Client Services Disclosure Form
Services Offered: Our agency provides the following HUD one-on-one housing counseling services.
Pre-Purchase Counseling: Clients receive comprehensive one-on-one counseling covering the entire home buying process. Clients also receive important material on home inspection and any other homeownership topic relevant to successfully purchasing and maintaining a home.
Non-Delinquency Post Purchase: Clients receive important information regarding successfully sustaining homeownership. Clients are assessed for individual needs and provided the information and tolls for their situation.
Resolving/Preventing Mortgage Delinquency and Default counseling: Client receive important information regarding foreclosure prevention options specific to their situation. Both retention and liquidation options are reviewed. Advisors assist all clients with creating a sustainable spending plan and a clear action plan to achieve their goals.
Financial Literacy and Pre-Purchase/Homebuyer Education: Participants will receive information on topics that will prepare the prospective homebuyer to make informed home purchase decisions. Topics include homebuyer readiness, money management, understanding credit, getting a mortgage loan, shopping for a home, sustaining homeownership and maintaining a home.
Our agency is funded by or has contractual relationships with HSCP, NFCC, local banks, local credit unions, City of Dayton, City of Kettering, Montgomery County, City of Trotwood, the Department of Housing and Urban Development, and others.
I understand that the housing counseling I receive from the HomeOwnership Center in non way obligates me to receive, purchase, or use any particular loan products, services or housing programs of an industry partner.
As a condition of our services, and in alignment with meeting our counseling goals, and in compliance with HUD's Housing Counseling Program requirements, we may provide information on alternative services, programs, and products available to you, if applicable, and know by our staff.
I understand that my participation in the housing counseling services does not guarantee any loan approval or approval for additional services or programs.
I acknowledge that I have received a copy of the HomeOwnership Center's Privacy Policy.
I have read and received a copy of this disclosure or it was verbally conveyed to me via telephone.
