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RESOLUTION NO. 2003-161
A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF
INDIAN RIVER COUNTY, FLORIDA, AUTHORIZING THE ESCAMBIA
COUNTY HOUSING FINANCE AUTHORITY TO OPERATE WITHIN THE
BOUNDARIES OF INDIAN RIVER COUNTY, FLORIDA, TO FINANCE
QUALIFYING SINGLE FAMILY MORTGAGE LOANS ON BEHALF OF
INDIAN RIVER COUNTY, FLORIDA; AUTHORIZING THE BOARD OF
COUNTY COMMISSIONERS TO ENTER INTO AGREEMENTS WITH THE
ESCAMBIA COUNTY HOUSING FINANCE AUTHORITY AND TO EXECUTE
AND DELIVER CERTAIN DOCUMENTS AND INSTRUMENTS IN
CONNECTION THEREWITH; APPROVING A FORM OF INTERLOCAL
AGREEMENT; APPROVING THE ISSUANCE BY THE ESCAMBIA COUNTY
HOUSING FINANCE AUTHORITY OF NOT EXCEEDING $150,000,000
SINGLE FAMILY MORTGAGE REVENUE BONDS, SERIES 2004A (MULTI -
COUNTY PROGRAM), PURSUANT TO SECTION 147(0 OF THE INTERNAL
REVENUE CODE OF 1986, AS AMENDED; PROVIDING THAT SUCH BONDS
CONSTITUTE LIMITED, SPECIAL OBLIGATIONS; AND PROVIDING AN
EFFECTIVE DATE.
WHEREAS, Chapter 159, Part IV, Florida Statutes, .(the "Act") authorized counties to create
housing finance authorities to exercise powers of the Act within their boundaries or outside their
boundaries with the consent of the governing body of the territory outside their area of operation; and
WHEREAS, the Board of County Commissioners of Escambia County, Florida, (the Escambia
Board") on May 29, 1980, adopted Ordinance No. 80-12 and on March 20, 2003, the Escambia Board
enacted Ordinance 2003-8 (collectively, the 'Ordinance") creating the Escambia County Housing
Finance Authority (the "Authority") and authorized the Authority to exercise all powers under the Act
subject to approval by the Escambia Board as a condition precedent to the effectiveness of the certain
actions of the Authority, and
WHEREAS, there is no housing finance authority currently operating in Indian River County,
Florida ("Indian River County"); and
WHEREAS, pursuant to the Act, the Board of County Commissioners of Indian River County,
Florida, (the "Indian River Board") has found a shortage of affordable housing and capital for investment
therein and a need for a housing finance authority to function in Indian River County; and
WHEREAS, it is not practicable at this time under existing Florida and Federal laws and
regulations for a single local agency to issue its bonds for the purpose of implementing a single family
housing program, although the shortage of such single family housing and capital for investment therein
is continuing in Indian River County, and
WHEREAS, the Authority by resolutions duly adopted on June 13, 2000 and May 14, 2002
(collectively, the `Enabling Resolutions"), as amended and supplemented, particularly as supplemented
by a resolution dated as of May 13, 2003 (the "Authorizing Resolution"), authorized a plan of finance (the
`Plan") for the issuance from time to time of not exceeding $400,000,000 Single Family Mortgage
Revenue Bonds (Multi -County Program) (the "Program"), and
WHEREAS, the Authority has indicated that it expects to issue its Single Family Mortgage
Revenue Bonds, Series 2004A (Multi -County Program) (the "Escambia Bonds" or the "Bonds") in a
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principal amount not exceeding $150,000,000, exclusive of any amounts required for refunding purposes;
and
WHEREAS, the Indian River Board desires to authorize certain actions as necessary in
connection with participation in the Program and the issuance, sale, authentication and delivery of the
Bonds by entering into an Interlocal Agreement dated as of December 9, 2003 (the "Interlocal
Agreement"); and
WHEREAS, Section 147(0 of the Internal Revenue Code of 1986, as amended (hereinafter
referred to as the "Code") requires public approval of certain private activity bonds and the Plan therefor
by an applicable elected representative or governmental unit following a public hearing and the Indian
River Board constitutes an applicable elected representative or governmental unit; and
WHEREAS, pursuant to Section 147(0 of the Code a public hearing was scheduled before the
Indian River Board on behalf of the Indian River Board, the Escambia Board and the Authority for
December 9 2003, at 9 00 a.m. or soon thereafter and notice of such hearing was given in the form
required by the Code by publication more than fourteen (14) days prior to such hearing; and
