Good evening. Um, welcome everyone to the Columbia Heights Home Ownership Resource Night. Thank you so much for joining us tonight. My name is Emily Voit. I'm the city's community development coordinator. I'm going to quickly go over tonight's agenda and then we will get started with all the the information. So, first of all, I'd like to mention that tonight's session was made possible by a Key Communities grant through the St. Paul Area Association of Realtors, also known as SPAR. The Key Communities program builds partnerships between realtors and local communities. The city of Columbia Heights received a 2025 key communities grant and is using its funding to provide residents with information and resources about home ownership in multiple languages. So that's why we're here. To that end, uh tonight's session will be held in two languages. The same information will be in each session presented twice. So from 5 to 6 p.m. right now, we're going to do the session in English and then from 6:00 to 7:00 p.m. it'll be in Spanish. If you do speak both languages, you're welcome to stay and attend both, but you're going to hear the same thing twice. So, just to um explain what we're going to do in terms of agenda for each session, if my little clicker is going to work. Maybe, maybe not. Nope. Just a second. There had to be at least one technical difficulty. So, this is this is just how it goes. There we go. All right. We can see it that way. So um just to explain what we're going to do in each session, we're going to break it into four parts. So the first part is going to be um SPAR, the St. Paul area association of Realtors is going to talk about the home buying process, kind of give a general overview. Next, we're going to move into the city's role in home ownership and how is the city involved at all in that kind of process. After that, we're going to hear from ICF um about sustainability and cost-saving programs for homeowners. And finally, at the end, we'll have a Q&A portion if anybody has any questions. So, um I am standing here with a microphone because we are recording the session, but the Q&A portion will not be recorded. So, if you want to ask any questions, know that you're not going to be on camera. Um but we will have it available after the session on YouTube so people can watch if they couldn't make it in person. So, currently, um across the hall, they're setting up some dinner if you would like to have tacos from El Tequila that you are welcome to have tacos. You're welcome to go and get food, bring it back, and listen or to pick up food on your way out. That's fine as well. Um, we also have um some coloring shoots for kids. I don't think there are any kids in the room tonight, but if any of you feel the need to color during the session, you are welcome to do so as well. Um, and I think that's about it for housekeeping. So, we're going to get started. Um, we will start with um the presentation from Spar from Gay Garza. Come on up. >> There you go. Thank you. Thank you so much. My name is Gay Gara. I'm part of the board of directors for Espar, the association of realtors in St. Paul. Uh this is going to be so quickly and I apologize because it's going to be so fast about the home ownership process and um and I'm going to try to to get the key points when you are in the process of buying a property. Um I've been a real estate agent for the last 13 years. I'm part of the board of directors. Uh I was the founder for NARB, the National Association Hispanic of Real Estate Professionals and also our establisher for Women's Council Realtors Twin Cities Metro. So what we do, what we're trying to do here is like what is the process of buying a house? First, a lot of people confuse what is the real estate agent and what is the lender. So two different positions, two different roles. And basically when you're looking for a property, the first thing that we have to look is the lender. I know we as a realtors, we promote ourselves. We are in social media and we jump and dance and all that stuff. But but the first step is the lender. The lender is the one who is going to oversee all your finances, who is going to say um how much money you're have in your income, how many depths, how many accounts you have. And sometimes we confuse that and as soon as we call the real estate agent, we told all these things and it's like, wait, wait, wait, wait, wait. Legally and ethically, we cannot have any of your documents, nothing. So that's why the lender is there. So normally we ask couple questions you know like you are been doing your taxes for the last 3 years. Do you have a job? Do you um do you know kind of what is your score credit score is just basic questions to know who can be better served for you. So for example we have in the community a lot of programs. We have programs for IT, social security number, uh, DACA, job permits, etc. So, we need to know where we need to send you and who can be better working for you. And another thing that we see in the community is like people think that we only work with one loan officer or probably the person that we refer to you, that's the only person that that can help you. It's not like that. We see we oversee what do you need and then we start looking if you need a bank. Maybe it's your preference. Sometimes you are open to brokers or a small companies and small bro uh small banks. That's what we do with with uh your