12-08RESOLUTION NO. 12-08
A RESOLUTION OF THE CITY OF CLEARWATER,
FLORIDA, ADOPTING THE CITY OF CLEARWATER
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP)
LOCAL HOUSING ASSISTANCE PLAN COVERING STATE
FISCAL YEARS 2012-2015; AMENDING STATE FISCAL
YEARS 2009-2012 FOR CONSISTENCY; PROVIDING AN
EFFECTIVE DATE.
WHEREAS, the State of Florida enacted the Wiliiam E. Sadowski Affordable
Housing Act, Chapter 92-317 of Florida Sessions Law, 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.42Q.907-9079,
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, according to Florida Statues, the City has elected not to conduct the
triennial review and the appointment of the Affordable Housing Advisory Committee
because the city has received funds below the minimum allocation. In the event the City
receives full funding from the SHIP Program, the city will perform the required duties in
accordance with Florida Statutes 420.9076; and
WHEREAS, the City wishes to make any and all changes within the 2012-2015
Local Housing Assistance Plan retroactive to the 2009-2012 Local Housing Assistance
Plan for administrative consistency; and
WHEREAS, Section 420.9075(7), Florida Statutes, provides that the City may
use five percent (5%) of its annual SHIP allocation for administrative expenses. Florida
Statutes also provides that if the City Council makes a finding, by resolution, that five
percent (5%) is not sufficient to cover the administrative costs, the City may take up to
ten percent (10%) of its annual allocation for administration plus five percent (5%) of
program income; and
WHEREAS, the City of Clearwater finds that five percent (5%} of the SHIP funds
are insufficient to adequately pay the necessary costs of administering the City's SHIP
program. The City of Clearwater finds it necessary to increase up to but not to exceed
ten percent (10%) of local housing distributions deposited in the trust fund to cover
administrative costs; and
WHEREAS, the maximum sales prices and values for new and existing homes
associated with the LOCAL HOUSING ASSISTANCE PLAN covering Fiscal Years
Resolution No. 12-08
2012-2015, shall be those as utilized by the U.S. Treasury, as amended and updated,
now, therefore,
BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY OF CLEARWATER,
FLORIDA:
Section 1. The City of Clearwater hereby approves the Local Housing
Assistance Plan, as attached hereto and incorporated herein (Exhibit "A") for
submission to the Florida Housing Finance Corporation as required by ss. 420.907-
420.9079, Florida Statutes, for state fiscal years 2012-13, 2013-14 and 2014-15.
Section 2. This resolution shall take effect immediately upon adoption.
PASSED AND ADOPTED this 5th day of April , 2012.
Approved as to form:
L ura Mahony
Assistant City Attorney
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George Cretekos
Mayor
Rosemarie Call
City Clerk
Resolution No. 12-08
NAME OF LOCAL GOVERNMENT
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SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
FISCAL YEARS COVERED
2012-2015
Table of Contents
Title
Section I.
Program Description:
Section II.
Strategies:
A: Down Payment Assistance for Newly Constructed Homes
B: Down Payment Assistance/Existing Homes
C: Rehabilitation
D. Multi-Family Housing
E. Disaster Mitigation Strategy
Section III.
LHAP Incentive Strategies:
A: Expedited Permitting
B: Ongoing Review Process
C: Affordable Housing Incentives
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Section IV.
EYhibits:
Exhibit A: Administrative Budget for each fiscal year covered in the Plan
Exhibit B: Deadlines for Encumbrances and Expenditures
EYhibit C: Housing Delivery Goals Charts (HDGC) for each fiscal year covered in the Plan
Exhibit D: Certification Page
Exhibit E: Adopting Resolution
E:chibit F: lnformation Sheet
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SECTION I. PROGRAM DESCRIPTION:
A. Name of the participating local government and Interlocal if Applicable:
CITY OF CLEARWATER
Interlocal : Yes No X
Name of participating local government(s} in the Interlocal Agreement;
Not Ap�licable
A Copy of the Interlocal Agreement is attached as E�ibit H. N/A
B. Purpose of the program:
Creation of the Plan is for the purpose of ineeting the housing needs of the very-low, low and moderate-income
households, to expand production of and preserve affordable housing, to further the housing element of the local
government comprehensive plan specific to affordable housing.
C. Fiscal years covered b the Plan:
2012-2013
2013-2014
2014-2015
D. Governance:
The SHIP Program is established in accordance with Section 420.907-9079,
Florida Statutes and Chapter 67-37 Florida Administrative Code.
The SHIP Program does further the housing element of the local government Comprehensive Plan_
Cities and Counties must be in compliance with these applicable statutes and rules.
E. Local Housing Partnership
SHIP Program encourages building active partnerships between government, lenders, builders and developers,
real estate professionals, advocates for low-income persons and community groups.
The City of Clearwater continues to build partnerships through local housing providers and individuals that are
involved in the development of affordable housing or resources related to affordable housing. Some of our key
partners include: nonprofits, for-profit housing developers, lenders, realtors, builders/contractors, professional
services providers and other government agencies.
F. Leveraging:
The Plans are intended to increase the availability of affordable residentia] units by combinins 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 ;rants or programs.
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G. Public Input:
Public input was solicited through face to face meetings with housing providers, social service providers and local
lenders and the City's Neighborhood Affordable Advisory Board. Additional public input was solicited through
the St. Petersburg Times Notice of Funding Availability.
H. Advertising and Outreach
The City of Clearwater shall advertise the notice of funding availability in a newspaper of general circulation and
periodicals serving ethnic and diverse neighborhoods, at least 3Q days before the beginning ofthe application period.
If no funding is available due to a waiting list, no notice of funding availability is required.
I. Discrimination:
In accordance with the provisions of ss.76020-76037, the City of Clearwater finds it is unlawful to discriminate on
the basis of race, creed, religion, color, age, sex, maritat status, familial status, national origin, or handicap in the
award application process for eligible housing.
J. Support Services and Counseling:
Support services are available from various sources, for example, not-for profit agencies working as partners with
the City. Available support services may include but are not limited to:
Homebuyers Education
Through Tampa Bay Community Development Corporation, Clearwater Neighbarhood Housing Services and
Community Service Foundation the homebuyer education and counseling programs are provided to homebuyers who
purchase properties within the city limits of Clearwater. The goal of the education and counseling is to educate
potential buyers regarding a]] aspects of the home buying process in an effort to increase the rate of successful
homeownership.
Fair Housing
Gulfcoast Legal Services housing preservation project seeks to provides legal assistance for low to moderate-income
residents of Clearwater who are victims of predatory lending practices, foreclosure rescue scams, persons experiencing
or who have experienced discrimination and/or fraud in housing and to remedy these matters through negotiation,
mediation or litigation and to assist residents in filing complaint regarding violations of Fair Housing Laws.
Pregnancy Counseling
Kimberly Home provides housing, education, case counseling, life skills training and other supportive services for
pregnant youth.
Etderly Services
Pinellas Opportunity Council, lnc. promotes better livable opportunities by providing services tothe elderly and frail
elderly. The Chore Services program help to alleviate blight and create a sense of pride in their community by
providing heavy household cleaning, yard work and minor repairs.
Health Care
Willa Carson Health Care Center provides accessible, quality, culturally-sensitive health care to the uninsured and
underserved at no cast.
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Mental Health
Directions for Mental Health, Inc. offers a wide array of services including outpatient therapy and substance abuse
treatment to adults, children and families with an identified mental health disability, resource coordination for those
who have a diagnosed mental health disability, and other related services. Directions for Mental Health assists two
thousand (2,000) individuals and families annually.
