Res 67-05
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RESOLUTION NO. 67-05
A RESOLUTION OF THE CI1Y COMMISSION OF THE CI1Y OF DELRA Y
BEACH, FLORIDA, ADOPTING THE HURRICANE HOUSING
ASSISTANCE PLAN PURSUANT TO THE STATE HOUSING INITIATIVES
PARTNERSHIP (SHIP) PROGRAM AS ATIACHED HERETO;
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, to implement the February 2005 recommendations
of the Governor's Hurricane Housing Work Group, has created the Hurricane Housing Recovery
(HHR) program and appropriated one-time hurricane housmg recovery funds to provide funds to
assist those areas of the state with the greatest housing damage from the hurricanes suffered by the
State of Florida during 2004; and
I WHEREAS, this funding has been made available to eligible entities through the
State Housing Initiatives Partnership (SHIP) Program for households with incomes up to 120
percent of the Area Median Income; and
WHEREAS, an eligible county or eligible municipality must submit its Hurricane
Housing Assistance Plan to and receive approval from the Florida Housing Finance Corporation;
and
I WHEREAS, the effective period of the hurricane housing assistance plan is three
years plus a one year extension may be granted upon approval by the Board of Directors of the
Florida Housing Finance Corporation.
NOW, THEREFORE, BE IT RESOLVED BY THE CI1Y COMMISSION OF
THE CI1Y OF DELRA Y BEACH, FLORIDA, AS FOLLOWS:
Section 1. The City Commission of the City of Delray Beach, Florida, hereby
approves the City of Delray Beach's 2005-2008 Hurricane Housing Assistance Plan as prepared for
submission to the Florida Housing Fmance Corporation.
Section 2. That the City of Delray Beach is authorized to submit the Hurricane
Housing Assistance Plan to the Florida Housing Finance Corporation for its review and approval.
( " /\
Section 3. That the Mayor is authorized to execute any document and certifications
required as a part of the Hurricane Housing Assistance Plan on behalf of the City of Delray Beach.
Section 4. 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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ATIEST:
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City Clerk
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I
2 Resolution No. 67-05
CITY OF DELRAY BEACH
HURRICANE HOUSING RECOVERY (HHR)
HOUSING ASSISTANCE PLAN
Fiscal Years Covered
200512006, 2006/2007 and 2007/2008
I. PROGRAM DESCRIPTION
A. Name of County: Palm Beach County
Base Allocation Request: $1,000,000
Extremely Low Income Request:
Community Planning Request:
Name of participating local govemment(s) or other agencies in the Community
Planning Strategy
II. HHRP HOUSING STRATEGIES
NOTE: Strate1!ies which are alreadv bein1! used under the SHIP or01!ram as well as new strate1!ies should be listed
in this section.
Provide Description:
A. Name of the Strategy: Purchase Assistance
a. Summary of the Strategy: This strategy assists eligible first-time homebuyers
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 2005/2006, 200612007 and 2007/2008.
c. Income Categories to be served: Very-low, low-, and moderate-income
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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 Hurricane Housing Goals Chart: The
maximum award level varies by income category as shown below:
Income Number of Persons in Household
Category 1 2 3 4 or more
o - 50%
(Very Low) 44,500 48,000 51,500 55,000
51-65%
(Low) 41,500 44,500 47,500 51,000
65% - 80%
(Low) 38,500 41,000 43,500 46,000
81% -100%
(Moderate) 34,500 36,500 38,500 41,000
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. Tenns, Recapture and Default: Assistance will be provided to eligible
households in the fonn 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 fonn 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
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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 the 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 accördance 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 ofthe 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
months 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)
· 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
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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, if applicable: 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:
· possess a partnership agreement with the City of Delray 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 Infonnation: 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 to rehabilitate
existing owner-occupied single family units. Rehabilitation ofunits will address
interior and exterior building/electrical/plumbing 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 200512006, 200612007 and 200712008
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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 (RUD) 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 Hurricane Housing Goals Chart: 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 ofloan
award will occur at a rate specific to the duration ofthe note. Repayment ofthe
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 (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. If no
"qualifying event(s)" occur prior to the expiration ofthe note, the loan is totally
forgiven. In the event the homeowner wishes to refinance his or her first
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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
g. Sponsor Selection Criteria, if applicable: 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 ofthe 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 ofthe 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-in one year immediately proceeding the date of
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conveyance oftitle or within 24 months of the close ofthe 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 Initiatives program
· Whether the proposed housing is compatible with the neighborhood in
tenns of design and size
· Affordability ofhouse(s) being built
b. Fiscal Years Covered: State fiscal years 200512006, 200612007 and 200712008.
