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An innovative approach toproviding all of the servicesand training that customersneed in one location toshop for, purchase,rehabilitate, insure, andmaintain a home.NeighborWorks HomeOwnership CenterofDutchess County313 Mill StreetPoughkeepsie, NY 12601845.454.9288 (phone)845.471-1632 (fax)www.hudsonriverhousing.orgOUR LOCAL PARTNERSNeighborWorks AmericaBank of AmericaCitizen’s BankCity of PoughkeepsieDutchess County Real Estate BrokersFirst NiagaraM&T BankNYS Office of the Attorney GeneralPrivate DonorsRhinebeck BankTD BankTrustco BankUlster Savings BankHudson Valley Federal Credit UnionNHC-DC is a project of Hudson River Housing, Inc.CENTER STAFFMary F. LingeDirector of Real Estate DevelopmentLashonda DensonHomeownership Center ManagerKim GiannaHousing CounselorLeona O’ConnellHousing CounselorKevin DomanskiHousing Counselor
COURSES & SERVICESCredit & Budget CounselingOne-on-one counseling is offered forcustomers in need of assistance in raising their credit score to pre-qualify for amortgage.Methods in calculatinghousehold income and expenses leads tosetting goals and making an action planto meet them.Financial FitnessPre-PurchaseCounselingPre-Purchase Fast TrackYour Housing Counselorwill help to prepare you topurchase a home throughpersonal one-on-one counseling sessions.Your Housing Counselorwill maintain a relationshipwith you throughout theentire home buying processThis program is a timecondensed version of TheHome Club, and is onlyavailable to individuals andfamilies that are currently inthe mortgage process with alender. Sessions arescheduled on an as neededbasis.Keys toHomeOwnershipThis course is designed to teach individuals and families how to decrease The goal of this course is to assistdebt and increase savings. Partici- first-time homebuyers in identifypants will gain an understanding of ing barriers to pre-qualifying forexpenses, financial resources, how a mortgage and setting goals tocredit works and how to correctovercome them. This one-hourdeficiencies. This 3 hour course isclassroom session is followed upfollowed up with a one-on-one fol- with a one-on-one session with alow-up session with a housing coun- housing counselor to set a path toselor to review personal credit reporthomeownership.and set goals for a stronger financial.future.The ABC’s of Being a LandlordThis one-hour course is designed to assisthome buyers decide if they want to pursueowning a multi-family home. The course is abasic overview of the rewards, risks andresponsibilities of being a landlordLandlord TrainingThis service is offered to anyone who is inthe process of buying an owner-occupiedmulti-family home. The one-on-onesession details the variables involved inbecoming a landlord.Grant Eligibility& EducationThe Federal Home Loan Bankof New York offer grants forfirst-time homebuyers to usetowards down payment and/or closing cost assistance.Your Housing Counselor willexplain what grants arecurrently available and assist indetermining if your householdis eligible.THE HOME CLUBThe goal of this course is to provide homebuyers with comprehensive information on the entire home buying process in order to be secure in their newhome purchase.This course meets one night permonth for 90 minutes over a five-month period and feature localexperts. involved in the homebuying process.Foreclosure PreventionCounselingA program that provides foreclosure prevention counselingservices to homeowners facingdifficulty meeting theirmortgage obligationStrategies toAvoid ForeclosureThis workshop is designed tohelp participants understand theforeclosure process in New YorkState, and also outlines whatoptions there are toprevent foreclosure.
