15-05RESOLUTION NO. 15 -05
A RESOLUTION OF THE CITY OF CLEARWATER,
FLORIDA, APPROVING THE LOCAL HOUSING
ASSISTANCE PLAN AS REQUIRED BY THE STATE
HOUSING INITIATIVES PARTNERSHIP PROGRAM ACT,
SUBSECTIONS 420.907 - 420.9079, FLORIDA STATUTES;
AND RULE CHAPTER 67 -37, FLORIDA ADMINISTRATIVE
CODE; AUTHORIZING AND DIRECTING THE MAYOR TO
EXECUTE ANY NECESSARY DOCUMENTS AND
CERTIFICATIONS NEEDED BY THE STATE,
AUTHORIZING THE SUBMISSION OF THE LOCAL
HOUSING ASSISTANCE PLAN FOR REVIEW AND
APPROVAL BY THE FLORIDA HOUSING FINANCE
CORPORATION; PROVIDING AN EFFECTIVE DATE.
WHEREAS, the State of Florida enacted the William 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.420.907-
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, the SHIP Act further requires local governments to establish the
maximum SHIP funds allowable for each strategy; and
WHEREAS, the SHIP act further requires local governments to establish an
average area purchase price for new and existing housing benefiting from awards made
pursuant to the Act, therefore, the methodology and purchase prices used are defined in
the attached Local Housing Assistance Plan; and
WHEREAS, as required by section 420.9075, Florida Statutes, it is found that
five percent (5 %) of the local housing distribution plus five percent (5 %) of program
income is insufficient to adequately pay the necessary costs of administering the local
housing assistance plan. The cost of administering the program may not exceed ten
percent (10 %) of the local housing distribution plus five percent (5 %) of program income
deposited in 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; and
Resolution No. 15 -05
WHEREAS, the Economic Development and Housing Department has prepared
a three -year Local Housing Assistance Plan incorporating the above - referenced
provisions and requirements for submission to the Florida Housing Finance Corporation;
and
WHEREAS, the City Council finds that it is in the best interest of the public for the
City of Clearwater to submit the Local Housing Assistance Plan for review and approval
so as to qualify for said documentary stamp tax funds.
NOW THEREFORE, BE IT RESOLVED BY THE CITY COUNCIL OF THE CITY
OF CLEARWATER, FLORIDA:
Section 1. The City Council of the City of Clearwater hereby approves the Local
Housing Assistance Plan for submission to the Florida Housing Finance Corporation as
required by ss. 420.907 - 420.9079, Florida Statutes, for state fiscal years 2015 -16,
2016 -17 and 2017 -18 (attached hereto and incorporated herein as Exhibit "A "), which,
among other things, establishes the maximum SHIP funds allowable for each local
housing assistance strategy, establishes an average area purchase price for new and
existing housing, and finds that five percent of the local housing distribution plus five
percent of the program income is insufficient to adequately pay the necessary costs of
administering the local housing assistance plan.
Section 2. The Mayor is hereby designated and authorized to execute any
documents and certifications required by the Florida Housing Finance Corporation as
related to the Local Housing Assistance Plan, and to do all things necessary and proper
to carry out the terms and conditions of said program.
Section 3. This resolution shall take effect immediately upon adoption.
PASSED AND ADOPTED this 1 6th day of April , 2015.
Approved as to form:
---C(e011,(VrAqk°5
George N. Cretekos
Mayor
Attest:
AtAlLevr
Laura Mahony or : gemarie C II
Assistant City Attorney City Clerk
2
i1ISHEo
Resolution No. 15 -05
SHIP LHAP Template 2015
Revised Date: 10/2014
SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
2015 -2016, 2016 -2017, and 2017 -2018
ECONOMIC DEVELOPMENT & HOUSING DEPARTMENT
APRIL 2015
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Revised Date: 10/2014
Table of Contents
Title Page #:
Section I.
General Program Description: 3
Section II.
LHAP Strategies:
A: New Construction 8
B: Acquisition of Existing Homes with Rehabilitation 11
C: Down Payment Assistance for Existing Homes without Rehabilitation 14
D: Owner - Occupied Rehabilitation 16
E: Multi- Family Housing 19
F: Disaster Mitigation Strategy 21
Section III.
LHAP Incentive Strategies:
A: Expedited Permitting 22
B: Ongoing Review Process 22
C: The allowance of flexibility densities for affordable housing 23
D: The reduction of parking setback requirements for affordable housing 23
E: The allowance of flexible lot configurations, including zero -lot -line configuration for 24
affordable
F: The preparation of a printed inventory of locally -owned public lands suitable for affordable 24
Housing
G: The support of development near transportation hubs, and major employment centers 25
and mixed -used development
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Revised Date: 10/2014
Section IV.
Exhibits:
Exhibit A: Administrative Budget for each fiscal year covered in the Plan 27
Exhibit B: Deadlines for Encumbrances and Expenditures 28
Exhibit C: Housing Delivery Goals Charts (HDGC) for each fiscal year covered in the Plan 31
Exhibit D: Certification Page 34
Exhibit E: Adopting Resolution 36
Exhibit F: Information Sheet 38
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I. General Program Description:
A. Name of the participating local government and Interlocal if Applicable:
CITY OF CLEARWATER
Interlocal: Yes No X
If "Yes ", name of participating local government(s) in the Interlocal Agreement;
A copy of the Interlocal Agreement must be attached as Exhibit H.
B. Purpose of the program:
Creation of the Plan is for the purpose of:
1. To meet the housing needs of the very low, low and moderate income households;
2. to expand production of and preserve affordable housing; and
3. to further the housing element of the local government comprehensive plan specific to
affordable housing
C. Fiscal years covered by the Plan: 2015 -2016, 2016 -2017 and 2017 -2018
D. Governance:
The SHIP Program is established in accordance with Section 420.907 -9079,
Florida Statutes and Chapter 67 -37, Florida Administrative Code.
Cities and Counties must be in compliance with these applicable statutes, rules and any
additional requirements as established through the Legislative process.
E. Local Housing Partnership:
The SHIP Program encourages building active partnerships between government,
lenders, builders and developers, real estate professionals, advocates for low -
income persons and community groups.
