HomeMy WebLinkAboutCity of Tamarac Resolution R-2008-0451
Temp Reso #11380
Page 1 of 4
March 27, 2008
CITY OF TAMARAC, FLORIDA
RESOLUTION NO. R-2008- qS
A RESOLUTION OF THE CITY COMMISSION OF THE CITY
OF TAMARAC, FLORIDA, AUTHORIZING THE
APPROPRIATE CITY OFFICIALS TO APPROVE AN
AMENDMENT TO THE LOCAL HOUSING ASSISTANCE
PLAN (LHAP) AND DELIVERY GOALS CHART FOR THE
PROGRAM YEARS 2007-2008, 2008-2009 AND 2009-2010
TO BE SUBMITTED AS A REQUIRED COMPONENT OF THE
STATE HOUSING INITIATIVES PARTNERSHIP ACT (SHIP)
GRANT PROGRAM; PROVIDING FOR CERTIFICATION OF
CONSISTENCY WITH THE CITY'S COMPREHENSIVE PLAN;
PROVIDING FOR EXPENDITURES FOR ADMINISTRATION
OF THE PROGRAM; PROVIDING FOR CONFLICTS;
PROVIDING FOR SEVERABILITY; AND PROVIDING FOR
AN EFFECTIVE DATE.
WHEREAS, the City Commission of the City of Tamarac, Florida, having met the
requirements of the State Housing Initiatives Partnership Act ("SHIP"), became a direct
entitlement City receiving grant funding in July, 1998; and
WHEREAS, the State Housing Initiatives Partnership (SHIP) Act, § 420.907-
420.9079, Florida Statutes (1992), and Rule Chapter 67-37.005(6), Florida Administrative
Code, requires local governments to develop and adopt a Local Housing Assistance Plan
("LHAP") which details the housing programs; and
WHEREAS, the Local Housing Assistance Plan is valid for a period of three (3)
years and is required to be renewed and submitted to the Florida Housing Finance
Corporation for continued SHIP grant participation; and
WHEREAS, the City Commission may amend the LHAP in order to provide for a
Temp Reso #11380
Page 2 of 4
March 27, 2008
change in terms for the recapture of funds provided to homeowners pursuant to the
Housing Strategies contained within the LHAP; and
WHEREAS, the City Commission desires to provide for an amendment to the City's
LHAP to provide for an amendment to the recapture terms for funds provided to
homeowners, to be effective as of July 1, 2007, nunc pro tunc; and
WHEREAS, the Local Housing Assistance Program adopted by the City
Commission of the City of Tamarac must be consistent with the City's Comprehensive
Plan; and
WHEREAS, the Community Development Director recommends approval; and
WHEREAS, the City Commission of the City of Tamarac, Florida deems it to be in
the best interest of the citizens and residents of the City of Tamarac to approve the LHAP
amendment, as well as the Delivery Goals Chart for the Program Years 2007-2008, 2008-
2009 and 2009-2010 to be submitted as a required component of the SHIP Grant Program;
providing for certification of consistency with the City's Comprehensive Plan.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE
CITY OF TAMARAC, FLORIDA:
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 Resolution.
SECTION 2: That the City Commission hereby approves the Amendment of
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Temp Reso #11380
Page 3 of 4
March 27, 2008
the Local Housing Assistance Plan (LHAP) and Delivery Goals Chart as attached in Exhibit
"1 ", and incorporated hereto for submission to the Florida Housing Finance Corporation as
required by § 420.907 — 420.9097, Florida Statutes and Rule 67-37.006 Florida
Administrative Code, for the State of Florida Fiscal Years 2004-2005, 2005-2006 and
2006-2007. The provisions related to the recapture of funds provided pursuant to LHAP
Housing Strategies shall be effective as of July 1, 2007, nunc pro tuns.
SECTION 3: That 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.
SECTION 4: That the appropriate City Officials are hereby authorized to
submit the Local Housing Assistance Plan (LHAP) and Delivery Goals Chart, to the Florida
Housing Finance Corporation for review and approval.
