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VIRGIN ISLANDS HOUSING FINANCE AUTHORITY 3202 Demarara Plaza ∙ Suite 200 ∙ St. Thomas, USVI 00802-6447 Telephone: (340) 777-4432 ∙ Fax: (340) 775-7913 Email: homeownership@vihfa.gov St. Croix Office: 100 Lagoon Complex ∙ Suite 4 ∙ Frederiksted, VI 00840-3912 ∙ Telephone: (340) 772-4432 THE FOLLOWING DOCUMENTATION IS NEEDED TO COMPLETE AND SUBMIT AN APPLICATION FOR THE PREQUALIFICATION INTERVIEW: REGARDING INCOME AND/OR EMPLOYMENT FOR EACH APPLICANT: □ FOUR (4) RECENT PAY STUBS FOR EACH PLACE OF EMPLOYMENT □ LAST THREE (3) YEARS STAMPED BY I.R.B. INCOME TAX RETURNS (FORM 1040 & W2S ATTACHED) □ CURRENT JOB LETTER FROM EACH EMPLOYER STATING PAY RATE, POSITION, & HIRE DATE □ IF SELF-EMPLOYED, YEAR-TO-DATE PROFIT & LOSS STATEMENT FOR CURRENT YEAR □ AWARD LETTER: ___ RETIREMENT/PENSION ___ SOCIAL SECURITY ___ DISABILITY ___ OTHER REGARDING CREDIT/ASSETS FOR EACH APPLICANT: □ 3 MONTHS OF COMPLETE CURRENT BANK STATEMENTS FOR ALL TYPES OF ACCOUNTS HELD AT ALL FINANCIAL INSTITUTION (I.E. CHECKING, SAVINGS, CD’S, MONEY MARKET) OTHER INFORMATION □ CHECK/MONEY ORDER/CREDIT CARD PAYABLE TO VIRGIN ISLANDS HOUSING FINANCE AUTHORITY NO CASH ACCEPTED  FOR NEW APPLICATIONS: $100.00  FOR UPDATED APPLICATIONS: $40.00 INDIVIDUAL AND $70.00 JOINT  FOR ELIGIBLE VETERANS: $75.00 *ALL FEES ARE NON-REFUNDABLE □ COMPLETE RECORDED DIVORCE DECREE OR LEGAL SEPARATION AGREEMENT FILED WITH THE COURT □ EVIDENCE OF CHILD SUPPORT PAYMENTS (I.E. RECEIPTS, DEPARTMENT OF JUSTICE, 12 MONTHS OF BANK STATEMENTS) □ BIRTH CERTIFICATES AND SOCIAL SECURITY CARDS FOR EACH MINOR HOUSEHOLD MEMBER □ VALID PICTURE ID AND SOCIAL SECURITY CARDS FOR EACH ADULT HOUSEHOLD MEMBER □ CERTIFICATE OF ELIGIBILITY: DEPARTMENT OF VETERAN’S AFFAIRS USDA/RURAL DEVELOPMENT VIRGIN ISLANDS HOUSING FINANCE AUTHORITY 3202 Demarara Plaza ∙ Suite 200 ∙ St. Thomas, USVI 00802-6447 Telephone: (340) 777-4432 ∙ Fax: (340) 775-7913 Email: homeownership@vihfa.gov St. Croix Office: 100 Lagoon Complex ∙ Suite 4 ∙ Frederiksted, VI 00840-3912 ∙ Telephone: (340) 772-4432 CREDIT AUTHORIZATION I/WE , AND (APPLICANT - PRINT NAME) (CO-APPLICANT - PRINT NAME) HAVE AUTHORIZED THE VIRGIN ISLANDS HOUSING FINANCE AUTHORITY TO OBTAIN MY/OUR CREDIT REPORT FOR THE PURPOSE OF DETERMINING MY/OUR ELIGIBILITY FOR HOME OWNERSHIP. APPLICANT: SIGNATURE: DATE: SOCIAL SECURITY NUMBER: DOB: MAILING ADDRESS: CO-APPLICANT: SIGNATURE: DATE: SOCIAL SECURITY NUMBER: DOB: MAILING ADDRESS: VIRGIN ISLANDS HOUSING FINANCE AUTHORITY 3202 Demarara Plaza ∙ Suite 200 ∙ St. Thomas, USVI 00802-6447 Telephone: (340) 777-4432 ∙ Fax: (340) 775-7913 Email: homeownership@vihfa.gov St. Croix Office: 100 Lagoon Complex ∙ Suite 4 ∙ Frederiksted, VI 00840-3912 ∙ Telephone: (340) 772-4432 HOMEBUYERS EDUCATION REGISTRATION FORM DATE: LAST NAME: FIRST NAME: SOC. SEC. NO.: DATE OF BIRTH: RESIDENTIAL ADDRESS: CITY: _________________________ ISLAND: ____________________ ZIP CODE: _________________ MAILING ADDRESS: CITY: ISLAND: ZIP CODE: TELEPHONE: (WK) (HM) (OTHER) EMAIL ADDRESS: VIHFA PRIORITY # CLASSES ONLY: Please check the box that indicate your