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RESOLUTION #: 2020 - 107 J.R. SMITH, CLERK
A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF INDIAN RIVER
COUNTY 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
COMMUNITY DEVELOPMENT DIRECTOR 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 EFFECTIVE 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 at least every three -years a 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 within its Local Housing Assistance Plan; 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. If it is found that 5 percent .of the local
housing distribution plus 5 percent of program income is insufficient to adequately pay the
necessary costs of administering the local housing assistance plan. The cost of administering the
program may not exceed 10 percent of the local housing distribution plus 5% of program income
deposited into the trust fund, except that small counties, as defined in s. 120.52(17), and eligible
RESOLUTION #: 2020 - 107
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J.R. SMITH, CLERK
municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent
of program income for administrative costs.
WHEREAS, the Indian River County Community Development Department has prepared
a three-year Local Housing Assistance Plan for submission to the Florida Housing Finance
Corporation; and
WHEREAS, the Board of County Commissioners made a determination that it is in the
best interest of the Indian River County citizens to submit the Local Housing Assistance Plan for
review and approval so as to qualify for said documentary stamp tax funds; and
WHEREAS, this resolution replaces and supersedes resolution #2017-118, that was
approved by the Board on December 5, 2017.
NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF INDIAN RIVER COUNTY, FLORIDA that:
Section 1: The Board of County Commissioners of Indian River County hereby approve 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 2021-2022, 2022-2023, 2023-2024.
Section 2: The Community Development Director, 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 perform all
necessary and proper tasks to carry out the term and conditions of said program.
Section 3: The County shall utilize up to 10 percent of the local housing distribution plus 5
percent of the program income deposited into the trust fund to administer the
program.
2
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RESOLUTION #: 2020 - 107 J.R. SMITH, CLERK
Section 4: This resolution shall take effect immediately upon its adoption.
The foregoing resolution was offered by Commissioner Peter D. o'BryaA and seconded by
Commissioner Susan Adams , and being put to a vote, the vote was as follows:
Chairman, Joseph E. Flescher AYE
Vice Chairman, Peter D. O'Bryan AYE
Commissioner, Susan Adams AYE
Commissioner, Joseph H. Earman AYE
Commissioner, Laura Moss AYE
The Chairman thereupon declared the resolution duly passed and adopted this 1st day
of December 2020.
Board of County Commissioners of
Indian River County =, ��. �''s�'.•
trr�o
,
` a7", .
Joseph E. Flescher, Chairma';
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ATTEST by: � C/ ;
Jeffrey R. Smith, lerk of the Circuit Court & Comptroller
APPROVED AS TO FORM AND
LEGAL SUFFICIENCY
BY: a-.7, - 41
Dylan Reingold
County Attorney
FACommunity DevelopmenASIRMHAP\2021-2024 LI AP\2020 LHAP Revisions\BCC Item - LHAP\LHAP resolution 2020.docx
Indian River County
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A TRUE COPY -
CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2021-20229 2022-2023, and 2023-2024
0
Adopted by BCC: December , 2020 Equal Housing Opportunity
Approved by FHFC: , 2021
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Effective: July 1, 2021
Table of Contents
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J.R. SMITH, CLERK
Description
Page #
Section I, Program Details
3
Section II, Housing Strategies
7
A.
Owner Occupied Rehabilitation Loans
7
B.
Purchase Assistance with or without Rehabilitation Loans
9
C.
Emergency Repair Loans
10
D.
Disaster Mitigation Loans
12
E.
Impact Fee / Capacity Charge Loans
13
F.
New Construction (Federal or State Programs Matching Loans)
14
Section III, Incentive Strategies
16
A.
Expedited Permitting
16
B.
Ongoing Review Process
16
C.
Other Incentive Strategies Adopted
17
Section IV, Exhibits
18
A.
B.
C.
D.
E.
F.
G.
H.
Administrative Budget for 2021-2022, 2022-2023, and 2023-2024
Timeline for Estimated Encumbrance and Expenditure
Housing Delivery Goals Charts (HDGC) For 2021-2022, 2022-2023, and 2023-2024
Signed LHAP Certification
Signed, Dated, Witnessed or Attested Adopting Resolution
Ordinance: No Change to the Original Ordinance
Interlocal Agreement: No Interlocal Agreement
State Housing Initiatives Partnership (SHIP) Program Information Sheet
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J.R. SMITH, CLERK
L Program Details:
A. LG(s)
Name of Local Government Indian River County
Does this LHAP contain an interlocal agreement? No
If yes, name of other local government(s) NA
B. Purpose of the program:
• To meet the housing needs of the very low, low and moderate income households;
• To expand production of and preserve affordable housing; and
• To further the housing element of the local government comprehensive plan specific to
affordable housing.
C. Fiscal years covered by the Plan: 2021-2022, 2022-2023, and 2023-2024
D. Governance: The SHIP Program is established in accordance with Section 420.907-9079,
Florida Statutes and Chapter 67-37, Florida Administrative Code. Cities and Counties must be in
compliance with these applicable statutes, rules and any additional requirements as established
through the Legislative process.
E. Local Housing Partnership: The SHIP Program encourages building active partnerships
between government, lending institutions, builders and developers, not-for-profit and
community-based housing providers and service organizations, providers of professional
services related to affordable housing, advocates for low-income persons, real estate
professionals, persons or entities that can provide housing or support services and lead agencies
of the local continuums of care.
F. Leveraging: The Plan is intended to increase the availability of affordable residential units by
combining local resources and cost saving measures into a local housing partnership and using
public and private funds to reduce the cost of housing. SHIP funds may be leveraged with or
used to supplement other Florida Housing Finance Corporation programs and to provide local
match to obtain federal housing grants, loans or programs.
G. Public Input: Public input was solicited through face to face meetings with housing providers,
social service providers, local lenders, neighborhood associations, Affordable Housing Advisory
Committee, and the Indian River County Affordable Housing Partnership Group. Public input
was solicited through the county website and in the advertising of the Local Housing Assistance
Plan Notice of Funding Availability in the local newspaper.
H. Advertising and Outreach: SHIP funding availability shall be advertised in the Press Journal
(the local newspaper of general circulation) and on the county website, at least 30 days before
the beginning of the application period. If no funding is available due to a queue list, no notice of
funding availability is required.
I. Queue List/Priorities: A queue list will be established when applicants apply to the county
SHIP program. Those households on the queue list will be contacted by staff when their queue
number is reached. The queue list will be maintained with applicants listed in an order that is
consistent with the time that their preliminary intake forms were submitted. Queue numbers will
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J.R. SMITH, CLERK
be assigned based on that order. Adjustments to the queue order may be made to achieve any
established funding priorities as described in this plan.
Priorities for funding described herein apply to all strategies unless otherwise stated in the
strategy. The county will accept preliminary intake forms during the advertised "Application
Period". All applicants must complete the SHIP preliminary intake information sheet and submit
it to the SHIP office to obtain their queue list number.
Once there is a list of eligible applicants, they will be ranked based on the priorities provided
below.
Ranking Priority:
1. Emergency Loans
2. Special Needs Households (until the program's required percentage has been met)
3. Very low income applicants from local Non-profit Affordable Housing
Organizations such as Habitat for Humanity and Every Dream Has a Price
4. Other applicants
a. Very low income (until the program's required percentage has been met)
b. Low income (until the program's required percentage has been met)
C. Moderate income
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to
discriminate on the basis of race, color, religion, sex, national origin, age, handicap, or marital
status in the award application process for eligible housing.
