- Your Sure Foundation

Your Sure Foundation, Inc.

CONSUMER CREDIT REPORT AUTHORIZATION AND RELEASE

I hereby authorize Your Sure Foundation, Inc. (YSF) to obtain my consumer report/credit information, credit risk scores and other enhancements to my consumer report (hereinafter collectively referred to as “Report”) for Counselor to provide housing counseling services. This authorization is intended to comply with a consumer report request as set forth in 15 U.S.C. 1681b(a)(2).

I understand and agree that YSF intends to use the credit report for the purpose of evaluating my financial readiness to purchase a home and/or to engage in pre-post purchase counseling activities.
I hereby agree to pay a $40.35 non-refundable fee for a single report and a $80.70 non-refundable fee for a couple’s report payable to YSF in the form of a credit card, money order or a cashier check to cover the cost of obtaining my/our credit report.

I acknowledge that the report is provided “AS IS” AND THAT YSF MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR A CAUSE OF PERFORMANCE WITH RESPECT TO THE ACCURACY, VALIDITY, OR COMPLETENESS OF THE REPORT OR THAT IT WILL MEET MY NEEDS AND CREDIT REPORTING SERVICE, LLC (CRS) EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES.

I recognize that the accuracy, validity or completeness of the Report provided by CRS is not guaranteed by CRS and I hereby release CRS and CRS’s parent, sister, affiliated companies, successors and assigns and its and their directors, officers, agents, employees and independent contractors (collectively, “CRS’s Affiliates”) from any liability for any negligence in connection with the preparation of the Report and from any loss, damages, expenses, costs or obligations of any kind and nature whatsoever suffered by me resulting directly or indirectly from the inaccuracy, invalidity or incompleteness of the Report.

I covenant not to sue or maintain and claim, cause of action, demand, cross action, counterclaim, third party action or other form of pleading against YSF or CRS’s Affiliates for damages based upon the inaccuracy, invalidity or incompleteness of any Report provided by CRS hereunder.

If one or more of the provisions, or a portion of a provision of this document are held for any reason to be invalid, illegal or unenforceable, such invalidity or illegality or unenforceability will not affect any other provisions of this document, and this document will be construed as if such invalid, illegal or unenforceable provision had not been contained herein.

Your Sure Foundation, Inc.

HOUSING COUNSELING AGREEMENT

• I understand that Your Sure Foundation, Inc. (YSF) provides confidential pre-purchase & post- purchase housing counseling after which I will receive a written action plan consisting of recommendations for handling my credit and finances, possibly including referrals to other agencies as appropriate.

• I understand YSF is a non-profit and / or government housing counseling agency and may share my information with affiliated partners to better assist me. I authorize my lender, servicer, or insurer to share my information with YSF. Funding comes from Community partners and private foundations.

• I may be referred to other services 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 is not allowed to give legal advice. If I am in need of any legal advice, I will be referred for appropriate assistance.

• I understand that YSF provides information on numerous loan products and I further understand that the housing counseling I receive from YSF in no way obligates me to choose any of these particular loan products.

I acknowledge that I have received a copy of the Privacy Policy

Your Sure Foundation, Inc.

Program Disclosure Form

NOTE: If you have an impairment, disability, language barrier, or otherwise require an alternative means of completing this form or accessing information about housing counseling, please talk to your housing counselor about arranging alternative accommodations.

About Us and Program Purpose: Your Sure Foundation, Inc. is a nonprofit, financial literacy and housing counseling agency. We provide education workshops, financial literacy and housing counseling including pre-purchase, non-delinquency post-purchase, counseling. We serve all clients regardless of income, race, color, religion/creed, sex, national origin, age, family status, disability, or sexual orientation/gender identity. We administer our programs in conformity with local, state, and federal anti-discrimination laws, including the federal Fair Housing Act (42 USC 3600, et seq.). As a counseling program participant, please affirm your roles and responsibilities along with the following disclosures and initial, sign, and date the form on the following page.

Client and Counselor Roles and Responsibilities:

Counselor’s Roles and Responsibilities

Reviewing your housing goals and your finances; which include your income, debts, assets, and credit history.

Preparing a Client Action Plan that lists the steps that you and your counselor will take in order to achieve your housing goal.
Preparing a household budget that will help you manage your debt, expenses, and savings.
Your counselor is not responsible for achieving your housing goal, but will provide guidance and education in support of your goal.
Neither your counselor nor YSF employees, agents, or directors may provide legal advice.

Clients Roles and Responsibilities

Completing the steps assigned to you in your Client Action Plan.
Providing accurate information about your income, debts, expenses, credit, and employment.
Attending meetings, returning calls, providing requested paperwork in a timely manner.
Notifying your counselor when changing housing goal.
Attending educational workshop(s) (i.e. pre-purchase counseling workshop) as recommended.
Retaining an attorney if seeking legal advice and/or representation in matters such as foreclosure or bankruptcy protection.

Termination of Services: Failure to work cooperatively with your housing counselor and/or YSF will result in the discontinuation of counseling services. This includes, but is not limited to, missing three consecutive appointments.

Agency Conduct: No YSF employee, officer, director, contractor, volunteer, or agent shall undertake any action that might result in, or create the appearance of, administering counseling operations for personal or private gain, provide preferential treatment for any person or organization, or engage in conduct that will compromise our agency’s compliance with federal regulations and our commitment to serving the best interests of our clients.

Agency Relationships: YSF has financial affiliation with local organizations, and several lenders. As a housing counseling program participant, you are not obligated to use the products and services of YSF or our industry partners.

Alternative Services, Programs, and Products & Client Freedom of Choice: YSF has a first-time homebuyer program, however, you are not obligated to participate in this or other YSF programs and services while you are receiving housing counseling from our agency.
You may consider seeking alternative products and services from entities including the Federal Housing Authority (FHA) for first-time homebuyer loan programs, the Veteran’s Administration or USDA Rural Development for first time home buyer programs. You are entitled to choose whatever real estate professionals, lenders, and lending products that best meet your needs.

Referrals and Community Resources: You will be provided a community resource list which outlines the county and regional services available to meet a variety of needs, including utilities assistance, emergency shelter, transitional housing, food banks, and legal aid assistance. This list also identifies alternative agencies that provide services, programs, or products identical to those offered by YSF and its exclusive partners and affiliates.

Privacy Policy: I/we acknowledge that I/we received a copy of YSF’s Privacy Policy.
Errors and Omissions and Disclaimer of Liability: I/we agree YSF its employees, agents, and directors are not liable for any claims and causes of action arising from errors or omissions by such parties, or related to my participation in YSF counseling; and I hereby release and waive all claims of action against YSF and its affiliates. I have read this document, understand that I have given up substantial rights by signing it, and have signed it freely and without any inducement or assurance of any nature and intend it to be a complete and unconditional release of all liability to the greatest extent allowed by law. If any provision of this document is unenforceable, it shall be modified to the extent necessary to make the provision valid and binding, and the remainder of this document shall remain enforceable to the full extent allowed by law.

Quality Assurance: In order to assess client satisfaction and in compliance with grant funding requirements, YSF, or one of its partners, may contact you during or after the completion of your housing counseling service. You may be requested to complete a survey asking you to evaluate your client experience. Your survey data may be confidentially shared with YSF grantors such as the Housing Authority of Maricopa County.