R06-167
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1 RESOLUTION R06- Ib 7
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3 A RESOLUTION OF THE CITY OF BOYNTON
4 BEACH, FLORIDA, APPROVING THE CHANGES
5 TO THE CITY OF BOYNTON BEACH'S
6 HURRICANE HOUSING RECOVERY PROGRAM'S
7 HURRICANE HOUSING ASSISTANCE PLAN
8 (HHAP); AND PROVIDING AN EFFECTIVE DATE.
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11 WHEREAS, the Hurricane Housing Assistance Plan was written and submitted
12 for approval in the aftermath of Hurricanes Frances and Jeanne in 2004; and
13 WHEREAS, after Hurricane Wilma, the cost of construction materials (including
14 hurricane prevention such as shutters and windows) significantly increased so that the cap
15 of $5,000.00 in no longer sufficient to allow for complete shutter protection for most
houses; and
WHEREAS, upon the recommendation of staff, the City Commission deems it to
be in the best interests, safety and welfare of the citizens and residents of the City of
19 Boynton Beach to approve the changes to the City of Boynton Beach's Hurricane Housing
20 Recovery Program's Hurricane Housing Assistance Plan (HHAP).
21 NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION
22 OF THE CITY OF BOYNTON BEACH, FLORIDA, THAT:
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Section 1.
The foregoing "Whereas" clauses are true and correct and are
24 hereby ratified and confirmed by the City Commission.
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Section 2.
The City Commission of the City of Boynton Beach, Florida,
26 hereby approve the changes to the City of Boynton Beach's Hurricane Housing Recovery
27 Program's Hurricane Housing Assistance Plan (HHAP), namely increasing the subsidy of
28 the disaster prevention strategy from $5,000.00 to $10,000.00.
S:\CA \RESO\Hurricane Housing Assistance Plan ( 5 - 1O).doc
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Section 3.
This Resolution shall become effective immediately upon passage.
PASSED AND ADOPTED this 3 day of October, 2006.
CITY OF BOYNTON BEACH, FLORIDA
ATTEST:
c:
Commissioner - Muir
S:\CA \RESO\Hurricane Housing Assistance Plan ( 5 - 1O).doc
CITY OF BOYNTON BEACH
HURRICANE HOUSING RECOVERY (HHR) PROGRAM
HURRICANE HOUSING ASSISTANCE PLAN
HHAP for State Fiscal Years
2005/2006,2006/2007, and 2007/2008
City of Boynton Beach
Hurricane Housing Recovery (HHR) Program
Hurricane Housing Assistance Plan
1. PROGRAM DESCRIPTION
A. Palm Beach County
1. Base Allocation Request - $1,000,000.00
2. Extremely Low Income Request
3. Community Planning Request - City of Boynton Beach
4. Name of participating local government(s) or 9ther agencies in the
Community Planning Strategy- Palm Beach County, City of Boynton
Beach; City of Delray Beach, City of West Palm Beach
II. HHAP HOUSING STRATEGIES
A. Owner-Occupied Housing Rehabilitation
1. Summarv of the Strateav: This strategy provides 0% interest rate,
deferred payment loans to assist very low, low, and moderate- income
households to rehabilitate owner occupied single family units. This
strategy furthers the City's Housing Element of its Comprehensive Plan
by preserving the City's existing housing stock. Areas to be addressed
will be interior and exterior building/electrical/plumbing problems in an
effort to make them compatible with to current codes. Emphasis will
also be placed on health, potential life threatening safety issues, as
well as retrofitting items for those individuals with special needs.
1. Fiscal vears covered: State Fiscal Years 2005/2006; 2006/2007; and
2007/2008.
2. Income Cateaories to be served: Very low, low, and moderate income
households as defined by the U. S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and
distributed annually by the Florida Housing Finance Corporation.
