Please provide one of the following in the next question: hourly rate, monthly gross income, or yearly gross income

I authorize LEDC to pull my soft credit report to review my credit history without affecting my credit score, now or in the future, including obtaining consumer and/or commercial credit reports. I understand that this Loan Application may serve as the first step of a loan application and that LEDC may request supporting documents to verify the information provided. As part of the application process, I authorize LEDC to investigate and verify all the above information and to exchange information about credit experience with other creditors, from time to time, as authorized by law. I also understand that the information provided on this form or on my credit report may be used by LEDC to either approve or decline my request for credit. The release in any manner of all information by LEDC is hereby authorized whether such information is of record or not, and I hereby release all persons, agencies, firms, companies, etc., from any damages resulting from such information. I authorize LEDC to investigate and verify the above information, and contact any references regarding this application. I understand that LEDC will retain this application whether the loan is approved or denied. I understand that this application will expire 60 days after submission. I acknowledge that this electronic form will legally bind me to the terms and conditions contained in the related documents just as if I had physically signed the same documents with a pen.

The Federal Equal Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a biding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administrates compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Room 500, 633 Indiana Avenue, N.W., Washington, DC.

Latino Economic Development Center
Services Offered:
Our agency provides the following HUD one-on-one housing counseling services:

rental topics; pre-purchase/homebuying; non-delinquency post-purchase; home maintenance and financial management for homeowners; and resolving or preventing mortgage delinquency or default counseling.

Our agency also provides the following services and group education workshops: financial literacy; fair housing; pre-purchase/homebuyer education; non-delinquency post-purchase; resolving or preventing delinquency; tenant rights and other workshops as required by local assistance programs; small business development support, small business loans, and Lending Circles.  

Relationships with Industry Partners:

Our agency has financial or exclusive relationships, or both, with specific industry partners, including: Virginia Housing Development Authority, DC Department of Housing and Community Development, Maryland Department of Housing and Community Development, Greater Washington Urban League, DC Housing Finance Agency, Baltimore City Department of Housing and Community Development, UnidosUS, United States Department of Housing and Urban Development, Wells Fargo, Citi Bank, Bank of America, Capital One Bank, and HSBC Bank USA.  

No Client Obligation:
There is no obligation to receive, purchase, or use any product or service offered by this agency or any services of its industry partners or other party in exchange for your receiving HUD housing counseling services.

Alternatives:

As a condition of our services, and in alignment with meeting our counseling goals, and in compliance with HUD’s Housing Counseling Program requirements, we may provide information on alternative services, programs, and products available to you, if applicable and known by our staff.

I have read and received a copy of this disclosure.