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 COIporation for use in the SHIP Program.
d. Maximum award as noted on the Hurricane Housing Goals Chart: 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 detennined by the appraised
value at time of purchase.
eo Tenns, 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 recipients under
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Strategy A: Purchase Assistance.
g. Sponsor Selection Criteria, if applicable: Eligible sponsors must meet the
following selection criteria:
· designated 50 I (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 experiences in the
construction and delivery of affordable housing;
· preference will be given to sponsors that employee personnel from
W AGES 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:
payment of insurance deductibles for rehabilitation of homes covered under
homeowners insurance policies, 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 200512006, 2006/2007 and 200712008.
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 Hurricane Housing Goals Chart: The
maximum award for this strategy is $8,000 per unit.
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e. Tenus, 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, if applicable: N/ A
h. Additional Infonuation: This strategy will be implemented only in the event of a
natural disaster declaration using any SHIP funds that have not been
encumbered.
E. Name of the Strategy: Senior Rental Housing Development Program
a. Summary of the Strategy: This strategy is designed to provide financial
assistance to eligible sponsor organizations with a 0% interest, deferred payment
loan for the production of affordable, senior, rental housing in the City's
established CDBG target area for very low- and low-income elderly persons and
households. SHIP funds may be used for acquisition, construction,
rehabilitation, and professional fees, including, but not limited to: engineering
fees, architectural fees, and surveying fees. SHIP funds may not be used to pay
rental subsidies.
b. Fiscal Years Covered: State fiscal year 2005/2006 and 2006/2007.
c. Income Categories to be served: Eligible sponsors will be contractually required
to make units available to persons certified to be very low- and low-income.
Sponsor(s) will be required (at a minimum) to allocate 30% of SHIP funds for
very-low income seniors and an additional 30% of SHIP funds to low-income
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seniors and provide such certification as required by program guidelines.
d. Maximum award as noted on the Hurricane Housing Goals Chart: The
maximum award provided under this strategy for senior housing will be limited
to Thirty-eight Thousand Five Hundred Seventy Dollars ($38,570) per unit.
e. Tenus. Recapture and Default: All rental housing must be rented at affordable
rates (i.e. rents will not exceed those limits adjusted for number of bedrooms
published by HUD and distributed by the Florida Housing Finance Corporation)
to qualified occupants for a period of 15 years. Assistance will be provided as a
deferred payment loans with zero (0%) interest subject to the fifteen-year
affordability period and will be forgiven at the expiration of that tenu. If the
property is transferred before the fifteen-year affordability period, the sponsor
agency must return the funds to the City for deposit in the Local Housing
Assistance Trust Funds, in accordance with SHIP program guidelines established
under 420.9075(5) Florida Statutes. All SHIP assisted rental properties offered
for sale prior to 15 years or the term of assistance, whichever is longer, must be
subject to a right of first refusal for purchase to another eligible non-profit
sponsor organization who would provide continued occupancy by eligible
persons. An annual report of tenants and income certification is required for the
15 year period.
f. Recipient Selection Criteria: Participation in assisted senior housing will be
provided on a first come, first served basis to applicants who are demonstrated to
be income eligible. Applicants who have met the initial financial assessment,
are 60 years or age or older, and are income eligible will be housed as units
become available.
g. Sponsor Selection Criteria, if applicable: Applications ftom
developers/applicants will be awarded competitively using criteria including, but
not limited to, the following:
. designated 501(c)(3) non-profit organization under IRS
guidelines;
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· 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;
· possess a partnership agreement with the City of Delray Beach
to participate and further its goals in the delivery of
affordable housing to the City's very low- and low-income
households;
· preference will be given to sponsors that employee personnel
from WAGES and Workforce Development Initiatives
programs.
h. Additional Infonnation: The SHIP funds may leverage other Federal, State,
and/or local housing programs.
