Res 28-07
RESOLUTION NO. 28-07
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF DELRAY
BEACH, FLORIDA, APPROVING THE LOCAL HOUSING ASSISTANCE
PLAN AS REQUIRED BY THE STATE HOUSING INITIATIVES
PARTNERSHIP PROGRAM ACT, SUBSECTIONS 420.907-420.9079, FLORIDA
STATUTES; AND RULE CHAPTER 67-37, FLORIDA ADMINISTRATIVE
CODE; AUTHORIZING AND DIRECTING THE MAYOR TO EXECUTE
ANY NECESSARY DOCUMENTS AND CERTIFICATIONS NEEDED BY
THE STATE; AUTHORIZING THE SUBMISSION OF THE LOCAL
HOUSING ASSISTANCE PLAN FOR REVIEW AND APPROVAL BY THE
FLORIDA HOUSING FINANCE CORPORATION; AND PROVIDING AN
EFFECTNE DATE.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing Act,
Chapter 92-317 of Florida Sessions Laws, allocating a portion of documentary stamp taxes on deeds
to local governments for the development and maintenance of affordable housing; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, ss. 420.907-420.9079,
Florida Statutes (1992), and Rule Chapter 67-37, Florida Administrative Code, requires local
governments to develop aone- to three-year Local Housing Assistance Plan outlining how funds
will be used; and
WHEREAS, the SHIP Act requires local governments to establish the maximum SHIP
funds allowable for each strategy; and
WHEREAS, the SHIP Act further requires local governments to establish an average area
purchase price for new and existing housing benefiting from awards made pursuant to the Act; the
methodology and purchase prices used are defined in the attached Local Housing Assistance Plan;
and
WHEREAS, as required by Section 420.9075, F.S., and Chapter 67-37 F.A.C., it is found
that five percent (5%) of the local housing distribution plus five percent (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 ten percent (10%) of the local housing
distribution plus five percent (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 Three Hundred Fifty Thousand Dollars ($350,000) may use up to ten percent
(10%) of program income for administrative costs; and
WHEREAS, the City has prepared athree-year Local Housing Assistance Plan for
submission to the Florida Housing Finance Corporation; and
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WHEREAS, the City Commission finds that it is in the best interest of the public for the
City of Dekay Beach to submit the Local Housing Assistance Plan for review and approval so as to
qualify for said documentary stamp tax funds; and
NOW THEREFORE BE IT RESOLVED BY THE CITY COMMISSION OF THE
CITY OF DELRAY BEACH FLORIDA AS FOLLOWS:
Section 1. The City Commission of the City of Delray Beach hereby approves the Local
Housing Assistance Plan, as attached and incorporated hereto for submission to the Florida
Housing Finance Corporation as required by ss. 420.907-420-9079, Florida Statutes, for fiscal years
2007-2008, 2008-2009 and 2009-2010.
Section 2. The Mayor is hereby designated and authorized to execute any documents and
certifications required by the Florida Housing Finance Corporation as related to the Local Housing
Assistance Plan and to do all things necessary and proper to carry out the term and conditions of
said program.
Section 3. This resolution shall take effect immediately upon its adoption.
PASSSED AND ADOPTED in regular session on this 17~' day of ~, 2007.
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MAYOR
ATTEST:
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City Clerk, CMC
2 RES. N0.28-07
MEMORANDUM
TO: MAYOR AND CTIY COMMISSIONERS
FROM: LLTLA BUTLER, COMMUNITY IMPROVEMENT DIRECTOR
ELIZABETH B. ALPERT, CD. PROGRAM ADMINISTRATOR
THROUGH: CITY MANAGER
DATE: APRIL 10, 2007
Q j~
SUBJECT: AGENDA ITEM 1 •J REGULAR MEETING OF APRIL 17, 2007
LOCAL HOUSING ASSISTANCE PLAN (CHAP) 2007-2010
ITEM BEFORE COMMISSION
City Commission authorization and approval of the Local Housing Assistance Plan (I..HAP) for Fiscal
Years 2007-2010 by adopting Resolution #28-07 pursuant to Title 67-37 of the Florida Administrative
Code.
