NATIONAL FORECLOSURE MITIGATION COUNSELING PROGRAM (NFMCP)
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Por favor encuentre nuestra aplicación para el programa de Prevencion e Intervención de Adjudicación
Hipotecaria. Es importante que usted complete la aplicación en su totalidad a fin de poder estar mejor preparados
para discutir la manera de ayudarle. Como el tiempo es critico en prevenir la posibilidad de una adjudicacion
hipotecaria, usted debe de completar y devolver la solicitud tan pronto como sea posible, a fin de pueder ayudarlos.
Debido al alto volumen de aplicaciones, por favor noten que tomara entre 1 a 3 semanas para procesar esta
aplicacion.
Lo siguiente es una lista de documentos que deben ser incluidos con la solicitud:
- Carta explicando su situacion (firme su nombre, escriba su nombre y ponga la fecha en la carta)
- Copias de las ultimas facturas de servicios publicos (la factura de electricidad es preferida)
- 2 mas recientes talones de pago para cada persona en el hogar
- Los mas recientes estados bancarios
- Prueba de ingresos de SSI/SSD, penciones, sustento de menores, etc. por cada persona en el hogar
- Ultima correspondencia de su prestamista
- Si ha recivido papeles de la corte, por favor solo mande la primera pagina
POR FAVOR NO MANDE DOCUMENTOS ORIGINALES.
APLICACIONES INCOMPLETAS NO SERAN PROCESADAS.
Por favor devuelvanos su applicacion via correo, fax, o en persona.
Despues de recivir y procesar su aplicacion completa, nosotros le llamaremos para hacer una cita. Si no tiene
numero de telefono, por favor de un numero de contacto donde podemos dejarle un mensaje.
Debido a la urgencia de dar a nuestros clients la asistencia que necesitan oportunamente, si Ud. no puede mantener
su cita, por favor llamenos al menos 24 horas antes para poder citarlo de nuevo y dar su cita original a otro cliente.
Sinceramente,
William J. Sanchez
Vice-President
Program Manager
Tampa Bay Community Development Corporation |
Informacion del Cliente
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INFORMACIÓN SOLAMENTE DEL SOLICITANTE
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FOR TAMPA BAY CDC USE ONLY
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APLICACION PROGRAMA PARA EVITAR UNA ADJUDICACION HIPOTECARIA
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| Reviso de prestamos predetorios |
* Cuando compro su casa, cree Ud. que fue victima de fraude de prestamo o un prestamo abusivo?
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* Entendio Ud. todos los terminos y condiciones del prestamo?
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| Estafas en modificaciones / estafas en adjudicaciones hipotecarias |
* Alquien ofrecio ayudarle a modificar su prestamo, directament, o por anuncio, o de alguna otra manera como cartel o tarjeta postal?
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* Fue Ud. garantizado una modificacion de prestamo, o se le pidio que hiciera cualquiera de lo siguiente: pagar una cuota, firmar un contrato, pagar la hipoteca a otro, firmar su titulo de casa a otro, o dejar de pagar su hipoteca?
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| Despues de la consulta con su consejera/o si creemos que Ud. ha sido victima de un prestamo abusibo o de estafa de modificacion, nosotros le pasaremos la informacion a la agencia apropiada. |
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INFORMACION DE EMPLEO
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Salario total de los miembros de la casa: $
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Mensuales "para llevar a casa" ingresos
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Nombre del aplicante:
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Gastos mensuales
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DETERMINACION PRIMARIA
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| Junto con su Consejero van a determinar si la situacion es temporaria/curable o permanente/incurable |
OPCIONES POSIBLES SI INCURABLE:
Titulo en lugar de adjudicacion (Prestamos FHA solamente)
Venta antes de adjudicacion
Venta corta
Bancarota |
OPCIONES POSIBLES SI CURABLE:
Plan de pago con prestamista(s)
Acuerdo de forebreance con prestamista(s)
Modificacion de prestamo con prestamists(s)
Refinanciar prestamo si hay valor o terminos favorables
Aplicacion para Prestamo de Emergencia |
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| Mensaje Importante: Participacion en el Programa Para Evitar Una Adjudicacion Hipotercaria no los obliga o requiere que Uds. Usen otros servicios o productos que pueden ser ofrecidos o recomendados por Tampa Bay CDC. |
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DIVULGACION DE POLIZA PARA COLECCION DE NUMEROS DE SEGURO SOCIAL
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Tampa Bay CDC y sus patrocinadores gubernamentales reunen su numero de Seguro Social por las siguientes razones: clasificacion de cuentas, identificacion y verificacion, merito de credito, facturacion y pagos, coleccion de datos, conciliacion, seguimiento, tramitacion de beneficious, reportar impuestos, y requisitos para procesar subvenciones o prestamos bajo Seccion 119.071(5), Florida Statutes (Ley de la Florida) (2007). Numeros de Seguro Social sirven como un identificador numerico unico, y pueden ser usados para estas razones.
