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
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.