K. Support Services and Counseling: Support services are available from various sources.
Available support services may include, but are not limited to: Homeownership Counseling (Pre
and Post), Credit Counseling, Tenant Counseling, Foreclosure Counseling and Transportation.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not
exceed 90% of the average area purchase price in the statistical area in which the eligible
housing is located. Such average area purchase price may be that calculated for any 12 -month
period beginning not earlier than the fourth calendar year prior to the year in which the award
occurs. The sales price of new and existing units, which can be lower but may not exceed 90%
of the median area purchase price established by the U.S. Treasury Department or as described
above.
The methodology used is:
U.S. Treasury Department X
Local HFA Numbers
M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the
SHIP Program are updated annually by the Department of Housing and Urban Development
and posted at www.floridahousing.org.
Affordable means that monthly rents or mortgage payments including taxes and insurance
do not exceed 30 percent of that amount which represents the percentage of the median
annual gross income for the households as indicated in Sections 420.9071, F.S. However, it
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is not the intent to limit an individual household's ability to devote more than 30% of its
income for housing, and housing for which a household devotes more than 30% of its
income shall be deemed Affordable if the first institutional mortgage lender is satisfied that
the household can afford mortgage payments in excess of the 30% benchmark and in the
case of rental housing does not exceed those rental limits adjusted for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system
and selection criteria for applications for Awards to eligible sponsors shall be developed,
which includes a description that demonstrates how eligible sponsors that employ personnel
from the Welfare Transition Program will be given preference in the selection process.
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any
entity that has administrative authority for implementing the local housing assistance plan
assisting rental developments shall annually monitor and determine tenant eligibility or, to
the extent another governmental entity provides the same monitoring and determination, a
municipality, county or local housing financing authority may rely on such monitoring and
determination of tenant eligibility. However, any loan in the original amount of $10,000 or
less shall not be subject to this annual monitoring and determination of tenant eligibility
requirements. Tenant eligibility will be monitored annually for no less than 15 years or the
term of assistance whichever 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.
P. Administrative Budget: A line -item budget of proposed Administrative Expenditures is
attached as Exhibit A. Indian River County finds that the funds deposited in the local
housing assistance trust fund shall be used to administer and implement the local housing
assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states:
"A county or an eligible municipality may not exceed the 5 percent limitation on
administrative costs, unless its governing body finds, by resolution, that 5 percent of the local
housing distribution plus 5 percent of program income is insufficient to adequately pay the
necessary costs of administering the local housing assistance plan. "
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further
states: "The cost of administering the program may not exceed 10 percent of the local
housing distribution plus 5 percent of program income deposited into the trust fund, except
that small counties, as defined in s. 120.52(19), 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 applicable local jurisdiction has adopted the above findings in the resolution attached as
Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be
Entity I Duties I Admin. Fee
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Percentage
Indian River County I Administer the program 1 100%
R. First-time Homebuyer Definition: For any strategies designed for first-time homebuyers,
the following definition will apply: An individual who has had no ownership in a principal
residence during the 3 -year period ending on the date of purchase of the property. This
includes a spouse (if either meets the above test, they are considered first-time homebuyers).
A single parent who has only owned a home with a former spouse while married. An
individual who is a displaced homemaker and has only owned with a spouse. An individual
who has only owned a principal residence not permanently affixed to a permanent
foundation in accordance with applicable regulations. An individual who has only owned a
property that was not in compliance with state, local or model building codes and which
cannot be brought into compliance for less than the cost of constructing a permanent
structure.
S. Project Delivery Costs: In addition to the administrative costs listed above, the county will
charge a reasonable project delivery cost not to exceed $2,750.00 to cover inspection
services, preparation of work write-ups, and construction inspections performed by non -
county employees for rehabilitation projects. Since the county Building Division is set as an
enterprise fund, if SHIP utilizes a building inspector, SHIP must reimburse the Building
Division for the building inspector's time. For all loans, housing delivery cost will also
include but not be limited to recording fees, documentary stamp tax fees, credit report fees,
title search fees, partial satisfaction of mortgage recording fees, and counseling fees. These
fees will be included in the amount of the recorded mortgage and note.
T. Essential Service Personnel Definition (ESP): ESP includes teachers and educators, other
school district, community college, and university employees, police and fire personnel,
health care personnel, and skilled building trades personnel.
U. The county will, when economically feasible as determined by cost comparison by the
assigned housing inspector, employ the following Green Building requirements on
rehabilitation repairs, emergency repairs, and new construction:
1. Low or No-VOC paint for all interior walls (Low-VOC means 50 grams per liter or less
for flat paint; 150 grams per liter or less for non -flat paint);
2. Low -flow water fixtures in bathrooms—WaterSense labeled products or the following
specifications:
a. Toilets: 1.6 gallons/flush or less;
b. Faucets: 1.5 gallons/minute or less; and
c. Showerheads: 2.2 gallons/minute or less.
3. Energy Star qualified refrigerator (for new construction);
4. Energy Star qualified dishwasher (for new construction);
5. Energy Star qualified washing machine (for new construction) if provided in units;
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6. Energy Star qualified exhaust fans in all bathrooms; and
7. Air conditioning: Minimum SEER of 14 (or higher if required by code).
V. The county will inform social service agencies serving the designated special needs
populations of available SHIP assistance to achieve the 20% goal of the special needs set-
aside. The goals will be met through all loan assistance strategies.
W. Describe Efforts to Reduce Homelessness: The Treasure Cost Homeless Services Council
(TCHSC) provides continuum of care to the homeless population within Indian River
County. County staff works with the TCHSC staff to apply for grants, exchanges
information, and provides assistance as needed.
TCHSC administers the Homeless Management Information System (HMIS). TCHSC
provides shelters, rental and utility assistance, supportive services for veteran families and
manages affordable rental properties.
X. Total assets (cash or non-cash items that can be converted to cash) not including
IRA, Keogh, similar retirement savings accounts, and dedicated college saving
accounts of an eligible household applying for SHIP assistance shall not exceed
twenty thousand dollars ($20,000.00).
Y. The maximum active SHIP loans on any property shall not exceed $60,000, except
when utilization of disaster and/or emergency funds are necessary.
Section II. LHAP Strategies:
A. Owner Occupied Rehabilitation Loans Code 3
a. Summary of Strategy: SHIP funds will be awarded to owner occupied households in
need of repairs to correct health and safety issues and code violations related to
electrical, plumbing, roofing, windows, and other structural items as well as
hurricane hardening activities. A detailed list of rehabilitation work activities
allowed or not allowed is included in the Indian River County Guidelines and
Procedures for Implementing Strategies of Local Housing Assistance Plan
document.
b. Fiscal Years Covered: 2021-2022, 2022-2023, and 2023-2024
C. Income Categories to be served: Very -low, low, and moderate
d. Maximum award:
Very Low and Low Income $60,000*
*For rehabilitation loans in
conjunction with Purchase Assistance loans, see Strategy B of this L1 AP for
maximum award allowances.
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e. Terms
1. Deferred Payment Loan (DPL): Funds will be awarded as a deferred
payment loan secured by a recorded subordinate mortgage and note.
2. Interest Rate: 3% Simple Annual Interest.
3. Years in Loan term: 10 years (5 years in conjunction with CDBG funding).
4. Forgiveness: The entire loan amount and interest accumulated will be
forgiven after 10 years of occupancy (only rehabilitation loans in
conjunction with CDBG funding will be forgiven in 5 years or upon death of
the homeowner, whichever comes first).
5. Repayment: Not required as long as the loan is in good standing.
6. Default: The loan will be determined to be in default if any of the following
occurs during the 10 year loan term: sale, transfer, or conveyance of
property; conversion to a rental property; loss of homestead exemption
status; failure to occupy the home as primary residence, or refinancing with
cash out. If any of these occur, the outstanding balance will be due and
payable.
