HomeMy WebLinkAboutCity of Tamarac Resolution R-2022-042 Approving LHAPTemp. Reso. No. 13761
March 15, 2022
• Page 1 of 6
CITY OF TAMARAC, FLORIDA
RESOLUTION NO. R-2022-�-�-
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF
TAMARAC, FLORIDA APPROVING THE LOCAL HOUSING
ASSISTANCE PLAN (LHAP), ATTACHED HERETO AS EXHIBIT "'I",
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 (FHFC);
AUTHORIZING THE APPROPRIATE CITY OFFICIALS TO ACCEPT
THE STATE OF FLORIDA'S STATE HOUSING INITIATIVES
• PARTNERSHIP (SHIP) PROGRAM BUDGET BY ACCEPTING THE
FISCAL YEAR 2022, 2023, AND 2024 ALLOCATIONS OF THE
PROGRAM FUNDS TO BE UTILIZED ACCORDING TO THE CITY'S
LOCAL HOUSING ASSISTANCE PLAN AND HOUSING DELIVERY
GOALS CHART; THAT THE APPROPRIATE CITY OFFICIALS ARE
HEREBY AUTHORIZED TO APPROPRIATE SAID FUNDS
INCLUDING ANY AND ALL SUBSEQUENT BUDGETARY
TRANSFERS TO BE IN ACCORDANCE WITH PROPER
ACCOUNTING STANDARDS; PROVIDING FOR CONFLICT;
PROVIDING FOR SEVERABILITY; AND PROVIDING AN
EFFECTIVE DATE.
WHEREAS, the State of Florida enacted the William E. Sadowski Affordable
Housing Act, Chapter 92-317 of Florida Sessions Laws, allocating a portion of
documentary stamp taxes on deeds to local governments for the development and
maintenance of affordable housing; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, ss. 420.907-
0 420.9079, Florida Statutes (1992), and Rule Chapter 67-37, Florida Administrative Code,
Temp. Reso. No. 13761
March 15, 2022
Page 2 of 6 •
requires local governments to develop a one- to three-year Local Housing Assistance
Plan (LHAP) outlining how funds will be used; and
WHEREAS, the SHIP Act requires local governments to establish the maximum
SHIP funds allowable for each strategy; and
WHEREAS, the SHIP Act further requires local governments to establish an
average area purchase price for new and existing housing benefiting from awards made
pursuant to the Act; The methodology and purchase prices used are defined in the
attached LHAP; and
WHEREAS, as required by section 420.9075, F.S. It is found that 5 percent of the
local housing distribution plus 5 percent of program income is insufficient to adequately •
pay the necessary costs of administering the LHAP. The cost of administering the
program may not exceed 10 percent of the local housing distribution plus 5% of program
income deposited into the trust fund, except that small counties, as defined in s.
120.52(17), and eligible municipalities receiving a local housing distribution of up to
$350,000 may use up to 10 percent of program income for administrative costs; and
WHEREAS, the Community Development Department has prepared a three-year
LHAP for submission to the Florida Housing Finance Corporation (FHFC); and
WHEREAS, the Director of the Community Development Department has
reviewed the LHAP and Exhibits and submitted the same to the FHFC for conditional
review and approval; and
0
Temp. Reso. No. 13761
March 15, 2022
• Page 3 of 6
WHEREAS, the FHFC issued a conditional approval with comments for the City of
Tamarac's LHAP; and
WHEREAS, the Director of the Community Development Department has
reviewed the comments and made the necessary updates to the LHAP and Exhibits and
recommends approval of same; and
WHEREAS, the Planning Board held a public hearing at the duly noticed April 6,
2022 meeting and recommended that the City Commission approved the LHAP and
subsequent submission to FHFC; and
WHEREAS, the City Commission held a public hearing at the duly noticed April
• 13, 2022 meeting and find that it is in the best interest of the public for the City of Tamarac
to submit the LHAP to FHFC for final review and approval, and
WHEREAS, the City Commission of the City of Tamarac, Florida deems it to be in
the best interests of the citizens and residents of the City of Tamarac to accept the State
of Florida's State Housing Initiatives Partnership (SHIP) Program budget by accepting the
Fiscal Year 2022, 2023, and 2024 allocations of the Program funds to be utilized
according to the City's LHAP and Housing Delivery Goals Chart.