F. Name of the Strategy: SHIP Homeownership Development Program
a. Summary of the Strategy: This strategy is designed to promote and create
affordable homeownership opportunities for very low-, low- and moderate-
income families and individuals by providing a grant to eligible sponsor
organizations based on the economic feasibility and affordability of the housing
project(s) to be assisted with SHIP funds. SHIP program funds maybe used by
eligible sponsor organizations or the City for any development activity including
acquisition, demolition, and construction costs associated with the development
of affordable housing units in the City's established CDBG target area.
b. Fiscal Years Covered: State fiscal year 2005/2006, 2006/2007 and 200712008.
c. Income Categories to be served: Very-low, low-, and moderate-income
households or individuals 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.
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d. Maximum award as noted on the Hurricane Housing Goals Chart: The
maximum award provided under this strategy will be limited to Fifty-one
Thousand Dollars ($51,000) per unit.
e. Terms, Recapture and Default: Financial assistance made to the eligible
sponsor organization will be provided in the form of a 0% interest, deferred
payment loan secured with a second mortgage/promissory note which will be
satisfied upon completion ofthe construction 'phase and all housing units have
been marketed and occupied by eligible homebuyers. All units assisted with
SHIP funds will be secured with a second mortgage / promissory note and will
be forgiven on a pro-rated basis based on the same criteria as described in the
Purchase Assistance Strategy as previously outlined in this Plan. Repayment of
the full loan award will be immediately due to the City in the event any
"qualifying event(s)" occur prior to the 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 criteria:
· must have a bank account
· applicant must have an accepted contract for a home and have applied
for a first mortgage with a lender
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. 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, if applicable: Applications from
developers/applicants will be awarded competitively using criteria including, but
not limited to, the following:
. 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:
· possess a partnership agreement with the City of Delray 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 Infonnation: The SHIP funds may leverage other Federal, State,
and/or local housing programs.
F. Name of the Strategy: Owner-Occupied Housing Hurricane Shutter Purchase
a. Summary of the Strategy: This strategy is designed to provide financial
assistance to very-low and low-income elderly homeowners for the purchase and
installation of hurricane shutters to reduce or eliminate the exposure of people's
lives or property to hann from a natural disaster. It is assumed that no private
lender monies will be involved in this strategy.
b. Fiscal Years Covered: State fiscal years 2005/2006, 2006/2007 and 200712008.
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c. Income Categories to be served: Very low-, and low-income elderly households
as defined by the U. S. Department of Housing and Urban Development (ROO)
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 Hurricane Housing Goals Chart: The
maximum award for this strategy is $5,000. However, the maximum is not
automatically provided on an individual basis; rather, the grant amount awarded
will be the minimum amount necessary to purchase and install hurricane shutters
as approved by the City's building code.
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
owner -occupied housing hurricane shutter purchase 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: Applicants will be certified as very-low or low-
income to be deemed eligible and will be served on a first-come, first-served
basis.
g. Sponsor Selection Criteria, if applicable: Nt A
h. Additional Information: SHIP funds for this strategy will be leveraged with
III. Extremely Low Income Strategy: Nt A
a. Summary of the Strategy:
b. Fiscal Years Covered:
c. Maximum award as noted on the Hurricane Housing Goals Chart:
d. Terms, Recapture and Default:
e. Recipient Selection Criteria:
f. Sponsor Selection Criteria, if applicable:
g. Additional Information:
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IV. Community Planning Strategy: N/ A
a. Summary of the Strategy:
b. Fiscal Years Covered:
c. Maximum award as noted on the Hurricane Housing Goals Chart:
d. Terms, Recapture and Default:
e. Recipient Selection Criteria:
f. Sponsor Selection Criteria, if applicable:
g. Additiona! .Information:
V. Administrative Budget:
a. Provide a brief administrative summary of expenses:
No HHR funds will be allocated for administrative expenses.
b. Up to 15°;'0 of the allocation may be used for administrative expenses
relating to direct program administration. Provide information below:
Fiscal Year
Salaries and Benefits
Office Su lies and E ment
Travel Worksho s, etc
Advertisin
Other AuditlAccountin
VI. Explain any issues outstanding for compliance or non-compliance with the State
Housing Initiatives Partnership (SHIP) Program:
VII. EXHIBITS:
A Timeline for Encumbrance and Expenditure
B Hurricane Housing Goals Chart (HHGC) For Each Fiscal Year
Covered
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C. Certification Page
D. Program Information Sheet
E. Community Planning Documentation:
Letters, resolutions detailing the community planning agreement, or interlocal
agreement
F. Adopting Resolution - original signed, dated, witnessed or attested adopting
resolution
-17 -
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CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government: City of Delray Beach
(1) The local government will advertise the availability of funds pursuant to Florida Statutes.