3. Maximum award as noted on the Hurricane Housina Goals Chart: The
maximum award for this strategy is $40,000.00. However, the
maximum amount is not automatically awarded, but rather the subSidy
awarded will be the minimum amount required to make necessary
repairs to bring the dwelling into compliance with the City's current
code requirements.
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Household Size Very low-Income low-Income Moderate-Income
# of Persons o - 50% of Median 51% - 80% of Median 81% -120% of Median
Maximum Award $40,000 $40,000 $20,000
1 $22,000 $35,150 $52,800
2 $25,100 $40,200 $60,240
3 $28,250 $45,200 $67,800
4 $31,400 $50,250 $75,360
5 $33,900 $54,250 $81,360
6 $36,400 $58,300 $87,360
7 $38,950 $62,300 $93,480
8 $41A50 $66,300 $99,480
4. Terms. Recaoture. and Default: Assistance greater than $5,000
provided to eligible households in the form of a 0% interest, deferred
payment loan secured by a promissory note forgivable over ten (10)
years. Prorating of the loan award will occur at a rate specific to the
duration of the note. Repayment of the full loan award will be
immediately due to the City in the event any of the "qualifying events"
occur prior to the expiration date of the note. The "qualifying
event(s)" are considered to be:
· Sale of the unit, or transfer of title (except for major healthcare
expenses by one of the primary owners or by inheritance)
· The assisted homeowner fails to continuously occupy the home
· The unit is rented
· The unit is refinanced without prior authorization of the City of
Boynton Beach
Repaid funds will be utilized in accordance with the approved
Hurricane Housing Assistance Plan in effect at the time the funds are
recaptured. If no "qualifying event(s)" occur prior to the expiration of
the note, the loan is totally forgiven. In the event the homeowner
wishes to refinance his or her first mortgage or take out an equity loan
to make repairs or improvements, the City has developed an
administrative policy pertaining to subordination requests.
5. Recioient Selection Criteria: In addition to being income eligible as
described above, applicants must meet the following selection criteria:
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· Applicant may not currently own or have assets exceeding $15,000,
(monetary gifts and real estate are included in the asset calculations;
retirement accounts are not); this does not include the value of the
dwelling being rehabilitated;
· The dwelling must be owner occupied;
· Mortgage payments and taxes must be current / paid up to date; and
· Applicant must have proof of current homeowners insurance.
6. Soonsor Selection Criteria. if aoolicable: N/A.
7. Additional Information: The home must be located within the City's
municipal boundaries. The appraised value of the home may not
exceed the maximum sales price allowed by the HHR program for
existing units. The homeowner must agree to maintain the home free
of any code violations after rehabilitation work is completed.
B. Rental Acquisition & Rehabilitation
1. Summary of the Strateav: This strategy is designed to provide financial
assistance to developers and owners of rental housing serving very
low, and low- income households. HHRP funds may be used for
acquisition, site development, infrastructure improvements,
rehabilitation, impact fees, construction costs, and for professional fees
such as engineering, architectural, environmental and surveying. HHRP
funds may not be used to pay rental subsidies. All HHRP assisted units
must be occupied by income eligible families.
2. Fiscal vears covered: State Fiscal Years 2005/2006; 2006/2007; and
2007/2008.
3. Income Cateaories to be served: Very low, and low- income
households as defined by the U. S. Department of Housing and Urban
Development (HUD) and adopted annually by the Florida Housing
Finance Corporation.
4. Maximum award as noted on the Hurricane Housina Goals Chart: The
maximum award for this strategy is $200,000.
5. Terms. Recaoture. and Default: Assistance will be provided in the form
of a fifteen (15) year, 0% interest forgivable deferred loan in an effort
to preserve affordability. Assisted developments must commit to rent
limits as established by HUD for the term of the mortgage. The
housing must remain affordable, and income eligible persons must
occupy all HHRP assisted units during the affordability period. If the
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project ceases to remain affordable for the term of the loan, the entire
unpaid balance is due and payable.
