Dear Applicant,
CDCU has received funding from Salt Lake City Corporation to provide temporary mortgage assistance for households impacted by
the COVID-19 pandemic. Households who have experienced a loss of income or been otherwise financially affected due to the
pandemic may be eligible for a grant or low-interest or forgivable loan of up to $5,000 to cover one to three months of mortgage
Applicants must live in Salt Lake City municipal boundaries.
Applicants must own and live in the home.
Financial impact must be documented and provided to CDCU.
Applicants who did not receive a forbearance and are facing foreclosure are eligible.
Funds are eligible for undocumented or mixed-documentation households.
Funds may be used for those in forbearance or have exhausted their forbearance.
Mortgage Assistance Details:
Homeowners at or below 60% AMI (see income chart below) are eligible for a grant of up to $5,000.00.
Homeowners above 60% AMI are eligible for a 2% interest loan with the option for a one-year payment deferral. Loan terms
will be determined on a case-by-case basis and will range between 1-7 years. A lien will be recorded on the property.
Household Size
Maximum Annual
Household Income
(60% AMI)
1 Person
2 Persons
3 Persons
4 Persons
5 Persons
6 Persons
7 Persons
8 Persons
Applicants must provide contact information for their mortgage company. Payments are made directly
from CDCU to the mortgage company.
Applicants who have a forbearance may use this funding towards a lump sum amount that may be owed at
the end of forbearance. Total assistance cannot exceed $5,000.
Applicants who have exhausted their forbearance may receive up to $5,000.
Applicants may receive three months of payments not to exceed $5,000.
Approved borrowers must complete no-cost financial counseling provided by CDCU.
How to Apply:
1. Complete all the forms included in this packet. (The Monthly Spending Plan is for required counseling purposes).
2. Submit the packet, hardship letter, and include your most recent mortgage statement (all pages, even if blank).
3. Submit last 30 days of income. Possible sources and proof of income include but are not limited to: paystubs,
unemployment, SSI/SSA award letter, VA benefits, etc.
**Applications will not be reviewed unless the packet is complete and all requested documents are provided.**
Fully completed packets with attached documentation will be reviewed within 3-5 business days.
You can return the documentation in the manner most convenient for you:
Mail/Drop off: Community Development Corporation of Utah, 501 E. 1700 S., Salt Lake City, UT 84105
Email: Scan and email to
Fax: 801-994-7220
Questions? 801-994-7222
Best Regards,
Page 1 of 2 Updated 7/23/2020
Have you received services from other counseling agencies?
How did you hear about our organizaon?
Please provide the following informaon for all household members other than applicant & co-applicant:
Name Relaonship Age Date of Birth Sex Ethnicity Race
1. ___________
2. ___________
3. ___________
4. ___________
5. ___________
I am interested in (check all that apply):
Purchasing a home
Fixing my home
Saving my home
Managing my nances
Single Separated Divorced Widowed Married Marital Status:
Current Housing Situaon:
Renter Other:
Is there a household member who is:
Acve Duty Military
Foreign Born
Disabled Dependent
Do you need any special accommodaons for language or disability?
The following quesons are for survey purposes only and do not aect an applicant’s eligibility.
Single Adult
Household Type:
Married with children
Married without children
Two or more unrelated adults
Female headed single parent household
Male headed single parent household Other
City: State: Zip:
Home Phone:
Work Phone:
Cell Phone:
Relaon to Applicant:
Hispanic Non-Hispanic Ethnicity: Male Sex: Female
Black Asian
Nave Hawaiian or Other Pacic Islander
American Indian or Nave Alaskan
City: State: Zip:
Home Phone:
Work Phone:
Cell Phone:
Highest Level of Educaon:
Hispanic Non-Hispanic Ethnicity: Male Sex: Female
Black Asian
Nave Hawaiian or Other Pacic Islander
American Indian or Nave Alaskan
Household is not English procient Household is English procient
Female Male
Female Male
Female Male
Female Male
Female Male
Yes No
Are you working with a real estate agent? Are you working with a lender?
Yes No
Have you owned a home in the past 3 years?
Yes No
501 East 1700 South, Salt Lake City, Utah 84105 │ Page 2 of 2
801.994.7222 │ 866.994.7222 │ Fax 801.994.7220 │ TTY/TDD 711 Updated 7/23/2020
Translaon services are available for any service upon request.
