Rehabilitation Program

• The home must be owner-occupied; rental homes will not qualify.
• Applicants must submit a completed application and requested documents within the specified time frame (fourteen days) for processing to begin.
• Household must meet income eligibility requirements. All household income of people 18 years and older, who reside in the home, must be included.
• The home must be the homeowner’s primary residence in St Johns County, and homestead is filed with SJC Tax Collector.
• Property taxes and/or assessments must be current, with no judgments, liens, reverse mortgages, or third mortgages against the property; and first or subordinate mortgage payments must be current.
• Applicants who have received prior SHIP assistance under this program are not eligible to apply.
• The total household assets cannot exceed $50,000.00

The home repairs will be provided as a loan that doesn’t require any monthly payments and doesn’t charge interest. This loan will last for 10 years and will be recorded as a lien on your property. The exact repairs you receive will depend on your specific situation, following Florida Housing rules.

• A St. Johns County Housing Inspector must inspect the home before, during, and after construction.
• Rentals, Townhomes, Duplexes, and Condominiums are not eligible for rehabilitation assistance.
• Mobile/manufactured housing 20 years old or newer is eligible for assistance; mobile/manufactured homes must be a home/land package (mobile homes in parks are excluded from the eligible list)