Agenda 04/14/2026 Item #16D1 (Thirty (30) mortgage satisfactions for the State Housing Initiatives Partnership loan program)4/14/2026
Item # 16.D.1
ID# 2026-581
Executive Summary
Recommendation to approve and authorize the Chair to sign thirty (30) mortgage satisfactions for the State Housing
Initiatives Partnership loan program in the amount of $313,250.00, and to approve a Budget Amendment to recognize
$38,250.00 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 (SHIP)
CONSIDERATIONS: The State Housing Initiatives Partnership Program (SHIP), a state affordable housing program,
offers assistance to first-time homebuyers for a portion of the required down payment and emergency repairs to the
newly acquired home, or to homeowners for rehabilitation of 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 upon the
loss of homestead exemption. If all loan conditions are met, the loan is fully forgiven.
The following table provides details on the associated mortgages that have met the affordability period or have been
paid off; therefore, satisfaction of the mortgages is 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
07-032 Daulat Khan
and Nasrin
Akhtar
Payoff Received OR 4278
PG 2491
$19,500.00 $19,500.00 N*
06-182 Marie C. Saint
Hilaire and
Loundy Saint
Hilaire
Property Sold OR 4303
PG 1528
$18,750.00 $18,750.00 N*
04-097 Marie Y.
Joseph
Affordability
Period Met
OR 3602
PG 3516
$5,000.00 $0.00 Y**
04-224 Alfred Gabriel
and Mildred
Gabriel
Affordability
Period Met
OR 3817
PG 4157
$10,000.00 $0.00 Y**
04-225 Coeurline
Charles
Affordability
Period Met
OR 3817
PG 2649
$10,000.00 $0.00 Y**
04-226 Francisco
Vega and
Maria
Loaisiga
Affordability
Period Met
OR 3817
PG 3890
$10,000.00 $0.00 Y**
04-228 Luis J. Lara
and Margarita
Diaz
Affordability
Period Met
OR 3817
PG 3010
$10,000.00 $0.00 Y**
04-232 Pedro M.
Betancourt
and Oslinda
Affordability
Period Met
OR 3817
PG 4104
$10,000.00 $0.00 Y**
Page 1694 of 3203
4/14/2026
Item # 16.D.1
ID# 2026-581
M. Toya
04-233 Belot S.
Branchedor
and Maritane
Branchedor
Dumel
Affordability
Period Met
OR 3817
PG 3619
$10,000.00 $0.00 Y**
04-234 Emilio
Gonzalez and
Ada J. Avila
Affordability
Period Met
OR 3818
PG 2630
$10,000.00 $0.00 Y**
04-239 J. Ruben
Martinez
Gomez and
Gloria G. De
Martinez
Affordability
Period Met
OR 3818
PG 2379
$10,000.00 $0.00 Y**
04-240 Hernan
Cabrera Diaz
and Gloria N.
Cabrera
Affordability
Period Met
OR 3818
PG 2524
$10,000.00 $0.00 Y**
04-241 Marie J.
Justinvil
Affordability
Period Met
OR 3818
PG 2145
$10,000.00 $0.00 Y**
04-242 Roger Petion
and Renette
Petion
Affordability
Period Met
OR 3818
PG 2360
$10,000.00 $0.00 Y**
04-243 Carmen D.
Mejia
Affordability
Period Met
OR 3818
PG 1756
$10,000.00 $0.00 Y**
04-244 Edilon Dupra
and Marisena
Dupra
Affordability
Period Met
OR 3818
PG 0349
$10,000.00 $0.00 Y**
04-245 Marie Milien Affordability
Period Met
OR 3818
PG 2187
$10,000.00 $0.00 Y**
04-246 Jose M. Lopez
and Veronica
Quezada
Affordability
Period Met
OR 3818
PG 0055
$10,000.00 $0.00 Y**
04-247 Stephen
Cireus and
Glorieuse
Sireus
Affordability
Period Met
OR 3818
PG 1575
$10,000.00 $0.00 Y**
04-248 Julian Pereira
and Maria E.
Lopez
Affordability
Period Met
OR 3818
PG 1323
$10,000.00 $0.00 Y**
04-250 Mario Perez
and Rosa
Perez
Affordability
Period Met
OR 3818
PG 0213
$10,000.00 $0.00 Y**
04-251 Timoteo Affordability OR 3832 $10,000.00 $0.00 Y**
Page 1695 of 3203
4/14/2026
Item # 16.D.1
ID# 2026-581
Ramirez and
Sonia Ramirez
Period Met PG 1540
04-252 Marcelin
Gabriel and
Valerie Alexis
Affordability
Period Met
OR 3832
PG 1653
$10,000.00 $0.00 Y**
04-254 Stevie L.
Hughes and
Yavaire S.
Edison
Affordability
Period Met
OR 3832
PG 0551
$10,000.00 $0.00 Y**
04-255 Jorge L.
Garcia and
Oneida C.
Sanchez
Affordability
Period Met
OR 3818
PG 1409
$10,000.00 $0.00 Y**
04-258 Jesus L. Rives
and Martha
Lahitte
Affordability
Period Met
OR 3818
PG 1558
$10,000.00 $0.00 Y**
04-259 Miguel
Rodriguez and
Dora M.
Alvarado
Affordability
Period Met
OR 3818
PG 1429
$10,000.00 $0.00 Y**
04-261 Emmanuel
Joseph and
Gucilia A.
Joseph
Affordability
Period Met
OR 3832
PG 1218
$10,000.00 $0.00 Y**
04-268 Jean H. Carius
and Viviane
Jean
Affordability
Period Met
OR 3832
PG 0317
$10,000.00 $0.00 Y**
04-271 Lucuis Brown
and Patti J.
Brown
Affordability
Period Met
OR 3846
PG 0066
$10,000.00 $0.00 Y**
Total $313,250.00 $38,250.00
*Property had Countywide Impact Fees, which will be released at the 4.14.26 BCC Meeting.
**Property had SHIP Impact Fees, which have been released.
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.
FISCAL IMPACT: A Budget Amendment is attached to recognize $38,250.00 in revenue from loan payoffs to SHIP
Fund (1053) Project 33938. The $10 recording fees for the properties that were sold or paid off were paid by the
homeowners, 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.
Page 1696 of 3203
4/14/2026
Item # 16.D.1
ID# 2026-581
LEGAL CONSIDERATIONS: This item is approved for form and legality and requires a majority vote for Board
approval.-CLD
RECOMMENDATION(S): To approve and authorize the Chair to sign thirty (30) mortgage satisfactions for the State
Housing Initiatives Partnership loan program in the amount of $313,250.00, and to approve a Budget Amendment to
recognize $38,250.00 in revenue from loan payoffs. (SHIP Grant Fund 1053)
PREPARED BY: Michelle Rubbo, Grants Support Specialist II, Community and Human Services Division
ATTACHMENTS:
1. 4.4.26 SHIP SOMS (30) stamped
2. 4.14.26 SHIP SOMS Backup
3. ZGRANT_BUDGET_NOXML_B $38,250
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