Monthly Budget Worksheet
Please provide the total dollar amount spent for each item per month for all household members.
Monthly Summary
Budget Certification
Only valid with signature from HOTH Housing Counselor.
CFPB Financial Well-Being Scale Questionnaire
Agency Disclosure Acknowledgment
Homes on the Hill (HOTH) CDC is a HUD approved housing counseling agency. The HOTH mission is to strengthen neighborhoods by providing quality affordable housing, advocacy, education, and supportive services to individuals and families of primarily low/moderate incomes. As a potential client of this organization, you have the right to know the following:
HOTH is a not-for-profit organization and works to provide all services free of charge. Our services include: fair housing pre-purchase education workshops, home improvement & rehabilitation counseling, financial, budgeting & credit repair workshops, mortgage delinquency & default resolution counseling, non-delinquency post-purchase workshops/counseling, pre-purchase counseling, predatory lending education workshops, rental housing counseling, pre-purchase homebuyer education workshops, rental housing workshops, and resolving/preventing mortgage delinquency counseling. HOTH will access a soft-touch, tri-merge copy of your credit report at no charge to you. This will not affect your credit scores. You may also bring in your own current copy of a tri-merge credit report if you prefer.
Besides offering housing counseling services, HOTH is also a housing developer and offers new and rehabbed homes for sale and rent. As a HOTH client, you are under no obligation to purchase property from HOTH or to rent a property from HOTH. HOTH will work to assist you in the purchase or rental of any property of your own choice.
HOTH also sometimes offers various down payment assistance programs, each with their own restrictions and guidelines, to qualified applicants. As a HOTH client, you are under no obligation to participate in our programs. If you wish to pursue any form of down payment assistance, HOTH will work to assist you in determining which program best fits your needs, including but not limited to programs offered by the City of Columbus, Franklin County, CHP/Homeport, OHFA, HOTH, COCLT and any others available.
All information submitted to HOTH is considered confidential and will be kept confidential unless you consent to the disclosure of such information.
HOTH is approved by the U.S. Department of Housing and Urban Development. HOTH also maintains affiliations, funding sources, partnerships, and working relationships with other public and private community organizations which could create a conflict of interest. These community ties are listed in our brochure and on our website.
As a client, you have the freedom of choice in selecting and engaging in any and all business transactions with persons working in the financial, mortgage, real estate, homeowner education, housing counseling or other homeownership industry professionals. You have the right to make voluntary and informed decisions free of coercion, intimidation, or undue pressure.
If at any time you decide to terminate your relationship with HOTH, you have the right to request an assessment of your immediate or long term potential for successfully achieving or maintaining homeownership and a description of the recommended steps to attain your housing goal in the future.
Credit Report Authorization and Privacy Disclosure
I hereby authorize and instruct Homes on the Hill CDC (hereinafter “HOTH”) to obtain and review my credit report. My credit report will be obtained from a credit reporting agency chosen by HOTH. I understand and agree that HOTH intends to use the credit report for the purpose of evaluating my financial readiness to rent or purchase a home.
My signature below also authorizes the release to credit reporting agencies of financial or other information that I have supplied to HOTH in connection with such evaluation. Authorization is further granted to the credit reporting agency to use a copy of this form to obtain any information the credit reporting agency deems necessary to complete my credit report.
In addition, in connection with determining my ability to obtain a loan, I authorize that HOTH may share with potential mortgage lenders and/or counseling agencies my credit report and any information that I have provided, including any computations and assessments that have been produced based upon such information. Mortgage lenders may share the information I provide to the lender with the counseling agencies. These lenders may contact me to discuss loans for which I may be eligible, and these counseling agencies may contact me to discuss counseling services.
I understand that I may revoke my consent to these disclosures by notifying HOTH in writing.
Third Party Authorization
I authorize MiraCit Development Corporation, Inc. and Homes on the Hill to exchange information related to my participation in programs and services for the purpose of coordinating services, making credit referrals, determining eligibility, tracking progress, and providing support.
Information that may be shared includes contact information, intake and assessment data, program participation, credit reports, financial information, case management information, and other information necessary to provide services.
I understand that:
• This authorization is voluntary.
• My information will be kept confidential and used only for program-related purposes.
• I may revoke this authorization at any time by providing written notice.
• This authorization remains in effect for the duration of my participation in programs offered by MiraCit Development Corporation, Inc. and Homes on the Hill unless revoked earlier.
