Sacramento Neighborhood Housing Services, Inc. (SNHS)

HECM Pre-Appointment
Packet

HOW TO COMPLETE THIS PACKET: Fill in all required fields by typing directly into the form. Initial each acknowledgment line and sign in the signature boxes where indicated. Fields marked with * are required. For language assistance, please contact our office at (916) 452-5356.
Applicant Information
Please enter your first name.
Please enter your last name.
Please enter a valid 10-digit phone number, for example (916) 555-0100.
Please enter a valid email address.
Please enter a valid date of birth (4-digit year, on or before today).
Spouse and Property Information
Note: If married, the spouse must be counseled. If there is a durable Power of Attorney involved, please email it to us prior to the appointment to avoid any delays.
Counselor Access Code
Addendum to List of HECM Counselors (California Civil Code § 1923.2(k))

You have been provided a list of not fewer than ten housing counseling agencies approved by the United States Department of Housing and Urban Development to engage in reverse mortgage counseling, and you acknowledge that:

(1) A lender may not accept a final and complete application for a reverse mortgage from you or assess any fees upon you without first receiving certification that you have received counseling from an approved counseling agency.

(2) Reverse mortgage counseling is to be conducted in person, unless you elect to receive the counseling in another manner.

HECM Pricing Disclosure

Our Home Equity Conversion Mortgage (HECM), or Reverse Mortgage, counseling services are provided for a fee of $140.00, payable upon submission of the intake form.

Disclaimer: Please be advised that the certificate we issue is ONLY valid for FHA-backed HECMs, NOT private or Jumbo reverse mortgages.

If there is a durable Power of Attorney involved, please email it to us prior to the appointment to avoid any delays.

Please enter your first name.
Please enter your last name.
Sign above using mouse or touch
Please provide your signature.
Please enter a valid date (4-digit year, today or earlier).
Housing Counseling Disclosure

Services Offered: Sacramento Neighborhood Housing Services, Inc. offers the following HUD one-on-one counseling and group education services: Pre-Purchase Counseling, Foreclosure Prevention Counseling, Home Equity Conversion Mortgage Counseling, Rental Counseling, Non-Delinquent Post-Purchase Counseling, Preparing for HomeOwnership Workshops, and Financial Capability Classes.

Privacy Statement: Sacramento Neighborhood Housing Services, Inc. values your privacy. When you use our service, we collect personal information in order to provide the services you requested and to support our housing counseling program. We collect the following information: information we receive from your application and other forms, information about your transactions with us, our affiliates, or others, and information we receive from a consumer reporting agency. Our agency takes precautions to keep your information confidential and secure per HUD requirements. Sacramento Neighborhood Housing Services, Inc. may not use or disclose the information provided by you without written consent except under the following circumstances: as necessary to provide the services you request, as required by law or in response to a subpoena or search warrant, or to outside auditors such as HUD or NeighborWorks America who have agreed to keep the information confidential.

Relationships with Industry Partners: Sacramento Neighborhood Housing Services, Inc. has financial relationships with several partners in the industries of lending, real estate, insurance, and other related fields.

No Client Obligation: There is no obligation to receive, purchase, or use any product or service offered by this agency or any services of its industry partners or another party in exchange for your receiving HUD housing counseling and/or education services.

Alternatives: As a condition of our services and in compliance with HUD's Housing Counseling Program requirements, we may provide information on alternative services, programs, and products available to you.

Acknowledgments – Please Initial Each Item
# Acknowledgment Initials
1 I understand that Sacramento Neighborhood Housing Services, Inc. provides housing counseling. A written action plan will be provided consisting of recommendations for handling my situation, possibly including referrals to other housing agencies as appropriate.
Required
2 I understand that Sacramento Neighborhood Housing Services, Inc. receives Congressional funds for housing counseling. As such, it is required to submit client-level information through the online reporting system with program administrators or their agents for program monitoring, compliance, and evaluation.
Required
3 I may be referred to other housing services or agencies as appropriate to assist with concerns that have been identified. I understand that I am not obligated to use any of the services offered to me.
Required
Third-Party Release of Information

1. Sacramento Neighborhood Housing Services, Inc. may disclose some or all of the information that we collect, as described above, to creditors, where we have determined that it would be helpful to you, would aid us in counseling you, or is a requirement for grant awards.

2. We may also disclose any nonpublic personal information about you as permitted by law (e.g., if we are compelled by legal process).

3. 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.

I acknowledge the above and have received a copy of Sacramento Neighborhood Housing Services, Inc.'s privacy policy.

Housing Counseling Disclosure – Applicant Signature
Please enter your first name.
Please enter your last name.
Sign above using mouse or touch
Please provide your signature.
Please enter a valid date (4-digit year, today or earlier).
Additional Disclosures and Disclaimers
The following information is for your reference only. No additional signatures or submissions are required for this section. Please review it before your appointment and have any questions ready for your counselor. You will receive a copy of this document once you submit your form.

HECM Counseling Fee: $140.00

After you submit this packet, you will receive a separate email from counseling@nwsac.org with instructions on how to post payment for the $140.00 HECM counseling fee. Your appointment will be confirmed upon receipt of payment.

Counseling Fee Payment – $140.00
Next Step for Payment: After you submit this packet, you will receive a separate email from counseling@nwsac.org with instructions on how to post payment for the $140.00 HECM counseling fee. Please watch your inbox (and check your spam or junk folder if you do not see it) for this email. Your appointment will be confirmed upon receipt of payment.
SNHS HECM Pre-Appointment Packet
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Submission Received

Thank you for completing the HECM Pre-Appointment Packet. A member of our team at Sacramento Neighborhood Housing Services, Inc. will contact you to confirm your appointment. Please watch your inbox for two emails from counseling@nwsac.org: a confirmation copy of your submission, and a separate email with instructions on how to post payment for the $140.00 HECM counseling fee. Be sure to check your spam or junk folder if you do not see them shortly. Your appointment will be confirmed upon receipt of payment.