This program provides interest-free, deferred loans up to $50,000 to assist eligible homeowners in unincorporated Collier County, the City of Naples, the City of Marco Island, or Everglades City with rehabilitation or repair of their single-family homes, townhomes or condominium units. Mobile homes built prior to July 13, 1994 do not qualify for assistance.
The rehabilitated property value cannot exceed 90% of the assessed value as determined by the Collier County Property Appraiser’s Office, including after repairs.
A SHIP 15-year deferred payment loan (no payment, no interest) is secured by a promissory note secured by a second mortgage and is payable to Collier County. If you rent your home, sell your home, refinance your home, or lose your homestead exemption, repayment will be required. One-third of the loan is forgiven every five years.
Applicant shall:
- Own or have a mortgage for at least twelve months;
- Meet household income requirements established by the program;
- Produce proof of mortgage or deed as well as legal residency or citizenship status; and,
- Be current on your mortgage payments and not have had more than one late payment in the past 12 months.
To apply for assistance, call 239-252-2339 or e-mail Lisa.Carr@colliercountyfl.gov.
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