Collier County Comparative Analysis Project
Phase III—Report I
April 23, 2012
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Florida: An Economic Overview
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COLLIER COUNTY
STATE HOUSING INITIATIVES PARTNERSHIP PROGRAM (SHIP)

The Collier County Department of Housing, Human and Veteran Services (HHVS) is pleased to be offering a second mortgage program under the State Housing Initiatives Partnership Program (SHIP) which provides down payment and closing costs assistance to enable eligible families in unincorporated Collier County, the City of Naples, the City of Marco Island or Everglades City to become homeowners. All assistance provided will be secured by a second mortgage on the property being purchased. Funds will be reserved on a first come, first ready basis to eligible applicants who received firm mortgage commitments from local lenders. This program is for the purchase of existing and newly constructed homes. A unit which has obtained a Certificate of Occupancy and has not been occupied in the last 12 months of construction will be considered new construction.

This program provides first-time homebuyers interest free loans of 20% of the purchase price or $20,000 (whichever is less) of the home for very low, low and moderate income borrowers for Down Payment and Closing Cost assistance. The loans are deferred for fifteen years (15) or until the home is sold or refinanced. The Maximum sales price is $300,000.
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