I� 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:
Inde endent Stud co attached
X U.S. Treasu De artment
Local HFA Numbers
The purchase price limit for new and existing homes is shown on the Housing Delivery Goals Charts.
L. Income Limits, Rent Limits and Affordability:
The Income and Rent Limits used in the SHIP Program are updated annually from the Department of Housing and
Urban Development and distributed by Florida Housing Finance Corporation. Affordable means that monthly
rents or mortgage payments including taxes and insurance do not exceed 30 percent of that amount which
represents the percentage of the median annual gross income for the households as indicated in Sections 420.9071
F.S. However it is not the intent to ]imit 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.
M. Welfare Transition Program:
Should an eligible sponsor be Lised, the city/county has developed a qualification system and selection criteria for
applications for Awards to eligible sponsors, which includes a description that demonstrates how eligible sponsors
that employ personnel from the Welfare Transition Program will be given preference in the selection process.
N. Monitoring and First Right of Refusal:
In the case of rental housing, the staff or entity that has administrative authority for implementing the local
housing assistance plan assisting rental developments shall annually monitor and determine tenant eligibility or, to
the e�tent another governmental entity provides the same morlitol-in� and determination, a municipality, county or
local housing financing authority may rely on such monitoring and determination of tenant eli�ibility. However,
an_y loan or grant in the original amount of $3,000 or less shall not be subject to these annual monitoring and
cletermination of tenant eligibility requirements. Tenant eligibility will be monitored for at ]east annually for ] 5
years or the term of assistance whicli ever is lonber wl(ess as specified above.
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Eligible sponsors that offer rental housing for sale before 15 years or that have remaining mortgages funded under
this program must give a first right of refusal to eligible nonprofit organizations for purchase at the current market
value for continued occupancy by eligible persons.
O. Administrative Budget:
A detailed listing including line-item budget of proposed Administrative Expenditures are attached as E�ibit A.
These are presented on an annual basis for each State fiscal year submitted.
CITY O�' CLEARWATER finds that the moneys deposited in the local housing assistance trust fund shall be used
to administer and implement the loca] 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% of
program income deposited into the trust fund, except that small counties, as defined in s. 120.52(17), and eligible
municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of program
income for administrative costs."
The City of Clearwater has adopted the above findings in the attached resolution, E;chibit E.
P. PROGRAM ADMINISTRATION:
Administration of the local housing assistance plan is the responsibility of the Economic Development & Housing
Department of the City of Clearwater. Should a third party entity or consultant contract for all or part of the
administrative or other functions of the program provide in detail the duties, qualification and selectian criteria.
Q. Essential Service Personnel:
Counties and eligible municipalities are required to include a detinition of Essential Services Personne] as noted
in Rule Chapter 6?-37.002(8) F.A.C., Chapter 67-37.005(10), F.A.C. and Section 420.9075(3), F.S.
Essential Service Personnel means persons whose household do not income exceeds 120% of AMI, as updated
annually from the Department of Housing and Urban Development and distributed annually by the Florida
Housing Finance Corporation and adjusted for family size, includin�: teachers and educators; other school district
and university employees, police and fire personnel; health care personnel; construction industry personnel;
Federal, State, County, and local government personnel, information technology industry personnel; food service
personnel; service personnel; retail workers, tourism industry personnel; the occupation in demand with the most
e�nployees, the occupations in demand gaining the most new jobs according to the A�ency of Workforce
lnnovation (AWI); and personnel in other industries deemed essential by the City of Clearwater based on the local
economy.
R. Section 420.907�(3)(d), F.S.:
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Requires counties and eligible municipalities to describe initiatives in their local housing assistance plans that
encourage or require innovative design, green building principles, storm resistant construction or other elements
that reduce Iong term costs relating to utilities or insurance. Provide a brief description as required:
The City of Clearwater promotes the use of green housing construction and green print rehabilitation techniques_
Below are excerpts from the City's comprehensive plan:
C.I.10 Objective — Recognizing that sustaining building techniques contribute to keeping housing units
affordable over the long term by reducing energy consumption, lowering utility bills and decreasing maintenance
costs, the City of Clearwater will promote the use of green housing construction and renovation and rehabilitation
techniques.
Policies:
C1.10.1 Encourage affordable housing projects that are constructed consistent with US Green Building Council's
(USGBC) Leadership in Energy and Environmental Design (LEED} principles or Florida Green Building
Coalition's (FGBC) Green Land Development and Building Standards.
C.1.10.2 Encourage construction of efficient and lasting homes by developing Green Building standards, using
resources such as those available through Global Green USA.
C.1.10.3 Provide "green building information" to local area housing providers.
C1.10.4 Work with the local chapter of the USGBC to provide information regarding LEED renovation
techniques at Neighborhood Week and other outreach events.
C.1.10.5 Develop prototypical xeriscape plans that can be provided to local area housing non-profits and
neighborhood associations.
Cornmunity Sustainability Plan
Clearwater Greenprint is a community sustainability plan that identifies a series of tangible actions across eight
topic areas that have the potential to reduce energy consumption, pollution and greenhouse gas (GHG) emissions
while stimulating the local economy and improvin� the quality of life. The topic areas include education and
awareness, green energy and buildings, transportation, land use and urban form, water resources, waste
management, food production, and green business and jobs. Through creating and implementing Clearwater
Greenprint, the City of Clearwater government is leading a community-wide effort to understand the challenges of
today with a view toward creating a sustainable future. The strategies included in Clearwater Greenprint provide a
framework for government, resident and business actions in the short, medium and long term
In addition the City's comprehensive plan, the department applies �reen principles in al] new construction and
rehabilitation projects. The City's specifications for new and existing homes aie tailored to meet green standards.
Whenever repairs are necessary and performed on a house, green initiatives will be used to include but not be
limited to, low E windows, insulation is minimum R30, exterior doors are insulated, all windows and doors seals
are in place, hot water heater is in good condition and operating properly and attic has proper ventilation to better
control temperatures.
Section II. LHAP HOUSING STRATEG�ES:
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A. Name of Strategy: DOWN PAYMENT & CLOSING COSTS ASSISTANCE FOR NEWLY
CONSTRUCTED HOMES.
a. Summary of the Strategy:
The City of Clearwater through eligible developer and sub-recipients will use SHIP funds for the
development of new housing units. The costs may include acquisition, site improvements, building costs
and down payment and closing cost assistance to eligible very-low to moderate-income homebuyers.
The City may use SHIP funds as a match for the HOME program to loan funds to eligible developers for
the construction of new housing units, and in some cases, acquisition of vacant properties and
infrastructure costs for new housing development. Assistance will be repaid when the unit is sold to an
eligibie buyer.
The City may also provide funding for assistance to homebuyers for down payment and/or closing costs,
included, but not limited to, prepaid items such as prepaid interest, hazard and flood insurance. Interest
rate buy-downs will also be an eligible activity under this strategy.
b. Fiscal Years Covered: 2012-2013, 2013-2014, 2014-2015
c. Income Categories to be served:
The strategy will serve all eligible homebuyers with incomes at or below 120% of the area median income,
adjusted for family size as published annually by the United States Department of Housing and Urban
Development (HUD) and distributed by Florida Housing Finance Corporation.
d. Maximum award is noted on the Housing Delivery Goals Charts:
See Exhibit C: Housing Delivery Goal Charts for the maximum awards for FY 20l Z-2013, ZO13-2014 and
2014-2015.
