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SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)

SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)

 

I.         PROGRAM DESCRIPTION

          

            A.        Name of the participating local government and Interlocal if Applicable:

                        .

                              

                        DeSoto County Board of County Commissioners___________

                      

                        Interlocal: Yes _______          No__X___

                      

            B.        Purpose of the program:

                        Creation of the Plan is for the purpose of meeting the housing needs of the very low, low and moderate income households, to expand production of and preserve affordable housing, to further the housing element of the local government                              comprehensive plan specific to affordable housing.

          

            C.        Fiscal years covered by the Plan:

          

                        ___x_  2014/2015

                        ___x_  2015/2016

                        ___x_  2016/2017

          

            D.        Governance:

                        The SHIP Program is established in accordance with Section 420.907-9079,   Florida Statutes and Chapter 67-37 Florida Administrative Code.      

The SHIP Program does further the housing element of the local government Comprehensive Plan.  Cities and Counties must be in compliance with these applicable statutes and rules.

          

            E.        Local Housing Partnership

                        SHIP Program encourages building active partnerships between government, lenders, builders and developers, real estate professionals, advocates for low-income persons and community groups.

          

            F.         Leveraging:

                                The Plans are 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 solicited through the local newspaper in the                                    advertising of the Local Housing Assistance Plan and the notice of funding availability.


            H.        Advertising and Outreach:

                        The county or eligible municipality or its administrative representative shall  advertise the notice of funding availability 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.


            I.          Discrimination:

                                In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the basis of race, creed, religion, color, age, sex, marital status, familial status,national origin, or handicap in the award application process for eligible housing.

                      

            J.         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 Transportation


            K.        Purchase Price Limits:

                        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                                     median area purchase price established by the U.S. Treasury Department or as described above.       

                        The methodology used is:

                        _____Independent Study (copy attached)

                        _U.S. Treasury Department

                        X Local HFA Numbers

The purchase price limit for new and existing homes is shown on the Housing Delivery Goals Charts

            

          

    Income Limits, Rent Limits and Affordability:

                        The Income and Rent Limits used in the SHIP Program are updated annually from  the Department of Housing and Urban Development and distributed by Florida   Housing Finance Corporation.  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.

          

            M.       Welfare Transition Program:

                        Should an eligible sponsor be used, the city/county has developed a qualification system and selection criteria for applications for Awards to eligible sponsors,  which includes a description that demonstrates how eligible sponsors that                                                 employed personnel from the   WAGES and Workforce Development Initiatives programs will be given preference in   the selection process.

          

            N.        Monitoring and First Right of Refusal:

                        In the case of rental housing, the staff or 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 the same 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 $3,000 or less shall not be subject to these                                       annual monitoring and determination of tenant eligibility requirements.  Tenant  eligibility will be monitored for at least annually for 15 years or the term of  assistance which ever is longer unless as specified above.


                        Eligible sponsors that offer rental housing for sale before 15 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.


            O.        Administrative Budget:

                                A detailed listing including line-item budget of proposed Administrative  Expenditures is attached as Exhibit A.  These are presented on an annual  basis for each State fiscal year submitted.


The DeSoto County Board of County Commissioners finds that the moneys deposited in the local housing assistance trust fund shall be used 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% of program income deposited into the trust fund, except that small counties, as defined in s. 120.52(17), 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 DeSoto County Board of County Commissioners has adopted the above findings in the attached resolution, Exhibit E.


            P.         Program Administration:

      Administration of the local housing assistance plan is the responsibility of the applicable city/county.   Should a third party entity or consultant contract for all of  part of the administrative or other functions of the program provide in detail the    duties, qualification and selection criteria.


            Q.        Essential Service Personnel:

       Counties and eligible municipalities are required to include a definition of Essential Services Personnel as noted in Rule Chapter 67-37.002(8) F.A.C., Chapter 67-   37.005(10), F.A.C. and Section 420.9075(3), F.S.   DeSoto County defines         essential service personnel as: teachers and educators, other school district, and community college employees, police and fire personnel, city, county and state  government personnel, health care personnel, skilled building trades personnel, and other persons employed in the workforce earning under the 120 percent area median   income limits


R.        Energy Efficiency and Green Construction:

            Section 420.9075(3)(d), F.S.:  Requires counties and eligible municipalities to describe initiatives in their local housing assistance plans that encourage or require innovative design, green building principles, storm resistant construction or       other elements that reduce long term costs relating to maintenance, utilities or  insurance. The County shall, through implementation of the various SHIP housing  strategies, encourage and support green, storm resistant, and low maintenance             construction, including energy efficient features that are economically sound with  respect to the goals and beneficiaries of each strategy.

