Estimado Propietario de Vivienda: Gracias por su interés en

Estimado Propietario de Vivienda:
Gracias por su interés en el Rhode Island Housing Help Center.
El próximo paso es completar y enviar los documentos requeridos a Rhode Island Housing Help
Center. Por Favor No Mande Documentos Originales. Los puede mandar por fax, correo o dejarlos
en nuestra oficina. Cuando recibamos su aplicación y los documentos requeridos, vamos a asignarlos
a un especialista para revisar. Rhode Island Housing Help Center se comunica con Usted dentro unos
días para hacer una cita o para pedir información sobre sus documentos.
Rhode Island Housing Help Center
43 Jefferson Boulevard
Warwick, RI 02888
Fax: 401-450-1370
Sinceramente,
Rhode Island Housing Help Center
Lista de Control Del HHFRI
Por Favor NO Mandar Documentos Originales
1. Sus últimas colillas de pago – 30 días consecutivos de colillas de pago de cada
solicitante y contribuidor (personas que no están en la hipoteca). Contribuidores tienen que
mandar una carta explicando el monto de contribución con fecha y firma.
2. Prueba de todas fuentes de ingresos adicionales para solicitantes/contribuidores
(SSI, SSDI, manutención de niños, renta etc.) Las cartas más recientes de SSI, SSDI, TDI y/o
desempleo Asistencia Gubernamental (ex. SNAP) por favor
incluye Informe Trimestral de
Beneficio.
3. Declaraciones fiscales federales - Declaraciones fiscales federales de los últimos dos
años (personal y empresa) con todos los adjuntos y formularios W2.
4. Estados de cuenta bancarios de los últimos de todas las cuentas bancarias (personal y
empresa) y deben incluir todas las páginas (frente y detrás). Por favor
no imprimir
documentos que no sean oficiales.
5. Empleados por su propia cuenta deben presentar un resumen de ganancias y gastos del
trabajo del año actual.
6. Recibo más reciente de las utilidades – recibo de gas, electricidad o cable.
7. Recibo más reciente de la hipoteca con número del préstamo y información del banco.
8. Carta de atraso de su hipotecario por falta de pago y/o aviso de embargo (si
aplica).
9. Recibo del impuesto anual de la propiedad con valor de tasación (si el pago de la hipoteca
actual no incluye los impuestos).
10. Póliza Del Seguro de la Vivienda – prima anual y monto total.
11. Documentos relativos a la bancarrota (si aplica).
12. Forma de identificación.
13. Documentos de Divorcio/Orden judicial una pensión alimentica (si aplica).
14. Recibos de la hipoteca y arrendamiento rental sobre propiedades de inversión.
15. Cuota de la Asociación de Propietarios (si aplica).
16. Formularios de Autorización/Dodd Frank/4506-T con firma y fecha de cada
solicitante.
17. Descripción Legal sobre la Propiedad que se ubica en Exhibit A de tu hipoteca.
18. Carta explicando su dificultad con firma y fecha.
*
Información Financiero
Información Del Propietario
PROPIETARIO
Propietario
CO-PROPIETARIO
Co-Propietario
Número de Seguro Social
Fecha de Nacimiento (mes/dia/año)
-
-
/
/
Número de Teléfono
(
Número de Seguro Social
-
-
(
/
)
Número Móvil
Número Móvil
Correo Electrónico
Correo Electrónico
Dirección
Dirección
Dirección Actual
Dirección Actual
Soltero (incluye divorciado, viuda)
Separado
Educación
Estatus Militar:
-
/
Número de Teléfono
)
Casado
Fecha de Nacimiento (mes/dia/año)
Casado
-
Soltero (incluye divorciado, viuda)
Separado
Educación
N/A
Estadounidense?
Activo
Si
Residente Permanente?
Veterano
No
Si
Estatus Militar:
Estadounidense?
No
N/A
Activo
Si
Residente Permanente?
Veterano
No
Si
No
Tamaño de Hogar.
Nombre
Relación al Solicitante
Edad
Page 2/13
Información de Empleo
PROPIETARIO
Empleo
CO-PROPIETARIO
Desempleo
Independiente
Empleo
Desempleo
Empleador
Empleador
Número del Trabajo
Número del Trabajo
(
)
-
(
)
# Años en Posición
# Años en Posición
Posición/Titulo
Posición/Titulo
Independiente
-
Información de Propiedad
Una Familia
Multi-familia (1-4
Domicilios)
Condición :
Yo quiero:
Excelente
Condo
Bueno
Mantener la Propiedad
Razonable
Mal Estado
Vender la Propiedad
La Propiedad está en venta? Si
No
Por el Propietario?
