06-25
',,!
RESOLUTION NO. 06-25
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 2006-2009;
PROVIDING AN EFFECTIVE DATE.
WHEREAS, the NEIGHBORHOOD AFFORDABLE
HOUSING ADVISORY BOARD has met its statutory and
organizational assignments by preparing a set of recommendations
to the City Council addressing affordable housing incentives and
associated issues; and
WHEREAS, the NEIGHBORHOOD AFFORDABLE
HOUSING ADVISORY BOARD has reviewed and approved
STATE HOUSING INITIATIVES PARTNERSHIP LOCAL
HOUSING ASSISTANCE PLAN covering State Fiscal Years 2006-
2009 at their April 11 , 2006 meeting; and
WHEREAS, the LOCAL HOUSING ASSISTANCE PLANS
provides that ten percent (10%) of the total SHIP allocation will be
used for administrative expenses, and
WHEREAS, Section 420.9075(6), Florida Statutes, provides
that the City may use five percent (5%) of its annual SHIP
allocations 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 2003-2006, shall be
those as utilized by the Housing Finance Authority of Pinellas
County, as amended and updated, now, therefore,
Resolution No. 06-25
BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY
OF CLEARWATER, FLORIDA:
Section 1. The City of Clearwater hereby accepts the
NEIGHBORHOOD AFFORDABLE HOUSING ADVISORY BOARD
recommendations attached to this resolution as the LOCAL
HOUSING ASSISTANCE PLAN covering State Fiscal Years 2006-
2009.
Section 2. This resolution shall take effect immediately
upon adoption.
PASSED AND ADOPTED this 20th day of April
,2006.
4~ f:' ~
'Frcfilk V. Hibbard
Mayor
Approved as to form:
Attest:
"~, 7J ~
B~<R~it' .
Assistant City Attorney
2
Resolution No. 06-25
>-
f-
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CITY OF CLEARWATER, FLORIDA
STATE HOUSING INITIATIVES PARTNERSIDP (SIDP) PROGRAM
LOCAL HOUSING ASSISTANCE PLAN (LHAP)
For
FISCAL YEARS
2006-07,2007-08 & 2008-09
,
I
I. PROGRAM DESCRIPTION Chapter 67-37.005 FAC. and Section 420.9072, F.S.
A. Name of the participating local government and Interlocal if Applicable:
Section 420. 90 72(5), F.S.
Clearwater, Florida
Interlocal : Yes: 0 No: IZJ
Name of participating local government(s) in the Interlocal Agreement;
A copy of the Interlocal Agreement is attached as Exhibit H.
B. Purpose of the program: Section 420.9072, F.S. and Chapter 67-37.005(3), FAC.
This Local Housing Assistance Plan (LHAP) sets forth the three year plan outline
through which the City of Clearwater will implement the State Housing Initiatives
Partnership (SHIP) Program, which is designed to provide for: (i) a sharing between
the State and local governments a portion of the revenue collected from the
documentary stamp tax on deeds, (ii) the establishment of public-private partnership
to build, rehabilitate and preserve affordable housing, and (iii) maximum flexibility
to local governments to determine the use offunds to better meet the responsibilities
for affordable housing as set forth in the comprehensive plan.
The City's LHAP has seven (7) Goals:
1. Increasing the amount of homeowners hip in the City of Clearwater.
2. Preserving, increasing, and rehabilitating the City's housing stock, especially
what is available for very low, low and moderate income families.
3. Providing opportunities for very low, low-, and moderate-income families to
improve their standard of living.
4. Providing the match required by Federal and State programs.
5. Improving the living conditions of substandard targeted neighborhoods (targeted
neighborhoods)
6. Providing opportunities for households to obtain or remain in their homes or
rental units.
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7. Providing housing opportunities for the City's homeless populations, or those at
risk of becoming homeless.
C. Fiscal years covered by the Plan: Chapter 67-37.002,F.A.C.
rgj 2006/2007
rgj 2007/2008
rgj 2008/2009
D. Governance: Chapter 67-37.005(3)and(5)(i)F.A. C. and Section 420.9071 (/4)F.S.
The SHIP Program is established in accordance with Section 420.907-9079,
Florida Statutes and Chapter 67-37.007 Florida Administrative Code.
The SHIP Program does further the housing element of the local government
Comprehensive Plan.
E. Local Housing Partnership Section 420.9072(l}(a), Pes.
The City of Clearwater has established local housing partnerships and resources to
increase the affordability of housing through down payment and closing cost
assistance, low interest rate mortgage loans, grants and other direct subsidies that
make market rate housing affordable to lower income households. Special interest
rates, product pricing structures, special programs and other incentives offered by
lenders and real estate professionals enhance affordability.
The City of Clearwater SHIP Program is a true partnership involving public, private
and nonprofit entities using its expertise and talents to the implementation of the
plan. Among some of our key partners include:
1. Nonprofits: These groups are usually at the front-lines dealing directly with the
recipients, or potential recipients of the City's SHIP Program.
2. Lenders: Lenders are very involved with providing funding for clients to obtain
affordable housing.
3. Realtors: Realtors explain the program to homebuyers and guide them through
the application process.
4. Builders/Contractors: Builders provide the same services as realtors and help
the City meet the construction set aside.
5. Professional Service Providers: These businesses, whether they are public or
private, are essential for the success of the program. They provide the technical
skills necessary to provide such items as counseling, title work, and
architectural services.
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6. Other Government Agencies - Whether they are local, state or federal, other
government agencies aid in the success of this plan through leveraging funds,
expedited permitting, and program administration.
Other groups that are involved in the City's SHIP Program, either directly or
indirectly includes:
· Other local municipalities
· State of Florida
· West Central Florida SHIP Steering Committee
· United States Department of Housing and Urban Development
· Federal Housing Administration
· Veterans Administration
· Fannie Mae and Freddie Mac
· Florida Housing Finance Corporation
· Housing Finance Authority of Pine lIas County
· Clearwater Housing Authority
· Community-based organizations
· Support service agencies, and
· Organizations representing the interest of persons with special needs.
Each respective individual and/or agency in the partnership has brought fOlWard
varying levels of understanding and viewpoints on affordable housing. The
partnership has identified local needs and provides for a cooperative effort in the
production and maintenance of safe, decent and affordable housing in our
community.
Clearwater Housim! Loan Pool
The City of Clearwater's Housing Loan Pool (CHLP) Program, one of the City's
most successful partnerships, allows a designated Eligible Sponsors to partner with
the City of Clearwater to provide a variety of housing development related activities.
CHLP provides funding for down payment and closing cost assistance, acquisition
and rehabilitation loans/grants, ~onstruction loans, disabled retrofit loans/grants and a
revolving fund for small single family residential developments, individual single
family rehabilitation proj ects and single family in-fill housing. The goal of the
CHLP program is to strengthen our community by facilitating affordable housing
developments resulting in increased home ownership and rehabilitation opportunities
for the City's low and moderate income families while improving the housing stock
and stimulating further community development activities in targeted neighborhoods.
The CHLP draws it's funding from three sources: the SHIP program and the
Community DevelopmentBlock Grant (CDBG) and Home Investment Partnership
(HOME) Programs, both provided by the Federal Department of Housing and Urban
Development.
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Each fund source has specific requirements that govern its use. SHIP funds will be
used as described within specific planned strategies. CDBG and HOME funds will
be used for the residential single and multifamily development loan program.
To access the CHLP, the eligible sponsor must first be a designated "participant".
Funds from the loan pool will be made available on a first come, first served basis,
first eligible basis. Preference will be given to projects proposed within the targeted
areas that benefit very-low to moderate income residents.
Eligible Sponsors must prepare an application which contains such things as but not
limited to: organizational capacity, project proposal, pro-forma, project budget,
financial analysis, site information, zoning information, proof of clear title, and proof
of environmental assessment. The designated participant must plan to complete the
project within eighteen (18) months. Larger, longer-term projects may be proposed
outside of the loan pool as funding is available. Incentives to designated participants
will be granted to those organizations to facilitate local housing assistance strategies.
