Res 66-05
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RESOLUTION NO. 66-05
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF DELRA Y
BEACH, FLORIDA, ADOPTING THE AMENDED LOCAL HOUSING
ASSISTANCE PLAN PURSUANT TO THE STATE HOUSING INITIATIVES
PARTNERSHIP (SHIP) PROGRAM AS ATTACHED HERETO;
ESTABLISHING A MAXIMUM COST PER UNIT, THE STRATEGIES AND
INCENTNES OF THE PLAN, THE MAXIMUM SHIP FUNDS ALLOWABLE
FOR ASSISTANCE, THE MAXIMUM SHIP FUNDS FOR ADMINISTRA TNE
EXPENSES; AUTHORIZING THE NECESSARY CERTIFICATIONS BY THE
MAYOR AND AUTHORIZING SUBMISSION OF THE PLAN TO THE
STATE HOUSING FINANCE CORPORATION; PROVIDING FOR AN
EFFECTNE DATE UPON APPROVAL.
WHEREAS, the State of Florida, under specific authority established by the William
E. Sadowski Act in July 1992, established the State Housing Initiatives Partnership (SHIP) Program
which requires the City to develop a one to three year Local Housing Assistance Plan outlining how
funds will be used; and
WHEREAS, the Act also requires the adoption of a resolution providing for (1) the
maximum and average cost per unit available for eligible housing units; (2) a maximum and average
of funds awarded under each strategy; (3) implementation of the strategies and incentives under the
plan; (4) establishment of ten percent (10%) of total allocation and five percent (5%) of program
income to be spent on administrative cost of the SHIP program; and
WHEREAS, Resolution No. 31-04 adopting the City of Delray Beach's 2004-2007
LHAP was approved by City Commission on April 13, 2004 and Florida Administrative Code SHIP
rules require the adoption of a resolution to amend an approved Local Housing Assistance Plan.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF
THE CITY OF DELRA Y BEACH, FLORIDA, AS FOLLOWS:
Section 1. That Resolution 31-04 is hereby amended by adopting this resolution and
an amended Local Housing Assistance Plan.
Section 2. That the maximum cost per unit for eligible housing assistance awards
pursuant to the SHIP program may not exceed ninety percent (90%) of the median area purchase
price for newly constructed units and existing units as established by U. S. Treasury Revenue
Proclamation 2005-15.
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Section 3. That the maximum award be will be limited to $55,000 for very low,
$51,000 for low and $41,000 for moderate-income households for purchase assistance; $35,000
maximum award for very low, low, and moderate income households for owner-occupied
rehabilitation; $40,000 maximum purchase of a vacant, buildable lot of record, as defined in the
City's Land Development Regulations; and $10,000 maximum award for disaster relief assistance,
specific to the conditions, strategies and eligibility determination under the guidelines of the SHIP
Program and this Plan.
Section 4. That the City of Delray Beach finds that five percent (5%) of the Local
housing distribution is insufficient to adequately administer the SHIP Program. Therefore, the
administrative funding shall increase, but shall not exceed ten percent (10%) as allowed by Tide 67
of the Florida Administrative Code, and to include the allowable five percent (5%) of Program
Income for additional administrative funding under the SHIP Program.
Section 5. The Local Housing Assistance Plan, as amended, remains in full force and
effect and the Local Housing Assistance Plan previously adopted prior to Resolution 31-04 remains
unchanged, unless expressly modified by this resolution.
Section 6. That the City of Delray Beach is authorized to submit the amended Local
Housing Assistance Plan to the State Housing Finance Corporation for its review and approval.
Section 7. That the Mayor is authorized to execute any document and certifications
required as a part of the Local Housing Assistance Plan on behalf of the City of Delray Beach.
Section 8. That this resolution shall become effective immediately upon its passage.
PASSED AND ADOPTED in regular session on this the 6th day of September,
2005.
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ATTEST:
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City Clerk
2
Resolution No. 66-05
Community
Improvement
Memo
To:
From:
Thru:
Date:
Re:
David Harden, City Manager
Lula Butler, ~, Communily Improvement 11) 1Zf1.
Elizabeth Alpert, Community Development Administra~
August 29, 2006
Typographical Error on Resolution 66-05
ITEM BEFORE THE COMMISSION:
A request to correct a typographical error on Resolution 66-05.
BACKGROUND:
The Community Improvement Department receives funds under the State Housing Initiatives
Partnership (SHIP) Program for the development and maintenance of affordable housing.
SHIP funds are generated from a portion of documentary stamp taxes collected throughout
the State and held in the State's Housing Trust Fund. The State requires a Local Housing
Assistance Plan (LHAP) outlining how the City plans to administer the SHIP funds once they
are received. On February 23, 1993, under Ordinance #2-93, the City Commission
established a Local Housing Assistance Program, created the Local Housing Trust Fund and
created the Affordable Housing Advisory Committee to comply with various sections of Title
67 of the Administrative Code of Florida. Community Development Division staff has
administered the program and under the approved Plans have assisted Delray Beach
residents with homeownership and housing rehabilitation opportunities. The current Plan
(2004-2007) was adopted by Resolution #31-04 on April 13, 2004 and amended per
Resolution #66-05 on September 6, 2005.
Resolution #66-05 was intended to increase the maximum award for disaster relief
assistance from $8,000 to $10,000 (the disaster relief maximum has since been increased to
$15,000). The typo appears in Section 3 ofthe resolution.
RECOMMENDATION
Staff recommends correction of the typographical error contained in Section 3 of Resolution
#66-05 to state "and $10,000 maximum award for disaster relief assistance, specific to the
conditions, strategies and eligibility determination under the guidelines of the SHIP Program
and this Plan."
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RESOLUTION NO. 66-05
A RESOLUTION OF THE CITY COMMISSION OF THE OIT OF DELRAY
BEACH, . FLORIDA, ADOPTING TIlE AMENDED LOCAL HOUSING
ASSISTANCE PLAN PURSUANT TO THE STATE HOUSING INITIATIVES
PARTNERSHIP (SHIP) PROGRAM AS ATTACHED HERETO;
ESTABLISHING A MAXIMUM COST PER UNIT, THE STRATEGIES AND
INCENTIVES OF lHE PLAN, THE MAXIMUM SHIP FUNDS AlLOWABLE
FOR ASSISTANCE, THE MAXIMUM SHIP FUNDS FOR ADMINISTRATIVE
EXPENSES; AUTI-IORIZING TIlE NECESSARY CERTIFICATIONS BY THE
MAYOR AND AUTI-IORlZING SUBMISSION OF THE PLAN TO THE
STATE HOUSING FlNANCE CORPORATION; PROVIDING FOR AN
,EFFECTIVE DATE UPON APPROVAL.
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WHEREAS, the State of Florida, under specific authority established by the William
E. Sadowski Act in July 1992; established the State Housing Initiatives Partnership (SHIP) Program
w~ch requires the City to develop a one to three year Local Housing Assistance Plan outlining how
funds will be used; and
WHEREAS, the Act also requires the adoption of a resolution providing for (1) the
maximum and average cost pet' unit available for dig1ble housing units; (2) a maximum and average
of funds awarded under each strategy; (3) implementation of the strategies and incentives under the
plan; (4) establishment of ten per(;ent (1.0%) of total allocation and five percent (5%) of program
incom.e to be spent on administrative cost of the SHIP program; and
WHEREAS, Resolution No. 31-04 adopting the City of Dekay :Beach's 2004-2007
!RAP was approved by City Commission 011 April13~ 2004 "and Florida Administrative Code SHIP
rules require the adoption of a resolution to amend an approved Local Housing Assisu,mce Plari.
NOW, THEREFORE, BE IT RESOLVED BY TIlE CITY COMMISSION OF
THE CITY OF DELRAY BEACH, FLORIDA, AS FOLLOWS;
Section 1. That Resolution 31-04 is hereby amended by adopting this resolution and
an amended Local Housing Assistance Plan.
Section 2. That the maximum cost per unit for eligtble housing assistance awards
pursuant to the SHIP program may not exceed ninety percent (90%) of the median area ptirchase
price for newly constructed units and existing units as established by U. S. Treasury Revenue
Proclamation 2005-15.
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Section 3. That the ~um award be will be limited to $55,000 f~r very low,
$51,000 for low and $41,000 for moderate-ip.come households for purchase assistanc~ $35,000
m~um award for very low, low, and moderate inc<?me households for owner-occupied
rehabilitation; $40,000 maximum purchase of a vacant, buildable lot of record, as defined in the
City's Land Development Regulations; and $~~OOO trulxinnnn award for disaster relief assistance,
specific to the conditions, strategieS and. eligibility determination under the guidelines of the SHIP
Program and this Plan.
Section 4. That the City of Delray Beach finds that five percent (5%) of the Local
housing distribution is insufficient to adequately administer the SHIP Program. Therefore, the
admmisttatWe funding shall increase, but shall not exceed ten percent (10%) as allowed by Tide 67
of the Florida Administrative Code, and to include the allowable five percent (5%) of Program
Income for additional administrative funding under the SHIP Program.
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Section 5. The Local Housing Assistance Plan, as amended, remains in full force and
effect and the Local Housing Assistance Plan previously adopted prior to Resolution 31-04 remains
unchanged, unless expressly modified by this resolution.
Section 6. That the City of DeIray Beach is authorized to submit the amended Local
Housing Assistance Plan to the State Housing Finance Corporation for its revie'Y and approval.
Section 7. That the Mayor is authorized to execute any document and certifications
required as a part of the Local Housing Assistance Plan on behalf of the City of Delray Beach.
Section 8. That this resolution shall become effective immediately upon its passage.
2005.
PASSED AND ADOPTED in regular session on this the 6th day of September,
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ATTEST;
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City Oerk
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Resolution No. 66-05
Agenda Item No.: ~
AGENDA REQUEST
Request to be placed on:
~ Regular Agenda
_ Special Agenda
_ Workshop Agenda
~ Consent Agenda
Date: August 31, 2006
When: September 5,2006
Description of item:
A request to correct a typographical error on Resolution # 66-05.
