Agenda 04/26/2022 Item #16D 3 (Resolution - SHIP Housing Assistance Plan for FY 2022-2023, 2023-2024 & 2024-2025)04/26/2022
EXECUTIVE SUMMARY
Recommendation to adopt by Resolution, the State Housing Initiatives Partnership Program Local
Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and 2024-2025, sign associated
certifications, reaffirm the Interlocal Agreement with the City of Naples, and authorize submission
to the Florida Housing Finance Corporation. (SHIP Fund 791)
OBJECTIVE: To approve the State Housing Initiatives Partnership (SHIP) Program 2022-2023, 2023-
2024, and 2024-2025 Local Housing Assistance Plan, as required triennially, setting forth the program
operations for this 3-year period.
CONSIDERATIONS: On July 7, 1992, the Florida legislature signed into law the Sadowski Affordable
Housing Act to provide funding to local jurisdictions through a documentary stamp tax on real estate
transactions for the provision of affordable housing. Through the Florida Housing Finance Corporation’s
State Housing Initiatives Partnership Program (SHIP), Collier County and the City of Naples receive
funds to undertake eligible activities as provided by Section 420.9075, F.S. and Chapter 67-377, F.A.C.
These funds are for the provision of housing that is affordable to low- to moderate-income residents of the
community.
Pursuant to Section 420.9075, Florida Statutes and Chapter 67-375(1), F.A.C., Collier County must adopt
a Local Housing Assistance Plan every three (3) years and submit it to the grantor agency, Florida
Housing Finance Corporation, to continue receiving SHIP funds from the documentary surtax collections.
Approval of the Local Housing Assistance Plan (LHAP) and Interlocal Agreement will allow Collier
County to administer funds on behalf of the City of Naples and the County for SHIP eligible activities for
this three-year period.
It is required that a minimum of sixty-five percent (65%) of SHIP funds be spent on homeownership
activities and seventy-five percent (75%) of all funds must be spent on construction activities.
Construction includes rehabilitation undertaken on a home receiving SHIP assistance. The re are eight (8)
strategies in the LHAP designed to meet the statutory requirements and address community needs.
1. Purchase Assistance
2. Owner-Occupied Rehabilitation
3. Demolition & Replacement of Manufactured Housing
4. Disaster Mitigation Assistance
5. New Construction Assistance
6. Rental Rehabilitation
7. Rental Acquisition
8. Rental Development
On April 4, 2022, the Affordable Housing Advisory Committee (AHAC) approved the proposed 2022-
2025 Local Housing Assistance Plan. The LHAP was approved unanimously by the AHAC and provided
to the City of Naples for Naples City Council’s review and consideration at its regular meeting on April 6,
2022. The Naples City Council unanimously approved both the Interlocal Agreement and a Resolution
confirming the adoption of the aforementioned two (2) documents.
On March 28th Community & Human Services (CHS) staff provided Florida Housing Finance
Corporation (FHFC), as part of their courtesy review process, a draft LHAP. A FHFC review committee
convened on April 13, and subsequently provided feedback to CHS on recommended changes to the
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document. The requested revisions to the LHAP are largely immaterial and relate to organization of
information within the document as well as suggested changes for adding clarity. Although the changes to
the LHAP as a result of direction from FHFC have occurred after the City of Naples and AHAC approval,
the changes do not impact the implementation of the identified overall three-year plan, its strategies or
anticipated levels of assistance provided for under those strategies.
The public comment period ended on April 22, 2022. As of the publication of the agenda no comments
have been received. If comments are received after the publication of this item the Board of County
Commissioners (Board) will be notified.
Approval of this item will also authorize the Chairman to sign the Certification to Florida Housing
Finance Corporation, adopt the Resolution and reaffirm the Interlocal Agreement with the City of
Naples. Each document is an exhibit of the Local Housing Assistance Plan.
FISCAL IMPACT: Submission of the Local Housing Assistance Plan allows Collier County to be
eligible to receive SHIP funding. SHIP funds are deposited in SHIP Grant Fund (791).
GROWTH MANAGEMENT IMPACT: The SHIP Local Housing Assistance Plan facilitates efforts to
meet the goals, objectives, and policies set forth in the Housing Element of the Growth Management Plan.
LEGAL CONSIDERATIONS: The proposed Local Housing Assistance Plan meets the requirements of
Part VII of Chapter 420, Florida Statutes. This item is approved for form and legality and requires a
majority vote for Board action. -JAB
RECOMMENDATION: To adopt by Resolution, the State Housing Initiatives Partnership Program
Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and 2024-2025, sign associated
certifications, reaffirm the Interlocal Agreement with the City of Naples, and authorize submission to the
Florida Housing Finance Corporation.
Prepared By: Jacob LaRow, Housing and Grant Development Manager, Community and Human Services
Division
ATTACHMENT(S)
1. Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (PDF)
2. Exhibit A SHIP Budget (PDF)
3. Exhibit B Timeline (PDF)
4. Exhibit C Housing Goals Chart (PDF)
5. Exhibit D Certification (PDF)
6. Exhibit E - LHAP 2022.2025 Resolution CAO Stamped (PDF)
7. Exhibit F Ordinance 2013-27 (PDF)
8. Exhibit G - Interlocal Agreement (PDF)
9. Exhibit H Short Sale Policy (PDF)
10. Exhibit I Essential Personnel Certification (PDF)
11. Exhibit J Subordination Policy (PDF)
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COLLIER COUNTY
Board of County Commissioners
Item Number: 16.D.3
Doc ID: 21576
Item Summary: Recommendation to adopt by Resolution, the State Housing Initiatives
Partnership (SHIP) Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
2024-2025, sign associated certifications, reaffirm the Interlocal Agreement with the City of Naples, and
authorize submission to the Florida Housing Finance Corporation. (SHIP Fund 791)
Meeting Date: 04/26/2022
Prepared by:
Title: – Community & Human Services
Name: Hilary Halford
03/09/2022 11:54 AM
Submitted by:
Title: Manager - Federal/State Grants Operation – Community & Human Services
Name: Kristi Sonntag
03/09/2022 11:54 AM
Approved By:
Review:
Community & Human Services Lisa Carr Additional Reviewer Completed 03/24/2022 4:33 PM
Community & Human Services Jacob LaRow Additional Reviewer Completed 03/31/2022 8:44 AM
Community & Human Services Maggie Lopez Additional Reviewer Completed 03/31/2022 12:01 PM
Community & Human Services Kristi Sonntag CHS Review Completed 04/01/2022 4:07 PM
Operations & Veteran Services Kimberley Grant Additional Reviewer Completed 04/04/2022 11:34 AM
Public Services Department Todd Henry PSD Level 1 Reviewer Completed 04/04/2022 2:06 PM
Grants Erica Robinson Level 2 Grants Review Completed 04/04/2022 2:32 PM
Public Services Department Tanya Williams PSD Department Head Review Completed 04/05/2022 2:29 PM
Office of Management and Budget Debra Windsor Level 3 OMB Gatekeeper Review Completed 04/19/2022 2:35 PM
Growth Management Operations Support Christopher Johnson Additional Reviewer Completed 04/20/2022 7:32 AM
County Attorney's Office Jeffrey A. Klatzkow Level 3 County Attorney's Office Review Completed 04/20/2022 8:34 AM
Grants Geoffrey Willig Additional Reviewer Skipped 04/20/2022 9:15 AM
County Manager's Office Mark Isackson Level 4 County Manager Review Completed 04/20/2022 10:52 AM
Board of County Commissioners Geoffrey Willig Meeting Pending 04/26/2022 9:00 AM
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2022-2023,2023-2024,2024-2025 LHAP
1
Collier County and the City of Naples
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2022-2023, 2023-2024, 2024-2025
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Table of Contents
Description Page #
Section I, Program Details 3
Section II, Housing Strategies 7
A. Purchase Assistance 7
B. Owner-Occupied Rehabilitation 9
C. Demolition and Replacement of Manufactured Housing 11
D. Disaster Assistance 13
E. New Construction Assistance 14
F. Rental Rehabilitation 16
G. Rental Acquisition 18
H. Rental Development 19
Section III, Incentive Strategies 20
A. Expedited Permitting 20
B. Ongoing Review Process 21
C. Other Incentive Strategies Adopted 21
Exhibits 23
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. Short Sale Policy & Short Sale Application.