The goal of the City of Clearwater is to provide high quality housing to its program
participants at an affordable price. The City of Clearwater will provide financial
incentives and awards to designated participants and partners who assist in the
achievement of these goals.
F. Leveraging: Chapter 67-37.007(1)(b)(c), FAG. and Ssection 420.9075(I)(a) and (I)(b3, and (J)(c). F.S.
The Plans are 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 or programs.
Funds may also be leveraged with the Pinellas County Housing Finance Authority
Bond program.
G. Public Input: Chapter 67-37.005(3), F.A.C.
Public input was solicited through face to face meetings with housing providers,
social service providers and local lenders and neighborhood associations. Public
input was solicited through the local newspaper in the advertising of the Local
Housing Assistance Plan and the Notice of Funding Availability.
In addition, locally designed strategies have been determined through the Citizen
Participation Plan which encourages all citizens, including minorities and non-
English speaking persons as well as persons with disabilities to participate in the
development of Local Affordable Housing Plan and housing programs, with
particular emphasis on persons of very low to moderate income. Information and
records relating to our proposed use of funds is made easily accessible to the public
for review.
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Eligible Sponsors, by means of the City of Clearwater Consolidated Action Plan
process, are considered by application and evaluated and rated by either staff or a
review committee, depending on the proposed activity. Such things that are
evaluated include: the economic feasibility of a project, timeliness of completion,
past experience, commitment to expand affordable housing opportunities to very-
low, low and moderate income households, to eliminate slum and blighted areas, to
preserve the housing stock, to increase property values and to enhance community
image in a targeted area, priority.
Eligible persons will be served on a first come, first eligible basis, with priority given
to special needs population and households in need of emergency repairs, until all
available funds are allocated. Eligible Sponsors may apply for funds on a project-by.,.
project basis while funds are available.
H. Advertising and Outreach Chapter 67-37.005(6)(a), F.A.C.
The City shall advertise the notice of funding availability in a newspaper of general
circulation and/or, periodicals serving ethnic and diverse neighborhoods, at least 30
days before the beginning of the application period. lfno funding is available due to
a waiting list, no notice of funding availability is required.
The Housing Division also has a housing flyer describing the City's Housing
Programs that is periodically updated. Also information is disseminated at housing
fairs, workshops and on the City's Video Bulle#n Board.
I. Discrimination: Section 420.9075(3)( c), F.S.
In accordance with the provisions ofss.760.20-760.37, it is unlawful to discriminate
on the basis of race, creed, religion, color, age, sex, marital status, familial status,
national origin, or handicap in the award application process for eligible housing.
J. Support Services and Counseling: Chapter 67-37. 005(5)(g),F.A. C
Support services are available from various sources. Available support services
may include but are not limited to:
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Home OwnershilJ Counselinff Services
Home Ownership Counseling for homebuyers is currently being provided by eligible
sponsors, approved annually through the City's Consolidated Action Plan Process.
This counseling program contains course materials addressing pre-ownership issues,
credit, budgeting and foreclosure counseling.
The established and accredited course materials are acceptable and consistent with
those oflocallenders participating in City's housing programs and the Multi-County
Mortgage Bond Program offered through the Housing Finance Authority of Pinellas
County, Florida.
The home buyers counseling and education program is made available to all home
buyers of all income levels with a special effort to include the disabled, elderly, those
with special needs and especially those of very-low to moderate income.
No recapture provisions are proposed as home buyer counseling and education is a
requirement of the City of Clearwater's Down Payment and Infill assistance program
and of participating lenders. Homebuyer's counseling and education program
certificate is awarded to each prospective homebuyer whether or not that prospective
homebuyer obtains financial assistance.
. Clearwater Homeless Intervention Pro;ect (CHIP)
The CHIP overnight homeless shelter will provide safe lodging for chronic homeless
individuals. The CHIP shelter allows up to 62 persons to begin restructuring their
lives toward positive development and self-sufficiency. CHIP provides intensive
case management while facilitating assistance for CHIP clients from other agencies
that help the individual get off the street and into independent living on a permanent
basis. CHIP's homeless intervention program addresses the City of Clearwater's five-
year Consolidated Plan list of goals by providing housing and supportive services for
the homeless. CHIP also recently completed a eight (8) unit transitional housing
community - Parkbrooke Apartments - located next to their current facility and
anticipates developing similar type developments as land and funds become
available. SHIP funds were used in the construction ofParkbrooke Apartments.
Homeless Emerffencv Pro;ect (HEP)
The Homeless Emergency Project (HEP) serves the homeless population throughout
the City of Clearwater. HEP offers a comprehensive list of services targeted toward
training and direction of self-sufficiency through educational programs and large
group workshops that effectively. These programs comprehensively address the
needs of the homeless and financially disadvantaged, leading to greater chances of
self-sufficiency and maintaining family continuity.
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Partners in Self-Sufficiency (PSS)
Partners in Self-Sufficiency (PSS) assists very-low income families referred by the
Clearwater Housing Authority's Section 8 and family public housing programs to
achieve economic self-sufficiency within a contractual time period.
ReliJIious Community Services (RCS)
Grace House - Grace House is an emergency shelter for homeless families. The
program offers an 8-weeks program combining basic shelter needs and case
management to assist homeless families in moving towards self-sufficiency.
The Haven - The Haven provides a continuum of services to victims of domestic
violence in an effort to reduce the incidents of domestic violence and reduce the
amount of homelessness occurring due to domestic violence.
Familv Resources
Established in 1970, Family Resources has been meeting the immediate needs of
runaway and homeless children. The program goals are to unite children and youth
with their families. In addition to providing these children and youth with safe and
comfortable temporary housing, program staff provide the children and their families
with a continuum of services, including counseling, life skill training and appropriate
referrals.
The Kimberlv House
The Kimberly House established an emergency transitional housing project for
homeless pregnant women. The Kimberly House provides low-income pregnant
women with the opportunity to gain a self-sufficient lifestyle and secure future for
themselves and their children and offers housing for the entire length of pregnancy or
as a smooth transitional solution prior to long-term placement. The program also
provides infant to toddler day care so that women can be employed as they work
towards self-sufficiency.
Pinel/as OOlJortunitv Council - Chore Services ProJIram (POC)
Pinellas Opportunity Council assists elderly persons to maintain their homes in a safe
and sanitary condition, allowing the elderly to remain independent and to avoid pre-
mature institutionalization. poe services include the removal of accumulated debris
including old appliances, tires, building material; furniture and other trash. The goal
ofPOe is to assist the low-income elderly Clearwater population maintain a decent,
independent living environment.
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Hispanic Outreach - Education and Information Prof!ram
The recent immigrants from Latin America are underserved by banking, housing, and
other life enhancing services due to lack of information and training in these topics in
the Spanish language. This project is aimed at reaching a wide audience to teach the
basics in financial practices to allow residents to obtain credit, loans, savings and
checking accounts, proper budgeting aimed at enhancing progress in accumulating
wealth through housing investment.
Citv of Clearwater - Communitv Response Team (CRT)
The City of Clearwater for many years has been providing community assistance
through several redevelopment programs, community policing programs,
neighborhood services, and other proactive community action groups and services.
The City of Clearwater Community Response Team involves having inspectors walk
through the neighborhoods and perform door-to-door surveys. This approach offers
several advantages and:
· Creates an open dialogue between the citizens and the inspectors
· Allows inspectors to educate citizens on city codes and standards
· Permits a routine inspection of the property
· Allows distribution of free smoke alarms, water saving devices and house
numbers
· Creates an opportunity for the City to offer financial assistance through State
and Federal funding sources
· Conserving existing areas that are in good condition
· Preserves existing housing stock through rehabilitation
· Community redevelopment
The ultimate goal of the Community Response Team is to achieve voluntary code
compliance through education, communication and cooperation, decreasing the
number of non-conforming residences, reducing the decline of housing values,
increasing the investment potential, and enhancing the overall community image.