The m�imum award is not automatically provided. It is not the intent of the City to over subsidize a
household, where in the absence of subsidy, a household would be able to afford the level of debt associated
with the home that they are seeking to obtain, based on normat underwriting practices.
e. Terms, Recapture and Default:
Deferred payment and low-interest second or third mortgages will be available to eligible homebuyers for
down payment and closing costs assistance with the following stipiilations:
� The assistance would be deferred for five years with monthly payments commencing on the beginning of
sixth year and amortized over twenty-five (25) years.
• City's loan term is not to exceed thirty (30) years
• Loans will be secured by a mortgage and note with the executed documents recorded in the public records
of Pinellas County �mtil satisfied �
• Repayment of the entire principal balance of the loan is due and payable:
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-Upon sale or transfer of title
-Property is vacated and no longer the primary residence of the borrower
-Property is converted into rental unit
-Any refinancing with cash out or debt consolidation
The City has determined the following terms and provisions for program income versus recaptured funds:
• Program Income is a source of SHIP revenue received from the following sources: bank interest,
amortized loan payments and any associated interest and penalties, loan proceeds due to repayment of a
loan under the condition of refinancing, death of recipient, sale or transfer of title, property is no longer
the client's primary residence and property is not maintained to housing standards.
• Recaptured funds is a source of SHIP revenue, received when a SHIP recipient loses his or her house to
foreclosure/tax deed sales or the City repays funds that assisted an ineligible client.
All funds are deposited into the Loca] Housing Trust Fund and reported as Program Income or Recaptured
Funds in the State Fiscal Year they are received as appropriate for Annual Reporting purposes.
f. Recipient Selection Criteria: Assistance is provided on a first-come, first-served basis.
All recipients will be income eligible and will be selected using the housing pool underwriting guidelines,
policies and procedures.
To qualify for assistance, the eligible program participant must meet the City's definition of a first time
homebuyer:
• A first time homebuyer is an applicant who has not owned a home in the last three (3) years, except in the
case of a person who has experienced some form of hardship. Examples are health, medical and change in
family status
1. The property is located within the city limits of Clearwater.
2. The applicant must have completed a Homebuyers Education class approved by the City. The
homebuyer must submit proof of completion of the class.
;. The purchased property must meet all applicable buildin; codes and a"Certificate of Occupancy"
is issued prior to occupancy.
g. Sponsor Selection Criteria
All program sponsors or sub-recipients will be selected using the City's Consolidated Action Plan
Application. Eligible sub-recipients or sponsors that provide assistance under this program wili be required to
contractually commit and comply with all SHIP program requirements.
Criteria include:
• The not-for-profit corporation must have received a tax-exempt ruling from the Internal Revenue Service
(IRS) under section 501 c(3) of the Internal Revenue Code.
• The for-profit corporation must be organized and established under the la�vs of the State of Florida.
• The not-for-profit or for-profit corporation must have financial accountabilit_y standards that permit the
Economic Development & Housing Department to verify orga��izational capacity for project
implementation.
h. Additionallnformation
Other state, federal, cotmty, private and homeowners contributions may be leveraged with SHIP funds.
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B. Name of Strategv: DOWN PAYMENT & CLOSING COSTS ASSISTANCE FOR EXISTING
HOMES WITH OR WITHOUT REHABILIATION
a. Summary of the Strategy:
The City of Clearwater through its housing programs and through its sub-recipients will use SHIP funds
ta provide down payment and closing costs assistance (including prepaid items) to eligible low and very
low-income homebuyers.
b. Fiscal Years Covered: 2012-2013, 2013-2014, 2014-2015
c. Income Categories to be served:
This strategy will serve all eligible homebuyers with incomes at or below 120% of the area median
income, adjusted for family size as published annually by United States Department of Housing and
Urban Development (HUD) and distributed by Florida Housing Finance Corporation.
d. Maximum award is noted on the Housing Delivery Goals Charts:
The m�imum award is not automatically provided_ It is not the intent of the City to over subsidize a
household where in the absence of the subsidy, a household would be able to afford the level of debt
associated with the home that they are seeking to obtain, based on normal underwriting practices.
e. Terms, Recapture and Default.
Include terms of recapture in the event of default (failure to make required payments on a loan secured by
first mortgage which ]eads to foreclosure and/or loss of property ownership).
Deferred payment and low-interest second or third mortgages will be available to eligible homebuyers for
down payment and closing costs assistance with the following stipulations:
• The assistance would be deferred for five years with monthly payments commencing on the
beginning of the sixth and amortized over fifteen (15) years.
• City's loan term is not to exceed 30 years
• Loans will be secured by a mortgage and note with the mortgage and note recarded in the public
records of Pinellas Cotmty, Florida tmtil satisfied.
• Repayment of the entire principal balance of loan is due and payable:
-Upon sale or transfer of title �
-Property is vacated and no lon�er the primary residence of the borrower
-Property is converted inta a rental unit
-Any refinancing with cash out or debt consolidation
The City has determined the following terms and provisions for program income versus recapti.tred funds:
• Program Income is a source of SHIP revenue received from the follawing sources: bank interest,
amortized (oan payments and any associated interest and penalties, loan proceeds due to repayment of
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a]oan under the condition of refinancing, death of recipient, sale or transfer of title, property is no
longer the client's primary residence and property is not maintained to housing standards.
• Recaptured funds are a source of SHIP revenue, received when a SHIP recipient loses his or her
house to foreclosure/tax deed sales or the City repays funds that assisted an ineligible client.
All funds are deposited into the Local Housing Trust Fund and reported as Program Income or
Recaptured Funds in the State Fiscal Year they are received as appropriate for Annual Reporting
purposes.
f. Recipient Selection Criteria:
Assistance is provided on a first-come, first-served basis. All recipients will be incotne eligible and will
be selected using the City's Housing Pool underwriting guidelines, policies and procedures.
1. To qualify for assistance, the eligible program participant must meet the City's definition of a
first time homebuyer:
• A first time homebuyer is an applicant who has not owned a home in the last three (3) years,
except in the case of a person who has experienced some form of hardship.
2. Property must be located within the city limits of Ciearwater
3. The applicant must have completed a Homebuyers Education Class approved by the City.
4. The purchased property must meet all applicable building codes. Any deficiencies must be
corrected prior to, or as part of, the purchase transaction.
g. Sponsor Selection Criteria
All program sponsors or sub-recipients will be selected using the City's Consolidated Action Plan
Application. Eligible sub-recipients or sponsors that provide assistance under this program wil] be required to
contractually commit and comply with all SHIP program requirements.
Criteria include:
The not-for-protit corporation must have received a tax-exempt ruling from the Inten�al Revenue
Service (IRS} under section 501 c(3) of the Internal Revenue Code.
The for-profit corporation must be organized and established under the laws of the State of Florida.
The not-for-proFt or for profit corporation must have fina�icial accountability standards that permit
the Economic Development & Housing Department to verify organizational capacity for project
implementation.
h. AdditionalInformation:
Other state, federal, county. private and homeowners contributions may be leveraaed with SHIP funds.
C. Name of Strategy: 01�VNER-OCCUPIED REHABILIATION
a. Summary of Strategy: The City of Clearwater will provide funds for the rehabiiitation of owner-occupied
single-occupied residences located within the city limits of Clearwater. The City will award funds for
rehabilitation to o�vner-occupied; income-eli�ible households on a first-come, first-served preference.
Funds for assistance may be used by the homeowner for housing rehabilitation such as, but not limited to, the
following.
