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f <br />POLICY 4.9: The county shall require all applicants or <br />downpayment/closing cost loan assistance from the Indian River <br />County Local Housing Assistance Program to attend a homebuyers' <br />educational program workshop as a prerequisite for getting a loan. <br />The homebuyers' educational program provides useful information to <br />people wanting to buy their own home. Typical subjects presented <br />are as follows: <br />• Preparing for homeownership (including budgeting, saving, <br />etc.) <br />• Shopping for a home <br />• Obtaining a mortgage (qualifying, processing, etc.) <br />• Understanding mortgages and the closing process <br />• Life as a homeowner (includes maintenance and <br />responsibilities) <br />• Credit and credit reports <br />- Housinc Element Policy 9.1 <br />POLICY 9.1: The county shall maintain its <br />programs. As part of this coordination <br />accept funds, land, in-kind services, or <br />for housing assistance purposes from local <br />unable to provide sites for low cos <br />jurisdictions. <br />66 <br />local housing assistance <br />process, the county will <br />other types of payments <br />municipalities which are <br />t housing within their <br />