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Resolution 2018-163 RESOLUTION No.2018-1 6 3 A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF COLLIER COUNTY, FLORIDA, REVISING THE LOCAL HOUSING ASSISTANCE PLAN FOR FISCAL YEARS 2016-2017, 2017-2018, AND 2018- 2019, AS REQUIRED BY THE STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM; REVISING THE DEMOLITION AND REPLACEMENT OF MANUFACUTURED HOUSING STRATEGY, ADDING LANGUAGE TO CLARIFY RELOCATION EXPENSES, AND PROVIDING FOR AN EXCEPTION TO THE STATE'S 20% MAXIMUM ANNUAL ALLOCATION FOR MANUFACTURED HOUSING. 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 prepared and revised 2016-2019 Local Housing Assistance Plan 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 et citizens of Collier County for it to submit the Local Housing Assistance Plan 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 to current strategy. Section 2: Revise Demolition and Replacement of Manufactured Housing, add clarifying language regarding relocation expenses,and provide an exception to the State 20% maximum annual allocation for manufactured housing. Section 3: This resolution shall take effect immediately upon its adoption. 4 f This Resolution adopted this�S � day of �C✓ ACA ,2018,after motion second and majority in favor of passage. &&TEST: BOARD OF C• 1 TY COMMIS '! RS CRYSTAL I£.KINZEL, CLERK OF COLLIE' " 0 P ,. Y,FLO'. • j Q....c-AAA..m.on �y: � A_ Attest GS to C#1 r 1T1TSY CLERK ' � ' +DY SOLIS, CHAIRMAN signature only. Approval for form and legality: Je - A. Belpedio ` , , Assistant County Attorney ,\.N, G\ C COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date:April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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- 175 Amended by Resolution 2017- 198 Amended by Resolution 2018 -1 6 COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -1- CAO COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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.New Strategy-Construction Assistance 25 J.New-Demolition and Replacement of Manufactured Housing 29 Section III,Incentive Strategies 32 A. Expedited Permitting 32 B. Ongoing Review Process 32 C. Other Incentive Strategies Adopted 32 Exhibits 33 A. Administrative Budget for each fiscal year covered in the Plan B. Timeline for Estimated Encumbrance and Expenditure C. Housing Delivery Goals Chait(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 LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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 service 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 LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -3- C40 COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date: October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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: . 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 housingis located. Such average area_purchase price may be COLLIER COUNTY LHAP FINAL OCTBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -4- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date:April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 that calculated for any 12-month period beginning not earlier than the fourth calendar year prior to the year in 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 housing 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 inn the selection process. 0. 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$10,000 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. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 195 COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date:April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: "A county or 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(19),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 or 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 five (5%) 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. 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; COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 • -6- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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. X. Asset Cap or Liquid Assets: All beneficiaries will be limited to a cash or liquid asset of$30,000.00 upon completion of their downpayment and closing cost assistance,rehabilitation and other approved strategies. This asset cap applies to all SHIP strategies. However,the Board of County Commissioners will have the authority to suspend the asset cap/liquid assets in determining income qualifications during recovery from a declared disaster. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 7 0 COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017. Technical Revisions April 2018 Revision Date:Sept.25,2018 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 incorporated or unincorporated areas of Collier County. Loans for assistance may include costs related to all eligible repairs, inspections, work write-ups, recording fees and project delively fees. b. Fiscal Years Covered:2016-2017, 201 7-201 8 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. Temis: • 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 provided to an owner-occupied unit on land owned by the homeowner 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. For an owner-occupied mobile or manufactured home on land that is leased, a security instrument in compliance with Uniform Commercial Code (UCC),will be recorded to perfect a security interest in the unit. 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 LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -8- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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. 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. Iffr 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 a request for applications for Construction Management/Subrecipient services from non-profit or for-profit organizations. The County or subrecipients may provide the application intake and certification of households applying for Owner Occupied Rehabilitation as well facilitating.the rehabilitation of the property. Organizations may submit the proposal as outlined in the 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 obtained 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. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -9- 0 COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date: October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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 (a) owned and homesteaded by the occupant or(b) leased/rented by the homeowner,the unit must have been constructed after July 13, 1994, 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. Relocation Expenses: A maximum of$10,000 for the cost of temporary relocation expenses is allowed under this strategy. Relocation expenses are considered a grant and are excluded from the maximum mortgage amount. B. Purchase Assistance Code 1, 2 a. Summary of Strategy: SHIP funds will be awarded for down payment and closing costs to households in incorporated or unincorporated Collier County to purchase a newly constructed or an existing single- f a m i 1 y 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 (f either meets the above test, they are considered first-time home buyers).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 apermanent foundation i n 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. If another funding source, such as CDBG or HOME, are used in conjunction with SHIP,the total amount of assistance from all sources will not exceed the maximum award as stated herein. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -10- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 e. Terms: 1. Loan/grant: Funds will be awarded as a deferred payment loan secured by a monied 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 primaly 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 Pol icy". 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. 