Do You Have... Stable income of at least $25,000 A credit score of at least 600 At least $1,000 in savings

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1 No Do You Have... Stable income of at least $25,000 A credit score of at least 600 At least $1,000 in savings Yes Register online for credit workshop Visit scdhc.com Meet w Determine credit eligibility Review credit report Meet with Housing Specialist Develop spending plan Create action plan Resolve Credit Pay judgements/collections Negotiate settlements Send updates to credit bureaus Reminders Only 1st time home buyers are eligible (have not owned a home in the past 3 years) You must take all courses through SCDHC Your lender must be on the VHDA's approved lender list You must meet our income guidelines Henrico County purchases have additional requirements. Check the back for more information. Register online for Homebuyers Workshop Visit scdhc.com Meet with Housing Specialist Create budget and action plan Calculate housing affordability Determine down payment assistance (DPA) eligibility Meet with Lender Complete loan application Get pre qualification letter Meet with Realtor Housing preference worksheet Find a home & sign contract Loan Closing Loan approval & set closing date Home inspection & final walk through Sign papers Get keys! Move In! Post Purchase Counseling Household maintenance review Review post purchase spending plan 2/8/17 During the process please do not do anything that will potentially interfere with your credit score (i.e, overuse of credit card(s), taking out new loans, buying a automobile, or buying furniture, etc). Your credit can be pulled at any point during this process. If you are found to be ineligible for DPA and/or your mortgage loan, you will forfeit it.

2 Transforming Our Communities Dear Homebuyer: Thank you for contacting SCDHC for your housing and counseling needs. To better serve you, we need to gather additional information to determine if you are eligible for our down payment assistance or home purchase program. Please complete and sign the Part I Intake Application and submit with $25.00 so we can pull your credit report. You will be notified within two business days upon receipt of your Intake Form. If we determine you are eligible to make complete application for the program, you will need to submit the Application Part II with supporting documentation listed below. You may submit documents by fax, , or mail. If determined eligible, the following documents listed below will need to be submitted with your Application Packet: Pay stubs for each person in the household (6 most recent months) Tax Returns (Past Three Years) to include W-2 s or Profit & Loss Statements Proof of income from all sources which may include: Social Security (all forms), unemployment, alimony, child support, etc. Retirement, 401(k), etc. (Provide most recent Quarterly Statement) Bank Statements: Last 6 months (do not send online account activity) Bankruptcy Discharge Papers, if applicable, and letter of explanation Copies of the following loan documents: 1. Loan Application and Pre-Approval Letter from Lender 2. Purchase Contract 3. Good Faith Estimate Statement/Cost Summary 4. Independent Inspection Upon receiving your complete intake application and requested documents you will be contacted within 5 business days. Your file will be given to a certified housing counselor who will work with you to develop an Action Plan and Budget. You May Return Your Documents By: Faxing forms to: Scanning & ing forms to: dianna@scdhc.com or Mailing forms to: SCDHC ATTN: Down Payment Assistance 1624 Hull Street Richmond, VA 23224

3 SCDHC Intake Form PART 1 Date: Client Number: Reason for Visit: How Did You Hear About SCDHC? Applicant: Name: Address: City: State: Lender Realtor SCDHC Mail Website Other: Zip: Home #: Cell #: Other: Co-Applicant: Name: Address: City: State: Zip: Home #: Cell #: Other: Education: None High School GED Vocational Other College: Associates Bachelors Masters PhD Birthdate: Employer: Gross Income: Part-Time Income: Co-Applicant s Birthdate: Co-Applicant s Gross Income: Rent Own Other Persons in household: # of Adults # of Children under 18 Richmond Henrico Chesterfield Hopewell Petersburg Male Female American Indian/Alaskan Native Asian African American or Black Native Hawaiian or other Pacific Islander White American Indian & White Asian & White African American & White American Indian & White American Indian & African American Other (specify): Hispanic Married Single Divorced Widow Disabled 62+ Female Head of Household Veteran Living in Rural Area: Yes No Office Use: > <80 < 50 Other The cost for our Credit Report is $ If you wish to have your credit report pulled, you may pay by cash, money order, or credit/debit card during your counseling session, or on our website under the make a donation tab. AN APPLICATION FOR DPA CANNOT BE CONSIDERED UNTIL WE RECEIVED A COMPLETE APPLICATION PACKET. Social Security #: Co-Applicant Social Security:

