Agenda 12/09/2025 Item #16D11 (The Chair to sign thirty-five (35) mortgage satisfactions for the State Housing Initiatives Partnership loan program)12/9/2025
Item # 16.D.11
ID# 2025-4660
Executive Summary
Recommendation to approve and authorize the Chair to sign thirty-five (35) mortgage satisfactions for the State Housing
Initiatives Partnership loan program in the amount of $223,363.00. (SHIP Grant Fund 1053)
OBJECTIVE: To advance the County’s strategic goal of Community Development by expanding affordable housing
opportunities for low- and moderate-income residents through homeownership and rehabilitation programs funded by the
State Housing Initiatives Partnership (SHIP)
CONSIDERATIONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable housing program,
offers assistance to first-time homebuyers for use toward a portion of the required down
payment and emergency repairs to the newly acquired home, or rehabilitation assistance to homeowners for
rehabilitation to their homesteaded property. As a condition of the loan, the homeowner must repay the assistance
provided upon sale before the end of the affordability term, refinance or loss of homestead exemption. If all conditions of
the loan are met, the loan is fully forgiven.
The following table provides details regarding the associated mortgages that have met the affordability period or were
paid off, therefore, satisfactions of mortgage are required. None of the properties listed in the following table had a
Countywide Impact Fee Agreement Lien.
File # Name
Reason for
Payoff
Public
Record
Mortgage or
Mortgage
Modification
Amount
Payment
Amount
SHIP
Impact Fee
Y/N
00-007 Janice Bevars Affordability
period met
OR 2589
PG 2134
$2,500.00 $0.00 N
02-218 Erna Milien
and Franchille
Pierre
Affordability
period met
OR 3067
PG 1773
$5,000.00 $0.00 Y*
11-110 Mary Ann
Cenedella
Property Sold OR 4932
PG 2079
$20,000.00 $20,000.00** N
AR09-
011
Ruta Zelviene Affordability
period met
OR 4553
PG 2020
$10,863.00 $0.00 N
03-227 Ismael Perez
and Janice
Perez
Affordability
period met
OR 3396
PG 0847
$5,000.00 $0.00 N
03-228 Candido
Mendez and
Maria Mendez
Affordability
period met
OR 3338
PG 1318
$2,500.00 $0.00 Y***
03-230 Heriberto
Sanchez and
Gloria Sanchez
Affordability
period met
OR 3345
PG 1755
$2,500.00 $0.00 Y***
03-232 Christina
DeLeon
Affordability
period met
OR 3342
PG 1025
$5,000.00 $0.00 N
03-235 Tony Addison
and Valencia
Addison
Affordability
period met
OR 3371
PG 2933
$2,500.00 $0.00 N
03-241 Francisco
Ramirez and
Affordability
period met
OR 3342
PG 1072
$5,000.00 $0.00 Y*
Page 5554 of 9661
12/9/2025
Item # 16.D.11
ID# 2025-4660
Catalina
Ramirez
03-242 Reynaldo
Vergara and
Mayte Alonso
Affordability
period met
OR 3342
PG 1167
$2,500.00 $0.00 Y*
03-244 Jean G.
Senatus and
Josette Senatus
Affordability
period met
OR 3342
PG 1097
$2,500.00 $0.00 Y*
03-247 Pablo Macedo
and Rita
Macedo
Affordability
period met
OR 3342
PG 1150
$5,000.00 $0.00 Y*
03-266 Laurette I.
Bonhomme
and Louis J.
Vilcin
Affordability
period met
OR 3385
PG 2487
$2,500.00 $0.00 Y*
03-248 Illane Hilaire Affordability
period met
OR 3372
PG 990
$5,000.00 $0.00 Y*
03-249 Elizabeth
Mosquera
Affordability
period met
OR 3372
PG 2357
$5,000.00 $0.00 Y*
03-250 Luis A.
Carrazana and
Ramona V.
Torne
Affordability
period met
OR 3371
PG 2149
$5,000.00 $0.00 Y*
03-251 Sergio Estrada
Dominguez
and Maria A.
Alonso
Affordability
period met
OR 3353
PG 3211
$5,000.00 $0.00 Y*
03-252 Carlos P.
