Transcription

1

2

3

4

5

6 Union State Bank P. O. Box 518, th Street Clay Center, Kansas Phone: Fax: usbank@kansas.net List of Service Providers for Title Insurance and Settlement Services Clay County Clay County Abstract and Title Company, Inc. Republican Valley Title, Inc. No Preference date Borrower date Co-Borrower

7

8

9 Union State Bank P. O. Box 518, th Street Clay Center, Kansas Phone: Fax: usbank@kansas.net NOTICE OF AVAILABILITY OF HOMEOWNERSHIP COUNSELING Homeownership counseling is not offered by this bank. If you are a first time homeowner applicant, completion of a counseling program is required for insurance pursuant to section 203 of the National Housing Act (mortgage insurance offered through the U.S. Department of Housing and Urban Development s (HUD s) Mutual Mortgage Insurance Fund, which is administered by the Federal Housing Administration). Homeownership counseling is also required for high cost mortgage loans subject to 12 CFR and 12 CFR Homeownership counseling is available through any of the following HUD approved homeownership counseling agencies. Or if you prefer, this list and additional homeownership counseling agencies based on your location may be found at ahousing counselor. Housing counselors near you 10 CLOSEST RESULTS TO ZIP CODE The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD), and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you. This list shows you several approved agencies in your area. You can find other approved counseling agencies at the Consumer Financial Protection Bureau s (CFPB) website: consumerfinance.gov/mortgagehelp or by calling CFPB (2372). You can also access a list of nationwide HUD approved counseling intermediaries at 1. Housing and Credit Counseling Incorporated 323 Poyntz Suite 101 Manhattan, KS Website: ks.org Phone: Address: hcci@hcci ks.org Languages: English, Spanish Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Fair Housing Pre Purchase Education Workshops, Home Improvement and Rehabilitation Counseling, Services for Homeless Counseling, Non Delinquency Post Purchase Workshops, Predatory Lending Education Workshops, Pre purchase Counseling, Pre purchase Homebuyer Education Workshops, Rental Housing Counseling 32 miles 2. Consumer Credit Counseling Service, Inc. PO Box W. Walnut Salina, KS Website: Phone: Address: ryand@kscccs.org Languages: English, Spanish Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Pre purchase Counseling, Pre purchase Homebuyer Education Workshops, Rental Housing Counseling 41 miles 3. Housing and Credit Counseling, Incorporated 1195 SW Buchanan St Suite 101Topeka, KS Website: ks.org/ Phone: Address: hcci@hcci ks.org Languages: ASL, English, Spanish Mortgage Delinquency and Default Resolution Counseling, Resolving/Preventing Mortgage Delinquency Workshop, Financial Management/Budget Counseling, Financial, Budgeting and Credit Repair Workshops, Fair Housing Pre Purchase Education Workshops, Home Improvement and Rehabilitation Counseling, Services for Homeless Counseling, Non Delinquency Post Purchase Workshops, Predatory Lending Education Workshops, Pre purchase Counseling, Pre purchase Homebuyer Education Workshops, Rental Housing Counseling, Rental Housing Workshops 79.4 miles 4. Housing and Credit Counseling Incorporated 2518 Ridge Court, Ste. 207 Lawrence, KS Website: ks.org Phone: Address: hcci@hcci ks.org Languages: English, Spanish Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Fair Housing Pre Purchase Education Workshops, Home Improvement and Rehabilitation Counseling, Services for Homeless Counseling, Non Delinquency Post Purchase Workshops, Predatory Lending Education Workshops, Pre purchase Counseling, Pre purchase Homebuyer Education Workshops, Rental Housing Counseling miles

10 5. Lincoln Area Agency on Aging 1005 O St, Lincoln, NE Website: Not available Phone: Address: den.apples@gmail.com Languages: Arabic, Cambodian, English, Italian Reverse Mortgage Counseling miles 6. Neighborhoods, Inc. Dba Neighborworks Lincoln 2240 Q St. Lincoln, NE Website: Phone: Address: Not available Languages: English Fair Housing Pre Purchase Education Workshops, Home Improvement and Rehabilitation Counseling, Non Delinquency Post Purchase Workshops, Pre purchase Counseling, Pre purchase Homebuyer Education Workshops miles 7. Greenpath, Inc 5000 Central Park Dr Suite 204 C 3 Lincoln, NE Website: Phone: Address: Not available Languages: English, Spanish Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Services for Homeless Counseling, Prepurchase Counseling, Rental Housing Counseling miles 8. Urban League of Kansas 2418 E 9th St N Wichita, KS Website: Phone: Address: Not available Languages: English, Spanish Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Fair Housing Pre Purchase Education Workshops, Pre purchase Counseling, Pre purchase Homebuyer Education Workshops, Rental Housing Counseling miles 9. Consumer Credit Counseling Service, Inc. 105 S. Broadway, Suite 900 Wichita, KS Website: Phone: Address: jeffw@kscccs.org Languages: English, Spanish Mortgage Delinquency and Default Resolution Counseling, Financial Management/Budget Counseling, Pre purchase Counseling, Pre purchase Homebuyer Education Workshops, Rental Housing Counseling miles 10. Legal Aid of Western Missouri 106 S. Seventh Street Saint Joseph, MO Website: Not available Phone: Address: mrinard@lawmo.org Languages: English Not available miles

11 Union State Bank P. O. Box 518, th Street Clay Center, Kansas Phone: Fax: usbank@kansas.net In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act, or SAFE Act, Union State Bank has registered the following loan officers as Mortgage Loan Originators on the Nationwide Mortgage Licensing System and Registry. You may use their unique identifier(s) to verify their credentials by logging on to Union State Bank NMLS ID: Keith Blake: Daniel Heeren: Nathan Persinger: Brandon Lee: For questions regarding this notice, please contact Nathan Persinger at Union State Bank. Equal Housing Lender Member FDIC

12 FACTS WHAT DOES UNION STATE BANK DO WITH YOUR PERSONAL INFORMATION? Rev. 10/11 Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and credit history Overdraft history and account balances Checking account information and payment history When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Union State Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Union State Bank share? Can you limit this sharing? For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal Yes No investigations, or report to credit bureaus as permitted by law For our marketing purposes to offer our products and services to you No We don t share For joint marketing with other financial companies No We don t share For our affiliates everyday business purposes information about your transactions and experiences No We don t share For our affiliates everyday business purposes information about your creditworthiness No We don t share For nonaffiliates to market to you No We don t share Questions? Call or go to

13 Page 2 What we do How does Union State Bank protect my personal information? How does Union State Bank collect my personal information? Why can t I limit all sharing? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you Open an account or apply for a loan Make a wire transfer or pay us by check Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Nonaffiliates Joint marketing Companies related by common ownership or control. They can be financial and nonfinancial companies. Union State Bank does not share with our affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Union State Bank does not share with nonaffiliates so they can market to you A formal agreement between nonaffiliated companies that together market financial products or services to you. Union State Bank doesn t jointly market