In cases where the qualifying non-CDBG related homeowner(s) die(s)
during the loan term, the loan may be assumed by a SHIP eligible heir who
will occupy the home as a primary residence. If the legal heir is not SHIP
eligible or chooses not to occupy the home, the outstanding balance of the
loan will be due and payable.
If the home is foreclosed on by a superior mortgage holder, the county will
make an effort to recapture funds through the legal process if it is
determined that adequate funds may be available to justify pursuing a
repayment.
7. Property shall not be eligible to re -apply until after expiration of a 10 year
rehab loan, except when utilization of disaster and/or emergency
rehabilitation funds are necessary.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a
first -qualified, first-served basis with the priorities as described in section I of this
plan.
g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: All work must be performed by licensed and insured
contractors.
Applicants applying for rehabilitation assistance loans must also provide a copy of
the deed to their home. A complete application and all required documents must be
submitted to the SHIP office when an applicant's queue number is reached and
contacted by SHIP staff.
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Other Rehabilitation Loan requirements:
Rehabilitation loans shall be provided consistent with the requirements of the
County's Minimum Standards for Rehabilitation of Residential Properties document.
Rehabilitation loans will not be awarded for rehabilitation work completed prior to
the county loan approval.
For additional information please see the Indian River County Guidelines and
Procedures for Implementing Strategies of Local Housing Assistance Plan
document.
j. Residential Construction Hurricane Mitigation (RCMP):
The county will match SHIP funds with My Safe Florida Home Funds for hurricane
resistant retrofit improvements to owner occupied site built homes to reduce
potential future hurricane damage. If applicable, the county shall advertise the
availability of My Safe Florida Home funds, accept applications from very low, low,
and moderate income homeowners with homestead exemptions for homes that have
insured values not exceeding$294,601 (SHIP program maximum). Applications will
be reviewed on first qualified, first served basis.
Eligible retrofit improvements work activities include the following:
1. Improving the strength of the roof deck attachment
2. Creating a secondary water barrier to prevent water intrusion
3. Improving the survivability of the roof covering
4. Bracing gable -ends in the roof framing
5. Reinforcing roof -to -wall connections
6. Upgrading exterior wall opening protections
7. Upgrading exterior doors
B. Purchase Assistance with Rehabilitation Loans Code 1
a. Summary of Strategy: SHIP funds will be awarded for downpayment and closing
costs as well as principal reduction to households to purchase an existing home. An
existing home must be in need of rehabilitation.
Prospective homebuyers must qualify as a First Time Homebuyer under the HUD
definition: An individual who has had no ownership in a principal residence during
the 3 -year period ending on the date of purchase of the property. This includes a
spouse (if either meets the above test, they are considered first-time homebuyers). A
single parent who has only owned with a former spouse while married. An
individual who is a displaced homemaker and has only owned with a spouse. An
individual who has only owned a principal residence not permanently affixed to a
permanent foundation in accordance with applicable regulations. An individual who
has only owned a property that was not in compliance with state, local or model
building codes and which cannot be brought into compliance for less than the cost
of constructing a permanent structure.
b. Fiscal Years Covered: 2021-2022, 2022-2023, and 2023-2024
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C. Income Categories to be served: Very -low, low and moderate
d. Maximum award:
elaw
P
y
Very Low $20,000 $12,000 $32 000
Low $15,000 $11,500 $26500
Moderate $10,000 $11,000 $21,000
e. Terms:
1. Deferred Payment Loan (DPL): Funds will be awarded as a deferred
payment loan secured by a recorded subordinate mortgage and note.
2. Interest Rate: 3% Simple Annual Interest.
3. Years in Loan term: 20 years for Purchase Assistance Portion and 10 Years
for Rehabilitation Portion.
4. Forgiveness: The entire loan amount and interest accumulated will be
forgiven after 20 years of occupancy for the Purchase Assistance Portion
and 10 years of occupancy for the Rehabilitation Portion.
5. Repayment: Not required as long as the loan is in good standing
6. Default: The loan will be determined to be in default if any of the following
occurs during the loan term (20 years for Purchase Assistance Portion and
10 years for Rehabilitation Assistance Portion): sale, transfer, or conveyance
of property; conversion to a rental property; loss of homestead exemption
status; failure to occupy the home as primary residence or refinancing with
cash out. If any of these occur, the outstanding balance will be due and
payable.
In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan may be assumed by a SHIP eligible heir who will occupy the home as a
primary residence. If the legal heir is not SHIP eligible or chooses not to
occupy the home, the outstanding balance of the loan will be due and
payable.
If the home is foreclosed on by a superior mortgage holder, the county will
make an effort to recapture funds through the legal process if it is
determined that adequate funds may be available to justify pursuing a
recapture.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a
first -qualified, first-served basis with the priorities for Special Needs income groups
as described in section I of this plan.
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g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: Applicants must secure a first mortgage from a lender.
Applicants for purchase assistance loans must also provide a pre -qualification letter
from a lender.
For additional information please see the Indian River County Guidelines and
Procedures for Implementing Strategies of the Local Housing Assistance Plan.
No existing SHIP mortgage will be subordinated to a refinanced first mortgage
unless the following requirements are met:
Requirements for a Refinanced First Mort a e
Maximum
Maximum Interest Rate
Maximum First Mortgage
Maximum Points Allowed
Term
Allowed
Amount Allowed
Allowed
30 Years
Must be a fixed rate loan,
Not to exceed the original first
For purchase assistance
and interest rate must be
mortgage amount. Any available
loans up to 1 point allowed
lower than the existing
equity up to the original mortgage
first mortgage interest
amount may be used for closing
For other loans up to 2
rate.
costs associated with the
points allowed
refinancing.
No cash out to a licant
C. Purchase Assistance without Rehabilitation Loans I Code 2
a. Summary of Strategy: SHIP funds will be awarded for downpayment and closing
costs as well as principal reduction to households to purchase a newly constructed
home. A newly constructed home must have received a certificate of occupancy
within the last twelve months.
Prospective homebuyers must qualify as a First Time Homebuyer under the HUD
definition: An individual who has had no ownership in a principal residence during
the 3 -year period ending on the date of purchase of the property. This includes a
spouse (if either meets the above test, they are considered first-time homebuyers). A
single parent who has only owned with a former spouse while married. An
individual who is a displaced homemaker and has only owned with a spouse. An
individual who has only owned a principal residence not permanently affixed to a
permanent foundation in accordance with applicable regulations. An individual who
has only owned a property that was not in compliance with state, local or model
building codes and which cannot be brought into compliance for less than the cost
of constructing a permanent structure.
b. Fiscal Years Covered: 2021-2022, 2022-2023, and 2023-2024
C. Income Categories to be served: Very -low, low and moderate
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d. Maximum award: Very Low: $20,000
Low $15,000
Moderate $10,000
e. Terms:
7. Deferred Payment Loan (DPL): Funds will be awarded as a deferred
payment loan secured by a recorded subordinate mortgage and note.
8. Interest Rate: 3% Simple Annual Interest.
9. Years in Loan term: 20 years.
10. Forgiveness: The entire loan amount and interest accumulated will be
forgiven after 20 years of occupancy.
11. Repayment: Not required as long as the loan is in good standing.
12. Default: The loan will be determined to be in default if any of the following
occurs during the 20 year loan term: sale, transfer, or conveyance of
property; conversion to a rental property; loss of homestead exemption
status; failure to occupy the home as primary residence or refinancing with
cash out. If any of these occur, the outstanding balance will be due and
payable.