(2) 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 program provisions.
(7) The Hurricane Housing Assistance Plan shall provide for the expenditure of funds within
24 months following the end of the State fiscal year in which they are received.
(8) The HHR program trust fund shall be established with a qualified depository for all
program funds as well as moneys generated from activities such as interest earned on
loans.
(9) Amounts on deposit in the hurricane housing assistance trust fund shall be invested as
permitted by law.
(10) The HHR program trust fund shall be separately stated as a special revenue fund in the
local governments audited financial statements, copies of the audit will be forwarded to
the Corporation no later than June 30th of the following fiscal year.
(11) An interlocal entity shall have its hurricane housing assistance trust fund separately
audited for each state fiscal year, and the audit forwarded to the Corporation as noted
above.
(12) Developers receiving assistance from both HHRP, 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 program requirements.
I Hurricane Housing Recovery Housing Assistance Plan
(13) 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.
(14) Rental units constructed or rehabilitated with HHR program funds shall be monitored for the tenn of the
HHR program for compliance with tenant income requirements and affordability requirements or as
required in Section 420.9075 (3)(e), F.S.
Witness Chief Elected Official or designee
Jeff Perlman. Mayor
Witness Type Name and Title
Date
OR
Attest:
(Seal)
2 Hurricane Housing Recovery Housing Assistance Plan
Hurricane Housing Recovery Program Plan
INFORMATION SHEET
LOCAL GOVERNMENT: City of Delray Beach
CHIEF ELECTED OFFICIAL (Mayor, Chainnan, etc.): Jeff Perlman, Mayor
ADDRESS: 100 NW 1st Avenue
Delray Beach, FL 33444
PROGRAM ADMINISTRATOR Kendra Graham, C. D. Administrator
ADDRESS: 100 NW 1st Avenue
Delray Beach, FL 33444
TELEPHONE:(56l) 243-7280 FAX:€>6¡) 243-7221
EMAIL ADDRESS: graham@ci.delray-beach.fl.us
ADDITIONAL CONTACTS: Ferline Mesidort. C. D. Specialist
ADDRESS: 100 NW 1st Avenue
Delray Beach, FL 33444
EMAIL ADDRESS: mesidort@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: 59-6000308
MAIL DISBURSEMENT TO:
ADDRESS:
OR:IF YOUR FUNDS ARE ELECTRONICALLY TRANSFERRED PLEASE COMPLETE THE ATTACHED FORM:
00 NO CHANGE FROM PREVIOUS ELECTRONIC FORM SUBMITIED.
Provide any additional updates the Corporation should be aware of in the space below:
Please return this form to: HHRP PROGRAM MANAGER, FHFC 227 N. BRONOUGH ST, STE 5000
TALLAHASSEE, FL 32301 Fax: (850) 488-9809
ô;{
t01
MEMORANDUM
TO: David Harden, City Manager
FROM: Lula Butler, Community Improvement Director 'J!J
THRU: Kendra W. Graham, Commnnity Development Administrator ~
DATE: September I, 2005
SUBJECT: Approval of Resolution #67-05 Adopting the State Housing Initiatives
Partnership (SHIP) Hurricane Housing Assistance Plan for Fiscal Years
2005/2006,2006/2007, and 2007/2008
ITEM BEFORE THE COMMISSION
City Commission authorization and approval of the City's State Housing Initiatives Partnership (SHIP)
Program, Hurricane Housing Assistance Plan for Fiscal Years 2005-2008 by adopting Resolution #67-05
pursuant to Title 67-37 of the Florida Administrative Code.
BACKGROUND
Florida experienced the destructive impact of four hurricanes in 2004. The hurricanes created both short-
term and long-term housing needs for Floridians. To implement the February 2005 recommendations of
the Governor's Hurricane Housing Work Group, the Hurricane Housing Recovery program (HHR) was
created for the purpose of providing funds to assist those areas of the state with the greatest housing
damage from the hurricane. The Florida Legislature appropriated one-time hurricane housing recovery
funds which are available through the State Housing Initiatives Partnership (SHIP) program administered
by the Florida Housing Finance Corporation (FHFC).
