HomeStart Program ApplicationHS

THANK YOU FOR YOUR INTEREST IN OUR HOMESTART PROGRAM!
Our objective is to help you achieve your housing-related goals!
CDCU is a HUD-Certified Counseling Agency and is required to collect certain information 
and disclosures from program participants prior to  meeting. This information is Handshakehelpful for your coach to better understand your background, household makeup, financial situation and goals. 

The information you provide will not be shared with any other third parties unless indicated. If you have any issues or questions, please call us on 801-994-7222 or email counseling@cdcutah.org.

LETS GET STARTED!

1. PREPARE
We ask that you work through this intake questionnaire to provide some basic information about yourself, your household, your financial situation (including sources of income, assets, debt, etc.), and your housing-related goals. Please complete as much as you can.


We also ask that you upload certain documents for all household members that earn income or impact household spending. Please provide this information for at least 30 days, albeit 60 days is preferable. 

(i) Paystubs 

(ii) Other sources of income, such as self-employed business income, social security, pension, etc.

(iii) Most recent W-2(s)

(iv) Bank Statements i.e., checking/ saving / investment accounts as relevant

(iv) Mortgage statements or lease agreement (optional but helpful)

(vi) Key bills such as credit card, utility, telephone etc. (optional but helpful)


You will also need to sign a small number of disclosures.

2. SAVE

As you work through the intake packet, you can click the "Save my progress and resume later" link at the top of any page. You'll be prompted to submit an email and password. Afterwards you'll receive an email with a link that can be used later to open the application and continue working. When you return to complete the form, you will need to provide the same email and password.


Tip: If your internet connection is inconsistent, save your progress as you go!

3. SUBMIT

All required fields must be filled. Any left blank will be highlighted in purple when you attempt to submit. 

Basic info - Applicants

Primary Participant contact information












Other information












Other applicant


Second household member













           
           
Household Information







To select multiple answers, hold the CTRL key (PC) or Command key (Mac) as you click.

To select multiple answers, hold the CTRL key (PC) or Command key (Mac) as you click.


YOUR HOUSING GOALS




To select multiple answers, hold the CTRL key (PC) or Command key (Mac) as you click.


To select multiple answers, hold the CTRL key (PC) or Command key (Mac) as you click.



Please enter the number without a dollar sign.

To select multiple answers, hold the CTRL key (PC) or Command key (Mac) as you click.




Financial history










Please provide details of ALL sources of income. This includes earned income from employment as well as benefits, social security and child support. Provide your own sources of income first, then you will be asked about other household income.
Your income




Second participant income





It is IMPORTANT that you provide information on any additional family members or other individuals that are /will be living in your household. Not adding everyone can make it challenging for your coach to fully understand your household and financial circumstances, and/or make you ineligible for certain services or resources at a later date.



Additional Household Member #1












Additional Household Member #1 - Income information (if over 18)





Additional Household Member #2












Additional Household Member #2 - Income information (if over 18)





Additional Household Member #3












Additional Household Member #3 - Income information (if over 18)





Additional Household Member #4












Additional Household Member #4 - Income information (if over 18)





Additional Household Member #5












*If you still have additional household members please share details with your coach in the next meeting.
Additional Household Member #5 - Income information (if over 18)




*If you still have additional household members please share details with your coach in the next meeting.
Supporting documents
Please attach the following documents for ALL household members that earn income and/or impact your household's spending profile. Providing as much of this information as possible in advance will help your coach prepare for a more productive session! For items you are unable to submit in advance, please still bring these to your session.

File Types Accepted: .bmp .gif .jpg. jpeg. png. tif .qtf .doc .docx .xls .xlsx .pdf . Total files may not exceed 35MB

If you are having any issues uploading the necessary documents or need to submit additional files, please email (info@cdcutah.org) or call us (801-994-7222). 







Monthly spending plan
A key part of your coaching session will be reviewing your household's current monthly income and expenses to help inform your homebuyer readiness and/or financial capacity to meet future mortgage obligations. Using the information you have already gathered, please attempt to populate and submit the Monthly Spending Plan template below for discussion with your coach.

Access Monthly Spend Plan template


Household assets & debts

ASSETS

Using the information you have gathered, please list the approximate value of all household assets. Please enter numbers without dollar signs and enter 0 if does not apply.









DEBTS

Using the information you have gathered, please provide details of all household debts (both approximate total outstanding amount and average monthly payment). Please enter numbers without dollar signs and enter zero if does not apply.














