Agenda 10/10/2017 Item #11E10/10/2017
EXECUTIVE SUMMARY
Recommendation to implement the State Housing Initiative Partnership (SHIP) Disaster Strategy
and approve associated technical revisions, approve a FY2016-2019 Local Housing Assistance Plan
(LHAP) Amendment 3 to add a new Demolition and/or Replacement of Site Built
Mobile/Manufactured Housing Strategy, approve a spending plan for all unencumbered funds to be
used for disaster recovery activities, and approve hiring of additional staff to administer the
accelerated spending plan.
OBJECTIVE: To provide disaster recovery assistance for Collier County residents in the aftermath of
Hurricane Irma.
CONSIDERATIONS: As a result of the impacts of Hurricane Irma in September 2017, Collier County
was a federally and state declared disaster area on September 10, 2017 Federal Emergency Management
Agency (FEMA) -4337-DR. Under Section 420.9075, Florida Statutes, when a disaster has been declared,
local government may award funds as a grant for construction, rehabilitation, or repair as part of disaste r
recovery or emergency repairs. Under Florida Administrative Code 67-3.005, local governments may
shift all unencumbered SHIP funds to the disaster strategy to assist homeowners and communities in the
rebuilding efforts. This also allows a county to allocate funds between the disaster strategy and other
strategies that will enable recovery in their community.
As part of our recovery efforts, the total amount of SHIP funds currently unencumbered total $3,336,617
from state fiscal years 16/17 and 17/18. The table below outlines how those funds will be distributed to
the various recovery activities. It is to be noted this recommendation does not include funding purchase
assistance which is traditionally our largest program, rental development, rental acquisition, or
foreclosure counseling during disaster response beyond what has already been programmed and approved
by the BCC prior to the storm. It is also to be noted that the proposed spending plan is only permissible
while the declared disaster executive order is in effect. Once the declared disaster executive order end
date occurs, the County will revert to the previously approved housing goals plan in the approved LHAP.
10/10/2017
F.S. Requirements: 60% to Low and Very low income, 10% to admin, no more than 20% to
manufactured/mobile home activities, no more than 25% to rental activities; BCC required maximum
remaining to serve households between 80% AMI and 120% AMI. Can only rehabilitate or replace
manufactured homes produced after 1994. Per the LHAP, the priority needs also apply for special needs
and essential services personnel.
*Limited due to no more than 20% to manufactured/mobile home activities; and option to place as much
as possible into the demo and replacement strategy.
Consideration was given to recommending funding for the rental rehabilitation program to allow for
landlords to repair rental units (mobile/manufactured homes in particular). Due to the limitation on
spending on rental projects and the expectation that landlords have insurance available (as compared with
individuals in distress), staff recommends allocating funding as noted above.
SHIP funds are distributed on a first-come, first-qualified basis, and are based on an extensive income
qualification process. Funds are available for all County residents. To assure we reach those most in need,
staff will perform additional outreach in hardest hit areas such as Everglades City, Chokoloskee, and
Immokalee. We will establish part-time, temporary field offices in those locations to assist in the
application and administration processes, and coordinate with local organizations most familiar with the
existing concerns and needs.
There are changes/decisions required to implement the above activities:
(1) Approve submission of appropriate technical revisions to the 2016-2019 LHAP for approval by
the Florida Housing Finance Corporation (funder).
a. Modify the disaster mitigation strategy to clarify use for single-family and
mobile/manufactured homes, a maximum award of $15,000 available for owner
completed or to be completed repairs, homeowners are required to submit proper invoices
in order to receive reimbursement for incurred expenses as a result of the declared
disaster, and to identify that work must be compliant.
10/10/2017
b. Confirm that the funds allocated under the disaster mitigation strategy are grants. This
means there will be no note and mortgage on the property and no repayment.
c. Confirmation that the income qualification methods and citizenship requirements are the
same for all the programs and will follow any existing or future local decisions that are
more restrictive than required by the state or the funding agency.
d. Modify the Rental Rehabilitation Strategy to clarify that landlords are also eligible
applicants, and to allow for use on mobile/manufactured homes.
(2) Approve Amendment 3 to the FY2016-2019 LHAP and approve submission of a new strategy
“Demolition and/or Replacement of Site Built Mobile/Manufactured Housing”
a. Develop a new strategy to address demolition and replacement of site housing (post-
1994). Confirm understanding that the funds, to include the manufactured/mobile home
replacement element, only are awarded after the exhaustion of other resources such as
insurance and FEMA relief. Further, to clearly allow for the purch ase of replacement
manufactured/mobile homes as replacement housing and to include additional expenses
such as transportation and installation, and any permitting required. The maximum award
will be $75,000, and the funds will be secured with a mortgage and note for 15 years,
forgivable 1/3 every 5 years.
b. If BCC approval is granted, this LHAP amendment and new strategy will be required to
receive approval from the City of Naples under our interlocal agreement and also the
Florida Housing Finance Corporation. Should there be substantial changes to the new
strategy in this process, staff will bring them back to the BCC for approval prior to
implementation Staff will expedite this process but can begin accepting applications
pending approval.
The program will be administered by Collier Community and Human Services (CHS) staff, and the
owner-occupied rehabilitation tasks will have their customary augmentation of a third-party professional
who will perform initial property damage inspection, work write-ups, cost estimates, and bid specification
development, bid reviews, and change order validation and final inspection. All work required to be
permitted will be properly permitted and inspected by Collier County Growth Management Department
(GMD) professionals, as applicable.
Typically, the County “opens” spending for a new funding year when the prior year or years are
substantially expended. In this situation, we will be making available essentially two years funding at one
time. Due to the complex nature of administering and monitoring grant awards and allocation of such a
large amount at once, existing staff is not sufficient to handle the increased workload. Therefore, it will be
necessary to secure two (2) additional grant support specialist job bank staff t o primarily assist in income
qualification and customer assistance, for a period of 24 months or through the declared incident period,
whichever is longer. It is also recommended to hire one (1) job bank operations analyst or accountant to
assist with short-term monitoring and overall grants compliance during this accelerated spending period
(estimated at 24 months). The award of these funds will require long-term monitoring to ensure
compliance with fiscal and programmatic local and state regulations. Staf f needs for long-term monitoring
will be evaluated at a later date.
It is the intent of this recovery effort to upgrade the existing housing stock, create new units, and provide
for needed community improvements.
Florida Housing Coalition, the County's technical advisor for SHIP and Florida Housing Finance
Corporation, the grantor, have assisted the County with the development of the proposed strategies.
10/10/2017
FISCAL IMPACT: The services of three additional staff positions, one (1) Operations Analyst and two
(2) Grants Support Specialists at 40 hours/week will be necessary from November 2017 to November
2019. The cost for these positions totals $127,996.16 and will be covered by grant administration until
exhausted. Funds are budgeted in SHIP Fund 791, Projects 33467 (16/17) and 33525 (17/18).
GROWTH MANAGEMENT IMPACT: Efforts are consistent and support the Housing and Future
Land Use Elements of the Collier County Growth Management Plan by providing housing assistance,
infrastructure improvements and other programs to improve the health, safety, and welfare of the very
low- to moderate-income residents of the community.
LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority vote
for Board approval. - JAB
RECOMMENDATION: Recommendation to implement the SHIP Disaster Strategy and approve
associated technical revisions, approve a FY2016-2019 LHAP Amendment 3 to add a new Demolition
and/or Replacement of Site Built Mobile/Manufactured Housing strategy, approve a spending plan for all
unencumbered funds to be used for disaster recovery activities, and approve hiring of additional staff to
administer the accelerated spending plan.
