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  • Dear Homeowner:

    Thank you for choosing Clinch - Powell to help you work through this difficult time. This program is provided to you free of charge because of funding received from government programs. In order to keep this service free, Clinch - Powell must follow certain program guidelines which often include specific forms and documentation.

    After we receive your completed packet, please allow several business days for an intake specialist to review your documents and contact you via e-mail with any follow - up questions. Only after ALL your documents are received will it be processed by a certified housing counselor—unless you have a Date of Sale on your home, in which case, call our office immediately.

    You will be provided a list of supporting documents and where to upload them by email upon completion of this form.

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  • HOUSING ASSISTANCE APPLICATION-- MORTGAGE

  • HOMEOWNER

  • CO-HOMEOWNER or SPOUSE

  • Household

  • AUTHORIZATION TO CONTACT AND RELEASE INFORMATION

  • I/We are authorizing communication with the following in order to receive housing assistance:

  • I/We, hereby authorize agents of Clinch-Powell RC&D Council (Tax ID #62-1396815), a HUD Certified Housing Counseling Agency #82934, HUD-Certified counselors Susan Eribarne or Elizabeth Grisham to discuss my accounts Additionally, I authorize the sharing of any necessary information and documentation as needed for receipt of housing counseling services, program participation and eligibility. Information may be provided via preferred communication channels of either party, including, but not limited to: verbally, electronically, and print. I further agree that a photocopy, scan, or facsimile fax of this document will also serve as authorization for release of information. This authorization will expire 36 months from the date below.

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  • Homeowner Information

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  • Homeowner optional demographic info

  • Homeowner employment

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  • *For 2nd job - if applicable OR previous job

  • Co-owner and/or Spouse Information

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  • Co-owner and/or Spouse optional demographic info:

  • Co-owner Employment

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  • *For 2nd job - if applicable OR previous job

  • Other household income:

    List ALL others living in the household and how much (if any) income they receive:
  • Assets (and approximate values)

  • Make/model, millage, & condition of all vehicles, motorcycles, boats, ATV’s, Jet Ski’s etc.

  • ADDITIONAL PROGRAM QUESTIONS ***MUST provide most recent mortgage statement(s)

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  • DISCLOSURE & CONFLICT OF INTEREST

  • Clinch-Powell RC & D Council is a non-profit Community Housing Development Organization and a HUD-approved counseling agency (82394) that, among other activities, helps families with affordable housing goals. Most services are available in alternative formats and locations upon request.

    Clinch-Powell 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, Truist Bank, Regions Bank, Blue Cross, Blue Shield, Ballad Heath, Rural LISC, Fannie Mae, Freddie Mac, the East Tennessee Foundation, United Wpublic fundraising, and private donations.

    As a housing counseling agency, Clinch-Powell offers the following 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. Clinch-Powell, along with Clinch-Powell Construction Company develops affordable single-family homes to sell to low- to moderate- income families. In addition to coordinating the packaging and servicing of select loan products, Clinch-Powell itself occasionally offers low-interest loans and grants for various affordable housing activities. Clinch-Powell NMLS #195063; Stace Karge NMLS#2403630. Please visit http://mortgage.nationwidelicensingsystem.org/ to find more information regarding history and profile as a mortgage lender. Lastly, Clinch-Powell is a property manager for a multi-family low income apartment building, as well as, multiple single-family rental housing units which it also owns.

    In providing counseling services, Clinch-Powell housing counselors will 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 Clinch-Powell housing counselor will recommend only services that are in the best interest of the client, and will 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 specifically for those activities. Moreover, as per HUD guidelines, housing counselors will not simultaneously participate in specific housing activities.

    As the client, you have the right to inquire as to specific relationships Clinch-Powell 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 CLINCH-POWELL AS A WHOLE. Your decision to utilize or not utilize certain programs and products will not in any way affect your housing counseling service. If you decide to discontinue services with Clinch-Powell, or if your need is beyond the scope of the agency’s capabilities, Clinch-Powell staff will 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 call 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 collect 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 HMIS system is safeguarded and held under tightest security.