Nunez and San
Juana Nunez
Affordability
period met
OR 3342
PG 837
$5,000.00 $0.00 Y*
03-256 Rene Dorvil
and Clomene
Dorvil
Affordability
period met
OR 3372
PG 331
$5,000.00 $0.00 Y*
03-258 Juan Marin
Solis and
Carmela
Pacheco
Affordability
period met
OR 3366
PG 2838
$5,000.00 $0.00 Y*
03-259 Juan Zapata
and Carmelita
Zapata
Affordability
period met
OR 3379
PG 2700
$5,000.00 $0.00 Y*
03-261 Osniel Placeras
and Marta Gil
Affordability
period met
OR 3402
PG 2153
$5,000.00 $0.00 Y*
03-265 Efrain
Mendoza and
Rebeca
Mendoza
Affordability
period met
OR 3466
PG 2091
$5,000.00 $0.00 N
03-268 Roberto Perez
and Dianelys
Munoz
Affordability
period met
OR 3415
PG 0944
$5,000.00 $0.00 Y*
03-269 Simon
Patarroyo and
Affordability
period met
OR 3415
PG 0747
$5,000.00 $0.00 Y*
Page 5555 of 9661
12/9/2025
Item # 16.D.11
ID# 2025-4660
Maria Avila
03-270 Jorel Hyppolite
and Alberonise
Hyppolite
Affordability
period met
OR 3662
PG 2025
$10,000.00 $0.00 Y*
03-271 Rafael Palacios
and Maria
Perez
Affordability
period met
OR 3729
PG 3112
$10,000.00 $0.00 Y*
03-272 George Saintil
and Claircia St.
Vill
Affordability
period met
OR 3674
PG 2996
$10,000.00 $0.00 Y*
03-273 Monette
Gustave
Affordability
period met
OR 3674
PG 2405
$10,000.00 $0.00 Y*
03-274 Pedro Figuerdo
Suarez and
Rocio
Caballero
Ramirez
Affordability
period met
OR 3729
PG 3305
$10,000.00 $0.00 Y*
03-275 Nicole VincentAffordability
period met
OR 3676
PG 1265
$10,000.00 $0.00 Y*
03-278 Hector M.
Garcia and
Sandra Garcia
Affordability
period met
OR 3676
PG 1692
$10,000.00 $0.00 Y*
03-279 Yverlande
Cadet
Affordability
period met
OR 3680
PG 3803
$10,000.00 $0.00 Y*
03-280 Joseph E.
Exantus and
Mireille B.
Exantus
Affordability
period met
OR 3681
PG 0889
$10,000.00 $0.00 Y*
Total $223,363.00 $20,000.00
*Property had SHIP Impact Fees which have been released
**Income recognized in a previous fiscal year
**SHIP Impact Fees to be released 12.9.25
Approval of this item will authorize the Chairman to sign the aforementioned mortgage satisfactions and the executed
document shall be recorded in the Public Records of Collier County, Florida.
This item is consistent with the Collier County strategic plan objective to support comprehensive affordable housing
opportunities.
FISCAL IMPACT: There is no fiscal impact. The repayment of $20,000.00 was previously recognized in the year the
funds were paid. The $10 recording fee for the satisfactions of mortgage will be paid from the SHIP Grant Fund (1053),
Project 33907.
GROWTH MANAGEMENT IMPACT: There is no growth management impact.
LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority vote for Board
approval. -JAK
RECOMMENDATION(S): To approve and authorize the Chair to sign thirty-five (35) mortgage satisfactions for the
Page 5556 of 9661
12/9/2025
Item # 16.D.11
ID# 2025-4660
State Housing Initiatives Partnership loan program in the amount of $223,363.00. (SHIP Grant Fund 1053)
PREPARED BY: Michelle Rubbo, Grants Support Specialist II, Community and Human Services Division
ATTACHMENTS:
1. Satisfaction of Mortgage (35) Signed
2. 12.9.25 SHIP SOMS Affordability Met Backup
Page 5557 of 9661
Page 5558 of 9661
Page 5559 of 9661
Page 5560 of 9661
Page 5561 of 9661
Page 5562 of 9661
Page 5563 of 9661
Page 5564 of 9661
Page 5565 of 9661
Page 5566 of 9661
Page 5567 of 9661
Page 5568 of 9661
Page 5569 of 9661
Page 5570 of 9661
Page 5571 of 9661
Page 5572 of 9661
Page 5573 of 9661
Page 5574 of 9661
Page 5575 of 9661
Page 5576 of 9661
Page 5577 of 9661
Page 5578 of 9661
Page 5579 of 9661
Page 5580 of 9661
Page 5581 of 9661
Page 5582 of 9661
Page 5583 of 9661
Page 5584 of 9661
Page 5585 of 9661
Page 5586 of 9661
Page 5587 of 9661
Page 5588 of 9661
Page 5589 of 9661
Page 5590 of 9661
Page 5591 of 9661
Page 5592 of 9661
Page 5593 of 9661
Page 5594 of 9661
Page 5595 of 9661
Page 5596 of 9661
Page 5597 of 9661
Page 5598 of 9661
Page 5599 of 9661
Page 5600 of 9661
Page 5601 of 9661
Page 5602 of 9661
Page 5603 of 9661
Page 5604 of 9661
Page 5605 of 9661
Page 5606 of 9661
Page 5607 of 9661
Page 5608 of 9661
Page 5609 of 9661
Page 5610 of 9661
Page 5611 of 9661
Page 5612 of 9661
Page 5613 of 9661
Page 5614 of 9661
Page 5615 of 9661
Page 5616 of 9661
Page 5617 of 9661
Page 5618 of 9661
Page 5619 of 9661
Page 5620 of 9661
Page 5621 of 9661
Page 5622 of 9661
Page 5623 of 9661
Page 5624 of 9661
Page 5625 of 9661
Page 5626 of 9661
Page 5627 of 9661
Page 5628 of 9661
Page 5629 of 9661
Page 5630 of 9661
Page 5631 of 9661
Page 5632 of 9661
Page 5633 of 9661
Page 5634 of 9661
Page 5635 of 9661
Page 5636 of 9661
Page 5637 of 9661
Page 5638 of 9661
Page 5639 of 9661
Page 5640 of 9661
Page 5641 of 9661
Page 5642 of 9661
Page 5643 of 9661
Page 5644 of 9661
Page 5645 of 9661
Page 5646 of 9661
Page 5647 of 9661
Page 5648 of 9661
Page 5649 of 9661
Page 5650 of 9661
Page 5651 of 9661
Page 5652 of 9661
Page 5653 of 9661
Page 5654 of 9661
Page 5655 of 9661
Page 5656 of 9661
Page 5657 of 9661
Page 5658 of 9661
Page 5659 of 9661
Page 5660 of 9661
Page 5661 of 9661
Page 5662 of 9661
Page 5663 of 9661
Page 5664 of 9661
Page 5665 of 9661
Page 5666 of 9661
Page 5667 of 9661
Page 5668 of 9661
Page 5669 of 9661
Page 5670 of 9661
Page 5671 of 9661
Page 5672 of 9661
Page 5673 of 9661
Page 5674 of 9661
Page 5675 of 9661
Page 5676 of 9661
Page 5677 of 9661
Page 5678 of 9661
Page 5679 of 9661
Page 5680 of 9661
Page 5681 of 9661
Page 5682 of 9661
Page 5683 of 9661
Page 5684 of 9661
Page 5685 of 9661
Page 5686 of 9661
Page 5687 of 9661
Page 5688 of 9661
Page 5689 of 9661
Page 5690 of 9661