SECTION 5: All resolutions or parts of resolutions in conflict herewith are
hereby repealed to the extent of such conflict.
SECTION 6: 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
passage and adoption.
Temp Reso #11380
Page 4 of 4
March 27, 2008
This Resolution shall become effective immediately upon its
PASSED AND ADOPTED BY THE CITY COMMISSION OF THE CITY OF TAMARAC,
FLORIDA THIS 1 a DAY OF 4JXjdZ , 2008.
10,
ATTEST:
MARION SWENSON, CMC
CITY CLERK
I HEREBY CERTIFY that
I have approved this
RESOLUTION as to form.
UEL S- GOREN
ITY ATTORNEY
CITY OF TAMARAC, FLORIDA
BETH FLANSBAUM-TALABISCO, MAYOR
RECORD OF COMMISSION VOTE:
MAYOR FLANSBAUM-TALABISCO
DIST 1: COMM PORTNER Gleo
DIST 2: COMM ATKINS-GRAD
DIST 3: V/M SULTANOF
DIST 4: COMM. DRESSLER
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LOCAL HOUSING ASSISTANCE PLAN (CHAP)
Prepared for the State of Florida
FISCAL YEARS 2007-2008, 2008-2009, 2009-2010
July 1, 2007 through June 30, 2010
Vt Amendment
Submitted March 2008
City of Tamarac
7525 N.W. 88t" Avenue
Tamarac, FL 33321
(954) 597-3530
TABLE OF CONTENT
a20le]:L`1811]�-1i1 0.41 a 111156]kql
City of Tamarac
SHIP Program
LHAP FY 2007-2009
1st Amendment — March 2008
A.
Name of Local Government ..................................................
3
B.
Purpose..............................................................................
3
C.
Fiscal Years Covered..........................................................
3
D.
Governance........................................................................
3
E.
Local Housing Partnership...................................................
3
F.
Leveraging..........................................................................
4
G.
Public Input.........................................................................4
H.
Advertising and Outreach....................................................4
I.
Discrimination......................................................................
4
J.
Support Services and Counseling........................................5
K.
Purchase Price Limits..........................................................5
L.
Income Limits, Rent Limits and Affordability ..........................5
M.
Welfare Transition Program..................................................6
N.
Monitoring and First Right of Refusal...................................6
O.
Administrative Budget..........................................................6
P.
Essential Services Personnel...............................................6
II. LHAP HOUSING
STRATEGIES
A.
Strategy 1 — Housing Rehabilitation Program ........................7
B.
Strategy 2 — Purchase Assistance Program ..........................
9
C.
Strategy 3 — Disaster Mitigation Program..............................11
D.
Strategy 4 — Disaster Relief..................................................13
III. LHAP INCENTIVE
STRATEGIES
A.
Incentive Strategy 1 — Expedited Permitting ..........................15
B.
Incentive Strategy 2 — Ongoing Review Process...................15
C.
Incentive Strategy 3 — Zero Lot Line Development................15
IV. EXHIBITS
(Attached)
A.
Annual Administrative Budgets
B.
Timelines
C.
Housing Delivery Goals Charts
D.
Certification Page
E.
Adopting Resolution
F.
Program Information Sheet
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1$' Amendment — March 2008
I. PROGRAM DESCRIPTION Chapter 67-37.005 F.A.C. and Section 420.9072, F.S.
A. Name of the participating local government and Interlocal if Applicable:
Section 420.9072(5),F.S.
City of Tamarac, Florida
Interlocal : Yes No X
Name of participating local government(s) in the Interlocal Agreement;
B. Purpose of the program: Section 420.9072, F.S. and Chapter 67-37.005, F.A.C.
Creation of the Plan is for the purpose of meeting the housing needs of the
very low, low and moderate income households, to expand production of and
preserve affordable housing, to further the housing element of the local
government comprehensive plan specific to affordable housing.