current housing status: □ CONDO □ SINGLE FAMILY HOME □ TOWNHOME □ CONDO OWNER □ SINGLE FAMILY HOME OWNER □ TOWNHOME OWNER □ RENTER □ OTHER Please indicate your class selection: □ ST. THOMAS-WEDNESDAYS 6:00PM-8:00PM □ ST. CROIX-THURSDAYS 6:00PM-8:00PM ******************************************************************************************************** The following information is requested by the Federal Government in order to monitor Virgin Islands Housing Finance Authority’s (VIHFA) compliance with Federal laws prohibiting discrimination against applicants on the basis of race, national origin, sex, and family status. You are not required to furnish this information, but you are encouraged to do so. This information will help us to measure the success of our program delivery to minorities as well as non-minorities. However, should you choose not to furnish it, VIHFA is required to note the race, origin and sex of the applicant on the basis of visual observation. □ Male □ Female Ethnicity: (select only one) □ Hispanic or Latino □ Not Hispanic or Latino Race/National Origin: (select one or more) □ White □ Black or African American □ Asian/Pacific Islander □ American Indian or Alaska Native □ Other Marital Status: □ Single Education: □ High School/ GED Active Duty: □ Yes Veteran: □ Yes □ Married □ College □ No □ No □ Divorced □ Vocational □ Widowed Household Size: Household Annual Income: Monthly Income: SIGNATURE: Applicant Date SIGNATURE: ____________________________________________________ __________________________ Co-Applicant Date SIGNATURE: Facilitator Date VIRGIN ISLANDS HOUSING FINANCE AUTHORITY 3202 Demarara Plaza ∙ Suite 200 ∙ St. Thomas, USVI 00802-6447 Telephone: (340) 777-4432 ∙ Fax: (340) 775-7913 Email: homeownership@vihfa.gov St. Croix Office: 100 Lagoon Complex ∙ Suite 4 ∙ Frederiksted, VI 00840-3912 ∙ Telephone: (340) 772-4432 DISCLOSURE STATEMENT I understand the Virgin Islands Housing Finance Authority provides Pre- Purchase, Post Purchase, Foreclosure Prevention and Financial Management Counseling/ Education. I will receive a written action plan consisting of recommendations for handling my finances if I am receiving one-on-one counseling. I understand the Virgin Islands Housing Finance Authority will close my case file after six months of no contact. Attempts to communicate with me will be made via e-mail, telephone, and/or U. S. postal mail. I also understand that I have the option to request a copy of my file. I understand the Virgin Islands Housing Finance Authority provides information and education on numerous loan products. I further understand that the housing counseling I receive from the Virgin Islands Housing Finance Authority does not obligate me to choose any of these particular loan products. I understand I am not obligated to utilize any of the services offered me and may be referred to other services offered by the agency or to an outside agency to assist with concerns that may have been identified. I understand that the Virgin Islands Housing Finance Authority will not make referrals to specific agencies, but will provide me a list of