BACKGROUND
For the past fifteen (15) years the City 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 (CHAP)
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 Tide 67 of the Administrative Code of Florida. Community
Development Division staff have administered the program and under the approved plans have assisted
Delray Beach residents with homeownership and housing rehabilitation opportunities.
Attached is the Local Housing Assistance Plan for FY2007-2010. The following strategies:
1) Purchase assistance; 2) Owner-occupied rehabilitation assistance; 3) Land Acquisition;
4) Disaster Relief assistance; 5) Sub-Recipient Housing Partnership Program (Community Land Trust);
6) Foreclosure Prevention, as well as several incentives within the CHAP, may be implemented during
the next three years. The CHAP is based on the current year's annual allocation of $590,567 per year
for the three year period.
FUNDING SOURCE
State Housing Initiatives Partnership (SHIP).
RECOMMENDATION
Staff recommends authorization and approval of the City's State Housing Initiatives Partnership (SHIP)
Program, Local Housing Assistance Plan for Fiscal Years 2007-2010.
CITY OF DELRAY BEACH
IT,S IN THE P~Op~
State Housing Initiatives Partnership (SHIP)
LOCAL HOUSING ASSISTANCE PLAN (CHAP)
FISCAL YEARS COVERED
2007/2008
200812009
200912010
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TABLE OF CONTENTS
I. Program Description ~cna~te~s~-s~.oos F.A.c. aid s~o~ azo.so~z, F.s.> 3 - 7
II. LHAP Housing Strategies ~cnapte~s~-s~.ooecs~, F.a.c. 7 -14
III. LHAP INCENTIVE STRATEGIES ~s~~o~a2o.so~,~,s~, F.s.~ 14 -18
IV. EXHIBITS 19
A. Administrative Budget
B. Timeline
C. Housing Delivery Goals Charts (HDGC)
D. Certification to Florida Housing Finance Corporation
E. Resolutions
F. Program Information Sheet
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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 420.9072(5), F.S.
City of Delray Beach
Interlocal: Yes No X
Name of participating local government(s) in the Interlocal Agreement;
B. Purpose of the program: Section 420.9072, F.S. and Chapter67-37.005(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: Chapter67-37.002,F.A.C.
X 2007!2008
X 2008!2009
X 2009!2010
D. Governance: Chapter67-37.005(3)and(5)(i)F.A.C. and Section 420.9071(14)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(1)(x), F.s.
SHIP Program encourages building active partnerships between government,
lenders, builders and developers, real estate professionals, advocates for Iow-
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
focal 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), F.A.C. and Section 420.9075(1)(a) and (1)(b3, and (1)(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: Chapter67-37.005(3), F.A.C.
Public input was solicited through face to face meetings with housing providers and local
neighborhood associations. 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 chapters7-s7.oo5(s)(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 participates in local homebuyer fairs and
workshops.
Discrimination: Section 420.9075(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 outreach 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),FA.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 Chapter 67-37.007(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 $429,619 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 household can actually afford using 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, Affordability and Essential Service Personnel:
Chapter 67-37.005(5)(e), F.A.C..and Secfron 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 forwhich
a household devotes more than 30% of its income shall be deemed affordable if the first
institutional mortgage lender is satisfied that the household can afford mortgage payments in
excess of the 30% benchmark and in the case of rental housing does not exceed those rental
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limits adjusted for bedroom size, The City of Delray Beach has established a maximum limit
of 40% of gross monthly income on the housing expenses of SHIP assisted buyers.
