DISCLOSURE STATEMENT
& PROGRAM DISCLOSURE FORM

Oasis of Hope Community Development Corp. (Oasis of Hope CDC) is a non-profit, HUD-approved housing counseling agency. We serve all clients regardless of income, race, color, religion, 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, ETSeq).

Agency Relationships: Oasis of Hope CDC has financial affiliations (if funded by HUD) or professional affiliations (if funded by HUD) with HUD, Neighbor Works America, USDA Rural Development, the State of Illinois, Smith County, and Banks including Bank of America, Wells Fargo, JP Morgan Chase, BB&T now Trust, Total Bank, Valley National Bank, and Florida Counseling Programs. As a housing counseling program participant, you are not obligated to use the products and services of Oasis of Hope CDC or our industry partners.

Oasis of Hope CDC offers three different group workshops and one homeownership education class that you can complete at your own pace. We also offer four different types of counseling programs.

Pre-Purchase Homebuyer Education Workshop & Inspection Materials /$00.00 per person:
Group homebuyer education class to help clients achieve the goal of homeownership.

Pre-Purchase Homeownership Counseling & Inspection Materials /$149.00 per person or couple:
Preparing for Home Purchase

Financial Budgeting and Credit Workshop & Inspection Materials /$00.00 per person:
Group Budgeting & Improving Credit

Financial Management/Budget Counseling & Inspection Materials /$00.00 per person:
One-On-One Budgeting & Improving Credit

Mortgage Delinquency & Default Resolution Counseling & Inspection Materials /$00.00 per person:
Mortgage Assistance

E-Home America Homebuyer Education Online Class & Inspection Materials /$99.00
Online class. Clients can access this link and complete the required 8-hour course online.

Rental Housing Counseling & Inspection Materials/$00.00 per person:
Housing counseling and rental assistance. This service is designed to match client housing needs with other locally available housing projects and programs.

Rental Housing Workshop/$00.00 per person:

(Rental Assistance and Preventive Rental Eviction Financial Literacy)
Group classes are monthly classes for renters that are facing eviction from the loss or a reduction of household family income and cannot meet the needs of paying their rent.

*** Language / Sign Language Interpreters are available upon 72 hours of the written request. Request forms can be obtained from a housing counselor.

Program Disclosure Form

Please fill out the following form
in order to participate in our our services.

I/We understand that it is my/our right and responsibility to decide whether to engage in any course of housing counseling with Oasis of Hope CDC and determine whether counseling is suitable for my/our housing problem.

I/We understand that we are not obligated to receive, purchase or utilize any other services offered by Oasis of Hope CDC, or its exclusive partners, in order to receive housing counseling.

I/We understand that Oasis of Hope CDC has the discretion to charge reasonable fees for some counseling services, and that these fees will be explained to me prior to any counseling. I further understand that fees will not be charged if they create a financial hardship and that I will not be denied counseling if I cannot pay the fees.

I/We understand that Oasis of Hope CDC provides information on a broad range of housing programs and products and that the housing counseling I receive from Oasis of Hope CDC in no way obligates me to choose any particular loan product or housing program discussed in my counseling sessions.

I/We understand that Oasis of Hope CDC does not guarantee that I/We will receive mortgage financing from any lender and/or other mortgage financing entity.

I/We may be referred to other housing services of the organization or to another agency or agencies as appropriate that may be able to assist with particular concerns that have been identified. I understand that I am not obligated to use any of the services offered to me.

I/We understand that a counselor may answer questions and provide information but cannot give legal advice. If I want legal advice, I will be referred for appropriate assistance.

I/We acknowledge that I/we received, reviewed, understand and agree to Oasis of Hope CDC Counseling Services Disclosure Statement.

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DISCLOSURE STATEMENT
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