SmartStart Class Sign-Up SS

CDCU is a HUD-Certified Counseling Agency and is required to have education participants sign certain disclosures prior to attending our classes. Information provided will not be shared with any other third parties unless indicated.


PLEASE FILL OUT AND SIGN THE FOLLOWING BRIEF FORMS AND DISCLOSURES PRIOR TO THE CLASS. 

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

Contact information









Other information













Write full amount, numbers only

           
           

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 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 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.

Contact Information