NOW THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE
CITY OF TAMARAC, FLORIDA THAT:
Section 1: The foregoing "WHEREAS" clauses are hereby ratified and
confirmed as being true and correct and are hereby made a specific part of this
Temp. Reso. No. 13761
March 15, 2022
Page 4 of 6
Resolution; all exhibits attached hereto are incorporated herein and made a specific part
of this Resolution.
Section 2: The City Commission of the City of Tamarac hereby approves the
Local Housing Assistance Plan, as attached hereto as Exhibit 1", and incorporated
hereto for submission to the Florida Housing Finance Corporation as required by ss.
420.907-420-9079, Florida Statutes, for fiscal years 2022 through 2024.
Section 3: That the appropriate City Officials accept the State of Florida's State
Housing Initiatives Partnership (SHIP) Program budget by accepting the FY 2022, 2023,
and 2024 allocations of Program funds to be utilized according to the City's Local Housing
Assistance Plan and Housing Delivery Goals Chart. In addition, the appropriate City •
Officials are hereby authorized to appropriate said funds, including any and all
subsequent budgetary transfers to be in accordance with proper accounting standards.
Section 4: The Mayor, or in his/her absence, the Vice -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 term and conditions of said
program.
Section 5: All resolutions or parts of resolutions in conflict herewith are hereby
repealed to the extent of such conflict.
0
Temp. Reso. No. 13761
March 15, 2022
Page 5 of 6
Section & If any clause, section, other part or application of this Resolution is held
by any court of competent jurisdiction to be unconstitutional or invalid, in part or application,
it shall not affect the validity of the remaining portions or applications of this Resolution.
Section 7: This Resolution shall take effect immediately upon its adoption.
•
[INTENTIONALLY LEFT BLANK]
0
Temp. Reso. No. 13761
March 15, 2022
Page 6 of 6
PASSED, ADOPTED AND APPROVED this day of ! MIL, , 2022.
ATTEST:
,JFzNNIFEW,JOI0S0N, CMC
CITY CLERK
ICHELLE J. GOMEZ
MAYOR
RECORD OF COMMISSION VOTE
MAYOR GOMEZ
DIST 1:
COMM. BOLTON
`J'S
DIST 2:
V/M GELIN
DIST 3:
COMM. VILLALOBOS��
DIST 4:
COMM. PLACKO
APPROVED AS TO FORM AND LEGAL SUFFICIENCY FOR THE USE AND
RFI IANrF CIF THE rITY ()F TAMARAr nNI Y
•
U
0
•
The City For Your Life
STATE HOUSING INITIATIVE PARTNERSHIP PROGRAM LOCAL HOUSING ASSISTANCE PLAN (LHAP) •
FISCAL YEARS COVERED
FY 2022-2023, FY 2023-2024, FY 2024-2025
Submitted March 2022
City of Tamarac
Community Development Department Housing
Division
7525 NW 88 Avenue
Tamarac, FL 33321
SHIP LHAP
[eff. Date 7/1/20211
florida- ianing
Mayor and City Commission
Mayor Michelle J. Gomez
Vice Mayor Mike Gelin
Commissioner Marlon D. Bolton
Commissioner Debra Placko
Commissioner Elvin Villalobos
City Manager Kathleen Gunn
Our Vision
The City of Tamarac, Our Community of Choice -Leading the nation in quality of life through safe neighborhoods,
a vibrant community, exceptional customer service and recognized excellence.