information. As soon as you are there, you're going to see the whole picture about the finances. After that, there is a communication between the lender and the real estate agent. What I need to know is how much you qualify for. Sometimes you are qualified for a high amount, but it's not what you desire. Because for example, I have two kids in college. They spend a lot of money, right? And it's not in my taxes. So even if I qualify for a high amount of of uh money, that's not my desire to expend all that money or I can pay monthly. that do the monthly payment for my mortgage. So this is a conversation then we need to know what is your maximum amount and what do you want and also because that amount can help us as me as a real estate agent to negotiate to look for properties. My advice to my clients all the time is like you qualify for 350 let's look houses in 330. Why? Because depends of the market. Right now we are in multiple offers. What are you going to do? You put an offer in in a property that is 350 is your maximum loan amount. We cannot do anything. You're going to get frustrated and you're going to be mad and you're going to say you are not helping me. And that's the last thing that I want to hear. Right? So this is why conversation is so important being a real estate agent sitting a pre-conultation to know what do you want what you can is so different then we start looking for properties then we have a good conversation with the loan officer what is your maximum amount what you can you are qualified for what type of loan you are because not all the properties qualify for the name uh mortgage u let's say FHA conventional all this so there is a conversation then we need to know what do you qualify for what do you need and then we want to start looking for properties next uh like I say we need to know the loan amount because it's important in this market sometimes we are in multiple offers and we need to know if we can have a competition We can send an offer. We need to negotiate. That's what we are here for. Then after we go through the whole process, you have to have a conversation with your your real estate agent. Basically, it's like what are all the areas that you want to look for, right? What is uh you desire? What do you need versus uh schools, uh bus stops, etc. All those ideas we need to start looking and we want to start um looking for a properties that is match what do you need. Now after we have a clear expectation we start looking for properties. One of the first steps then we face is when you have an offer accepted is the inspections versus appraisal. A lot of people think it's the same step the same stuff. is not inspection is for your own. It's basically to know all the details about the property and obviously it's going to help you to negotiate if this property is the right property that you're going to buy. Inspections go in detail and you always want to go to the inspection with the inspector. You're going to pay right there and it's your inspection. Then we want to negotiate. We want to see what is uh needs to be negotiated. Now the appraisal a lot of people say can I go without the inspection? And I'm like don't ask me that because I cannot answer that. But I can help you. The appraisal is going to be the one who is going to see the value of the property is square foot by square foot, rooms to rooms and they going to be comparing all the properties around your property to see if the value that you paying is the correct one. The bank is not going to pay you or help you with the mortgage one penny more than what is value. So here is one of the things when we are looking for house for a house we are in multiple offers and then you offer more than what it is the house for sale the appraisal come back and the appraisal can say the house is in the price than you offer. Sometimes the appraisal came back lower or sometimes it's like um you have to know what negotiation you did if you're going to put money out of the pocket. So inspections more personal uh appraisals it is more for the value of the property. I just have one uh example last month I have a client who is a contractor you know how the contractors are no no to inspections right because they know what they doing that's their job etc. So he said, "G, I'm not going to do an inspection. I'm fine. Everything is is okay. Seems fine." We had the truce and housing from the city. You know, some of the cities, not all of them. We have seven cities who requires the the truth and housing inspection before the houses for sale. It's like an inspection then the city does not as full as the full inspection then you pay but it is an inspection. So what happened here is like one week before closing the city sent an email to all the people involved in the transaction and say sorry we make a mistake the trusen housing that we submitted for this property and the certificate of the occupancy is not correct they have to do a new truth and housing and we were like what okay one week to closing I keep quiet until the seller react because that's the first thing. Then the agent. So the the the seller say, "Oh, that's fine. Let's do a tr inspection." The ine the inspection came back with more than seven things plus the furnace. The the furnace was was bad. It was almost crashing. And I was like, "Oh my god, what what happens?" Nobody noticed there was a mistake by the next uh winter my client