          


    LHAP HOUSING STRATEGIES:  Chapter 67-37.005(5), F.A.C.


            A.        Name of the Strategy:  Down Payment/Closing Cost Assistance

a.         Summary of the Strategy: This strategy provides funds to homebuyers for new construction or the purchase of an existing home or manufactured housing constructed after June 1994 and installed in accordance with the installation standards for mobile or manufactured homes contained in rules of the Department of Highway Safety and Motor Vehicles.


            The maximum purchase price for construction or the purchase of an existing home is $150,000.  Only the amount of subsidy required to close will be awarded.  Funds through this strategy may be utilized to make necessary code related repairs to the unit being purchased.  Qualified persons will be eligible for funding assistance with down payment and closing costs.  Homebuyers will be required to make a minimum contribution towards the purchase or closings costs of $1,000.  The assistance will be in the form of a second mortgage. The mortgage will be a balloon mortgage with no interest, no schedule of payments, and payable in one lump sum at the termination of the first mortgage.  Applicants will be prequalified through the Housing office for this assistance.  The applicant must attend and complete a homebuyer education class before the verification process begins.  Once the applicant is income certified SHIP funds, not to exceed the maximum assistance limits contained in this plan, will be reserved for eligible individuals.  Funds will be encumbered on a first-come first-qualified basis until the funds for that category have been depleted.  The funds will be transferred to the closing agency for disbursement at the time of closure on the home.  At that time the second mortgage and note will be signed and the mortgage will be recorded at the local clerk of the court. 

                        b.         Fiscal Years Covered:  2014/2015 – 2016/2017

                        c.         Income Categories to be served:  Very Low, Low, Moderate

d.         Maximum award: $10,000

e.         Terms, Recapture and Default: Second mortgage, balloon mortgage with no interest (0%), no schedule of payments; payable in one lump sum at the termination of the first mortgage, through satisfaction due to maturity or refinance, or transfer of ownership.  Homeowner will be in default in the event that the SHIP recipient should fail to maintain the home as his/her principal residence.

f.          Recipient Selection Criteria:   Interested applicants will be instructed to attend a homebuyer education course prior to submitting an application to the Housing Department.  Applicants will also be required to obtain a mortgage pre-qualification letter, in conformance with locally adopted lender guidelines.  Funds will be encumbered on a first-come, first-qualified basis.  The Housing Department will process applications for program eligibility.   Funds will be reserved by income category until the funds for that category have been depleted.

    Sponsor Selection Criteria: Not Applicable.  The County will administer the Purchase Assistance Program
    Additional Information:  All SHIP assisted units must, at a minimum, meet Section 8 Housing Quality Standards, as evidenced by a home inspection report.  Section 8 deficiencies must be addressed by the seller or buyer.   In the event that the buyer wishes to make necessary repairs, an escrow account may be utilized for this purpose.  SHIP funds may be utilized to fund such repairs in the event that the buyer is not utilizing the maximum award for the purchase of the unit.  The maximum award may not be exceeded for the purposes of making repairs.

              Eligible home repairs include but are not limited to Energy Efficiency and Green housing related repairs:

                                   • Repair needed to meet or exceed the requirements of the Florida Building Code.

                                   • Window repair, replacement and weather stripping.

                                   • Paints and primers that meet the Green Seal G-l1 Environmental

                                      Standard.

                                   • Commodes with 1.3 gallons per flush capacity.

                                   • Use of all eligible energy star appliances.

                                   • Exterior or interior alterations to the unit to provide greater accessibility for persons who are physically disabled and or elderly households where a member is 62 years of age or older.

          

B.        Name of the Strategy:  Emergency Repair

a.         Summary of the Strategy:  This strategy provides assistance to qualified very-low and low-income category eligible persons or owner-occupied existing units.  Repairs for substandard units will be those repairs or improvements which are needed for safe and sanitary habitation, correction of substantial code violations or creation of additional living space.  The assistance is provided through a contractor under contract with the County to provide such repairs.

