2022 HBT Reg App I

Family Resources of New Orleans Client Disclosure Form Family Resources of New Orleans (FRNO) is pleased that you have chosen us as your housing counseling service provider and are looking forward to working with you. We are here to assist you in resolving your housing needs. However, you may use services other than those provided by this agency. Generally, your services may include the following: The gathering of essential demographic and financial information to help us resolve your housing need An assessment of your housing situation A case management plan that provides instructions and identifies resources for resolving your housing need Individual face to face, telephone and/or group counseling designed to guide you through the process of resolving housing needs. Follow-up calls and/or letters to track the outcome of our services: 1) Pre-purchase Counseling = Preparing for Home Purchase 2) Pre-purchase Homebuyer Education Workshops = Online classes 3) Fair Housing Pre-Purchase Education Workshops = Group 4) Resolving/Preventing Mortgage Delinquency and Default Resolution Counseling = Mortgage Assistance 5) Non-Delinquency Post Purchase Workshops = After purchase counsel 6) Financial Management/Budget Counseling = Budgeting 7) Financial, Budgeting and Credit Workshops = Credit Repair 8) Rental Housing Counseling FRNO upholds the highest standards of customer service. As such, Increasing FRNO staff members providing these services will adhere to the following guidelines: FRNO does not offer legal counsel or services. FRNO staff members will provide counseling, group education and/or instructional information only regarding your housing, personal financial management or credit situation under this program. FRNO does not provide debt consolidation services nor will any member of FRNO's staff takeover or assume responsibility for the finances of any participating client. FRNO does not pay or receive fees or other considerations for referrals to or from any program administered by us. FRNO staff members will not recommend that clients participate or engage in any services whereby the staff members themselves or any member of their immediate family have a financial interest. No staff member of FRNO will disclose any personal information without proper authorization of the participant. FRNO strongly believes in and promotes housing choice. To that end, FRNO does not endorse any realtor or lender. Participants in FRNO's Pre-Purchase Counseling program shop for and select the lender and realtor that best suits their needs.

FRNO, in many instances, will need to pull your credit report in order to assess the condition of your credit either to determine your readiness for ownership or to assist in the resolution of mortgage delinquency. FRNO has the ability to pull your credit with little to no effect on your credit score. FRNO employs persons who are qualified to provide the services rendered. To that end, all FRNO housing counselors are required to be certified. New counselors employed by FRNO have one year to acquire such certification, which can be obtained through the Association of Housing Counselors, the National Federation of Housing Counselors or Neighbor Works. Central to FRNO's mission is the elimination of housing discrimination. All of FRNO's programs and services are required to educate participants. Please be advised that you, the client, are not obligated to receive, purchase or utilize any other services offered by FRNO., or its exclusive partners, in order to receive housing counseling services. This certifies that I have read and understood the above statement of disclosure. Please be advised that you, the client, are not obligated to receive, purchase or utilize any other services offered by FRNO, or it exclusive partner, in order to receive housing counseling services.
Gender

Female Male Other
Participant Signature

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Date

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Date
Participant Signature

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Date

Month Day Year
Date
Client Signature

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Date

Month Day Year
Date
Telephone/Online Counseling
Intake Date

Month Day Year
Date
APPLICANT COUNSELING APPLICATION
First Name
Middle/MI
Last Name
Date of Birth

Month Day Year
Date
Age
SSN
Home Phone
Cell Phone
Preferred Contact

Home Cell Work Email
Email
example@example.com
Street Address
City
State
Zip Code
Length of Occupancy
Monthly Gross Income: (Before Taxes)
Annual Gross Income: (Before Taxes)
Paid

Weekly Every 2-weeks Twice-a-month Monthly
Current Savings Amount
Referred By:

TV Radio Ad Internet Friend Walk In Phone Inquiry Agency Staff Customer Other Lender Government Agency Realtor
Race (Please check one)

Native American/Alaskan Native Black/African American African Asian Native Hawaiian/Pacific Islander Slavic Middle Eastern White Other
Ethnicity

Hispanic Non Hispanic
Veteran

Yes No
GENDER

Male Female Other
DISABLED

Yes No
Marital Status

Single Married Divorced Separated Widow
Do you Receive Alimony, if so how much
APPLICANT HOUSEHOLD INFORMATION
Are you the Head of Household

Yes No
Your Family/Household size
Number of Dependents:
Child Support p/mnth:$
Are there any non-dependents who will be or are currently living in the home

Yes No
If yes, please list:
Relationship/age:____________________________

Relationship/age:____________________________

Relationship/age:____________________________

Relationship/age:____________________________
Your Household Type:

Female Head of Household Male Head of Household Married w children Married w/o children Two or more unrelated adults
APPLICANT'S PRIMARY EMPLOYMENT
Are you currently employed?