I. Essential Personnel Certification.
J. Subordination Policy & Subordination Request Form .
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Packet Pg. 915 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
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Section 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: 2022-2023, 2023-2024, 2024-2025
D. Governance: The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and
Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes, rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership: The SHIP Program encourages building active partnerships between government,
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 provide local match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social service
providers and local lenders and neighborhood associations. Public input was solicited through the local
newspaper 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 completed 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.
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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. The following priorities for
funding listed here apply to all strategies unless otherwise stated in an individual strategy in Section II:
RANKING PRIORITY
1. Special Needs Households – Very low, low, and moderate – income households and persons
with special needs as defined in 420.0004 (13)
a) Very low
b) Low
c) Moderate
2. Essential Services Personnel
a) Very Low
b) Low
c) Moderate
3. After Special Needs Set-asides and after ESP applicants
a) Very Low
b) Low
c) 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.
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 average 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
M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program are
updated annually by the Department of Housing and Urban Development and posted at
www.floridahousing.org.
“Affordable” means that monthly rents or mortgage payments including taxes and insurance do not exceed
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30 percent of that amount which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual
household’s ability to devote more than 30% of its income for housing, and housing for which a household
devotes more than 30% of its income shall be deemed Affordable if the first institutional mortgage lender is
satisfied that the household can afford mortgage payments in excess of the 30% benchmark and in the case
of rental housing does not exceed those rental limits adjusted for bedroom size.
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 30 years or the term of assistance
whichever is longer unless as specified above. Eligible sponsors that offer rental housing for sale before 30
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 city/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 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 those 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 Admin. Fee
Percentage
Local Government Collier County Government 10%
Third Party Entity/Sub-recipient
R. First-time Homebuyer Definition: For any strategies designed for first-time homebuyers, the following
definition will apply: An individual who has had no ownership in a principal residence during the 3-year period
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ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are
considered first-time homebuyers). A single parent who has only owned a home with a former spouse while
married. An individual who is a displaced homemaker and has only owned with a spouse. An individual who
has only owned a principal residence not permanently affixed to a permanent foundation in accordance with
applicable regulations. An individual who has only owned a property that was not in compliance with state,
local or model building codes and which cannot be brought into compliance for less than the cost of
constructing a permanent structure.
S. Project Delivery Costs: In addition to the administrative costs listed above, the county or sponsor will charge
no more than 5% percent for project delivery cost to cover inspections and other eligible project delivery
activities performed by the county or non-county employees. The delivery cost will be included in the
maximum award to the applicant. Owner- Occupied Rehabilitation and Rental Rehabilitation will include, but
not limited to, such activities as: Inspections, work write-ups, recording fees, application & processing fees,
development of assessments and cost estimates.
T. Essential Service Personnel Definition (ESP): Collier County defines Essential Service Personnel 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, and government employees.
U. 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:
All housing rehabilitation and new construction will incorporate “green” standards including but not limited
to:
• Appliances replaced or installed shall be Energy Star.
• Doors and/or windows replaced or installed shall be Energy Star; and
• Any lighting fixture replaced or installed shall be Energy Star
Weatherization shall be incorporated into all homes rehabilitated including but not limited to
weatherization of the attic, floor insulation, if appropriate, and sealing of exterior walls. New construction
is presumed to meet the minimum insulation and sealing requirements. Any replaced or new HVAC unit
shall have a SEER rating of at least 14.
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.
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; LED light bulbs; impact resistant
windows and doors.
V. Describe efforts to meet the 20% Special Needs set-aside: Prioritization of funding will include all strategies
for persons with special needs, with an emphasis on rental programs and rehabilitation. Outreach for clients
will include marketing to a variety of agencies, including but not limited to, Agency for Persons with
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Disabilities, United Cerebral Palsy, Residential Options of Florida, Community Assisted and Supported Living,
etc. Additionally, advertisements in publications of general circulation may also be used.
Should efforts to attract special needs clients under the rehabilitation strategy not produce the amount
necessary to reach the set aside, persons meeting the definition of special needs may be assisted with other
approved LHAP strategies and counted towards the set-aside.
W. Describe efforts to reduce homelessness: Collier County supports the Continuum of Care (CoC) efforts to
simplify and broaden outreach and assessment for homeless persons in the 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 Hunger and Homeless Coalition of Collier
County, schools, and other entities that encounter the homeless during service delivery or during their regular
course of business. Needs are assessed during these points of contact, and referrals are made as appropriate
for shelter, food, counseling, or other needs. The County works closely with a variety of agencies and local
resources utilized include federal ESG and the State SHIP funds.
Section II. LHAP Strategies:
A. Purchase Assistance without Rehabilitation Code 2
a. Summary: SHIP funds will be awarded to first-time homebuyers for down payment and
closing costs to purchase a newly constructed or an existing single-family home,
manufactured home, or condominium.
.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award*: Very Low: $60,000 ESP, $50,000 non-ESP
Low: $40,000 ESP, $30,000 non-ESP
Moderate: $30,000 ESP, $20,000 non-ESP
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by a
recorded subordinate mortgage and promissory note.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions have been met, the loan is forgiven entirely at the end of the 30-year
term. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan will be
forgiven.
5. Repayment: Monthly payments are not required
6. Default: 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, and certify that the unit
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assisted will be their primary residence.