In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan may be assumed by a SHIP eligible heir who will occupy the home as a
primary residence. If the legal heir is not SHIP eligible or chooses not to
occupy the home, the outstanding balance of the loan will be due and
payable.
If the home is foreclosed on by a superior mortgage holder, the county will
make an effort to recapture funds through the legal process if it is
determined that adequate funds may be available to justify pursuing a
recapture.
f. Recipient Selection Criteria: Applicants will be ranked for assistance based on a
first -qualified, first-served basis with the priorities for Special Needs income groups
as described in section I of this plan.
g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: Applicants must secure a first mortgage from a lender.
Applicants for purchase assistance loans must also provide a pre -qualification letter
from a lender.
For additional information please see the Indian River County Guidelines and
Procedures for Implementing Strategies of the Local Housing Assistance Plan.
j. No existing SHIP mortgage will be subordinated to a refinanced first mortgage
unless the following requirements are met:
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J -R. SMITH, CLERK
Requirements for a Refinanced First Moritig e
Maximum
Maximum Interest Rate
Maximum First Mortgage
Maximum Points Allowed
Term
Allowed
Amount Allowed
Allowed
30 Years
Must be a fixed rate loan,
Not to exceed the original first
For purchase assistance
and interest rate must be
mortgage amount. Any available
loans up to 1 point allowed
lower than the existing
equity up to the original mortgage
first mortgage interest
amount may be used for closing
For other loans up to 2
rate.
costs associated with the
points allowed
refinancing.
No cash out to a licant
D. Emergency Repair Loans Code 6
a. Summary of Strategy: Funds will be awarded to applicants in need of rehabilitation
of their home related to a dire situation that needs to be mitigated immediately. This
includes: damaged roofing that is leaking, damaged windows causing exposure to
the elements, or electrical or plumbing, including septic tank problems, that could
cause damage (fire) to the home or is an immediate health hazard to the occupants.
This strategy may be used in cases where the health department, a jurisdiction's
building official, or SHIP administrator utilizing a SHIP inspector's inspection
report(s) determined that a home is in such a condition that it jeopardizes the
occupant's health and safety. When an applicant is assisted with emergency repairs,
they will not lose their place on the queue list. However, the amount of funds
expended for the emergency repairs will be counted towards the maximum award if
the applicant receives subsequent assistance through the rehabilitation strategy.
Funds may also be awarded to pay insurance deductibles for any emergency repairs
covered by the homeowner's policy.
b. Fiscal Years Covered: 2021-2022, 2022-2023, and 2023-2024
C. Income Categories to be served: Very -low, low, moderate
d. Maximum award: $25,000
e. Terms:
1. Deferred Payment Loan (DPL): Funds will be awarded as a deferred payment
loan secured by a recorded subordinate mortgage and note.
2. Interest Rate: 3% Simple Annual Interest.
3. Years in Loan term: 10 years.
4. Forgiveness: The entire loan amount and interest accumulated will be forgiven
after 10 years of occupancy.
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5. Repayment: Not required as long as the loan is in good standing.
6. Default: The loan will be determined to be in default if any of the following
occurs during the 10 year loan term: sale, transfer, or conveyance of property;
conversion to a rental property; loss of homestead exemption status; or failure to
occupy the home as primary residence or refinancing with cash out. If any of
these occur, the outstanding balance will be due and payable.
In cases where the qualifying homeowner(s) die(s) during the loan term, the loan
may be assumed by a SHIP eligible heir who will occupy the home as a primary
residence. If the legal heir is not SHIP eligible or chooses not to occupy the
home, the outstanding balance of the loan will be due and payable.
If the home is foreclosed on by a superior mortgage holder, the county will
make an effort to recapture funds through the legal process if it is determined
that adequate funds may be available to justify pursuing a recapture.
f. Recipient Selection Criteria: Applicants will be selected on a first -qualified, first-
served basis with the priorities as described in Section I of this plan.
g. Sponsor/Developer Selection Criteria: N/A
h. Additional Information: An applicant requesting an emergency repair will be
required to:
1. Allow the health department inspector, building department inspector, or
rehabilitation specialist to access the home for an inspection to determine the
need for the repair.
2. Provide proof of homeowner's insurance policy if it is available, any proof
whether or not the insurance will cover any part of the repair, and if applicable,
insurance award to be completed prior to SHIP award.
For additional information please see the Indian River County Guidelines and
Procedures for Implementing Strategies of Local Housing Assistance Plan
document.
E. Disaster Mitigation Loans I Code 5
a. Summary of Strategy: Funds will be awarded to applicants in need of home repairs
directly caused by a disaster that is declared by an Executive Order of the President or
Governor. Repairs will be prioritized as follows:
1. Immediate threats to health and life safety (such as sewage, damaged
windows, roofing) in cases where the home is still habitable.
2. Imminent residual damage to the home (such as damage caused by a leaking
roof) in cases where the home is still habitable.
3. Repairs necessary to make the home habitable.
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4. Repairs to mitigate dangerous situations (such as exposed wires).
b. Fiscal Years Covered: 2021-2022, 2022-2023, and 2023-2024
C. Income Categories to be served: Very -low, low, moderate
d. Maximum award: $30,000
e. Terms:
I. Deferred Payment Loan (DPL): Funds will be awarded as a deferred
payment loan secured by a recorded subordinate mortgage and note.
2. Interest Rate: 3% Simple Annual Interest.
3. Years in loan term: 10 years.
4. Forgiveness: The entire loan amount and interest accumulated will be
forgiven after 10 years of occupancy.
5. Repayment: Not required as long as the loan is in good standing.
6. Default: The loan will be determined to be in default if any of the following
occurs during the 10 year loan term: sale, transfer, or conveyance of
property; conversion to a rental property; loss of homestead exemption
status; failure to occupy the home as primary residence or refinancing with
cash out. If any of these occur, the outstanding balance will be due and
payable.
In cases where the qualifying homeowner(s) die(s) during the loan term, the
loan may be assumed by a SHIP eligible heir who will occupy the home as a
primary residence. If the legal heir is not SHIP eligible or chooses not to
occupy the home, the outstanding balance of the loan will be due and
payable.
7. If the home is foreclosed on by a superior mortgage holder, the county will
make an effort to recapture funds through the legal process if it is
determined that adequate funds may be available to justify pursuing a
recapture.
f. Recipient Selection Criteria: Applicants will be assisted on a first -qualified, first-
served basis with the priorities for Special Needs income groups as described in
section I of this plan.
1. Proof of homeowner's insurance if available.
2. Must file for and use proceeds from insurance as first option.
3. Must file for FEMA, SBA and other assistance available prior to applying to
SHIP.
g. Sponsor/Developer Selection Criteria: N/A
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J.R. SMITH, CLERK
h. Additional Information: Funds for disaster mitigation will only be allocated from
unencumbered funds or additional funds awarded through Florida Housing Finance
Corporation for the disaster.
For additional information please see the Indian River County Guidelines and
Procedures for Implementing Strategies of Local Housing Assistance Plan
document.
F. Impact Fee / Capacity Charge Loans Code 8
a. Summary of the Strategy: To assist income eligible persons with the cost of impact
fees and/or water and sewer capacity charges for owner occupied housing units
anywhere in Indian River County.
b. Fiscal Years Covered: 2021-2022, 2022-2023, and 2023-2024
C. Income Categories to be served: Very Low, low, moderate (in conjunction with PA
loan only)
d. Maximum award: $20,000 (current average actual cost range from $4,423 to
$10,993)
e. Terms:
Deferred Payment Loan (DPL); Funds will be awarded as a deferred
payment loan secured by a recorded subordinate mortgage and note.