To receive HHR program funding, an eligible county or eligible municipality must submit its Hurricane
Housing Assistance Plan to and receive approval from the FHFC. The FHFC has urged all affected
county governments to work with eligible municipalities in their area to apply for these funds.
Community Development staff has worked closely with the Palm Beach County Housing and Community
Development Department to ensure that the City of Delray Beach receives a fair share of the HHR funds.
Of the $6,401,838 base allocations set aside for Palm Beach County, the City will receive $1,000,000. In
addition, staff has collaborated with the Community Redevelopment Agency and the Delray Beach
Housing Authority to develop strategies and to leverage dollars and resources to identIfy projects that will
best serve the housing needs of the very low-, low- and moderate-income households in the City of
Delray Beach.
RECOMMENDATION
Staff recommends approval of the Hurricane Housing Assistance Plan for Fiscal Years 2005/2006,
2006/2007 and 2007/2008 by adoption of Resolution #67-05.
~S
RESOLUTION NO. 67-05
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF
DELRAY BEACH, FLORIDA, ADOPTING THE HURRICANE
HOUSING ASSISTANCE PLAN PURSUANT TO THE STATE
HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM AS
ATTACHED HERETO; 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
APPROV AL.
WHEREAS, the State of Florida, to implement the February 2005
recommendations of the Governor's Hurricane Housing Work Group, has created the Hurricane
Housing Recovery (HHR) program and appropriated one-time hurricane housing recovery funds
to provide funds to assist those areas of the state with the greatest housing damage from the
hurricanes suffered by the State of Florida during 2004; and
WHEREAS, this funding has been made available to eligible entities through the
State Housing Initiatives Partnership (SHIP) Program for households with incomes up to 120
percent of the Area Median Income; and
WHEREAS, an eligible county or eligible municipality must submit its Hurricane
Housing Assistance Plan to and receive approval from the Florida Housing Finance Corporation;
and
WHEREAS, the effective period of the hurricane housing assistance plan is three
years plus a one year extension may be granted upon approval by the Board of Directors of the
Florida Housing Finance Corporation.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF
THE CITY OF DELRA Y BEACH, FLORIDA, AS FOLLOWS:
Section I. The City Commission of the City of Delray Beach, Florida, hereby
approves the City of Delray Beach's 2005-2008 Hurricane Housing Assistance Plan as prepared
for submission to the Florida Housing Finance Corporation.
Section 2. That the City of Delray Beach is authorized to submit the Hurricane
Housing Assistance Plan to the Florida Housing Finance Corporation for its review and approval.
Section 3. That the Mayor is authorized to execute any document and
certifications required as a part of the Hurricane Housing Assistance Plan on behalf of the City of
Delray Beach.
Section 4. 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
ATTEST:
City Clerk
Res. No. 67-05
·
CITY OF DELRAY BEACH
HURRICANE HOUSING RECOVERY (HHR)
HOUSING ASSISTANCE PLAN
Fiscal Years Covered
2005/2006, 2006/2007 and 2007/2008
I. PROGRAM DESCRIPTION
A. Name of County: Palm Beach County
Base Allocation Request: $1,000,000
Extremely Low Income Request:
Community Planning Request:
Name of participating local government(s) or other agencies in the Community
Planning Strategy
II. HHRP HOUSING STRATEGIES
NOTE: Strateeies which are alread.' beine used under the SHIP proeram as well as new strateeies should be listed
in this section.
Provide Description:
A. Name of the Strategy: Purchase Assistance
a. Summary of the Strategy: This strategy assists eligible first-time homebuyers
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 2005/2006, 2006/2007 and 2007/2008.
