Bay County SHIP Housing Rehabilitation

Bay County Housing Services (SHIP)

Available Home Repair

About This Program

Bay County SHIP Housing Rehabilitation is available to homeowners in Lynn Haven, FL.

Florida State Housing Initiatives Partnership (SHIP) program administered by Bay County providing major home rehabilitation assistance to very low, low, and moderate income homeowners. Loan is forgiven after completion of affordability period based on award amount.

Forgivable loan with affordability period based on award amount

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Lynn Haven, FL, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $50,000 for major rehab
  • Income at or below 140% AMI
  • Must be owner-occupied in Bay County
  • Affordability period required based on loan amount
  • Covers structural repairs, roofing, HVAC, systems

How to Apply

Get free help applying Visit Official Program Page Track this program

(850) 248-8140

A grant-savvy contractor in Lynn Haven, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Lynn Haven early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted on ongoing basis

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Bay County SHIP Housing Rehabilitation provide in Lynn Haven, FL?

Forgivable loan up to $50,000.

Who qualifies for Bay County SHIP Housing Rehabilitation in Lynn Haven?

Bay County SHIP Housing Rehabilitation is open to homeowners in Lynn Haven, FL. It prioritizes low-income households.

How do I apply for Bay County SHIP Housing Rehabilitation in Lynn Haven, FL?

Apply directly with Bay County Housing Services (SHIP) using the official program link on this page or call (850) 248-8140. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Lynn Haven, FL contractors

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This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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