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. If the home is foreclosed on by a superior mortgage holder,the country may try to recapture funds through the legal process if it is determined that adequate funds may be available to justify pursuing a recapture. £ 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 COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -11- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date: October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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 the County requirements, are SHIP Income Certified, homebuyer's celiification 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 Celiificate must be dated within one year of County application date. g. Sponsor/Subrecipient Selection Criteria: The County may issue a Request for Proposals/ Application for Purchase Assistance Project Management from non-profit/for profit organizations. Organizations may choose to provide the Application intake and income certification of households applying for Purchase Assistance. Organizations must submit an application as outlined in the RFP/Application and initially provide information including, but not limited to, application intake process, income celiification process, prior Purchase Assistance and/or income celiification 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 I for profit housing subrecipient/sponsor will be evaluated using established evaluation and selection criteria. CHS staff will review 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: Applicants must secure a first mortgage by an approved lender. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -12- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date: October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 1. 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 for this strategy. 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 in incorporated or unincorporated Collier County 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: 2016-2017,201 7-201 8 and 2018-2019 c. Income Categories to be served: Extremely low, Vely-low, Low and Moderate d. Maximum award: $10,000 e. Terms: 1. Loan/grant: Funds will be awarded as a deferred payment 1 o an secured by a recorded subordinate mortgage and note 2. Interest Rate: 0% 3. Term: 5 years 4. Forgiveness/Repayment:NIA 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. 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. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -13- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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. 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. Ifthe home is foreclosed on by a superior mortgage holder, the county may make an effolt to recapture funds through the legal process if it is determined that adequate funds may be available to justify pursuing a recapture. f RecipientSelectionp Criteria:In addition to being selected on afirst-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 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 Foreclosure Prevention Services from non-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 celtification 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 repolts, financial statements, for evaluation of sponsor/subrecipient eligibility. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -14- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 Non-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 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 LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018; Amended Sept 25,2018 -15- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date: October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 D. Disaster Mitigation Code 5 a. Summary of Strategy: The Disaster Strategy provides assistance to owner-occupied households (single family, multi-family and mobile/manufactured homes) in incorporated or unincorporated Collier County 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 may 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 root) 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:20I 6-2017,2017-2018 and 2018-2019 c. Income Categories to be served: Extremely/Very-low, low, moderate income d. Maximum award: $15,000. The maximum award for other strategies used in conjunction with this strategy will be determined by the other strategy and may be in addition to the maximum award for this strategy. 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 to the other strategies. 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 to the other COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -16- • COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date:April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 strategy. 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 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,must file for and use proceeds from insurance as first option 3. Must complete a F H C approved "disaster self-declaration of income form,i f applicable." Where the unit and land are owned by the same person, the unit assisted must be owner-occupied and,have applied for,or already be homesteaded as the primary residence.Owner-occupied mobile or manufactured home owners renting their lot may also apply for assistance. g. Sponsor/Subrecipient/Selection Criteria: The County may issue a Request for Proposals/Application for Disaster Assistance Project Management from non-profit/for profit organizations. Organizations may provide the Application intake and income certification of households applying for Disaster Assistance. Organizations must submit the application/proposal as outlined in the RFP/Application. Additional information to be obtained may 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 or Disaster Assistance Project Management organizations will be evaluated using established 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 COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -17- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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 may be awarded along with the owner-occupied rehabilitation programs and any other strategy that is deemed necessary. SHIP funds at all times must be used for eligible applicants and eligible housing. Homeowners are required to submit proper invoices in order to receive reimbursement for incurred expenses as a result of the declared disaster, and proof of insurance deductible, as appropriate. Homeowners 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 mobile/manufactured homes beyond the allowable 20% unless authorized within the Executive Order. Relocation Expenses: A maximum of$10,000 for the cost of temporary relocation expenses is allowed under this strategy. Relocation expenses are considered a grant and are excluded from the maximum mortgage amount. 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 in incorporated or unincorporated Collier County. 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, 201 7-201 8 and 2018-2019 c. Income Categories to be served: Extremely/Very-low, 1 o w 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: COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 Se-18- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date:April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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. 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 I 0% 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 refmance 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 COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 (0, -19- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date: October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 subsequently is approved through the Florida Housing Finance Corporation for a low-income housing tax credit. F. Rental Assistance Code 13 a. Summary of Strategy: Funds will be awarded to renters in incorporated or unincorporated Collier County that are in need of assistance in obtaining a lease on a rental unit to include the utility deposit and/or payments 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:NIA 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 subrecipient/sponsors 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 COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -20- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 • Project risk analysis • 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 Code 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 propelties to rehabilitate existing single family, multifamily, or mobile/manufactured rental units on scattered sites or a rental complex located in incorporated or unincorporated 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, 2017-201 8 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 provider/ subrecipient/sponsors or land lords/owners 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 propelty rehabilitated. 