Prepared by: Kristi Sonntag, Federal/State Grant Manager, Community and Human Services Division
ATTACHMENT(S)
1. Housing Delivery Goals Chart (PDF)
2. Resolution LHAP (PDF)
3. Certification to Florida Housing Finance Corp (PDF)
4. LHAP 2016-2019 for agenda 100417-1455 (DOCX)
10/10/2017
COLLIER COUNTY
Board of County Commissioners
Item Number: 11.E
Doc ID: 3863
Item Summary: Recommendation to implement the State Housing Initiative Partnership (SHIP)
Disaster Strategy and approve associated technical revisions, approve a FY2016-2019 Local Housing
Assistance Plan (LHAP) Amendment 3 to add a new Demolition and/or Replacement of Site Built
Mobile/Manufactured Housing Strategy, approve a spending plan for all unencumbered funds to be used
for disaster recovery activities, and approve hiring of additional staff to administer the accelerated
spending plan. (Kim Grant, Director, Community and Human Services)
Meeting Date: 10/10/2017
Prepared by:
Title: Grants Coordinator – Community & Human Services
Name: Lisa Carr
10/02/2017 5:36 PM
Submitted by:
Title: Division Director - Cmnty & Human Svc – Public Services Department
Name: Kimberley Grant
10/02/2017 5:36 PM
Approved By:
Review:
Public Services Department Kimberley Grant Additional Reviewer Completed 10/03/2017 11:05 AM
Community & Human Services Kristi Sonntag Additional Reviewer Completed 10/03/2017 11:08 AM
Community & Human Services Leslie Davis Additional Reviewer Completed 10/03/2017 11:58 AM
Operations & Veteran Services Sean Callahan Additional Reviewer Completed 10/03/2017 1:01 PM
Community & Human Services Maggie Lopez Additional Reviewer Completed 10/03/2017 2:08 PM
Public Services Department Todd Henry Level 1 Division Reviewer Completed 10/03/2017 3:19 PM
County Attorney's Office Jennifer Belpedio Level 2 Attorney of Record Review Completed 10/03/2017 4:51 PM
Public Services Department Steve Carnell Level 2 Division Administrator Review Completed 10/03/2017 5:12 PM
Grants Erica Robinson Level 2 Grants Review Completed 10/04/2017 9:43 AM
Office of Management and Budget Valerie Fleming Level 3 OMB Gatekeeper Review Completed 10/04/2017 9:51 AM
County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Completed 10/04/2017 1:39 PM
Budget and Management Office Ed Finn Additional Reviewer Completed 10/04/2017 3:09 PM
Grants Therese Stanley Additional Reviewer Completed 10/04/2017 3:19 PM
County Manager's Office Leo E. Ochs Level 4 County Manager Review Completed 10/04/2017 5:07 PM
10/10/2017
Board of County Commissioners MaryJo Brock Meeting Pending 10/10/2017 9:00 AM
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RESOLUTION No. 2017-
A RESOLUTION OF THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA,
REVISING THE LOCAL HOUSING ASSISTANCE PLAN
FOR FISCAL YEARS 2016-20179 2017-2018, AND 2018-
20199 AS REQUIRED BY THE STATE HOUSING
INITIATIVES PARTNERSHIP (SHIP) PROGRAM;
REVISING THE DISASTER MITIGATION STRATEGY,
RENTAL REHABILITATION STRATEGY AND ADDING
A NEW DEMOLITION AND/OR REPLACEMENT
STRATEGY FOR MOBILE/MANUFACTURED HOUSING
STRATEGY.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing
Act on July 7, 1992 , Chapter 92-317 of Florida Sessions Laws, allocating a portion of
documentary stamp taxes on deeds to local governments for the development and maintenance of
affordable housing; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, Subsections 420.907-
420.9079, Florida Statutes, and Chapter 67-37, Florida Administrative Code, requires local
governments to develop a one — to - three-year Local Housing Assistance Plan outlining how
funds will be used; and
WHEREAS, the SHIP Act requires local governments to revise their Local Housing
Assistance Plan when a technical revision is made to a local housing assistance strategy; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, Subsections 420.907-
420.9079, Florida Statutes (1992), and Chapter 67-37, Florida Administrative Code, requires
local governments to forward technical revisions to their Local Housing Assistance Plans to the
Florida Housing Finance Corporation for review; and
WHEREAS, the Community and Human Services Division has revised 2016-2019 Local
Housing Assistance Plan in response to Hurricane Irma for submission to the Florida Housing
Finance Corporation; and
WHEREAS, the Board of County Commissioners finds that it is in the best interest of
the citizens of Collier County for it to submit the Local Housing Assistance Plan for review and
approval so as to qualify for said documentary stamp tax funds with administrative costs paid
from moneys deposited into the local housing assistance trust fund.
NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA that:
Section 1: The Housing Delivery Goals Chart of the 2016-2019 LHAP has been updated to
reflect changes as a result of disaster mitigation strategies.
Section 2: Revise the Disaster Mitigation and Rental Rehabilitation Strategies and add a
new Demolition and/or Replacement of Site Built Mobile/Manufactured Housing
Strategy.
Section 3: This resolution shall take effect immediately upon its adoption.
This Resolution adopted this day of 2017, after motion
second and majority in favor of passage.
ATTEST:
DWIGHT E. BROCK, CLERK
, DEPUTY CLERK
Approval for form and legality:
Jennifer A. Belpedio
Assistant County Attorney
BOARD OF COUNTY COMMISSIONERS
OF COLLIER COUNTY, FLORIDA
0
Chairman Penny Taylor
DISTRICT 4 COMMISSIONER
Exhibit D
67-37.005(1), F.A.C.
Effective Date: 10/14
CERTIFICATION TO
FLORIDA ROUSING FINANCE* CORPORATION
Local Government: Collier County
(1) The local government will advertise the availability of SNIP funds pursuant to Florida
Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race, creed, religion, color, age, sex, familial or marital
status, handicap, or national origin.
(3) A. process for selection of recipients for funds has been developed.
(4) The eligible municipality or county has developed a qualification system for applications for
awards.
(5) Recipients of funds will be required to contractually commit to program guidelines.
(5) The Florida Housing Finance Corporation will be notified promptly if the local
government (or interlocal entity) will be unable to comply with the provisions the plan.
(7) The Local Housing Assistance Plan shall provide for the expenditure of SHIP funds
including allocation, program income and recaptured funds within 24 months following the
end of the State fiscal year in which they are received.
(8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment to
the Local Government Comprehensive Plan will be initiated at the next available opportunity
to insure conformance with the Local Housing Assistance Plan.
(9) Amendments to the approved Local Housing Assistance Plan shall be provided to the
Corporation with in 21 days after adoption.
(10) The trust fund shall be established with a qualified depository for all SHIP funds as well
as moneys generated from activities such as interest earned on loans.
(11) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted
by law.
(12) The local housing assistance trust fund shall be separately stated as a special revenue fund in
the local governments audited financial statements, copies of the audits will be forwarded to
the Corporation as soon as available.
Exhibit D
67-37.005(1), F.A.C.
Effective Date: 10114
13) An interlocal entity shall have its local housing assistance trust fund separately audited
for each state fiscal year, and the audit forwarded to the Corporation as soon as'possible.
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) Developers receiving assistance from both SHIP and the Love Income Housing Tax
Credit (LIHTC) Program shall comply with the income, affordability and other LIHTC
requirements, similarly, any units receiving assistance from other federal programs shad
comply with all Federal and SHEP program requacments.
(16) Loans shall be provided for periods not exceeding 30 years; except for deferred payment
loans or loans that extend beyond 30 years which continue to service eligible persons.
(17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least
annually for 15 years.for•compliance with tenant income requirements and affordability
requirements or as required in Section 420.9075 (3)(e)
(18) The Plan meets the requirements of Section 420-907-9079 FS, and R -We Chapter 67-37 FAC,
and how each of those requirements shall be net.
(19) The provisions of Chapter 83-220, Laws of Florida has or `X has not _
been implemented. (note: Miami Dade County will check "bas")
Date
OR.
Attest:
(Seal)
2
1A
Chief Elected Official or designee
Penny Taylor, Chairwoman
Approved as to form and legality
Assistant County Attorneya,J�J
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 1 -
Collier County, Florida
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2016-2017, 2017-2018 and 2018-2019
ADOPTED BY RESOLUTION 2016-75
Amended by Resolution 2017- ___
Amended by Resolution 2017- ____
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 2 -
Table of Contents
Description Page #
Section I, Program Details 3
Section II, Housing Strategies 8
A. Owner Occupied Rehabilitation 8
B. Purchase Assistance 10
C. Foreclosure Prevention 13
D. Disaster Mitigation 16
E. Rental Development 18
F. Rental Assistance 20
G. Rental Rehabilitation 21
H. Rental Acquisition 23
I. I. New Strategy – Construction Assistance 25
II. J. New - Demolition and/or Replacement of Site Built Mobile/Manufactured Housing 29
Section III, Incentive Strategies 2932
A. Expedited Permitting 2932
B. Ongoing Review Process 2932
C. Other Incentive Strategies Adopted 2932
Exhibits 3133
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the Plan
D. Signed LHAP Certification
E. Signed, dated, witnessed or attested adopting resolution
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement
H. Other Documents Incorporated by Reference
I. Short Sale Policy
J. Essential Personnel Certification
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 3 -
I. Program Details:
A. Name of the participating local government:
Collier County Board of County Commissioners
Is there an Interlocal Agreement: Yes __X_____ No ______
If “Yes”, name local government(s) in the Interlocal Agreement:
__City of Naples_________________________________________________
B. Purpose of the program:
1. To meet the housing needs of the extremely low, very low, low and moderate income households;
2. To expand production of and preserve affordable housing; and
3. To further the housing element of the local government comprehensive plan specific to affordable
housing.
C. Fiscal years covered by the Plan: 2016-2017, 2017-2018 and 2018-2019
D. Governance:
The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and Chapter
67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes, rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership:
The SHIP Program encourages building active partnerships between government, lenders, builders and
developers, real estate professionals, advocates for low-income persons and community groups.
