Resolution 087-1994
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RESOLUTION NO.
087
-1994
A RESOLUTION OF THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY,
FLORIDA, AMENDING THE SHIP 1992-1995 ;;
LOCAL HOUSING ASSISTANCE PLAN - ~,~ ::
AMENDMENT NUMBER TWO (2).
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WHEREAS, the Monroe County Board of County
Ordinance number 012-1993 - SHIP on March 24, 1993 and;
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WHEREAS, the Monroe County Board of County Commissioners approved the'
Monroe County 1992-1995 Local Housing Assistance Plan on April 14, 1993 and;
WHEREAS, the Florida Housing Finance Agency approved the Monroe County
1992-1995 Local Housing Assistance Plan on June 18, 1993 and;
WHEREAS, the Monroe County Board of County Commissioners approved the
Monroe County 1992-1995 Local Housing Assistance Plan Amendment Number One,
Resolution # 501-1993 on November 10, 1993 and;
WHEREAS, the Monroe County Housing Authority, Special Programs Office
received 182 SHIP Program down payment and closing costs first-time homeownership
assistance applications during the application period and;
WHEREAS, the Monroe County Housing Authority, Special Programs Office
received only two (2) SHIP Program rental assistance applications during the application
period and;
WHEREAS, the Monroe County Housing Authority, Special Programs Office has
requested updated median area purchase price, Monroe County SHIP-Program from the
Florida Housing Finance Agency on October 21, 1993 to expand housing opportunities for
down payment and closing costs assistance for applicants due to a shortage of homes
priced at less than the previously established median area purchase prices and;
WHEREAS, the Florida Housing Finance Agency Board approved an increase of
the median area purchase price for Monroe County for existing homes from $83,160 to
$118,302, and new homes from $95,400 to $135,714 on January 28, 1994 and;
WHEREAS, the Florida Housing Finance Agency has requested two changes to
Plan Amendment Number one (1) and;
WHEREAS, the demand for first-time homeownership down payment and closing
costs assistance exceeds the limited funds available for eligible and qualified residents and;
NOW, THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS that the County hereby approves, effective this date, the amended
1992-1993 SHIP Plan Budget, Housing Delivery Goals for SHIP funds to provide
additional funds for homeownership strategies and to address the Florida Housing Finance
Agency requested changes, as attached, to meet the affordable housing needs of the
citizens of Monroe County.
PASSED AND ADOPTED, by the Board of County Commissioners of Monroe County,
Florida, at a regular meeting of said Board held on the 23rd day of March
A.D., 1994.
ATTEST: DANNY L.
KOLHAGE, Mayor/Chairman
roved as to form 0 a~
and legal sufficiency: (<
BOARD OF COUNTY COMMISSIONERS
OF M OE COUNTY, FLORIDA
L~
Date:
Mayor London yes
Mayor Pro Tern Cheal yes
Commissioner Freeman ye s
Commissioner Harvey yes
Commissioner Reich yes
MONROE COUNTY
LOCAL HOUSING ASSISTANCE PLAN
SECOND AMENDMENT REVISIONS
PROGRAM ELIGIBILITY (THRESHOLD) REQUIREMENTS
. All recipients must be permanent residents of Monroe County. (1 yem")
. Eligibility is restricted to Rousehelds that derh<e at least 70~~ of their
household mcome from gainfu.l employment in Monroe CoUHty and/0r those
applicants meeting f-ederal disabilities criteria reqmrements.
. All recipients must be willing to execute a program affordability agreement.
. All home-ownership recipients must reside in their home as a primary
residence and qualify for a homestead exemption.
. All program eligible rental units must be rented to the very-low to moderate
mcome persons.
. All recipients of SHIP and/or HOME match funds must be willing to execute a
junior mortgage on their property containing affordability and assumption
prOViSIons.
. All recipients must fall within the income guidelines established pursuant to
SHIP as updated annually. Recipient must permit the verification of the gross
anticipated household income to determine qualification as defmed and
calculated in the Florida Housing Finance Agency SHIP Compliance
Guidelines.
. All homeownership recipients must provide in cash an amount not less than 3%
of the purchase price as a down payment.
