Agenda 11/08/2022 Item #11N (Added: Budget Amendment for SHIP Disaster Assistance FTE Grant)SEE REVERSE SIDE
Proposed Agenda Changes
Board of County Commissioners Meeting
November 8, 2022
Add on Item 11N: Recommendation to authorize a budget amendment and accept
the State Housing Initiative Partnership (SHIP) Disaster Assistance award in the
amount of $334,700 to assist eligible Collier County households whose primary
residence sustained damage as a result of Hurricane Ian to pay their insurance
deductibles and authorize one temporary FTE (SHIP Grant Fund 791). (Staff’s
Request)
Add on Item 4G: Proclamation declaring November 8, 2022, as TZU CHI Foundation Day in Collier
County. (Commissioner Taylor’s Request)
Continue item 11A to the December 13, 2022, BCC Meeting: *** This Item Continued from the September
27, 2022 BCC Meeting. *** Recommendation to approve the Cycle 11A Conservation Collier Active
Acquisition List (AAL) and direct staff to pursue projects recommended within the A-Category in sequential
order, funded by Conservation Collier Land Acquisition Fund (172). (Summer Araque, Principal
Environmental Specialist, Conservation Collier Program) (All Districts) (Commissioner McDaniel’s
Request)
Continue item 11H to a future BCC Meeting: Recommendation to accept an update as to the
implementation of the East Naples Development Plan and the US41 Zoning Overlay designed to add design
standards in accordance with the Plan’s recommendations. (Mike Bosi, Zoning Director) (District 1, District
4) (Commissioner LoCastro’s Request)
Move item 16A6 to become 11O: Recommendation that the Board of County Commissioners accept an
after-the-fact donation of sand and sand transportation/delivery from Stewart Materials and Rapid
Trucking respectively, received by Collier County in advance of Hurricane Ian’s landfall in the total amount
of $2,275.50 (All Districts) (Commissioner Saunders Request)
Move item 16A11 to become 11P: Recommendation to approve the cooperative procurement and use of the
Pinellas Suncoast Transit Authority Contract No. 21-980369, Florida Electric Transit Buses with Charging
and Associated Equipment, for the purchase of 30, 35 and/or 40-foot electric buses for the Collier Area
Transit System. (All Districts) (Commissioner McDaniel’s Request)
Notes:
TIME CERTAIN ITEMS:
Item 11I to be heard at 11AM: Recommendation to approve a Collier County Tourist Development Council
(TDC) Category “B” Promotion Funds Grant Application for the U.S. Open Pickleball Championship for
Fiscal Year 2023
11/14/2022 12:05 PM
EXECUTIVE SUMMARY
Recommendation to authorize a budget amendment and accept the State Housing Initiative
Partnership (SHIP) Disaster Assistance award in the amount of $334,700 to assist eligible Collier
County households whose primary residence sustained damage as a result of Hurricane Ian to pay
their insurance deductibles and authorize one temporary FTE (SHIP Grant Fund 791).
OBJECTIVE: To provide disaster recovery assistance for Collier County residents in the aftermath of
Hurricane Ian.
CONSIDERATIONS: As a result of the impacts of Hurricane Ian, Collier County was a federally and
state declared disaster area in September 2022, under Federal Emergency Management Agency (FEMA)
DR-4673-FL and State of Florida Executive Order Number 22-18 and amended Number 22-219. Pursuant
to Section 420.9075, Florida Statutes, when a disaster has been declared, local government may award
funds as a grant for disaster recovery or emergency repairs. SHIP offers the most affected communities
additional disaster assistance from an annual reserve of $5 million dollars. These funds are deployed based
on FEMA comparison data of all affected Counties and Cities. The FEMA report is attached to this Item
for the Board’s consideration. Under Florida Administrative Code 67-3.005, local governments may shift
all unencumbered SHIP funds to the disaster strategy to assist homeowners and communities in the
rebuilding efforts. This also allows a county to allocate funds between the disaster strategy and other
strategies that will enable recovery in their community.
On November 1, 2022, Collier County received notification from the grantor Florida Housing Finance
Corporation (FHFC) of the SHIP Disaster Assistance award in the amount of $334,700. The award
notification is attached to this Item for the Board’s consideration. These disaster funds can only be used for
payment(s) of insurance deductibles for eligible applicants. This special allocation will be added to our FY
2022-2023 allocation of 3,678,139 which was approved by the Board on June 14, 2022 (Agenda Item 16.4).
It is also to be noted that the disaster funding has and expenditure deadline of June 30, 2025.
On October 11, 2022, FHFC approved the below list of waivers with the exception for the qualifying income
requirement for FY 2022-2023 funding (waiver approval attached):
Waiver for Income Eligibility Screening (Self Certification is sufficient)
Waiver of 65% Homeownership set-a-side requirement
Waiver of Manufactured Housing 20% limitation
Waiver of Disaster Strategy Advertisement
Approval for temporary housing funds to be used outside of the jurisdiction or out of state
Waiver of 75% construction set-aside
On April 26, 2022, (Agenda Item 16.D.3), the Board adopted the SHIP 2022-2025 Local Housing
Assistance Plan (LHAP). This LHAP includes the Disaster Assistance Strategy. The strategy allows the
County to use SHIP funds to make payment of insurance deductibles for rehabilitation of homes covered
under homeowners’ insurance policies. The SHIP Disaster Assistance program funds will be distributed
on a first-come, first-qualified basis, as funds are available. Manufactured Homes constructed from June
1994 forward are considered eligible housing pursuant to Section 420.9071 (1), Florida Statute. The
following parameters have been determined by the FHFC: maximum value of the home, as determined by
the Collier County Property Appraiser, to be assisted can’t exceed $458,634.60, a complete application
including all required documents, income qualification below 120% AMI and citizenship requirements will
determine eligibility for the program. A check list of application documentation requirements and payment
requirements are attached to this Item. The maximum award for a household is $20,000 as stated in the
current LHAP. The funds allocated under the disaster strategy are grants. This means there will be no note
and mortgage on the property and no repayment. Funds are available for all County residents.