F. Leveraging:
The Plan is intended to increase the availability of affordable residential units by combining
local resources and cost saving measures into a local housing partnership and using public
and private funds to reduce the cost of housing. SHIP funds may be leveraged with or used
to supplement other Florida Housing Finance Corporation programs and to provide local
match to obtain federal housing grants or programs.
G. Public Input:
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.
H. Advertising and Outreach:
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SHIP LHAP Template 2015
Revised Date: 10/2014
SHIP funding availability shall be advertised in a newspaper of general circulation and
periodicals serving ethnic and diverse neighborhoods, at least 30 days before the beginning
of the application period. If no funding is available due to a waiting list, no notice of funding
availability is required.
Discrimination:
In accordance with the provisions of ss.760.20- 760.37, it is unlawful to discriminate on the
basis of race, color, religion, sex, national origin, age, handicap, or marital status in the
award application process for eligible housing.
J. Support Services and Counseling:
Support services are available from various sources. Available support services may
include but are not limited to: Homeownership Counseling (Pre and Post), Credit
Counseling, Tenant Counseling and Transportation.
K. 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:
X U.S. Treasury Department
Local FIFA 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 by the
Department of Housing and Urban Development and posted at www.floridahousing.org.
Affordable means that monthly rents or mortgage payments including taxes and insurance do
not exceed 30 percent of that amount which represents the percentage of the median annual
gross income for the households as indicated in Sections 420.9071, F.S. However, it 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. Welfare Transition Program:
Should an eligible sponsor be used, a qualification system and selection criteria for
applications for Awards to eligible sponsors shall be developed, which includes a description
that demonstrates how eligible sponsors that employ personnel from the Welfare Transition
Program will be given preference in the selection process.
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Revised Date: 10/2014
N. Monitoring and First Right of Refusal:
In the case of rental housing, the staff and any entity that has administrative authority for
implementing the local housing assistance plan assisting rental developments
shall annually monitor and determine tenant eligibility or, to the extent another governmental
entity provides the same monitoring and determination, a municipality, county or local
housing financing authority may rely on such monitoring and determination of tenant
eligibility. However, any loan 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 annually for no less than 15 years or the term of
assistance whichever is longer unless as specified above.
Eligible sponsors that offer rental housing for sale before 15 years or that have
remaining mortgages funded under this program must give a first right of refusal to
eligible nonprofit organizations for purchase at the current market value for
continued occupancy by eligible persons.
O. Administrative Budget:
A line -item budget of proposed Administrative Expenditures is attached as Exhibit A.
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.
Section 420.9075 Florida Statute and Chapter 67 -37, Florida Administrative Code,
states:
"A county or an eligible municipality may not exceed the 5 percent limitation on
administrative costs, unless its governing body finds, by resolution, that 5 percent of the local
housing distribution plus 5 percent of program income is insufficient to adequately pay the
necessary costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67 -37, Florida Administrative Code,
further states:
"The cost of administering the program may not exceed 10 percent of the local housing
distribution plus 5 percent of program income deposited into the trust fund, except that small
counties, as defined in s. 120.52(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 Clearwater City Council has adopted the above findings in the resolution attached as
Exhibit E.
P. Program Administration:
Administration of the local housing assistance plan will be wholly performed and maintained by
the CITY OF CLEARWATER
Or
A third party entity or consultant will be contracted for all of part of the administrative of the
program. The name of the entity is: . The
administrative duties they will provide are:
Q. Essential Service Personnel Definition (required): Persons whose household income do not
exceed 120% of AMI, as updated annually from the Department of Urban Development and
distributed annually by the Florida Housing Corporation and adjusted for family size, including:
teachers and educators, other school district and university employees, police and fire personnel;
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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 employees, the occupations in demand gaining the most new jobs according to the Agency
of Workforce Innovation (AWI); and personnel in other industries deemed essential by the City
of Clearwater based on the local economy.
R. Describe efforts to incorporate Green Building and Energy Saving products and processes
(required):
The City of Clearwater promotes the use of green housing construction and rehabilitation
techniques. The City created a Plan called "Green Print" to address this citywide.
Below are excerpts from the City's Comprehensive Plan:
C.1.10 Objective — Recognizing that sustainable 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:
C.1.10.1 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.
C.1.10.4 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.
Community 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 improving 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.
SHIP LHAP Template 2015
Revised Date: 10/2014
In addition to the City's comprehensive plan, the department applies green principles in all new
construction and rehabilitation projects. The City's specifications for new and existing homes
are 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 H. LHAP Strategies:
A.
a. Summary of the Strategy:
The City of Clearwater through eligible developers and sub - recipients may use SHIP
funds for the development of new housing units. The costs may include acquisition,
site improvement and building costs to include innovative design and green
principles. The City's specifications for new homes are tailored to meet green
standards.
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 eligible buyer.
The City of Clearwater through its housing programs and through its sub - recipients
may also provide funds to assist eligible very-low to moderate - income homebuyers
of the new housing units with down payment and closing costs, including, but not be
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. To
qualify for assistance, applicants must be able to obtain a first mortgage from a
licensed lending institution. This first mortgage cannot exceed a term of 30 -year
with a fixed -rate. The Buyer must contribute a minimum of two percent (2 %) of the
purchase price of the home or a combination of borrower's sweat equity and
contribution. This must be the Buyer's own funds and cannot be from a gift or from
costs paid by the Seller. All Buyers must have completed at least eight (8) hours of
homebuyer education through a HUD- approved housing counseling agency.
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b. Fiscal Years Covered:
2015 -2016, 2016 -2017 and 2017 -2018
c. Income Categories to be served:
This strategy will serve all eligible homebuyers with income 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:
See Exhibit C: Housing Delivery Goal Charts for maximum awards for FY 2015-
2016, 2016 -2017, 2017 -2018
e. Terms of the award: Interest Rate, Repayment (hard pay, forgiveness),
Recapture and Default.
Zero percent (0 %) second or third mortgages will be available to eligible
homebuyers of the new housing units for down payment and closing costs assistance
with the following stipulations:
• The assistance would be deferred for 30 years with full forgiveness at the
end of the deferred period, if no default occurs.