. All homeownership recipients must secure a permanent first mortgage.
SELECTION CRITERIA
Recipient selection within the first-time home-ownership strategy, will be by
public random drawing. The homeownership emergency heme repair, new
construction and rehabilitation (owner-occupied) strategy~ and the two (2) rental
strategies will be on a first come/first service basis consistent with a completed
qualified application per each strategy as detailed in the SHIP Program Notice of
Funding Availability. Preference will be to qualified very-low, low and moderate
income applicants pursuant to the Plan strategy. A minimum of thirty percent
(30%) of the units addressed will be very-low income households. An additional
thirty percent (30%) of the units addressed will be low income households. A
priority will be permitted due to a documented emergency condition which
threatens life, safety, and is a result of an act of nature. A committee comprised of
the Mayor of Monroe County, the Mayor of the City of Key West, and the
Chairman of the Monroe County Land Authority shall determine if a preference is
to be given.
Eligible homeownership applicants will be issued a commitment by the Special
Programs Office for an amount up to $14,000 to assist in the acquisition and/or
construction of a home. This commitment will encumber SHIP funds. The
applicant shall have 120--eQ-days to select a home and apply for and obtain a first
mortgage. The applicaBt shalll1a.ye an adtlitieBal 60 days to receive approval for a
first mortgage. The applicant shall have an additional 60 days to close the
transaction if required. If at any time applicants are unable to meet the time
schedules, the commitment will become null and void.
The order of issuance of commitments shall be prioritized by drawing. Drawings
shall be by the Mayor of Monroe County or his designate at an announced public
location.. Notice of Funding Availability will not be re-advertised until all initial
eligible applicants have had an opportunity to participate.
Concurrent with the application process the Special Programs Office will solicit
local lending institutions, private lenders and mortgage bankers to participate in
providing rust mortgages and issue commitments (encumbrance) of SillP funds to
them for utilization in conjunction with qualified applicants.
MONROE COUNTY
LOCAL HOUSING ASSISTANCE PLAN
SECOND AMENDMENT REVISIONS
PROGRAM ELIGIBILITY (THRESHOLD) REQUIREMENTS
. All recipients must be permanent residents of Monroe County.
. All recipients must be willing to execute a program affordability agreement.
. All home-ownership recipients must reside in their home as a primary
residence and qualify for a homestead exemption.
. All program eligible rental units must be rented to the very-low to moderate
mcome persons.
. All recipients of SHIP and/or HOME match funds must be willing to execute a
junior mortgage on their property containing affordability and assumption
proVISIOns.
. All recipients must fall within the income guidelines established pursuant to
SHIP as updated annually. Recipient must permit the verification of the gross
anticipated household income to determine qualification as defined and
calculated in the Florida Housing Finance Agency SHIP Compliance
Guidelines.
. All homeownership recipients must provide in cash an amount not less than 3%
of the purchase price as a down payment.
. All homeownership recipients must secure a permanent first mortgage.
SELECTION CRITERIA
Recipient selection within the frrst-time home-ownership strategy, will be by
public random drawing. The homeownership emergency repair, new construction
and rehabilitation (owner-occupied) strategy's and the two (2) rental strategies will
be on a first come/frrst service basis consistent with a completed qualified
application per each strategy as detailed in the SHIP Program Notice of Funding
Availability. Preference will be to qualified very-low, low and moderate income
applicants pursuant to the Plan strategy. A minimum of thirty percent (300,/0) of
the units addressed will be very-low income households. An additional thirty
percent (300,/0) of the units addressed will be low income households. A priority
will be permitted due to a documented emergency condition which threatens life,
safety, and is a result of an act of nature. A committee comprised of the Mayor of
Monroe County, the Mayor of the City of Key West, and the Chairman of the
Monroe County Land Authority shall determine if a preference is to be given.
Eligible homeownership applicants will be issued a commitment by the Special
Programs Office for an amount up to $14,000 to assist in the acquisition and/or
construction of a home. This commitment will encumber SHIP funds. The
applicant shall have 120 days to select a home and apply for and obtain a first
mortgage. The applicant shall have an additional 60 days to close the transaction if
required. If at any time applicants are unable to meet the time schedules, the
commitment will become null and void.
