Disclosure Statement and Private Policy

  • I hereby request the services of Sioux Empire Housing Partnership’s (SEHP) Education Center for Homeownership.
  • I agree to provide any information required by SEHP in order to complete the program.
  • I agree to give permission to any lender from which I obtain a mortgage to discuss my loan and any delinquencies with SEHP staff.
  • I agree to give permission to SEHP to share information with Sioux Falls Community Development or my employer (if applicable) for the purpose of evaluating my request for resources.
  • I understand that SEHP does not charge a fee for the Homebuyer Education Program or any other service it provides.
  • I understand that SEHP may recommend several mortgage loan product(s) or down payment assistance. However, I also understand that SEHP is NOT responsible for any lender decision and has NO authority to approve or deny any mortgage application.
  • I understand that completion of the SEHP Homebuyer Education Program is not a guarantee that any mortgage application will be approved.
  • I agree to hold SEHP harmless for any losses, claims, liabilities, or damages alleged to arise from SEHP’s services.
  • I understand that SEHP resources, including real estate services, may be available to me, but I am under no obligation to utilize these services.

Our Counseling and Education Services Addresses the following:

Pre-Purchase Homebuyer Education Counseling: Comprehensive one-on-one counseling is provided to clients, covering every step of the home-buying process. Choosing a property that fits their needs, working with a realtor, homeowners’ insurance, fair housing, being aware of predatory lending, and home maintenance are just a few of the subjects covered.
Pre-Purchase Homebuyer Education Workshops: Attendees will receive information on topics that will prepare the prospective homebuyer to make informed home purchase decisions. Topics include homebuyer readiness, money management, understanding credit, getting a mortgage loan, shopping for a home, keeping your home/managing finances, and maintaining a home, fair housing.
Rental Housing Counseling/Housing Workshops: This topic will help Client(s) streamline their search and understand the total cost and affordability of a rental unit, balancing personal income and expenses, application process, rights, and responsibilities.
Adult and Youth Financial Literacy: This topic will help Client(s) gainabroaderknowledgeofpersonalmoneymanagementtechniques, preparea householdbudgetusingtheircurrentincome, expensesandpersonalspendinghabits, developfinancialgoalsandestablishareasonable timetableto accomplishthosegoals.
Credit History Review: This topic will educate Client(s) on the importance of their credit report and the impact it has on obtaining loans, how to request a copy of their credit report, analyze an individual credit report, comprehend the essential information, and learn how to dispute and correct any inaccuracies.

Privacy Policy

NOTE: If you have an impairment, disability, language barrier, or otherwise require an alternative means of completing this form or accessing information about housing counseling, please talk to your housing counselor about arranging alternative accommodations.
The Sioux Empire Housing Partnership (SEHP) values the privacy of individuals and/or families who have contacted us for services. We understand that the concerns you bring to us are highly private in nature. We assure you that any personal information you disclose verbally or in writing will be managed ethically as well as legally. In addition, we want you to understand how we use the personal information we collect about you. Please read this notice carefully, as it defines our policy for collecting and disclosing your nonpublic, personal information.

What is nonpublic, personal information?
• Information that identifies an individual personally and is not otherwise publicly available information, such as your Social Security Number (We DO NOT collect SSN) or demographic data such as your race and ethnicity
• Includes personal financial information such as credit history, income, employment history, financial assets, bank account information and financial debts

What personal information does SEHP collect about you?

We collect personal information about you from the following sources:
• Information that you provide on our registration forms, intake form, email, digital messaging or verbally
• Information about your transactions with us, our affiliates, or others
• Information we receive from your creditors or employment references

What categories of information do we disclose and to whom?
We may disclose the following personal information to financial service providers (such as your lender, companies providing home mortgages), Federal, State, and nonprofit partners for program review, monitoring, auditing, research, and/or oversight purposes, and/or any other pre-authorized individual and/or organization. The types of information we disclose are as follows:
• Information you provide on our registration forms/intake forms or other forms of communication. This information may include your name, address, employer, occupation, budget or expenses, and income.
• We do not sell or rent your personal information to any outside entity.
• We may share anonymous, aggregated case file information; but this information may not be disclosed in a manner that would personally identify you in any way. This is done in order to evaluate our program, gather valuable research information, and/or design future programs.
• We may also disclose personal information about you to third parties as permitted by law.

How is your personal information secured?
We restrict access to your nonpublic personal information to SEHP employees who need to know that information in order to perform their housing counseling duties. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information; and we train our staff to safeguard client information and prevent unauthorized access, disclosure, or use.

Opting Out of Certain Disclosures
You may direct SEHP to not disclose your nonpublic personal information to third parties (other than disclosures made to project partners and those permitted by law). However, if you choose to opt out, we will not be able to answer any questions from your lender, mortgage officer, creditors, or organization that referred you to our programs and services. As a result, this may limit SEHP’s ability to provide certain services. Please X one of the options below, then please sign and date. If you choose to release your information as stipulated in this Privacy Policy, you may change your decision at any time by contacting our agency.