Definition of Essential Services Personnel:
"Essential Services Personnel" means persons whose household incomes do not exceed
140% of AMI, as determined annually by the Florida Housing Finance Corporation and
adjusted for family size, and shall include teachers and educators; other school district,
community college, and university employees; police and fire personnel; health care
personnel; skilled building trades personnel; Federal, State, County, and local government
personnel; and may also include utility system (water/sewer, electrical, communication, etc.)
personnel; information technology industry personnel; child care personnel; personal service
providers; retail workers; wholesale/warehouse personnel; tourism industry personnel;
biotechnology industry personnel; non-profit personnel; food service personnel; landscaping
industry personnel; cosmetology service providers; facility maintenance personnel;
automotive service personnel; marine services personnel; and personnel in other industries
deemed essential by City of Delray Beach government based on the local economy. The City
of Delray Beach will review and possibly revise this definition of essential service workers on
an as needed basis to conform to local economic and industry trends.
M. Wages to Work: 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 420.9075(3)(e)and (4) (f), Fs.
In the case of rental housing, the staff ar 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 anothergovemmental 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.
0. Administrative Budget: Chapter 67-37.005(6)03, F.A.C..
A detailed listing including line-item budget of proposed Administrative Expenditures is
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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.
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 (CHAP).
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 CHAP.
II. CHAP HOUSING STRATEGIES: Chapter s7-3.005(5), F.,4.C.
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 2007/2008, 2008/2009 and
2009/2010.
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.
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d. Maximum award is noted on the Housing Delivery Goals Charts: The
maximum award is limited to $75,000; 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 $35,000. For amounts equal to or greater than $35,000,
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.
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:
o someone who has not owned a home during the past three years
o 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
o a displaced victim of domestic abuse
o 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
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;
• 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.
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 buildinglelectricallplumbing 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.
Fiscal Years Covered: State fiscal years 2007/2008, 2008/2009 and
2009!2010.
.g.
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 for this strategy is $37,000. 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 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 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.
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)
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• Must beowner/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: NIA. 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 afor-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
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• Affordability of houses} being built
Fiscal Years Covered: State fiscal years 2007/2008, 2008/2009 and
2009/2010.
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.
Maximum award is noted on the Housing Delivery Goals Charts:
The maximum purchase price fora "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 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.
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.
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
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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 200712008, 2008/2009 and
200912010.
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.
Maximum award as noted on the Housing Delivery Goals Charts: The
maximum award for this strategy is $15,000 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.
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.
Sponsor Selection Criteria: NIA.
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 Strategy: Sub-Recipient Housing Partnership Program. This strategy shall not be used
in conjunction with any other assistance program offered by the City of Delray Beach.
Summary of the Strategy: This strategy allocates 0 % interest, deferred payment
loans to a Community Land Trust/non-profit sub-recipient to be applied towards the
principal reduction of construction of affordable single family units within the
Community Land Trust.
Fiscal Years Covered: State fiscal years 200712008, 2008/2009 and 200912010.
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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.
Maximum award is noted on the Housing Delivery Goals Charts: The maximum
award is limited to $75,000; 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 each eligible
Community Land Trust property on a one time basis. Subsidy awards will be
evaluated individually on a case-by-case basis in accordance with SHIP income
guidelines and will require final approval by the City's Community Improvement
Department. The subsidy will be required to be excluded from the applicant's original
purchase price in the re-sale formula and is to appear as a construction cost buy-
down to maintain the unit's affordability in perpetuity. Assistance will be provided to
eligible sub-recipient partner in the form of a fifteen (15) year, 0% interest, forgivable
deferred loan for amounts greater than $5,000 but less than $35,000. For amounts
equal to or greater than $35,000, assistance will be provided in the form of a thirty
(30) year, 0% interest, forgivable deferred payment loan. All loan awards are
secured with an all inclusive agreement between the City and Community Land Trust.
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 Events shall be:
i. The Community Land Trust sells or transfers ownership of the property in a
manner such that the property is no longer held in trust for affordable
housing purposes;
ii. The Community Land Trust dissolves and/or ceases to exist as a 501(c)(3)
not-for-profit corporation;
iii. The unit is rented without prior authorization from the City;
iv. The unit is refinanced without prior authorization from the City;
v. The occupant fails to follow guidelines of the Community Land Trust.
Such repaid funds will be utilized in accordance with the approved Local housing Assistance
Plan in effect at the time the funds are repaid. If no "qualifying event(s)" occur prior to the
expiration of the agreement, the loan shall be totally forgiven.