Recommendation:
Staff recommends correction of the typographical error contained in Section 3 of
Resolution # 66-05 to state "and $10,000 maximum award for disaster relief assistance,
specific to the conditions, strategies and eligibility determination under the guidelines of
the SHIP Program and this Plan." . __--'
Department Head Signature: ~ ~ -
City Attorney Review/Recommendation (if applicable):
Budget Director Review (required on all items involving expenditure of funds):
Funding Available: YES/NO
Funding Alternatives:
Account No. & Description:
Account Balance:
(if applicable)
City Manager Review:
Approved for Agenda:
Hold Until:
@/NO tJ?1
Agenda Coordinator Review:
Received:
Placed on Agenda:
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RESOLUTION NO. 66-05
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF DELRA Y
BEACH, FLORIDA, ADOPTING THE AMENDED LOCAL HOUSING
ASSISTANCE PLAN PURSUANT TO THE STATE HOUSING INITIATNES
PARTNERSHIP (SHIP) PROGRAM AS ATTACHED HERETO;
ESTABLISHING A MAXIMUM COST PER UNIT, THE STRATEGIES AND
INCENTNES OF THE PLAN, THE MAXIMUM SHIP FUNDS ALLOWABLE
FOR ASSISTANCE, THE MAXIMUM SHIP FUNDS FOR ADMINISTRATNE
EXPENSES; AUTHORIZING THE NECESSARY CERTIFICATIONS BY THE
1L:\ YOR AND AUTHORIZING SUBMISSION OF THE PLAN TO THE
STATE HOUSING FINANCE CORPORATION; PROVIDING FOR AN
EFFECTNE DATE UPON APPROVAL.
WHEREAS, the State of Florida, under specific authority established by the William
E. Sadowski Act in July 1992, established the State Housing Initiatives Partnership (SHIP) Program
which requires the CIty to develop a one to three year Local Housing Assistance Plan outlining how
funds will be used; and
WHEREAS, the Act also requires the adoption of a resolution providing for (1) the
maximum and average cost per unit available for eligible housing units; (2) a maxunum and average
of funds awarded under each strategy; (3) implementation of the strategies and incentives under the
plan; (4) establishment of ten percent (10%) of total allocation and five percent (5%) of program
income to be spent on administrative cost of the SHIP program; and
WHEREAS, Resolution No. 31-04 adopting the City of Delray Beach's 2004-2007
LHAP was approved by City Commission on April 13, 2004 and Florida Administrative Code SHIP
rules require the adoption of a resolution to amend an approved Local Housing Assistance Plan.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF
THE CITY OF DELRA Y BEACH, FLORIDA, AS FOLLOWS:
Section 1. That Resolution 31-04 is hereby amended by adopting this resolution and
an amended Local Housing Assistance Plan.
Section 2. That the maximum cost per unit for eligible housing assistance awards
pursuant to the SHIP program may not exceed ninety percent (90%) of the median area purchase
price for newly constructed units and existing units as established by U. S. Treasury Revenue
Proclamation 2005-15.
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Section 3. That the maximum award be will be limited to $55,000 for very low,
$51,000 for low and $41,000 for moderate-income households for purchase assistance; $35,000
maximum award for very low, low, and moderate illcome households for owner-occupied
rehabilitation; $40,000 maximum purchase of a vacant, buildable lot of record, as defined in the
City's Land Development Regulations; and $8,000 maximum award for disaster relief assistance,
specific to the conditions, strategies and eligibility determination under the guidelines of the SHIP
Program and this Plan.
Section 4. That the City of Delray Beach finds that five percent (5%) of the Local
housing distribution is insufficient to adequately administer the SHIP Program. Therefore, the
admirustrative funding shall increase, but shall not exceed ten percent (10%) as allowed by Tide 67
of the Florida Administrative Code, and to include the allowable five percent (5%) of Program
Income for additional administrative funding under the SHIP Program.
Section 5. The Local Housing Assistance Plan, as amended, remains in full force and
effect and the Local Housing Assistance Plan previously adopted prior to Resolution 31-04 remains
unchanged, unless expressly modified by this resolution.
Section 6. That the City of Delray Beach is authorized to submit the amended Local
Housing Assistance Plan to the State Housing Finance Corporation for its review and approval.
Section 7. That the Mayor is authorized to execute any document and certifications
required as a part of the Local Housing ASSistance Plan on behalf of the City of Delray Beach.
Section 8. That this resolution shall become effective immediately upon its passage.
PASSED AND ADOPTED in regular session on this the 6th day of September,
2005.
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ATTEST:
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City Clerk
2
Resolution No. 66-05
CITY OF DELRAY BEACH
DELRAY BEACH
F LOR I D A
*****
All-America City
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1993
2001
SHIP LOCAL HOUSING ASSISTANCE PLAN
(LHAP)
FISCAL YEARS COVERED
2004/2005, 2005/2006 AND 2006/2007
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TABLE OF CONTENTS
I. Program Description (Chapter 67-37 005 F A,C. and Section 420,9072, F S )
3 - 7
II. LHAP Housing Strategies (Chapter 67-37,005(5), F A,C.
7 - 13
III. LHAP INCENTIVE STRATEGIES (Section 420,9071(16), F S,)
13 - 16
IV. EXHIBITS
A. Administrative Budget
B. Timeline
C. Housing Delivery Goals Charts (HDGC)
D. Certification to Florida Housing Finance Corporation
E. Resolution
F. Program Information Sheet
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I. PROGRAM DESCRIPTION Chapter 67-37 005 F,A,C and Section 420,9072, F,S,
A. Name of the participating local government and Interlocal if Applicable:
Section 420. 90 71(5), F.S.
City of Delray Beach
Interlocal : Yes No X
Name of participating local government(s) in the Interlocal Agreement;
NIA
B. Purpose of the program: Section 420,9072, F.S, and Chapter 67-37,005(3), FAC.
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 City of Delray Beach's
comprehensive plan specific to affordable housing.
C. Fiscal years covered by the Plan: Chapter 67-37.002,F.A.C.
J_
X
J_
2004/2005
200512006
2006/2007
D. Governance: Chapter 67-37,005(3)and(5)(i)F.A.C, and Section 420.907I(l4)F,S
The SHIP Program is established in accordance with Section 420.907-9079,
Florida Statutes and Chapter 67-37.007 Florida Administrative Code.
The SHIP Program furthers the housing element objective of providing increased
housing opportunities for low-income persons.
E. Local Housing Partnership Section 420,9072(I)(a), F.s.
SHIP Program encourages building active partnerships between government,
lenders, builders an4 developers, real estate professionals, advocates for low-
income persons and community groups. The City of Delray Beach's Community
Improvement Department has formed a partnership agreement with the Delray
Beach Community Redevelopment Agency, the Community Financing Consortium,
Inc., the Delray Beach Housing Authority, the Center for Technology, Enterprise,
& Development, the Delray Beach Community Development Corporation and
local contractors. This partnership entitled "Delray Beach Renaissance Program"
was developed to implement a comprehensive home-building and community
revitalization program. Resources from each participant are leveraged to minimize
the duplication of services, streamline the approval process and to reduce the cost
of housing to very-low, low-, and moderate-income homebuyers.
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F. Leveraging: Chapter 67-37,007(1)(b)(c), FA C and Ssection 420, 90 75(1)(a) and (/)(b3. and (l)(c), F,S,
The Plan is intended to increase the availability of affordable residential units by
combining local resources and cost saving measures into a local housing partner-
ship 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. The use of SHIP funds along with CDBG funds, General Revenue
contributions awarded by the City, leverages with private sector financing and
technical support provide the basis for increasing the supply of affordable
housing for Delray Beach residents. Emphasis remains on combining neighbor-
hood improvements with the provision of homeownership opportunities for the
very low and low income households.
G. Public Input: Chapter 67-37,005(3), F,A,C.
Public input was solicited through face to face meetings with housing providers,
local neighborhood associations, and through meetings of the City's local housing
Partnership (Delray Beach Renaissance Program). Also, the City conducts an annual
Conununity Needs Assessment Meeting whereby the public is invited to attend
and provide input on how program funds should be allocated.
H. Advertising and Outreach Chapter 67-37 005(6)(a), F.A,C.
The City advertises the notice of funding availability in a local 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. In addition to advertising
in the newspaper, the City publicizes the SHIP program on the City's web site, and
through established homeowner association newsletters, churches located in the CDBG
target area and other organized methods that may be available. SHIP staff participate
in local homebuyer fairs and workshops.
I. Discrimination: Section 4209075(3)( c), F,S,
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. In
implementing its SHIP program, the City of Delray Beach is mindful of affirmatively
furthering fair housing. The City utilizes CDBG funds to further fair housing out-
reach and education activities, as called for in the Consolidated Plan. All SHIP
applicants are required to attend home buyer education seminars that include a
segment on fair housing.
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J. Support Services and Counseling: Chapter 67-37 005(5)(g),F.A C
Support services are available from various sources. The City works with the
members of the Delray Beach Housing Renaissance Partnership, local lenders and
Palm Beach County Consumer Credit Counseling to provide pre and post
homeownership counseling. All prospective homebuyers receive education about
credit, predatory lending, fair housing, pre-purchase home inspections, and post-
purchase education on topics such as budgeting, home maintenance, and energy
conservation.
K. Purchase Price Limits: Section 420,9075(4)(c), F,S, and Chapter67-37,007(6)F.A,C.
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 than 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 by the City of Delray Beach is:
_ Bond Study Numbers provided by Florida Housing Finance Corporation
_ Independent Study (copy attached)
X U.S. Treasury Department
The purchase price limit for new construction and existing homes will be $280,000.
This amount is less than the $331,579 maximum for new home construction and
existing home purchases allowed by the U. S. Treasury Department (Revenue
Proclamation 2005-15) because they are based on the amount that a low income
household can actually afford with a SHIP subsidy. The purchase price limit will be
revised as needed in response to changes in the local real estate market, mortgage
interest rates, etc. Any such revisions will be subject to City Commission and State
approval.
L. Income Limits, Rent Limits and Affordability:
Chapter 67-37,005(5)(e). F,A.C. .and Section 420.9071(2), F.S.
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 (19), (20) and (28), 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
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exceed those rental limits adjusted for bedroom size. The City of De1ray Beach has
established a maximum limit of 35% of gross monthly income on the housing
expenses of SHIP assisted buyers.