c. Income Categories to be served: Very-low, low-, and moderate-income
-2-
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 Hurricane Housing Goals Chart: The
maximum award level varies by income category as shown below:
Income Number of Persons in Household
Category 1 2 3 4 or more
o - 50%
(Very Low) 44,500 48,000 51,500 55,000
51 - 65%
(Low) 41,500 44,500 47,500 51,000
65% - 80%
(Low) 38,500 41,000 43,500 46,000
81% - 100%
(Moderate) 34,500 36,500 38,500 41,000
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. Tenns, Recapture and Default: Assistance will be provided to eligible
households in the fonn 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 fonn 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
-3-
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 the 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 accördance 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 ofthe 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
months 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)
· 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
-4-
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. if applicable: Eligible sponsors must meet the
following selection criteria:
· designated 50 I (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:
· possess a partnership agreement with the City of Delray 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 constmcted 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 to rehabilitate
existing owner-occupied single family units. Rehabilitation ofunits will address
interior and exterior building/electrical/plumbing 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 2005/2006, 2006/2007 and 2007/2008
-5-
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 Hurricane Housing Goals Chart: 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 ofloan
award will occur at a rate specific to the duration ofthe 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 (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. If no
"qualifying event(s)" occur prior to the expiration ofthe note, the loan is totally
forgiven. In the event the homeowner wishes to refinance his or her first
-6-
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
g. Sponsor Selection Criteria, if applicable: N/ A. No sponsors are utilized for the
Owner-Occupied Rehabilitation program.
h. Additional Infonnation: The home must be located in the City's municipal
boundaries; the appraised value ofthe 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-in one year immediately proceeding the date of
-7-
conveyance oftitle 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 Initiatives 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 2005/2006, 2006/2007 and 200712008.
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 Hurricane Housing Goals Chart: 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.
e. Terms, Recapture and Default: The loan for the value ofthe 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 recipients under
-8-
Strategy A: Purchase Assistance.
g. Sponsor Selection Criteria, if applicable: Eligible sponsors must meet the
following selection cnteria:
· designated 50 I (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 experiences in the
construction and delivery of affordable housing;
· preference will be given to sponsors that employee personnel from
W AGES and Workforce Development Initiatives programs.
h. Additional Infonnation:
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:
payment of insurance deductibles for rehabilitation of homes covered under
homeowners insurance policies, 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 2005/2006, 2006/2007 and 2007/2008.
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 (RUD) 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 Hurricane Housing Goals Chart: The
maximum award for this strategy is $8,000 per unit.
-9-
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.
( 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, if applicable: N/ A
h. 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.
E. Name of the Strategy: Senior Rental Housing Development Program
a. Summary of the Strategy: This strategy is designed to provide financial
assistance to eligible sponsor organizations with a 0% interest, deferred payment
loan for the production of affordable, senior, rental housing in the City's
established CDBG target area for very low- and low-income elderly persons and
households. SHIP funds may be used for acquisition, construction,
rehabilitation, and professional fees, including, but not limited to: engineering
fees, architectural fees, and surveying fees. SHIP funds may not be used to pay
rental subsidies.
b. Fiscal Years Covered: State fiscal year 2005/2006 and 200612007.
c. Income Categories to be served: Eligible sponsors will be contractually required
to make units available to persons certified to be very low- and low-income.
Sponsor(s) will be required (at a minimum) to allocate 30% of SHIP funds for
very-low income seniors and an additional 30% of SHIP funds to low-income
- 10-
seniors and provide such certification as required by program guidelines.
d. Maximum award as noted on the Hurricane Housing Goals Chart: The
maximum award provided under this strategy for senior housing will be limited
to Thirty-eight Thousand Five Hundred Seventy Dollars ($38,570) per unit.
e. Tenns, Recapture and Default: All rental housing must be rented at affordable
rates (i.e. rents will not exceed those limits adjusted for number of bedrooms
published by HOO and distributed by the Florida Housing Finance Corporation)
to qualified occupants for a period of 15 years. Assistance will be provided as a
deferred payment loans with zero (0%) interest subject to the fifteen-year
affordability period and will be forgiven at the expiration of that tenn. If the
property is transferred before the fifteen-year affordability period, the sponsor
agency must return the funds to the City for deposit in the Local Housing
Assistance Trust Funds, in accordance with SHIP program guidelines established
under 420.9075(5) Florida Statutes. All SHIP assisted rental properties offered
for sale prior to 15 years or the tenn of assistance, whichever is longer, must be
subject to a right of first refusal for purchase to another eligible non-profit
sponsor organization who would provide continued occupancy by eligible
persons. An annual report oftenants and income certification is required for the
15 year period.
f. Recipient Selection Criteria: Participation in assisted senior housing will be
provided on a first come, first served basis to applicants who are demonstrated to
be income eligible. Applicants who have met the initial financial assessment,
are 60 years or age or older, and are income eligible will be housed as units
become available.
g. Sponsor Selection Criteria, if applicable: Applications from
developers/applicants will be awarded competitively using criteria including, but
not limited to, the following:
. designated 501(c)(3) non-profit organization under IRS
guidelines;
-11-
· 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;
· possess a partnership agreement with the City of Delray Beach
to participate and further its goals in the delivery of
affordable housing to the City's very low- and low-income
households;
· preference will be given to sponsors that employee personnel
from WAGES and Workforce Development Initiatives
programs.
h. Additional Information: The SHIP funds may leverage other Federal, State,
and/or local housing programs.