F. Leveraging:
The Plan is intended to increase the availability of affordable residential units by combining local resources
and cost saving measures into a local housing partnership and using public and private funds to reduce the
cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing Finance
Corporation programs and to provide local match to obtain federal housing grants or programs.
G. Public Input:
Public input was solicited through face to face meetings with housing providers, social ser vice providers
and local lenders and neighborhood associations. Public input was solicited through the local newspaper
and County website in the advertising of the Local Housing Assistance Plan and the Notice of Funding
Availability.
H. Advertising and Outreach:
SHIP funding availability shall be advertised in a newspaper of general circulation and periodicals serving
ethnic and diverse neighborhoods, at least 30 days before the beginning of the application period. If no
funding is available due to a waiting list, no notice of funding availability is required.
For advertisements other than NOFA’s, the County will accept applications during the dates specified in
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 4 -
the advertisement distributed via the County website, email or via the County purchasing office.
I. Waiting List/Priorities:
A waiting list will be established when there are eligible applicants for strategies that no longer have funding
available or when a fiscal year is not open for disbursement. Those households on the waiting list will be
notified of their status. Applicants will be maintained in an order that is consistent with the time applications
were submitted as well as any established funding priorities as described in this plan and separated based
on the strategy applied for. Priorities for funding described/listed here apply to all strategies unless
otherwise stated in the strategy.
When funds are available for a particular strategy, the applicants from the waiting list will be contacted to
complete/update the application for SHIP assistance. Applicants will be placed in the queue for assistance
once they have provided all required documentation and been deemed SHIP eligible.
Once there is a list of eligible applicants, they will be ranked in the following order.
Ranking Priority:
1. Special Needs Households - Extremely low, Very low, low and moderate-income households and
persons with special needs as defined in Florida Administrative Code, 67-37.002 Definitions (21)
Persons Who Have Special Housing Needs.
a) Extremely low
b) Very low
c) Low
d) Moderate
2. Essential Services Personnel
a) Extremely low
b) Very low
c) Low
d) Moderate
3. After Special Needs Set-asides and ESP goals are met
a) Extremely low
b) Very Low
c) Low
d) Moderate
J. Discrimination:
In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the basis of race, color,
religion, sex, national origin, age, handicap, or marital status in the award application process for eligible
housing.
K. Support Services and Counseling:
Support services are available from various sources. Available support services may include but are not limited
to: Homeownership Counseling (Pre and Post), Credit Counseling, Tenant Counseling, and Foreclosure
Counseling, through qualified HUD approved agencies.
L. Purchase Price Limits:
The sales price or value of new or existing eligible housing may not exceed 90% of the average area purchase
price in the statistical area in which the eligible housing is located. Such average area purchase price may be
that calculated for any 12-month period beginning not earlier than the fourth calendar year prior to the year in
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 5 -
which the award occurs. The sales price of new and existing units, which can be lower but may not exceed
90% of the median area purchase price established by the U.S. Treasury Department or as described above.
The methodology used is:
__X__ U.S. Treasury Department
_____ Local HFA Numbers
M. Income Limits, Rent Limits and Affordability:
The Income and Rent Limits used in the SHIP Program are updated annually by the Department of Housing
and Urban Development and posted at www.floridahousing.org.
Affordable means that monthly rents or mortgage payments including taxes and insurance do not exceed 30
percent of that amount which represents the percentage of the median annual gross income for the households
as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual household’s ability
to devote more than 30% of its income for housing, and housing for which a household devotes more than 30%
of its income shall be deemed Affordable if the first institutional mortgage lender is satisfied that the household
can afford mortgage payments in excess of the 30% benchmark and in the case of rental h ousing does not
exceed those rental limits adjusted for bedroom size. Any exceptions to the ratios must be approved by the
Community and Human Services Director.
N. Welfare Transition Program:
Should an eligible sponsor/subrecipient be used, a qualification system and selection criteria for applications
for Awards to eligible sponsors/subrecipients shall be developed, which includes a description that demonstrates
how eligible sponsors/subrecipients that employ personnel from the Welfare Transition Program will be given
preference in the selection process.
O. Monitoring and First Right of Refusal:
In the case of rental housing, the staff and any entity that has administrative authority for implementing the
local housing assistance plan assisting rental developments shall annually monitor and determine tenant
eligibility or, to the extent another governmental entity provides the same monitoring and determination, a
municipality, county or local housing financing authority may rely on such monitoring and determination of
tenant eligibility. However, any loan or grant in the original amount of $3,000 or less shall not be subject to
these annual monitoring and determination of tenant eligibility requirements. Tenant eligibility will be
monitored annually for no less than 15 years or the term of assistance whichever is longer unless as specified
above.
Eligible sponsors/Subrecipients that offer rental housing for sale before 15 years or that have remaining
mortgages funded under this program must give a first right of refusal to eligible nonprofit organizations for
purchase at the current market value for continued occupancy by eligible persons.
P. Administrative Budget:
A line-item budget of proposed Administrative Expenditures is attached as Exhibit A.
Collier County, FL finds that the moneys deposited in the local housing assistance trust fund shall be used to
administer and implement the local housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: “A county or
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 6 -
an eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing
body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is
insufficient to adequately pay the necessary costs of administering the local housing assistance plan.”
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further states: “The
cost of administering the program may not exceed 10 percent of the local housing distribution plus 5 percent of
program income deposited into the trust fund, except that small counties, as defined in s. 120.52(17), and eligible
municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of program
income for administrative costs.” The applicable local jurisdiction has adopted the above findings in the
resolution attached as Exhibit E.
Q. Program Administration:
Administration of the local housing assistance plan may be wholly performed and maintained by Collier
County, FL.
Or
Should a third party entity or consultant be contracted for all of part of the administrative or other functions of
the program, the County will provide in detail the duties, qualification and selection criteria as detailed in each
strategy and allowed by statute.
R. Project Delivery Costs: In addition to the administrative costs listed above, the county or sponsor/subrecipient
may charge a reasonable ten (10%) percent for project delivery cost to cover inspections and other eligible
project delivery activities performed by county or non-county employees for rehabilitation projects. A
sponsor/subrecipient may charge project delivery to cover the cost of assisting eligible homebuyers or tenants
in the application process. The delivery cost will be included in the maximum award to the beneficiary. The
County will require time sheets from sponsor/subrecipient to track employee hours to prevent duplication of
payment.
S. Essential Service Personnel Definition: Essential Service Personnel (ESP) persons involved in providing
essential services in Collier County, as defined as follows: Those individuals employed in the community as
teachers, educators, other school district employees, community college and university employees, police and
fire personnel, health care personnel, skilled building trades personnel (as listed in the U.S. Department of
Labor, General Decision No. FL 150012, dated 3/20/2015, for building construction in Collier County, Florida,
as may be amended or superseded from time to time), and government employees, in compliance with Section
420.9075(3) (a), Fla. Statute and Exhibit J Essential Personnel Certification.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 7 -
T. Green Building and Energy Saving products and processes: The County will, when economically feasible,
employ the following Green Building requirements on rehabilitation and emergency repairs:
1. Low or No-VOC paint for all interior walls (Low-VOC means 50 grams per liter or less for flat paint;
150 grams per liter or less for non-flat paint);
2. Low-flow water fixtures in bathrooms—WaterSense labeled products or the following specifications:
a. Toilets: 1.6 gallons/flush or less,
b. Faucets: 1.5 gallons/minute or less,
c. Showerheads: 2.2 gallons/minute or less;
3. Energy Star qualified refrigerator;
4. Energy Star qualified dishwasher, if provided;
5. Energy Star qualified washing machine, if provided in units;
6. Energy Star qualified exhaust fans in all bathrooms; and
7. Air conditioning: Minimum SEER of 14. Packaged units are allowed in studios and one bedroom units
with a minimum of 11.7 EER.
These requirements may be adjusted for rental developments if the requirement of other construction funding
sources requires a more prescriptive list.
Innovative design, green building principles, storm resistant construction or other elements that reduce long term
costs relating to maintenance, utilities or insurance.
Collier County Homeownership Education classes provide curriculum on cost cutting measures that homeowners
can use to reduce energy consumption. Collier County also encourages the use or inclusion, when appropriate, of
the following: energy star appliances; low-E windows; additional insulation (for increased R-value); ceramic tile;
tank-less water heater; 14 and 15 SEER air conditioning units; stucco; florescent light bulbs; impact resistant
windows and doors.
U. Describe efforts to meet the 20% Special Needs set-aside: Collier County will utilize at least 20% of funding
to assist persons meeting the State of Florida definition of special needs. Prioritization of funding will be for
the rehabilitation of owner occupied homes of persons with special needs. Outreach for clients will include
marketing to a variety of agencies, including but not limited to, Agency for Persons with Disabilities, United
Cerebral Palsy, etc. Additionally, advertisements in publications of general circulation may also be used.
