Fillable Virtual Home Buyers Class

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Virtual Home Buyers Class

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  • 112 check-boxes
  • 162 other fields

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Virtual Home Buyers Class
Co-Client Name (First, Middle Initial, Last): Social Security Number:
TO BE FILLED OUT BY CO-CLIENT
Street Address (DO NOT use PO Box) City: State: Zip:
Phone Number (Home or Cell) Email: Married: Yes No
County Client Resides In Current Housing Situation: Have you been a homeowner within the
last three years:
SINGLE RACE:
American Indian / Alaskan Native
Black / African American
Native Hawaiian / Pacific Islander
Asian
White
Choose Not To Respond
Doctoral or Professional Degree
Master’s Degree
Bachelor’s Degree
Associate’s Degree
Post Secondary Non-Degree Award
Some College, No Degree
High School Diploma or Equivalent
Less Than High School
HOUSEHOLD TYPE:
Single Adult
Female - Single Parent
Male - Single Parent
Married with Children
Married without Children
Two or More Unrelated Adults
Other
MULTI RACE:
American Indian / Alaskan Native and White
Asian and White
Black / African American and White
Native Hawaiian / Pacific Islander and Black African
American
Other Multi-Race
FOR STATISTICAL PURPOSES CIRCLE OR CHECK THE APPROPRIATE ANSWER AS IT APPLIES TO THE CLIENT
FOR STATISTICAL PURPOSES PLEASE INDICATE CLIENTS HIGHEST LEVEL OF EDUCATION:
Ethnicity:
(You must select one)
Hispanic
Non-Hispanic
Choose not to respond
Gender:
Own Rent
Homeless Living w/Family
Yes No
Male Female
Disabled: Yes No
Section 1
: Must be completed for all clients Date:
Client Name (First, Middle Initial, Last): Social Security Number:
Street Address (DO NOT use PO Box) City: State: Zip:
Phone Number (Home or Cell) Email: Married: Yes No
County Client Resides In Current Housing Situation: Have you been a homeowner within the
last three years:
Job Duration: Farm Work: Yes No Veteran: Yes No
Job Duration: Farm Work: Yes No Veteran: Yes No
SINGLE RACE:
American Indian / Alaskan Native
Black / African American
Native Hawaiian / Pacific Islander
Asian
White
Choose Not To Respond
Doctoral or Professional Degree
Master’s Degree
Bachelor’s Degree
Associate’s Degree
Post Secondary Non-Degree Award
Some College, No Degree
High School Diploma or Equivalent
Less Than High School
HOUSEHOLD TYPE:
Single Adult
Female - Single Parent
Male - Single Parent
Married with Children
Married without Children
Two or More Unrelated Adults
Other
MULTI RACE:
American Indian / Alaskan Native and White
Asian and White
Black / African American and White
Native Hawaiian / Pacific Islander and Black African
American
Other Multi-Race
FOR STATISTICAL PURPOSES CIRCLE OR CHECK THE APPROPRIATE ANSWER AS IT APPLIES TO THE CLIENT
FOR STATISTICAL PURPOSES PLEASE INDICATE CLIENTS HIGHEST LEVEL OF EDUCATION:
Ethnicity:
(You must select one)
Hispanic
Non-Hispanic
Choose not to respond
Gender:
Own Rent
Homeless Living w/Family
Yes No
Male Female
Disabled: Yes No
Page 1 of 2Updated 03 /2018
List ALL Household Members including Client and ALL Sources of income for adult members of the houshold. Include
unearned income of minor children DO NOT include earned income of minor children. INCOME SOURCES: Wages,Veteran
Benefits, Unemployment, SSI, Social Security Benefits, Retirement, Public Assistance, Military, Child Support, Alimony,
OTHER: Amounts must be broken down per category per recipient.