C. Fiscal years covered by the Plan: Chapter 67-37.002,F.A.C.
X
2007/2008
X
2008/2009
X
2009/2010
D. Governance: Chapter 67-37.005,F.A.C. and Section 420.9071,F.S.
The SHIP Program is established in accordance and is in compliance with
Section 420.907-9079, Florida Statutes and Chapter 67-37.007 Florida
Administrative Code. The SHIP Program does further the Housing Element
of the local government Comprehensive Plan. The City if Tamarac is in
compliance with these statutes and rules.
E. Local Housing Partnership section 420.9072, F.S.
The FY 2007-2008, 2008-2009, and 2009-2010 Local Housing Assistance
Plan is implemented through a local housing partnership. The partnership
represents a cooperative effort between the City of Tamarac, Broward
County, lenders, developers, construction contractors, and non profit
organizations to produce, acquire and rehabilitate affordable housing. The
partnerships help ensure the program is efficient and effective by combining
resources whenever possible.
The partnership process enhances the LHAP by uniting the strengths of
public, private, and non profit organizations.
!IK1!
City of Tamarac
SHIP Program
LHAP FY 2007-2009
1st Amendment — March 2008
Strategies, such as the Owner Occupied Home Rehabilitation Program,
represent a partnership between the City and Tamarac residents. The
program complements current City programs to upgrade the water supply
system, improve storm water drainage, pave all the City streets and install
new landscaping. The rehabilitation of existing affordable housing improves
the aesthetics of neighborhoods, reduces code compliance issues, and can
inhibit vandalism and crime.
F. Leveraging: Chapter67-37.007, F.A.C. and Section 420.9075, F.S.
The LHAP 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. Funds from the U.S. Housing and
Urban Development Department's Community Development Block Grant
(CDBG) and Home Investments Partnerships (HOME) programs may also
be used to leverage SHIP funds.
G. Public Input: Chapter67-37.005, F.A.0
Public input was solicited through public hearings, housing providers, social
service providers and local lenders.
H. Advertising and Outreach: Chapter67-37.005, F.A.C.
The City of Tamarac will advertise the notice of funding availability 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. Flyers and brochures will be available at City facilities and distributed
to local community groups.
I. Discrimination: Section 420.9075, F.S.
In accordance with the provisions of ss.760.20-760.37, it is unlawful to
discriminate on the basis of race, creed, religion, color, age, sex, marital status,
familial status, national origin, or handicap in the award application process for
eligible housing.
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
131 Amendment — March 2008
J. Support Services and Counseling: Chapter67-37.005,F.A.C.
All eligible persons receiving home purchase assistance under the SHIP
program will be required to complete a housing counseling program which
addresses personal budgeting, home inspection and maintenance,
foreclosure prevention and other pertinent topics. 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/Landlord Counseling and,
Transportation
K. Purchase Price Limits: Section 420.9075,F.S. and Chapter 67-37.007(6)F.A.C.
Purchase Price Limits: The sales price or value of new or existing eligible
housing may not exceed 90% of the average area purchase price in the
statistical area in which the eligible housing is located. 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:
Independent Study (copy attached)
X U.S. Treasury Department
Local HFA Numbers
The purchase price limit for new and existing homes is:
New Homes: $429,619.50
Existing Homes: $429,619.50_
L. Income Limits, Rent Limits and Affordability:
Chapter 67-37.005, F.A.C..and Section 420.9071, F.S.
The Income and Rent Limits used in the SHIP Program are updated annually
from the Department of Housing and Urban Development and distributed by
Florida Housing Finance Corporation. Affordable means that monthly rents
or mortgage payments including taxes and insurance do not exceed 30
percent of that amount which represents the percentage of the median
annual gross income for the households as indicated in Sections 420.9071
(19), (20) and (28), F.S. However it is not the intent to limit an individual
household's ability to devote more than 30% of its income for housing, and
housing for which a household devotes more than 30% of its income shall be
deemed affordable if the first institutional mortgage lender is satisfied that
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1't Amendment — March 2008
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: Chapter67-37.005(6)(b)(7)F.A.C.