Gross Annual Household Income: $ (total yearly income for enre family, before taxes & deducons)
Balance of All Debt: $
Total Monthly Payments, Exclude Rent & Ulies: $
Applicant Signature Co-Applicant Signature
Printed Name Printed Name
Date Date
I cerfy that the informaon above is true and correct to my knowledge:
I am a:
Sworn law-enforcement ocer
Cered Teacher
Fireghter or Cered Emergency Medical Technician
Applicant Employment Informaon:
Employer Name:
Business Type:
Start Date:
Hourly Income: $
Average Hours Worked per Week:
Gross Monthly Income:
Net Monthly Income:
Other Income:
Weekly Pay Period: Bi-Weekly Monthly Semi-Monthly
I am a:
Sworn law-enforcement ocer
Cered Teacher
Fireghter or Cered Emergency Medical Technician
Co-Applicant Employment Informaon:
Employer Name:
Business Type:
Start Date:
Hourly Income: $
Average Hours Worked per Week:
Gross Monthly Income:
Net Monthly Income:
Other Income:
Weekly Pay Period: Bi-Weekly Monthly Semi-Monthly
Other household members over the age of 18:
Addional household members included on a separate page
Employer Name:
Start Date:
Hourly Income: $
Average Hours Worked per Week:
Weekly Pay Period: Bi-Weekly Monthly Semi-Monthly
Employer Name:
Start Date:
Hourly Income: $
Average Hours Worked per Week:
Weekly Pay Period: Bi-Weekly Monthly Semi-Monthly
Yes No Yes No
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Updated June 2019
Agency Disclosure Statement
Housing Counseling Consent Form
Community Development Corporation of Utah (CDCU) strengthens our communities by empowering all Utahns through access to
affordable housing and financial security.
CDCU offers a variety of different programs and services to fulfill its mission. These programs and services are offered regardless
of race, creed, color, ethnicity, national origin, religion, sex, sexual orientation, gender expression, age, physical or mental ability,
veteran status, military obligations, and marital status. We administer services in conformity with local, state, and federal anti-
discrimination laws, including the federal Fair Housing Act.
CDCU provides the following HUD-approved programs and services in accordance with HUD guidelines:
- Financial Management/Budget Counseling - Financial, Budgeting, and Credit Workshops
- Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops
- Mortgage Delinquency and Default Resolution Counseling - Home Improvement & Rehabilitation Counseling
CDCU also offers the following services:
- Owner-occupant Loan program
- Down Payment Assistance programs
- Home Sales programs
- Mortgage Lending Services
- Real Estate Representation
Funding Disclosure
CDCU is funded through a variety of sources, including congressionally appropriated funds through the Department of
Housing and Urban Development (HUD), NeighborWorks’ Project Reinvest: Financial Capability program, the United States
Treasury, local municipalities, and banks, as well as other public and private organizations including foundations and
individuals. CDCU currently receives financial compensation for clients that participate in Framework’s online
Homeownership Education course.
CDCU Code of Conduct
No CDCU employee, officer, director, contractor, volunteer, or agent shall undertake any action that might result in, or create
the appearance of, administering services for personal or private gain, providing preferential treatment for any person or
organization, or engaging in conduct that would compromise CDCU’s compliance with federal regulations or our commitment
to serving the best interests of our clients.
Utilization of Services
CDCU provides information about numerous loan products and housing programs, and may refer Client to other agencies for
assistance. Client acknowledges that CDCU cannot guarantee Client’s eligibility for any program and Client cannot expect to
receive any assistance from any program until Client has been approved by the provider. Implementation of any suggestions
or information received, participation in programs, and utilization of services provided by CDCU or its partners is the Client’s
responsibility. Participation in any of CDCU’s programs does not obligate Client to participate, receive, purchase or utilize any
other services offered by CDCU or its partners or funders.
Client acknowledges that if CDCU provides housing and financial counseling/coaching services, Client will receive a written
action plan consisting of recommendations for handling Client’s financial and housing situation. Client understands that the
quality of the action plan is dependent on the accuracy of the information that Client provides and that errors in factual
information may seriously affect the projected outcomes discussed in counseling. Likewise, any change in Client’s personal
situation may significantly change the potential for success of the decisions Client makes pursuant to the action plan.
CDCU reserves the right to terminate services at any time if it is determined that Client does not qualify for the programs that
CDCU offers, if Client’s needs cannot be met by said programs, or if a respectful and professional relationship is not
maintained. CDCU does not tolerate verbal abuse or harassment. Client may also terminate services at any time.