Name:
Total Household Income:
(Excluding Minor Children)
Date
of Birth
If
Highschool
Student
Gross Annual Income
$
Primary Source of Income
Relationship to Client
Client
Co-Client
Section 2
: Must be completed for all clients
Section 3: Must be completed for ALL Counseling Services
How did the client hear about Homeownership Counseling Programs?
If client is looking to purchase a home, list the country they intend to reside in:
I hereby certify that the information given above is accurate and complete. I understand that if information I provide is discovered to be false
or misleading, my participation may be denied or terminated.
Referral from Department of Human Services
Referral from Lender
Referral from a Real Estate Professional
Printed Name
Printed Name
Printed Name
Printed Name
Signature
Signature
Signature
Signature
Date
Date
Date
Date
Referral from Community Organization
Referral from Friend / Relative
Referral from a Habitat
Walk-in Self- Referral
Radio, TV, or PSA
Other
Section 4: To be completed by National Faith Housing Education Certified Counselor
I certify that services are compliant and were provided in-line with MSHDA’s Housing Education Program Guidelines.
Counselor: Counselor: Veryifying
Information:
Date:
Page 2 of 2Updated 03/2018
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PERSONAL INFORMATION
Updated 03/2018
If residing at present address for less than two (2) years, or you have a secondary residence, please complete the following;
If employed in current position for less than 2 years, or if currently employed in more than one position please
complete the following
Employment Information
PREVIOUS / SECOND ADDRESS PREVIOUS / SECOND ADDRESS
APPLICANT CO-APPLICANT
APPLICANT CO-APPLICANT
Own Rent ( No. Years) Co-Op
Name & Address of Employer:
Name & Address of Employer:
Name & Address of Employer:
Name & Address of Employer:
Employment Dates / Business Open Since:
Employment Dates / Business Open Since:
Employment Dates / Business Open Since:
Employment Dates / Business Open Since:
Position, Title, Type of Business:
Position, Title, Type of Business:
Position, Title, Type of Business:
Position, Title, Type of Business:
Supervisor or Contact Person :
Supervisor or Contact Person :
Are you a U.S. Citizen Yes No
Member Signature
Photo/Audio/Video Release
I hereby irrevocably consent to and authorize the reproduction, publication and any other use by National Faith HomeBuyers, its likeness and assigns, of the photographs/audio/
video identified below, in whole or part in conjunction with other photographs/audio/video, in any medium and for any lawful purpose, including illustration, promotion,
advertising or web content, without any royalty or compensation to me. I assign to NFHB any and all rights of ownership of the photographs/audio/video, the transparencies or
digital files thereof, and agree that NFHB has full rights to copyright, use and publish the same in print and/or electronically, will full right of lawful disposition in any manner.
I waive any right to notice, inspection, or approval of any use of the photographs/audio/video which NFHB, may or authorize, and I release NFHB and its licenses and assigns
from any claim or liability arising from or in connection with NFHB’s use of the photograph/audio/video or any alteration, processing or use thereof in composite form, whether
intentional or otherwise.
If not a U.S citizen, what is your country of origin? Prefered Lanugage?
Co-Member / Spouse Signature
Supervisor or Contact Person :
Supervisor or Contact Person :
Phone:
Phone:
Phone:
Phone:
Self-Employed
Self-Employed
Self-Employed
Self-Employed
Own Rent ( No. Years) Co-Op
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National Faith HomeBuyers hereby provides notification to all clients attending HomeBuyers Education class
that you are; free to obtain housing counseling from any agency of your choice, and you are not obligated to
use the programs and services of our agency, our partners or affiliates.
NFHB does not have a direct interest in the client as; a landlord, a broker, or a creditor, and will not have a
financial interest in, services or underwriting a mortgage, does not own and will not purchase your property,
and if you want to purchase a home NFHB will not be a collection agent for your mortgage lender or creditor.
In addition, NFHB does not suggest or encourage that you use the services of the guest speakers presenting
at NFHB’s orientation and home buyer education class. These speakers are invited to speak solely for
education purposes.
