Agenda 05/27/2025 Item #16D 6 (Resolutions - Establishing a Local Disaster Program, and (2) a Resolution to approve a technical revision to Fiscal Years 2022-2025 and 2025-2028 State Housing Initiatives Partne5/27/2025
Item # 16.D.6
ID# 2025-1693
Executive Summary
Recommendation to adopt (1) a Resolution of the Board of County Commissioners establishing a Local Disaster
Program, and (2) a Resolution to approve a technical revision to Fiscal Years 2022-2025 and 2025-2028 State Housing
Initiatives Partnership Local Housing Assistance Plan, adding local disaster response grant program assistance language
and clarifying language to the Disaster Assistance strategy. (SHIP Grant Fund 1053)
OBJECTIVE: To establish a Local Disaster Response Program to assist low to moderate income households who are
uninsured or underinsured due to rising costs and include those costs that are not typically covered by homeowners or
flood insurance, such as tipping fees, dumpster rentals, and similar expenses.
CONSIDERATIONS: Overview
This Executive Summary is in two parts.
The first part is a Resolution establishing a Local Disaster Program to be administered by the Community and Human
Services Division. The Program is intended to fill the hole when there is a local disaster (wildfire, flooding, etc.) that is
not declared by the President of the United States or Governor of the State of Florida (such as a hurricane event). The
Program is intended to assist low to moderate income households who are uninsured or underinsured due to rising costs
and include those costs that are not typically covered by homeowners or flood insurance, such as tipping fees, dumpster
rentals, and similar expenses. Before any funds can be expended under the Program for an event, the Board must first
declare a Local Disaster at public hearing.
The second part creates a funding source for this Program. Funding shall be in accordance with Collier County’s
approved State Housing Initiatives Partnership Local Housing Assistance Plan, as amended. The proposed changes
were vetted and approved by the State.
Specific Terms and Conditions
On July 7, 1992, the William E. Sadowski Affordable Housing Act was signed into law to provide funding to local
communities through a documentary stamp tax on real estate transactions to promote affordable housing. Under the
program, Collier County and the City of Naples receive funds from the State to provide initiatives to expand affordable
housing opportunities. The Local Housing Assistance Plan (“LHAP”) identifies various methods, or strategies, by which
funds will be allocated and disbursed. The Local Housing Assistance Plan (“LHAP”) identifies various methods, or
strategies, by which funds will be allocated and disbursed.
The 2022-2025 LHAP was adopted on April 26, 2022 (Agenda Item #16. D. 3), later amended by technical revision on
November 10, 2022 (approved by FHFC), on July 23, 2024 (Agenda Item #16. D. 3), and on January 28, 2025 (Agenda
Item #16. D. 2). The 2025-2028 LHAP was adopted on April 8, 2025 (Agenda Item #16. D.10).
While both approved LHAPs include a Disaster Assistance Strategy, that strategy is only activated following a federal
or state Executive Order. Collier County lacks a local disaster response mechanism to assist residents impacted by
localized events such as wildfires or floods. A Local Disaster Response Program would assist low- to moderate-
income households who are uninsured or underinsured due to rising costs and include those costs that are not typically
covered by homeowners or flood insurance, such as tipping fees, dumpster rentals, and similar expenses. Approval of
this item will authorize implementation of the local program under both the 2022–2025 and 2025–2028 LHAPs. The
information below provides the details of the revised strategies.
2022-2025 LHAP recommended technical changes to add Locally Declared Emergency Response Assistance:
2. Owner-Occupied Rehabilitation
Locally Declared Emergency Response
Assistance
Code 3, 5
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1. 1. Summary-Owner-Occupied Rehabilitation (OOR): 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.
a. 2. Summary-Locally Declared Emergency Response Assistance (LDERA): SHIP funds will be awarded to
households affected by a locally declared emergency who need assistance covering costs not paid by homeowner’s
insurance, or for those without insurance coverage. Eligible expenses may include fees for tree and debris removal,
correction of immediate minor code violations, tipping fees, and dumpster rentals, or any other fees or costs that are not
otherwise covered through homeowner’s or flood insurance. Before any funds can be expended under the SHIP Program
for an event, the Board must first declare a Local Emergency at a public hearing.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. 1. Maximum award (OOR): $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)
2. Maximum award (LDERA): $10,000
e.1. Terms: Owner-Occupied Rehabilitation
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 a Florida Department of Motor Vehicles title.
2. Interest Rate: 0%
3. Years in loan term: 15 years
4. Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will be forgiven in five-year
increments so that at the end of the fifteenth (15) year, the loan is fully forgiven. In cases where the qualifying
homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during the Loan term: sale,
transfer, or conveyance of property; conversion to rental property; or failure to occupy the
home as primary residence. If any of these occur, the outstanding balance will be due and payable. Persons that
qualify for SHIP assistance will be required to contractually agree to all SHIP program guidelines, County SHIP
mortgage requirements, repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, repayment of the loan is required in full when one of the following conditions is met,
whichever occurs first:
1. Sale: if the 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”.
2. 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.
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3. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer the 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.
e.2. Terms: Locally Declared Emergency Response Assistance
1. Repayment loan/deferred loan/grant: Funds will be awarded as a grant with no recapture terms.
2. Interest Rate: N/A
3. Years in loan term: NA
4. Forgiveness: N/A
5. Repayment: N/A
6. Default: N/A
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified, first-served
basis, with the priorities for Special Needs, Essential Services Personnel, income groups as described in Section I,
Program Details, of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied Rehabilitation and/or Locally Declared
Emergency Response 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 the first option.
4. Where the unit and land are owned by the same person, the unit assisted must be owner-occupied and, have
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applied for, or already be homesteaded as the primary residence. Owner-occupied manufactured homeowners
renting their lot may also apply for assistance. Must complete an FHFC-approved “Disaster Self-Declaration of
Income” form, if applicable under this strategy.
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 locally declared
emergency.
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. 1. Owner Occupied Rehabilitation Additional Information:
Manufactured homes will only be eligible for housing assistance if owner occupied, are affixed to the ground,
and the land is (a) owned and homesteaded by the occupant or (b) leased/rented by the homeowner. Manufactured
homes constructed June 1994 forward are considered eligible housing pursuant to Section 420.9071 (8), Florida Statute.
The repairs must not exceed 90% of the value of the existing property and residence, and all repairs are within existing
codes for the property. For an owner-occupied mobile or manufactured home on land that is leased, a State of Florida
Vehicle Certificate of Title will list Collier County Board of County Commissioners on the title as the security interest
in the unit.
Homeowners may receive additional Rehabilitation funding provided it has been at least three (3) years since the last
rehabilitation. Disaster Assistance and Local Declared Emergency Response Assistant-related funding is exempt from
this restriction.
h. Locally Declared Emergency Response Assistance- Additional Information: Residents using this strategy
during a locally declared emergency are required to submit a lease agreement or mortgage statement for each approved
locally declared emergency event. Payment(s) will be paid directly to the service provider, a licensed contractor, or a
licensed business on behalf of the applicant. The applicant may be reimbursed directly if they provide proof of payment
and invoice, and/or receipt. Manufactured homes constructed after June 1994 are considered eligible housing pursuant to
Section 420.9071 (9), Florida Statute. Residents will need to provide documentation to demonstrate a relationship and
direct impact on the locally declared emergency.
2025-2028 LHAP recommended technical changes to add Local Disaster Response Assistance:
Locally Declared Emergency Response Assistance and Emergency Housing
Repair & Housing Resilience
Code 5, 6 & 16
a. 1. Summary: Local Disaster Response Assistance
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SHIP funds will be awarded to households affected by a locally declared emergency who need assistance covering costs
not paid by homeowner’s insurance, or for those without insurance coverage. Eligible expenses may include fees for tree
and debris removal, correction of immediate minor code violations, tipping fees, and dumpster rentals, or any other fees
or costs that are not otherwise covered through homeowner’s or flood insurance. Before any funds can be expended
under the SHIP Program for an event, the Board must first declare a Local Emergency at a public hearing.
a. 2. Summary: Emergency Housing Repair & Housing Resilience
SHIP funds will be awarded to owner-occupied households in need of rehabilitation, and/or repair of their home related
to a dire situation that needs to be mitigated immediately. Eligible rehabilitation and repair are:
• Remediation of an immediate health hazard to the occupants;
• Elimination of a developing threat to the dwelling or infrastructure;
• Structural elevation, rehabilitation, impact windows, doors, and/or waterproofing of the structure or critical
components to comply with the local housing code and with Chapter 553. F.S. and;
• Improving the home’s resilience to the impact of a future disaster.
SHIP funds may be awarded to applicants requiring emergency power generator installation if 1) A member of the
household meets the Special Needs set-aside criterion, and 2) A written statement from a healthcare provider indicates
that electricity is a bona fide medical necessity.
Proof of insurance claims must be submitted, if applicable. SHIP funds may also be awarded to pay the Homeowner’s
Insurance Policy and/or Flood Insurance Policy for one year, if no insurance is in place at the time of the award.
Homeowner’s insurance and Flood insurance are granted with no recapture terms.
SHIP funds may be used to assist with the payment of relocation and storage/moving costs associated with the
rehabilitation of the residence.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very Low, Low, and Moderate
d. 1. Maximum award: $ 10,000 Locally Declared Emergency Response Assistance
2. Maximum award: $100,000 Emergency Housing Repair & Housing Resilience
e. 1. Terms: Locally Declared Emergency Response Assistance
(a) 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.
(b) Interest Rate: N/A
(c) Years in loan term: N/A
(d) Forgiveness: N/A
(e) Default: N/A
e. 2. Terms: Emergency Housing Repair & Housing Resilience
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: 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
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homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during the Loan term: sale,
transfer, or conveyance of property; conversion to rental property; or failure to occupy the home as a primary
residence. If any of these occur, the outstanding balance will be due and payable. Persons who qualify for SHIP
assistance will be required to contractually agree to all SHIP program guidelines, County SHIP mortgage
requirements, and repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, repayment of the outstanding balance is required in full when one of the following conditions
is met, whichever occurs first:
1. 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”.
2. 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.
3. Refinance: may be allowed in accordance with the published “Subordination Policy”.
4. Home is no longer the 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 it is determined that adequate funds may be available to justify pursuing a repayment.
f. 1. Locally Declared Emergency Response Assistance- 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 as the 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, Permanent Residency Status, or qualified non-citizens as aligned with FEMA.
All borrowers must submit one of the following: a U.S. Passport, a U.S. Birth Certificate, a U.S. naturalization
document, a permanent resident card, or proof of immigration status.
5. Primary Residence: Documentation used for verification of primary residence includes, but is not limited to,
lease, paystubs, homestead exemption, utility bill(s), or driver’s license.
f. 2. Emergency Housing Repair & Housing Resilience Recipient Selection Criteria: Applicants will be ranked for
assistance based on a first-qualified, first-served basis, with the priorities for Special Needs, Essential Services
Personnel, and income groups as described in Section I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Emergency Housing Repair and Resilience to the
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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 the first option. If
applicable.
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 at the time of
qualification. 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. 1. Locally Declared Emergency Response Assistance- Sponsor Selection Criteria: N/A.
g. 2. Emergency Housing Repair & Housing Resilience Sponsor Selection Criteria: The County will issue a
notice of Grant Application for SHIP funding for Emergency Housing Repair and Resilience 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 the 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 eligibility/requirements
• Past performance evaluation
h. 1. Locally Declared Emergency Response Assistance-Additional Information: Residents using this strategy
during a locally declared emergency are required to submit a lease agreement or mortgage statement for each approved
local disaster event. Direct Payment(s) will be paid directly to the service provider, a licensed contractor, or a licensed
business on behalf of the applicant. The applicant may be reimbursed directly if they provide proof of payment and
invoice, and/or receipt. Manufactured homes constructed after June 1994 are considered eligible housing pursuant to
Section 420.9071 (9), Florida Statute. Residents will need to provide documentation to demonstrate a relationship and
direct impact on the locally declared emergency.
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The County reserves the right to inspect for compliance prior to reimbursement.
h. 2. Emergency Housing Repair & Housing Resilience Additional Information: Manufactured homes will be
eligible for housing assistance only if the home is owner-occupied, is affixed to the ground, and the land is (a) owned
and homesteaded by the occupant or (b) leased/rented by the homeowner. Manufactured homes constructed after June
1994 are considered eligible housing pursuant to Section 420.9071 (9), Florida Statute. The repairs must not exceed 90%
of the value of the existing property and residence, and all repairs are within existing codes for the property. For an
owner-occupied mobile or manufactured home on land that is leased, a State of Florida Vehicle Certificate of Title will
list the Collier County Board of County Commissioners on the title as the security interest in the unit.
Homeowners may receive up to $100,000 for rehabilitation expenses, up to 5% project delivery cost, and up to $15,000
for relocation, if necessary, and storage/moving expenses if necessary.
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.
2022-2025 LHAP adding clarifying language to the Disaster Assistance Strategy:
This Disaster Assistance strategy amendment proposes the following clarifying language as follows:
(h) Temporary mortgage payments and utility payments for up to for homesteaded homeowners who have
a direct financial impact by a disaster.
To support the Strategic Plan through Community Development, through affordable housing opportunities.
Code
5 &
16
FISCAL IMPACT: The proposed action does not have an impact on the General Fund. SHIP grant funds reside in
SHIP Fund (1053), under current Projects 33759, 33807, 33841, 33846, 33863, 33907 and 33938.
GROWTH MANAGEMENT IMPACT: There is no Growth Management impact associated with this Item.
LEGAL CONSIDERATIONS: This item has been reviewed by the County Attorney, is approved as to form and
legality, and requires a majority vote for Board approval. -JAK
RECOMMENDATIONS: That the Board adopt (1) a Resolution of the Board of County Commissioners establishing a
Local Disaster Program, and (2) a Resolution to approve a technical revision to Fiscal Years 2022-2025 and 2025-2028
State Housing Initiatives Partnership Local Housing Assistance Plan, adding local disaster response grant program
assistance language and clarifying language to the Disaster Assistance strategy. (SHIP Grant Fund 1053)
PREPARED BY: Kriti Sontag, Division Director - Community & Human Services; and
Jeffrey A. Klatzkow, County Attorney.
ATTACHMENTS:
1. 2022-2025 LHAP Board Approved 1.28.25 16.D2
2. 2025-2028 LHAP Approved 4.8.25 16D10
3. Tipping Waiver Resolution - Final
4. Collier County LHAP 2025-2028 Local Disaster strikethrough & Underline 5.16.25
5. 2022-2025Tech Rev_Local Disaster DR strikethrough & Underline 5.16.25
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Executive Summary
Recommendation to approve technical revisions and clarifying language to the Collier County State Housing
Initiatives Partnership Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and 2024-2025
Disaster Assistance and Rental Development strategies; and a SHIP FY 2021/2022 expenditure extension to
June 30, 2025. (SHIP Grant Fund 1053)
OBJECTIVE:
To further the County’s community development objectives to support comprehensive affordable housing
opportunities through a revised Local Housing Assistance Plan funded by the State Housing Initiatives
Partnership (SHIP).
CONSIDERATIONS:
On July 7, 1992, the William E. Sadowski Affordable Housing Act was signed into law to provide funding to
local communities through a documentary stamp tax on real estate transactions to promote affordable housing.
Under the program, Collier County and the City of Naples receive funds from the State to provide initiatives
to expand affordable housing opportunities. The Local Housing Assistance Plan (“LHAP”) identifies various
methods, or strategies, by which funds will be allocated and disbursed. The 2022-2025 LHAP was adopted on
April 26, 2022 (Agenda Item #16.D.3), later amended by technical revision on November 10, 2022, and
amended on July 23, 2024 ( Agenda Item #16.D.3).
1. This Disaster Assistance strategy amendment proposes the below-clarifying language as follows:
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, to include households that were displaced or financially impacted in another
disaster affected area and then relocated to Collier County after the disaster event. 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 the 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 and septic systems where public
water and/or sewer are not available.
d) Payment of insurance deductibles for rehabilitation of homes covered under homeowners’
insurance policies.
e) Security deposit and additional move-in deposits or fees listed in a lease for eligible recipients
who have been displaced from their homes due to a disaster or have experienced a financial impact
directly related to the storm.
f) Temporary Rental and/or relocation assistance for eligible recipients who have been displaced
from their homes due to a disaster or have experienced a financial impact directly related to the
storm.
g) Temporary Rental and/or relocation assistance for households with a mortgage that have been
displaced due to the disaster while their home is being repaired.
h) Temporary rent and utility payments for up to 12 months for tenants financially impacted by a
disaster.
i) (h) Temporary mortgage payments and utility payments for up to 12 18 months for
homesteaded homeowners directly financially impacted by a disaster.
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Temporary mortgage and utility payments for up to 12 months for homeowners financially
impacted by a disaster.
j) (i) Foreclosure prevention services and housing counseling
k) (j) Relocation and moving expenses, if necessary.
l) (k) One-time full premium payment of a new Homeowner’s and/or Flood Insurance Policy for
homeowners not covered under an insurance policy at the time of a disaster or those homeowners
who could not afford the renewal after the storm due to an insurance premium increase.
i. The homeowner must sign a Property Insurance deferral lien agreement in the amount of the
one-year premium.
ii. The debt, if not paid earlier, is due upon will be reduced on a pro-rated month-for-month basis
during the year, any unused months created by the upon the sale of the property, title transfer, home
is no longer primary residence, or is leased or rented within the one-year term, will immediately
become due to the County.
The full debt, if not paid earlier, is due upon if not paid earlier sale of the property, title transfer,
home is no longer primary residence, or is leased or rented within the one-year term.
iii. One-year term.
iv. Interest Rate (0%)
v. No Payments are required
m) (l) Hotel or Motel or short-term Rental (VRBO/Airbnb payments for up to 90 days for
recipients displaced and in need of temporary housing until their home and/or rental unit is repaired
OR a new unit is secured (Daily lodging rates will be pursuant to U.S General Services
Administration (GSA) published rates at the time of the Disaster)
n) (m) Rehabilitation/Hardening/Mitigation for owner-occupied residence [i.e., Roofs, Hurricane
Impact windows, storm shutters, and doors, installation of generators (special needs required, etc.)]
Under this activity, the maximum award amount shall not exceed $50,000.
o) (n) Strategies included in the approved LHAP that benefit applicants directly affected by the
declared disaster.
p) (o) Other activities as proposed by the county and approved by Florida Housing Finance
Corporation.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $25,000 per household, per declared disaster event. This may include a
combination of items listed in Disaster Assistance (a) through (m) (l), (o)(n), and (p) (o). This will be a
grant with no recapture terms. Item (l) recapture is specified above.
Maximum award: $50,000 per household. This includes Disaster Assistance item m n only. This
will be a grant with no recapture terms.
e. Terms:
1. Grant: Funds will be awarded as a grant with no recapture terms. Except for Item (l) recapture as
specified above.
The terms of an award under other strategies, if used in conjunction, will apply to the other strategies.
2. Interest Rate: N/A
3. Years in loan term: N/A
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4. Forgiveness: N/A
5. Default: N/A
2. This Rental Development strategy amendment is proposed to assist for-profit or non-profit
organizations with rising construction costs for the development of rental housing for income-eligible
households.
H. Rental Development Code 21
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: 1. The applicable dollar figure as determined annually by the Florida Housing
Finance Corporation for match contribution per developer whose application is approved through the Florida
Housing Finance Corporation for low-income housing tax credits.
2. $500,000 per development under 50 units
1,000,000
3. $1,000,000 per development with 50 units or less, that includes at
2,000,000 least 20% Special Needs units.
4. $1,500,000 per development with over 50 units
3,000,000
In addition, on September 10, 2024 (Item 16D7), the Board approved an extension for SHIP FY2021-2022
expenditures to close out the grant year by December 31, 2024. However, additional time is required to
complete the projects under the Owner-Occupied Rehabilitation program. The grantor, Florida Housing
Finance Corporation (FHFC) approved the Community and Human Services (CHS) Division’s request to
extend the spending deadline for FY 2021/2022 funding to June 30, 2025. FHFC’s approval letter, dated
December 3, 2024, is attached as a backup for this item. Once the projects are completed, the FY 2021/2022
closeout report will be presented.
a. Summary: Funds will be awarded to sponsors/developers of affordable rental
units for construction, impact fees, and land acquisition, and costs and to support financing to
augment 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.
FISCAL IMPACT:
Submission of the Local Housing Assistance Plan revisions HHRP allows Collier County to expend funds for
the fiscal year identified in this plan. SHIP HHRP grant funds reside in SHIP Fund (1053), Projects 33846.
The extension SHIP funds FY 2021/2022 reside in SHIP Fund (1053), project 33759.
GROWTH MANAGEMENT IMPACT: There is no Growth Management impact associated with this Item.
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Item # 16.3.2
I3# 202D42- 70
LEGAL CONSIDERATIONS:
This item has been reviewed by the County Attorney, is approved as to form and legality, and requires a
majority vote for Board approval. -JAK
RECOMMENDATIONS: To approve technical revisions and clarifying language to the Collier County State
Housing Initiatives Partnership Local Housing Assistance Plan for Fiscal Years 2022-2023, 2023-2024, and
2024-2025 Disaster Assistance and Rental Development strategies; and a SHIP FY 2021/2022 expenditure
extension to June 30, 2025. (SHIP Grant Fund 1053)
PREPARED BY:
Lisa N. Carr, Supervisor-Grants, Community and Human Services Division
ATTACHMENTS:
1. 2022-2025 LHAP Tech Rev_Rental Dev & DR Final clean
2. Resolution
3. FHFC Approval of Extension 6.30.25
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Collier County and the City of Naples
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2022-2023, 2023-2024, 2024-2025
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Table of Contents
Description Page #
Section I, Program Details 3
Section II, Housing Strategies 7
A. Purchase Assistance 7
B. Owner-Occupied Rehabilitation 9
C. Demolition and Replacement of Manufactured Housing 11
D. Disaster Assistance 13
E. New Construction Assistance 16
F. Rental Rehabilitation 18
G. Rental Acquisition 19
H. Rental Development 20
Section III, Incentive Strategies 22
A. Expedited Permitting 22
B. Ongoing Review Process 22
C. Other Incentive Strategies Adopted 23
Exhibits 24
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year
Covered in the plan
D. Signed LHAP Certification
E. Signed, dated, witnessed, or attested adopting resolution
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement
H. Short Sale Policy & Short Sale Application.
I. Essential Personnel Certification.
J. Subordination Policy & Subordination Request Form.
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Section I. Program Details:
A. LG(s)
Name of Local Government COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS
Does this LHAP contain an interlocal agreement? Yes
If yes, name of other local government(s) City of Naples
B. Purpose of the program:
x To meet the housing needs of the very low, low, and moderate-income households.
x To expand production of and preserve affordable housing; and
x To further the housing element of the local government comprehensive plan specific to affordable housing.