No
Si
Fecha de Compra
Valor Aproximado de la Propiedad
Esta propiedad es:
Residencia Principal
Has tenido cita con agencia de asesoría?
Segundo Hogar
Si
Casa de Inversión
No
Nombre de Consejero:
Nombre del Agente:
Número de Teléfono:
Has recibido una oferta?
Número de Teléfono:
Si
No
Correo Electrónico:
Fecha de Oferta?
Monto de Oferta $
Tienes una fecha de ejecución de una hipoteca?
Si
Has recibido carta de Mediación o Conciliación?
Se ha declarado en bancarrota?
Se ha descargado?
Si
No
Si
Fecha
No
Si
No
(si aplica):
Capítulo 7
No Número del Caso:
Capítulo 13 Fecha:
Abogado:
Page 2/13
Información Hipotecaria
Primer Hipoteca/Nombre del Banco
Número del Préstamo
Balance
Tasa Interés
Pago Mensual (Principal, Tasa Interés y Seguro)
Seguro Privado de Hipoteca (Si Aplica)
Tu Hipoteca esta al dia?
Si
Estás apunto de estar atrasado?
No
Si
No
Se ha modificado tu hipoteca antes?
Si
Has recibido Hardest Hit Funds antes?
Si
No
Tu impuestos de propiedad está incluido?
Los impuestos están al día?
Pagas cuota de Condominio?
Si
No
Quien paga seguro de riesgo para tu propiedad?
No
La póliza está actualizado?
Si $
Si
No
No
Pagado a quien?
Tienes un segundo hipoteca?
Si
No
Segunda Hipoteca/Nombre del Banco
Número del Préstamo
Balance
Tasa Interés
Pago Mensual (Principal, Tasa Interés y Seguro)
Seguro Privado de Hipoteca (Si Aplica)
Gravamen sobre la Propiedad? Por favor lista los nombres/compañías con su número de teléfono.
Dueño del gravamen sobre la Propiedad
Número de Teléfono
Balance
Número del Préstamo
Page 3/13
Información Para el Gobierno Federal
La siguiente información la solicita el gobierno federal para vigilar el cumplimiento de las leyes federales que prohíbe discriminación en viviendas. Usted no está obligado a
proporcionar esta información, pero le instamos a hacerlo. La ley dispone que un Prestador no puede discriminar en base a esta información ni por el hecho de que decida o
no proporcionarla. Si usted decide proporcionarla debe indicar grupo étnico y raza. Usted puede indicar más de una raza. Si usted no desea suministrar la información, de
acuerdo a las reglamentaciones federales el Prestador debe anotar la raza y el sexo basado en una observación visual y de acuerdo a su apellido si usted preparó esta
solicitud en persona. Si usted desea proporcionar la información, sírvase marcar en el cuadro ubicado en la parte inferior.
PROPIETARIO
No deseo proporcionar esta información
CO- PROPIETARIO
No deseo proporcionar esta información
PROPIETARIO
Etnicidad:
Hispano o Latino
Etnicidad:
Hispano o Latino
Raza:
Indio Americano o Nativo de Alaska
Asiático
Negro o Afroamericano
Nativo de Hawái o de otra isla del Pacifico
Raza:
Sexo:
No Hispano o Latino
Indio Americano o Nativo de Alaska
Asiático
Negro o Afroamericano
Nativo de Hawái o de otra isla del Pacifico
Femenino
Masculino
Blanco
Sexo:
Femenino
No Hispano o Latino
Masculino
Page 4/13
Blanco
Ingreso Mensual/ Gastos del Hogar
Page 5/13
Declaración Jurada de la Dificultad
Explicación (Requerida):
Si necesita más espacio, por favor de incluir una página adicional.
Page 6/13
HelpCenter Authorization / Disclosure
I understand that Rhode Island Housing provides foreclosure prevention counseling (“Counseling”) and I request that Rhode Island
Housing provide me such assistance. An overview of the range of Counseling services that I am entitled to receive is set forth on
Attachment A. I understand that I have a choice with respect to HUD-approved counseling agencies, and I am not required to use
Rhode Island Housing to provide counseling.
