INTAKE FORM

The current fee for Reverse Mortgage Counseling can be found at vccdc.org/resources at “Fee Schedule” or call 805-273-7800. Counseling fee is due at the time of your session via debit/credit card on the day of your session. If paying by check, please make it payable to VCCDC and mail it to 2231 Sturgis Road, Suite A, Oxnard, CA 93030 in advance to ensure it arrives before your session.

8.) I acknowledge receiving the following documents prior to or at the time of my session (click on links to view documents or visit www.vccdc.org/resources and click on "HUD Documents"):
VCCDC Privacy Policy (section 7 of this intake form), VCCDC Program Disclosure (section 8 of this intake form), 10 Questions to Ask a Home Inspector, For Your Protection Get a Home Inspection, CA Fair Housing Brochure, CRLA Fair Housing, CRLA LGBT Fair Housing, Lead Based Paint Fact Sheet, Community Resource Guide, List of Alternative Service Providers, & VCCDC’s Fee Schedule.

Reverse Mortgage Counseling - I acknowledge receiving and reviewing the Reverse Mortgage Information Packet as required by HUD prior to my appointment. Click here to access the Reverse Mortgage Counseling reading material.

Reverse Mortgage Counseling - If funding is not available to offer Reverse Mortgage Counseling free of charge, I agree to pay the current fee to VCCDC for the Reverse Mortgage Counseling session which can be found at vccdc.org/resources at “Fee Schedule” or call 805-273-7800. Counseling fee is due at the time of your session via debit/credit card on the day of your session. If paying by check, please make it payable to VCCDC and mail it to 2231 Sturgis Road, Suite A, Oxnard, CA 93030 in advance to ensure it arrives before your session.

1.) If applicable to my housing/financial counseling need, I authorize VCCDC to pull my credit report which will be a soft credit report that will not have any effect on my credit score. In lieu of a credit pull, I agree to provide VCCDC with a copy of my credit report dated within 30 days of my first session (click here for “Fee Schedule” or visit vccdc.org/resources and click on "Fee Schedule"). NOT APPLICABLE FOR REVERSE MORTGAGE COUNSELING.

2.) I authorize VCCDC to close my counseling file for any of the following reasons: I fail to follow the agreed upon action plan, it is determined that further housing counseling will not resolve my housing need, I cannot be contacted, or do not show up to appointments.

3.) I understand that VCCDC receives various funds to be able to provide the service I am going to receive at low or no cost. This includes Federal funds from HUD/RCAC, State funds through CalHFA/BALANCE, and funding from other entities, and as such, is required to submit client-level information to the funding entity including CalHFA/BALANCE/HUD/RCAC and/or other funders and their agents for purposes of program monitoring, compliance and evaluation. I give permission for CalHFA/BALANCE/HUD/RCAC and other VCCDC funders  and/or their agents to follow-up with me for the purposes of program evaluation.

About Us and Program Purpose: Ventura County Community Development Corporation (VCCDC) is a nonprofit, HUD approved housing counseling agency. We provide educational workshops and housing counseling including:

Pre-purchase Education & Counseling: Provides potential homebuyers with advice regarding readiness and preparation for homeownership. Topics covered include: advantages and disadvantages of buying; money management; budgeting and credit; fair housing and fair lending; loan product comparison; purchase procedures and closing costs; selecting a real estate agent; home inspection; home insurance; down payment assistance; and referrals to community services and regulatory agencies. For individual counseling, counselors provide a review of the client’s income, credit, household budget and home affordability resulting in a custom action plan to help the client achieve their housing goal.

Non-Delinquency Post-purchase Education & Counseling: Provides homeowners with advice on various homeownership topics including budgeting; home maintenance tips; taxes and insurance; refinance options; home equity; home improvement; utility costs; energy efficiency improvements; property taxes; working with a contractor; estate planning; avoiding foreclosure and rights and responsibilities of homeowners.

Reverse Mortgage/HECM Counseling: Provides required HUD counseling for senior homeowners who are 62 years old and are interested in possibly obtaining a HECM/reverse mortgage. The objective of HECM counseling is to education clients on: how HECMs and reverse mortgages work; the implications of and alternatives to a HECM or other reverse mortgage; and the appropriateness of a HECM or other reverse mortgage for the clients being counseled considering their unique personal and financial situation.