                        b.         Fiscal Years Covered:  2014/2015 – 2016/2017

                        c.         Income Categories to be served:  Very-low and low                       

                        d.         Maximum award: $15,000

            e.         Terms, Recapture and Default: Assistance of $5,000 or less will be provided in the form of a grant.  Assistance of a greater amount will be provided for in the form of a Deferred Payment Loan with no interest (0%), no                                                 schedule of payments for a term of 3 years. The Deferred Payment Loan  principal amount shall be forgiven in an equal amount each month during the  Owner-Occupant's ownership and occupancy of the property for the three year term of the Loan.  In the event that the homeowner should transfer ownership or receive cash out from a refinance prior to the termination of the  Deferred Payment Loan Agreement, the repayment of the Loan shall be  based upon the prorated principal balance for the unexpired term of the Loan. In the event of death, the loan shall be satisfied.  Failure to maintain the  property as the principal residence shall constitute default.   

f.          Recipient Selection Criteria:  Applicants considered for repair will be selected on a first-come first-qualified and feasibility basis. Feasibility would be determined by comparing the amount of repairs necessary to bring the house up to housing codes and the amount of money available for the repair.  Also the soundness of the structure to support the repair would be a consideration.  The Emergency Repair program will be utilized to address repairs that are urgent in nature on units that do not require a substantial level of rehabilitation to maintain a safe housing unit. Emergency Repair funds will not be leveraged with the Owner Occupied Rehabilitation/Repair program.   Eligible applicants must own their home, although it may be mortgaged, and be current on their mortgage payments, County/City taxes and utility payments, and must clear any applicable code violations, unless the repairs will correct the direct citation.

                        g.         Sponsor Selection Criteria:  Not applicable.

            h.         Additional Information:  It shall be the responsibility of the homeowner to provide proof of clear title (may be mortgaged).  Recipients will be required to execute applicable loan documents prior to the start of construction.  The contractor will use the SHIP funds to leverage other public monies such as Florida Fix, Low Income Home Energy Assistance Program, Weatherization Assistance Program, and Rural Housing Preservation Grants.

                                    Eligible home repairs include but are not limited to Energy Efficiency andGreen housing related repairs:

                                   • Repair needed to meet or exceed the requirements of the Florida Building Code.

                                   • Window repair, replacement and weather stripping.

                                   • Paints and primers that meet the Green Seal G-l1 Environmental

                                      Standard.

                                   • Commodes with 1.3 gallons per flush capacity.

                                   • Use of all eligible energy star appliances.

                                   •Exterior or interior alterations to the unit to provide greater accessibility for persons who are physically disabled and/or elderly  households where a member is 62 years of age or older.

            C.        Name of the Strategy:  Owner Occupied Rehabilitation

    Summary of the Strategy:  Funds will be available for the rehabilitation of dilapidated single family structures which include manufactured housing constructed after June 1994 and installed in accordance with the installation standards for mobile or manufactured homes contained in rules of the Department of Highway Safety and Motor Vehicles. Section 420.9075 (5)(c), F.S., "Not more than 20 percent of the funds made available in each county and eligible municipality from the local housing distribution may be used for manufactured housing."  Strategy is designed to perform general code related repairs.  Funds may be leveraged with the Community Development Block Grant or other Federal or State funding sources.
    Fiscal Years Covered:  2014/2015 - 2016/2017
    Income Categories Served:  Very Low, Low, and Moderate Income Households
    Maximum Award:  $50,000 per unit
    Terms, Recapture and Default:

Rehabilitation Mortgages are subject to a Deferred Payment Loan in the amount of the rehabilitation cost with no interest (0%), no schedule of payments. The soft costs in the project, such as title search, recording fees, appraisals, etc., will not be included in the Deferred Payment Loan; these fees will be treated as a grant.  All unforeseen change orders will require the Deferred Payment Loan to be modified to include the cost of the change order. The Deferred Payment Loan principal amount shall be forgiven in an equal amount each month during the Owner Occupant's ownership and occupancy of the property for the term of the Loan.  In the event that the homeowner should transfer ownership or receive cash out from a refinance prior to the termination of the Deferred Payment Loan, the repayment of the Loan shall be based upon the prorated principal balance for the unexpired term of the Loan. In the event of death, the loan shall be satisfied.  Failure to maintain the property as the principal residence shall constitute default.