F. Name of the Strategy: SHIP Homeownership Development Program
a. Summary of the Strategy: This strategy is designed to promote and create
affordable homeownership opportunities for very low-, low- and moderate-
income families and individuals by providing a grant to eligible sponsor
organizations based on the economic feasibility and affordability ofthe housing
project( s) to be assisted with SHIP funds. SHIP program funds may be used by
eligible sponsor organizations or the City for any development activity including
acquisition, demolition, and construction costs associated with the development
of affordable housing units in the City's established CDBG target area.
b. Fiscal Years Covered: State fiscal year 2005/2006, 2006/2007 and 2007/2008.
c. Income Categories to be served: Very-low, low-, and moderate-income
households or individuals 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.
-12 -
d. Maximum award as noted on the Hurricane Housing Goals Chart: The
maximum award provided under this strategy will be limited to Fifty-one
Thousand Dollars ($51,000) per unit.
e. Tenns, Recapture and Default: Financial assistance made to the eligible
sponsor organization will be provided in the fonn of a 0% interest, deferred
payment loan secured with a second mortgage/promissory note which will be
satisfied upon completion of the construction 'phase and all housing units have
been marketed and occupied by eligible homebuyers. All units assisted with
SHIP funds will be secured with a second mortgage / promissory note and will
be forgiven on a pro-rated basis based on the same criteria as described in the
Purchase Assistance Strategy as previously outlined in this Plan. Repayment of
the full loan award will be immediately due to the City in the event any
"qualifying event(s)" occur prior to the 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 criteria:
· must have a bank account
· applicant must have an accepted contract for a home and have applied
for a first mortgage with a lender
-13 -
. 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, if applicable: Applications from
developers/applicants will be awarded competitively using criteria including, but
not limited to, the following:
. 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:
· possess a partnership agreement with the City of Delray 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: The SHIP funds may leverage other Federal, State,
and/or local housing programs.
F. Name of the Strategy: Owner-Occupied Housing Hurricane Shutter Purchase
a. Summary of the Strategy: This strategy is designed to provide financial
assistance to very-low and low-income elderly homeowners for the purchase and
installation of hurricane shutters to reduce or eliminate the exposure of people's
lives or property to harm from a natural disaster. It is assumed that no private
lender monies will be involved in this strategy.
b. Fiscal Years Covered: State fiscal years 2005/2006,2006/2007 and 2007/2008.
-14 -
c. Income Categories to be served: Very low-, and low-income elderly 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 Hurricane Housing Goals Chart: The
maximum award for this strategy is $5,000. However, the maximum is not
automatically provided on an individual basis; rather, the grant amount awarded
will be the minimum amount necessary to purchase and install hurricane shutters
as approved by the City's building code.
e. T enns. 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
owner-occupied housing hurricane shutter purchase 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: Applicants will be certified as very-low or low-
income to be deemed eligible and will be served on a first-come, first-served
basis.
g. Sponsor Selection Criteria, if applicable: N/ A
h. Additional Information: SHIP funds for this strategy will be leveraged with
III. Extremely Low Income Strategy: Nt A
a. Summary of the Strategy:
b. Fiscal Years Covered:
c. Maximum award as noted on the Hurricane Housing Goals Chart:
d. Terms, Recapture and Default:
e. Recipient Selection Criteria:
f. Sponsor Selection Criteria, if applicable:
g. Additional Information:
-15 -
IV. Community Planning Strategy: N/ A
a. Summary of the Strategy:
b. Fiscal Years Covered:
c. Maximum award as noted on the Hurricane Housing Goals Chart:
d. Tenns, Recapture and Default:
e. Recipient Selection Criteria:
f. Sponsor Selection Criteria, if applicable:
g. Additiona~ Jnfonnation:
V. Administrative Budget:
a. Provide a brief administrative summary of expenses:
No HHR funds will be allocated for administrative expenses.