In addition to the above, the loan may be determined to be in default if any of the following occurs:
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 Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
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.
f. 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 I, Program Details, of this plan.
g. Sponsor Selection Criteria: N/A
h. Additional Information: Applicants must secure a first mortgage from a licensed mortgage lender.
Other requirements:
1. Manufactured homes constructed June 1994 forward are considered eligible housing pursuant to
Section 420.9071 (9), Florida Statute.
2. 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.
3. A newly constructed home must have received a Certificate of Occupancy within the twelve months
prior to purchase. 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.
4. Refinance may be allowed in accordance with the published “Subordination Policy”.
5. 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.
6. 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.
7. 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.
8. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent residence card.
9. Asset Cap or liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00 upon
completion of their assistance. 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
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Packet Pg. 921 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
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declared disaster.
B. Owner-Occupied Rehabilitation Code 3
a. Summary: SHIP funds will be awarded to households in need of repairs to correct code violations,
health, and safety issues, electrical, plumbing, roofing, windows, other structural items, and
relocation, if necessary. Assistance may include costs related to all eligible repairs, inspections, work
write-ups, recording fees and project delivery fees.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $62, 500 (up to $50,000 for rehabilitation expenses, $2,500.00 project delivery cost and
up to $10,000 for relocation expenses if necessary)
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note or Florida Department of Motor
Vehicle Title.
2. Interest Rate: 0%
3. Years in loan term: 15 years
4. Forgiveness: 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 (15) year the loan is fully forgiven. In cases
where the qualifying homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: 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, and certify that the unit
assisted will be their primary residence.
In addition to the above, 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 Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
If the home is foreclosed on by a superior mortgage holder, the county may attempt to recapture funds through
the legal process if is determined that adequate funds may be available to justify pursuing a repayment.
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f. 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 I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied Rehabilitation to the
County/Sponsor 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 for unit eligibility.
1. Must provide proof of homeowner’s insurance or attestation of no insurance.
2. Property taxes must be current at the time of application and closing. Delinquent property
taxes are a basis for denial.
3. If applicable, must file a claim for and use proceeds from insurance and/or FEMA as first
option.
4. 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 homeowners renting their lot may also apply for assistance.
5. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one
of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent residence
card.
6. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00
upon completion, rehabilitation assistance. 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.
7. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to: homestead exemption, utility bill(s), or driver’s license.
g. Sponsor Selection Criteria: N/A
h. 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. Manufactured homes constructed June 1994 forward are considered
eligible housing pursuant to Section 420.9071 (8), Florida Statute. The repairs must not exceed 90% of the
value of the existing property and residence; and all repairs are within existing codes for the property. For
an owner-occupied mobile or manufactured home on land that is leased, a State of Florida Vehicle
Certificate of Title will list Collier County Board of County Commissioners on the title as the security
interest in the unit.
Homeowners may receive additional Rehabilitation funding provided it has been at least three (3) years
since the last rehabilitation. Disaster related funding is exempt from this restriction.
16.D.3.a
Packet Pg. 923 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
11
C. Demolition and Replacement of Manufactured Housing Code 4
a. Summary: SHIP funds will be awarded to homeowners in need of demolition and replacement of
manufactured housing. This strategy will be used in lieu of rehabilitation when costs to repair the home are
determined to exceed 51% of the home’s value, as determined by the County. The goal is to prevent the
imminent displacement of homeowners due to distressed conditions, encourage revitalization and increase the
supply of safe, decent, and sanitary housing. Awards made under this strategy will not exceed 20% of the
County’s allocation.
The property site must be suitable for demolition/replacement. Loans for assistance may include costs
related to all eligible demolition activities, debris removal, permits, transportation, installation, inspections by
the sponsor, work write-ups, sales tax, recording fees and project delivery fees.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $175,000. (Up to $165,000 for construction, plus up to $10,000 for relocation
expenses)
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by
a recorded subordinate mortgage and note, or if the unit is on leased land, a security instrument in
accordance with the Florida Department of Motor Vehicle will be recorded.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions of the loan are met, one-third of the loan will be forgiven in ten-year
increments so that at the end of the thirtieth year the loan is forgiven. In cases where the qualifying
homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: 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, and certify that the unit
assisted will be their primary residence.
In addition to the above, the loan will be determined to be in default if any of the following occurs
during the Loan term:
i. Sale: if proceeds are not enough to pay off the promissory note then the property owner may
contact the County regarding a settlement amount of the SHIP loan in accordance with the
“Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial sale, levy or
16.D.3.a
Packet Pg. 924 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
12
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, abandoned, leased, or rented.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified, first-served
basis with the priorities for Special Needs, Essential Services Personnel, income groups as described in
Section I, Program Details, of this plan.
g. Sponsor Selection Criteria: N/A
h. Additional Information:
An applicant shall submit a completed application for Demolition and Replacement 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.
1. For manufactured homes not located on a leased or rental land, ownership must be a fee simple
estate at the time of closing with the name of the applicants on the title.
2. Property taxes must be current at the time of application and closing. Delinquent property taxes are
a basis for denial.
3. The value after replacement may not exceed the SHIP maximum allowable purchase price for existing
homes.
4. The replacement housing shall be consistent with the character of the household, neighborhood, and
area wide market conditions. The homeowner may choose the most suitable replacement housing to
meet their needs.
5. The existing home must be damaged or in disrepair to the extent that the home is condemned by
Collier County Growth Management Department, the Department of Health, or the County’s third-
party inspector/general contractor.
6. Must provide proof of homeowner’s insurance or attestation of no insurance.
7. If applicable, must file a claim for and use proceeds from insurance as first option.
8. If applicable, must complete an FHFC approved “Disaster Self-Declaration of Income” form.
9. 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 homeowners renting their lot may also apply for assistance.
10. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent resident card.
11. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00 upon
completion of the demolition and replacement assistance. This asset cap applies to all SHIP
strategies. However, the Board of County Commissioners will have the authority to suspend the asset
16.D.3.a
Packet Pg. 925 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
13
cap/liquid assets in determining income qualifications during recovery from a declared disaster.
12. Primary Residence: Documentation used for verification of primary residence includes, but is not
limited to homestead exemption, utility bill(s), or driver’s license.
Additional SHIP funds can be used to bring building site and improvements up to Local, State, and Federal
requirements, Homeowner’s Association by-laws, and/or to adequately replace the amenities of the
existing home. These additional site improvement costs may include, but are not limited to geotechnical
surveys, engineering, concrete pilings/piers, septic system improvements, fill, sod, driveways, storage
sheds and any other requirements as noted above.
D. Disaster Assistance Code 5 & 16
a. Summary: Disaster Assistance aids households in incorporated or unincorporated Collier County in
the aftermath of a disaster as declared by the President of the United States or Governor of the State of
Florida. This strategy will only be funded and implemented in the event of a disaster using any funds that
have not yet been encumbered or with additional disaster funds allocated by Florida Housing Finance
Corporation. SHIP disaster funds may be used for items such as, but not limited to:
(a) Purchase of emergency supplies for eligible households to weatherproof damaged homes.