Should efforts to attract special needs clients under the rehabilitation strategy not produce the amount
necessary to reach the set aside, persons meeting the definition of special needs may be assisted with other
approved LHAP strategies and counted towards the set-aside
V. Describe efforts to reduce homelessness: Collier County supports Continuum of Care (CoC) to simplify and
broaden outreach and assessment efforts for homeless persons in Collier County. Much of the outreach to
homeless persons is conducted at community events such as the Point in Time Count. Additionally, outreach
is conducted by the many caseworkers at community agencies, the Collier County Hunger and Homeless
Coalition, schools, and other entities that encounter the homeless during other service delivery or during
their regular course of business. Needs are assessed during these points of contact, and referrals are made
as appropriate. The County’s local resources include the federal CDBG and the state SHIP funds.
W. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit proof of U.S.
citizenship or U.S. permanent residency.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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Section II. LHAP Strategies:
A.
Owner Occupied Rehabilitation Code 3
a. Summary of Strategy: SHIP funds will be awarded to households in need of repairs to correct code
violations, health and safety issues, electrical, plumbing, roofing, windows and other structural items.
The home must be suitable for rehabilitation and located within the City of Naples or unincorporated and
incorporated areas of Collier County. Loans for assistance may include costs related to all eligible repairs,
inspections, work write-ups, recording fees and project delivery fees.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Extremely Low, Very-low, Low and Moderate
d. Maximum award: $55,000
* Rehabilitation amount is $50,000. Additional cost including project delivery fee may exceed the $50,000
rehabilitation award amount and shall be recorded on a subordinate mortgage depending on cost of total
project. In no case shall the maximum award exceed $55,000.
e. Terms:
1. Loan/grant: Funds will be awarded as a deferred payment loan secured by a recorded subordinate
mortgage and note.
2. Interest Rate: 0%
3. Term: 15 years
4. Forgiveness/Repayment: Funds will be secured with a recorded fifteen (15) year, 0% interest, deferred
subordinate mortgage on the property in the amount of the funds used in the project. The fifteen (15)
years will began once all final invoices are paid and deferred subordinate mortgage is signed by
homeowner. If all conditions of the loan are met, one-third of the loan will be forgiven in five year
increments so that at the end of the fifteenth year the loan is forgiven. Monthly payments are not
required.
5. Default/Recapture: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to a rental property; loss of
homestead exemption status; or failure to occupy the home as primary residence. If any of these occur,
the outstanding balance will be due and payable.
Persons that qualify for SHIP assistance will be required to contractually agree to all SHIP program
guidelines, County SHIP mortgage requirements, repayment provisions, and certify that the unit
assisted will be their primary residence.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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Repayment of the loan is required in full when one of the following conditions is met, whichever occurs
first:
1. Sale, if proceeds are not sufficient to pay off the mortgage note then the homeowner may
contact the County regarding a settlement amount of the SHIP loan that is outlined in the
County’s “Short Sale Policy”.
2. Title transfer, either voluntarily or by operation of law, divested of title by judicial sale, levy
or other proceedings, including foreclosure or Deed in Lieu.
3. Refinance, a refinance of the first mortgage may be approved without repayment if the request
is submitted in writing and the refinance is at a lower fixed rate with no cash out in accordance
with the “Subordination Policy”.
4. Home is no longer primary residence, abandoned, leased or rented. In the event that all
mortgage holders are deceased, the loan will be forgiven. In cases where the qualifying
homeowner(s) die(s) during the loan term, the loan may be assumed by a SHIP eligible heir who
will occupy the home as a primary residence. If the legal heir is not SHIP eligible or chooses not
to occupy the home, the outstanding balance of the loan will be due and payable.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
The County has determined the following terms and provisions for program income versus recaptured
funds:
All funds are deposited into the Local Housing Trust Fund and reported as Program Income or Recaptured
Funds in the State Fiscal Year they are received as appropriate for Annual Reporting purposes.
In cases where the qualifying homeowner(s) die(s) during the loan term, the loan may be assumed by a
SHIP eligible heir who will occupy the home as a primary residence. If the legal heir is not SHIP eligible
or chooses not to occupy the home, the outstanding balance of the loan will be due and payable.
If the home is foreclosed on by a superior mortgage holder, the county may make an effort to recapture
funds through the legal process if it is determined that adequate funds may be available to justify pursuing
a repayment.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified, first-served
basis with the priorities for Special Needs, Essential Services Personnel and income groups as described in
Section I. of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied Rehabilitation to the
County/Sponsor/Subrecipient for a determination of eligibility at any time. Applicants are required to provide
all documentation requested for income, eligibility and qualification determination. Applicants will receive a
pre-approval letter and their file will be submitted to the Sponsor/Subrecipient for unit eligibility.
g. Sponsor/Subrecipient Selection Criteria: The County may issue an application a requesting for applications
for Construction Management/Subrecipient services from non-profit or for profit organizations.
Organizations will may to provide the application intake and certification of households applying for Owner
Occupied Rehabilitation as well facilitating the rehabilitation of the property. However, the County will process
the intake and handle the household application process.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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Organizations will may submit the proposal as outlined in the RFP application and initially provide information
including, but not limited to, application intake process, income certification, contractor and bid process or prior
rehabilitation and/or income certification experience with references. Additional information will be obtain
such as resumes, construction oversight, construction agreements, accounting and financial information for
project tracking and payment, organization experience, audit reports, financial statements, and income
documentation for evaluation of sponsor/subrecipient eligibility.
h. Additional Information: Mobile or manufactured homes will only be eligible for housing assistance if owner
occupied, is affixed to the ground, the land is also owned by the occupant, the repairs do not exceed 90% of the
value of the existing property and residence; and any and all repairs are within existing codes for the property.
B.
Purchase Assistance Code 1, 2
a. Summary of Strategy: SHIP funds will be awarded for down payment and closing costs to
households to purchase a newly constructed or an existing single family home or condominium. A newly
constructed home must have received a certificate of occupancy within the last twelve months. An existing
home with at least $2,500 in rehabilitation completed within the last twelve months or within 12 months
after purchase may be considered to meet the construction set aside requirement as evidenced by
documentation of the completed repairs. Funding, which is provided as a subordinate mortgage loan, may
be used for down payment, closing costs and principal buy-down as needed for affordable home ownership.
Prospective homebuyers must qualify as a First Time Homebuyer under the HUD definition: An individual
who has had no ownership in a principal residence during the 3-year period ending on the date of purchase
of the property. This includes a spouse (if either meets the above test, they are considered first -time
homebuyers). A single parent who has only owned with a former spouse while married. An individual who
is a displaced homemaker and has only owned with a spouse. An individual who has only owned a principal
residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
An individual who has only owned a property that was not in compliance with state, local or model building
codes and which cannot be brought into compliance for less than the cost of constructing a permanent
structure.
SHIP funds may be used in conjunction with a first mortgage loan obtained from a participating lender,
not-for-profit developer, Florida Housing Finance Corporation’s Bond Program or Rural Development.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Extremely low, Very-low, low and moderate
d. Maximum award: Extremely/Very Low: $55,000*
Low: $35,000*
Moderate: $25,000 *
*Additional $5,000 may be included for Essential Services Personnel.
In the event that another funding source, such as CDBG or HOME, used, are used in conjunction
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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with SHIP, the total amount of assistance from all sources will not exceed the maximum award as
stated herein.
e. Terms:
1. Loan/grant: Funds will be awarded as a deferred payment loan secured by a recorded
subordinate mortgage and note.
2. Interest Rate: 0%
3. Term: 15 years
4. Forgiveness/Repayment: Funds are secured with a recorded fifteen (15) year, 0% interest,
and deferred payment subordinate mortgage loan and note forgiven at the end of the 15
year period if all conditions have been met. The County will take a third position if FHFC
funds are used in addition to SHIP or at the discretion of the Division Director. Monthly
payments are not required.
5. Default/Recapture: The loan may be determined to be in default if any of the following
occurs: sale, transfer, or conveyance of property; conversion to a rental property; loss of
homestead exemption status; or failure to occupy the home as primary residence. If any of
these occur, the outstanding balance will be due and payable.
Repayment of the loan is required in full when one of the following conditions is met,
whichever occurs first:
1. Sale; if proceeds are not sufficient to pay off the mortgage note then the homeowner
may contact the County regarding a settlement amount of the SHIP loan
2. Title transfer, either voluntarily or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
3. Refinance; a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate with no
cash out in accordance with the “Subordination Policy”.
4. Home is no longer primary residence, or is leased or rented. In the event that all
mortgage holders are deceased, the loan will be forgiven. In cases where the qualifying
homeowner(s) die(s) during the loan term, the loan may be assumed by a SHIP eligible
heir who will occupy the home as a primary residence. If the legal heir is not SHIP
eligible or chooses not to occupy the home, the outstanding balance of the loan will be
due and payable.
4.
The County reserves the right to foreclose if the homeowner does not repay the loan as
noted above.