Yes No
Retired?

Yes No
Employer Name:
Monthly Retirement Income:$
SSI Income:$
Position:
Hire Date

Month Day Year
Date
Rate/Hrly Pay:$
Work Phone
Please enter a valid phone number.
Overtime:$
Employed

Full Time Part time Commission Self employed
Paid

Weekly Every 2 weeks Twice a month Monthly
Total Monthly Gross Income
Total Annual Gross Income
Applicant's Secondary Employment
Employer Name
Position
Work Phone
Please enter a valid phone number.
Employed

Full Time Part Time Commission Self employed
Paid

Weekly Every 2 weeks Twice a month Monthly
Monthly Gross Income
Annual Gross Income
Applicant Signature

Clear
Date

Month Day Year
Date
CO-APPLICANT COUNSELING APPLICATION
First Name
Middle/MI
Last Name
Date of Birth

Month Day Year
Date
Age
SSN
Home Phone
Cell Phone
Preferred Contact

Home Cell Work Email
Email
example@example.com
Street Address
City
State
Zip Code
Length of Occupancy
Monthly Gross Income: (Before Taxes)
Annual Gross Income: (Before Taxes)
Paid

Weekly Every 2 Weeks Twice a month Monthly
Current Savings Amount
Referred by

TV Radio Ad Internet Friend Walk-in Phone Inquiry Agency Staff Customer Other Lender Government Agency Realtor
Race (Please check one)

Native American/Alaskan Native Black/African American African Asian Native Hawaiian/Pacific Islander Slavic Middle Eastern White Other
Ethnicity

Hispanic Non Hispanic
Veteran

Yes No
Gender

Male Female Other
Disabled

Yes No
Marital Status

Single Married Divorced Separated Widow
Do you receive Alimony, if so how much
First Time Homebuyer

Yes No
COAPPLICANT PRIMARY EMPLOYMENT
Are you currently employed?

Yes No
Retired?

Yes No
Position
Employer Name
Retirement Income:$
Hire Date

Month Day Year
Date
SSI Income:$
Work Telephone No
Overtime
Employed

Full-time Part-time Commission Self-employed
Monthly Gross Income:$
Paid

Weekly Every 2-weeks Twice-a-month Monthly
Co-Applicant's Secondary Employment
Position
Employer Name
Work Telephone No
Employed

Full-time Part-time Commission Self employed
Overtime
Monthly Gross Income:$
Paid

Weekly Every 2-weeks Twice-a-month Monthly
Total Annual Gross Income:$
Child Support p/mnth
Alimony p/mnth
Co Applicant Signature

Clear
Date

Month Day Year
Date
Family Resources of New Orleans New Orleans, LA 70116 Phone: (504) 822-8519 Fax: (504) 821-5260 . www.familyresourcesnola.org
Highest Grade Completed

12th Grade GED Associates Bachelor Masters JD PHD Other
Annual Household Income

Under $10,000 10,001-15,000 15,001-20,000 20,001-25,000 25,001-30,000 30,001-35,000 35,001-45,000 45,001-50,000 50,001 and above
Family Resources of New Orleans New Orleans, LA 70116 Phone: (504) 822-8519 Fax: (504) 821-5260 . www.familyresourcesnola.org
I, the undersigned, have read and fully comply with Family Resources of New Orleans (FRNO) refund policy. I have full knowledge that I shall not receive a refund for classes missed, due to personal or professional reasons. I further understand that I must attend both class sessions to receive my certificate of completion. I further understand that a certificate will not be issued unless I bring all documents needed to complete my file. However, I will be rescheduled for classes cancelled or postponed by the agency. It shall be my responsibility to ensure that I attend any and all postponed classes.
Signature