Due to the complex nature of administering and monitoring grant awards, existing staff is not sufficient to
handle the increased workload. Therefore, it will be necessary to secure one (1) additional Grant Support
Specialist I FTE to primarily assist in income qualification and customer assistance through the end of the
grant cycle June 30, 2025.
It is the intent of this recovery effort to upgrade the existing housing stock and provide for needed
community improvements.
Florida Housing Coalition, the County's technical advisor for SHIP and Florida Housing Finance
Corporation, the grantor, have assisted the County with the development of the proposed program
parameters.
Upon the Board’s approval, the program will open, and online applications will be accepted on November
18, 2022.
FISCAL IMPACT: A Budget Amendment is required to recognize the grant revenue in the amount of
$334,700 which will be available from the Florida Housing Finance Corporation, of which ten percent
(10%) will be used as administrative funds. One (1) additional staff position at 40 hours/week will be
necessary from December 2022 to June 2025. The cost for this position, $33,470 will be covered by grant
administrative funds until exhausted. Funds are available in SHIP Grant Fund (791) Project 33841. The
proposed action does not have an impact on the General Fund.
GROWTH MANAGEMENT IMPACT: Efforts are consistent and support the Housing and Future Land
Use Elements of the Collier County Growth Management Plan by providing housing assistance,
infrastructure improvements and other programs to improve the health, safety, and welfare of the very low-
to moderate-income residents of the community.
LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority vote
for Board approval. –
RECOMMENDATION: To authorize a budget amendment and accept the State Housing Initiative
Partnership (SHIP) Disaster Assistance award in the amount of $334,700 to assist eligible Collier County
households whose primary residence sustained damage as a result of Hurricane Ian pay their insurance
deductibles and authorize one temporary FTE (SHIP Grant Fund 791)
Prepared by: Lisa N. Carr, Grants Coordinator II, Community and Human Services Division
INSURANCE DEDUCTIBLE PROGRAM
Checklist
APPLICATION DOCUMENTS
x Application (5 pages)- completed by Head of Household
x Release of Information-All household members 18 or older
x Picture ID- All household members 18 or older
x Social Security Card- All household members 18 or older
x Benefit letter(s)-Soc Sec, SSI, SSDI, VA, Long Term Disability, Unemployment determination
(1099 forms are not acceptable)
x 1-month pay stubs or self-employed provide last 2 years’ tax returns along with a year-to-date
profit and loss
x 1-month current bank statement for all accounts (Checking, Savings, Money Market), include
ALL pages
x Most recent quarterly statement for 401k, pension, IRA/Investment account, etc. All pages)
x Notice for Collection Social Security Numbers
x Disaster Self-Certification Form
x Proof of FEMA application filing and result
x Proof of property insurance filing and result (adjustor report)
x Affidavit of Insurance-Disaster Recovery
x Duplication of Disaster Benefits Affidavit- Signed and Dated
x Signed and Dated SHIP Disaster Assistance Written Agreement
x Executive Order for Disaster
x Collier County Property Appraiser online information
PROOF OF PAYMENT DOUCMENTS FOR THE CLERKS AUDIT
x Current Homeowners property/flood Declaration of Insurance page(s)
x Insurance Claim Report
x Proof of Deposit(s) paid to contractor (canceled check or credit card statement)
x Proof of Insurance claim and payment(s)
x Proof of Advance payment(s) from Insurance Company, if applicable
x Contractors State of Florida License (Department of Business and Professional Regulation)
x Contractor Estimate (Agreement)
x Contractor Invoice
x Certificate of Completion
x Permit(s) for items Contractors are required to pull. (Roof, AC, Electric, etc.) or Final inspection
by County Third party inspector.
2022-2023,2023-2024,2024-2025 LHAP
Collier County and the City of Naples
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SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2022-2023, 2023-2024, 2024-2025
2022-2023,2023-2024,2024-2025 LHAF
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. Essentiai Personnel Certification.
J. Subordination Policy & Subordination Request Form .
20.22-2023,2023-2024,2024-2025 LEAP
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 govern ment(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 57-37, 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 1n 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 (under, Florida Housing
Finance Corporation.
I
'fQ22-2023,2023-2024,2024-2025 LHAF
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 If:
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
cj Moderate
2. Essential Services Personnel
a) Very Low
b) Low
cj Moderate
3. After Special Needs Set -asides and after ESP applicants
aj Very Low
bj Low
cj 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 7{
Local HFA Numbers
M. Income Limits, Rent Limits and Affordabillty: 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.fioridahousinR.ow.
"Affordable" means that monthly rents or mortgage payments including taxes and insurance do not exceed
4
2022-2023,2.023-2024,2024-2025 LHAP
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 3096 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.
❑. 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 adequotely pay the necessary costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Cade, 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 Iota# 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
5
2022-2023, 2023-2024, 202.4-2025 LHAP
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 o 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, spilled 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
t Any lighting fixture replaced ❑r installed shall be Energy Star
Weatherization shall be incorporated into all homes rehabilitated including but not limited to
weathe rizatio n 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
2022-2023,2023-2024,2024-2025 LHAP
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 he 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 � Cade 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) diets} 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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2022-2023,2023-2024,2024-2025 LAAP
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. Hame 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 loam, owner financing or other non -affordable ioan 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 a a home. The certificate must be dated within one year of
income certification date.
S. 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
I
2022-2023,2023-2024,2024-2025 WiAP
declared disaster.
1 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 homeowners) die(s) during the loan term, the lean will be forgiven.
5. Repayment: Monthly payments are not required.
5. 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 he 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 ❑r 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.
