AHAC Agenda 03/11/2019Collier County
Affordable Housing Advisory Committee (AHAC)
AGENDA
March 11, 2019 8:30A.M.
3303 Tamiami Trail East (Main Government Complex)
5th Floor Meeting Room – Building "F"
AHAC COMMITTEE MEMBERS
Steve Hruby, AHAC Chairman
John Cowan, AHAC Member
Mary Waller, AHAC Member
Joseph Schmitt, AHAC Member
Denise Murphy, AHAC Member
Litha Berger, AHAC Member
Dr. Carlos Portu, AHAC Member
Christina Apostolidis, AHAC Member
Sheryl Soukup, AHAC Member
Justin Emens, AHAC Member
Gary Haines, AHAC Member
COLLIER COUNTY STAFF
Kristi Sonntag, Director, Community and Human Services
Cormac Giblin, Housing and Grant Development Manager
Susan Golden, Sr. Housing and Grants Coordinator, CHS
Hilary Halford, Sr. Housing and Grants Coordinator, CHS
Barbetta Hutchinson, Operations Coordinator, CHS
Jason Rummer, Operations Analyst, CHS
NOTICE: ALL PERSONS WISHING TO SPEAK ON ANY AGENDA ITEM MUST REGISTER PRIOR TO SPEAKING.
ALL REGISTERED SPEAKERS WILL RECEIVE UP TO THREE (3) MINUTES UNLESS THE TIME IS ADJUSTED BY
THE CHAIRMAN. DURING COMMITTEE DISCUSSION, COMMITTEE MEMBERS MAY ASK DIRECT QUESTIONS
TO INDIVIDUALS. PLEASE WAIT TO BE RECOGNIZED BY THE CHAIRMAN AND STATE YOUR NAME AND
AFFILIATION FOR THE RECORD BEFORE COMMENTING.
IF YOU ARE A PERSON WITH A DISABILITY WHO NEEDS ACCOMMODATION IN ORDER TO PARTICIPATE IN
THIS MEETING, YOU ARE ENTITLED, AT NO COST TO YOU, THE PROVISION OF CERTAIN ASSISTANCE.
PLEASE CONTACT THE COLLIER COUNTY FACILITIES MANAGEMENT DEPARTMENT. ASSISTED LISTENING
DEVICES FOR THE HEARING IMPAIRED ARE AVAILABLE IN THE COUNTY COMMISSIONER’S OFFICE.
1.A.2
Packet Pg. 11 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
1. CALL TO ORDER & PLEDGE OF ALLEGIANCE
2. ROLL CALL OF COMMITTEE MEMBERS AND STAFF
3. APROVAL OF AGENDA AND MINUTES
a. Approval of today’s agenda
b. Approval of 2-6-19 AHAC Regular meeting minutes
4. INFORMATIONAL ITEMS
a. Presentation from Code Enforcement
b. Grant application cycle update
c. Recap of Housing Items on 2/12/2019 BCC Agenda
d. Wells Fargo Housing Opportunity Index & February 11, 2019 Rental Apartment Survey
e. Bembridge ITN update
5. PUBLIC COMMENT
a. Persons wishing to speak must register prior to speaking. All registered speakers will
receive up to three (3) minutes unless the time is adjusted by the Chairman.
6. DISCUSSION ITEMS AND PRESENTATIONS
a. Review of Local Housing Assistance Plan (LHAP) 3-year update
b. Discussion on Affordable Housing Demand Methodology Model
7. STAFF AND COMMITTEE GENERAL COMMUNICATIONS
8. ADJOURN
NEXT AHAC MEETING DATE: April 1, 2019, 8:30 AM
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Packet Pg. 12 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
MINUTES OF THE COLLIER COUNTY
AFFORDABLE HOUSING ADVISORY COMMITTEE
February 6, 2019
8:30 A.M.
Naples, Florida
LET IT BE REMEMBERED that the Collier County Affordable Housing Advisory Committee met on this
date at 8:30 A.M. in a WORKING SESSION in the Health Building 2nd Floor Conference Room in Naples,
Florida, with the following Members present:
Present: Steve Hruby, Chair
Carlos Portu
Joseph Schmitt
Mary Waller
John Cowan
Christina Apostolidis
Gary Hains
Une xcused: John Cowan
Excused: Sheryl Soukup
Litha Berger
Justin Emens
ALSO PRESENT: Kristi Sonntag, Director, Community and Human Services
Cormac Giblin, Manager, Housing & Grant Development - CHS
Barbetta Hutchinson – Operations Coordinator - CHS
Jason Rummer, Operations Analyst
OTHERS PRESENT: George Danz, citizen; Gabriela Molina, Clerk of Courts; Harrison Langle, BoxVana;
Gerald LeFeibvre, Naples Properties
1. CALL TO ORDER
The group nominated Joseph Schmitt to run the meeting in the absence of Steve Hruby. Joseph
called the meeting to order at 8:40 am and led in the Pledge of Allegiance. Cormac read the
procedures to be followed. Steve arrived at 8:41 am and took over the running of the meeting.
2. ROLL CALL – COMMITTEE MEMBERS AND STAFF
There were 7active members present, therefore a quorum was established.
3. APPROVAL OF AGENDA AND MINUTE
a. A motion was made to approve the agenda by Carlos Portu seconded by Mary Waller. The
motion passed by a vote of 7-0.
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Packet Pg. 13 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2
b. A motion was made to approve the minutes from the meeting of January 8, 2019 by Mary
Waller and was seconded by Carlos Portu. The motion passed by a vote of 7-0.
c. Steve welcomed new members to the group and said he was looking forward to working
with them.
4. INFORMATIONAL ITEMS
a. Cormac reviewed the upcoming grant cycle timeline. He said that the application closed on
February 11th. He discussed the spreadsheet that was in the packet listing all of the
applications thus far including the agency, what they were asking for and the dollar value
requested. We have about $4 million available and so far we have requests for around $12
million. The ranking and review committee will meet at 7:30 a.m. on March 1, 2019 in the
Growth Management Conference Room 609-610 located at 2800 Horseshoe Drive North,
Naples, Florida 34104. Mary Waller will be the representative from the AHAC at these
meetings.
b. Cormac recapped what will be on the agenda for the BCC meeting being held on February 12,
2019. Commissioner Taylor made a motion to put a reconsideration of the proposed land
development code amendments on this agenda. The two items of main issue are the new
definition of affordable housing and changing the density bonus from 8 to 12 per acre. This
item requires a 4 out of the 5 votes to pass. At the previous meeting the vote was 3 against
and 2 for. The BCC wants to hear from the public and main employers in the county to find
out if affordable housing is still a need in Collier County. This will be a time certain item and
Cormac will send out an e-mail to the members stating the time so that everyone may attend.
Steve Hruby encouraged all members to attend to voice their opinion that we do indeed need
affordable housing.
c. Cormac gave a recap on all of the existing grant projects and their completion. Our guideline
is that we want the project done in one year, however that time frame would need to be
extended if an environmental needs to be done. It could take up to a year just to get the
environmental portion completed.
d. Cormac told the group that Joe Schmitt invited him to the meeting of the Planning
Commission to discuss the Allura rental development. Cormac said he would state that there
is not a public need for 80-120% rentals (2 bedroom for $2,025) but would suggest that the
rentals be targeted to 80% or less (2 bedroom for $1,350).
e. Mary Waller asked about the Bembridge project. Cormac told her he would send out the link
to the proposal when it gets released later this week.
f. Steve Hruby asked about the resolution that all property sales or purchases incorporate
affordable housing in relation to the bus barn on Randall.
5. PUBLIC COMMENT
There were no public speakers for this meeting.
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Packet Pg. 14 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
3
6. DISCUSSION ITEMS AND PRESENTATIONS
7. ADJOURN
a. There being no further business for the good of the County, after a motion by Joe Schmitt, a second
by Mary Waller and a vote of 7-0 in favor, the meeting was adjourned at 9:42 by Chair, Steve Hruby.
NEXT MEETING: THE NEXT MEETING WILL BE HELD ON MARCH 11, 2019 AT 8:30 A.M.
Location: 5th Floor Training Room, Administration (Building F) located at 3299 Tamiami Trail East.
COLLIER COUNTY AFFORDABLE HOUSING ADVISORY
COMMITTEE
_________________________________
Stephen Hruby, Chairman
The foregoing Minutes were approved by Committee Chair on ______________________, 2019, “as
submitted” [__] OR “as amended” [__].