we would will be without furnace. So what happened here? Two things. Good thing the city catch up. They send an inspector to do the truce and housing and then they send the report. The sellers were like, "Okay, the more expensive thing is like the furnace needs to be certified." They say, "Okay, we want to do it." They get a quote. They get an um uh an estimate and there was 8,000 because they need to change some parts of the furnace, which doesn't make sense. That was like 4,000 versus 8,000. If they change the whole furnace, they send it to us. Again, it's always options. Did your buyers want to pay half of the amount and then we have a new furnace? I said, "Okay, let me talk to my buyer." I talked to my buyers and I say, "Hey, this is happening. They want to do a new furnace. Makes sense, but you have to put half of the money." and and he was like, I'm putting everything that I have in my down payment because I need 25% because it's the second home and plus the money that I have is for finish it the updates in the property. What can I do? So I say it's up to you. You don't have to accept. you can think about it or you just say repair the furnace as you can and that's what you want. He say you know I'm going to go with that option because I don't want to spend more money. So I come back I send her the answer and for some reason they didn't change just the part that was damaged. They ended up changing the whole furnace. What is my thinking right here? Two things. they are lying to me and they were trying to see if my seller can pay or they really say you know let's get another uh estimate and yes they did and the cost was less but they ended up changing the furnace so inspections when I talked to my client and it's a lesson learned for me too and I say keep pushing to do the inspection because what happens if the city didn't realize that there was a mistake egg right there and they just I mean that was a mistake. Everybody can make a mistakes but in this case my clients for the next winter will be without furnace or they have to replace it. So make sure then you know what are your options and also doing inspections. Um let me see my notes. Somebody have any questions? Nothing. Nope. Okay. So sometimes what we do uh also is like we have to make sure then when you are not ready, you are not ready. There is another consultation when we met with clients. is like they're going to buy a house right now and they already have the the lease and the apartment for two months or 3 months. I always recommend people came to us 6 months, 8 months, even a year. Why? Because you don't know sometimes how your credit is. So the loan officer, a good loan officer is going to help you to be prepared. And the best way to do it is to know how your credit is. Sometimes we have to refer you to nonprofits where they can help you financially or they can help you to build your credit. A lot of people think it is so easy or they just need to wait or it's going to be magic. If you wait for 3 months, the credit is going to go up. It's not like that. We have to help the credit. We have to help how to build your finances. And believe it or not, people who go back with the financial advisors and come back, they are more secure. They don't they know what they want and they ask questions. If you don't ask me questions, I can miss some stuff. I can meet some some things that I don't know about you. But if you go to the classes, you go to the financial advisor, they're going to come back and they're going to ask questions. And that's the most important thing for us to have a client who is educated and they know what to do. Also, we have the first-time home buyers education. I know it's eight hours. You had to go and sit down, but you can hear from lenders, realtors, inspectors, insurance, appraisals, etc. So it is 8 hours you get your certificate and then you're going to know what is more outside when you go to the financial advisor also depending of the city that you are looking for they're going to explain you if we have more assistance uh for the first time buyers and second buyers too we have assistance and we can see how we can get more money to you so a lot of people say can I combine all of them and they asked me and I said well let's ask the lender the lender is the one who has all your finances and they will know better what to do um another things then then I always say is uh um coming back to the real estate we are not the ones who do the finances we can help you to find a house to negotiate and bring you closing to closing one of the things is Like as a real estate agent, we have the MLS Northstar MLS that is this the realtor system. A lot of people say, "Can you send me a house in this city and this city and the city? This is the price. This is what I want." What we do is in that system, we do a search and then you receive those emails automatically. I'm not sitting every night sending houses to my clients. It is automatically in it's not cost. it is part of the uh services that we do. The other thing is um why a client who is educated is more easy to work with. In MLS we have all the list all the houses zero to millions right and the other thing is like every single home have a specifications. We have for foreclosures, we have short sales, we have land trust, we have a lot of properties that probably you are not qualified for. And the first thing is FHA and conventional. A