I authorize Rhode Island Housing to contact my mortgage lender or servicer
(collectively, the
“Mortgagee”) on my behalf regarding any loan secured by my property located at
(the “Loan”)
and to obtain from such Mortgagee any information regarding my Loan that Rhode Island Housing deems necessary to provide the
Counseling.
I have provided Rhode Island Housing information regarding my personal finances and authorize Rhode Island Housing to obtain a
credit report on me in order to provide the Counseling (this information, along with the information obtained from the Mortgagee, the
“Financial Information”).
I understand and agree that Rhode Island Housing will use the Financial Information to evaluate my options regarding the Loan and to
develop an action plan consisting of recommendations for handling of the Loan and my finances, which will be presented to me.
I understand that the Loan and the Financial Information will be discussed with the Mortgagee and that I may or may not be present
during the discussion.
I understand that Rhode Island Housing receives federal funds through the National Foreclosure Mitigation Counseling (“NFMC”)
program and, as such, is required to make client-level Financial Information and other client-level information available to the NFMC
data collection system. I authorize Rhode Island Housing to (a) submit client-level Financial Information and other client-level
information to the NFMC data collection system; (b) make available to NFMC representatives files containing Financial Information for
program monitoring and compliance purposes; and; (c) contact me to conduct follow-up related to program evaluation.
I understand that I have the right to decline to participate in follow-up related to program evaluation set forth in Section 6(c). Please
initial the appropriate line below:
I agree to participate in follow-up program evaluation.
I choose to opt out of follow-up program evaluation.
I may be referred to other housing services of Rhode Island Housing or another agency or agencies as appropriate that may be able to
assist with particular issues that have been identified. I understand that I am not obligated to use any of the services offered to me.
I understand that Rhode Island Housing provides a variety of lending and mortgage products, including: mortgage loans to low- and
moderate-income homebuyers and homeowners; home repair loans; home equity loans; septic system replacement loans; sewer tiein loans; lead abatement loans; loans for home weatherization; loans under the federal Hardest Hit Fund program to prevent
avoidable foreclosures; and loans for home modification to assist disabled residents. The loans described above may also be originated
by participating lenders or third-party brokers, who are compensated by Rhode Island Housing for their origination services. I further
understand that I am not obligated to use or receive any other products or services from Rhode Island Housing or its participating
lenders or brokers.
Rhode Island Housing offers a variety of mortgage-related services, including first-time homebuyer training and landlord training. I
understand that I am not obligated to use or receive any of these other services from Rhode Island Housing. If I already receive
mortgage-related services from Rhode Island Housing, I understand that I am not obligated to use Rhode Island Housing for
Counseling services and may choose from among HUD-approved housing counseling agencies.
I understand that a counselor may answer questions and provide information, but not provide legal advice. Counseling is not a
substitute for legal advice. If I want legal advice, I will be referred for appropriate assistance.
I acknowledge that I have received a copy of Rhode Island Housing’s Privacy Policy.
Loan Number ____________________________
Name (printed)
Signature
Date
Name (printed)
Signature
Date
Page 7/13
Attachment A
Outline of Counseling Services
The following is an outline of the Counseling Services which are provided as part of this program.
1. The Intake Counselor reviews the homeowner’s financial situation. In order to complete this review, the counselor obtains a credit
report and collects income and expense documentation. This allows the Counselor to analyze the homeowner’s financial capacity
and determine if there is a hardship.
2. If, based upon this intake and initial file, mortgage fraud is suspected, we may refer the case to the Consumer Protection Division
of the Rhode Island Attorney General and the Rhode Island Department of Business Regulation.
3. Based on the review of the information developed through the intake, and any supplemental information submitted, we will work
with you to develop an action plan to seek relief, including steps you may need to take to control household expenses, and any
additional documents you must submit.
4. We will review your situation to determine potential eligibility for loss mitigation options including the Making Home Affordable
programs and lender’s proprietary programs.
5. If appropriate, we will inform you of other local programs and resources that may be available to assist you. Examples of the
these services and programs include Food Stamps, Heating Assistance programs, Community Action Program agencies,
alternative housing options, financial management assistance (through Money Management International), legal assistance
(through Rhode Island Legal Services or the Rhode Island Bar Association), and the like.
6. If appropriate, we will assist you in preparing a hardship letter for submission to your lender/servicer to support your request for a
work out option. We will maintain communication with you and your lender/servicer to monitor the status of your loan workout
request and to ensure that all necessary documentation is submitted on time.
7. We will review and evaluate any written work out proposal you receive from your lender/servicer to help you determine whether
to accept the proposal.