WHEREAS, the Indian River Board, has on December 9, 2003, held the public hearing and
provided at such hearing reasonable opportunity for all interested individuals to express their views, both
orally and in writing, on the issuance of the Bonds; and
WHEREAS, the Indian River Board diligently and conscientiously considered all comments and
concerns expressed by such individuals and
WHEREAS, the Indian River Board desires to express its approval of the action to be taken
pursuant to the Enabling Resolution and the Act, and as required by Section 147(0 of the Code;
NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF INDIAN RIVER COUNTY, FLORIDA:
Section 1. Because of the continuing shortage of affordable single family housing and
capital for investment therein in Indian River County and the continuing impediments to a bond issue to
alleviate such shortages as to single family housing, it is hereby determined that the Indian River Board
consents to the Authority exercising its powers to issue the Bonds and to implement a plan of finance to
provide capital from sources of funds available to the Authority, including but not limited to a portion of
the proceeds of the Bonds, and proceeds of obligations refunded by the Bonds, to establish a program to
finance Mortgage Loans for single family housing within the statutory boundaries of Indian River County
("Mortgage Loans"); provided, that the Authority and Indian River County first enter into a written
agreement setting forth the powers, duties and limitations of the Authority as they pertain to the use of
said Bond proceeds within Indian River County and payment of the issuance costs for such Bonds.
Section 2. In furtherance of the purposes set forth in Section 1 hereof the Chairman or Vice -
Chairman and Clerk or Deputy Clerk of the Indian River Board are hereby authorized to execute such
consents, intergovernmental agreements, applications, instruments or other documents as shall be required
to implement participation by the Indian River Board in the Program and to provide for payment of Indian
River County s proportionate share of the costs thereof, including but not limited to the costs of issuance
of such Bonds, all as shall be approved by counsel to Indian River County.
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Section 3. The Interlocal Agreement, in substantially the form attached hereto as Exhibit A,
and made a part hereof, between Indian River County and the Authority is hereby approved. The officers
of Indian River County are hereby authorized to enter into such Interlocal Agreement on behalf of Indian
River County with such changes not inconsistent herewith as the officers executing same may approve,
such execution and delivery to be conclusive evidence of such approval. The appropriate officers of
Indian River County are hereby further authorized to execute and deliver such other documents and
instruments as may be necessary to implement such Interlocal Agreement, including, without limitation
application for up to the maximum available private activity bond volume allocations pursuant to the Act
for the purposes set forth in the Interlocal Agreement.
Section 4. The Indian River Board hereby approves, within the meaning of Section 147(0
of the Code the Authority s Plan and the issuance by the Authority from time to time of not exceeding
$150,000,000 Single Family Mortgage Revenue Bonds (Multi -County Program), initially designated as
Series 2004A, for funding the Authority's Program for Mortgage Loans, and such other action to be taken
pursuant to the Enabling Resolution or the Act.
Section 5. The principal of and premium, if any, and interest on the Bonds and all payments
required under the proposed financing agreements, including the Interlocal Agreement, shall be payable
solely by the Authority from the proceeds derived by the Authority under the proposed financing
agreements, and Indian River County shall never be required to (i) levy ad valorem taxes on any property
within its territorial limits to pay the principal of and premium if any, and interest on the Bonds or to
make any other payments provided for under the proposed financing agreements, or (ii) pay the same
from any funds of Indian River County whatsoever. Adoption of this Resolution does not authorize or
commit the expenditure of any funds of Indian River County to pay the costs of issuance of such Bonds.
