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' F <br /> Insurance for their respective units . For owner <br /> financed mortgages , proof of such insurance shall <br /> be provided to the IRCLHAProgram on an annual <br /> basis ; and <br /> b . All owners shall pay all applicable property taxes <br /> for their respective housing units according to the <br /> tax payment schedule . <br /> 8 . Non - discrimination Policy <br /> The IRCLHAProgram and all eligible sponsors shall not <br /> discriminate in the IRCLHAProgram application and award <br /> process on the basis of race , creed , religion , color , age , <br /> sex , sexual preference , marital status , familial status , <br /> national origin , or handicap . <br /> 9 . Recycled / Repaid Indian River County Local Housing <br /> Assistance Trust Fund ( IRCLHATF ) funds <br /> All funds repaid to the IRCLHATF shall be recycled for re - use <br /> by the IRCLHAProgram . The funds repaid shall be added to the <br /> existing balance of the IRCLHATF and redistributed for use <br /> through the IRCLHAProgram . <br /> 10 . Support Services for Eligible Recipients <br /> The following support services are available to the SHIP <br /> Program recipients and to the Indian River County residents . <br /> The county in conjunction with financial institutions <br /> conducts homebuyer ' s educational workshop program for <br /> SHIP downpayment / closing cost assistance applicants <br /> Consumer Credit Counseling , through lenders and through <br /> the homebuyer ' s educational workshops , provides <br /> assistance to applicants <br /> The Indian River County Council on Aging provides various <br /> services including housing assistance to elderly and <br /> handicapped individuals <br /> The Housing Authority and Economic Opportunity Council <br /> provides housing assistance to qualified households <br /> County SHIP staff provides assistance to applicants for <br /> completing SHIP applications , resolving credit problems , <br /> referring applicants to appropriate ' financial <br /> institutions for acquiring first mortgages , and providing <br /> other assistance as needed . <br /> County SHIP staff in conjunction with local financial <br /> I <br /> nstitutions , non - profit organizations , HUD staff , and <br /> others , conducts Housing Fairs in low income <br /> neighborhoods <br /> 10 <br />