First Time Homebuyer Program ... - Hudson River …

NeighborWorks? HomeOwnership Center

of Dutchess County

An innovative approach to providing all of the services and training that customers

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)



OUR LOCAL PARTNERS

NeighborWorks? America Bank of America Citizen's Bank City of Poughkeepsie Dutchess County Real Estate Brokers First Niagara

M&T Bank NYS Office of the Attorney General Private Donors Rhinebeck Bank TD Bank Trustco Bank Ulster Savings Bank Hudson Valley Federal Credit Union

NHC-DC is a project of Hudson River Housing, Inc.

CENTER STAFF

Mary F. Linge Director of Real Estate Development

Lashonda Denson Homeownership Center Manager

Leona O'Connell Housing Counselor

Kim Gianna Housing Counselor

Kevin Domanski Housing Counselor

COURSES & SERVICES

Credit & Budget Counseling

One-on-one counseling is offered for customers in need of assistance in raising their credit score to pre-qualify for a mortgage. Methods in calculating household income and expenses leads to setting goals and making an action plan to meet them.

Pre-Purchase Counseling

Your Housing Counselor will help to prepare you to purchase a home through personal one-on-one counseling sessions. Your Housing Counselor will maintain a relationship with you throughout the entire home buying process

Pre-Purchase Fast Track

This program is a timecondensed version of The Home Club, and is only available to individuals and families that are currently in the mortgage process with a lender. Sessions are scheduled on an as needed basis.

Financial Fitness

This course is designed to teach individuals and families how to decrease debt and increase savings. Participants will gain an understanding of expenses, financial resources, how credit works and how to correct deficiencies. This 3 hour course is followed up with a one-on-one follow-up session with a housing counselor to review personal credit report and set goals for a stronger financial future.

Keys to HomeOwnership

The goal of this course is to assist first-time homebuyers in identifying barriers to pre-qualifying for

a mortgage and setting goals to overcome them. This one-hour classroom session is followed up with a one-on-one session with a housing counselor to set a path to

homeownership. .

THE HOME CLUB

The goal of this course is to provide homebuyers with comprehensive information on the entire home buying process in order to be secure in their new home purchase. This course meets one night per month for 90 minutes over a five -month period and feature local experts. involved in the home buying process.

The ABC's of Being a Landlord

This one-hour course is designed to assist home buyers decide if they want to pursue owning a multi-family home. The course is a

basic overview of the rewards, risks and responsibilities of being a landlord

Landlord Training

This service is offered to anyone who is in the process of buying an owner-occupied

multi-family home. The one-on-one session details the variables involved in

becoming a landlord.

Grant Eligibility & Education

The Federal Home Loan Bank of New York offer grants for first-time homebuyers to use towards down payment and/

or closing cost assistance. Your Housing Counselor will explain what grants are currently available and assist in determining if your household is eligible.

Foreclosure Prevention Counseling

A program that provides foreclosure prevention counseling services to homeowners facing

difficulty meeting their mortgage obligation

Strategies to Avoid Foreclosure This workshop is designed to help participants understand the foreclosure process in New York State, and also outlines what options there are to prevent foreclosure.

Hudson River Housing, Inc.

NeighborWorks? HomeOwnership Center of Dutchess County

313 Mill Street Poughkeepsie, NY 12601 845.454.9288 phone 845.485.1641 fax

Dear Future Homeowner,

Thank you for inquiring about our home buyer education program. This will be an exciting time for you, and it is our privilege to guide you through this journey. The enclosed brochure outlines the comprehensive programs and services offered through the NeighborWorks HomeOwnership Center of Dutchess County. Hudson River Housing provides 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 1,000 households in obtaining their first home. We look forward to working with you to design a blueprint for your path to homeownership.

The first step will be to obtain your credit report and enroll you in our "Keys to Homeownership" class. These two have a combined fee of *$45. Payment can be made by mail (check or money order made out to Hudson River Housing), phone (credit or debit card), or in person (check, money order, debit/credit card or cash). All contact information for us is above.

To get started, please complete & sign the enclosed enrollment form (front and back) and Service Delivery Agreement. Return them with your payment. Once received, 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 Denson Housing Counselor

Enc.

* If you have a copy of your credit report, please include it when you return your enrollment form and deduct $20 from your payment (submit only $25 at this time.)