The County has determined the following terms and provisions for program income versus
recaptured funds:
All funds are deposited into the Local Housing Trust Fund and reported as Program Income
or Recaptured Funds in the State Fiscal Year they are received as appropriate for Annual
Reporting purposes.
In cases where the qualifying homeowner(s) die(s) during the loan term, the loan may be
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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assumed by a SHIP eligible heir who will occupy the home as a primary residence. If the
legal heir is not SHIP eligible or chooses not to occupy the home, the outstanding balance
of the loan will be due and payable.
If the home is foreclosed on by a superior mortgage holder, the country may make an effort
to recapture funds through the legal process if it is determined that adequate funds may be
available to justify pursuing a recapture.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel and income
groups as described in section I. (I) of this plan.
An applicant may submit a completed application for Housing Assistance to the County for a
determination of eligibility at any time. Applicants are required to provide all documentation
requested for income, eligibility, and qualification determination.
Funds will be reserved and awarded to applicants that have met all of the County requirements, are
SHIP Income Certified, homebuyer’s certification and have a mortgage loan approval from a
participating Lender prior to submitting an applicant.
Applicants must attend a county approved Homeowner Education Program and provide a copy of
the certificate to the Division prior to submitting an application. The Certificate must be dated
within one year of County application date.
g. Sponsor/Subrecipient/Developer Selection Criteria: The County will may issue a Request for
Proposals/Application for Purchase Assistance Project Management from non -profit /for profit
organizations.
Organizations are may choose to provide the Application intake and income certification of
households applying for Purchase Assistance.
Organizations must submit the proposal an application as outlined in the RFP/Application and
initially provide information including, but not limited to, application intake process, income
certification process, prior Purchase Assistance and/or income certification experience with
references. Additional information to be obtained will include resumes, project management
oversight, prior agreements, accounting and financial information for project tracking and payment,
organization experience, audit reports, financial statements, for evaluation of sponsor/subrecipient
eligibility.
Non-profit / for profit housing providers subrecipient/sponsor will be evaluated competitively using
established evaluation and selection criteria.
CHS staff will evaluate review each application submitted. In the initial phase staff will review the
application for general conformance with the submission requirements. The evaluation final
phase will consist of an in-depth review of the following:
Compliance with SHIP regulations
Project risk analysis
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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Financial risk analysis
Capacity and experience
Project feasibility
Adherence to SHIP eligibilities/requirements
Past performance evaluation
h. Additional Information: Applicants must secure a first mortgage by an approved lender.
i. Units assisted must be within the incorporated or unincorporated area of Collier
County.
ii. Mobile or manufactured homes are not a category of eligible housing for the County
at this time.
iii. Completion of the Homebuyer Education Program is mandatory prior to closing.
iv. First mortgage must be at a fixed rate; no ARM’s, prepayment penalty, negative
amortizations, balloon loan, owner financing or other non-affordable loan terms are
allowed.
v. Financial Institutions must be approved by the County in order to participate in the
SHIP Program.
C.
Foreclosure Prevention Code 7
a. Summary of Strategy: Funds will be awarded to homeowners that are in arrears on their first
mortgage and/or Homeowner Association Fees. The arrearage and/or fees must be at least three
months, but no more than six months and cannot be under an active foreclosure action.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Extremely low, Very-low, Low and Moderate
d. Maximum award: $10,000
e. Terms:
1. Loan/grant: Funds will be awarded as a deferred payment loan secured by a recorded
subordinate mortgage and note
2. Interest Rate: 0%
3. Term: 5 years
4. Forgiveness/Repayment: N/A
5. Default/Recapture: Repayment due upon sale, transfer, or conveyance of property;
conversion to a rental property; loss of homestead exemption status; or failure to occupy the
home as primary residence. If any of these occur, the outstanding balance will be due and
payable.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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Repayment of the loan is required in full when one of the following conditions is met,
whichever occurs first:
1. Sale; if proceeds are not sufficient to pay off the mortgage note then the
homeowner may contact the County regarding a settlement amount of the SHIP
loan
2. Title transfer, either voluntarily or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
3. Refinance; a refinance of the first mortgage may be approved without repayment
if the request is submitted in writing and the refinance is at a lower fixed rate with
no cash out in accordance with the “Subordination Policy”.
4. Home is no longer primary residence, or is leased or rented. In the event that
all mortgage holders are deceased, the loan will be forgiven. In cases where the
qualifying homeowner(s) die(s) during the loan term, the loan may be assumed by
a SHIP eligible heir who will occupy the home as a primary residence. If the legal
heir is not SHIP eligible or chooses not to occupy the home, the outstanding
balance of the loan will be due and payable.
5.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
The County has determined the following terms and provisions for program income versus
recaptured funds:
All funds are deposited into the Local Housing Trust Fund and reported as Program Income
or Recaptured Funds in the State Fiscal Year they are received as appropriate for Annual
Reporting purposes.
In cases where the qualifying homeowner(s) die(s) during the loan term, the loan may be
assumed by a SHIP eligible heir who will occupy the home as a primary residence. If the legal
heir is not SHIP eligible or chooses not to occupy the home, the outstanding balance of the
loan will be due and payable.
If the home is foreclosed on by a superior mortgage holder, the county may make an effort to
recapture funds through the legal process if it is determined that adequate funds may be
available to justify pursuing a recapture.
f. Recipient Selection Criteria: In addition to being selected on a first-qualified,
first –served basis, applicants must:
1. Provide proof on the arrearage in the form of notification from the mortgage holder.
This cannot be from a private mortgage holder.
2. Provide evidence of a hardship that caused the arrearage (health issue, loss of
employment/income, death of household member, divorce, or other evidence
acceptable to the division director).
3. Provide a written statement as evidence of the ability to resume making payments after
the assistance is used which includes an explanation of how the hardship has been
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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overcome and an indication of the budget plan that will allow for resumption of
payments.
4. Receive counseling from a HUD approved agency trained in foreclosure counseling.
The counseling agency must sign off on the budget plan.
g. Sponsor/Subrecipient Selection Criteria: The County will issue a Request for
Proposals/Application for Purchase Assistance Project Management Foreclosure Prevention
Services from non-profit /for profit organizations.
Organizations are to provide the Application intake and income certification of households
applying for foreclosure prevention.
Organizations must submit the proposal as outlined in the RFP/Application and initially provide
information including, but not limited to, application intake process, income certification process,
prior foreclosure assistance and/or income certification experience with references as well as
experience with foreclosure counseling. Additional information to be obtained will include
resumes, project management oversight, prior agreements, accounting and financial information
for project tracking and payment, organization experience, audit reports, financial statements, for
evaluation of sponsor/subrecipient eligibility.
Non-profit/for profit housing subrecipient/sponsor will be evaluated using established evaluation
and selection criteria.
CHS staff will evaluate each application submitted. In the initial phase staff will review the
application for general conformance with the submission requirements. The evaluation final
phase will consist of an in-depth review of the following:
Compliance with SHIP regulations
Project risk analysis
Financial risk analysis
Capacity and experience
Project feasibility
Adherence to SHIP eligibilities/requirements
Past performance evaluation
h. Additional Information: Applicants may be required to apply to other foreclosure assistance
programs (Foreclosure Counseling Program) for assistance prior to being approved for assistance
under this strategy.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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D.
Disaster Mitigation Code 5
a. Summary of Strategy: The Disaster Strategy provides assistance to owner-occupied households
(single family and mobile/manufactured homes) following a disaster as declared by the President of the
United States or Governor of the State of Florida. This strategy will only be implemented in the event of a
disaster using any funds that have not yet been encumbered or additional disaster funds issued by Florida
Housing Finance Corporation. Also, this will bemay be awarded along with the Owner Occupied
Rehabilitation Programs and any other LHAP strategy that is deemed necessary. SHIP disaster funds are
intended for work already completed and paid for, or work to be completed or procured by the household.
SHIP disaster funds may be used for items such as, but not limited to:
- Tree and debris removal to make individual housing units habitable;
- Interim repairs to avoid further damage to home;
- Emergency supplies to weather proof damaged home;
- Building permits;
- Post disaster assistance with non-insured repairs;
- Insurance deductibles;
- Expenses to prevent flooding of home such as sand bags, sand, pump, rental, etc.; and
- Construction of wells or repair of existing wells where public water is not available.
- Immediate threats to health and life safety (sewage, damaged windows, roofing) in cases where the
home is still habitable.
- Imminent residual damage to the home (such as damage caused by a leaking roof) in cases where the
home is still habitable.
- Repairs necessary to make the home habitable.
- Repairs to mitigate dangerous situations (exposed wires)
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Extremely/Very-low, low, moderate income
d. Maximum award: $30,000 $15,000. The maximum award for other strategies used in conjunction
with this strategy will be permitted.
e. Terms:
1. Loan/grant: Funds will be awarded as a grant with no recapture terms. The terms of an
award under the other strategies, if used in conjunction, will apply.