Updated June 2019
Client acknowledges that information received from CDCU about real estate, taxes, bankruptcy, foreclosure and other legal
matters is only general information, not legal advice. In the event legal advice is needed or desired, Client agrees to consult
an attorney or request a referral for legal assistance. Client agrees to indemnify and hold harmless CDCU and their
subsidiaries, affiliates, successors, permitted assigns, officers, directors, agents, and employees from and against any and all
damages, third party claims, demands, actions or causes of action, liabilities, expenses (including reasonable attorney’s fees)
arising out of any services, opportunities or information offered by CDCU, its partners and funders.
Release of Information
Client hereby grants permission for CDCU to share Client’s personal information that may be reviewed by the U.S Department
of Housing and Urban Development (HUD), Housing Partnership Network and/or NeighborWorks America Data Collection
System and/or their agents for tracking or reporting purposes. Client also agrees, upon request, to provide follow-up
information to CDCU for the purposes of program evaluation, monitoring, and compliance.
By signing below, Client acknowledges having received and read this Agency Disclosure Statement and Housing Counseling
Consent Form and CDCU’s Privacy Policy.
_________________________________ _________________________________ _______________
(Client Signature) (Client Signature) (Date)
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501 East 1700 South, Salt Lake City, UT 84105 I 801.994.7222 Updated 2/15/2017
Privacy Policy and Practices
We at Community Development Corporation of Utah (CDCU) value your trust and are committed to the responsible
management, use, and protection of your personal information. This notice describes our policy regarding the
collection and disclosure of personal information. “Personal Information” or “non-public personal information”, as
used in this notice, means information that identifies an individual personally and is not otherwise publicly
available. It includes personal financial information such as credit history, income, social security number, and
other specific information you have provided us.
Information We Collect
We collect non-public personal information, including:
Information we receive from you verbally, or on applications or other forms
Information about your transactions with us, our affiliates, or others
Information we receive from consumer reporting agencies
Information we receive from personal and employment references
Information We Disclose
We may disclose the following kinds of non-public personal information about you:
Information we receive from you on applications or other forms, such as your name, address, social
security number, employer, occupation, assets, debts, and income
Information about your transactions with us, our affiliates, or others, such as parties to your transactions,
your account balances, and your payment history
Information we receive from consumer reporting agencies, such as your credit bureau reports, credit
history, and credit worthiness
To Whom We Disclose Information
We may disclose some or all of your non-public personal information to the following types of nonaffiliated third
parties to provide program services to you:
Creditors or other third parties where we have determined that it would be helpful to you or would aid us
in counseling or otherwise assisting you
Others (such as non-profit organizations or funding partners that make our services possible) as required
for the purpose of review, auditing, research, and oversight
We may also disclose personal information about you to anyone as permitted or required by law.
You have the opportunity to “opt-out” of certain disclosures (direct us to not make those disclosures)by informing
CDCU of your decision in writing.
Confidentiality and Security
Within the organization, we restrict access to non-public, personal information about you to those employees who
need to know that information to provide services to you and to help them do their jobs, including financial or
housing counseling, loan underwriting, loan servicing, or aiding you in obtaining a loan from others. We maintain
physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic
personal information. We do not share non-public personal information with any non-affiliated third parties for
the purpose of making sales calls or marketing products or services to you.
Emails and Updates
Please initial if you would NOT like us to contact you by email with updates and information about services that we
feel may interest you.
By signing below, you acknowledge that you have received and read this disclosure notice.
__________________________ __________________________ ______________
(Client Signature) (Client Signature) (Date)
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Updated 1/31/2013
COVID Assistance Hardship Letter Outline
This is a guide to help you write your own letter.
1. Keep it to one typed page.
2. Be sure to sign & date the letter.
3. Please explain your need for mortgage assistance.
4. Please attach documentation to support your hardship.
Examples may be letter of termination or reduction pay/hours
from your employer, medical bills from COVID-related illness (Do
not submit any document containing medical condition or
history), unemployment benefits etc.
Paragraph 1: Describe what happened in a few sentences; don’t include too many
personal details. Please describe what the employment situation is for all adult
household members. Please include dates of when changes in employment or Covid-
related issues started. If you applied for unemployment, please mention when that
began. Have you applied for mortgage assistance with another agency? Did you apply
for forbearance with your lender?