8. We will ask you whether you have been offered questionable mortgage foreclosure prevention assistance, including proposals
that guarantee a successful outcome; require payment in advance of the provision of assistance; require that you stop making
mortgage payment or require redirection of your mortgage payments to someone other than your lender/servicer; involve signing
over title to your home to a third-party. If we suspect that improper practices are present we will report the practices to the
Consumer Division of the Rhode Island Attorney General and the Loan Modification Scam alert website.
Page 8/13
Page 9/13
Third Party Authorization Form
Mortgage Lender/Servicer Name
[Account][Loan] Number
The undersigned Borrower and Co-Borrower (if any) (individually and collectively, “Borrower” or “I”), authorize the above
mortgage lender/servicer and its successors and assigns (individually and collectively, “Servicer”) and the following third
parties
Rhode Island Housing
(401) 277-1500
[State HFA Entity]
[State HFA Contact Phone Number]
Hardest Hit Fund provider ________________________________________________________
[Relationship of Other Third Party to Borrower and Co-Borrower]
(individually and collectively, “Third Party”) to obtain, share, release, discuss, and otherwise provide to and with each other
public and non-public personal information contained in or related to the mortgage loan of the Borrower. This information may
include (but is not limited to) the name, address, telephone number, social security number, credit score, credit report, income,
government monitoring information, loss mitigation application status, account balances, program eligibility, and payment
activity of the Borrower. I also understand and consent to the disclosure of my personal information and the terms of any
agreements under the Making Home Affordable or Hardest Hit Fund Programs by Servicer or State HFA to the U.S. Department
of the Treasury or their agents in connection with their responsibilities under the Emergency Economic Stabilization Act.
The Servicer will take reasonable steps to verify the identity of a Third Party, but has no responsibility or liability to verify the
identity of such Third Party. The Servicer also has no responsibility or liability for what a Third Party does with such
information.
Before signing this Third Party Authorization, beware of foreclosure rescue scams!
 It is expected that a HUD-approved housing counselor, HFA representative or other
authorized third party will work directly with your lender/mortgage servicer.
 Please visit http://makinghomeaffordable.gov/counselor.html to verify you are working
with a HUD-approved housing counseling agency.
 Beware of anyone who asks you to pay a fee in exchange for a counseling
service or modification of a delinquent loan.
This Third-Party Authorization is valid when signed by all borrowers and co-borrowers named on the mortgage and until the
Servicer receives a written revocation signed by any borrower or co-borrower.
I UNDERSTAND AND AGREE WITH THE TERMS OF THIS THIRD-PARTY AUTHORIZATION:
Borrower
Co-Borrower
Printed Name
Printed Name
Signature
Date
SIGN
Signature
SIGN
Date
Page 10/13
HHFRI Program Authorization / Disclosure Form
I understand that I am seeking assistance through the Housing Finance Agency Innovation Fund for Hardest-Hit housing markets (“HHF” or “HardestHit Fund”) established by the U.S. Department of the Treasury (“U.S. Treasury”) and administered by Rhode Island Housing. These funds will be used on
behalf of qualified Rhode Island homeowners to help prevent avoidable foreclosures and to stabilize housing markets.
1. I/We am/are a Borrower/Co-Borrower regarding a loan (the “Loan”) from
secured by my property located at
(the “Property”).
(the “Lender/Servicer”) and
2. I/We authorize Rhode Island Housing to contact my mortgage Lender/Servicer or any other designated third party on my behalf regarding
any Loan secured by my Property and to obtain from such party any information regarding my Loan.
3. I/We have provided Rhode Island Housing information regarding my personal finances (“Financial Information”) and authorize Rhode Island
Housing to obtain a credit report on me in order to process my request for assistance. In addition, if HHFRI assistance is provided by Rhode
Island Housing on my behalf, I authorize Rhode Island Housing to obtain credit reports in the future in order to monitor the status of my
participation and in order to obtain information that Rhode Island Housing is required to report to Treasury under the Hardest-Hit Fund
Program.
4. I/We understand and agree that Rhode Island Housing will use the Financial Information to evaluate my options.
5. I/We understand that the Loan and the Financial Information will be discussed with the lender/servicer or counselor and that I may or may
not be present during the discussions.
6. I/We understand that Rhode Island Housing receives federal funds from the U.S. Treasury and, as such, may be required to share some of my
Financial Information with U.S. Treasury program administrators or their agents for purposes of program monitoring, compliance and
evaluation. I authorize Rhode Island Housing to disclose to Treasury my Financial Information as required to comply with requirements of the
Hardest-Hit Fund.