2. Interest Rate: 3% Simple Annual Interest.
3. Years in loan term: 10 years (5 years in conjunction with CDBG
funding).
4. Forgiveness: The entire loan amount and interest accumulated will
be forgiven after 10 years of occupancy (5 years if in conjunction
with CDBG funding).
5. Repayment: Not required as long as the loan is in good standing.
6. Default: The loan will be determined to be in default if any of the
following occurs during the 10 year loan term, sale, transfer, or
conveyance of property; conversion to a rental property; loss of
homestead exemption status; failure to occupy the home as primary
residence or refinancing with cash out. If any of these occur, the
outstanding balance will be due and payable.
7. In cases where the qualifying homeowner(s) die(s) during the loan
term, the loan may be assumed by a SHIP eligible heir who will
occupy the home as a primary residence. If the legal heir is not
SHIP eligible or chooses not to occupy the home, the outstanding
balance of the loan will be due and payable.
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J.R. SMITH, CLERK
8. If the home is foreclosed on by a superior mortgage holder, the
county will make an effort to recapture funds through the legal
process if it is determined that adequate funds may be available to
justify pursuing a recapture.
Recipient Selection Criteria: Applicants will be assisted on a first -qualified, first-
served basis with the priorities for Special Needs income groups as described in
Section I.
g. Additional Information: Impact Fee Capacity Charge loans will be based on actual
amount of impact fees/capacity charges charged by the county.
h. For additional information please see the Indian River County Guidelines and
Procedures for Implementing Strategies of the Local Housing Assistance Plan.
G. New Construction (Federal or State Programs Matching Loans) Code 21
a. Summary of the Strategy: To assist non-profit organizations, and for-profit
developers with matching funds needed to obtain federal or state housing programs
funding for development of rental affordable housing projects.
b. Fiscal Years Covered: 2021-2022, 2022-2023, and 2023-2024
C. Income Categories to be served: Very low, low and moderate
d. Maximum award: $25,000 per unit, and $100,000 per project. These amounts
may be administratively lowered by SHIP staff with Loan Review Committee
approval if limited SHIP funds are available (due to a larger waiting/que list than
funds available) and/or if a lower award amount will achieve the same point
outcome for federal or state housing programs funding for development of rental
affordable housing projects.
e. Terms:
Deferred Payment Loan (DPL): Funds will be awarded as a deferred
payment loan secured by a recorded subordinate mortgage and note.
2. Interest Rate 3%
3. Term 10 years
Forgiveness: the entire loan amount and interest accumulated will be
forgiven after 10 years of compliance with federal and state housing
program requirements.
5. Repayment: Not required as long as the project is constructed and
meets the federal or state housing program requirements for occupancy
by very low, low, and/or moderate income households.
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J.R. ShilITH, CLERK
6. Default: When the assisted housing has changed to a market rate prior
to 10 years. In that case, the entire original loan and accumulated
interest amount is due and payable.
7. Recipient Selection Criteria: Non-profit organizations or for-profit
developers eligible to participate in the local housing assistance program
must submit a federal or state housing funding application to the
appropriate agency to qualify. Assistance will be provided to projects
which receive an award of funds from a federal or state housing
programs. Factors that may be considered in selecting the
sponsor/developer may include, but is not limited to:
a. Capacity and Capability to Carry -out Project
b. Scale of Project/Utilization of Density Bonuses
c. Experience in Completing Similar Projects
d. Use of Personnel from Wages and Workforce Development
Programs
e. Leveraging
f. Site Control
g. Neighborhood Compatibility with Area Redevelopment Plan
h. Creation of Mixed Income Communities
i. Recapture Provisions
j. Incorporation of Partnerships with Local Employers, Institutions,
Hospitals and Schools
k. Incorporation of Transit -Oriented Design
1. Attractiveness of Design
in. Multistory Buildings Must Have Elevators and be ADA Compliant
n. Use of Green Building Techniques
f. Additional Information: The compliance period for developments receiving SHIP
funds as a match for any federal and/or state funds will be consistent with applicable
federal and state fund requirements. Monitoring of these developments will be done
through the appropriate federal or state programs.
Developers receiving assistance from both SHIP and from the Low Income Housing
Tax Credit (LIHTC) program shall be required to comply with the income,
affordability and other LIHTC requirements. Similarly, any units receiving
assistance from SHIP and other federal, state or local programs shall be required to
comply with any requirements specified by the other program in addition to SHIP
program requirements. In the event both programs have restrictions on the same
issue, the more restrictive regulation shall take precedence. If one program is silent
on an issue, the program with a regulation on the issue shall apply. 67-37.007(12)
F.A.C.
g. For additional information please see the Indian River County Guidelines and
Procedures for Implementing Strategies of Local Housing Assistance Plan
document.
III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives
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J.R. SMITH, CLERK
with the policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3) for affordable housing projects are expedited to
a greater degree than other projects (Housing Element policies 1.5 and 1.6)
- Housing Element Policy 1.5
POLICY 1.5: By 2000, the county shall assess its existing permit processing procedure and, if warranted,
establish a full one-stop permitting process.
- Housing Element Policy 1.6
POLICY 1.6: The County shall take all necessary steps to eliminate delays in the review of affordable
housing development projects. In order to define delay, the county hereby establishes the following
maximum timeframes for approval of projects when an applicant provides needed information in a timely
manner:
- Administrative approval - 5 days;
- Minor site plan - 5 weeks;
- Major site plan - 6 weeks; and
- Special exception approval - 13 weeks.
Whenever these review times increase by 150% or more due to the work load of the review staff, the county
will begin prioritizing the review of affordable housing development project applications. In prioritizing
affordable housing development project applications, staff will schedule affordable housing project
applications for review before other types of project applications to ensure that maximum review timeframes
are not exceeded for affordable housing projects.
In 2019, after recommendation from the Affordable Housing Advisory Committee (AHAC), the County
revised the permit expediting process to make identification of affordable housing permits more identifiable.
For hardcopy permit application submissions, the new process uses a bright neon green affordable housing
permit expediting form and a similarly colored permit review folder to designate the permit as a permit that
must be expedited.
More recently in 2020 in response to the COVID-19 health crisis, the Community Development Department
implemented an electronic permit e-mail application process for all building permits. The process is
currently being changed over to a permanent process. While not specific to affordable housing, the electronic
permit application process will eliminate the time it takes to produce paper copies and have them delivered.
With this process, applicants may request that the permit be expedited in the subject line of the e-mail and
provide a copy of the neon green permit expediting form.
B. Name of the Strategy: Ongoing Review Process
An ongoing process for review of local policies, ordinances, regulations and plan provisions
that increase the cost of housing prior to their adoption (Housing Element Policy 1.7).
- Housing Element Policyy 1.7
POLICY 1.7: As part of the adoption process for any county regulations which could affect housing
development, county planning staff shall prepare a Financial Impact Statement to assess the anticipated
impact of the proposed regulation on the cost of housing. When proposed regulatory activities are anticipated
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J.R. SMITH, CLERK
to increase the estimated cost per unit projection. The financial impact statement then will be reviewed by
the Professional Services Advisory Committee, the Planning and Zoning Commission, and, if possible, the
Affordable Housing Advisory Committee. Those groups shall consider the regulation's effect on housing
cost in making their recommendation to the Board of County Commissioners. The Board of County
Commissioners will consider the financial impact statement in making its final decision on the adoption of
any proposed regulations.
C. Other Incentive Strategies Adopted:
1. Regulations providing up to a 20% density bonus for affordable housing
development projects (housing element policy 2.5, Land Development Regulations
Section 911.14(4)(a)).