Should a eligible sponsor be used, the City has developed a qualification
system and selection criteria for applications for Awards to eligible sponsors,
which includes a description that demonstrates how eligible sponsors that
employed personnel from the Welfare Transition programs will be given
preference in the selection process. The City will also give preference to
eligible home rehabilitation contractors that employ persons from Welfare
Transition programs.
N. Monitoring and First Right of Refusal: Section 420,9075, F.S.
The City of Tamarac does not have a rental strategy therefore, this section is
not applicable.
O. Administrative Budget: Chapter67-37.005, F.A.C., and420.9075(7), F.S.
A detailed listing including line -item budget of proposed Administrative
Expenditures is attached as Exhibit A. These are presented on an
annual basis for each State fiscal year submitted.
All funds received from the State pursuant to the SHIP act and any funds
received or budgeted to provide funding for the program shall be deposited
into the Local Housing Assistance Trust Fund. The monies deposited in the
Trust Fund shall be used to administer and implement the LHAP. The City
of Tamarac Local Housing Partnership has determined that five (5) percent
of the local housing distribution is insufficient to pay necessary cost of
administering the program and has allocated no more than ten (10) percent
of the SHIP funds to be applied towards administrative expenses. The City
of Tamarac has adopted the above findings in the attached resolution,
Exhibit E.
P. Essential Service Personnel. Include a definition as required in Chapter
67-37.002(6), F.A.C.
Essential Service Personnel as evaluated and determined by the City of
Tamarac include, but are not limited to: Fire fighters, police officers,
educators, health care professionals, skilled building tradesman, and
emergency management personnel, and other job categories required to
meet the needs of the community depending on need and/or emergency.
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1st Amendment -- March 2008
II. LHAP HOUSING STRATEGIES: Chapter 67-37.005,F.A.C.
The City of Tamarac' will serve households in the following income categories;
Extremely low income households or "ELI" means one or more natural persons
or family that has a total annual gross household income that does not exceed
30 percent of the area median income adjusted for family size for households
within the metropolitan statistical area, county, or the non -metropolitan median
for the state, whichever is greatest, very -low income households or WLI" means
one or more natural persons or family that has a total annual gross household
income that does not exceed 50 percent of the area median income adjusted for
family size for households within the metropolitan statistical area, county, or the
non -metropolitan median for the state, whichever is greatest, low income
households or "LI" means one or more natural persons or family that has a total
annual gross household income that does not exceed 80 percent of the area
median income adjusted for family size for households within the metropolitan
statistical area, county, or the non -metropolitan median for the state, whichever
is greatest, moderate income households or "MI" means one or more natural
persons or family that has a total annual gross household income that does not
exceed 120 percent of the area median income adjusted for family size for
households within the metropolitan statistical area, county, or the non -
metropolitan median for the state, whichever is greatest,
Different programs are offered to limited income households.
All properties that receive assistance must meet current code requirements
once work is completed. Properties with illegal structures will not receive
assistance.
Provide Description:
1. Name of the Strategy: HOME REHABILITATION
a. Summary of the Strategy:
Housing Rehabilitation is designed to provide loans for the purpose of
improving or maintaining owner -occupied housing through home
repair, renovation, or weatherization. Eligible home repairs programs
include:
1 a. Major Home Repair: Assistance needed to correct health or
safety issues, bring the property up to local or state building code.
Available to EL, VL, L, and MOD income households. Maximum
award is $30,000.
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
lot Amendment — March 2008
1 b. Code Correction/Nei_ bborhood Revitalization Program:
Assistance to EL, VL and L income households only for exterior code
correction or improvements for items such as: roof repairs, window
repair/replacement, exterior door repair/replacement. The following
items will also be allowed when accompanied by previously
mentioned exterior repairs: painting, parking, drainage, landscaping,
broken or deteriorate fences, and irrigation repair. Maximum award is
$10, 000.