1.A.2
Packet Pg. 15 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Grant Application Review Committee Results of 3/1/19 Meeting
Committee
Rank Activity Requested Recommended Adjusted 3/5/19
Source
Comments Available
1 Immokalee CRA/Sidewalk Improvements $500,000.00 $500,000.00 $500,000.00 CDBG Project
2 City of Naples/River Park ‐ 12th St. Sidewalk
Connection $108,450.00 $108,450.00 $108,450.00 CDBG Project
3 Bayshore/Gateway CRA/ Fire Suppression: Phase 3 $300,000.00 $300,000.00 $300,000.00 CDBG Project
4 BCC Stormwater Management/Naples Manor
Stormwater Improvements Phase 1 $80,000.00 $80,000.00 $80,000.00 CDBG Project
5 Youth Haven/App #2: Disaster Mitigation $35,531.00 $35,531.00 $35,531.00 CDBG Project
6 The Shelter for Abused Women & Children/ App #1:
Restroom Rehab $182,217.00 $182,217.00 $182,217.00 CDBG Project
7 Youth Haven/App #1: Odorzzi Cottage Rehab $317,207.00 $317,207.00 $317,207.00 CDBG Project
8 Collier County Housing Authority/App. #1: HVAC FWV
Phase 10 $500,000.00 $450,000.00 $0.00 CDBG Project
Awarded but project moved to
HOME to fully fund
9 Legal Aid/App #2: Main Office Improvement/Rehab $234,147.00 $100,000.00 $234,147.00 CDBG Project
10 Habitat/ App. #1: Kiacasa $2,000,000.00 $0.00 $0.00 CDBG Project
11 Immokalee Fire Control District/WCYAOT $450,000.00 $0.00 $311,646.57 CDBG Project
12 BCC‐ Facilities/Senior Center Renovations $90,000.00 $90,000.00 $90,000.00 CDBG Project
13 Rural Neighborhoods/Eden Park‐Esperanza Place
Neighborhood Center $500,000.00 $0.00 $0.00 CDBG Project
14 Residential Options of Florida/App #1: Naples
Inclusive Workforce Housing, Phase 1 $813,750.00 $0.00 $0.00 CDBG Project
15 Steiner House $599,999.00 $0.00 $0.00 CDBG Project
TOTAL $6,711,301.00 $2,163,405.00 $2,159,198.57 CDBG Project $2,159,198.57
1 Legal Aid/ App #1:Services to Victims Project $183,713.00 $183,000.00 $183,000.00 CDBG Public Serv
2 United Cerebral Palsy/Free to be me $93,463.00 $75,000.00 $75,000.00 CDBG Public Serv
3 Collier County Child Advocacy Council/Family Safety
Program $101,452.00 $75,000.00 $75,000.00 CDBG Public Serv
4 Boys & Girls Club/Immokalee & Naples
Transportation…$100,000.00 $45,000.00 $45,000.00 CDBG Public Serv
5 NAMI/App #1: Supportive Housing Specialist $58,574.00 $0.00 $0.00 CDBG Public Serv
TOTAL $537,202.00 $378,000.00 $378,000.00 CDBG Public Serv $378,000.00
1 The Shelter for Abused Women & Children/ App #2:
Operations $115,022.00 $106,560.00 $106,560.00 ESG
2 NAMI/App #2: Rapid Rehousing $30,304.00 $30,304.00 $31,040.00 ESG
3 Youth Haven/App #3: Shelter for Homeless Teens $108,000.00 $0.00 $0.00 ESG
4 Hunger & Homeless Coalition/HMIS Software Project $40,000.00 $40,000.00 $40,000.00 ESG
TOTAL $293,326.00 $176,864.00 $177,600.00 ESG $177,600.00
1 Collier County Housing Authority/App. #2:TBRA $440,000.00 $440,000.00 $159,993.00 HOME
2 Collier County Housing Authority/App. #1: HVAC FWV
Phase 10 $500,000.00 $450,000.00 $500,000.00 HOME
3 Habitat/ App. #2 Vincent Acres $900,000.00 $900,000.00 $900,000.00 HOME
TOTAL $1,840,000.00 $1,340,000.00 $1,559,993.00 HOME $1,559,993.00
1 H.E.L.P./ Mortgage Assistance Program $500,000.00 $200,000.00 $217,656.00 SHIP
2 FL Star Construction/Homeownership Assistance $400,000.00 $400,000.00 $400,000.00 SHIP
3 Residential Options of Florida/App #2: Liberty Place
Naples $300,000.00 $300,000.00 $300,000.00 SHIP
4 Collier County Housing Authority/App #3: Rental
Acquisition $600,000.00 $0.00 $0.00
TOTAL $1,800,000.00 $900,000.00 $917,656.00 SHIP $917,656.00
GRAND TOTALS $11,181,829.00 $4,958,269.00 $5,192,447.57 $5,192,447.57
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Packet Pg. 16 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
COLLIER COUNTY
Board of County Commissioners
AGENDA - RECAP
February 12, 2019
9:00 AM
9. ADVERTISED PUBLIC HEARINGS
A. This item to be heard at 9:30 a.m. This item was first heard at the January 22, 2019 BCC
meeting and approved for reconsideration at the February 12, 2019 BCC Meeting. (Commissioner
Taylor) Recommendation to approve an Ordinance amending Ordinance Number 04-41, as
amended, the Collier County Land Development Code, which includes the comprehensive land
regulations for the unincorporated area of Collier County, Florida, to make changes consistent
with Board direction, including revising the affordable housing definition, updating the
terminology and income levels associated with affordable housing categories, and increasing the
maximum affordable density bonus from 8 to 12 dwelling units per acre, by providing for: Section
One, Recitals; Section Two, Findings of Fact; Section Three, Adoption of Amendments to the Land
Development Code, more specifically amending the following: Chapter One- General Provisions,
including Section 1.08.02 Definitions; Chapter Two - Zoning Districts and Uses, including Section
2.06.01 Generally, Section 2.06.02 Purpose and Intent, Section 2.06.03 AHDB Rating System,
Section 2.06.04 Limitations on Affordable Housing Density Bonus, Section 2.06.05 Affordable
Housing Density Bonus Monitoring Program, and Section 2.6.6 Violations and Enforcement;
Section Four, Conflict and Severability; Section Five, Inclusion in the Collier County Land
Development Code; and Section Six, Effective Date. Ordinance 2019-02.
Adopted w/changes:
• Motion to approve Section 1.08.02 Affordable Housing Definitions - Approved 5/0;
• Motion to approve the Density Bonus Adjustment from Section 2.06.01 - Approved 5/0;
• Motion to approved cleanup changes that do not deal with duration and include 10% of
total housing units (voluntary) - Approved 4/1 (Commissioner Fiala opposed);
• Motion to approve the term duration of 30 years for both rental and owner-occupied
housing density bonus - Approved 4/1 (Commissioner Fiala opposed)
1.A.2
Packet Pg. 17 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
SAMPLE AHDB INCENTIVE CALCULATOR
Scenario 1- Original Development = 20 acres x 4 units/acre (base density) = 80 units (0% Affordable)
Number of
Original Market
Rate Units
Number of
Bonus Market
Rate Units
Total Number
of Market
Rate Units
Price of Each
Market Rate
Unit
Developer Profit on
Market and Bonus
Market Units (10%)
Number of
Affordable
Units
Price of Each
Affordable
Unit
Developer Profit
on Affordable
Units (10%)
Total Units
Total
Developer
Profit
Additional
Developer Profit
By Using AHDB
80 0 80 $434,000 $3,472,000 0 n/a $0 80 $3,472,000 n/a
Scenario 2- Development Utilizing Affordable Housing Density Bonus = 20 acre x 4 units/acre (base density) + AHDB 2 units/ acre (20% @ Gap income) = 120 units (20% Affordable)
Number of
Original Market
Rate Units
Number of
Bonus Market
Rate Units
Total Number
of Market
Rate Units
Price of Each
Market Rate
Unit
Developer Profit on
Market and Bonus
Market Units (10%)
Number of
Affordable
Units
Price of Each
Affordable
Unit
Developer Profit
on Affordable
Units (10%)
Total Units
Total
Developer
Profit
Additional
Developer Profit
By Using AHDB
80 16 96 $400,000 $3,840,000 24 $200,000 $480,000 120 $4,320,000 $848,000
Scenario 3- Development Utilizing Affordable Housing Density Bonus = 20 acre x 4 units/acre (base density) + AHDB 8 units/ acre (40% @ Low income) = 240 units (40% Affordable)
Number of
Original Market
Rate Units
Number of
Bonus Market
Rate Units
Total Number
of Market
Rate Units
Price of Each
Market Rate
Unit
Developer Profit on
Market and Bonus
Market Units (10%)
Number of
Affordable
Units
Price of Each
Affordable
Unit
Developer Profit
on Affordable
Units (10%)
Total Units
Total
Developer
Profit
Additional
Developer Profit
By Using AHDB
80 64 144 $268,000 $3,859,200 96 $150,000 $1,440,000 240 $5,299,200 $1,827,200
Scenario 4- Development Utilizing Affordable Housing Density Bonus = 20 acre x 4 units/acre (base density) + AHDB 12 units/ acre (60% @ Very-Low income) = 320 units (60% Affordable)
Number of
Original Market
Rate Units
Number of
Bonus Market
Rate Units
Total Number
of Market
Rate Units
Price of Each
Market Rate
Unit
Developer Profit on
Market and Bonus
Market Units (10%)
Number of
Affordable
Units
Price of Each
Affordable
Unit
Developer Profit
on Affordable
Units (10%)
Total Units
Total
Developer
Profit
Additional
Developer Profit
By Using AHDB
80 48 128 $250,000 $3,200,000 192 $150,000 $2,880,000 320 $6,080,000 $2,608,000
Scenario 5- Development Utilizing Affordable Housing Density Bonus = 20 acre x 4 units/acre (base density) + AHDB 12 units/ acre (100% @ Very-Low income) = 320 units (100% Affordable)
Number of
Original Market
Rate Units
Number of
Bonus Market
Rate Units
Total Number
of Market
Rate Units
Price of Each
Market Rate
Unit
Developer Profit on
Market and Bonus
Market Units (10%)
Number of
Affordable
Units
Price of Each
Affordable
Unit
Developer Profit
on Affordable
Units (10%)
Total Units
Total
Developer
Profit
Additional
Developer Profit
By Using AHDB
0 0 0 $0 $0 320 $125,000 $4,000,000 320 $4,000,000 $528,000
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Packet Pg. 18 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee -
$295K
$345K
$66.5K
44.549.6
0
50
100
150
200
250
300
350
400
Q3_15Q4_15Q1_16Q2_16Q3_16Q4_16Q1_17Q2_17Q3_17Q4_17Q1_18Q2_18Q3_18Q4_18Area Median Home
Price
Housing Opportunity
Index
Area Median Income
IN THE PAST
3.5 YEARS -
* HOME PRICES
INCREASED (Does
not include HOA fees)
16.9%
* MEDIAN
INCOME INC. -
INCREASED
12.8%
*AFFORDABILITY
(HOI) DECREASED
-10.3% (THE
WORST IN 3
YEARS)
NAPLES/MARCO
HOI (Housing
Opportunity Index)
is the share of
housing sold that
would be affordable
to a family earning
median income
based on mortgage
underwriting
criteria (30% of
gross income is
spent on housing
with 10% down
payment).