2. Regulations allowing for small lot subdivisions with reduced setbacks, lot size, and
lot width requirements for Workforce or Affordable Housing subdivision projects
(Land Development Regulations, Chapter 911 and section 971.41(9)).
3. Regulations allowing for accessory single-family dwelling units in all agricultural
and residential zoning districts (Land Development Regulations, Chapter 911 and
Section 971.41(10)).
4. Regulations allowing multi -family dwelling units in conjunction with commercial
development, such as apartments over commercial buildings (Land Development
Regulations Section 911.10 and Section 971.41 (6)).
5. Policies for expedited permit processing (Housing Element policies 1.5 and 1.6).
6. Policy for review of proposed local policies or regulations, which may increase the
cost of housing (Housing Element policy 1.7).
7. Inventory of all surplus county owned land (Housing Element policy 2.4).
8. Policy for financing impact fees or payment of impact fees (Housing Element policy
4.3 and policy 4.4).
9. New single-family housing impact fee reduction/waiver categories added to County
impact fee schedule; reducing or eliminating impact fees for certain sized housing
units occupied by households with household incomes below 80% of the Area
Median Income.
10. Policy for expediting permits for housing projects utilizing new construction
technology (green building, Energy Star Program) (Housing Element policy 1.8).
11. Policy for support of development near transportation hubs or major employment
centers (Housing Element policy 1.9).
12. Policy for assistance to non-profit housing organizations to establish CLTs (Housing
Element policy 4.10).
13. Policy for assistance to non-profit organizations to establish CDCs (Housing
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Element policy 4.11).
14. Policy for assistance to employers for establishing employer assisted housing
programs (Housing Element policy 4.12).
15. Policy for establishing a private/public housing trust fund (Housing Element policy
4.13).
16. Regulations allowing zero lot line subdivisions (Land Development Regulations
Section 915.15).
17. Establishment of a Local Housing Assistance Program, allowing the county to
utilize State Housing Initiatives Partnership (SHIP) program funds for the provision
of affordable housing (Local Housing Assistance program, Local Housing
Assistance plan, Housing Element policies 2.7, 3.6, 4.4, 4.6, 4.7, 4.9, and 9.1).
IV. EXHIBITS:
A. Administrative Budget for 2021-2022, 2022-2023, and 2023-2024
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Charts (HDGC) For 2021-2022, 2022-2023, and 2023-2024
D. Signed LHAP Certification
E. Signed, Dated, Witnessed or Attested Adopting Resolution
F. Ordinance: No Change to the Original Ordinance
G. Interlocal Agreement: No Interlocal Agreement
H. State Housing Initiatives Partnership (SHIP) Program Information Sheet
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ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
Exhibit A
Indian River
A. TRUE COPY
CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
Exhibit A
Fiscal Year: 2021-2022
Estimated SHIP Funds for Fiscal Year:
$
358,231.00
Salaries and Benefits
$
25,823.10
Office Supplies and Equipment
$
3,000.00
Travel Per diem Workshops, etc.
$
1,000.00
Advertising
$
1,000.00
Other*
$
5,000.00
Total
$
35,823.10
Admin %
10.00%
OK
Fiscal Year 2022-2023
Estimated SHIP Funds for Fiscal Year:
$
358,231.00
Salaries and Benefits
$
25,823.10
Office Supplies and Equipment
$
3,000.00
Travel Per diem Workshops, etc.
$
1,000.00
Advertising
$
1,000.00
Other*
$
5,000.00
Total
$
35,823.10
Admin %
10.00%
OK
Fiscal Year 2023-2024
Estimated SHIP Funds for Fiscal Year:
$
358,231.00
Salaries and Benefits
$
25,823.10
Office Supplies and Equipment
$
3,000.00
Travel Per diem Workshops, etc.
$
1,000.00
Advertising
$
1,000.00
Other*
$
5,000.00
Total
$
35,823.10
Admin %
10.00%
OK
*All 'other" items need to be detailed here and are subject to review and approval by
the SHIP review committee. Project Delivery Costs that are outside of administrative
costs are not to be included here, but must be detailed in the LHAP main document.
Details: Other = Professional Services. There will also be additional administrative
income from SHIP program loan repayments and interest earned (not included in the
above numbers).
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CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
[eff. date]
Exhibit 6
Timeline for SHIP Expenditures
Indian River County affirms that funds allocated for these fiscal years will meet the following deadlines:
Fiscal Year Encumbered
Expended
1" Year AR
2"d Year AR
Closeout AR
2021-2022 6/30/2023
6/30/2024
9/15/2022
9/15/2023
9/15/2024
2022-2023 6/30/2024
6/30/2025
9/15/2023
9/15/2024
9/15/2025
2023-2024 6/30/2025
6/30/2026
9/15/2024
9/15/2025
9/15/2026
If funds allocated for these fiscal years is not anticipated to meet any of the deadlines in the table above,
Florida Housing Finance Corporation will be notified according to the following chart:
Fiscal Year
Funds Not
Encumbered
Funds Not
Expended
1St Year AR
Not
Submitted
2nd Year AR
Not
Submitted
Closeout AR
Not
Submitted
2021-2022
3/30/2023
3/30/2024
6/15/2022
6/15/2023
6/15/2024
2022-2023
3/30/2024
3/30/2025
6/15/2023
6/15/2024
6/15/2025
2023-2024
3/30/2025
3/30/2026
6/15/2024
6/15/2025
6/15/2026
Requests for Expenditure Extensions (close-out year ONLY) must be received by FHFC by June 15 of the
year in which funds are required to be expended. The extension request shall be emailed to
robert.dearduff floridahousing.org and terry.auringer@)floridahousing.org and include:
1. A statement that "(city/county) requests an extension to the expenditure deadline for fiscal
year
2. The amount of funds that is not expended.
3. The amount of funds that is not encumbered or has been recaptured.
4. A detailed plan of how/when the money will be expended.
Note: an extension to the expenditure deadline (June 30) does not relieve the requirement to submit
(September 15) the annual report online detailing all funds that have been expended. Please email
terry.ouringer@floridahousing.org when you are ready to "submit" the AR.
Other Key Deadlines:
AHAC reports are due for each local government the same year as the local government's LHAP being
submitted. Local governments receiving the minimum or less allocation are not required to report.
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J.R. SMITH, CLERK
Exhibit C
Code Rental
Qualifies for VU Units Max. SHIP I U Units Max. SHIP
75%set-aside Award Award
FLORIDA HOUSING FINANCE CORPORATION
New [onstmcebn
WthoM
Construction
Total
Units
21 New Constmctbn(UHTC Proje t)
Yes 1 $25,000 $25,000
$25,000
HOUSING DELIVERY GOALS CHART
$0.00
$25,000.00
1
50.00
2021-2022
$0.00
0
Name of Local Government:
$0.00
Indian River County
D
$0.00
Estimated Funds (Anticipated allocation only):
Strategies
Code Qualifies for
Nomeownership 75% set-aside
$ 358,233
Max. SHIP Max. SHIP Mod
VD Units Award UUnts Award Units
Max. SHIP
Award
New Construction
Without
construction
Total
Units
8 Impact Fee/Capacty Charges loan
Yes
1 $20,000 $20,000
$20,000
$20,000.00
$0.00
$20,000.00
1
1 Purchase Assistance Ina. with Rehab
Yez
$32,500 1 $32,500
$32,500
$32,500.00
$0.00
$32,500.00
1
2 Purchase Assistance Loan without Rehab
No
1 $20,000 $20,0001
$20,0001
$0.00
$20,000.00
$20,000.001
1
3 Owner Occupied ReMbilkation Loan
Yes
1 $60,0001 1 $60,000
$60,000
$120,000.00
$0.00
$120,OOD.00
2
6 Emerge.Repair30Year Loan
Yes
2 $25,000 1 $25,000 1
$25,000
$300,000.00
$0.00
$100,000.00
4
5 Disaster Mitigation Repair 10 Year Loan
Yes
$30,000 $30,000
$30,000
$0.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
$0.00
$Roo
$0.00
0
$0.00
$0.00
$0.00
$0.00
0
Taal Homeownership
3 1
$272,500.00
$20,000.00
$292,500.00
9
Purchase Price Limns:
New $ 294,601 Existing $ 294,60
Code Rental
Qualifies for VU Units Max. SHIP I U Units Max. SHIP
75%set-aside Award Award
Mod Max. SHIP
Units Award
New [onstmcebn
WthoM
Construction
Total
Units
21 New Constmctbn(UHTC Proje t)
Yes 1 $25,000 $25,000
$25,000
$25,000.00
$0.00
$25,000.00
1
50.00
$0.00
$0.00
0
5D.0o
$0.00
$0.00
D
$0.00
$0.00
$0.00
0
SD.DD
$0.00
$0.00
0
$0.00
$0.00
$0.001
0
Total Rental
1 0
0
$25,000.00
$0.00
$25,000.00
1
Administration Fees
$ 35,823.10 10%^
<r;
Home Ownership Counseling
--T-
$
Totel All Funds
$ 353,323 J,.