C. Fiscal years covered by the Plan: 2022-2023, 2023-2024, 2024-2025
D. Governance: The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and
Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes, rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership: The SHIP Program encourages building active partnerships between government,
lending institutions, builders and developers, not-for-profit and community-based housing providers and
service organizations, providers of professional services related to affordable housing, advocates for low-
income persons, real estate professionals, persons or entities that can provide housing or support services
and lead agencies of the local continuums of care.
F. Leveraging: The Plan is intended to increase the availability of affordable residential units by combining local
resources and cost saving measures into a local housing partnership and using public and private funds to
reduce the cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing
Finance Corporation programs and to provide local match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social service
providers and local lenders and neighborhood associations. Public input was further solicited through the
local newspaper in the advertising of the Local Housing Assistance Plan and the Notice of Funding Availability.
H. Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general circulation
and periodicals serving ethnic and diverse neighborhoods at least 30 days before the beginning of the
application period. If no funding is available due to a waiting list, no notice of funding availability is required.
For advertisements other than NOFAs, the County will accept applications during the dates specified in the
advertisement distributed via the County website, email or via the County procurement office.
I. Waiting List/Priorities: A waiting list will be established when there are eligible applicants for strategies that no
longer have funding available. Those households on the waiting list will be notified of their status. Applicants will
be maintained in an order that is consistent with the time completed applications were submitted as well as any
established funding priorities as described in this plan.
Applications will be accepted and approved on a first come, first-qualified basis with priority given to households
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with a special needs occupant, or other priorities that may be deemed by the program funder, Florida Housing
Finance Corporation.
When funds are available for a strategy, the applicants from the waiting list will be contacted to complete/update
the application for SHIP assistance. Applicants will be placed in the queue for assistance once they have provided
all required documentation and been deemed SHIP eligible.
Once there is a list of eligible applicants, they will be ranked in the following order. The following priorities for
funding listed here apply to all strategies unless otherwise stated in an individual strategy in Section II:
RANKING PRIORITY
1. Special Needs Households – Very low, low, and moderate–income households and persons
with special needs as defined in 420.0004 (13)
a) Very low
b) Low
c) Moderate
2. Essential Services Personnel
a) Very Low
b) Low
c) Moderate
3. After Special Needs Set-asides and after ESP applicants
a) Very Low
b) Low
c) Moderate
J. Discrimination : In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the
basis of race, color, religion, sex, national origin, age, handicap, or marital status in the award application
process for eligible housing.
K. Support Services and Counseling: Support services are available from various sources. Available support
services may include but are not limited to: Homeownership Counseling (Pre and Post), Credit Counseling,
Tenant Counseling and Foreclosure Counseling.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed 90% of the
average area purchase price in the statistical area in which the eligible housing is located. Such average area
purchase price may be that calculated for any 12-month period beginning not earlier than the fourth calendar
year prior to the year in which the award occurs. The sales price of new and existing units, which can be
lower but may not exceed 90% of the average area purchase price established by the U.S. Treasury
Department or as described above.
The methodology used is:
U.S. Treasury Department X
Local HFA Numbers
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M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program are
updated annually by the Department of Housing and Urban Development and posted at
www.floridahousing.org.
Affordable” means that monthly rents or mortgage payments including taxes and insurance do not exceed
30 percent of that amount which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual
household’s ability to devote more than 30% of its income for housing, and housing for which a household
devotes more than 30% of its income shall be deemed Affordable if the first institutional mortgage lender is
satisfied that the household can afford mortgage payments in excess of the 30% benchmark and in the case
of rental housing does not exceed those rental limits adjusted for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and selection criteria
for applications for Awards to eligible sponsors shall be developed, which includes a description that
demonstrates how eligible sponsors that employ personnel from the Welfare Transition Program will be given
preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental developments
shall annually monitor and determine tenant eligibility or, to the extent another governmental entity provides
periodic monitoring and determination, a municipality, county, or local housing financing authority may rely
on such monitoring and determination of tenant eligibility. However, any loan or grant in the original amount
of $10,000 or less shall not be subject to these annual monitoring and determination of tenant eligibility
requirements. Tenant eligibility will be monitored annually for no less than 30 years or the term of assistance
whichever is longer unless as specified above. Eligible sponsors that offer rental housing for sale before 30
years or that have remaining mortgages funded under this program must give a first right of refusal to eligible
nonprofit organizations for purchase at the current market value for continued occupancy by eligible persons.
P. Administrative Budget: A line-item budget is attached as Exhibit A. The city/county finds that the moneys
deposited in the local housing assistance trust fund are necessary to administer and implement the local
housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: “A county or an
eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing
body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is
insufficient to adequately pay the necessary costs of administering the local housing assistance plan.”
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further states: “The cost
of administering the program may not exceed 10 percent of the local housing distribution plus 5 percent of
program income deposited into the trust fund, except those small counties, as defined in s. 120.52(19), and
eligible municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of
program income for administrative costs.” The applicable local jurisdiction has adopted the above findings in
the resolution attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be performed by:
Entity Duties Admin. Fee
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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
ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are
considered first-time homebuyers). A single parent who has only owned a home with a former spouse while
married. An individual who is a displaced homemaker and has only owned with a spouse. An individual who
has only owned a principal residence not permanently affixed to a permanent foundation in accordance with
applicable regulations. An individual who has only owned a property that was not in compliance with state,
local or model building codes and which cannot be brought into compliance for less than the cost of
constructing a permanent structure.
S. Project Delivery Costs: In addition to the administrative costs listed above, the county or sponsor will charge
no more than 5% percent for project delivery cost to cover inspections and other eligible project delivery
activities performed by the county or non-county employees. The delivery cost will be included in the
maximum award to the applicant. Owner- Occupied Rehabilitation and Rental Rehabilitation will include, but
not limited to, such activities as: Inspections, work write-ups, recording fees, application & processing fees,
development of assessments and cost estimates.
T. Essential Service Personnel Definition (ESP): Collier County defines Essential Service Personnel as follows:
Those individuals employed in the community as teachers, educators, other school district employees,
community college and university employees, police and fire personnel, health care personnel, skilled building
trades personnel, and government employees.
U. Describe efforts to incorporate Green Building and Energy Saving products and processes: The County will,
when economically feasible, employ the following Green Building requirements on rehabilitation and
emergency repairs:
All housing rehabilitation and new construction will incorporate “green” standards including but not limited
to:
x Appliances replaced or installed shall be Energy Star.
x Doors and/or windows replaced or installed shall be Energy Star; and
x Any lighting fixture replaced or installed shall be Energy Star
Weatherization shall be incorporated into all homes rehabilitated including but not limited to
weatherization of the attic, floor insulation, if appropriate, and sealing of exterior walls. New construction
is presumed to meet the minimum insulation and sealing requirements. Any replaced or new HVAC unit
shall have a SEER rating of at least 14.
These requirements may be adjusted for rental developments if the requirement of other construction
funding sources requires a more prescriptive list.
Innovative design, green building principles, storm resistant construction or other elements that reduce long
term costs relating to maintenance, utilities or insurance may be encouraged.
Homeownership Education classes provide curriculum on cost cutting measures that homeowners can use to
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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
Disabilities, United Cerebral Palsy, Residential Options of Florida, Community Assisted and Supported Living,
etc. Additionally, advertisements in publications of general circulation may also be used.
Should efforts to attract special needs clients under the rehabilitation strategy not produce the amount
necessary to reach the set aside, persons meeting the definition of special needs may be assisted with other
approved LHAP strategies and counted towards the set-aside.
W. Describe efforts to reduce homelessness: Collier County supports the Continuum of Care (CoC) efforts to
simplify and broaden outreach and assessment for homeless persons in the County. Much of the outreach to
homeless persons is conducted at community events such as the Point in Time Count. Additionally, outreach is
conducted by the many caseworkers at community agencies, the Hunger and Homeless Coalition of Collier
County, schools, and other entities that encounter the homeless during service delivery or during their regular
course of business. Needs are assessed during these points of contact, and referrals are made as appropriate
for shelter, food, counseling, or other needs. The County works closely with a variety of agencies and local
resources utilized include federal ESG and the State SHIP funds.
Section II. LHAP Strategies:
A. Purchase Assistance without Rehabilitation Code 2
a. Summary: SHIP funds will be awarded to first-time homebuyers for down payment and
closing costs to purchase a newly constructed or an existing single-family home,
manufactured home, or condominium.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award*: Very Low: $85,000 ESP, $75,000 non-ESP
Low: $65,000 ESP, $55,000 non-ESP
Moderate: $55,000 ESP, $45,000 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
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4. Forgiveness: If all conditions have been met, the loan is forgiven entirely at the end of the 30-year
term. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan will be
forgiven.
5. Repayment: Monthly payments are not required
6. Default: The loan will be determined to be in default if any of the following occurs during the Loan
term: sale, transfer, or conveyance of property; conversion to rental property; or failure to occupy the
home as primary residence. If any of these occur, the outstanding balance will be due and payable.
Persons that qualify for SHIP assistance will be required to contractually agree to all SHIP program
guidelines, County SHIP mortgage requirements, repayment provisions, and certify that the unit
assisted will be their primary residence.
In addition to the above, the loan may be determined to be in default if any of the following occurs:
i. Sale: if proceeds are not enough to pay off the promissory note then the homeowner may
contact the County Regarding a settlement amount of the SHIP loan that is outlined in the
County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial sale, levy or
other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
If the home is foreclosed on by a superior mortgage holder, the County may try to recapture funds through the
legal process if it is determined that adequate funds may be available to justify pursuing a recapture.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on first-qualified, first-served
basis with the priorities for Special Needs, Essential Services Personnel, income groups as described in
Section I, Program Details, of this plan.
g. Sponsor Selection Criteria: N/A
h. Additional Information: Applicants must secure a first mortgage from a licensed mortgage lender.
Other requirements:
1. Manufactured homes constructed June 1994 forward are considered eligible housing pursuant to
Section 420.9071 (9), Florida Statute.
2. First mortgage must be at a fixed rate; no ARM’s, prepayment penalty, negative amortizations,
balloon loan, owner financing or other non-affordable loan terms are allowed.
3. A newly constructed home must have received a Certificate of Occupancy within the twelve months
prior to purchase. A manufactured home must be in place with all site requirements met and a valid
certificate of occupancy. Funding, which is provided as a subordinate mortgage loan, may be used for
down payment, closing costs and principle buy-down as needed for affordable home ownership.
4. Refinance may be allowed in accordance with the published “Subordination Policy”.
5. An applicant may submit a completed application for housing assistance to the County for a
determination of eligibility at any time. Applicants are required to provide all documentation
requested for income, eligibility, and qualification determination.
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6. Funds will be reserved and awarded to applicants that have met all the County requirements, are SHIP
Income Certified, and have a mortgage loan pre-approval from a participating Lender prior to
applying.
7. Applicants must attend a HUD approved Homebuyer Education Program and provide a copy of the
certificate to the Division prior to closing on a home. The certificate must be dated within one year of
income certification date.
8. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent residence card.
9. Asset Cap or liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00 upon
completion of their assistance. However, the Board of County Commissioners will have the authority
to suspend the asset cap/liquid assets in determining income qualifications during recovery from a
declared disaster.
B. Owner-Occupied Rehabilitation Code 3
a. Summary: SHIP funds will be awarded to households in need of repairs to correct code violations,
health, and safety issues, electrical, plumbing, roofing, windows, other structural items, and
relocation, if necessary. Assistance may include costs related to all eligible repairs, inspections, work
write-ups, recording fees and project delivery fees.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $62, 500 (up to $50,000 for rehabilitation expenses, $2,500.00 project delivery cost and
up to $10,000 for relocation expenses if necessary)
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note or Florida Department of Motor
Vehicle Title.
2. Interest Rate: 0%
3. Years in loan term: 15 years
4. Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will be forgiven in
five-year increments so that at the end of the fifteenth (15) year the loan is fully forgiven. In cases
where the qualifying homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during the Loan
term: sale, transfer, or conveyance of property; conversion to rental property; or failure to occupy the
home as primary residence. If any of these occur, the outstanding balance will be due and payable.
Persons that qualify for SHIP assistance will be required to contractually agree to all SHIP program
guidelines, County SHIP mortgage requirements, repayment provisions, and certify that the unit
assisted will be their primary residence.
In addition to the above, repayment of the loan is required in full when one of the following
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conditions is met, whichever occurs first:
i. Sale: if proceeds are not enough to pay off the promissory note, then the homeowner may
contact the County regarding a settlement amount of the SHIP loan that is outlined in the
County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial sale, levy or
other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
If the home is foreclosed on by a superior mortgage holder, the county may attempt to recapture funds through
the legal process if is determined that adequate funds may be available to justify pursuing a repayment.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on first-qualified, first served
basis with the priorities for Special Needs, Essential Services Personnel, income groups as described in
Section I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied Rehabilitation to the
County/Sponsor for determination of eligibility at any time. Applicants are required to provide all
documentation requested for income, eligibility, and qualification determination. Applicants will receive a
pre-approval letter and their file will be submitted to the Sponsor for unit eligibility.
1. Must provide proof of homeowner’s insurance or attestation of no insurance.
2. Property taxes must be current at the time of application and closing. Delinquent property
taxes are a basis for denial.
3. If applicable, must file a claim for and use proceeds from insurance and/or FEMA as first
option.
4. Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and, have applied for, or already be homesteaded as the primary residence. Owner-
occupied manufactured homeowners renting their lot may also apply for assistance.
5. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one
of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent residence
card.
6. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00
upon completion, rehabilitation assistance. However, the Board of County Commissioners
will have the authority to suspend the asset cap/liquid assets in determining income
qualifications during recovery from a declared disaster.
7. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to: homestead exemption, utility bill(s), or driver’s license.
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g. Sponsor Selection Criteria: N/A
h. Additional Information: Manufactured homes will only be eligible for housing assistance if owner
occupied, is affixed to the ground, the land is (a) owned and homesteaded by the occupant or (b)
leased/rented by the homeowner. Manufactured homes constructed June 1994 forward are considered
eligible housing pursuant to Section 420.9071 (8), Florida Statute. The repairs must not exceed 90% of the
value of the existing property and residence; and all repairs are within existing codes for the property. For
an owner-occupied mobile or manufactured home on land that is leased, a State of Florida Vehicle
Certificate of Title will list Collier County Board of County Commissioners on the title as the security
interest in the unit.
Homeowners may receive additional Rehabilitation funding provided it has been at least three (3) years
since the last rehabilitation. Disaster-related funding is exempt from this restriction.
C. Demolition and Replacement of Manufactured Housing Code 4
a. Summary: SHIP funds will be awarded to homeowners in need of demolition and replacement of
manufactured housing. This strategy will be used in lieu of rehabilitation when costs to repair the home are
determined to exceed 51% of the home’s value, as determined by the County. The goal is to prevent the
imminent displacement of homeowners due to distressed conditions, encourage revitalization and increase the
supply of safe, decent, and sanitary housing. Awards made under this strategy will not exceed 20% of the
County’s allocation.
The property site must be suitable for demolition/replacement. Loans for assistance may include costs
related to all eligible demolition activities, debris removal, permits, transportation, installation, inspections by
the sponsor, work write-ups, sales tax, recording fees and project delivery fees.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $175,000. (Up to $165,000 for construction, plus up to $10,000 for relocation
expenses)
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by
a recorded subordinate mortgage and note, or if the unit is on leased land, a security instrument in
accordance with the Florida Department of Motor Vehicle will be recorded.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions of the loan are met, one-third of the loan will be forgiven in ten-year
increments so that at the end of the thirtieth year the loan is forgiven. In cases where the qualifying
homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during the Loan
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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
other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified, first-served
basis with the priorities for Special Needs, Essential Services Personnel, income groups as described in
Section I, Program Details, of this plan.
g. Sponsor Selection Criteria: N/A
h. Additional Information:
An applicant shall submit a completed application for Demolition and Replacement Housing assistance to
the County for a determination of eligibility at any time. Applicants are required to provide all
documentation requested for income, eligibility, and qualification determination.
1. For manufactured homes not located on a leased or rental land, ownership must be a fee simple
estate at the time of closing with the name of the applicants on the title.
2. Property taxes must be current at the time of application and closing. Delinquent property taxes are
a basis for denial.
3. The value after replacement may not exceed the SHIP maximum allowable purchase price for existing
homes.
4. The replacement housing shall be consistent with the character of the household, neighborhood, and
area wide market conditions. The homeowner may choose the most suitable replacement housing to
meet their needs.
5. The existing home must be damaged or in disrepair to the extent that the home is condemned by
Collier County Growth Management Department, the Department of Health, or the County’s third-
party inspector/general contractor.
6. Must provide proof of homeowner’s insurance or attestation of no insurance.
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7. If applicable, must file a claim for and use proceeds from insurance as first option.
8. If applicable, must complete an FHFC approved “Disaster Self-Declaration of Income” form.
9. Where the unit and land are owned by the same person, the unit assisted must be owner-occupied
and have applied for, or already be homesteaded as the primary residence. Owner-occupied
manufactured homeowners renting their lot may also apply for assistance.
10. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent resident card.
11. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00 upon
completion of the demolition and replacement assistance. This asset cap applies to all SHIP
strategies. However, the Board of County Commissioners will have the authority to suspend the asset
cap/liquid assets in determining income qualifications during recovery from a declared disaster.
12. Primary Residence: Documentation used for verification of primary residence includes, but is not
limited to homestead exemption, utility bill(s), or driver’s license.
Additional SHIP funds can be used to bring building site and improvements up to Local, State, and Federal
requirements, Homeowner’s Association by-laws, and/or to adequately replace the amenities of the
existing home. These additional site improvement costs may include, but are not limited to geotechnical
surveys, engineering, concrete pilings/piers, septic system improvements, fill, sod, driveways, storage
sheds and any other requirements as noted above.
D. Disaster Assistance Code 5 & 16
a. Summary: Disaster Assistance aids households in incorporated or unincorporated Collier County in
the aftermath of a disaster as declared by the President of the United States or Governor of the State of
Florida, to include households that were displaced or financially impacted in another disaster affected
area and then relocated to Collier County after the disaster event. 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 the 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 and septic systems where public water
and/or sewer are not available.
d) Payment of insurance deductibles for rehabilitation of homes covered under homeowners’
insurance policies.
e) Security deposit and additional move-in deposits or fees listed in a lease for eligible recipients who
have been displaced from their homes due to a disaster or have experienced a financial impact directly
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related to the storm.
f) Temporary Rental and/or relocation assistance for eligible recipients who have been displaced from
their homes due to a disaster or have experienced a financial impact directly related to the storm.
g) Temporary Rental and/or relocation assistance for households with a mortgage that have been
displaced due to the disaster while their home is being repaired.
h) Temporary mortgage payments and utility payments for up to for homesteaded homeowners
directly financially impacted by a disaster.
i) Foreclosure prevention services and housing counseling
j) Relocation and moving expenses, if necessary.
k) One-time full premium payment of a Homeowner’s and/or Flood Insurance Policy for homeowners
not covered under an insurance policy at the time of a disaster or those homeowners who could not
afford the renewal after the storm due to an insurance premium increase.
i. The homeowner must sign a Property Insurance deferral lien agreement in the
amount of the one-year premium.
ii. The debt, will be reduced on a pro-rated month-for-month basis during the year,
any unused months created by the sale of the property, title transfer, home is no longer
primary residence, or is leased or rented within the one-year term, will immediately
become due to the County.
iii. One-year term.
iv. Interest Rate (0%)
v. No Payments are required
l) Hotel or Motel or short-term Rental (VRBO/Airbnb) payments for up to 90 days for recipients
displaced and in need of temporary housing until their home and/or rental unit is repaired OR a new
unit is secured (Daily lodging rates will be pursuant to U.S General Services Administration (GSA)
published rates at the time of the Disaster)
m) Rehabilitation/Hardening/Mitigation for owner-occupied residence [i.e., Roofs, Hurricane Impact
windows, storm shutters, and doors, installation of generators (special needs required, etc.)] Under this
activity, the maximum award amount shall not exceed $50,000.
n) Strategies included in the approved LHAP that benefit applicants directly affected by the declared
disaster.
o) Other activities as proposed by the county and approved by Florida Housing Finance Corporation.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $25,000 per household, per declared disaster event. This may include a combination
of items listed in Disaster Assistance (a) through (l), (n), and (o). This will be a grant with no recapture terms.
Item (l) recapture is specified above.
Maximum award: $50,000 per household. This includes Disaster Assistance item m only. This will be a
grant with no recapture terms.
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e. Terms:
1. Grant: Funds will be awarded as a grant with no recapture terms. Except for Item (l) recapture as
specified above.
2. The terms of an award under other strategies, if used in conjunction, will apply to the other
strategies.
2. Interest Rate: N/A
3. Years in loan term: N/A
4. Forgiveness: N/A
5. Default: N/A
f. Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-served basis with the
following additional requirements:
1. Must provide proof of homeowner’s insurance or attestation of no insurance, if applicable.
2. If applicable, homeowners must file a claim for and use proceeds from insurance and/or
FEMA as first option.
3. Must complete an FHFC approved “Disaster Self-Declaration of Income” form, if applicable.
4. Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and must 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 resident
card.
6. Primary Residence: Documentation used for verification of primary residence includes, but is
not limited to lease, paystubs, tax returns, homestead exemption, utility bill(s), or driver’s
license.
g. Sponsor Selection Criteria: N/A.
h. Additional Information: Residents using this strategy during a disaster recovery are required to submit
lease agreements, mortgage statements, past due notices or proper invoices and receipts as applicable
for each approved disaster activity above. Mortgage, Rent, Utility and Counseling payments will be made
directly to a landlord, financial institution, utility company or contracted community partner.
Reimbursement for other Disaster Assistance expenses will require invoices and paid receipts, proof of
insurance deductible and proof of FEMA funds, as appropriate. Payments will be made to the service
provider, community partner, or resident. Manufactured homes constructed June 1994 forward are
considered eligible housing pursuant to Section 420.9071 (8), Florida Statute. Residents will need to
provide documentation to demonstrate a relationship to the declared disaster.