9
202-2-2023,2023-2024,2024-2025 LHAP
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 1, 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 an 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.
1 C1
2022-2023, 2023-2024,2024-2025 LHAP
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. (lip 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.
5. 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
11
2022-2023,2.023-2024,2024-2025 LHAP
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.
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.
A. The replacement housing shall be consistent with the character of the household, neighborhood, and
area wide market conditions. The homeowner niay 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.
g. 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.
IL 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
2022-2023,2023-2024,2024--2025 LHAP
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 bilI(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.
{ij Relocation and moving expenses, if necessary.
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
13
2022-2023.2423-2024,2024-2025 LI-AP
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
FFMA 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.
S. 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: NIA.
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 FFMA funds, as appropriate. Payments will be made to the service provider, community
partner, a 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 wi€I be passed through to the eligible buyer as down payment assistance.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
14
2022-2023,2023-2024,2024-2025 L.IIAP
Income Categories to be served: Very low, low, and moderate
Maximum award (per unit for Sponsor and buyer):
Very Low: $60,000 ESP, $50,000 non -ESP
Low: $40,000 ESP, $30,000 non-E5P
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_
2022-2023,2023-2.024,2024-2025 1,11AP
Home Buyer Selection Criteria- Sponsor shall identify applicants and provide the Application intake and
income certification of households app}ying 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 fiquid 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 eiigibilitieslrequirements
• Past performance evaluation
h. Additional Information: N/A
F. Rental Rehabilitation Code 14
1 r;
2022-2023,2023-2024,2D24-2025 LHAf-
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 3011 year.
6. Default: Loan default will be triggered by any of the following actions:
L 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.
H. 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
17
2022-2023,2023-2024,2024-2025 LHAP
-Capacity and experience
•Project feasibility
-Adherence to SHIP eligibilities/requirements
■Past performance evaluation
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).
h. 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.
S. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years.
f. 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 anti/or term, with no
cash out
iv. Property will no longer serve the intended target population.
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.
18
2022-2023,2023-2024r202'4-2025 LEAP
g. Tenant Selection Criteria: Tenants w0l be selected on a first -qualified, first -served basis.
h. Sponsor Selection Criteria: Non-profit/for profit mousing 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 eIigibiIities/requIrements
. Past performance evaluation
L 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
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.
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:
J
2422-2023,2023--2024,2024-2025 Ub�F
1, Repayment loan/deferred loan/grant: For -profit developers, funds wilt 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.
5. 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 ❑r 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 night 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.
0
2022-2023,2023-2024,2024-2025 LHAP
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 Ill. 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
(CKS) 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.
8. Ongoing Review Process
An ongoing process for review of focal 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 far 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 (rousing, 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.
f_ 1
2022-2023,2023-2024,2024-2025 LHAP
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 far use as affordable housing in accordance with Sec. 1.25.379 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 ❑rganixation 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.
22
2022-2023,2023-2024,2024-2025 LHAP
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: tlf changed from the original creating ordinance)
G. InterlocaI Agreement.
H. Short Sale Policy & Short Sale Application
I. Essential Personnel Certification,
1. Subordination Policy & Subordination Request Form .
2.3
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
Collier Coun
Exhibit A
Exhibit A (2022
Fiscal Year: 2022-2023
Estimated SHIP Funds for Fiscal Year:
Salaries and Benefits
Office Supplies and Equipment
Travel Per diem Workshops, etc_
$
$
$
$
3,678,139.00
309,784.90
4,605.00
9,211.00
Advertising
$
2,763.00
Other*
$
41,450.00
Total
$
367,813.90
Admin %
10,00%
OK
Fiscal Year 2023-2024
Estimated SHIP Funds for Fiscal Year:
Salaries and Benefits
Office Supplies and Equipment
$
$
$
3,862,045.95
325,275.60
4,835.00
Travel Per diem Workshops, etc.
$
9,671.00
Advertising
$
2,901.00
Other*
$
43,522.00
Total
$
386,204.60
10.00%
Over Budget
Admin %
Fiscal Year 2024-2025
Estimated SHIP Funds for Fiscal Year:
Salaries and Benefits
Office Supplies and Equipment_ _
Travel Per diem Workshops, etc.
$
$
4,055,148.25
341,538.83
$
$
5,077.00
10,155.00
Advertising
Other*
$
3,046.00
$
45,698.00
Total
$
405,514.83
10.00%
Over Budget
Admin %
*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
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
Z022-2023
3/30/2025
6/15/2025
2023-2024
3/30/2026
6/15/2026
2024-2025
3/30/2027
1 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@floridahousinQ,org when you are ready to 'submit" the AR.
Daher Key Deadlines:
AHAC reports are now due annually by December 31. Local governments receiving the minimurn (or less)
allocation may choose not to report.
