Project Information

Bid Title

Consultant Services For: HOME and CDBG LOAN PORTFOLIO MANAGEMENT

Issuing Agency

Lake County

Location

California

Published Date

Nov 12, 2025

Closing Date

Dec 15, 2025

Government Level

State & Local

Status

Closed

Ref. #

261551

Original Source

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Bid Documents

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Project Description

Bid Number:	261551
Bid Title:	Consultant Services For: HOME and CDBG LOAN PORTFOLIO MANAGEMENT
Category:	County General
Status:	Open

Description: 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. (See attached PDF for Scope of Services and other relative information.) Publication Date/Time: 11/12/2025 10:00 AM Closing Date/Time: 12/15/2025 4:00 PM Miscellaneous: Proposals whether submitted electronically or via hard copy must be received no later than Thursday November 27, 2025, by 4:00 p.m. Related Documents: Consultant Services - For: HOME and CDBG LOAN PORTFOLIO MANAGEMENT (PDF)

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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

Thursday November 27, 2025, by 4:00 p.m., and addressed to:

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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.

6.1 Proposals shall be opened and checked to ensure that each complies with the requirements

of the RFP. The absence of required information may render the proposal non-responsive and

may be cause for rejection.

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Commodity Codes

• NAICS 541611Administrative Management and General Management Consulting Services

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