Homeownership Information - Habitat for Humanity of Omaha · E. Landlord Reference Letter and other Credit Reference letters. Must be completed and returned to Habitat. F. Habitat

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Homeownership Information

Habitat for Humanity of Omaha helps make homeownership attainable and affordable for homebuyers who may not currently qualify for a conventional mortgage. Through the Homeownership Program, partner families are empowered to become successful homeowners by gaining hands-on construction experience and by attending homeownership workshops. Completion of the program can take 12-18months. You will then purchase your house through an affordable 20-30 year mortgage loan.

Habitat for Humanity has three criteria for selection: 1. Housing Need. Current housing is inadequate, substandard, or unaffordable 2. Ability to Pay. Applicant(s) must have a reliable, steady and verifiable source of income. Credit history shows ability to repay the loan. Applicant(s) income is between 30% to 60% of the HUD area median income***. U.S. Citizenship or permanent resident status is valid.

3. Willingness to Partner. Families will partner with Habitat Omaha in several important ways. Sweat Equity – 350 hours (for 2 applicants) and 250 hours (for 1 applicant), which is

about 15-20 hours per month. Sweat Equity hours can be earned by working on construction job sites, working at Habitat Restores or working in our office.

Applicant(s) must complete a series of educational workshops. Applicant(s) must provide all necessary documents during the application process. Applicant(s) must be willing to purchase a Habitat Omaha house and make regular

monthly mortgage payments for a 20-30 year mortgage. ***Income Guidelines: Numbers are from HUD Income Limits, 2017, Omaha Metropolitan Area The household’s gross monthly income (before taxes and deductions) should fall in the following range: * for household size greater than 7, please contact our office.

# people in family 1 2 3 4 5 6 7 MONTHLY Gross Income: Minimum (30% median) $1,313 $1,500 $1,688 $1,875 $2,025 $2,175 $2,325 Maximum (60% median) $2,625 $3,000 $3,375 $3,750 $4,050 $4,350 $4,650 100% Median $4,375 $5,000 $5,625 $6,250 $6,750 $7,250 $7,750

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an

affirmation advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, creed or age.

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Our next application session will be July 1, 2017 through August 2, 2017. Follow these steps to start the application process: A. Collect all required documents listed on page 3 of this Homeowner information sheet. B. Obtain and complete our program application, which can be obtained by: Printing the application off from our website at Habitatomaha.org Coming into our Habitat office at 1701 N 24 St, Omaha NE. Visiting one of our Habitat Restores at 1003 S 24 St or 10910 Emmet St.

C. Schedule an appointment for a free Budgeting and Credit session with Credit Advisors Foundation by calling Todd Sites at 402-514-3341. D. Schedule one of the below listed orientation meetings by either: Coming into our Habitat office at 1701 N 24 St, Omaha NE. Calling our office at 402-457-5657

E. Bring all applicable documents listed on page 3 as well as the entire application packet to your scheduled orientation meeting. An Orientation meeting is an opportunity to learn the details of our program and to learn what it will take to complete the entire 12-18 month process. You will also get a chance to meet some of the Habitat staff that will be there to help on your journey to becoming a homeowner. An Orientation meeting must be attended by anyone wishing to apply for our Homeownership Program. Orientation Meeting times:

Saturday July 15, 2017 9:00 AM to 11:00 AM Saturday July 15, 2017 1:00 PM to 3:00 PM

Wednesday July 19, 2017 5:30 PM to 7:30 PM Saturday July 22, 2017 9:00 AM to 11:00 AM

Wednesday July 26, 2017 9:00 AM to 11:00 AM Wednesday August 2, 2017 9:00 AM to 11:00 AM

We will stop accepting completed application packets on August 2, 2017. Please check back periodically for information on our next application sessions.

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Required information for household members 18 and over that will be living in with you in your habitat home.

