1. I understand that Putnam County Housing Corporation (PCHC) provides foreclosure mitigation counseling with funding from the U.S. Department of Housing and Urban Development (HUD) and other state and federal agencies. I will receive an action plan consisting of recommendations for handling my finances, possibly including referrals to other agencies as appropriate.

2. I understand as part of funding requirements, some of my personal information will be shared with program administrators or their evaluators, such as: (a.) submitting client-level information to the data collection system for this grant, (b.) opening files to be reviewed for program monitoring and compliance purposes, and (c.) conducting follow-up with client related program evaluation.

3. I give permission for administrators including and/or their agents to pull my credit report up to two additional times and to give authorization for program administrators and/or their evaluators to follow-up with me for up to three (3) years from the date of this signed form for the purposes of program evaluation.

4. I acknowledge that I have received a copy of Putnam County Housing Corporation’s Privacy Policy. I have elected NOT to “opt-out” of disclosures of my nonpublic personal information to third parties.

5. I may be referred to other housing services of the organization or 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 by PCHC or its partners.

6. A counselor may answer questions and provide information, but not give legal advice. If I want legal advice, I will be referred for assistance to Legal Services of the Hudson Valley (LSHV) for a free of charge consultation. LSHV receives funding from various federal and state agencies which may require “low income status.”

7. I understand that PCHC provides information and education on numerous loan products and housing programs. I further understand that the housing counseling I receive from PCHC in no way obligates me to choose any of these particular loan products or housing programs.

8. Further, I may revoke this consent at any time except to the extent that action based on this consent has been taken.

Putnam County Housing Corporation is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your "non-public personal information," such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors, program monitors, and others only with your authorization and signature. We may also use anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs.

Types of information that we may gather about you:

Information we receive from you orally, on applications or other forms, such as your name, address, social security number, assets and income;
Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage; and
Information we receive from a credit reporting agency, such as your credit history.

You may Opt-out of certain disclosures:

You have the opportunity to "opt-out" of disclosures of your nonpublic personal information to third parties.
If you choose to 'opt-out," we will not be able to answer questions from your creditors. If at any time you wish to change your decision with regard to your "opt-out," you may contact us.

Release of your information to third parties:

So long as you have not opted-out, we may disclose some or all of the information that we collect, as described above, to your creditors or third parties where we have determined that it would be helpful to you, would aid us in counseling you, or is a requirement of grant awards which make our services possible.
We may also disclose any nonpublic personal information about you or former customers to anyone as permitted by law.
Within the organization, we restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

I understand that my name and telephone number will not be shared with other parties, but that other information gathered may be used for research, program or policy development, or other legitimate purposes by the New York State Office of the Attorney General and parties with which it contracts (such as the Center for New York City Neighborhoods and Empire Justice Center), the City of New York, or other relevant funders of foreclosure prevention services.

I/We understand that the purpose of the housing counseling program is to provide one-on-one counseling to assist me/us with our counseling needs.


I/We understand that the purpose of the housing counseling program is to provide one-on-one counseling to assist me/us with our counseling needs. The counselor will analyze my/our financial situation, identify those barriers preventing me/us from resolving our current situation, and develop a plan to remove those barriers. I/We further understand that it will not be the responsibility of the counselor to fix the problem for me/us but rather to provide guidance and education to empower
me/us in fixing those issues. Type of services we provide are:
• Mortgage Delinquency and Default Resolution Counseling
-Provides counseling to homeowners at risk or in foreclosure
• Pre-purchase Counseling
-Preparing clients to become first time homebuyers
• Rental Housing Counseling
-Assists clients with their housing and financial situation
• Reverse Mortgage Counseling
-Provides statutory-required counseling to clients age 62 or older who are interested in obtaining an FHA-insured HECM.
• Services for Homeless Counseling
-Counseling is provided to individuals needing information regarding emergency shelters, transitional housing and referrals.
• Pre-purchase Homebuyer Education
-Partners with eHomeAmerica to provide online homebuyer education for a fee of $99.00

Funders include U.S. Department of Housing and Urban Development, New York State Attorney
General’s Office, the New York State Division of Housing and Community Renewal and the State of New York Mortgage Agency.

Putnam County Housing Corporation offers the following services and has financial relationships
with following industry partners:
• HUD Housing Choice Voucher Program (Section 8)
• HUD Comprehensive Housing Counseling Program
• NYS Attorney General’s Home Ownership Protection Program (HOPP)
• SONYMA/NCC Restart Program
• Family Self-Sufficiency Program (FSS)
• Federal Home Loan Bank (FHLB) Homebuyer Dream Program with local partners: Tompkins Mahopac Bank; M & T Bank; PCSB Bank; and Hudson Valley Federal Credit Union.
• Lakeview Housing Development Fund
• Gleneida Housing Development Fund
• Gleneida Senior Apartments
• Senior Housing at Mahopac Hills