K. Purchase Price Limits: Section 420.9075(4)(c), F.S. and Chapter67-37.007(6)F.A.C.
Purchase Price Limits: The sales price or value of new or existing eligible housing
may not exceed 90% of the average area purchase price in the statistical area in
which the eligible housing is located. The City of Clearwater shall use the
maximum purchase price limits as established and used by the Housing Finance
Authority (HFA) of Pine lIas County, as amended and updated. Currently the HFA is
using the U.S. Treasury Limits.
D Independent Study (copy attached)
IZI U.S. Treasury Department
IZI Local HF A Numbers
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The purchase price limit for new and existing homes is shown on the Housing
Delivery Goals Charts.
L. Income Limits, Rent Limits and Affordability:
Chapter 67-37.00S(S)(e), FA.C. .and Section 420.9071(2), FS.
The Income and Rent Limits used in the SHIP Program are updated annually from
the Department of Rousing and Urban Development and distributed by Florida
Housing Finance Corporation. Affordable means that monthly rents or mortgage
payments including taxes and insurance do not exceed 30 percent of that amount
which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071 (19), (20) and (28), F.S. However it is
not the intent to limit an individual household's ability to devote more than 30% of
its income for housing, and housing 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. Wages to Work: Chapter 67-37. 005(6)(b)(7)F.A. C.
Eligible Sponsors who employee personnel from the WAGES and Workforce
Development Initiatives Program will be given preference in the selection process as
required by Chapter 67-37.005(6)(b)7, F.A.C.
N. Monitoring and First Right of Refusal: Section 420.9075(3)(e)and (4) (f), FS.
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 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 or grant in the original amount
of $3,000 or less shall not be subject to these annual monitoring and determination of
tenant eligibility requirements. Tenant eligibility will be monitored for at least
annually for 15. years or the term of assistance which ever is longer unless as
specified above.
Loans or grants for eligible rental housing constructed, rehabilitated, or otherwise
assisted under this strategy must be reserved for eligible persons for 15 years or the
term of the assistance, whichever period is longer. The City, Eligible Sponsor or
appointed designee, shall annually monitor and determine tenant eligibility
throughout the 15 year compliance period. For those developments that the Florida
Housing Finance Corporation provides the same monitoring and determination, the
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City may rely on such monitoring and determination of tenant eligibility.
Eligible sponsors that offer rental housing for sale before 15 years or that have
remaining mortgages funded under this strategy must give a first right of refusal to
eligible nonprofit organizations for purchase at the current market value for
continued occupancy by eligible persons.
The SHIP assisted units in a rental housing project will be occupied only by
households that are eligible as very-low to low income families. Maximum monthly
rent limits will be those established annually by HUD and distributed by FHFC.
The City of Clearwater will establish maximum monthly allowances for utilities and
services and will review and approve rents proposed by the owner for units subject to
the maximum rent limitations. The owner cannot refuse to lease SHIP assisted units
toa certificate of voucher holder under 24 CFR part 982, Section 8 Tenant-Based
Assistance: Unified Rule for Tenant-Based Assistance under the Section 8 Rental
Certificate Program and the Section 8 Rental Voucher Program.
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: Chapter 67-37.005(6)(/)3. F.A.C..
A detailed listing including line-item budget of proposed Administrative
Expenditures is attached as Exhibit A. These are presented on an annual basis for
each State fiscal year submitted.
The City of Clearwater finds that the moneys deposited in the local housing
assistance trust fund shall be used to administer and implement the local housing
assistance plan.
The City of Clearwater City Council finds, by resolution, that five (5) percent of the
local housing distribution plus five (5) percent of program income is insufficient to
adequately pay the necessary costs of administering the local housing assistance plan.
The City Council has adopted a resolution that states that 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.
The City has adopted the above findings in the attached resolution, Exhibit E.
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II. LHAP HOUSING STRATEGIES: Chapter 67-37.005(5), F.A.C.
NOTE: Include a separate stratef!V for Disaster MitiJ!ation
A. DOWN PAYMENT AND CLOSING COSTS ASSISTANCE
The City of Clearwater, through its affordable housing programs and through
eligible sponsors shall provide SHIP funds to provide down payment and
closing cost assistance to income eligible homebuyers of very-low to
moderate income. Preference will be given to those individuals who have
been displaced through divorce proceedings with evidence of relinquishment
of title to primary homestead property.
hI the case of new construction development, the City may loan funds to
Eligible Sponsors for the construction of eligible housing, and in some cases,
the associated infrastructure, if the Eligible Sponsor is doing a subdivision.
hI certain cases it may be necessary to grant all, or portion thereof, the SHIP
funds associated with infrastructure costs in any development(s) that we may
provide funding for infrastructure and other associated development costs that
have multiple lots and where it would not be feasible to recover all the
funds/costs due to marketability of the final homes. The interest on the
construction funds will be a zero percent (0%), a low-interest loan, or some
combination thereof. The determination on whether a loan will have an
interest rate, will be determined on a project-by-project basis, depending on
such things as, but not limited to the economics of each project. In most
cases the construction funds will be repaid when the home is sold to an
eligible household. hI terms of Annual Reporting, only the assistance that is
provided to the eligible household and associated development and
processing fees will be counted because all, or a portion of the funds that are
loaned to the Eligible Sponsor for the construction of an eligible dwelling(s)
will be repaid to the City upon completion of the home. At no time shall the
amount of assistance that is "left-behind" to the eligible household exceed the
maximum subsidy levels established in this plan for this strategy.
The City will also provide funding for assistance to homebuyers that may be
used by the borrower for down payment and/or closing costs, including such
things as, but not limited to, prepaid items and construction interest. The
providing of interest rate buy-downs will also be an eligible activity under
this strategy.
Funds cannot be utilized to payoff debts, collections, or past due amounts and
will not be provided when excessive fees or above market interest rates are
being charged.
To be eligible for assistance, the household income bfthe home buyer must
not exceed the income limits, adjusted for family size as set forth by the
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income eligibility criteria in compliance with the SHIP Program, which is
based on the current applicable definitions of median income for the area
adjusted for family size published from time to time by the U.S. Department
of Housing and Urban Development and distributed annually by FHFC. The
homebuyer must, also, be a citizen of the United States of America or a
permanent resident alien possessing a "green card".
Eligible properties are classified as an existing property or newly constructed
property that is publicly or privately held for sale to a potential homebuyer
and meets the following requirements:
. Is a single family residence
· Is a condominium unit
. Is a townhouse
· Is a multiunit complex
· Is a manufactured home that meets the provisions of Section 553
F.S.
· Is owner-occupied (will allow rental occupied in certain cases)
· Is built prior to 1978 with no evidence of chipping, peeling or
chalking paint, or ifbuilt prior 1978 and iffederal funds will be
used, the home must be inspected for lead based paint.
· Does not exceed the maximum allowable sales price as
established and approved by the City.
· Must be located within the City limits of Clearwater.
a. Fiscal Years Covered: ALL
b. Income Categories to be served: ALL
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default:
1. Deferred payment or low-interest loans will be available to
homebuyers for down payment and closing cost assistance with
the following stipulations:
a. City Loan term is not to exceed 30 years
b. Loans will be secured by a note and subordinate mortgage
security instrument recorded in the public records of
Pinellas County, Florida until satisfied
c. Repayment of the loan will be a low-interest loan, deferred
payment loan at 0% or some combination thereof
d. Deferred payment loans may have a decreasing loan
balance that will be defined in the mortgage note
e. In certain hardship cases, a grant may be used in
combination with a loan.
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2. Repayment of the entire principal balance of the loan is due and
payable in full:
a. Upon sale or transfer of title to the property
b. The property is vacated and/or is no longer the primary
residence of the borrower
c. The property is converted into a rental unit
d. Refinancing or assumption of financing the property
e. Certain refinancing conditions may allow a loan to remain
on the home
e. Recipient Selection Criteria: All program recipients will be income
eligible and will be selected using the City's Housing Pool
Underwriting Guidelines, Policies and Procedures, as amended.
f Sponsor Selection Criteria: Eligible Sponsors will be selected using the
City's Consolidated Action Plan Application.
g. Additional fuformation: In the event of a natural and/or man-made
disaster and a declaration by the local authorities, State of Florida
and/or federal government of a disaster area, any funds that are
unencumbered for the Down Payment and Closing Costs Assistance
Strategy, may be used to assist with disaster recovery efforts. The
expenditure offunds must be for eligible activities as permitted by SHIP
statute, rule and/or emergency rule as published by the Florida Housing
Finance Corporation.