Income: Check all that apply

5 consecutive pay stubs – most recent SSI - Current Year Benefit Statement

If self-employed- 2 years tax returns with all schedules & Year to date Financial Statements Social Security - Current Year Benefit Statement

Retirement- statement from provider TANF

Pension- statement from provider Disability– letters, and proof of receipt of money

Child support - print out from the State Public assistance

Alimony - court ordered documentation Other

Required Documents for Applicant and Co-Applicant Government Identification:

State Issued Photo ID Birth certificate

Passport (counts for photo ID and birth certificate) Social Security Cards for all household members

Naturalization Papers (if applicable) Green Card (if applicable)

Income: Check all that apply

5 consecutive pay stubs—most recent SSI – Current Year Benefit Statement

2 years of tax returns and W2s Social Security – Current Year Benefit Statement

Retirement –statement from provider TANF

Pension –statement from provider Disability – letters, and proof of receipt of money

Child support – print out from the State Public assistance

Alimony - court ordered documentation Bank Statements for all checking and savings account---need the last 2 months

Year to Date Financial Statements (if self-employed) Other

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an

affirmation advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, creed or age.

Homeownership Program Application Packet Instructions Congratulations on taking your first steps to potential homeownership. Attached you will find additional documents that must be fully completed and returned to a Habitat for Humanity of Omaha Family Services member. Once you have read through these, you will need to schedule your Orientation Meeting. To do this you can call us at 402.457.5657 and ask for one of our Program Associates or stop in at our office at 1701 N 24 St. The below documents are included with this application packet and must be completed and returned:

A. Willingness to Partner Agreement. If you have any questions on this form, you can wait until the Orientation Meeting to complete this form.

B. Information for Government Monitoring Purposes. To be completed at the Orientation Meeting.

C. Privacy Statement and Notice. There is nothing to complete on this form, it is for information and awareness.

D. Equal Credit Opportunity Act Notice. This must be read and signed by all applicants. E. Landlord Reference Letter and other Credit Reference letters. Must be completed and

returned to Habitat. F. Habitat for Humanity of Omaha, Homeownership Program Application. Will be reviewed

at the Orientation Meeting, but will only be accepted once we have all required documents. Other required documents you must bring copies of to the Orientation Meeting:

o Proof of citizenship or permanent residency for all applicants: Birth certificate, passport, green cards.

o Government issued Photo ID’s of all applicants and household members 18 and older. o Social Security cards for all household members. o Proof of income for all applicants and anyone 18 years and older: Paystubs, SSI or SI statements,

child support, pension/retirement, or proof of any other income. o Last two years of Federal Tax returns with all W2’s. If self-employed, all applicable schedules. o Last two months of your monthly bank statements for all savings and checking accounts. All

numbered pages. Please note, that upon review of the above required application documents, we may need additions items.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity

throughout the nation. We encourage and support an affirmation advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial

status, national origin, creed or age.

Form A

Willingness to Partner Agreement

Please read each item below. To be considered for our program, you must agree to and be willing to follow the guidelines and criteria of our program.

1. Habitat for Humanity builds simple, affordable houses. If you are selected for the program, you should expect to view lots and select homes primarily in Northeast Omaha.

2. Habitat for Humanity cannot guarantee you will get a basement or a garage.

3. The house size for which you qualify for is based on household size and affordability.

4. In order to purchase your home, all required 250-350 sweat equity hours and 8 required workshops

must be completed before the closing process can begin.

5. Non-English speakers are required to have interpreters with them at job sites. Habitat will work hard to provide interpreters for all required workshops.

6. If Habitat for Humanity discovers any dishonest or inaccurate information on the application, such as

and not limited to; misstated income, incorrect family size or failure to list a spouse, the participant can be immediately removed from the program.

7. Completion of this application and any conversation about or in reference to the application process

does not constitute a contract with Habitat Omaha for continuation of services.

8. Habitat Omaha will maintain your application and supporting documents for a minimum of 25 months, even if your application is denied, as per requirements of the Federal Credit Reporting Act (FCRA).