The Bonds are limited, special obligations and will not constitute a debt of the State of Florida, Indian
River County, Escambia County, or other participating Counties or the Authority or other participating
Housing Finance Authorities, but will be payable solely from payments made from the revenues
generated from the Program.
Section 6. All resolutions or parts thereof of the Indian River Board in conflict with the
provisions herein contained are, to the extent of such conflict, hereby superseded and repealed.
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Section 7. This Resolution shall take effect immediately upon its adoption.
Duly adopted in the regular session this 9th day of December, 2003.
'`fin.,.
INDIAN RIVER COUNTY, FLORIDA
B _
(SEAL) 'enneth R. Macht, Chair
Board of County Commissioners
ATTEST:
Its: Clerk, PATRICIA M. RIUGELYDEP!TY CLERK
Board of County Commissioners
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Leg?.!
SudQe
Dept
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Exhibit A
INTERLOCAL AGREEMENT
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INTERLOCAL AGREEMENT
THIS AGREEMENT made and entered into this 9th day of December, 2003 by and between
the ESCAMBIA COUNTY HOUSING FINANCE AUTHORITY, a public body corporate and politic
organized and existing under the laws of the State of Florida (hereinafter referred to as the "Escambia
Authority"), and INDIAN RIVER COUNTY, FLORIDA, a political subdivision of the State of Florida
(hereinafter referred to as the "Participating County");
WITNESSETH:
WHEREAS, Chapter 159, Part IV, Florida Statutes, (the "Act") authorizes the creation of
housing finance authorities within the State of Florida (the "State") for the purpose of issuing revenue
bonds to assist in relieving the shortage of housing available at prices or rentals which many persons and
families can afford; and
WHEREAS, the Escambia Authority by resolutions duly adopted on June 13, 2000 and May 14,
2002 (collectively, the "Enabling Resolutions"), as amended and supplemented, particularly as
supplemented by a resolution dated as of May 13, 2003 (the 'Authorizing Resolution") authorized a plan
of finance (the "Plan") for the issuance from time to time of not exceeding $400,000,000 Single Family
Mortgage Revenue Bonds (Multi -County Program) (the "Program"), and
WHEREAS, the Escambia Authority has indicated that it expects to issue its Single Family
Mortgage Revenue Bonds, Series 2004A (Multi -County Program) (the Escambia Bonds") in a principal
amount not exceeding $150,000,000, exclusive of any amounts required for refunding purposes; and
WHEREAS, pursuant to Sections 143 and 146 of the Internal Revenue Code of 1986, as
amended (the "Code"), the amount of qualified mortgage bonds which may be issued in each year is
limited by a private activity volume cap which has been established for such purpose within the State; and
WHEREAS, the limitations upon available portions of the private activity volume cap prevents
the separate issuance of qualified mortgage bonds for each county from being feasibly and economically
accomplished; and
WHEREAS, the Escambia Authority has authorized a sufficient amount of Escambia Bonds to
fund, refund or refinance outstanding obligations, the proceeds of which will be used to finance a portion
of the anticipated demand during the proposed Origination Period for qualifying single family mortgages
(` Mortgage Loans ') of both Escambia County and the Participating County as well as certain other
counties which may also participate in point bond programs, and
WHEREAS the aggregation of mortgage loan demand and the securing of the related amount of
the cumulative State private activity volume cap (the "Allocation Amount") granted by the State through
2004 (the "Authorization Period") for the purpose of issuing qualified mortgage bonds to finance
qualifying single family residences to be occupied primarily by first-time home buyers will result in a
wider allocation of fixed expenses and certain other economies of scale, and
WHEREAS, unless such economies are realized, the issuance of qualified mortgage bonds would
be less economical, resulting in higher mortgage costs to qualified mortgagors, and
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WHEREAS, because the restrictions attendant to qualified mortgage bonds under the Code limits
the availability of mortgage funds for many eligible persons (within the meaning of the Act), the
Escambia Authority may also issue taxable mortgage revenue bonds to increase the amount available for
Mortgage Loans and to reduce or ameliorate such restrictions upon eligible persons: and