B. REPLACEMENT HOUSING
The City of Clearwater recognizes that the housing stock in its older
neighborhoods is declining. Homes found to be unsafe will be identified
through the assistance of non-profit housing providers, code enforcement,
local fire districts and City inspectors. Homes found to subject to
condemnation may be referred for consideration of replacement. As a result
of condemnation, however, homeowners may be caused to experience
displacement. SHIP, HOME and/or, CDBG funds will be made available to
assist with relocation ofthe homeowner during the construction period.
SHIP funds will be used for the demolition and construction of a new home,
replacing the dilapidated single-family structure. The City of Clearwater
shall provide funds to demolish and reconstruct and/or develop affordable
owner-occupied housing that is found to be code deficient to the point that
rehabilitation is not economically feasible.
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a. Fiscal Years Covered: ALL
h. Income Categories to be served: ALL
c. Maximum award is noted on the Housing Delivery Goals Charts:
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d. Terms, Recapture and Default Properties must be used for the
principal/homestead residence of the recipient. Recipients must not
rent, resell, or transfer title to property. Subordination of the City's loan
will be allow in those cases where the subordination meets the City's
Subordination Policy, as amended. Recipients must also abide by the
City's loan and/or grant documents, which dictate conditions that will
trigger recapture and default.
e. Recipient Selection Criteria: The assistance will be provided in the
form of a low interest loan, or as a deferred payment loan or grant,
depending on the household's income. Grants will typically be llsed
when a hardship exist, or for households who are considered Special
Needs.
Typically this program will be administered by City Housing Division
Staff.
Structures or properties with the most immediate threat to the
household, public health, safety and welfare will receive priority
consideration.
Applicants must make an attempt to obtain maximum loan financing
through traditional lenders. Proof of applicant's attempt to obtain such
financing must be evidenced by either:
· Lender approval letter for maximum qualifying loan
amount, or
· Denial letters from two (2) lending sources
All program recipients will be income eligible and will selected using
the City's Housing Pool Underwriting Guidelines, Policies and
Procedures, as amended.
f. Sponsor Selection Criteria: Eligible Sponsors will be selected using the
City's Consolidated Action Plan Application.
h. Additional fuformation: fu the event of a natural and/or man-made
disaster and a declaration by the local authorities, State of Florida
and/or federal government of a disaster area, any funds that are
unencumbered for the Down Payment and Closing Costs Assistance
Strategy, may be used to assist with disaster recovery efforts. The
expenditure of funds must be for eligible activities as permitted by SHIP
statute, rule and/or emergency rule as published by the Florida Housing
Finance Corporation.
03.27.06
15
C. OWNER-OCCUPIED REHABILITATION
The City of Clearwater, through its affordable housing programs and through eligible
sponsors shall provide funds for the rehabilitation of existing owner-occupied single
familyresidences located within the City limits of Clearwater. Funding shall come
from the City's Housing Pool. Funds shall be provided for Eligible Sponsors to
rehabilitate or purchase, a single family structures that may be in need of repair or
modernization for the eventual sale to very-low to moderate income households.
Priority will be given to very low and low income households.
Funding for assistance may be used by the homeowner for housing rehabilitation
such as, but not limited to, the following:
· Correct housing code deficiencies
· Eliminate incipient housing code violations
· Eliminate conditions having a demonstrative blighting influence on
surrounding properties
· Replace housing elements which are nearing the end of their useful life
· Adapt residence to meeting accessibility needs of a handicapped family
member
· Alleviate an overcrowded situation
In certain cases the work to be done may of an emergency nature. In those cases
where the health, safety and welfare of the household is injeopardy, they shall
receive priority. Conditions that may be considered as an emergency concern are as
follows:
· Structural components that show signs of imminent collapse
· Inoperable heating systems during 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
· Other conditions as deemed as an emergency condition by the City
Funding through the City's Housing Rehabilitation Program may also be used for
Disabled Retrofit and Aging-In-Place type modifications to owner-occupied
housing. Funding will be made available for households who are physically and/or
mentally handicapped, or those as defined as having Special Needs as per 67-
03.27.06
16
37.002(11) F.A.C. Funding will also be made available to modify elderly
household homes, that need renovations to allow them to remain independent in
their homes, and prevents them from having to move out 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
· Improvements as deemed necessary for the disabled person to have a
normal life
· Improvements as deemed necessary to allow elderly residents to remain in
their current home.
a. Fiscal Years Covered: ALL
b. Income Categories to be served: ALL
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default: Properties must be used forthe
principal/homestead residence of the recipient. Recipients must not rent, resell,
or transfer title to property. Subordination of the City's loan will be allow in
those cases where the subordination meets the City's Subordination Policy, as
amended. Recipients must also abide by the City's loan and/or grant
documents, which dictate conditions that will trigger recapture and default.
e. Recipient Selection Criteria: The assistance may be in the form of a low interest
loan, deferred payment loan and/or grant. All program recipients will be
income eligible and will be selected using the City's Housing Pool
Underwriting Guidelines, Policies and Procedures, as amended.
f. Sponsor Selection Criteria: Eligible Sponsors will be selected using the City's
Consolidated Action Plan Application.
g. Additional Information: In the event of a natural and/or man-made disaster and
a declaration by the local authorities, State of Florida and/or federal
government of a disaster area, any funds that are unencumbered for the Down
Payment and Closing Costs Assistance Strategy, may be used to assist with
disaster recovery efforts. The expenditure of funds must be for eligible
activities as permitted by SHIP statute, rule and/or emergency rule as published
by the Florida Housing Finance Corporation.
03.27.06
17
D. MULTIFAMILY HOUSING
Funds may be provided as loans and/or grants to support the acquisition and
rehabilitation, or the new construction of multifamily 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.
Funding may also be provided for Disabled Retrofit and Aging-In-Place type
modifications to non-owner-occupied units. The maximum assistance for this type
activity shall be $3,000.00. Funding will be made available for households who are
physically and/or mentally handicapped, or those as defined as having Special Needs
as per 67-37.002(11) F.A.C. Funding will also be made available to modify elderly
household homes that need renovations to allow them to remain independent in their
homes, and prevents them from having to move out 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
· Improvements as deemed necessary for the disabled person to have a
normal life
Improvements as deemed necessary to allow elderly residents to remain in their
current home.
a. Fiscal Years Covered: ALL
b. Income Categories to be served: ALL
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default: Recapture will be compliant with the HOME
program requirements to ensure affordability as set forth in the City of
Clearwater's Consolidated Plan, providing that the unit will be leased or rented
to an eligible very low or low income household. When HOME funds are used
with SHIP, the most restrictive rules and regulations will apply. SHIP funds
used to match federal HOME program moneys may be repaid to the HOME
program fund if required by federal law or regulations.
The terms of the City's funding for multifamily rehabilitations or new
construction developments will vary from project to project, depending on the
economics of the development.
03.27.06
18
Loans or grants for eligible rental housing constructed, rehabilitated, or
otherwise assisted under this strategy must be reserved for eligible persons for
15 years or the term of the assistance, whichever period is longer. The City,
Eligible Sponsor or appointed designee, shall annually monitor and determine
tenant eligibility throughout the 15 year compliance period. For those
developments that the Florida Housing Finance Corporation 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 15 years or that have
remaining mortgages funded under this strategy must give a first right of refusal
to eligible nonprofit organizations for purchase at the current market value for
continued occupancy by eligible persons.
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.
Maximum monthly rent limits will be those established annually by HUD and
distributed by FHFC.
