Currently, we are NOT accepting new applications for the SHIP Program as we are currently working off of a waiting list.
As of 5/2022, that list is approximately 1-2 years long. Applicants are assisted on a 1st received/1st qualified/set aside requirement/special needs/extremely low income basis.
WHEN applications are being accepted, notice will be posted to this website, the Baker County Press, Baker County Board of Commissioners on Facebook, posted to the doors of the Administration Building & Community Development Building. At THAT time, please click this link SHIP Applicant Portal to create your user profile, complete the application and upload the required documents.
The amount of funding received each fiscal year from Florida Housing is currently based on population. Currently Baker County is 1 of 17 counties that receives the minimum distribution, $350,000.
As of 2/2022, out of FY 17-18 State SHIP Funds received, we have expended:
4 - Owner Occupied Rehabilitations
2 - Demolition/New Construction
As of 2/2022, out of FY 18-19 State SHIP funds received, we have expended:
1 - Emergency Repair
2 - Owner Occupied Rehabilitations
2 1/2 - Demolition/New Construction (1/2 of 1 project will be funded from FY 18-19 AND 1/2 from FY 19-20)
As of 2/2022, out of FY 19-20 State SHIP funds received, we have expended:
1/2 - Demolition/New Construction (remaining 1/2 of project from FY 18-19)
2 - Demolition/New Constructions
We have encumbered:
1/2 - Demolition/New Construction (1/2 of 1 project will be funded from FY 19-20 AND 1/2 from FY 21-22)
Due to the COVID pandemic, there were NO State SHIP funds received for affordable housing FY 20-21
UPDATE: FY 21-22 SHIP Bid Project #2022-09 bids due 9/2/2022
As of 8/2022, out of FY 21-22 State SHIP funds received, we have encumbered:
1/2 - Demolition/New Construction (remaining 1/2 of project from FY 19-20)
2 - Demolition/New Construction.
Number of individuals remaining on waitlist: 2 (project type must be re-evaluated (due to loss of FY 20-21 funds causing 1 year delay in assistance).
What is the SHIP Program?
In 1992, the William E. Sadowski Affordable Housing Act was established under a bipartisan agreement with an ultimate goal of creating jobs and helping those who lived in substandard housing. Funds are allocated to local governments based on population. These funds are derived from the collection of documentary stamp tax revenues. The Florida Housing Finance Corporation administers the SHIP program (State Housing Initiatives Partnership), which provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multifamily housing. The targeted population must be considered very low to moderate income households as defined by Housing Urban Development (HUD).
Current Income Limits: 2022 Income Limits per FHFC for SHIP Programs
What is an LHAP?
An LHAP is a Local Housing Assistance Plan. Every local government participating in SHIP is required to have an approved LHAP at all times. Local governments are required to submit LHAPs by May 2nd once every three (3) years, covering the three (3) fiscal years beginning July 1st of the year the plan is submitted. LHAPs are designed to detail how each local government will expend funds allocated to them for each fiscal year.
Baker County Current LHAP: Baker County LHAP 2020-2023
SHIP Funding Strategies
When funding is available, Baker County participates in the following strategies as detailed in the LHAP:
Owner Occupied Rehabilitation - SHIP Rehab Flyer
* The owner occupied rehabilitation strategy provides needed building code related repairs to the primary, homesteaded homes of eligible county residents. Through this strategy, substandard housing conditions are corrected to improve the health, safety and welfare of the occupants. If qualified for this strategy, a Deferred Payment Loan (DPL) Lien is placed on the property for 15 years, at which time the loan is forgiven as long as the applicant continues to own and occupy the residence as their primary, homesteaded property.
* Demolition/reconstruction is for existing homeowners living in their primary, homesteaded, unsafe structures with building code violations beyond reasonable repair. Funding is provided to assist income eligible homeowners with the demolition of their unsafe structure and replacing it with a new home thus ensuring the home is building code compliant, safe, insurable and accessible. If qualified for this strategy, a Deferred Payment Loan (DPL) Lien is placed on the property for 20 years, at which time the loan is forgiven as long as the applicant continues to own and occupy the residence as their primary, homesteaded property.
