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Homeowner Program

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OWNER-OCCUPIED REHABILITATION PROGRAM 
Before application submittal, please consider the following: program participants are required to income and property qualify, be current on all city services, first mortgage must be current or satisfied, homeowner association fees must be current, must possess homeowner and flood insurance. Applicants seeking funding with cash value assets exceeding $25,000 at the time of application submittal are considered ineligible.

SUMMARY
The owner-occupied rehabilitation program is a deferred second mortgage that assists with needs of repair to correct code enforcement violations, health and safety issues, electrical, plumbing, roofing, windows, air conditioning units, and other structural items. Applicants will not receive the maximum award in all cases. Final award is based on the home inspection report, therefore, applicants will not receive the maximum award in all cases.

FORGIVENESS
Loan is forgiven on a prorated basis, per annum:

  • Ten percent (10%) for 10 year terms, and
  • Six and sixty-sevenths percent (6.67%) for 15 year terms

DEFAULT
The loan will be considered default if any of the following occurs during the loan term:

  • Sale;
  • Transfer or conveyance of property;
  • Conversion to a rental property;
  • Loss of homestead exemption status;
  • Failure to occupy the home as primary residence; and/or
  • Acquires a reverse mortgage.

If any of these occur, the outstanding balance will be due and payable. In case where the qualifying homeowner(s) die(s) during the loan term, the loan may be assumed by an eligible heir who must occupy the home as a primary residence. If the legal heir is not eligible or chooses not to occupy the home, the outstanding balance of the loan will be due and payable.

ADDITIONAL INFORMATION
Applicants with reverse mortgages will not be assisted. The City will only accept first and/or second position in the lien process. Assisted properties must have active property insurance. Flood insurance is required for properties located in a designated flood zone.

Applicants must be current on all City services, first mortgage, and homeowner association fees. Properties with unsatisfactory title searches and/or unpermitted structures will not be assisted. If the home was purchased with an unpermitted structure, it is the responsibility of the current owner to contact the City’s Building Division at (954)730-3030 to obtain information on how to apply for an “After-the-Fact” permit.

Frequently Asked Questions may assist with additional questions regarding the City's Homeowner Owner-Occupied Rehabilitation Program.


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