Conflict of Interest Disclosure
Disclosure Statements
No Obligation to Utilize Services
Fair Housing Advocates of Northern California (FHANC) provides the following services: mortgage default and delinquency counseling and education, including foreclosure prevention and loan modification counseling; rental housing counseling and education; pre-purchase education and counseling; and fair housing counseling and education.
The counseling services, including foreclosure prevention, loan modification, prepurchase and rental housing counseling offered by FHANC, its affiliates, directors, employees, partners, or volunteers, may also be offered by other providers. You are under no obligation to utilize any services, including housing counseling, from FHANC.
Conflicts of Interest
FHANC strives to avoid real and/or apparent conflicts of interest. FHANC does not have a financial interest in, or receive compensation for, referrals to or from other businesses, including lenders, brokers, realtors, appraisers, builders, or sales agents. FHANC prohibits the solicitation and/or acceptance of gifts or gratuities for personal benefit by employees, directors, Board members, contractors, and volunteers.
As a HUD-approved Housing Counseling Agency, FHANC is required to fully disclose any and all actual or potential conflicts of interest:
Privacy and Confidentiality
FHANC staff will maintain client confidentiality, including ensuring that client files are securely stored. FHANC collects and stores personal information from clients and reports on the number, type, and resolution of all of housing counseling cases to its grant funders, including the U.S. Department of Housing and Urban Development (HUD). However, FHANC will not disclose your personal information to any third parties, other than as required by grant funders or as permitted by law, without your express authorization.
No Obligation to Utilize Services
Fair Housing Advocates of Northern California (FHANC) provides the following services: mortgage default and delinquency counseling and education, including foreclosure prevention and loan modification counseling; rental housing counseling and education; pre-purchase education and counseling; and fair housing counseling and education.
The counseling services, including foreclosure prevention, loan modification, prepurchase and rental housing counseling offered by FHANC, its affiliates, directors, employees, partners, or volunteers, may also be offered by other providers. You are under no obligation to utilize any services, including housing counseling, from FHANC.
Conflicts of Interest
FHANC strives to avoid real and/or apparent conflicts of interest. FHANC does not have a financial interest in, or receive compensation for, referrals to or from other businesses, including lenders, brokers, realtors, appraisers, builders, or sales agents. FHANC prohibits the solicitation and/or acceptance of gifts or gratuities for personal benefit by employees, directors, Board members, contractors, and volunteers.
As a HUD-approved Housing Counseling Agency, FHANC is required to fully disclose any and all actual or potential conflicts of interest:
- FHANC may receive financial support in the form of competitive grants and/or donations for its Foreclosure Prevention or Pre-purchase programs from lending institutions.
- The President and/or members of FHANC’s Board of Directors may be employed by the financial services industry and/or lending institutions.
Privacy and Confidentiality
FHANC staff will maintain client confidentiality, including ensuring that client files are securely stored. FHANC collects and stores personal information from clients and reports on the number, type, and resolution of all of housing counseling cases to its grant funders, including the U.S. Department of Housing and Urban Development (HUD). However, FHANC will not disclose your personal information to any third parties, other than as required by grant funders or as permitted by law, without your express authorization.