The County reserves the right to inspect for compliance prior to reimbursement.
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E. New Construction Assistance Code 10
a. Summary: SHIP funds may be provided to organizations to be used for costs including, but limited to,
land acquisition, infrastructure, landscape and development costs, and all associated fees and permits
for single-family housing for resale to eligible home buyers in incorporated or unincorporated Collier
County. The units may be constructed on infill lots or as a part of a larger development. The funds
awarded to the Sponsor will be passed through to the eligible buyer as down payment assistance.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award (per unit for Sponsor and buyer): $75,000/unit
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 the 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
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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.
f. Home Buyer Selection Criteria- Sponsor shall identify applicants and provide the Application intake and
income certification of households applying for Construction Assistance, as specified in their agreement
with the County.
Applicants will be ranked for assistance based on a first-qualified, first-served basis with the priorities for
Special Needs, Essential Service Personnel and income group as described in Section I.
1. Applicants must complete a HUD approved Homebuyer Education Program and provide a copy of the
certification to the Sponsor prior to closing on a property. The certificate must be dated prior to the
SHIP award date and be good through closing.
2. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent resident card.
3. Asset Cap or Liquid Assets: All beneficiaries will be limited to a cash or liquid asset of $30,000.00 upon
completion of their new construction assistance. However, the Board of County Commissioners will
have the authority to suspend the asset cap/liquid assets in determining income qualifications during
recovery from a declared disaster.
g. Sponsor Selection Criteria – The County will issue notice of an ongoing Application for Construction
Assistance from non-profit/for profit organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor eligibility.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the application for
general conformance with the submission requirements. The evaluation phase will consist of an in-depth
review of the following:
x Compliance with SHIP regulations
x Project risk analysis
x Financial risk analysis
x Capacity and experience
x Project feasibility
x Adherence to SHIP eligibilities/requirements
x Past performance evaluation
h. Additional Information: N/A
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F. Rental Rehabilitation Code 14
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 as identified by the Collier County Property Appraiser. The
maximum rehabilitation per unit award amount is $30,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage, promissory note, and a land use restriction agreement placed on the property being
rehabilitated.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met the loan is forgiven at the end of the 30th year.
6. Default: Loan default will be triggered by any of the following actions:
i. Sale - if proceeds are not enough to pay off the mortgage note then the property owner (not-
for-profit or for profit or landlord) may contact the county regarding a settlement amount of
the SHIP loan.
ii. Title transfer - either voluntary or by operation of law, divested of title by judicial sale, levy or
other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance - a refinance of the first mortgage may be approved without repayment if the
request is submitted in writing and the refinance is at a lower fixed rate and/or term with no
cash out.
iv. Change in use - Property no longer serves the intended population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
g. Tenant Selection Criteria: Units receiving assistance must be reserved on a first-qualified, first-served
basis for income eligible residents.
h. Sponsor Selection Criteria: Non-profit/for-profit housing sponsors or landlords will be evaluated using
established evaluation and selection criteria.
CHS staff will evaluate each application submitted. In the initial phase staff will review the application for
general conformance with the submission requirements. The evaluation phase will consist of an in-depth
review of the following:
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x Compliance with SHIP regulations
x Project risk analysis
x Financial risk analysis
x Capacity and experience
x Project feasibility
x Adherence to SHIP eligibilities/requirements
x Past performance evaluation
i. Additional Information: Once the improvements are completed, the sponsor/landlord shall ensure all
eligible tenants who occupy the units on subject property, will be income qualified during the thirty (30)
year loan term.
Individual tenants seeking repairs on their individual rental units may not directly apply for assistance
from this strategy. The SHIP funds used in the rehabilitation rental program may be leveraged by public
and private sources.
G. Rental Acquisition Code 20
a. Summary: The program is designed to acquire rental units within Collier County. The
sponsor must purchase units in Collier County to create rental opportunities for very-low, low, and
moderate income tenants and Special Needs households as defined in 420.0004 (13).
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $500,000 per property, as identified by the Collier County Property Appraiser.
Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage, promissory note, and land use restriction agreement placed on the property acquired.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years.
6. Default: Repayment of the loan is required in full under the following conditions:
i. Sale: if proceeds are not enough to pay off the promissory note, then the property owner
non-profit or for-profit) may contact the County regarding a settlement amount of the SHIP
loan.
ii. Title transfer: either voluntarily or by operation of law, divested of title by judicial sale, levy
or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if the
request is submitted in writing and the refinance is at a lower fixed rate and/or term, with no
cash out
iv. Property will no longer serve the intended target population.
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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: Tenants will be selected on a first-qualified, first-served basis.
h. Sponsor Selection Criteria: Non-profit/for-profit housing sponsors will be evaluated using established
evaluation and selection criteria.
CHS staff will evaluate each application submitted. In the initial phase staff will review the application for
general conformance with the submission requirements. The evaluation phase will consist of an in-depth
review of the following:
x Compliance with SHIP regulations
x Project risk analysis
x Financial risk analysis
x Capacity and experience
x Project feasibility
x Adherence to SHIP eligibilities/requirements
x Past performance evaluation
i. Additional Information: Once the acquisition is completed, the sponsor shall ensure all eligible tenants
who occupy the units on subject property, will be income qualified on an annual basis during the twenty-
year loan term.
H. Rental Development Code 21
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: 1. The applicable dollar figure as determined annually by the Florida Housing
Finance Corporation for match contribution per developer whose application is
approved through the Florida Housing Finance Corporation for low-income
housing tax credits.
2. $1,000,000 per development under 50 units
a. Summary: Funds will be awarded to sponsors/developers of affordable rental units for
construction, impact fees, land acquisition, and costs to support financing to augment 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.
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3. $2,000,000 per development with 50 units or less, that includes at
least 20% Special Needs units.
4. $3,000,000 per development with over 50 units
e. Terms:
1. Repayment loan/deferred loan/grant: For-profit developers, funds will be awarded as a loan secured
by a recorded subordinate mortgage, promissory note, and land use restriction agreement, against
the property.
For non-profit developers, funds will be awarded as a forgivable loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the property.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness:
i. For for-profit developers, the loan is due and payable at the end of the term unless the County
negotiates an extended loan term to secure affordable rental units in the best interest of the
County’s residents.
ii. For Non-profit developers, one-third of the principal loan balance is forgiven every ten years
through the thirty (30) year term.
5. Repayment: Monthly payments are not required.
6. Default: For all awards, the outstanding balance will be due and payable, and a default will be
determined if any of the following occurs:
i. Sale: if proceeds are not enough to pay off the promissory note then the property owner
not-for-profit or for profit) may contact the county regarding a settlement amount of the
SHIP loan.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial sale, levy
or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if the
request is submitted in writing and the refinance is at a lower fixed rate and/or term with
no cash out.
iv. Property will no longer serve the intended target population.
Repaid funds are considered program income, a portion of which may be used for program administration.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
g. Tenant Selection Criteria: All applicants for residence in a SHIP-assisted unit must meet income
qualifications of the program as determined and reported by the developer for the development and will
be served on a first-qualified basis.
h. Sponsor Selection Criteria: Sponsors will apply to the County through an application or solicitation
process. The application/solicitation will require proof of developer experience in providing affordable
rental housing, proof of financial capacity, proof of ability to proceed once all funding is closed, and an
approved housing unit design plan that meets with the County’s housing element in the Comprehensive
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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.
i. Additional Information: Sponsors will be required to meet compliance reporting requirements on the
development necessary to meet the statutory requirements for monitoring of SHIP rental units.
Section III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives with the
policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3) for affordable housing projects are expedited to a greater
degree than other projects.
Provide a description of the procedures used to implement this strategy: The Collier County Board of
County Commissioners approved an AHAC recommended Incentive Strategy to expedite the development
review process for qualified affordable workforce housing. Expedited Permitting, or Fast Track, was
amended via Resolution 2018-40.
Initially, a qualification meeting is held with the developer/agent and Community and Human Services
CHS) staff to determine if the project meets the affordable housing requirements outlined in Res. 18-40.
Those projects that demonstrate compliance are issued a certificate of affordable housing to allow the
expedited review process for all aspects of the development. Planning and Zoning staff will provide
expedited status by assisting these developments first throughout the process from application through
Certificate of Occupancy.
B. Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations, and plan provisions that increase
the cost of housing prior to their adoption.
Provide a description of the procedures used to implement this strategy: Collier County requires all items
which have the potential to increase the cost of housing to be prepared and presented to the Collier
County Board of County Commissioners with the amount of the increase or decrease identified in the
executive summary. The executive summary must be prepared in official County format and include a
description of the Growth Management Impact and the Fiscal Impact.
The process, by which items are prepared for the BCC Agenda includes a vast approval hierarchy to ensure
that all proposed actions impacting affordable housing are reviewed on an ongoing basis. Furthermore,
the Collier County Affordable Housing Advisory Committee (AHAC) regularly forms subcommittees to
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2022-2023,2023-2024,2024-2025 LHAP BCC Approved: April 26, 2022, Agenda Item 16.D3
Technical Revision: November 10, 2022- NC
Technical Revision: July 23, 2024-PA,NC,RR,RA & Disaster
Technical Revision: January 28, 2025, Disaster & RD
23
review impediments to affordable housing, as well as new affordable housing incentives.
C. Other Incentive Strategies Adopted:
1. Increased Density for Affordable Housing – Collier County allows developers to request increased
density when including a certain percentage of affordable housing in the proposed development.
An Affordable Housing Density Bonus Agreement must be submitted and approved by the Collier
County Board of County Commissioners as provided for in the Collier County Land Development
Code, § 2.06.00. Improvements to the Affordable Housing Density Bonus (AHDB) program were
approved via Ordinance 2019-02.
2. Inventory of Locally Owned Public Lands Suitable for Affordable Housing.
Collier County prepares an inventory of all real property owned by Collier County that may be
appropriate for use as affordable housing in accordance with Sec. 125.379 F.S. every three years.
The Collier County Board of County Commissioners approved an AHAC recommended Incentive
Strategy to permit properties identified as appropriate for use as affordable housing to be offered
for sale and the proceeds used to purchase land for the development of affordable housing, or to
increase the local government fund (Housing Trust Fund) earmarked for affordable housing, or
may be sold with a restriction that requires the development of the property as permanent
affordable housing, or may be donated to a nonprofit housing organization for the construction of
permanent affordable housing.
There are currently two County-owned parcels of land (Bembridge and the Golden Gate Golf
Course) that are slated for future development of housing that is affordable in Collier County in
2022 and 2023.
Page 1802 of 3681Page 6379 of 7924
2022-2023,2023-2024,2024-2025 LHAP BCC Approved: April 26, 2022, Agenda Item 16.D3
Technical Revision: November 10, 2022- NC
Technical Revision: July 23, 2024-PA,NC,RR,RA & Disaster
Technical Revision: January 28, 2025, Disaster & RD
24
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan.
B. Timeline for Estimated Encumbrance and Expenditure.
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan.
D. Signed LHAP Certification.
E. Signed, dated, witnessed, or attested adopting resolution.
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement.
H. Short Sale Policy & Short Sale Application
I. Essential Personnel Certification.
J. Subordination Policy & Subordination Request Form .
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1
Lisa Carr
Subject:FW: SHIP 21/22 Extension Request
From: Lisa Carr <Lisa.Carr@colliercountyfl.gov>
Sent: Tuesday, December 3, 2024 3:23 PM
To: Kathy Cutler <Kathy.Cutler@floridahousing.org>
Cc: Robert Dearduff <Robert.Dearduff@floridahousing.org>; Kristi Sonntag <Kristi.Sonntag@colliercountyfl.gov>; Donald Luciano
Donald.Luciano@colliercountyfl.gov>; Vanessa Collier <Vanessa.Collier@colliercountyfl.gov>; Erica Robinson
Erica.Robinson@colliercountyfl.gov>; Lisa Weinmann <lisa.weinmann@colliercountyfl.gov>
Subject: RE: SHIP 21/22 Extension Request
Collier County thanks you for the FY 2021/2022 expenditure extension!
Lisa Carr
Supervisor - Grants
Community & Human Services
Office:239-252-2339
Lisa.Carr@colliercountyfl.gov
From: Kathy Cutler <Kathy.Cutler@floridahousing.org>
Sent: Tuesday, December 3, 2024 11:56 AM
To: Lisa Carr <Lisa.Carr@colliercountyfl.gov>
Cc: Robert Dearduff <Robert.Dearduff@floridahousing.org>; Kristi Sonntag <Kristi.Sonntag@colliercountyfl.gov>; Donald Luciano
Donald.Luciano@colliercountyfl.gov>; Vanessa Collier <Vanessa.Collier@colliercountyfl.gov>
Subject: FW: SHIP 21/22 Extension Request
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 is in receipt of your request for an expenditure extension for Collier County SHIP funds for the scal year 21/22.
Based on the informaon provided in the request, we nd that the request is reasonable and meets the standard required in 67-
37.005 (1)(f). The new expenditure deadline is June 30, 2025.
67-37.005 (1) (f) The funds deposited to the local housing assistance trust fund must be spent within twenty-four months from
the end of the applicable State scal year. Excepons to this me frame must be approved by the Corporaon SHIP Program
Administrator on a case-by-case basis. Excep ons will only be granted for good cause. Examples of good cause are natural
disasters, requirements of other State agencies, adverse market condi ons, and unavoidable development delays. Adequate
explanaon of the reasons for the requested extension as well as a meline for compleng the expenditure of funds must be
submied to the Corporaon before an extension will be approved, e.g., project status, work plan and comple on schedule,
Page 1835 of 3681Page 6412 of 7924
2
commitment of funds, etc. The Corporaon may require a local government requesng an expenditure extension to receive
technical assistance through the Catalyst program to evaluate the need for an extension.
Kathy Cutler
Special Programs Manager
Kathy.Cutler@floridahousing.org
p. 850.488.4197
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.
From: Lisa Carr <Lisa.Carr@colliercountyfl.gov>
Sent: Monday, December 2, 2024 1:23 PM
To: Robert Dearduff <Robert.Dearduff@floridahousing.org>
Cc: Kristi Sonntag <Kristi.Sonntag@colliercountyfl.gov>; Donald Luciano <Donald.Luciano@colliercountyfl.gov >; Vanessa Collier
Vanessa.Collier@colliercountyfl.gov>
Subject: SHIP 21/22 Extension Request
Hello Rob,
Please see the attached request for a final extension to our 21-22 allocation. If you have any questions, please feel free
to let me know.
Lisa Carr
Supervisor - Grants
Community & Human Services
Office:239-252-2339
Lisa.Carr@colliercountyfl.gov
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
Page 1836 of 3681Page 6413 of 7924
3
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.”
Page 1837 of 3681Page 6414 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
Collier County and the City of Naples
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2025-2026, 2026-2027, 2027-2028
1
Page 6415 of 7924
FY 2025-2028 Date: April 8,2025, Agenda Item 16.D 10
Table of Contents
Description Page II
Section I, Program Details 3
Section II, Housing Strategies 7
A.Purchase Assistance 7
B.Owner-Occupied Rehabilitation 9
C.Emergency Housing Repair & Housing Resilience 11
D.Demolition and Replacement of Manufactured Housing 14
E.Disaster Assistance 17
F.New Construction Assistance 19
G.Rental Rehabilitation 21
H.Rental Acquisition 22
I.Rental Development 24
J.Community Land Trust Acquisition & Development 26
Section Ill, Incentive Strategies 28
A.Expedited Permitting 28
8.Ongoing Review Process 29
C.Other Incentive Strategies Adopted 29
Exhibits 30
A.Administrative Budget for each fiscal year covered in the Plan
8.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.lnterlocal Agreement
1-1. Short Sale Policy & Short Sale Applica tion
I.Essential Personnel Certification
J, Subordination Policy & Subordination Request Form
K.Community Land Trust Acquisition & Development Instructions
2
Page 6416 of 7924
Section I. Program Details:
A LG(s)
Name of Local Government
Does this LHAP contain an interlocal
agreement?
If yes, name of other local government(s)
B.Purpose ofthe program:
FY 2025-2028
Date: April 8,2025, Agenda Item 16,D 10
COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS
Yes
City of Naples
•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's comprehensive plan spec ific to
affordable housing.
C.Fiscal years covered by the Plan: 2025-2026, 2026-2027, 2027-2028
D.Governance: The SHIP Program is established in accordance with Section 420.907-9079, Florida
Statutes and Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance
with these applicable statutes, rules, and any additional requirements as established through the
Legislative process.
E.Local Housing Partnership: The SHIP Program encourages building active partnerships between
government, lending institutions, builders and developers, not-for-profit and community-based
housing providers and service organizations, providers of professional services related to affordable
housing, advocates for low-income persons, real estate professionals, persons or entities that can
provide housing or support services, and lead agencies of the local continuums of care.
F.Leveraging: The Plan is intended to increase the availability of affordable residential units by
combining local resources and cost-saving measures into a local housing partnership and using
public and private funds to reduce the cost of housing. SHIP funds may be leveraged with or used to
supplement other Florida Housing Finance Corporation programs and to provide local match to
obtain federal housing grants or programs.
G.Public Input: Public input was solicited through face-to-face meetings with housing providers, social
service providers, local lenders, and neighborhood associations. Public input was solicited through
the local newspaper in the advertising of the Local Housing Assistance Plan and the Notice of
Funding Availability.
H.Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general
circulation and periodicals serving ethnic and diverse neighborhoods, at least 30 days before the
beginning of the application period. If no funding is available due to a waiting list, no not ice 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 not ified
3
Page 6417 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
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 b'e 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
grantor, Florida Housing Finance Corporation.
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 doc umentation and been deemed SHIP eligible.
Once there is a list of eligible applicants, they will be ranked in the following order. The following
priorities for funding listed here apply to all strategies unless otherwise stated in an individual
strategy in Section II:
RANKING PRIORITY
1.Special Needs Households-persons with special needs as defined in 420.0004 (13)
a)Very low
b)Low
c)Moderate
2, Essential Services Personnel
a)Very Low
b)Low
c)Moderate
3.After Special Needs Set-asides and after ESP applicants
a)Very Low
b)Low
c)Moderate
J, Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate
on the basis of race, color, religion, sex, national origin, age, handicap, or marital status in the award
application process for eligible housing.
I(. 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 percent {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 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 can be lower but may not exceed 90 percent (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 Ix
Local HFA Numbers I
4
Page 6418 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
M.Income Limits, Rent Limits anti Affordability: The Income and Rent Limits used in the SHIP Program
are updated annually by the Department of Housing and Urban Development and posted at
www.floridahousing.org.
"Affordable" means that monthly rents or mortgage payments including taxes and insurance do not
exceed 30 percent of that amount which represents the percentage of the median annual gross
income for the households as indicated in Sections 420.9071, F.S. However, it Is not the Intent to limit
an individual household's ability to devote more than 30% of its income to housing, and housing for
which a household devotes more than 30% of its income shall be deemed Affordable if the first
institutional mortgage lender is satisfied that the household can afford mortgage payments in excess
of the 30% benchmark and in the case of rental housing does not exceed those rental limits adjusted
for bedroom size.
N.Welfare Transition Program: Should an eligible sponsor be used, a qualification system and
selection criteria for applications for Awards to eligible sponsors shall be developed, which includes
a description that demonstrates how eligible sponsors that employ personnel from the Welfare
Transition Program will be given preference in the selection process.
O.Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
adminis trative 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 gran t 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 ass istance trust fund is necessary to administer and
implement the local housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: "A county
or an eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its
governing body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of
program income is insufficient to adequately pay the necessary costs of administering the local
housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further states:
"The cost of administering the program may not exceed 10 percent of the local housing distribution
plus 5 percent of program income deposited into the trust fund, except those small counties, as
defined in s. 120.52(19}, and eligible municipalities receiving a local housing distribution of up to
$350,000 may use up to 10 percent of program income for administrative costs." The applicable local
jurisdiction has adopted the above findings in the resolution attached as Exhibit E.
5
Page 6419 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
Q, Program Administration: Administration of the local housing assistance plan will be performed by:
Entity Duties Admin. Fee
Percentage
Local Government Collier County Government 10%
Third-Party Entity/Subrecipient
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 ending on the date of purchase of the property. This includes a spouse (if
either meets the above test, they are considered first-time homebuyers). A single parent who has
only owned a home with a former spouse while married. An individual who is a displaced
homemaker and has only owned with a spouse. An individual who has only owned a principal
residence not permanently affixed to a permanent foundation in accordance with applicable
regulations. An individual who has only owned a property that was not in compliance with state,
local, or model building codes and which cannot be brought into compliance for less than the cost of
constructing a permanent structure.
S.Project Delivery Costs: Project Delivery: In addition to the administrative costs listed above, the
County or Sponsor will charge a project delivery fee of no more than 5 percent (5%) to cover
inspections and other eligible project delivery activities performed by County or non-county
employees. This fee will be included in the maximum award to the applicant.
For Owner-Occupied Rehabilitation, Demolition, and Replacement of Manufactured Homes and
Emergency Housing Repair & Housing Resilience, project delivery costs may cover, but are not
limited to, the following activities: inspections, work write-ups, recording fees, application and
processing fees, development of assessments, and cost estimates. The project delivery fee is a flat
fee fixed price and is not attributable towards a Sponsor's employee's salary time and does not
require additional documentation to support payment.
T.Essential Service Personnel Definition (ESP): Collier County defines Essential Service Personnel as
follows: Those individuals employed in the community as teachers, educators, other school district
employees, community college and university employees, police and fire personnel, health care
personnel, skilled building trades personnel, and government employees.
U.Describe efforts to incorporate Green Building and Energy Saving products and processes: The
County will, when economically feasible, employ the following Green Building requirements on
rehabilitation and emergency repairs:
All housing rehabilitation and new con struction 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;
•Any lighting fixture replaced or installed shall be Energy Star;
•Weatherization shall be incorporated into all homes rehabilitated including but not limited
to weatherization of the attic; floor insulation, if appropriate; and sealing of exterior walls.
New construction is presumed to meet the minimum insulation and sealing requirements.
6
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FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
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 a 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, the
Agency for Persons with Disabilities, United Cerebral Palsy, Community Assisted and Supported
Living, etc. Additionally, advertisements in publications of general circulation may also be used.