I / we certify that the information provided is true and correct to my knowledge:




CDCU is a HUD-Certified Counseling Agency and is required to have coaching participants sign certain disclosures prior to attending a 1-on-1 session. Please review and sign the following disclosures. 

If you have any questions, you can email (counseling@cdcutah.org) or call us (801-994-7222)

Agency Disclosure Statement Housing Counseling Consent Form

NOTE: If you have an impairment, disability, language barrier, or otherwise require an alternative means of completing this form or assessing information about housing counseling, please talk to your counselor (or email info@cdcutah.org) about alternative accommodations

 

Our Mission and Program Purpose: 

Community Development Corporation of Utah (CDCU) is a nonprofit, HUD-approved housing counseling agency. 

We help our community thrive by empowering people on their path toward financial security, housing stability, and access to affordable homes. 


CDCU provides free housing counseling and education services, including Financial Management/Budget Counseling, Home Improvement, and Rehabilitation Counseling, Mortgage Delinquency and Default Resolution Counseling, Pre-purchase Counseling, Financial, Budgeting, and Credit Workshops, and Pre-purchase Homebuyer Education Workshops. These programs and services are offered regardless of race, creed, color, ethnicity, national origin, religion, sex, sexual orientation, gender expression, age, physical or mental ability, veteran status, military obligations, and marital status. We administer services in conformity with local, state, and federal anti-discrimination laws, including the federal Fair Housing Act (42 USC 3600, et seq.). 


As a housing counseling program participant, please affirm your roles and responsibilities along with the following disclosures and initial, sign, and date the form on the following page.

Counselor and Client roles and responsibilities
Counselor’s Roles & Responsibilities
  • Reviewing your housing goal and your finances
  • Preparing a Client Action Plan that lists the steps that you and your counselor will take in order to achieve your housing goals
  • Review/help prepare a household budget.
  • Your counselor is not responsible for achieving your housing goal but will provide guidance and education in support of your goals
  • Neither your counselor nor agency employees, agents, or directors may provide legal advice

Client’s Roles & Responsibilities
  •    Providing accurate information about your income, debts, expenses, credit, and employment.
  •    Completing a budget and the steps assigned to you in your Client Action Plan
  •    Attending meetings, returning calls, providing requested paperwork in a timely manner
  •    Notifying your counselor when changing a housing goals
  •    Attending educational workshops as recommended
  •    Retaining an attorney if seeking legal advice and/or representation in matters such as foreclosure or bankruptcy protection   
Termination of Services: CDCU reserves the right to terminate services at any time if it is determined that the Client does not qualify for the programs that CDCU offers if the Client’s needs cannot be met by said programs, if a respectful and professional relationship is not maintained or if there is failure to work cooperatively with housing counselor or staff. This includes, but is not limited to, missing three consecutive appointments. The client may also terminate services at any time.


Agency Conduct: No CDCU employee, officer, director, contractor, volunteer, or agent shall undertake any action that might result in, or create the appearance of, administering services for personal or private gain, providing preferential treatment for any person or organization, or engaging in conduct that would compromise CDCU’s compliance with federal regulations or our commitment to serving the best interests of our clients.

 

Agency Relationship/ Release of Information: CDCU has financial affiliations with a variety of sources, including congressionally appropriated funds through the Department of Housing and Urban Development (HUD), NeighborWorks, Housing Partnership Network, the United States Treasury, local municipalities, and banks, as well as other public and private organizations including foundations and individuals. CDCU currently receives financial compensation for clients that participate in Framework’s online Homeownership Education course. The client hereby grants permission for CDCU to share the Client’s personal information with the aforementioned as applicable for tracking and reporting purposes. As a housing counseling program participant, you are not obligated to use the products and services of CDCU or our partners.


Alternative Services, Programs, and Products & Client Freedom of Choice: In the interest of full disclosure, CDCU also provides the following services: Home Renovation Loan program, Down Payment Assistance programs, Mortgage Assistance programs, Home Sales programs, and Real Estate Representation. As a housing counseling client, you are not obligated to participate in any of these services. You are entitled to choose whatever services and/or products best meet your needs.

 

Referrals and Community Resources: You will be provided a community resource list that outlines regional services available to meet a variety of needs, including utility assistance, food banks, and legal aid assistance, among others. This list also identifies alternative agencies that provide services, programs, or products identical to those offered by CDCU.