LHAP Exhlbt C 2021
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2022-2023
Name of Local Government:
Estimated Fund, (Arrbapated allocation only):
Strategies
Code 4ua1Vfl¢s ier
Homeownership 75%set-aside
Collier County
$3,679,139.00
VLI Units Max. SHIP
Award
ll Units
Max.SHIP
Award
Mnd
Units
Max, S141P
Award
CpnsVuttkpn
Without
Const"rtim,
Total
Units
1 & 2
Purchase Assistance
No
0
$60,000
0
$40,000
0
$30,000
SOAO
$0 00
So DO
u
3
Owner-Occupietl Rehabilhatlm
Yes
5
$62,500
6
562,500
2
$62,500
$A 12,500-00
50.00
5812,500,00
13
a
Demo/Replace
Yes
4
$175o0U
3
$175,P00
1
$17f"Dw
$1,400,0DO.0u
$0.00
$1,400,000.00
8
5&16
Disaster Assistance
Yes
0
$20,0DU
0
S20,0001
0
$20,000
Sam
$O.DD
Soon
0
10
Constmcton Assistance
Yes
6
$64,000
4
$40,000
2
$30,000
$580,0DO.CD
$0.00
SSR0,00000
12
50.00
WOO
SO DO
D
50.00
SO.DD
$0.00
0
Sam
$o.DO
So ,ao
0
$0.00
50.00
Soon
0
$0.00
$0.00
$o DO
0
Total Homeownership
15
13
5
$2,792,500.00
$0001
$2,742,500,00
33
Purchase Price Limits:
New
$ 402,710
Enlsting
S 402,710
Code
Rental
cl-lifes for
75%set-aside
VLI Units
Max. SHIP
Award
Lk Onus
Max. SHIP
Award
Mod
Units
Max. SHIP
Award
CnnStnrcHon
Without
Construction
Total
Units
Rental M rr.billtaGon
Yes
0
5500,000
0
$500,000
0
$500,000
$0.00
$0.00
So 00
a
20
Rental Acquisition
No
0
$Sooc00
1
$500,000
0
$500,DDO
$0.00
$500,000.00
5500,00000
1
21
RentalD—Ie pment
No
0
$1,SD0,000
C
$1,5D0,00c
0
$7,500,000
5000
$0.00
Saw
0
MOO
$O.Du
$0.6D
0
SO.00
$0.00
$0.00
0
$D.co
$0.00
$0.00
0
Total Rental
0
1
0
50.00
5SOO.000.Wj
5500,000.00
1
Administration Fees
$ d67,814
10%
ON
e
Home Ownership Counseling
$
rota) AR Funds 5 3,660314 OK
Set-Asrd
Percentage Cvnstructivn(Reha6 {75%requlrementl
TS.9%
.?„
Homeownership %(65% requirement)
75.9%
ON
Rental Rest dttien 125%)
13.6%
ON
Very -Low lnccme(30% requlrementl
$ 1,372.5U0
37.3%
OK
Low Income 130%requlrement)
$ 1,C60,000
28.6%
OK
Moderate Income
$ 36C,000
9,R%
LHAP Exhibt C 2021
FLORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY GOALS CHART
2023.2024
Estimated Funds (Antkipated allocation only):
Strategies
Code quaORes for
Homeownership 75% seT-aside
$3,962,u45.35
VLI Units Max. SHIP
Award
Ll Units
Max. SHIP
Award
Mod
Units
Mae. SHIP
Award
Construction
Without
Construcdon
7ptal
UnRs
1&2
Purchase Assistance
No
1
$60,OPo
2
S40,000
4
$30,000
Sun
$260,000.00
$260,000.00
7
3
Owner-Ottupied Rehabilitation
Yes
6
$62,500
7
$62,500
2
$62,500
$937,500.00
50.00
S937,500.00
15
4
➢emo/Replace
Yes
3
$175,000
3
$175,000
1
$175,000
51,225,000.00
5000
$1,225,000.00
7
5 & 16
0lsaster Asslstan
Yes
0
$20,ODO
0
$20,000
0
$20,000
$0 00
$OA0
$0.00
0
10
Construttin. Assists a
Yes
4
$60,00n
4
$40p00
51
$30,P00
$550,000.00
S0.00
$550,000.00
13
50.00
$o.00
$o.00
0
50.00
$0.00
$0.00
0
$0.00
$0.00
$000
0
$0.00
$0,00
SOME)
9
5u_24
$o.Po
$o.oP
o
Total Homeownership
14
16
12
$2,712, 500.00
$260,a.
$2,972.500.00
42
pur[ —Price Limits:
New
$ 4021710
Existing
$ 402710
Code
Rental
Cloalifles for
7595 sevwlde
yLl Units
Max. SHIP
Award
Ll Units
Max. SHIP
Award
Mod
Units
Max. SHIP
Award
ConSGuttion Without
Construcion
Total
Units
Rental Rehabilitation
Yes
1
$500,o00
0
$500,o00
0
$500,000
$500, 00000 $0.00
SS00,000.00
1
20
Rem.1 Acqu lsition
No
0
$500,000
0
$500,000
0
$500,000
Sum $0.00
$0.00
0
21
RentalDtv"Iopment
No
0
51,500.000
0
51,$00.000
0
S1,500,000
S0.00 $0.00
SO=
0
$0.00 $0.00
SOME)
D
$0.00 $0.00
$O.OP7
so.21 $0.001
5000
a
Total Rental
Ll
i 0
1 01
$500,000.n0
$5p0,o00.00
1
Adl-Hi iratlOn Fee$
$ 386,205
IO95
OK
iso.go
Home Ownership [ounseling
$
Total All Funds 5 3,858,705 OK
Percentage Construrfiunf Rehab j75% requirement) 83.2% OK
Homeownership % l65%requirement} 77.0% OK
Rental Restriction I25%1 12.9% ON
LHAP Exhl6t C 2021
FtORIDA HOUSING FINANCE CORPORATION
HOUSING DELIVERY 60AL5 CHART
2024-2025
Name of Local Government:
Estimated Funds {Anticlpated aHocatlon only): $4,055,248.25
Cade
Strategies
Q-0es br
75%set-aside
VLI Units
Ma.. SHlp
Award
UUnits
Max, S41P
Award
Mod
Units
Max. Skip
Awartl
CpnstwWon
N7thout
[onstiudi0n
Total
Units
Homeownership
1&2
9umhase Assistance
No
0
$60,000
0
$40,000
0
$30,000
$0.00
$0.00
$0.00
0
3
0wner-Occupled Rehabllitation
Yes
7
$62500
7
$52,500
3
$62.500
$1,067,SOnp0
$0.00
$1,062,5C0.00
17
4
Demo/Replace
Yes
3
$17s,000
2
$175,000
0
$175,000
$875,000.W
$0.00
$875,000.00
5
5&16
Disaster Assistance
Yes
01
$10,000
DI
S20,o00
01
520,000
0.00
$0.00
$0.00
0
10
Construction Assistance
Yes
5
560,000
7
$40,D00
2
$30,000
$700,000.00
$0.00
$700,000.00
IS
50.00
$0.00
$0.00
0
$0.00
so.00
$C.00
0
Moo
$0.00
$0.001
0
$0.00
$0.00
$0.00
0
$0.00
$0.00
$C.00
0
Total Homeownership
15
16
5
52,637,50020
$0.00
$2,637,500.00
37
purchase price Limits;
New
$ 402,710
Existing
5 402,710
Cade
Rental
Qualifies for
75%sel-ide
VLI Units
Max. SHIP
Award
its Units
Max. SHIP
Award
Mod
Units
Max. SHIP
Award
Construction
Without
Construction
Total
