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High Plains CDC Terms+Conditions
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: High Plains Community Development Corp. Inc. (High Plains CDC) is a nonprofit, HUD-approved comprehensive housing counseling agency. We provide education workshops and a full spectrum of housing counseling including pre-purchase, foreclosure prevention, non-delinquency post-purchase and reverse mortgage 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 housing 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 goal 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 High Plains’ employees, agents or directors may provide legal advice.
Client’s 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 High Plains CDC or your counselor when changing your 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 High Plains CDC will result in the discontinuation of counseling services. This includes, but is not limited to, missing three consecutive appointments.
Agency Conduct: No High Plains CDC 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.
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Agency Relationships: High Plains CDC partners with many organizations such as US Dept. of Housing and Urban Development, USDA Rural Development, Nebraska Investment Finance Authority, Nebraska Housing Developers Assn., Nebraska Dept. of Economic Development, Federal Home Loan Bank of Topeka and the Fair Housing Center of NE and IA. As a housing counseling program participant, you are not obligated to use the products and services of High Plains CDC or our industry partners.
Errors and Omissions and Disclaimer of Liability: I/we agree High Plains CDC, 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 High Plains CDC’s counseling; and I hereby release and waive all claims of action against High Plains CDC 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, High Plains CDC, 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 High Plains CDC’s grantors such as HUD.