Page 5691 of 9661
Page 5692 of 9661
Page 5693 of 9661
Page 5694 of 9661
Page 5695 of 9661
Page 5696 of 9661
Page 5697 of 9661
Page 5698 of 9661
Page 5699 of 9661
Page 5700 of 9661
Page 5701 of 9661
Page 5702 of 9661
Page 5703 of 9661
Page 5704 of 9661
Page 5705 of 9661
Page 5706 of 9661
Page 5707 of 9661
Page 5708 of 9661
Page 5709 of 9661
Page 5710 of 9661
Page 5711 of 9661
Page 5712 of 9661
Page 5713 of 9661
Page 5714 of 9661
Page 5715 of 9661
Page 5716 of 9661
Page 5717 of 9661
Page 5718 of 9661
Page 5719 of 9661
Page 5720 of 9661
Page 5721 of 9661
Page 5722 of 9661
Page 5723 of 9661
Page 5724 of 9661
Page 5725 of 9661
Page 5726 of 9661
Page 5727 of 9661
Page 5728 of 9661
Page 5729 of 9661
Page 5730 of 9661
Page 5731 of 9661
Page 5732 of 9661
Page 5733 of 9661
Page 5734 of 9661
Page 5735 of 9661
Page 5736 of 9661
Page 5737 of 9661
Page 5738 of 9661
Page 5739 of 9661
Page 5740 of 9661
Page 5741 of 9661
Page 5742 of 9661
Page 5743 of 9661
Page 5744 of 9661
Page 5745 of 9661
Page 5746 of 9661
Page 5747 of 9661
Page 5748 of 9661
Page 5749 of 9661
Page 5750 of 9661
Page 5751 of 9661
Page 5752 of 9661
Page 5753 of 9661
Page 5754 of 9661
Page 5755 of 9661
Page 5756 of 9661
Page 5757 of 9661
Page 5758 of 9661
Page 5759 of 9661
Page 5760 of 9661
Page 5761 of 9661
Page 5762 of 9661
Page 5763 of 9661
Page 5764 of 9661
Page 5765 of 9661
Page 5766 of 9661
Page 5767 of 9661
Page 5768 of 9661
Page 5769 of 9661
Page 5770 of 9661
Page 5771 of 9661
Page 5772 of 9661
Page 5773 of 9661
Page 5774 of 9661
Page 5775 of 9661
Page 5776 of 9661
Page 5777 of 9661
Page 5778 of 9661
Page 5779 of 9661
Page 5780 of 9661
Page 5781 of 9661
Page 5782 of 9661
Page 5783 of 9661
Page 5784 of 9661
Page 5785 of 9661
Page 5786 of 9661
Page 5787 of 9661
Page 5788 of 9661
Page 5789 of 9661
Page 5790 of 9661
Page 5791 of 9661
Page 5792 of 9661
Page 5793 of 9661
Page 5794 of 9661
Page 5795 of 9661
Page 5796 of 9661
Page 5797 of 9661
Page 5798 of 9661
Page 5799 of 9661
Page 5800 of 9661
Page 5801 of 9661
Page 5802 of 9661
Page 5803 of 9661
Page 5804 of 9661
Page 5805 of 9661
Page 5806 of 9661
Page 5807 of 9661
Page 5808 of 9661
Page 5809 of 9661
Page 5810 of 9661
Page 5811 of 9661
Page 5812 of 9661
Page 5813 of 9661
Page 5814 of 9661
Page 5815 of 9661
Page 5816 of 9661
Page 5817 of 9661
Page 5818 of 9661
Page 5819 of 9661
Page 5820 of 9661
Page 5821 of 9661
Page 5822 of 9661
Page 5823 of 9661
Page 5824 of 9661
Page 5825 of 9661
Page 5826 of 9661
Page 5827 of 9661
Page 5828 of 9661
Page 5829 of 9661
Page 5830 of 9661
Page 5831 of 9661
Page 5832 of 9661
Page 5833 of 9661
Page 5834 of 9661
Page 5835 of 9661
Page 5836 of 9661
Page 5837 of 9661
Page 5838 of 9661
Page 5839 of 9661
Page 5840 of 9661
Page 5841 of 9661
Page 5842 of 9661
Page 5843 of 9661
Page 5844 of 9661
Page 5845 of 9661
Page 5846 of 9661
Page 5847 of 9661
Page 5848 of 9661
Page 5849 of 9661
Page 5850 of 9661
Page 5851 of 9661
Page 5852 of 9661
Page 5853 of 9661
Page 5854 of 9661
Page 5855 of 9661
Page 5856 of 9661