Highlands County SHIP Program – Owner Occupied Rehabilitation

How it works

Highlands County’s Housing Division runs the SHIP program for eligible county residents. For owner-occupied rehabilitation, the county says funds are awarded to households needing repairs to correct code violations, health issues, and safety issues. The program is part of the county’s SHIP housing assistance and is offered to qualified homeowners during advertised application periods.

What the money covers

The official page says rehabilitation funds can be used for:

• code violations
• health and safety issues
• electrical work
• plumbing work
• roofing systems, including soffit and fascia
• windows
• other structural items

The county adds that additional items may be included if money remains after the required repairs are completed.

Amounts and repayment

The county states that SHIP assistance for owner occupied rehabilitation is provided as a loan at 0% interest, secured by a recorded mortgage and promissory note. The page does not state a dollar cap for this strategy.

How to apply

Applications are accepted during advertised application periods for eligible residents of Highlands County. The page directs homeowners to the Owner-Occupied Rehabilitation Application and says households are selected on a first-qualified, first-served basis for single-family activities.

Timing and deadlines

The county page says Highlands County is not accepting applications for the Owner-Occupied Rehabilitation Program at the time the page was crawled, and that notices will be posted if anything changes.