Limited English proficiency (LEP) is a term used in the United States that refers to a person who is not fluent in the English language, often because it is not their native language.
Family Self-Sufficiency (FSS) is a HUD program designed to help public housing residents, Housing Choice Voucher participants, and residents of multifamily assisted housing to increase their earnings and build assets and financial capability.
Please provide your initials to authorize the following.
I understand that:
(a) Mercy Housing & Human Development (MHHD) is a HUD approved agency that provides confidential pre-purchase, post-purchase, foreclosure prevention, rental and credit counseling, after which I will receive a written Action Plan consisting of recommendations for handling my finances, possibly including referrals to other housing agencies as appropriate.
(b) A counselor may answer questions and provide information about bankruptcy, but not give legal advice.
(c) MHHD provides information and education on numerous loan products and housing programs and I further understand that the housing counseling I receive from MHHD in no way obligates me to choose any of these particular loan products or housing programs.
(d) MHHD serves 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.).
I release, discharge, hold harmless, and forever acquit Mercy Housing & Human Development, Inc. and each and all of its employees, volunteers, agents, representatives, affiliates, successors, attorneys, and any and all other persons, or entities (including the Mississippi Home Corporation) who may in any manner be liable, therefore without limitation from:
(a) any and all actions, claims, demands and causes of action, for any and all types, kinds or character of damages which any of us may now or hereafter have, on account of any credit, home ownership and home buying counseling or advice
(b) any claims of any kind or nature made by any person or entity or corporation, including without limitation, any claims by the Internal Revenue Service and the Mississippi State Tax Commission regarding the aforementioned counseling, advice, work performed or otherwise
(c) any and all claims or allegations of personal or injury, property loss, or damages occurring on the premises
(d) any claims and causes of action arising from errors or omissions related to my participation in MHHD counseling
I agree to:
(a) Arrive for my appointments on time or call in advance to cancel them
(b) Provide accurate information about your income, debts, expenses, credit, and employment
(c) Return requested paperwork in a timely manner
(d) Contribute to the counseling sessions and follow through with my agreed upon action plans
(e) Notify my counselor of any changes, including but not limited to contact information or goals
(f) Be terminated from the program for non-compliance
Please provide your initials to authorize the following. I authorize Mercy Housing & Human Development, Inc to:
(a) use my name in any current and future publications or reporting
(b) to use mine and my family’s photograph in reports sent to grantors and in social media or advertisements
(c) Obtain my personal current and future credit report and inquiries from bureaus, as well as any and all information, verbal or written as deemed necessary that will assist improving my credit and/or assist me in obtaining a mortgage, rental or housing assistance. Including but not limited to
Current and previous employment, Current and previous loans or extended credit,
Current and previous residences , Banks, credit unions and all other accounts,
Consumer credit reports.
(d) Speak on my behalf, share and/or discuss my credit report and financial situation with any other entity such as but not limited to lenders, grantors, collection agencies, creditors, landlords or nonprofits which may offer me a mortgage or other housing and financial related assistance
(e) Furthermore, in view of the fact that Mercy Housing & Human Development is a no-profit organization, I hereby release, hold harmless and waive all claims associated with these publications and marketing materials which I may have against Mercy Housing & Human Development and its employees