M. Wages to Work: Chapter67-37005(6)(b)(7)F.A,C.
Should an eligible sponsor be used, the City 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
employ personnel from the WAGES and Workforce Development Initiatives
programs will be given preference in the selection process. The City works
in partnership with the local Chamber of Commerce to ensure that these
requirements are met.
N. Monitoring and First Right of Refusal: Section 420.9075(3)(e)and (4) (f). F S,
In the case ofrental 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 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: Chapter 67-37.005(6)(f)3. F,A.C.,
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 City of Delray Beach finds
that the monies deposited in the local housing assistance trust fund shall be used to
administer and implement the local housing assistance plan. The cost of
administering the plan may not exceed 5% of the local housing distribution monies
and program income deposited into the trust fund. 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% of the local housing distribution plus
5% of program income is insufficient to adequately pay the necessary costs of
administering the local housing assistance plan. The cost of administering the
program may not exceed 10% 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.
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The City of Delray Beach has adopted the above findings in the attached resolution,
Exhibit E. The Community Development Division of the Community
Improvement Department shall be responsible for administration of the Local
Housing Assistance Plan (LHAP). Administrative functions include program design,
applicant processing and selection, preparing necessary papelWork to issue payments
for program activities, tracking expenditures to ensure that statutory set-asides will
be met, maintaining necessary records, preparing required reports, and all other
duties pertaining to implementation of the LHAP.
II. LHAP HOUSING STRATEGIES: Cluzpter67-37.005(5), F.A.C.
Provide Description:
A. Name of the Strategy: Purchase Assistance
a. Summary of the Strategy: This strategy assists eligible first-time home-
buyers with a 0% interest, deferred payment loan to be applied towards -'
down payment, rehabilitation costs (if applicable), closing costs and principal
reductions for the construction of new and/or purchase of existing single
family homes, townhouses and villas. New construction properties must be
constructed by approved contractors/developers participating in the City of
Delray Beach Housing Renaissance Partnership.
b. Fiscal Years Covered: State fiscal years 2004/2005, 2005/2006 and
2006/2007.
c. Income Categories to be served: Very-low, low-, and moderate-income
households as defined by the U.S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award is noted on the Housing Delivery Goals Charts: The
maximum award level varies by income category as shown below:
Number of Persons in Household
1 2 3 4 or more
44 ,500 88,000 51,500 55,000
41,500 44,500 47,500 51,000
38,500 41,000 43,500 46,000
34,500 36,500 38,500 41,000
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The maximum award is limited to $55,000; however, the maximum
is not automatically provided on an individual basis; rather, the
amount of subsidy awarded will be the minimum amount necessary
to enable the buyer to purchase the property at a monthly payment
affordable to him or her.
e. Terms. Recapture and Default: Assistance will be provided to
eligible households in the form of a fifteen (15) year, 0% interest,
forgivable deferred loan for amounts greater than $5,000 but less
than $30,000. For amounts equal to or greater than $30,000,
assistance will be provided in the form of a thirty (30) year,
0% interest, forgivable deferred loan. Assistance under $5,000
will be awarded as a grant and will not be subject under the program's
recapture provisions. All loan awards will be secured with a second
mortgage I promissory note and will be forgiven on a pro-rated
basis specific to the duration of the note. Repayment of the full loan
award will be immediately due to the City in the event any
"qualifying event(s)" occur prior to expiration ofthe note. Qualifying
event(s) are considered to be:
. sale of unit or transfer of title
. the assisted homeowner fails to continuously occupy the home
. the unit is rented
. unit is refinanced without prior authorization of the City.
Such repaid funds will be utilized in accordance with the approved Local
housing Assistance Plan in effect at the time the funds are recaptured.
If no "qualifying event(s)" occur prior to the expiration of the note, the
loan is totally forgiven. In the event the homeowner wishes to refinance
his or her first mortgage or take out an equity loan to make repairs or
improvements, the City has created an administrative policy pertaining
to subordination requests.
f Recipient Selection Criteria: In addition to being income eligible as
described above, applicants must meet the following selection criteria:
. Must be first-time homebuyer(s), which is defined as one of the
following:
. someone who has not owned a home during the past three years
. a single parent who has been divorced and displaced within the 12
month period prior to time of application, and whose household
includes children under the age of 18
. a displaced victim of domestic abuse
. a person displaced as a result of a government action (other than
eviction from public housing; and those who have special needs
according to Chapter 67-37.002(13)
U :ArchiveJSHIPILHAPS 2003-04 LHAP Forms dtd 9_ 03fLHAP Template 9_2003 #3dr _ TB
-8-
. Must have a bank account
. Applicant must have an accepted contract for a home and have
applied for a first mortgage with a lender
. The applicant must have attended and completed an approved home
buyer education course (i.e., at least four hours in length and
conducted in a classroom setting) approved by the Community
Development Division
g. Sponsor Selection Criteria: Eligible sponsors must meet the following
selection criteria:
. designated 501 (c )(3) non-profit organization under IRS guidelines;
. legally operating within the jurisdiction of the City of Delray Beach
and/or Palm Beach County;
. has delI1~mstrated track record and production experience in the
construction and delivery of affordable housing;
. posess a partnership agreement with the City of Del ray Beach to
participate and further its goals in the delivery of affordable housing
to the City's very-low, low- and moderate-income households;
. preference will be given to sponsors that employee personnel from
W AGES and Workforce Development Initiatives programs.
h. Additional Information: New units constructed must be located in the CDBG
designated target area. Existing homes must be located within the City's
municipal boundaries. Applicants owing money to other assisted housing
programs (such as Section 8 and public housing) are ineligible for SHIP
assistance until they make restitution.
B. Name of the Strategy: Owner-Occupied Housing Rehabilitation
a. Summary of the Strategy: This strategy provides 0% interest, deferred
payment loans to assist very-low, low- and moderate-income households
(below 80% of Area Median Income adjusted for family size) to rehabilitate
existing owner-occupied single family units. Rehabilitation of units
will address interior and exterior buildingle1ectricaUplumbing problems,
health and safety issues, as well as, retrofit of items for those with
special needs, upgrade major systems, and soft costs. It is assumed that
no private lender monies will be involved in these rehabilitation
activities.
b. Fiscal Years Covered: State fiscal years 2004/2005, 200512006 and
200612007.
c. Income Categories to be served: Very-low, low- and moderate-income
households as defined by the U.S. Department of Housing and Urban
U:ArchivelSHIPfLHAPS 2003-04 LHAP Forms dtd 9_03fLHAP Template 9_2003 #3dr_TB
-9-
Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award is noted on the Housing Delivery Goals Charts: The
maximum award for this strategy is $35,000. However, the maximum is not
automatically provided on an individual basis; rather, the amount of subsidy
awarded will be the minimum amount necessary to make the necessary
repairs and bring the house up to the City's minimum code requirements.
e. Terms, Recapture and Default: Assistance greater than $5,000
but less than $20,000 will be provided to eligible households
in the form of a 0% interest, deferred payment loan secured by
a promissory note forgivable over ten (10) years. Loan awards
equal to or greater than $20,000 will be provided in the form of
'a 0% interest, deferred payment loan secured by a promissory note
forgivable over fifteen (15) years. Assistance under $5,000 will be
awarded as a grant and will not be subject under the program's
recapture provisions. Pro-ration of loan award will occur at a rate
specific to the duration of the note. Repayment of the full loan
award will be immediately due to the City in the event any
"qualifying event(s)" occur prior to expiration ofthe note. Qualifying
event( s) are considered to be:
. sale of unit or transfer of title (except for major healthcare
expenses or by inheritance)
. the assisted homeowner fails to continuously occupy the home
. the unit is rented
. unit is refinanced without prior authorization ofthe City
Such repaid funds will be utilized in accordance with the approved Local
housing Assistance Plan in effect at the time the funds are recaptured.
If no "qualifying event(s)" occur prior to the expiration of the note, the
loan is totally forgiven. In the event the homeowner wishes to refinance
his or her first mortgage or take out an equity loan to make repairs or
improvements, the City has created an administrative policy pertaining
to subordination requests.
f. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants must meet the following selection criteria:
. Applicant may not currently own or have assets exceeding
$15,000 (monetary gifts and real estate are included in the
asset calculation; retirement accounts are not)
. Must be owner/occupant
. Mortgage payments and taxes must be current / paid up to date
. Must provide proof of current homeowners insurance
. Must have a bank account
U:ArcbivelSHIP/LHAPS 2003-04 LHAP Forms dtd 9_ 03/LHAP Template 9_2003 #3dr _ TB
- 10-
g, Sponsor Selection Criteria: N/ A. No sponsors are utilized for the
Owner-Occupied Rehabilitation program.
h. Additional Information: The home must be located in the City's
municipal boundaries; the appraised value of the home may not exceed
the maximum sales price allowed in the SHIP program for existing units;
and the homeowner must agree to maintain the home free of any code
violations after rehabilitation work is completed,
C. Name of the Strategy: Land Acquisition
a. Summary of the Strategy: This strategy will provide funds to acquire
properties for future development by non-profit, public agencies or for
profit developers. Properties will be acquired through deed and tax
sales, the foreclosure of government liens and through private purchases.
Properties will be donated and/or sold, competitively to non-profit agencies
that will use the Delray Beach Renaissance Program for the development of
the property. Properties sold competitively to for profit developers must
be utilized for the development of affordable housing. Construction,
rehabilitation, or emergency repairs must be completed either with one
year immediately proceeding the date of conveyance of title or within
24 months of the close of the applicable State fiscal year.
If property is sold to a for-profit developer, applications will be accepted
and awarded competitively using criteria including, but not limited to
The following:
. Financial strength of the agency
. Ability of developer to complete the development by the deadlines
established by the State
. Capacity of the developer
. Features ofthe proposed house(s)
. Marketing plan for the sale of the house(s)
. Whether or not the agency employs personnel from the WAGES
or Workforce Development program
. Whether the proposed housing is compatible with the neighborhood
in terms of design and size
. Affordability ofhouse(s) being built
b. Fiscal Years Covered: State fiscal years 2004/2005, 200512006 and
200612007.