Sponsor Selection Criteria: Eligible sponsors will be selected via the City's Request
for Proposal (RFP) process and must meet the following selection criteria:
-14-
i. Designated 501(c)(3) non-profit organization under IRS guidelines;
ii. Legally operating Community Land Trust within the jurisdiction of the City of
Delray Beach;
iii. Has demonstrated track record and production experience in the
construction and delivery of affordable housing;
iv. 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.
F. Name of Strategy: Foreclosure Prevention:
a. Summary of the Strategy: This strategy allocates payment assistance in the form of a grant to
any homeowner within 0-140% of the Area Median Income (AMI) whose home is in the
process of foreclosure due to extenuating circumstances as listed below in the Terms,
Recapture and Default section.
b. Fiscal Years Covered: State fiscal years 2007/2008, 2008/2009 and 2009/2010.
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.
Maximum award is noted on the Housing Delivery Goals Charts: The maximum award is
limited to $10,000 inclusive of all attorney fees/court costs; 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 continue to retain ownership and
regularly make his/her monthly payments.
e. Terms. Recapture and Default:
1. Home value must be equal or less than SHIP purchase price limit.
2. Completion of post-counseling through approved counseling agency.
3, Foreclosure prevention applicants must show that the nonpayment of their
mortgage is not through their own doing. Eligible reasons are:
(1) Loss of employment.
(2) Sudden medical expenses.
(3} Divorce or separation.
(4) Death in the family.
-15-
(5) Unforeseen home repair bills.
Applicants must also show that they will be able to keep the house out of default,
genuinely want to keep the house, and must show they can make monthly
mortgage payments.
Additionally, eligibility for foreclosure prevention shall be done in an expedited
manner and may include alternative forms of documentation, such as current pay
stubs and benefit letters, as well as oral verification of employment wages, other
income, and assets.
4. Recapture: Zero percent, five (5) year deferred, payment loan.
5. Leveraging: This program will be leveraged from funds from the SHIP Partnership
Program.
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.
Established policy and procedures: Provide Description
The City has in place a "One Stop Shop" permitting process fora 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
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.
-16-
C. Name of the Strategy: Impact Fees Requirements
An on-going process to allow for the payment of Impact fees
associated 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.
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
allow for increased densities in planned unit development on acase-
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 of Infrastructure Capacity
An ongoing process to provide for infrastructure improvements in
deteriorating neighborhoods
•17-
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.
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
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
-18-
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 Encumbrance and Expenditure: Chapter 67-37.005(6)(d) and (t) 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: Chapter67-37.005(7), F.A.C.
Signed Certification is attached as Exhibit D.
E. Adopting Resolution: Section 420.9t)72(2)(b)2, F.s.
Original signed, dated, witnessed or attested adopting resolution is attached as
Exhibit E.
Resolution 28-07
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. This item has not changed as of May 2007.
H. Interlocal Agreement: Section 420.9072, F.S.
A copy of the Interlocal Agreement if applicable is attached as Exhibit H.
This item is not applicable as of May 2007.
-19-
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
Fiscal Year 200712008
Salaries and Benefits 53,590.00
AuditlAccounting Fees 2,000:00
Operating Expenses for SHIP 3,500.00
Administrator (i.e., travel & training,
phone, memberships, etc.
Advertising 400.00
59,490.00
Fiscal Year 2008/2009
Salaries and Benefits 53,590,00
Audit/Accounting Fees 2,000,00
Operating Expenses for SHIP 3,500.00
Administrator (i.e., travel & training,
phone, memberships, etc.
Advertising 400.00
59,490.00
Fiscal Year 200912010
Salaries and Benefits 53,590.00
AuditlAccounting Fees 2,000.00
Operating Expenses for SHIP 3,500.00
Adminsitrator (i.e., travel & training,
phone, memberships, etc.
Advertising 400.00
Administrative expenses in excess of the maximum ten
percent (10%) of SHIP allocation will be supplemented by up to
five (5%) percent of program income and/or City general funds.