Paragraph 2: Describe how your financial hardship is affecting you overall and what
actions you have taken to improve your situation, such as reduce expenses, etc. Are
you currently employed? Looking for new/better employment? Are you current or behind
on your mortgage payments? If you are behind on your mortgage, please state how
many months you are behind. Are you current on your utility bills? Do you receive any
other type of assistance at this time (i.e. food stamps, utility assistance etc.)?
John Doe
Phone #801-555-1234
Updated 11/7/2016
Community Development Corporation of Utah
A HUD-Approved Counseling Agency (HUD#82135)
501 East 1700 South, Salt Lake City, Utah 84105
Office 801-994-7222 Fax 801-994-7220
TAX ID #87-0476889
Authorization to Release Information
Borrower: Social Security #
Co-Borrower: Social Security #
Full Property Address:
Phone Number: ______________________________ Other Phone: ______________________________
Account #__________________________________________
I authorize:
(Mortgage Company)
(Telephone Number & 3rd Party Fax Number)
To release information concerning my mortgage to any of the HUD-certified housing counselors or
processors at Community Development Corporation of Utah (CDCU).
Luz Baxley, Counselor Denise Hunsaker, Processor
801-994-7222 x212 801-994-7222 x204
I/we authorize any of the CDCU counselors or processors to speak with above named mortgage
company and any other party with servicing responsibilities for this account. I/we authorize the
mortgage company to discuss my loan and with CDCU representatives via phone, email, fax, or other
written communication. I/we also give authorization for CDCU to submit documents on my behalf and
for my mortgage company to send documents directly to CDCU.
This authorization shall remain valid until it is revoked in writing by any borrower or co-borrower.
Borrower: ______________________________________________ Date: _________________________
Co-Borrower:____________________________________________ Date: ______________________
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Mortgage/Rent Gas
Savings Groceries
Power Household Supplies
Gas Eating Out
Water/Sewer/Garbage School Lunches
Home/Cell phone Entertainment
Cable/Internet Personal Care/Hair care
Car Payment Clothing
Car Payment Medical
Student Loans Gym Membership
Credit Card Pet Supplies
Credit Card Other:
Credit Card Other:
Child Support/ Alimony Other:
Car Insurance Total Variable Expenses
Life Insurance
Donations Net Monthly Income
Other: — Total Fixed Expenses
Other: —Total Variable Expenses
Total Fixed Expenses Total Surplus or Deficit
501 East 1700 South, Salt Lake City, UT 84105, 801.994.7222
Net Monthly Income
Total Net Income
Fixed Monthly Expenses Variable Monthly Expenses
Page 15 of 15
Household Name:
Purchase Property Address:
The program for which your household is applying is funded in part by one or more of the following sources: CDBG and HOME funds. Community
Development Corporaon of Utah is required to verify ALL income of ALL adult household members (18 years or older) receiving assistance, or
applying for assistance under these programs. To comply with this requirement, you are required to supply the informaon requested in the
cercaon below. This informaon will be held in strict condence and used only for the eligibility of your household for this program.
Under penalty of perjury, I cerfy that the informaon presented in this cercaon is true and accurate to the best of my knowledge. The
undersigned further understands that providing false representaons herein constutes an act of fraud.
_________________________________ _________________________________ _______________
(Client Signature) (Printed Name) (Date)
1. I hereby cerfy that I do not individually receive income from any of the following sources:
a) Wages from employment (including commissions, ps, bonuses, fees, etc.)
b) Income from operaon of a business
c) Rental income from real or personal property
d) Interest or dividends from assets
e) Social Security payments, annuies, insurance policies, rerement funds, pensions, or death benets
f) Unemployment or disability payments
g) Public assistance payments
h) Periodic allowances such as alimony, child support, or gis received from persons not living in my household
i) Sales from self-employed resources (Avon, Mary Kay, etc.)
j) Funds from other source(s) not named above (list below):
2. Check (A) or (B) as applicable:
A. I have no income of any kind at this point in me and do not ancipate income from any source within the next 12 months.
B. I am not presently employed, but ancipate becoming employed within the next 12 months.
Based upon my educaonal background, skills, and past work experience, and with adjustments to reect circumstances
ancipated within the next year, I ancipate earning: $
over the next 12 months. In support of this esmate, I
have submied:
Most recent year’s tax return
Previous job and salary history
Other supporng documentaon: