HomeMy WebLinkAboutCity of Tamarac Resolution R-2001-0631
February 27, 2001 - Temp Reso #9270 1
Revision No. 1 - March 21, 2001
CITY OF TAMARAC, FLORIDA
RESOLUTION NO. R-200143
A RESOLUTION OF THE CITY COMMISSION OF
THE CITY OF TAMARAC, FLORIDA,
AUTHORIZING THE APPROPRIATE CITY
OFFICIALS TO APPROVE THE LOCAL
HOUSING ASSISTANCE PLAN (LHAP) FOR THE
PROGRAM YEARS 2001-2002, 2002-2003 AND
2003-2004 TO BE SUBMITTED AS A REQUIRED
COMPONENT OF THE STATE HOUSING
INITIATIVES PARTNERSHIP (SHIP) ACT GRANT
PROGRAM; PROVIDING FOR CERTIFICATION
OF CONSISTENCY WITH THE CITY'S
COMPREHENSIVE PLAN; PROVIDING FOR
EXPENDITURES FOR ADMINISTRATION OF
THE PROGRAM; PROVIDING FOR
ESTABLISHMENT OF COSTS FOR
IMPLEMENTATION; CASE NO. 10-MI-01;
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 (SHIP) Act, became a direct
entitlement City receiving grant funding on July 1998; and
WHEREAS, pursuant to the SHIP Grant application requirements, the City
Commission of the City of Tamarac adopted a Local Housing Assistance Plan (LHAP)
which detailed the housing programs the City would implement; and
WHEREAS, the Local Housing Assistance Plan is only valid for a period of three (3)
years and is required to be renewed and submitted to the State of Florida for continued
February 27, 2001 - Temp Reso #9270 2
Revision No. 1 - March 21, 2001
grant participation at the end of the third year; and
WHEREAS, the State Housing Initiatives Partnership Act ("ACT") does provide for a
percentage of the grant allocation not to exceed ten (10%) percent for administrative costs;
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 as necessary, appropriate and practical shall be addressed by the City's
Comprehensive Amendment process; and
WHEREAS, the Director of Community Development recommends approval of the
new Local Housing Assistance Plan (LHAP) which details the Housing Programs the City
shall implement and administer for the three (3) year period of 2001-2002, 2002-2003 and
2003-2004; 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 authorize the
appropriate City Officials to approve the Local Housing Assistance Plan (LHAP) for the
Program Years 2001-2002, 2002-2003 and 2003-2004 to be submitted as a required
component of the State Housing Initiatives Partnership (SHIP) Act grant program prepared
pursuant to the State Housing Initiatives Partnership (SHIP) Act requirements.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE
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February 27, 2001 - Temp Reso #9270 3
Revision No. 1 — March 21, 2001
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 authorizes the appropriate
City Officials to approve the Local Housing Assistance Plan (LHAP) for the Program Years
2001-2002, 2002-2003 and 2003-2004 (attached hereto as Exhibit "A") to be submitted as
a required component of the State Housing Initiatives Partnership (SHIP) Act grant
program prepared pursuant to the State Housing Initiatives Partnership (SHIP) Act
requirements.
SECTION 3: The City Commission hereby finds, declares and certifies that
the Local Housing Assistance Plan is consistent with the City of Tamarac's adopted
Comprehensive Plan, or will be addressed, as necessary and appropriate, by the City's
Comprehensive Plan amendment process as soon as practicable.
SECTION 4: The City Commission hereby finds that the cost of administering
the Local Housing Assistance Program (PROGRAM) shall exceed five (5%) percent of
local housing grant distribution. Pursuant to the "ACT", the City hereby authorizes
February 27, 2001 - Temp Reso #9270 4
Revision No. 1 - March 21, 2001
expenditures of no more than ten (10%) percent of the Local Housing Assistance grant
distribution to be utilized for administration and implementation of the PROGRAM.
SECTION 5: Pursuant to the "ACT', the City hereby establishes the following
costs for use in the implementation of the PROGRAM within the City:
PROGRAM
MAXIMUM UNIT COST
AVERAGE UNIT COST
MINOR HOME REPAIR
WEATHERIZATION
$15,000.00
$15,000.00
PURCHASE ASSISTANCE
Very Low Income
$10,000.00
$10,000.00
Low Income
$ 8,000.00
$ 8,000.00
Moderate Income
$ 6,000.00
$ 6,000.00
EMERGENCY REPAIR
$ 4,000.00
$ 4,000.00
SECTION 6: All resolutions or parts of resolutions in conflict herewith are
hereby repealed to the extent of such conflict.
SECTION 7: 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.
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SECTION 8:
passage and adoption.
February 27, 2001 - Temp Reso #9270 5
Revision No. 1 - March 21, 2001
This Resolution shall become effective immediately upon its
PASSED, ADOPTED AND APPROVED this 281" day of March, 2001.
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ATTEST:
i
MARIOK SWENSON, CMC
CITY CLERK
I HEREBY CERTIFY that I have
roved this RESOLUTION a
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MITCHELL S. KW
CITY ATTORNEY
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JOE SCHREIBER
MAYOR
RECORD OF COMMISSION VOTE:
MAYOR SCHREIBER
DIST 1: COMM. PORTNER
DIST 2: COMM. MISHKIN _
DIST 3: V/M SULTANOF _
DIST 4: COMM. ROBERTS
EXHIBIT "A" TEMP RESO #9270
CITY OF TAMARAC
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP)
LOCAL HOUSING ASSISTANCE PLAN
FOR THE STATE OF FLORIDA
FISCAL YEARS JU LY 1, 2001 THROUGH DUNE 309 2004
Submission Date
May 2001
City of Tamarac
7525 N.W. 88th Avenue
Tamarac, Florida 33321
(954)724-1285
Prepared By:
CONSULTANTS:
Community Redevelopment Associates of Florida, Inc.
10221 Tat Street, Suite 2
Pembroke Pines Florida 33026-2841
City of Tamarac Local .Housing Partnership
State Housing Initiatives Partnership (SHIP) Program
2001-2002 through 2003-2004 Local Housing Assistance Plan
TABLE OF CONTENTS
Transmittal Letter
Program Information Sheet
Part Background.........................................................1
A. Introduction...........................................................1
B. Fiscal Years Covered ..................................................... .
C. State Housing Initiatives Partnership Act Overview ............................. 1
D. City of Tamarac Local Housing Assistance Program Description ......... . ......... 1
E. Local Housing Assistance Plan Overview .......... . . ... . ..................... 2
F. Plan Development Process ......................... I ................ I ..... 3
Part Il. Local Housing Assistance Program ...................................... 4
A. Overview.............................................................4
B. Program Implementation ....................................... . ......... 4
C. General Program Requirements ..... _ . ....... ..................... . ...S
.....
D. Homeownership Activities ............................................... 10
E. Housing Incentives......................................................14
Part HI. Timeline for Expenditures
Part IV. housing Delivery Goals
Part V. Ordinance
Part VI. Adopting Resolutions
Part VII. Certification
Part VHI. Attachments
A. Administrative Budget
PART I. BACKGROUND
A. Introduction
The challenge of providing affordable housing to all families and individuals in the City of Tamarac
is on going. The people who need affordable housing are the people who make the City of Tamarac
communities function. Teachers, government workers, nurses, police officers, retail and service
industry employees are among those who need quality, affordable housing.
As noted by the South Florida Regional Planning Council, ensuring the adequacy and affordability
of housing is crucial in achieving a liveable, sustainable and economically competitive community.
To that end, the City Commissioners for the City of Tamarac have formed the Local Housing
Assistance Program to create affordable housing opportunities for very low-income, low-income, and
moderate -income households through the production, acquisition, and rehabilitation of affordable
housing funds provided through the State Housing Initiatives Partnership Program (SHIP),
Community Development Block Grant (CDBG), and Home ownership and Home Rental (HOME).
B. Fiscal Years Covered by the Plan: This Local Housing Assistance Plan allocates SHIP funds for
State fiscal years (FY) 2001-2002 through 2003-2004.
C. State Housing Initiatives Partnership Program (SHIP)
On July 1, 1992, the State Legislature, following the recommendations made by the Governor's Ad
Hoc Work Group on affordable housing, signed the William E. Sadowski Affordable Housing Act
into law. This legislation established a dedicated funding source for eligible local governments to
expand the production and preservation of affordable housing.
An innovative feature of the Sadowski Act is the State Housing Initiatives Partnership Program
(SHIP). SHIP provides funds to local governments for implementing locally -designed affordable
housing strategies and encouraging the creation ofpartnerships to conserve, improve or provide new
housing for very low, low and moderate -income persons.
D. Program Description
The 2001-2002, 2002-2003, and 2003-2004 Local Housing Assistance Plan implements the local
housing partnership and represents a cooperative effort between the City of Tamarac, lenders,
developers, and nonprofit organizations to produce affordable housing, combine resources, reduce
housing costs and provide related services. In the implementation of the approved strategies,
whenever possible, a partnership process will be used.
The partnership process enhances the development of affordable housing by combining the strengths
of public, private, and nonprofit organizations. The City brings regulatory reforms, subsidies, and
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innovative financing into the affordable housing development process. Private developers and lending
institutions, bring financial expertise, home training workshops, post -closing follow-up, building
experience, and contacts in the housing industry. Nonprofit organizations generate community
support, help lower development costs, and stimulate neighborhood pride.
Strategies, such as Minor Home Repair Program, represent a partnership between area residents and
the City of Tamarac. Minor Home Repair Program will compliment current City services such as
upgrading water supply systems; improving drainage; new road paving, sodding, and landscaping.
The introduction of high -quality, affordable housing units will greatly improve the quality of life for
neighborhood residents.
In the summer of 2000, a citizens advisory committee met to solicit input in preparing the new
Tamarac five-year Consolidated Plan. The committee conducted several meetings and received input
from numerous individuals and organizations representing housing, non-profit organizations, and low-
income advocates. The information from the public input, and the updated census data, was used to
identify the needs, goals and objectives for the City and how SHIP, CDBG and HOME funds could
be used to meet these public needs. The City Commissioners have reviewed and adopted by
Resolution the Consolidated Plan as well as the recommendations on the use of state and federal
funds. The SHIP plan is consistent with the Consolidated Plan.
E. Local Housing Assistance Plan Overview
In keeping with the intent of the Sadowski Act and the requirements of the SHIP Program, the
following is the three year Local Housing Assistance Plan adopted by the City of Tamarac Local
Housing Assistance Program. This LHAP was created in accordance with Florida Statutes Chapter
ss. 420.907and Chapter 67-37 of the Florida Administrative Code and local ordinances.
The goals of the LHAP are:
To increase the availability of affordable housing by combining local resources and
cost saving measures using a local housing partnership and by using private and public
funds to reduce the cost of housing.
To promote more compact urban development, and to assist in achieving the growth
management goals contained in the adopted local comprehensive plan by allowing
more efficient use of land so as to provide housing units that are more affordable.
To establish a strong sense of community through increased social and
economic integration.
To build the organizational and technical capacity of community -based organizations
so as to optimize the role of community -based organizations in the production of
affordable housing.
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To promote the innovative design of eligible housing, and its supporting
infrastructure, and to provide for cost savings in the provision of such housing.
F. Plan Development Process I Partnerships
Community Redevelopment Associates of Florida, Inc. (CRA) coordinated the development of the
LHAP with input from local partnerships. Partnerships exist with local lenders, builders, non-profit
agencies, Realtors, and affordable housing advocates.
Additionally, comments from concerned parties were received and also considered in the LHAP
development process.
The local partnership has used SHIP funds to reduce the cost of housing by making loans at below
market rate.
