Cracking Credit's Code Workshop Registration Form

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AHEAD General Customer Service Agreement

 AHEAD’s mission is to create pathways to safe, affordable housing which strengthens and revitalizes rural communities. AHEAD actively supports and promotes fair housing education, counseling, and advocacy, to the end that all persons have the opportunity to secure the housing they desire and can afford, without discrimination based on their race, color, religion, gender, sexual orientation, gender identity, gender expression, national origin, familial status, marital status, disability, genetic information, ancestry, age, source of income or other characteristics protected by law.

 1.   I understand that AHEAD provides home purchase, foreclosure prevention, reverse mortgage, rental and financial counseling for which require me to complete an AHEAD intake packet. After my initial counseling appointment, I will receive a written action plan consisting of recommendations for handling my finances, possibly including referrals to other agencies as appropriate. 

 2.   I understand that AHEAD receives funds from HUD, NeighborWorks America®, NHHFA and other local financial institutions and, as such, is required to share some of statistical demographic information with program administrators or their agents for purposes of program monitoring, compliance and evaluation.

 3.  I acknowledge that I have received a copy of AHEAD’s Privacy Policy.

 4.  I may be referred to other housing services of the organization or another agency or agencies as appropriate that may be able to assist with particular concerns that have been identified. I understand that I am not obligated to use any of the services offered to me.  

5.   A counselor may answer questions and provide information, but not give legal advice. If I want legal advice, I will be referred for appropriate assistance.

 6.   I understand that AHEAD is a Housing Counseling organization and is not a mortgage lender or realtor. AHEAD provides information and education on numerous loan products and housing programs and I further understand that the housing counseling I receive from AHEAD in no way obligates me to choose any of these particular loan products or housing programs.

AHEAD Confidentiality Agreement

The AHEAD HomeOwnership Center recognizes its duty to protect the privacy of its customers and will only release personal information to others with your written approval.  We agree to keep all information completely confidential and will not disclose details to any person(s), except to appropriate staff members and to others specifically authorized by you.

AHEAD staff will continue to uphold all confidentiality agreements throughout and after your affiliation with AHEAD, unless otherwise directed by you in writing.  In your best interest, it is our promise to you, that all information will remain personal and confidential.

While AHEAD recognizes the importance of not disclosing your personal information please be aware that any information pertaining to rental units owned by AHEAD WILL be disclosed to the appropriate management company.  Furthermore, any information that may affect an approval or denial on a mortgage approval WILL be disclosed to the lender.

Should you feel that your best interest are not being served by our staff please let us know as soon as possible so we may rectify the situation immediately.

AHEAD Privacy Policy and Practices

At AHEAD, we value your trust and are committed to the responsible management, use and protection of personal information. This notice describes our policy regarding the collection and disclosure of personal information.

Personal information, as used in this notice, means information that identifies an individual personally and is not otherwise publicly available information.  It includes personal financial information such as credit history, income, employment history, financial assets, bank account information and financial debts.  It also includes your social security number and other information that you have provided us on any applications or forms that you have completed.

 Information We Collect

We collect personal information to support our lending operations, financial fitness counseling and to aid you in shopping for and obtaining a home mortgage from a conventional lender.  We collect personal information about you from the following sources:

Information that we receive from you on applications or other forms,

Information about your transactions with us, our affiliates or others,

Information we receive from a consumer reporting agency, and

Information that we receive from personal and employment references.

Information We Disclose

We may disclose the following kinds of 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 your account balance, payment history and parties to your transaction; and

Information we receive from a consumer-reporting agency, such as your credit bureau reports, your credit history and your creditworthiness.

To Whom Do We Disclose

We may disclose your personal information to the following types of unaffiliated third parties:

Financial services providers, such as companies engaged in providing home mortgages, banking services or home equity loans;

Others, such as nonprofit organizations involved in community development, but only for program review, auditing, research and oversight purposes.

We may also disclose personal information about you to third parties as permitted by law.  Prior to sharing personal information with unaffiliated third parties, except as described in this policy, we will give you an opportunity to direct that such information not be disclosed.

Confidentiality and Security

We restrict access to personal information about you to those of our employees who need to know that information to provide products and services to you and to help them to do their jobs, including underwriting and servicing of loans, making loan decisions, aiding you in obtaining loans from others, and financial counseling.  We maintain physical and electronic security procedures to safeguard the confidentiality and integrity of personal information in our possession and to guard against unauthorized access.  We use locked files, user authentication and detection software to protect your information.  Our safeguards comply with federal regulations to guard your personal information.

If You Want More Information

If you have any questions regarding our Privacy Policy, please contact the Executive Director of AHEAD or the Manager of the HomeOwnership Center at (603) 444-1377 or write to AHEAD at 262 Cottage Street, Littleton, NH 03561.   (Revised 04/29/22)