PLEASE NOTE ALL CLIENTS MUST HAVE AN APPOINTMENT IN ORDER TO BE ASSISTED:

CHANGES TO THE FOLLOWING PHONE NUMBERS FOR THE LISTED COUNTY DEPARTMENTS:

VETERAN SERVICE OFFICE:
PHONE NUMBER IS (850) 229-6125

SHIP/HHRP: PHONE NUMBER IS (850) 227-2382.



Please click the following link in order to register for the SFY 2022-2023 SHIP APPLICATION: https://portal.neighborlysoftware.com/ARPC/Participant


HHRP Round 2 SFY2020-21 Application, Phase II

2021-22 S.H.I.P. FUNDING APPLICATION


HAVE YOU HEARD ABOUT OUR S.H.I.P. PROGRAM?
THIS PROGRAM PROVIDES FUNDING FOR PURCHASE ASSISTANCE OR REHABILITATION TO EXISTING HOMES. You must own your home, be income eligible and the program has other items that we must meet such as set aside amounts, assisting special needs applicants, construction, mobile home limits, and home ownership.

HAVE YOU HEARD ABOUT OUR H.H.R.P. PROGRAM?
THIS PROGRAM PROVIDES PURCHASE ASSISTANCE FUNDING TO THOSE WHO WERE RESIDENTS AS OF 10/10/2018, THE DATE OF HURRICANE MICHAEL. In order to qualify, you must be income eligible, meet set aside amounts, assisting special needs applicants and priority applicants, construction, mobile home limits, and home ownership are required. The maximum purchase price of a home is $255,000.00.

DO YOU WANT TO APPLY?

THESE PROGRAMS REQUIRE A 30 DAY ADVERTISEMENT PERIOD. ONCE WE HAVE COMPLETED THAT ADVERTISEMENT PERIOD, WE WILL TAKE APPLICATIONS UNTIL FUNDING HAS BEEN SPENT.

LOCATIONS WHERE YOU CAN GET APPLICATIONS, WHEN AND WHERE TO TURN THE APPLICATIONS IN, WHAT IS REQUIRED TO COMPLETE THE APPLICATION AND HOW THE PROGRAM WILL SELECT APPLICATIONS FOR FUNDING, WILL ALL BE DISCUSSED IN THE ADVERTISEMENT.

APPLICATIONS WILL BE ON THIS WEBPAGE WHEN AVAILABLE.


If you need affordable housing, you can go here www.gatewayofstjoe.com

If you have any issues with your housing at Gateway Homes, please contact the following personnel: Julie Pruitt or Mary Finney: (850) 227-1350 or (850) 215-8966. If resolution to your issues do not get resolved, please contact Lori Bobier at [email protected]
                          



State Housing Initiatives Partnership (SHIP) Program

Creation of Program
The State Housing Initiatives Partnership (SHIP) Program is the centerpiece of the William E. Sadowski Affordable Housing Act, passed in 1992. SHIP was created to provide funds to local governments as an incentive for the creation of public/private partnerships for the production of affordable housing. The SHIP Program channels a portion of Documentary (DOC) Stamp proceeds from real estate transfers directly to local governments, enabling local governments to address the needs identified in their local comprehensive plan housing elements with locally designed SHIP strategies.

2017-18 SHIP Annual Report
2019-20 SHIP Annual Report
2019-20 HHRP Annual Report
2020-21 HHRP Annual Report
2020-21 SHIP Annual Report
2022-23 HHRP Annual Report - Round 1
2022-23 HHRP Annual Report - Round 2

This annual reports of the Gulf County SHIP program are available above for review. Any comments should be directed to [email protected]v
           

Frequently Asked Questions

Q: When are applications available?
A: Normally applications are available in the month of July after the 30 days of advertising has been accomplished.

Q: What are the income requirements for the program?
A: Income guidelines are furnished by the State of Florida each March. These guidelines include income limits for families in size from one to eight members.

Q: What income is counted?
A: Gross Annual Income (before taxes) of all adult members (18 years and older) of the household.

Q: Do certificates of deposit, other land owned, savings accounts, etc., count toward total family income?
A: Yes, all assets count toward the family income.

Q: How many times may one apply for assistance through this program?
A: As many times as one wishes; however, once selected and provided funds, the family is no longer eligible for further assistance.

Q: Can other program funds (rural development, etc.) be used in conjunction with SHIP funds to purchase a home?
A: Yes.

Q: Can owner financing work with this program?
A: No.

Q: Can one receive funds to rehabilitate their home if they have "an agreement for deed" through owner financing of their home?
A: No, the applicant must have a mortgage or deed to their home.

Q: How long is the mortgage for SHIP funds to purchase or build a home?
A: The mortgage is forgiven for this type of loan after 10 years. The mortgage is repayable only when the home ceases to be the primary residence of the applicant. Repayment is interest free! The principal amount is reduced by 10% each year.

Q: What about mortgages for rehabilitation assistance?
A: The mortgage for rehabilitation assistance is for 10 years, provided the applicant resides in the home for the full period. If the applicant moves, sells or otherwise ceases to use the home as their primary residence, then the mortgage is due and payable with no interest due.

Q: Can a person(s) make application even though they live together but are not married?
A: Yes, however, both must sign the mortgage and both incomes are counted for verification and approval.

Q: How long does it take to get approved to build or buy a home through the purchase assistance program?
A: Everything depends on verification of income, commitment from a seller/contractor, and bank approval for the loan.


Non-Discrimination Policy

Questions concerning the
Gulf County SHIP Program

may be directed to:
 
Lynn Lanier
Ship Administrator
Rm 311
(PLEASE CALL FOR AN APPOINTMENT)

(850) 227-2382 Phone

(850) 229-7180 Fax

EMAIL: 
[email protected]