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• Correct housing code deficiencies
• Adapt the residence to meet to meet accessibility needs of a handicapped family member
In certain cases, the work may be done as emergency repairs. In those cases where the health, safety and
welfare of the household are in jeopardy, they shall receive priority. Such things that are considered
"emergency repairs" are:
• Structural components that show signs of imminent collapse
• Inoperable heating systems during the winter months
. Water leaks in walls or foundation
• Inoperable toilet or hot water heater
• Roof leaks causing electrical hazards, ceiling collapse or structural damage
• Inoperable exterior doors and/or windows, preventing emergency egress
• Exposed bare wires or other imminent fire hazard
• Collapsed or inoperable chimney or flue
• Falling ceiling
• Lead-based paint
• ADA modifications of an immediate nature
Funding will also be available to modify elderly or speciai needs household homes that need
renovations to allow them to remain independent in their homes, and prevent them from having to move
into an assisted living type arrangement. Improvements may include such things as:
• Wheel chair ramps
• Widening of doorways
• Lowering of cabinets
• Installation of grab-bars
• Visual guiding systems for the hearing impaired
a. Fiscal Years Covered: 2012-2013, 2013-2014, 2014-2015
b. Income categories to be served:
The strategy will serve all eligible recipients with incomes at or below 120% of area median income,
adjt�sted for family size as published annually by United States Department of Housing and Urban
Development (HUD) and distributed by Florida Housing Finance Corporation.
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default.
Low-interest loan or deferred payment first, second or third mortgages will be available to eligible recipients.
Deferred payment loans will be offered in the form of zero (0%) percent loans to households who are thirty
percent (30%) or less of the Area Median Income (AMI). For households above 30% of Area Median tncome
(AMI), borrowers will be evaluated for their ability to repay the assistance. tf a borrower's income is over 30
percent of the HUD's area median income, the borrower will be evaluated to ensure that the housinj ratio does
❑ot eYCeed thirry (30} percent. The rehabilitation assistance will be deferred for the length of the construction
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contract period, not to exceed one hundred & twenty days (120) days and amortized over a twenty (20) year
period, with a zero (0%) percent interest. As stipulated in the City's loan documents, if a bonower does not
remain as the owner occupant, or if all or any part of the property or interest therein is rented, sold, transferred or
leased, the recipient will be required to pay offthe loan in accordance with the terms and conditions specified in
the mortgage and note.
The City has determined the following terms and provisions for program income versus recaptured funds:
• Program Income is a source of SHIP revenue, received from the following sources: bank interest,
amortized loan payments and any associated interest and penalties, loan proceeds due to repayment of
a loan under the condition of refinancing, death of recipient, sale or transfer of title, property is no
longer the client's primary residence.
• Recaptured Funds is a source of SHIP revenue, received when a SHIP recipient loses his or her
property to foreclosure or tax deed sale.
e. Recipient Selection Criteria:
Assistance will be on a first-come, first-served basis while funds remain available. Should funds not be
available at any time, a City-created "Waiting LisY' will be utilized and eligible clients will be assisted
when funds are available. Priority will be placed on correcting defciencies that impair the health and
safety of the household and for activities occurring in our Target Areas.
f. Sponsor Selection Criteria, if applicable: N/A
g. Additional Information: None
D. Name of Strategy: MULTI-FAMILY HOUSING
a. Summary of the Strategy: Funds may be provided as loans to support the acquisition,
rehabilitation and or the new construction of multi-family housing, including single-room,occupancy,
transitional housing, or the housing portion of a mixed-use facility and or mixed income projects_
Funds may be used as a match for U.S. Department of Housing and Urban Development's HOME
program and various other programs offered by the federal government and the State of Florida to
produce and preserve multifamily housing.
b. Fiscal Years Covered: 2012-20li, 20li-2014, 2014-2015
c. Income Categories to be servecl:
This strateQy will serve alt eligible recipients with incomes at or below 120% of area median income,
adjusted for family size as identitied on the Florida Housing Finance Corporation Income Limits Chart.
d. 1VIasimum award is noted on the Housing Delivery Goais Charts:
e. Terms, Recaptured anc3 Default
Recapture will be in compliance with the SHIP Pro;ram requirements to ensure affordability. When
HOME funds are used with SHiP; the most restrictive niles and regulations will apply. In accordance
with the City's policy, the terms of the City's funding for multi-family acquisition, rehabilitation or new
construction developments will vary ti-om project to project, depending on the economics of the
-13-
Title: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
development.
Loans for eligible rental housing constructed, rehabilitated or otherwise assisted under this strategy must
be reserved for eligible persons for at least term of the assistance. A restrictive covenant will be recorded
to ensure that units remain affordable for the prescribed period of time. The City, eligible sponsor or
appointed designee, shall annually monitor and determine tenant eligibility throughout the compliance
period. For those developments that Florida Housing Finance provides the same monitoring and
determination, the City may rely on such monitoring and determination of tenant eligibility.
Eligible sponsors that offer rental housing for sale before the end of the compliance period or that have
remaining mortgages funded under this strategy must give a right of refusal to the City or eligible
nonprofit organizations for purchase at the current market value for continued occupancy of eligible
persons.
The City has determined the following terms and provisions for program income versus recaptured funds:
• Program Income is a source of SHIP revenue, received from the following sources_ bank, interest,
amortized loan payments and any associated interest and penalties, loan proceeds due to repayment of
a loan under the condition of refinancing, death of recipient, sale or transfer of title, property is no
longer the client's primary residence, and property that is not maintained to housing standards.
• Recaptured Funds is a source of SHIP revenue, received when a SHIP recipient loses his or her
house to foreclosure.
f. Recipient Selection Criteria:
The SHIP assisted units in a rental housing project will be occupied only by households that are eligible
as very-low to moderate-income families. MaYimum monthly rent limits will be those established
annually by HUD.
g. Sponsor Selection Criteria:
Eligible sponsors will be selected using the City's Consolidated Action Plan Application. Applicants may
apply for funding while funds are available. Eligible persons, sub-recipients or sponsors that provide
assistance under this pro�ram �vill be required to contractually commit and comply with all SHIP program
requirements. Criteria include:
• The not for profit corporation must have received a tax-exempt ruling from the Internal Revenue
Service (IRS) under section SOl c(3) of the Internal Revenue Code.
• The for-profit corporation must be organized and established under the ]aws of the State of Florida.
• The not-for-profit or for-profit corporation must have financia] accountability standards that permit
the Economic Development & Housing Department to verify organizational capacity for project
implementation.
h. Additional Information: N/A
E. Name of the Stratew: DISASTER MITIGATION STRATEGY
a. Summary of Strategy: In the case of naturai or man-made disasters, priorities will need to be
�[�
Title: LHAP Template 2009
NO. 001
67-37_005(1), F.A.C.
Effective Date: 11/09
changed to meet emergency conditions. This strategy will only be used if a disaster, or a declaration
by the local authorities, State of Florida and/or federal government of a disaster. SHIP funds wi11 be
used to leverage available federal, state and insurance funds to provide assistance to eligible
households for the purpose of repairing eligible housing. Use of funds would be available for the
following activities:
• Purchase of emergency supplies to waterproof damaged homes
� Interim repairs to avoid further damage, such as tree and debris removal
• Payment of insurance deductibles for rehabilitation of homes cover under homeowners' insurance
policies
b. Fiscal Years Covered: 2012-2013, 2013-2014, 2014-2015
c. Income Categories to be served:
This strategy will serve all eligible recipients with incomes at or below 120% of area median income,
adjusted for family size as published annually by United States Department of Housing and Urban
Development (HUD) and distributed by Florida Housing Finance Corporation.
d. Maximum award is noted on the Housing Delivery Goals Charts:
e. Terms, Recapture, and Default:
Assistance provided under this strategy will be in the form of a deferred payment or low-interest loan.