(b) Interim repairs to avoid further damage; tree and debris removal required to make the individual
housing unit habitable.
(c) Construction of wells and septic or repair of existing wells where public water is not available.
(d) Payment of insurance deductibles for rehabilitation of homes covered under homeowners’ insurance
policies.
(e) Security deposit for eligible recipients that have been displaced from their homes due to a disaster
(f) Rental assistance for eligible recipients that have been displaced from their homes due to a disaster.
(g) Temporary rent and utility payments for up to 12 months for tenants financially impacted by a disaster.
(h) Temporary mortgage and utility payments for up to 12 months for homeowners financially impacted by
a disaster and foreclosure prevention and counseling.
(i) Relocation and moving expenses, if necessary.
(j) Strategies included in the approved LHAP that benefit applicants directly affected by the declared
disaster.
(k) Other activities as proposed by the county and approved by Florida Housing.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $20,000.
e. Terms:
1. Grant: Funds will be awarded as a grant with no recapture terms.
The terms of an award under other strategies, if used in conjunction, will apply to the other
strategies.
2. Interest Rate: N/A
16.D.3.a
Packet Pg. 926 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
14
3. Years in loan term: N/A
4. Forgiveness: N/A
5. Default: N/A
f. Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-served basis with the
following additional requirements:
1. Must provide proof of homeowner’s insurance or attestation of no insurance, if applicable.
2. If applicable, homeowners must file a claim for and use proceeds from insurance and/or
FEMA as first option.
3. Must complete an FHFC 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 homeowners renting their lot may also apply for assistance.
4. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one
of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent resident
card.
5. Primary Residence: Documentation used for verification of primary residence includes, but is
not limited to lease, paystubs, homestead exemption, utility bill(s), or driver’s license.
g. Sponsor Selection Criteria: N/A.
h. Additional Information: Residents using this strategy during a disaster are required to submit lease
agreements, mortgage statements, past due notices or proper invoices and receipts as applicable for each
approved disaster activity above. Mortgage, Rent, Utility and Counseling payments will be made directly
to a landlord, financial institution, utility company or contracted community partner. Reimbursement for
other Disaster Assistance expenses will require invoices and paid receipts, proof of insurance deductible
and proof of FEMA funds, as appropriate. Payments will be made to the service provider, community
partner, or resident. Manufactured homes constructed June 1994 forward are considered eligible housing
pursuant to Section 420.9071 (8), Florida Statute. Residents 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.
E. New Construction Assistance Code 10
a. Summary: SHIP funds may be provided to organizations to be used for costs including, but limited to,
land acquisition, infrastructure, landscape and development costs, and all associated fees and permits
for single-family housing for resale to eligible home buyers in incorporated or unincorporated Collier
County. The units may be constructed on infill lots or as a part of a larger development. The funds
awarded to the Sponsor will be passed through to the eligible buyer as down payment assistance.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
16.D.3.a
Packet Pg. 927 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
15
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award (per unit for Sponsor and buyer):
Very Low: $60,000 ESP, $50,000 non-ESP
Low: $40,000 ESP, $30,000 non-ESP
Moderate: $30,000 ESP, $20,000 non-ESP
e. Terms: - For the Sponsor:
1. Repayment loan/grant: Deferred Loan secured by a note and mortgage.
2. Interest Rate: 0%
3. Years in loan term for Sponsor: 3 years
4. Forgiveness: The Sponsor’s obligation is forgiven upon successful sale of the unit to an eligible
homebuyer with the benefit being passed to the buyer in the form of a reduced sales price or a seller’s
credit.
5. Repayment: No monthly payments are required.
6. Default: 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 into, the entire amount is due and payable to
the County.
Terms - For the Eligible Homebuyer:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by a
recorded subordinate mortgage and promissory note.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years. In cases where
the qualifying homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayments: No monthly payments are required.
6. Default: The loan will be determined to be in default and due and payable 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, and certify that
the unit assisted will be their primary residence.
In addition to the above, the loan may be determined to be in default if any of the following occurs:
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 in accordance with the
“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 Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The county reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
16.D.3.a
Packet Pg. 928 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
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f. Home Buyer Selection Criteria- Sponsor 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.
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.
1. Applicants must complete a HUD approved Homebuyer Education Program and provide a copy of the
certification to the Sponsor prior to closing on a property. The certificate must be dated prior to the
SHIP award date and be good through closing.
2. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent resident card.
3. Asset Cap or Liquid Assets: All beneficiaries will be limited to a cash or liquid asset of $30,000.00 upon
completion of their new construction assistance. 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.
g. Sponsor Selection Criteria – The County will issue notice of an ongoing Application for Construction
Assistance from non-profit/for profit organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor 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
h. Additional Information: N/A
F. Rental Rehabilitation Code 14
16.D.3.a
Packet Pg. 929 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
17
a. Summary: The program is designed to rehabilitate rental units in Collier County. 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. Assistance may be provided for large projects involving the repair of multiple rental units.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $500,000 per property. Maximum per unit award amount is $30,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage, promissory note, and a land use restriction agreement placed on the property being
rehabilitated.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met the loan is forgiven at the end of the 30th year.
6. Default: Loan default will be triggered by any of the following actions:
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. Change in use - Property no longer serves the intended population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
g. Tenant Selection Criteria: Units receiving assistance must be reserved on a first-qualified, first-served
basis for income eligible residents.
h. Sponsor Selection Criteria: Non-profit/for-profit housing 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
16.D.3.a
Packet Pg. 930 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
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• Capacity and experience
• Project feasibility
• Adherence to SHIP eligibilities/requirements
• Past performance evaluation
i. Additional Information: Once the improvements are completed, the sponsor/landlord shall ensure all
eligible tenants who occupy the units on subject property, will be income qualified during the thirty (30)
year loan term.
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.
G. Rental Acquisition Code 20
a. Summary: The program is designed to acquire rental units within Collier County. The
sponsor must purchase units in Collier County to create rental opportunities for very-low, low, and
moderate income tenants and Special Needs households as defined in 420.0004 (13).
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $500,000 per property
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage, promissory note, and land use restriction agreement placed on the property acquired.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years.
6. Default: 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.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
16.D.3.a
Packet Pg. 931 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
19
g. Tenant Selection Criteria: Tenants will be selected on a first-qualified, first-served basis.
h. Sponsor Selection Criteria: Non-profit/for profit housing 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
i. Additional Information: Once the acquisition is completed, the sponsor shall ensure all eligible tenants
who occupy the units on subject property, will be income qualified on an annual basis during the twenty-
year loan term.
H. Rental Development Code 21
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: 1. The applicable dollar figure as determined annually by the Florida Housing
Finance Corporation for match contribution per developer whose application is
approved through the Florida Housing Finance Corporation for low-income
housing tax credits.