PART H. LOCAL HOUSING ASSISTANCE PROGRAM
A. Local Housing Assistance Program Overview
The following section describes the housing construction, rehabilitation, repair and finance activities
adopted by the City of Tamarac Local Housing Assistance Partnership using SHIP program
allocations and other funds deposited into the local housing assistance trust fund to make affordable
residential units available to eligible persons. This program expands or preserves existing housing
stock and creates new affordable housing opportunities through financing for construction of
affordable housing, home purchase loans, counseling, rehabilitation, land acquisition, and housing for
people with special needs.
The availability of the SHIP program will be advertised in newspapers of general circulations as well
as community newspapers. Clients will be referred to the program from a variety of sources, including
staff outreach, community groups, investor's meetings, and public advertisement. Flyers and
brochures will be distributed in the community and local community groups will be contacted. In
addition, City employees will also disseminate information.
Supportive services to be provided under the program to all eligible participants include referral to
other community resources, counseling on housing rights and responsibilities, mortgage default
counseling, money management, home management, and property care and maintenance.
The targeted populations to receive assistance are those persons or families whose incomes do not
exceed 50% of the median income adjusted for family size (very low-income), those whose incomes
do not exceed 80% of the median income adjusted for family size (low-income), and those whose
incomes do not exceed 120% of the median income adjusted for family size (moderate -income).
Priority is given to the affordable housing needs of very low-income persons. At least 30 percent of
the local housing distribution funds deposited into the local housing assistance trust fund must be
reserved for awards to very -low-income persons or eligible sponsors who will serve very -low-income
persons and at least an additional 30 percent of the local housing distribution funds deposited into the
local housing assistance trust fund must be reserved for awards to low-income persons or eligible
sponsors who will serve low-income persons. The remainder may be reserved for Eligible Persons
or eligible sponsors that will serve eligible persons.
B. Program Implementation
Community Redevelopment Associates of Florida, Inc_ (CRA) is responsible for administering the
Local Housing Assistance Program on behalf of the City, and ensuring complete compliance with all
applicable ordinances, rules and regulations. CRA will qualify clients and deliver program services.
Program services will include, but not be limited to, conducting client intake and assessment, as well
as implementation of SHIP strategies. The City has identified through its various public meetings and
with further input from individual residents the need for the following types of programs: Minor
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Home Repair/Weatherization, Emergency Repairs, and Purchase Assistance Programs. CRA, with
the approval ofthe City, has developed a partnership with lenders through a bank consortium to offer
special financing opportunities. The City may be able to offer matching funds from several potential
future sources such as Community Development Block Grants, HOME Grant Match, and Acquisition
& Rehabilitation, that may be leveraged with SHIP funds.
The City selected the SHIP strategies based on individual assessments of the affordable housing
needs and demands of the city. Local residents will be able to apply for the various programs at the
office of Community Redevelopment Associates of Florida, Inc. (CRA).
C. GENERAL PROGRAM REQUIREMENTS
The 2001-2002, 2002-2003 and 2003-2004 Local Housing Assistance Program is governed by the
following administrative requirements as established by Florida Statutes ss. 420.907, Chapter 67-37
of the Florida Administrative Code, local ordinances, and local comprehensive plans. The City's
purchase assistance program is available to all eligible persons. All properties receiving assistance
must be located within the incorporated areas of the city. "For income certification purposes for all
applicants that are married but separated, the City of Tamarac will count the income ofboth spouses,
unless the !qpplicant can demonstrate that the spouse is:
a. Not living at the current residence and has no intentions of living at the new residence.
b. Must have documentation showing that the spouse does not contribute to household income.
The amount of any spousal contribution to the applicant will be utilized to compute the
applicant's income.
Examples of accepted documentation could be court documentation of separation, a sworn affidavit
with both spouses signatures, five (5) to ten (10) years of federal tax showing applicant as filing
single.
1. Qualification and Selection of Applicants: The City of Tamarac has developed a
qualification system for eligible applicants and has established a maximum award schedule for each
activity consistent with the intent of the LHAP. Specific requirements are contained within each
strategy description.
2. Notice of Funding Availability: The City will advertise the availability ofthe local housing
assistance program in a newspaper of general circulation such as the Miami Herald and/or the Sun -
Sentinel and periodicals serving ethnic and diverse neighborhoods such as the Westside Gazette,
Broward Times_ and El Heraldo de Broward at least thirty days before the beginning of the
application period. The City may not advertise a strategy in which it has a waiting list.