The order of issuance of commitments shall be prioritized by drawing. Drawings
shall be by the Mayor of Monroe County or his designate at an announced public
location.. Notice of Funding Availability will not be re-advertised until all initial
eligible applicants have had an opportunity to participate.
Concurrent with the application process the Special Programs Office will solicit
local lending institutions, private lenders and mortgage bankers to participate in
providing first mortgages and issue commitments (encumbrance) of SHIP funds to
them for utilization in conjunction with qualified applicants.
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fLORIDA HOUSING FINANCE AGENCY
KEY WEST HOUSING AUTHORllY
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February 1, 1994
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CERTIFIED MAIL
RETURN RECEIPT REOUESTED
LIND" LOOMIS SHULl\'
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The Honorable Jack London, Chairman
Monroe County Board of Commissioners
Post Office Box 1980
Key West, Florida 33040
Re: Monroe County State Fiscal Year 1992-1995
Local Housing Assistance Plan, Amendment #1
Dear Chairman London:
The SHIP Review Committee has reviewed your request to amend
the Monroe County Local Housing Assistance Plan. The Committee has
requested that you provide additional information which is
identified in the attachment before approval is granted. Please
review the comments and resubmit the Plan ad~~essing each of the
comments within 30 days from the receipt of this letter.
If you should have any questions regarding the SHIP Program
or the comments, please contact Mrs. Beverly B. Cliett, at 904/488-
9285.
MAH/cj
Attachment
cc: Mr. Roger Braun
2574 SP.CATE DRIVE - SUITE 101 . T'ALlAHASSEE, FLORIDA 32301.5026 . (904) 488-4197 . FAX (904) 488-9809
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
COMMENTS ON 1992-95 LOCAL HOUSING ASSISTANCE PLAN
AMENDMENT #1
MONROE COUNTY
FEBRUARY 1, 1994
1. The Program Eligibility (Threshold) Requirements for the
Monroe County SHIP Program provides:
a. All recipients must be permanent residents of Monroe
for one year.
b.. Eligibility is restricted to households that derive at
least 70% of their household income from gainful
employment in Monroe County and/or those applicants
meeting federal disabilities criteria requirements.
Pursuant to Rule 9I-37.007(lS), F.A.C., you may require that
eligible households who receive assistance under the SHIP
Program agree to reside in Monroe County, but you may not
stipulate a time period. Requirement b. is considered
discriminatory against the handicapped, the aged, and those
residents of Monroe County who work in another county.
Please remove the one-year residency requirement, and the
employment criteria from the Plan.
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requirements. In the event both PrOQrams have restrictions on
the same lssue. the more restrictive reQulation shall take
precedence. It one Proqram is silent on an issue. the Proqram
with a reQulatlon on the issue shall aoolY.
(15) The Local Government county or Eligible Municipality
may require that recipients of assistance under the SHIP ProQram
program be residents of the ~ocal Governmental 1urisdiction which
hll county or Eligible Municipality \lihich has been approved for
reccipt of SHIP Funds fundo or rcsidento of thooe juriodictione
having interlocal agreements and havc been approved for receipt
of SHIP Funds. funda .'
(16) SHIP Funds funda may not be used as a pledge of the
debt service on bonds or as rent subsidies.
Specific Authority: ~ 420.9072(9), Florida Statutes
Law Implemented: ~ 420.9072. Florida Statutes
History:
New: November 26. 1992: Amended:
91-37.008
Local Housing Assistance Trust Fund
(1) Each Local Government county or Bligible Municipality
receiving a Local Housing Distribution shall establish and
maintain a local housing assistance trust fund. An Interlocal
Entity receiving a Local Housing Distribution shall establish a
local houoing aaaiotance truot fund with a qualified depository
as defined in Chapter 280. Florida Statutes. All moneys of a
Local Government county. Eligible Municipality or Interlocal
Entity received from its share of the Local Housing Distribution.
other moneys received or budgeted by the Local local Governmen~
34
CHAPTER 91 - 37, FAC, STATE HOOSD<<; INITIATIVES PARTNERSHIP PROGRAM
15l"Jf.tCrIVE JMIJARY 20, 1994
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