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ATRUECOPY <br /> CERTIFICATION ON LAST PAGE Form SHIP AR/2009 <br /> J , K . BARTON , CLERK 67- 37 . 008 ( 3 ) (1) 1 F .A . C . <br /> Effective Date : 11 /2009 <br /> All incentives were implemented as scheduled . <br /> Has the plan or strategy been implemented ? If no , describe the steps that will be taken to implement the plan : <br /> Yes . <br /> Status of Strategy - ( is the strategy functioning as intended , i . e . are the time frames being met , etc . ) : <br /> All strategies are working as intended . <br /> Support Services <br /> The county , in conjunction with financial institutions , conducts a homebuyers ' educational workshop program for <br /> all applicants who request downpayment/closing cost assistance ( see attachments regarding homebuyers ' <br /> education program ) <br /> - Consumer Credit Counseling Services provides assistance to applicants through lenders and through the <br /> homebuyers ' educational workshops <br /> - The Indian River County Council on Aging provides various services to elderly and handicapped individuals <br /> including housing assistance <br /> - The Housing Authority and Economic Opportunity Council provide housing assistance to qualified households <br /> - County staff provide one on one assistance to applicants for completing SHIP applications , resolving credit <br /> problems , referring applicants to appropriate financial institutions for acquiring first mortgages , and providing <br /> other assistance as needed <br /> - County SHIP staff, in conjunction with local financial institutions , non - profit organizations , HUD staff, and others , <br /> conducts information workshops in the Gifford area , Wabasso area , and Oslo area of the county which have a <br /> high percentage of minorities and low income households . <br /> Other Accomplishments <br /> - By the end of June 2010 , the Indian River County LHAProgram had approved 48 loans with FY 07 - 08 funding . <br /> In administering the program , LHAProgram staff held several public meetings , and placed newspaper <br /> advertisements . Because of these efforts , the LHAProgram is well known to the public , and there are many <br /> more eligible applicants than the county can assist with available SHIP funds . <br /> Availability for Public Inspection and Comments <br /> Annual report provided to the public through Affordable Housing Advisory Committee , Affordable Housing <br /> Partnership Group , county planning division , municipalities within the county , and the county website . Availability <br /> of the reports also advertised in the local newspaper . <br /> Default and Foreclosure <br /> Mortgage Foreclosures <br /> A , Very low income households in foreclosure : 0 <br /> B . Low income households in foreclosure : 1 <br /> C . Moderate households in foreclosure : 1 <br /> Mortgage Defaults <br /> A . Very low income households in default : 0 <br /> B . Low income households in default : 4 <br /> C . Moderate households in default : 2 <br /> Page & <br />