Check all that apply and add amount next to them and weekly, bi-weekly, monthly, bi-monthly, annually, how long will you be receiving these funds?
You have shown interest in the First Time Homebuyer Certification. Please answer the additional questions below.
The NeighborWorks® Home Ownership Center of Central Massachusetts (HOCCM) and our parent agency Oak Hill Community Development Corporation (Oak Hill CDC) provides information on a variety of housing topics. As part of our education and counseling work, we cover many different housing programs and loan products, makes referrals to housing industry professionals and partners, and offers not-for-profit real estate services. The housing counseling you receive from the NeighborWorks® HOCCM in no way obligates you to choose any of these particular housing programs, loan products, referrals, or services. No person working for the NeighborWorks® HOCCM or Oak Hill CDC personally profits from your decision to use our services beyond normal employee compensation.
We always make every effort to inform you of every service or product that may be relevant to your housing needs, including Department of Housing and Urban Development (HUD) and other state and federal government-sponsored programs, as well as private and for-profit options. Our agency will assist you in comparing the options available, but you retain every right to choose the program best for you.
In order to assist you with your housing needs, we may make referrals to other housing industry professionals and lending institutions for services we do not provide here. When our agency makes a service referral, we will always provide you with at least three different professionals or institutions. Additionally, some of these professionals and institutions sponsor our services through grants and fees. While we make every effort to only refer to industry-leading people and organizations, we do not endorse or guarantee the quality of the services of the provided referrals, regardless of whether they are or are not a sponsor of the agency.
Oak Hill CDC offers not-for-profit real estate services through a subsidiary, Oak Hill Realty Services LLC. You are in no way obligated to use these services and they do not constitute housing counseling in any way. If you do choose to use Oak Hill Realty as your agent, any fees collected from a real estate transaction will be used to fund the provision of housing counseling services at the NeighborWorks® HOCCM and the continuation of real estate services. If you choose to continue with housing counseling after engaging with Oak Hill Realty, you will be referred to a counselor not connected with Oak Hill Realty or another HUD-approved housing counseling agency. Additional real estate services disclosures are provided to potential real estate clients or upon request.
If you have any concerns about this policy, believe it has been violated, or even appears to have been violated, please contact a supervisor immediately. The supervisor will attempt to address your concern and provide you contact information for HUD if the concern persists. We believe strongly in providing professional and ethical services to all clients, as well as full transparency in our work. A copy of this signed policy is available upon request.
The NeighborWorks® HomeOwnership Center of Central Massachusetts 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 other personal information, will be provided to creditors, program monitors, and others only with your written authorization and signature. We may also provide anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs. A copy of this signed policy will be available upon request.
Types of information that we gather about you:
You may opt-out of certain disclosures:
Release of your information to third parties:
HomeOwnership Center of Central Massachusetts
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