WHEREAS, Sections 159 603 and 159.604, Florida Statutes, authorize the Participating County
to approve the issuance of qualified mortgage revenue bonds through the Escambia Authonty to alleviate
the shortage of affordable housing within the Participating County, which approval has been granted by a
resolution of the Board of County Commissioners of the Participating County adopted on December 9,
2003 (the "County Resolution"); and
WHEREAS, Sections 163.01, 159.608 and 125.01, Horida Statutes, and the County Resolution
authorize this Agreement by conferring the authority to exercise or contract by agreement upon the
Escambia Authority to exercise those powers which are common to it and the other parties hereto and to
include the Participating County within the Escambia Authority's area of operation pursuant to Florida
Statutes, Section 159.603(1) for the purpose of issuing mortgage revenue bonds in one or more series
from time to time as qualified mortgage bonds based on the Allocation Amount or as taxable mortgage
revenue bonds which require no bond volume allocation, to (i) make available funds to finance
qualifying single family housing development located within the Participating County in accordance
herewith, (ii) establish the reserves therefor, and (iii) pay the costs of issuance thereof.
NOW THEREFORE, the parties agree as follows:
Section 1. Allocation Amount; Substitution of Bonds.
The Participating County hereby authorizes the Escambia Authority to issue, reissue, remarket or
refund Single Family Mortgage Revenue Bonds (the "Bonds") from time to time based on the available
Allocation Amount through the Authorization Period, or based upon the need for Mortgage Loans funded
in whole or in part from taxable Bonds which require no bond volume allocation, for the purpose of
financing the Program and making funds available for qualifying single family housing developments in
the Participating County to the full extent permitted by the Act Any Escambia Bonds issued, reissued,
remarketed or refunded for such purposes in the Participating County are hereby deemed to be in full
substitution for an equivalent principal amount of the Participating County s bonds that could have been
issued for such purpose. The Participating County hereby authorizes the Escambia Authority to utilize
the Participating County's Allocation Amount on behalf of the Participating County as part of its Plan for
the purpose of financing the Program, including, among other things, financing of qualifying single
family mortgages in the Participating County, and the Escambia Authority is hereby designated as the
bond issuing authority for the Participating County during the Authorization Period with respect to all
Allocation Amounts. The proceeds of the Escambia Bonds shall be allocated and applied to the funding
or refinancing of obligations, the proceeds of which will be used for the funding of Mortgage Loans
within the various Participating Counties and for reserves and the payment of costs of issuing the
Escambia Bonds, all in accordance with final program documents approved by the Escambia Authority.
All revenues generated by Bonds issued pursuant to this Agreement and by the use of the proceeds
thereof, will be administered by the Escambia Authority, or its agents, and all payments due from such
revenues shall be paid by the Escambia Authority, or its agents without further action by the Participating
County.
Section 2. Administration.
The Escambia Authority hereby assumes responsibility for administering this Agreement by and
through its employees. agents and officers; provided however. that the Participating County retains and
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reserves its right and obligation to require reasonable reporting on programs designed for and operated
within the Participating County. including, but not limited to, reasonably available mortgagor or profile
data. The Escambia Authority and its agents shall provide the Participatine County with such reports as
may be necessary to account for funds generated by this Agreement
The Escambia Authority shall have full authority and responsibility to negotiate. define, validate,
market, sell, issue, reissue deliver, refund or remarket its Escambia Bonds in amounts based upon
mortgage loan demand and maximum available Allocation Amounts, to the extent permitted by law to
finance the Program for qualifying single family housing developments in the Participating County and
to take such other action as may be necessary or convenient to accomplish such purpose. Each
Participating County may apply for the full Allocation Amount available for such Participating County.