• Loans will be secured by a Mortgage and Note and recorded in the public
records of Pinellas County until satisfied.
• The loan becomes due and payable if one of the following occurs:
-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 condition of
refinancing, death of recipient, sale or transfer of title, foreclosure, tax deed
sale, property is no longer the client's primary residence and property is not
maintained to housing standards.
SHIP LHAP Template 2015
Revised Date: 10/2014
• Recaptured Funds: Money recouped from eligible sponsors when SHIP
funds are spent but no tangible housing is provided.
f. Recipient Selection Criteria:
Assistance is provided on a first -come, first - qualified, first- served basis while funds
remain available. All recipients will be income eligible and will be selected using
the housing pool underwriting guidelines, policies and procedures. Should funds not
be available at any time, a City created "Waiting List" will be utilized and eligible
clients will be assisted when funds are available.
g.
To qualify for assistance, an eligible participant must meet the following
requirements:
• The applicant is not required to be a First -Time Homebuyer to qualify for
assistance, but they cannot own a property at the time of closing. In addition,
Households that have been assisted with City funds within the past five (5) years
are ineligible to receive funding again through any of the Housing Division's
Programs, unless there is some form of "hardship" as defined below. Hardship
determination will be determined and approved on a case -by -case basis by the
Director of the Department. Examples of hardship: Divorce, Permanent layoff,
physical or mental disability, fire, flood or natural disaster, death of a family
member.
Sponsor Selection Criteria and duties, if applicable:
All program sponsors or sub - recipients will be selected using the City's
Consolidated Action Plan Application. Eligible sponsors or sub - recipients that
provide assistance under this program will 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 not- for -profit corporation must be organized and established under the
laws of the State of Florida.
• The not - for - profit or for -profit corporation must have financial
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SHIP LHAP Template 2015
Revised Date: 10/2014
accountability standards that permit the Economic Development & Housing
Department to verify organizational capacity for projects.
• The not - for - profit or for - profit corporation must have experience in
providing housing assistance and/or development appropriate to this
strategy.
h. Additional Information:
Other state, federal, county, private and homeowners contributions may be leveraged
with SHIP funds. Mobile homes are not eligible for assistance.
a. Summary of the Strategy:
The City of Clearwater through eligible developers and sub - recipients may use SHIP
funds to acquire, rehabilitate and resell single - family housing units. The costs may
include acquisition, rehabilitation (to include innovative design and green principles)
and other costs associated with the resale of the single - family unit.
The City may use SHIP funds as a match for the HOME program to loan funds to
eligible developers and sub - recipients for the acquisition and rehabilitation of
existing housing units. Assistance will be repaid when the unit is sold to an eligible
buyer.
Under this strategy, Community Land Trusts principles may be utilized. The
community land trusts become the stewards of land and maintain it permanently
beginning with a ninety -nine year, renewable ground lease. The homebuyers only
own their home and sign a long -term lease on the land their home sits on. This
ensures the affordability of the home because the homebuyer only obtains a
mortgage on the structure.
The City of Clearwater through its housing programs and through its sub - recipients
may use SHIP funds to provide down payment and closing costs assistance to
eligible very-low to moderate - income homebuyers of rehabilitated homes. To
qualify for assistance, applicants must be able to obtain a first mortgage from a
licensed lending institution. This first mortgage cannot exceed a term of 30 years
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SHIP LHAP Template 2015
Revised Date: 10/2014
with a fixed -rate. The Buyer must contribute a minimum of two percent (2 %) of the
purchase price of the home or a combination of borrower's sweat equity and
contribution. This must be the Buyer's own funds and cannot be from a gift or from
costs paid by the Seller. All Buyers must have completed at least eight (8) hours of
homebuyer education through a HUD- approved housing counseling agency.
b. Fiscal Years Covered:
2015 -2016, 2016 -2017 and 2017 -2018
c. Income Categories to be served:
This strategy will serve all eligible homebuyers with income 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:
See Exhibit C: Housing Delivery Goal Charts for maximum awards for FY 2015-
2016, 2016 -2017, 2017 -2018
e. Terms of the award: Interest Rate, Repayment (hard pay, forgiveness),
Recapture and Default.
Zero percent (0 %) second or third mortgages will be available to eligible
homebuyers for down payment and closing costs assistance with the following
stipulations:
• The assistance is deferred for five (5) years with monthly payments
commencing at the end of the deferred period and amortized over fifteen
(15) years.
• The City's loan term is not to exceed thirty (30) years
• Loans will be secured by a Mortgage and Note and recorded in the public
records of Pinellas County, Florida until satisfied
• The loan becomes due and payment if one of the following occurs:
-Upon sale or transfer of title
- Property is vacated and no longer the primary residence of the borrower
- Property is converted into a rental unit
- Any refinancing with cash out or debt consolidation
f. Recipient Selection Criteria:
Assistance is provided on a first -come, first- qualified, first - served basis while funds
remain available. All recipients will be income eligible and will be selected using
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g.
SHIP LHAP Template 2015
Revised Date: 10/2014
the housing pool underwriting guidelines, policies and procedures. Should funds not
be available at any time, a City created "Waiting List" will be utilized and eligible
clients will be assisted when funds are available..
To qualify for assistance, an eligible participant must meet the following
requirements:
• The applicant is not required to be a First -Time Homebuyer to qualify for
assistance, but they cannot own a property at the time of closing. In addition,
households that have been assisted with City funds within the past five (5) years
are ineligible to receive funding again through any of the Housing Division's
Programs, unless there is some form of "hardship" as defined below. Hardship
determination will be determined and approved on a case -by -case basis by the
Director of the Department. Examples of hardship: Divorce, Permanent layoff,
physical or mental disability, fire, flood or natural disaster, death of a family
member.
Sponsor Selection Criteria and duties, if applicable: All program sponsors or
sub - recipients will be selected using the City's Consolidated Action Plan
Application. Eligible sponsors or sub - recipients that provide assistance under this
program will 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 not - for - profit corporation must be organized and established under the
laws of the State of Florida
• The not - for -profit or for -profit corporation must have financial
accountability standards that permit the Economic Development & Housing
Department to verify organizational capacity for project
• The not - for -profit or for -profit corporation must have experience in
providing housing assistance and/or development appropriate to this
strategy.
h. Additional Information:
Other state, federal, county, private and homeowners contributions may be leveraged
with SHIP funds. Mobile homes are not eligible for assistance.