lot of people who say why this I don't qualify for this people for this house. Sometimes they say because you are FHA and this property don't qualify for FHA. That's that's a quick answer. But what is FHA? What is conventional? This is part of the why you sit down with the lender who explain the different types of loans then you can qualify for. So by the time then we are working together I send you a house you send me 10 houses 20 houses and I I start okay this is short so this is foreclosure you need to close in 3 months this is not going to work uh this is land trust you have to go to a different qualification it's not going to work this is FHA this is FHA you you are conventional etc so when we talk about that and I send you send me 20 homes and I send you five pack then we want to see you are like you don't want to show me properties. That's what you guys thinking. But I say okay, but if I send you the list back with all the specifications, then you're going to say, "Oh, okay. This is what I can see." Now, a lot of those specification, you don't see it. We are the ones who see it. Like for example, in north side MLS, we have agent remarks and public remarks. The public remarks, that's what you see. the agent's remarks. That's what I see. So, every time then you guys send me a lot of homes to wash, I have to go and check if that house is going to work for you or not. So, the other thing is right now in this market a lot of people is thinking about it is a good time or it's not a good time. The answer is always depends, right? Like many things. Why? Because if you are ready, you have your credit score, you have been working in your down payment and you need to move, obviously it's a good time, right? Better than rent always. It's going to be better than be renting. So the only thing that I request for clients is like be prepared, know your numbers and get ready to start looking for properties. Um the other thing is going to those firsttime home buyers education help you to be more more smart about looking. Now as a real estate agent I cannot talk about who lives in this neighborhood. I I can't talk about neighbors. I can talk about everything that that can violated fair housing. We cannot talk about it. And you as a client that's the first thing then you guys ask how's the neighborhood? who lives here? Do you see this? Do you see that? And it's like yes, yes, this. No, no, no. That's my answer. So the pre-conultation when we sit down, we explain at least I I do. I explain what I cannot talk about it. I work a lot of years in education. Two years ago, that was my key point. That was like you have kids. Yes. Okay. Uh I say this districts are good. This is uh I was talking about education all the time and then two years back they say no more we cannot talk even about education. So I cannot talk about schools. So now my mouth is like what I want to talk about now how can I advise the clients what is a good way to go. So now this is another thing I always when people ask is a good neighborhood can I live here? How the school are do you think who so and so lives here? And I always say, okay, let's do a list. If you're concerned about the neighbor, the neighborhood, go in the afternoons, go in weekends, do something different, go and take a look. I can't go with you and I cannot talk about it. So now what we do, what I do is we have a lot of links, right? You go to the internet, put the zip code, put the crime, go to your city, check more things. I mean be aware of what is around you and what the cities you want to look for. Why? Because that's the only way then we can find out. Now we cannot talk even when it's um sexual harassment people we cannot even talk about it. So we have a link because everybody has rights. So when you have kids when you are concerned we have to send you to look to those links. Um so this is part of what we do. How many minutes I have? I'm done. Okay. Okay. Well, talking about the real estate is is so extens you are looking for a house. You thinking, talk to your loan officer, go to the financial advisor, get to know what do you need to do and be prepared. And it's always a good time to buy a house. Thank you. [Applause] Thank you so much, Kij. Um, and she will be here until the end as well when we'll have time for questions. So, if you have specific questions for her, welcome to take those at the end. Um, I'm going to talk pretty briefly about the city. So, like I said, I work for the city. I'm the in the community development division. And, um, we are involved in a couple of different ways in the home ownership and home buying process. So, I'm just going to touch on three of those pretty quickly. So the first point that I want to talk about tonight was the city's time of sale program. So other places sometimes this is called the point of sale. Um they have it in a lot of cities in the Twin Cities metropolitan area. And basically um as you can see up on the presentation it applies to the selling, gifting or transferring of dwellings, condominiums, town homes and mobile homes within Columbia Heights. So single family residences mostly um this program applies and the requirement of the program is that residential properties have to be inspected by the city prior to their sale. So it doesn't have to be prior to the listing but it has to be prior to the closing and the process begins when the property owner or their