Firmando esta forma Yo/Nosotros afirmamos que hemos recivido una copia de la Divulgacion de Poliza para Coleccion de Numeros de Seguro Social. |
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NATIONAL FORECLOSURE MITIGATION COUNSELING PROGRAM (NFMCP)
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AUTHORIZATION TO RELEASE PERSONAL & FINANCIAL INFORMATION
AUTORIZACION PARA OBTENER INFORMACION PERSONAL Y FINANCIERA
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To Whom It May Concern:
With receipt of this written authorization, I (we) hereby authorize you to release personal or financial information, which may be contained in your files regarding the above, named persons or accounts. Release of information may be verbal, written, or by FAX transmission and released to representatives of: |
Tampa Bay Community Development Corporation
2139 N.E. Coachman Rd., Suite 1
Clearwater, FL 33765 |
I further authorize Tampa Bay CDC to obtain all information necessary, including a credit report, to assist me/us in an
evaluation of our present situation. I understand that the information may be shared with volunteer advisors and/or lenders in an effort to determine eligibility for a workable solution to prevent foreclosure.
Tampa Bay CDC is a HUD certified counseling agency, providing services in Florida, and I am requesting their assistance in resolving a current or threatened mortgage deficiency problem. Your cooperation with them in this matter will be greatly appreciated. |
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FORECLOSURE MITIGATION COUNSELING AGREEMENT
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- I understand that Tampa Bay Community Development Corporation (TBCDC) provides foreclosure mitigation
counseling after which I will receive a written action plan consisting of recommendations for handling my finances,
possibly including referrals to other housing agencies as appropriate.
- I understand that TBCDC receives Congressional funds through the National Foreclosure Mitigation Counseling
(NFMC) program and, as such, is required to share some of my personal information with NFMC program
administrators or their agents for purposes of program monitoring, compliance and evaluation.
- I give permission for NFMC program administrators and/or their agents to pull my credit report up to two additional times between now and June 30, 2010 and to give authorization for NFMC program administrators and/or their agents to follow-up with me between now and June 30, 2010 for the purposes of program evaluation.
- I acknowledge that I have received a copy of TBCDC’s Privacy Policy.
- 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.
- 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.
- I understand that TBCDC provides information and education on other housing programs and I further understand that the housing counseling I receive from TBCDC in no way obligates me to choose any of these particular housing programs.
- In addition, I agree to the following terms of service:
- I will always provide honest and complete information to my counselor whether verbally or in writing
- I will provide all necessary documentation and follow-up information within the timeframe requested.
- I will be on time for appointments and understand that if I am late for an appointment, the appointment will be rescheduled or will still end at the scheduled time.
- I will call within 12 hours of a schedule appointment if I am unable to attend an appointment.
- I will contact the Counselor about any changes in my situation immediately.
- I understand that breaking this agreement may cause the counseling organization to sever its service assistance to me.
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PRIVACY POLICY
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Tampa Bay Community Development Corporation is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your “nonpublic personal information,” such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors, program monitors, and others only with your authorization and signature on the Foreclosure Mitigation Counseling Agreement. We may also use anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research
information and designing future programs.
Types of information that we gather about you
- Information we receive from you orally, on applications or other forms, such as your name, address, social security number, assets, and income;
- Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage; tax statements, bank statements; and
- Information we receive from a credit reporting agency, such as your credit history.
You may opt-out of certain disclosures
- You have the opportunity to “opt-out” of disclosures of your nonpublic personal information to third parties (such as your creditors), that is directed to us not to disclose.
- If you choose to “opt-out”, we will not be able to answer questions from your creditors. If at any time, you wish to change your decision with regard to your “opt-out” decisions, you may contact us in writing at Tampa Bay CDC, 2139 N.E. Coachman Road, Suite 1, Clearwater, FL 33765.
Release of your information to third parties
- So long as you have not opted-out, we may disclose some or all of the information that we collect, as described above, to your creditors or third parties where we have determined that it would be helpful to you, would aid us in counseling you, or is a requirement of grant awards which make our services, possible.
- We may also disclose any nonpublic personal information about you or former clients to anyone as permitted by law (e.g., if we are compelled by legal process).
- Within the organization, 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.
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DIVULGACION DE POLIZA PARA COLECCION DE NUMEROS DE SEGURO SOCIAL
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Effectivo Octubre 1, 2007
Le informamos que Tampa Bay CDC y sus patrocinadores gubernamentales reunen su numero de Seguro Social por las siguientes razones: clasificacion de cuentas, identificacion y verificacion, merito de credito, facturacion y pagos, coleccion de datos, conciliacion, sequimiento, tramitacion de beneficious, reportar impuestos, y requisitos para procesar subvenciones y prestamos bajo Seccion 119.071(5), Florida Statutes (Ley de la Florida) (2007). Numeros de Seguro Social sirven como un identificador numerico unico, y pueden ser usados para estas razones |
POR FAVOR MANTENGA ESTA DIVULAGACION CON SU DOCUMENTACION
NO DEVUELVA ESTA FORMA CON SU APLICACION |
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| (Haciendo clic en esta caja, verifico que soy la persona nombrada anteriormente y que estoy autorizado a dar testimonio a y someter esta aplicacion en mi nombre.) |
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