NHC-DC Enrollment

2/18/2019

Participant:

NeighborWorks? HomeOwnership Center of Dutchess County Enrollment

First Name

M.I

Last Name

Street Address State

Zip Code

City County

Mailing Address State

Zip Code

City County

Home Phone

( )

Cell Phone

( )

E-Mail

Work Phone

( )

Age

Birthdate

Social Security #

Disabled?

Yes No

Citizenship US Citizen Foreign Born Resident AlienOther

Military Status

Active Veteran None

Homeowner Paying a Mortgage Yes No

Marital Status Education Renter Paying Rent?

Single Married Separated Divorced Primary HS/GED College Vocational None

Yes No

Race/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 you

furnish 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 information on the basis of visual observation or surname. If you do not wish to furnish the information, please indicate below

I do not wish to furnish this information

American Indian/Alaskan Native Asian Black or African American Native Hawaiian or Pacific Islander

White

Hispanic/Latino Not Hispanic/Latino

Sex Male Female Other/Non-Conforming

Other

Co-Participant:

First Name

M.I

Last Name

Street Address State

Zip Code

City County

Mailing Address State

Zip Code

City County

Home Phone

( )

Cell Phone

( )

Work Phone

( )

E-Mail

Age

Birthdate

Social Security #

Disabled?

Yes No

Citizenship US Citizen Foreign Born Resident Alien Other

Military Status

Active Veteran None

Homeowner Paying a Mortgage

Yes No

Marital Status Education Renter Paying Rent?

Single Married Separated Divorced Primary HS/GED College Vocational None

Yes No

Race/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 you

furnish 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 information on the basis of visual observation or surname. If you do not wish to furnish the information, please indicate below

I do not wish to furnish this information

American Indian/Alaskan Native Asian Black or African American Native Hawaiian or Pacific Islander

White Other

Hispanic/Latino Not Hispanic/Latino

Sex Male Female Other/Non-Conforming

List Additional Household Members And Dependents (Do not include Participant and Co-Participant)

First & Last Name

Age

DOB

Relationship

Household

1

Y N

2

Y N

3

Y N

4

Y N

5

Y N

6

Y N

7

Y N

8

Y N

Dependent Y N Y N Y N Y N Y N Y N Y N Y N

Earning Income Y N Y N Y N Y N Y N Y N Y N Y N

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NeighborWorks? HomeOwnership Center of Dutchess County Enrollment

Participant Full Time Employment

Employer Name Mailing Address City

State

Zip

HR Phone #

Date Started

Business Type

Position

Trade Union

Yes No

Self Employed Yes No

Pay Frequency Weekly Bi-Weekly Monthly Bi-Monthly Annually Gross Pay per paycheck $

Co-Participant Full-Time Employment

Employer Name Mailing Address City

State

Zip

HR Phone #

Date Started

Business Type

Position

Trade Union Yes No

Self Employed Yes No

Pay Frequency Weekly Bi-Weekly Monthly Bi-Monthly Annually Gross Pay per paycheck $

Participant Second/Part-Time/Seasonal Employment

Employer Name Mailing Address City

State

Zip

HR Phone #

Date Started

Business Type

Position

Trade Union

Yes No

Self Employed Yes No

Pay Frequency Weekly Bi-Weekly Monthly Bi-Monthly Annually Gross Pay per paycheck $

Co-Participant Second/Part-Time/Seasonal Employment

Employer Name Mailing Address City

State

Zip

HR Phone #

Date Started

Business Type

Position

Trade Union

Yes No

Self Employed Yes No

Pay Frequency Weekly Bi-Weekly Monthly Bi-Monthly Annually Gross Pay per paycheck $

Other Income

Type

P/C Monthly Amount Comments

Type

P/C Monthly Amount

Alimony/Child Support

$

SS/SSI/SSD

$

Disability/Pension

$

Unemployment

$

Insurance/Annuity

$

VA Benefits

$

Interest/Dividends

$

Worker's Comp.

$

Public Assistance

$

Other

$

$

$

List All Prior Job Periods of Unemployment From This Year and Last (account for all of last years W-2s and 1099s)

Employer/Agency

P/C

Position/ Status

Start Date

Comments End Date

I/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/we understand 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 with financial institutions, their subsidiaries and partners.

Participant's Signature

Date

Co-Participant's Signature

Date

How Did Your Hear About Us

NHC-DC customer Legal Services of the Hudson Valley A Hudson River Housing program Walk-in

Hudson River Housing Web site Referred by a bank If yes, bank name___________________ Referred by a realtor If yes, realtor name_________________

HUD/Fannie Mae Radio/TV Billboard Other (please explain)

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