Recipients must also abide by the City's loan documents, which dictate conditions that constitute
repayment. The City has determined the following terms and provisions for program income versus
recaptured funds:
• Program Income is a source of SHIP revenue, received from the following sources: bank interest,
amortized loan payments and any associated interest and penalties, loan proceeds due to repayment of
a loan under the condition of refinancing, death of recipient, sale or transfer of title, property is no
longer the client's primary residence.
• Recaptured Funds is a source of SHIP revenue, received when a SHIP recipient loses his or her
property to foreclosure or tax deed sale.
All funds are deposited into the Local Housing Trust Funds and reported as Program income or
Recaptured in the state fiscal year that they are received as appropriate for Annual Reporting purposes.
f. Recipient Seleetion Criteria: Applicants must own and occupy the property as principal
residence. The residence must have been damaged in a declared natural disaster. Applicants must be
income-eligible, and will be served on a first-come, first-served basis, pendin� funding availability.
The property must be ]ocated within the cit_y limits of Clearwater. Applicants must be current on
mortgage secured by the property, property taxes, and homeowners insurance.
g. Sponsor Selection Criteria:
Eligible sponsors will be selected using the City's Consolidated Plan Application, or any other method(s) that the
City may develop to expedite the Selection of Eligible Sponsor during a disaster_
-1�-
Title: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
h. AdditionalInformation:
This strategy will be implemented only in the event of a natural or man-made disaster deciaration using
any SHIP funds that have not been encumbered. The City will use the Florida Housing Finance
Corporation's DISASTER SELF-CERTIFICATION OF INCOME FORM, attached as"Exhibit I".
SECTION III. LHAP INCENTIVE STRATEGIES
In addition to Strategy A and Strategy B, include all adopted incentives with the policies and procedures used
daily for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 1633164(7) and (8) for affordable housing projects are expedited to a greater degree than
other projects.
The Planning and Development Department expedites the review process of any site plan, land use amendment,
rezoning, or annexation application for an affordable housing project within the City of Clearwater. According to
the City's Development Code, an affordable housing project (rehabilitation or new construction), can be approved
through the City's Development Review Committee Process. If a public hearing is needed, the project is
scheduled for the immediate next session of the Community Development Board (CDB). Some affordable
housing projects (rehabilitation or new construction) are approved administratively; otherwise the project goes to
the immediate next session of the Community Development Board.
a. Provide a description of the procedures used to implement this strategy:
Espedited Permitting. For Building Permit Applications, the City has a"Request for Expedited Permit
Processing far Affordable Housing Activity" available through the Economic Development and Housing
Department. This form allows the application to be expedited through the review process.
B. Name of the Strategy: Ongoing Revie�v Process
An ongoing process for review of local policies, ordinances, regulations and plan provisions that increase the cost
of housing prior to their adoption.
The City has a process in place by which it considers, before adoption, policies, procedures, ordinances,
reaulations, or plan provisions that increase the cost of housinj.
a. Established policy and procedures: Provide Description:
The Senior Executive Team of the City of Cleai�water meets every two weeks to discuss and review upcoming
a�enda items on the City Council's meetin� schedule. As part of this meeting, the City Clerk revie�vs with each
department Director proposed items on the agenda, which includes policies, procedures, ordinances, resolutions
and plan provisions for action by the City Council. Any actions that have the potential to affect the cost of
housing are addressed as part of this process. Any determinations made by Eeonomic Development and Housing
Department and the affected Department will be included as part of the agenda summary to the City Council on
-16-
Title: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
that particular item. The City Council agenda summary and all supporting materials are available on the city's
website at www.myclearwater.com.
C. Name of the Strategy: The allowance of flexibility densities for affordable housing.
The City encourages flexible densities for affordable housing development in both the Future Land Use Element
and the Housing Element of the City's Comprehensive Plan.
a. Established policy and procedures: Provide Description:
The following policy in the Future Land Use Element allows for flexible densities:
"Policy A.2.2.7 — The City will provide density bonuses for affordable housing developments that demonstrate
that a minimum of 15% of the total units are reserved as affordable housing units. Such bonuses sha]I not exceed
50% of the density permitted by the Future Land Use Map and shall not include properties located in the Coastal
Storm Area. The density bonus shall be established by ordinance in the Community Development Code".
The same policy applies to Housing Element as policy C.9.1:
The City grants flexibility in densities to developers through the City's Community Development Code,
which establishes flexibility criteria for specific uses requiring additional development review. Such
uses fall into two categories: flexible standard development and flexible development.
D. Name of the Strategy: The reduction of parking setback requirements for affordable housing.
The City encourages the reduction of parking and setback requirements for affordable housing in the
Housing Element of the City's Comprehensive Plan.
a. Established Policy and Procedures: Provide Description:
The following policy in the Housing Element supports the reduction of parking and setback
requirements for affordable housing.
"Policy C.1.9.2 — Allow flexibility with regard to off-street parking to accommodate density bonuses
associated with affordable housing developments providecl the project design does not detract from the
established or emerging character of immediate vicinity.''
"Policy C.1.93 — Allow fle�ibility �vith re�ard to off-street parkinb for projecis containina affordable
housing units located within 1,000 feet of a transit stop."
The City currently allows flexibility in parkin� and setback requirements for affordable housin� thoubh
the�City's Community Development Code, which establishes fIexibility criteria for specific uses
requirins additional development review.
E. Name of the Strategy: The allowance of f7exible lot con�gurations, including zero-lot-line
confiburation for affordable housing.
-17-
Title: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
The City currently allows for site plan flexibility through the development review process, as supported
by the City's Community Development Code, which establishes flexibility criteria for specific uses
requiring additional development review.
Such criteria may allow for more flexible site plan configurations, but may also require an improved site
plan to document how the flexibility will result in better design and /or appearance. For example, the
flexibility criteria tied to residential infill projects within the High Density Residential (HDR") District
include:
a. Established policy and procedures: Provide Description
"Article 2, Section 2-504 (F.6) The design of the proposed residential infill project creates a form and
function which enhances the community character of the immediate vicinity of the parcel proposed for
development and the City of Clearwater as a whole; (F.7} Flexibility in regard to lot width, required
setbacks, height and off-street parking are justifed by the benefts to community character and the
immediate vicinity of the parcel proposed for development and the City of Clearwater as a whole.
F. Name of the Strategy: The preparation of a grinted inventory of locally-owned public lands
suitable for affordable housing.
The City maintains an inventory of locally-owned public lands suitable for affordable housing.
Established policy and procedures: Provide Description
The City of Clearwater on May 21, 2010 adopted Resolution 10-12, which establishes the affordable
housin� inventory list per statutory requirements. A copy of the inventory list may be obtained by
contacting city staff in Economic Development and Housinb Department. The list will be posted on the
City's web page.
G. Name of the Strategy: The support of development near transportation hubs, and major
employment centers and mixed-used developments.
The Future Land Use Element of the of the City's Comprehensive Plan supports the location of
recide�ntial uses within "mass transit and neighborhood-servinb land uses" and near transit lines.
a. Established policy and procedures: Provide Description
Policy A.22.2 — Residential Iand uses shall be appropriately (ocated on local and minor collector streets;
if appropriately buffered; they may be located on major collector and arterial streets. Residential }and
uses shall be sited on well-drained soils, in proximity to parks; schools, mass transit and other
neighborhood-serving land uses."
- 1�-
Title: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
Policy A.6.8.7 — Create mixed-use, higher density and livable communities through design and layout,
near existing transit lines as well as proposed TBARTA lines and stations. Also support walkability
concepts near projected TBARTA stations.