U:Archive/SIUP/LHAPS 2003-04 LHAP Forms dtd I) _03/LHAP Template 1)_2003 #3dr _ TB
-11-
c. Income Categories to be served: Very-low, low-, and moderate-income
households as defined by the U.S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award is noted on the Housing Delivery Goals Charts:
The maximum purchase price for a "buildable lot of record" as defined
in the City's Land Development Regulations will be $40,000. The
maximum purchase price for aggregate lots or large tracts of lands
shall be determined by the appraised value at time of purchase.
Terms, Recapture and Default: The loan for the value of the land will
be at 0% interest. The loan will be recaptured when the property is
.sold.
f. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants must meet the same selection criteria
for recipient's under Strategy A: Purchase Assistance.
g. Sponsor Selection Criteria: Eligible sponsors must meet the following
selection criteria:
. designated 501(c)(3) non-profit organization under IRS guidelines;
. legally operating within the jurisdiction of the City of Delray Beach
and/or Palm Beach County;
. has demonstrated track record and production experience in the
construction and delivery of affordable housing;
. preference will be given to sponsors that employee personnel from
WAGES and Workforce Development Initiatives programs.
h. Additional Information:
D. Name of the Strategy: Disaster Relief
a. Summary ofthe Strategy: In the event of a natural disaster (as declared
by local, state, or federal government), SHIP funds will be used to
leverage available federal and state funds to provide assistance to income
eligible households for the purpose of repairing eligible housing.
Generally, such needs may include: purchase of emergency supplies
for eligible households to weatherproof damaged homes, interim
repairs to avoid further damage, tree and debris removal required to
make individual housing units habitable, and post disaster assistance
with non-insured repairs.
b. Fiscal Years Covered: State fiscal years 200412005,200512006 and
2006/2007.
U:ArchivelSHlP/LHAPS 2003-04 LHAP Forms dtd 9 _03/LOAP Template 9_2003 #3dr_TB
-12 -
c. Income Categories to be served: Very-low, low- and moderate-income
households as defined by the U.S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award as noted on the Housing Delivery Goals Charts: The
maximum award for this strategy is $8,000 per unit.
e. Terms, Recapture and Default: Assistance will be provided in the
form of a grant, so individual households will not be required to repay
funds used for disaster assistance. In the event that the City receives
reimbursement from federal or state sources, such repair funds will
be utilized in accordance with the approved Local Housing Assistance
Plan in effect at the time the funds are disbursed.
f. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants will be served on a first-come, first-served
basis, pending fund availability. Residence must be located within the
municipal boundaries of Delray Beach.
g. Sponsor Selection Criteria: Nt A.
Additional Information: This strategy will be implemented only in the
event of a natural disaster declaration using any SHIP funds that have
not been encumbered.
III. LHAP INCENTIVE STRATEGIES
Section 420.907/(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
The City has in place a "One Stop Shop" permitting process for a co-
ordinated review and approval of all developmental applications submitted
through the Building Division. The system features a fully automated
application tracking software package that provides the opportunity to
readily identitY delays in review time from various departments within
within the permit process. Applications submitted for affordable housing
projects will receive a label marking it as such and prioritized for review.
Applications received are processed by designated persons under the
approved expedited permitting process developed for this program.
B. Name of the Strategy: Ongoing Review Process
U:ArchiveJSHIPILHAPS 2003-04 LHAP Forms dtd 9_ 03ILHAP Template 9_2003 #3dr _ TB
-13 -
An ongoing process which provides for a review and consideration
of local policies, ordinances, regulations and plan provisions that
increase the cost of housing prior to its adoption.
a. Established policy and procedures: Provide Description
The Planning and Zoning Department reviews all proposed new City
policies or changes to the LDR's to determine effects, ifany, on the
cost of housing. If it is determined that there is an impact, an
analysis is prepared by appropriate department staff and submitted to
City Commission for review prior to its approval.
C. Name of the Strategy: Impact Fees Requirements
An on-going process to allow for the payment of Impact fees
associat~_d with new construction of affordable housing units.
a. Established policy and procedures: Provide Description
The City has been unsuccessful in petitioning the County to
waive impact fees associated with new construction of affordable
housing units. The County does provide an impact fee credit for
units built on a lot, which had a previous residential unit on the
site. The Community Development staff provides the research on
properties to identify these credits wherever possible. When no
credit is applicable, the City may use SHIP funds to pay the impact
fees.
D. Name of the Strategy: Waiver of Building Permit Fees
An ongoing process for reducing the cost of building or rehabilitating
affordable housing.
a. Established policy and procedures: Provide Description
The City has adopted a policy for the waiver of building, paving,
irrigation and plan review fees for affordable housing units. This has
generated a savings to the homeowner estimated at $1,200 in permit
fees per unit.
E. Name of the Strategy: Allowance oflncreased Density Levels
An ongoing process to review zoning regulations for the purpose
of allowing increased density to encourage development of
affordable housing unit.
a. Established policy and procedures: Provide Description
The Housing Element of the City's Comprehensive Plan provide for
increases to density when it can be demonstrated that such increases
will lead to an affordable unit, provided that other policies of the
Comprehensive Plan are met. The Land Development Regulations
U:ArcbiveJSHIPILHAPS 2003-04 LHAP Forms dtd 9_ 03/LHAP Template 9_2003 #3dr _ TB
-14 -
allow for increased densities in planned unit development on a case-
by-case basis. This does not apply to in-fill housing and the lack of
large vacant parcels makes this incentive limited in its effect.
F. Name of the Strategy: Reservation ofInfrastructure Capacity
An ongoing process to provide for infrastructure improvements in
deteriorating neighborhoods
a. Established policy and procedures: Provide Description
Infrastructure facilities currently exist throughout the entire City. However,
where there are visible signs of deterioration, Comprehensive Plan policy
provides for prioritization in scheduling necessary improvements. AB each
year's infrastructure improvement schedule is prepared, priority is given
to neighborhoods with concentrations of infrastructure deficiencies.
G. Name of the Strategy: Reduction of Parking and Set Back Requirements
An ongoing process to encourage development of affordable units by
allowing for reduced parking and set back requirements
a. Established policy and procedures: Provide Description
Current regulations require two parking spaces per dwelling unit
beyond required front yard set back in Single Family Zoning Districts.
as an incentive to affordable housing, one of the required parking
spaces may be located within the side set back within one foot of
the property line, provided the impervious area used for parking is
sloped to drain on the lot being developed. This incentive will provide
a cost reduction of approximately $800 per unit. The allowance of side
set back parking improves the appearance and traffic flow by reducing
haphazard street parking..
H. Name of the Strategy: Preparation of a printed inventory of locally owned
public lands suitable for affordable housing
An ongoing process to identify land suitable for development of
affordable housing
a. Established policy and procedures: Provide Description
The Planning Department has compiled a complete list of City owned
lands of 3 acres or more along with available single family lots. The
Community Redevelopment Agency maintains a list of vacant parcels,
which they own or have under contract suitable for in-fill residential
construction. These lists are made available to the public, private
developers and non-profit agencies.
Name of the Strategy: Reduction of Landscape Requirements
U:ArckivelSHlPILHAPS 2003-64 LHAP Forms dtd 9 _03ILHAP Template 9_2003 #3dr_TB
-15 -
An ongoing process to encourage the development of affordable units
by allowing for a reduction of the City's landscape requirements
a. Established policy and procedures: Provide Description
The current requirements at Section 4.6.16(H) for Single Family Housing
is that 20% of all pervious lot area be planted in shrubs and ground
cover and the remaining 80% of the area be planted in turf. In support
of projects participating in the City's Affordable Housing Programs the
requirements of the landscape code are reduced to allow for only 10%
of the pervious single family lot area be planted in shrubs and ground
cover and that they be installed in the front and side setbacks. It is
estimated that $1,200 will be reduced from the cost of producing one unit.
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan. Exhibit A.
B. Timeline for Encumberance 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. 90 72(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.
G. Ordinance: Section 420,9072(3)(a), F,S,
If changed from the original ordinance, a copy is attached as
Exhibit G.
H. Interlocal Agreement: Section 420,9072, F,S,
A copy of the Interlocal Agreement if applicable is attached as Exhibit H.
U:ArcbivelSHIPILHAPS 2003-04 LHAP Forms dtd 9_ OJILHAP Template 9_2003 #Jdr _ TB
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ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
Fiscal Year 2004/2005
Salaries and Benefits
Audit/Accounting Fees
Operating Expenses for SHIP
Coordinator (Le., travel & training,
phone, memberships, etc.
Advertising
$ 43,125.00
$ 990.00
$ 2,315.00
$ 426.00
$ 46,856.00
Fiscal Year 2005/2006
Salaries and Benefits
Audit/Accounting Fees
Operating Expenses for SHIP
Coordinator (Le., travel & training,
phone, memberships, etc.
Advertising
$ 44,420.00
$ 990.00
$ 2,500.00
$ 426.00
$ 48,336.00
Fiscal Year 2006/2007
Salaries and Benefits
Audit/Accountin Fees
Operating Expenses for SHIP
Coordinator (Le., travel & training,
phone, memberships, etc.
Advertising
$ 45,750.00
$ 990.00
$ 2,500.00
$ 426.00
$ 49,666.00
Administrative expenses in excess of the maximum ten
percent (10%) of SHIP allocation will be supplemented
by City general funds or other grant dollars. Budgeted
amounts based on 2004/2005 allocation of $465,857
Exhibit A
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Exhibit D
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government:
City of De Ira v Beach
(1) The local government will advertise the availability of SHIP funds pursuant to Florida
Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race, creed, religion, color, age, sex, familial or marital
status, handicap, or national origin.
(3) A process for selection of recipients for funds has been developed.
(4) The eligible municipality or county has developed a qualification system for applications for
awards.
(5) Recipients of funds will be required to contractually commit to program guidelines.
(6) The Florida Housing Finance Corporation will be notified promptly if the local
government (or interlocal entity) will be unable to comply with the provisions the plan.
(7) The Local Housing Assistance Plan shall provide for the expenditure of SHIP funds within
24 months following the end of the State fiscal year in which they are received.
(8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment to
the Local Government Comprehensive Plan will be initiated at the next available
opportunity to insure conformance with the Local Housing Assistance Plan.