By signing this form, you are acknowledging that you understand the terms and conditions for Habitat for Humanity of Omaha’s Homeownership Program. Habitat will accept your application along with all requested documents. ___________________________________________ _______________________________________________ Applicant Name Date Co- Applicant Name Date ___________________________________________ ________________________________________________ Applicant Printed Name Co-Applicant Printed Name

Form B Information for Government Monitoring Purposes

PLEASE READ THIS STATEMENT BEFORE COMPLETING THE BOX BELOW: We are requesting the following information to monitor our compliance with the federal Equal Credit Opportunity Act, which prohibits unlawful discrimination. You are not required to provide this information. We will not take this information (or your decision not to provide this information) into account in connection with your application or credit transaction. The law provides that a creditor may not discriminate based on this information, or based on whether or not you choose to provide it. If you choose not to provide the information, we may note it by visual observation or surname. Applicant Co-Applicant I do not wish to furnish this information. I do not wish to furnish this information. Ethnicity Ethnicity Hispanic or Latino Hispanic or Latino

Not Hispanic or Latino Not Hispanic or Latino

Race (may select more than one) Race (may select more than one) American Indian or Alaskan Native American Indian or Alaskan Native

Asian Asian

Black/African American Black/African American

Native Hawaiian or Other Pacific Islander Native Hawaiian or Other Pacific Islander

White White

Sex Sex Female Male Female Male

Birthdate:______/_______/_______ Birthdate:_______/_______/_______

Marital status: Marital status:

Married Separated Unmarried Married Separated Unmarried

________________________________________ _________________________________________ Signature Date Signature Date ________________________________________ _________________________________________ Print or Type Name Print or Type Name

This application was taken by: ____Face-to-face interview, ____By mail. Interviewer’s Name:____________________________ Date:________________

To be completed by the Habitat staff who conducted the interview

Form C

Privacy Statement and Notice

At Habitat for Humanity of Omaha, we are committed to keeping your information private. We recognize the importance applicants, program families, tenants, and homeowners place on the privacy and confidentiality of their information. While new technologies allow us to more efficiently serve our customers, we are committed to maintaining privacy standards that are synonymous with our established and trusted name. When collecting, storing, and retrieving applicant, program family, tenant, and homeowner data – such as tax returns, pay stubs, credit reports, employment verifications and payment history – internal controls are maintained throughout the process to ensure security and confidentiality.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms; • Information about your transactions with us, our affiliates, or others; and • Information we receive from a consumer-reporting agency.

We may disclose the following kinds of nonpublic personal information about you:

• Information we receive from you on applications or other forms, such as your NAME, DEPENDENTS NAMES, ADDRESS, BIRTHDATE, SOCIAL SECURITY NUMBER AND INCOME.

• Information about your transactions with us, our affiliates, or others such your LOAN BALANCE, PAYMENT HISTORY, MORTGAGE AND ESCROW PAYMENTS.

• Information we receive from a consumer-reporting agency such as your CREDIT WORTHINESS AND CREDIT HISTORY.

Habitat for Humanity of Omaha employees and volunteers are subject to a written policy regarding confidentiality and access to applicant data is restricted to staff and volunteers on an as-needed basis. Information is used for lawful business purposes and is never shared with third parties without your consent, except as permitted by law. As permitted by law, we may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as mortgage servicing agents; • Nonprofit organizations or governments

If you prefer that we do not disclose non-public personal information about you To nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may call Habitat for Humanity Omaha, Inc. at 402-457-5657.

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity

throughout the nation. We encourage and support an affirmation advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial

status, national origin, creed or age.

