• Home Repair Application

  • Dear Homeowner:
    Thank you for your interest in working with Clinch-Powell to help you apply for program funding to make needed repairs on your home. Clinch-Powell can access multiple programs in order to assist you with your home repairs. Each program funder has its own set of eligibility criteria, time frames, and loan/grant terms. Not all programs are available all year long—you are encouraged to return this application promptly to better ensure more options. After your application has been reviewed the specifics of individual programs currently available which you may qualify for will be reviewed with you in depth.
    To qualify for most of the programs you must:

    • Own and occupy the home as your primary residence.
    • Must also own the land the house is on
    • If the home is a double wide, it must be on a permanent foundation
    • Have household income within program guidelines
    • Be a US citizen or meet eligible non-citizen requirements

    This institution is an equal opportunity provider. This is an Equal Opportunity Program. Discrimination is prohibited by Federal Law. Enclosed is an intake packet for you to fill out and return. Although this intake packet is used with all of Clinch-Powell’s repair program options, some questions and forms are specific to individual programs; these items are included up front in an effort to speed up the processing of your application. In addition to the intake provided, we will need other information/documentation from you in order to move forward in the process.

    This is an equal opportunity program. 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. NMLS# 195063 / S.Karge NMLS# 2403630

  • Applicant Information

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  • Family Information

  • Household income

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  • Applicant Employment

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  • Applicant: for 2nd job if applicable OR previous job

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  • Co-Applicant Employment

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  • Co-Applicant: for 2nd job if applicable OR previous job

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  • Household income (continued)

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  • Program participation questions

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  • This is an equal opportunity program. Discrimination is prohibited by Federal Law.

  • Terms and conditions, authorization to verify & release of information

  • I/We certify that all the information provided is complete, correct and true to the best of my knowledge. I understand that false or misleading information my result in the rejection of my intake packet. I understand that there may be other requirements depending on my progress and/or the type of financing option pursued. I also understand that the completion of this intake packet in no way guarantees me repairs to my home or the loans/funds to purchase such repairs. Although employees of Clinch-Powell will package my application to the best of their abilities, Clinch-Powell does not have any control or influence over Rural Development’s, Federal Home Loan Bank, TN Housing Development Agency, or any other funder/provider’s decision to approve or deny my loan/grant application.

    I understand that one of the purposes of this intake packet is for the purpose of having Clinch-Powell package my 504 loan application and submit the completed application to USDA Rural Development, in addition to submitting applications for any other available community repair programs. I realize that I have the option to apply to a Rural Development office directly, but I am choosing to have someone from Clinch-Powell work on my behalf to help gather documents and complete forms in order to “package” my loan application, and that there is a monetary fee associated with this packaging service.

    I understand that it is my responsibility to schedule meetings with my packager and provide the requested information/ documentation either promptly before or at the meeting. If I wish to cancel my scheduled meeting, I will do so by contacting Clinch-Powell no later than 24 hours prior to the scheduled meeting time.

    I/We authorize Clinch-Powell to check any and all information and/or references contained herein, including but not limited to creditors, employers, and landlords. Clinch-Powell may also ask to see and/or photocopy my Driver’s License, Identification Card, and/or Social Security Card for the purpose of confirming my identification or as specific programs require. I authorize Clinch-Powell to use my Social Security number for the purpose of obtaining my credit report for the purpose of evaluating my credit history. I also authorize the release of my credit report to Clinch-Powell by those credit reporting agencies from which Clinch-Powell may request my credit report. I understand that the information on my credit report will be used by Clinch-Powell, its affiliates, lenders, USDA Rural Development, Federal Home Loan Bank, or Tennessee Housing Development Agency only for the purpose of determining my potential eligibility for a home repair loan/program. This information will not be disclosed to outside, unrelated third parties without my knowledge.

    I authorize Clinch-Powell to contact me by any method I have provided. I understand Clinch-Powell has no control over the security of communication methods outside of its internally owned communication portals, and is therefore not responsible for external security breaches. I/we hereby authorize Clinch-Powell, when appropriate, to share information with USDA Rural Development, TN Housing Development Agency, Federation of Appalachian Housing Enterprises, Department of Housing & Urban Development, or another relevant third party or partnering agency for the purposes of program monitoring, reporting, compliance, and evaluation.

    By signing below, I/we are verifying that I have read and understand the terms set forth within this authorization, as well as, the disclosures and privacy policy that accompany this authorization. I understand that this form is an authorization to collect specific information and assess my situation, and it is not, in and of itself, a loan or credit application. This authorization will expire five (5) years from the dates below.

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  • Disclosure & Conflict of interest

  • 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], Corporation for National and Community Service, Federal Home Loan Bank, the Environmental Protection Agency, Tennessee Housing Development Agency, Fahe/ Just Choice Lending, Citizens Bank & Trust Co. of Grainger County, BB&T Bank, SunTrust Bank, public 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.

  • This is an equal opportunity program. 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. NMLS# 195063 / S.Karge NMLS# 2403630

     

  • 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,
    • 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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  • Repairs

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  • Demographic information

    The information regarding race, ethnicity, and sex solicited on this application is requested in order to assure the Federal Government, acting through the Rural Development, that Federal laws prohibiting discrimination against applicants seeking to participate in this program on the basis of race, color, national origin, religion, sex, familial status, age, and handicap are being complied with. You are not required to furnish this information but are encouraged to do so. This information will not be used in evaluating your application or to discriminate against you in any way. However, if you choose not to furnish it, the grantee is required to note the race, ethnicity/national origin, and sex of the individual applicants on the basis of visual observation or surname.
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  • Dear Potential Applicant:

    After talking with you, we think that a direct Section 504 single family housing loan through the Rural Housing Service (known as the “Agency”) is a good loan for you. The Rural Housing Service is an Agency of the United States Department of Agriculture.

    We do not work for the Agency; we are an outside loan application packager. Clinch-Powell will assist you in applying for a loan through the Agency. We do not guarantee that your loan application will be approved or funded by the Agency.

    For our services, you will pay a loan application packaging fee of no more than $750. The fee is due only if the Agency approves you for a grant or a loan and the project closes. We will assist you in finding means to cover the fee from various sources. To the extent other sources are unavailable, we may waive the fee. Under certain circumstances, part or all of this fee may be included in yourloan. You are not required to work with a loan application packager to receive assistance from the Agency. You may work directly with the Agency and avoid the loan application packaging fee. Working with our organization provides you with the following benefits:

    • We will act as a go-between for you and the Agency.
    • We will make sure that your paperwork is in order, which should shorten the time it takes for the Agency to make an eligibility decision.

    By signing below, you acknowledge these facts and confirm your desire to work with Clinch-Powell Home Team.

    Respectfully,
    Clinch-Powell

    Please complete, sign/date, and return this letter to us so that we can serve as your loan application packager.
    WAIVER OF PROVISIONS TO THE PRIVACY ACT OF 1974
    To better serve as your advocate with the Agency, we need to be kept informed of the Agency’s processing of your application and we may need access to items directly obtained by the Agency. By signing below, you authorize the Agency to release to and discuss with Clinch-Powell and Fahe any information we may seek or request from the Agency's records concerning your application for Agency assistance.

    I/We acknowledge these facts and confirm my/our desire to work with Clinch-Powell.

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