Agenda 02/24/2026 Item #16D 3 (Twenty-two Mortgage Satisfactions for the SHIP Program and approve a Budget Amendment in revenue from loan payoffs)2/24/2026
Item # 16.D.3
ID# 2026-222
Executive Summary
Recommendation to approve and authorize the Chair to sign twenty-two mortgage satisfactions for the State Housing
Initiatives Partnership loan program in the amount of $137,950.00 and to approve a Budget Amendment to recognize
$27,950.00 in revenue from loan payoffs. (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.
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
04-002 Andree Achim Affordability
period met
OR 3418
PG 0291
$7,500.00 $0.00 N
04-005 Yolanda
Herrera
Affordability
period met
OR 3402
PG 1915
$2,500.00 $0.00 Y*
04-009 Juana Benitez Affordability
period met
OR 3479
PG 0438
$5,000.00 $0.00 Y*
04-010 Robert Ulysse
and Celaine
Joseph
Affordability
period met
OR 3391
PG 2091
$2,500.00 $0.00 Y*
04-042 Andre Dor and
Mireille
Cantave Dor
Affordability
period met
OR 3436
PG 0386
$7,500.00 $0.00 N
04-045 Felipe C. Lopez
and Luisa C.
Cruz
Affordability
period met
OR 3466
PG 2204
$5,000.00 $0.00 Y*
04-046 Lubin Villa and
Therese Villa
Affordability
period met
OR 3476
PG 0704
OR 3499
PG 0008
$2,500.00 $0.00 Y*
Page 1264 of 3023
2/24/2026
Item # 16.D.3
ID# 2026-222
04-049 Richard Torres
and Joe-Ann M.
Torres
Affordability
period met
OR 3456
PG 1888
$5,000.00 $0.00 N
04-050 Tamre L.
Church
Affordability
period met
OR 3463
PG 1024
$5,000.00 $0.00 N
04-051 Jorge Rosas and
Maria J. Rosas
Affordability
period met
OR 3484
PG 1836
$5,000.00 $0.00 Y*
04-052 Jean E. Paul
a/k/a Jean Edzer
Paul and Marie
G. Paul
Affordability
period met
OR 3450
PG 0297
$2,500.00 $0.00 Y*
04-054 Edras Foreste
and Elaine
Albert
Affordability
period met
OR 3474
PG 1944
$5,000.00 $0.00 Y*
04-062 Mary Alice
Williams
Affordability
period met
OR 3484
PG 1716
$5,000.00 $0.00 Y*
04-068 Flora E.
Alvarado
Affordability
period met
OR 3484
PG 1547
$5,000.00 $0.00 Y*
04-070 Javier M.
Marino and
Maria I. Moreno
Affordability
period met
OR 3507
PG 1258
$5,000.00 $0.00 Y*
04-077 Laceance Andre
and Elianette
Andre
Affordability
period met
OR 3602
PG 3256
$5,000.00 $0.00 Y*
04-080 Jean Pilius and
Gizele Lemour
Affordability
period met
OR 3515
PG 3480
$2,500.00 $0.00 Y*
04-085 Jones Napolean
and Murlande
Napolean
Affordability
period met
OR 3602
PG 3529
$5,000.00 $0.00 Y*
04-090 Wilimyne
Camille
Affordability
period met
OR 3610
PG 0053
$5,000.00 $0.00 Y*
06-012R Eva Mae Edison
and Glendell
Edison
Affordability
period met
OR 4231
PG 2614
$15,000.00 $0.00 Y*
02-135 Gonzalo Abreu
and Belkis
Martin
Affordability
period met
OR 2994
PG 898
$5,000.00 $0.00 Y*
Page 1265 of 3023
2/24/2026
Item # 16.D.3
ID# 2026-222
07-109 Joseph
Gutierrez and
Shannon
Gutierrez
Property Sold OR 4315
PG 4108
$30,450.00 $27,950.00** N
Total $137,950.00 $27,950.00
*Property had SHIP Impact Fees, which have been released.
**The total amount stated on the mortgage was not disbursed to the client. The property owner is required to pay the
amount they received, which is less than the amount on the mortgage.
Approval of this item will authorize the Chair 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: A Budget Amendment is attached to recognize $27,950.00 in revenue from loan payoffs to SHIP
Fund (1053) Project 33938. The $10 recording fee for the property that was sold was paid by the homeowner, and the
$10.00 recording fees for the other 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. —SRT
RECOMMENDATION(S): To approve and authorize the Chair to sign twenty-two mortgage satisfactions for the State
Housing Initiatives Partnership loan program in the amount of $137,950.00 and to approve a Budget Amendment to
recognize $27,950.00 in revenue from loan payoffs. (SHIP Grant Fund 1053)
PREPARED BY: Michelle Rubbo, Grants Support Specialist II, Community and Human Services Division
ATTACHMENTS:
1. 2.24.26 SHIP SOMS AFFORDABILITY_STAMPED
2. 2.24.26 SHIP SOMS BACKUP
3. ZGRANT_BUDGET_NOXML_B 33938 $27,950.00 1-9-26
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