Units
Rental Reha6llltaUon
Yes
2
$500,00C
0
5500,000
0
$500,000
$1,000,000.00
$0.00
$1,000,000.00
2
20
Rental Acquisition
No
0
5500,000
0
$500,000
0
$500,000
So.00
50.00
$0.00
0
21
Rental Development
No
0
$1,500,00C
0
$1,500,000
0
$1,500,000
50.00
56 on
$0.00
0
WOO
50.00
$0.00
0
$0.00
50.00
$0.00
0
Su.001
50.00
$0.00
0
Total Rental
2
0
0
$1,000,000.00
$0.00
$L,o00,000.00
2
Admmistration Fees
$ 405.515
10%
OK
Home Ownership Counseling
$
Total All Funds $ 4,043,015 AK
Set -Asides r�
Percentage Construcion/Rehab {75%requirementl
99.7%
OR
Homeownership % (65% requirement)
65.0%
OK
Rental Resid lnn )25%1
24.7%
OK
Very -Law Income l3Q%requirementl
23R500
57,3%
O
Low loO rementl
1,067,5
Moderate Income
$ 2 "F.
6.1%
EXHIBIT "D"
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity:
Certifies that:
COLLIER COUNTY/CITY OF NAPLES
Exhibit D
67-37.005(1), F.A.C.
2022
(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 detennine 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 Iocal 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.
(I0) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted by
law.
Exhibit D
67-37.005(1), F.A.C.
2022
(1 1) The IocaI housing assistance trust fund shall be separately stated as a special revenue fund in the
local governments audited financial statements (CAF'R). An electronic: copy of the CAFR or a
hyperlink shall be provided to Florida Housing by .tune 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) SI I I P fiends 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 F S, and Rule Chapter 67-37 FAC.
(1 S) The provisions of Chapter 83-220. Laws of Florida have not been implemented (except for
Miami -Dade County),
NIA
Witness
NIA
Witness
2 t,,,, 2-OZ L
' r\j <X,
`^
A stti�
Attest as to Chair
1�r�ivcd5aTto�fd� � �cYlegzlity
Assi%lant Couilty Ationwy
aCi w e fficial o de n
liam L. McDaniel. Jr. -Chairman
(Seal)
EXHIBIT "E"
RESOLUTION NO.2022- 58A
A RESOLUTION OF THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA,
APPROVING THE LOCAL HOUSING ASSISTANCE
PLAN (LHAP) FOR FISCAL YEARS 2022-2023, 2023-2024,
AND 2024-2025, AS REQUIRED BY THE STATE
HOUSING INITIATIVES PARTNERSHIP (SHIP)
PROGRAM; AUTHORIZING THE CHAIR TO EXECUTE
ANY NECESSARY DOCUMENTS AND
CERTIFICATIONS NEEDED BY THE STATE;
AUTHORIZING THE SUBMISSION OF THE LHAP FOR
REVIEW AND APPROVAL BY THE FLORIDA HOUSING
FINANCE CORPORATION; AND PROVIDING AN
EFFECTIVE DATE.
WHEREAS, the State of Florida enacted the William G. Sadowski Affordable Housing
Act, Chapter 92-317 of Florida Sessions Laws, allocating a portion of documentary stamp taxes on
deeds to local governments For the development and maintenance of affordable housing; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, Subsections 420.907-
420.9079. Florida Statutes, and Chapter 67-37, Florida Administrative Code, requires local
governments to develop a one - to - three-year LHAP outlining how funds will be used; and
WHEREAS, the SHIP Act requires local governments to establish the maximum 5WP
funds allowable for each strategy; and
WHEREAS, the SHIP Act further requires local governments to establish an average area
purchase price for new and existing housing benefiting from awards made pursuant to the Act; and
WHEREAS, the methodology and purchase prices are defined in the attached LHAP; and
WHEREAS, as required by Section 420.9075, F.S., it is found that 5 percent of the local
housing distribution plus 5 percent of program income is insufficient to adequately pay the
necessary costs of administering the LHAP, The cost of administering the program may not exceed
10 percent of the local housing distribution plus 5% of program income deposited into the local
housing assistance trust fund; and
WHEREAS, Community and human Services staff have prepared a new three -yeas LHAP
for submission to the Florida Housing Finance Corporation; and
WHEREAS, the Board of County Commissioners finds that it is in the best interest of the
citizens of Collier County for it to submit the LHAP for review and approval so as to qualify for
said documentary stamp tax funds with administrative costs paid from moneys deposited into the
local housing assistance trust fund.
NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA that:
Section 1: The Board hereby approve the Local Housing Assistance Plan, as attached, and
incorporated hereto For submission to the Florida Housing Finance Corporation as
required by Sections 420.907-420.9079, Florida Statutes, for fiscal years 2022-
2023, 2023-2024, and 2024-2025.
Section 2: The Chair is hereby designated and authorized to execute any documents and
certifications required by Florida Housing Finance Corporation as related to the
Local Housing Assistance Plan, and to do all things necessary and proper to carry
out the term and conditions of said program.