Rehabilitation Mortgages will be forgiven over time as follows:

Amount of SHIP Assistance              Term

$5,000 or less                                      Grant

$5,001-$15,000                                   3 years

$15,001-$30,000                                 5 years

$30,000-$50,000                                 10 years


In the event that a homeowner should choose to repay the SHIP funds due to refinance, sale, or otherwise transfer ownership of the subject property, funds received shall be considered program income.  All applicants must possess clear title to the property (may be mortgaged), must be current on all County/City taxes, and utility payments, and must be clear of any applicable code violations which may be pending, unless the rehabilitation will correct the direct citation.


In the event that another State or Federal leverage source (other funds) shall ultimately require repayment of funds as a term of the assistance provided, SHIP funds will be provided in the form of a deferred payment loan with the term of five years at zero percent (0%) annual rate of interest.  The Deferred Payment Loan principal amount shall be forgiven in an equal amount each month during the Owner-Occupant's ownership and occupancy of the property for the five year term of the loan, should the property be sold, rented or fail to be the principal residence, repayment of the loan shall be based upon the prorated principal balance for the unexpired term of the loan.  In the absence of another State or Federal leverage source, SHIP funds shall be subject to the terms, recapture and default provisions stated above.  SHIP funds per unit shall be determined at all times by the County and shall be based on evidenced need and available SHIP funds.

                                    If the property ownership transfers due to death of the homeowner and the  new owner is eligible for the SHIP Program, the SHIP mortgage may be

                                    assumed so long as all other SHIP requirements are met.

    Recipient Selection Criteria:  Ranking criteria is identified in addendum “1”. Applicants will be ranked in accordance with ranking criteria and then be funded on a first qualified first serve basis for applications with equal scores.
    Sponsor Selection Criteria:  Not Applicable

                       h.         Additional Information: Eligible home repairs include but are not limited to  Energy Efficiency and Green housing related repairs:

                                   • Repair needed to meet or exceed the requirements of the Florida  Building Code.

                                   • Window repair, replacement and weather stripping.

                                   • Paints and primers that meet the Green Seal G-l1 Environmental

                                      Standard.

                                   • Commodes with 1.3 gallons per flush capacity.

                                   • Use of all eligible energy star appliances.

    Exterior or interior alterations to the unit to provide greater accessibility for persons who are physically disabled and/or elderly  households where a member is 62 years of age or older.


             D.      Name of the Strategy:  Owner Occupied Replacement

                       a.         Summary of the Strategy:  Funds will be available for the replacement of dilapidated single family structures which include manufactured housing constructed after June 1994 and installed in accordance with the installation standards for mobile or manufactured homes contained in rules of the Department of Highway Safety and Motor Vehicles. Strategy is designed to perform general code related repairs and improvements.  Replacement of  the house will be determined by lack of feasibility for rehabilitation due to structural deterioration factors relating to the roof (20% of the value of the home) exterior walls (60%) and foundation (20%).  Funds may be leveraged with the Community Development Block Grant or other Federal or State funding sources.

    Fiscal Years Covered:  2014/2015 - 2016/2017
    Income Categories Served:  Very Low, Low, and Moderate Income Households
    Maximum Award:  $100,000 per unit
    Terms, Recapture and Default: Replacement Mortgages are subject to a zero percent (0%), non- amortizing, non-forgivable second mortgage due and payable in full at the time of transfer of ownership or homeowner receives cash out from a refinance of the property. Failure to maintain the property as the principal residence shall constitute default. The soft costs in the project, such as title search, recording fees, appraisals, etc., will not be included in the mortgage; these fees will be treated as a grant.  All unforeseen change orders will require the mortgage or deferred payment loan to be modified to include the cost of the change order.

In the event that a homeowner should choose to repay the SHIP funds due to refinance, sale, or otherwise transfer ownership of the subject property, funds received shall be considered program income.  All applicants must possess clear title to the property (may be mortgaged), must be current on all County/City taxes, and utility payments, and must be clear of any applicable code violations which may be pending, unless the rehabilitation will correct the direct citation.


In the event that another State or Federal leverage source (other funds) shall ultimately require repayment of funds as a term of the assistance provided, SHIP funds will be provided in the form of a deferred payment loan with the term of five years at zero percent (0%) annual rate of interest.  The Deferred Payment Loan principal amount shall be forgiven in an equal amount each month during the Owner-Occupant's ownership and occupancy of the property for the five year term of the loan, should the property be sold, rented or fail to be the principal residence, repayment of the loan shall be based upon the prorated principal balance for the unexpired term of the loan.