Budgeted amounts based on 2007/2008 allocation of $576,008.
Exhibit A
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Exhibit D
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government: City of Delray Beach
(1) The local govemment 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 Govemment 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.
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
May 2007
Exhibit D
(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 FAC, and
how each of those requirements shall be met.
(19) The provisions of Chapter 83-220, Laws of Florida X has or has not
been implemented.
Witness
Witness
Chief Elected Official or designee
Rita Ellis Mayor
Type Name and Title
Date
OR
Attest:
(Seal)
2
May 2007
RESOLUTION N0.28-07
A RESOLUTION OF THE QTY COMMISSION OF THE QTY OF
DELRAY BEACH, FLORIDA, APPROVING THE LOCAL HOUSING
ASSISTANCE PLAN AS REQUIRED BY THE STATE HOUSING
INITIATIVES PARTNERSHIP PROGRAM ACT, SUBSECTIONS
420.907-420.9079, FLORIDA STATUTES; AND RULE C~IAPTER 67-37,
FLORIDA ADMINISTRATIVE CODE; AUTHORZING AND
DIRECTING THE MAYOR TO EXECUTE ANY NECESSARY
DOCUMENTS AND CERTIFICATIONS NEEDED BY THE STATE;
AUITiORIZING THE SUBMISSION OF THE LOCAL HOUSING
ASSISTANCE PLAN FOR REVIEW AND APPROVAL BY THE
FLORIDA HOUSING FINANCE CORPORATION; AND PROVIDING
AN EFFECIVE DATE.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable Housing Act, Chapter
92-317 of Florida Sessions Laws, allocating a portion of documentary stamp taxes on deeds to local
governments for the development and maintenance of affordable housing; and
WF~REAS, the State Housing Initiatives Partnership (SHIP) Act, ss. 420.907-420.9079, Florida
Statutes (1992), and Rule Chapter 67-37, Florida Administrative Code, requires local governments to develop a
one- to three-year Local Housing Assistance Plan outlining how funds will be used; and
WI-IEREAS, the SHIP Act requires local governments to establish the maXimum SHIP funds allowable
for each strategy; and
WHEREAS, the SHIP Act further requires local governments to establish an average area purchase
price for new and existing housing benefiting from awards made pursuant to the Act; the methodology and
purchase prices used are defined in the attached Local Housing Assistance Plan; and
WHEREAS, as required by Section 420.9075, F.S., and Chapter 67-37 F.A.C., it is found that five
percent (5%) of the local housing distribution plus five percent (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 ten percent (10%) of the local housing distribution plus five percent (5%) of
program income deposited into the mist fund, except that small counties, as defined in s. 120.52(17), and
eligible municipalities receiving a local housing distribution of up to Three Hundred Fifty Thousand Dollars
($350,000) may use up to ten percent (10%) of program income for administrative costs; and
WHEREAS, the City has prepared athree-year Local Housing Assistance Plan for submission to the
Florida Housing Finance Corporation; and
WHEREAS, the City Commission finds that it is in the best interest of the public for the City of Delray
Beach to submit the Local Housing Assistance Plan for review and approval so as to qualify for said
documentary stamp tax funds; and
NOW THEREFORE BE IT RESOLVED BY THE QTY COMMISSION OF THE QTY OF
DELRAY BEACH FLORIDA AS FOLLOWS:
Section 1. The City Commission of the City of Delray Beach hereby approves the Local Housing
Assistance Plan, as attached and incorporated hereto for submission to the Florida Housing Finance
Corporation as required by ss. 420.907-420-9079, Florida Statutes, for fiscal years 2007-2008, 2008-2009 and
2009-2010.
Section 2. The Mayor is hereby designated and authorized to execute any documents and
certifications required by the Florida Housing Finance Corporation as related to the Local Housing
Assistance Plan and to do all things necessary and proper to carry out the term and conditions of said
program.
Section 3. This resolution shall take effect immediately upon its adoption.
PASSSED AND ADOPTED in regular session on this the day of , 2007.