Applicant Signature:________________________________________
Co-Applicant Signature: _____________________________________
Date: ________________________
Conflict of Interest Statement-Orientation & HomeBuyer Education Classes
www.nationalfaith.org
Detroit: 615 Griswold St., Suite 506| Detroit, MI 48226
Westland: 32150 Dorsey St., Suite 16, | Westland MI 48186
Phone: 313.255.9500 | Fax: 313.255.9555
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RELEASE OF INFORMATION
& COUNSELING AGREEMENT
Updated 03/2018
In signing this agreement and release, I am agreeing to actively participate in the Homeownership Counseling Program offered by National
Faith Homebuyers (Agency) in order to receive counseling services. Participation in this program is voluntary and requires me to establish
the reason for my delinquency, as well as to develop an Action Plan in cooperation with an NFHB Counselor, and it is my understanding
that I will receive a copy of that Action Plan.
1. I may be referred to other housing services of the organization or another agency as appropriate that may be able to assist with
particular concerns that have been identified. I understand that I am not obligated to use any of the services offered to me.
2. I understand that this Agency receives funds through various local, state and federal agencies and as such is required to share
some of my personal information with the program administrators or their agents for purposes of program monitoring, compliance
and evaluation.
3. If the services received from this agency are funded by the above referenced agencies, I give my permission for program ad-
ministrators and/or evaluators to follow-up with me for up to three (3) years from the date of this signed form for the purposes of
program evaluation.
4. I understand that a counselor may answer questions and provide information, but cannot give legal advice. If I want legal advice, I
will be referred to an attorney for appropriate assistance.
5. I understand that this Agency provides both pre-purchase and post-purchase counseling services and I will receive a written Action
Plan consisting of recommendations for handling my finances, possibly including referrals to other housing agencies or organiza-
tion as appropriate.
6. I understand that this Agency provides information and education on numerous housing programs and loan products, and I further
understand that the housing counseling I receive from the Agency in no way obligates me to choose any of these particular hous-
ing programs or loan products.
Failure to sign the consent form may result in denial of program assistance or termination of counseling benefits.
CONSENT: I/We hereby allow this Agency, its agents, employees or its affiliates to request and obtain income and asset information,
mortgage, credit bureau and personal information pertinent to National Faith Homebuyers Counseling Program. I/We allow contact to be
made on my/our behalf with representatives from mortgage, attorney, collection and credit bureau companies.
For Pre-Purchase Counseling Services only:
I acknowledge the agency provided me with both HUD Inspection Documents: “Ten Important Questions to Ask a Home Inspec-
tor” and “For Your Protection Get a Home Inspection.”
Note: If you feel you have been unfairly steered or pressured into a certain mortgage loan, real estate, or other housing related services,
please contact 313-255-9500.
Printed Name
Printed Name
Counselor’s Printed Name
Signature
Signature
Signature
Date
Date
Date
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Credit Report Authorization Form
March 2018
National Faith HomeBuyers, (hereafter referred as “NFH”) has requested and authorized by the undersigned
grantor to review his/her, financial affairs, budgets, outstanding accounts, obligations and debt. The grantor
authorizes NFH to obtain and disclose information, pertaining to the amount, nature and particulars relating to
his/her obligation, income, financial status and other pertinent data. The grantor directs and authorizes NFH to
examine the Credit Profile and to obtain a consumer credit report through a credit reporting agency chosen by
NFH, and to make that information available to the grantor. I understand, and agree that NFH intends to use
the consumer credit report for the purpose of evaluating my financial readiness to purchase a home.
The grantor agrees and understands that the information he/she is requesting is governed by the Fair Credit
Reporting Act (15 USC 181 ET Seq.) as it may be amended from time to time. The information requested
would be for Consumer Disclosure Purposes only; not for “credit granting purposes” and/or “credit repair”.
Requesting or receiving credit profiles for other than legitimate purposes may, as a violation of the Fair Credit
Reporting Act, create a civil cause of action in addition to the penalties under the Fair Credit Reporting Act
which are currently a fine of not more than $5,000 or imprisonment for not more than (1)year or both.