National Assoc. of
Home Builders
(NAHB) and Wells
Fargo (Q4,2018)
$75K
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Packet Pg. 19 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee -
Collier County Community and Human Services Division
Quarterly Rental Apartment Inventory Survey 02/11/2019
***Information deemed reliable, but should be independently verified***
Property Name Property Address Phone #1/1 Rental
Rate
2/2 Rental
Rate
3/2 Rental
Rate
# of Units in
Development
Occupancy
Rate
# Available as of
02/11/2019
Aster at Lely Resort 8120 Acacia St, Naples, FL 34113 (239) 919-8375 $1,792 $2,120 $2,431 308 96%13
Advenir Aventine 9300 Marino Cir, Naples, FL 34114 (239) 793-4603 $1,758 $2,043 $1,980 350 93%25
ORCHID RUN 10991 Lost Lake Drive, Naples, FL 34105 (833) 676-4450 844-815-9861 $1,661 $2,040 $2,467 282 93%19
Inspira Apartments 7425 Inspira Circle, Naples, FL 34113 (239) 298-5680 $1,533 $1,931 $2,072 304 43%173
Bermuda Island 3320 Bermuda Isle Cir, Naples, FL 34109 (877) 377-4289 $1,450 $1,750 $2,075 360 99%6
Alvista at Laguna Bay 2602 Fountainview Cir, Naples, FL 34109 (239) 254-7889 $1,315 $1,695 453 95%24
Malibu Lakes 2115 Malibu Lakes Circle, Naples, FL 34119 239.596.0035 $1,375 $1,695 $2,000 356 98%6
Milano Lakes 3713 Milano Lakes Circle, Naples, FL 34114 (239) 330-4181 $1,430 $1,610 $1,850 296 47%157
Waverley Place 5300 Hemingway Ln, Naples, FL 34116 (239) 353-4300 $1,286 $1,565 $1,547 300 98%6
River Reach 1970 River Reach Dr #179, Naples, FL 34104 (239) 643-2992 $1,409 $1,559 556 90%56
Somerset Palms 15985 Arbor View Blvd, Naples, FL 34110 (888) 479-3911 $1,554 $1,799 169 92%14
ARIUM GULFSHORE 5301 Summerwind Dr, Naples, FL 34109 (239) 597-6605 $1,325 $1,515 368 94%22
Meadow Lakes 105 Manor Blvd, Naples, FL 34104 (239) 403-4130 $1,254 $1,490 $1,660 252 96%10
AlVista at Golden Gate/Sabal Key 1600 Wellesley Cir, Naples, FL 34116 (239) 353-1211 $1,307 $1,479 200 94%12
Monterra at Bonita Springs 28151 Dovewood Ct, Bonita Springs, FL 34135 (239) 948-3826 $1,290 $1,430 $1,705 244 93%17
Belvedere At Quail Run 260 Quail Forest Blvd, Naples, FL 34105 (239) 434-0033 $1,350 $1,425 162 90%16
Sierra Grande at Naples 6975 Sierra Club Cir, Naples, FL 34113 (239) 529-5631 $1,361 $1,418 $1,600 300 92%24
The Point at Naples (Heron Park)2155 Great Blue Dr, Naples, FL 34112 (239) 417-5500 $1,235 $1,395 $1,610 248 95%12
Oasis Naples 2277 Arbor Walk Cir, Naples, FL 34109 (239) 598-9944 $1,250 $1,330 216 100%0
Mer Soleil 4250 Jefferson Ln, Naples, FL 34116 (239) 354-1155 $1,111 $1,328 $1,616 320 92%25
GEORGE CARVER APTS 350 10th St N Naples, FL - 34102 (239) 261-4595 (810)750-7000 $954 $1,312 $1,434 70 100%0
Meadow Brook Preserve 1130 Turtle Creek Blvd, Naples, FL 34110 (239) 514-4449 $1,461 $1,281 $1,962 268 96%12
Briar Landings 1385 Wildwood Lakes Blvd, Naples, FL 34104 239-775-4002 $1,100 $1,200 240 98%5
Naples Place I-III 4544-4626 Sunset Rd, Naples, FL 34116 (239) 455-5155 $800 $1,100 $1,150 170 100%0
NOAHS LANDING 10555 Noah's Cir, Naples, FL 34116 (239) 775-7115 $844 $1,005 $1,504 264 100%0
BRITTANY BAY 1 & 2 14815 Triangle Bay Dr, Naples, FL 34119 (239) 354-2002 $806 $960 $1,113 360 100%0
TUSCAN ISLE 8650 Weir Dr, Naples, FL 34104 (239) 304-3668 $796 $958 $1,107 298 100%0
COLLEGE PARK 6450 College Park Cir, Naples, FL 34113 239.732.7707 $951 $1,105 210 100%0
WHISTLER'S COVE 11400 Whistlers Cove Blvd, Naples, FL 34113 (239) 417-3333 $786 $950 $1,105 240 100%0
SUMMER LAKES 1 & 2 5520 Jonquil Ln, Naples, FL 34109 (855) 342-6413 $768 $927 $1,076 416 100%0
WHISTLER'S GREEN 4700 Whistlers Green Cir, Naples, FL 34116 (239) 352-2999 $773 $918 $1,058 168 100%0
OSPREYS LANDING 100 Ospreys Landing, Naples, FL 34104 (239) 261-5454 $763 $914 $1,044 176 100%0
SADDLEBROOK VILLAGE 8685 Saddlebrook Cir, Naples, FL 34104 (239) 354-1122 $914 $1,044 140 99%1
BEAR CREEK 2367 Bear Creek Dr, Naples, FL 34109 (239) 514-0600 $889 $1,035 108 100%0
VILLAS OF CAPRI 7725 Tara Cir, Naples, FL 34104 (239) 455-4600 $741 $889 $1,019 235 100%0
JASMINE CAY 100 Jasmine Circle Naples, FL - 34102 239-643-3900 (844) 853-8441 $843 $975 72 100%0
WINDSONG CLUB 11086 Windsong Cir, Naples, FL 34109 (239) 566-8801 $649 $784 $900 120 100%0
Berkshire Reserve (Daili of Naples)3536 Winifred Row Ln, Naples, FL 34116 239) 455-8174 $1,595 146 96%6
COLLIER HOUSING ALTERNATIVES 4211 Thomasson Ln, Naples, FL 34112 (239)793-0332 $650 10 100%0
GOODLETTE ARMS 950 Goodlette Rd N Naples, FL - 34102 (239) 262-3229 $812 242 100%0
LAUREL RIDGE 5460 Laurel Ridge Ln, Naples, FL 34116 (239) 353-7766 $1,088 78 100%0
Naples 701 3531 Plantation Way, Naples, FL 34112 (239) 775-8000 $1,035 188 94%11
Wild Pines of Naples 1&2 2580 Wild Pines Ln, Naples, FL 34112 (239) 793-6419 $950 200 100%0
Sub-Total Naples 10,463 94.0%672
CRESTVIEW PARK 1 & 2 715 Crestview Dr, Immokalee, FL 34142 (239) 658-8267 $878 $1,018 304 99%3
Immokalee Apartments 601 W Delaware Ave, Immokalee, FL 34142 (239) 657-6185 $777 $923 100 100%0
EDEN GARDENS 1 & II 1375 Boxwood Drive, Immokalee, FL 34142 (239) 657-7900 $770 $835 88 98%2
OAK HAVEN 580 Oakhaven Cir, Immokalee, FL 34142 (239) 658-5920 $754 $850 160 98%3
SOUTHERN VILLAS 1802 Custer Ave, Immokalee, FL 34142 (239) 657-3204 $577 $693 $838 35 95%2
BROMELIA PLACE 612 N 11th St Immokalee, FL - 34142 (844) 796-3474 (239) 657-3000 $575 $675 30 100%0
ESPERANZA PLACE 210 S 1st St, Immokalee, FL 34142 239.657.2009 $549 $639 $699 48 100%0
SUMMER GLEN 1012 Summer Glen Blvd, Immokalee, FL 34142 (239) 657-3204 $488 $599 45 100%0
WILLOWBROOK PLACE 1836 Ash Ln, Immokalee, FL 34142 239.657.3204 $485 $585 41 95%2
MAIN STREET VILLAGE 104 Anhinga Cir, Immokalee, FL 34142 239-657-6576 $565 $565 $635 79 100%0
SANDERS PINES 2449 Sanders Pine Cir, Immokalee, FL 34142 239-657-8333 $545 $595 41 100%0
FARM WORKER VILLAGE (non-farmworker)2225 Chadwick Cir, Immokalee, FL 34142 239-657-3649 239-842-0327 $485 $536 $567 276 78%61
GARDEN LAKE 1050 Garden Lake Cir, Immokalee, FL 34142 (239) 657-3204 $443 $535 65 100%0
HERITAGE VILLAS 1810 Lake Trafford Rd, Immokalee, FL 34142 (239) 657-3204 844-250-5248 $461 $516 41 85%6
CYPRESS RUN 550 Hope Cir, Immokalee, FL 34142 (239) 657-9032 $665 39 100%0
TIMBER RIDGE 2711 Wilton Ct, Immokalee, FL 34142 239-657-8333 $705 35 100%0
Sub-Total Immokalee 1,427 94.0%79
Grand Totals 11,890 94.0%751
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DRAFT
Collier County, Florida
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2019-2020, 2020-2021, 2021-2022
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Table of Contents
Description Page #
Section I, Program Details 4
Section II, Housing Strategies 11
A. Owner Occupied Rehabilitation 11
B. Purchase Assistance 14
C. Disaster Mitigation 18
D. Rental Development 21
E. Rental Rehabilitation 23
F. Rental Acquisition 25
G. New Construction Assistance 27
H. Demolition and Replacement of Manufactured Housing 30
I. Land Acquisition 33
Section III, Incentive Strategies 34
A. Expedited Permitting 34
B. Ongoing Review Process 34
C. Other Incentive Strategies Adopted 34
Exhibits 34
A. Administrative Budget for each fiscal year covered in the Plan
37
B. Timeline for Established Encumbrance and Expenditure 39
C. Housing Delivery Goals Chart for Each Covered Fiscal Year 40
D. Signed LHAP Certification 43
E. Signed, dated, witnessed or attested adopting resolution 45
F. Ordinance 47
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G. Interlocal agreement 53
H. Short Sale Policy 57
I. Essential Personnel Certification 61
J. Subordination Policy 62
I. Program Details:
A. LG(s)
Name of Local Government Collier County Board of County Commissioners
Does this LHAP contain an interlocal
agreement?
Yes
If yes, name of other local
government(s)
City of Naples
B. Purpose of the program:
• To meet the housing needs of the very low, low and moderate-income
households;
• To expand production of and preserve affordable housing; and
• To further the housing element of the local government comprehensive plan
specific to affordable housing.
C. Fiscal years covered by the Plan: 2019-2020, 2020-2021, 2021-2022
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
comply 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, lending institutions, builders and developers, not-for-profit and
community-based housing providers and service organizations, providers of professional
services related to affordable housing, advocates for low-income persons, real estate
professionals, persons or entities that can provide housing or support services and lead
agencies of the local continuums of care.
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
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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, local lenders and neighborhood associations. Input was also
solicited through the local newspaper 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 NOFAs, the County will
accept applications during the dates specified in the advertisement distributed via the County
website, email or via the County procurement office.
I. Waiting List/Priorities: A waiting list will be established when there are eligible
applicants for strategies that no longer have funding available. 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.
Applications will be accepted and approved on a first-come, first-qualified basis with priority
given to households with a special needs occupant, or other priorities that may be deemed by
the program funder, Florida Housing Finance Corporation.
Priorities for funding described/listed here apply to all strategies unless otherwise stated in the
strategy.
When funds are available for a 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
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d) Moderate
2. Essential Services Personnel
a) Extremely Low
b) Very Low
c) Low
d) Moderate
3. After Special Needs Set-asides and after ESP applicants have been income certified
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 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:
U.S. Treasury Department X
Local HFA Numbers
According to the U.S. Treasury Department, the most recently published figures, the 90%
median area purchase price threshold for Collier County as published by the U.S. Treasury
Department and in the Goals Chart.
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:
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https://www.floridahousing.org/owners-and-managers/compliance/income-limits
and
https://www.floridahousing.org/owners-and-managers/compliance/rent-limits
According to F.S., Section 420.9071:
“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. 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.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system
and selection criteria for applications for Awards to eligible sponsors shall be developed, which
includes a description that demonstrates how eligible sponsors 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 periodic 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 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 is attached as Exhibit A. The county finds
that the moneys deposited in the local housing assistance trust fund are necessary 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 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
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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 will be
performed by:
Entity Duties Percentage
Local Government Collier County, Florida 100%
Third Party Entity
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 ten (10%) percent for project delivery cost to cover
inspections and other eligible project delivery activities performed by the county or non-county
employees. 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) 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 I: Essential Personnel Certification. Essential Services
Personnel may apply to the Community and Human services Division for certification.
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T. Describe efforts to incorporate 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 may be encouraged.
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 for 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 produced
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
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(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 US 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 down payment 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.
Y. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to: homestead exemption, utility bill(s), or driver’s license.
1.A.2
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Section II. LHAP Strategies:
A. Owner Occupied Rehabilitation Code 3
1. Summary: 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. Assistance may include costs related to all
eligible repairs, inspections, work write-ups, recording fees and project delivery fees.
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Very low, low and moderate
4. Maximum award: $60,000
*Rehabilitation amount is $50,000. Additional cost including project delivery and
inspection fees 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 $60,000.
5. Terms:
a. Repayment loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note.
b. Interest Rate: 0%
c. Years in loan term: 15 years
d. 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 begin once all final invoices are paid and
deferred subordinate mortgage is signed by homeowner. If all conditions of the loan
agreement 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.
e. 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 rental property; 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,
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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:
i. Sale: if proceeds are not enough to pay off the promissory 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”.
ii. Title transfer: either voluntary or by operation of law, divested of
title by judicial sale, levy or other proceedings, including
foreclosure or Dee in Lieu.
iii. 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 and/or term, with or without
cash out in accordance with the “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased or
rented. If 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 county may make
an effort to recapture funds through the legal process if is determined that
adequate funds may be available to justify pursuing a repayment.
6. Recipient Selection Criteria: Applicants will be ranked for assistance based on first-
qualified, first served basis with the priorities for Special Needs, Essential Services
Personnel, income groups as described in Section 1. of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied
Rehabilitation to the County/Sponsor/Subrecipient for 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.
a. Must provide proof of homeowner’s insurance or attestation of no
insurance
b. If applicable, must file a claim for and use proceeds from insurance
and/or FEMA as first option
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c. Must complete an FHC approved “disaster self-declaration of
income” form, if 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 manufactured home owners renting their
lot may also apply for assistance.
