Rehabilitation and Repair Assistance

• You must be the primary owner with a homestead exemption
• Mobile/manufactured homes must be built after 2007 and be on your land
• We do have a wait list

Home Buyer's Assistance

Before you apply...

• You should be credit-ready
• You must have stable income to qualify for a mortgage
• You must have taken a 1st Time Home Buyer's Class
• Do not go househunting until you receive an award letter from our office!

 

More about Rehabilitation and Repair...

 

Owner-Occupied Rehabilitation

• We handle the entire scope of work for your home, developed by St. Johns Housing Partnership. Homeowners do not decide the work details.

Roof Replacement

• Available for roofs with less than 6 years of life or if insurance requires replacement. Leaking roofs are eligible, but leaks are not required.

Senior Barrier-Free Home Modification

• For homeowners aged 60+, to help prepare homes for aging in place. Priority is given to those on the waitlist referred by Flagler County Senior Services.

 

 

More About Purchase Assistance...

Before You Apply

1. Improve Your Credit
   Aim for a credit score above 630.

2. Save for Expenses
   Set aside funds for out-of-pocket pre-purchase costs.

3. Increase Your Income
   Ensure your income is sufficient to qualify for a loan.

4. Take the 1st Time Home Buyer’s Class
   Complete the course to be well-prepared.

Income Requirements

• You must meet income eligibility and have enough income for loan pre-approval. This is not an emergency housing program.
• Housing Choice Voucher holders converting to homeownership vouchers may find this program beneficial.

About Mobile Homes & Alternative Housing

• Primary financing may not be available for unconventional structures.
• Mobile or manufactured homes must be less than 5 years old and located on real property.
• SHIP funds are disbursed at the final closing of an eligible home. We cannot assist with land purchases or pre-construction loans.

Be Ready Before You Apply

• Ensure your credit score is above 630.
• Have sufficient income to qualify for a loan.
• Save for pre-purchase expenses.
• Complete the 1st Time Home Buyer’s Course.