Section 3: This resolution shall take effect immediately upon its adoption.
This Resolution passed and adopted this day of C.C�� , 2022, after
motion, second and majority in favor of passage.—r
AT7XST;
CRUSTAL --.IC. KJNLEL, CLERK
.c.
Attest as t4 C rman CLERK
signature only..
Approved as to form and legality:
Jennifer A. Beipe io G
Assistant County Attorney 117j
BOARD OF COUNTY COMMISSIONERS
OF COLLIER C RIBA
C'
By:
WILLIAf J. MC>]ANIEL, JR., CHAIRMAN
�a
C
EXHIBIT "F"
1 ORDINANCE NO.2013 - 27
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. 9I-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 t a9vski
Affordable Housing Act creating the State Housing initiatives Partnership ("SHIP"�'rogrft fom
the specific purpose of supporting and expanding the availability of affordable housrescaIrceo-
within the State; and
WHEREAS, the Collier County Board of County Commissioners (Bo65 a *tep
Ordinance No. 93-19 on April 13, 1993, creating a local housing asslstancst`P=d,
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
Statures, Sections 420.907- 420.9070 and Chapter 67-37, Florida Administrative Code.
2013 Collier County Sit1P Local Housing Assistance Program Ordinance
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 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 51NP Loral Housing Assismncc Program Ordinance
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 Hoards. 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 (1 l ) members as required by Florida ,Statutes
420.9076 (2)(a)-(k), appointed by Resolution of the Board of County Commissioners no Iater
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 Col Iied County SHIP Local Housing Assistance Program ordinance
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 CoIHer County SNIP Local Idousing Ass islanee Program Ordinance
PASSED AND DULY ADOPTED by the Board of County Commissioners of Collier
County, Florida. this q day of , 2013.
ATTESJ':
DWIGfl jf%;0WCK, CLERK
ell
�. �lb
puty Clerk
Alt as
Approved O tAorm
6
and legal sufficiency:
Jer�ferrBB. White
Assistant County Attorney
BOARD OF COUNTY COMMISSIONERS
CO CO TY, FLORIDA
By
Borgia A. Hiller, Esq.
Chairwoman
This ordinance filed with the
c etory of S re ff
day of _
and acknowledgem at
fit' Dived oy
v
By c
2013 Col Iicr County SHIP [.oca1 Housing Assistance Program Qrdinancc
STATE ❑F 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* Cler-k
Ex -of ficio to Boarsi� of,
r
County Commissibii'ers
. j
By: Ann nejohn,
Deputy Clerk
EXHIBIT "G"
COLLIER COUNTYICITY OF NAPLES
INTERLOCAL AGREEMENT
STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM
THIS 1NTERLOCAL AGREEMENT (the "Agreement") is made and entered into this
TH
Z(O day of A eK i L , 2022, by and between Collier County, apolitical subdivision of the
State of Florida, acting by and through its Board of County Commissioners, and the City of Naples,
a municipal corporation created and existing under the laws of the State of Florida, acting by
and through its City Council.
WITNESSETH:
WHEREAS, Section 420,9072, et seq.. Florida Statutes (the "State Housing I nitiatives
Partnership Program" ("SHIP"), authorizes monies in the Local Government Housing'Frust Fund
(the "Fund") to be distributed to approved counties and eligible municipalities within the county
pursuant to an Intertocal Agreement: and
WHEREAS, Collier County is an approved county and the City of Naples is an eligible
municipality within Collier County; and
WHEREAS, the parties desire to jointly utilize SHIP allocations pursuant to this
Agreement: and
WHEREAS, the parties have determined that SHIP funds can be more efficiently utilized
and managed when the parties work cooperatively to address the community's affordable
housing needs.
NOW, THEREFORE, in consideration of the mutual promises set forth herein, the
parties agree as follows:
1. The County and City do hereby agree that the SHIP Program funds as allocated in
Section 420.9073. Florida Statutes, are to be distributed to Collier County to administer in
conformity with the mutually approved Local Housing Assistance Plan.
2. Unless earlier terminated pursuant to other provisions of this Interlocal Agreement,
the term of this Agreement shall run concurrent with the three-year Local Housing Assistance Plan
(the "LHAP") which expires June 30, 2025, as it may be amended.
COV
3. The County and City direct the Florida Housing Finance Corporation [the
"Corporation"] to distribute and allocate the SHIP Program funds in accordance with this
Agreement and authorize the Corporation to rely on its stated intent and authority to execute this
Agreement.
4. The SHIP Program funds so distributed will be deposited in a single depository trust
fund account created and managed by Collier County, Finance Division of the Office of the Clerk
of the Circuit Court. This account shall be known as the Collier County Local Housing Trust Fund
(hereinafter referred to as "Local Fund"), to which SHIP funds are distributed by the Corporation.
The Corporation will be notified of any change in the Local Fund status and the parties agree to
have such Local Fund audited annually as required by Chapter 420, Florida Statutes and Chapter
67-37. Florida Administrative Code. Since all distributions from the Local Fund shall be processed
by Collier County, the parties hereto agree that the Comprehensive Single Entity Audit of the
accounts and records of the County with respect to SI4IP revenues and expenditures shall constitute
the audit for the Interlocal Entity as described in the SHIP Regulations. The parties hereto agree
that the Local Fund may be allocated a pro-rata cost of the independent audit by the County.
5. During the term of this Agreement, both patties agree that they will not do anything
to jeopardize the other party's right to receive its allocation from the Local Fund,
6. Membership to the Affordable Housing Advisory Committee shall be appointed as
required by Section 420.9076, Florida Statutes and Collier County Ordinance 2013-27. One
member may be an elected official from the City of Naples. This member shall be appointed from
a list of one or more qualified applicants submitted by the City Council or its representative.