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3. Non -Discrimination: All federal, state, and local fair housing acts and anti -discrimination
laws shall be in effect. Discrimination based on race, creed, religion, color, age, sex, marital status,
familial status, national origin, or handicap in the award or application process is prohibited.
4. Contractual Compliance with Program Requirements: As a condition of receipt of an
award, the eligible person and sponsor must contractually commit to comply with the affordable
housing criterion established under the SHIP program.
5. Long Term Rental Compliance and Monitoring: All eligible rental housing constructed,
rehabilitated, or otherwise assisted from the housing assistance program must be reserved for eligible
persons for 15 years or the term of the assistance, whichever is longer. 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 recipients. The City will annually monitor and determine
tenant eligibility for rental housing for a period of 15 years or the term of assistance, whichever
period is longer.
6. Homeownership Set -Aside Requirement: A minimum of65% of the funds made available
under the program will be reserved for providing owner -occupied housing including rehabilitation,
purchase assistance.
7. Construction Set -Aside Requirement: A minimum of 75% of program funds will be
provided for rehabilitation, or emergency repair of affordable housing.
8. Maximum Sales Prices: The sales price of new or existing eligible housing may not exceed
90% of the median area purchase price in the area as established by the U.S. Department of the
Treasury Revenue Proclamation.
Median Median
Location New Existing
Tamarac $124,187 $108,726
9. Maximum Loan Terms: Loans issued using SHIP funds may not have terms exceeding 30
years, except for deferred payment loans, which continue to serve eligible persons.
10. Recapture of Funds: All eligible owner -occupied housing constructed, rehabilitated or
otherwise assisted from proceeds provided under the program is subject to the specific recapture
requirements as established for each program.
11. Income Limits: Income limits are based upon total annual household income, adjusted for
family size as provided by HUD, and distributed annually by the Florida Housing Finance
Corporation.
12. Affordability: "Affordable" means that monthly mortgage payments, including taxes and
insurance, do not exceed 30 percent of total monthly household income. However, it is not the
intent to limit an individual household's ability to devote more than 30 percent of its income for
housing. Housing for which a household devotes more than 30 percent of its income shall be
deemed affordable if the institutional first mortgage lender is satisfied that the household can
afford a higher monthly housing debt -to -monthly income ratio.
13. Rental: Rental rates may not exceed those published by HUD, updated and distributed
annually by the Florida Housing Finance Corporation.
14. Maximum Per Unit Awards: Eligible housing benefitting from awards from the
program may not exceed those limits adopted by resolution for each activity. The amount of
assistance will be guided by the extent of rehabilitation necessary to comply with the City of
Tamarac Minimum Housing Code, construction standards, and also by the ability of the
homeowners to repay loans. The income of individual homeowners and the total monthly payment
they can afford will guide the levels of assistance provided.
Program
Tamarac
Minor Home Repair / Weatherization
$15,000.00
Purchase Assistance
VL $10,000,00
L $8,000.00
M $6,000.00
Emergency Repairs
$4,000.00
Disaster Relief
$15,000.00
15. Controlling Clause in Issues of Conflict: Projects receiving assistance from the SHIP
program and from other state or federal programs which may have conflicting verification
certification and monitoring requirements, shall comply with the requirements of the most
restrictive program.
16. Housing Counseling Training: All eligible persons receiving assistance under the
program, except where noted, will be required to complete a housing counseling program which
may address personal budgeting, home inspection and maintenance, preparation for
homeownership and other pertinent topics. Homeownership counseling will be provided by a non
profit organization, or another designated person(s). Money allocated will be used to provide
books, resource materials, etc. Topics covered will include but not limited to the following:
renting/owning terminology, real estate loans, field trip to Home Depot (do it yourself classes),
title insurance, sales contracts, home safety, credit repair/counseling, personal budgeting.