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 SW
Florida Coalition on Homelessness, schools, and other not-for-profit social service 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 various agencies and local resources
utilizing federal ESG and State SHIP funds.
Section II. LHAP Strategies:
A.Purchase Assistance without Rehabilitation Code2
a.
b.
c.
d.
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.
Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
Income Categories to be served: Very low, low, and moderate
Mm<imum award: Very Low:
Low:
Moderate:
$110,000 ESP, $100,000 non-ESP
$ 90,000 ESP, $ 80,000 non-ESP
$ 80,000 ESP, $ 70,000 non -ESP
7
Page 6421 of 7924
e.Terms:
FY 2025-2028
Date: April 8,2025, Agenda Item 16,D 10
1.Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded subordinate mortgage and promissory note.
2.Interest Rate: 0%
3.Years in loan term: 30 years
4.Forgiveness: If all conditions have been met, the loan is forgiven entirely at the end of the
30-year term. In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan will be forgiven.
5, Repayment: Monthly payments are not required
6.Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
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 promissory note then the
homeowner may contact the County Regarding a settlement amount of the SHIP
loan that is outlined in the County's "Short Sale Policy",
ii.Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii.Refinance: may be allowed in accordance with the published "Subordination Policy",
iv.Home is no longer primary residence, abandoned, leased, or rented,
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
If the home is foreclosed on by a superior mortgage holder, the County may try to recapture funds
through the legal process if it is determined that adequate funds may be av ailable to justify pursuing a
recapture.
f.Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, 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 after June 1994 are considered eligible housing pursuant
to Section 420.9071 (9), Florida Statute.
2.First mortgage must be at a fixed rate; no ARMs, prepayment penalty, negative
amortizations, balloon loans, owner financing, or other non-affordable loan terms are
allowed.
8
Page 6422 of 7924
B.
FY 2025-2028 Date: April 8,2025, Agenda Item 16,D 10
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 Declaration and
Covenant site requirements t (carport, Shead, skirting, etc.), if applicable, and a valid
certificate of occupancy. Funding, which is provided as a subordinate mortgage loan, may be
used for down payment, closing costs, and principal buy-down as needed for affordable
home ownership.
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
determi nation 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 who have met all the County
requirements, are SHIP Income Certified, and have a mortgage loan pre-approval from a
participating Lender prior to applying.
7.Applicants must attend a HUD-approved Homebuyer Education Program and provide a copy
of the certificate to the Division prior to closing on a home. The certificate must be dated
within 12 months of the income certification date.
8.Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and/or permanent
residence card.
9.Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 at the time of closing. 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.
Owner-Occupied Rehabilitation Code 3
a.Summary: SHIP funds will be awarded to households needing 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: 2025-2026, 2026-2027, 2027-2028
c.Income Categories to be served: Very low, low, and moderate
d.Maximum award: $75,000
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, if the unit is on leased
land, a security instrument in accordance with the Florida Department of Motor Vehicles
Title will be recorded.
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
9
Page 6423 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
forgiven. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan
will be forgiven.
5.Repayment: Monthly payments are not required.
6.Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, repayment of the loan is required in full when one of the following
conditions is met, whichever occurs first:
i.Sale: if proceeds are not enough to pay off the promissory note, then the
homeowner may contact the County regarding a settlement amount of the SHIP
loan that is outlined in the County's "Short Sale Policy".
ii.Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii.Refinance: may be allowed in accordance with the published "Subordination Policy".
iv.Home Is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
If the home is foreclosed on by a superior mortgage holder, the county may attempt to
recapture funds through the legal process if is determined that adequate funds may be available
to justify pursuing a repayment.
f.Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied Rehabilitation to the
County/Sponsor for determina tion 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.
3.If applicable, must file a claim for and use proceeds from insurance and/or FEMA as the 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.
10
Page 6424 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
6.Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 upon completion, and 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: The County will issue a notice of Grant Application for SHIP funding
for Owner Occupied Repair assistance from non-profit/for-profit organizations,
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor eligibility,
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
h.Additional Information: 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 after June
1994 are considered eligible housing pursuant to Section 420.9071 (9), Florida Statute, The
repairs must not exceed 90% of the value of the existing property and residence, and all repairs
are within existing codes for the property. For an owner-occupied mobile or manufactured
home on land that is leased, a State of Florida Vehicle Certificate of Title will list Collier County
Board of County Commissioners on the title as the security interest in the unit.
C.
Homeowner award may include up to $75,000 for rehabilitation expenses, up to 5% project
delivery cost, and up to $15,000 for relocation expenses if necessary
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,
Emergency Housing Repair & Housing Resilience Code 6
a.Summary: SHIP funds will be awarded to owner-occupied households in need of rehabilitation,
and/or repair of their home related to a dire situation that needs to be mitigated immediately,
Eligible rehabilitation and repair are:
•Remediation of an immediate health hazard to the occupants;
•Elimination of a developing threat to the dwelling or infrastructure;
11
Page 6425 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
•Structural elevation, rehabilitation, impact windows, doors, and/or waterproofing of
the structure or critical components to comply with the local housing code and with
Chapter 553. F.S and;
•Improving the home's resilience to the impact of a future disaster.
SHIP funds may be awarded to applicants requiring emergency power generator
installation if 1) A member of the household meets the Special Needs set-aside criterion;
and 2) A written statement from a healthcare provider indicating that electricity is a bona
fide medical necessity.
Proof of insurance claim must be submitted, if applicable. SHIP funds may also be awarded
to pay the Homeowner's Insurance Policy and/or Flood Insurance Policy for one year, if no
insurance is in place at the time of the award. Homeowner's insurance and Flood insurance
is a grant with no recapture terms.
SHIP funds may be used to assist with the payment of relocation and storage/moving costs
associated with the rehabilitation of the residence.
b.Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c.Income Categories to be served: Very Low, and Low
d.Maximum award: $100,000
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: 15 years·
4.Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will be
forgiven in five-year increments so that at the end of the fifteenth (15) year the loan is fully
forgiven. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan
will be forgiven.
5.Repayment: Monthly payments are not required.
6.Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
repayment provisions, and certify that the unit assisted will be their primary residence.
In addition to the above, repayment of the outstanding balance is required in full when one of
the following conditions is met, whichever occurs first:
i.Sale: if proceeds are not enough to pay off the promissory note, then the
homeowner may contact the County regarding a settlement amount of the SHIP
loan that is outlined in the County's "Short Sale Policy".
ii.Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
12
Page 6426 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
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.
f.Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and in come
groups as described in Section I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Emergency Housing Repair and
Resilience 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 the first
option. If applicable.
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 at the time of qualific ation .. 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: The County will issue a notice of Grant Application for SHIP funding
for Emergency Housing Repair and Resilience 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:
13
Page 6427 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
h.Additional Information: Manufactured homes will be eligible for housing assistance only if the
home is owner-occupied, is affixed to the ground, and the land is (a) owned and homesteaded
by the occupant or (b) leased/rented by the homeowner. Manufactured homes constructed
after June 1994 are considered eligible housing pursuant to Section 420.9071 (9), 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 prope rty. For an owner-occupied mobile or
manufactured home on land that is leased, a State of Florida Vehicle Certificate of Title will list
Collier County Board of County Commissioners on the title as the security interest in the unit.
D.
Homeowners may receive up to $100,000 for rehabilitation expenses, up to 5% project delivery
cost, and up to $15,000 for relocation, if necessary, and storage/moving expenses if necessary.
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.
Demolition and Replacement of Manufactured Housing Code4
a.Summary: SHIP funds will be awarded to homeowners in need of demolition and replacement of
manufactured housing. This strategy will be used in place of rehabilitation when costs to repair
the home are determined to exceed 51% of the home's value, as determined by the Collier
County Property Appraiser office or the structure must be certified by the SHIP inspector as not
suitable for rehabilit ation. 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.
i.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.
ii.Costs may include a one-time annual premium payment of a Homeowner's insurance
and/or Flood Insurance Policy for homeowners not covered under an insurance po licy at
the time of home replacement.
b.Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c.Income Categories to be served: Very low, low, and moderate
14
Page 6428 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
d.Ma,<imum award: $200,000.
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 Vehicles will be
recorded.
2.Interest Rate: 0%
3.Years In loan term: 30 years
4.Forgiveness: If all conditions of the loan are met, one-third of the loan will be forgiven in
ten-year increments so that at the end of the thirtieth year the loan is forgiven. In cases
where the qualifying homeowner(s) die(s) during the loan term, the loan will be forgiven.
5.Repayment: Monthly payments are not required.
6.Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary re sidence. If any of these occur, the outstanding
balance will be due and payable. Persons who qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
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 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
reca pture funds through the legal process if is determined that adequate funds may be available
to justify pursuing a repayment.
f.Recipient Selection Criteria: Appl icants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, Program Details, of this plan.
g.Sponsor Selection Criteria: The County will issue a Request for Proposals for SHIP funding for
demolition and replacement of manufactured housing from non-profit/for-profit organizations.
Sponsor organizations must submit a proposal and provide any related information, specified by
the SHIP Administrator, to be used for evaluation of sponsor eligibility.
15
Page 6429 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16,D 10
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
h.Additional Information:
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 leased or rental land, ownership must be a fee
simple estate at the time of closing with the name of the applicants on the title.
2.Property taxes must be current at the time of application and closing. Delinquent property
taxes are a basis for denial.
3.The value after replacement may not exceed the SHIP maximum allowable purchase price
for existing homes.
4.The replacement housing shall be consistent with the replacement housing shall be
consistent for the family household size and meet all requirements of the management or
association covenants or bylaws. The homeowner may choose the most suitable
replacement housing to meet their needs.
5.The existing home must be damaged or in disrepair to the extent that the home is
condemned by Collier County Growth Management Community Development 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 the first option.
8.If applicable, must complete an FHFC-approved "Disaster Self-Declaration of Income" form,
if this strategy is used during a declared disaster.
9.Where the unit and land are owned by the same person, the unit assisted must be owner
occupied and have applied for, or already be homesteaded as the primary residence.
Owner-occupied manufactured homeowners renting their lot may also apply for assistance.
10.Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent
residence card.
11.Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 upon completion of the demolition and replacement assistance. This asset cap
applies to all SHIP strategies. However, the Board of County Commissioners will have the
authority to suspend the asset 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 blll(s), or driver's license.
13.Homeowner may receive up to $200,000 for construction, 5% for project delivery, and up to
16
Page 6430 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
$15,000 for relocation/moving/storage expenses, and $10,000 for Homeowners' and/or
flood insurance if necessary
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.
Disaster Assistance I Codes 5 & 16
a.Summary: Disaster Assistance aids households in incorporated or unincorporated Collier Cou nty
in the aftermath of a disaster as declared by the President of the United States or Governor of the
State of Florida, to include households that were displaced orfinancially impacted In another
disaster-affected area and then relocated to Collier County after the disaster event. 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 the Florida Housing Finance
Corporation. SHIP disaster funds may be used for items such as, but not limited to:
1.Purchase of emergency supplies for eligible households to weatherproof damaged homes.
2.Interim repairs to avoid further damage; tree and debris removal required to make the
individual housing unit habitable.
3.Construction of wells and septic or repair of existing wells and septic systems where public
water and/or sewer are not available.
4.Payment of insurance deductibles for rehabilitation of homes covered under homeowners'
insurance policies.
5.Security deposit and additional move-in deposits or fees listed in a lease for eligible recipients
who have been displaced from their homes due to a disaster or have experienced a financial
impact directly related to the storm.
6.Temporary Rental and/or relocation assistance for eligible recipients who have been
displaced from their homes due to a disaster or have experienced a financial impact directly
related to the storm.
7.Temporary Rental and/or relocation assistance for households with a mortgage that have
been displaced due to the disaster while their home is being repaired. This may be in Collier
County or outside Collier County due to limited availability post-disaster.
8.Temporary mortgage payments and utility payments for homesteaded homeowners directly
financially impacted by a disaster.
9.Foreclosure prevention services and housing counseling.
10.Relocation and moving expenses, if necessary.
11.One-time full premium payment of a Homeowner's and/or Flood Insurance Policy for
homeowners not covered under an insurance policy at the time of a disaster.
12.Hotel or Motel or short-term Rental (VRBO/Airbnb payments for up to 90 days) for recipients
displaced and in need of temporary housing until their home and/or rental unit is repaired OR
a new unit is secured (Daily lodging rates will be pursuant to U.S General Services
Administration (GSA) published rates at the time of the Disaster). This may be provided in
Collier County or outside due to limited availability post-disaster.
13.Strategies included in the approved LHAP that benefit applicants directly affected by the
17
Page 6431 of 7924
FY 2025-2028 Date: April 8,2025, Agenda Item 16,D 10
declared disaster. Below see reference f.3. for disaster income "Disaster Self-Declaration of
Income" requirements.
14.Other activities as proposed by the county and approved by Florida Housing Finance
Corporation.
b.Fiscal Years Covered: 2025-2026, 202602027, 2027-2028
c.Income Categories to be Served: Very low, low, and moderate
cl.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.lnterestRate: N/A
3, Years in loan term: N/ A
4.Forgiveness: N/A
5.Default: N/A
f.Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-served basis
with the following additional requirements:
1.Must provide proof of homeowner's insurance or attestation of no insurance, if applicable.
2.If applicable, homeowners must file a claim for and use proceeds from insurance and/or
FEMA as the 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, Permanent Residency Status or qualified non-citizens as
aligned with FEMA. All borrowers must submit one of the following: U.S. Passport, U.S. Birth
Certificate, U.S. naturalization document, permanent resident card or proof of immigration
status.
5.Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to lease, paystubs, homestead exemption, utility bill(s), or driver's license.
g, Sponsor Selection Criteria: N/ A.
h.Additional Information: Residents using this strategy during a disaster are required to submit
lease agreements, mortgage statements, past due notices if impacted by a disaster 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
18
Page 6432 of 7924
a.
b.
c.
d.
e.
FY 2025-2028
Date: April 8,2025, �genda Item 16.D 10
company or contracted community partner. Reimbursement for other Disaster Assistance
expenses will require invoices and paid receipts, proof of insurance deductible, and proof of
FEMA funds, as appropriate. Payments will be made to the service provider, community partner,
or resident. Manufactured homes constructed after June 1994 are considered eligible housing
pursuant to Section 420.9071 (9), Florida Statute. Residents will need to provide documentation
to demonstrate a relationship and direct impact to the declared disaster, such as an approved
FEMA letter, building permits, proof of loss of property, and/or loss of income
The County reserves the right to inspect for compliance prior to reimbursement.
New Construction Assistance Code 10 I
Summary: SHIP funds may be provided to organizations to be used for costs including, but not
limited to, land acquisition, infrastructure, landscape and development costs, and all associated
fees and permits for single-family housing for resale to eligible home buyers in incorporated or
unincorporated Collier County. The units may be constructed on infill lots or as a part of a
larger development. The funds awarded to the Sponsor will be passed through to the eligible
buyer as down payment assistance.
Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
Income Categories to be served: Very low, low, and moderate
Maximum award (per unit for Sponsor and buyer): $100,000/unit
Terms: -For the Sponsor:
1.Repayment loan/grant: Deferred Loan secured by a note and mor tgage.
2.Interest Rate: 0%
3.Years in loan term for Sponsor: 18 months
4.Forgiveness: The Sponsor's obligation is forgiven upon the 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
18 months 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.
19
Page 6433 of 7924
FY 2025-2028 Date: April 8,2025, Agenda Item 16,D 10
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 a primary residence. If any of these
occur, the outstanding balance will be due and payable. Persons who qualify for SHIP
assistance will be required to contractually agree to all SHIP program guidelines, County
SHIP mortgage requirements, and 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. 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.
f.Home Buyer Selection Criteria• Sponsor shall identify applicants and provide the Application
intake and income certification of households applying for Construction Assistance, as specified
in their agreement with the County.
Applicants will be ranked for assistance based on a first-qualified, first-served basis with the
priorities for Special Needs, Essential Service Personnel and income group as described in
Section I.
1.Applicants must complete a HUD approved Homebuyer Education Program �nd 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
residence card.
3.Asset Cap or Liquid Assets: All beneficiaries will be limited to a cash or liquid asset of
$30,000.00 upon completion of their new construction assistance, However, the Board of
County Commissioners will have the authority to suspend the asset cap/liquid assets in
determining income qualifications during recovery from a declared disaster.
g.Sponsor Selection Criteria -The County will issue a notice of an ongoing Application for
Cons truction 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.
20
Page 6434 of 7924
FY 2025-2028 Date: April 8,2025, Agenda Item 16.D 10
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
h.Additional Information: N/A
a.
b.
c.
d.
Rental Rehabilitation I Code 14
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/or
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.
Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
Income Categories to be served: Very low, low, and moderate
Maximum award: $300,000-Single-Family -1 to 4 dwelling units, $75,000 per unit
$1,000,000-Multi-Family-5 or more dwelling units, $50,000 per unit
•1-4 units assisted: 1 special needs, 1 Very Low-income person
•5-10 units assisted: 2 special needs, 3 very low income and 2 low Income
•11-20 units assisted: 3 special needs, 4 very low, 3 low income
•20 or more units assisted: 4 special needs, 6 very low income and 5 low income
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 301"
year.
6.Default: Loan default will be triggered by any of the following actions:
i.Sale -if proceeds are not enough to pay off the mortgage note then the property
21
Page 6435 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
owner (not-for-profit or for-profit or landlord) may contact the county regarding a
settlement amount of the SHIP loan.
ii.Title transfer -either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii.Refinance - a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term with no cash-out.
iv.Change in use -Property no lon ger 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)(1) Florida Statutes.
g, Tenant Selection Criteria: Units receiving assistance must be reserved on a first-qualified, first
served basis for income-eligible residents. Sponsor will be required to assist the minimum
number of special need, low and very low-income persons in accordance with the table in
section d-. Maximum award.
h.Sponsor Selection Criteria: Non-profit/for-profit housing sponsors or landlords will be evaluated
using established evaluation and selection criteria.
Cl-IS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
i.Additional Information: Once the improvements are completed, the sponsor/landlord shall
ensure all eligible tenants who occupy the units on the subject property, will be income
qualified during the thirty (30) year loan term.
a.
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.
Rental Acquisition J Code 20
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-, -
22
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FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
income tenants and Special Needs households as defined in 420.0004 (13).
b.Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c.Income Categories to be served: Very low-income, and low-income
d.Maximum award: $ 1,000,000 per property, as identified by the Collier County Property
Appraiser.
e.Terms:
•1-4 units assisted: 1 special needs, 1 Very Low-income person
•5-10 units assisted: 2 special needs, 3 very low income and 2 low income
•11-20 units assisted: 3 special needs, 4 very low, 3 low income
•21 or more units assisted: 4 spe cial needs, 6 very low income and 5 low income
1.Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a
subordinate mortgage, promissory note, and land use restriction agreement placed on the
property acquired.
2.Interest Rate: 0%
3.Years in loan term: 30 years
4.Repayment: Monthly payments are not required.
5.Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years.
6.Default: Repayment of the loan is required in full under the following conditions:
i.Sale: if proceeds are not enough to pay off the promissory note, then the property
owner (non-profit or for-profit) may contact the County regarding a settlement
amount of the SHIP loan.
ii.Title transfer: either voluntarily or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii.Refinance: a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term, with no cash-out.
iv.Property will no longer serve the intended target population.
f.Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
g.Tenant Selection Criteria: Tenants will be selected on a first-qualified, first-served basis.
Sponsor will be required to assist the minimum number of special need, low and very low
income persons in accordance with the table below however, the County reserves the right to
request additional units.
h.Sponsor Selection Criteria: Non-profit/for-profit housing sponsors will be evaluated using
established evaluation and selection criteria.
23
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FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
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 e><perience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
i, Additional Information: Once the acquisition is completed, the sponsor shall ensure all eligible
tenants who occupy the units on the subject property will be income-qualified on an annual
basis during the thirty-year (30) loan term.
I.
a.
b.
C,
d.
This strategy may be used with Strategy G, Rental Rehabilitation.
Rental Development J Code 21 I Summary: Funds will be awarded to developers of affordable rental units for construction,
impact fees, 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 propos ed that includes Special Needs units, the County
may choose to provide a larger amount of the overall financing.
Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
Income Categories to be served: Very low, low, and moderate
Maximum award:
1.$1,000,000 per development with 50 units or less, which includes at least two (2) special
needs units, at least four (4) 50% AMI very low-income units and the remaining units at
120% AMI low-income units.
2.$1,500,000 per development with 50 units or less, which includes at least three (3) Special
Needs units, at least eight (8) 50% AMI very low-income units and the remaining units at
120% AMI low-income units
3.$2,000,000 per development with over 50 units, which includes at least six (6) Special
Needs units, at least ten (10) 50% AMI very-low-income units and the remaining units at
120% AMI low-income units.
e.Terms:
1.Repayment loan/deferred loan/grant:
a.For-profit developers, funds will be awarded as a loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the
24
Page 6438 of 7924
property.
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
b.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 a'n extended loan term to secure affordable rental units in
the best interest of the County's residents.
ii.For Non-profit developers, one-third of the principal loan balance is forgiven every
ten years through the thirty (30) year term.
5.Repayment: Monthly payments are not required.
6.Default: For all awards, the outstanding balance will be due and payable, and a default will
be determined if any of the following occurs:
i.Sale: if proceeds are not enough to pay off the promissory note then the property
owner (not-for-profit or for-profit) may contact the county regarding a settlement
amount of the SHIP loan.
Ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
iii.Refinance: a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term with no cash-out.
iv.Property will no longer serve the intended target population.
Repaid funds are considered program income, a portion of which may be used for program
administration.
f.Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
g.Tenant Selection Criteria: All applicants for residence in a SHIP-assisted unit must meet the
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 a lack of available units.
b.Propose to preserve and improve existing units.
All funding awards will be subject to closing on other funding sources.
25
Page 6439 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
I.Additional Information: Sponsors will be required to meet compliance reporting requirements
on the development necessary to meet the statutory requirements for monitoring of SHIP rental
units.
J.
a.
b.
c.
cl.
e.
Community Land Trust Acquisition & Development Code 9,10
Summary: Summary: Funds will be awarded to Community Land Trust (CLT) as a cost pay do wn
reducing the base sales price for or the acquisition of new and e,<isting homes that are sited on
land that is, or will be, owned by a CLT. Assisted homes will be for sale to eligible first-time
homebuyers. Funds may be used for acquisition (including land), soft costs, financing, buydown,
developer fees, and all other eligible acquisition costs.
Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
Income Categories to be served: Very low, Low
Maximum award: $400,000: $250,000 for the purchase of existing single-family home(s) and
$150,000 for land acquisition
Terms -Sponsor Terms:
1.Repayment loan/deferred loan/grant: Funds will be awarded as deferred payment loans
secured by recorded LURA, mortgages, and notes.
a.SHIP funds will be awarded as a deferred loan secured by a recorded mortgage and note
for the acquisition, and other eligible costs related to the acquisition, and improvements
(home), not to include the underlying land, 100% shall be converted to a mortgage and
retained as a permanent subsidy to the benefit of the eligible initial and subsequent
buyer.
b.When applicable, SHIP funds will be awarded as a deferred loan secured by a recorded
mortgage and note for the acquisition of the underlying land, which will not be
converted into a mortgage with the eligible buyer and will be forgiven =to be retained as
permanent subsidy for future buyers. The value of the land for award purposes shall be
determined by the purchase price of the land and the number of units sited/constructed
on the land.
2.Interest Rate: 0%
3.Years in loan term: 18 months
4.Forgiveness: If the loan(s) is In good standing upon the sale of the property to an eligible
homebuyer, the County will release the lien and any restrictive covenant(s) with the
Sponsor/CLT.
5.Repayment: Full payment of the loan is due upon the earlier of:
a.The house is not sold to an eligible buyer prior to the end of the 18 months loan term;
or
b.If the Sponsor/CLT sells or divests title to the land.
6.Default: The loan(s) will be in default if the Sponsor/CLT fails to construct and sell the
26
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FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
assisted unit(s) to an eligible buyer and execute a ground lease within the contractual
timeframe. The County will recapture the subsidy and/or property if the housing has not
been completed within the term of the recorded Mortgage Agreement(s). Full payment of
the loan is due upon the earlier of:
The house is not sold to an eligible buyer prior to the end of the 18-month loan term; or
Full payment is required when the house is sold to an eligible buyer. If the Sponsor/CLT sells
or divests title to the land.
Terms -Recipient
1.Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded mortgage and note totaling SHIP cost associated with the acquisition,
development, and other eligible costs related to the improvements (home), that is
assumable or originates as new at resale by each subsequent income qualified purchaser
with prior approval by the CLT. The security interest provided shall be solely on the home
and improvements, not the underlying land.
2.Interest Rate: 0%
3.Years in loan term: 30 years Forgiveness: If the loan remains in good standing, assistance
will be forgiven at the end of the loan term but will be retained as a permanent subsidy via
the CLT ground lease which will survive the term of the loan and will address the
requirements for residency, resale price, subsequent buyer's income eligibility as well as to
assure that units served remain affordable in perpetuity.
4.Repayment: Not required if the loan is in good standing.
5.Default: The loan will be determ ined to be in default If any of the following occurs:
•Sale, transfer, or conveyance of the property to a buyer that was not pre
approved or deemed eligible pursuant to the requirements of this strategy by
the CLT.
•However, it shall not be an event of default if the loan is assumed by an income
eligible homebuyer, if the assumed loan is reflected in the contract for sale, and
if the sale is approved by the CLT to ensure the assisted home remains
affordable in perpetuity.
•Conversion to a rental property.
•Loss of homestead exemption status or failure to occupy the home as primary
residence,
•Unit is refinanced (includes home equity loans or lines of credit) without prior
authorization from the CLT.
•In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan may be assumed by an eligible heir who will occupy the home as a primary
residence as established in the ground lease. If the legal heir does not comply or
qualify, the heir may, within six months of becoming legal owner, sell the unit at
the resale restricted price to an income-eligible buyer who can assume the
mortgage and note, as approved by the CLT. Otherwise, the transfer of
ownership is considered default, and the outstanding balance will be due and
payable.
If any of these occur, the outstanding balance will be due and payable unless otherwise
noted.
27
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FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
If a superior mortgage holder accelerates the loan or forecloses upon the home, the County
will attempt to obtain repayment of funds via the legal process if the County determines
that adequate funds may be available to justify pursuing repayment.
f.Recipient Selection Criteria:
1.Applicants will be ranked for assistance based first on priorities established in part "I" of the
first section of this plan and then on a first-qualified, first-served basis.
2.CLT homebuyers must complete a homebuyer education class that contains a community
land trust component and/or session with the CLT in addition to a homebuyer education
class that requires CLT buyers to demonstrate and attest to a clear understanding of the
terms of community land trust homeownership.
3.First mortgage lender approval, if applicable.
g.Sponsor Selection Criteria: Applications from potential sponsors/Cl Ts will be reviewed on an
ongoing basis. The criteria to select sponsors may include, but is not limited to, the following:
1.Community land trusts that meet the definition of a "community land trust" under section
193.018 of the Florida Statutes. Preference will be given to CL Ts who have been certified or
are in the process of certification by the Florida Community Land Trust Institute.
2.Quantity and quality of experience in affordable housing development;
3.Experience in developing and/or stewarding CLT homes for permanent affordability;
4.Financial strength of the sponsor, including the ability to leverage funds from other sources;
5.Ability of the sponsor to complete the project by deadlines established by the City/County;
and
6.Capacity of the sponsor; and
7.Contract for sale/conveyance or site control.
h.Aclclitional Information:
Subsidy for the acquisition, development, construction and rehabilitation of units, new or
e>cisting, will be awarded at the maximum amount to reduce the base price dollar-for-dollar for
initial and subsequent homebuyers via the CL Ts stewardship of the ground lease.
This type of assistance may first require that the CLT take ownership of the property (land &
existing improvements) and sell the improvements and enter into a ground lease with the
eligible buyer.
Please see Exhibit K for additional instructions and information for CLT purchases.
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.
28
Page 6442 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
Provide a description of the procedures used to implement this strategy: The Collier County
Board of Co unty Commissioners approved an AHAC recommended Incentive Strategy to
e>cpedite the development review process for qualified affordable workforce housing. Expedited
Permitting, or Fast Track, was amended via Resolution 2018-40.
Initially, a qualification meeting is held with the developer/agent and Community and Human
Services (CHS) staff to determine if the project meets the affordable housing requirements
outlined in Res. 18-40. Those projects that demonstrate compliance are issued a certificate of
affordable housing to allow the expedited review process for all aspects of the development.
Planning and Zoning staff will provide expedited status by assisting these developments first
throughout the process from application through Certificate of Occupancy.
B.Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations, and plan provisions that
increase the cost of housing prior to their adoption.
Provide a description of the procedures used to implement this strategy: Collier County requires
all items that have the potential to increase the cost of housing to be prepared and presented to
the Collier County Board of County Commissioners with the amount of the increase or decrease
identified in the executive summary. The executive summary must be prepared in official
County format and include a description of the Growth Management Impact and the Fiscal
Impact.
The process, by which items are prepared for the BCC Agenda includes a vast approval hierarchy
to ensure that all proposed actions impacting affordable housing are reviewed on an ongoing
basis. Furthermore, the Collier County Affordable Housing Advisory Committee (AHAC) regularly
forms subcommittees to review impediments to affordable housing, as well as new affordable
housing incentives.
C.Other Incentive Strategies Adopted:
1.Increased Density for Affordable Housing -Collier County allows developers to request
increased density when including a certain percentage of affordable housing in the
proposed development.
An Affordable Housing Density Bonus Agreement must be submitted and approved by the
Collier County Board of County Commissioners as provided for in the Collier County Land
Development Code, § 2.06.00. Impro vements to the Affordable Housing Density Bonus
(AHDB) program were approved via Ordinance 2019-02.
2.Inventory of Locally Owned Public Lands Suitable for Affordable Housing.
Collier County prepares an inventory of all real property owned by Collier County that may
be appropriate for use as affordable housing in accordance with Sec. 125.379 F.S. every
three years.
The Collier County Board of County Commissioners approved an AHAC recommended
Incentive Strategy to permit properties identified as appropriate for use as affordable
housing to be offered for sale and the proceeds used to purchase land for the development
of affordable housing, or to increase the local government fund (Housing Trust Fund)
29
Page 6443 of 7924
FY 2025-2028
Date: April 8,2025, Agenda Item 16.D 10
earmarked for affordable housing, or may be sold with a restriction that requires the
development of the property as permanent affordable housing, or may be donated to a
nonprofit housing organization for the construction of permanent affordable housing.
IV.EXHIBITS:
A.Administrative Budget for each fiscal year covered in the Plan
B.Timeline for Estimated Enc umbrance 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.lnterlocal Agreement
H.Short Sale Policy & Short Sale Application
I.Essential Personnel Certification
J.Sub ordination Policy & Subordination Request Form
K.CLT Acquisition & Development instructions and Information
30
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Page 1 of 2
RESOLUTION NO. 2025-____
A RESOLUTION OF THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA,
ESTABLISHING A LOCAL DISASTER PROGRAM.
WHEREAS, there are various State and Federal programs to provide Disaster Assistance to
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; and
WHEREAS, Collier County is uniquely prone to local wildfires and flooding, which are outside
the scope of these programs, which are hereinafter referred to as Local Disasters; and
WHEREAS, a growing number of Floridians no longer have homeowners insurance either
because they were dropped by their carrier or simply can’t afford the exorbitant increases imposed on
homeowners. The Insurance Information Institute estimated last year that 15% to 20% of Floridians have
no insurance. The national average is 12 percent; and
WHEREAS, Collier County lacks a local disaster response mechanism to assist residents
impacted by localized events such as wildfires or floods. Accordingly, it is the intent of the Board to
establish a Local Disaster Response Program to assist low to moderate income households who are
uninsured or underinsured due to rising costs and include those costs that are not typically covered by
homeowners or flood insurance, such as tipping fees, dumpster rentals, and similar expenses.
NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF COLLIER COUNTY, FLORIDA, that:
1. The foregoing recitals are hereby adopted as legislative findings of the Collier County
Board of County Commissioners (“Board”) and are ratified and confirmed as being true and correct and
are hereby made a specific part of this Resolution upon adoption hereof.
2. The Board hereby establishes a Local Disaster Program to be administered by the
Community and Human Services Division.
3. Before any funds can be expended under the Program for an event, the Board must first
declare a Local Disaster at public hearing.
4. Funding shall be in accordance with Collier County’s approved State Housing Initiatives
Partnership Local Housing Assistance Plan, as amended.
5. This Resolution shall become effective upon adoption by a majority vote of the Board of
County Commissioners.
Page 6472 of 7924
Page 2 of 2
This Resolution adopted by the Board this _____ day of ______________ 2025, after motion,
second and majority vote favoring same.
ATTEST: BOARD OF COUNTY COMMISSIONERS
CRYSTAL K. KINZEL, CLERK COLLIER COUNTY, FLORIDA
By: ___________________________ By: ________________________________
, Deputy Clerk Burt L. Saunders, Chairman
Approved as to form and legality:
_______________________________
Jeffrey A. Klatzkow, County Attorney
Page 6473 of 7924
FY 2025-2028
Date: April 8, 2025, Agenda Item 16.D 10
Date: May 27, 2025, Tech Revision Local Disaster Response
1
Collier County and the City of Naples
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2025-2026, 2026-2027, 2027-2028
Page 6474 of 7924
FY 2025-2028
Date: April 8, 2025, Agenda Item 16.D 10
Date: May 27, 2025, Tech Revision Local Disaster Response
2
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. Local Disaster Response Assistance/Emergency Housing Repair & Housing Resilience 11
D. Demolition and Replacement of Manufactured Housing 15
E. Disaster Assistance 18
F. New Construction Assistance 20
G. Rental Rehabilitation 22
H. Rental Acquisition 23
I. Rental Development 25
J. Community Land Trust Acquisition & Development 26
Section III, Incentive Strategies 28
A. Expedited Permitting 28
B. Ongoing Review Process 29
C. Other Incentive Strategies Adopted 30
Exhibits 31
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan
D. Signed LHAP Certification
E. Signed, dated, witnessed, or attested adopting resolution
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement
H. Short Sale Policy & Short Sale Application
I. Essential Personnel Certification
J. Subordination Policy & Subordination Request Form
K. Community Land Trust Acquisition & Development Instructions
Page 6475 of 7924
FY 2025-2028
Date: April 8, 2025, Agenda Item 16.D 10
Date: May 27, 2025, Tech Revision Local Disaster Response
3
Section I. Program Details:
A. LG(s)
Name of Local Government COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS
Does this LHAP contain an interlocal
agreement?
Yes
If yes, name of other local government(s)City of Naples
B. Purpose of the program:
•To meet the housing needs of the very low, low, and moderate-income households;
•To expand production of and preserve affordable housing; and
•To further the housing element of the local government's comprehensive plan specific to
affordable housing.
C. Fiscal years covered by the Plan: 2025-2026, 2026-2027, 2027-2028
D. Governance: The SHIP Program is established in accordance with Section 420.907-9079, Florida
Statutes and Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance
with these applicable statutes, rules, and any additional requirements as established through the
Legislative process.
E. Local Housing Partnership: The SHIP Program encourages building active partnerships between
government, lending institutions, builders and developers, not-for-profit and community-based
housing providers and service organizations, providers of professional services related to affordable
housing, advocates for low-income persons, real estate professionals, persons or entities that can
provide housing or support services, and lead agencies of the local continuums of care.
F. Leveraging: The Plan is intended to increase the availability of affordable residential units by
combining local resources and cost-saving measures into a local housing partnership and using
public and private funds to reduce the cost of housing. SHIP funds may be leveraged with or used to
supplement other Florida Housing Finance Corporation programs and to provide local match to
obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social
service providers, local lenders, and neighborhood associations. Public input was solicited through
the local newspaper in the advertising of the Local Housing Assistance Plan and the Notice of
Funding Availability.
H.Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general
circulation and periodicals serving ethnic and diverse neighborhoods, at least 30 days before the
beginning of the application period. If no funding is available due to a waiting list, no notice of
funding availability is required. For advertisements other than NOFAs, the County will accept
applications during the dates specified in the advertisement distributed via the County website,
email, or via the County procurement office.
I. Waiting List/Priorities: A waiting list will be established when there are eligible applicants for
strategies that no longer have funding available. Those households on the waiting list will be notified
of their status. Applicants will be maintained in an order that is consistent with the time completed
Page 6476 of 7924
FY 2025-2028
Date: April 8, 2025, Agenda Item 16.D 10
Date: May 27, 2025, Tech Revision Local Disaster Response
4
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
grantor, Florida Housing Finance Corporation.
When funds are available for a strategy, the applicants from the waiting list will be contacted to
complete/update the application for SHIP assistance. Applicants will be placed in the queue for
assistance once they have provided all required documentation and been deemed SHIP eligible.
Once there is a list of eligible applicants, they will be ranked in the following order. The following
priorities for funding listed here apply to all strategies unless otherwise stated in an individual
strategy in Section II:
RANKING PRIORITY
1. Special Needs Households –persons with special needs as defined in 420.0004 (13)
a) Very low
b) Low
c) Moderate
2. Essential Services Personnel
a) Very Low
b) Low
c) Moderate
3. After Special Needs Set-asides and after ESP applicants
a) Very Low
b) Low
c) Moderate
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate
on the basis of race, color, religion, sex, national origin, age, handicap, or marital status in the award
application process for eligible housing.
K. Support Services and Counseling: Support services are available from various sources. Available
support services may include but are not limited to: Homeownership Counseling (Pre and Post),
Credit Counseling, Tenant Counseling, and Foreclosure Counseling.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed
90 percent (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 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 can be lower but may not exceed 90 percent (90%) of the
average area purchase price established by the U.S. Treasury Department or as described above.
The methodology used is:
U.S. Treasury Department X
Local HFA Numbers
M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program
are updated annually by the Department of Housing and Urban Development and posted at
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www.floridahousing.org.
“Affordable” means that monthly rents or mortgage payments including taxes and insurance do not
exceed 30 percent of that amount which represents the percentage of the median annual gross
income for the households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit
an individual household’s ability to devote more than 30% of its income to housing, and housing for
which a household devotes more than 30% of its income shall be deemed Affordable if the first
institutional mortgage lender is satisfied that the household can afford mortgage payments in excess
of the 30% benchmark and in the case of rental housing does not exceed those rental limits adjusted
for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and
selection criteria for applications for Awards to eligible sponsors shall be developed, which includes
a description that demonstrates how eligible sponsors that employ personnel from the Welfare
Transition Program will be given preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental
developments shall annually monitor and determine tenant eligibility or, to the extent another
governmental entity provides periodic monitoring and determination, a municipality, county, or
local housing financing authority may rely on such monitoring and determination of tenant
eligibility. However, any loan or grant in the original amount of $10,000 or less shall not be subject
to these annual monitoring and determination of tenant eligibility requirements. Tenant eligibility
will be monitored annually for no less than 30 years or the term of assistance whichever is longer
unless as specified above. Eligible sponsors that offer rental housing for sale before 30 years or that
have remaining mortgages funded under this program must give a first right of refusal to eligible
nonprofit organizations for purchase at the current market value for continued occupancy by eligible
persons.
P. Administrative Budget: A line-item budget is attached as Exhibit A. The city/county finds that the
moneys deposited in the local housing assistance trust fund is necessary to administer and
implement the local housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: “A county
or an eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its
governing body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of
program income is insufficient to adequately pay the necessary costs of administering the local
housing assistance plan.”
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further states:
“The cost of administering the program may not exceed 10 percent of the local housing distribution
plus 5 percent of program income deposited into the trust fund, except those small counties, as
defined in s. 120.52(19), and eligible municipalities receiving a local housing distribution of up to
$350,000 may use up to 10 percent of program income for administrative costs.” The applicable local
jurisdiction has adopted the above findings in the resolution attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be performed by:
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Entity Duties Admin. Fee
Percentage
Local Government Collier County Government 10%
Third-Party Entity/Subrecipient
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 ending on the date of purchase of the property. This includes a spouse (if
either meets the above test, they are considered first-time homebuyers). A single parent who has
only owned a home with a former spouse while married. An individual who is a displaced
homemaker and has only owned with a spouse. An individual who has only owned a principal
residence not permanently affixed to a permanent foundation in accordance with applicable
regulations. An individual who has only owned a property that was not in compliance with state,
local, or model building codes and which cannot be brought into compliance for less than the cost of
constructing a permanent structure.
S. Project Delivery Costs: Project Delivery: In addition to the administrative costs listed above, the
County or Sponsor will charge a project delivery fee of no more than 5 percent (5%) to cover
inspections and other eligible project delivery activities performed by County or non-county
employees. This fee will be included in the maximum award to the applicant.
For Owner-Occupied Rehabilitation, Demolition, and Replacement of Manufactured Homes and
Emergency Housing Repair & Housing Resilience, project delivery costs may cover, but are not
limited to, the following activities: inspections, work write-ups, recording fees, application and
processing fees, development of assessments, and cost estimates. The project delivery fee is a flat
fee fixed price and is not attributable towards a Sponsor’s employee’s salary time and does not
require additional documentation to support payment.
T. Essential Service Personnel Definition (ESP): Collier County defines Essential Service Personnel as
follows: Those individuals employed in the community as teachers, educators, other school district
employees, community college and university employees, police and fire personnel, health care
personnel, skilled building trades personnel, and government employees.
U. Describe efforts to incorporate Green Building and Energy Saving products and processes: The
County will, when economically feasible, employ the following Green Building requirements on
rehabilitation and emergency repairs:
All housing rehabilitation and new construction will incorporate “green” standards including but not
limited to:
•Appliances replaced or installed shall be Energy Star.
•Doors and/or windows replaced or installed shall be Energy Star;
•Any lighting fixture replaced or installed shall be Energy Star;
•Weatherization shall be incorporated into all homes rehabilitated including but not limited
to weatherization of the attic; floor insulation, if appropriate; and sealing of exterior walls.
New construction is presumed to meet the minimum insulation and sealing requirements.
Any replaced or new HVAC unit shall have a SEER rating of at least 14.
These requirements may be adjusted for rental developments if the requirement of other
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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 a 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, the
Agency for Persons with Disabilities, United Cerebral Palsy, Community Assisted and Supported
Living, etc. Additionally, advertisements in publications of general circulation may also be used.
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 SW
Florida Coalition on Homelessness, schools, and other not-for-profit social service 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 various agencies and local resources
utilizing federal ESG and State SHIP funds.
Section II. LHAP Strategies:
A. Purchase Assistance without Rehabilitation Code 2
a. Summary: SHIP funds will be awarded to first-time homebuyers for down payment and closing
costs to purchase a newly constructed or an existing single-family home, manufactured home,
or condominium.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: Very Low: $110,000 ESP, $100,000 non-ESP
Low: $ 90,000 ESP, $ 80,000 non-ESP
Moderate: $ 80,000 ESP, $ 70,000 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
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4. Forgiveness: If all conditions have been met, the loan is forgiven entirely at the end of the
30-year term. In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan will be forgiven.
5. Repayment: Monthly payments are not required
6. Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
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 promissory note then the
homeowner may contact the County Regarding a settlement amount of the SHIP
loan that is outlined in the County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
If the home is foreclosed on by a superior mortgage holder, the County may try to recapture funds
through the legal process if it is determined that adequate funds may be available to justify pursuing a
recapture.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and 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 after June 1994 are considered eligible housing pursuant
to Section 420.9071 (9), Florida Statute.
2. First mortgage must be at a fixed rate; no ARMs, prepayment penalty, negative
amortizations, balloon loans, owner financing, or other non-affordable loan terms are
allowed.
3. A newly constructed home must have received a Certificate of Occupancy within the twelve
months prior to purchase. A manufactured home must be in place with all Declaration and
Covenant site requirements t (carport, Shead, skirting, etc.), if applicable, and a valid
certificate of occupancy. Funding, which is provided as a subordinate mortgage loan, may be
used for down payment, closing costs, and principal buy-down as needed for affordable
home ownership.
4. Refinance may be allowed in accordance with the published “Subordination Policy”.
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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 who have met all the County
requirements, are SHIP Income Certified, and have a mortgage loan pre-approval from a
participating Lender prior to applying.
7. Applicants must attend a HUD-approved Homebuyer Education Program and provide a copy
of the certificate to the Division prior to closing on a home. The certificate must be dated
within 12 months of the income certification date.
8. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and/or permanent
residence card.
9. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 at the time of closing. 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.
B. Owner-Occupied Rehabilitation Code 3
a. Summary: SHIP funds will be awarded to households needing 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: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $75,000
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, if the unit is on leased
land, a security instrument in accordance with the Florida Department of Motor Vehicles
Title will be recorded.