1c. Hurricane/Storm Shutters Program: Installation of building code
approved hurricane and storm shutters to properties with no existing
code violations for EL, VL, and L income households. Maximum
award it $7,500. Impact resistant windows for the elderly and disabled
to prevent excessive labor required to operate storm shutters.
b. Fiscal Years Covered:
2007-2008
2008-2009
2009-2010
C. Households by income limits to be served:
Depending on the program, the City's rehabilitation programs may
serve extremely -low (EL), very -low (VL), low (L), and moderate (MOD)
income households.
d. Maximum award by program is noted on the Housing Delivery Goals
Chart.
e. Terms of Pavment. Recapture and Default
Deferred loan secured by a lien against the property for a
period of ten (10) years with zero (0) percent interest with a
principal reduction of twenty (20) percent beginning in year six.
At the end of the tenth year, the loan is forgiven. The pro -rated
repayment is due upon the sale or transfer of the property or if
cash equity is taken out within the ten_(10) year loan term.
The City's loan documents provide that the obligation for
repayment shall continue for the entire recapture terms even in
the event of the death of the homeowner. The obligation to
repay funds during the recapture period in the event of the sale
of the property, or due to failure to comply with the obligations
as stated in the loan document shall transfer to any heir or
beneficiary of the deceased property owner.
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1" Amendment — March 2008
The sale, transfer of ownership of the Property, refinancing of the
Property with a cash payment to the Owner -Occupant, or the
Owner -Occupant's vacation of the property as a primary
residence during the ten (10) year term of the Agreement shall
constitute a default. The prorated amount of the principal
balance of the Deferred Payment Loan that is remaining to be
paid at the time of the default shall be payable, in full, to the City
of Tamarac SHIP program.
Recipient Selection Criteria:
i. Eligible homeowners will be selected on a first -come, first -
ready basis, within income groups from all eligible applicants.
Special needs eligible applicants; as defined in 67-37.002(13),
F.A.C., will be given first priority by household income in the
following order: extremely low-income, very low-income, low-
income, and moderate -income households.
ii. Property must be owner -occupied.
iii. Verification of ownership, income, and other income qualifying
verifications will be conducted to determine eligibility.
g. Sponsor Selection Criteria:
No sponsors are utilized for this strategy. All work conducted in-
house.
h. Additional Information:
i. Eligible contractors will be selected through a bid process to
perform repairs under this strategy. The selection will be based
on experience, past performance, and financial stability.
Preference will be given to eligible contractors that employ
personnel from Welfare Transition Programs.
ii. The homes must not be in violation of any housing codes after
rehabilitation.
2. Name of the Strategy: PURCHASE ASSISTANCE
a. Summary of the Strategy:
The Purchase Assistance Program assists eligible first-time
homebuyers with a deferred loan to be applied towards down
payment or closing costs, for the purchase of eligible housing,
including, a single-family home, townhouse, condominium, or villa.
b. Fiscal Years Covered:
2007-2008
2008-2009
2009-2010
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1$t Amendment — March 2008
C. Households by income limits to be served:
This strategy serves the following households: extremely low-income,
very low-income, low-income, and moderate -income.
d. Maximum award is as follows and is noted on the Housing Delivery
Goals Chart.
Maximum award for EL, VL and L households is $40,000
Maximum award for MOD households is $30,000
e. Terms, Recapture and Default.
Deferred loan secured by a lien against the property for a period of
ten (10) years with zero (0) percent interest with a principal reduction
of twenty (20) percent beginning in year six. At the end of the tenth
year, the loan is forgiven. The pro -rated repayment is due upon the
sale or transfer of the property or if cash equity is taken out within the
ten(10) year loan term
The City's loan documents provide that the obligation for repayment
shall continue for the entire recapture terms even in the event of the
death of the homeowner. The obligation to repay funds during the
recapture period in the event of the sale of the property, or due to
failure to comply with the obligations as stated in the loan document
shall transfer to any heir or beneficiary of the deceased property
owner.
The sale, transfer of ownership of the Property, refinancing of the
Property with a cash payment to the Owner -Occupant, or the Owner -
Occupant's vacation of the property as a primary residence during the
ten (10) year term of the Agreement shall constitute a default. The
prorated amount of the principal balance of the Deferred Payment Loan
that is remaining to be paid at the time of the default shall be payable, in
full, to the City of Tamarac SHIP program.