representative, so a real estate agent for example, applies for a time of sale inspection and they pay the required fee. After the city gets the application and the fee, the building inspector schedules a 1-hour appointment to inspect the property and they go out in to the site and the the the house and they they inspect it. Some people ask, is it the city who does the inspections? Is it like a private inspection company? It is the city. It is a city staff person who does these inspections. And during the inspection, they go out and they look for safety or maintenance concerns that need to be addressed. So really, they're looking for hazards here. Um, and after the inspection, they write what we call a time of sale report that identifies any hazards and then they share that with the seller. So, the seller gets to see exactly what's on that report. The seller is also required as part of this process to have the sewer line inspected of the property and they do schedule that by themselves. So, that's not a city inspector who does that, but they do have to submit the video of that along with a cover letter to the city to demonstrate that it has been completed. So once the report and the sewer line inspection are both done, the seller and the buyer have to come to an agreement if there's already a buyer about whether the seller is going to complete the repairs or whether the buyer is going to do it. So there is an option there. The seller can choose to do the repairs themsel before the sale or if they can come into agreement with the buyer, the buyer can take on that responsibility. Um the idea behind the program is to protect buyers and sellers during property transactions to not have anything hidden hazardous that could pop up. um and and jeopardize the sale or jeopardize the new home of the person who's purchased it. So, safety and quality of residential properties is what we're looking for. Something else I'm going to have problem with it again. Can you hit my forward button, please? Thank you. Okay, so something else I want to talk about is permits. So, once uh once you've bought a new home, what if you want to do work on that home? Or what if you've already owned a home for a while, but you're getting ready to sell it? want to do work before you sell it, you might need a permit. I put a list up here of reasons why you might need a permit. Um, it's an incomplete list, but few examples. Fences, retaining walls, decks, garages, roof replacement, new windows or doors, finishing a basement, installing new appliances, updating your bathroom. It's an incomplete list. Not everything always needs a permit, but a lot of things do. So, what I like to recommend is that you ask first is um is that the city is always happy to answer questions about it. You can come into city hall, you can visit the website, you can email us, you can call us, and you can talk to um sometimes the inspector, sometimes the building official, sometimes me, depends on whose phone you end up on, and we can help you figure out whether or not you're going to need a permit for your project. It's always better to ask and figure it out ahead of time than to find out you needed a permit and that maybe you need to undo some of the work you just had done that was expensive because you didn't get a permit for it ahead of time. So, just something to keep in mind. Like I said, it's I think a lot of people are understand that permits are required, but I think a lot of people don't realize how many different kinds of projects do require permits. So, I just like to mention that it's always best to check ahead of time. Okay. And the last point that I want to talk about briefly is code enforcement. So, um I think people kind of cringe when we talk about code enforcement, but just to explain the general process really quickly, it's about maintenance. So homeowners are responsible for maintaining their properties and including exterior maintenance. So in the winter that might look like um snow and ice removal from the sidewalk, keeping it clear so people can walk on it. And in the summer that might look like mowing the grass, trimming the shrubs that are like hanging over the alley so cars can get by, trees, things like that. Um outdoor storage, those kinds of those kinds of items are exterior maintenance. And um if homeowners don't complete this kind of maintenance, they might be in violation of the city code. So we have a code enforcement inspector who is a city staff person whose job it is to respond to complaints about maintenance on on properties in the city. Um it's also their responsibility to help explain to people who receive notice of those those issues like how to help resolve them. But so the the process is that when we when they receive a concern or complaint, they go out and check and see whether there's a violation. If there is a violation, they write what's called a notice of violation. So that's a letter that explains the maintenance items that have to be completed and it also sets a deadline. So it says these items need to be done by this date. If those items are not complete by that date, then the homeowner can be responsible for a fee. Um sometimes they um they do the work themselves, but they don't do it in time. Sometimes it's assessed to their taxes if they don't do it. Um, so they might be responsible for a fee until they fix the violation. And like I said, I think people tend to cringe