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Revised Date: 10/2014
a.
Summary of the Strategy:
The City of Clearwater through its housing programs and through its sub - recipients
will use SHIP funds to provide down payment and closing costs assistance to
eligible very-low to moderate - income homebuyers of existing homes. To qualify for
assistance, applicants must be able to obtain a first mortgage from a licensed lending
institution. This first mortgage cannot exceed a term of 30 years with a fixed -rate.
The Buyer must contribute a minimum of two percent (2 %) of the purchase price of
the home or a combination of borrower's sweat equity and contribution.
This must be the Buyer's own funds and cannot be from a gift or from costs paid by
the Seller. All Buyers must have completed at least eight (8) hours of homebuyer
education through a HUD- approved housing counseling agency.
b. Fiscal Years Covered:
2015 -2016, 2016 -2017 and 2017 -2018
c. Income Categories to be served:
This strategy will serve all eligible homebuyers with income 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:
See Exhibit C: Housing Delivery Goal Charts for maximum awards for FY 2015-
2016, 2016 -2017, 2017 -2018
e. Terms of the award: Interest Rate, Repayment (hard pay, forgiveness), Recapture
and Default.
Zero percent (0 %) second or third mortgages will be available to eligible
homebuyers for down payment and closing costs assistance with the following
stipulations:
• The assistance is deferred for five (5) years with monthly payments
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Revised Date: 10/2014
commencing at the end of the deferred period and amortized over fifteen
(15) years.
• The City's loan term is not to exceed thirty (30) years
• Loans will be secured by a Mortgage and Note and recorded in the public
records of Pinellas County, Florida until satisfied
• The loan becomes due and payment if one of the following occurs:
- Upon sale or transfer of title
- Property is vacated and no longer the primary residence of the borrower
- Property is converted into a rental unit
- Any refinancing with cash out or debt consolidation
f. Recipient Selection Criteria:
Assistance is provided on a first -come, first - qualified, first- served basis while funds
remain available. All recipients will be income eligible and will be selected using
the housing pool underwriting guidelines, policies and procedures. Should funds not
be available at any time, a City created "Waiting List" will be utilized and eligible
clients will be assisted when funds are available.
To qualify for assistance, an eligible participant must meet the following
requirements:
• The applicant is not required to be a First -Time Homebuyer to qualify for
assistance, but they cannot own a property at the time of closing. In addition,
households that have been assisted with City funds within the past five (5) years
are ineligible to receive funding again through any of the Housing Division's
Programs, unless there is some form of "hardship" as defined below. Hardship
determination will be determined and approved on a case -by -case basis by the
Director of the Department. Examples of hardship: Divorce, Permanent layoff,
physical or mental disability, fire, flood or natural disaster, death of a family
member.
Sponsor Selection Criteria and duties, if applicable:
All program sponsors or sub - recipients will be selected using the City's
Consolidated Action Plan Application. Eligible sponsors or sub - recipients that
provide assistance under this program will 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
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Revised Date: 10/2014
the Internal Revenue Service (IRS) under section 501 c (3) of the Internal
Revenue Code
• The not - for - profit corporation must be organized and established under the
laws of the State of Florida
• The not - for -profit or for -profit corporation must have financial
accountability standards that permit the Economic Development & Housing
Department to verify organizational capacity for project
• The not - for - profit or for -profit corporation must have experience in
providing housing assistance and/or development appropriate to this
strategy.
h. Additional Information:
All properties being purchased must meet the HUD livability standards. An inspection is
required to verify that the property meets applicable safety/code requirements. If repairs are
required to bring a property up to HUD livability standards and the cost for the repairs
exceed $1,000.00, the property will coded as down payment and closing costs with
rehabilitation. If the seller can provide documentation to show that property had repairs over
$1,000.00 completed within the past twelve (12) months the property will also be coded as
down payment and closing cost assistance with rehabilitation.
Mobile homes are not eligible for assistance.
D.
a. Summary of the Strategy:
The City of Clearwater will provide funds for the rehabilitation of owner-
occupied single - family residences located within the city limits of Clearwater.
The City will award funds for the rehabilitation of owner- occupied, income-
eligible households on a first -come, first- eligible, first - served preference. Funds
for assistance may be used by the homeowner for housing rehabilitation such as,
but not limited to, the following:
• Correct housing code deficiencies
• Adapt the residence to meet accessibility needs of a disabled family
member
16
SHIP LHAP Template 2015
Revised Date: 10/2014
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
• Roof leaks causing electrical hazards, ceiling collapse or structural
damage
• Inoperable exterior doors and/or windows, preventing emergency
egress
• Falling ceiling
• Lead -based paint
• ADA modifications of an immediate nature
Funding will also be made available to modify special needs or elderly
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 things as:
• Wheel chair ramps
• Widening of doorways
• Lowering of cabinets
• Installation of grab -bars
• Visual guiding systems for the hearing impaired
b. Fiscal Years Covered:
2015 -2016, 2016 -2017 and 2017 -2018
c. Income Categories to be served:
The strategy will serve all eligible recipients with income 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:
Maximum award is noted on the Housing Delivery Goal Charts.
e. Terms of the award: Interest Rate, Repayment (hard pay, forgiveness),
Recapture and Default.
17
SHIP LHAP Template 2015
Revised Date: 10/2014
Zero percent (0 %) 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 thirty (30 %) of
the Area Median Income (AMI), the borrowers will be evaluated for their ability
to repay the assistance. If a borrower's income is over thirty (30 %) of AMI, the
borrower will be evaluated to ensure that the housing ratio does not exceed
thirty (30 %) of the household income. For borrowers repaying the rehabilitation
loan, the payments will be deferred for the length of the construction contract
period, not to exceed one hundred and twenty (120) days and amortized over a
twenty-year period at zero (0 %) interest. Loans will be secured by a Mortgage
and Note and recorded in the public records of Pinellas County until satisfied.
