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Form SHIP AR/2009 67-37 . 008 (3) (1) , F .A. C . Effective Date : 11 /2009 The county , in conjunction with financial institutions , conducts a homebuyers ' educational workshop program for all applicants who request downpayment/closing cost assistance . - Consumer Credit Counseling Services provides assistance to applicants through lenders and through the homebuyers ' educational workshops - The Indian River County Council on Aging provides various services to elderly and handicapped individuals including housing assistance - The Housing Authority and Economic Opportunity Council provide housing assistance to qualified households - County staff provide one on one assistance to applicants for completing SHIP applications , resolving credit problems , referring applicants to appropriate financial institutions for acquiring first mortgages , and providing other assistance as needed - County SHIP staff, in conjunction with local financial institutions , non -profit organizations , and others , conducts information workshops in the Gifford area , Wabasso area , and Oslo area of the county which have a high percentage of minorities and low income households . Other Accomplishments By the end of June 2011 , the Indian River County LHAProgram had approved 60 loans with FY 08 -09 funding . In administering the program , LHAProgram staff held several public meetings , and placed newspaper advertisements . Because of these efforts , the LHAProgram is well known to the public , and there are many more eligible applicants than the county can assist with available SHIP funds . Availability for Public Inspection and Comments The annual report is provided to the public through Affordable Housing Advisory Committee , Affordable Housing Partnership Group , county planning division , municipalities within the county , and the county website . Availability of the reports is also advertised in the local newspaper . Default and Foreclosure Mortgage Foreclosures A . Very low income households in foreclosure : 1 B . Low income households in foreclosure : 2 C . Moderate households in foreclosure : 0 Mortgage Defaults A . Very low income households in default : 1 B . Low income households in default : 2 C . Moderate households in default : 1 Welfare to Work Programs All applications are reviewed based on first application submitted , first application reviewed . All applications are approved based on first application completed , first application approved . Themunty_gives priority to those who are in a welfare to work program . - Strategies and Production Costs Strategy Average Cost Purchase Assistance with Rehab $23 , 379 . 00 Page 8