Percentage Construction/Rehab (75% requirement)
83.0°.6
Homeownership % (65%requirement)
81.7% OK
Rental Restriction (25%)
7.0% OK
i
Very -Low lncame(3D% requim-M)
1 $ 175,000 48.9% OK
Low Inoo-130% requirement)
Moderate Income
$ 117,500 32.8% OK
5 25.000 7__.-
A TRUE COPY
CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
Exhibit C
Code Rental
Qualifies for VU Units Max. SHIP ll Units Max. SHIP
75%set-aside Award Awartl
FLORIDA HOUSING FINANCE CORPORATION
New Construction
Without
Construction
Total
Units
21 New Construction (UHTC Project)
Yes 1 $25,000 $25,000
$2S,0001
HOUSING DELIVERY GOALS CHART
$0.001
$25,000.00
1
$0.00
2022-2023
$0.00
0
Name of Local Government:
Estimated Funds [Anticipated allocation only):
Strategies
Code
Homeownership
Indian River County
$ 358,231'
Qualifies for VU Units Max. SHIP U Units Max. SHIP Mod
75% set-aside Award Award Units
Max. SHIP
Award
New Construction
Without
Construction
Total
Units
8 Impact Fee/Capacity Charges Loan
Yes
1 $20,000 $20,000
$20,000
$20,000.00
$0.00
$20,000.00
1
1 Purchase Assistance Loan with Rehab
Yes
$32,500 1 $32,500
$32,500
$32,500.00
$0.00
$32,500.00
1
2 Purchase Assistance loan without Rehab
No
1 $20,000 $20,000
$20,000
$0.00
$20,000.001
$20,000.00
1
3 Owner Occupied Rehabilitation Loan
Yes
1 $60,000 1 $60,000
$60,0001
$120,000.00
$0.00
$120,000.00
2
6 Emergency Repair 30 Year loan
yes
2 $25,000 3 $25,000 1
$25,13001
$100,000.00
$0.00
$100,000.00
4
5 Waster Mitigation Repair 10 Year loan
Yes
$30,000 $30,0D0
$30,000
5o.o0
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
$0.00
$0.00
50.00
0
50.00
$0.00
$0.00
0
$o.OD
50.00
$0.00
0
1-1 Homeownership
5 3 1
$272,500.00
$20,000.00
$292,500.00
9
Purchase price Umits:
New S 294,601 Existing $ 294,601
Code Rental
Qualifies for VU Units Max. SHIP ll Units Max. SHIP
75%set-aside Award Awartl
Mod M ---SHIP
Units Award
New Construction
Without
Construction
Total
Units
21 New Construction (UHTC Project)
Yes 1 $25,000 $25,000
$2S,0001
$25,000.001
$0.001
$25,000.00
1
$0.00
$0.001
$0.00
0
50.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
Total Rental
1 0
0
$25,000.00
$0.00
$25,000.00
1
Administration Fees
$ 35,823.10 10%
0i'.
Home Ownenhip Counseling
$
Total All Funds
$ 353,323 +i
Percentage Construction/Rehab (75% requirement)
83.0%
OK
Homeownership % (65% requirement)
81.7%
OK
Rental Restriction (25%)
7.0%
OK
Very-Lowlncome(30%requirement)
$ 175,000 48.9%
OK
Low Income (30% requirement)
Moderate Income
$ 117,500 32.8%
5 25.0001 7.0%
A TRUE COPY
CERTIFICATION ON LAST PAGE
J,R. SMITH, CLERK
Exhibit C
Code Rental
Qualifies for VU Units Max. SHIP
75%set-aside Award
FLORIDA HOUSING FINANCE CORPORATION
Mod%N*-
Unl[s-111-ctbn
on
Without
Total
Units
21 New Cotsttuctbn(URTC Project)
Yes 1 $25,000
HOUSING DELIVERY GOALS CHART
.00
$0.00
$25,ODD.00
1
2023-2024
.00
$0.00
$0.00
0
Name of Local Government:
Indian River County
.00
$0.00
$0.00
0
Estimated Funds(Anticipeted albraticn onill
Strategies
Code
Homeownership
$
tlualifies for VU Units
75%set-aside
358,231
Max. SHIP
Award
UUnits Max. SHIP Mod
Award Units
Max.SHIP
Award
New Construction
Without
construction
Total
Units
8 ImpaR Fea/6padtY Charges Wan
Yes
1 $20,000
$20,000
$20,000
$20,000.00
$0.00
$20,000.00
1
1 Purchase Assistance Wan wkh Rehab
Yes
$32,500
1 $32,500
$32,500
$32,500.00
$0.00
$32,500.00
1
2 Furth- Awbtanx Wan without Rehab
No
1 $20,000
$20,000
$20,000
$0.00
$20,000.00
$20,000.00
1
3 Owner Ocxupled RehabRkatbn Lan
Yes
1 $60,000
1
$ 35,623.10
$120,000.00
$0.00
$120,000.00
2
6 Emergency Repair 10 Year Wan
Ves
2 $25,000
1
000
$100,000.00
$0.00
$100,000.00
4
5 Disaster Mkigrtbn Repair 20 Year las
Yes
$30,000
"$25,00C11
000
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
$0.00
$0.00
$0.00
0
Total Homeownership
5
3 1
00.00
$272,5,000.00
$20
$292,500.00
9
Purchase Prig Umks:
New
$ 294,60
Existing $ 294,601
Code Rental
Qualifies for VU Units Max. SHIP
75%set-aside Award
UUnits Max. SHIP
Award
Mod%N*-
Unl[s-111-ctbn
on
Without
Total
Units
21 New Cotsttuctbn(URTC Project)
Yes 1 $25,000
$25,000
.00
$0.00
$25,ODD.00
1
.00
$0.00
$0.00
0
.00
$0.00
$0.00
0
.00
$0.00
$0.00
0
.00
$0.00
$0.00
0
.00
$0.00
$0.00
0
Total Rental
10
0.00
$0.00
$25,000.00
1
Adminirtration Fees
$ 35,623.10
10%
O±:
- - "
Home Ownership Counseling
$
Total All Funds
$ 353,323 t�+
Percentage Construction/Rehab (75% requiramem)
83.0%
Homeownership % (65%requiramem)
81.7% OK
Rental Restriction (25%)
7.0% OK
Very -Low inmme(30% requirement)
IS 175,000 1 48.9% OK
Ww lncome(30% requirement)
$ 117,500 1 32.8%1 OK
A TRUE COPY
CERTIFICATION ON LAST PAGE
Exhibf JDLERK
67-37.005(1), F.A.C.