7. Sponsor/Sub-recipient Selection Criteria: The County may issue a solicitation for
Construction Management provided by Sponsor/Subrecipient services from non-profit or
for-profit organizations.
The County or Sponsor/Subrecipients may provide the application intake and certification
of households applying for Owner Occupied Rehabilitation as well as facilitating the
rehabilitation of the property.
Organizations may submit the proposal as outlined in the solicitation 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.
8. Additional Information: 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. 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.
Homeowners may receive additional Rehabilitation funding provided they have no more
than three open SHIP mortgages and have waited at least three years since the last
Rehabilitation. Disaster related funding is exempt.
9. 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.
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B. Purchase Assistance Code 1, 2
1. Summary: 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-family home, manufactured home or
condominium.
A newly constructed home must have received a Certificate of Occupancy within
the twelve months prior to purchase. 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. A manufactured home
must be in place with all site requirements met and a valid certificate of
occupancy. Funding, which is provided as a subordinate mortgage loan, may be
used for down payment, closing costs and principle 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 principle 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 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 principle 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.
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Extremely low, Very low, Low and Moderate
4. Maximum award: Extremely/Very Low: $50,000*
Low: $30,000*
Moderate: $20,000*
*Additional $5,000 may be included for Essential Services Personnel.
** Additional $2,500 in reimbursement may be available for rehabilitation activities as
referenced above.
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5. Terms:
a. Repayment loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note.
b. Interest Rate: 0%
c. Years in loan term: 15 years
d. 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. In year six one-third of the outstanding loan amount will be forgive
and an addition one-third will be forgiven every five years with the loan forgiven
entirely at the end of the 15-year term, if all conditions have been met.
e. 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; 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:
i. Sale; if proceeds are not enough to pay off the
mortgage note then the homeowner may
contact the County Regarding a settlement amount of the
SHIP loan.
ii. Title transfer, either voluntary or by operation of law,
divested of title by judicial sale, levy or other proceedings,
including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published
“Subordination Policy”.
iv. Home is no longer primary residence or is leased or rented. If
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.
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If the home is foreclosed on by a superior mortgage holder, the County may try to
recapture funds through the legal process if it is determined that adequate funds may
be available to justify pursuing a recapture.
6. Recipient Selection Criteria: Applicants will be ranked for assistance based on first-
qualified, first-served basis with the priorities for Special Needs, Essential Services
Personnel, income groups as described in section 1. 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, and have a mortgage loan pre-approval from a
participating Lender prior to applying.
Applicants must attend a HUD approved Homebuyer Education Program and provide a
copy of the certificate to the Division prior to closing on a home. The certificate must be
dated within one year of income certification date.
7. Sponsor/Sub-recipient 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 respond to the Invitation to Negotiate, as outlined in the solicitation
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
statement, for evaluation of sponsor/subrecipient eligibility.
Non-profit/for profit housing subrecipient/sponsor will be evaluated using established
evaluation and selection criteria detailed below:
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
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• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
8. Additional Information: Applicants must secure a first mortgage by a licensed mortgage
lender. Units assisted must be within the incorporated or unincorporated area of Collier
County. Eligible housing for the County currently.
a. Manufactured homes built after July 13, 1994 are a category of
eligible housing for the County currently.
b. Completion of the Homebuyer Education Program is mandatory
prior to closing.
c. 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.
d. Financial Institutions must execute a Memorandum of
Understanding (MOU) with the County to participate in the
SHIP program.
1.A.2
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C. Disaster Mitigation Code 5
1. Summary: The Disaster Strategy provides cost reimbursement 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 Owner-Occupied Rehabilitation
Programs and any other LHAP strategy that is deemed necessary. SHIP disaster funds
are intended for work already completed and paid. 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 a 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 repairs of existing wells where public water is
not available;
• Immediate threats to health and 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)
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Extremely low/Very low, low and moderate
4. 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.
5. Terms:
a. 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.
b. Interest Rate: 0%
c. Years in loan term: N/A
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d. 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 strategy.
e. 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.
6. Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-
served basis with the following additional requirements:
a. Must provide proof of homeowner’s insurance or attestation of no
insurance
b. If applicable, must file a claim for and use proceeds from insurance
and/or FEMA as first option
c. Must complete an FHC approved “disaster self-declaration of
income” form, if 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
manufactured home owners renting their lot may also apply for assistance.
7. 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 applications/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
described below:
CHS staff will evaluate each application submitted. In the initial phase staff will review
the application for general conformance with submission requirements. The final phase
will consist of an in-depth review of the following:
• Compliance with SHIP regulations
• Project risk analysis
1.A.2
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• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
8. 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 always
must be used for eligible applicants and eligible housing.
Homeowners are required to submit proper invoices and receipts to receive
reimbursement for incurred expenses because of the declared disaster, proof of
insurance deductible and proof of FEMA funds, 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 manufactured homes beyond the allowable 20%
unless authorized by Florida Housing Finance Corporation.
9. 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 amounts.
10. SHIP disaster funds may be used for manufactured homes built after July 13, 1994.
1.A.2
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D. Rental Development Code 14, 21
1. Summary: 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.
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Extremely low/Very low, low and moderate
4. Maximum award: $100,000 per development under 50 units
$150,000 per development with 50 units or less,
that includes at least 20% Special Needs units.
$200,000 per development with over 50 units
5. Terms:
a. Repayment loan/grant: 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.
b. Interest Rate: 0%
c. Years in loan term: 20 years
d. Forgiveness/Repayment:
i. 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.
ii. 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.
e. 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:
i. Sale; if proceeds are not enough 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.
ii. Title transfer, either voluntary or by operation of law, divested of title by
judicial sale, levy or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance; a refinance of the first mortgage may be approved without
1.A.2
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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”.
iv. 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. 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.
6. 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.
7. Sponsor/Sub-recipient 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:
a. Are in areas of immediate need due to lack of available units.
b. Propose to preserve and improve existing units.
All funding awards will be subject to closing on other funding sources.
8. Additional Information:
a. Developers will be required to meet compliance reporting requirements on the
development necessary to meet the statutory requirements for monitoring of SHIP rental
units.
b. 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 low-
income housing tax credits. If awarded shall not exceed the maximum award amount.
1.A.2
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E. Rental Rehabilitation Code 14
1. Summary: The program is designed to rehabilitate rental units in Collier County.
The rental units will serve extremely low, very-low, low and moderate-income
households with 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, 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.
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Extremely low, Very low, low and moderate
4. Maximum award: Maximum rehabilitation loan to non-profit/for profit housing
provider subrecipient/sponsors or landlords/owners shall not exceed $500,000
per property. Maximum per unit award amount is $30,000.
5. Terms: Repayment loan/deferred loan/grant: Funds will be made available by
loans secured by a subordinate mortgage placed on the property rehabilitated.
a. Interest Rate: 0%
b. Years in loan term: 15 years
c. Forgiveness/Repayment: Repayment of the loan is required in full
under the following conditions:
i. Sale, if proceeds are not enough 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.
ii. Title transfer, either voluntary or by operation of law, divested
of title by judicial sale, levy or other proceedings, including
foreclosure or Deed in Lieu.
iii. 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 and/or term with no cash
out.
iv. Property will no longer serve the intended target
population.
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d. 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.
e. 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.
6. Recipient Selection Criteria: Non-profit/for profit providers or land lords 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.
7. Sponsor/Sub-recipient 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
8. 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 (15) year loan term.
9. 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.
1.A.2
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F. Rental Acquisition Code 20
1. Summary: 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 preference for applicants with special needs as defined in s.420.0004, Florida
Statutes.
Loans will be given to non-profit/for profit housing subrecipient/sponsors.
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Extremely low, Very low, low and moderate
4. Maximum award: Maximum acquisition loan to non-profit/for profit provider
shall not exceed $300,000 per rental property.
5. Terms Repayment loan/deferred loan/grant: Funds will be made available by
loans secured by a subordinate mortgage placed on the property rehabilitated.
a. Interest Rate: 0%
b. Years in loan term: 20 years
c. Repayment: Repayment of the loan is required in full
under the following conditions:
i. Sale; if proceeds are not enough to pay off the promissory note
then the property owner (non-profit or for-profit) may contact
the County regarding a settlement amount of the SHIP loan.
ii. 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.
iii. 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 and/or term, with no cash
out.
iv. Property will no longer serve the intended target population.
d. Forgiveness: If all conditions met forgiven after 20 years.
e. Default/Recapture: Repaid funds are considered program income,
a portion of which may be used for program administration.
6. 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.
7. Sponsor/Sub-recipient Selection Criteria: Non-profit/for profit housing
sponsors/subrecipients will be evaluated using established evaluation and selection
criteria.
1.A.2
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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
8. Additional Information: Once the improvements are completed, the
sponsor/subrecipient/landlord 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.
1.A.2
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G. New Construction Assistance Code 10
1. Summary: SHIP funds may be provided to non-profit or 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.
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Extremely low, Very low, low and moderate
4. Maximum award: $50,000/unit
5. Terms for the Sponsor/Subrecipient:
a. Repayment loan/deferred loan/grant for the
Sponsor/Subrecipient: The county will require the
sponsor/subrecipient to execute a promissory note and
mortgage when the property associated with construction has
been identified. 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 eligible
homebuyer to execute a promissory note and mortgage in favor of the
County at the time of closing. The construction subsidy must be
reflected on the contract for sale of the constructed home.
b. Interest Rate: 0%
c. Years in loan term for Sponsor/Subrecipient: for no more than 3
years, and then when unit is sold it is a 15-year term for the
buyer/borrower.
6. Forgiveness: If the property has not been successfully sold to an income qualified buyer
within 3 years of the date the mortgage and promissory note are entered, the entire
amount is due and payable to the County.
7. Terms – Eligible Homebuyer:
a. Repayment loan/deferred loan/grant: Loan the County will require the
sponsor/subrecipient to transfer the promissory note and mortgage to
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 the sale of the constructed home.
b. Interest Rate: 0%
c. Years in loan term: 15 years
d. Repayment or Refinance: Refinance; a refinance of the first mortgage
may be approved without repayment if the request is submitted in
1.A.2
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writing and the refinance is at a lower fixed rate and/or term, with or
without cash out in accordance with the “Subordination Policy”.
8. Forgiveness: In cases where the qualifying homeowner(s) die(s) during the loan term,
the loan will be forgiven.
9. Default:
a. 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; 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:
i. Sale; if proceeds are not enough to pay off the mortgage note
then the homeowner may contact the County regarding a
settlement amount of the SHIP loan
ii. Title transfer, either voluntary or by operation of law, divested
of title by judicial sale, levy or other proceedings, including
foreclosure or Deed in Lieu.
iii. 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.
iv. If the home is foreclosed on by a superior mortgage holder, the
county may try to recapture funds through the legal process if it
is determined that adequate funds may be available to justify
pursuing a recapture.
v. The county reserves the right to foreclose if the homeowner
does not repay the loan as noted above.
vi. 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 the Annual Reporting
purposes.
b. For sponsors/subrecipients- In the event the property is not sold to an
income eligible homebuyer, the funds will become due and payable to
the County.