(9) Amendments to the approved Local Housing Assistance Plan shall be provided to the
Corporation with in 21 days after adoption.
(10) The trust fund shall be established with a qualified depository for all SHIP funds as well
as moneys generated from activities such as interest earned on loans.
(11) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted
by law.
(12) The local housing assistance trust fund shall be separately stated as a special revenue fund in
the local governments audited financial statements, copies ofthe audits will be forwarded to
the Corporation as soon as available.
13) An interlocal entity shall have its local housing assistance trust fund separately audited
for each state fiscal year, and the audit forwarded to the Corporation as soon as possible.
1
October 2003
Exhibit D
Page 2
Certification
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) Developers receiving assistance from both SHIP and the Low Income Housing Tax
Credit (LIHTC) Program shall comply with the income, affordability and other LIHTC
requirements, Similarly, any units receiving assistance from other federal programs shall
comply with all Federal and SHIP program requirements.
(16) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to service eligible persons.
(17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least
annually for 15 years for compliance with tenant income requirements and affordability
requirements or as required in Section 420.9075 (3)(e)
(18) The Plan meets the requirements of Section 420-907-9079 FS, and Rule Chapter 67-37
F AC, and how each of those requirements shall be met.
(19) The provisions of Chapter 83-220, Laws of Florida _has or _ has not
been implemented.
Witness
Chief Elected Official or designee
Witness
Jeff Perlman. Mayor
Type Name and Title
Date
OR
Attest:
(Seal)
2
October 2003
Exhibit F
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
INFORMATION SHEET
LOCAL GOVERNMENT: City of Delray Beach
CHIEF ELECTED OFFICIAL (Mayor, Chairman, etc.): leffPerlman, Mayor
ADDRESS: 100 NW 1 st Avenue
Delray Beach, FL 33444
SHIP ADMINISTRATOR: Ferline Mesidort, Community Development Specialist
ADDRESS: 100NW 1st Avenue
Delray Beach, FL 33444
TELEPHONE:(561) 243-7236 FAX:(561) 243-7221
EMAIL ADDRESS:mesidort@ci.delray-beach.fl.us
ADDITIONAL SHIP CONTACTS: Kendra Graham, Community Development Administrator
ADDRESS: 100 NW 1st Avenue
Delray Beach, FL 33444
EMAIL ADDRESS:graham@ci.delray-beach.fl.us
INTERLOCAL AGREEMENT: YES/NO (IF yes, list other participants in the inter-local agreement):
The following information must be furnished to the Corporation before any funds can be disbursed.
LOCAL GOVERNMENT EMPLOYER FEDERAL ID NUMBER:
MAIL DISBURSEMENT TO:
ADDRESS:
59-6000308
OR:IF YOUR FUNDS ARE ELECTRONICALLY TRANSFERRED PLEASE COMPLETE THE ATTACHED FORM:
o NO CHANGE FROM PREVIOUS ELECTRONIC FORM SUBMITTED.
Provide any additional updates the Corporation should be aware of III the space below:
Please return this form to: SHIP PROGRAM MANAGER, FHFC 227 N. BRONOUGH ST, STE 5000
TALLAHASSEE, FL 32301 Fax: (850) 922-7253
0(;1
'V)V \
MEMORANDUM
TO: David Harden, City Manager
FROM: Lula Butler, Community Improvement Director ~
THRU: Kendra W. Graham, Community Development Administrator ~
DATE: September 1,2005
SUBJECT: Approval of Resolution #66-05 Adopting the State Housing Initiatives
Partnership (SHIP) amended Local Housing Assistance Plan for Fiscal Years
200412005, 200512006, and 2006/2007
ITEM BEFORE THE COMMISSION
City Commission authorization and approval of the City's State Housing Initiatives Partnership
(SHIP) Program, amended Local Housing Assistance Plan for Fiscal Years 2004-2007 by
adopting Resolution #66-05 pursuant to Title 67-37 of the Florida Administrative Code.
BACKGROUND
For the past twelve (12) years the Community Improvement Department has received funds
under the State Housing Initiatives Partnership (SHIP) Program. SHIP funds are generated from
a portion of documentary stamp taxes collected throughout the State and held in the State's
Housing Trust Fund for the development and maintenance of affordable housing. The State
requires a Local Housing Assistance Plan (LHAP) outlining how the City plans to administer the
SHIP funds once they are received. On February 23, 1993, under Ordinance #2-93, the City
Commission established a Local Housing Assistance Program, created the Local Housing Trust
Fund and created the Affordable Housing Advisory Committee to comply with various sections
of Title 67 of the Administrative Code of Florida. Community Development Division staff has
administered the program and under the approved Plans have assisted Delray Beach residents
with homeownership and housing rehabilitation opportunities. The current Plan (2004-2007)
was adopted by Resolution #31-04 on April 13, 2004.
Staff reviewed the proposed changes with members of the T.E.D. Center, Delray Beach CDC
and CRA and is recommending that the 2004-2007 Local Housing Assistance Plan be amended
as follows: 1) Increase the purchase price limit for new construction and existing homes; 2)
Revise the recapture policy and extend the term of forgiveness for both the First Time
Homebuyer's Program and the Owner-Occupied Rehabilitation Program; and 3) Increase the
maximum subsidy amounts for all income levels.
RECOMMENDATION
Staff recommends approval of the amended Local Housing Assistance Plan for Fiscal Years
2004/2005,2005/2006 and 2006/2007 by adoption of Resolution #66-05.
<g\Z
RESOLUTION NO. 66-05
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF
DELRA Y BEACH, FLORIDA, ADOPTING THE AMENDED LOCAL
HOUSING ASSISTANCE PLAN PURSUANT TO THE STATE
HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM AS
A IT ACHED HERETO; ESTABLISHING A MAXIMUM COST PER
UNIT, THE STRATEGIES AND INCENTIVES OF THE PLAN, THE
MAXIMUM SHIP FUNDS ALLOWABLE FOR ASSISTANCE, THE
MAXIMUM SHIP FUNDS FOR ADMINISTRATIVE EXPENSES;
AUTHORIZING THE NECESSARY CERTIFICATIONS BY THE
MAYOR AND AUTHORIZING SUBMISSION OF THE PLAN TO THE
STATE HOUSING FINANCE CORPORATION; PROVIDING FOR AN
EFFECTIVE DATE UPON APPROVAL.
WHEREAS, the State of Florida, under specific authority established by the
William E. Sadowski Act in July 1992, established the State Housing Initiatives Partnership
(SHIP) Program which requires the City to develop a one to three year Local Housing Assistance
Plan outlining how funds will be used; and
WHEREAS, the Act also requires the adoption of a resolution providing for (1)
the maximum and average cost per unit available for eligible housing units; (2) a maximum and
average of funds awarded under each strategy; (3) implementation of the strategies and
incentives under the plan; (4) establishment of ten percent (10%) of total allocation and five
percent (5%) of program income to be spent on administrative cost of the SHIP program; and
WHEREAS, Resolution No. 31-04 adopting the City of Delray Beach's 2004-
2007 LHAP was approved by City Commission on April 13, 2004 and Florida Administrative
Code SHIP rules require the adoption of a resolution to amend an approved Local Housing
Assistance Plan.
NOW, THEREFORE, BE IT RESOLVED BY TIlE CITY COMMISSION OF
THE CITY OF DELRA Y BEACH, FLORIDA, AS FOLLOWS:
Section I. That Resolution 31-04 is hereby amended by adopting this resolution
and an amended Local Housing Assistance Plan.
Section 2. That the maximum cost per unit for eligible housing assistance awards
pursuant to the SHIP program may not exceed ninety percent (90%) of the median area purchase
price for newly constructed units and existing units as established by U. S. Treasury Revenue
Proclamation 2005-15.
Section 3. That the maximum award be will be limited to $55,000 for very low,
$51,000 for low and $41,000 for moderate-income households for purchase assistance; $35,000
maximum award for very low, low, and moderate income households for owner-occupied
rehabilitation; $40,000 maximum purchase of a vacant, buildable lot of record, as defined in the
City's Land Development Regulations; and $8,000 maximum award for disaster relief assistance,
specific to the conditions, strategies and eligibility determination under the guidelines of the
SHIP Program and this Plan.
Section 4. That the City of Delray Beach finds that five percent (5%) of the Local
housing distribution is insufficient to adequately administer the SHIP Program. Therefore, the
administrative funding shall increase, but shall not exceed ten percent (10%) as allowed by Title
67 of the Florida Administrative Code, and to include the allowable five percent (5%) of
Program Income for additional administrative funding under the SHIP Program.
Section 5. The Local Housing Assistance Plan, as amended, remains in full force
and effect and the Local Housing Assistance Plan previously adopted prior to Resolution 31-04
remai~s unchanged, unless expressly modified by this resolution.
Section 6. That the City of Delray Beach is authorized to submit the amended
Local Housing Assistance Plan to the State Housing Finance Corporation for its review and
approval.
Section 7. That the Mayor is authorized to execute any document and
certifications required as a part of the Local Housing Assistance Plan on behalf of the City of
Delray Beach.
Section 8. That this resolution shall become effective immediately upon its
passage.
PASSED AND ADOPTED in regular session on this the 6th day of September,
2005.
MAYOR
A TrEST:
City Clerk
Res. No. 66-05
Proposed Changes to the City of Delray Beach's Local Housing Assistance Plan
Change
Increase purchase price limit for new
construction and existing homes from $156,000
and $142,000 respectively to one price limit of
$280,000 for both new and existing housing.
Revise the recapture policy as follows:
First-time Homebuyer's Program
1) Extending term of forgiveness from 7
years for deferred loan amounts less
than $17,500, to 15 years for awards
less than $30,000; and from 15 years
for deferred loan awards over $17,500,
to 30 years for awards over $30,000.
Owner-Occupied Rehabilitation
2) Extending term of forgiveness from 5
years for deferred loan amounts less
than $15,00, to 10 years for awards
less than $20,000; and from 10 years
for deferred loan awards over $20,000,
to 15 years for awards over $20,000.