It is agreed that the initial regional Allocation Amount for the Escambia Bonds in Indian River County
and other Participating Counties located within the same bond volume allocation region under Section
159.804, Florida Statutes, shall be allocated ratably between Indian River County and such other
Participating Counties within such region based upon lender demand. All lendable proceeds of the
Escambia Bonds attributable to the mortgage loan demand in Indian River County shall be reserved for
use in originating Mortgage Loans in Indian River County for an initial period of one hundred and twenty
(120) days or until July 1, 2004 whichever is later.
The issuance and administration costs and expenses related to the Escambia Bonds issued to
finance the Program and administration of such Program shall be paid from proceeds of the Escambia
Bonds and revenues generated from the Program or other sources available to the Escambia Authority.
Section 3. Program Parameters.
(A) Upon request of the Escambia Authority, the Participating County shall, to the extent
permitted by law, (i) approve, establish, and update from time to time as necessary, upon the request of
the Escambia Authority, such Program parameters including, but not limited to, maximum housing price
and maximum adjusted family income for eligible borrowers, as may be required for any bonds issued by
the Escambia Authority pursuant to this Agreement and (ii) approve the allocation of Mortgage Loan
moneys for each lending institution offering to originate Mortgage Loans within the Participating County.
Unless otherwise notified in writing by the Participating County, the Escambia Authority may from time
to time approve and establish such maximum price and family income amounts at the maximum levels
provided pursuant to the Code or the Act without further action of the Participating County.
(B) The fees and expenses of the Participating County shall be paid from the proceeds of the
Program in the manner and to the extent mutually agreed upon by the officials of the Participating County
and the Escambia Authority at or prior to issuance of the Escambia Bonds.
Section 4. Term.
This Agreement will remain in full force and effect from the date of its execution until such time
as it is terminated by any party upon ten (10) days written notice to the other party hereto.
Notwithstanding the foregoing, it is agreed that this Agreement may not be terminated by the
Participating County during the Authorization Period, or by any party during any period that the
Escambia Bonds issued pursuant to the terms hereof remain outstanding. or during any period in which
the proceeds of such Escambia Bonds (or investments acquired through such proceeds) are still in the
possession of the Escambia Authority, or its agents, pending distribution.. unless either (i) the parties to
this Agreement mutually agree in writing to the terms of such termination or (ii) such termination, by its
terms, only applies prospectively to the authorization to issue Escambia Bonds for which no Allocation
Amount has been obtained or used by the Escambia Authority and for which no purchase contract has
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been entered into. It is further agreed that in the event of termination the parties to this Agreement will
provide continuing cooperation to each other in fulfilling the obligations associated with the issuance of
Bonds pursuant to this Agreement.
Section 5. Indemnity.
To the full extent permitted by law, the Escambia Authority agrees to hold the Participating
County harmless from any and all liability for repayment of principal of and interest or penalty on the
Escambia Bonds issued pursuant to this Agreement, and the members, officials, employees and agents of
the Participating County harmless from any and all liability in connection with the approval rendered
pursuant to Sections 159.603 and 159.604, Flonda Statutes. The Escambia Authority agrees that any
offering, circular or official statement approved by and used in marketing the Escambia Bonds will
include a statement to the effect that Bond owners may not look to the Participating County or its
respective members, officials, employees and agents for payment of the Escambia Bonds and interest or
premium thereon.
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IN WITNESS WHEREOF, the parties to this Agreement have caused their names to be affixed
hereto by the proper officers thereof as of the 9th
% 'AtORIDA
1121 SEAL
1980 i
By:
By:
day of December
Robert Ward, Secretary
(SEAL)
ATTEST:
Its: Clerk
PATRICIA M. RiDGELY
DEPUTY CLERK
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. 2003.