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Date

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Date
Federal Housing Commissioner OMB Approval No: 2502-0261 (exp.4/30/98) Public reporting burden for this collection of information is estimated to average 0.25 hours per response, including the time for reviewing instructions, searching existing date sources, gathering, and maintaining the data needed, and completing and reviewing the collection of information. Send comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the Reports Management Officer, Office of Information Policies and Systems, U.S. Department of Housing and Urban Development. Washington D.C. 201410-3600 and to the Office of Management and Budget, Paperwork Reduction Project (2502-0261), Washington, D.C. 20503. Do not send this completed form to either of the above addresses.
Interviewing Counseler's Name
FHA Case No. (If any)
Interview Date

Month Day Year
Date
Date Counseling Terminated

Month Day Year
Date
Client's Name and Address (street, city, state, zip code)
Client Number
Results of Counseling: check the applicable boxes at the time each result occurs. These results correspond to those on form HUD-9902. You may achieve more than one result for the same client

Client Type: check the box that indicates the status of the client when the client entered your workload via a screening interview. These client types correspond to those on form HUD-9902, Counseling Agency Activity Report Homeowner mortgage paid off Homeowner mortgage paid off Potential Mortgagor wants to buy Renter occupies rental property Potential Renter wants to rentHomeless Date Counseling Terminated: Client Number: Other specify Interview Date: Client's Name and Address (street, city, state, zip code): Instructions. The grantee must use this format or one on which the grantee records at least the same information. Obtain HUD approval for use of an alternative format. Grantees must follow the Grant Instructions regarding Client No. and Unit Claim. The "Unit Claim" box relates only to HUD Housing Counseling Grants for FY94 and earlier. HUD is reviewing the continued use of counseling units for future grants. If more space is needed, use more forms, and attach then to the first one. Non-grant agencies may use this form at their option. Obtained a HECM Mortgage assigned to HUD Brought mortgage current Forbearance Agreement Decided not to purchase Executed Deed-in-Lieu Sold their property Occupied permanent housing for handicapped Rented alternative housing Purchased housing Other: (specify) Occupied "transitional housing Occupied "emergency shelter Entered public or private sector
CLIENT ACTION PLAN
Name
File #
Date

Month Day Year
Date
BUDGET ASSESSMENT SUMMARY

Budgeting or Money Management Credit Review Prepurchase Counseling Debt Repayment Mortgage Delinquency Other
Total Gross Monthly Income
Monthly Mortgage/Rent
Net Monthly Income
Total Monthly Living Expense
Monthly Debt Obligations
Discretionary Income Left Over
INCOME SOURCE SUMMARY

Full Time Employment Part Time Employment Spouse Employment Sell/Refinance Automobile Housing Options Tax Refund Savings/Investments Assets Other
Tax Refund

Gift Letter Recycling
ACTION STEPS
ACTION TAKEN

Assessed Problem & Solutions
Assessed Problem & Solutions

Budget Developed
Assessed Problem & Solutions

Client to Handle
RECOMMENDATIONS

Referred to Outside Resource
Other

Other
Referred to Outside Resource

Advised to Handle Finances Debt Management Counseling Homebuyers Club Referred for Legal Advice Housing Assistance Ready to Make Loan Application Other
CLIENT SIGNATURE

Clear
DATE

Month Day Year
Date
COUNSELOR SIGNATURE

Clear
DATE

Month Day Year
Date
FAMILY RESOURCES OF NEW ORLEANS RELEASE FORM
Date

Month Day Year
Date
SS#
I {firstName}{lastName}, hereby agree to allow those persons associated with Family Resources of New Orleans, counseling, homebuyer education, housing construction and all other programs to obatin and/or release, on my behalf, all necessary information and documentation relating to me regarding education & training. I also agree to my participation in any photographs,audio, or videos that may be ourchased by this agency or their media, that may appear in print or electronic form, for promotional or news purposes.
Client's Signature

Clear
Housing Counselor's Signature

Clear
USE OF INFORMATION AUTHORIZATION
(Print Name)
(Company Name)
I do hereby authorize, said representatives, administrators, and legal representatives, to release to Family Resources of New Orleans any and all information relating to my account.

Additionally, I do hereby expressly release{companyName}, its representatives, administrators, and legal representatives of any liability in connection with the release of said information.
(Company Name)
Name
Signature

Clear
Social Security #
Address
Dated

Month Day Year
Date
Date

Month Day Year
Date
All classes are subject to cancellation. If there is not a minimum of (5) five credits registered; classes will not be held until we have met our quota.