As stipulated in the City's loan documents:
• The loan becomes due and payable if one of the following occurs:
- 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
f. Recipient Selection Criteria:
Assistance is provided on a first -come, first - qualified, first- served basis while funds
remain available. All recipients will be income eligible and will be selected using
the housing pool underwriting guidelines, policies and procedures. Should funds not
be available at any time, a City created "Waiting List" will be utilized and eligible
clients will be assisted when funds are available.
g. Sponsor Selection Criteria and duties, if applicable: N/A
h. Additional Information:
The City will incorporate energy - efficient improvements to reduce energy costs and
hurricane standards will be used when replacing windows and doors based on
funding availability. Specific improvements include, but are not limited to:
• Installation of energy - efficient doors and windows
• Replacement of heating and /or cooling systems with high energy - efficiency
units
• Installing R30 insulation
• Energy star appliances and water heater
18
SHIP LHAP Template 2015
Revised Date: 10/2014
• Low consumption toilets and faucets
• Bracing and strapping
Mobile homes are not eligible for assistance.
a.
Summary of the Strategy:
Funds may be provided as loans to support the acquisition, rehabilitation and or 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 construct and preserve multi - family housing.
b. Fiscal Years Covered:
2015 -2016, 2016 -2017 and 2017 -2018
c. Income Categories to be served:
This strategy will serve all eligible recipients with income 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:
See Exhibit C: Housing Delivery Goal Charts for maximum awards for FY 2015-
2016, 2016 -2017, 2017 -2018
e. Terms of the award: Interest Rate, Repayment (hard pay, forgiveness),
Recapture and Default.
Recapture will be in compliance with the SHIP Program requirements to ensure
affordability. When HOME funds are used with SHIP funds, the most restrictive
rules 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 from project to project, depending on the economics of the
development.
Loans for eligible rental housing constructed, rehabilitated or otherwise assisted
under this strategy must be reserved for eligible persons for at least the term of the
assistance. A restrictive covenant will be recorded to ensure that units remain
19
SHIP LHAP Template 2015
Revised Date: 10/2014
affordable for the prescribed period of time. The City, eligible sponsor or appointed
designee, shall annually monitor and determine tenant eligibility throughout the
compliance. For those developments that Florida Housing Finance provides the
same monitoring and determination, the City may rely on such monitoring and
determination of tenant eligible.
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 first refusal to the City or eligible not - for -profit organizations for purchase at the
current market value for the continued occupancy of eligible persons.
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:
The SHIP- assisted units in a rental housing project will be occupied only by
households that are verified as very-low to moderate - income families. Maximum
monthly rent limits will be those established annually by HUD.
g. Sponsor Selection Criteria and duties, if applicable: Eligible sponsors will be
selected using the City's Consolidated Action Plan Application. Eligible persons,
sponsors or sub - recipients that provide assistance under this program will 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 not - for -profit corporation must be organized and established under the
laws of the State of Florida
• The not - for -profit or for -profit corporation must have financial
accountability standards that permit the Economic Development & Housing
Department to verify organizational capacity for project
• The not - for -profit corporation must have experience in development
appropriate to this strategy
h. Additional Information:
20
SHIP LHAP Template 2015
Revised Date: 10/2014
a. Summary of the Strategy:
In the case of natural or man -made disasters, priorities will need to be changed to
meet emergency conditions. This strategy will only be used if a disaster, or a
declaration by the State of Florida and/or federal government of a disaster. SHIP
funds will 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 covered under
homeowners' insurance policies.
b. Fiscal Years Covered:
2015 -2016, 2016 -2017 and 2017 -2018
c. Income Categories to be served:
This strategy will serve all eligible recipients with income 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:
See Exhibit C: Housing Delivery Goal Charts for maximum awards for FY 2015-
2016, 2016 -2017, 2017 -2018
e. Terms of the award: Interest Rate, Repayment (hard pay, forgiveness),
Recapture and Default.
Assistance provided under this strategy will be in the form of a deferred payment or
zero percent (0 %) loan. Recipients must also abide by the City's loan documents,
which dictate conditions that constitute repayment.
f. Recipient Selection Criteria:
Applicants must own and occupy the property as principal residence. The residence
must have been damaged in a declared natural or man -made disaster. Applicants
must be income - eligible, and will be served on a first -come, first eligible, first-
21
SHIP LHAP Template 2015
Revised Date: 10/2014
served basis, pending funding availability. The property must be located within the
City limits of Clearwater. Applicants must be current on mortgage secured by the
property, property taxes and homeowners insurance.
g. Sponsor Selection Criteria and duties, if applicable: Eligible sponsors will be
selected using the City's Consolidated Action Plan Application or any method(s)
that the City may develop to expedite the Selection of Eligible Sponsor during a
disaster.
h. Additional Information:
This strategy will be implemented only in the event of a natural or man -made
disaster declaration using any SHIP funds that have not been encumbered.
III. LHAP Incentive Strategies
In addition to the required Incentive Strategy A and Strategy B, include all adopted incentives
with the policies and procedures used for implementation as provided in Section 420.9076, F.S.:
A. Name of the Strategy: Expedited Permitting
Permits as defined in s. 163.3177 (6) (f) (3) for affordable housing
projects are expedited to a greater degree than other projects.
The Planning and Development Department expedites the review 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.
Provide a description of the procedures used to implement this strategy:
Expedited Permitting. For Building Permit Applications, the City has a
"Request for Expedited Processing for Affordable Housing Activity Form" 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 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.
The City has a process in place by which it considers, before adoption, policies,
procedures, ordinances, regulations, or plan provisions that increase the cost of
housing.
22
SHIP LHAP Template 2015
Revised Date: 10/2014
Provide a description of the procedures used to implement this strategy:
The Senior Executive Team of the City of Clearwater meets every two weeks to
discuss and review upcoming agenda items on the City Council's meeting schedule.
As part of this meeting, the City Clerk reviews 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 the Economic Development and Housing Department
and the affected Department will be included as part of the agenda summary to the
City Council on 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.
Provide a description of the procedures used to implement this strategy.
"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 shall 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 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.