b. Up to 15% of the allocation may be used for administrative expenses
relating to direct program administration. Provide information below:
VI. Explain any issues outstanding for compliance or non-compliance with the State
Housing Initiatives Partnership (SHIP) Program:
VII. EXHIBITS:
A Timeline for Encumbrance and Expenditure
B Hurricane Housing Goals Chart (HHGC) For Each Fiscal Year
Covered
- 16-
C. Certification Page
D. Program Information Sheet
E. Community Planning Documentation:
Letters, resolutions detailing the community planning agreement, or interlocal
agreement
F. Adopting Resolution - original signed, dated, witnessed or attested adopting
resolution
-17 -
------
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CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government: City of Delray Beach
(1) The local government will advertise the availability of funds pursuant to Florida Statutes.
(2) 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 program provisions.
(7) The Hurricane Housing Assistance Plan shall provide for the expenditure of funds within
24 months following the end of the State fiscal year in which they are received.
(8) The HHR program trust fund shall be established with a qualified depository for all
program funds as well as moneys generated from activities such as interest earned on
loans.
(9) Amounts on deposit in the hurricane housing assistance trust fund shall be invested as
pennitted by law.
(10) The HHR program trust fund shall be separately stated as a special revenue fund in the
local governments audited financial statements, copies of the audit will be forwarded to
the Corporation no later than June 30th of the following fiscal year.
(11) An interlocal entity shall have its hurricane housing assistance trust fund separately
audited for each state fiscal year, and the audit forwarded to the Corporation as noted
above.
(12) Developers receiving assistance from both HHRP, 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 program requirements.
I Hurricane Housing Recovery Housing Assistance Plan
(13) 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.
(14) Rental units constructed or rehabilitated with HHR program funds shall be monitored for the term of the
HHR program for compliance with tenant income requirements and affordability requirements or as
required in Section 420.9075 (3)(e), F.S.
Witness Chief Elected Official or designee
Jeff Perlman. Mayor
Witness Type Name and Title
Date
OR
Attest:
(Seal)
2 Hurricane Housing Recovery Housing Assistance Plan
Hurricane Housing Recovery Program Plan
INFORMATION SHEET
LOCAL GOVERNMENT: City of Delray Beach
CHIEF ELECTED OFFICIAL (Mayor. Chairman, etc.): Jeff Perlman, Mayor
ADDRESS: 100 NW 1st Avenue
Delray Beach, FL 33444
PROGRAl\' ADMINISTRATOR Kendra Graham. C. D. Administrator
ADDRESS: 100 NW 1st Avenue
Delray Beach, FL 33444
TELEPHONE:(56l) 243-7280 FAX:(')6Ü 243-7221
EMAIL ADDRESS: graham@ci.delray-beach.fl.us
ADDITIONAL CONTACTS: Ferline Mesidort. C. D. Specialist
ADDRESS: 100 NW 1st Avenue
Delray Beach, FL 33444
EMAIL ADDRESS: mesidort@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: 59-6000308
MAIL DISBURSEMENT TO:
ADDRESS:
OR:IF YOUR FUNDS ARE ELECTRONICALLY TRANSFERRED PLEASE COMPLETE THE ATTACHED FORM:
!Xi NO CHANGE FROM PREVIOUS ELECTRONIC FORM SUBMITTED.
Provide any additional updates the Corporation should be aware of in the space below:
Please return this form to: HHRP PROGRAM MANAGER, FHFC 227 N. BRONOUGH ST, STE 5000
TALLAHASSEE, FL 32301 Fax: (850) 488-9809
· ~S
Agenda Item No.:
AGENDA REQUEST
Request to be placed on: Date: September 1,2005
_ Regular Agenda
_ Special Agenda
_ Workshop Agenda
_ Consent Agenda When: September 6, 2005
Description of item:
Authorization and approval of the Hurricane Housing Assistance Plan (HHAP) for fiscal years
2005-2008.
ORDINANCE/RESOLUTION REQUIRED: YES/NO Draft attached: YES/NO
Recommendation:
Staff recommends acceptance and approval of the HHAP.
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: (if applicable)
Account No. & Description:
Account Balance:
City Manager Review: @/NO fí1
Approved for Agenda:
Hold Until:
Agenda Coordinator Review:
Received:
Placed on Agenda:
- -- -- -----