6. Recioient Selection Criteria: Applicants will be certified as very low
and/or low income in order to be eligible, and will be served on a first
come, first served basis.
7. Soonsor Selection Criteria. if aoolicable: Developer must meet the
following selection criteria:
· Designated 501@(3) non-profit organization under IRS guidelines;
· Legally operating within the jurisdiction of the City of Boynton
Beach and/or Palm Beach County;
· Has demonstrated track record and production experience in the
construction and delivery of affordable housing, and/or has proof of
a partnership and/or contracted with person or persons with
required experience;
· Possess a partnership agreement with the City of Boynton Beach to
participate and further its goals in the delivery of affordable
housing to the City's very low and low-income households;
· Preference will be given to sponsors that employ personnel from
WAGES and Workforce Development Initiatives programs;
· Developer may be selected from a competitive bid process; and
· Preference will be given to developers with projects designated to
the elderly, and/or citizens with special needs.
8. Additional Information: N/A
C. Land Acquisition
1. Summarv of the Strategy: This strategy will provide funds to acquire
properties for future development by non-profit and public agencies.
Properties will be acquired through deed and tax sales, foreclosure of
government liens, and through private purchases. Properties will be
donated to non-profit agencies that will access the City of Boynton
Beach's HHR Program for the development of the property.
2. Fiscal Years Covered: State fiscal vears 2005/2006: 2006/2007: and
2007/2008.
3. Income Categories to be served: Very low, low, and moderate income
households as defined by the U.s. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and
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distributed annually by Florida Housing Finance Corporation for use in
the HHR Program.
4. Maximum award as noted on the Hurricane Housing Goals Chart: The
maximum purchase price for a buildable lot of record will be
determined by the appraised value at the time of purchase.
5. Terms. Recaoture and Default: The loan for the value of the land will
be a 0% interest rate. The loan will be recaptured when the property
is sold.
6. Recioient Selection Criteria: Applicants must be income eligible with
incomes between zero and 120% of median income as provided by the
U S Department of Housing and Urban Development and adopted by
the State of Florida and distributed annually by Florida Housing
Finance Corporation. Applicants must meet the following criteria:
. Must be first time homebuyer(s), which is defined as
./ Someone who has not owned a home during the previous three
years
./ A divorced single parent who has been displaced within the 12
months prior to the time of application, and whose
household includes children under the age of 18.
./ Displaced homeowners due to divorce, purchasing within
incorporated Boynton Beach city limits.
./ A displaced victim of domestic abuse
./ A person displaced as a result of a government action (other
than eviction from public housing; and those who have special
needs according to Chapter 67.37.002(13)
. Applicant must have an accepted contract for a home, and have
applied for a first mortgage with an approved lender
. The applicant must have attended and completed an approved
home buyer education course approved by the Community
Improvement Division
7. Soonsor Selection Criteria: Eligible sponsors must meet the same
criteria as outlined under Strategy B, Rental Acquisition and
Rehabilitation.
8. Additional Information: N/A.
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D. Disaster Prevention
1. Summarv of the Strategy: The purpose of this strategy is to provide
Florida Product Approved hurricane panels to very low, low and
moderate income households who currently do not have any, and
replacement of awnings that are not suitable to current City of Boynton
Beach codes.
2. Fiscal Years Covered: State Fiscal Years 2005/2006; 2006/2007, and
2007/2008.
3. Income Categories to be served: Very low, low, and moderate income
households as defined by the U.S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed
by the Florida Housing Finance Corporation for use in the HHR Program.
4. Maximum award as noted on Hurricane Housina Goals Chart: The
maximum award for this strategy is $5,999 $10.000 per unit.
5. Terms. Recaoture and Default: Assistance will be provided in the form of
a grant as the price is expected not to exceed the $5,900 $10.000
threshold. Therefore, individual households will not be required to repay
funds used for hurricane disaster prevention assistance.
6. Recipient Selection Criteria: In addition to being income eligible as
described above, applicants will be served on a first-come, first served
basis as long as funding is available. The residence must be located
within the municipal boundaries of Boynton Beach.
7. Soonsor Selection Criteria: N/A
8. Additional Information: Elderly applicants, and applicants who may be
physically challenged will be allowed to obtain accordion awnings in order
to alleviate the possibility of having to incur costs to have protection put in
placed during the event of pending hurricanes. Otherwise, aluminum
storm panels will be installed.
E. Disaster Relief
1. Summary of the Strategv: In the event of a natural disaster as declared
by local, state, or federal government, HHRP funds will be used to
leverage available federal and state funds to provide assistance to income
eligible households for the purpose of repairing eligible housing.
Assistance will be in the form of the purchase of emergency supplies for
the purpose of weatherproofing damaged homes, interim repairs to avoid
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further damage, tree and debris removal required to make the housing
unit habitable, and post disaster assistance with non-insured repairs.
2. Fiscal Years Covered: State Fiscal Years 2005/2006; 2006/2007; and
2007/2008.
3. Income Cateaories to be served: Very low, low, and moderate income
households as defined by the U. S. Department of Housing and Urban
Development (HUD) and adopted by the State of Florida and distributed b
the Florida Housing Finance Corporation for use in the HHR Program.
4. Maximum award as noted on the Hurricane Housing Goals Chart: The
maximum award for this strategy is $8,000 per unit.
5. Terms. Recaoture and Default: Individual households will not be required
to repay funds used for disaster assistance as they will be in the form of a
grant. In the event the City of Boynton Beach receives reimbursement
from federal or state sources, such repair funds will be utilized in
accordance with the approved Hurricane Housing Assistance Plan in effect
at the time the funds are disbursed.
6. Recioient Selection Criteria: In addition to being income eligible as
described above, applicants will be served on a first-come, first-serve
basis, pending fund availability. Residence must be located within the
municipal boundaries of Boynton Beach.
7. Soonsor Selection Criteria: N/ A
8. Additional Information: This strategy will be implemented only in the
event of a natural disaster, using any HHRP funds that have not been
encumbered.
III. EXTREMELY LOW INCOME STRATEGY
A. Strategies from the Section II to be included to serve X-Low Income
All strategies in section II will be available to extremely low- income
persons.
B. Recipient Selection Criteria
Selection criteria to be used will be that as stated in Section 11.
C. Additional information: N/A
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IV. COMMUNITY PLANNING STRATEGY
A. Summary of the Strategy (including roles of the organizations involved)
The City of Boynton Beach met formally on several occasions with Palm
Beach County Department of Housing and Community Development, and the
City of Delray Beach to discuss the various strategies available for this plan.
Present also was staff from the Florida Housing Finance Corporation who
provided technical assistance. Topics of discussion included the amount of
funding available and the needs of our various communities, which ultimately
helped to determine the funding required.
B. Strateaies from Section II to be included in Community Collaborations
All strategies from Section II were included in the Community Collaborations.
V. ADMINISTRATIVE BUDGET
A. Administrative summary of expenses:
Up to 15% of the allocation may be used for administrative expenses relating
to direct program administration as shown below:
Fiscal Year 2005/2006
Salaries and Benefits $140,400
Office Supplies and Equipment $ 2,100
$ 4,500
$ 3,000
$ N/A
TOTAL 150 000
V1. OUTSTANDING COMPLIANCE ISSUES WITH THE HHR PROGRAM & HOW THOSE
ISSUES ARE CURRENTLY BEING ADDRESSED
There are no outstanding compliance issues.
VII. EXHIBITS
A. Hurricane Housing Goals Chart (HHGC) for each fiscal year covered
B. Certification Page
C. Program Information Sheet
D. Community Planning Documentation: Letters, resolutions, or interlocal
agreements detailing the community planning agreement
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