2. Interest Rate: 0% COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -21- • COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 3. Tenn: 15 years 4. Forgiveness/Repayment: Repayment ofthe 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 or land lord) 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 refmance 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 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 land lords will be required t o 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 twenty (20)year loan term. Relocation Expenses: A maximum of$10,000 for the cost of temporary relocation expenses is allowed under this strategy. Relocation expenses are considered a grant and are excluded from the maximum mortgage amount. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -22- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date:April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 H. Rental Acquisition Code 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 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, 2017-201 8 and 2018-2019 c. Income Categories to be served: extremely/very-low, low and moderate-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 propelty 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 I for profit housing-sponsors/subrecipients will be evaluated using established evaluation and selection criteria. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -23- 0. COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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 i n-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 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. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -24- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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 in incorporated or unincorporated Collier County. 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: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 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: 1. Repayment loan/deferred loan/grant: Loan. The County will require the sponsor/subrecipient 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. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -25- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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 full 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, i ncluding 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 refmance 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 will be forgiven. 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 funds may be available to justify pursuing a recapture. f. The County reserves the right to foreclose if the homeowner does not repay the COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -26- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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. 2. For sponsors/subrecipient 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 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, are SHIP Income Celtified,have received their homebuyer's celtification 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 prior to submitting an application. The Certificate must be dated within one year prior to the SHIP application date. 2. Sponsor/Subrecipient Selection Criteria- COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018; Amended Sept 25,2018 -27- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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/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 ofDeveloper 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 Additional Information: N/A COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -28- 1 COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 J. New Strategy Demolition and Replacement of Manufactured Homes 4 a. Summary of Strategy: SHIP funds will be awarded to owner occupied mobile/manufactured homeowners in need of demolition and replacement of housing. The County may use SHIP funds for the demolition and replacement of Manufactured 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 or incorporated areas of Collier County.Loans for assistance may include costs related to all eligible demolition activities,removal,permits,transportation, inspections, work write-ups, sales tax, a n d recording fees. Additional SHIP funds can be used to bring the building site and improvements up to FEMA requirements, Collier County codes, State regulations, and/or Homeowner's Association by-laws. These additional site improvements may include, but are not limited to, geotechnical surveys, engineering, concrete pilings/piers,sceptic system improvements,fill,driveways, storage sheds,and any other requirements,as noted above. 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 for the manufactured unit, and up to a maximum of$75,000 for additional required site improvements as specified by FEMA requirements,Collier County codes, State regulations, and/or Homeowner's Association by-laws. e. Terms: 1. Loan/grant: Funds will be awarded as a deferred payment loan secured by a recorded subordinate mortgage and note, or if the unit is on leased land, a security instrument in accordance with the Uniform Commercial Code (UCC)will be recorded. 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, or a security instrument if leased land, 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: I f the land is also owned and a loan has been placed on the property, the loan will be determined to be in default if any of the following occurs during the Loan COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -29- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 term: sale, transfer, or conveyance of propelty; 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. If a security instrument is used,the funds will be due and payable according to the stipulations of the security instrument including: 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. 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: 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 will be forgiven. 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. 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/Subrecipient/Sponsor for a determination of eligibility at any time. Applicants are required to provide all documentation requested for COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018; Amended Sept 25,2018 -30- COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 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. For mobile/manufactured homes not located on a leased or rental land, 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. The homeowner may choose the most suitable replacement housing to meet their needs. 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. 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 and sanitary living. i. Relocation Expenses: A maximum of$10,000 for the cost of temporary relocation expenses is allowed under this strategy. Relocation expenses are considered a grant and are excluded from the maximum mortgage amount. COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018;Amended Sept 25,2018 -31- �® COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date: Sept.25,2018 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 Collier County Board of County Commissioners Approved an AHCA COLLIER COUNTY LHAP FINAL OCTOBER 2017 AMENDMENTS - Technical Revisions April 2018; Amended Sept 25,2018 -32- 1 COLLIER COUNTY FL SHIP LHAP 2016-2019 Adoption Date: April 26,2016 Revision Date:Sept.26,2017 Revision Date:October 10,2017 Technical Revisions April 2018 Revision Date:Sept.25,2018 recommended Incentive Strategy to permits properties identified as appropriate for use as affordable 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. 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