The City of Clearwater will establish maximum monthly allowances for
utilities and services and will review and approve rents proposed by the owner
for units subject to the maximum rent limitations: The owner cannot refuse to
lease SHIP assisted units to a certificate of voucher holder under 24 CFR part
982, Section 8 Tenant-Based Assistance: Unified Rule for Tenant-Based
Assistance under the Section 8 Rental Certificate Program and the Section 8
Rental Voucher Program.
e. Recipient Selection Criteria: The terms and conditions of the funds used in this
strategy will be decided on case-by-case basis depending on the economics of
the project and whether or not the proje<;;t can support a payment type loan.
Loans will be deferred, zero interest, low-interest or some combination thereof.
Typically the City will work closely with the developer and other funding
partners to assure that the proposed development(s) will have an adequate debt-
service-coverage to support all levels of proposed funding.
f. Sponsor Selection Criteria: Eligible Sponsors will be selected using the City's
Consolidated Action Plan Application. Eligible Sponsors may apply for
funding while funds are available.
g. Additional Information: In the event of a natural and/or man-made disaster and
a declaration by the local authorities, State of Florida and/or federal
government of a disaster area, any funds that are unencumbered for the Down
Payment and Closing Costs Assistance Strategy, may be used to assist with
disaster recovery efforts. The expenditure of funds must be for eligible
activities as permitted by SHIP statute, rule and/or emergency rule as published
by the Florida Housing Finance Corporation.
03.27.06
19
E. SINGLE-FAMILY ASSISTED BOND PROGRM,1
The City of Clemwater will provide SHIP funds to an eligible sponsor who shall be a
local Housing Finance Authority (HFA). The SHIP funds will be for eligible very-
low, low and moderate-income households to be used in conjunction with local bond
issues. SHIP funds will be used to create a blended rate and thereby lowering the
interest rate on the bond financed loans for eligible households. Loans can be for
acquisition of existing homes, new construction and rehabilitation of existing homes.
a. Fiscal Years Covered: ALL
b. Income Categories to be served: ALL
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default: The local HFA will assure that all City SHIP
files are properly documented to assure eligibility and compliance with SHIP
guidelines, including expenditure guidelines and also assure that all households
assisted with the City's SHIP funds reside in the City of Clearwater by
providing periodic reports to the City of all Clearwater households assisted.
SHIP Funds will be repaid to the City when the bond issue meets the Asset
Parity Test. Once the Asset Parity Test is reached (104%) with the bonds; and
all premium bonds are paid off, a portion of surplus funds generated by
mortgage repayments will, at the HF A's direction, be directed back to the HF A.
From those funds, the HF A will repay the SHIP investors (local jurisdictions)
and itself on a pro rata basis until all funds deposited in that issue are repaid.
Repayment will be on a semi-annual basis. The Trustee manages those
accounts and each bond issue must meet it's own parity test and they will occur
at different times depending on the maturity ofthe issue, the number of
prepayments and other issues.
e. Recipient Selection Criteria: The SHIP funds will be provided to the local
BFA at zero percent (0%) interest for very-low, low and moderate income
households and be leveraged with their bond funds. The bond documents will
specify the applicant selection criteria for the programs. Recipients will be
selected based on compliance with all eligibility requirements of the SHIP
Program and thereafter served on a first come, first served basis. .
f. Sponsor Selection Criteria: Eligible Sponsors may apply for funding while
funds are available.
g. Additional Information: In the event of a natural and/or man-made disaster and
a declaration by the local authorities, State of Florida and/or federal
government of a disaster area, any funds that are unencumbered for the Down
Payment and Closing Costs Assistance Strategy, may be used to assist with
disaster recovery efforts. The expenditure of funds must be for eligible
activities as permitted by SHIP statute, rule and/or emergency rule as published
03.27.06
20
by the Florida Housing Finance Corporation.
F. FORECLOSURE PREVENTION
Funds will be provided to assist households who have been previously assisted with
City of Clearwater SHIP funds in order to prevent foreclosure. The City will provide
funds only one time to bring a household current with their existing first mortgage,
up to.a maximum of six (6) payments or the maximum allowable subsidy under this
strategy.
The household must have been assisted with City of Clearwater SHIP, Community
Development Block Grant and/or HOME Investment Partnership funds within the
past five (5) years and in order to provide assistance to bring current, must be very-
low, low or moderate income at the time the Foreclosure Prevention assisted is
provided. The amount of the assistance will be added to the borrower's existing City
of Clearwater loan through a modification of mortgage note. The household must
commit to enroll in a credit counseling/budgeting course offered by an approved
local provider and must contribute an amount equal to two months of their current
mortgage payment. Applicants must also show that they will be able to keep the
house out of default, genuinely want to keep the house, and must show they can
make monthly mortgage payments.
It is not only important to help people become homeowners, it is also important to
make sure those homeowners stay in their homes. The intent under this strategy is
designed to assist households that need funds to either stop their homes from being
foreclosed, sold for non-payment of taxes, or protect if it is damaged.
a. Fiscal Years Covered: ALL
b. Income Categories to be served: ALL
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default: Properties must be used for the
principal/homestead residence of the recipient. Recipients must not rent, resell,
or transfer title to property. Subordination of the City's loan will be allow in
those cases where the subordination meets the City's Subordination Policy, as
amended. Recipients must also abide by the City's loan and/or grant documents,
which dictate conditions that will trigger recapture and default.
e. Recipient Selection Criteria: Assistance will only be provide where a valid
(documented) hardship exist that is the cause for the delinquency on their first
mortgage payments. The reason for the pending default, or delinquency, must
not be of their own doing. Such examples of hardship include, but not limited to:
. Loss of Employment, through no fault ofborrower(s)
. Substantial Decrease in Household mcome, through no fault of
borrower( s)
03.27.06
21
· Death of Spouse
· Temporary or Permanent Disability that Reduces Income
· Recent Divorce that Reduces Income
· Unforeseen Home Repairs
· Natural Disaster
· Fire
In certain cases where foreclosure on the first mortgage in inevitable, the City may
use SHIP funds to pay off the first mortgage and restructure the loan and/or acquire
the dwelling and sell the property to an income eligible household.
SHIP Funds may also be used to pay taxes and insurance, with the criteria that if the
taxes and/or insurance is not paid, the household would lose their home. This will be
a one-time assistance and only be provided if it is determined that the client will be
able to pay the premium and/or, taxes at the next renewal time.
Applicants requesting assistance for Insurance and Taxes must be very-low income,
with a family member 62 years of age or older, or a family member with a disability
receiving disability payments from Social Security.
Additionally, eligibility for this strategy shall be done in an expedited maqner and
may include alternative forms of documentation, such as current pay stubs and
benefit letters, as well as oral verification of employment wages, other income, and
assets.
f Sponsor Selection Criteria: Eligible Sponsors will be selected using the City's
Consolidated Action Plan Application. Eligible Sponsors may apply for funding
while funds are available.
g. Additional Information: In the event of a natural and/or man-made disaster and a
declaration by the local authorities, State of Florida and/or federal government of
a disaster area, any funds that are unencumbered for the Down Payment and
Closing Costs Assistance Strategy, may be used to assist with disaster recovery
efforts. The expenditure of funds must be for eligible activities as permitted by
SHIP statute, rule and/or emergency rule as published by the Florida Housing
Finance Corporation.
G. RENTAL DEPOSIT - EVICTION PROTECTION PROGRAM
The City, in an effort to assist households that are homeless, or at risk of becoming
homeless, will use SHIP funds to provide the up front funds for households to obtain
quality, safe, decent and affordable rental housing. The families must have the
income to afford the monthly rental payments. The City will pay for such things as
first month's rent, security deposit, utility connection/start-ups, up to a maximum of
$3000.00. Funds will also be provided to those tenants in danger of being eVicted
from their current occupied rental units.