2. $500,000 per development under 50 units
3. $1,000,000 per development with 50 units or less, that includes at
least 20% Special Needs units.
4. $1,500,000 per development with over 50 units
e. Terms:
a. Summary: Funds will be awarded to developers of affordable rental units for construction and land
acquisition 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 financing.
16.D.3.a
Packet Pg. 932 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
20
1. Repayment loan/deferred loan/grant: For-profit developers, funds will be awarded as a loan secured
by a recorded subordinate mortgage, promissory note, and land use restriction agreement, against
the property.
For non-profit developers, funds will be awarded as a forgivable loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the property.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness:
i. For for-profit developers, 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-profit developers, one-third of the principal loan balance is forgiven every ten years
through the thirty (30) year term.
5. Repayment: Monthly payments are not required.
6. Default: For all awards, the outstanding balance will be due and payable, and a default will be
determined if any of the following occurs:
i. Sale: if proceeds are not enough to pay off the promissory 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 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.
Repaid funds are considered program income, a portion of which may be used for program administration.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
g. Tenant 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 for the development and will
be served on a first-qualified basis.
h. Sponsor Selection Criteria: Sponsors will apply to the County through an application or solicitation
process. The application/solicitation will require proof of developer experience in providing affordable
rental housing, proof of financial capacity, proof of ability to proceed once all funding is closed, and an
approved 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.
16.D.3.a
Packet Pg. 933 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
21
i. Additional Information: Sponsors will be required to meet compliance reporting requirements on the
development necessary to meet the statutory requirements for monitoring of SHIP rental units.
Section 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. Expedited Permitting, or Fast Track, was
amended via Resolution 2018-40.
Initially, a qualification meeting is held with the developer/agent and Community and Human Services
(CHS) staff to determine if the project meets the affordable housing requirements outlined in Res. 18-40.
Those projects that demonstrate compliance are issued a certificate of affordable housing to allow the
expedited review process for all aspects of the development. Planning and Zoning staff 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 identified in the
executive summary. The executive summary must be prepared in official County format and include a
description of the Growth Management Impact and the Fiscal Impact.
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 Land Development
Code, § 2.06.00. Improvements to the Affordable Housing Density Bonus (AHDB) program were
approved via Ordinance 2019-02.
16.D.3.a
Packet Pg. 934 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
22
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 (Housing Trust 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.
There are currently two County-owned parcels of land (Bembridge and the Golden Gate Golf
Course) that are slated for future development of housing that is affordable in Collier County in
2022 and 2023.
16.D.3.a
Packet Pg. 935 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
2022-2023,2023-2024,2024-2025 LHAP
23
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. Short Sale Policy & Short Sale Application
I. Essential Personnel Certification.
J. Subordination Policy & Subordination Request Form .
16.D.3.a
Packet Pg. 936 Attachment: Collier County- City of Naples Local Housing Assistance Plan 2022-2025 (21576 : SHIP Program Local Housing Assistance Plan
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR Exhibit A
Exhibit A (2022)
Estimated SHIP Funds for Fiscal Year:3,678,139.00$
Salaries and Benefits 309,784.90$
Office Supplies and Equipment 4,605.00$
Travel Per diem Workshops, etc.9,211.00$
Advertising 2,763.00$
Other*41,450.00$
Total 367,813.90$
Admin % 10.00%
OK
Estimated SHIP Funds for Fiscal Year:3,862,045.95$
Salaries and Benefits 325,275.60$
Office Supplies and Equipment 4,835.00$
Travel Per diem Workshops, etc.9,671.00$
Advertising 2,901.00$
Other*43,522.00$
Total 386,204.60$
Admin % 10.00%
Over Budget
Estimated SHIP Funds for Fiscal Year:4,055,148.25$
Salaries and Benefits 341,538.83$
Office Supplies and Equipment 5,077.00$
Travel Per diem Workshops, etc.10,155.00$
Advertising 3,046.00$
Other*45,698.00$
Total 405,514.83$
Admin % 10.00%
Over Budget
*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: Postage, Recording Fees, Other Contractors, Fleet Maintenance
Fiscal Year: 2022-2023
Fiscal Year 2023-2024
Fiscal Year 2024-2025
Collier County
16.D.3.b
Packet Pg. 937 Attachment: Exhibit A SHIP Budget (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and 2024-
2022
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 Interim
Report
Closeout
Report
2022-2023 6/30/2024 6/30/2025 9/15/2024 9/15/2025
2023-2024 6/30/2025 6/30/2026 9/15/2025 9/15/2026
2024-2025 6/30/2026 6/30/2027 9/15/2026 9/15/2027
If funds allocated for these fiscal years is not anticipated to meet expenditure deadlines, Florida Housing
Finance Corporation will be notified according to the following chart:
Fiscal Year Funds Not
Expended
Closeout AR
Not
Submitted
2022-2023 3/30/2025 6/15/2025
2023-2024 3/30/2026 6/15/2026
2024-2025 3/30/2027 6/15/2027
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 cameka.gardner@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
cameka.gardner@floridahousing.org when you are ready to “submit” the AR.
Other Key Deadlines:
AHAC reports are now due annually by December 31. Local governments receiving the minimum (or less)
allocation may choose not to report.
