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same place to provide clients with the necessary information to prevent foreclosure. Additionally clients were educated regarding services available if the prevention failed. Prosperity Unlimited provides foreclosure counseling to any client requesting assistance. They also pursue loan modifications and refinancing options to ensure that clients can continue to afford their homes to keep the clients in their home of choice. Finally, the clients are educated about state and federal programs to prevent foreclosure. 7. Property Tax Policies Cabarrus County provides residents with a number of tax relief programs. These include: Homestead Exclusion for Elderly & Disabled (NCGS 105- 277.01) Homestead Circuit Breaker Deferment (NCGS 105 -277B) Disabled Veteran Exclusion (NCGS 105 -277.1 C) Property Tax Exemptions (NCGS 105 -277.8 thru 278.8) Present Use Deferment Program (NCGS 105 -277.2 thru 277.7) These programs make property more affordable to maintain. Many properties in Cabarrus County may become less affordable for lower income families due to proximity to the Charlotte Motor Speedway, the Kannapolis Research Campus or Concord Mills Mall and other areas where there is a demand for property. These tax relief programs are prominently displayed on Cabarrus County's website and is recommended to potentially eligible clients by Human Services and nonprofit agencies. Citizens may visit the county tax offices at any time to learn how to obtain reductions that may be available to them. Additionally, Cabarrus County provides opportunities to persons with back taxes to establish payment plans that are affordable and appropriate for their income. There is also an appeals process beyond meeting with the Tax Assessor. Citizens may meet with the Board of Equalization and Review to have their case evaluated. This board makes decisions on the correctness of the value given to a property. This board is appointed by the Cabarrus County Board of Commissioners and consists of people who have knowledge in the field of real estate, assessment, etc. This function provides options to keep families in their choice of housing. Finally, Cabarrus County provides property tax incentives to businesses wishing to relocate to Cabarrus County in an effort to create more jobs. The incentive may be paid if the businesses meet criteria specified by the county. Reducing distances to employment centers may also encourage more housing choice. There are no known impediments in property tax policies. Cabarrus County's property tax rates are within the middle of the range when compared to surrounding property tax rates. 8. Planning and Zoning Boards 221Page Analysis of Impediments September 2015 Attachment number 2 \n F -6 Page 114