agencies and I will make my own decision. I understand that within the Virgin Islands Housing Finance Authority, access to nonpublic personal information is restricted to those employees who need to know that information to provide services. The VIHFA maintains physical, electronic and procedural safeguards that comply with federal regulations to guard nonpublic personal information. I further authorize the Virgin Islands Housing Finance Authority to share the contents of my file with third parties as it pertains to file review with HUD for compliance purposes. Counselors may answer questions and provide information, but will not give legal advice. If I want legal advice, recommendation will be that I seek legal assistance from the appropriate entities. Hold Harmless Agreement I give the Virgin Islands Housing Finance Authority permission to use my name in any current and future publications or reporting. Furthermore, in view of the fact that the Virgin Islands Housing Finance Authority is a state housing finance authority, I hereby release, hold harmless and waive all claims associated with these publications and marketing materials which I may have against the Virgin Islands Housing Finance Authority and its employees. CLIENT ACKNOWLEDGEMENT OF COUNSELING SERVICES I/We ____________________________________________ was/ were given, understand, and acknowledge the VIHFA Disclosure Statement and have received a copy. Applicant (s) printed name(s) Applicant Signature Date Co- Applicant Signature Date Counselor Signature Date The Virgin Islands Housing Finance Authority and its employees are not attorneys. The information provided in this document is to be used as a resource and is based solely on the experiences of the agency’s counselors and training. This is to be completed only for the purpose of providing Counseling Services. VIRGIN ISLANDS HOUSING FINANCE AUTHORITY 3202 Demarara Plaza ∙ Suite 200 ∙ St. Thomas, USVI 00802-6447 Telephone: (340) 777-4432 ∙ Fax: (340) 775-7913 Email: homeownership@vihfa.gov St. Croix Office: 100 Lagoon Complex ∙ Suite 4 ∙ Frederiksted, VI 00840-3912 ∙ Telephone: (340) 772-4432 APPLICATION FOR HOMEOWNERSHIP APPLICANT LAST NAME: FIRST NAME: MI: SOC. SEC. NO.: DATE OF BIRTH: EMAIL ADDRESS: MAILING ADDRESS: RESIDENTIAL ADDRESS: TELEPHONE: (WK) (HM): (OTHER) EMPLOYMENT: NO. OF YEARS: OCCUPATION: ANNUAL INCOME: OTHER INCOME: (I.E.: SOC. SEC.; CHILD SUPPORT; PENSION): YEARS IN V.I.: VETERAN STATUS: YES NO U.S. CITIZEN: PERMANENT RESIDENT: OTHER: ******************************************************************************************************** DO YOU PRESENTLY OWN A HOME? YES NO IF YES, ADDRESS: DO YOU PRESENTLY OWN LAND? YES NO IF YES, ADDRESS: DO YOU LIVE IN PUBLIC/SUBSIDIZED HOUSING? YES NO CURRENT MONTHLY RENT: $ DO YOU RESIDE WITH RELATIVES? YES NO ARE YOU A SECTION 8 RESIDENT? YES NO HAVE YOU PREVIOUSLY COMPLETED THE HOMEBUYER EDUCATION PROGRAM? YES NO ********************************************************************************************************************* CO-APPLICANT LAST NAME: FIRST NAME: MI: SOC. SEC. NO.: DATE OF BIRTH: EMAIL ADDRESS: MAILING ADDRESS: RESIDENTIAL ADDRESS: TELEPHONE: (WK) (HM): (OTHER) EMPLOYMENT: NO. OF YEARS: OCCUPATION: ANNUAL INCOME: OTHER INCOME: (I.E.: SOC. SEC.; CHILD SUPPORT; PENSION): YEARS IN V.I.: VETERAN STATUS: YES NO U.S. CITIZEN: PERMANENT RESIDENT: OTHER: ******************************************************************************************************** DO YOU PRESENTLY OWN A HOME? YES NO IF YES, ADDRESS: DO YOU PRESENTLY OWN LAND? YES NO IF YES, ADDRESS: DO YOU LIVE IN PUBLIC/SUBSIDIZED HOUSING? YES NO CURRENT MONTHLY RENT: $ DO YOU RESIDE WITH RELATIVES? YES NO ARE YOU A SECTION 8 RESIDENT? YES NO HAVE YOU PREVIOUSLY COMPLETED THE HOMEBUYER EDUCATION PROGRAM? YES NO □ Eligible □ Ineligible Date Letter Sent_____ _ Processed by: Priority#:______ ___ VIRGIN ISLANDS HOUSING FINANCE AUTHORITY 3202 Demarara Plaza ∙ Suite 200 ∙ St. Thomas, USVI 00802-6447 Telephone: (340) 777-4432 ∙ Fax: (340) 775-7913 Email: homeownership@vihfa.gov St. Croix Office: 100 Lagoon Complex ∙ Suite 4 ∙ Frederiksted, VI 00840-3912 ∙ Telephone: (340) 772-4432 PLEASE CHECK THE BOX THAT INDICATE YOUR PREFERENCE: □ TOWNHOME □ SINGLE FAMILY HOME □ VETERAN LOAN □ LAND HOUSEHOLD SIZE: MEMBER NAME SEX DATE OF BIRTH SOC. SEC. NO. RELATION TO APPLICANT WILL ANY MEMBER OF THE HOUSEHOLD REQUIRE ANY SPECIAL ACCOMODATIONS OR ADAPTIONS IN ORDER TO BE ABLE TO LIVE IN THE HOME? YES NO ******************************************************************************************************** THE FOLLOWING INFORMATION IS REQUESTED BY THE FEDERAL GOVERNMENT IN ORDER TO MONITOR VIRGIN ISLANDS HOUSING FINANCE AUTHORITY’S (VIHFA) COMPLIANCE WITH FEDERAL LAWS PROHIBITING DISCRIMINATION AGAINST APPLICANTS ON THE BASIS OF RACE, NATIONAL ORIGIN, SEX, AND FAMILY STATUS. YOU ARE NOT REQUIRED TO FURNISH THIS INFORMATION, BUT YOU ARE ENCOURAGED TO DO SO. THIS INFORMATION WILL HELP US TO MEASURE THE SUCCESS OF OUR PROGRAM DELIVERY TO MINORITIES AS WELL AS NON-MINORITIES. HOWEVER, SHOULD YOU CHOOSE NOT TO FURNISH IT, VIHFA IS REQUIRED TO NOTE THE RACE, ORIGIN AND SEX OF THE APPLICANT ON THE BASIS OF VISUAL OBSERVATION. APPLICANT: CO-APPLICANT: □ MALE □ FEMALE □ MALE □ FEMALE ETHNICITY: (SELECT ONLY ONE) ETHNICITY: (SELECT ONLY ONE) □ HISPANIC OR LATINO □ HISPANIC OR LATINO □ NOT HISPANIC OR LATINO □ NOT HISPANIC OR LATINO RACE: (SELECT ONE OR MORE) RACE: (SELECT ONE OR MORE) □ BLACK OR AFRICAN AMERICAN □ BLACK OR AFRICAN AMERICAN □ ASIAN/PACIFIC ISLANDER □ ASIAN/PACIFIC ISLANDER □ AMERICAN INDIAN OR ALASKA NATIVE □ AMERICAN INDIAN OR ALASKA NATIVE □ WHITE □ WHITE □ OTHER □ OTHER I/WE CERTIFY THAT THE INFORMATION PROVIDED IN THIS APPLICATION IS TRUE AND BY MY/OUR SIGNATURE(S) ON THIS APPLICATION ACKNOWLEDGE MY/OUR UNDERSTANDING THAT ANY INTENTIONAL OR NEGLIGENT MISREPRESENTATION OF THE INFORMATION IN THIS APPLICATION MAY RESULT IN THIS APPLICATION BEGIN CANCELED. FURTHERMORE, VERIFICATION OR REVERIFICATION OF ANY INFORMATION CONTAINED IN THIS APPLICATION MAY BE MADE BY THE VIHFA, ITS AGENTS, SUCCESSORS, AND ASSIGNS EITHER DIRECTLY OR THROUGH A CREDIT REPORTING AGENCY. SIGNATURE(S): APPLICANT DATE CO-APPLICANT DATE