4 SOUTHSIDE COMMUNITY DEVELOPMENT & HOUSING CORPORATION AUTHORIZATION & DISCLOSURE DISCLOSURE Southside Community Development & Housing Corporation is an organization that provides homeownership counseling to homebuyers and foreclosure prevention counseling for homeowners. Southside Community Development & Housing Corporation assists clients through homeownership counseling and education services. There are many real estate brokers, mortgage lenders and mortgage brokers and you, as a client of Southside Community Development & Housing Corporation, are free to choose whomever you please to provide these types of services to you. AUTHORIZATION FORECLOSURE PREVENTION CLIENTS I/We authorize Southside Community Development & Housing Corporation, its staff or representatives, to act on my/our behalf for the purpose of seeking a resolution with regard to the property listed above. I/We authorize our lending institution/mortgage company to fax, mail, or any items requested by Southside Community Development & Housing Corporation in reference to our mortgage delinquency immediately. I understand that Southside Community Development & Housing Corporation provides foreclosure mitigation 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. I understand that Southside Community Development & Housing Corporation receives Congressional funds through the National Foreclosure Mitigation Counseling (NFMC) program and, as such, is required to share some of my personal information with NFMC program administrators or their agents for purposes of program monitoring, compliance and evaluation. I give permission for NFMC program administrators and/or their agents to follow-up with me for the purposes of program evaluation. I acknowledge that I have received a copy of the Southside Community Development & Housing Corporation Privacy Policy. AUTHORIZATION ALL CLIENTS Pursuant to Public Law 91-50B, Title VI, Section 604 (2) & (3) A & B and Section 610 (a) (d), I/We hereby authorize any Credit Reporting Agency to disclose any consumer credit information to Southside Community Development & Housing Corporation and hereby name Southside Community Development & Housing Corporation as the authorized person of my choosing. I/We authorize them to obtain my credit report for the purpose of discussing and/or negotiating all matters regarding pre- and post-purchase counseling. Additionally, you may discuss my file with /Southside Community Development & Housing Corporation personnel (Law No (d) 1). I understand that 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. A counselor may answer questions and provide information, but not give legal advice. If I want legal advice, I will be referred for appropriate assistance. I understand that Southside Community Development & Housing Corporation provides information and education on numerous loan products and housing programs and I further understand that the housing counseling I receive from Southside Community Development & Housing Corporation in no way obligates me to choose any of these particular loan products or housing programs. PRIVACY STATEMENT Southside Community Development & 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 nonpublic 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 on the Counseling Agreement. We may also use anonymous aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs. I acknowledge that this document also serves as Southside Community Development & Housing Corporation's Privacy Policy. ACKNOWLEDGMENT I/we understand that Southside Community Development & Housing Corporation provides information and education on numerous loan products and housing programs and I further understand that the housing counseling I receive from Southside Community Development & Housing Corporation in no way obligates me to choose any of these particular loan products or housing programs. I/we have read and received a copy of this disclosure form. APPLICANT SIGNATURE _ CO-APPLICANT SIGNATURE DATE DATE SOUTHSIDE COMMUNITY DEVELOPMENT & HOUSING CORPORATION 1624 Hull Street Richmond, VA (804) (Phone) (804) (Fax)

5 1. RESIDENCES FOR THE PAST 2 YEARS PART II APPLICATION HOMEOWNERSHIP ASSISTANCE From Month/Year To Month/Year Street Address City State Zip Landlord s Name Landlord s Address Monthly Payment Please name people who will live in the home Name Relationship Date of Birth Sex Occupation Monthly Income 2. EMPLOYMENT INFORMATION APPLICANT: List all work experience (beginning with your present position). List all jobs you have held in the last 5 years. From Mo./Yr. To Mo./Yr. Employer s Name Phone No. Contact s Name Reason for Leaving Annual Salary Position/Title Employer s Address CO-APPLICANT: List all work experience (beginning with your present position). List all jobs you have held in the last 5 years. From Mo./Yr. To Mo./Yr. Employer s Name Phone Number Contact Name Reason for Leaving Annual Salary Position/Title Employer s Address

6 3. BANKING INFORMATION Name of Bank Address Type of Account Account Number Cur. or Avg. Bal. 4. ASSETS Make and Model of Vehicle Make and Model of Vehicle Year Year Retirement, Pension, 401(k), Investments, etc. - $ Can you access these funds before retirement? Yes No If Yes, how much of funds are available to you? $ 5. LIABILITIES (List All Debts, including alimony, child support, banks, etc.) Lender Account Number Original Amount Owed Monthly Payment Balance Comments: Please do not leave any spaces blank, if they do not apply, please write/type, NA (not applicable) I affirm that all of the answers given on this application are all true and accurate and made for the purpose of purchasing a home, applying for help with down payment assistance, or to access other housing related services we offer. Signature of Applicant Date Signature of Co-Applicant Date SOUTHSIDE COMMUNITY DEVELOPMENT & HOUSING CORPORATION 1624 Hull Street Richmond, VA (804) (Phone) (804) (Fax)