In addition, the Housing Element of the Comprehensive Plan states:
"Policy C.1.4.2 — Assisted housing should be located in close proximity to employment centers, mass
transit services, parks, and commercial centers."
N. EXHIBITS
-19-
Title: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
A. Administrative Budget for each fiscal year covered in the Plan. Exhibit A.
B. Timeline for Encumbrance and Expenditure: Chapter 67-37.005, F.A.C.
A separate timeline for each fiscal year covered in this plan is attached as E�ibit B.
Program funds will be encumbered by June 30 one year following the end of the applicable state fiscal year.
Program funds will be fully expended within 24 months of the end of the applicable State fiscal year.
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year
Covered in the Plan:
Completed HDGC for each fiscal year is attached as E�ibit C.
D. Certification Page:
Signed Certification is attached as Exhibit D.
E. Adopting Resolution:
Original signed, dated, wimessed or attested adopting resolution is attached as
E�ibit E.
F. Program Information Sheet:
Completed program information sheet is attached as Exhibit F.
G. Ordinance:
If changed from the original ordinance, a copy is attached as
E�ibit G.
H. Interlocal Agreement:
A copy of the Interlocal Agreement if applicable is attached as Exhibit H.
-Za-
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
Exhibit A Admin B
Fiscal Year 2012-2013
Salaries and Benefits
O�ce Supplies and Equipment
Travel Perdiem Workshops, etc
Advertising
Fiscal Year 2013-2014
Salaries and Benefits
Office Supplies and Equipment
Travel Perdiem Workshops, etc
Advertising
Fiscal Year
Salaries and Benefits
Office Supplies and Equipment
Travel Perdiem Workshops, etc
IAdvertising
Based on a distribution of
$
$
$
$
$
$
$
$
$
$
$
Exhibit A
Title: LHAP Template 2009
rro. oo�
67-37.005( I ), F.A.C.
Effective Date: I 1/09
9,298.30
1 a0.00
200.00
100.00
• .•: �
9,298.30
100.00
200.00
100.00
9,698.30
$ 9,298.30
$ 100.00
$ 200.00
$ 1 Q0.00
$ 9,698.30
$ 96,983.00
Exhibit B
TIMETABLE FOR STATE FISCAL YEAR 2012-2013
Name of Local Government: CITY OF CLEARWATER
Directions: Type in the applicable years across the top line.
List Program Activities down left hand side. Type in an "X"
on applicable aclivity line under month and year the activity will be initiated or completed.
At a minimum tl�e following activities should be included:
1) Advertise availability of funds and application period
2J Encumbrance of funds (12 months following end of State Fiscal Year)
3� Expenditure of funds (24 months following end of State Fiscal Year),
4) Submit Annual Report to FHFC (September 15th)
area
Exhibit B
TIMETABLE FOR STATE FISCAL YEAR 2013-2014
Name of Local Government: CITY OF CLEARWATER
Directions; Type in the applicable years across the top line.
List Program Activities down left hand side. Type in an "X"
on applicable activity line under month and year ths activity will be initiated or completed.
At a minimum the foilowing activities should be included:
1) Advertise availability of funds and application period
2) Encumbrance of funds (12 months fo�lowing entl of State Fiscal Year)
3) Expenditure of funds (24 inonths following end of State Fiscal Year).
4) Submit Annual Report to FHFC (September 15th)
3/98
Exhibit B
TIMETABLE FOR STATE FISCAL YEAR 2014-2015
Name of Local Government: CITY OF CLEARWATER
Directions: Type In the applicable years across the top iine.
List Prograin Activities down left hand side. Type in an "X"
on applicable activily line under month and year the activity will be initiated or completed.
At a minimum the following activities should be included:
1) Advertise availability ot funds and application period
2) Encumbrance of funds (12 months following end of State Fiscal Year)
3) Expenditure of funds (24 months following end of State Fiscal Year).
4) Submit Annual Report to FHFC (September 15th)
area
FLORIDAHOUSING FINANCE CORPORATION p.•°.�^.°k°°a'°°"."°�"'"�^'�°`,.°`.'°°m"`
HOUSING DELIVERY GOALS CHART#2002 NawPlan: X
STRRTEGIES FOR THE LOCAL HOUSING ASSISTANCE PLAN FOR STATE FISCAL YEAR: 2012-2013 Amendment:
� Fiseal Yr. Closeout:
Name of Local Government: CITY OF CLEARWATER Available Funds: $1ss,ss3.00
— ---- _ _-----__ __ ______ - --- ---- ------ —
A B C D E F
HOME OWNERSHIP VLI Max.SHIP LI Max.SHIP MI Max.SHIP NewCOnstruction RehablRepair WithoufConatruction TOt2� Total Total
-- --- --.... _ _ _ . - ---- --- - - _ _ ----- -- -- - ---- ----- ----- - --
STRATEGIES Units Award Units Award Units Award SHIP Dolla�s SHIP Dollars SHIP Dollars SHIP Oollars Percentage Units
1, UPGCAforNewConslructionHomes 0 �11,250.00 2$11,250.00 0$11,250.00 �$22,500.00 $22,500.00 11.42% 2
$0.00 0.00% 0 '.
2. I]PCCAforexis[in9Flomes 1 $6,250.00 4 $6,250.00 0 $6,250.00 $25,000.00 $6,250.00 $31,250.00 15.86% 5���
$Q.OQ �.Q�% 0 '.
].Owbo�OecupiedRehabilitation 5 .>12:500.00 3 $12,500.00 0 $12,500.00 $100,000.00 $100,000.00 50.77% 8 �
$0.00 0.00% 0 ''.
a.r�sasterr,titiqaeon 0 $5.000.00 0 $5,000.00 0 $5,000.00 $0.00 0
0.00 /0 0 '
$0.00 0.00% 0
Suhtotal 1(Home Ownership) 6 9 0 $22,500.00 $125,000.00 $6,250.00 $153,750.00 78.05% 15
RGN7AL VLI Max. SHIP LI Maz. SHIP MI Max. SHIP New Cvnstruction RehablRepair Without Conatruction Total Total TOta�
STRA7EGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units
Midii-Fmnily Hnu.ing 1 ,14,000.00 1$14,000.00 � 0 $14,000.00 $28,535.00 $28,535.00 14.49% 2
$0.00 0.00% 0
$0.00 0.00% 0
$0.00 0.00% 0
$0.00 0.00% 0 '
Subtotal 2(Non-Home Ownership) 1 1 0 $28,535.00 $0.00 $0.00 $28,535.00 14.49% 2
Administration Fees $9,698.00 4.92%
Admin. FYOm Proyram Income $5,000.00 2.54%
H4mo Ownership Counseling 0.00%
GRAND TOTAL
Adtl Sublolals 1 6 2, pNS all Admin. 8 HO Counselinp 7 10 0 $51 035.00 $125 000.00 $6 250.00 $196 983.00 100.00% 17 �
1
Percentage ConstructionlReVi Calculate Constr.IRehab Percont. by adding Grand Total Columns A8B, then divide by Annual Allocation Amt. 89%
Maximum Allowable
Purchase Price: NeW . ,�. ;' �.� . ��r�15,�,00p;� , '�� Eztstirlg.., � ��,����.�.?,k��5000Q;
_ f
AIIoCation BI'eakdOwn Arllount % Projected Program Income: $1bQ;6D4.p4; MaxAmount Program Income ForAdmin: $5,000.00
Very-�.ow Income $82,750.00 A2.0% Projected Recaptured Funds:
LOW It1C01116 �85,OOD.00 43.2% Distribution: $.,�§�963 94�_;?- �
Nloderate Income 0.0"2 Total Avaitable Funds: $1&8.9S3;QQ= ?