Recipient Selection Criteria:
i. Eligible applicants will be served on a first -come, first -ready
basis within households income groups with priority given to
those with special needs; as defined in 67-37.002(13), F.A.C.
ii. Program participant must complete a home ownership
counseling program prior to loan closing.
iii. Participants must not own any other property used for
residential purposes.
iv. Participant must be a first-time homebuyer. A first-time
homebuyer is defined as not having owned a home with the
past three years, a single parent with children under the age of
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1 St Amendment — March 2008
eighteen (18) who has recently been divorced and displaced, a
displaced victim of domestic abuse, or a person displaced as a
result of government action.
V. The purchase price of the home may not exceed the maximum
sales price allowed in the SHIP program as updated each year.
vi. The participant must contribute a minimum of one (1) percent
of the purchase price (including prepaids) towards the
purchase of the home.
vii. The participant must reside in the home within 60 days of
closing.
viii. Purchase Assistance funds cannot be utilized when the seller
of the property provides financing for the mortgage.
g. Sponsor Selection Criteria:
No sponsors are utilized for this strategy. All work conducted in-
house.
h. Additional Information:
The lender may not charge more than 2 points for loan
origination fees.
Interest rates must be fixed for the term of the loan.
3. Name of the Strategy: DISASTER MITIGATION PROGRAM
a. Summary of the Strategy:
The Disaster Mitigation Program will assist single-family property
owners with hurricane resistant retrofitting improvements to reduce
potential future hurricane related damages. Eligible activities may
include the following:
Improving the strength of the roof deck attachment.
Creating a secondary water barrier to prevent water intrusion.
Improving the survivability of the roof covering.
Bracing gable -ends in the roof framing.
Reinforcing roof -to -wall connections.
Upgrading exterior wall opening protections.
Upgrading exterior doors.
b. Fiscal Years Covered:
2007-2008
2008-2009
2009-2010
C. Households by income limits to be served:
This strategy serves the following households: extremely low-income,
very low-income, low-income, and moderate -income.
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1$t Amendment — March 2008
d. Maximum award is as follows and is noted on the Housing Delivery
Goals Charts:
Maximum Award is $20,000.
e. Terms Recapture and Default.
Deferred loan secured by a lien against the property for a period of
ten (10) years with zero (0) percent interest with a principal reduction
of twenty (20) percent beginning in year six. At the end of the tenth
year, the loan is forgiven. The pro -rated repayment is due upon the
sale or transfer of the property or if cash equity is
taken out within the ten(10) year loan term.
The City's loan documents provide that the obligation for repayment
shall continue for the entire recapture terms even in the event of the
death of the homeowner. The obligation to repay funds during the
recapture period in the event of the sale of the property, or due to
failure to comply with the obligations as stated in the loan document
shall transfer to any heir or beneficiary of the deceased property
owner.
The sale, transfer of ownership of the Property, refinancing of the
Property with a cash payment to the Owner -Occupant, or the Owner -
Occupant's vacation of the property as a primary residence during the
ten (10) year term of the Agreement shall constitute a default. The
prorated amount of the principal balance of the Deferred Payment Loan
that is remaining to be paid at the time of the default shall be payable, in
full, to the City of Tamarac SHIP program.
Recipient Selection Criteria:
i. Eligible homeowners will be selected on a first -come, first -
ready basis, within income groups from all eligible applicants.
Special needs eligible applicants; as defined in 67-37.002(13),
F.A.C., will be given first priority by household income level in
the following order: extremely low-income, very low-income,
low-income, and moderate -income levels.
ii. Property must be owner -occupied.
iii. Verification of ownership, income, and other income qualifying
verifications will be conducted to determine eligibility.
g. Sponsor Selection Criteria:
No sponsors are utilized for this strategy. All work conducted in-
house.
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1" Amendment — March 2008
h. Additional Information:
Priority to be given to special needs groups including, but not limited
to the elderly and disabled; as further described in 67-37.002(13),
F.A.C.
4. Name of the Strategy: DISASTER RELIEF
a. Summary of the Strategy:
To provide emergency repairs to EL, VL, L and MOD -income
households following a natural disaster as declared by an executive
order issued by the President of the United States or the Governor of
the State of Florida. In the event of a disaster, any unencumbered
funds will be used to address the needs of those affected by the
disaster.
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, and soft costs required to
process assistance applications. This strategy will only be
implemented in the event of a natural disaster using funds that have
not yet been encumbered.
b. Fiscal Years Covered:
2007-2008
2008-2009
2009-2010
C. Households by income limits to be served:
This strategy serves the following households: extremely low-income,
very low-income, low-income, and moderate -income.
d. Maximum award is as follows and is noted on the Housing Delivery
Goals Charts:
Maximum Award is $30,000.
e. Terms. Recapture and Default.
Deferred loan secured by a lien against the property for a period of
ten (10) years with zero (0) percent interest with a principal reduction
of twenty (20) percent beginning in year six. At the end of the tenth
year, the loan is forgiven. The pro -rated repayment is due upon the
sale or transfer of the property or if cash equity is
taken out within the ten(10) year loan term.
SKIM
City of Tamarac
SHIP Program
L.HAP FY 2007-2009
101 Amendment — March 2008
The City's loan documents provide that the obligation for repayment
shall continue for the entire recapture terms even in the event of the
death of the homeowner. The obligation to repay funds during the
recapture period in the event of the sale of the property, or due to
failure to comply with the obligations as stated in the loan document
shall transfer to any heir or beneficiary of the deceased property
owner.
The sale, transfer of ownership of the Property, refinancing of the
Property with a cash payment to the Owner -Occupant, or the Owner -
Occupant's vacation of the property as a primary residence during the
ten (10) year term of the Agreement shall constitute a default. The
prorated amount of the principal balance of the Deferred Payment Loan
that is remaining to be paid at the time of the default shall be payable, in
full, to the City of Tamarac SHIP program.
Recipient Selection Criteria:
i. Eligible homeowners will be selected on a first -come, first -
ready basis, within income groups from all eligible applicants.
Special needs eligible applicants; as defined in 67-37.002(13),
F.A.C., will be given first priority by household income level in
the following order: extremely low-income, very low-income,
low-income, and moderate -income levels.
ii. Property must be owner -occupied.
iii. Verification of ownership, income, and other income qualifying
verifications will be conducted to determine eligibility.
g. Sponsor Selection Criteria:
No sponsors are utilized for this strategy. All work conducted in-
house.
h. Additional Information:
Priority to be given to special needs groups including, but not limited
to the elderly and disabled.
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City of Tamarac
SHIP Program
LHAP FY 2007-2009
1St Amendment — March 2008
III. LHAP INCENTIVE STRATEGIES
Section 420.9071(16) and Section 420.9076(6)), F. S.
A. Name of Strategy 1: Expedited Permitting
a. Permits as defined in s. 163.3164(7) and (8) for affordable housing
projects are expedited to a greater degree than other projects.
b. The City expedites the processing of affordable housing permits
through a pre -application conference and screening.
C. Affordable housing projects are identified by sales price consistent
with the SHIP program's housing value limits.
d. The Building and Community Development Departments have
employees that serve as liaisons with developers of affordable
housing to assist in the permit process.
e. Affordable housing projects are stamped "Expedited".
B. Name of Strategy 2: On -going Review Process
a. 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.
b. 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 housing costs.
C. 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.
C. Name of Strategy 3: Zero Lot Line Development
a. The City allows zero lot line development.
b. Zero lot lines maximize available land for affordable housing and help
maintain affordable housing costs within the City.
IV. EXHIBITS:
A. Administrative Budget for each fiscal year covered in the Plan.
B. Timeline for Encumbrance and Expenditure: Chapter67-37.005, F.A.C.
C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year
Covered in the Plan: Chapter 67-37.005, F.A.C.
D. Certification Page: Chapter67-37.005, F.A.C.
E. Adopting Resolution: Section 420.9072, F.S.
F. Program Information Sheet:
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