03.27.06
22
a. Fiscal Years Covered: ALL
b. Income Categories to be served: VLI
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default: This funding will be in the form of a grant with
no repayment requirement.
e. RecipientSelection Criteria: Applicants using the Rental Deposit Programs must
meet the following criteria: Very low income, must be homeless or at risk of
homeless because of the inability to pay the rental deposit (first and last is also
defined as rental deposit under this program). The lease must be for at least one
year. Assistance is limited to a one-time award. Applicants cannot rent mobile
homes. Eligibility will be performed on an expedited basis and may include
alternative forms of documentation, such as current pay stubs and benefit letters,
as well as oral verification of employment wages, other income, and assets.
Assistance shall be done on a first-come, first-served basis.
Applicants requesting assistance using the Eviction Protection Program must
meet the following criteria: very low income, must be in danger of being evicted
out of their rental dwelling unit because. of late or non-payment. Applicants must
show that they have the ability to pay the rent after the County's assistance is
given without further assistance. Assistance is limited to a one-time award per
twelve month period. Applicants cannot rent mobile homes. Eligibility will be
performed on an expedited basis and may include alternative forms of
documentation, such as current pay stubs and benefit letters, as well as oral
verification of employment wages, other income, and assets. Assistance shall be
done on a first-come, fIrst-served basis.
f. Sponsor Selection Criteria: This will be administered by the City, and/or an
Eligible Sponsor. Eligible Sponsors will apply using the City's Consolidated
Action Plan Application, or any other method as the City may develop. This
program may be doing in partnership with the Pinellas County Coalition for the
Homeless.
h. Additional Information: fu the event of a natural and/or man-made disaster and a
declaration by the local authorities, State of Florida and/or federal government of
a disaster area, any funds that are unencumbered for the Down Payment and
Closing Costs Assistance Strategy, may be used to assist with disaster recovery
efforts. The expenditure of funds must be for eligible activities as permitted by
SHIP statute, rule and/or emergency rule as published by the Florida Housing
Finance Corporation.
H. DISASTER MITIGATION STRATEGY
In the case of a natural or man made calamity, priorities need to be changed to meet
03.27.06
23
emergency conditions. This strategy will only be used if a disaster, and/or a
declaration by the local authorities, State of Florida and/or federal government of a
disaster.
These funds will be used for the following activities:
· Purchase of emergency supplies to waterproof damaged homes.
· futerim repairs to avoid further damage, such as tree and debris removal
required to make individual housing units habitable.
· Construction of wells or repair of existing wells where public water is
unavailable.
· Payment of insurance deductibles for rehabilitation of homes covered under
homeowners' insurance polices.
· Security deposits and temporary rental assistance for displaced households.
· Removal of incipient hazards that may damage a Structure.
a. Fiscal Years Covered: ALL
b. fucome Categories to be served: ALL
c. Maximum award is noted on the Housing Delivery Goals Charts:
d. Terms, Recapture and Default: Assistance provided under this strategy will be in
the form of either a low-interest or deferred payment loan. fu certain cases a
grant may be issued.
e. Sponsor Selection Criteria: Eligible Sponsors will be selected using the City's
Consolidated Action Plan Application, or any other method(s) that the City may
develop to expedite the selection of Eligible Sponsors during disaster periods.
f. Additional fuformation:
For all strategies listed above, the City of Clearwater reserves the right to buy the property at
foreclosure sale to protect its loan interest. At that time, the City may re-sell the property to
the homebuyer and restructure the financing, or sell the property to an approved Eligible
Sponsor. The Eligible Sponsor agency will rehabilitate the property and sell it to a new
income eligible homeowner.
The City may foreclose itself if the homebuyer does not meet the terms of the City mortgage.
Where not stated in the above strategies, the maximum home value will be that as currently
being used by the Housing Finance Authority of Pinellas, as amended and updated.
03.27.06
24
III. LHAP INCENTIVE STRATEGIES
Section 420.9071(16). F.S.
The City of Clearwater has adopted a series of incentives to facilitate affordable housing.
Because Clearwater is nearly "built out" new development is typically done on an "in-fill"
basis. The City has worked with numerous developers on major construction projects in the
past and in those activities, the City facilitated the developer's applications, assisted with
permitting and provided a variety of incentives making projects attractive in the City.
In addition to City of Clearwater Staff and the City's NAHAB reviews, monitors and
evaluates the physical environment and lifestyle of very-low to moderate income households
assisted by the programs that the City administers through the Housing Division. The City
Staff and NAHAB also recommends specific initiatives to encourage or facilitate affordable
housing while protecting the ability of the property to appreciate in value. Such
recommendations may include the modification or repeal of existing policies, procedures,
ordinances, regulations or plan provisions; the creation of exceptions applicable to
affordable housing; or the adoption of new policies, procedures, regulations, ordinances or
plan provisions.
A. Name of the Strategy: Expedited Permit Processing
Permits as defined in s. 163.3164(7) and (8) for affordable housing projects are
expedited to a greater degree than other projects.
a. Established policy and procedures:
Buildinf! Department
All affordable housing projects as defined in Chapter 163.3164(7) and (8) F.S., that
are located within the City limits, will be required to submit a letter with their
application for building permit requesting that their application receive "Expedited
Processing". A copy of this letter must be sent to the City's Building Official and to
the Assistant Director of Housing. These projects are to be expedited to a greater
degree than other (non-affordable) projects.
Once an applicant receives approval oftheir affordable housing project the Assistant
Director of Housing shall be notified (via email) so that he can document the timing
of the application process.
Planninf! Department
The Planning Department will follow the City of Clearwater - Community
Development Code when processing all affordable housing applications for activities
that require such things as rezoning, land-use amendments, variances, development
orders, etc. Under the Code all projects are reviewed and may be scheduled for the
next meeting of the DevelopmetJ.t Review Committee (DRC - stafflevel review) and
if needed, the Community Development Board (CDB). Many applications can be
decided at the stafflevel and may not need to go the DRC and/or CDB. When
03.27.06
25
affordable housing projects and/or applications are submitted that can be decided at
the Stafflevel, they shall receive priority and be reviewed before any non-affordable
housing projects and/or applications. Applicants must indicated that their project
will be an "Affordable" housing development and/or project.
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.
a. Established policy and procedures: The Planning Department, as part of its
review of all proposed local policies, ordinances, regulations, plan provisions and
code revisions, will forward comments to the Economic Development and
Housing Department to prepare an economic impact analysis to determine, if any,
the increase to the cost of housing prior to adoption. This analysis does not have
to be anything sophisticated, but just show the anticipated increase in cost to an
average home, or state that there will be "no impact" to the cost of housing. A
copy of the economic analyses shall be provided to the Assistant Director of the
Economic Development and Housing Department - Housing Division.
In addition to City of Clearwater Staff, the City's Neighborhood and Affordable
Housing Advisory Board NAHAB reviews, monitors and evaluates the physical
environment and lifestyle of very-low to moderate income households in our
community. The City Staff also recommend specific initiatives to encourage or
facilitate affordable housing while protecting the ability of the property to
appreciate in value. Such recommendations may include the modification or
repeal of existing policies, procedures, ordinances, regulations or plan provisions;
the creation of exceptions applicable to affordable housing; or the adoption of
new policies, procedures, regulations, ordinances or plan provisions.
The City of Clearwater holds public hearings and meetings to obtain citizen
views and responds to citizen proposals and questions about proposed activities
and program performance. Citizens and other partners emphasize the need for a
broad range of opinion in the establishment of goals, objectives, projects and
priorities and in the application, monitoring and evaluation of funded programs.
Due to the relatively low numbers of new construction at the "affordable" level,
and the fact that each development needs different types of incentives, projects
are handled on a case-by-case basis.
Typically, the City's Economic Development and/or Housing Division meets
with a prospective affordable housing developer(s) to determine the level of
assistance and needs of the project. Staff then assists the developer through the
Building, Planning and Engineering Departments for plan review and the other
various applications needed for approval. This allows the Housing and/or
Economic Development Division to troubleshoot and provide explanations
immediately. Because project needs are established up front, assistance can be
provided seamlessly.
26
03.27.06
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan. Exhibit A.
B. Timeline for Encumbrance and Expenditure: Chapter 67-37.005(6)(d) and (f) P.A.C
A separate timeline for each fiscal year covered in this plan is attached as Exhibit B.