Our Mission
We are: "Committed to Excellence... Always"
It is ourjob to foster and create an environment that:
Responds to the Customer
Creates and Innovates
Works as a Team
Achieves Results
Makes a Difference
Our Values
As stewards of the public trust, we value:
Vision, Integrity, Efficiency, Quality, Service
-2-
•
•
0
•
4
SHIP LHAP
[eff. Date 7/1/20211
Floridang
Table of Contents
Description
Page #
Section I, Program Details
4
Section II, Housing Strategies
8
A. Purchase Assistance
8
B. Owner -Occupied Rehabilitation
10
C. Emergency Repair
11
D. Disaster Repair/Mitigation
12
Section III, Incentive Strategies
14
A. Expedited Permitting
14
B. Ongoing Review Process
14
C. Zero Lot line Development
is
D. Development Near Transportation Hubs
is
xhibits
15
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 LHAP Certification
E. Signed, dated, witnessed or attested adopting resolution
F. Ordinance: (If changed from the original creating ordinance)
G. Interlocal Agreement
H. Other Documents Incorporated by Reference
-3-
•
SHIP LHAP
[eff. Date 7/1/20211
FloriddHousing
Program Details:
A. LG(s)
Name of Local Government City of Tamarac
Does this LHAP contain an interlocal agreement? No
If yes, name of other local government(s)
B. Purpose of the program:
• To meet the housing needs of the very low, low and moderate -income households;
• To expand production of and preserve affordable housing; and
• To further the housing element of the local government comprehensive plan specific to affordable housing.
C. Fiscal years covered by the Plan: 2022-2023, 2023-2024, 2024-2025
D. Governance: The SHIP Program is established in accordance with Section 420.907-9079, Florida Statutes and
Chapter 67-37, Florida Administrative Code. Cities and Counties must be in compliance with these applicable
statutes, rules and any additional requirements as established through the Legislative process.
E. Local Housing Partnership: The SHIP Program encourages building active partnerships between government,
lending institutions, builders and developers, not -for -profit and community -based housing providers and
service organizations, providers of professional services related to affordable housing, advocates for low-
income persons, real estate professionals, persons or entities that can provide housing or support services
and lead agencies of the local continuums of care.
F. Leveraging: The Plan is intended to increase the availability of affordable residential units by combining local
resources and cost saving measures into a local housing partnership and using public and private funds to
reduce the cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing
Finance Corporation programs and to provide local match to obtain federal housing grants or programs.
G. Public Input: Public input was solicited through meetings with housing providers, social service providers and
local lenders and neighborhood associations. These meetings include the quarterly HOA Liaison Meeting and
the annual Purchase Assistance Workshop. Public input was also solicited at the local Planning Board meeting
on April 6, 2022.
H. Advertising and Outreach: 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. Funding availability is also advertised on the city's website. If no funding is available due to
a waiting list, no notice of funding availability is required.
I. Waiting List/Priorities: Awaiting list will be established when there are eligible applicants for strategies that
no longer have funding available. Those households on the waiting list will be notified of their status.
Applicants will be maintained in an order that is consistent with the time completed applications were
submitted as well as any established funding priorities as described in this plan.
-4-
•
•
0
•
SHIP LHAP
Jeff. Date 7/1/20211
Roride*tairly
The following priorities for funding (very low income, Special Needs, etc.) described/listed here apply to all
strategies unless otherwise stated in an individual strategy in Section II:
All funds will be administered on a first qualified, first served basis. Ranking Priority for All Strategies:
1. Special Needs Households until 20% set aside has been met
2. Very low until 30%set aside has been met
3. Low until 60% set aside has been met
4. Moderate
J. Discrimination: In accordance with the provisions of ss.760.20-760.37, it is unlawful to discriminate on the
basis of race, color, religion, sex, national origin, age, handicap, or marital status in the award application
process for eligible housing.
K. Support Services and Counseling: Support services are available from various sources. Available support
services may include, but are not limited to: Homeownership Counseling (Pre and Post), Credit Counseling,
Tenant Counseling, Foreclosure Counseling and Transportation.
L. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed 90% of the
average area purchase price in the statistical area in which the eligible housing is located. Such average area
purchase price may be that calculated for any 12-month period beginning not earlier than the fourth calendar
• year prior to the year in which the award occurs. The sales price of new and existing units, which can be
lower but may not exceed 90% of the average area purchase price established by the U.S. Treasury
Department or as described above.
The methodology used is:
U.S. Treasury Department X
Local HFA Numbers
M. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program are
updated annually by the Department of Housing and Urban Development and posted at
www.floridahousing.org.