16.D.3.c
Packet Pg. 938 Attachment: Exhibit B Timeline (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and 2024-2025)
Strategies
Homeownership
1 & 2 Purchase Assistance No 0 $60,000 0 $40,000 0 $30,000 $0.00 $0.00 $0.00 0
3 Owner-Occupied Rehabilitation Yes 5 $62,500 6 $62,500 2 $62,500 $812,500.00 $0.00 $812,500.00 13
4 Demo/Replace Yes 4 $175,000 3 $175,000 1 $175,000 $1,400,000.00 $0.00 $1,400,000.00 8
5 & 16 Disaster Assistance Yes 0 $20,000 0 $20,000 0 $20,000 $0.00 $0.00 $0.00 0
10 Construction Assistance Yes 6 $60,000 4 $40,000 2 $30,000 $580,000.00 $0.00 $580,000.00 12
$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 15 13 5 $2,792,500.00 $0.00 $2,792,500.00 33
New $ 402,710 Existing $ 402,710
14 &
21 Rental Rehabilitation Yes 0 $500,000 0 $500,000 0 $500,000 $0.00 $0.00 $0.00 0
20 Rental Acquisition No 0 $500,000 1 $500,000 0 $500,000 $0.00 $500,000.00 $500,000.00 1
21 Rental Development No 0 $1,500,000 0 $1,500,000 0 $1,500,000 $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
Total Rental 0 1 0 $0.00 $500,000.00 $500,000.00 1
Administration Fees Yes
Home Ownership Counseling No
Total All Funds
$ 1,372,500 37.3%
$ 1,060,000 28.8%
$ 360,000 9.8%
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
Moderate Income
Homeownership % (65% requirement)75.9%OK
Rental Restriction (25%)13.6%OK
$ 3,660,314
Set-Asides
Percentage Construction/Rehab (75% requirement)75.9%OK
OK
Units
$ 367,814 10%OK
Construction Without
Construction Total
$ -
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 2021
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2022-2023
Estimated Funds (Anticipated allocation only):$3,678,139.00
Name of Local Government: Collier County
UnitsCodeQualifies for
75% set-aside VLI Units Construction Without
Construction TotalMax. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
16.D.3.d
Packet Pg. 939 Attachment: Exhibit C Housing Goals Chart (21576 : SHIP Program Local Housing Assistance Plan for
Strategies
Homeownership
1 & 2 Purchase Assistance No 1 $60,000 2 $40,000 4 $30,000 $0.00 $260,000.00 $260,000.00 7
3 Owner-Occupied Rehabilitation Yes 6 $62,500 7 $62,500 2 $62,500 $937,500.00 $0.00 $937,500.00 15
4 Demo/Replace Yes 3 $175,000 3 $175,000 1 $175,000 $1,225,000.00 $0.00 $1,225,000.00 7
5 & 16 Disaster Assistance Yes 0 $20,000 0 $20,000 0 $20,000 $0.00 $0.00 $0.00 0
10 Construction Assistance Yes 4 $60,000 4 $40,000 5 $30,000 $550,000.00 $0.00 $550,000.00 13
$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 14 16 12 $2,712,500.00 $260,000.00 $2,972,500.00 42
New $ 402,710 Existing $ 402,710
14 &
21 Rental Rehabilitation Yes 1 $500,000 0 $500,000 0 $500,000 $500,000.00 $0.00 $500,000.00 1
20 Rental Acquisition No 0 $500,000 0 $500,000 0 $500,000 $0.00 $0.00 $0.00 0
21 Rental Development No 0 $1,500,000 0 $1,500,000 0 $1,500,000 $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
Total Rental 1 0 0 $500,000.00 $0.00 $500,000.00 1
Administration Fees Yes
Home Ownership Counseling No
Total All Funds
$ 1,700,000 44.0%
$ 1,202,500 31.1%
$ 570,000 14.8%
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
Moderate Income
Homeownership % (65% requirement)77.0%OK
Rental Restriction (25%)12.9%OK
$ 3,858,705
Set-Asides
Percentage Construction/Rehab (75% requirement)83.2%OK
OK
Units
$ 386,205 10%OK
Construction Without
Construction Total
$ -
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 2021
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2023-2024
Estimated Funds (Anticipated allocation only):$3,862,045.95
UnitsCodeQualifies for
75% set-aside VLI Units Construction Without
Construction TotalMax. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
16.D.3.d
Packet Pg. 940 Attachment: Exhibit C Housing Goals Chart (21576 : SHIP Program Local Housing Assistance Plan for
Strategies
Homeownership
1 & 2 Purchase Assistance No 0 $60,000 0 $40,000 0 $30,000 $0.00 $0.00 $0.00 0
3 Owner-Occupied Rehabilitation Yes 7 $62,500 7 $62,500 3 $62,500 $1,062,500.00 $0.00 $1,062,500.00 17
4 Demo/Replace Yes 3 $175,000 2 $175,000 0 $175,000 $875,000.00 $0.00 $875,000.00 5
5 & 16 Disaster Assistance Yes 0 $20,000 0 $20,000 0 $20,000 $0.00 $0.00 $0.00 0
10 Construction Assistance Yes 6 $60,000 7 $40,000 2 $30,000 $700,000.00 $0.00 $700,000.00 15
$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 16 16 5 $2,637,500.00 $0.00 $2,637,500.00 37
New $ 402,710 Existing $ 402,710
14 &
21 Rental Rehabilitation Yes 2 $500,000 0 $500,000 0 $500,000 $1,000,000.00 $0.00 $1,000,000.00 2
20 Rental Acquisition No 0 $500,000 0 $500,000 0 $500,000 $0.00 $0.00 $0.00 0
21 Rental Development No 0 $1,500,000 0 $1,500,000 0 $1,500,000 $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
Total Rental 2 0 0 $1,000,000.00 $0.00 $1,000,000.00 2
Administration Fees Yes
Home Ownership Counseling No
Total All Funds
$ 2,322,500 57.3%
$ 1,067,500 26.3%
$ 247,500 6.1%
Units
$ 405,515 10%
$ 4,043,015
OK
$ -
LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award Construction Without
Construction
Max. SHIP
Award
OK
Total
Set-Asides
Percentage Construction/Rehab (75% requirement)89.7%OK
Moderate Income
Homeownership % (65% requirement)65.0%OK
Rental Restriction (25%)24.7%OK
Very-Low Income (30% requirement)OK
Low Income (30% requirement)OK
OK OK
Purchase Price Limits:
Code Rental Qualifies for
75% set-aside VLI Units
LHAP Exhibt C 2021
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2024-2025
Estimated Funds (Anticipated allocation only):$4,055,148.25
Name of Local Government:
UnitsCodeQualifies for
75% set-aside VLI Units Construction Without
Construction TotalMax. SHIP
Award LI Units Max. SHIP
Award
Mod
Units
Max. SHIP
Award
16.D.3.d
Packet Pg. 941 Attachment: Exhibit C Housing Goals Chart (21576 : SHIP Program Local Housing Assistance Plan for
Exhibit D
67-37.005(1), F.A.C.
2022
.
1
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity:
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 ensure 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.
COLLIER COUNTY/CITY OF NAPLES
16.D.3.e
Packet Pg. 942 Attachment: Exhibit D Certification (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and 2024-
Exhibit D
67-37.005(1), F.A.C.
2022
.
2
(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 of the CAFR or a
hyperlink 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).
__________________________________ _______________________________________
Witness Chief Elected Official or designee
__________________________________ _______________________________________
Witness Type Name and Title
__________________________________
Date
OR
___________________________________
Attest: (Seal)
16.D.3.e
Packet Pg. 943 Attachment: Exhibit D Certification (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and 2024-
16.D.3.fPacket Pg. 944Attachment: Exhibit E - LHAP 2022.2025 Resolution CAO Stamped (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-
16.D.3.fPacket Pg. 945Attachment: Exhibit E - LHAP 2022.2025 Resolution CAO Stamped (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-
11 U 11 11
ORDINANCE NO. 2013 - 27
By
AN ORDINANCE OF THE BOARD OF COUNTY COMMISSIONERS
OF COLLIER COUNTY, FLORIDA, ESTABLISHING THE COLLIER
COUNTY SHIP LOCAL HOUSING ASSISTANCE PROGRAM
ORDINANCE; PROVIDING FOR TITLE AND CITATION; PROVIDING
FOR DEFINITIONS; PROVIDING FOR ESTABLISHMENT OF THE
LOCAL HOUSING ASSISTANCE PROGRAM; PROVIDING FOR
ESTABLISHMENT OF A LOCAL HOUSING ASSISTANCE TRUST
FUND; PROVIDING FOR DESIGNATION OF RESPONSIBILITY FOR
IMPLEMENTATION; PROVIDING FOR ESTABLISHMENT OF AN
AFFORDABLE HOUSING ADVISORY COMMITTEE; PROVIDING
FOR REPEAL OF ORDINANCE NO. 93-19, AS AMENDED;
PROVIDING FOR THE REPEAL OF ORDINANCE NO. 91-65, AS
AMENDED; PROVIDING FOR INCLUSION IN THE CODE OF LAWS
AND ORDINANCES; PROVIDING FOR CONFLICT AND
SEVERABILITY; AND PROVIDING FOR AN EFFECTIVE DATE.