The grantor agrees to hold harmless NFH and any recipient of this directive from any and all suit, action, claim
demand or litigation arising out of or because of any application presented herewith and any or all services,
which may be provided.
My signature below authorizes the release to the credit reporting agency of financial information which I have
supplied to NFH in connection with such evaluation. Authorization is further granted to the credit reporting
agency to use as a Photostat reproduction of this form if required to obtain any information necessary to
complete my consumer credit report.
Client’s Name (PRINT) Client’s Name (PRINT)
Client’s Signature Client’s Signature
Social Security Number Social Security Number
Date Date
Detroit: 615 Griswold St., Suite 506| Detroit, MI 48226
Westland: 32150 Dorsey St., Suite 16, | Westland MI 48186
Phone: 313.255.9500 | Fax: 313.255.9555
www.nationalfaith.org
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Purpose of Housing Counseling: I understand that the purpose of the housing counseling program is to provide
one-on-one counseling to help customers fix those problems that prevent affordable mortgage financing. The
counselor will analyze my financial and credit situation, identify those barriers preventing me from obtaining afford-
able mortgage financing, and develop a plan to remove those barriers. The counselor will also provide assistance
in management with the preparation of a monthly and manageable budget plan. I understand that it will not be the
responsibility of the counselor to fix the problems for me, but rather provide guidance and education to empower
me in fixing these issues preventing affordable mortgage financing.
Eligibility Criteria: I understand that National Faith Homebuyers provides housing counseling assistance to cus-
tomers whose problem can be resolved in 24 months or less. I understand that if it is determined my issues will
take longer than 23 months to fix, I will be referred to a long-term housing counseling program.
Homeownership Education Classes: I understand that as part of the housing counseling program, I will be
required to participate in homeownership education.
Customer’s Responsibility: I understand that it is my responsibility to work in conjunction with the counseling
process and that failure to cooperate will result in the discontinuation of my counseling program. This includes but
is not limited to missing three consecutive appointments.
Our Services Are:
Pre-Purchase One-on-One Counseling
Fair Housing Pre-Purchase
Predatory Lending Education
Pre-Purchase Home Education
Mortgage Delinquency and Default Resolution
Resolving or Preventing Mortgage Delinquency
Financial Management/Budgeting for Homeowners
*No customer is obligated to receive any additional other services offered by National Faith Homebuyers or our
partners.
Applicant Signature___________________________________________ Date______________________
Co-Applicant Signature_________________________________________ Date____________________
PROGRAM DISCLOSURE
March 2018
Detroit: 615 Griswold St., Suite 506| Detroit, MI 48226
Westland: 32150 Dorsey St., Suite 16, | Westland MI 48186
Phone: 313.255.9500 | Fax: 313.255.9555
www.nationalfaith.org
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PRIVACY POLICY
March 2018
National Faith Homebuyers, a HOMEFREE sub-grantee for the Project Reinvest: Financial Capability Program, is committed
to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns you
bring to us are highly personal in nature. We assure you that all information shared both orally and in writing will be managed
within legal and ethical considerations. Your “nonpublic personal information” such as your total debt information, income,
living expenses and personal information concerning your financial circumstances, will be provided to creditors, program moni-
tors, and others only with your authorization and signature on the National Faith Counseling Agreement. We may also use
anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research informa-
tion and designing future programs.
Types of Information that we gather about you:

security number, assets and income;

history, parties to transactions and credit card usage; and

You may opt-out of certain disclosures:
1. You have the opportunity to “opt-out” of disclosures of your nonpublic personal information to third parties(such as your
creditors)that is, direct us not to make those disclosures
2. If you choose to “opt-out”, we will not be able to answer your questions from your creditors. If at any time you wish to
change your decision with regard to your “opt-out”, you may call us and do so.