10. Recipient Selection Criteria:
a. Home Buyer Criteria- Sponsor/Subrecipient shall identify applicants and
provide the Application intake and income certification of households
applying for Construction Assistance, as specified in their agreement
with the County.
1.A.2
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Applicants will be ranked for assistance based on a first-qualified, first-
served basis with the priorities for Special Needs, Essential Service
Personnel and income group as described in Section I.
An applicant may submit a complete 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
the SHIP requirements, are SHIP Income Certified, and have a mortgage
loan approval from a participating Lender prior to applying.
Applicants must attend a HUD approved Homebuyer Education
Program and provide a copy of the certification to the
Sponsor/Subrecipient prior to closing on a property. The certificate
must be dated prior to the SHIP application date and is good for 12
months.
b. 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 apply and provide any related
information, specified by the SHIP Administrator, to be used for
evaluation of sponsor/subrecipient eligibility.
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
1.A.2
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H. Demolition and Replacement of Site Built or
Manufactured Homes
Code 4
1. Summary: SHIP funds will be awarded to owner occupied manufactured homeowners in
need of demolition and replacement of housing. The County may use SHIP funds for
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
incorporated or unincorporated areas of Collier County. Loans for assistance may include
costs related to all eligible demolition activities, removal, permits, transportation,
inspections by the sponsor/subrecipient, work write-ups, sales tax, and recording fees.
Additional SHIP funds can be used to bring building site and improvements up to FEMA
requirements, Collier County codes, State regulations, Homeowner’s Association by-laws,
and/or to adequately replace the amenities of the existing home. These additional site
improvements may include, but are not limited to geotechnical surveys, engineering,
concrete pilings/piers, septic system improvements, fill, driveways, storage sheds and
any other requirements as noted above.
2. Fiscal Years Covered: 2019-2020, 2020-2021, 2021-2022
3. Income Categories to be served: Extremely low, Very low, low and moderate
4. Maximum award: Maximum loan to non-profit/for profit housing provider
subrecipient/sponsors or landlords/owners shall not exceed $150,000 per property.
Maximum per manufactured unit award amount is $75,000, and up to a maximum of
$75,000 for additional required site improvements as specified by FEMA requirements,
Collier County codes, State regulations, Homeowner’s Association by-laws and/or to
adequately replace the amenities of the existing home. The additional cost associated
with project delivery, if applicable, and inspections by the County’s independent third-
party inspector pre- and post will be included in the total award.
5. Terms:
a. Repayment loan/deferred loan: Funds will be made available by loans
secured by a subordinate mortgage placed on the property
rehabilitated.
b. Interest Rate: 0%
c. Years in loan term: 15 years.
d. Forgiveness/Repayment: Repayment of the loan is required in
1.A.2
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full under the following conditions:
i. Sale, if proceeds are not enough 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.
ii. Title transfer, either voluntary or by operation of law,
divested of title by judicial sale, levy or other proceedings,
including foreclosure or Deed in Lieu.
iii. 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 and/or term with no cash
out.
iv. Property will no longer serve the intended target population.
v. In cases where the qualifying homeowner(s) die(s) during the
loan term,
the loan will be forgiven.
e. 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) years.
6. 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, income groups as described in Section1. 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 and are SHIP Income Certified.
The existing home must be damaged or in disrepair to the extent that the home is
condemned, or repair is not economically feasible as determined by FEMA, Collier
County Growth Department, the Department of Health or the County’s third-party
inspector/general contractor.
a. Must provide proof of homeowner’s insurance or attestation of no
insurance
b. If applicable, must file a claim for and use proceeds from insurance
and/or FEMA as first option
c. Must complete an FHC approved “disaster self-declaration of
income” form, if applicable.
1.A.2
Packet Pg. 50 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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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 manufactured home owners renting their
lot may also apply for assistance.
7. Sponsor/Sub-recipient 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
• Project risk analysis
• Financial risk analysis
• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
8. 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.
1.A.2
Packet Pg. 51 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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I. Land Acquisition
1. Summary: The land acquisition program is designed to facilitate the acquisition
of vacant land which will be developed for affordable housing opportunities by
offering loans to non-profit or for-profit housing providers to acquire such land. Any land
acquired with SHIP funds must be placed into a Collier County approved land trust.
2. Fiscal Years Covers: 2019-2020, 2020-2021, 2021-2022
3. Income categories to be served: Extremely low/Very low, low and moderate and be
selected on a first qualified, first served basis.
4. Maximum award: Shall not exceed $50,000 per unit.
5. Land acquisition program funds will be made available by loans secured by a 20-year, 0%
interest, and deferred payment subordinate mortgage loan and note forgiven at the end
of the 20-year period if all conditions have been met. Monthly payments are not
required.
The county will take third position if FHFC funds are used in addition to SHIP or at the
discretion of the Division director.
Repaid funds are considered program income, a portion of which may be used for
program administration.
6. Recipient Selection Criteria: A housing provider wishing to receive land acquisition may
use in conjunction with other eligible SHIP strategies and will be evaluated competitively
on the following criteria:
• Financial strength of the agency
• The ability of the developer to complete the development within the
established timelines
• The capacity of the developer
• The affordability of the product produced
• Neighborhood compatibility of the development
• Number of units produced per SHIP dollar spent
• Leveraging of SHIP funds with other sources
• Preference will be given to organizations participating in the Wages to
Work program.
7. Additional Information: The SHIP funds used in the land acquisition program may be
leveraged by several public and private sources. The agencies receiving these loans will
be constructing housing units on the land acquired with funding secured elsewhere in
the public and private sector.
1.A.2
Packet Pg. 52 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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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. 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.
Provide a description of the procedures used to implement this strategy: The Collier County
Board of County Commissioners approved an AHAC 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 are
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. 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.
Provide a description of the procedures used to implement this strategy: 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 executive summary must be prepared in
official format and include a description of the Growth Management Impact and the Fiscal
Impact to the County.
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 (AHAC) 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
1.A.2
Packet Pg. 53 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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Land Development Code, § 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.
The Collier County Board of County Commissioners approved an AHAC recommended
Incentive Strategy to permit properties identified as appropriate for use as affordable
housing to 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.
1.A.2
Packet Pg. 54 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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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
K. Subordination Policy
1.A.2
Packet Pg. 55 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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EXHIBIT A.
(Collier County)
Fiscal Year: 2019-2020
Estimated SHIP Funds for Fiscal Year: $ 2,255,560.00
Salaries and Benefits $ 204,353.74
Office Supplies and Equipment $ 6,541.12
Travel Per diem Workshops, etc. $ 3,834.45
Advertising $ 225.56
Other* $ 10,601.13
Total $ 225,556.00
Admin % 10.00%
OK
Fiscal Year 2020-2021
Estimated SHIP Funds for Fiscal Year: $ 2,255,560.00
Salaries and Benefits $ 204,353.74
Office Supplies and Equipment $ 6,541.12
Travel Per diem Workshops, etc. $ 3,834.45
Advertising $ 225.56
Other* $ 10,601.13
Total $ 225,556.00
Admin % 10.00%
OK
Fiscal Year 2021-2022
Estimated SHIP Funds for Fiscal Year: $ 2,255,560.00
Salaries and Benefits $ 204,353.74
Office Supplies and Equipment $ 6,541.12
Travel Per diem Workshops, etc. $ 3,834.45
Advertising $ 225.56
Other* $ 10,601.13
Total $ 225,556.00
Admin % 10.00%
1.A.2
Packet Pg. 56 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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OK
*All "other" items need to be detailed here and are subject to review and approval
by the SHIP review committee. Project Delivery Costs that are outside of
administrative costs are not to be included here but must be detailed in the LHAP
main document.
Details: for each year Other expenses totaling $10,601.13 consist of $822.52 Credit
Reports, $994.48 Assessment, $6,964.36 Third Party Inspection, $257.48 Postage
$1,378.52 Recording Fees and $183.77 Dues & Membership
1.A.2
Packet Pg. 57 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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EXHIBIT B. Timeline for SHIP Expenditures Collier County_____________________________ affirms that funds allocated for
these fiscal years will
(local government)
meet the following deadlines:
Fiscal Year Encumbered Expended 1st Year AR 2nd Year AR Closeout AR 2019-2020 6/30/2021 6/30/2022 9/15/2020 9/15/2021 9/15/2022
2020-2021 6/30/2022 6/30/2023 9/15/2021 9/15/2022 9/15/2023 2021-2022 6/30/2023 6/30/2024 9/15/2022 9/15/2023 9/15/2024
If funds allocated for these fiscal years is not anticipated to meet any of
the deadlines in the table above, Florida Housing Finance Corporation will be
notified according to the following chart:
Fiscal Year Funds Not Encumbered Funds Not Expended 1st Year AR Not Submitted
2nd Year AR Not Submitted
Closeout AR Not Submitted 2019-2020 3/30/2021 3/30/2022 6/15/2020 6/15/2021 6/15/2022
2020-2021 3/30/2022 3/30/2023 6/15/2021 6/15/2022 6/15/2023 2021-2022 3/30/2023 3/30/2024 6/15/2022 6/15/2023 6/15/2024
Requests for Expenditure Extensions (close-out year ONLY) must be received by FHFC by June 15 of the year in which funds are required to be expended. The extension request shall be emailed to robert.dearduff@floridahousing.org and terry.auringer@floridahousing.org and include:
1. A statement that “(city/county) requests an extension to the
expenditure deadline for fiscal year _____________________.
2. The amount of funds that is not expended.
3. The amount of funds that is not encumbered or has been
recaptured.
4. A detailed plan of how/when the money will be expended.
Note: an extension to the expenditure deadline (June 30) does not relieve the
requirement to submit (September 15) the annual report online detailing all
funds that have been expended. Please email terry.auringer@floridahousing.org
when you are ready to “submit” the AR.
Other Key Deadlines:
AHAC reports are due for each local government the same year as the local
government’s LHAP being submitted. Local governments receiving the minimum or
less allocation are not required to report.
1.A.2
Packet Pg. 58 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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EXHIBIT C.