"Affordable" means that monthly rents or mortgage payments including taxes and insurance do not exceed
30 percent of that amount which represents the percentage of the median annual gross income for the
households as indicated in Sections 420.9071, F.S. However, it is not the intent to limit an individual
household's ability to devote more than 305vo of its income for housing, and housing for which a household
devotes more than 3096 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 3091o'benchmark and in the case
of rental housing does not exceed those rental limits adjusted for bedroom size.
N. Welfare Transition Program: Should an eligible sponsor be used, a qualification system and selection criteria
for applications for Awards to eligible sponsors shall be developed, which includes a description that
demonstrates how eligible sponsors that employ personnel from the Welfare Transition Program will be given
preference in the selection process.
-5-
.7
SHIP LHAP
[eff. Date 7/1/20211
O. Monitoring and First Right of Refusal: In the case of rental housing, the staff and any entity that has
administrative authority for implementing the local housing assistance plan assisting rental developments
shall annually monitor and determine tenant eligibility or, to the extent another governmental entity provides
periodic 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 $10,000 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.
P. Administrative Budget: A line -item budget is attached as Exhibit A. The city/county finds that the moneys
deposited in the local housing assistance trust fund are necessary to administer and implement the local
housing assistance plan.
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, states: 'A county or an
eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing
body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is
insufficient to adequately pay the necessary costs of administering the local housing assistance plan."
Section 420.9075 Florida Statute and Chapter 67-37, Florida Administrative Code, further states: The cost
of administering the program may not exceed 10 percent of the local housing distribution plus 5 percent of
program income deposited into the trust fund, except that small counties, as defined in s. 120.52(19), and
eligible municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of
program income for administrative costs." The applicable local jurisdiction has adopted the above findings in
the resolution attached as Exhibit E.
Q. Program Administration: Administration of the local housing assistance plan will be performed by:
Entity
Duties
Admin. Fee
Percentage
Local Government
General Administration
10%
Third Party Entity/Sub-recipient
R. First-time Homebuyer Definition: For any strategies designed for first-time homebuyers, the following
definition will apply: An individual who has had no ownership in a principal residence during the 3-year period
ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are
considered first-time homebuyers). A single parent who has only owned a home with a former spouse while
married. An individual who is a displaced homemaker and has only owned with a spouse. An individual who
has only owned a principal residence not permanently affixed to a permanent foundation in accordance with
applicable regulations. An individual who has only owned a property that was not in compliance with state,
local or model building codes and which cannot be brought into compliance for less than the cost of
-6-
•
•
C7
E
S1iIP LHAP
[eff. Datteee 7/1/2021 ]
Florida Housing
constructing a permanent structure.
S. Project Delivery Costs: In addition to the administrative costs listed above the City will charge up to $5,000 for
project delivery cost to cover rehabilitation tasks to include inspections, work write-ups, change orders, pre -bid
meetings, project bidding and other work as outlined in the agreement with the Consultant procured by the City of
Tamarac. All project delivery costs will be included as a part of the award for all strategies.
T. Essential Service Personnel Definition (ESP): ESP includes firefighters, police officers, educators, health care
professionals, skilled building tradesman, emergency management personnel.
U. Describe efforts to incorporate Green Building and Energy Saving products and processes:
The City will, when economically feasible, employ the following Green Building requirements in all
strategies:
1. Low or No-VOC paint for all interior walls (Low-VOC means 50 grams per liter or less for flat
paint; 150 grams per liter or less for non -flat paint)
2.
Low -flow water fixtures in bathrooms —WaterSense labeled products or the following
specifications:
L Toilets: 1.6 gallons/flush or less,
ii. Faucets: 1.5 gallons/minute or less
• 3.
Showerheads: 2.2 gallons/minute or less
4.
Energy Star qualified refrigerator
5.
Energy Star qualified dishwasher, if provided
6.
Energy Star qualified washing machine, if provided in units
7.
Energy Star qualified exhaust fans in all bathrooms
8.
Air conditioning: Minimum SEER rating of 14. Wall units and window units are
allowed in studios and one -bedroom units with a minimum of 11.7 SEER.
These requirements may be adjusted if the requirements of other construction funding sources require a more
prescriptive list.