Release of your information to third parties:
1. So long as you have not opted-out, we may disclose some or all information that we collect, as described above, to your
creditors or third parties where we have determined that it would be helpful to you, would aid us in counseling you, or is a
requirement of grant awards which make our services possible.
2. We may also disclose any nonpublic personal information about you or former customers to anyone as permitted by law
(e.g. if we are compelled by legal process).
3. Within our organization, we restrict access to nonpublic personal information about you to those employees who need to
know that information to provide services to you. We maintain physical, electronic and procedural safeguards that comply
with federal regulations to guard your nonpublic personal information.
I Agree Signature
I Choose to Opt Out Date
Detroit: 615 Griswold St., Suite 506| Detroit, MI 48226
Westland: 32150 Dorsey St., Suite 16, | Westland MI 48186
Phone: 313.255.9500 | Fax: 313.255.9555
www.nationalfaith.org
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Dear Prospective Homebuyer;
Thank you for your interest in National Faith Homebuyers. National Faith is a nonprofit housing counseling agency dedicated to
helping you achieve sustainable homeownership.
National Faith Homebuyers offers the following services:
Homebuyer Education – Pre-purchase education provides general information about the home buying process either in a group
setting or within your home through the Internet. The information provided includes down-payment assistance, closing costs, home
inspections, credit readiness and but not limited to financing options.
Pre-Purchase Counseling – assists with resolution of barriers of homeownership though one-on-one counseling. This includes
and evaluation of financial status and readiness for homeownership.
Fair Housing – prohibits discrimination and the intimidation.
Predatory Lending – is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that
convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a bor-
rower doesn’t need, doesn’t want or can’t afford.
Post-Purchase Education & Counseling – provides knowledge, names and contacts of experts in homeownership specialty fields
that enable the customer to gain insight and understanding.
Mortgage Delinquency and Default Resolution – provides assistance for people who are unable to make their mortgage pay-
ments and at risk of losing their homes through foreclosure or who are already in the foreclosure process.
Budgeting and Financial Management – provides budgeting and financial management techniques.
If you are currently working with a Real Estate Professional, please provide us with their contact information, to enable us to main-
tain contact during your journey to homeownership.
If you do not have a relationship with a Realtor you can contact a Real Estate Professional you can contact one with the credentials
and qualifications required to assist you in first time home buying programs and services available to you.
We look forward to working with you and supporting you in realizing your homeownership reality.
Respectfully,
Keisha Sanders Hajdu
CEO
www.nationalfaith.org
Detroit: 615 Griswold St., Suite 506| Detroit, MI 48226
Westland: 32150 Dorsey St., Suite 16, | Westland MI 48186
Phone: 313.255.9500 | Fax: 313.255.9555
If you cannot locate the above needed items, please don’t let that stop you from submitting
your application. If you have any questions about the above items give us a call.
www.nationalfaith.org
Below is a list of items needed in evaluating your present financial and credit situation. Please bring in as many of
these items as possible. If you cannot locate a specific item, let us know and we will try another way to locate the
material. Please remember that when we evaluate your situation, we only have the information that is provided by
you.
ITEMS NEEDED
(Please bring only the items that relate to your situation)
The most recent two years of tax returns and your W2’s
Current pay stubs – they must show year to date earnings
If currently receiving child support – a current Friend of the Court letter or pay stub showing
amount of support currently receiving
Disability Verification(s)
List of debts – including name, address, account number(s), balances, and payment amounts
Employers name, address, and phone number(s) for the last two years
Most recent three months of bank statements, and copy of any passbook savings
Letter explaining derogatory and/or negative credit
Explanation of any gaps in employment
Bankruptcy Discharge paperwork, and written explanation
Credit report – if not more than 90 days old
Other – information that you feel is relevant to your financial/credit situation
Detroit: 615 Griswold St., Suite 506| Detroit, MI 48226
Westland: 32150 Dorsey St., Suite 16, | Westland MI 48186
Phone: 313.255.9500 | Fax: 313.255.9555
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Virtual Home Buyers Class

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