Increase maximum subsidy amounts:
First-time Homebuyer's Program
Current Proposed
$35,000 $55,000
$31,000 $51,000
$26,000 $46,000
$21,000 $41,000
o - 50%
51-65%
65-80%
81-100%
Owner-Occupied Rehabilitation
Current Proposed
$25,000 $35,000
Justification
Current price limit for new construction is
$156,000 and $142,000 for existing. A recent
MLS search of 3 bdrm./2bath properties with
living square footage between 1,100 and 1,600
sq. ft. and a maximum purchase price of
$156,000 produced 0 results. According to the
U. S. Treasury Revenue Proclamation 2005-15,
the median purchase price of homes in our
MSA is $331,579 but we must remember that
even if we offer a $55,000 subsidy, a 4 person
household at 50% of our median income limit
could afford no more than a $200,000 home
(assuming a 5.75% interest rate and $350
monthly debt)
With our proposed subsidies being higher and
the State's allocation possibly decreasing if the
Housing Trust Fund is eliminated, we would not
be able to assist as many families. Therefore,
we need revenue to fund the program in
addition to what the State provides. Also, the
extended terms will increase the probability of
assisted housing units remaining affordable
over a longer period of time and thereby
expanding the City's affordable housing stock.
In the past, providing assistance to the very low-
and low-income households has been a priority.
However, with the escalating cost of housing
and land in Delray Beach, it has become
evident that homeowership for the moderate-
income household is also needed. Using
mortgage calculator spreadsheets and
assuming 5.75% interest, $350 monthly debt,
and 2% from the borrower, these subsidy
amounts will barely be sufficient to assist those
at the very low range of the income limits
adjusted for family size.
CITY OF DELRA Y BEACH
DELRAY BEACH
F LOR I D A
*****
All-America City
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1993
2001
SHIP LOCAL HOUSING ASSISTANCE PLAN
(LHAP)
FISCAL YEARS COVERED
2004/2005, 2005/2006 AND 2006/2007
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TABLE OF CONTENTS
I. Program Description (Chapter 67-37 005 f A C. and SectIOn 420 9072, f,S,)
3 - 7
II. LHAP Housing Strategies (Chapter 67-37,005(5), f AC
7 - 13
III. LHAP INCENTIVE STRATEGIES (Sechon4209071(16),fS)
13 - 16
IV. EXHIBITS
A. Administrative Budget
B. Timeline
C. Housing Delivery Goals Charts (HDGC)
D. Certification to Florida Housing Finance Corporation
E. Resolution
F. Program Information Sheet
17
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I. PROGRAl\1 DESCRIPTION Chapter 67-37 005 F,A,C. and Section 420,9072, F S,
A. Name of the participating local government and Interlocal if Applicable:
Sectiolt 420.9072(5),F.S.
City of Delray Beach
Interlocal : Yes No _X_
Name of participating local govemment(s) in the Interlocal Agreement;
N/A
B. Purpose of the program: Section 420,9072, F.S, and Chapter 67-37,005(3), F,A,C
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 City of Delray Beach's
comprehensive plan specific to affordable housing.
C. Fiscal years covered by the Plan: Chapter 67-37.002,F.A.C.
x
--
_X_
X
- -
2004/2005
2005/2006
2006/2007
D. Governance: Chapter 67-37 005(3)and(5)(i)F A,C. and Section 420 907I(l4)F.S,
The SHIP Program is established in accordance with Section 420.907-9079,
Florida Statutes and Chapter 67-37.007 Florida Administrative Code.
The SHIP Program furthers the housing element objective of providing increased
housing opportunities for low-income persons.
E. Local Housing Partnership Section 420,9072(l)(a), F.s.
SHIP Program encourages building active partnerships between government,
lenders, builders and developers, real estate professionals, advocates for low-
income persons and community groups. The City of Delray Beach's Community
Improvement Department has formed a partnership agreement with the Delray
Beach Community Redevelopment Agency, the Community Financing Consortium,
Inc., the Delray Beach Housing Authority, the Center for Technology, Enterprise,
& Development, the Delray Beach Community Development Corporation and
local contractors. This partnership entitled "Del ray Beach Renaissance Program"
was developed to implement a comprehensive home-building and community
revitalization program. Resources from each participant are leveraged to minimize
the duplication of services, streamline the approval process and to reduce the cost
of housing to very-low, low-, and moderate-income homebuyers.
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F. Leveraging: Chapter 67-37 007(I)(b)(c). FA C and SsectlOn 420, 90 75(l)(a) and (l)(b3. and (l)(C). F,S,
The Plan is intended to increase the availability of affordable residential units by
combining local resources and cost saving measures into a local housing partner-
ship 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, The use of SHIP funds along with CDBG funds, General Revenue
contributions awarded by the City, leverages with private sector financing and
technical support provide the basis for increasing the supply of affordable
housing for Delray Beach residents. Emphasis remains on combining neighbor-
hood improvements with the provision of homeownership opportunities for the
very low and low income households.
G. Public Input: Chapter 67-37,OO5(3), FA,C.
Public input was solicited through face to face meetings with housing providers,
local neighborhood associations, and through meetings ofthe City's local housing
PartnershIp (Delray Beach Renaissance Program). Also, the City conducts an annual
Community Needs Assessment Meeting whereby the public is invited to attend
and proVIde input on how program funds should be allocated.
H. Advertising and Outreach Chapter 67-37,005(6){a). FA C.
The City advertises the notice of funding availability in a local 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. In addition to advertising
in the newspaper, the City publicizes the SHIP program on the City's web site, and
through established homeowner association newsletters, churches located in the CDBG
target area and other organized methods that may be available. SHIP staff participate
in local homebuyer fairs and workshops.
I. Discrimination: Section 420. 90 75(3)( c), F.S
In accordance with the provisions of 5S. 760.20-760.3 7, 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. In
implementing its SHIP program, the City of Delray Beach is mindful of affirmatively
furthering fair housing. The City utilizes CDBG funds to further fair housing out-
reach and education activities, as called for in the Consolidated Plan. All SHIP
applicants are required to attend home buyer education seminars that include a
segment on fair housing.
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J. Support Services and Counseling: Chapter 67-37,005(5)(g).F.A,C
Support services are available from various sources. The City works with the
members of the Delray Beach Housing Renaissance Partnership, local lenders and
Palm Beach County Consumer Credit Counseling to provide pre and post
homeownership counseling. All prospective homebuyers receive education about
credit, predatory lending, fair housing, pre-purchase home inspections, and post-
purchase education on topics such as budgeting, home maintenance, and energy
conservation.
K. Purchase Price Limits: Section 420,9075(4}(c), F,S, and Chapter67-37,007(6}F.A,C.
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 than 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 by the City of Delray Beach is:
_ Bond Study Numbers provided by Florida Housing Finance Corporation
_ Independent Study (copy attached)
X U.S. Treasury Department
The purchase price limit for new construction and existing homes will be $280,000.
This amount is less than the $331,579 maximum for new home construction and
existing home purchases allowed by the U. S. Treasury Department (Revenue
Proclamation 2005-15) because they are based on the amount that a low income
household can actually afford with a SHIP subsidy. The purchase price limit will be
revised as needed in response to changes in the local real estate market, mortgage
interest rates, etc. Any such revisions will be subject to City Commission and State
approval.
L. Income Limits, Rent Limits and Affordability:
Chapter 67-37,005(5)(e), F.A,C. ,and Section 420.9071(2), F.S.
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 (19), (20) and (28), 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
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exceed those rental limits adjusted for bedroom size. The City of Delray Beach has
established a maximum limit of 35% of gross monthly income on the housing
expenses of SHIP assisted buyers.
M. Wages to \Vork: Chapter 67-37,005(6)(b)(7)F.A,C
Should an eligible sponsor be used, the City 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
employ personnel from the WAGES and Workforce Development Initiatives
programs will be given preference in the selection process. The City works
in partnership with the local Chamber of Commerce to ensure that these
requirements are met.
N. Monitoring and First Right of Refusal: Section 420. 90 75(3)(e)and (4) (f). F S
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 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: Chapter 67-37.005(6)(f)3, F,A,C.,
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 City of Delray Beach finds
that the monies deposited in the local housing assistance trust fund shall be used to
administer and implement the local housing assistance plan. The cost of
administering the plan may not exceed 5% of the local housing distribution monies
and program income deposited into the trust fund. 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% of the local housing distribution plus
5% of program income is insufficient to adequately pay the necessary costs of
administering the local housing assistance plan. The cost of administering the
program may not exceed 10% 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.
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The City of Delray Beach has adopted the above findings in the attached resolution,
Exhibit E. The Community Development Division of the Community
Improvement Department shall be responsible for administration of the Local
Housing Assistance Plan (LHAP). Administrative functions include program design,
applicant processing and selection, preparing necessary paperwork to issue payments
for program activities, tracking expenditures to ensure that statutory set-asides will
be met, maintaining necessary records, preparing required reports, and all other
duties pertaining to implementation of the LHAP.
II. LHAP HOUSING STRATEGIES: Chapter 67-37.005(5), F.A..c.
Provide Description:
A. Name of the Strategy: Purchase Assistance
a. Summary of the Strategy: This strategy assists eligible first-time home-
buyers with a 0% interest, deferred payment loan to be applied towards -
down payment, rehabilitation costs (if applicable), closing costs and principal
reductions for the construction of new and/or purchase of existing single
family homes, townhouses and villas. New construction properties must be
constructed by approved contractors/developers participating in the City of
Delray Beach Housing Renaissance Partnership.
b. Fiscal Years Covered: State fiscal years 2004/2005, 2005/2006 and
2006/2007.
c. Income Categories to be served: Very-low, low-, and moderate-income
households as defined by the U.S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award is noted on the Housing Delivery Goals Charts: The
maximum award level varies by income category as shown below:
Number of Persons in Household
1 2 3 4 or more
44,500 88,000 51,500 55,000
41,500 44,500 47,500 51,000
38,500 41,000 43,500 46,000
34,500 36,500 38,500 41,000
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The maximum award is limited to $55,000; however, the maximum
is not automatically provided on an individual basis; rather, the
amount of subsidy awarded will be the minimum amount necessary
to enable the buyer to purchase the property at a monthly payment
affordable to him or her.
e. Terms, Recapture and Default: Assistance will be provided to
eligible households in the form of a fifteen (15) year, 0% interest,
forgivable deferred loan for amounts greater than $5,000 but less
than $30,000. For amounts equal to or greater than $30,000,
assistance will be provided in the form of a thirty (30) year,
0% interest, forgivable deferred loan. Assistance under $5,000
will be awarded as a grant and will not be subject under the program's
recapture provisions. All loan awards will be secured with a second
mortgage / promissory note and will be forgiven on a pro-rated
basis specific to the duration of the note. Repayment of the full loan
award will be immediately due to the City in the event any
"qualifying event(s)" occur prior to expiration of the note. Qualifying
event(s) are considered to be:
. sale of unit or transfer of title
. the assisted homeowner fails to continuously occupy the home
. the unit is rented
. unit is refinanced without prior authorization of the City.