Form D

Equal Credit Opportunity Act Notice

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protections Act. The federal agency that monitors compliance with this law concerning this company is the Federal Trade Commission, with offices at the FTC Regional Office for the Midwest Region, 55 West Monroe St, Suite, 1825, Chicago IL 60603, or Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. You need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. However, because we operate a Special Purpose Credit Program, we may request and require, in order to determine an applicant’s eligibility for the program and the affordable mortgage amount, information regarding the applicant’s marital status; alimony, child support and separate maintenance income; and the spouse’s financial resources. Accordingly, if you receive income from these sources and do not provide this information with your application, your application will be considered incomplete, and we will be unable to invite you to participate in the Habitat program. ___________________________________ ___________________________________ Applicant Signature Applicant Signature ___________________________________ ____________________________________ Applicant Printed Name Applicant Printed name

Date:_______________________________ Date:________________________________

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Form F Habitat for Humanity of Omaha 2017 Homeownership Program Application

1. APPLICANT INFORMATION Applicant Co-Applicant

Applicant’s Full Legal Name ___________________________________________________ (first) (middle) (last) Address ____________________________________________ (Apt #) City, State, Zip _______________________________________ Phone _______________ _____________ _____________ (home) (cell) (work) Social Security Number ________________________________ Birth date _______ _______ _______ Age ________ � Married � Separated � Unmarried (incl. single, divorced, widowed)

Have you ever owned a home? � YES � NO Email (if have):_________________________________

Co-applicant’s Full Legal Name ___________________________________________________ (first) (middle) (last) Relationship to Applicant _______________________________ Address_______________________________________ (if not the same as applicant) Phone _______________ _____________ _____________ (home) (cell) (work) Social Security Number ________________________________ Birth date _______ _______ _______ Age ________ � Married � Separated � Unmarried (incl. single, divorced, widowed)

Have you ever owned a home? � YES � NO Email (if have):_________________________________

Dependents and others who will live with you, do not list yourself or co-applicant.

Name Relationship To applicant

Birthdate Age Name Relationship To applicant

Birthdate Age

1. 5.

2. 6.

3. 7.

4. 8.

Applicant Co-Applicant

Primary Language:________________________

Primary Language:_________________________

Secondary Language:______________________ Secondary Language:_______________________

1. Interpreter Information *If applicable Name:_____________________________ Phone:_____________________________

2. Interpreter Information: * If Applicable Name:__________________________ Phone:__________________________

Dear Applicant: All information you include on this application will be kept confidential in accordance with the Gramm-Leach-Bliley Act.

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3. CURRENT HOUSING

Number of bedrooms: _____ Number of bathrooms: _____ Other rooms in the place you currently live in:

� Kitchen � Living room � Dining room � Laundry facilities � Other __________________________________________

How long have you lived at your current address? _______Years/months � Rent � Own If you have lived at your present address less than 6 months, give the following information about your previous address: Previous Address, street, city, state, zip: Previous Address of Co-Applicant (if not the same as applicant) How many years did you live there?____________ Own Rent How many years did you live there?____________ Own Rent Describe why you need a Habitat house: __________________________________________________________________________ ___________________________________________________________________________________________________________

4. EMPLOYMENT INFORMATION Applicant – Job # 1 Co-Applicant – Job # 1

Name and address of Current employer Employer Phone Number:_______________ Position:_____________________

Start Date: _____________ Hourly Wage_________ Hours per week_______

Name and address of Current employer Employer Phone number:________________

Start Date: _______________ Hourly Wage__________ Hours per week ______

Applicant – Second job, if you have 2 jobs right now Co-Applicant – Second job, if you have 2 jobs right now Name and address of current employer Employer Phone Number:

Start Date: ____________ � Full time � Part time Hours per week ____

Name and address of current employer Employer Phone Number:

Start Date: ____________ � Full time � Part time Hours per week ____

If working at current job less than two years, complete the following information about PREVIOUS job(s):

Self Employed Applicants: Must provide the last 2 years of Federal Tax Returns with all necessary Schedules and must provide a Year To Date Financial Statement.

2. WILLINGNESS TO PARTNER

To be considered for a Habitat home, you and your family must be willing to complete a certain number of “sweat equity” hours. Your help in building your home and the homes of others is called “sweat equity” and may include working at a Habitat Restore, painting, helping with construction, mowing and other approved activities. In addition, you will be required to complete educational workshops.

