AUTHORIZATION AND RELEASE
I understand that by filing this application, I am authorizing Habitat for Humanity to evaluate my actual need for the Habitat
homeownership program, my ability to repay an affordable loan and other expenses of homeownership, and my willingness to be a
partner through sweat equity.
I understand that the evaluation will include personal visits, a credit check and employment verification. I have answered all the questions
on this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that even
if I have already been selected to receive a Habitat home, I may be disqualified from the program and forfeit any rights or claims to a
Habitat home. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved.
I also understand that Habitat for Humanity screens all applicants on the sex offender registry. By completing this application, I am
submitting myself to such an inquiry. I further understand that by completing this application, I am submitting myself to a criminal
background check.
RIGHT TO RECEIVE COPY OF APPRAISAL
This is to notify you that we may order an appraisal in connection with your loan and we may charge you for this appraisal. Upon
completion of the appraisal, we will promptly provide a copy to you, even if the loan does not close.
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that monitors compliance with this law concerning this company is the Federal Trade Commission, with offices at Midwest Region, Federal Trade Commission, 230 South Dearborn Street, Suite 3030, Chicago, Illinois 60604 or Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
You need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant's eligibility for the program and the affordable mortgage amount, information regarding the applicant's marital status; alimony, child support, and separate maintenance income; and the spouse's financial resources.
Accordingly, if you receive income from these sources and do not provide this information with your application, your application will be considered incomplete and we will be unable to invite you to participate in the Habitat program.