ESCAMBIA COUNTY HOUSING
FINANCE AUTHORITY
esronley, ' airma
INDIAN RIVER COUNTY, FLORIDA
B
enneth R. acht, hair
BCC Approved: December 9, 2003
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The undersigned =er -r--y Cfc.e'eic k7 J-cr*awf Indian River County, Florida, does
hereby certify that the foregoing is a true and complete original of the Interlocal Agreement executed by
the Chairman and Clerk as of December 9, 2003.
Date: December 9, 2003
(SEAL)
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INDIAN RIVER COUNTY, FLORIDA
By:
Its: p 0 • �Le,CK
Board of County Commissioners
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Division Serial No.
Prior Division Serial No.
STATE OF FLORIDA DIVISION OF BOND FINANCE
NOTICE OF INTENT TO ISSUE BONDS AND REQUEST FOR WRITTEN CONFIRMATION
PART I (to be completed by applicant) Date: January 1, 2004
Name, address and phone number of person who prepared this Notice (confirmation or rejection will be sent to this person
unless otherwise directed):
Name: Gordon R. Jernigan Phone: (850) 432-7077
Address: 25 West Cedar Street, Suite 530
Pensacola, Florida 32501
Issuing Agency: Escambia County Housing Finance Authority
Company (if applicable):
Requested Amount: $
Is this a Supplementary Notice? Yes No X
Check one of the following:
Manufacturing Facility (as defined in Section 159.803(10), F.S.)
Florida First Business Project (as defined in Section 159.803(1 1), F.S.)
(Governor's Office of Tourism, Trade and Economic Development certification must be attached)
Multifamily Housing Single Family Housing X Other
(If "Other", specify)
Is this a Priority Project under State law? Yes No X
Purpose: Single Family Mortgage Revenue Bond Program for Indian River County to be issued by the Escambia County Housing
Finance Authority
s. 1470 or similar IRC Approval Date: December 9, 2003
Approving Authority (Unit of Government): Board of County Commissioners of Indian River County
Contemplated Date(s) of Issue:
I HEREBY CERTIFY THAT THE ELECTED OFFICIAL OR VOTER APPROVAL REQUIRED PURSUANT TO 147(f) OF
THE INTERNAL REVENUE CODE HAS BEEN OBTAINED ON THE DATE INDICATED ABOVE, AND THAT THE
AMOUNT REASONABLY EXPECTED TO BQUIRED FOR THE FINANCING EQUALS AT LEAST 90% OF THE
AMOUNT REQUESTED ABOVE.
Signature of Issuing Agency Official
Issuing Agency Official - typed or prin Name and Title Kenneth R. Macht. Chair Board of County Commissioners
IMPORTANT! Legal Opinion (Section 159.805(1), F.S.) enclosed: X
PART II (to be completed by the Division of Bond Finance)
Received by: Date and Time Received:
5100.00 Filing Fee enclosed: X
Adjusted Date Received (pursuant to Section 159.8081 or 159.8083. F.S.)
Status (confirmed or rejected):
Amount Confirmed: $ Confirmation Valid Through:
Amount Pending (if any): $ Comments:
Category of Confirmation:
Title: Director. Division of Bond Finance
ISSUER IS HEREBY ADVISED THAT THIS CONFIRMATION IS CONDITIONAL AND SHALL NOT BE CONSIDERED
FINAL UNTIL AND UNLESS (1) THE DIVISION RECEIVES TIMELY NOTIFICATION OF ISSUANCE OF THE BONDS
PURSUANT TO SECTION 159.805(5)(a), FLORIDA STATUTES. AND (2) THE DIVISION HAS ISSUED ITS FINAL
CONFIRMATION OF ALLOCATION (FORM BF 2007-B) WITH RESPECT TO THE BONDS.
(Form BF2006-G/1-1-97)