Strategies
Homeownership
2 Purchase Assistance - new construction No 3 $50,000 4 $30,000 4 $20,000 $0.00 $350,000.00 $350,000.00 11 Purchase Assist $350,000
3 Owner Occcupied Rehab Yes 2 $55,000 3 $55,000 1 $55,000 $330,000.00 $0.00 $330,000.00 6 Owner Occ Rehab $330,000
4 Demo/Replace Yes 1 $150,000 1 $150,000 1 $150,000 $450,000.00 $0.00 $450,000.00 3 Demo/Replace $450,000
10 New Construction Yes 3 $50,000 4 $50,000 3 $50,000 $500,000.00 $0.00 $500,000.00 10 New Construction $500,000
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 9 12 9 $1,280,000.00 $350,000.00 $1,630,000.00 30
New $415,058.00 Existing $415,058.00
20 Rental Acquisition Yes 1 $300,000 0 $300,000 0 $300,000 $300,000.00 $0.00 $300,000.00 1 Rental Acquisition $300,000
14 Rental Rehab Yes 0 $200,000 1 $200,000 0 $200,000 $200,000.00 $0.00 $200,000.00 1 Rental Rehab $200,000
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Rental 1 1 0 $500,000.00 $0.00 $500,000.00 2
Administration Fees Yes
Home Ownership Counseling No
Total All Funds Total Award less Admin $2,130,000
$860,000.00 38.1%
$635,000.00 28.2%
$435,000.00 19.3%
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
Moderate Income
Homeownership % (65% requirement)72.3%OK
Rental Restriction (25%)22.2%OK
$2,355,556.00
Set-Asides
Percentage Construction/Rehab (75% requirement)78.9%OK
This total is over the allocation and will require less than the maximum amount be awarded per applicant
Units
$225,556.00 10%OK
New Construction Without
Construction Total
$0.00
LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
Max. SHIP
Award
OK OK
Purchase Price Limits:
Code Rental Qualifies for
75% set-aside VLI Units
LHAP Exhibt C 2019
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2019-2020
Estimated Funds (Anticipated allocation only):$2,255,560.00
Name of Local Government: Collier County
UnitsCodeQualifies for
75% set-aside VLI Units New Construction Without
Construction TotalMax. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
1.A.2
Packet Pg. 59 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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Strategies
Homeownership
2 Purchase Assistance - new construction No 3 $50,000 4 $30,000 4 $20,000 $0.00 $350,000.00 $350,000.00 11 Purchase Assist $350,000
3 Owner Occcupied Rehab Yes 2 $55,000 3 $55,000 1 $55,000 $330,000.00 $0.00 $330,000.00 6 Owner Occ Rehab $330,000
4 Demo/Replace Yes 1 $150,000 1 $150,000 1 $150,000 $450,000.00 $0.00 $450,000.00 3 Demo/Replace $450,000
10 New Construction Yes 3 $50,000 4 $50,000 3 $50,000 $500,000.00 $0.00 $500,000.00 10 New Construction $500,000
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 9 12 9 $1,280,000.00 $350,000.00 $1,630,000.00 30
New $415,058.00 Existing $415,058.00
20 Rental Acquisition Yes 1 $300,000 0 $300,000 0 $300,000 $300,000.00 $0.00 $300,000.00 1 Rental Acquisition $300,000
14 Rental Rehab Yes 0 $200,000 1 $200,000 0 $200,000 $200,000.00 $0.00 $200,000.00 1 Rental Rehab $200,000
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Rental 1 1 0 $500,000.00 $0.00 $500,000.00 2
Administration Fees Yes
Home Ownership Counseling No
Total All Funds Total Award less Admin $2,130,000
$860,000.00 38.1%
$635,000.00 28.2%
$435,000.00 19.3%
OK OK
Very-Low Income (30% requirement)OK
$2,355,556.00
Set-Asides
Percentage Construction/Rehab (75% requirement)78.9%OK
This total is over the allocation and will require less than the maximum amount be awarded per applicant
Total Units
$225,556.00 10%OK
Low Income (30% requirement)OK
Moderate Income
Homeownership % (65% requirement)72.3%OK
Rental Restriction (25%)22.2%OK
New Construction Without
Construction
$0.00
LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
Max. SHIP
Award
Purchase Price Limits:
Code Rental Qualifies for
75% set-aside VLI Units
UnitsCodeQualifies for
75% set-aside VLI Units Max. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award New Construction Without
Construction Total
LHAP Exhibt C 2019
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2020-2021
Estimated Funds (Anticipated allocation only):$2,255,560.00
Name of Local Government: Collier County
1.A.2
Packet Pg. 60 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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Strategies
Homeownership
2 Purchase Assistance - new construction No 3 $50,000 4 $30,000 4 $20,000 $0.00 $350,000.00 $350,000.00 11 Purchase Assist $350,000
3 Owner Occcupied Rehab Yes 2 $55,000 3 $55,000 1 $55,000 $330,000.00 $0.00 $330,000.00 6 Owner Occ Rehab $330,000
4 Demo/Replace Yes 1 $150,000 1 $150,000 1 $150,000 $450,000.00 $0.00 $450,000.00 3 Demo/Replace $450,000
10 New Construction Yes 3 $50,000 4 $50,000 3 $50,000 $500,000.00 $0.00 $500,000.00 10 New Construction $500,000
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Homeownership 9 12 9 $1,280,000.00 $350,000.00 $1,630,000.00 30
New $415,058.00 Existing $415,058.00
20 Rental Acquisition Yes 1 $300,000 0 $300,000 0 $300,000 $300,000.00 $0.00 $300,000.00 1 Rental Acquisition $300,000
14 Rental Rehab Yes 0 $200,000 1 $200,000 0 $200,000 $200,000.00 $0.00 $200,000.00 1 Rental Rehab $200,000
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
$0.00 $0.00 $0.00 0
Total Rental 1 1 0 $500,000.00 $0.00 $500,000.00 2
Administration Fees Yes
Home Ownership Counseling No
Total All Funds Total Award less Admin $2,130,000
$860,000.00 38.1%
$635,000.00 28.2%
$435,000.00 19.3%
OK OK
Total UnitsLI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award New Construction Without
Construction
Max. SHIP
Award
$225,556.00 10%
$2,355,556.00
OK
$0.00
This total is over the allocation and will require less than the maximum amount be awarded per applicant
Set-Asides
Percentage Construction/Rehab (75% requirement)78.9%OK
Moderate Income
Homeownership % (65% requirement)72.3%OK
Rental Restriction (25%)22.2%OK
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
Purchase Price Limits:
Code Rental Qualifies for
75% set-aside VLI Units
UnitsCodeQualifies for
75% set-aside VLI Units Max. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award New Construction Without
Construction Total
LHAP Exhibt C 2019
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2021-2022
Estimated Funds (Anticipated allocation only):$2,255,560.00
Name of Local Government: Collier County
1.A.2
Packet Pg. 61 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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EXHIBIT D.
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity: Collier County__________________________________
Certifies that:
(1) The availability of SHIP funds will be advertised pursuant to program requirements in
420.907-420.9079, 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, color, national origin, sex, handicap, familial status,
or religion.
(3) A process to determine eligibility and for selection of recipients for funds has been
developed.
(4) Recipients of funds will be required to contractually commit to program guidelines and
loan terms.
(5) Florida Housing will be notified promptly if the local government /interlocal entity will
be unable to comply with any provision of the local housing assistance plan (LHAP).
(6) The LHAP provides a plan for the encumbrance of funds within twelve months of the end
of the State fiscal year in which they are received and a plan 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.
(7) The LHAP 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 LHAP.
(8) Amendments to the approved LHAP shall be provided to the Florida Housing for review
and/or approval within 21 days after adoption.
(9) The trust fund exists with a qualified depository for all SHIP funds as well as program
income or recaptured funds.
(10) Amounts on deposit in the local housing assistance trust fund shall be invested as
permitted by law.
(11) The local housing assistance trust fund shall be separately stated as a special revenue
fund in the local governments audited financial statements (CAFR). An electronic copy
1.A.2
Packet Pg. 62 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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of the CAFR or a hyperlink to the document shall be provided to Florida Housing by June
30 of the applicable year.
(12) Evidence of compliance with the Florida Single Audit Act, as referenced in Section
215.97, F.S. shall be provided to Florida Housing by June 30 of the applicable year.
(13) SHIP funds will not be pledged for debt service on bonds.
(14) Developers receiving assistance from both SHIP and the Low-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 shall
comply with all Federal and SHIP program requirements.
(15) 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 serve eligible
persons.
(16) Rental Units constructed or rehabilitated with SHIP funds shall be monitored for
compliance with tenant income requirements and affordability requirements or as
required in Section 420.9075 (3)(e). To the extent another governmental entity provides
periodic monitoring and determination, a municipality, county or local housing financing
authority may rely on such monitoring and determination of tenant eligibility.
(17) The LHAP meets the requirements of Section 420.907-9079 FS, and Rule Chapter 67-37
FAC.
(18) The provisions of Chapter 83-220, Laws of Florida have not been implemented (except
for Miami-Dade County).
___________N/A______________ _________________________________
Witness Chief Elected Official or designee
___________N/A_______________ William L. McDaniel, Jr., Chairman______
Witness Type Name and Title
_____________________________
Date
OR
_____________________________
Attest:
(Seal)
1.A.2
Packet Pg. 63 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
2019/2020, 2020/2021, 2021/2022, LHAP
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EXHIBIT E.
RESOLUTION #: 2019-__
A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF THE COLLIER
COUNTY, FLORIDA APPROVING THE LOCAL HOUSING ASSISTANCE PLAN AS
REQUIRED BY THE STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM ACT,
SUBSECTIONS 420.907-420.9079, FLORIDA STATUTES; AND RULE CHAPTER 67-37,
FLORIDA ADMINISTRATIVE CODE; AUTHORIZING AND DIRECTING THE CHAIRMAN
TO EXECUTE ANY NECESSARY DOCUMENTS AND CERTIFICATIONS NEEDED BY THE
STATE; AUTHORIZING THE SUBMISSION OF THE LOCAL HOUSING ASSISTANCE PLAN
FOR REVIEW AND APPROVAL BY THE FLORIDA HOUSING FINANCE CORPORATION;
AND PROVIDING AN EFFECTIVE DATE.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing Act,
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, ss. 420.907-420.9079, Florida
Statutes (1992), and Rule 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 establish the maximum SHIP funds
allowable for each strategy; and
WHEREAS, the SHIP Act further requires local governments to establish an average area
purchase price for new and existing housing benefiting from awards made pursuant to the Act; The
methodology and purchase prices used are defined in the attached Local Housing Assistance Plan; and
WHEREAS, as required by section 420.9075, F.S. It is found 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. The cost of administering the program may not exceed 10
percent of the local housing distribution plus 5% 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.
1.A.2
Packet Pg. 64 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
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WHEREAS, the Community and Human Services Division has prepared a three-year 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 public
for the County to submit the Local Housing Assistance Plan for review and approval so as to qualify for
said documentary stamp tax funds.
NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA that:
Section 1: The Board hereby approves the Local Housing Assistance Plan, as attached and
incorporated hereto for submission to the Florida Housing Finance Corporation as
required by ss. 420.907-420-9079, Florida Statutes, for fiscal years 2019/2020,
2020,2021 and 2021/2022.
Section 2: The Chairman, is hereby designated and authorized to execute any documents and
certifications required by the Florida Housing Finance Corporation as related to the Local
Housing Assistance Plan, and to do all things necessary and proper to carry out the term
and conditions of said program.
Section 3: This resolution shall take effect immediately upon its adoption.
PASSED AND ADOPTED by the Board of County Commissioners of Collier County, Florida, this
_______ day of _____________________, 2019.
_________________________________
William L. McDaniel, Jr., Chairman
(SEAL)
ATTEST: CRYSTAL K. KINZEL, CLERK
_____________________________________
Clerk
Date: _________________
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EXHIBIT F.
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1.A.2
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1.A.2
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EXHIBIT G.
COLLIER COUNTY/CITY OF NAPLES INTERLOCAL AGREEMENT STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM THIS INTERLOCAL AGREEMENT (the “Agreement”) made and entered into this
day of , 2019, by and between Collier County, a political subdivision of
the State of Florida, acting by and through its Board of County Commissioners, and the City of
Naples, a municipal corporation created and existing under the laws of the State of Florida,
acting by and through its City Council.
W I T N E S S E T H:
WHEREAS, Section 420.9072, et seq., Florida Statutes (the “State Housing
I nitiatives Partnership Program” (“SHIP”), authorizes monies in the Local Government
Housing Trust Fund (the “Fund”) to be distributed to approved counties and eligible
municipalities within the county pursuant to an Interlocal Agreement; and
WHEREAS, Collier County is an approved county and the City of Naples is an
eligible municipality within Collier County; and
WHEREAS, the parties desire to jointly utilize SHIP allocations pursuant to this
Agreement; and
WHEREAS, the parties have determined that SHIP funds can be more efficiently
utilized and managed when the parties work cooperatively to address the community’s
affordable housing needs.