I have read and understand the statement written above.
Signature

Clear
I, the undersigned applicant is aware that Family Resources of New Orleans owns property and that I am not obligated in any way to purchase property from Family Resources of New Orleans.
Signature

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Date

Month Day Year
Date
Signature

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Date

Month Day Year
Date
I, undersigned applicant for assistance, in my effort to obtain Housing/Counseling advice and assistance from Family Resources of New Orleans, hereby release and hold harmless the agency and staff of the Family Resources of New Orleans as they pursue this process. I fully understand that the staff of Family Resources of New Orleans will not provide me with legal advice or representation that I am fully responsible for obtaining legal counsel, as appropriate.

Ifurther understand that all information provided by me will remain strictly confidential. However, I authorize the agency to make this information available to anyone having a legitimate and necessary interest therein as determined by Family Resources of New Orleans.
Signature

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Date

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Date
Witness
Date

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Date
Name
A conventional home loan is one that is not insured or guaranteed by the federal government in any way. This distinguishes it from the three government-backed mortgage types explained below (FHA, VA, and USDA

Government-insured home loans include the following:

The Federal Housing Administration (FHA) mortgage insurance program is managed by the Department of Housing and Urban Development (HUD), which is a department of the federal government. FHA loans are available to all types of borrowers, not just first-time buyers. The government insures the lender against losses that might result from borrower default. Advantage: This program allows you to make a down payment as low as 3.5% of the purchase price. Disadvantage: You'll have to pay for mortgage insurance, which will increase the size of your monthly payments. The U.S. Department of Veterans Affairs (VA) offers a loan program to military service members and their families. Similar to the FHA program, these types of mortgage are guaranteed by the federal government. This means the VA will reimburse the lender for any losses that may result from the borrower default. The primary advantage of this program (and it is a big one) is that borrowers can receive 100 % financing for the purchase of a home. That means no down payment whatsoever. USDA Loans

Applicants for direct loans must have very low or low incomes. Very low income is defined as below 50 percent of the area median income (AMI); low income is between 50 and 80 percent of AMI; moderate income is 80 to 100 percent of AMI. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance, which are typically 24 percent of an applicant's income. However, payment subsidy is available to applicants to enhance repayment ability. Applicants must be unable to obtain credit elsewhere yet have reasonable credit histories.
Client Signature

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Date

Month Day Year
Date
Ten Important Questions to Ask Your Home Inspector - HUD
Ten Important Questions to Ask Your Home Inspector
1. What does your inspection cover?

The Inspector should ensure that their inspection report will meet all applicable requirements in your state if applicable and will comply with a well-recognized standard of practice and code of ethics. You should be able to request and see a copy of these items ahead of time and ask any questions you may have. If there are any areas you want to make sure are inspected, be sure to identify them upfront. 2. How long have you been practicing in the home inspection profession and how many inspections have you completed?
2. How long have you been practicing in the home inspection profession and how many inspections have you completed?

The inspector should be able to provide his or her history in the profession and perhaps even a few means as referrals. Newer inspectors can be very qualified , and may work with a partner or have access to more experienced inspectors to assist them in the inspection.
3. Are you specifically experienced in reesidential inspection?
Related experience in construction or engineering is helpful but is no substitute for training and experience in the unique discipline of home inspection. If the inspection is for a commercial property, then this should be asked about as well.
4, Do you offer to do repairs or improvements based on the inspection?

Some inspector associations and state regulations allow the inspector to perform repair work on problems uncovered in the inspection. Other associations and regulations strictly forbid this as a conflict of interest.
5. How long will the Inspection take?

The average on-site inspection time for a single inspector is two to three hours for a typical single-family house; anything significantly less may not be enough time to perform a through inspection Additional inspectors may be brought in for very large properties and buildings.
6. How much will it cost?

Cost vary dramatically, depending on the region, size and age of the house, scope of services and other factors. A typical range might be $300 - $500 but consider the value of the home inspection in terms of the investment being made. Cost does not necessity reflect quality. HUD does not regulate home inspection fees.
7. What tyoe of inspection report do you provide and how long will it take to receuve the report?

Ask to see samples and determine whether or not you can understand the inspector's reporting style and if the time parameters fulfill your needs. Most inspectors provide their full report within 24 hours of the inspection.
8. Will I be able to attend the inspection?

This is a valuable educational opportunity, and an inspection's refusal to allow this should raise a red flag. Never pass up this opportunity to see your prospective home through the eyes of an expert.
9. Do you maintain membership in a professional home inspector association?