V. Describe efforts to meet the 20% Special Needs set -aside: The City of Tamarac will give first priority, in the
rehabilitation strategy, to serving persons with special needs with an emphasis on home modifications,
including technological enhancements and devices, which allow the homeowner to remain independent in
their own homes and maintain homeownership. Additionally, in order to readily identify and serve persons
with special needs, The City of Tamarac has revised the program application to add questions regarding the
disability status of the applicant and their household members.
W. Describe efforts to reduce homelessness: The City of Tamarac supports all efforts to end homelessness. The
City is a member of the Broward County Homeless Partnership Initiative, which is the lead agency for the
regional (Broward County) Continuum of Care. The City supports the Initiative and its efforts to end
homelessness. Through regular meetings and reports such Broward County's Point in Time Report which
provides a breakdown of homeless counted by categories such as: veterans, youth, and families; as provided
-7-
SHIP LHAP
[eff. Date 7/1/20211
Floddousing
by Broward County, the City is kept up to date with Tamarac's homeless population. Typically, less than 1% of
the County's homeless population is reported as being from Tamarac. Based on these reports both the County
and the City of Tamarac will be able to re -assess its current services and programs to accommodate the
current homeless population.
Broward's Continuum of Care addresses all aspects of homelessness including prevention, outreach,
emergency shelter, transitional and permanent affordable housing, and supportive services which includes:
1. Facilitating community, business and governmental involvement in the homeless continuum of care
2. Direct oversight of the County's three regional Homeless Assistance Centers
3. Creating new and innovative programs to serve Broward's homeless population (such as the
County's first homeless medical respite carefacility)
Section II. LHAP Strategies:
A. PURCHASE ASSISTANCE Code 1,2
a. Summary: SHIP funds will be awarded for down payment and closing costs for new and existing
homes, including homes purchased from a Community Land Trust (CLT). Eligible housing includes single
family homes, townhouses and condominiums and located in the City of Tamarac. Funds may also be used
to buy down the principal. Eligible households may qualify for minor home repair to address improvements
needed for safe and sanitary habitation.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
C. Income Categories to be served: Very low, low and moderate
d. Maximum award:
Very Low: Up to $60,000
Low: Up to $50,000
Moderate: Up to $40,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred subordinate loan secured
by a recorded subordinate mortgage and note
2. Interest Rate: 0%
3. Years in loan term: 15 Years
4. Forgiveness: Principal reduction of 50% beginning in yearfourteen
5. Repayment: None required as long as the loan is in good standing.
-g-
•
•
0
•
SHEPLHAP
Jett Date 7/1/2021 j
Default: The loan is determined to be in default if any of the following occurs during the loan term:
sale, transfer, or conveyance of property; conversion to a rental property; loss of homestead
exemption status; homeowner no longer occupies the unit. If the homeowner dies, a relative may be
able to assume said Mortgage and Note upon verification of SHIP eligibility and assumption of the
Deed. If the home is foreclosed on by a superior mortgage holder, the City will make an effort to
recapture funds through the legal process if it is determined that adequate funds may be available to
justify pursuing a repayment.
Recipient/Tenant Selection Criteria: Applicants will be selected on a first qualified, first served basis. All
applicant(s) must be a first-time homebuyer as defined in Section I (R) of this plan. All applicants must
successfully complete a homebuyer education course with a HUD -Certified Housing Counseling Agency
and secure a pre -approval letter from a first mortgage lender. CLT homebuyers must attend a homebuyer
education class given by a HUD Certified Housing Counseling Agency that contains a community land - - Commented [CF1]: A HUD certified Housing
trust component and/or session with the CLT in addition to a homebuyer education class that requires _ Counseling Agency
CLT buyers to demonstrate and attest to a clear understanding of the terms of community land trust
homeownership.
Sponsor Selection Criteria: N/A
oh, Additional Information: Funds will be awarded in the amount required for the homebuyer to purchase
the property up to the maximum award. The purchase price of the home may not exceed the maximum
sales price allowed in the SHIP program as updated each year. Purchase Assistance funds cannot be
utilized if the sale price of the property exceeds the appraisal value of the property. Purchase Assistance
funds cannot be utilized when the seller of the property provides financing for the mortgage. Applicants
must contribute a minimum of 1% of the purchase price toward the purchase.