WHEREAS, in 1992, the Legislature of the State of Florida approved ttacrEwski
r ,
Affordable Housing Act creating the State Housing Initiatives Partnership ("SHIP"r";gri foM
the specific purpose of supporting and expanding the availability of affordable housr`resr rceo---
within the State; and v ffi" 1
r°-
WHEREAS, the Collier County Board of County Commissioners (Bo.:.4 a4pted
Ordinance No. 93-19 on April 13, 1993, creating a local housing assistance mist`
establishing a local housing assistance program, designating responsibility for the program, and
creating an Affordable Housing Advisory Committee; and
WHEREAS, on July 23, 1991, the Board of County Commissioners adopted Ordinance
No. 91-65, establishing the Collier County Affordable Housing Commission (now known as the
Affordable Housing Advisory Committee), which Ordinance was subsequently amended by
Ordinance Nos. 04-77, 05-69, 08-17, and 09-50; and
WHEREAS, the Board has determined that it is in the best interest of the County to
repeal Ordinance No. 93-19, as amended, and Ordinance No. 91-65, as amended, in order to
adopt a single consolidated Ordinance to comply with the requirements set forth in Florida
Statutes, Sections 420.907- 420.9070 and Chapter 67-37, Florida Administrative Code.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
16.D.3.g
Packet Pg. 946 Attachment: Exhibit F Ordinance 2013-27 (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
NOW, THEREFORE, BE IT ORDAINED BY THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA, that:
SECTION ONE: Title and Citation.
This Ordinance shall be known and cited as the "Collier County SHIP Local Housing
Assistance Program Ordinance".
SECTION TWO: Definitions.
For the purposes of this Ordinance, the definitions contained in Florida Statutes, Chapter
420.9071 and Rule 67-37.002, Florida Administrative Code, as they may be amended or replaced
from time to time, are adopted herein by reference.
SECTION THREE: Establishment of the Local Housing Assistance Program.
The Local Housing Assistance Program is hereby created and established to implement
the requirements of Florida Statutes, Section 420.907 and Rule 67-37, Florida Administrative
Code, adopted herein by reference, as they may be amended or replaced from time to time.
The County shall implement the program within the unincorporated boundaries of Collier
County and may enter into an interlocal agreement with municipalities. The strategies of the
program will be set forth in the County's SHIP local housing assistance plan.
SECTION FOUR:Establishment of a Local Housing Assistance Trust Fund.
Pursuant to the requirements Section 420.907 Florida Statutes, the County hereby
reaffirms establishment of a Local Housing Assistance Trust Fund within the official and fiscal
accounting office of the County as originally established on April 13, 1993, by Ordinance No.
93-19. The County's local housing assistance trust fund shall be separately stated as a special
revenue fund in the county's audited financial statements. Copies of such audited financial
statements shall be forwarded to the Florida Housing Finance Agency.
All moneys received from the state pursuant to the State Housing Initiative Partnership
SHIP] Program and any other funds received or budgeted to provide funding for the Local
Housing Assistance Program shall be deposited into the Collier County Local Housing
Assistance Trust Fund.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
16.D.3.g
Packet Pg. 947 Attachment: Exhibit F Ordinance 2013-27 (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
SECTION FIVE:Designation of responsibility for implementation.
The Director of the County's Department of Housing, Human and Veterans Services shall
be primarily responsible for implementation and administration of the local housing assistance
program.
SECTION SIX:Establishment of an Affordable Housing Advisory Committee.
The Affordable Housing Advisory Committee is created and established in accordance
with Florida Statutes, Section 420.9076 and County Ordinance No. 01-55, Standards for The
Creation and Review of Boards. In the event of a conflict, the provisions of Florida Statutes,
Section 420.9076 shall apply.
Duties of the advisory committee are provided in Florida Statutes, Section
420.9076(2)(a) - (k) adopted herein by reference, as they may be amended or replaced from time
to time.
Appointments to the Affordable Housing Advisory Committee will be made in
accordance with the membership requirements of Florida Statutes, Section 420.9076, including
joint appointments to prepare a joint plan when a participating municipality enters into an
interlocal agreement to administer its program.
The committee shall consist of eleven (11) members as required by Florida Statutes
420.9076 (2)(a)-(k), appointed by Resolution of the Board of County Commissioners no later
than March 2, prior to the year the Local Housing Assistance Plan is due. The term of service
shall be for three (3) years or at the discretion of the Board. Terms may be extended for one
additional three (3) year term.
Six (6) members shall constitute a quorum sufficient to permit the committee to take any
formal action. However, if formal action is not taken, the committee may meet to hear
presentations with less than a quorum in attendance, if the meeting is duly noticed.
A majority of concurring votes of the entire membership of the committee shall be
necessary for a decision or recommendation by the committee.
The committee may elect a chairperson or presiding officer.
The committee members serving immediately prior to this Ordinance's adoption shall
fulfill the remainder of their appointed terms.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
16.D.3.g
Packet Pg. 948 Attachment: Exhibit F Ordinance 2013-27 (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
The committee shall meet at least triennially and submit a report to the local governing
body that includes recommendations on, and triennially thereafter evaluates the implementation
of, affordable housing incentives as required by Florida Statutes, Section 420.9076(4)(a) - (k).
The Board of County Commissioners may sunset or suspend meetings of the committee
upon submission of the triennial Incentive Report and reconvene no later than March 2 of the
year the Incentive Report is due. The committee will be cooperatively staffed by Housing,
Human and Veterans Services Department and Planning and Zoning Department staff in
accordance with Florida Statutes, Section 420.9076(9).
SECTION SEVEN: Repeal of Ordinance No. 93-19, as amended.
Ordinance No. 93-19, pertaining to the Collier County Housing Initiatives Partnership
Program, and all amendments thereto, is hereby repealed in its entirety.
SECTION EIGHT: Repeal of Ordinance No. 91-65, as amended.
Ordinance No. 91-65, pertaining to the Affordable Housing Committee, and all
amendments thereto, is hereby repealed in its entirety.