There are many state and national associations for home inspectiors. Request to see their membership ID and perform whatever due diligence you deem appropriate.
10. Do you participate in continuing education programs to keep your expertise up to date?

One can never know it all, and the inspector's commitment to continuing education is a good measure of his or her professionalism and service to the consumer. This is especially important in cases where the home is much older or includes unique elements requiring additional or updated training.
Signature

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WHEN ON THE PATHWAY TO HOMEOWNERSHIP
1. THOU SHALL NOT CHANGE JOBS OR BECOME SELF-EMPLOYED 2. THOU SHALL NOT BUY AN AUTOMOBILE UNLESS YOU PLAN TO LIVE IN IT 3. THOU SHALL NOT USE MORE THAN 30% OF YOUR CREDIT LIMIT ON YOUR CREDIT CARDS OR ALLOW YOUR ANY OF YOUR MONTHLY PAYMENTS TO FALL BEHIND 4. THOU SHALL NOT SPEND THE MONEY YOU HAVE SAVED FOR DOWN PAYMENT, CLOSING COST AND/OR RESERVES 5. THOU SHALL NOT BUY FURNITURE BEFORE YOU BUY YOUR HOUSE 6. THOU SHALL NOT ORIGINATE ANY NEW INQUIRIES ON YOUR CREDIT REPORT 7. THOU SHALL NOT MAKE ANY LARGE DEPOSITS OR WITHDRAWALS FROM YOUR BANK ACCOUNTS (UNLESS IT CAN BE DOCUMENTED) 8. THOU SHALL NOT CHANGE BANK ACCOUNTS 9. THOU SHALL NOT CO-SIGN FOR ANYONE THOU SHALL NOT PURCHASE ANYTHING UNLESS IT'S A NECESSITY UNTIL AFTER CLOSING
Owner
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Co Owner
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U.S. Department of Housing and Urban Development Federal Housing Administration (FHA)

OMB Approval No: 2502- 0538 (exp. 04/30/2018)
For Your Protection:
Why a Buyer Needs a Home Inspection
Get a Home Inspection
A home inspection gives the buyer more detailed information about the overall condition of the home prior to purchase. In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potential new home to: Evaluate the physical condition: structure, construction, and mechanical systems; Identify items that need to be repaired or replaced; and Estimate the remaining useful life of the major systems, equipment, structure, and finishes.
You Must Ask for a Home Inspection
A home inspection will only occur if you arrange for one. FHA does not perform a home inspection. Decide early. You may be able to make your contract contingent on the results of the inspection. Appraisals are Different from Home Inspections An appraisal is different from a home inspection and does not replace a home inspection. Appraisals estimate the value of the property for lenders. An appraisal is required to ensure the property is marketable. Home inspections evaluate the condition of the home for buyers. FHA Does Not Guarantee the Value or Condition of your Potential New Home If you find problems with your new home after closing, FHA cannot give or lend you money for repairs, and FHA cannot buy the home back from you. Ask a qualified home inspector to inspect your potential new home and give you the information you need to make a wise decision.
Radon Gas Testing and other safety/health issues
The United States Environmental Protection Agency and the Surgeon General of the United States have recommended that all houses should be tested for radon. For more information on radon testing, call the toll-free National Radon Information Line at 1-800-SOS-Radon or 1-800-767-7236. Ask your home inspector about additional health and safety tests that may be relevant for your home.
It is your responsibility to be an informed buyer. You have the right to carefully examine your potential new home with a qualified home inspector. To find a qualified home inspector ask for references from friends, realtors, local licensing authorities and organizations that qualify and test home inspectors.
Signature

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HUD-92564-CN (6/14)
Should be Empty:

APPLICANT COUNSELING APPLICATION

APPLICANT HOUSEHOLD INFORMATION

APPLICANT'S PRIMARY EMPLOYMENT

CO-APPLICANT COUNSELING APPLICATION

COAPPLICANT PRIMARY EMPLOYMENT

CLIENT ACTION PLAN

USE OF INFORMATION AUTHORIZATION

WHEN ON THE PATHWAY TO HOMEOWNERSHIP

For Your Protection:

Why a Buyer Needs a Home Inspection

Get a Home Inspection

Radon Gas Testing and other safety/health issues

HUD-92564-CN (6/14)