(only available when a disaster has been declared for Baker County by Florida Governor or President of United States)
* Disaster mitigation assists households following a disaster declared by Executive Order of the Governor of Florida or President. This strategy will only be implemented in the event of a disaster using any funds that have not yet been encumbered or additional disaster funds issued by Florida Housing Finance Corporation. SHIP disaster funds may be used for items such as, but not limited to:
- Purchase of emergency supplies for eligible households to weatherproof damaged homes.
- Interim repairs to avoid further damage; tree and debris removal required to make the individual housing unit habitable.
- Construction of wells or repair of existing wells where public water is not available.
- Payment of insurance deductibles for rehabilitation of homes covered under homeowner's insurance policies.
- Security deposits, rental assistance for the duration of State of Florida.
- Other activities as proposed by the counties and eligible municipalities and approved by Florida Housing.
* Emergency repair is to assist homeowners of primary, homesteaded, site built homes or eligible mobile homes (post June 1994) with wheel chair ramps, roof repair, septic system repair, well work, HVAC work, or other repairs decided on a case by case basis by the Baker County Board of Commissioners via recommendation of the SHIP Administrator. If qualified for this strategy, a Deferred Payment Loan (DPL) Lien is placed on the property for 1 year, at which time the loan is forgiven as long as the applicant continues to own and occupy the residence as their primary, homesteaded property.
The agency names below are clickable links directly to those agencies or you may call the number listed.
Council on Aging 904-259-9318
Macclenny Housing Authority 904-259-6881
ElderSource of North Florida 1-888-242-4464
Baker County Veterans Services 904-259-2516
N Fla Community Action Agency 904-259-4481
Dept of Ag 504 Repair Program 352-338-3400
FAQ - Frequently Asked Questions
Frequently Asked Questions
Question - How do I know if I am qualified for SHIP Assistance?
Answer - You must own your residence (including mobile home) and the land, both without a mortgage and/or payment (this includes to private individuals aka Rent/Lease To Own). You must be current on your property taxes. May not have more than $ 10,000.00 in assets.
Question - Everyone has a different definition of "Elderly". What is considered "Elderly" for SHIP Purposes?
Answer - Elderly As defined in Chapter 420.0004(8), F.S. Elderly describes a person 62 years of age or older.
Question - Is "Elderly" considered a "special needs"?
Answer - For the purposes of the SHIP Program, just being elderly (over 62 years of age) is not considered special needs.
Question - How do I know if I qualify as "Special Needs"?
Answer - As defined in Rule Chapter 67-48, Florida Administrative Code, "Special Needs Household" means a household consisting of a Family that is considered to be Homeless, a Survivor of Domestic Violence, a Person with a Disability, or Youth Aging out of Foster Care. These households require initial, intermittent or on-going supportive services from one or more community based service providers to obtain and retain stable, adequate and safe housing in their communities.
Question - What is considered Disabled?
Answer - As defined in Chapter 420.0004(7), F.S. Disabling condition means a diagnosable substance abuse disorder, serious mental illness, developmental disability, or chronic physical illness or disability, or the co-occurrence of two (2) or more of these conditions, and a determination that the condition is:
(a) Expected to be of long-continued and indefinite duration; and
(b) Not expected to impair the ability of the person with special needs to live independently with appropriate supports.
Question - What is considered a Survivor of Domestic Violence?
Answer - "Domestic Violence" means domestic violence as defined in Section 741.28, F.S. (2) Which states: Domestic Violence means any assault, aggravated assault, battery, aggravated battery, sexual assault, sexual battery, stalking, aggravated stalking, kidnapping, false imprisonment, or any criminal offense resulting in physical injury or death of one family or household member by another family or household member.
Question - Who counts as a member of the household?
Answer - "Family or Household Member" means as defined in Section 741.28, F.S. (3) Which states: Family or household member means spouses, former spouses, persons related by blood or marriage, persons who are presently residing together as if a family or who have resided together in the past as if a family, and persons who are parents of a child in common regardless of whether they have been married. With the exception of persons who have a child in common, the family or household members must be currently residing or have in the past resided together in the same single dwelling unit.