2. Interest Rate: 0%
3. Terms: N/A
4. Forgiveness/Repayment: N/A If awarded funds under another strategy to be used in
conjunction with the disaster strategy, those repayment terms will apply.
5. Default/Recapture: All SHIP funds provided under this strategy to eligible households
will be in the form of a grant and not subject to recapture. Persons that qualify for SHIP
assistance will be required to sign a disaster assistance grant agreement, contractually
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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agreeing to all SHIP program guidelines
f. Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-served basis
with the following additional requirements:
1. Must provide proof of homeowner’s insurance or attestation of no insurance
2. If applicable, Mmust file for and use proceeds from insurance as first option
3. Must complete a FHC approved “disaster self-declaration of income form, if
applicable.”
The unit assisted must be owner-occupied and, have applied for, or is homesteaded as the primary
residence.
g. Sponsor/Subrecipient/ Selection Criteria: The County will may issue a Request for
Proposals/Application for Purchase Disaster Assistance Project Management from non-profit /for
profit organizations.
Organizations are to may provide the Application intake and income certification of households
applying for Purchase Disaster Assistance.
Organizations must submit the application/ proposal as outlined in the RFP/Application. and
initially provide information including, but not limited to, application intake process, income
certification process, prior Purchase Assistance and/or income certification experience with
references. Additional information to be obtained will include resumes, project management
oversight, prior agreements, accounting and financial information for project tracking and payment,
organization experience, audit reports, financial statements, for evaluation of sponsor/subrecipient
eligibility.
Non-profit / for profit housing subrecipient/sponsor will be evaluated competitively using
established evaluation and selection criteria.
CHS staff will evaluate each application submitted. In the initial phase staff will review the
application for general conformance with the submission requirements. The final phase will
consist of an in-depth review of the following:
Compliance with SHIP regulations
Project risk analysis
Financial risk analysis
Capacity and experience
Project feasibility
Adherence to SHIP eligibilities/requirements
Past performance evaluation
h. Additional Information: Funds for disaster mitigation will only be allocated from unencumbered
funds or additional funds awarded through Florida Housing Finance Corporation for the disaster.
Also, this will may be awarded along with the owner occupied rehabilitation programs and any
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
- 18 -
other strategy that is deemed necessary. SHIP funds at all times must be used for eligible applicants
and eligible housing.
Homeowners are not required to follow County procurement policy to obtain three quotes but are
required to submit proper invoices in order to receive reimbursement for incurred expenses as a
result of the declared disaster. However, Hhomeowners will need to provide documentation to
demonstrate a relationship to the declared disaster. The County reserves the right to inspect for
compliance prior to reimbursement.
SHIP disaster funds may not be used for the purchase or rehabilitation of mobile/manufactured
homes beyond the allowable 20% unless authorized within the Executive Order.
E.
Rental Development Codes 14,
21
a. Summary of Strategy: Funds will be awarded to developers of affordable rental units for
construction financing through other state or federal housing programs to construct affordable
rental units. This funding is intended to be used as gap financing required for the project. In cases
where a smaller development (less than 50 units) is being proposed that includes Special Needs
units, the county may choose to provide a larger amount of the overall construction financing.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Extremely/Very-low, low and moderate
d. Maximum award: $100,000 per development over 50 units
$150,000 per development with 50 units or less that includes Special Needs
units.
$50,000 match contribution
e. Terms:
1. Loan/grant: For for-profit developers, funds will be awarded as a loan secured by a recorded
subordinate mortgage and note.
For non-profit developers, funds will be awarded as a forgivable loan secured by a recorded
subordinate mortgage and note.
2. Interest Rate: 0%.
3. Term: 15 years
4. Forgiveness/Repayment:
a. For For-profits, the loan is due and payable at the end of the term unless the county
negotiates an extended loan term to secure affordable rental units in the best interest of the
county’s residents.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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b. For Non-profits, the loan is forgiven on a prorated basis beginning in year six (6) of the
fifteen (15) year term so that 10% of the loan is forgiven annually from years six through
fifteen.
5. Default/Recapture: For all awards, a default will be determined as: sale, transfer, or
conveyance of property; conversion to another use; failure to maintain standards for
compliance as required by any of the funding sources. If any of these occur, the outstanding
balance will be due and payable.
Repayment of the loan is required in full when one of the following conditions is met,
whichever occurs first:
1. Sale; if proceeds are not sufficient to pay off the mortgage note then the property owner
(not-for-profit or for profit) may contact the County regarding a settlement amount of
the SHIP loan.
2. Title transfer, either voluntarily or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
3. Refinance; a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate with no
cash out in accordance with the “Subordination Policy”.
4. Property will no longer serve the intended target population.
Repaid funds are considered program income, a portion of which may be used for program
administration.
f. Recipient Selection Criteria: All applicants for residence in a SHIP-assisted unit must meet
income qualifications of the program as determined and reported by the developer’s management
company for the development.
g. Sponsor/Subrecipient Selection Criteria: Developers will apply to the county through an
application or RFP process. The application/RFP will require proof of developer experience in
providing affordable rental housing, proof of financial capacity, evidence of site control (or contract
for sale), proof of ability to proceed once all funding is closed, and a housing unit design plan that
meets with the county’s housing element in the Comprehensive Plan.
The county reserves the right to select developments that have met all the above requirements and:
1. Are in areas of immediate need due to lack of available units.
2. Propose to preserve and improve existing units.
All funding awards will be subject to closing on other funding sources.
h. Additional Information: Developers will be required to meet compliance reporting requirements
on the development necessary to meet the statutory requirements for monitoring of SHIP rental
units. The county will provide up to $50,000 of match contribution if developer applies and
subsequently is approved through the Florida Housing Finance Corporation for a low-income
housing tax credit.
COLLIER COUNTY FL
SHIP LHAP 2016-2019
Adoption Date: April 26, 2016
Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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F.
Rental Assistance Code 13
a. Summary of Strategy: Funds will be awarded to renters that are in need of a one-time payment to
assistance with in obtaining a lease on a rental unit and qualify under 420.9072 (10). This may
include utility deposits, security deposits and rent equal to no more than twelve months’ rent.
Payments are made directly to the landlord or utility provider.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Extremely/Very-low, low and moderate
d. Maximum award: Extremely/Very low: $15,000
Low: $15,000
Mod: $15,000
e. Terms:
1. Loan/grant: Funds will be awarded as a grant.
2. Interest Rate: N/A
3. Term: N/A
4. Forgiveness/Repayment: N/A
5. Default/Recapture: N/A
f. Recipient Selection Criteria: Applicants will be referred by a lead or social service agency, or
contact CHS and be assisted on a first-qualified, first served basis.
g. Sponsor/Subrecipient Selection Criteria: Non-profit / for profit housing providers
subrecipient/sponsors will be evaluated competitively using established evaluation and selection
criteria.
CHS staff will evaluate each application submitted. In the initial phase staff will review the
application for general conformance with the submission requirements. The evaluation phase will
consist of an in-depth review of the following:
Compliance with SHIP regulations
Project risk analysis
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Financial risk analysis
Capacity and experience
Project feasibility
Adherence to SHIP eligibilities/requirements
Past performance evaluation
h. Additional Information:
The lease must be at least twelve months.
Applicant must be in danger of becoming homeless (eviction or 3 day notice) or currently homeless.
Applicant must be a US citizen or permanent resident.
Unit must be able to pass a habitability standard inspection and be within HUD established fair
market rent limits.
G.
Rental Rehabilitation 14
a. Summary of Strategy: The program is designed to rehabilitate rental units within Collier County. The
rental units will serve extremely low, very-low, low and moderate income households with a preference for
applicants with special housing needs as defined in s.420.0004, Florida Statutes
Loans will be given to non-profit /for-profit housing landlords/owners who have site control and ownership of
the properties to rehabilitate existing single family or mobile/manufactured rental units on scattered sites or a
rental complex located in Collier County. Assistance may be provided for large projects involving the repair
of multiple rental units. Individual tenants seeking repairs on their individual rental units may not directly apply
for assistance from this strategy. The SHIP funds used in the rehabilitation rental program may be leveraged by
public and private sources.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: extremely low, very-low, low and moderate income
d. Maximum award: Maximum rehabilitation loan to non-profit/ for-profit housing landlords/owners,
subrecipient/sponsors provider shall not exceed $500,000 per property. Maximum per unit award
amount is $30,000.
e. Terms:
1. Loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage placed on the property rehabilitated.
2. Interest Rate: 0%
3. Term: 15 years
4. Forgiveness/Repayment: Repayment of the loan is required in full under the following conditions
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:
1. Sale, if proceeds are not sufficient to pay off the mortgage note then the property owner
(not-for-profit or for profit or landlord) may contact the County regarding a settlement
amount of the SHIP loan.
2. Title transfer, either voluntarily or by operation of law, divested of title by judicial sale,
levy or other proceedings, including foreclosure or Deed in Lieu.
