Established in 1969, PathStone is a private, not-for-profit community development and human service organization providing services to farmworkers, families, and communities throughout New York, Pennsylvania, New Jersey, Ohio, Indiana and Puerto Rico. LAKE ONTARIO HOMEOWNER RECOVERY FUND Overview NYS Homes and Community Renewal has made available up to $15 million in Affordable Homeownership Development Program Funds to support homeowners that have been affected by the severe flooding along Lake Ontario and the St. Lawrence River. The program seeks to offer recovery assistance for which insurance or other disaster recovery assistance is either not available or sufficient, providing up to $50,000 for homeowners to support interior and exterior repairs to structural damage caused by flooding, as well as the repair or replacement of permanent fixtures. The program will be administered through participating not-for profit housing organizations. For complete guidelines go to: www.nyshcr.org or http://www.nyshcr.org/Programs/NYS-Flood/LakeOntario-StLawrenceSeaway-FloodRelief- RecoveryGrant-Program.pdf Eligible Activities Funds will reimburse homeowners for interior and/or exterior repairs to structural damage caused by the floods, and other related costs, as well as for the repair and/or replacement of permanent fixtures. Eligible activities include but are not limited to the repair or replacement of foundations, septics, electrical systems, mechanicals, insulation, and drywall. Eligible Recipients In order to be eligible to receive assistance, property owners must have occupied the property as their primary residence at the time of the flood. Second homes are eligible for assistance provided the total annual income of the occupants is less than $275,000. If you believe you are eligible for assistance based on the information above, please complete the following application information and return to: The Housing Council at PathStone 75 College Ave., 4 th Floor Rochester, NY 14607 Email: [email protected]Fax: 585-546-2946 Phone: 585-546-3700
Overview NYS Homes and Community Renewal has made available up to $15 million in Affordable Homeownership Development Program Funds to support homeowners that have been affected by the severe flooding along Lake Ontario and the St. Lawrence River. The program seeks to offer recovery assistance for which insurance or other disaster recovery assistance is either not available or sufficient, providing up to $50,000 for homeowners to support interior and exterior repairs to structural damage caused by flooding, as well as the repair or replacement of permanent fixtures.
The program will be administered through participating not-for profit housing organizations. For complete guidelines go to: www.nyshcr.org orhttp://www.nyshcr.org/Programs/NYS-Flood/LakeOntario-StLawrenceSeaway-FloodRelief-RecoveryGrant-Program.pdf
Eligible Activities Funds will reimburse homeowners for interior and/or exterior repairs to structural damage caused by the floods, and other related costs, as well as for the repair and/or replacement of permanent fixtures. Eligible activities include but are not limited to the repair or replacement of foundations, septics, electrical systems, mechanicals, insulation, and drywall.
Eligible Recipients In order to be eligible to receive assistance, property owners must have occupied the property as their primary residence at the time of the flood.
Second homes are eligible for assistance provided the total annual income of the occupants is less than $275,000.
If you believe you are eligible for assistance based on the information above, please complete the following application information and return to:
The Housing Council at PathStone 75 College Ave., 4th Floor Rochester, NY 14607 Email: [email protected] Fax: 585-546-2946 Phone: 585-546-3700
The Housing Council at PathStone 75 College Ave., 4th Floor Rochester, NY 14607 585-546-3700 www.thehousingcouncil.org
Lake Ontario Flood Relief Home Repair Program Application Checklist
The following documentation must be submitted in order for us to process your request. (Please do not send originals):
Completed and signed application form.
Signed PathStone Privacy Policy.
Proof of identity – a copy of the social security cards for all household members (black out the first five digits of the social security number) and a copy of driver’s license or other photo ID with date of birth listed for Applicant and Co-Applicant.
A copy of your Federal Income Tax Return. Black out the first five digits of your social security number(s). (Required if this is a second home, only).