I AM WILLING TO COMPLETE THE REQUIRED SWEAT EQUITY HOURS: Applicant � YES � NO Co-applicant � YES � NO

Previous Employer Name: Previous Employer Address:

Start Date(month, year): ____________ End Date (month, year): ____________

Previous Employer Name: Previous Employer Address

Start Date(month, year): ____________ End Date (month, year): ____________

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5. MONTHLY HOUSEHOLD INCOME ***** Please list monthly GROSS income (before taxes) for each household member 18 years and older.

Source: Applicant Co-Applicant Others in Household

Others in Household

Wages – Job 1 Please circle: Weekly – Every 2 weeks – Twice a month – Monthly

$ $ $ $

Wages – Job 2 Please circle: Weekly – Every 2 weeks – Twice a month -Monthly

$ $ $ $

Social Security

$

$

$

$

Pension $

$

$

$

SSI

$

$

$

$

Disability

$

$

$

$

Child Support $ $ $ $

Alimony $ $ $ $

AFDC/TANF $ $ $ $

Other:_____________ $ $ $ $

Total for each person

$ $ $ $

Complete for all non- applicant household members 18 years of age and older who will be living in the house

For those providing the household income listed above in “Others in Household”

Name Employer Full or Part time Hours per week

For those who are in school or unemployed and not providing to household income.

Name Unemployed High school, college, other.

Full time or part time

Expected Graduation Date

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6. ASSETS

Checking or Savings Account

Name of Bank or Credit Union Applicant Co-Applicant Balance

1. $

2. $

3. $

4. $

5. $

6. $

401K or 403B Name of Employer this is with Applicant Co-Applicant Balance 1. $

2. $

3. $

Pension Plan Name of Employer this is with Applicant Co- Applicant 1. $

2. $

7. DEBTS To whom do you and the co-applicant owe money?

Type of Debt Name of Lender Applicant Co-Applicant

Monthly Payment Unpaid balance

Auto Loan $ $ Auto Loan $ $ Furniture $ $ Student Loans $ $ Unsecured Loans $ $ Child Support $ $ Alimony $ $ Medical $ $ IOM Loans $ $ Credit Card $ $ Credit Card $ $ Credit Card $ $ Other $ $ Other $ $

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8. MONTHLY HOUSEHOLD EXPENSES Regular Monthly Bills Monthly Amount Rent $ Do you receive housing or rental assistance?

OPPD (electric) $ YES or NO

MUD (gas, water) $ If YES, how much do you receive per month?

Trash/Garbage pick up $ $________________

Phone $

Cable/Internet $ Circle the program you receive money from:

Health Insurance $ OHA Section 8 Douglas County Other

Car Insurance $

Child Support or Alimony $ How long have you received this:___________________

Child Care $

Other $

9. SOURCE OF DOWN PAYMENT AND CLOSING COSTS

As part of our program, you are required to make a $500 down payment. Where will you get the money to pay the down payment or pay for any potential closing cost? If you borrow the money, whom will you borrow from, and how will you pay it back? ______________________________________________________________________________________________________ _______________________________________________________________________________________________________

Applicant Co-Applicant a. Do you have outstanding judgments because of court decisions against you? � Yes � No � Yes � No b. Have you had a bankruptcy discharged in the last 2 years? � Yes � No � Yes � No c. Have you had property foreclosed on or deed in lieu of foreclosure in the last 2 years? � Yes � No � Yes � No d. Are you currently involved in a lawsuit? � Yes � No � Yes � No e. Are you currently delinquent or in default on any loan or credit? � Yes � No � Yes � No f. Are you paying child support, alimony or separate maintenance? � Yes � No � Yes � No g. Are you a co-signer on any loan? � Yes � No � Yes � No h. Are you a U.S citizen? � Yes � No � Yes � No i. Are you a permanent resident? � Yes � No � Yes � No If you answered YES to any question from A to G, please explain here:

10. DECLARATIONS Please check the box that best answers the following questions for you and the co-applicant.

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11. AUTHORIZATION AND RELEASE

