DISCLOSURE & AUTHORIZATION
Purpose of HOMEteam Financial Counseling Program
HOMEteam is a collaboration of NeighborWorks Southern New Hampshire (NWSNH) and Lakes Region Community Developers (LRCD). I understand that the purpose of HOMEteam is to provide general information, counseling, and education to me regarding personal financial topics. These topics may include but are not limited to: automobile purchase, financial capabilities; loan default. I understand that neither participation in any of HOMEteam’s services nor referral to any lenders or other professionals guarantees that I or my family will obtain a loan, find a suitable home, or be able to obtain other services related to purchasing, financing, or maintaining an automobile.
I agree to provide information to HOMEteam about my demographics, financial affairs, income, employment, rental history, credit history, and details of my automobile purchase. I agree it is my responsibility to be truthful and accurate, to take responsibility for my own learning, and to ask questions if there is anything I do not understand. I understand that I will work with a counselor to develop an action plan specific to my needs, which may consist of recommendations for handling my finances and possibly include referrals to other agencies as appropriate.
I understand that HOMEteam will share information with me about loan products, lending or servicing institutions, and other professional services related to locating, purchasing, and/or maintaining an automobile. I understand that my participation in any of HOMEteam’s services is voluntary and that I am under no obligation to follow HOMEteam’s recommendations if I do not wish to. I understand that I may submit an application to any lending or servicing institution at any time, and to shop for an automobile or any other financial services at any time, and that all decisions regarding HOMEteam’s services are my own.
Authorization to Share Information
I authorize HOMEteam to share both identifying and non-identifying demographic and other information I have provided to funders that include, but may not be limited to
Take the Wheel NH
Neighborhood Reinvestment Corporation
NeighborWorks America
New Hampshire Community Loan Fund
New Hampshire Housing Finance Authority
Department of Housing and Urban Development (HUD) and their programs
NeighborWorks Southern New Hampshire
Lakes Region Community Developers
Franklin Savings Bank
Grappone Automotive Group
Other HOMEteam funders and partners.
Under no circumstances will my name or address be shared, sold, or otherwise disclosed by HOMEteam to any person or organization for purposes of solicitation or fundraising unless I explicitly authorize such use in writing.
I understand that my name will be entered into the HOMEteam’s databases and that I may from time to time receive newsletters, announcements, invitations, email correspondence, and the like from HOMEteam and/or its partner member organizations. I understand that I may also receive solicitations to voluntarily support HOMEteam and its programs but that I am under no obligation to provide financial support. If I do not wish to be on the mailing lists and/or on the solicitation lists, I will so indicate by marking this paragraph with my initials.
Information Shared with Mortgage Lenders; Servicers; and other transaction-related institutions
I grant permission for HOMEteam to share information about me with any institution that receives an application from me, and also grant permission for the
institution to provide a copy of any application and/or supporting documentation to HOMEteam for the purposes of financial skills counseling. If I purchase a home or automobile after receiving HOMEteam services I authorize HOMEteam to obtain a copy of settlement statement (HUD-1 or Closing Disclosure) from my lender or closing agent. HOMEteam has my permission to contact me about any services I received from them for the purposes of collecting information about the outcomes that resulted from my receiving those services. They may, also contact me to offer other services they consider may be of benefit to me.
HOMEteam Not Responsible for Third Parties
I am aware that insurance, lender, servicers, and other professionals participating in HOMEteam services may obtain my name and other information from me directly in order to offer their professional services, but that I am under no obligation to provide such information nor to purchase goods or services from them. Should I have a dispute related to one of these professionals, I understand that HOMEteam is not responsible and that my concerns must be addressed with the professional, any licensing authority, or an attorney I may engage.
NeighborWorks Southern New Hampshire (NWSNH), CATCH Neighborhood Housing (CATCH), and Lakes Region Community Developers (LRCD) as Owner and/or Lender
I understand that NWSNH and LRCD are owners of the property and that my participation in HOMEteam’s services in no way qualifies me for, nor obligates me to rent property nor purchase properties from either NWSNH or LRCD. However, should I wish to rent such property, I understand that there are additional conditions beyond participating in HOMEteam’s services that I must meet in order to do so.
Confidentiality
I have received and reviewed the HOMEteam Privacy Notice. I understand that all those counseled by HOMEteam staff are entitled to confidentiality during education and counseling sessions with HOMEteam staff. However, should HOMEteam counselors learn of illegal behavior or activities during such sessions, HOMEteam may be obligated under state and federal law to report that behavior to law enforcement authorities.
Hold Harmless
I do hereby for myself, my heirs, successors, and/or assigns forever release, indemnify and hold harmless HOMEteam, NWSNH, LRCD, Franklin Savings Bank, Grappone Automotive, its employees, and volunteers from any liability or cause of action arising from the services I receive. All services and products are subject to change or withdrawal without notice.