Applicant(s) must not own any other property used for residential purposes. Applicant(s) who have
monetary assets exceeding $25,000 must contribute one-third (1/3) of the funds toward the purchase,
except if the applicant has funds in a retirement fund accessible only by termination or retirement.
Terms for CLT home purchases: This SHIP assistance is assumable to a SHIP income -eligible purchaser. The
terms of the Note and Mortgage shall allow subsequent purchasers to assume the loan with approval by
the CLT. Otherwise, no repayment required during the term of the loan, provided the loan remains in
good standing. Please see Exhibit H for additional instructions and information for CLT purchases.
Program participants in the Purchase Assistance program will not be eligible for any other City of Tamarac
Housing Assistance programs, to include programs funded by SHIP, CDBG, HOME or any other state or
local program for a period of fifteen years, except following a disaster as declared byan Executive Order
issued bythe Presidentofthe United States orthe Governorofthe State ofFlorida. The rehabilitation portion
of purchase assistance may be funded by SHIP or other funding source such as CDBG, HOME and other
local sources. Please see Section I (f).
-9-
•
SHH'LHAP
Jeff. Date 7/1/2021]
Flodda:-1,C pg
B. OWNER OCCUPIED REHABILITATION Code 3
a. Summary: Funds will be provided for repairs and rehabilitation of substandard owner -occupied
housing units in accordance with the Housing Program Policies and Procedures.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
C. Income Categories to be served: Very low, low and moderate
d. Maximum award:
Very Low: Up to $60,000
Low: Up to $50,000
Moderate: Up to $40,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred subordinate loan secured
by a recorded subordinate mortgage and note
2. Interest Rate: 0%
3. Years in loan term: 15 Years
4. Forgiveness: Principal reduction of 50% beginning in year fourteen
5. Repayment: None required as long as the loan is in good standing.
6. Default: The loan is determined to be in default if any of the following occurs during the loan term:
sale, transfer, or conveyance of property; conversion to a rental property; loss of homestead
exemption status; homeowner no longer occupies the unit. If the homeowner dies, a relative may be
able to assume said Mortgage and Note upon verification of SHIP eligibility and assumption of the
Deed. If the home is foreclosed on by a superior mortgage holder, the City will make an effort to
recapture funds through the legal process if it is determined that adequate funds may be available to
justify pursuing a repayment.
Recipient/Tenant Selection Criteria: Applicants will be selected on a first qualified, first served basis with
priorities for funding as described in section 1 (1) of this plan.
g. Sponsor Selection Criteria: N/A
h. Additional Information: Assistance will only be provided for homes that are owner -occupied and used as
the primary residence. Proof of Homestead Exemption is required. Applicants will be assisted on a first -
qualified, first -served basis. Applicants must provide proof of homeowners insurance. If an applicant has
no insurance, SHIP funds may be used to pay for one year if the applicant agrees to maintain the policy for
the remaining affordability period. All property taxes must be current. If applicable, the mortgage must be
current. If the home has a second mortgage, the home will not qualify for assistance. Mobile homes are
not eligible forassistance.
-10-
•
•
0
•
SHrP LHAP
Jeff. Date 7/1/20211
Flory &Houslng
Applicant(s) must not own any other property used for residential purposes. Applicant(s) who have
monetary assets exceeding $25,000 must contribute one-third (1/3) of the funds toward the repairs,
except if the applicant has funds in a retirement fund accessible only by termination or retirement.
All work will be performed according to the work write-up specifications prepared by housing staff or its
designee. Rehabilitation work will be performed by contractors on the City's approved contractors list.
Rehabilitation assistance will not include relocation costs. If all bids exceed the maximum award, the SHIP
Administrator or his/her designee will delete someline items fromthebid until the bid does not exceed the
maximum award. After such deletion, the lowest bidder will be awarded the contract. If it has been
determined that all line items are code related, then all bids will be rejected, and the applicant will be
deemed ineligible due to excessive cost of the rehabilitation.
Participants of Owner -Occupied Rehabilitation will not be eligible for any other City of Tamarac Housing
Assistance program, to include but not limited to, programs funded by SHIP, CDBG, HOME or any other
state or local program for a period of fifteen years, except following a disaster as declared by an Executive
Order issued bythe President ofthe United Statesorthe Governor of the State of Florida.