VCCDC also offers mortgage lending services. 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 sign & date the form on the following page.

Client and Homeownership Specialist Roles & Responsibilities:

Homeownership Specialist Roles and Responsibilities
• Review your housing goal and your finances; which include your income, debts, assets, and credit history.
• Prepare a Client Action Plan that lists the steps that you and your Homeownership Specialist will take in order to achieve your housing goal.
• Prepare a household budget that will help you manage your debt, expenses, and savings.
• Your Homeownership Specialist is not responsible for achieving your housing goal, but will provide guidance and education in support of your goal.
• Neither your Homeownership Specialist nor VCCDC employees, agents, nor directors may provide legal advice. 

Client’s Roles and Responsibilities
• Complete the steps discussed in your Client Action Plan.
• Provide the requested documents and accurate information about your income, debts, expenses, credit, and employment.
• Attend appointments, return calls and provide requested paperwork in a timely manner.
• Notify your Homeownership Specialist when changing housing goal.
• Attend Homebuyer Education Workshop and other educational workshop(s) as recommended.
• Retain an attorney if seeking legal advice and/or representation in matters such as foreclosure or bankruptcy protection. 

Termination of Services: Your success will be determined by your commitment to the goals set during the session. Failure to communicate with your Homeownership Specialist including missing three consecutive appointments will result in VCCDC closing your file. 

Agency Conduct - Conflict of Interest: No VCCDC 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: VCCDC has financial affiliation and/or professional affiliations with: U.S. Department of Housing and Urban Development (HUD), BALANCE, Bank of America, Bank of the Sierra, Bank of the West, California Bank & Trust, CalFHA, CDFI Fund, CIT Bank, Citibank, City of Bakersfield, City of Oxnard, City of Simi Valley, City of Thousand Oaks, City National Bank, Comerica Bank, County of Ventura, Housing Authority of the City of Oxnard, Housing Authority of the City of San Buenaventura, Housing Authority of the County of Ventura, Housing Authority of the County of Santa Barbara, Housing Trust Fund of Santa Barbara County, JP Morgan Chase, Limoneira Foundation Fund, Local Initiatives Support Corporation, Mechanics Bank, National Association for Latino Community Asset Builders, National Housing Resource Center, NeighborWorks America, Premier America Credit Union, Pacific Western Bank, Rabobank, Rural Community Assistance Corporation, S. Mark Taper Foundation, Silicon Valley Bank, So Cal Gas Co, State of California, UnidosUS, Union Bank, U.S. Bank, Ventura County Credit Union, Wells Fargo. As a housing counseling program participant, you are not obligated to use the products and services of VCCDC or our industry partners.

Alternative Services, Programs, and Products & Client Freedom of Choice: You are not obligated to participate in VCCDC’s other programs and services while you are receiving housing counseling from our agency. Receiving housing counseling services is not contingent on the use of any service or product. You may consider seeking alternative products and services from entities including the Federal Housing Administration (FHA) for first-time homebuyer loan programs, and Centro Familia Esperanza and Money Management International, Los Angeles (contact information available at www.hud.gov) for other first-time homebuyer programs (please note VCCDC is not affiliated with the aforementioned organizations). 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 like those offered by VCCDC and its exclusive partners and affiliates.

Errors and Omissions and Disclaimer of Liability: I/we agree VCCDC, 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 VCCDC housing counseling; and I hereby release and waive all claims of action against VCCDC 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, VCCDC, 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 VCCDC grantors such as HUD.

Click here to view our current credit report fee

Please note: The credit report VCCDC pulls through Credco is a tri-merge soft pull report meaning you will get your FICO scores and summary of all accounts for all the three credit bureaus (Equifax, TransUnion and Experian) and it will NOT affect you credit score since it is being pulled for informational purposes only.

The credit report from www.annualcreditreport.com does not contain your scores and has a limited view of your accounts and will therefore limit the credit analysis we can provide.