3. Refinance, a refinance of the first mortgage may be approved without repayment if the
request is submitted in writing and the refinance is at a lower fixed rate with no cash out in
accordance with the “Subordination Policy”.
4. Property will no longer serve the intended target population.
5. Default/Recapture: Repaid funds are considered program income, a portion of which may be used
for program administration.
Units will be monitored for a period of fifteen (15) twenty (20) years per Rule Chapter 67-37 of the
Administrative Code. Resale and First Right of Refusal for Affordable Housing will be given to
Eligible Sponsors/Subrecipients as noted in Section 420.9075(4) (f) Florida Statutes.
f. Recipient Selection Criteria: Non-profit/for-profit providers or landlords will be required to
income qualify all tenants in accordance with SHIP regulations. Priority for projects will be given
to those who serve Special Needs as defined by s.420.0004, Florida Statutes.
g. Sponsor/Subrecipient/Landlord Selection Criteria: Non-profit / for profit housing
subrecipient/sponsors or landlords will be evaluated using established evaluation and selection
criteria.
CHS staff will evaluate each application submitted. In the initial phase staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
Compliance with SHIP regulations
Project risk analysis
Financial risk analysis
Capacity and experience
Project feasibility
Adherence to SHIP eligibilities/requirements
Past performance evaluation
h. Additional Information: Once the improvements are completed, the
sponsor/subrecipient/landlord shall ensure all eligible tenants will be income qualified that must
occupy the units on subject property during the fifteen twenty (20) year loan term.
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H.
Rental Acquisition 20
a. Summary of Strategy: The program is designed to acquire rental units within Collier County. The rental
units will serve extremely low, very-low, low and moderate income households with a preference for
applicants with special housing needs as defined in s.420.0004, Florida Statutes.
Loans will be given to non-profit /for-profit housing providers subrecipient/sponsors to acquire existing
single family rental units on scattered sites or a rental complex located in Collier County. The SHIP funds
used in the acquisition of rental housing may be leveraged by public and private sources.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: extremely/very-low, low and mod income
d. Maximum award: Maximum acquisition loan to non-profit/ for-profit provider shall not exceed
$300,000 per rental property.
e. Terms:
1. Loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage placed on the property rehabilitated.
2. Interest Rate: 0%
3. Term: 15 years
4. Forgiveness/Repayment: Repayment of the loan is required in full under the following
conditions :
1. Sale; if proceeds are not sufficient to pay off the mortgage note then the property
owner (not-for-profit or for profit) may contact the County regarding a settlement
amount of the SHIP loan.
2. Title transfer, either voluntarily or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
3. Refinance; a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate with no
cash out in accordance with the “Subordination Policy”.
4. Property will no longer serve the intended target population.
5. Default/Recapture: Repaid funds are considered program income, a portion of which may be
used for program administration.
f. Recipient Selection Criteria: Non-profit/for-profit providers will be required to income qualify, first
qualified, first served, all tenants in accordance with SHIP regulations. .
g. Sponsor/Subrecipient/ Selection Criteria: Non-profit / for profit housing providers
sponsors/subrecipients will be evaluated competitively using established evaluation and selection
criteria.
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Revision Date: Sept. 26, 2017
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CHS staff will evaluate each application submitted. In the initial phase staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
Compliance with SHIP regulations
Project risk analysis
Financial risk analysis
Capacity and experience
Project feasibility
Adherence to SHIP eligibilities/requirements
Past performance evaluation
h. Additional Information: Once the improvements are completed, the
developer/sponsor/subrecipient shall ensure all eligible tenants will be income qualified on an
annual basis, must occupy the units on subject property during the fifteen year loan term.
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I.
New Strategy - Construction Assistance Strategy 10
a. Summary of Strategy: SHIP funds may be provided to for-profit or not-for-profit organizations to
be used for the infrastructure and development costs and all associated fees and permits for residential resale
of single family housing for resale to eligible home buyers. These funds are to be used as a construction
subsidy to developers/subrecipient/sponsors. The units may be constructed on infill lots or as a part of a
larger development.
b. Fiscal Years Covered: 2016-2017, 2017-2018, and 2018-2019
c. Income Categories to be served: Extremely/Very Low, Low and Moderate
d. Maximum award: $50,000/unit
e. Terms for the Sponsor/Subrecipient:
1. Repayment loan/deferred loan/grant for the Sponsor/Subrecipient:: Loan. The County will
require the /sponsor/subrecipient to execute a promissory note and mortgage in favor of the
County when they receive reimbursement/payment for each property upon completion of
activities associated with the construction. This will have language in it that releases the
developer/sponsor/subrecipient when the resale occurs to the income eligible homebuyer. The
County will require the sponsor/subrecipient/ to execute a promissory note and mortgage in
favor of the County at the time of closing or resale to an income eligible buyer. The
construction subsidy must be reflected on the contract for sale of the constructed home.
2. Interest Rate: 0 %
3. Years in loan term for Sponsor/Subrecipient : 2 years, and then when unit is sold it is a 15 year
term for the buyer/borrower.
4. Forgiveness: If the property has not been successfully sold to an income qualified buyer within
2 years of the date the mortgage and promissory note are entered into, the entire amount is due
and payable to the County.
f. Terms – Eligible Homebuyer owner:
1. Repayment loan/deferred loan/grant: Loan. The County will require the
sponsor/subrecipient/developer to execute a promissory note and mortgage with the
eligible home buyer in favor of the County at the time of resale to an income eligible
homebuyer. The construction subsidy must be reflected on the contract for sale of the
constructed home as a sales price reduction.
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2. Interest Rate: 0 %
3. Years in loan term: 15
4. Forgiveness:
a. Repayment: Sale; if proceeds are not sufficient to pay off the mortgage note then
the homeowner may contact the County regarding a settlement amount of the SHIP
loan.
b. Title transfer, either voluntarily or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure, quit claim deed, or Deed in Lieu.
c. Refinance; a refinance of the first mortgage may be approved without repayment
if the request is submitted in writing and the refinance is at a lower fixed rate with no
cash out in accordance with the “Subordination Policy”.
g. Default:
1. For homeowners-
The loan may be determined to be in default if any of the following occurs sale, transfer,
or conveyance of property; conversion to a rental property; loss of homestead exemption
status; or failure to occupy the home as primary residence. If any of these occur, the
outstanding balance will be due and payable. Repayment of the loan is required in fu ll
when one of the following conditions is met, whichever occurs first:
a. Sale; if proceeds are not sufficient to pay off the mortgage note then the
homeowner may contact the County regarding a settlement amount of the SHIP loan
b. Title transfer, either voluntarily or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
c. Refinance; a refinance of the first mortgage may be approved without repayment
if the request is submitted in writing and the refinance is at a lower fixed rate with no
cash out in accordance with the “Subordination Policy”.
d. Home is no longer primary residence, or is leased or rented. In cases where
the qualifying homeowner(s) die(s) during the loan term, the loan may be assumed by
a SHIP eligible heir who will occupy the home as a primary residence. If the legal heir
is not SHIP eligible or chooses not to occupy the home as their primary residence, the
outstanding balance of the loan will be due and payable.
e. If the home is foreclosed on by a superior mortgage holder, the county may make
an effort to recapture funds through the legal process if it is determined that adequate
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funds may be available to justify pursuing a recapture.
f. The County reserves the right to foreclose if the homeowner does not repay the
loan as noted above.
g. The County has determined the following terms and provisions for program
income versus recaptured funds: All funds are deposited into the Local Housing Trust
Fund and reported as Program Income or Recaptured Funds in the State Fiscal Year
they are received as appropriate for Annual Reporting purposes.
h. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan
may be assumed by a SHIP eligible heir who will occupy the home as a primary
residence. If the legal heir is not SHIP eligible or chooses not to occupy the home as
their primary residence, the outstanding balance of the loan will be due and payable.
i. If the home is foreclosed on by a superior mortgage holder, the county may make
an effort to recapture funds through the legal process if it is determined that adequate
funds may be available to justify pursuing a recapture.
2. For sponsors/subrecipient/developer
In the event the property is not sold to an income eligible homebuyer, the funds will
become due and payable to the County.
h. Recipient Selection Criteria:
1. Home Buyer Criteria-
Sponsor/Subrecipient/Developer applicants are to provide the Application intake and income
certification of households applying for Construction Assistance.
Applicants will be ranked for assistance based on a first-qualified, first-come basis with the
priorities for Special Needs, Essential Services Personnel and income groups as described in
Section I.
An applicant may submit a completed application for the Construction Subsidy Assistance to the
sponsor/subrecipient for a determination of eligibility at any time. Applicants are required to
provide all documentation requested for income, eligibility, and qualification determination.
Funds will be committed for and awarded to applicants that have met all of the SHIP requirements,
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are SHIP Income Certified, have received their homebuyer’s certification and have a mortgage loan
approval from a participating Lender prior to submitting an application.