2. Interest Rate: 0%
3. Years in loan term: 15 years
4. Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will be
forgiven in five-year increments so that at the end of the fifteenth (15) year the loan is fully
forgiven. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan
will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons that qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
repayment provisions, and certify that the unit assisted will be their primary residence.
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In addition to the above, repayment of the loan is required in full when one of the following
conditions is met, whichever occurs first:
i. Sale: if proceeds are not enough to pay off the promissory note, then the
homeowner may contact the County regarding a settlement amount of the SHIP
loan that is outlined in the County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted
above.
If the home is foreclosed on by a superior mortgage holder, the county may attempt to
recapture funds through the legal process if is determined that adequate funds may be available
to justify pursuing a repayment.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, 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.
3. If applicable, must file a claim for and use proceeds from insurance and/or FEMA as the 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, and 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: The County will issue a notice of Grant Application for SHIP funding
for Owner Occupied Repair assistance from non-profit/for-profit organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
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Administrator, to be used for evaluation of sponsor eligibility.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
• Past performance evaluation
h. Additional Information: 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 after June
1994 are considered eligible housing pursuant to Section 420.9071 (9), Florida Statute. The
repairs must not exceed 90% of the value of the existing property and residence, and all repairs
are within existing codes for the property. For an owner-occupied mobile or manufactured
home on land that is leased, a State of Florida Vehicle Certificate of Title will list Collier County
Board of County Commissioners on the title as the security interest in the unit.
Homeowner award may include up to $75,000 for rehabilitation expenses, up to 5% project
delivery cost, and up to $15,000 for relocation expenses if necessary
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.
C. Locally Declared Emergency Response Assistance and
Emergency Housing Repair & Housing Resilience
Code 5, 6 & 16
a. 1. Summary: Locally Declared Emergency Response Assistance
a. SHIP funds will be awarded to households affected by a locally declared emergency
who need assistance covering costs not paid by homeowner’s insurance, or for those
without insurance coverage. Eligible expenses may include fees for tree and debris
removal, correction of immediate minor code violations, tipping fees, and dumpster
rentals, or any other fees or costs that are not otherwise covered through
homeowner’s or flood insurance. Before any funds can be expended under the SHIP
Program for an event, the Board must first declare a Local Emergency at a public
hearing.
a. 2. Summary: Emergency Housing Repair & Housing Resilience
SHIP funds will be awarded to owner-occupied households in need of rehabilitation,
and/or repair of their home related to a dire situation that needs to be mitigated
immediately. Eligible rehabilitation and repair are:
•Remediation of an immediate health hazard to the occupants;
•Elimination of a developing threat to the dwelling or infrastructure;
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•Structural elevation, rehabilitation, impact windows, doors, and/or waterproofing of
the structure or critical components to comply with the local housing code and with
Chapter 553. F.S. and;
•Improving the home’s resilience to the impact of a future disaster.
SHIP funds may be awarded to applicants requiring emergency power generator
installation if 1) A member of the household meets the Special Needs set-aside criterion,
and 2) A written statement from a healthcare provider indicates that electricity is a bona
fide medical necessity.
Proof of insurance claim must be submitted, if applicable. SHIP funds may also be
awarded to pay the Homeowner’s Insurance Policy and/or Flood Insurance Policy for one
year, if no insurance is in place at the time of the award. Homeowner’s insurance and
Flood insurance a grants with no recapture terms.
SHIP funds may be used to assist with the payment of relocation and storage/moving
costs associated with the rehabilitation of the residence.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very Low, Low, and Moderate
d. 1. Maximum award: $ 10,000 Locally Declared Emergency Response Assistance
2. Maximum award: $100,000 Emergency Housing Repair & Housing Resilience
e. 1. Terms: Locally Declared Emergency Response Assistance
(a) 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.
(b) Interest Rate: N/A
(c) Years in loan term: N/A
(d) Forgiveness: N/A
(e) Default: N/A
e. 2. Terms: Emergency Housing Repair & Housing Resilience
(a) 1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment
loan secured by a recorded subordinate mortgage and promissory note.
(b) 2. Interest Rate: 0%
(c) 3. Years in loan term: 15 years
(d) 4. Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will
be forgiven in five-year increments so that at the end of the fifteenth (15) year, the loan
is fully forgiven. In cases where the qualifying homeowner(s) die(s) during the loan term,
the loan will be forgiven.
(e) 5. Repayment: Monthly payments are not required.
(f) 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 a 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, and repayment provisions, and certify that the unit
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assisted will be their primary residence.
In addition to the above, repayment of the outstanding balance is required in full when one of
the following conditions is met, whichever occurs first:
i. Sale: if proceeds are not enough to pay off the promissory note, then the
homeowner may contact the County regarding a settlement amount of the SHIP
loan that is outlined in the County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer the 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.
f. 1. Locally Declared Emergency Response Assistance Recipient Selection Criteria: Applicants will
be assisted on a first-qualified, first-served basis with the following additional requirements:
(a) Must provide proof of homeowner’s insurance or attestation of no insurance, if
applicable.
(b) If applicable, homeowners must file a claim for and use proceeds from insurance as the
first option.
(c) 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.
(d) Verification of US Citizenship, Permanent Residency Status, or qualified non-citizens as
aligned with FEMA. All borrowers must submit one of the following: a U.S. Passport, a
U.S. Birth Certificate, a U.S. naturalization document, a permanent resident card, or
proof of immigration status.
(e) 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.
f. 2. Emergency Housing Repair & Housing Resilience-Recipient Selection Criteria: Applicants will
be ranked for assistance based on a first-qualified, first-served basis, with the priorities for
Special Needs, Essential Services Personnel, and income groups as described in Section I,
Program Details, of this plan.
An applicant may submit a completed application for SHIP Emergency Housing Repair and
Resilience 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.
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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 the first
option. If applicable.
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 at the time of qualification. 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. 1. Locally Declared Emergency Response Assistance-Sponsor Selection Criteria: N/A.
g. 2. Emergency Housing Repair & Housing Resilience-Sponsor Selection Criteria: The County will
issue a notice of Grant Application for SHIP funding for Emergency Housing Repair and
Resilience 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 the 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 eligibility/requirements
•Past performance evaluation
h. 1. Locally Declared Emergency Response Assistance-Additional Information: Residents using
this strategy during a locally declared emergency are required to submit a lease agreement or
mortgage statement for each approved local emergency response event. Payment(s) will be
paid directly to the service provider, a licensed contractor, or a licensed business on behalf of
the applicant. The applicant may be reimbursed directly if they provide proof of payment and
invoice, and/or receipt. Manufactured homes constructed after June 1994 are considered
eligible housing pursuant to Section 420.9071 (9), Florida Statute. Residents will need to provide
documentation to demonstrate a relationship and direct impact on the locally declared
emergency.
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h. 2. Emergency Housing Repair & Housing Resilience Additional Information: Manufactured homes
will be eligible for housing assistance only if the home is owner-occupied, is affixed to the
ground, and the land is (a) owned and homesteaded by the occupant or (b) leased/rented by the
homeowner. Manufactured homes constructed after June 1994 are considered eligible housing
pursuant to Section 420.9071 (9), Florida Statute. The repairs must not exceed 90% of the value
of the existing property and residence, and all repairs are within existing codes for the property.
For an owner-occupied mobile or manufactured home on land that is leased, a State of Florida
Vehicle Certificate of Title will list the Collier County Board of County Commissioners on the title
as the security interest in the unit.
Homeowners may receive up to $100,000 for rehabilitation expenses, up to 5% project delivery
cost, and up to $15,000 for relocation, if necessary, and storage/moving expenses if necessary.
Homeowners may receive additional Rehabilitation funding provided it has been at least three
(3) years since the last rehabilitation. Disaster Assistance and Local Declared Emergency
Response Assistance -related funding is exempt from this restriction.
D. 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 place of rehabilitation when costs to repair
the home are determined to exceed 51% of the home’s value, as determined by the Collier
County Property Appraiser office or the structure must be certified by the SHIP inspector as not
suitable for rehabilitation. 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.
i. 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.
ii. Costs may include a one-time annual premium payment of a Homeowner’s insurance
and/or Flood Insurance Policy for homeowners not covered under an insurance policy at
the time of home replacement.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $200,000.
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 Vehicles will be
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recorded.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions of the loan are met, one-third of the loan will be forgiven in
ten-year increments so that at the end of the thirtieth year the loan is forgiven. In cases
where the qualifying homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during
the Loan term: sale, transfer, or conveyance of property; conversion to rental property; or
failure to occupy the home as primary residence. If any of these occur, the outstanding
balance will be due and payable. Persons who qualify for SHIP assistance will be required to
contractually agree to all SHIP program guidelines, County SHIP mortgage requirements, and
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 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.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified,
first-served basis with the priorities for Special Needs, Essential Services Personnel, and income
groups as described in Section I, Program Details, of this plan.
g. Sponsor Selection Criteria: The County will issue a Request for Proposals for SHIP funding for
demolition and replacement of manufactured housing from non-profit/for-profit organizations.
Sponsor organizations must submit a proposal 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
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•Adherence to SHIP eligibilities/requirements
• Past performance evaluation
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 leased or rental land, ownership must be a fee
simple estate at the time of closing with the name of the applicants on the title.
2. Property taxes must be current at the time of application and closing. Delinquent property
taxes are a basis for denial.
3. The value after replacement may not exceed the SHIP maximum allowable purchase price
for existing homes.
4. The replacement housing shall be consistent with the replacement housing shall be
consistent for the family household size and meet all requirements of the management or
association covenants or bylaws. The homeowner may choose the most suitable
replacement housing to meet their needs.
5. The existing home must be damaged or in disrepair to the extent that the home is
condemned by Collier County Growth Management Community Development 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 the first option.
8. If applicable, must complete an FHFC-approved “Disaster Self-Declaration of Income” form,
if this strategy is used during a declared disaster.
9. Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and have applied for, or already be homesteaded as the primary residence.
Owner-occupied manufactured homeowners renting their lot may also apply for assistance.
10. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent
residence card.
11. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of
$30,000.00 upon completion of the demolition and replacement assistance. This asset cap
applies to all SHIP strategies. However, the Board of County Commissioners will have the
authority to suspend the asset cap/liquid assets in determining income qualifications during
recovery from a declared disaster.
12. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to homestead exemption, utility bill(s), or driver’s license.
13. Homeowner may receive up to $200,000 for construction, 5% for project delivery, and up to
$15,000 for relocation/moving/storage expenses, and $10,000 for Homeowners’ and/or
flood insurance if necessary
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.
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E. Disaster Assistance Codes 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, to include households that were displaced or financially impacted in another
disaster-affected area and then relocated to Collier County after the disaster event. 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 the Florida Housing Finance
Corporation. SHIP disaster funds may be used for items such as, but not limited to:
1. Purchase of emergency supplies for eligible households to weatherproof damaged homes.
2. Interim repairs to avoid further damage; tree and debris removal required to make the
individual housing unit habitable.
3. Construction of wells and septic or repair of existing wells and septic systems where public
water and/or sewer are not available.
4. Payment of insurance deductibles for rehabilitation of homes covered under homeowners’
insurance policies.
5. Security deposit and additional move-in deposits or fees listed in a lease for eligible
recipients who have been displaced from their homes due to a disaster or have experienced
a financial impact directly related to the storm.
6. Temporary Rental and/or relocation assistance for eligible recipients who have been
displaced from their homes due to a disaster or have experienced a financial impact directly
related to the storm.
7. Temporary Rental and/or relocation assistance for households with a mortgage that have
been displaced due to the disaster while their home is being repaired. This may be in Collier
County or outside Collier County due to limited availability post-disaster.
8. Temporary mortgage payments and utility payments for homesteaded homeowners who
have a direct financial impact by a disaster.
9. Foreclosure prevention services and housing counseling.
10. Relocation and moving expenses, if necessary.
11. One-time full premium payment of a Homeowner’s and/or Flood Insurance Policy for
homeowners not covered under an insurance policy at the time of a disaster.
12. Hotel or Motel or short-term Rental (VRBO/Airbnb payments for up to 90 days) for recipients
displaced and in need of temporary housing until their home and/or rental unit is repaired
OR a new unit is secured (Daily lodging rates will be pursuant to U.S General Services
Administration (GSA) published rates at the time of the Disaster). This may be provided in
Collier County or outside due to limited availability post-disaster.
13. Strategies included in the approved LHAP that benefit applicants directly affected by the
declared disaster. Below see reference f.3. for disaster income “Disaster Self-Declaration of
Income” requirements.
14. Other activities as proposed by the county and approved by Florida Housing Finance
Corporation.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be Served: Very low, low, and moderate
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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
3. Years in loan term: N/A
4. Forgiveness: N/A
5. Default: N/A
f. Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-served basis
with the following additional requirements:
1. Must provide proof of homeowner’s insurance or attestation of no insurance, if applicable.
2. If applicable, homeowners must file a claim for and use proceeds from insurance and/or
FEMA as the 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, Permanent Residency Status or qualified non-citizens as
aligned with FEMA. All borrowers must submit one of the following: U.S. Passport, U.S. Birth
Certificate, U.S. naturalization document, permanent resident card or proof of immigration
status.
5. Primary Residence: Documentation used for verification of primary residence includes, but
is not limited to lease, paystubs, homestead exemption, utility bill(s), or driver’s license.
g. Sponsor Selection Criteria: N/A.
h. Additional Information: Residents using this strategy during a disaster are required to submit
lease agreements, mortgage statements, past due notices if impacted by a disaster or proper
invoices and receipts as applicable for each approved disaster activity above. Mortgage, Rent,
Utility, and Counseling payments will be made directly to a landlord, financial institution, utility
company or contracted community partner. Reimbursement for other Disaster Assistance
expenses will require invoices and paid receipts, proof of insurance deductible, and proof of
FEMA funds, as appropriate. Payments will be made to the service provider, community partner,
or resident. Manufactured homes constructed after June 1994 are considered eligible housing
pursuant to Section 420.9071 (9), Florida Statute. Residents will need to provide documentation
to demonstrate a relationship and direct impact to the declared disaster, such as an approved
FEMA letter, building permits, proof of loss of property, and/or loss of income
The County reserves the right to inspect for compliance prior to reimbursement.
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F. New Construction Assistance Code 10
a. Summary: SHIP funds may be provided to organizations to be used for costs including, but not
limited to, land acquisition, infrastructure, landscape and development costs, and all associated
fees and permits for single-family housing for resale to eligible home buyers in incorporated or
unincorporated Collier County. The units may be constructed on infill lots or as a part of a
larger development. The funds awarded to the Sponsor will be passed through to the eligible
buyer as down payment assistance.
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award (per unit for Sponsor and buyer): $100,000/unit
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: 18 months
4. Forgiveness: The Sponsor’s obligation is forgiven upon the 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
18 months 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 a primary residence. If any of these
occur, the outstanding balance will be due and payable. Persons who qualify for SHIP
assistance will be required to contractually agree to all SHIP program guidelines, County
SHIP mortgage requirements, and 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
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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. 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.
f. Home Buyer Selection Criteria- Sponsor shall identify applicants and provide the Application
intake and income certification of households applying for Construction Assistance, as specified
in their agreement with the County.
Applicants will be ranked for assistance based on a first-qualified, first-served basis with the
priorities for Special Needs, Essential Service Personnel and income group as described in
Section I.
1. Applicants must complete a HUD approved Homebuyer Education Program and provide a
copy of the certification to the Sponsor prior to closing on a property. The certificate must
be dated prior to the SHIP award date and be good through closing.
2. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit
one of the following: U.S. Passport, Birth Certificate, naturalization, and or permanent
residence card.
3. Asset Cap or Liquid Assets: All beneficiaries will be limited to a cash or liquid asset of
$30,000.00 upon completion of their new construction assistance. However, the Board of
County Commissioners will have the authority to suspend the asset cap/liquid assets in
determining income qualifications during recovery from a declared disaster.
g. Sponsor Selection Criteria – The County will issue a notice of an ongoing Application for
Construction Assistance from non-profit/for-profit organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor eligibility.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
h. Additional Information: N/A
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G. Rental Rehabilitation Code 14
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/or
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: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award:$300,000-Single-Family -1 to 4 dwelling units, $75,000 per unit
$1,000,000-Multi-Family-5 or more dwelling units, $50,000 per unit
•1-4 units assisted: 1 special needs, 1 Very Low-income person
•5-10 units assisted: 2 special needs, 3 very low income and 2 low income
•11-20 units assisted: 3 special needs, 4 very low, 3 low income
•20 or more units assisted: 4 special needs, 6 very low income and 5 low income
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a
subordinate mortgage, promissory note, and a land use restriction agreement placed on the
property being rehabilitated.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met the loan is forgiven at the end of the 30th
year.
6. Default: Loan default will be triggered by any of the following actions:
i. Sale - if proceeds are not enough to pay off the mortgage note then the property
owner (not-for-profit or for-profit or landlord) may contact the county regarding a
settlement amount of the SHIP loan.
ii. Title transfer - either voluntary or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance - a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term with no cash-out.
iv. Change in use - Property no longer serves the intended population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
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g. Tenant Selection Criteria: Units receiving assistance must be reserved on a first-qualified, first-
served basis for income-eligible residents. Sponsor will be required to assist the minimum
number of special need, low and very low-income persons in accordance with the table in
section d-. Maximum award.
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
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
i. Additional Information: Once the improvements are completed, the sponsor/landlord shall
ensure all eligible tenants who occupy the units on the 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.
H. 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-, -
income tenants and Special Needs households as defined in 420.0004 (13).
b. Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low-income, and low-income
d. Maximum award: $ 1,000,000 per property, as identified by the Collier County Property
Appraiser.
•1-4 units assisted: 1 special needs, 1 Very Low-income person
•5-10 units assisted: 2 special needs, 3 very low income and 2 low income
•11-20 units assisted: 3 special needs, 4 very low, 3 low income
•21 or more units assisted: 4 special needs, 6 very low income and 5 low income
e. Terms:
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1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a
subordinate mortgage, promissory note, and land use restriction agreement placed on the
property acquired.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years.
6. Default: Repayment of the loan is required in full under the following conditions:
i. Sale: if proceeds are not enough to pay off the promissory note, then the property
owner (non-profit or for-profit) may contact the County regarding a settlement
amount of the SHIP loan.
ii. Title transfer: either voluntarily or by operation of law, divested of title by judicial
sale, levy, or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term, with no cash-out.
iv. Property will no longer serve the intended target population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
g. Tenant Selection Criteria: Tenants will be selected on a first-qualified, first-served basis.
Sponsor will be required to assist the minimum number of special need, low and very low-
income persons in accordance with the table below however, the County reserves the right to
request additional units.
h. Sponsor Selection Criteria: Non-profit/for-profit housing sponsors will be evaluated using
established evaluation and selection criteria.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the
application for general conformance with the submission requirements. The evaluation phase
will consist of an in-depth review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
i. Additional Information: Once the acquisition is completed, the sponsor shall ensure all eligible
tenants who occupy the units on the subject property will be income-qualified on an annual
basis during the thirty-year (30) loan term.
This strategy may be used with Strategy G. Rental Rehabilitation.
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I. Rental Development Code 21
b.Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award:
1. $1,000,000 per development with 50 units or less, which includes at least two (2) special
needs units, at least four (4) 50% AMI very low-income units and the remaining units at
120% AMI low-income units.
2. $1,500,000 per development with 50 units or less, which includes at least three (3) Special
Needs units, at least eight (8) 50% AMI very low-income units and the remaining units at
120% AMI low-income units
3. $2,000,000 per development with over 50 units, which includes at least six (6) Special
Needs units, at least ten (10) 50% AMI very-low-income units and the remaining units at
120% AMI low-income units.
e. Terms:
1. Repayment loan/deferred loan/grant:
a. For-profit developers, funds will be awarded as a loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the
property.
b. Non-profit developers, funds will be awarded as a forgivable loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the
property.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness:
i. For for-profit developers, the loan is due and payable at the end of the term unless
the County negotiates an extended loan term to secure affordable rental units in
the best interest of the County’s residents.
ii. For Non-profit developers, one-third of the principal loan balance is forgiven every
ten years through the thirty (30) year term.
5. Repayment: Monthly payments are not required.
6. Default: For all awards, the outstanding balance will be due and payable, and a default will
be determined if any of the following occurs:
a. Summary: Funds will be awarded to developers of affordable rental units for construction,
impact fees, 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.
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i. Sale: if proceeds are not enough to pay off the promissory note then the property
owner (not-for-profit or for-profit) may contact the county regarding a settlement
amount of the SHIP loan.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial
sale, levy or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if
the request is submitted in writing and the refinance is at a lower fixed rate and/or
term with no cash-out.
iv. Property will no longer serve the intended target population.
Repaid funds are considered program income, a portion of which may be used for program
administration.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year
term must give First Right of Refusal to other eligible nonprofit sponsors for purchase per
Section 420.9075(5)(i) Florida Statutes.
g. Tenant Selection Criteria: All applicants for residence in a SHIP-assisted unit must meet the
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 a lack of available units.
b. Propose to preserve and improve existing units.
All funding awards will be subject to closing on other funding sources.
i. Additional Information: Sponsors will be required to meet compliance reporting requirements
on the development necessary to meet the statutory requirements for monitoring of SHIP rental
units.
J. Community Land Trust Acquisition & Development Code 9,10
b.Fiscal Years Covered: 2025-2026, 2026-2027, 2027-2028
a. Summary: Summary: Funds will be awarded to Community Land Trust (CLT) as a cost pay down
reducing the base sales price for or the acquisition of new and existing homes that are sited on
land that is, or will be, owned by a CLT. Assisted homes will be for sale to eligible first-time
homebuyers. Funds may be used for acquisition (including land), soft costs, financing, buydown,
developer fees, and all other eligible acquisition costs.
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c. Income Categories to be served: Very low, Low
d. Maximum award: $400,000: $250,000 for the purchase of existing single-family home(s) and
$150,000 for land acquisition
e. Terms - Sponsor Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as deferred payment loans
secured by recorded LURA, mortgages, and notes.
a. SHIP funds will be awarded as a deferred loan secured by a recorded mortgage and note
for the acquisition, and other eligible costs related to the acquisition, and improvements
(home), not to include the underlying land, 100% shall be converted to a mortgage and
retained as a permanent subsidy to the benefit of the eligible initial and subsequent
buyer.
b. When applicable, SHIP funds will be awarded as a deferred loan secured by a recorded
mortgage and note for the acquisition of the underlying land, which will not be
converted into a mortgage with the eligible buyer and will be forgiven =to be retained as
permanent subsidy for future buyers. The value of the land for award purposes shall be
determined by the purchase price of the land and the number of units sited/constructed
on the land.
