Summary of the Strategy. The Mortgage Foreclosure Intervention Program (MFI) offers qualified homeowners an opportunity to avoid foreclosure and retain their homes. Funds will be provided to eligible homeowners to assist with bringing their mortgage payments current. Eligible expenses include, but are not limited to: delinquent mortgage payments (principal, interest, taxes and insurance), attorney’s fees, late fees and other customary fees, if applicable. Mobile homes are eligible if the residential unit meets the standards of Chapter 553, Florida Statutes for homeownership.
Summary of the Strategy. The purpose of the Purchase Assistance Program-New or Existing is to promote homeownership for first-time homebuyers. Funds are provided to assist eligible first-time homebuyers with purchasing a new or existing home (with or without rehabilitation). To qualify, applicants must be able to obtain a mortgage loan from a Purchase Assistance Program certified lender; and select a home for purchase that meets the SHIP Program criteria. Eligible activities under this strategy shall include downpayment assistance and closing costs assistance. The homebuyer must pay a minimum of 2% of the sales price of the home. Only the amount of SHIP subsidy required to close will be awarded. All eligible recipients must complete a homebuyer education and training program, administered by a City of Gainesville approved entity. Mobile homes are eligible if the residential unit meets the standards of Chapter 553, Florida Statutes for homeownership.
Summary of the Strategy. The purpose of the Purchase Assistance-New Construction Program is to provide affordable homeownership opportunities for eligible homebuyers; and to stabilize neighborhoods through the development of new affordable housing. The new housing units may be constructed on infill lots or as part of a larger development of vacant lots within the City. This program will address the need to provide decent, safe and affordable homes to eligible homebuyers. Funds will be used as a subsidy to provide subordinate financing to assist in making the purchase of the new home affordable.
Summary of the Strategy. The Replacement Housing Program (RHP) will address housing units that are infeasible to rehabilitate due to the existing major health and safety violations, and the exorbitant cost of repairs required to make these dwellings meet the minimum housing code requirements. Funding for this program will be reserved for homeowners who applied to the Housing Rehabilitation Program for assistance and their homes were subsequently determined to be infeasible to rehabilitate. The RHP program will assist a homeowner with demolishing the existing home and rebuilding a new home on the same site or other equivalent site. The house plans will be provided by the City of Gainesville Housing Division.
Summary of the Strategy. Development of special needs housing is an eligible activity and is considered as rental housing construction. Through an inter-local agreement, the City of Gainesville and Alachua County will jointly sponsor a fund targeted to the construction and rehabilitation of housing for persons with special needs. Funds will be available for qualified sponsors who serve households of persons with special housing needs which include, but are not necessarily limited to the: persons with developmental disabilities; persons with mental illnesses or chemical dependency; persons with Acquired Immune Deficiency Syndrome (“AIDS”) and Human Immunodeficiency Virus (“HIV”) disease; runaway and abandoned youth; the elderly; and disabled adults. New construction and rehabilitation are eligible activities.
Summary of the Strategy. The purpose of the Rental Construction Program is to provide a local government contribution to qualified developers to stimulate the construction of new rental housing and rehabilitation of existing units for income eligible tenant households. Eligible expenses include construction and rehabilitation costs only. Priority may be given to projects that are located in neighborhoods within the City that have no and/or a shortage of affordable rental units available for low-income households. Eligible applicants may include individuals, non-profit corporations, partnerships, for-profit corporations and/or limited liability companies.
Summary of the Strategy. The Replacement Housing Program (RHP) will address housing units that are infeasible to rehabilitate due to the existing major health and safety violations, and the exorbitant cost of repairs required to make these dwellings meet the minimum housing code requirements. Funding for this program will be reserved for homeowners who applied to the Housing Rehabilitation Program for assistance and their homes were subsequently determined to be infeasible to rehabilitate. The RHP program will assist a homeowner with demolishing the existing home and rebuilding a new home on the same site or other equivalent site. The house plans will be provided by the City of Gainesville Housing Division. Eligible costs include construction costs and related project soft costs (e.g., architectural, engineering, related professional services such as credit reports, recordation and filing fees, appraisal fees, survey fees, lead based paint inspections, building permits, builders fees). Mobile homes are not eligible to receive assistance from this program.