7. I/We may be referred to other housing services of the organization or another agency or agencies as appropriate that may be able to assist
with particular issues that have been identified. I understand that I am not obligated to use any of the services offered to me.
8. I/We acknowledge that I have received a copy of Rhode Island Housing’s Privacy Policy.
Loan Number
Borrower Name (print)
Signature
Date
Co-Borrower (print)
Signature
Date
Page 11/13
Borrower’s Certification and Authorization Form
The undersigned certify the following:
(a) I/We have applied for a mortgage loan from RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION. In
applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and
source of down payment, employment and income information, and assets and liabilities. I/We certify that all of the information is
true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/we omit pertinent
information.
(b) I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014.
Authorization to Release Information
To whom it may concern:
•
I/We have applied for a mortgage loan from RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION. As part
of the application process, RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION may verify information
contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed
or as a part of its quality control program.
•
I/We authorize you to provide RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION any and all
information and documentation that they request. Such information includes, but is not limited to, employment history and
income; bank, money market, and similar account balance; credit history; and copies of income tax returns.
•
RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION may address this authorization to any party named
in the loan application.
•
A copy of this authorization may be accepted as an original.
•
Your prompt reply to RHODE ISLAND HOUSING AND MORTGAGE FINANCE CORPORATION is appreciated.
Borrower Signature
Date
Co-Borrower Signature
Date
-
Social Security #
-
Social Security #
Page 12/13
ACKNOWLEDGEMENT AND AGREEMENT
In making this request for consideration to review my loan terms I/We certify under penalty of perjury:
• That all of the information in this document is truthful and the event(s) identified is/are the reason that I/we need to request
HHFRI assistance.
• I/we understand that Rhode Island Housing, the U.S. Department of the Treasury, or its agents may investigate the
accuracy of my/our statements and/or may require me/us to provide supporting documentation. I/we also understand that
knowingly submitting false information may violate Federal law.
• I/we understand that Rhode Island Housing will pull a current credit report on all HHFRI obligated borrowers.
• I/we understand that if I/we have intentionally defaulted on my/our existing mortgage, engaged in fraud or
misrepresented any fact(s) in connection with this document, Rhode Island Housing may cancel any assistance
through Hardest-Hit Fund.
• I/we have not received a condemnation notice; and there has been no change in the ownership of the Property since
I/we signed the documents for the mortgage that I/we are seeking HHFRI assistance.
• I/we certify that I/we will seek debt management counseling through a HUD approved counseling agency, if it is
determined that my/our financial hardship is related to excessive debt.
• I/we am willing to provide all requested documents and to respond to all Rhode Island Housing questions in a timely manner.
• I/we understand that Rhode Island Housing will use the information in this document to evaluate my/our eligibility for
HHFRI assistance, but Rhode Island Housing is not obligated to offer me/us assistance based solely on the statements
in this document.
• I/we understand that Rhode Island Housing will collect and record personal information, including, but not limited to,
my/our name, address, telephone number, social security number, credit score, income, payment history, government
monitoring information, and information about account balances and activity. I/we understand and consent to the disclosure
of my/our personal information and the terms of any HHFRI assistance by Rhode Island Housing to (a) the U.S. Department
of the Treasury,
• any investor, insurer, guarantor or servicer that owns, insures, guarantees or services my/our first lien or subordinate lien (if
applicable) mortgage loan(s);
• companies that perform support services in conjunction with HHFRI; and (d) any HUD certified housing counselor.
•
My/Our property is owner occupied; I/we intend to reside in this property for the next twelve months.
My/Our property is not owner occupied.
NOTICE TO BORROWERS
Be advised that you are signing the following documents under penalty of perjury. Any
misstatement of material fact made in the completion of these documents including but not
limited to misstatement regarding your occupancy in your home, hardship circumstances,
and/or income will subject you to potential criminal investigation and prosecution for the
following crimes: perjury, false statements, mail fraud, and wire fraud. The information
contained in these documents is subject to examination
and verification. Any potential misrepresentation will be referred to the appropriate law
enforcement authority for investigation and prosecution. By signing the enclosed documents you
certify, represent and agree that: “Under penalty of perjury, all documents and information I have
provided in connection with this Agreement, including the documents and information regarding
my eligibility for the program, are true and correct.”