SECTION NINE: Inclusion in the Code of Laws and Ordinances.
The provisions of this Ordinance shall become and be made a part of the Code of
Ordinances of Collier County, Florida. The sections of this Ordinance may be renumbered or
re-lettered to accomplish such, and that the word "ordinance" may be changed to "section,"
article," or other appropriate word or phrase necessary to accomplish such intentions.
SECTION TEN: Conflict and Severability.
In the event this Ordinance conflicts with any other Ordinance of Collier County or
other applicable law, deemed a separate, distinct and independent provision and such holding
shall not affect the validity of the remaining portion.
SECTION ELEVEN:Effective date.
This Ordinance shall become effective thirty (30) days after its adoption by the Board
of County Commissioners.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
16.D.3.g
Packet Pg. 949 Attachment: Exhibit F Ordinance 2013-27 (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
PASSED AND DULY ADOPTED by the Board of County Commissioners of Collier
County, Florida, this n day of apAL. , 2013.
ATTEST:. BOARD OF COUNTY COMMISSIONERS
DWIGH' p4RPCK, CLERK COL ' CO QTY, FLORIDA
exttgAk Aw144 0 L • By
a,, puty Clerk eorgia A. Hiller, Esq.
Y,
Chairwoman
Appt'oved' s (Armm
and legal sufficiency:
Je fer B. White
Assistant County Attorney 1,-,\.fr-) \\3)
This ordinance filed with the
Mof S ate ff a the
day of_
and acknowledgem • at
tiro. eived soy
o' 0,40
By Ilk'
oz.
2013 Collier County SHIP Local Housing Assistance Program Ordinance
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Packet Pg. 950 Attachment: Exhibit F Ordinance 2013-27 (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
STATE OF FLORIDA)
COUNTY OF COLLIER)
I , DWIGHT E. BROCK, Clerk of Courts in and for the
Twentieth Judicial Circuit, Collier County, Florida, do
hereby certify that the foregoing is a true and correct
copy of :
ORDINANCE 2013-27
which was adopted by the Board of County Commissioners
on the 9th day of April, 2013, during Regular Session.
WITNESS my hand and the official seal of the Board of
County Commissioners of Collier County, Florida, this 15th
day of April , 2013 .
DWIGHT E. BROCK
Clerk of Courts- and' Clerk .
Ex-officio to Boak;i of., ;
County Commissi6rier'9-
OWItt
By: Ann nejohn,
Deputy Clerk
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Packet Pg. 951 Attachment: Exhibit F Ordinance 2013-27 (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
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Packet Pg. 952 Attachment: Exhibit G - Interlocal Agreement (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
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Packet Pg. 953 Attachment: Exhibit G - Interlocal Agreement (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
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Packet Pg. 954 Attachment: Exhibit G - Interlocal Agreement (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
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Packet Pg. 955 Attachment: Exhibit G - Interlocal Agreement (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
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
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.
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Packet Pg. 956 Attachment: Exhibit H Short Sale Policy (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
EXHIBIT H
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: _________________________________________________________
Amount Paid by Lender: _________________________________________________________
Amount Paid by Other: _________________________________________________________
Net Proceeds to Recipient: _________________________________________________________
OFFICE USE ONLY
PRE-APPROVED
DENIED
____________________________ __________
CHS Director Date
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Packet Pg. 957 Attachment: Exhibit H Short Sale Policy (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
1
Exhibit I
ESSENTIAL PERSONNEL CERTIFICATION
Collier County Purchase Assistance Program recipients must have evidence of employment status
in a specific field before they may be approved for additional funding in the program. Please
certify which category the below named person’s employment falls under.
Employee Name:
Position Title:
I certify that to the best of my knowledge the above-named applicant is a;
Teacher and Educators, other school district, community college, university employees
Local Government Employees
Healthcare Personnel and Government Employees
Health care personnel (HCP) are persons who have special education on health care and who are directly related
to provision of health care services. HCP includes all paid and unpaid persons working in health-care settings.
Physicians, nurses, nursing assistants, therapists, technicians, emergency medical service personnel, dental
personnel, pharmacists, laboratory personnel, autopsy personnel who are employed with health-care facility
will fall under HCP category.
Teacher and Educators, other school district, community college, university employees
A teacher or educator, employed by a county/city school district, private or public college/university or
technical school/institute.
Skilled Building Trade Personnel
Common skilled trade careers include machinist, tool designer, fabricator, production technician, carpenter,
mason, plumber, pipefitter, steamfitter, electrician, painter, HVAC and roofer.
Police, Emergency and Fire Personnel
An employee of a local law enforcement agency who is an officer sworn to carry out law enforcement duties.
Examples of this class are sheriffs, deputy sheriffs, chiefs of police, city police officers, and sworn personnel
of law enforcement subunits of port and transit authorities. This class includes campus police officers employed
by of local city and community college districts. Private campus police are excluded.
A firefighter or fire personnel who are extensively trained in firefighting. In addition those individuals also
trained in Emergency Medical Services (EMS) and operate ambulances who may or may not in addition to
being a firefighter.
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Packet Pg. 958 Attachment: Exhibit I Essential Personnel Certification (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-
2
Local Government Employees
An employee of Federal, State or Local Government is responsible for protecting the public’s health and safety
during emergencies. As such, all regular full and part-time employees are considered essential personnel and
are expected to participate as assigned during and/o after a declared emergency and/or activation event, which
will fall into one of the following categories: Department/Division Protective Measures, Shelter Operations,
Emergency Support Function/Emergency Operations Center, Phone Bank/Hotline, Damage Assessment,
Other: (Childcare, Volunteer Coordinator, Point of Distribution Assistant, etc. to be initiated by Emergency
Management or their Division Director)
Employer Name:
Representative Name:
Signature:
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Packet Pg. 959 Attachment: Exhibit I Essential Personnel Certification (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-
Exhibit J
Revised 03/2019
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:
If the proposed transaction is a rate and term refinance (less than $500.00 to borrower at
closing), the new interest rate must be at 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 is 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.) OR
Cash out transaction are allowed, provided the Combined Loan-To-Value (CLTV) ratio of
mortgages plus County liens 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
transaction 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 to process a subordination request:
1. Subordination Request form (attached).
2. Signed and executed Loan Estimate or equivalent; and
3. Signed and executed mortgage/loan application; and
4. Preliminary Closing Disclosure or equivalent; and
5. Copy of title commitment
6. 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
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:
For additional questions contact:
Lisa Carr, Sr. Grants Coordinator
Phone: 239-252-2509
Email: Lisa.Carr@colliercountyfl.gov or
CollierCountySHIP@colliercountyfl.gov
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Packet Pg. 960 Attachment: Exhibit J Subordination Policy (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
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
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Packet Pg. 961 Attachment: Exhibit J Subordination Policy (21576 : SHIP Program Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and