Program funds will be encumbered by June 30 one year following the end of the
applicable state fiscal year. Program funds will be fully expended within 24
months of the end of the applicable State fiscal year.
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year
Covered in the Plan: Chapter 67-37.005), FAC.
Completed HDGC for each fiscal year is attached as Exhibit C.
D. Certification Page: Chapter 67-37.005(7), F.A.C.
Signed Certification is attached as Exhibit D.
E. Adopting Resolution: Section 420.9072(2)(b)2, FS.
Original signed, dated, witnessed or attested adopting resolution is attached as
Exhibit E.
F. Program Information Sheet:
Completed program information sheet is attached as Exhibit F.
G. Ordinance: Section 420.9072(3)(a), FS.
If changed from the original ordinance, a copy is attached as
Exhibit G.
H. Interlocal Agreement: Section 420.9072, FS.
A copy of the futerlocal Agreement, if applicable, is attached as Exhibit H.
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03.27.06
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EXHIBIT "A"
ADMINISTRATION
The State Housing Initiatives Partnership Program (SHIP) administration shall not exceed 10% of
the City's annual allocation and 5% of program income received:
FY2006-2007 FY2007-2008 FY2008-2009
Salaries/Benefits,
Operating Equipment,
Travel/Training,
Supplies, Membership $104,126.00 $104,126.00 $104,126.00
Dues
TOTAL $104,126.00 $104,126.00 $104,126.00
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Exhibit C
C I T Y 0 F C LEA R W ATE R, F LOR IDA
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
LOCAL HOUSING ASSISTANCE PLAN
STATE FISCAL YEARS 2006-2009
2006 - 2007 AVERAGE/MAXIMUM AWARDS
STRATEGY - A:
DOWN PAYMENT & CLOSING COSTS ASSISTANCE
Proposed average cost per unit.. ................................... .......... .... ...$35,000.00
Proposed maximum cost/subsidy per unit.........................................$85,000.00
Proposed 2006-2007 maximum cost/subsidy per unit......................... $85,000.00
Proposed 2006-2007 average SHIP cost per unit................................$35,000.00
Proposed Number of households assisted............. ........ ............... ............ .12
STRATGY - B:
REPLACEMENT HOUSING
Proposed average cost per unit........... ............. ....................... ...... .$65,000.00
Proposed maximum cost/subsidy per ...........................................$125,000.00
Proposed 2006-2007 maximum cost/subsidy per unit........................$125,000.00
Proposed 2006-2007 average SHIP cost per unit...............................$65,000.00
Proposed Number of households assisted..................... ........................ ..2
STRATEGY - C:
OWNER OCCUPIED REHABILITATION
Proposed average cost per unit.................................................... ..$35,000.00
Proposed maximum cost/subsidy per unit.......................................$85,000.00
Proposed 2006-2007 maximum cost/subsidy per unit........................$85,000.00
Proposed 2006-2007 average SHIP cost per unit.............................. $35,000.00
Proposed Number of households assisted............ .....................................12
STRATEGY - 0:
MULTIFAMILY HOUSING
Proposed average cost per unit..................................................... .$25,000.00
Proposed maximum cost/subsidy per..................................... ........$1 00,000.00
Proposed 2006-2007 maximum cost/subsidy per unit........................$100,000.00
Proposed 2006-2007 average SHIP cost per unit...............................$25,000.00
Number of households assisted........................................................... ...20
STRATEGY - E:
SINGLE FAMILY BOND PROGRAM ASSISTANCE
Proposed average cost per unit..................................................... .$5,000.00
Proposed maximum cost/subsidy per unit.......................................$50,000.00
Proposed 2006-2007 maximum cost/subsidy per unit...................... ..$50,000.00
Proposed 2006-2007 average SHIP cost per unit...............................$5,000.00
Number of households assisted............................................................. .16
Exhibit C
STRATEGY - F:
FORECLOSURE PREVENTION
Proposed average cost per unit. ....... ......... ............... ..................... .$3,000.00
Proposed maximum cost/subsidy per unit.......................................$10,OOO.00
Proposed 2006-2007 maximum cost/subsidy per unit........................$10,OOO.00
Proposed 2006-2007 average SHIP cost per unit...............................$3,OOO.00
Number of households assisted................ ...... ......................... ........... ....5
STRATEGY - G:
RENTAL DEPOSIT PROGRAM
Proposed average cost per unit.. ....... ........ ...... ...... ........ .......... .......$2,000.00
Proposed maximum cost/subsidy per unit.. .............. ............ .... ..... ..$3,000.00
Proposed 2006-2007 maximum cost/subsidy per unit...................... ..$3,000.00
Proposed 2006-2007 average SHIP cost per unit...............................$2,OOO.00
Number of households assisted........................................................... ...5
STRATEGY - H:
DISASTER MITIGATION PROGRAM - OWNER-OCCUPIED
Proposed average cost per unit..................................................... .$2,000.00
Proposed maximum cost/subsidy per unit ........................................$10,000.00
Proposed"2006-2007 maximum cost/subsidy per unit........................$10,OOO.00
Proposed 2006-2007 average SHIP cost per unit...............................$2,OOO.00
Number of households assisted........................................................... ...5
STRATEGY - H:
RENTAL DEPOSIT PROGRAM - RENTAL
Proposed average cost per unit.................................................... ..$2,000.00
Proposed maximum cost/subsidy per unit............ .......... ............... ..$3,000.00
Proposed 2006-2007 maximum cost/subsidy per unit........................$3,OOO.00
Proposed 2006-2007 average SHIP cost per unit...............................$2,OOO.00
Number of households assisted................... ....................................... ....1 0
Exhibit C
C I T Y 0 F C LEA R W ATE R, F LOR IDA
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
LOCAL HOUSING ASSISTANCE PLAN
STATE FISCAL YEARS 2006-2009
2007 - 2008 AVERAGE/MAXIMUM AWARDS
STRATEGY - A:
DOWN PAYMENT & CLOSING COSTS ASSISTANCE
Proposed average cost per unit................ ................ ..... .............. ...$35,000.00
Proposed maximum cost/subsidy per unit...................................... ...$85,000.00
Proposed 2007-2008 maximum cost/subsidy per unit......................... $85,000.00
Proposed 2007-2008 average SHIP cost per unit................................$35,000.00
Proposed Number of households assisted................. ..... ...... ...... .... ........ ...12
STRATGY - B:
REPLACEMENT HOUSING
Proposed average cost per unit....... .............................................. .$65,000.00
Proposed maximum cost/subsidy per ................. ..........................$125,000.00
Proposed 2007-2008 maximum cost/subsidy per unit........................$125,000.00
Proposed 2007-2008 average SHIP cost per unit...............................$65,000.00
Proposed Number of households assisted............. ........ . ............ ........... ..2
STRATEGY - C:
. OWNER OCCUPIED REHABILITATION
Proposed average cost per unit. .................. ................... .............. ..$35,000.00
Proposed maximum cost/subsidy per unit..................................... ..$85,000.00
Proposed 2007-2008 maximum cost/subsidy per unit........................$85,000.00
Proposed 2007-2008 average SHIP cost per unit.............................. $35,000.00
Proposed Number of households assisted.... ....~; ......... ................ ..............12
STRATEGY - 0:
MULTIFAMILY HOUSING
Proposed average cost per unit..................................................... .$25,000.00
Proposed maximum cost/subsidy per. ...................... ...... ............. ...$1 00,000.00
Proposed 2007-2008 maximum cost/subsidy per unit........................$100,000.00
Proposed 2007-2008 average SHIP cost per unit...............................$25,000.00
Number of househotds assisted.... ..... ............. ............ .... ......... ...............20
STRATEGY - E:
SINGLE FAMILY BOND PROGRAM ASSISTANCE
Proposed average cost per unit.................................................... ..$5,000.00
Proposed maximum cost/subsidy per unit.......................................$50,000.00