7. The parties to this Agreement have adopted incentives from the Affordable Housing
Incentive Plan as prepared and submitted by the joint Affordable Housing Advisory Committee,
amending the Local Housing Assistance Plan accordingly. Both parties understand that Chapter
420, Florida Statutes requires continuing monitoring and implementation of the Affordable Housing
Incentive Plan for the purpose of enhancing and providing affordable housing and agree to
cooperate in ensuring that the requirements and spirit of the Chapter 420, Florida Statutes is satisfied
8. Neither party shall use any revenues distributed and allocated for purposes other than
those authorized by Section 420.907 et seq.. Florida Statutes. or Chapter 67-37, Florida
Administrative Code.
9. During the term of this Agreement, any party may give the other party ninety (90)
cclko
days written notice that it wishes to renegotiate the terms of this Agreement, to be effective on the
first day of the next fiscal year. If the parties fail to reach a new agreement prior to the
commencement of the next fiscal year. this Agreement shall terminate and be of no further force or
effect, and the funds shall be allocated according to population pursuant to Section 420.9072 and
Section 420.9073, Florida Statutes.
10. If either party shall cease to be eligible for allocation and distribution, such party's
allocation of the funds shall remain in the Local Fund to be used by the Corporation. Both parties
acknowledge the SHIP enabling legislation, the rules promulgated to implement same, and that the
Chapter 420, Florida Statutes and Chapter 67-37, Florida Administrative Code are incorporated
herein as if they were restated.
IN WITNESS THEREOF, the parties hereto have caused this Agreement to be executed
by their duly authorized officials.
ATTEST:
CRYSTAL K. KINZEL, CLERK
lot .
es, �S � Ghairm ep� Ckerk
sivnattjri only.
ApprW 114orm and legality:
Jeffreys#k. Ijktzkoiv, County Attorney
ATTEST:
BOARD OF COUNTY COMMISSIONERS
OF COLLIER ORiDA
BY:
Will' m L. McDaniel, Jr., Chairman
CITY OF NAPLES, a Municipal
Corporation
and
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EXHIBIT H
Collier County
Community and Human Services Division
State Housing Initiatives Partnership Program
SHORT SALE POLICY
Requests for short sale must be approved in advance and in writing by Collier County Community and Human Services
Division. The following minimum criteria shall apply:
1. The recipient, as seller of the property, shall not receive any funds from the Short Sale transaction.
2. To facilitate a Short Sale, Collier County shall forgive 70 percent (70%) of the assistance provided based upon the
following table.
PROPOSED SHORT SALE
SETTLEMENT AMOUNT
30% of SHIP Second
Mortgage face value amount
3. The Collier County Short Sale amount cannot conflict with the primary mortgage lender Short Sale Agreement.
■ If the primary lender rejects the SHIP Proposed Short Sale Settlement amount, at the discretion of the
CHS Director or his/her designated representative, the settlement amount tnay be reduced as appropriate
to help facilitate the sale of the property to avoid the possibiIitt_of foreclosure.
In order to determine if a recipient may qualify for Short Sale, the Division will require the Fallowing 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 therecipient 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:
I. Final unsiened Closing Disclosure as orenared for settlement (sinned coov to be obtained immediatelv 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 da s 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 Ietterto the title comlany. if we are unable to approve
the request, a denial letter will be issued.
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 Mortgaize 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 Elate
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 blame:
Position Title:
I certify that to the best of my knowledge the above -named applicant is a;
Healthcare Personnel Skilled Building Trade Personnel Police and Fire Personnel
Teacher and Educators, other school district, community college, university employees
❑ Local Government Employees
Healthcare Personnel and Government Employees
Healthcare personnel (HCP) are persons who have special education on healthcare 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, pipeftter, steamfitter, electrician, painter, HVAC and roofer.
Police, Emergency and Fire Personnel I
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.
Loral 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:
Exhibit J
Collier County
Community and Human Services Department
SUBORDINATION POLICY
Requests far subordination mast 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:
I . Subordination Request forin (attached).
2. Signed and executed Loan Estimate or equivalent; and
3. Signed and executed morigage/loan application; and
4. Preliminary Closing Disclosure or equivalent; and
5. Copy of title commitment
5. 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 2-5 TO:
For additional questions contact:
Lisa Carr, Sr. Grants Coordinator
Phone: 239-252-2509
Email: Lisa.Carr Deolliercount -fl.aov or
CollierCount 'SHIP a�colliercount yf7. ❑v
Revised 03/2019
Subordination Request Form
To he completed by the Financial Institution processing refinance on behalfofclients listed below
Borrower (s) name:
Borrower (s) address:
Financial Institution:
Address:
Email: Phone:
Principal Balance:
Monthly Payment {PIT[):
Loan Amount:
Monthly Payment (PITI):
Interest Rate:
Loan Term:
Interest Rate:
Loan Term:
Closing Agent/Title Company Information
Name: Contact Person:
Phone: Email Address:
I certify that the above infonnation 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
Email address
Lender/ Broker Name Printed
Phone
Date
From:LaRowJacob
To:SonntagKristi; LucianoDonald; CarrLisa; AquinoLuqueBlanca
Subject:Fwd: Hurricane Ian Disaster Disbursement
Date:Tuesday, November 1, 2022 10:54:33 AM
Attachments:image002.jpg
image003.jpg
image004.jpg
image005.jpg
image006.jpg
Copy of 22 23 DR Payment Confirmation.pdf
FYI
Sent from my iPhone
Begin forwarded message:
From: Robert Dearduff <Robert.Dearduff@floridahousing.org>
Date: November 1, 2022 at 10:33:51 AM EDT
To: mrozdolski@leegov.com, "Dietrich, Angela" <ADietrich@leegov.com>,
"Amy L. Yearsley" <ayearsle@capecoral.gov>, Beverly Reed
<BReed@cityftmyers.com>, Lorie Ayers <lorie.ayers@hardeecounty.net>, Cindy
Emshoff <Cindy.Emshoff@sarasotafl.gov>, "Turner, Colleen"
<Colleen.Turner@charlottecountyfl.gov>, LaRowJacob
<Jacob.LaRow@colliercountyfl.gov>, Lauri Benson
<l.benson@desotobocc.com>
Cc: Cameka Gardner <Cameka.Gardner@floridahousing.org>
Subject: Hurricane Ian Disaster Disbursement
EXTERNAL EMAIL: This email is from an external source. Confirm this is a
trusted sender and use extreme caution when opening attachments or clicking
links.