In the absence of another State or Federal leverage source, SHIP funds shall be subject to a non-forgivable subordinate mortgage and a deferred payment loan with the deferred payment loan of five years, each at fifty percent of the total replacement cost; also to include the terms, recapture and default provisions stated above.   SHIP funds per unit shall be determined at all times by the County and shall be based on evidenced need and available SHIP funds.

                                    If the property ownership transfers due to death of the homeowner and the  new owner is eligible for the SHIP Program, the SHIP mortgage may be assumed so long as all other SHIP requirements are met.

    Recipient Selection Criteria:  Ranking criteria is identified in addendum “1”.  Applicants will be ranked in accordance with ranking criteria and then be funded on a first come first serve basis for applications with equal scores.  Only one replacement home per homeowner per lifetime will be allowed.
    Sponsor Selection Criteria:  Not Applicable

                       h.         Additional Information: Eligible home repairs include but are not limited to                                  Energy Efficiency and Green housing related repairs:

                                   • Repair needed to meet or exceed the requirements of the Florida                                                   Building Code.

                                   • Window repair, replacement and weather stripping.

                                   • Paints and primers that meet the Green Seal G-l1 Environmental

                                      Standard.

                                   • Commodes with 1.3 gallons per flush capacity.

            • Use of all eligible energy star appliances.

    Exterior or interior alterations to the unit to provide greater accessibility for persons who are physically disabled and/or elderly households where a member is 62 years of age or older.

                E.     Foster Youth Housing/Rental Assistance Program

                        a.         Summary of the Strategy:

                                    This strategy, as provided in 420.628, F.S., is designed to provide the stability of safe and affordable housing to young adults who are aging out of  foster care. SHIP funds may be used as part of the Local Government  Contribution to provide assistance for affording rental housing whenever and  wherever possible for these young adults in order to help them face numerous  barriers to a successful transition to adulthood.

                        b.         Fiscal Years Covered: 2014/2015 – 2016/2017

                        c.         Income Categories to be served:  Very Low Income, Low Income and  Moderate Income households.

                        d.         Maximum award:  To be received by any qualified individual as defined 67-37.002(21) will be up to $2,000, pending funding availability, for assistance for temporary, transitional or rental housing. Funds can be used for the first month, last month and security deposit for an eligible rental property.

                        e.         Terms, Recapture and Default: Assistance of $2,000 or less will be provided for in the form of a grant.

                        f.          Recipient Selection Criteria:

                                    Applicants must meet the following eligibility criteria in order to receive a  SHIP funded unit or receive assistance from eligible program sponsors:  Young adults who are aging out of foster care meet the definition of                                              eligible persons under ss. 420.503(17) and 420.9071(10) for affordable housing.

     Eligible property/buildings shall be located in DeSoto County.
    Eligible property must comply with the Section 8 Housing Quality Standards (HQS) in HUD Standards 24 CFR part 35 Florida Statutes.         
     Manufactured or Mobile homes do not qualify as eligible property.


           F.          Name of Strategy: Rental New Construction Strategy

    Summary of strategy:

This strategy is designed to expand affordable housing opportunities for renters.

Funds will be made available, through a competitive process, to non-profit and for profit rental housing developers/owners.   Construction, minor rehabilitation, major rehabilitation, and other construction related costs are eligible activities.

    Fiscal Year(s): 2014-2015, 2015-2016, 2016-2017
    Income Categories Served:  Extremely low, very low, and low-income households as defined in Section 420.9071, F.S.
    Maximum Award: $25,000 for VLI and LI units.
    Terms, Recapture, Default:  All rental housing must be rented at affordable rates as published by HUD (rents will not exceed the limits as adjusted by the number of bedrooms).  All rental units must maintain affordability for a term of not less than twenty (20) years. SHIP funds shall be in the form of a deferred payment loan secured by a mortgage and note with the term of twenty (20) years at zero percent (0%) annual rate of interest. The deferred payment loan principal amount shall be forgiven in an equal amount annually for the twenty (20) year term of the loan. Transfer of ownership prior to the end of the term of affordability shall constitute default.  Failure to maintain affordable rents shall constitute default.  In the event that the sponsor is found in default, the outstanding balance of the SHIP loan shall be due and payable.
    Recipient Selection Criteria: Residents must be income eligible families as defined by HUD and published by the Florida Housing Finance Corporation
    Sponsor Selection Criteria:   Funds will be available on a competitive basis to non-profit and for profit developers for the creation of new affordable rental housing units.  The County will solicit proposals through an RFP process in accordance with County Procurement Policies.   Sponsors will be selected based on qualifications, experience, capacity based on the criteria shown in Addendum “2”.
     Preference will be given to sponsors leveraging other State or Federal programs such as HOME of Community Development Block Grant.


