Thank you for contacting Kingdom Community Development Corporation for assistance with
your mortgage difficulty. We provide comprehensive homeownership counseling for clients in default/delinquency of facing a foreclosure situation. Default counseling is a cooperative process where the counselor acts as a facilitator and educator rather than a lending expert. We are here to help; however, we can only provide assistance on your PRIMARY RESIDENCE.
We have scheduled your appointment for:
Please bring the following with you to your appointment:
- Mortgage Statement
- Any notices from the court or attorneys regarding foreclosure
- Proof of income (paystubs, award letter, etc.)
Please be prepared to discuss the hardship which caused you to fall behind, your sources of income, and your household expenses.
Appointments take from 90 minutes – 2 hours. If you are going to be late, please call in advance to let us know. If you have any other questions, please call the office during normal business hours. Our office is open from 8:30 am – 5:30 pm Monday – Friday.
Please note: If you need assistance due to language barriers, mobility impairments, visual or hearing impairments, or any other disabilities, please let us know so that we can provide necessary accommodations.
Kingdom CDC Staff
HOMEOWNER INTAKE SHEET
Present Housing Situation:
CLIENT BUDGET ANALYSIS
Counseling Services and Disclosure Statement
I/We understand that it is my/our right and responsibility to decide whether to engage in any
course of housing counseling with kingdom Community Development Corporation and to
determine if counseling is suitable for my housing concerns.
I/We understand that I am not obligated to receive, purchase or utilize any other services
offered by Kingdom Community Development Corporation, or its exclusive partners, in order
to receive housing counseling.
I/We understand that Kingdom Community Development Corporation has the discretion to
charge reasonable fees for counseling services, and that fees will be addressed prior to any
counseling appointments. I further understand that no fee will be charged if it creates a financial
hardship, nor will I be denied counseling if I cannot pay the fee.
I/We understand that Kingdom Community Development Corporation provides information
on a broad range of housing programs and products and that the housing counseling received from Kingdom Community Development Corporation in no way obligates me to choose any particular loan product or housing program discussed in my counseling session.
I/We understand that Kingdom Community Development Corporation does not guarantee
that I will receive mortgage financing from any lender and/or other mortgage financing entity.
I/We understand that the counselor may answer questions and provide information but must
refrain from giving legal advice.
I/We have read and understood the Kingdom Community Development Corporation
counseling disclosure statement.
Foreclosure Counseling Services and Partnership Disclosure Form
Foreclosure Mitigation Counseling may make you aware of products and/or services that we
believe offer value to our clients. These products and/or services might be available directly from Housing Counselors, lenders, developers, or other agencies with which Credit Counseling has a working relationship. You are under no obligation to us, the products and/or services identified by Housing Counseling, whether by us or from industry partners.
Services provided by Agency:
FLC: Financial Literacy
HBE: Homebuyer Education
BKC: Bankruptcy Counseling
FMC: Foreclosure Mitigation Counseling
Kingdom Community Development is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared, both orally and in writing, will be managed within legal and ethical considerations. Your personal financial information, such as your total debt
information, income, living expenses, and personal information concerning your financial circumstances, will be provided to creditors and possibly others with your specific authorization.
We may also use aggregated case file information for the purpose of evaluating services, gathering valuable research information, and designing future programs. Your anonymity will be maintained through the use of
your client number or by using aggregated data in all circumstances.
In all other situations, your information may be released to appropriate individuals or agencies ONLY UPON WRITTEN REQUEST or when our staff has been serviced by a valid subpoena.
The following PRIVACY PRACTICES detail the circumstances under which we will release your information to a third party:
- Wedo not disclose any nonpublic personal information about the client or former clients to
anyone, except permitted by law.
- We may compile data and aggregate information that you give us, but this information may not be
disclosed in a manner that would personally identify you in any way.
- We may disclose some or all of the information that we collect, as described below, to creditors, or
third parties that you have authorized who need this information in order for us to assist you after a
- Wemaydisclose all of the information thatwecollect as described below creditors and related financial institutions who need this information in order to put you on a debtsolver
- We restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
- We collect nonpublic personal information about you from the following source:
a. Information we received from you, our application, or other forms that may be provided
b. information about your transactions with us, your creditors, or others, and
c. information we receive from a credit reporting agency.
- We may disclose the following kinds of nonpublic information about you:
a. Information we receive from you on applications or other forms, such as your name,
address, social security number, assets, and income
b. information about your transactions with us, your creditors, and others, such as your
account balance, payment history, parties to transactions, and credit card usage; and
c. information we receive from your credit reporting agency, such as your credit history.
RELEASE: I hereby authorize Kingdom Community Development Corporation to release all nonpublic information it obtains about me, to (1) my creditors and (2) any third parties necessary to resolve the matter(s) discussed during my counseling session.
I further RELEASE and authorize all of my creditors to provide nonpublic information about me to this Housing.
Authorization to Release Information
authorize the release of any personal and financial information requested by Kingdom Community Development Corporation employees Amy Kemp, Tiffany Johnson, or other delegated staffer including:
- Employment and Income Records
- Checking, Savings, and/or Other Deposit Account Records Social Services, VA, and Other
Benefit Payment Verifications
- Courthouse and Other Public Records (titles, liens, taxes, fixed assets verifications, etc.)
- Creditor and/or Collection Account Information
- Mortgage Account Information AND/OR documents, Foreclosure Information, and/or
This authorization should be extended to any employee of Kingdom CDC identifying themselves with the company information listed below AND with the required personal information to identify me.
Uponreceipt, youareauthorizedto speakwithKingdomCDCemployeesby phone
and to provide information both verbally and in writing as requested. This authorization should be considered ongoing and enforced indefinitely from the date of signature.
AUTHORIZATION TO CREDIT REPORT REQUEST
SAMPLE HARDSHIP LETTER
RE: Loan Number
Property Address (123 Main St., Fayetteville, NC 28301)
This letter will serve as a hardship letter outlining our current financial situation. We hope that we can determine a solution together that will resolve the delinquency and enable us to keep our home.
Two years ago, I changed careers due to the lack of opportunity in my old field of work, retail sales. I decided to go into the construction business. I used a lot of our savings while I tried to get established in this new line of work. Unfortunately, the housing market has slowed down
dramatically, so my hours have been cut back since the beginning of 2010. My company had to lay me off because they did not have enough profit to cover my salary. I was unemployed for 3 months.
I began working for my current employer two months ago as a site manager. The company is very stable, and my hours have been consistent. I am making every effort to increase my income by working overtime when I can. My wife is looking for work as well. It has been difficult to pay my mortgage because of my recent unemployment and reduction in income. I
have contacted a HUD-Approved housing counseling agency, Kingdom Community
Development, to ask for their assistance in evaluating my financial problems. I want to keep my home.
I am hoping you will consider a loan modification for my home. Thank you for your time and attention to this matter.
Joe and Sandy Needhome
(Provide a method of contact) daytime or nighttime number
This is just a sample for you to go by