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.
Provide a description of the procedures used to implement this strategy
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 provided the
project design does not detract from the established or emerging character of
immediate vicinity."
"Policy C.1.9.3 — Allow flexibility with regard to off - street parking for projects
containing affordable housing units located within 1,000 feet of a transit stop."
23
SHIP LHAP Template 2015
Revised Date: 10/2014
The City currently allows flexibility in parking and setback requirements for
affordable housing though the City's Community Development Code, which
establishes flexibility criteria for specific uses requiring additional development
review.
E. Name of the Strategy: The allowance of flexible lot configurations, including zero -lot-
line configuration for affordable housing
The City currently allows for site plan flexibility through the development review
process, as supported by the City's Community Development Code and article 2,
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:
Provide a description of the procedures use to implement is strategy
The City currently allows for site plan flexibility through the development review
process, as supported by the City's Community Development Code and Article 2.
Zoning Districts therein, which establishes flexibility criteria for specific uses. 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.
The allowance of flexible site plan configurations, including zero -lot line
configurations for affordable housing, must be sensitive to the character and context
of existing neighborhoods. To this end, the City's incentives for affordable housing
include compatibility criteria in conjunction with the density bonus as follows:
Article 3, Division 9, Section 3- 920.A.3.c.i. Compatibility Criteria -
b. Proportionality and scale of the proposed development shall be consistent
with the community character of the immediate vicinity of the parcel
proposed for development.
c. The overall aesthetics of the proposed development shall be compatible
with or an improvement to the community character as determined by the
community development coordinator.
F. Name of the Strategy: The preparation of a printed inventory of locally -owned
public lands suitable for affordable housing.
The City maintains an inventory of locally -owned public lands suitable
for affordable housing.
Provide a description of the procedures use to implement is strategy:
24
SHIP LHAP Template 2015
Revised Date: 10/2014
The City of Clearwater on February 21, 2008 adopted Resolution 08 -01,
which established the affordable housing inventory list per statutory
requirements.
To facilitate affordable housing projects, the City maintains an inventory
of publicly -owned land suitable for affordable housing titled, "Affordable
Housing Inventory List ", which is published on the City's website. The
last triennial update was done in 2013, by City Resolution #13 -10 (June
6, 2013).
Additionally, the City's Economic Development & Housing Department
has a procedure in place to make publicly -owned land available to
prospective developers and non - profit agencies to construct affordable
housing.
G. Name of Strategy: The support of development near transportation hubs, and
major employment centers and mixed -used developments.
The City promotes areas suitable for affordable housing through the Future Land
Use Element (FLUE) of the Comprehensive Plan. The FLUE contains a number
of policies related to activity centers and transit hubs as part of the City's overall
design structure.
Provide a description of the procedures use to implement is strategy:
Policy A.2.2.2 — Residential land uses shall be sited on well - drained soils, in
proximity to parks, schools, mass transit and other neighborhood - serving land
uses.
Policy A.5.4.4 —The creation of affordable housing and mixed -use development
should be supported, and lot consolidation and streetscape improvements should
be encouraged. [Activity Center]
Policy A.5.4.7 — South Fort Harrison Avenue from A Street to E Street.
Amendments to the Future Land Use Plan and Zoning Atlas may be considered
to promote affordable housing, mixed -use development, and to support the
emerging character of the area and Morton Plant Hospital. [Activity Center]
Policy A.6.8.7 — Create mixed -use, high density, livable communities through
design, layout and use of walkability techniques within existing and proposed
transit corridors, including proposed TBARTA lines and stations.
The Housing Element of the Comprehensive Plan also supports the location of
assisted housing near major activity centers:
Policy C.1.4.2 — Assisted housing should be located in close proximity to
25
SHIP LHAP Template 2015
Revised Date: 10/2014
employment centers, mass transit services, parks, and commercial centers.
Additionally, both the City's Comprehensive Plan and Community Development
Code allow flexibility in parking for affordable housing projects if located near a
transit stop (see Housing Element Policy C.1.9.2 and Policy C.1.9.3 as well as
Community Development Code Article 3, Division 9, Section 3- 920.B. for the
City's "affordable housing parking incentive ").
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan.
B. Timeline for Estimated Encumbrance and Expenditure
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year
Covered in the plan.
D. Signed Certification.
E. Signed, dated, witnessed or attested adopting resolution.
F. Program Information Sheet.
G. Ordinance: (If changed from the original creating ordinance).
H. Interlocal Agreement:
A copy of the Interlocal Agreement if applicable.
26
ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR
(Local Government name)
LHAP 2015
Exhibit A
67- 37.005(1), F.A.C.