Hudson River Housing, Inc.NeighborWorks HomeOwnership Centerof Dutchess County313 Mill StreetPoughkeepsie, NY 12601845.454.9288 phone845.485.1641 faxDear Future Homeowner,Thank you for inquiring about our home buyer education program. This will bean exciting time for you, and it is our privilege to guide you through this journey. Theenclosed brochure outlines the comprehensive programs and services offered through theNeighborWorks HomeOwnership Center of Dutchess County. Hudson River Housingprovides all of the services and training that customers need to shop for, purchase,rehabilitate, insure and maintain a home. To date, HRH has assisted over 1,000households in obtaining their first home. We look forward to working with you to designa blueprint for your path to homeownership.The first step will be to obtain your credit report and enroll you in our “Keys toHomeownership” class. These two have a combined fee of * 45. Payment can be made bymail (check or money order made out to Hudson River Housing), phone (credit or debitcard), or in person (check, money order, debit/credit card or cash). All contact informationfor us is above.To get started, please complete & sign the enclosed enrollment form (front andback) and Service Delivery Agreement. Return them with your payment. Oncereceived, we will be in touch to register you for your first class.Please call if you have any questions. We look forward to working with you!Sincerely,Lashonda DensonHousing CounselorEnc.* If you have a copy of your credit report, please include it when you return yourenrollment form and deduct 20 from your payment (submit only 25 at thistime.)NHC-DC Enrollment2/18/2019
NeighborWorks HomeOwnership Center of Dutchess County EnrollmentParticipant:First NameM.ILast NameStreet AddressStateZip CodeCityCountyMailing AddressStateZip CodeCityCountyHome PhoneCell Phone(())AgeE-MailWork PhoneBirthdate US Citizen Foreign Born Resident Alien OtherCitizenshipMilitary Status Active Veteran NoneHomeowner Paying a Mortgage Yes No()Social Security #Marital StatusEducationRenter Paying Rent?Disabled?YesNo Single Married Separated Divorced Primary HS/GED College Vocational None Yes NoRace/National Origin:You are not required to furnish this information, but are encouraged to do so. You may not be discriminated against on the basis of this information, nor on whether you chose to furnish it. If youfurnish this information, please provide both the ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race or sex, it is required by Federal regulations to note the informationon the basis of visual observation or surname. If you do not wish to furnish the information, please indicate belowI do not wish to furnish this information American Indian/Alaskan Native Asian Black or African American Native Hawaiian or Pacific Islander WhiteSex Hispanic/Latino Not Hispanic/Latino Male Female Other/Non-Conforming OtherCo-Participant:First NameM.ILast NameStreet AddressStateZip CodeCityCountyMailing AddressStateZip CodeCityCountyHome PhoneCell PhoneAge(())Work PhoneE-MailBirthdate US Citizen Foreign Born Resident Alien OtherMilitary Status Active Veteran NoneHomeowner Paying a Mortgage Yes NoCitizenship()Social Security #Marital StatusEducationRenter Paying Rent?Disabled?YesNo Single Married Separated Divorced Primary HS/GED College Vocational None Yes NoRace/National Origin:You are not required to furnish this information, but are encouraged to do so. You may not be discriminated against on the basis of this information, nor on whether you chose to furnish it. If youfurnish this information, please provide both the ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race or sex, it is required by Federal regulations to note the informationon the basis of visual observation or surname. If you do not wish to furnish the information, please indicate belowI do not wish to furnish this information American Indian/Alaskan Native Asian Black or African American Native Hawaiian or Pacific Islander WhiteSex Hispanic/Latino Not Hispanic/Latino Male Female Other/Non-Conforming OtherList Additional Household Members And Dependents (Do not include Participant and Co-Participant)First & Last NameAgeDOBRelationshipHousehold1Y NDependentY NEarning IncomeY N2Y NY NY N3Y NY NY N4Y NY NY N5Y NY NY N6Y NY NY N7Y NY NY N8Y NY NY N1 of 2
NeighborWorks HomeOwnership Center of Dutchess County EnrollmentParticipant Full Time EmploymentParticipant Second/Part-Time/Seasonal EmploymentEmployer NameMailing AddressCityEmployer NameMailing AddressCityStateHR Phone #Date StartedBusiness TypeTrade UnionZipHR Phone #PositionYesNoSelf EmployedStateDate StartedBusiness TypeYesNoTrade UnionZipPositionYesNoSelf EmployedYesNoPay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck Pay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck Co-Participant Full-Time EmploymentCo-Participant Second/Part-Time/Seasonal EmploymentEmployer NameMailing AddressCityEmployer NameMailing AddressCityStateHR Phone #Date StartedBusiness TypeTrade UnionZipPositionYesNoSelf EmployedYesNoPay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck Other IncomeTypeAlimony/Child /DividendsPublic AssistanceStateZipHR Phone #Date StartedBusiness TypePositionTrade UnionYesNoSelf EmployedYesNoPay FrequencyWeekly Bi-Weekly Monthly Bi-Monthly AnnuallyGross Pay per paycheck P/CMonthly AmountCommentsTypeP/CMonthly Amount SS/SSI/SSD Unemployment VA Benefits Worker’s Comp. Other List All Prior Job Periods of Unemployment From This Year and Last (account for all of last years W-2s and 1099s)Employer/AgencyP/CPosition/ StatusStart DateCommentsEnd DateI/We authorize NeighborWorks HomeOwnership Center of Dutchess County to obtain a credit report in connection with my/our request to enroll in the program. I/weunderstand that this is not an application for credit and that the enrollment in this program does not guarantee approval of any mortgage for which I/we may apply.Furthermore, I/we authorize NeighborWorks Homeownership Center of Dutchess County to share the information provided by me/us on this enrollment form withfinancial institutions, their subsidiaries and partners.Participant’s SignatureHow Did Your Hear About UsNHC-DC customerLegal Services of the Hudson ValleyA Hudson River Housing programWalk-inDateHudson River Housing Web siteReferred by a bankIf yes, bank nameReferred by a realtorIf yes, realtor name2 of 2Co-Participant’s SignatureHUD/Fannie MaeRadio/TVBillboardOther (please explain)Date