If you are aware of fraud, waste, abuse, mismanagement or misrepresentations affiliated with the
Troubled Asset Relief Program, please contact the SIGTARP Hotline by calling 1-877-SIG-2009 (tollfree), 202-622-4559 (fax), or www.sigtarp.gov. Mail can be sent to Hotline Office of the Special
Inspector General for Troubled Asset Relief Program, 1801 L St. NW, Washington, DC 20220.
Please be aware we will not be able to process your request until all parts of the application
have been completed and all supporting documentation has been supplied.
Borrower Signature
Date
Co-Borrower Signature
Date
Page 12/13
At Rhode Island Housing we
take our responsibility to protect
the privacy and confidentiality of
customer information very
seriously. We are committed to
Rhode Island Housing strives to ensure that all
people who live or work in Rhode Island can afford a
healthy, attractive home that meets their needs.
A good home provides the foundation upon which
individuals and families thrive, children learn and
grow, and communities prosper.
To achieve our mission we:
• Offer fair, affordable and innovative lending
programs.
safeguarding sensitive customer
• Provide housing related education to
consumers and others.
information. By explaining our
• Promote and finance sensible development
that builds healthy, vibrant communities.
Privacy Policy to you, we trust you
will better understand how we
keep our customer information
private and secure while using it to
serve you better.
PRIVACY POLICY
• Provide housing subsidies to Rhode Islanders
with the greatest need.
• Team up with partners to improve everything
we do.
Rhode Island Housing uses all of its resources to
provide low-interest loans, grants, education and
assistance to help Rhode Islanders find, rent, buy,
build and keep a good home. Created by the General
Assembly in 1973, Rhode Island Housing is a privately
funded public purpose corporation.
44 Washington Street, Providence, RI 02903-1721
Phone: 401-457-1234 • www.rhodeislandhousing.org
www.rhodeislandhousing.org
Your privacy
is our top priority
We will not share nonpublic personal information
about you with unaffiliated third parties without
your consent, except as explained in our Privacy
Policy. We may communicate to you special offers
for products or services of third parties, which we
believe may be of interest to you. However, we
will not provide third parties with any nonpublic
personal information about you without your
consent.
We maintain physical, electronic and procedural
safeguards that comply with state and federal
standards to store and secure information about
you from unauthorized access, alteration and
destruction. Our control policies authorize access
to customer information only by individuals who
need access to do their work.
We provide our Privacy Policy to customers when
they make application for financial services. We
also provide our Privacy Policy when a customer
establishes a new relationship with us and annually thereafter. Our Privacy Policy may be revised
to reflect changes in the law or changes in our
policies. Our Privacy Policy applies to existing and
former customers of Rhode Island Housing.
How we collect information
Collecting and storing customer information
makes it possible for us to serve you and offer
products and services which may be of interest to
you. We receive information about you from the
following sources:
• Applications, forms and other information
that you provide to us, in writing, in person,
by telephone, electronically or by any other
means. This information may include your
name, address, employment information,
income and credit references.
• Consumer credit reporting agencies. This
information may include your account
balances, payment and account history.
• Your transactions and account experiences
with us and others. This information may
include your account balances, payment
history and account usage.
• Public sources. This information may include
real estate and or city/town records.
Guidelines for sharing information
Rhode Island Housing may disclose nonpublic
personal information about you, as described
above, to financial service providers to help us
process your application or to service your accounts. The service providers may include coupon
or statement printers, billing services, payment
processing companies, mail and telephone
service companies, insurers, property inspection
companies, attorneys or other service providers.
We also are required to disclose nonpublic
personal information about you to nonaffiliated
third parties as required by law. For example, we
may share information, without your consent, to
respond to a subpoena or court order, judicial
process or regulatory authorities, report account
activity to credit bureaus or provide information
to protect against fraud.
We may disclose nonpublic personal information
about you, as described above, to organizations
that perform marketing services on our behalf or
to other financial institutions with which we have
marketing agreements. We will require that these
program partners agree to maintain the shared
information as confidential to be used solely for
solicitation of products or services covered by
the marketing agreement, such as mortgage life
insurance or other similar offers.
You may instruct us not to disclose nonpublic
personal information about you with our program
partners. Simply call, toll free 1-800-854-1180 or
401-457-1180.
Please note, if you have a joint account, a request
by one party will apply to the entire account.
Fax
To:
Help Center
Fax: 401-450-1370
From:
Pages:
Date:
Re: Help Center Financial Information
Package Comments: