toward revitalizing neighborhoods, economic development, and providing improved community facilities and services.

Entitlement communities develop their own programs and funding priorities. However, grantees must give maximum feasible priority to activities which benefit low and moderate income persons. A grantee may also carry out activities which aid in the prevention or elimination of slums or blight.  Additionally, grantees may fund activities when the grantee certifies that the activities meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community where other financial resources are not available to meet such needs. CDBG funds may not be used for activities which do not meet these broad national objectives.

HUD determines the amount of each entitlement grant by a statutory dual formula which uses several objective measures of community needs, including the extent of poverty, population, housing overcrowding, age of housing and population growth lag in relationship to other metropolitan areas.

 

  document 2017-18 Community Partnership Grant Program Application (58 KB) - Due Feb. 2nd 2017 by 5:00 pm

pdf 2015-2020 Consolidated Plan (704 KB)

pdf 2016-2017 Annual Plan (660 KB)

pdf 2015-2016 Annual Plan (235 KB)

ADA Transition Plan

The passage of the Americans with Disabilities Act of 1990 (ADA) produced a comprehensive package of civil rights protections for persons with disabilities. This law provides civil rights protections for both employment related issues and for the provisions of goods and services to persons with disabilities. Title II of the ADA lists the specific requirements that apply to public entities, such as state or local governments.  The documentation of an ADA Self Evaluation and Transition Plan is required to comply with Title II of the ADA. The intent and purpose of an ADA Self Evaluation Plan is for a public entity to identify issues and conditions that could impact qualified individuals with disabilities. The intent and purpose of a Transition Plan is to set forth a written process and method whereby the public entity can modify, replace, or remove identified ADA compliance issues and conditions over time.

The Town of Paradise has prepared an ADA Self Evaluation and Transition Plan in compliance with Title II of the ADA. The Plan was adopted by Town Council on July 14, 2015. The complete ADA Self Evaluation & Transition Plan is available for download below. Alternate formats are available upon request.

Town of Paradise ADA Self Evaluation & Transition Plan Download

Future updates to the Self-Evaluation and Transition Plan will be performed on an ongoing basis as new regulations are adopted and as existing public right-of-way conditions change.

If you have any questions relating to ADA and the Public Right of Way, please contact Joanna Gutierrez, ADA Coordinator, at (530) 872-6291 x101 or This email address is being protected from spambots. You need JavaScript enabled to view it..