7 SCDHC MONTHLY SPENDING PLAN FIXED EXPENSES Now w/house FLEXIBLE EXPENSES Now w/house Rent Electric Gas/Oil Water/Sewer Telephone Cell Phone Trash pickup Cable TV (basic) Auto Insurance Life Insurance w/bundle package Medical Insurance Renter's Insurance Child care Child support/alimony Internet Services Storage Fee Personal Prop. Tax/Registration Other Savings Groceries Lunch (work/school) Eating out Entertainment/Hobbies Beauty/Barber Shop Manicure/Pedicure Laundry/Dry Cleaning Cleaning Supplies Clothing Gasoline (car/truck) Bus or Taxi Newspaper/Magazines Tuition/Books School Supplies Field Trips/Allowance Vacation Alcohol/Cigarettes Church Offerings/Tithes TOTAL (A) Christmas/Birthday Gifts Auto Maintenance House Maintenance CREDITOR PAYMENTS Now w/house Pet Expenses Total Installment loan payments Total Auto Payments Total credit card payments Parking/Tolls Lottery/Bingo Doctor/Dentist Co-pays TOTAL (C) Medical Prescriptions Other EXPENSES TOTAL (B) FIXED (A) CREDITOR (C) FLEXIBLE (B) TOTAL EXPENSES (D) NET MONTHLY INCOME Subtract Expenses from Income (E-D) Source 1 Total Income (E) Source 2 Total Expenses (D) Other Income TOTAL (E) DIFFERENCE + OR Note: If you have accounted for all income and monthly expenses, your difference should be at least $ at month end. If you come up with a negative number, you are spending more than you make. Please revise spending plan to trim expenses. CERTIFICATION: I hereby certify that I have reviewed the above budget with the applicant(s) and they concur it is reasonable Client(s) Signature: Counselor Signature: Date: 09/05/2014

8 Down Payment Assistance Eligibility Requirements For 1st Time Homebuyers Maximum Price Up to $ Must meet HUD Household Income Guidelines Must be able to Qualify for a Mortgage Loan Must have all Judgments and Collections Paid Must Pass a Whole House HUD HQS Inspection Must use an Inspector from our Approved List Must use a VHDA Approved Lender Must attend VHDA Homebuyer Education Class Must invest $2,000 out of your own funds *For more information, please contact dianna@scdhc.com

9 SCDHC Realtor Partners List Bruce Richardson Virginia Capital Realty Phone Catina Wright Icon Realty Chris Hargrave RVA Realty Darlene Brent Long & Forster Realty Elena Cussatti (bilingual) Keller Williams Ext Inez Costa Club (bilingual) Keller Williams Joie Boykins East Coast Realty Kim Crews The Right Move Real Estate, Inc Lisa Fields Virginia Capital Realty Matt Jarreau Hometown Realty Rozmary Roz Wright East Coast Realty & Relocation Smitty Smith River City Blues Realty Teri Jones Ricks Lifelong realty, Inc Virginia LeaBough Long & Foster Realty

10 SCDHC Lender Parnters List Chris Parks Alcova Mortgage Diane Dunn Movement Mortgage John King Village Bank Judi Jurey (VHDA Certified) BB&T Mary & Rock White (VHDA Certified) Townebank Mortgage Matthew Melvin Banc Home Loans Linda R. Melton (VHDA Certified) Fulton Bank Michael Cao (VHDA Certified) George Mason Mortgage LLC Michael Hall Townebank Mortgage Ralph Hodge Hamilton Group Funding

11 APPROVED SETTLEMENT AGENCIES FIRST TITLE ESCROW 1 PARK WEST CIRCLE, SUITE 104 MIDLOTHIAN, VA (804) APEX TITLE AND SETTLEMENT SERVICES 4341 COX ROAD GLEN ALLEN, VA (804) SAFE HARBOR TITLE 4900 AUGUSTA AVENUE, SUITE 150 RICHMOND, VA (804) HARRELL & CHAMBLISS 707 EAST MAIN STREET, SUITE 1000 RICHMOND, VA (804) Please let your realtor know that the settlement agent of your choice (above) should be noted on the purchase agreement.