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17. Encumbrance and Expenditure Time Frames: All SHIP funds for each State Fiscal
Year will be obligated by June 30 following the end of that fiscal year. Program funds must be
expended within 24 months of the close of the applicable State fiscal year.
18. Plan Amendments: The LHAP will be amended if at any time it is determined by the City
Commission that a strategy will not be used or a new strategy required. If at any time during the
approved plan period the partnership is unable to comply with any provision of this plan, the Florida
Housing Finance Corporation will be notified.
29. Administrative Expenditures: The City of Tamarac Local Housing Partnership has
determined that five percent of the local housing distribution is insufficient to pay the necessary costs
of administering the program and has allocated no more than ten percent of the SHIP funds to be
applied towards administrative expenses.
20. Local Housing Assistance Trust Fund: 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.
21. Program Income/Recaptured Funds: ".Program Income" means the proceeds derived from
interest earned on or investment ofthe local housing distribution funds and other funds deposited into
the local housing assistance trust fund, proceeds from loan payments, and all other income derived
from use of funds deposited into the local housing assistance trust fund. It does not include
recaptured funds as defined in subsection (34).
"Recaptured funds" means funds that are recouped by a county or eligible municipality in
accordance with the recapture provisions of its local housing assistance plan pursuant to
420M75(4)(g), F.S., from eligible persons or eligible sponsors who default on the terms of a grant
award or loan award.
22. Eligible Person or Household: An eligible applicant is one or more natural persons or
families who qualifies by annual gross income and household size. For activities requiring proof of
ownership to qualify, the following types of verification may be accepted:
a)
Warranty Deed
b)
Quit -Claim Deed
c)
Long Term Lease
d)
Homestead Exemption
e)
Tax Records
f)
Life Estate
23. Eligible Housing Types: Eligible housing is any real and personal property, excluding mobile
homes, located within the municipality which is designated and intended for the primary purpose of
providing decent, safe, and sanitary residential units which are designed to meet Chapter 553, F.S.
including:
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a) Detached single-family housing
b) Condominium unit
c) Townhouse
d) Villa
e) Multi -Family Rental Units
f) Manufactured building bearing an approved device or seal issued by the State of Florida
Department of Community Affairs.
24. Special Needs Housing: Special needs persons are defined as persons who are
developmentally disabled, abused or neglected children, mentally ill, substance abusers, or
persons with HIV and/or AIDS.
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D. HOMEOWNERSHIP ACTIVITIES - STRATEGIES
. Strategy 1: OWNER OCCUPIED REHABILITATION PROGRAM
The Owner Occupied Rehabilitation Program Provides a five year deferred payment loan to owner
occupied households at or below 120% of Area Median Income adjusted for family size, to assist
them in renovating their home. The loans may be used to eliminate code violations, upgrade major
systems, make a limited amount of general property improvements and pay for soft costs.
The strategy will be funded during State Fiscal Years 2001-2002 through 2003-2004.
Qualification & Selection Criteria:
a. Eligible contractors will be selected through a bid process to perform repairs under this
program. The selection will be based on experience, past performance and financial stability.
Preference will be given to eligible contractors that employ personnel from the Wages and
Workforce Development Initiative Programs.
b. Eligible homeowners will be selected on a first come -first served basis, within income groups
from all eligible applicants, but special need population will be given first priority. All eligible
special needs applicants will be given priority by income level in the following order: very -
low, low, and moderate income levels.
c. Property must be owner -occupied.
d. Verification of ownership, Income, and payment of property taxes will be conducted to
determine eligibility.
e. The home must not be in violation of any housing codes after rehabilitation.
f. The SHIP funds may leverage funding provided by the City through the federal CDBG and
HOME program.
Repayment/Recapture terms:
1. Five-year 0% interest deferred payment loan.
2. 20% yearly loan write -down, forgiven at a rate of 20% per year for a period of 5 years.
3. Pro -rated repayment due upon sale or transfer of property within the five year loan term.
. Strategy 2: DOWN PAYMENT ASSISTANCE PROGRAM
The Down Payment Assistance Program assists eligible first-time homebuyers with a deferred
payment loan to be applied towards down payment, closing costs and/or principal reduction, and
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rehabilitation for the purchase of eligible owner -occupied housing, including single family homes,
townhouses, condominiums, or villas.