-_ �
707AL 85.2/0 2o-Mar-12 ;
-------- --•- _
FLORIDA HOUSING FINANCE CORPORATION P�°�°.�^.°k°P°°°°'�.°°X"'^^�^'�°,,�,.�^°m'�� '
HOUSING DELIVERY GOALS CHART#2002 NewPlan: X
STRATEGIES F012 THE I.00AL HOUSING ASSISTANCE PLAN FOR STATE FISCAL YEAR: 2013-2014 nmendment:
� Fiscal Yr, Closeout:
Name of l.ocal Government: CITY OF CLEARWATER Available Funds: $196,983.00
----__ _--. __ __ _. _ ___ - _ _ __ _- - __ _ ------_ . ---
q B C D E F
HOh9EOWNERSHIP VLI Max.SHIP LI Max.SHIP MI Max.SHIP NewConstruction RehablRepair WithoutConstruction Total Total Total
- - - - -- ._ . _ -- --- --- ---_ _._ _ . .- - __. __...--- -- —�.. - - ----- ------- —
STRATEGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percantage Units
1, DPCCAforNewConslructionilomes 0 fh11,250.00 2 $11,250.00 0 $11,250.00 $22,500.00 $22,500.00 11.42% 2�
$0.00 0.00% 0
2. uPCCAtorexisdn<�tromes 1 �y6,250.00 4 $6,250.OU 0 $6,250.00 $25,000.00 $6,250.00 $31,250.00 15.86% 5'
$0.00 0.00% 0
3.OwGerOccupiedRehabilitation 5 $12,500.00 3 $12,500.00 0 $12,500:00 $100,000.00 $100,000.00 50.77% 8�.
$0.00 0.00% 0
a.Disasterhsitigatian 0 $5,000.00 0 $5,000.00 0 $5,000.00 $0,00 0.00% 0
$0.00 0.00% 0 '
Subtotal 1(Home Ownership) 6 9 0 $22,500.00 $125,000.00 $6,250.00 $153,750.00 78.05% 15
RENTAL VLI Max. SHIP LI Max. SHIP MI Max. SHIP New Construction RehablRepair Without Construction Total Total Total
STRATEGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP D0118f5 Percentaqe Units
^e�i�u-r-ami�y ��ovs�nq 1 514,040.00 1$14,000.00 0 $14,000.00 $28,535.00 $28,535.00 14.49% 2'
$0.00 0.00% 0
- $0.�0 �.�Q% 0 ��.
$0.00 0.00% 0
' $0.00 0.00% 0 '
Subtotal 2(No�-Home Ownership) 1 1 0 $28,535.00 $0.00 $0.00 $28,535.00 14.49% 2
Administration Fees $9,698.00 4:92%
Admin. From Proyram Income $5,000.00 2.54%
Home Ownership Counseling 0.00%
Gf�AND TOTAL
ne� s���oi:a: � s z c��� �n na��i�. a Mo co��:em,v 7 10 0 $51 035.00 $125 000.00 $6 250.00 $196 983.00 100.00% 17 '
Percentage Construction/Rei Calculate Consa.IRehab Percent. by adding Grand Total Columna A&B, then divide by Annual Allocation Amt. 89%
Maximum Allowable
Purchase Price: ,�,���N�W�„���' � zx����p.��Q a������!r� a.Ri� �•.����P�at�����
i
AilocationBreakdown AI7ioUnY % ProjectedProgramincome: �� �Ot�fr�QU:RQ',;MaxAmountPrograrrllncomeForAdmin: $5,000.00 f
Very-Low Income $82,750.00 42.0% Projected Recaptured Funds: °`�� ��;,,,;
Low hicome $85,000.00 43.2°/ Distribution: $�6; 48�,'.pp,:', �
Moderate Income 0.0°/u Total Available Funds: ;$"I9� 983,�74''.
TOTAL 85.2% 20-Mar 12
......_.. __.. __ .... . ........_.... ..� �. _.____....._.__.�_,_..�. ....._.. ,____�_. __._�_ .,�....._.. _.......�._.��..,�. .__ _......._..�
--�—_.._ —____. _— —
FLOh�IDA HOUSING FINANCE CORPORATION °�°°.°^.°k°PP°°•a.b°°,6'�^m.^'m°^�,.^�.�^°m�.�
HOUSING DELIVERY GOALS CHART#2002 NewP���: X
T STRATEGIES FOR THE LOCAL HOUSING ASSIBTANCE PLAN FOR STATE FISCAL YEAR: 2014-2015 /+mandmant:
Fiseal Yr. Clostout:
Nama of Locai Government: CITY OF CLEARWATER Available Funds: $�ss,ss3.00
__._---- _--- _--------_ ----- ------- __ _ _-- -----
A B C D E F
HOME OWNERSHIP VLI Max.SHIP LI Max.SNIP MI Max.SHIP NewConshuction RehablRepair WithoutConstruction Total Total Total
---- -- -- _ __ _ ___.__.. —___ � -- --- -- ---
STRATEGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollafs Percantage Units
7. DPCCqforNewCOnstructfOnHOmes 0 511,250.00 2$11,250.00 0$11,250.00 $22,500.00 � $22,500.00 11.42% 2
$�.�0 0.00% 0
2. DPCCAforexistingFlomes 1 $6,250.00 4 $6,250.00 0 $6,250.00 $25,000.00 $6,250.00 $31,250,00 15.86% 5
$0.00 0.00% 0
3.OwburOccupiedRehabilitation 5 $12,500.00 3$12,500.00 0$12,500.00 $100,000.00 $100,000.00 50.77% 8
$0.00 0.00% 0 '
4.oi�asmrntnipation 0 $5,000.00 0 $5,000.00 0 $5,000.00 $0.00 0.00% 0
$0.00 0.00% 0
Subtolal 1(Home Ownership) 6 9 0 $22,500.00 $125,000.00 $6,250.00 $153,750.00 78.05% 15
RENTAL VLI Maz. SHIP LI Maa. SHIP MI Max. SHIP New Construction RehablRepair Without Construttion Total TOt2� Total
STRATEGIES uniis Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units
M�i�;i-Fairii�yfioa�:in� 1 �14,000.00 1$1Q,000.00 0 $14,000.00 $28,535.00 $28�535.00 14,49% 2
$0.00 0.00% 0
• $0,00 0.00% 0
$0.00 0.00% 0
$0.00 0.00% 0
Subtotal2(Non-HomeOwnership) 1 1 0 $28,535.00 $0.00 $0.00 $28,535.00 14.49% 2
Administration Fees $9,698.00 4.92%
Admin. From Proc�ram Income $5,000.00 2.54%
Home Ownership Counseling 0.00%
GRAND 70TAL
AtldSUb�ola�518Y,pIusallAdmin.dHOCOUnsellnq 7 10 0 $51035.00 �$125000.00 $6250.00 $196983.00 100.00% 17
Porcentage Construction/Re CalculateConstr./RehabPercent.byaddingGrandTotalColumnsA88,thendividaby AnnualAllocationAmt. 89%
Maximum Allowable
Purchase Price: .,�Ne.`N �`��: ���.�T. .$15,Q�OOg ����xistt��� �i� .�......,� .'�`� �.:�d'
� 1
AlioCation Bredkdown Amoullt % Projected Program Income. � :�10p,ppd:QO? MaxAmount Program Income ForAdmin: $5,000.00 �
Very-LOW InCOme �U2,750.00 42.0% Projected Recaptured Funds: -`
l,oW 1f1c0�1i2 $85,000.00 43.2% Distribution: ;,���� �9�6��463 Qg'�",� �
Moderate income o.oi• Tocaia�a�iabie Funds: � �'��9���$3;00'; i
TOTAL 85.2 /0 2o-Mar-12
Title: LHAP Template 2009
No. 001
67-37.00SQ), F.A.C.
