DISCLOSURE TO CLIENT FOR HUD HOUSING COUNSELING SERVICES
Habitat for Humanity of Kansas City offers the following housing counseling services: Pre-Purchase Counseling, Pre-Purchase Homebuyer Education, Non -Delinquency Post Purchase Counseling, Non- Delinquency Post Purchase Education, and Resolving and Preventing Mortgage Delinquency Counseling.
Pre-Purchase Counseling: Clients receive comprehensive individual counseling which covers understanding credit, budgeting, savings, and how to get mortgage ready. You will also receive a clear action plan developed to achieve your overall goal of homeownership.
Pre-Purchase Education: The client will learn the entire homebuying process from shopping for a Loan to closing on your mortgage loan. They will also learn how to get into the Habitat Home ownership Program, the 5 Cs of credit, and how to qualify for a mortgage through a bank.
Non-Delinquency Post Purchase Counseling: Clients receive comprehensive individualized counseling which covers: Avoiding predatory lending, raising your credit score, and developing a spending plan.
Non- Delinquency Post Purchase Education workshops which include basic home maintenance, Fair Housing and managing your credit.
Resolving and Preventing Mortgage Delinquency or Default Counseling: Clients will receive individualized assistance with preparing a crisis budget, understanding credit, the different types of loss mitigation options available. Clients will also be assisted with contacting their loan servicer and submission of hardship package to servicer.
Industry Partners:
Bank of America
BMO Bank
Central Bank of Midwest
Commerce Bank
Credit Law Center
First Bank
Hawthorne Bank
Holy Rosary Credit Union
Housing Authority of KC
JuneteenthKC
Keys Realty
Legal Aide
Murrell Homes
Reece Nichols
ReScore Your Life
UMB Bank
US Bank
No client Obligation: Participation in our HUD housing counseling services, does not obligate you in any way to receive, purchase, or use any other services offered by this agency, or by parties mentioned above, or any other party.
Face to face Counseling: As a direct result of the pandemic, one on one counseling sessions and workshops may be conducted virtually, if mutually agreed upon by counseling staff and client.
Alternatives: As a condition of our services, in alignment with your goals and in compliance with HUD’s Housing Counseling Program requirements, we must provide information on alternative services, programs and products if applicable and known.
I have read and received a copy of this disclosure.