Agenda 12/09/2025 Item #16D12 (The Chair to sign twenty-five (25) mortgage satisfactions for the State Housing Initiatives Partnership loan program)12/9/2025
Item # 16.D.12
ID# 2025-4662
Executive Summary
Recommendation to approve and authorize the Chair to sign twenty-five (25) mortgage satisfactions for the State
Housing Initiatives Partnership loan program in the amount of $250,000.00. (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
03-282 Raul Lopez
and Margarita
Lopez
Affordability
period met
OR 3674
PG 1922
$10,000.00 $0.00 Y*
03-283 Alberto
Rodriguez and
Romelia
Martinez
Affordability
period met
OR 3674
PG 2297
$10,000.00 $0.00 Y*
03-284 Adony
Edouard and
Germaine
Edouard
Affordability
period met
OR 3699
PG 1095
$10,000.00 $0.00 Y*
03-285 Fritz Delus and
Ange Philien
Affordability
period met
OR 3674
PG 2669
$10,000.00 $0.00 Y*
03-286 Jocelet
Guerrier and
Vanicia
Delisca
Affordability
period met
OR 3674
PG 2580
$10,000.00 $0.00 Y*
03-287 Manes
Moricette and
Thelia Delva
Affordability
period met
OR 3699
PG 1075
$10,000.00 $0.00 Y*
03-289 Gabriel W.
Antoine and
Benita Antoine
Affordability
period met
OR 3699
PG 1841
$10,000.00 $0.00 Y*
03-290 Pedro Munoz
Castro and
Irmina V.
Carballosa
Remedios
Affordability
period met
OR 3699
PG 1864
$10,000.00 $0.00 Y*
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12/9/2025
Item # 16.D.12
ID# 2025-4662
03-291 Saint Luc and
Masina
Charelus
Affordability
period met
OR 3699
PG 1818
$10,000.00 $0.00 Y*
03-292 Emiliano P.
Ramirez and
Maria T.
Sanchez De
Ramirez
Affordability
period met
OR 3699
PG 1494
$10,000.00 $0.00 Y*
03-293 Carlos M.
Falcon and
Yasmin Sucell
Gonzalez
Affordability
period met
OR 3699
PG 1055
$10,000.00 $0.00 Y*
03-294 Humberto
Garcia and
Maria L.
Garcia
Affordability
period met
OR 3699
PG 1514
$10,000.00 $0.00 Y*
03-295 Lucila
Camarillo and
Gerardo Lopez
Affordability
period met
OR 3674
PG 0320
$10,000.00 $0.00 Y*
03-297 Pierre Edson
and Marie C.
Andre
Affordability
period met
OR 3699
PG 1471
$10,000.00 $0.00 Y*
03-298 Sylerta
Germain
Affordability
period met
OR 3715
PG 3447
$10,000.00 $0.00 Y*
03-300 Ismael Garcia
and Reyna
Garcia aka
Reina Garcia
Affordability
period met
OR 3717
PG 2812
$10,000.00 $0.00 Y*
03-307 Jose Martinez
and Onieda
Maria Diaz aka
Oneyda Maria
Diaz
Affordability
period met
OR 3715
PG 3460
$10,000.00 $0.00 Y*
03-308 Gilbert R.
Rivera and
Deanna L.
Hyde
Affordability
period met
OR 3723
PG 2518
$10,000.00 $0.00 Y*
03-010 Angelica
Zavala aka
Angelica
Zabala
Affordability
period met
OR 3728
PG 1541
$10,000.00 $0.00 Y*
03-311 Thaze
Cherenfant and
Martha
Cherenfant
Affordability
period met
OR 3723
PG 2392
$10,000.00 $0.00 Y*
03-312 Lorina Joseph Affordability
period met
OR 3719
PG 0645
$10,000.00 $0.00 Y*
03-313 Troy E.
DesOrmeau
and Tammy L.
DesOrmeau
Affordability
period met
OR 3718
PG 3088
$10,000.00 $0.00 Y*
03-317 Alcides
Godines and
Leisy
Affordability
period met
OR 3716
PG 0207
$10,000.00 $0.00 N
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Item # 16.D.12
ID# 2025-4662
Gonzalez
03-318 Reba R.
Dotson aka
Reba Rena
Dotson
Affordability
period met
OR 3719
PG 0471
$10,000.00 $0.00 Y*
03-319 Sonia Antoine Affordability
period met
OR 3715
PG 3434
$10,000.00 $0.00 Y*
Total $250,000.00 $0.00
*Property had SHIP Impact Fees which have been released
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.
FISCAL IMPACT: There is no fiscal impact. 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 twenty-five (25) mortgage satisfactions for the
State Housing Initiatives Partnership loan program in the amount of $250,000.00. (SHIP Grant Fund 1053)
PREPARED BY: Michelle Rubbo, Grants Support Specialist II, Community and Human Services Division
ATTACHMENTS:
1. Satisfaction of Mortgage (25) Signed
2. 12.9.25 SHIP SOMS Affordability Met (2) Backup
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