[eff. date]
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government or Interlocal Entity: Indian River County, Florida
Certifies that:
(1) The availability of SHIP funds will be advertised pursuant to program requirements in 420.907-
420.9079, 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, color, national origin, sex, handicap, familial status, or religion.
(3) A process to determine eligibility and for selection of recipients for funds has been
developed.
(4) Recipients of funds will be required to contractually commit to program guidelines and loan
terms.
(5) Florida Housing will be notified promptly if the local government /interlocal entity will be
unable to comply with any provision of the local housing assistance plan (LHAP).
(6) The LHAP provides a plan for the encumbrance of funds within twelve months of the end of the
State fiscal year in which they are received and a plan for the expenditure of SHIP funds including
allocation, program income and recaptured funds within 24 months following the end of the State
fiscal year in which they are received.
(7) The LHAP conforms to the Local Government Comprehensive Plan, or that an amendment to the
Local Government Comprehensive Plan will be initiated at the next available opportunity to insure
conformance with the LHAP.
(8) Amendments to the approved LHAP shall be provided to the Florida Housing for review and/or
approval within 21 days after adoption.
(9) The trust fund exists with a qualified depository for all SHIP funds as well as program income or
recaptured funds.
(10) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted by law.
(11) The local housing assistance trust fund shall be separately stated as a special revenue fund in the
local governments audited financial statements (CAFR). An electronic copy of the CAFR or a
hyperlink to the document shall be provided to Florida Housing by June 30 of the applicable year.
(12) Evidence of compliance with the Florida Single Audit Act, as referenced in Section 215.97, F.S.
A TRUE COPY
.16WIWN ON LAST PAGE
[eff. date]
shall be provided to Florida Housing by June 30 of the applicable year.
(13) SHIP funds will not be pledged for debt service on bonds.
(14) 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.
(15) 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 serve eligible persons.
(16) Rental Units constructed or rehabilitated with SHIP funds shall be monitored for
compliance with tenant income requirements and affordability requirements or as required
in Section 420.9075 (3)(e). To the extent another governmental entity provides
periodic monitoring and determination, a municipality, county or local housing financing
authority may rely on such monitoring and determination of tenant eligibility.
(17) The LHAP meets the requirements of Section 420.907-9079 FS, and Rule Chapter 67-37
FAC.
(18) The provisions of Chapter 83-220, Laws of Florida have not been implemented (except for
Miami -Dade County).
Witness
Witness
Date
z'
Attest:
(Seal)
Chief Elected Official or designee
Joseph E. Flescher. BCC Chairman
Type Name and Title
2
A TRUE COPY
CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
Exhibit E
67-37.005(1), F.A.C.
[eff. date]
RESOLUTION #: 2020 -
A RESOLUTION OF THE BOARD OF COUNTY COMMISSIONERS OF INDIAN RIVER COUNTY, 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 EFFECTIVE
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 a one- 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. It is found that 5 percent of the local housing
distribution plus 5 percent of program income is insufficient to adequately pay the necessary costs of administering
the local housing assistance plan. The cost of administering the program may not exceed 10 percent of the local
housing distribution plus 5% of program income deposited into the trust fund, except that small counties, as defined
in s. 120.52(17), and eligible municipalities receiving a local housing distribution of up to $350,000 may use up to
10 percent of program income for administrative costs.
WHEREAS, the Indian River County Community Development Department has prepared a three-year Local
Housing Assistance Plan for submission to the Florida Housing Finance Corporation; and
A TRUE COPY
CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
Exhibit E
67-37.005(1), F.A.C.
Jeff. date]
WHEREAS, the Board of County Commissioners finds that it is in the best interest of the Indian River County
citizens to submit the Local Housing Assistance Plan for review and approval so as to qualify for said documentary
stamp tax funds; and
WHEREAS, this resolution replaces and supersedes resolution #2017-118, that was approved by the
Board on December 5, 2020.
NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY COMMISSIONERS OF INDIAN
RIVER COUNTY, FLORIDA that:
Section 1: The Board of County Commissioners of Indian River County 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 2021-2022, 2022-2023, 2023-2024.
Section 2: The Community Development Director, 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: The County shall utilize up to 10 percent of the local housing distribution plus 5 percent of
the program income deposited into the trust fund to administer the program.
Section 4: This resolution shall take effect immediately upon its adoption.
The foregoing resolution was offered by Commissioner , and seconded by
Commissioner , and being put to a vote, the vote was as follows:
Chairman, Joseph E. Flescher
Vice Chairman, Peter D. O'Bryan
Commissioner, Susan Adams
Commissioner, Joseph H. Earman
Commissioner, Laura Moss
A TRUE COPY
CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
Exhibit E
67-37.005(1), F.A.C.
[eff. date]
The Chairman thereupon declared the resolution duly passed and adopted this day
of 2020.
Board of County Commissioners of
Indian River County
LOW
Joseph E. Flescher, Chairman
ATTEST by:
Jeffrey R. Smith, Clerk of the Circuit Court & Comptroller
APPROVED AS TO FORM AND
LEGAL SUFFICIENCY
Dylan Reingold
County Attorney
FACommunity Development\SHIP\LHAP\2021-2024 LHAP\2020 LHAP Revisions\BCC Item - LHAP\Attachments\2020 Exhibit E.doc
A TRUE COPY
CERTIFICATION ON LAST PAGE
J.R. SMITH, CLERK
EXHIBIT F
No change to the Original Ordinance
EXHIBIT G
No Interlocal Agreement
- 22 -
F:\Community Development\SHIP\LHAP\2021-2024 LHAP\2020 LHAP Revisions\AHAC Agenda Items\2021-
2024 LHAP - October AHAC Meeting.doc
I Wg:I1
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
INFORMATION SHEET
LOCAL GOVERNMENT:
Indian River County, Florida
CHIEF ELECTED OFFICIAL:
Joseph E. Flescher, Chairman,
Board of County Commissioners
ADDRESS:
1801 27'' Street, Vero Beach, FL 32960
SHIP ADMINISTRATOR:
Bill Schutt, AICP, Chief, Long Range Planning
ADDRESS:
1801 27b Street, Vero Beach, FL 32960
TELEPHONE:
(772) 226-1250 FAX: (772) 226-1922
EMAIL ADDRESS:
bschutt(a,,ircgov.com
VFLORIDA
ADDITIONAL SHIP CONTACTS:
Vickie Johnston
RIVER COUNTY
HIS IS TO CERTIFY THAT THIS 16
ADDRESS:
1801 27`b Street, Vero Beach, FL 32960
a TRUE AND CORRECT COPY OF
THS ORIGINAL ON FI E IN THIS
EMAIL ADDRESS:
vjohnston(a,ircgov.com
' CFI e'
FFRE R.S R
PLANNER
Matt Kalap
o.c.
ADDRESS:
180127"' Street, Vero Beach, FL 32960
EMAIL ADDRESS:
mkalan(&.irc2ov.com
INTERLOCAL AGREEMENT: 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: 59-6000674
MAIL DISBURSEMENT TO: Board of County Commissioners, Indian River ADDRESS:
1801 27th Street, Vero Beach, FL 32960
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
- 23 -
F:\Community Development\SHIP\LRAP\2021-2024 LHAP\2020 LHAP Revisions\BCC Item - LHAP\2 -
2021-2024 LHAP - 12-1-20 BCC Meeting.doc