Proof of all income- For all household members 18 years and older: copies of any or all of the following as applicable: your last four consecutive pay stubs, proof of child support, proof of alimony, worker’s compensation, veteran’s benefits, current Social Security (SSA, SSI, and/or SSD) letters, interest income statements, etc. (Required if this is a second home, only)
Proof of Ownership- recorded deed; there must also be a quitclaim deed if parties to original deed no longer reside at residence.
Statement showing mortgage is paid to date or statement that your home is paid in full.
2017 flooding.Applications must be submitted with all required documentation attached or else a delay may occur. We will not process incomplete applications. Applications will be pre-screened based on property eligibility, income, assets and repair needs. After this initial prescreening, all applicants will be treated on a first ready, first served basis. Applications and supporting documents may be submitted via email (in PDF format), US Mail, fax or hand delivered:
The Housing Council at PathStone 75 College Ave., 4th Floor Rochester, NY 14607 Email: [email protected] Fax: 585-546-2946 Phone: 585-546-3700
Evidence of current homeowners insurance - documentation that damage is not covered by existing insurance policy or policies.
Copy of most recent paid property and school tax bills.
Contractor estimates for the needed work (if you have received estimates - not required for a complete application)
Date stamped photos or other documentation that the damage to the property is a result of the
3. Is your household income above $275,000? Yes No
4. List all sources of household income, including employment and self-employment income,unemployment benefits, Workers Comp, public assistance, child support or alimony, SSI, SSD, VA,pension, payments from annuities, trust funds or retirement accounts, interest and dividend incomeand any other source of income. (Required if this is a second home, only):
The Housing Council at PathStone 75 College Ave., 4th Floor Rochester, NY 14607 585-546-3700 www.thehousingcouncil.org
7. Are mortgage payments current on the residence? Yes No Not applicable (no mortgage)
8. Do you have current property insurance? Yes No
9. Is damaged property your primary residence? Yes No
10. Was home repair assistance from any government source (such as FEMA) received or declined?
Yes No
11. I have damage to: (check all that apply):
☐My home☐Attached structures☐Water supply system☐Sanitary system☐Shoreline damage related to flooding
Optional Information: Is applicant an active member of the military? ☐Yes ☐No or a Veteran? ☐Yes ☐No Highest level of education: _____________________________ Applicant Race: _________________ Hispanic ☐Yes ☐No Marital Status: __________________________ *************************************************** Please read this section carefully:
1. I/We hereby certify that I am the owner and occupant of the property to be improved.2. I/We certify that the information provided in this application is true and correct to the best of my
knowledge and contains no willful misrepresentation.3. I/We understand that false statement or information are grounds for termination of assistance and
collection of monies previously spent on the house and property.4. I/We understand that I/We may be required to sign a release of information form to verify income
and asset information for this program.5. I/We agree to cooperate with PathStone and Public Officials with all required procedures.6. All Grants are under the supervision of PathStone and Affiliates. All grant requirements must be
met or the gran will be withdrawn and I/We will be financially responsible for the balance of theunpaid contract.
7. I/We hereby given permission to PathStone to use any photograph and/or material relation to therepairs made on my home. I also agree to local or state inspections, as required.
Signature of Applicant: _________________________________ Date: ______________________
Signature of Co-Applicant: ______________________________ Date: ______________________
Exhibit 18
01-2014
PRIVACY POLICY
PathStone values your trust and is committed to the responsible management, use and protection of personal information. This notice describes our policy regarding the collection and disclosure of personal information.
It is PathStone’s policy not to provide any personal information about you to any bank, Credit Card Company, insurance companies or other financial institution without your written permission. PathStone does provide our Funders with statistical/demographic information regarding the families participating in any of the PathStone Programs. The information provided to Funders is for monitoring purposes only to ensure that PathStone is in compliance with all state and federal regulations governing non-profits. Your Social Security number or any other sensitive information about you is never released to any organization without your written consent. PathStone will use personal information such as your name and address internally for sending out correspondence such as the PathStone quarterly newsletter, Building Blocks, invitations to special events or to notify you about upcoming workshops.