Proposed 2007-2008 maximum cost/subsidy per unit........................$50,000.00
Proposed 2007-2008 average SHIP cost per unit...............................$5,000.00
Number of households assisted.. .......... ........ .................. ............... ...... ...16
Exhibit C
STRATEGY - F:
FORECLOSURE PREVENTION
Proposed average cost per unit.. .............. ...................... .............. ..$3,000.00
Proposed maximum cost/subsidy per unit.......................................$10,000.00
Proposed 2007-2008 maximum cost/subsidy per unit........................$10,000.00
Proposed 2007-2008 average SHIP cost per unit...............................$3,000.00
Number of households assisted.... ......... ...... ..... .......... ....... ........ .... ...... ...5
STRATEGY - G:
RENTAL DEPOSIT PROGRAM
Proposed average cost per unit....... ......... ................ ................. .... .$2,000.00
Proposed maximum cost/subsidy per unit.......................................$3,000.00
Proposed 2007-2008 maximum cost/subsidy per unit........................$3,000.00
Proposed 2007-2008 average SHIP cost per unit...............................$2,000.00
Number of households assisted......................... ... ... .... ...... ................ .....5
STRATEGY - H:
DISASTER MITIGATION PROGRAM - OWNER-OCCUPIED
Proposed average cost per unit.................................................... ..$2,000.00
Proposed maximum cost/subsidy per unit .......................................$10,000.00
Proposed 2007-2008 maximum cost/subsidy per unit....:...................$10,000.00
Proposed 2007-2008 average SHIP cost per unit...............................$2,000.00
Number of households assisted.... ....... ...... ............... ...... .................. ......5
STRATEGY - H:
RENTAL DEPOSIT PROGRAM - RENTAL
Proposed average cost per unit..................................................... .$2,000.00
Proposed maximum cost/subsidy per unit.......................................$3,000.00
Proposed 2007-2008 maximum cost/subsidy per unit........................$3,000.00
Proposed 2007-2008 average SHIP cost per unit...............................$2,000.00
Number of households assisted.. ...... .................. ..... ....... .................... ....10
Exhibit C
C I T Y 0 F C LEA R W ATE R, F LOR I D A
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
LOCAL HOUSING ASSISTANCE PLAN
STATE FISCAL YEARS 2006-2009
200S - 2009 AVERAGE/MAXIMUM AWARDS
STRATEGY -A:
DOWN PAYMENT & CLOSING COSTS ASSISTANCE
Proposed average cost per unit....... ......... .................... .... .......... ....$35,000.00
Proposed maximum cost/subsidy per unit...................... ...... ...... .......$85,000.00
Proposed 2008-2009 maximum cost/subsidy per unit......................... $85.000.00
Proposed 2008-2009 average SHIP cost per unit................................$35.000.00
Proposed Number of households assisted................... ............ ............ ......12
STRATGY - B:
REPLACEMENT HOUSING
Proposed average cost per unit............................. ...... ..... ......... .....$65,000.00
Proposed maximum cost/subsidy per ...........................................$125,000.00
Proposed 2008-2009 maximum cost/subsidy per unit........................$125.000.00
Proposed 2008-2009 average SHIP cost per unit...............................$65.000.00
Proposed Number of households assisted..................... ........................ ..2
STRATEGY - C:
OWNER OCCUPIED REHABILITATION
Proposed average cost per unit................ ...................... ........ ...... ..$35.000.00
Proposed maximum cost/subsidy per unit.......................................$S5.000.00
Proposed 2008-2009 maximum cost/subsidy per unit...................... ..$S5.000.00
Proposed 2008-2009 average SHIP cost per unit.............................. $35,000.00
Proposed Number of households assisted.............................................. ...12
STRATEGY - 0:
MULTIFAMILY HOUSING
Proposed average cost per unit..................................................... .$25.000.00
Proposed maximum cost/subsidy per............................................ .$1 00.000.00
Proposed 2008-2009 maximum cost/subsidy per unit........................$100,000.00
Proposed 2008-2009 average SHIP cost per unit...............................$25.000.00
Number of households assisted.... ................................................ ...... ....20
STRATEGY - E:
SINGLE FAMILY BOND PROGRAM ASSISTANCE
Proposed average cost per un it..................................................... .$5.000.00
Proposed maximum cost/subsidy per unit.......................................$50.000.00
Proposed 2008-2009 maximum cost/subsidy per unit........................$50,000.00
Proposed 2008-2009 average SHIP cost per unit............................. ..$5,000.00
Number of households assisted..... ............ .............. ...... .............. ..... ......16
Exhibit C
STRATEGY - F:
FORECLOSURE PREVENTION
Proposed average cost per unit.. ..... .................. .......... ................. ..$3,000.00
Proposed maximum cost/subsidy per unit............................ ......... ..$1 0,000.00
Proposed 2008-2009 maximum cost/subsidy per unit........................$10,000.00
Proposed 2008-2009 average SHIP cost per unit...............................$3,000.00
Number of households assisted...........................;............................... ...5
STRATEGY - G:
RENTAL DEPOSIT PROGRAM
Proposed average cost per unit................ ................... ........ ....... ....$2,000.00
Proposed maximum cost/subsidy per unit............ ....... ....... ........ .....$3,000.00
Proposed 2008-2009 maximum cost/subsidy per unit....................... .$3,000.00
Proposed 2008-2009 average SHIP cost per unit...............................$2,000.00
Number of households assisted........ ..... ......... .... ........... ...... .... ...... ..... ....5
STRATEGY - H:
DISASTER MITIGATION PROGRAM - OWNER-OCCUPIED
Proposed average cost per unit................. ................. ...... ............. .$2,000.00
Proposed maximum cost/subsidy per unit .......................................$10,000.00
.Proposed 2008-2009 maximum cost/subsidy per unit........................$10,000.00
Proposed 2008-2009 average SHIP cost per unit...............................$2,000.00
Number of households assisted...... ................ ...... .....; .... ................... .....5
STRATEGY - H:
RENTAL DEPOSIT PROGRAM - RENTAL
Proposed average cost per unit.......... ............... ............ .................$2,000.00
Proposed maximum cost/subsidy per unit.......................................$3,000.00
Proposed 2008-2009 maximum cost/subsidy per unit........................$3,000.00
Proposed 2008-2009 average SHIP cost per unit...............................$2,000.00
Number of households assisted........................................................... ...1 0
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:i:1-
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) Recipients of funds will be required to contractually commit to program guidelines.
(6) The Florida Housing Finance Corporation will be notifie<;l 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.
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 aspossible.
I
October 2003
Exhibit D
Page 2
Certification
(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 has not
been implemented.
Witness
:j~K ~~
~ Chief Elected Official or designee
Witness
Frank V. Hibbard - Mayor
Type Name and Title
Date
~. ~-:rr
William B. Horne, City Manager
OR
-:'c
City Attorney
October 2003
Exhibit F
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
INFORMATION SHEET
LOCAL GOVERNMENT: CITY OF CLEARWATER
CIllEF ELECTED OFFICIAL (Mayor, Chairman, etc.): Frank V. Hibbard
ADDRESS: 112 S. Osceola Avenue, Clearwater, FL 33765
SHIP ADMINISTRATOR: Howie Carroll
ADDRESS: 112 S. Osceola Avenue, Clearwater, FL 33765
TELEPHONE: (727 ) 562.4031
EMAIL ADDRESS:howie.carrol1@myclearwater.com
ADDITIONAL SIllP CONTACTS: Terry Malcolm-Smith
ADDRESS: 112 S. Osceola Avenue, Clearwater, FL 33765
FAX:(727) 562.4037
EMAlL ADDRESS: terry.malcolm-smith@myc1earwater.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:
MAIL DISBURSEMENT TO: Earl Uchiyama, Controller- Housing Division
ADDRESS: 112 S. Osceola Avenue, Clearwater. FL33765
OR:IF YOUR FUNDS ARE ELECTRONICALLY TRANSFERRED PLEASE COMPLETE THE A TT ACHED FORM:
NO CHANGE FROM PREVIOUS ELECTRONIC FORM SUBMITTED.
Provide any additional updates the Corporation should be aware of III 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