Effective Date: 10/2014
CITY OF CLEARWATER
Exhibit A
Fiscal Year: 2015 -2016
Estimated Allcoation for Calculating: $
628,505.00
Salaries and Benefits $
62,850.00
Office Supplies and Equipment $
-
Travel Perdiem Workshops, etc $
-
Advertising $
-
Other $
Total $
62,850.00
Fiscal Year: 2016 -2017
Estimated Allcoation for Calculating: $
628,505.00
Salaries and Benefits $
62,850.00
Office Supplies and Equipment $
-
Travel Perdiem Workshops, etc $
-
Advertising $
-
Other $
Total $
62,850.00
Fiscal Year 2017 -2018
Estimated Allcoation for Calculating: $
628,505.00
Salaries and Benefits $
62,850.00
Office Supplies and Equipment $
-
Travel Perdiem Workshops, etc $
-
Advertising $
-
Other $
Total $
62,850.00
Based on a distribution of
Program Income
$499,545.00
$128,960.00
EXHIBIT B
TIMETABLE FOR STATE FISCAL YEAR 2015 -2016
Name of Local Government: CITY OF CLEARWATER
Mark each box below that corresponds with each actvity for that month
Advertise Availability of Funds
!Application Period(On- Going)
Annual Re oat
Mid -Year Review /Adjustments
End -Year Review /Adjustments
Encumbrance Deadline
Expenditure Deadline
Final Program Review
X
X
X
X
X
X
X X
X
X
X
X
X
X
X
X
•
X
X
X
X
X
X
X
X X
X
X
•
EXHIBIT B
TIMETABLE FOR STATE FISCAL YEAR 2016 -2017
Name of Local Government: CITY OF CLEARWATER
Mark each box below that corresponds with each actvity for that month
;Advertise Availability of Funds
Application Period(On- Going)
Annual Report
Mid -Year Review /Adjustments
,End-Year Review /Adjustments
Encumbrance Deadline
Expenditure Deadline
Final Program Review
Advertise Availability of Funds
'Application Period(On- Going)
Annual Report
IMid -Year Review /Adjustments
:End -Year Review /Adjustments
Encumbrance Deadline
TIMETABLE FOR STATE FISCAL YEAR 2017 -2018
Name of Local Government: CITY OF CLEARWATER
Mark each box below that corresponds with each actvity for that month
X
X
X
X
X
X
X
X
X
X
X
X
X
X
•
X
X
X
X
X
X
X
X
•
X
X
Expenditure Deadline
Final Program Review
•
FLORIDA HOUSING FINANCE CORPORATION
Please check
n nnl:wnMln My
HOUSING DELIVERY GOALS CHART
New Plan:
x
2015 -2016
Amendment:
Fiscal Yr. Closeout:
Name of Local Government: CITY OF CLEARWATER
Allocation:
$499,545.00
A
B
C
D
E
F
Strategy #
HOME OWNERSHIP
VLI
Max. SHIP
LI
Max. SHIP
MI
Max. SHIP
New Construction
Rehab /Repair
Without
Construction
Total
Total
Total
From Plan
Text
Code
STRATEGIES (strategy title
must be same as the title used Units
in plan text.
Award
Units
Award
Units
Award
SHIP Dollars
SHIP Dollars
SHIP Dollars
SHIP Dollars
Percentage
Units
10
New Construction 0
$46,000
1
$46,000
0
$46,000
$46,000.00
$46,000.00
9.21%
1 ''
1
Acquisition of Existing Homes w 3
$20,000
2
$20,000
0
$20,000
$100,000.00
$100,000.00
20.02%
5
2
DPCCA for Existing Homes/withc 2
$18,000
4
$18,000
0
$18,000
$54,000.00
$54,000.00
$108,000.00
21,62%
6
3
Owner - Occupied Rehabilitation 4
$30,000
4
$30,000
1
$30,000
$270,000.00
$270,000.00
54.05%
9
5
Disaster Mitigation 0
$5,000
0
$5,000
0
$5,000
$0.00
0.00%
0
$0.00
0.00%
0
$0.00
0.00%
0
$0.00
0.00%
0
Subtotal 1 (Home Ownership) 9
11
1
$46,000.00
$424,000.00
$54,000.00
$524,000.00
104.90%
21
RENTAL VLI
Max. SHIP
LI
Max. SHIP
MI
Max. SHIP
New Construction
Rehab /Repair
Without
Total
Total
Total
STRATEGIES Units
Award
Units
Award
Units
Award
SHIP Dollars
SHIP Dollars
SHIP Dollars
SHIP Dollars
Percentage
Units
14
Multi - Family 1
$15,000
1
$15,000
0
15000
$15,000.00
$26,655.00
$41,655.00
8.34%
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 Ownershij 1
1
0
$15,000.00
$26,655.00
$0.00
$41,655.00
8.34%
2 '
Administration Fees
$49,954.00
10.00%
Admin. From Program Income
$12,896.00
2.58%
Home Ownership Counseling
0.00%
GRAND TOTAL
10
12
1
$61,000.00
$450,655.00
$54,000.00
$628,505.00
125.82%
23
Add Subtotals 1 & 2, plus all Add
Percentage Construction /Rel Calcula
102%
Maximum Allowable
Purchase Price:
New
$150,000
Existing
$138,000
Allocation Breakdown Amount
%
Projected Program Income:
$128,960.00
Max Amount Program Income For Admi
$6,448.00
Very-Low Income
$231,000.00
46.2%
Projected Recaptured Funds:
Low Income
$293,000.00
58.7%
Distribution:
$499,545.00
Moderate Income
$30,000.00
6.0%
Total Available Funds:
$628,505.00
TOTAL
110.9%
FLORIDA HOUSING FINANCE CORPORATION
Please check applicable box
HOUSING DELIVERY GOALS CHART
New Plan:
X
2016 -2017
Amendment:
I
Fiscal Yr. Closeout:
Name of Local Government:
CITY OF CLEARWATER
Estimated Funds:
$499,545.00
A
B
C
D
E
F
HOME OWNERSHIP
VLI
Max. SHIP
LI
Max. SHIP
MI
Max. SHIP
New Construction
Rehab /Repair
Without
Total
Total
Total
Code
STRATEGIES (strategy title
must be same as the title used
in plan text.
Units
Award
Units
Award
Units
Award
SHIP Dollars
SHIP Dollars
SHIP Dollars
SHIP Dollars
Percentage
Units
10
New Construction
0
$46,000
1
$46,000
0
$46,000
$46,000.00
$46,000.00
9.21%
1
1
Acquisition of Existing Homes w
3
$20,000
2
$20,000
0
$20,000
$100,000.00
$100,000.00
20.02%
5
2
DPCCA for Existing Homes /with
2
$18,000
4
$18,000
0
$18,000
$54,000.00
$54,000.00
$108,000.00
21.62%
6
3
Owner - Occupied Rehabilitation
4
$30,000
4
$30,000
1
$30,000
$270,000.00
$270,000.00
54.05%
9 f`f'
5
Disaster Mitigation
0
$5,000
0
$5,000
0
$5,000
$0.00
0.00%
0
$0.00
0.00%
0
$0.00
0.00%
0
$0.00
0.00%
0
Subtotal 1 (Home Ownership)
9
11
1
$46,000.00
$424,000.00
$54,000.00
$524,000.00
104.90%
21
RENTAL
VLI
Max. SHIP
LI
Max. SHIP
MI
Max. SHIP
New Construction
Rehab /Repair
Without
Total
Total
Total
STRATEGIES
Units
Award
Units
Award
Units
Award
SHIP Dollars
SHIP Dollars
SHIP Dollars
SHIP Dollars
Percentage
Units
14
Multi - Family
1
$15,000
1
$15,000
0
15000
$15,000.00
$26,655.00
$41,655.00
8.34%
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 Ownershi
1
1
0
$15,000.00
$26,655.00
$0.00
$41,655.00
8.34%
2
Administration Fees
$49,954.00
10.00%
Admin. From Program Income
$12,896.00
2.58%
Home Ownership Counseling
0.00%
GRAND TOTAL
Add Subtotals 1 & 2, plus all Ad
10
12
1
$61,000.00
$450,655.00
$54,000.00
$628,505.00
125.82%
23
Percentage Construction /Re
Calculate Constr. /Rehab Percent. by adding Grand Total Columns A &B, then divide by Annual Allocation Amt.
