PHfH Annual Report – FY 2015-16

Putnam Service Project

90 Households Served; 926 individuals
Amount we spent on repairs                                                      $35,340
Average spent per household                                                          $609 

Our Putnam Service Project (PSP) provides critical and emergency home repairs to low-income homeowners in Putnam County. Included in the PSP is our handicapped ramp program which works with Tim Campbell’s Church of Palatka group (COP) whereby we supply the materials and COP provides the labor.

PSP is most effective when the homeowner does not qualify for the USDA 504 program or the State Housing Initiatives Program (SHIP) or when the homeowner is experiencing a critical or emergency situation which requires immediate action. The USDA and SHIP programs can take 60-90 days from qualification to completion of work.

USDA 504 Home Repair Program

42 Households Served

We have been directing qualified homeowners to this program for more than five years.  Once we prequalify the homeowner, we do their application in our office and forward it to the USDA office in Ocala.

This program can fund high-dollar repairs (up to $20,000) on all types of homes including mobile homes.  This program features 1% loans for 20 years and outright grants for those 62 and older. All applicants must have acceptable credit (640 or higher) to be accepted.

State Housing Initiatives Program (SHIP) – Home Repairs

49 Households Served

We have been directing qualified homeowners to this program for more than three years.  Once we prequalify the homeowner, we instruct them to pick up their application from the county commission office, fill it out, and return it to the same office. From that point, the application goes to Northeast Florida Regional Council who processes the application and oversees completion of work. We do not track applicants once we refer the homeowner to the county office. Personal credit is not a factor. SHIP does not repair mobile homes. It is a grant program, not a loan program.  As with the USDA 504 program, SHIP can do up to $20,000.



PHFH Annual Report 2013-14

Putnam Service Project
Our Putnam Service Project (PSP) provides critical and emergency home repairs to low-income homeowners in Putnam County.

67 Households assisted in FY 2013-14

$32,800 Spent on Repairs

 $490 Average Spent per Household

PSP is most effective when the homeowner does not qualify for the USDA 504 program or the State Housing Initiatives Program (SHIP) or when the homeowner is experiencing a critical or emergency situation which requires immediate action. The USDA and SHIP programs can take 60-90 days from qualification to completion of work. 

USDA 504 Home Repair Program

We have been directing qualified homeowners to this program for more than five years.  Once we prequalify the homeowner, we do their application in our office and forward it to the USDA office in Ocala.

This program can fund high-dollar repairs (up to $20,000) on all types of homes including mobile homes.  This program features 1% loans for 20 years and outright grants for those 62 and older. All applicants must have acceptable credit (640 or higher) to be accepted.

Over the past year we prequalified 39 homeowners. Nine of those have been approved. The remaining homeowners are at some point in the approval process or have chosen to be dropped from consideration.

Six households were qualified, assisted, and completed in FY 2013-14 .

SHIP-State Housing Initiatives Program-Home Repairs

We have been directing qualified homeowners to this program for more than three years.  Once we prequalify the homeowner, we instruct them to pick up their application from the county commission office, fill it out, and return it to the same office. From that point, the application goes to Northeast Florida Regional Council who processes the application and oversees completion of work. We do not track applicants once we refer the homeowner to the county office.

                We directed 90 homeowners to this program in FY 2013-14

Personal credit is not a factor. SHIP does not repair mobile homes. It is a grant program, not a loan program. As with the USDA 504 program, SHIP can do up to $20,000.

Clothing and Shoes Recycle Income Program

100 percent of the proceeds of this program go PSP.  We currently have 22 recycle boxes throughout Putnam County.

                Income for FY 2013-14                                                   $8,170

                Box maintenance expenses (clean, paint)               $729

                Net Revenue                                                                     $7,441