            G.        Name of the Strategy:  Disaster Strategy

                       a.           Summary of the Strategy:  The Disaster Strategy provides assistance to households following a disaster as declared by Executive Order of the Governor of the State of Florida or the President.  This strategy will only be implemented in the event of a disaster using any funds that have not yet been encumbered or additional disaster funds issued by 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 or repair of existing wells where public water is not available; (d) payment of insurance deductibles for rehabilitation of homes covered under homeowners insurance policies; (e) security deposits, rental assistance for the duration of Florida Office of the Governor Executive Order, for eligible recipients that have been displaced from their homes due to damage from a storm; (f) other activities as proposed by the counties and eligible municipalities and approved by Florida Housing Finance Corportion.

                        b.         Fiscal Years Covered:  2014/2015 – 2016/2017

                       c.          Income Categories to be served:  Very Low, Low, and Moderate as defined in Section 420.9071(19), (28), Florida Statutes.

                        d.         Maximum award: $2,500

                        e.          Terms, Recapture and Default:  All SHIP funds provided to eligible households will be in the form of a grant and not subject to recapture unless disaster funds are utilized in another strategy.  In such event, the applicable terms, recapture, and default provisions shall apply.

                        f.          Recipient Selection Criteria:  First come, first served.

                        g.         Sponsor Selection Criteria:  Not applicable

                        h.         Additional Information: Not applicable


III.       LHAP INCENTIVE STRATEGIES

            Section 420.9071(16), F.S.

            A.        Name of the Strategy:  Expedited Permitting

                                    Permits as defined in s. 163.3164(7) and (8) for affordable housing projects are expedited to a greater degree than other projects.


           a.           Established policy and procedures: Provide Description:   Affordable housing projects are flagged to insure they are expedited ahead of other individual permit applications.

          

            B.        Name of the Strategy:  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.

                                              

a.         Established policy and procedures:  Provide Description:  DeSoto County will review all known and potential affordable housing impacts prior to passing policies, procedures, regulations, or ordinances that might contribute to increased costs for residential housing.  This will be done by the County Staff and will be a requirement in reviewing land use or land development legislation prior to their passage.         


IV.       EXHIBITS:


            A.        Administrative Budget for each fiscal year covered in the Plan.  Exhibit A.

          

            B.        Timeline for Encumbrance and Expenditure: Chapter 67-37.005(6)(d) and (f) F.A.C.

                                A separate timeline for each fiscal year covered in this plan is attached as Exhibit B.

                        Program funds will be encumbered by June 30 one year following the end of the applicable state fiscal year.  Program funds will be fully expended within 24 months of the end of the applicable State fiscal year.


            C.        Housing Delivery Goals Chart (HDGC) For Each Fiscal Year

                        Covered in the Plan: Chapter 67-37.005), F.A.C.

                        Completed HDGC for each fiscal year is attached as Exhibit C.


            D.        Certification Page: Chapter 67-37.005(7), F.A.C.

                        Signed Certification is attached as Exhibit D.


            E.        Adopting Resolution: Section 420.9072(2)(b)2, F.S.

                        Original signed, dated, witnessed or attested adopting resolution is attached as

                        Exhibit E.

          

            F.         Program Information Sheet:

                        Completed program information sheet is attached as Exhibit F

Contacts

Peggy Waters
Social Services Director
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Ph:   (863) 993-4858
Fax:  (863) 993-4857

Administration Building
201 E. Oak Street | Suite 202
Arcadia | Florida | 34622
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Sylvia Altman
Social Services Specialist
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Ph:   863-993-4858

Administration Building Suite 201- Second Floor
201 E Oak St | Suite 201
arcadia | Florida | 34266
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