102%
Maximum Allowable
Purchase Price:
New
$150,000
Existing
$138,000
Allocation Breakdown
Amount
%
Projected Program Income:
$128,960.00
Max Amount Program Income For Admir
$12,896.00
Very-Low Income
$231,000.00
46.2%
Projected Recaptured Funds:
Low Income
$293,000.00
58.7%
Distribution:
$499,545.00
Moderate Income
$30,000.00
6.0%
Total Available Funds:
$628,505.00
-
TOTAL
110.9%
FLORIDA HOUSING FINANCE CORPORATION
Please check applicable
New Plan:
box
HOUSING DELIVERY GOALS CHART
X
2017 -2018
Amendment:
1
J
Estimated Funds:
$499,545.00
Fiscal Yr. Closeout:
Name of Local Government:
ICITY OF
CLEARWATER
A
B
C
D
E
F
HOME OWNERSHIP
VLI
Max. SHIP
LI
Max. SHIP
MI
Max. SHIP
New Construction
Rehab /Repair
Without
Total
Total
Total
Code
STRATEGIES (strategy title must
be same as the title used in plan
Units
Award
Units
Award
Units
Award
SHIP Dollars
SHIP Dollars
SHIP Dollars
SHIP Dollars
Percentage
Units
10
New Construction
0
$46,000
1
$46,000
0
$46,000
$46,000.00
$46,000.00
9.21%
1
1
Acquistion of Existing Homes w/R
3
$20,000
2
$20,000
0
$20,000
$100,000.00
$100,000.00
20.02%
5
2
DPCCA for Existing Homes /withou
2
$18,000
4
$18,000
0
$18,000
$54,000.00
$54,000.00
$108,000.00
21.62%
6
3
Owner- Occupied Rehabilitation
4
$30,000
4
$30,000
1
$30,000
$270,000.00
$270,000.00
54.05%
9
5
Disaster Mitigation
0
$5,000
0
$5,000
0
$5,000
$0.00
0.00%
0 !.
$0.00
0.00%
0
$0.00
0.00%
0
$0.00
0.00%
0
Subtotal 1 (Home Ownership)
9
11
1
$46,000.00
$424,000.00
$54,000.00
$524,000.00
104.90%
21
RENTAL
VLI
Max. SHIP
LI
Max. SHIP
MI
Max. SHIP
New Construction
Rehab /Repair
Without
Total
Total
Total
STRATEGIES
Units
Award
Units
Award
Units
Award
SHIP Dollars
SHIP Dollars
SHIP Dollars
SHIP Dollars
Percentage
Units
14
Multi - Family
1
$15,000
1
$15,000
0
15000
$15,000.00
$26,655.00
$41,655.00
8.34%
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
$15,000.00
$26,655.00
$0.00
$41,655.00
8.34%
2 ".
Administration Fees
$49,954.00
10.00%
Admin. From Program Income
$12,896.00
2.58%
Home Ownership Counseling
0.00%
GRAND TOTAL
Add Subtotals 1 & 2, plus all Adm
10
12
1
$61,000.00
$450,655.00
$54,000.00
$628,505.00
125.82%
23
Percentage Construction /Rehr
Calculate Const . /Rehab Percent by adding Grand Total Columns A &B, then divide by Annual Allocation Amt.
102%
Maximum Allowable
Purchase Price:
New
$150,000
Existing
$138,000
Allocation Breakdown
Amount
%
Projected Program Income:
$128,960.00
Max Amount Program Income For Admir
$12,896.00
Very-Low Income
$231,000.00
46.2%
Projected Recaptured Funds:
Low Income
$293,000.00
58.7%
Distribution:
$499,545.00
Moderate Income
$30,000.00
6.0%
Total Available Funds:
$628 505.00
TOTAL
110.9%
2015 Exhibit D
67- 37.005(1), F.A.C.
Effective Date: 10/14
CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
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 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.
1
2015 Exhibit D
67-37,0050), FAC,
Effective Date: 10114
13) An interlocal entity shall have its local housing assistance trust fund separately audited
fur vituh 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 Sf 11P and the Low Income lousing'Fax
Credit (LIHTC) Program shall comply with the income, affordability and other Ul ITC
requirements, simitarly, any units receiving assistance frorn 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 person,-,.
(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
(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. ( ounty will check"has")
eJ
.. ..........
il ess Chief Elected Official or designee
4�to's
............
Witness V GEORGE N. CRETEKOS, MAYOR
Date
OR
..........
(Seal)
2
NED
2015 Exhibit F
67- 37.005(1), F.A.C.
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
PROGRAM INFORMATION SHEET
The following information must be furnished to the Corporation before any funds can be
disbursed.
Local Government
CITY OF CLEARWATER
Chief Elected Official
George N. Cretekos
Address
112 S. Osceola Avenue, Clearwater, Florida 33756
SHIP Administrator
Ms. Terry Malcolm -Smith
Address
112 S. Osceola Avenue, Clearwater, Florida 33756
Telephone
727 -562 -4036
EMAIL
terry.malcolm- smith @myclearwater.com
Alternate SHIP Contact
Michael Holmes
Telephone
727 -562 -4032
EMAIL
Michael.holmes @myclearwater. corn
Local Government Employer Federal ID #
59- 6000289
Other Information
Geraldine Campos Lopez- Director
Economic Development and Housing Department
Please attach this form as Exhibit F and submit along with your completed LHAP.