NOW, THEREFORE, in consideration of the mutual promises set forth herein, the
parties agree as follows:
1. The County and City do hereby agree that the SHIP Program funds as allocated in
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Section 420.9073, Florida Statutes, are to be distributed to Collier County to
administer in conformity with the mutually approved Local Housing Assistance
Plan.
2. Unless earlier terminated pursuant to other provisions of this Interlocal
Agreement, the term of this Agreement shall run concurrent with the three-year Local Housing
Assistance Plan (the “LHAP”) which expires June 30, 2022 and will be automatically renewed
with adoption of subsequent LHAPs.
3. The County and City direct the Florida Housing Finance Corporation (the
“Corporation”) to distribute and allocate the SHIP Program funds in accordance with this
Agreement and authorize the Corporation to rely on their stated intent and their authority to
execute this Agreement.
4. The SHIP Program funds so distributed will be deposited in a single depository
trust fund account created and managed by Collier County, Finance Division of the Office of the
Clerk of the Circuit Court. This account shall be known as the Collier County Local Housing
Trust Fund (hereinafter referred to as “Local Fund”), to which SHIP funds are distributed by the
Corporation. The Corporation will be notified of any change in the Local Fund status and the
parties agree to have such Local Fund audited annually as required by Chapter 420, Florida
Statutes and Chapter 67-37, Florida Administrative Code. Since all distributions from the Local
Fund shall be processed by Collier County, parties hereto agree that the Comprehensive Single
Entity Audit of the accounts and records of the County with respect to SHIP revenues and
expenditures shall constitute the audit for the Interlocal Entity as described in the SHIP
Regulations. The parties hereto agree that the Local Fund may be allocated a pro-rata cost of the
independent audit by the County.
5. During the term of this Agreement, both parties agree that they will not do
anything to jeopardize the other party’s right to receive its allocation from the Local Fund.
6. Membership to the Affordable Housing Advisory Committee shall be jointly
appointed by Resolution of both the County and City to triennially prepare a joint Local
Housing Incentive Plan as required by Chapter 420.9076, Florida Statues.
1.A.2
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7. The parties to this Agreement have adopted incentives from the Affordable
Housing Incentive Plan as prepared and submitted by the joint Affordable Housing Advisory
Committee, amending the Local Housing Assistance Plan accordingly. Both parties understand
that Chapter 420, Florida Statutes requires continuing monitoring and implementation of the
Affordable Housing Incentive Plan for the purpose of enhancing and providing affordable
housing and agree to cooperate in ensuring that the requirements and spirit of the Chapter 420,
Florida Statutes is satisfied.
8. Neither party shall use any revenues distributed and allocated for purposes other
than those authorized by Section 420.907 et seq., Florida Statutes, or Chapter 67-37, Florida
Administrative Code.
9. During the term of this Agreement, any party may give the other party ninety
(90) days written notice that it wishes to renegotiate the terms of this Agreement, to be effective
on the first day of the next fiscal year. If the parties fail to reach a new agreement prior to the
commencement of the next fiscal year, this Agreement shall terminate and be of no further force
or effect, and the funds shall be allocated according to population pursuant to Section 420.9072
and Section 420.9073, Florida Statutes.
10. If either party shall cease to be eligible for allocation and distribution, such
party’s allocation of the funds shall remain in the Local Fund to be used by the Corporation.
Both parties acknowledge the SHIP enabling legislation, the rules promulgated to implement
same, and that the Chapter 420, Florida Statutes and Chapter 67-37, Florida Administrative
Code are incorporated herein as if they were restated.
IN WITNESS THEREOF, the parties hereto have caused this Agreement to be
executed by their duly authorized officials.
ATTEST: BOARD OF COUNTY COMMISSIONERS
CRYSTAL K. KINZEL, CLERK OF COLLIER COUNTY, FLORIDA
_____________________________ By: ______________________________
, Deputy Clerk William L. McDaniel, Jr., Chairman
1.A.2
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Approved as to form and
legal sufficiency:
__________________________
Jennifer Belpedio
Assistant County Attorney
1.A.2
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EXHIBIT H.
Collier County
Community and Human Services Division
State Housing Initiatives Partnership Program
SHORT SALE POLICY
Requests for short sale must be approved in advance and in writing by
Collier County Community and Human Services Division. The following
minimum criteria shall apply:
1. The recipient, as seller of the property, shall not receive any
funds from the Short Sale transaction.
2. To facilitate a Short Sale, Collier County shall forgive 70
percent (70%) of the assistance provided based upon the following
table.
PROPOSED SHORT SALE
SETTLEMENT AMOUNT
30% of SHIP Second
Mortgage face value
amount
3. The Collier County Short Sale amount cannot conflict with the
primary mortgage lender Short Sale Agreement.
• If the primary lender rejects the SHIP Proposed Short Sale
Settlement amount, at the discretion of the CHS Director or
his/her designated representative, the settlement amount
may be reduced as appropriate to help facilitate the sale
of the property to avoid the possibility of foreclosure.
In order to determine if a recipient may qualify for Short Sale, the
Division will require the following information:
1. Short Sale Request Form from owner or authorized agent.
2. Evidence of the first mortgage lender’s approval for Short Sale.
3. Copy of signed sales contract or buyer offer sheet.
Following initial review, the Division will advise in writing if the
recipient has been pre-approved for Short Sale. However, the
following documents will be required prior to closing of the Short
Sale and issuance of final approval:
1. Final unsigned Closing Disclosure as prepared for settlement (signed copy to be obtained immediately after
settlement); and
2. Final first mortgage lender Short Sale approval; and
1.A.2
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3. Final signed sales contract; and
4. Name, phone number and email address of closing agent.
Please allow 20 business days for processing from the date the request is submitted to our office. If
approved, the Division will forward the Short Sale Agreement and/or payoff letter to the title
company. If we are unable to approve the request, a denial letter will be issued.
1.A.2
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EMAIL THE SHORT SALE REQUEST FORM ALONG WITH SUPPORTING DOCUMENTS
TO: CollierCountySHIP@colliercountyfl.gov
Collier County
Community and Human Services Division
State Housing Initiatives Partnership Program
SHORT SALE APPLICATION
Recipient(s) name: _________________________________________________________
Property address: _________________________________________________________
_________________________________________________________
First Mortgage Information
First Mortgage Lender:
_________________________________________________________
Principal Balance:
_________________________________________________________
Approved Short Sale Amount:
_________________________________________________________
Net Proceeds to Recipient:
_________________________________________________________
SHIP Second Mortgage Information
SHIP Mortgage Amount:
_________________________________________________________
SHIP File Number:
_________________________________________________________
Date Recorded:
_________________________________________________________
Required Repayment Amount:
_________________________________________________________
1.A.2
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Amount Paid by Lender:
_________________________________________________________
Amount Paid by Other:
_________________________________________________________
Net Proceeds to Recipient:
_________________________________________________________
OFFICE USE ONLY
PRE-APPROVED
DENIED
____________________________ __________
CHS Director Date
1.A.2
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1.A.2
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EXHIBIT J.
Collier County
Community and Human Services Department
SUBORDINATION POLICY
Requests for subordination must be approved in advance by the Community and Human Services
Division (“Division”). We may consider subordinating our loan if the following factors are
present:
The proposed transaction is a rate and term refinance (less than $500.00 to borrower at
closing); and
The new interest rate is a least one percent less than the current interest rate; or any
combination of Interest Rate reduction plus Mortgage Insurance reduction that would be
the equivalent of a one percent interest rate reduction; and
The new principal and interest payment are lower than the current total payment(s) as
evidenced by the Loan Application or Loan Estimate; or if the new monthly payment is
increased due to a reduction to the term of the loan, the Division will determine if the
new payment is reasonable and beneficial to the client; and
The proposed transaction may include the current first mortgage plus other purchase-
related grants and/or financing (i.e., USDA Subsidy, etc.) and
The proposed transaction may also include post-purchase Home Equity Loans or Home
Equity Lines of Credit, provided the Combined Loan-To-Value (CLTV) ratio of the new
mortgage plus the SHIP Second Mortgage does not exceed 80% of the current appraised
value for the subject property. In this instance, the one percent reduction in interest rate
may be waived if the reduction in total payments is beneficial to the client as determined
by the Division; and
Closing costs are reasonable as determined by the Division; and
The proposed transaction does not include a prepayment penalty.
Property being refinanced must be the borrower’s principal residence.
The following documents must be submitted to our office in order to process a subordination
request:
4. Subordination Request form (attached).
5. Signed and executed Loan Estimate; and
6. Signed and executed mortgage/loan application; and
7. Preliminary Closing Disclosures; and
8. Copy of title commitment
9. Copy of Appraisal (if applicable)
Please allow 20 business days for processing from the date the request is submitted to our office.
If approved, the Division will notify the lender and title company to prepare the Subordination
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Agreement. If we are unable to approve the request, a payoff letter will be issued.
EMAIL THE SUBORDINATION REQUEST FORM ALONG WITH THE DOCUMENTS 2-6
TO:
CollierCountySHIP@colliergov.net
For additional questions contact:
Donald Luciano, Grants Coordinator
Phone: 239-252-2509
Email: Donald.Luciano@colliercountyfl.gov
1.A.2
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Subordination Request Form
To be completed by the Financial Institution processing refinance on behalf of clients listed below
Borrower (s) name: ______________________________________________________________
Borrower (s) address: ______________________________________________________________
Financial Institution: ________________________________________________________________________
Address: __________________________________________________________________________________
Email: _______________________________________________Phone: _______________________________
Current Mortgage Information
Principal Balance: ______________________ Interest Rate: ___________________
Monthly Payment (PITI): _______________________ Loan Term: ___________________
New Mortgage Information
Loan Amount: _____________________ Interest Rate: _____________________
Monthly Payment (PITI): _____________________ Loan Term: _____________________
Closing Agent/Title Company Information
Name: ____________________________________________ Contact Person: _________________________
Phone: _____________________ Email Address: _____________________________________
I certify that the above information is correct. I certify that there will be no cash out to the
borrower, and no other unsecured debt will be paid off (i.e., credit cards, automobile loans, etc.).
I understand that the subordination document prepared by Collier County will be invalid if that is
the case.
_________________________________ _________________________________ ____________
Lender/Broker Signature Lender/ Broker Name Printed Date
___________________________________________ _________________________________
Email address Phone
1.A.2
Packet Pg. 83 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
1
AFFORDABLE HOUSING
DEMAND MODEL
METHODOLOGY
Affordable Housing Advisory Committee
Community Stakeholder Committee
Collier County Community and Human Services
Kimberley Grant, Director
February 27, 2018
APPROVED BY BCC 2-27-2018
1.A.2
Packet Pg. 84 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
2
Background and Purpose
Through a cooperative partnership between the Affordable Housing Advisory Committee
(AHAC), Collier County Community and Human Services (CHS) and Comprehensive Planning in
the Growth Management Division, the Housing Element of the Growth Management Plan was
amended during the Evaluation and Appraisal Report in 2012 to require development of a
method of indexing the demand, availability and cost for affordable/workforce housing
throughout the County.
The outcome defined at that time (2012) were to meet the following Goals, Objectives
and Policies of the Housing Element:
Goal 1: To create an adequate supply of decent, safe, sanitary and affordable/workforce housing
for all residents of Collier County.