 

Errors and Omissions and Disclaimer of Liability: I/we agree that CDCU, its employees, agents, and directors are not liable for any claims and causes of actions arising from errors or omissions by such parties, or related to my participation in CDCU counseling; and I hereby release and waive all claims of action, liabilities, expenses (including reasonable attorney’s fees) against CDCU and its affiliates/partners. I have read this document, understand that I have given up substantial rights by signing it, have signed it freely and without any inducement or assurance of any nature, and intend it to be a complete and unconditional release of all liability to the greatest extent allowed by law. If any provision of this document is unenforceable, it shall be modified to the extent necessary to make the provision valid and binding, and the remainder of this document shall remain enforceable to the full extent allowed by law. Please note that representatives of CDCU do not provide tax or legal advice and that you should consult your tax advisor or attorney for such guidance.

 

Quality Assurance: In order to assess client satisfaction and in compliance with grant funding requirements, CDCU or one of its partners, may contact you during or after the completion of your housing counseling service. You may be requested to complete a survey asking you to evaluate your client experience. Your survey data may be confidentially shared with CDCU grantors such as HUD. By signing this Disclosure Statement I give CDCU authorization to share my information with HUD and other third parties, as applicable.

Confirmation
I / we acknowledge that I received, reviewed and agree to CDCU's Program Disclosure




Privacy Policy and Practices

We at Community Development Corporation of Utah (CDCU) value your trust and are committed to the responsible management, use, and protection of your personal information. This notice describes our policy regarding the collection and disclosure of personal information. “Personal Information” or “non-public personal information”, as used in this notice, means information that identifies an individual personally and is not otherwise publicly available. It includes personal financial information such as credit history, income, social security number, and other specific information you have provided us.


Information We Collect
We collect non-public personal information, including:
  • Information we receive from you verbally, or on applications or other forms
  • Information about your transactions with us, our affiliates, or others
  • Information we receive from consumer reporting agencies
  • Information we receive from personal and employment references
Information We Disclose
We may disclose the following kinds of non-public personal information about you:
  • Information we receive from you on applications or other forms, such as your name, address, social security number, employer, occupation, assets, debts, and income
  • Information about your transactions with us, our affiliates, or others, such as parties to your transactions, your account balances, and your payment history 
  • Information we receive from consumer reporting agencies, such as your credit bureau reports, credit history, and credit worthiness

To Whom We Disclose Information
We may disclose some or all of your non-public personal information to the following types of nonaffiliated third parties to provide program services to you:
  • Creditors or other third parties where we have determined that it would be helpful to you or would aid us in counseling or otherwise assisting you
  • Others (such as non-profit organizations or funding partners that make our services possible) as required for the purpose of review, auditing, research, and oversight
  • We may also disclose personal information about you to anyone as permitted or required by law.
You have the opportunity to “opt-out” of certain disclosures (direct us to not make those disclosures)by informing CDCU of your decision in writing.

Confidentiality and Security
Within the organization, we restrict access to non-public, personal information about you to those employees who need to know that information to provide services to you and to help them do their jobs, including financial or housing counseling, loan underwriting, loan servicing, or aiding you in obtaining a loan from others. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information. We do not share non-public personal information with any non-affiliated third parties for the purpose of making sales calls or marketing products or services to you. 

Confirmation
I /we acknowledge that I received, reviewed and agree to this Privacy Policy & Practices Disclosure




(Authorizing CDCU to pull your credit report in advance of your coaching session will be extremely valuable)

Authorization To Pull Credit

By signing below, I authorize Community Development Corporation of Utah (CDCU) to:
If checkbox 1 or 2 was selected:

I understand and authorize CDCU to obtain information regarding outstanding credit accounts (mortgages, auto loans, personal loans, charge cards, etc.) I understand that this authorization does not commit me to obtain any financial products from CDCU.

CDCU has a contract with a third party in order to pull credit reports. CDCU does not guarantee that accuracy, validity, or completeness of the credit report provided. There is no charge for CDCU to pull a credit report.
Confirmation




Do not use the dash symbols. Just enter numbers.

By signing below, I authorize Community Development Corporation of Utah (CDCU) to:
If checkbox 1 or 2 was selected:

I understand and authorize CDCU to obtain information regarding outstanding credit accounts (mortgages, auto loans, personal loans, charge cards, etc.) I understand that this authorization does not commit me to obtain any financial products from CDCD.

CDCU has a contract with a third party in order to pull credit reports. CDCU does not guarantee that accuracy, validity, or completeness of the credit report provided. There is no charge for CDCU to pull a credit report.
Confirmation




Do not use the dash symbols. Just enter numbers.

Contact Information