UNIVERSITY NEIGHBORHOOD HOME IMPROVEMENT LOAN Interest Rates as Low as

UNIVERSITY NEIGHBORHOOD HOME IMPROVEMENT LOAN Interest Rates as Low as 3.99% (APR* 4.571%) FOR ELIGIBLE HOMEOWNERS! Your University Neighborhood Home Improvement Loan is an affordable way to quickly access the money you need to make exterior home renovations and repairs … even if you have built little or no equity in your home. This loan program offers you: • • • • • • • Financing of up to $10,000 (determined on a case by case basis) No Income Requirements Low interest rate and closing costs Low fixed payments No pre-payment penalty Your choice of contractor (must have general liability and worker’s comp insurance) Most exterior home renovations and repairs are eligible *You are eligible for this program if you own and occupy a property in the boundaries of the UNPA Home Buyers Assistance Program Area (See attached map, go to www.unpa.net or call (315) 474-1939 x241 for more details). Eligible participants must also be current on their property taxes and water bills. Apply today by filling out the attached application. The process can start in as little as 24 hours, if you make sure to also include the following documentation: • • • • • • Recorded deed to your home Current homeowners insurance stating period covered and amounts of coverage Proof of income for applicant (copies of three current consecutive pay stubs, SSI benefit letter, social security, pension, unemployment, etc.) Last year’s federal tax return (if filed) Driver’s license or other form of picture identification Lead test results for children under seven who reside in the home Home HeadQuarters, Inc. 124 E. Jefferson Street, Syracuse NY 13202 Fax: (315) 474-0637, Phone: (315) 474-1939 Email: info@homehq.org Mail, drop off, email, or fax your application to: Your University Neighborhood Home Improvement Loan will not only make a lasting impact in your neighborhood, it also leverages other community development dollars that guarantee continued funding for revitalization and growth in Syracuse. *Annual Percentage Rate The interest rate for Home HeadQuarters’ FlexFund Home Improvement Loan is 7.99%. With funding provided by The University Preservation Association (UNPA), the 7.99% interest rate is reduced to a 3.99% rate (4.571% APR) for a period up to 7 years. You may also qualify for other Home HeadQuarters’ products and services including the NYSERDA Home Energy Loan and Grant program. 3 . 9 9 % * Homeowner Home Repair Loan Request For Service Please print clearly in ink. Form must be fully completed and signed. BORROWER INFORMATION Borrower Borrower Name (include Jr. or Sr. if applicable) Date of Birth Co-Borrower Borrower Name (include Jr. or Sr. if applicable) Date of Birth Social Security Number Marital Status Married Home Phone ( ) Separated Social Security Number Marital Status Married Home Phone ( ) Separated Unmarried (including Single, Divorced, Widowed) # of people living in household US Citizen Yes No Present Address (Street, City, Zip) # of Years Unmarried (including Single, Divorced, Widowed) # of people living in household US Citizen Yes No Present Address (Street, City, Zip) # of Years If living at present address for less than 2 years, complete the following: Former Address (Street, City, Zip) # of Years If living at present address for less than 2 years, complete the following: Former Address (Street, City, Zip) # of Years Other (Mobile) Phone ( ) Email Address Other (Mobile) Phone ( ) Email Address EMPLOYMENT INFORMATION Borrower Name & Address of Employer Self Employed Yes No # of Years Co-Borrower Name & Address of Employer Self Employed Yes No # of Years Business Phone Position/Title Business Phone ( ) ( ) If employed in current position for less than 2 years or if currently employed in more than one position, complete the following: Name & Address of Employer Self # of Name & Address of Employer Self # of Employed Years Employed Years Yes No Yes No Annual Household Income: Annual Household Income: Position/Title Position/Title Business Phone ( ) Position/Title Business Phone ( ) PROPERTY INFORMATION Address of Property to be renovated (Street, City, Zip) Number of Units Single Two Family Family Three Family *4.571% APR (OVER) PROPERTY INFORMATION (CONT.) Please list EXTERIOR home repairs/renovations requesting Estimated Cost Bids Attached? Yes No Yes Yes Yes No No No SIGNATURE SECTION I certify to the truth of my statements above and authorize the Lender to obtain credit reports in connection with this application and any Loan or Account established hereby, as well as any update, renewal, extension, review or collection thereof. If it does, I will, upon request, be informed of that fact and each credit bureau’s name and address. I also authorize the Lender to verify with others any information contained in this application and to report its transactions with me. All statements made in this application are true and are made for the purpose of requesting home improvement services. I understand that it may be a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provision of the United States Criminal Code. Ownership of the loan may be transferred to successor or assign of the Lender without notice to me, and/or the administration of the loan account may be transferred to an agent, successor, or assign of the Lender with prior notice. Signature of Applicant Date X Signature of Applicant Date X INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following information is requested by the Federal Government, if this loan is related to a dwelling, in order to monitor the lender’s compliance with equal credit opportunity and fair housing laws. You are not required to furnish this information, but are encouraged to do so. The lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it. However, if you choose not to furnish it, under Federal regulations, this lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the above information, please initial below. Applicant I do not wish to furnish this information Black White Co-Applicant I do not wish to furnish this information Black White Race or National Origin American Indian, Alaskan Native Asian, Pacific Islander Hispanic Sex: Male Female Other Race or National Origin American Indian, Alaskan Native Asian, Pacific Islander Hispanic Sex: Male Female Other DON’T FORGET TO ATTACH… • • • • • • Recorded deed to your home Current homeowners insurance stating period covered and amounts of coverage Proof of income for applicant (copies of three current consecutive pay stubs, SSI benefit letter, social security, pension, unemployment, etc.) Last year’s federal tax return (if filed) Driver’s license or other form of picture identification Lead test results for children under seven who reside in the home 124 E. Jefferson St., Syracuse, NY 13202 (315) 474-1939 Fax (315) 474-0637 info@homehq.org • www.homehq.org