Hudson River Housing, Inc.Privacy PolicyNeighborWorks HomeOwnership Center of Dutchess County is committed to assuringthe privacy of individuals and/or families who have contacted us for assistance. Werealize that the concerns you bring to us are highly personal in nature. We assure you thatall information shared both orally and in writing will be managed within legal and ethicalconsiderations. Your “nonpublic personal information,” such as your total debtinformation, income, living expenses and personal information concerning your financialcircumstances, will be provided to creditors, program monitors, and others only with yourauthorization. We may also use anonymous aggregated case file information for thepurpose of evaluating our services, gathering valuable research information anddesigning future programs.Types of information that we gather about you Information we receive from you orally, on applications or other forms, such as yourname, address, social security number, assets, and income; Information about your transactions with us, your creditors, or others, such as youraccount balance, payment history, parties to transactions and credit card usage Information we receive from a credit reporting agency, such as your credit history.You may opt-out of certain disclosures1. You have the opportunity to “opt-out” of disclosures of your nonpublic personalinformation to third parties (such as your creditors), that is, direct us not to makethose disclosures.2. If you choose to “opt-out”, we will not be able to answer questions from yourcreditors. If at any time, you wish to change your decision with regard to your “optout”, you may call us at (845) 454-9288 and do so.Release of your information to third parties1. So long as you have not opted-out, we may disclose some or all of the information thatwe collect, as described above, to your creditors or third parties where we havedetermined that it would be helpful to you, would aid us in counseling you, or is arequirement of grant awards which make our services possible.2. We may also disclose any nonpublic personal information about you or formercustomers to anyone as permitted by law (e.g., if we are compelled by legal process).3. Within the organization, we restrict access to nonpublic personal information aboutyou to those employees who need to know that information to provide services toyou. We maintain physical, electronic and procedural safeguards that comply withfederal regulations to guard your nonpublic personal information.Hudson River Housing, Inc.NeighborWorks HomeOwnership Center of Dutchess County
Hudson River Housing, Inc,Pre-Purchase Service DeliveryOur staff has been specially trained in Pre-Purchase Counseling and Education. Hudson River Housing offers a full range ofeducational services designed to prepare you to purchase and maintain a home. You will be assigned a Housing Counselor toassist you in assessing your situation and gaining a full understanding of what options may be available to you.WHAT HRH STAFF WILL DO At the appointment with the Housing Counselor, HRH will:1.) Conduct ourselves in a professional manner, maintaining respect and confidentiality with all parties.2.) Gather and analyze the documents we requested from you to obtain an accurate assessment of your current situation.3.) Review your current Credit Report to obtain an accurate review of your obligations.4.) We will analyze your monthly income and expenses, based on the household budget information you provided.5.) Create and deliver an action plan to identify specific recommendations for tasks that can be carried out by you goingforward.6.) May refer to other housing services of HRH or another agency or agencies as appropriate that may be able to assistwith particular concerns that have been identified. The customer is not obligated to use or purchase any of theservices offered.7.) May provide information and education on numerous loan products and housing programs as appropriate.Thecustomer is in no way obligated to choose any of these particular loan products or housing programs.WHAT HRH STAFF WILL NOT DO 1.) Make decisions for you.We will do our best to ensure that you understand all of the options available to you, but we will not take responsibility forany decisions made. That responsibility rests solely with you.2.) Give legal advice.As Housing Counselors, we are frequently asked questions that should only be answered by qualified attorneys. It is not ourdesire to withhold information, but we simply cannot offer advice, or opinions on legal matters.HRH Customer Rights & ResponsibilitiesA resolution cannot be reached without the active participation of the customer. Therefore, the customer is responsible to:1.) Treat all parties with courtesy and respect.2.) Provide accurate and complete information.CUSTOMER AFFIRMATIONI have read the HRH Customer Service Agreement. I request to participate in this program, with a fullunderstanding of the parameters, procedures and responsibilities described herein.BorrowerCo-BorrowerDateHRH StaffHudson River Housing Inc.NeighborWorks HomeOwnership Center of Dutchess County
HomeOwnership Center of Dutchess County An innovative approach to providing all of the services need in one location to shop for, purchase, rehabilitate, insure, and maintain a home. 313 Mill Street Poughkeepsie, NY 12601 845.454.9288 (phone) 845.471-1632 (fax) www.hudsonriverhousing.org