The strategy will be funded during State Fiscal Years 2001-2002 through 2003-2004.
Qualification & Selection Criteria:
a. Eligible applicants will be selected on a first come -first served basis, within income groups;
but special need population will be given first priority.
b. Certificate of homeownership counseling completion required prior to loan closing.
C. Occupants must not own any other property used for residential purposes.
d. The applicant must be a first-time homebuyer. A first-time homebuyer is defined as not
having owned a home within the past three years, a single parent with children under the age
of 18 who has recently been divorced and displaced, a displaced victim of domestic abuse or
a person displaced as a result of a governmental action.
C. The home to be purchased must be located in the City of Tamarac.
f. The purchase price ofthe home may not exceed the maximum sales price allowed in the SHIP
program.
g. The applicant must have attended and completed a 7-hour Homebuyer Education class
approved by Community Redevelopment Associates of FL., .Inc.
h. The applicant must contribute a minimum of3% of the purchase price (including prepaids)
towards the purchase of the home and must have the 3% at the time of the loan.
The applicant must reside in the home being assisted within 60 days after closing.
j. The Downpayment Assistance Program cannot be utilized when the seller of the property
provides the financing for the mortgage.
k. The lender may not charge more than 2 points for loan origination fees.
Repayment/Recapture Terms:
a. Deferred payment loans will be secured by a lien against the property purchased.
b. Five Year 01/o interest deferred payment loan with a 201/6 yearly loan write -down, forgiven
at a rate of 20% per year for a period of 5 years.
c. Pro -rated repayment due upon sale or transfer of property within the five year loan term.
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d. SHIP assisted property may be sold during the affordability period (five year loan term) with
reduced payment of the SHIP assistance required at all times during the affordability period.
. Strategy 3: EMERGENCY REPAIR PROGRAM
The Emergency Repair Program provides emergency financial assistance to eligible homeowners in
the form of a deferred loan to deal with repairs of an urgent nature, as determined by the appropriate
City department, on a case by case basis. Such cases may be minor damage caused by fires, broken
water pipes, electrical failures, gas leaks, heating and water heating system failures, sewer/sanitation
back-ups, and other repairs which are threat to life, health, and safety of the resident as a result of
unintentional and uncontrollable causes and the residence has been declared as been in violation of
applicable building and housing codes.
The strategy will be funded during State Fiscal Years 2001-2002 through 2003-2004.
Qualification & Selection Criteria:
a. Property must be owner -occupied.
b. Eligible homeowners will be selected on a first come -first served basis, within income groups
from all eligible applicants, but special need population will be given first priority. All eligible
special needs applicants will be given priority by income level in the following order: very -
low, low, and moderate income levels.
C. An eligible contractor will be selected through the competitive bid process to perform repairs.
The selection will be based on experience, past performance and financial stability. Preference
will be given to eligible contractors that employ personnel from the Wages and Workforce
Development Initiative Programs.
d. Verification of ownership, Income, and payment of property taxes will be conducted to
determine eligibility-
Repayment/Recapture Terms:
a. Five-year 0% interest deferred payment loan.
b. 20% yearly loan write -down, forgiven at a rate of 20% per year for a period of 5 years.
C. Pro -rated repayment due upon sale or transfer of property within the five-year loan term.
Strategy 4: DISASTER MITIGATION / RECOVERY
SHIP funds may be used to provide emergency repairs to very -low, low and moderate -income
households following a natural disaster as declared by the President of the United States, Governor
of the State of Florida or the City Commission of the City of Tamarac. Funds may be used for items
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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 individual 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 any funds that have not yet been encumbered.
Qualification / Criteria;
a. Funds will not be allocated to this strategy except in the case of a federal or state disaster.
b. The program will assist families at or below 120% of the Area Median Income adjusted
for family size.
C. Applications will be selected on a first -come first served basis to persons with damage
from a national or state disaster. Applications for disaster assistance will be given priority
above others on a wait list for other strategies.
d. Assistance will be provided in the form of a five year 0% interest deferred payment loan
with a 20% yearly write down, forgiven at a rate of 20% per year for a period of 5 years.
e. The SHIP funds may leverage other federal and/or state emergency programs .
f The strategy will be funded during State Fiscal Years 2001-2002 through 2003-2004.
g. Maximum award per household is $15,000,00
13
E. AFFORDABLE HOUSING INCENTIVE STRATEGIES - listed by incentive # in
City's Affordable Housing Incentives Plan (AMP)
INCENTIVE : Expedited processing of permits for Affordable Housing Projects.
The City expedites the processing of affordable housing permits through a pre -application
conference.
Affordable Housing projects are identified by sales price consistent with State's housing value
limits and target income population groups relative to the sales price. The Building and
Community Development Departments have employees as liason who serve as the consistent
contacts with developers of affordable housing. Affordable housing projects are stamped as
Expedited.
INCENTIVE : The establishment of a process by which a local government considers_ before
adoption, policies, procedures, ordinances re lations or plan provisions that have a significant
impact on the cost of housing.
The City of Tamarac currently has as part of the public participation process by the City
Commission, the consideration of the impact of any policies, procedures, ordinances, resolutions
or plan revisions on affordable housing projects. The City Commission meets twice a month
during which the public's input is sought on issues that may have an impact on the cost of
housing.
INCENTIVE : Allowance of Zero Lot Lines Configurations.
The City allows zero- lot- line development.
14
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CERTIFICATION TO
FLORIDA HOUSING FINANCE CORPORATION
Local Government:
County/City
(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 12 days after adoption.
(10) The trust fund shall be established with a qualified depository for all SHIP funds as well as
moneys generated from activities such as interest earned on loans.
(11) Amounts on deposit in the local housing assistance trust fund shall be invested as
permitted by law.
(12) The local housing assistance trust fund shall be separately stated as a special revenue fund
in the local governments audited financial statements, copies of the audits will be
forwarded to the Corporation as soon as available.
(13) An interlocal entity shall have its local housing assistance trust fund separately audited for
each state fiscal year, and the audit forwarded to the Corporation as soon as possible.
21
Page 2
Certification
(14) SHIP funds will not be pledged for debt service on bonds or as rent subsidies.
(15) Developers receiving assistance from both SHIP and the Low Income Housing Tax Credit
(LIHTC) Program shall comply with the income, affordability and other LIHTC
requirements, similarly, any units receiving assistance from other federal programs shall
comply with all Federal and SHIP program requirements.
(16) Loans shall be provided for periods not exceeding 30 years, except for deferred payment
loans or loans that extend beyond 30 years which continue to service eligible persons.
(17) Rental Units constructed or rehabilitated with SHIP funds shall be monitored at least
annually for 15 years for compliance with tenant income requirements and affordability
requirements.
Witness Chief Elected Official
aE Sc t4r e r 6 E 4 M A Ya.
Witness Type Name and Title
,�1311 61
Date
OR
Attest:
(Seal)
0A
SHIP BUDGET FOR FISCAL YEARS 2001-2002,2002-2003 & 2003-2004
TAMARAC
CHART 1
The Plan Administrative Budget
YEAR
ACCOI TNT
AMOUNT
PERCENTAGE
2001-2002
Salaries
$26,070, 60
60.00%
Marketing
$6,083.14
14.00%
Office Support
$6,952.16
16.00%
Office Equipment
$2,607.06
6.00%
Audit
$1,738,04
4.00%
Total
$43,451.00
Est. Subj. to Adjust.
2002-2003
Salaries
$34,326,29
79.00%
Marketing
$7,386,67
17.00%
Audit
$1,738.04
4.00%
Total
$43,411,00
Est. Subj. to Adjust.
2003-2004
Salaries
$34,326,29
79.00%
Marketing
$7,386.67
17.00%
Audit
$1,738,04
4.00%
Total
$43,451.00
Est. Subj. to Adjust.
23