Personal information, as used in this notice, means information that identifies an individual personally and is not otherwise publicly available information. It includes personal financial information such as credit history, income, employment history, financial assets, bank account information, and financial debts. It also includes your social security number and the information that you have provided us on any Intake Form, applications or forms you have completed.
Information We Collect PathStone collects personal information to support our Housing Programs, Economic Development, Employment and Training Services, Section Eight Programs, Health and Safety, and any other PathStone related services. We collect personal information about you from the following sources: x Information we receive from you on any initial intake form or application,x Information about your transactions with us, our affiliates or others,x Information we receive from a consumer reporting agency, andx Information that we receive from personal and employment references.
Information We Disclose PathStone may disclose these kinds of personal information about you: x Information we receive from you such as your name, address, social security number, employer, occupation,
assets, debts and income, etc;x Information about your transaction with us, our affiliates or others, such as your account balance, payment
history, and parties to your transactions, andx Information we receive from a consumer-reporting agency, such as your credit bureau reports, your credit
history and your credit worthiness.
To Whom Do We Disclose PathStone may disclose your personal information to the following types of unaffiliated third parties: x Financial service providers, such as companies engaged in providing home mortgage loans,x Others, such as nonprofit organizations involved in community development, but only for the purpose of
program review, auditing, research and oversight purposes.
Exhibit 18
01-2014
Confidentiality and SecurityPathStone restricts access to personal information about you to those of our employees who need to know that information to provide products and services to you and to help them do their jobs, including underwriting and service of loans, making loan decisions, aiding you in obtaining loans from others, financial counseling and grant approval. We maintain physical and electronic security procedures to safeguard the confidentiality and integrity of personal information in our possession and to guard against unauthorized access. We use locked files and user authentication software to protect your information.
Directing Us Not to Make Disclosures to Unaffiliated Third PartiesNo action is required by you at this time if you wish to permit information sharing as described above. If you prefer that we not disclose personal information about you to any organization, you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosure permitted by law) by notifying PathStone in writing to exclude all personal information about you.
Your written statement instructing PathStone not to share personal information about you must include your full name(s), current address and social security number. Please allow approximately 30 days from our receipt of your signed statement for it to become effective. Your privacy instructions and any previous privacy instructions will remain in effect until you request a change. Send your letter to:
STOP! For new Homeowners, Rehab/Energy Services Grant and/or loan recipients, Please read belowdisclosure carefully:
PathStone shares information with politicians (Senators, Congressperson, State Senator, State Assembly, etc) in order to keep them informed of the number of families PathStone has assisted in achieving the dream of homeownership or make improvements to their existing homes. PathStone also reports the impact homeownership or other related services makes on the community as a result of homeownership or home improvement and the state and/or federal dollars used to assist with closing cost, down payment, rehab, weatherization or energy services. We share this information to show the effect that state and federal funding helps families like yours acquire assets and improve the quality of life in the community as well as boost the economy. The information we may disclose is your new property address and name. As a result you may receive other correspondence from your area representatives in congress, the Senate, the State Senate and Assembly, etc welcoming you to homeownership or as a recipient of other related services. PathStone will not disclose your Social Security number, salary, place of employment or any other personal financial information to elected officials.
If you do not want this information shared with any politician it is important that you follow the instructions above and notify PathStone in writing that you do not want your information shared.
I further acknowledge and agree that PathStone may share information with and disclose to, orally and/or in writing, the identified parties within this document.
I, ________________________________________, in the Stateof ________________________, Countyof _________________________, residing at ________________________________________________,state that the information I have given on the Lake Ontario Flood Relief HomeRepair ProgramApplication including but not limited to household size, income,andassetinformationistrue.Underpenaltyofperjury,Icertifythattothebestofmyknowledgetheafore-mentionstatementistrue.