Effective Date: l l/09
Exhibit D
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government:
(1} The local government will advertise the availability of SHIP funds pursuant to Florida
Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race, creed, religion, color, age, sex, familial or marital
status, handicap, or national origin.
(3) A process for selection of recipients for funds has been developed.
(4) 'The eligible municipality or county has developed a qualification system for applications for
awards.
(5) Recipients of funds will be required to cantractually commit to program guidelines.
(6) The Florida Housing Finance Corporation will be notified promptly if the local
government (or interlocal entity) will be unable to comply with the provisions the plan.
(7) The Local Housing Assistance Plan shall provide far the expenditure of SHIP funds within
24 months following the end of the State fiscal year in which they are received.
(8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment to
the Local Government Comprehensive Plan will be initiated at the next available
opportunity to insure conformance with the Local Housing Assistance Plan.
(9) Amendments to the approved Local Housing Assistance Plan shall be provided to the
Corporation with in 21 days after adoption.
(10) The tr�lst fund shall be established with a qualified depository for all SHIP fiinds as well
as moneys �enerated from activities such as interest earned on loans.
(11) Amounts on deposit in the local housin� assistance trust fi�nd shall be invested as permitted
by law.
(12) The local housin; assistance trust fi�nd shall be separately stated as a special revenue fund in
the local governments audited financial statements, copies of the audits will be forwarded to
the Corporation as soon as available.
Pa�e 2
Title: LHAP Template 2009
No. 00 ]
67-37.005( I ), F.A.C.
Effective Date: ll/09
Exhibit D
Certification
13) An interlocal entity shall have its local housing assistance trust fund separately audited
for each state fiscal year, and the audit forwarded to the Corporation as soon as possible.
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) Developers receiving assistance from both SHIP and the Low Income Housing Tax
Credit (LIHTC} Program shall comply with the income, affordability and other LIHTC
requirements, Similarly, any units receiving assistance from other federal programs shall
comply with all Federal and SHIP program requirements.
(16) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to service eligible persons.
(17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least
annually for 15 years for compliance with tenant income requirements and affordability
requirements or as required in Section 420.9075 (3)(e)
(18) The Plan meets the requirements of Section 420-907-9079 FS, and Rule Chapter 67-37
FAC, and how each of those requirements shall be met.
(19) The provisions of Chapter 83-220, Laws of Florida hus or X hus not
been implemented. �note: m�am� nade co�nry w�u �ne�k "has")
Witness
Witness
Date
�.
Attest:
(Seal)
2
Chief Elected Official or designee
Type Name and Title
Titie: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
Exhibit F
� STATE HOUSING II�IITIATIVES PARTNERSHIP (SHIP) PROGRAM
INFORMATIDN SHEET
LOCAL GOVERNMENT: CITY OF CLEARWATER
CHIEF ELECTED OFFICIAL (Mayor, Chairman, etc.): GEORGE
CRETEKOS ADDRESS: 112 S. OSCEOLA
AVENUE CLEARWATER FLORIDA
33756
SHIP ADMINISTRATOR: TERRY MALCOLM-SMITH
ADDRESS: 112 SOUTH OSCEOLA AVENUE CLEARWATER FLORIDA 33756
TELEPHONE:( )727-562-4036 FAX:( ) 727-562-4037
EMAIL ADDRESS: terry malcolm-smith(cr�m�learwater.co
ADDITIONAL SHIP CONTACTS: MICHAEL HOLMES
ADDRESS: l 12 SOUTH OSCEOLA AVENLTE CLEARWATER FLORIDA 33756
EMAIL ADDRESS: michael.holmes@myclearwater.com
INTERLOCAL AGREEMENT: YES/NO (IF yes, list other participants in the inter-local agreement):
The following information must be furnished to the Corporation before any funds can be disbursed.
LOCAL GOVERNMENT EMPLOYER FEDERAL ID NUMBER: 59-6000289
MAIL DISBURSEMENT TO: _CITY OF CLEARWATER
ADDRESS:
OK:1F YOUR FUNDS ARE ELECTRONICALLY TRANSFERRED PLEASE COMPLETE THE ATTACHED FORM:
X NO CHANGE FROM PREVIOUS ELECTRONIC FORM SUBMITTED.
Provide any additional updates the Corporation should be aware of in the space below:
Please return this fonn to: Sl-IIP YIZOGRAM MANAGER, FHPC 227 N. BRONOUGII ST, STE �000
1'�LLAHASSEE, FL 32301 Fax: (850}488-98Q9
Titie: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: ll/09
Exhibit D
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Name of Local Government: CITY OF CLEARWATER
(1) The local government will advertise the availability of SHIP funds pursuant to Florida
Statutes.
(2) All SHIP funds will be expended in a manner which will insure that there will be no
discrimination on the basis of race, creed, religion, color, age, sex, familial or marital
status, handicap, or national origin.
(3) A process for selection of recipients for funds has been developed.
(4) The eligible municipality or county has developed a qualification system for applications for
awards.
(5 j Recipients of funds will be required to contractually commit to program guidelines.
(6) The Florida Housing Finance Corporation will be notified promptly if the local
government (or interlocal entity) will be unable to comply with the provisions the plan.
(7) The Local Housing Assistance Plan shall provide for the expenditure of SHIP funds within
24 months following the end of the State fiscal year in which they are received.
(8) The plan conforms to the Local Government Comprehensive Plan, or that an amendment to
the Local Government Comprehensive Plan will be initiated at the next available opportunity
to insure conformance with the Local Housing Assistance Plan.
(9) Amendments to the approved Local Housing Assistance Plan shall be provided to the
Corporation with in 21 days after adoption.
(10) The trust fund shall be established with a qualified depository for all SHIP funds as well
as moneys generated from activities such as interest earned on loans.
(11) Amounts on deposit in the local housing assistance trust fund shall be invested as permitted
by law.
(12) The local housing assistance trust fund shall be separately stated as a special revenue fund in
the local governments audited financial statements, copies of the audits will be forwarded to
the Corporation as soon as available.
Title: LHAP Template 2009
No. 001
67-37.005(1), F.A.C.
Effective Date: 11/09
Exhibit D
Page 2
Certification
13) An interlocal entity shall have its local housing assistance trust fund separately audited
for each state fiscal year, and the audit forwarded to the Corporation as soon as possible.
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) Developers receiving assistance from both SHIP and the Low Income Housing Tax
Credit (LIHTC) Program shall comply with the income, affordability and other LIHTC
requirements, Similarly, any units receiving assistance from other federal programs shall
comply with all Federal and SHIP program requirements.
(16) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to service eligible persons.
(17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least
annually for 15 years for compliance with tenant income requirements and affordability
requirements or as required in Section 420.9075 (3)(e)
(18) The Plan meets the requirements of Section 420-907-9079 FS, and Rule Chapter 67-37 FAC,
and how each of those requirements shall be met.
(19) The provisions of Chapter 83-220, Laws of Florida has or X laas not
beeri 1TripleTtlerited. (note: Miami Dade County will check "has")
Witness Chief Elected Official or designee
Witness
Date
1'
Attest:
(Seal)
George Cretekos, Mayor
Appr ved as to form:
-u,��,G,.- �!1�-�-�
Laura Mahony, Assistant Ci Attorney