I understand that by filing this application, I am authorizing Habitat for Humanity of Omaha to evaluate my actual need for the Habitat homeownership program, my ability to repay an affordable loan and other expenses of homeownership, and my willingness to be a partner through sweat equity. I understand that the evaluation will include personal visits, credit checks, and employment verification. I give my permission for the release of this information from credit reporting agencies, Debt Collection Agencies (e.g: MCA, GSB, CFC, etc.) and any other pertinent company or organization to Habitat for Humanity of Omaha. I have answered all the questions on this application truthfully. I understand that if I have not answered the questions truthfully, my application may be denied, and that even if I have already been selected to receive a Habitat home, I may be disqualified from the program. The original or a copy of this application will be retained by Habitat for Humanity even if the application is not approved. I also understand that Habitat for Humanity of Omaha screens all applicants on the sex offender registry and completes a criminal background check. By completing this application, I am authorizing the criminal background check and sex offender registry check. *Additional forms may needed completed for this check for any household member 19 years of age and older. ____________________________________ ______________ ____________________________________ _____________ Applicant Signature Date Co-Applicant Signature Date _________________________________ _________________________________ Applicant Printed Name Co-Applicant Printed Name If Applicant is married and the Co-applicant is not the spouse of the Applicant, we request, but do not require, authorization and release from husband/wife if they reside in the Household. ____________________________________ ______________ ____________________________________ ______________ Non-applicant Spouse Signature Date Non-applicant Spouse Signature Date __________________________________ __________________________________ Non-applicant Spouse Printed name Non-applicant Spouse Printed Name

12. RIGHT TO RECEIVE COPY OF APPRAISAL

This is to notify you that we may order an appraisal in connection with your loan and we may charge you for this appraisal. Upon completion of the appraisal, we will provide you a copy. Applicants agree to receive a copy at closing. Applicant’s signature______________________________ Co-applicant’s signature___________________________

--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

PLEASE NOTE: If more space is needed to complete any part of this application, please use the space below, with clear explanation.

In connection with the Habitat Homeownership Program, I understand that Habitat for Humanity of Omaha screens all applicants and residents of the household on the sex offender registry and completes a criminal background check. By completing this form, I am authorizing the criminal background check and sex offender registry check. This form needs to be completed for any household member(s) *19 years of age and older. I understand that failure to consent to the review could result in the dismissal of the homeowner’s application from the Habitat program. I certify that statements made by me on this form are true, complete, and correct to the best of my knowledge and belief, and are made in good faith. I understand that any false statements made herein could void the homeowner’s application to the Habitat program. I hereby release and discharge, to the extent permitted by law, Habitat for Humanity of Omaha, its employees, and any individual or agency obtaining information on Habitat’s behalf, for any and all claims known or unknown, damages, losses, liabilities, cost, or other expenses arising from the retrieving, reporting, and disclosure of information in connection with this background investigation. The original or a copy of this form will be retained by Habitat for Humanity. X____________________________________ ______________ _________________________________________ *Household Member Signature Date Household Member Printed Name Date SSN:__________________ Date of Birth:________________ Driver’s License:__________________________ X____________________________________ ______________ __________________________________________ *Household Member Signature Date Household Member Printed Name Date SSN:__________________ Date of Birth:________________ Driver’s License:___________________________ X____________________________________ ______________ __________________________________________ *Household Member Signature Date Household Member Printed Name Date SSN:__________________ Date of Birth:________________ Driver’s License:__________________________ X____________________________________ ______________ __________________________________________ *Household Member Signature Date Household Member Printed Name Date SSN:__________________ Date of Birth:________________ Driver’s License:__________________________ X____________________________________ ______________ __________________________________________ *Household Member Signature Date Household Member Printed Name Date SSN:__________________ Date of Birth:________________ Driver’s License:__________________________

12. AUTHORIZATION AND RELEASE

1704 N 24 Street | Omaha, Nebraska 68110 | Telephone 402.457.5657 | Fax 402.457.4012 | www.habitatomaha.org

Form E

Landlord and Credit Reference Letters

Applicant(s), attached are reference letters that you will need to have completed and returned to Habitat. These letters will help Habitat in evaluating your credit and payment history. If you do not have any these accounts or references, please contact one of our staff members. To complete these letters Applicants must complete the top section only. Include your printed name, your signature, your

current address and the date. Take letters to the appropriate company to have them complete the bottom section. Only the

companies can complete that portion. Bring the completed forms to Habitat along with your application packet.