    Clinch-Powell is an equal opportunity provider, employer, and lender. Discrimination is prohibited by Federal law. Clinch-Powell Resource Conservation and Development Council is a 501(c)(3) non-profit organization. All programs of the RC&D are available without regard to race, color, national origin, religion, sex, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, reprisal or retaliation for prior civil rights activity, in any program or activity conducted, or because the applicant has in good faith exercised any right under the Consumer Credit Protection act. The federal agencies that administer compliance with these laws are: U.S. Department of Justice, Civil Rights Division, 950 Pennsylvania Avenue, NW Washington, D.C. 20530-000; Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, D.C.

  • PRIVACY POLICY NOTICE

  • We may collect non-public personal information about you from the following sources: A) Information that you provide to us orally or written, such as on applications or other forms; B) Information about your transaction with us or others; and C) Information from others, such as credit bureaus, real estate appraisers, lenders and employers.

    We do not disclose any non-public personal information about you without your consent to anyone, except:

    • information provided to your lender as required to gain approval for a loan or protect your current home,
    • to government agencies and grantors in compliance with their respective monitoring and reporting requirements,
    • in broader forms to partnering agencies for reporting purposes, joint applications, and/or compilation of statistical data,
    • third parties that you have communicated to/with about the services you received from Clinch-Powell,
    • as required by law.

    To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information in order to provide you products and services requested with this application. We may disclose certain limited information to relevant third parties as part of a particular service as further described in the specific program authorization. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information. As a client, you have the right to opt-out and direct us to withhold non-public personal information from third parties, or to specify/limit to whom such information is provided. If you choose to opt-out, we will not be able to answer questions from third parties. To opt-out, you will need to make special note of this on this page, written separately, or explicitly stated to your counselor; not signing this page is not sufficient to opt-out. If at any time, you wish to change your decision with regard to your opt-out, you may call us at 865-828-5927 and do so.

    If you decide to discontinue services through Clinch-Powell, we will still adhere to the policies and practices as described in this notice. The agency will continue to safely maintain your records for a period of time, of at least three (3) years, after which all digital files will be purged and paper documents will be shredded and destroyed.

  • I have been provided a copy of, fully read, and understand the information within this disclosure, as well as, Clinch

    Powell RC & D’s policies regarding conflicts of interest and the confidentiality of client information as state above.

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  • Housing Counseling Agreement & Authorization

  • It is my responsibility to provide accurate information and follow through on the actions I agree upon. Such actions may include providing/returning documents in a timely manner, showing up to appointments on time, and canceling/rescheduling appointments at least 24hrs in advance. Providing false, misleading, or withholding information may result in the termination of services. Furthermore, it is my sole responsibility to update my counselor with any changes in my contact information; and by signing below, I am pledging to consistently and frequently check my e-mail inbox, voicemail, answering machine, and/or mail for any correspondence from my housing counselor. I also understand that while Clinch-Powell has a very high success rate with saving homes, they do not provide directmoney to bring mortgages current, nor do they have control over my lenders decisions or recommendations.

    I/We understand that this Action Plan and Budget Counseling are required components of Clinch-Powell’s Foreclosure Prevention/Loss Mitigation program. I certify that all the information that I have provided has been given honestly and is true to the best of my knowledge. I/we give our consent for Clinch-Powell to use the information that we have provided in order to contact us in regards to our particular situation under the broader scope of housing counseling for a period of 5 years from the date below. While I agree to fully participate in all aspects of this program, I understand no outcomes can be guaranteed.

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  • While my housing counselor, Susan E., Elizabeth G., or Sabrina S., is (over the next few weeks):

    • reviewing my intake application, documents, and household budget,
    • informing my lender that I/we are working with Clinch-Powell RC&D in order to help rectify our situation,
    • pulling my credit report, verifying other information, and developing recommendations to improve to my budget, and
    • assessing what workout options or programs I/we might qualify for, including lender's in-house, HAF, VA, & FHA options.
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  • Monthly Household Expenses Worksheet

  • INSTRUCTIONS: Be honest, & try the best you can. Budget does NOT have to balance.

  • Housing Expenses

  • Living Expenses

  • Monthly installment debt

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