All:
You should receive the Hurricane Ian SHIP disaster funds that we sent out the
allocation amounts for last week. Please let us know if you have any issues with
receiving the funds.
As a reminder, these funds will be added to your FY 2022-2023 allocation but can only
be used for insurance deductibles for eligible applicants. Also, if you were still owed
regular FY 2022-2023 SHIP funds, those have been disbursed as well. Attached chart
has details of all funds disbursed today.
Three questions:
1. How many applicants/inquiries you have had for this funding? (I am not
concerned at this point with eligibility or approvals, just the number of
interested households)
2. What are the terms of the funds (grant/loan)?
3. Have you set a maximum award other than your disaster strategy amount?
Thanks.
<!--[if !vml]-->
<!--[endif]--> Robert Dearduff| Director of Special Programs
227 N. Bronough Street, Suite 5000, Tallahassee, FL 32301 | p. 850.488.4197 |
f. 850.488.9809
robert.dearduff@floridahousing.org | Visit our website at
www.floridahousing.org.
Florida has a broad and inclusive public records law. This e-mail and any
responses to it should be considered a matter of public record.
Disclaimer
Florida has a broad and inclusive public records law. This e-mail and any responses to it
should be considered a matter of public record.”
Under Florida Law, e-mail addresses are public records. If you do not want your e-mail address released in response to a public records
request, do not send electronic mail to this entity. Instead, contact this office by telephone or in writing.
From:Robert Dearduff
To:LaRowJacob
Cc:SonntagKristi; CarrLisa; LucianoDonald; "Tamara West"
Subject:RE: Re: WAIVER APPROVAL: SHIP Assessment of Hurricane Ian October 4, 2022
Date:Tuesday, October 11, 2022 11:50:10 AM
Attachments:image001.png
EXTERNAL EMAIL: This email is from an external source. Confirm this is a trusted sender
and use extreme caution when opening attachments or clicking links.
Florida Housing has reviewed the county’s waiver requests and believe they are necessary to
address hurricane recovery needs in the community. The waivers as stated are approved.
From: LaRowJacob <Jacob.LaRow@colliercountyfl.gov>
Sent: Tuesday, October 11, 2022 10:03 AM
To: Robert Dearduff <Robert.Dearduff@floridahousing.org>
Cc: SonntagKristi <Kristi.Sonntag@colliercountyfl.gov>; CarrLisa <Lisa.Carr@colliercountyfl.gov>;
LucianoDonald <Donald.Luciano@colliercountyfl.gov>; 'Tamara West' <west@flhousing.org>
Subject: RE: Re: SHIP Assessment of Hurricane Ian October 4, 2022
Mr. Dearduff:
Apologies for the 2nd email, but we would request consideration of a waiver of the minimum 75%
construction set-aside. If FHFC hasn’t considered this option, we’d encourage revisiting this as an
option to provide additional flexibility for Collier to address needs specific to our residents.
Thank you for your consideration.
Sincerely,
Jacob LaRow
Director – Economic Development and Housing Division
2800 N. Horseshoe Drive
Naples, Fl 34104
239-252-1202 Please note new number
Jacob.LaRow@colliercountyfl.gov
Making Our Community Stronger: One life, one home, one project at a time.
From: LaRowJacob
Sent: Tuesday, October 11, 2022 9:28 AM
To: Robert Dearduff <Robert.Dearduff@floridahousing.org>
Cc: SonntagKristi <Kristi.Sonntag@colliercountyfl.gov>; CarrLisa <Lisa.Carr@colliercountyfl.gov>;
LucianoDonald <Donald.Luciano@colliercountyfl.gov>; 'Tamara West' <west@flhousing.org>
Subject: Re: SHIP Assessment of Hurricane Ian October 4, 2022
Good Morning Mr. Dearduff:
Collier County would like to take advantage of waivers made available by Florida Housing Finance
Corporation including the ability to provide for temporary housing funds outside of Collier and or out
of state. We have seen a severe lack of housing options both in traditional, temporary housing such
as single-family homes as well as hotel rooms. As of yesterday we had 5 available rooms out 116
properties in Collier.
Please advise if you require further data to support the ability support temporary housing outside of
the County or the state.
------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------
Additionally, FHFC has provided a list of waivers and permission below. If needed, please
submit a written request via email to Robert Dearduff and copy me at west@flhousing.org.
Waiver for Income Eligibility Screening (Self Certification is sufficient)Waiver of 65% Homeownership set-a-side requirement
Waiver of Manufactured Housing 20% limitation
Waiver of Disaster Strategy Advertisement
Request permission for temporary housing funds to be used outside of your
jurisdiction or out of state
Sincerely,
Jacob LaRow
Director – Economic Development and Housing Division
2800 N. Horseshoe Drive
Naples, Fl 34104
239-252-1202 Please note new number
Jacob.LaRow@colliercountyfl.gov
Making Our Community Stronger: One life, one home, one project at a time.
Under Florida Law, e-mail addresses are public records. If you do not want your e-mail address released
in response to a public records request, do not send electronic mail to this entity. Instead, contact this
office by telephone or in writing.
Disclaimer
Florida has a broad and inclusive public records law. This e-mail and any responses to it should be
considered a matter of public record.”