How to apply for Gulf County SHIP Owner-Occupied Home Rehabilitation in Florida

Who it's for

Gulf County uses state SHIP money to repair homes owned and lived in by low-income households. The program can lend up to $60,000, interest-free, for repairs. Health and safety problems, code violations and changes for a disability (ADA) come first. There is no cost to apply. Applications open after a 30-day public notice, usually in July, and are taken until the money runs out. Apply through the Apalachee Regional Planning Council's online portal. You must have an appointment; call the SHIP office at 850-312-3932.

What you'll need

• Proof that you own the home and live in it as your main home
• Proof of income for everyone in the household
• Call the SHIP office to ask what else to bring

Where to apply

What to say when you call

"Hello, I'm calling to ask about Gulf County SHIP Owner-Occupied Home Rehabilitation. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof that you own the home and live in it as your main home, proof of income for everyone in the household, call the SHIP office to ask what else to bring — is anything else required? What is the best next step?"

Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.

Renewals

one-time per repair project (applications open after a 30-day notice, while funds last)