2.Interest Rate: 0%
3.Years in loan term: 18 months
4.Forgiveness: If the loan(s) is in good standing upon the sale of the property to an eligible
homebuyer, the County will release the lien and any restrictive covenant(s) with the
Sponsor/CLT.
5.Repayment: Full payment of the loan is due upon the earlier of:
a. The house is not sold to an eligible buyer prior to the end of the 18 months loan term;
or
b. If the Sponsor/CLT sells or divests title to the land.
6.Default: The loan(s) will be in default if the Sponsor/CLT fails to construct and sell the
assisted unit(s) to an eligible buyer and execute a ground lease within the contractual
timeframe. The County will recapture the subsidy and/or property if the housing has not
been completed within the term of the recorded Mortgage Agreement(s). Full payment of
the loan is due upon the earlier of:
The house is not sold to an eligible buyer prior to the end of the 18-month loan term; or
Full payment is required when the house is sold to an eligible buyer. If the Sponsor/CLT sells
or divests title to the land.
Terms - Recipient
1.Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan
secured by a recorded mortgage and note totaling SHIP cost associated with the acquisition,
development, and other eligible costs related to the improvements (home), that is
assumable or originates as new at resale by each subsequent income qualified purchaser
with prior approval by the CLT. The security interest provided shall be solely on the home
and improvements, not the underlying land.
2.Interest Rate: 0%
3.Years in loan term: 30 years Forgiveness: If the loan remains in good standing, assistance
will be forgiven at the end of the loan term but will be retained as a permanent subsidy via
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the CLT ground lease which will survive the term of the loan and will address the
requirements for residency, resale price, subsequent buyer’s income eligibility as well as to
assure that units served remain affordable in perpetuity.
4.Repayment: Not required if the loan is in good standing.
5.Default: The loan will be determined to be in default if any of the following occurs:
•Sale, transfer, or conveyance of the property to a buyer that was not pre-
approved or deemed eligible pursuant to the requirements of this strategy by
the CLT.
•However, it shall not be an event of default if the loan is assumed by an income-
eligible homebuyer, if the assumed loan is reflected in the contract for sale, and
if the sale is approved by the CLT to ensure the assisted home remains
affordable in perpetuity.
•Conversion to a rental property.
•Loss of homestead exemption status or failure to occupy the home as primary
residence.
•Unit is refinanced (includes home equity loans or lines of credit) without prior
authorization from the CLT.
•In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan may be assumed by an eligible heir who will occupy the home as a primary
residence as established in the ground lease. If the legal heir does not comply or
qualify, the heir may, within six months of becoming legal owner, sell the unit at
the resale restricted price to an income-eligible buyer who can assume the
mortgage and note, as approved by the CLT. Otherwise, the transfer of
ownership is considered default, and the outstanding balance will be due and
payable.
If any of these occur, the outstanding balance will be due and payable unless otherwise
noted.
If a superior mortgage holder accelerates the loan or forecloses upon the home, the County
will attempt to obtain repayment of funds via the legal process if the County determines
that adequate funds may be available to justify pursuing repayment.
f. Recipient Selection Criteria:
1. Applicants will be ranked for assistance based first on priorities established in part “I” of the
first section of this plan and then on a first-qualified, first-served basis.
2. CLT homebuyers must complete a homebuyer education class that contains a community
land trust component and/or session with the CLT in addition to a homebuyer education
class that requires CLT buyers to demonstrate and attest to a clear understanding of the
terms of community land trust homeownership.
3. First mortgage lender approval, if applicable.
g.Sponsor Selection Criteria: Applications from potential sponsors/CLTs will be reviewed on an
ongoing basis. The criteria to select sponsors may include, but is not limited to, the following:
1. Community land trusts that meet the definition of a “community land trust” under section
193.018 of the Florida Statutes. Preference will be given to CLTs who have been certified or
are in the process of certification by the Florida Community Land Trust Institute.
2. Quantity and quality of experience in affordable housing development;
3. Experience in developing and/or stewarding CLT homes for permanent affordability;
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4. Financial strength of the sponsor, including the ability to leverage funds from other sources;
5. Ability of the sponsor to complete the project by deadlines established by the City/County;
and
6. Capacity of the sponsor; and
7. Contract for sale/conveyance or site control.
h.Additional Information:
Subsidy for the acquisition, development, construction and rehabilitation of units, new or
existing, will be awarded at the maximum amount to reduce the base price dollar-for-dollar for
initial and subsequent homebuyers via the CLTs stewardship of the ground lease.
This type of assistance may first require that the CLT take ownership of the property (land &
existing improvements) and sell the improvements and enter into a ground lease with the
eligible buyer.
Please see Exhibit K for additional instructions and information for CLT purchases.
Section III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives
with the policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3) for affordable housing projects are expedited to a
greater degree than other projects.
Provide a description of the procedures used to implement this strategy: The Collier County
Board of County Commissioners approved an AHAC recommended Incentive Strategy to
expedite the development review process for qualified affordable workforce housing. Expedited
Permitting, or Fast Track, was amended via Resolution 2018-40.
Initially, a qualification meeting is held with the developer/agent and Community and Human
Services (CHS) staff to determine if the project meets the affordable housing requirements
outlined in Res. 18-40. Those projects that demonstrate compliance are issued a certificate of
affordable housing to allow the expedited review process for all aspects of the development.
Planning and Zoning staff will provide expedited status by assisting these developments first
throughout the process from application through Certificate of Occupancy.
B. Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations, and plan provisions that
increase the cost of housing prior to their adoption.
Provide a description of the procedures used to implement this strategy: Collier County requires
all items that have the potential to increase the cost of housing to be prepared and presented to
the Collier County Board of County Commissioners with the amount of the increase or decrease
identified in the executive summary. The executive summary must be prepared in official
County format and include a description of the Growth Management Impact and the Fiscal
Impact.
The process, by which items are prepared for the BCC Agenda includes a vast approval hierarchy
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to ensure that all proposed actions impacting affordable housing are reviewed on an ongoing
basis. Furthermore, the Collier County Affordable Housing Advisory Committee (AHAC) regularly
forms subcommittees to review impediments to affordable housing, as well as new affordable
housing incentives.
C. Other Incentive Strategies Adopted:
1. Increased Density for Affordable Housing – Collier County allows developers to request
increased density when including a certain percentage of affordable housing in the
proposed development.
An Affordable Housing Density Bonus Agreement must be submitted and approved by the
Collier County Board of County Commissioners as provided for in the Collier County Land
Development Code, § 2.06.00. Improvements to the Affordable Housing Density Bonus
(AHDB) program were approved via Ordinance 2019-02.
2. Inventory of Locally Owned Public Lands Suitable for Affordable Housing.
Collier County prepares an inventory of all real property owned by Collier County that may
be appropriate for use as affordable housing in accordance with Sec. 125.379 F.S. every
three years.
The Collier County Board of County Commissioners approved an AHAC recommended
Incentive Strategy to permit properties identified as appropriate for use as affordable
housing to be offered for sale and the proceeds used to purchase land for the development
of affordable housing, or to increase the local government fund (Housing Trust Fund)
earmarked for affordable housing, or may be sold with a restriction that requires the
development of the property as permanent affordable housing, or may be donated to a
nonprofit housing organization for the construction of permanent affordable housing.
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IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart (HDGC) for Each Fiscal Year Covered in the plan
D. Signed LHAP Certification
E. Signed, dated, witnessed, or attested adopting resolution
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement
H. Short Sale Policy & Short Sale Application
I. Essential Personnel Certification
J. Subordination Policy & Subordination Request Form
K. CLT Acquisition & Development Instructions and Information
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Collier County and the City of Naples
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2022-2023, 2023-2024, 2024-2025
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Table of Contents
Description Page #
Section I, Program Details 3
Section II, Housing Strategies 7
A. Purchase Assistance 7
B. Owner-Occupied Rehabilitation/Locally Declared Emergency Response Assistance 9
C. Demolition and Replacement of Manufactured Housing 12
D. Disaster Assistance 14
E. New Construction Assistance 16
F. Rental Rehabilitation 18
G. Rental Acquisition 20
H. Rental Development 21
Section III, Incentive Strategies 22
A. Expedited Permitting 23
B. Ongoing Review Process 23
C. Other Incentive Strategies Adopted 23
Exhibits 25
A. Administrative Budget for each fiscal year covered in the Plan
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year
Covered in the plan
D. Signed LHAP Certification
E. Signed, dated, witnessed, or attested adopting resolution
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement
H. Short Sale Policy & Short Sale Application.
I. Essential Personnel Certification.
J. Subordination Policy & Subordination Request Form.
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Section I. Program Details:
A. LG(s)
Name of Local Government COLLIER COUNTY BOARD OF COUNTY COMMISSIONERS
Does this LHAP contain an interlocal agreement?Yes
If yes, name of other local government(s)City of Naples
B. Purpose of the program:
•To meet the housing needs of the very low, low, and moderate-income households.
•To expand production of and preserve affordable housing; and
•To further the housing element of the local government comprehensive plan specific to affordable housing.
C. Fiscal years covered by the Plan: 2022-2023, 2023-2024, 2024-2025
D. Governance: The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and
Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes, rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership: The SHIP Program encourages building active partnerships between government,
lending institutions, builders and developers, not-for-profit and community-based housing providers and
service organizations, providers of professional services related to affordable housing, advocates for low-
income persons, real estate professionals, persons or entities that can provide housing or support services
and lead agencies of the local continuums of care.
F. Leveraging: The Plan is intended to increase the availability of affordable residential units by combining local
resources and cost saving measures into a local housing partnership and using public and private funds to
reduce the cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing
Finance Corporation programs and to provide local match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through face-to-face meetings with housing providers, social service
providers and local lenders and neighborhood associations. Public input was further solicited through the
local newspaper in the advertising of the Local Housing Assistance Plan and the Notice of Funding Availability.
H. Advertising and Outreach: SHIP funding availability shall be advertised in a newspaper of general circulation
and periodicals serving ethnic and diverse neighborhoods at least 30 days before the beginning of the
application period. If no funding is available due to a waiting list, no notice of funding availability is required.
For advertisements other than NOFAs, the County will accept applications during the dates specified in the
advertisement distributed via the County website, email or via the County procurement office.
I. Waiting List/Priorities: A waiting list will be established when there are eligible applicants for strategies that no
longer have funding available. Those households on the waiting list will be notified of their status. Applicants will
be maintained in an order that is consistent with the time completed applications were submitted as well as any
established funding priorities as described in this plan.
Applications will be accepted and approved on a first come, first-qualified basis with priority given to households
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with a special needs occupant, or other priorities that may be deemed by the program funder, Florida Housing
Finance Corporation.
When funds are available for a strategy, the applicants from the waiting list will be contacted to complete/update
the application for SHIP assistance. Applicants will be placed in the queue for assistance once they have provided
all required documentation and been deemed SHIP eligible.
Once there is a list of eligible applicants, they will be ranked in the following order. The following priorities for
funding listed here apply to all strategies unless otherwise stated in an individual strategy in Section II:
RANKING PRIORITY
1. Special Needs Households – Very low, low, and moderate–income households and persons
with special needs as defined in 420.0004 (13)
a) Very low
b) Low
c) Moderate
2. Essential Services Personnel
a) Very Low
b) Low
c) Moderate
3. After Special Needs Set-asides and after ESP applicants
a) Very Low
b) Low
c) Moderate
J. Discrimination : In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the
basis of race, color, religion, sex, national origin, age, handicap, or marital status in the award application
process for eligible housing.
K. Support Services and Counseling: Support services are available from various sources. Available support
services may include but are not limited to: Homeownership Counseling (Pre and Post), Credit Counseling,
Tenant Counseling and Foreclosure Counseling.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed 90% of the
average area purchase price in the statistical area in which the eligible housing is located. Such average area
purchase price may be that calculated for any 12-month period beginning not earlier than the fourth calendar
year prior to the year in which the award occurs. The sales price of new and existing units, which can be
lower but may not exceed 90% of the average area purchase price established by the U.S. Treasury
Department or as described above.
The methodology used is:
U.S. Treasury Department X
Local HFA Numbers
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M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program are
updated annually by the Department of Housing and Urban Development and posted at
www.floridahousing.org.
“Affordable” means that monthly rents or mortgage payments including taxes and insurance do not exceed
30 percent of that amount which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual
household’s ability to devote more than 30% of its income for housing, and housing for which a household
devotes more than 30% of its income shall be deemed Affordable if the first institutional mortgage lender is
satisfied that the household can afford mortgage payments in excess of the 30% benchmark and in the case
of rental housing does not exceed those rental limits adjusted for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and selection criteria
for applications for Awards to eligible sponsors shall be developed, which includes a description that
demonstrates how eligible sponsors that employ personnel from the Welfare Transition Program will be given
preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental developments
shall annually monitor and determine tenant eligibility or, to the extent another governmental entity provides
periodic monitoring and determination, a municipality, county, or local housing financing authority may rely
on such monitoring and determination of tenant eligibility. However, any loan or grant in the original amount
of $10,000 or less shall not be subject to these annual monitoring and determination of tenant eligibility
requirements. Tenant eligibility will be monitored annually for no less than 30 years or the term of assistance
whichever is longer unless as specified above. Eligible sponsors that offer rental housing for sale before 30
years or that have remaining mortgages funded under this program must give a first right of refusal to eligible
nonprofit organizations for purchase at the current market value for continued occupancy by eligible persons.
P. Administrative Budget: A line-item budget is attached as Exhibit A. The city/county finds that the moneys
deposited in the local housing assistance trust fund are necessary to administer and implement the local
housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: “A county or an
eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing
body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is
insufficient to adequately pay the necessary costs of administering the local housing assistance plan.”
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further states: “The cost
of administering the program may not exceed 10 percent of the local housing distribution plus 5 percent of
program income deposited into the trust fund, except those small counties, as defined in s. 120.52(19), and
eligible municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of
program income for administrative costs.” The applicable local jurisdiction has adopted the above findings in
the resolution attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be performed by:
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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
ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are
considered first-time homebuyers). A single parent who has only owned a home with a former spouse while
married. An individual who is a displaced homemaker and has only owned with a spouse. An individual who
has only owned a principal residence not permanently affixed to a permanent foundation in accordance with
applicable regulations. An individual who has only owned a property that was not in compliance with state,
local or model building codes and which cannot be brought into compliance for less than the cost of
constructing a permanent structure.
S. Project Delivery Costs: In addition to the administrative costs listed above, the county or sponsor will charge
no more than 5% percent for project delivery cost to cover inspections and other eligible project delivery
activities performed by the county or non-county employees. The delivery cost will be included in the
maximum award to the applicant. Owner- Occupied Rehabilitation and Rental Rehabilitation will include, but
not limited to, such activities as: Inspections, work write-ups, recording fees, application & processing fees,
development of assessments and cost estimates.
T. Essential Service Personnel Definition (ESP): Collier County defines Essential Service Personnel as follows:
Those individuals employed in the community as teachers, educators, other school district employees,
community college and university employees, police and fire personnel, health care personnel, skilled building
trades personnel, and government employees.
U.Describe efforts to incorporate Green Building and Energy Saving products and processes: The County will,
when economically feasible, employ the following Green Building requirements on rehabilitation and
emergency repairs:
All housing rehabilitation and new construction will incorporate “green” standards including but not limited
to:
•Appliances replaced or installed shall be Energy Star.
•Doors and/or windows replaced or installed shall be Energy Star; and
•Any lighting fixture replaced or installed shall be Energy Star
Weatherization shall be incorporated into all homes rehabilitated including but not limited to
weatherization of the attic, floor insulation, if appropriate, and sealing of exterior walls. New construction
is presumed to meet the minimum insulation and sealing requirements. Any replaced or new HVAC unit
shall have a SEER rating of at least 14.
These requirements may be adjusted for rental developments if the requirement of other construction
funding sources requires a more prescriptive list.
Innovative design, green building principles, storm resistant construction or other elements that reduce long
term costs relating to maintenance, utilities or insurance may be encouraged.
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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
Disabilities, United Cerebral Palsy, Residential Options of Florida, Community Assisted and Supported Living,
etc. Additionally, advertisements in publications of general circulation may also be used.
Should efforts to attract special needs clients under the rehabilitation strategy not produce the amount
necessary to reach the set aside, persons meeting the definition of special needs may be assisted with other
approved LHAP strategies and counted towards the set-aside.
W. Describe efforts to reduce homelessness: Collier County supports the Continuum of Care (CoC) efforts to
simplify and broaden outreach and assessment for homeless persons in the County. Much of the outreach to
homeless persons is conducted at community events such as the Point in Time Count. Additionally, outreach is
conducted by the many caseworkers at community agencies, the Hunger and Homeless Coalition of Collier
County, schools, and other entities that encounter the homeless during service delivery or during their regular
course of business. Needs are assessed during these points of contact, and referrals are made as appropriate
for shelter, food, counseling, or other needs. The County works closely with a variety of agencies and local
resources utilized include federal ESG and the State SHIP funds.
Section II. LHAP Strategies:
A. Purchase Assistance without Rehabilitation Code 2
a.Summary: SHIP funds will be awarded to first-time homebuyers for down payment and
closing costs to purchase a newly constructed or an existing single-family home,
manufactured home, or condominium.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c.Income Categories to be served: Very low, low, and moderate
d. Maximum award*: Very Low: $85,000 ESP, $75,000 non-ESP
Low: $65,000 ESP, $55,000 non-ESP
Moderate: $55,000 ESP, $45,000 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%
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3. Years in loan term: 30 years
4. Forgiveness: If all conditions have been met, the loan is forgiven entirely at the end of the 30-year
term. In cases where the qualifying homeowner(s) die(s) during the loan term, the loan will be
forgiven.
5. Repayment: Monthly payments are not required
6. Default: The loan will be determined to be in default if any of the following occurs during the Loan
term: sale, transfer, or conveyance of property; conversion to rental property; or failure to occupy the
home as primary residence. If any of these occur, the outstanding balance will be due and payable.
Persons that qualify for SHIP assistance will be required to contractually agree to all SHIP program
guidelines, County SHIP mortgage requirements, repayment provisions, and certify that the unit
assisted will be their primary residence.
In addition to the above, the loan may be determined to be in default if any of the following occurs:
i. Sale: if proceeds are not enough to pay off the promissory note then the homeowner may
contact the County Regarding a settlement amount of the SHIP loan that is outlined in the
County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial sale, levy or
other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer primary residence, abandoned, leased, or rented.
The County reserves the right to foreclose if the homeowner does not repay the loan as noted above.
If the home is foreclosed on by a superior mortgage holder, the County may try to recapture funds through the
legal process if it is determined that adequate funds may be available to justify pursuing a recapture.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on first-qualified, first-served
basis with the priorities for Special Needs, Essential Services Personnel, income groups as described in
Section I, Program Details, of this plan.
g. Sponsor Selection Criteria: N/A
h. Additional Information: Applicants must secure a first mortgage from a licensed mortgage lender.
Other requirements:
1. Manufactured homes constructed June 1994 forward are considered eligible housing pursuant to
Section 420.9071 (9), Florida Statute.
2. First mortgage must be at a fixed rate; no ARM’s, prepayment penalty, negative amortizations,
balloon loan, owner financing or other non-affordable loan terms are allowed.
3. A newly constructed home must have received a Certificate of Occupancy within the twelve months
prior to purchase. A manufactured home must be in place with all site requirements met and a valid
certificate of occupancy. Funding, which is provided as a subordinate mortgage loan, may be used for
down payment, closing costs and principle buy-down as needed for affordable home ownership.
4. Refinance may be allowed in accordance with the published “Subordination Policy”.
5. An applicant may submit a completed application for housing assistance to the County for a
determination of eligibility at any time. Applicants are required to provide all documentation
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requested for income, eligibility, and qualification determination.
6. Funds will be reserved and awarded to applicants that have met all the County requirements, are SHIP
Income Certified, and have a mortgage loan pre-approval from a participating Lender prior to
applying.
7. Applicants must attend a HUD approved Homebuyer Education Program and provide a copy of the
certificate to the Division prior to closing on a home. The certificate must be dated within one year of
income certification date.
8. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent residence card.
9. Asset Cap or liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00 upon
completion of their assistance. However, the Board of County Commissioners will have the authority
to suspend the asset cap/liquid assets in determining income qualifications during recovery from a
declared disaster.
B. Owner-Occupied Rehabilitation
Locally Declared Emergency Response Assistance Code 3,5
a.1. Summary-Owner-Occupied Rehabilitation (OOR): 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.
a.2. Summary-Locally Declared Emergency Response Assistance (LDERA): SHIP funds will be
awarded to households affected by a locally declared emergency who need assistance
covering costs not paid by homeowner’s insurance, or for those without insurance
coverage. Eligible expenses may include fees for tree and debris removal, correction of
immediate minor code violations, tipping fees, and dumpster rentals, or any other fees or
costs that are not otherwise covered through homeowner’s or flood insurance. Before any
funds can be expended under this SHIP Program for an event, the Board must first declare a
Local Emergency at a public hearing.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d.1. Maximum award (OOR): $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)
2. Maximum award (LDERA): $10,000
e. 1. Terms: Owner-Occupied Rehabilitation
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 a Florida Department of
Motor Vehicles title.
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2. Interest Rate: 0%
3. Years in loan term: 15 years
4. Forgiveness: If all conditions of the loan agreement are met, one-third of the loan will be forgiven
in five-year increments so that at the end of the fifteenth (15) year, the loan is fully forgiven. In
cases where the qualifying homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during the
Loan term: sale, transfer, or conveyance of property; conversion to rental property; or failure to
occupy the home as primary residence. If any of these occur, the outstanding balance will be
due and payable. Persons that qualify for SHIP assistance will be required to contractually agree
to all SHIP program guidelines, County SHIP mortgage requirements, repayment provisions, and
certify that the unit assisted will be their primary residence.