In the top right hand corner of attached pages, there is description of the letter type.

Landlord Reference Letter: Complete your information and provide this to your landlord to complete the bottom portion. If you live with a relative or friend, have them complete the bottom portion. Credit Reference letters: There are 5 letters available. We will need at least 3 of them completed and returned to Habitat with you application packet. Please complete your information and provide the letters to the appropriate companies to complete the bottom portion. Automobile Reference letters: Please complete these only if they are applicable. If they are, you will need to complete your information and provide to the appropriate companies to complete the bottom portion. Once you have received all completed letters back, please bring these along with the other required documents and your application packet to Habitat. If you have any questions, you can contact us at 402.457.5657 or stop by the office at 1701 N 24 St. Thank you, Family Services Department Habitat for Humanity of Omaha


Landlord Reference

Request for Landlord Reference

Authorization to Release Information: This section to be completed by the applicant only. I authorize the release of the following information to Habitat for Humanity of Omaha for the use in determining eligibility for the Habitat homeownership program. _______________________________________ ________________________________ Signature of Applicant (tenant) Current Address ___________________________________ ________________ Printed Name of Applicant (tenant) Date Reference to be completed only by the Landlord: To the Landlord: This family has applied for homeownership through Habitat for Humanity of Omaha and has provided the authorization for the release of the following information. All information will be kept confidential in conjunction with the Gramm-Leach-Bliley Act. Your prompt completion of the requested information will be appreciated. Names on the current Lease Agreement: ________________________________________ Amount of monthly rent: $________________ During the last 12 months, how many times have payments been late: #___________ Is there a past due balance at this time: � No � Yes (If yes how much) $___________ How long has the applicant rented from you: Move in Date (M/Y): ______________ When does the current lease expire: (M/D/Y): ________________ Additional comments: ___________________________________ _________________ Landlord Signature Date ___________________________________ __________________ Landlord Name- Please Print Phone ___________________________________ __________________ Landlord Address Fax


Credit Reference MUD or other Gas Service Provider MUD- 1723 Harney St, Omaha NE

To Whom It May Concern: I have applied for a home loan through Habitat for Humanity of Omaha and need a payment history report on the account that I have with you. I am authorizing you to release the below information to Habitat for Humanity of Omaha. Thank you for your assistance. __________________________ ______________________________ Signature of Applicant (customer) Address of applicant (customer) _____________________________ _______________ Printed Name of Applicant Date _________________________________________________ Name of company providing Gas/Water service: _________________________ Length of time as a customer: _________________________ Number of late payments in the last 12 months: _________________________ Disconnect notices in the past 12 months: _________________________ Past due balance, if any: _________________________ ________________________________________ _______________________ Representative signature Date ________________________________________ Contact phone number of representative


Credit Reference OPPD or other Electricity Provider OPPD – 444 S. 16th Street Mall, Omaha

To Whom It May Concern: I have applied for a home loan through Habitat for Humanity of Omaha and need a payment history report on the account that I have with you. I am authorizing you to release the below information to Habitat for Humanity of Omaha. Thank you for your assistance. __________________________ ______________________________ Signature of Applicant (customer) Address of applicant (customer) _____________________________ _______________ Printed Name of Applicant Date _____________________________________________________________ Name of company providing Electricity service: _________________________ Length of time as a customer: _________________________ Number of late payments in the last 12 months: _________________________ Disconnect notices in the past 12 months: _________________________ Past due balance, if any: _________________________ ________________________________________ _______________________ Representative signature Date ________________________________________ Contact phone number of representative