Such repaid funds will be utilized in accordance with the approved Local
housing Assistance Plan in effect at the time the funds are recaptured.
If no "qualifying event(s)" occur prior to the expiration of the note, the
loan is totally forgiven. In the event the homeowner wishes to refinance
his or her first mortgage or take out an equity loan to make repairs or
improvements, the City has created an administrative policy pertaining
to subordination requests.
f. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants must meet the following selection criteria:
. Must be first-time homebuyer(s), which is defined as one of the
following:
. someone who has not owned a home during the past three years
. a single parent who has been divorced and displaced within the 12
month period prior to time of application, and whose household
includes children under the age of 18
. a displaced victim of domestic abuse
. a person displaced as a result of a government action (other than
eviction from public housing; and those who have special needs
according to Chapter 67-37.002(13)
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. Must have a bank account
. Applicant must have an accepted contract for a home and have
applied for a first mortgage with a lender
. The applicant must have attended and completed an approved home
buyer education course (i.e., at least four hours in length and
conducted in a classroom setting) approved by the Community
Development Division
g. Sponsor Selection Criteria: Eligible sponsors must meet the following
selection criteria:
. designated 501(c)(3) non-profit organization under IRS guidelines;
. legally operating within the jurisdiction of the City of Delray Beach
and/or Palm Beach County;
. has deII1~mstrated track record and production experience in the
construction and delivery of affordable housing;
. posess a partnership agreement with the City of Del ray Beach to
participate and further its goals in the delivery of affordable housing
to the City's very-low, low- and moderate-income households;
. preference will be given to sponsors that employee personnel from
WAGES and Workforce Development Initiatives programs.
h. Additional Information: New units constructed must be located in the CDBG
designated target area. Existing homes must be located within the City's
municipal boundaries. Applicants owing money to other assisted housing
programs (such as Section 8 and public housing) are ineligible for SHIP
assistance until they make restitution.
B. Name of the Strategy: Owner-Occupied Housing Rehabilitation
a. Summary of the Strategy: This strategy provides 0% interest, deferred
payment loans to assist very-low, low- and moderate-income households
(below 80% of Area Median Income adjusted for family size) to rehabilitate
existing owner-occupied single family units. Rehabilitation of units
will address interior and exterior building/electricaVplumbing problems,
health and safety issues, as well as, retrofit of items for those with
special needs, upgrade major systems, and soft costs. It is assumed that
no private lender monies will be involved in these rehabilitation
activities.
b. Fiscal Years Covered: State fiscal years 200412005, 200512006 and
200612007.
c. Income Categories to be served: Very-low, low- and moderate-income
households as defined by the U.S. Department of Housing and Urban
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Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award is noted on the Housing Delivery Goals Charts: The
maximum award for this strategy is $35,000. However, the maximum is not
automatically provided on an individual basis; rather, the amount of subsidy
awarded will be the minimum amount necessary to make the necessary
repairs and bring the house up to the City's minimum code requirements.
e. Terms, Recapture and Default: Assistance greater than $5,000
but less than $20,000 will be provided to eligible households
in the form of a 0% interest, deferred payment loan secured by
a promissory note forgivable over ten (10) years. Loan awards
equal to or greater than $20,000 will be provided in the form of
'a 0% interest, deferred payment loan secured by a promissory note
forgivable over fifteen (15) years. Assistance under $5,000 will be
awarded as a grant and will not be subject under the program's
recapture provisions. Pro-ration of loan award will occur at a rate
specIfic to the duration of the note. Repayment of the full loan
award will be inunediately due to the City in the event any
"qualifying event(s)" occur prior to expiration of the note. Qualifying
event(s) are considered to be:
. sale of unit or transfer of title (except for major healthcare
expenses or by inheritance)
. the assisted homeowner fails to continuously occupy the home
. the unit is rented
. unit is refinanced without prior authorization of the City
Such repaid funds will be utilized in accordance with the approved Local
housing Assistance Plan in effect at the time the funds are recaptured.
Ifno "qualifying event(s)" occur prior to the expiration of the note, the
loan is totally forgiven. In the event the homeowner wishes to refinance
his or her first mortgage or take out an equity loan to make repairs or
improvements, the City has created an administrative policy pertaining
to subordination requests.
f. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants must meet the following selection criteria:
. Applicant may not currently own or have assets exceeding
$15,000 (monetary gifts and real estate are included in the
asset calculation; retirement accounts are not)
. Must be owner/occupant
. Mortgage payments and taxes must be current / paid up to date
. Must provide proof of current homeowners insurance
. Must have a bank account
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g. Sponsor Selection Criteria: N/ A. No sponsors are utilized for the
Owner-Occupied Rehabilitation program.
h. Additional Information: The home must be located in the City's
municipal boundaries; the appraised value of the home may not exceed
the maximum sales price allowed in the SHIP program for existing units;
and the homeowner must agree to maintain the home free of any code
violations after rehabilitation work is completed.
C. Name of the Strategy: Land Acquisition
a. Summary of the Strategy: This strategy will provide funds to acquire
properties for future development by non-profit, public agencies or for
profit developers. Properties will be acquired through deed and tax
sales, the foreclosure of government liens and through private purchases.
Properties will be donated and/or sold, competitively to non-profit agencies
that will use the Delray Beach Renaissance Program for the development of
the property. Properties sold competitively to for profit developers must
be utilized for the development of affordable housing. Construction,
rehabilitation, or emergency repairs must be completed either with one
year immediately proceeding the date of conveyance of title or within
24 months of the close of the applicable State fiscal year.
If property is sold to a for-profit developer, applications will be accepted
and awarded competitively using criteria including, but not limited to
The following:
. Financial strength of the agency
. Ability of developer to complete the development by the deadlines
established by the State
. Capacity of the developer
. Features of the proposed house(s)
. Marketing plan for the sale of the house( s)
. Whether or not the agency employs personnel from the WAGES
or Workforce Development program
. Whether the proposed housing is compatible with the neighborhood
in terms of design and size
. Affordability ofhouse(s) being built
b. Fiscal Years Covered: State fiscal years 2004/2005, 2005/2006 and
2006/2007.
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c. Income Categories to be served: Very-low, low-, and moderate-income
households as defined by the U.S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award is noted on the Housing Delivery Goals Charts:
The maximum purchase price for a "buildable lot of record" as defined
in the City's Land Development Regulations will be $40,000. The
maximum purchase price for aggregate lots or large tracts of lands
shall be determined by the appraised value at time of purchase.
Terms, Recapture and Default: The loan for the value of the land will
be at 0% interest. The loan will be recaptured when the property is
.sold.
f. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants must meet the same selection criteria
for recipient's under Strategy A: Purchase Assistance.
g. Sponsor Selection Criteria: Eligible sponsors must meet the following
selection criteria:
. designated 501(c)(3) non-profit organization under IRS guidelines;
. legally operating within the jurisdiction of the City of Delray Beach
and/or Palm Beach County;
. has demonstrated track record and production experience in the
construction and delivery of affordable housing;
. preference will be given to sponsors that employee personnel from
WAGES and Workforce Development Initiatives programs.
h. Additional Information:
D. Name of the Strategy: Disaster Relief
a. Summary of the Strategy: In the event of a natural disaster (as declared
by local, state, or federal government), SHIP funds will be used to
leverage available federal and state funds to provide assistance to income
eligible households for the purpose of repairing eligible housing.
Generally, such needs may include: purchase of emergency supplies
for eligible households to weatherproof damaged homes, interim
repairs to avoid further damage, tree and debris removal required to
make individual housing units habitable, and post disaster assistance
with non-insured repairs.
b. Fiscal Years Covered: State fiscal years 2004/2005,2005/2006 and
2006/2007.
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c. Income Categories to be served: Very-low, low- and moderate-income
households as defined by the U.S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed by
the Florida Housing Finance Corporation for use in the SHIP Program.
d. Maximum award as noted on the Housing Delivery Goals Charts: The
maximum award for this strategy is $8,000 per unit.
e. Terms, Recapture and Default: Assistance will be provided in the
form of a grant, so individual households will not be required to repay
funds used for disaster assistance. In the event that the City receives
reimbursement from federal or state sources, such repair funds will
be utilized in accordance with the approved Local Housing Assistance
Plan in effect at the time the funds are disbursed.
f. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants will be served on a first-come, first-served
basis, pending fund availability. Residence must be located within the
municipal boundaries of Delray Beach.
g. Sponsor Selection Criteria: Nt A.
Additional Information: This strategy will be implemented only in the
event of a natural disaster declaration using any SHIP funds that have
not been encumbered.
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
The City has in place a "One Stop Shop" permitting process for a co-
ordinated review and approval of all developmental applications submitted
through the Building Division. The system features a fully automated
application tracking software package that provides the opportunity to
readily identify delays in review time from various departments within
within the permit process. Applications submitted for affordable housing
projects will receive a label marking it as such and prioritized for review.
Applications received are processed by designated persons under the
approved expedited permitting process developed for this program.
B. Name of the Strategy: Ongoing Review Process
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An ongoing process which provides for a review and consideration
of local policies, ordinances, regulations and plan provisions that
increase the cost of housing prior to its adoption.
a. Established policy and procedures: Provide Description
The Planning and Zoning Department reviews all proposed new City
policies or changes to the LDR's to determine effects, if any, on the
cost of housing. If it is determined that there is an impact, an
analysis is prepared by appropriate department staff and submitted to
City Commission for review prior to its approval.
C. Name of the Strategy: Impact Fees Requirements
An on-going process to allow for the payment of Impact fees
associat~_d with new construction of affordable housing units.
a. Established policy and procedures: Provide Description
The City has been unsuccessful in petitioning the County to
waive impact fees associated with new construction of affordable
housing units. The County does provide an impact fee credit for
units built on a lot, which had a previous residential unit on the
site. The Community Development staff provides the research on
properties to identify these credits wherever possible. When no
credit is applicable, the City may use SHIP funds to pay the impact
fees.
D. Name of the Strategy: Waiver of Building Permit Fees
An ongoing process for reducing the cost of building or rehabilitating
affordable housing.
a. Established policy and procedures: Provide Description
The City has adopted a policy for the waiver of building, paving,
irrigation and plan review fees for affordable housing units. This has
generated a savings to the homeowner estimated at $1,200 in permit
fees per unit.
E. Name of the Strategy: Allowance of Increased Density Levels
An ongoing process to review zoning regulations for the purpose
of allowing increased density to encourage development of
affordable housing unit.
a. Established policy and procedures: Provide Description
The Housing Element of the City's Comprehensive Plan provide for
increases to density when it can be demonstrated that such increases
will lead to an affordable unit, provided that other policies of the
Comprehensive Plan are met. The Land Development Regulations
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allow for increased densities in planned unit development on a case-
by-case basis. This does not apply to in-fill housing and the lack of
large vacant parcels makes this incentive limited in its effect.
F. Name of the Strateg)': Reservation of Infrastructure Capacity
An ongoing process to provide for infrastructure improvements in
deteriorating neighborhoods
a. Established policy and procedures: Provide Description
Infrastructure facilities currently exist throughout the entire City. However,
where there are visible signs of deterioration, Comprehensive Plan policy
provides for prioritization in scheduling necessary improvements. As each
year's infrastructure improvement schedule is prepared, priority is given
to neighborhoods with concentrations of infrastructure deficiencies.
G. Name of the Strategy: Reduction of Parking and Set Back Requirements
An ongoing process to encourage development of affordable units by
allowing for reduced parking and set back requirements
a. Established policy and procedures: Provide Description
Current regulations require two parking spaces per dwelling unit
beyond required front yard set back in Single Family Zoning Districts.
as an incentive to affordable housing, one of the required parking
spaces may be located within the side set back within one foot of
the property line, provided the impervious area used for parking is
sloped to drain on the lot being developed. This incentive will provide
a cost reduction of approximately $800 per unit. The allowance of side
set back parking improves the appearance and traffic flow by reducing
haphazard street parking..
H. Name of the Strategy: Preparation of a printed inventory of locally owned
public lands suitable for affordable housing
An ongoing process to identify land suitable for development of
affordable housing
a. Established policy and procedures: Provide Description
The Planning Department has compiled a complete list of City owned
lands of 3 acres or more along with available single family lots. The
Community Redevelopment Agency maintains a list of vacant parcels,
which they own or have under contract suitable for in-fill residential
construction. These lists are made available to the public, private
developers and non-profit agencies.
Name of the Strategy: Reduction of Landscape Requirements
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-15 -
An ongoing process to encourage the development of affordable units
by allowing for a reduction of the City's landscape requirements
a. Established policy and procedures: Provide Description
The current requirements at Section 4.6.16(H) for Single Family Housing
is that 20% of all pervious lot area be planted in shrubs and ground
cover and the remaining 80% of the area be planted in turf. In support
of projects participating in the City's Affordable Housing Programs the
requirements of the landscape code are reduced to allow for only 10%
of the pervious single family lot area be planted in shrubs and ground
cover and that they be installed in the front and side setbacks. It is
estimated that $1,200 will be reduced from the cost of producing one unit.
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan. Exhibit A.
B. Timeline for Encumberance 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 ofthe
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). FA 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.
G. Ordinance: Section 420,9072(3)(a), F,S,
If changed from the original ordinance, a copy is attached as
Exhibit G.
H. Interlocal Agreement: Section 420,9072. F,S,
A copy of the Interlocal Agreement if applicable is attached as Exhibit H.
U:ArcbivelSHIP/LHAPS 2003-04 LHAP Forms dtd 9_ 03ILHAP Template 9_2003 #3dr _TB
-16 -
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
Fiscal Year 2004/2005
Salaries and Benefits
AudiUAccounting Fees
Operating Expenses for SHIP
Coordinator (i.e., travel & training,
phone, memberships, etc.
Advertising
$ 43,125.00
$ 990.00
$ 2,315.00
$ 426.00
$ 46,856.00
Fiscal Year 2005/2006
Salaries and Benefits
AudiUAccounting Fees
Operating Expenses for SHIP
Coordinator (i.e., travel & training,
phone, memberships, etc.
Advertising
$ 44,420.00
$ 990.00
$ 2,500.00
$ 426.00
$ 48,336.00
Fiscal Year 2006/2007
Salaries and Benefits
AudiUAccountin Fees
Operating Expenses for SHIP
Coordinator (i.e., travel & training,
phone, memberships, etc.
Advertising
$ 45,750.00
$ 990.00
$ 2,500.00
$ 426.00
$ 49,666.00
Administrative expenses in excess of the maximum ten
percent (10%) of SHIP allocation will be supplemented
by City general funds or other grant dollars. Budgeted
amounts based on 2004/2005 allocation of $465,857
Exhibit A
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t
Exhibit D
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government:
City of De Ira v Beach
(1) The local government will advertise the availability of SHIP funds pursuant to Florida
Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race, creed, religion, color, age, sex, familial or marital
status, handicap, or national origin.
(3) A process for selection of recipients for funds has been developed.
(4) The eligible municipality or county has developed a qualification system for applications for
awards.
(5) Recipients of funds will be required to contractually commit to program guidelines.
(6) The Florida Housing Finance Corporation will be notified promptly if the local
government (or interlocal entity) will be unable to comply with the provisions the plan.
(7) The Local Housing Assistance Plan shall provide for the expenditure of SHIP funds within
24 months following the end ofthe State fiscal year in which they are received.
(8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment to
the Local Government Comprehensive Plan will be initiated at the next available
opportunity to insure conformance with the Local Housing Assistance Plan.
(9) Amendments to the approved Local Housing Assistance Plan shall be provided to the
Corporation with in 21 days after adoption.
(10) The trust fund shall be established with a qualified depository for all SHIP funds as well
as moneys generated from activities such as interest earned on loans.
(11) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted
by law.
(12) The local housing assistance trust fund shall be separately stated as a special revenue fund in
the local governments audited financial statements, copies of the audits will be forwarded to
the Corporation as soon as available.
13) An interlocal entity shall have its local housing assistance trust fund separately audited
for each state fiscal year, and the audit forwarded to the Corporation as soon as possible.
1
October 2003
Exhibit D
Page 2
Certification
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) Developers receiving assistance from both SHIP and the Low Income Housing Tax
Credit (LIHTC) Program shall comply with the income, affordability and other LlHTC
requirements, Similarly, any units receiving assistance from other federal programs shall
comply with all Federal and SHIP program requirements.
(16) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to service eligible persons.
(17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least
annually for 15 years for compliance with tenant income requirements and affordability
requirements or as required in Section 420.9075 (3)(e)
(18) The Plan meets the requirements of Section 420-907-9079 FS, and Rule Chapter 67-37
FAC, and how each of those requirements shall be met.
(19) The provisions of Chapter 83-220, Laws of Florida _has or _ has not
been implemented.
Witness
Chief Elected Official or designee
Witness
leffPerlman. Mavor
Type Name and Title
Date
OR
Attest:
(Seal)
2
October 2003
Exhibit F
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
INFORMATION SHEET
LOCAL GOVERNMENT: City of Delray Beach
CHIEF ELECTED OFFICIAL (Mayor, ChaIrman, etc ):
ADDRESS: 100 NW 1st Avenue
Delray Beach. FL 33444
SHIP ADMINISTRATOR: Ferline Mesidort. Community Development Specialist
ADDRESS: 100 NW 1st Avenue
Delray Beach. FL 33444
Jeff Perlman. Mayor
TELEPHONE:(561) 243-7236 FAX:(561) 243-7221
EMAIL ADDRESS:mesidort@ci.delrav-beach.fl.us
ADDITIONAL SHIP CONTACTS: Kendra Graham. Community Development Administrator
ADDRESS: 100NW1stAvenue
Delrav Beach. FL 33444
EMAIL ADDRESS:graham(a).ci.delray-beach.fl.us
INTERLOCAL AGREEMENT: YES/NO (IF yes, list other participants in the inter-local agreement):
The following information must be furnished to the Corporation before any funds can be disbursed.
LOCAL GOVERNMENT EMPLOYER FEDERAL ID NUMBER:
MAIL DISBURSEMENT TO:
ADDRESS:
59-6000308
OR:IF YOUR FUNDS ARE ELECTRONICALL Y TRANSFERRED PLEASE COMPLETE THE A TT ACHED FORL\1:
o NO CHANGE FROM PREVIOUS ELECTRONIC FORM SUBMITTED.
Provide any additional updates the Corporation should be aware of III the space below:
Please return this form to: SHIP PROGRAM MANAGER, FHFC 227 N. BRONOUGH ST, STE 5000
TALLAHASSEE, FL 32301 Fax: (850) 922-7253
Agenda Item No.: '6 f-..
AGENDA REQUEST
Request to be placed on:
_ Regular Agenda
_ Special Agenda
_ Workshop Agenda
_ Consent Agenda
Date: September I, 2005
When: September 6, 2005
Description of item:
Authorization and approval of the amended Local Housing Assistance Plan (LHAP) under the
Renaissance Program for years 2004-2007.
ORDINANCE/RESOLUTION REQUIRED: YES/NO
Draft attached: YES/NO
Recommendation:
Staff recommends acceptance and approval of the amended LHAP
~/
'-fL./?_ , / (l'
Department Head Signature: ~ / ~ ---
t/ " /
City Attorney ReviewlRecommendation (if applicable):
Budget Director Review (required on all items involving expenditure of funds):
Funding Available: YES/NO
Funding Alternatives:
Account No. & Description:
Account Balance:
(if applicable)
City Manager Review:
Approved for Agenda:
Hold Until:
@/NO ~1
Agenda Coordinator Review:
Received:
Placed on Agenda: