*** Due to a miscommunication in our office, please note that in order to protect the fairness of the application process, applications for the 2019-2020 year remaining funding will not be posted on the website until 8:00 a.m., E.T. on Thursday, August 18, 2022.” We apologize for any inconvenience.


Thank you ***



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

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

SHIP APPLICATION CHECKLIST - REHABILITATION
APPLICATION FOR SHIP HOUSING ASSISTANCE
SHIP APPLICATION CHECKLIST PURCHASE ASSISTANCE
 


ATTENTION RESIDENTS OF
GULF COUNTY, FLORIDA
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) FUNDING


Gulf County has as a small amount of remaining funds from 2019-2020 funding year, Florida Housing Finance Corporation SHIP funds to provide Housing Rehabilitation and Purchase assistance, for approved Very Low-income single-family housing units, in Gulf County. Applications for the SHIP Program WILL be made available on 18 August 2022 starting at 8:00am EST at the office listed below. For additional information or to see if you qualify in the Very Low category contact Joe Paul or Lynn Lanier at (850)229-6125. If you are unable to come to the office, the SHIP applications will be available here. The hours of operation for our offices are Monday-Thursday, 7:00 a.m.-5:30 p.m., E.T. For additional information regarding the County’s SHIP Program, please contact Joe Paul or Lynn Lanier at (850) 229-6125. Applications will be accepted for 2019-2020 funding until all funds are expended.

Robert Moore Administration Building, Room 311
1000 Cecil G. Costin, Sr. Boulevard
Port St. Joe, FL 32456

Upon completion, applications must be submitted to Lynn Lanier, at the Robert Moore Administration Building, 1000 Cecil G. Costin, Sr. Boulevard, Port St. Joe, FL 32456. Completed S.H.I.P. applications may be submitted from 18 August 2022 until all funds are expended. Only completed applications will be accepted.
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Gulf County is an Equal Opportunity Employer, Handicapped Accessible and Fair Housing Jurisdiction.



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.

DO YOU WANT TO APPLY?

THIS PROGRAM REQUIRES A 30 DAY ADVERTISEMENT PERIOD. ONCE WE HAVE COMPLETED THAT ADVERTISEMENT PERIOD, WE WILL TAKE APPLICATIONS FOR A CERTAIN AMOUNT OF TIME.

THAT TIME FRAME, LOCATION ON 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.



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.

Questions concerning the
Gulf County SHIP Program

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

(850) 229-6125 Phone

(850) 229-7180 Fax

EMAIL: 
[email protected]