Knoxville Area Urban League is a non-profit Community Housing Development Organization and a HUD-approved counseling agency that, among other activities, helps families with affordable housing goals. Most services are available in alternative formats and locations upon request. Knoxville Area Urban League receives funding for its housing programs through grants and loans from a number of sources, including but not limited to: USDA Rural Development, US Dept. of Housing & Urban Development [HUD], US Dept. of Treasury, Corporation for National and Community Service, Federal Home Loan Bank, the Environmental Protection Agency, THDA, Fahe/Just Choice Lending, State of Tennessee, Citizens Bank & Trust Co. of Grainger County, Rural LISC, Fannie Mae, Freddie Mac, public fundraising, and private donations. As a housing counseling agency, the Knoxville Area Urban League offers the folowing services: 1) Pre-Purchase Homebuyer Education Workshops-- utilizing the Realizing the American Dream curriculum; 2) Pre-Purchase Counseling--financial readiness to purchase/own an affordable home; 3) Post- Purchase Counseling and Workshops-- non-delinquency home improvement, energy efficiency; 4) Foreclosure Prevention/Loss Mitigation Counseling—assisting to resolve mortgage defaults; 5) Rental Counseling--locating safe/decent rental housing; 6) Household Budgeting & Credit Repair Counseling and Workshops--financial literacy and personal money management; 7) High-Cost Mortgage Counseling-requirement of certain mortgage loans to ensure borrower’s understanding of the risk of the loan. In providing counseling services, the Knoxville Area Urban League housing counselors wil present to their clients several options in the furtherance of their housing goal/service, possibly including recommendations of some of the above listed services. The Knoxville Area Urban League housing counselor wil recommend only services that are in the best interest of the client, and wil inform the client of any interests the organization has in any particular product or service. Within the agency, individual housing counselors may perform multiple affordable housing activities within the scope of their regular job duties, and as such, will not receive any additional funds or incentives specificaly for those activities. Moreover, as per HUD guidelines, housing counselors wil not simultaneously participate in specific housing activities. As the client, you have the right to inquire as to specific relationships Knoxville Area Urban League or its employees have with other entities. You also have the right to choose (or not) the products or services that you feel are right for your household, regardless of any option presented or recommendation made by the housing counselor. YOU ARE UNDER NO OBLIGATION TO UTILIZE/RECEIVE, OR EVEN CONTINUE WITH SERVICES THROUGH YOUR HOUSING COUNSELOR OR KNOXVILLE AREA URBAN LEAGUE AS A WHOLE. Your decision to utilize or not utilize certain programs and products wil not in any way affect your housing counseling service. If you decide to discontinue services with
Knoxville Area Urban League , or if your need is beyond the scope of the agency’s capabilities, Clinch-Powel staff wil assist you locating a more suitable local agency. If you/your housing situation meet certain criteria, we may collect personal information directly from you and enter into a computer system cal HMIS (Homeless Management Information System Many agencies that provide assistance use this computer system to gather information about clients that are homeless or at risk of homelessness. We only col ect information that we consider to be appropriate. You are not required to provide this information. However, without your information we may not be able to fully assist your needs. All information provided to the Knoxville Area Urban League’s system is safeguarded and held under tightest security.
All programs of the Knoxville Area Urban League are available without regard to race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation and marital or family status, because al or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission- 600 Pennsylvania Avenue, NW, Washington DC 20580.