when we mention code enforcement, but we really do know that the code is complex. We know that it's a lot of work to take care of a property. And so our team and our code enforcement inspector are always happy to answer questions about what does the code mean, what do I need to do, how can I resolve this, when is the deadline, um, you know, can you help me understand what this actually means? Again, we want to help homeowners comply and we want to answer questions and be helpful to to residents whenever possible. So, online, in person, email, phone, all are good options. So, I went through that quickly because I think that our partners have a lot of interesting things to say and I want to leave them time. So, we're going to move right on to the next topic, which is um our partner ICF and Jane. Jane is going to talk about sustainability and cost savings programs. There you go. This is a little on the fritz, but >> we can try it. >> Me, too. Okay. >> Um, while we're pulling that up, I can share that we have a couple flyers over here. We have some in English and some in Spanish. So, if you're curious about this program, if you want a takeaway, um, feel free to grab one in your preferred language. Um, so, as Emily mentioned, my name is Jane Hannon. I'm with ICF. I'm here to talk about the home energy squad program. You might have seen the vans zipping around the cities. Um, this program's been around for a while and it is um jointly run by Centerpoint Energy and Excel Energy. So, curious if anyone in the room has Excel, if you could raise your hand for either gas or electric. Is anyone have centerpoint? Does anyone not know? That's fine, too. Okay. Um, wonderful. So, um, this program is offered to folks, um, who are homeowners or renters. So, if you haven't yet had the opportunity to get a house, you're still eligible to participate. Um, we try and keep it to 1 to four units. So, if you're in a duplex or a triplex, that's allowed. If you're in five or more, that goes into multif family. So, that'll be a separate program. Um, like I said, eligibility here, uh, anyone who is a customer of either Centerpoint or Excel or both is eligible to participate. The goal of the Home Energy Squad program is to help educate homeowners or renters um, about how to save energy and money, make your home more comfortable, get rid of those drafts in the winter, keep that cool air in in the summer, um, and overall just make your home more efficient. The way that we do that, we will send folks, our trained auditor staff into your home. Um, it'll be a couple hour assessment and they will look in the attic and assess how much uh insulation there is. They'll look down at the mechanicals in your basement and see if they're up to date. Uh, if they need to be replaced, um, don't love to see that, but it's good to have that information and not be surprised by it. Um, the auditor will provide a customized report of your home. So, you'll have that information that'll help you not only understand your own home, but if you need to have work done, if you need to put in wall insulation, this information can be handed off to the next trade ally who specializes in whatever issue you need um addressed. And while we're on site, we also do direct install of energy efficient products. So we our team will bring out light bulbs and air raators and weather stripping um and they will install it right on site. So um it's it's a pretty cool and fun program I think. Next slide please. So as I mentioned um the energy expert is what we call our field team members. They will come in and conduct an on-site visual inspection. Uh some of the items that people um will get if they don't already have them in their homes, LED light bulbs. So, we have different sizes and watts. Um, smart power strips. A lot of people like to put this on their home entertainment setup or uh on their work from home setup where you don't necessarily want to drain all of that energy to keep your TV running in the in the middle of the night. You can use a smart switch to turn it off so it's only running while you're there during the day. Um, we do install thermostats. So, we have two different types of thermostats. For people who are interested, we have smart thermostats. So that gives you even more control over setting um you know a a schedule times, temperatures. If you're going away for the weekend and it's middle of winter and you want the heat to turn on before you come home, you can use your smart thermostat for that. Um kitchen and bathroom faucet air raators and showerheads. So that'll um help reduce the amount of water that is needed. Um and weather stripping around attic hatches. So, if it's drafty up in your attic or like your front or back door, you'll notice this is a mix of gas and electric measures. Um, if you have just Excel electric, for example, and some other gas provider, you can still uh partake in all of these measures. So, all of the measures are available to anyone who participates. And then this is a sample of the report that you'll get. It'll have uh an assessment of your home. Um it will uh kind of tell you your um how efficient is your washer, how efficient is your base load, right? The sort of how much electricity are you using in general? Do you need to replace your hot water heater? Um it'll include some photos throughout your house and then specific recommendations of next steps and actions you can