In addition to the above, repayment of the loan is required in full when one of the following conditions is
met, whichever occurs first:
i. Sale: if the proceeds are not enough to pay off the promissory note, then the homeowner
may contact the County regarding a settlement amount of the SHIP loan that is outlined in the
County’s “Short Sale Policy”.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial sale, levy or
other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: may be allowed in accordance with the published “Subordination Policy”.
iv. Home is no longer the 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.
e. 2. Terms: Locally Declared Emergency Response Assistance
1. Repayment loan/deferred loan/grant: Funds will be awarded as a grant with no recapture terms.
2. Interest Rate: N/A
3. Years in loan term: NA
4. Forgiveness: N/A
5. Repayment: N/A
6. Default: N/A
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on first-qualified, first served
basis with the priorities for Special Needs, Essential Services Personnel, income groups as described in
Section I, Program Details, of this plan.
An applicant may submit a completed application for SHIP Owner-Occupied Rehabilitation and/ or Locally
Declared Emergency Response 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.
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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 the 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. Must
complete an FHFC-approved “Disaster Self-Declaration of Income” form, if applicable under
this strategy.
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 locally declared emergency.
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.1.Owner Occupied Rehabilitation Additional Information: Manufactured homes will only be eligible for
housing assistance if owner occupied, is affixed to the ground, the land is (a) owned and homesteaded by
the occupant or (b) leased/rented by the homeowner. Manufactured homes constructed June 1994
forward are considered eligible housing pursuant to Section 420.9071 (8), Florida Statute. The repairs
must not exceed 90% of the value of the existing property and residence; and all repairs are within
existing codes for the property. For an owner-occupied mobile or manufactured home on land that is
leased, a State of Florida Vehicle Certificate of Title will list Collier County Board of County Commissioners
on the title as the security interest in the unit.
Homeowners may receive additional Rehabilitation funding provided it has been at least three (3) years
since the last rehabilitation. Disaster Assistance and Local Declared Emergency Response Assistance -
related funding is exempt from this restriction.
2. Locally Declared Emergency Response Assistance- Additional Information: Residents using this
strategy during a locally declared emergency are required to submit a lease agreement or mortgage
statement for each approved locally declared emergency event. Payment(s) will be paid directly to the
service provider, a licensed contractor, or a licensed business on behalf of the applicant. The applicant
may be reimbursed directly if they provide proof of payment and invoice, and/or receipt. Manufactured
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homes constructed after June 1994 are considered eligible housing pursuant to Section 420.9071 (9),
Florida Statute. Residents will need to provide documentation to demonstrate a relationship and direct
impact on the locally declared emergency.
C. Demolition and Replacement of Manufactured Housing Code 4
a. Summary: SHIP funds will be awarded to homeowners in need of demolition and replacement of
manufactured housing. This strategy will be used in lieu of rehabilitation when costs to repair the home are
determined to exceed 51% of the home’s value, as determined by the County. The goal is to prevent the
imminent displacement of homeowners due to distressed conditions, encourage revitalization and increase the
supply of safe, decent, and sanitary housing. Awards made under this strategy will not exceed 20% of the
County’s allocation.
The property site must be suitable for demolition/replacement. Loans for assistance may include costs
related to all eligible demolition activities, debris removal, permits, transportation, installation, inspections by
the sponsor, work write-ups, sales tax, recording fees and project delivery fees.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $175,000. (Up to $165,000 for construction, plus up to $10,000 for relocation
expenses)
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred payment loan secured by
a recorded subordinate mortgage and note, or if the unit is on leased land, a security instrument in
accordance with the Florida Department of Motor Vehicle will be recorded.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness: If all conditions of the loan are met, one-third of the loan will be forgiven in ten-year
increments so that at the end of the thirtieth year the loan is forgiven. In cases where the qualifying
homeowner(s) die(s) during the loan term, the loan will be forgiven.
5. Repayment: Monthly payments are not required.
6. Default: The loan will be determined to be in default if any of the following occurs during the Loan
term: sale, transfer, or conveyance of property; conversion to rental property; or failure to occupy the
home as primary residence. If any of these occur, the outstanding balance will be due and payable.
Persons that qualify for SHIP assistance will be required to contractually agree to all SHIP program
guidelines, County SHIP mortgage requirements, repayment provisions, and certify that the unit
assisted will be their primary residence.
In addition to the above, the loan will be determined to be in default if any of the following occurs
during the Loan term:
i. Sale: if proceeds are not enough to pay off the promissory note then the property owner may
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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.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a first-qualified, first-served
basis with the priorities for Special Needs, Essential Services Personnel, income groups as described in
Section I, Program Details, of this plan.
g.Sponsor Selection Criteria: N/A
h. Additional Information:
An applicant shall submit a completed application for Demolition and Replacement Housing assistance to
the County for a determination of eligibility at any time. Applicants are required to provide all
documentation requested for income, eligibility, and qualification determination.
1. For manufactured homes not located on a leased or rental land, ownership must be a fee simple
estate at the time of closing with the name of the applicants on the title.
2. Property taxes must be current at the time of application and closing. Delinquent property taxes are
a basis for denial.
3. The value after replacement may not exceed the SHIP maximum allowable purchase price for existing
homes.
4. The replacement housing shall be consistent with the character of the household, neighborhood, and
area wide market conditions. The homeowner may choose the most suitable replacement housing to
meet their needs.
5. The existing home must be damaged or in disrepair to the extent that the home is condemned by
Collier County Growth Management Department, the Department of Health, or the County’s third-
party inspector/general contractor.
6. Must provide proof of homeowner’s insurance or attestation of no insurance.
7. If applicable, must file a claim for and use proceeds from insurance as first option.
8. If applicable, must complete an FHFC approved “Disaster Self-Declaration of Income” form.
9. Where the unit and land are owned by the same person, the unit assisted must be owner-occupied
and have applied for, or already be homesteaded as the primary residence. Owner-occupied
manufactured homeowners renting their lot may also apply for assistance.
10. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
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following: U.S. Passport, Birth Certificate, naturalization, and or permanent resident card.
11. Asset Cap or Liquid Assets: All applicants will be limited to a cash or liquid asset of $30,000.00 upon
completion of the demolition and replacement assistance. This asset cap applies to all SHIP
strategies. However, the Board of County Commissioners will have the authority to suspend the asset
cap/liquid assets in determining income qualifications during recovery from a declared disaster.
12. Primary Residence: Documentation used for verification of primary residence includes, but is not
limited to homestead exemption, utility bill(s), or driver’s license.
Additional SHIP funds can be used to bring building site and improvements up to Local, State, and Federal
requirements, Homeowner’s Association by-laws, and/or to adequately replace the amenities of the
existing home. These additional site improvement costs may include, but are not limited to geotechnical
surveys, engineering, concrete pilings/piers, septic system improvements, fill, sod, driveways, storage
sheds and any other requirements as noted above.
D. Disaster Assistance Code 5 & 16
a. Summary: Disaster Assistance aids households in incorporated or unincorporated Collier County in the
aftermath of a disaster as declared by the President of the United States or Governor of the State of Florida,
to include households that were displaced or financially impacted in another disaster affected area and then
relocated to Collier County after the disaster event. 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 the 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 and septic systems where public water and/or
sewer are not available.
(d) Payment of insurance deductibles for rehabilitation of homes covered under homeowners’ insurance
policies.
(e) Security deposit and additional move-in deposits or fees listed in a lease for eligible recipients who have
been displaced from their homes due to a disaster or have experienced a financial impact directly related to
the storm.
(f) Temporary Rental and/or relocation assistance for eligible recipients who have been displaced from their
homes due to a disaster or have experienced a financial impact directly related to the storm.
(g) Temporary Rental and/or relocation assistance for households with a mortgage that have been displaced
due to the disaster while their home is being repaired.
(h) Temporary mortgage payments and utility payments for up to homesteaded homeowners who have a
direct financial impact directly financially impacted by a disaster.
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(i) Foreclosure prevention services and housing counseling
(j) Relocation and moving expenses, if necessary.
(k) One-time full premium payment of a Homeowner’s and/or Flood Insurance Policy for homeowners not
covered under an insurance policy at the time of a disaster or those homeowners who could not afford the
renewal after the storm due to an insurance premium increase.
i. The homeowner must sign a Property Insurance deferral lien agreement in the amount of
the one-year premium.
ii. The debt, will be reduced on a pro-rated month-for-month basis during the year, any
unused months created by the sale of the property, title transfer, home is no longer primary
residence, or is leased or rented within the one-year term, will immediately become due to
the County.
iii. One-year term.
iv. Interest Rate (0%)
v. No Payments are required
(l) Hotel or Motel or short-term Rental (VRBO/Airbnb) payments for up to 90 days for recipients displaced
and in need of temporary housing until their home and/or rental unit is repaired OR a new unit is secured
(Daily lodging rates will be pursuant to U.S General Services Administration (GSA) published rates at the time
of the Disaster)
(m) Rehabilitation/Hardening/Mitigation for owner-occupied residence [i.e., Roofs, Hurricane Impact
windows, storm shutters, and doors, installation of generators (special needs required, etc.)] Under this
activity, the maximum award amount shall not exceed $50,000.
(n) Strategies included in the approved LHAP that benefit applicants directly affected by the declared
disaster.
(o) Other activities as proposed by the county and approved by Florida Housing Finance Corporation.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $25,000 per household, per declared disaster event. This may include a combination
of items listed in Disaster Assistance (a) through (l), (n), and (o). This will be a grant with no recapture terms.
Item (l) recapture is specified above.
Maximum award: $50,000 per household. This includes Disaster Assistance item m only. This will be a
grant with no recapture terms.
e. Terms:
1.Grant: Funds will be awarded as a grant with no recapture terms. Except for Item (l) recapture as
specified above.
2.The terms of an award under other strategies, if used in conjunction, will apply to the other
strategies.
2. Interest Rate: N/A
3. Years in loan term: N/A
4. Forgiveness: N/A
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5. Default: N/A
f. Recipient Selection Criteria: Applicants will be assisted on a first-qualified, first-served basis with the
following additional requirements:
1. Must provide proof of homeowner’s insurance or attestation of no insurance, if applicable.
2. If applicable, homeowners must file a claim for and use proceeds from insurance and/or
FEMA as first option.
3. Must complete an FHFC approved “Disaster Self-Declaration of Income” form, if applicable.
4. Where the unit and land are owned by the same person, the unit assisted must be owner-
occupied and must 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 resident
card.
6. Primary Residence: Documentation used for verification of primary residence includes, but is
not limited to lease, paystubs, tax returns, homestead exemption, utility bill(s), or driver’s
license.
g. Sponsor Selection Criteria: N/A.
h. Additional Information: Residents using this strategy during a disaster recovery are required to submit
lease agreements, mortgage statements, past due notices or proper invoices and receipts as applicable
for each approved disaster activity above. Mortgage, Rent, Utility and Counseling payments will be made
directly to a landlord, financial institution, utility company or contracted community partner.
Reimbursement for other Disaster Assistance expenses will require invoices and paid receipts, proof of
insurance deductible and proof of FEMA funds, as appropriate. Payments will be made to the service
provider, community partner, or resident. Manufactured homes constructed June 1994 forward are
considered eligible housing pursuant to Section 420.9071 (8), Florida Statute. Residents will need to
provide documentation to demonstrate a relationship to the declared disaster.
The County reserves the right to inspect for compliance prior to reimbursement.
E. New Construction Assistance Code 10
a. Summary: SHIP funds may be provided to organizations to be used for costs including, but limited to,
land acquisition, infrastructure, landscape and development costs, and all associated fees and permits
for single-family housing for resale to eligible home buyers in incorporated or unincorporated Collier
County. The units may be constructed on infill lots or as a part of a larger development. The funds
awarded to the Sponsor will be passed through to the eligible buyer as down payment assistance.
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b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award (per unit for Sponsor and buyer): $75,000/unit
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 the 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.
f. Home Buyer Selection Criteria- Sponsor shall identify applicants and provide the Application intake and
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income certification of households applying for Construction Assistance, as specified in their agreement
with the County.
Applicants will be ranked for assistance based on a first-qualified, first-served basis with the priorities for
Special Needs, Essential Service Personnel and income group as described in Section I.
1. Applicants must complete a HUD approved Homebuyer Education Program and provide a copy of the
certification to the Sponsor prior to closing on a property. The certificate must be dated prior to the
SHIP award date and be good through closing.
2. Verification of US Citizenship or Permanent Residency Status: All borrowers must submit one of the
following: U.S. Passport, Birth Certificate, naturalization, and or permanent resident card.
3. Asset Cap or Liquid Assets: All beneficiaries will be limited to a cash or liquid asset of $30,000.00 upon
completion of their new construction assistance. However, the Board of County Commissioners will
have the authority to suspend the asset cap/liquid assets in determining income qualifications during
recovery from a declared disaster.
g. Sponsor Selection Criteria – The County will issue notice of an ongoing Application for Construction
Assistance from non-profit/for profit organizations.
Sponsor organizations must apply and provide any related information, specified by the SHIP
Administrator, to be used for evaluation of sponsor eligibility.
CHS staff will evaluate each application submitted. In the initial phase, staff will review the application for
general conformance with the submission requirements. The evaluation phase will consist of an in-depth
review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
h. Additional Information: N/A
F. Rental Rehabilitation Code 14
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
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c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: $500,000 per property as identified by the Collier County Property Appraiser. The
maximum rehabilitation per unit award amount is $30,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage, promissory note, and a land use restriction agreement placed on the property being
rehabilitated.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met the loan is forgiven at the end of the 30th year.
6. Default: Loan default will be triggered by any of the following actions:
i. Sale - if proceeds are not enough to pay off the mortgage note then the property owner (not-
for-profit or for profit or landlord) may contact the county regarding a settlement amount of
the SHIP loan.
ii. Title transfer - either voluntary or by operation of law, divested of title by judicial sale, levy or
other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance - a refinance of the first mortgage may be approved without repayment if the
request is submitted in writing and the refinance is at a lower fixed rate and/or term with no
cash out.
iv. Change in use - Property no longer serves the intended population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
g. Tenant Selection Criteria: Units receiving assistance must be reserved on a first-qualified, first-served
basis for income eligible residents.
h. Sponsor Selection Criteria: Non-profit/for-profit housing sponsors or landlords will be evaluated using
established evaluation and selection criteria.
CHS staff will evaluate each application submitted. In the initial phase staff will review the application for
general conformance with the submission requirements. The evaluation phase will consist of an in-depth
review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
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i. Additional Information: Once the improvements are completed, the sponsor/landlord shall ensure all
eligible tenants who occupy the units on subject property, will be income qualified during the thirty (30)
year loan term.
Individual tenants seeking repairs on their individual rental units may not directly apply for assistance
from this strategy. The SHIP funds used in the rehabilitation rental program may be leveraged by public
and private sources.
G. Rental Acquisition Code 20
a. Summary: The program is designed to acquire rental units within Collier County. The sponsor must
purchase units in Collier County to create rental opportunities for very-low, low, and moderate
income tenants and Special Needs households as defined in 420.0004 (13).
b.Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c.Income Categories to be served: Very low, low, and moderate
d.Maximum award: $500,000 per property, as identified by the Collier County Property Appraiser.
Terms:
1. Repayment loan/deferred loan/grant: Funds will be made available by loans secured by a subordinate
mortgage, promissory note, and land use restriction agreement placed on the property acquired.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Repayment: Monthly payments are not required.
5. Forgiveness: If all conditions of the loan are met, then the loan is forgiven after 30 years.
6. Default: Repayment of the loan is required in full under the following conditions:
i. Sale: if proceeds are not enough to pay off the promissory note, then the property owner
(non-profit or for-profit) may contact the County regarding a settlement amount of the SHIP
loan.
ii. Title transfer: either voluntarily or by operation of law, divested of title by judicial sale, levy
or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if the
request is submitted in writing and the refinance is at a lower fixed rate and/or term, with no
cash out
iv. Property will no longer serve the intended target population.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
g. Tenant Selection Criteria: Tenants will be selected on a first-qualified, first-served basis.
h. Sponsor Selection Criteria: Non-profit/for-profit housing sponsors will be evaluated using established
evaluation and selection criteria.
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CHS staff will evaluate each application submitted. In the initial phase staff will review the application for
general conformance with the submission requirements. The evaluation phase will consist of an in-depth
review of the following:
•Compliance with SHIP regulations
•Project risk analysis
•Financial risk analysis
•Capacity and experience
•Project feasibility
•Adherence to SHIP eligibilities/requirements
•Past performance evaluation
i.Additional Information: Once the acquisition is completed, the sponsor shall ensure all eligible tenants
who occupy the units on subject property, will be income qualified on an annual basis during the twenty-
year loan term.
H. Rental Development Code 21
b.Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
c. Income Categories to be served: Very low, low, and moderate
d. Maximum award: 1. The applicable dollar figure as determined annually by the Florida Housing
Finance Corporation for match contribution per developer whose application is
approved through the Florida Housing Finance Corporation for low-income
housing tax credits.
2. $1,000,000 per development under 50 units
3. $2,000,000 per development with 50 units or less, that includes at
least 20% Special Needs units.
4. $3,000,000 per development with over 50 units
e. Terms:
1. Repayment loan/deferred loan/grant: For-profit developers, funds will be awarded as a loan secured
by a recorded subordinate mortgage, promissory note, and land use restriction agreement, against
the property.
a. Summary: Funds will be awarded to sponsors/developers of affordable rental units for
construction, impact fees, land acquisition, and costs to support financing to augment 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.
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For non-profit developers, funds will be awarded as a forgivable loan secured by a recorded
subordinate mortgage, promissory note, and land use restriction agreement, against the property.
2. Interest Rate: 0%
3. Years in loan term: 30 years
4. Forgiveness:
i. For for-profit developers, the loan is due and payable at the end of the term unless the County
negotiates an extended loan term to secure affordable rental units in the best interest of the
County’s residents.
ii. For Non-profit developers, one-third of the principal loan balance is forgiven every ten years
through the thirty (30) year term.
5. Repayment: Monthly payments are not required.
6. Default: For all awards, the outstanding balance will be due and payable, and a default will be
determined if any of the following occurs:
i. Sale: if proceeds are not enough to pay off the promissory note then the property owner
(not-for-profit or for profit) may contact the county regarding a settlement amount of the
SHIP loan.
ii. Title transfer: either voluntary or by operation of law, divested of title by judicial sale, levy
or other proceedings, including foreclosure or Deed in Lieu.
iii. Refinance: a refinance of the first mortgage may be approved without repayment if the
request is submitted in writing and the refinance is at a lower fixed rate and/or term with
no cash out.
iv. Property will no longer serve the intended target population.
Repaid funds are considered program income, a portion of which may be used for program administration.
f. Recapture: Eligible Sponsors that offer rental housing for sale before the end of the 30-year term must
give First Right of Refusal to other eligible nonprofit sponsors for purchase per Section 420.9075(5)(i)
Florida Statutes.
g. Tenant Selection Criteria: All applicants for residence in a SHIP-assisted unit must meet income
qualifications of the program as determined and reported by the developer for the development and will
be served on a first-qualified basis.
h. Sponsor Selection Criteria: Sponsors will apply to the County through an application or solicitation
process. The application/solicitation will require proof of developer experience in providing affordable
rental housing, proof of financial capacity, proof of ability to proceed once all funding is closed, and an
approved housing unit design plan that meets with the County’s housing element in the Comprehensive
Plan.
The County reserves the right to select developments that have met all the above requirements and:
a. Are in areas of immediate need due to lack of available units.
b. Propose to preserve and improve existing units.
All funding awards will be subject to closing on other funding sources.
i. Additional Information: Sponsors will be required to meet compliance reporting requirements on the
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development necessary to meet the statutory requirements for monitoring of SHIP rental units.
Section III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives with the
policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3) for affordable housing projects are expedited to a greater
degree than other projects.
Provide a description of the procedures used to implement this strategy: The Collier County Board of
County Commissioners approved an AHAC recommended Incentive Strategy to expedite the development
review process for qualified affordable workforce housing. Expedited Permitting, or Fast Track, was
amended via Resolution 2018-40.
Initially, a qualification meeting is held with the developer/agent and Community and Human Services
(CHS) staff to determine if the project meets the affordable housing requirements outlined in Res. 18-40.
Those projects that demonstrate compliance are issued a certificate of affordable housing to allow the
expedited review process for all aspects of the development. Planning and Zoning staff will provide
expedited status by assisting these developments first throughout the process from application through
Certificate of Occupancy.
B. Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations, and plan provisions that increase
the cost of housing prior to their adoption.
Provide a description of the procedures used to implement this strategy: Collier County requires all items
which have the potential to increase the cost of housing to be prepared and presented to the Collier
County Board of County Commissioners with the amount of the increase or decrease identified in the
executive summary. The executive summary must be prepared in official County format and include a
description of the Growth Management Impact and the Fiscal Impact.
The process, by which items are prepared for the BCC Agenda includes a vast approval hierarchy to ensure
that all proposed actions impacting affordable housing are reviewed on an ongoing basis. Furthermore,
the Collier County Affordable Housing Advisory Committee (AHAC) regularly forms subcommittees to
review impediments to affordable housing, as well as new affordable housing incentives.
C. Other Incentive Strategies Adopted:
1. Increased Density for Affordable Housing – Collier County allows developers to request increased
density when including a certain percentage of affordable housing in the proposed development.
An Affordable Housing Density Bonus Agreement must be submitted and approved by the Collier
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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.
2. Inventory of Locally Owned Public Lands Suitable for Affordable Housing.
Collier County prepares an inventory of all real property owned by Collier County that may be
appropriate for use as affordable housing in accordance with Sec. 125.379 F.S. every three years.
The Collier County Board of County Commissioners approved an AHAC recommended Incentive
Strategy to permit properties identified as appropriate for use as affordable housing to be offered
for sale and the proceeds used to purchase land for the development of affordable housing, or to
increase the local government fund (Housing Trust Fund) earmarked for affordable housing, or
may be sold with a restriction that requires the development of the property as permanent
affordable housing, or may be donated to a nonprofit housing organization for the construction of
permanent affordable housing.
There are currently two County-owned parcels of land (Bembridge and the Golden Gate Golf
Course) that are slated for future development of housing that is affordable in Collier County in
2022 and 2023.
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IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan.
B. Timeline for Estimated Encumbrance and Expenditure.
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the plan.
D. Signed LHAP Certification.
E. Signed, dated, witnessed, or attested adopting resolution.
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement.
H. Short Sale Policy & Short Sale Application
I. Essential Personnel Certification.
J. Subordination Policy & Subordination Request Form .
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