Objective 1: Provide new affordable housing units in order to meet the current and future
housing needs of legal residents with very low, low and moderate and affordable
workforce incomes, including households with special needs such as rural and
farmworker housing in rural Collier County.
Policy 1.1: The Department of Housing, Human and Veteran Services (now CHS)
shall establish a method of indexing the demand for very low, low, moderate and
affordable workforce housing.
Policy 1.2: The Department of Housing, Human and Veteran Services (now CHS)
shall establish a method of indexing the availability and costs of very low, low,
moderate and affordable workforce housing.
Policy 1.3: The Department of Housing, Human and Veteran Services (now CHS)
shall develop methods to predict future need, based on the Indexes established in
Policies 1.1 and 1.2 above.
Policy 1.4: The Department of Housing, Human and Veteran Services (now CHS)
shall establish necessary strategies, methods and tools to support this Objective.
The previously approved 2015 Housing Index Model was developed to replace the arbitrary
number previously identified in the Housing Element to construct 1,000 affordable/workforce
housing units each year to meet the County’s demand for affordable/workforce housing units.
The 2015 Housing Index Model was based on population projections.
In 2017, Community and Human Services developed a new Housing Demand Model that includes
population, existing housing inventory and the number of cost-burdened households. Based
upon the outcome of the new Housing Demand Model, response strategies have been developed
and presented to the Board of County Commissioners in a Community Housing Plan in October
2017.
1.A.2
Packet Pg. 85 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
3
Updated Housing Demand Model: Population, Existing Supply, and Cost-Burdened
Based
Population, existing housing inventory, and cost burdened households, are the main drivers that
are quantifiable and utilized to project future demand for affordable housing1. The key
secondary factors are area median income, housing prices, persons per household, and the
Housing Opportunity Index. The objective is to create a simple model based on accepted
principles and available and validated data.
The previously approved model was as follows:
Population Based Model Formula
Projected Gross Future Demand
Less:
Available inventory
(owner occupied and rental)
Results in:
Projected Net Future Demand
6
There were shortcomings in this model, however. It did not address the current needs of
residents already over-paying for housing related costs. It assumed all existing residents were
sufficiently housed. Most significantly it did not answer the question of the specific supply and
demand needs by income level.
The following series of charts show the steps in taking the approved model forward to the
updated Housing Demand Model.
1 Affordable Housing Needs Assessment, Population and Household Projection Methodology, Prepared by the
Shimberg Center for Affordable Housing, Rinker School of Building Construction, College of Design, Construction
and Planning, University of Florida, September 2006
1.A.2
Packet Pg. 86 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
4
The first chart takes the initial projection model and stratifies it by income levels.
Next, all by income levels, the model develops the existing inventory, the gross need, the supply,
and identifies the remaining need.
And the chart below elaborates on the existing resources and outlines planning assumptions.
Sources/ Notes:
1. (column #4 & #5)- Assume a 3-person household (Collier County average persons per household = 2.4)
2. (column #6)- Collier County Property Appraiser
3. (column #7)- CHS yearly Collier County Redistricted Affordable Units Monitoring (July 2017)
4. (column #8)- University of Florida Shimberg Center for Affordable Housing- Florida Housing Data Clearinghouse
5. (column #9)- Using Collier County Affordable Housing Demand Methodology Approved 2015, new entrants to county only.
1.A.2
Packet Pg. 87 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
5
6. (column #11)- To determine the current population needs and future populations needs, University of Florida Shimberg Center for Affordable Housing- Florida
Housing Data Clearinghouse
7. (column #12)- NABOR (Naples) and MIAAOR (Marco) Collier County Inventory levels collected from August, 2017; includes Manufactured Homes; NABOR does
not include private sales not approved for sale on the MLS
8. (column #13)- CHS Quarterly Collier County Apartment Survey (July 2017)
9. (column #12 & #13)- While they ARE included in in this analysis, there are 8,514 mobile home units in Collier County, of which 2,076 are located in District 5
(which includes Immokalee). A survey of mobile home parks has determined that the majority of mobile home units in Immokalee are utilized as migrant farm-
worker housing, and many other mobile homes in the urban area of the county are located in age restricted, 55 and over communities. While the number of mobile
homes in Collier County is significant, in total they make up less than 4% of the County’s total housing stock and they are encumbered by other restrictions that
preclude them from serving as housing options for the greater population.
Once the model is in use additional data sources may be explored to continue to refine the
information and provide a current and local viewpoint. All sources will be disclosed when the
information is presented for review and consideration.
Calculation Elements
The 2017 model uses the HUD standard income categories based on AMI2 and assumes
those persons earning 140% of AMI and above can compete in the marketplace for housing.
Therefore, the need for additional affordable/workforce housing will be centered on those
households earning less than 140% of AMI.
The population is projected forward one year at the growth factor used by
Comprehensive Planning in the Growth Management Division (currently 1.02%). Further, for
planning purposes, it is assumed those making less than 80% AMI are in need of rental units, and
those earning more than 80% of AMI could qualify for homeownership and/or rental; with
recognition there are many that cross one way or the other, yet this is a reasonable basis for
planning.
The demand for 2017 is a need for 313 owned units and 1352 rental units. When in
operation, the Board of County Commissioners would be presented annually with the projected
need as well as a set of recommendations to consider in order to meet the future need identified.
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Packet Pg. 88 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
6
Supplemental Information
It is recognized that population changes alone may not determine the need for
affordable/workforce housing. It is commonly held that market conditions and income
conditions greatly impact the availability of housing in general, and more specifically,
affordable/workforce housing.2 Through extensive research and discussion, additional
supplemental data and facts that affect the need for affordable/workforce housing have been
identified. Such factors as the Housing Opportunity Index, cost burdened rates of households,
occupancy rates, and housing prices were examined. When the model is in operation, additional
supplemental information may become available to reference.
The Housing Opportunity Index
The published National Association of Home Builders Wells Fargo Housing Opportunity
Index (HOI) is a very relevant data set to review and consider because it is a reliable indicator of
overall affordability of housing in our community available to the households earning 100% AMI.
This is presented as meeting the requirements under Policy 1.1 and 1.2 noted earlier. As shown
in the graphic illustration below, in simple terms, when income stays the same and the housing
prices go up, affordability is decreased. Due to the nature of the recent drastic housing market
fluctuations, the chart illustrates that following this data on a real-time basis can be an indicator
of demand for and availability of additional affordable/workforce housing units in our
community.
The HOI is defined as the “share of housing sold in the area that would have been
affordable to a family earning local median income based on standard mortgage underwriting
2 Reforming America’s Housing Finance Market, A Report to Congress, US Department of the Treasury and US
Department of Housing and Urban Development, February2011
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Packet Pg. 89 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
7
criteria (assumes 30% of gross income is spent on housing with 10% down payment)”3. For
income, County staff uses the annual median family income estimates for the Naples/Marco
Island Metropolitan Area published by the US Department of Housing and Urban Development
(HUD). If the HOI is over 50, the County is deemed to have sufficient availability for those
households earning 100% of the AMI. Following this is very useful to identify and react to trends.
Cost Burdened Levels
There is information that indicates certain households are “cost burdened”4 or “severely
cost burdened” in our county5. Housing cost burden reflects the percent of income paid for
housing by each household living in a geographic area. Based on recent US Census Bureau
survey’s, the number and percent of households paying more than thirty percent (30%) of their
income for housing are reported for communities with populations of 20,000 or more.
Households spending more than 50 percent are considered to be "severely cost-burdened."
Housing is generally considered to be affordable if the household pays less than 30 percent of
income.6 The below graphic represents the cost burdened situation for Collier County.
16
Spend
30% or
less
Spend
30.1-50%
Spend
more
than 50%
Income Spent
on Housing
*Schimberg 2015 HH projections
31,273 HH,
22%
81,811 HH,
57%
30,245 HH,
21%
3 Source: National Association of Home Builders – Wells Fargo Housing Opportunity Index based on information
provided from sales transaction records from CoreLogic. The data includes information on state, county, date of
sale and sales price of homes sold.
4 HUD defines “cost burdened” as a household paying more than 30% of their annual income for a mortgage
payment.
5 HUD defines “severely cost burdened” as a household paying more than 50% of their annual income for a
mortagepayment
6 Florida Housing Data Clearinghouse, Shimberg Center for Housing Studies, University of Florida derived from
figures produced from University of Florida Bureau of Economic and Business Research
1.A.2
Packet Pg. 90 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Exhibit B
8
As indicated in the following chart, the wages of many workforce positions are
insufficient to afford the rental rates in Collier County.
Annual Wage Range
(Entry to Median)
Median Gross Rent
2015
Median Home
Sales Price
Homes Priced
at 50% of
Median Price
$1,020 / Month $405,000 $200,000
Health Care
Registered Nurses $47,000-$65,000 24% 38% 19%
Medical Assistants $30,000-$35,000 41% 68% 34%
Emergency Technicians $28,000-$36,000 42% 68% 34%
Education
Teachers $44,000-$59,000 28% 50% 25%
Teaching Assistants $22,000-$24,000 45% 101% 51%
Public Safety
Firefighters $39,000-$57,000 29% 43% 21%
Patrol Officers $47,000-$59,000 26% 41% 21%
Service Workers
Maids/Housekeeping $18,000-$22,000 66% 109% 55%
Massage Therapist $26,000-$55,000 37% 44% 22%
Concierges $25,000-$31,000 48% 78% 39%
Entry Level/ Mid Tier Professionals
Human Resources Specialists $35,000-$55,000 31% 45% 22%
Dental Assistants $33,000-$43,000 36% 57% 29%
Administrative Assistants $22,000-$33,000 49% 73% 37%
Responding to the Model and Model Operations
The ultimate objective is to determine whether there is a gap between the need
and availability of housing that is affordable; then determine what actions will be taken to close
the gap. The BCC was presented with a housing plan in October 2017 with a response model.
Staff is in the process of bringing forth those recommendations to the BCC for final adoption.
When adoption is complete, the model can be re-run to show the impact of the adopted
recommendations.
Recommendation
To update the 2015 Housing Demand Model with the addition of the existing housing
inventory, and the percentage of Cost Burdened Households, resulting in the Collier County
Housing Demand Model – October 2017.
1.A.2
Packet Pg. 91 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing Advisory Committee - March 11, 2019)
Cost Burdened By
Income Level & Tenure
Source: University of Florida Shimberg Center for Housing, 2018
1.A.2
Packet Pg. 92 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing
Collier Housing Costs by Income & Tenure
1.A.2
Packet Pg. 93 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing
Collier Housing Costs by Income & Tenure
Remove:
1) Those who are not Cost Burdened
Total Need 58,749
1.A.2
Packet Pg. 94 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing
Collier Housing Costs by Income & Tenure
Remove:
1) Those who are not Cost Burdened
2) Those who are more than Moderate-Income
Total Need 48,336
1.A.2
Packet Pg. 95 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing
Collier Housing Costs by Income & Tenure
Remove:
1) Those who are not Cost Burdened
2) Those who are more than Moderate-Income
3) Those who own their homes
Total Need 20,123
1.A.2
Packet Pg. 96 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing
Collier Housing Costs by Income & Tenure
Remove:
1) Those who are not Cost Burdened
2) Those who are more than Moderate-Income
3) Those who own their homes
4) Those who are not Severely Cost Burdened
Total Need 9,968
1.A.2
Packet Pg. 97 Attachment: AHAC Meeting Agenda - March 11, 2019 (8403 : Affordable Housing