take um to make your home more efficient. So thank you. We offer two audit types. Um, and you all as customers have the choice to choose which one fits your needs best. Our walkthrough audit, we call our energy saver visit. That's going to be the shorter one. It's about an hour and a half time. We do ask that somebody who's 18 or older is home to greet the auditor, but you know, they can kind of go off and do their own thing. They'll report back, but you're not committed to this hour and a half of shadowing them unless you want to. You're welcome to. Um, this will, uh, allow for all of those direct install measures I just touched on. And then we'll also check the combustion safety. Um, so those are your gas powered appliances, usually down in like your mechanicals room, your utility room, carbon monoxide check. Um, and then attic and wall installation. If you choose to do the other audit type, so that's the full audit. We call it the energy planner visit. That one's going to be a little bit longer, usually about 2 and 1/2 hours. Everything that's included in that shorter audit gets included in the bigger audit, too. Um, the full audit just allows us to also do a blower door test and thermal imaging. So, thermal imaging is like the coolest thing. I think that's like what you see up here. That's looking at, you know, where are the gaps around windows. Often, it really corroborates what you feel that you're like, "Ooh, in the corner of this bedroom, I'm always chilly." You'll see that really clearly on the thermal imaging, the blower door test. if you're not familiar with it, is like a huge industrial fan that fits into your door frame and we blow air through the house to try and see how leaky the home is. So, both the blower door test and thermal imaging will give you tons of information about air gaps and um leakiness, I guess, of of how uh air is escaping through your home. So, the city of Columbia Heights is one of just a handful that has committed to this energy saving um uh program at a discount for you all. So, everyone who participates from Columbia Heights gets 50% off their visit. For folks who are income qualified, and I have the the most recent HUD income levels up here. Um, for folks who are income qualified, you may get it for free or at a discounted price. So, you'll see it scaled for the number of people in the home. And then, uh, we're looking for that lower income here, the 80%. So, if you're four people in your home, if your household income is $104,200 or less, it is free. um for the um full audit, we do tack on $30 extra dollars that is um all explained on the website. So if you have questions about the pricing, I can walk you through that. But regardless of the type of walkthrough audit, full audit, um everyone gets 50% off. So this is the promo code down here, Columbia Heights 50. When you sign up on the website, you'll be prompted to include that. Um, and uh, again, that's just like I think a really cool investment from the from the city to help offset that and make this more accessible for you all to get your homes tightened up and more efficient. So, I think on the last slide here, um, this is how you can learn more about the program. If you scan this QR code, it takes us right to our scheduling site. You can always call us. Um, you can email us. You can visit us online. You can flag me down in the hallway after this. Like, we are here ready to help. Um, and all of this information is mirrored on the flyers. So, feel free to grab one. Um, you can sign up now. You can take one and then sign up 6 weeks in advance, whatever whatever works for your schedule. So, I believe that is all that I had. Are there any questions about this program, about the offering or or how it may work in your home? Yeah. understood correctly. So those income levels that's the potentially but everybody gets 50%. Is that what it was? >> Correct. Correct. So if you go back one more slide please. Thank you. So the walkthrough audit at for non-incomequalified folks the walkthrough audit will be $70 and then the full audit will be 100. That 50% off is applied across the board. If you are income qualified, so if you make under those limits that I showed up there, the walkthrough audit will be free of charge, no cost. You get all the light bulbs, you get all of the weather stripping. Um, and then if you decide to do the energy planner visit and you're low income, it's $30, but because you're in Columbia Heights, you get 50% off, so it's 15, which is like a steal. >> Yeah, of course. Of course. Okay, if there are no other questions, I can pass it back to Emily and team. Uh, thank you all for your time. [Applause] Thank you, Jane. So, um, I will say thank you to all of our partners and then, um, we're going to cut the video just so if anybody wants to ask any questions without being recorded, they can do so. So, thank you to Spar, um, and GJ for presenting. Thank you also to ICF and Jane. Um we've been really enjoying our um the ability to to partner with these organizations and to get to work and provide information directly from experts to residents. The city does have involvement in these things, but we know that we don't have all of the information and we're not always the expert. So we're really happy to get to partner with them and provide that uh pro that information directly. So um Taylor, if you're listening, you can cut the video. Cool. Uh and if any