ATTEST:
City Clerk
MAYOR
2 RES. N0.28-07
Exhibit F
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
INFORMATION SHEET
LOCAL GOVERNMENT: City of Delrav Beach
CHIEF ELECTED OFFICIAL (Mayor, Chairman, etc.): Rita Ellis Mayor
ADDRESS: 100 N W ls` Avenue Delray Beach FL 33444
SHIP ADMINISTRATOR: Ferline F Mesidort Communi Development Specialist
ADDRESS: same as above
TELEPHONE:(561) 243-7236 FAX:(561) 243-7221
EMAIL ADDRESS: mesidort(a~ci delra~beach fl us
ADDITIONAL SHIP CONTACTS: Elizabeth B Alpert Community Development Program Administrator
ADDRESS: same as above
TELEPHONE:(561) 243-7282 FAX:(561) 243-7221
EMAIL ADDRESS: apert 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:
~ 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: SHIP PROGRAM MANAGER, FHFC 227 N. BRONOUGH ST, STE 5000
TALLAHASSEE, FL 32301 Fax: (850) 922-7253
~k
RECEIVEC)
e mo APR 1 6 2007
CITY !~lIANAGER
To: David Harden, City Manager ~,
From: Lula Butler, Director of Community Improvement ~,~ /
Thru: Elizabeth Alpert, Community Development Administrat~or~
Date: April 16, 2007
Re: Changes to Agenda Item re: 2007-2010 Local Housing Assistance
Plan (CHAP)
Attached please find pages 15 and 16 of the 2007-2010 Local Housing
Assistance Plan (CHAP), item #9-D on the April 17, 2007 City Commission
Agenda. The following changes have been made:
1. Pg. 15/ Part F, subpart A -the AMI (area median income) limit has
been adjusted from 0-140% to 0-100%. Using 100% is more
consistent with all of the other SHIP strategies in the plan.
2. Pg. 15/ Part F, subpart A -the word "grant" was changed to
"deferred payment loan."
3. Pg. 16/ Part F, subpart e, #5 now states that "Leveraging will not
be used with this strategy; it shall not be available to any former
SHIP recipient or SHIP sub-recipient."
iwiud In~«.~a~+~ ~m I+em 9.D
i. Designated 501(c)(3) non-profit organization under IRS guidelines;
ii. Legally operating Community Land Trust within the jurisdiction of the City of
Delray Beach;
iii. Has demonstrated track record and production experience in the construction
and delivery of affordable housing;
iv. 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.
F. Name of Strategy: Foreclosure Prevention:
a. Summary of the Strategy: This strategy allocates payment assistance in the form of a
deferred payment loan to any homeowner within 0-100% of the Area Median Income (AMI)
whose home is in the process of foreclosure due to extenuating circumstances as listed below
in the Terms, Recapture and Default section.
Fiscal Years Covered: State fiscal years 200712008, 2008/2009 and 2009/2010.
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 is
limited to $10,000 inclusive of all attorney fees/court costs; 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 continue to retain ownership and
regularly make his/her monthly payments.
e. Terms. Recapture and Default:
1. Home value must be equal or less than SHIP purchase price limit.
2. Completion of post-counseling through approved counseling agency.
3. Foreclosure prevention applicants must show that the nonpayment of their
mortgage is not through their own doing. Eligible reasons are:
(1) Loss of employment.
(2) Sudden medical expenses.
(3) Divorce or separation.
(4) Death in the family.
(5) Unforeseen home repair bills.
-15-
Applicants must also show that they will be able to keep the house out of default,
genuinely want to keep the house, and must show they can make monthly
mortgage payments.
Additionally, eligibility for foreclosure prevention shall be done in an expedited
manner and may include alternative forms of documentation, such as current pay
stubs and benefit letters, as well as oral verification of employment wages, other
income, and assets.
4. Recapture: Zero percent, five (5) year deferred, payment loan.
5. Leveraging -Levering will not be used with this strategy; it shall not be available to any
former SHIP recipient or SHIP sub-recipient.
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 fora 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
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.
-16-