Credit Reference Cell Phone Provider

To Whom It May Concern: I have applied for a home loan through Habitat for Humanity of Omaha and need a payment history report on the account that I have with you. I am authorizing you to release the below information to Habitat for Humanity of Omaha. Thank you for your assistance. __________________________ ______________________________ Signature of Applicant (customer) Address of applicant (customer) _____________________________ _______________ Printed Name of Applicant Date _____________________________________________________________ Name of company providing phone service: _________________________ Length of time as a customer: _________________________ Number of late payments in the last 12 months: _________________________ Disconnect notices in the past 12 months: _________________________ Past due balance, if any: _________________________ ________________________________________ _______________________ Representative signature Date ________________________________________ Contact phone number of representative


Credit Reference Internet – Cable Service Provider

To Whom It May Concern: I have applied for a home loan through Habitat for Humanity of Omaha and need a payment history report on the account that I have with you. I am authorizing you to release the below information to Habitat for Humanity of Omaha. Thank you for your assistance. __________________________ ______________________________ Signature of Applicant (customer) Address of applicant (customer) _____________________________ _______________ Printed Name of Applicant Date _____________________________________________________________ Name of company providing internet/cable service: _________________________ Length of time as a customer: _________________________ Number of late payments in the last 12 months: _________________________ Disconnect notices in the past 12 months: _________________________ Past due balance, if any: _________________________ ________________________________________ _______________________ Representative signature Date ________________________________________ Contact phone number of representative


Credit Reference Other Reference

To Whom It May Concern: I have applied for a home loan through Habitat for Humanity of Omaha and need a payment history report on the account that I have with you. I am authorizing you to release the below information to Habitat for Humanity of Omaha. Thank you for your assistance. __________________________ ______________________________ Signature of Applicant (customer) Address of applicant (customer) _____________________________ _______________ Printed Name of Applicant Date _____________________________________________________________ Name of company providing credit reference: _________________________ Length of time as a customer: _________________________ Number of late payments in the last 12 months: _________________________ Disconnect notices in the past 12 months: _________________________ Past due balance, if any: _________________________ ________________________________________ _______________________ Representative signature Date ________________________________________ Contact phone number of representative


Automobile Insurance Provider

To Whom It May Concern: I have applied for a home loan through Habitat for Humanity of Omaha and need a payment history report on the account that I have with you. I am authorizing you to release the below information to Habitat for Humanity of Omaha. Thank you for your assistance. __________________________ ______________________________ Signature of Applicant (customer) Address of applicant (customer) _____________________________ _______________ Printed Name of Applicant Date _____________________________________________________________ Name of company providing Auto insurance: _________________________ Length of time as a customer: _________________________ Number of late payments in the last 12 months: _________________________ Disconnect notices in the past 12 months: _________________________ Past due balance, if any: _________________________ ________________________________________ _______________________ Representative signature Date ________________________________________ Contact phone number of representative


Automobile Loan Credit Reference

To Whom It May Concern: I have applied for a home loan through Habitat for Humanity of Omaha and need a credit history report on my auto loan that I have with you. I am authorizing you to release the below information to Habitat for Humanity of Omaha. _____________________________ _____________________________ Signature of Applicant (customer) Address of applicant (customer) _____________________________ _______________ Printed Name of Applicant Date _____________________________________________________________

Please complete the below information in regards to the automobile loan of the above applicant. Name & Address of Auto Loan Company: ___________________________________ ___________________________________ ___________________________________ Date loan opened__________________ Original loan amount $____________________ Term________ Payment Type (please circle one): Monthly – Weekly – Twice a Month Payment amount $_______________ Current Balance $__________________ During the last 12 months, how many late payments has the customer made: ____________ Is there a past due balance at this time? No____ Yes ____ & how much $_____________ _________________________________ ______________________ _______ Signature of Company Representative Title Date Contact Phone# of Representative_________________________