C. EMERGENCY REPAIR I Code 06
Summary: Funds will be awarded to applicants in need of emergency rehabilitation of their home
related to a dire situation that needs to be mitigated immediately. This may include, but not limited to:
damaged roofing that is leaking, damaged windows causing exposure to the elements, or electrical or
plumbing problems that could cause damage (fire) to the home or is determined to be an immediate health
hazard to the occupants.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
C. Income Categories to be served: Very low, low and moderate
d. Maximum award: $25,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred subordinate loan secured
by a recorded subordinate mortgage and note.
2. Interest Rate: 0%
3. Years in loan term: 15 Years
4. Forgiveness: Principal reduction of 50% beginning in year fourteen
5. Repayment: None required as long as the loan is in good standing.
6. Default: The loan is determined to be in default if any of the following occurs during the loan term:
sale, transfer, or conveyance of property, conversion to a rental property; loss of homestead
exemption status; homeowner no longer occupies the unit. If the homeowner dies, a relative maybe
able to assume said Mortgage and Note upon verification of SHIP eligibility and assumption of the
Deed. If the home is foreclosed on by a superior mortgage holder, the City will make an effort to
-11-
•
SHIP LHAP
[eff. Date 7/1/2021]
�ori� 1-lousir>g
recapture funds through the legal process if it is determined that adequate funds may be available to
justify pursuing a repayment.
Recipient/Tenant Selection Criteria: Applicant will be selected based on the priority of the emergency
need as determined by the SHIP Administrator or his/her designee. If more than one application is
received at any given time, applicants will be ranked for assistance based on a first -qualified, first- served
basis with priorities for funding as described in section 1(1) of this plan.
Sponsor Selection Criteria: N/A
Additional Information: Assistance will only be provided for homes that are owner-occu pied and used as
the primary residence. Proof of Homestead Exemption is required. Applicants must provide proof of
homeowner's insurance. If an applicant has no insurance, SHIP funds may be used to pay for one year if
the applicant agrees to maintain the policy for the remaining affordability period. All property taxes must
be current. If applicable, the mortgage must be current. If the home has a second mortgage, the home will
not qualify for assistance. Mobile homes are not eligible for assistance.
Applicant(s) must not own any other property used for residential purposes. Applicant(s) who have
monetary assets exceeding $25,000 must contribute one-third (1/3) of the funds toward the repairs,
except if the applicant has funds in a retirement fund accessible only by termination or retirement.
All work will be performed according to the work write-up specifications prepared by housing staff or its
designee. Emergency Repair work will be performed by contractors on the City's approved contractors
list. Emergency Repair will not include relocation costs. If all bids exceed the maximum award, the SHIP
Administrator or his/her designee, will reject all bids and the applicant will be deemed ineligible due to
excessive cost of the emergency repair.
D. DISASTER REPAIR/MITIGATION I Code 05/16
a. Summary: Funds will be awarded to applicants in need of home repairs directly caused by a
disaster that is declared by an Executive Order of the President of the United States or Governor of the
State of Florida.
b. Fiscal Years Covered: 2022-2023, 2023-2024, 2024-2025
C. Income Categories to be served: Very low, low and moderate
d. Maximum award: $30,000
e. Terms:
1. Repayment loan/deferred loan/grant: Funds will be awarded as a deferred subordinate loan secured
by a recorded subordinate mortgage and note.
-12-
•
•
0
•
SHIP LHAP
[eff. Date 7/1/20211
Florid_�iousirts
2. Interest Rate: 0
3. Years in loan term: 15 Years
4. Forgiveness: Principal reduction of 50% beginning in yearfourteen.
5. Repayment: None required as long as the loan is in good standing.
6. Default: The loan is determined to be in default if any of the following occurs during the loan term:
sale, transfer, or conveyance of property; conversion to a rental property; loss of homestead
exemption status; homeowner no longer occupies the unit. If the homeowner dies, a relative may be
able to assume said Mortgage and Note upon verification of SHIP eligibility and assumption of the
Deed. If the home is foreclosed on by a superior mortgage holder, the City will make an effort to
recapture funds through the legal process if it is determined that adequate funds may be available to
justify pursuing a repayment.
Recipient/Tenant Selection Criteria: Applicants will be assisted on a first -qualified, first -served basis with
priorities for funding as described in section 1(1) of this plan.
Sponsor Selection Criteria: N/A
Additional Information: Funds for disaster mitigation will only be allocated from unencumbered funds or
additional funds awarded through Florida Housing Finance Corporation for the disaster.
• Assistance will only be provided for homes that are owner -occupied and used as the primary residence.
Proof of Homestead Exemption is required. Applicants must provide proof of homeowner's insurance.
Applicants must file for and use proceeds from insurance as firstoption. If an applicant has no insurance,
SHIP funds may be used to pay for one year if the applicant agrees to maintain the policy for the
remaining affordability period. All property taxes must be current. If applicable, the mortgage must be
current. If the home has a second mortgage, the home will not qualify for assistance. Mobile homes are
not eligible for assistance.
Applicant(s) must not own any other property used for residential purposes. Applicant(s) who have
monetary assets exceeding $25,000 must contribute one-third (1/3) of the funds toward the repairs,
except if the applicant has funds in a retirement fund accessible only by termination or retirement.
All work will be performed according to the work write-up specifications prepared by housing staff or its
designee. Disaster Repair/Mitigation work will be performed by City approved contractor. Disaster
Repair/Mitigation will not include relocation costs.
Funds may be used for items such as, but not limited to, purchase of emergency supplies for eligible
households to weatherproof damaged homes, interim repairs to avoid further damage, tree and debris
removal required to make the housing unit habitable, post disaster assistance with non-insured repairs,
payment of insurance deductibles for rehabilitation of homes covered under homeowner's insurance
policies; and soft costs required to process assistance applications. This strategy will only be implemented
in the event of a disaster using funds that have not yet been encumbered or additional disaster funds
issued by Florida Housing Finance Corporation.
-13-
•
•
SHIPLHAP
Jeff. Date 7/1/20211
Florida Housing
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.
Provide a description of the procedures used to implement this strategy:
1. The City expedites the processing of affordable housing permits through a pre -
application conference and screening.
2. Affordable housing projects are identified by sales price consistent with the SHIP
program's housing value limits.
3. The Building and Community Development Departments have employees that serve as
liaisons with developers of affordable housing to assist in the permit process. All
denoted "Expedited" permits are processed through one central designee to route
accordingly.
4. Affordable housing projects are denoted "Expedited".
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.
Provide a description of the procedures used to implement this strategy:
1. The City has developed a process to consider the impact of policies, procedures,
ordinances, regulations, or plan revisions on affordable housing and housing costs prior
to adoption by the City Commission.
2. The City employs a public participation process with the City Commission and other
advisory groups and committees to consider impacts of decisions on affordable housing
and housingcosts.
3. The City Commission meets twice per month during which the public's input is sought on
issues that have an impact on the cost of housing.
4. Information on all housing assistance programs are available via the city's website for
the public.
5. A member from the Housing staff will attend at least one training session per year
relevant to the programs administered by the City.
C. Name of Strategy: Zero Lot Line Development
Provide a description of the procedures used to implement this strategy:
1. The City allows zero lot line development.
2. Zero lot lines maximize available land for affordable housing and helps maintain
affordable housing costs within the City.
-14-
u
SHH'LHAP
[eff. Date 7/1/20211
RoOga�iousing
D. Name of Strategy: Support of development near transportation hubs and major employment
centers and mixed -use developments
Provide a description of the procedures used to implement this strategy:
1. The Planning and Zoning Division currently facilities the process for new developments to
maximize use of public transportation options.
2. The new Land Development Regulations will support and encourage development near
transportation hubs, major employment centers and mixed -use developments.
3. Several focus areas within the city are slated to be rezoned "mixed use" in order to
encourage and facilitate a multi -model community, maximizing the use of public
transportation.
IV. EXHIBITS:
Required
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 LHAP Certification.
E. Signed, dated, witnessed or attested adopting resolution.
Optional
F. Ordinance: (If changed from the original creating ordinance).
G. Interlocal Agreement (Required if applicable).
H. Other Documents Incorporated by Reference
-15-
•