Applicants must attend a county approved Homeowner Education Program and provide a copy of
the certificate to the Sponsor/Subrecipient/Developer prior to submitting an application. The
Certificate must be dated within one year prior to the SHIP application date.
2. Sponsor/Subrecipient Selection Criteria-
The County will issue notice of an ongoing Application for Construction Assistance from non-profit
/for profit organizations.
Sponsor/Subrecipient organizations must submit an application and related information, specified by
the SHIP Administrator, to be used for evaluation of developer/sponsor subrecipient eligibility.
CHS staff will evaluate each application submitted. The staff will review the application for general
conformance with the submission requirements. The evaluation phase will consist of an in-depth
review of the following:
Proof of Developer experience
Project risk analysis
Financial risk analysis
Capacity and experience with new construction
Project feasibility once funding has been exhausted
Adherence to SHIP eligibilities/requirements
Past performance evaluation
i. Additional Information: N/A
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Revision Date: Sept. 26, 2017
Revision Date: October 10, 2017
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J. New Strategy
Demolition and/or Replacement of Site Built Mobile/Manufactured Housing 4
a. Summary of Strategy: SHIP funds will be awarded to owner occupied households
(mobile/manufactured) homes in need of demolition and /or replacement of site built housing. The County
may use SHIP funds for the demolition and/or replacement of Site Built Manufactured/Mobile Housing.
This strategy will be used in lieu of rehabilitation when the home is deteriorated to the extent that repair is
unfeasible due to unreasonable costs or extensive structural issues, as determined by the County. The goal
is to prevent the imminent displacement of homeowner’s due to distressed conditions, encourage
revitalization and increase the supply of safe, decent and sanitary housing.
The home site must be suitable for demolition/replacement and located within the unincorporated and
incorporated areas of Collier County. Loans for assistance may include costs related to all eligible
demolition activities, removal, permits, transportation, inspections, work write-ups, recording fees and
project delivery fees.
b. Fiscal Years Covered: 2016-2017, 2017-2018 and 2018-2019
c. Income Categories to be served: Extremely Low, Very-low, Low and Moderate
d. Maximum award: $75,000 (includes project delivery costs)
e. Terms:
1. Loan/grant: Funds will be awarded as a deferred payment loan secured by a recorded subordinate
mortgage and note.
2. Interest Rate: 0%
3. Term: 15 years
4. Forgiveness/Repayment: Funds will be secured with a recorded fifteen (15) year, 0% interest, deferred
subordinate mortgage on the property in the amount of the funds used in the project. The fifteen (15)
years will begin once all final invoices are paid and deferred subordinate mortgage is signed by
homeowner. If all conditions of the loan are met, one-third of the loan will be forgiven in five year
increments so that at the end of the fifteenth year the loan is forgiven . Monthly payments are not
required.
5. Default/Recapture: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to a rental property; loss of
homestead exemption status; or failure to obtain homestead status, or failure to occupy the home as
primary residence. If any of these occur, the outstanding balance will be due and payable.
Persons that qualify for SHIP assistance will be required to contractually agree to all SHIP program
guidelines, County SHIP mortgage requirements, repayment provisions, and certify that the unit
assisted will be their primary residence.
Repayment of the loan is required in full when one of the following conditions is met, whichever occurs
first:
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Revision Date: Sept. 26, 2017
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1. Sale, if proceeds are not sufficient to pay off the mortgage note then the homeowner may
contact the County regarding a settlement amount of the SHIP loan that is outlined in the
County’s “Short Sale Policy”.
2. Title transfer, either voluntarily or by operation of law, divested of title by judicial sale, levy
or other proceedings, including foreclosure or Deed in Lieu.
3. Refinance, a refinance of the first mortgage may be approved without repayment if the request
is submitted in writing and the refinance is at a lower fixed rate with no cash out in accordance
with the “Subordination Policy”.
4. Home is no longer primary residence, abandoned, leased or rented. In cases where the
qualifying homeowner(s) die(s) during the loan term, the loan may be assumed by a SHIP
eligible heir who will occupy the home as a primary residence. If the legal heir is not SHIP
eligible or chooses not to occupy the home, the outstanding balance of the loan will be due and
payable.
If the home is foreclosed on by a superior mortgage holder, the county may make an effort to
recapture funds through the legal process if it is determined that adequate funds may be
available to justify pursuing a repayment.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
All funds are deposited into the Local Housing Trust Fund and reported as Program Income or Recaptured
Funds in the State Fiscal Year they are received as appropriate for Annual Reporting purposes.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified, first-served
basis with the priorities for Special Needs, Essential Services Personnel and income groups as described in
section I. (I) of this plan. This strategy will only apply per owner(s) per lot one time. In addition the applicant
shall
1. Must provide proof of homeowner’s insurance or attestation of no insurance
2. If applicable, must file for and use proceeds from insurance as first option
An applicant may submit a completed application for SHIP to the County/Subreciepient for a determination of
eligibility at any time. Applicants are required to provide all documentation requested for income, eligibility
and qualification determination. Applicants will receive a pre-approval letter and their file will be submitted to
the Sponsor/Subrecipient for unit eligibility.
Ownership must be a fee simple estate at the time of closing with the name of the applicants on the title. Property
taxes must be current at the time of application and closing. Delinquent property taxes are a basis for denial.
The value after replacement may not exceed the SHIP maximum allowable purchase price for existing homes.
The replacement housing shall be consistent with the character of the household, neighborhood and area wide
market conditions.
g. Sponsor/Developer/Subrecipient Selection Criteria: The County may issue a Request for Proposals or
Application requesting applications for Construction Management services from non-profit or for profit
organizations.
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Organizations are to provide the demolition and set up of the site housing and any associated
activities including lot clearing, demolition, removal, transportation, set up and permitting.
Organizations must submit the proposal/application as outlined in the application instructions and initially
provide information including, but not limited to, application construction management process, contractor and
bid process or prior rehabilitation, construction, demolition experience with references. Additional information
will be obtained such as resumes, construction oversight, construction agreements, accounting and financial
information for project tracking and payment, organization experience, audit reports, financial statements, for
evaluation of eligibility.
h. Additional Information: The dwelling must be owner occupied, single family in conformance with land and
zoning restrictions. The structural deterioration precludes the economic feasibility of undertaking repairs to
correct code violation and provide decent, safe
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III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives with the policies and
procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3) for affordable housing projects are expedited to
a greater degree than other projects.
On December 8, 2015, the Board Collier County Board of County Commissioners Approved an AHCA
recommended Incentive Strategy to expedite the development review process for qualified affordable-
workforce housing.
Initially, a qualification meeting is called with the developer and staff to determine if the project meets the
affordable housing requirements. Those projects that demonstrate compliance will be issued a certificate to
allow the expedited review process for all development orders. Planning and Zoning will provide expedited
status by assisting these developments first throughout the process from application through Certificate of
Occupancy.
B. Name of the Strategy: Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations and plan provisions that increase
the cost of housing prior to their adoption.
Collier County requires all items which have the potential to increase the cost of housing to be prepared
and presented to the Collier County Board of County Commissioners with the amount of the increase or
decrease mentioned in the executive summary.
The process, by which items are prepared for the BCC Agenda includes a vast approval hierarchy to ensure
that all proposed actions impacting affordable housing are reviewed on an ongoing basis. Furthermore, the
Collier County Affordable Housing Advisory Committee regularly forms subcommittees to review
impediments to affordable housing, as well as new affordable housing incentives.
C. Other Incentive Strategies Adopted:
1. Increased Density for Affordable Housing
Collier County allows developers to request increased density when including a certain percentage of
affordable housing in the proposed development.
An Affordable Housing Density Bonus Agreement must be submitted and approved by the Collier County
Board of County Commissioners as provided for in the Collier County Land Development Code, ss.
2.06.00.
2. Inventory of Locally Owned Public Lands Suitable for Affordable Housing.
Collier County prepares an inventory of all real property owned by Collier County that may be appropriate
for use as affordable housing in accordance with Sec. 125.379 F.S. every three years.
On December 8, 2015, the Board Collier County Board of County Commissioners Approved an AHCA
recommended Incentive Strategy to permits properties identified as appropriate for use as affordable
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Revision Date: Sept. 26, 2017
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housing may be offered for sale and the proceeds used to purchase land for the development of affordable
housing or to increase the local government fund earmarked for affordable housing, or may be sold with a
restriction that requires the development of the property as permanent affordable housing, or may be
donated to a nonprofit housing organization for the construction of permanent affordable housing.
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan.
B. Timeline for Estimated Encumbrance and Expenditure.
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan.
D. Signed LHAP Certification.
E. Signed, dated, witnessed or attested adopting resolution.
F. Ordinance: (If changed from the original creating ordinance).
G. Interlocal Agreement.
H. Other Documents Incorporated by Reference
I. Short Sale Policy
J. Essential Personnel Certification