Terms & Conditions
(“Home Ownership Program Agreement”)
This agreement is between SCI, LLC (doing business as Home Sweet Home, hereinafter referred to as “HSH”) with the mailing address of:
8224 Manchester Rd. Suite 102, St. Louis, MO 63144
and
(“client”).
In consideration of client remitting an initial payment of $500 and upon submission of the Sign Up online form from the www.HomeSweetHome500.com website, the client shall become enrolled in the Home Ownership Program.
Amount of Payments to Be Made By Client, Processing of Payments: It is the policy of Home Sweet Home not to process any payment PRIOR to: (1) expiration of the 3 (Three) Business Day Right to Cancel period; (2) HSH’s performance of any service which is completed in full. Client shall pay $500 (Five Hundred Dollars) initial payment for the 1st (first) month plus consecutive payments of $9.95 per month - on or around - the anniversary date of client signing this agreement for as long as needed to complete the program. The client has the option to continue making payments of $9.95 per month for ongoing financial advisory support and client may cancel at any time by submitting written notice or by sending an email to steve@homesweethome500.com. Time frame may vary with different states’ statutes and HSH shall comply with said time limit mandate for work to be completed according to clients' state of residency laws.
Timeline, Description of Work to Be Provided to Client: Prior to receiving payment from client, HSH personnel shall provide general financial advice and necessary paperwork to coordinate with the client the “necessary groundwork” in Month 1 (one). In Month 2 (two) or sooner prior to receiving payment from client, HSH personnel shall provide a comprehensive Home Ownership Program Review and Analysis Report which shall detail both paperwork and advice required to help the client start credit and financial recovery. In Month 3 (three) or sooner prior to receiving payment from client, HSH shall provide the client a Home Ownership Program Stage 2 Report which shall detail and contain - if necessary - additional paperwork and advice required to help the client further resolve and address both credit and financial concerns prior to applying for home loan financing. Once loan-ready client shall also receive a Home Ownership Program: Getting Your Home Report which shall detail any other credit and financial concerns to be addressed prior to home loan application. In Months 4+ (if needed), prior to receiving payment from client, the client shall receive a Home Ownership Program Special Report which shall detail special advice and paperwork necessary to resolve any other outstanding credit or financial issues which may need to be addressed. The client has the option to continue with the program for ongoing financial advisory support and client may cancel at any time.
Payment and Work Status. So long as the client makes payments on a punctual basis, HSH staff shall resume work on the client’s file. However, if payments stop (temporarily or permanently) HSH shall halt all work on the client’s case file until such time client has brought payments current and/or has paid the HSH agreed upon rate in full.
HSH Duties Enumerated. The duties of Home Sweet Home (with the aid and assistance of client) shall be as follows:
INITIAL Performance Provided Prior to Receiving Payment. Client shall receive a detailed initial email correspondence which shall include some generic, but powerful advice and strategies for client to implement immediately and some basic third party correspondence.
Financial, Credit Advice. HSH representatives shall advise client on how to clear inaccurate and obsolete information from all 3 major credit reports. Additionally, HSH shall explain to client how to resolve accurate derogatory information and how to take the right steps to rectify the reporting of said information. If assistance is needed in special cases, HSH shall advise client financially on completing any other special paperwork required to address special issues such as identity theft or forgery. General financial advice shall also be rendered in cases where needed on various financial topics.
Assistance with Re-establishing or Rebalancing Credit. HSH shall assist and advise client with attaining secured credit cards WHICH MUST BE PAID ON-TIME. Client is solely responsible to fund the security deposit of any card selected which requires a security deposit to be made. In terms of credit use ratios, client is advised to avoid carrying balances greater than 30% of the credit line (which is key to maintaining optimal credit scores). Overall debt-to-Income ratio shall also be discussed - and if not in line with loan officer requirements, a pay-down rebalancing may be required. Note: Many lenders require active tradelines at least 12 months reporting no lates.
Loan Officer and Real Estate Agent Appointment. Clients may secure the aid of a loan officer and real estate agent for the purposes of preparing for loan qualification and for locating affordable housing. HSH may make a recommendation as to the real estate agent and loan officer the client may choose to patronize. Loan officer duties should be centered on advising Client how to best qualify for a specific type of loan that best fits the needs and limitations of the client. Real estate agent duties should include consultation on finding and making offers on properties; and the best way to address various issues associated with securing a property under contract. HSH shall insist the client's loan officer or real estate agent must agree and be able to work in concert with HSH regarding the workings of the Home Ownership Program. HSH reserves the right to approve or disapprove of the use of any loan officer or real estate agent the client selects for any reason. HSH shall be responsible for selecting a loan officer or real estate agent for client - located in the client’s area or state or residency unless client prefers to use another loan officer or real estate agent (provided said loan officer or real estate agent is approved by HSH).
Clients to Receive Housing Information, Advice. Clients shall receive information useful for obtaining housing - especially with regard to down payment planning and strategizing; standard practices in rental or sale of residential property and any other information pursuant or related thereto.
Housing Search Advice and Timing in Relation to Home Ownership Program. HSH shall advise client when to commence with a home search at the time of loan-ready status in conference with client’s loan officer or real estate agent.
Rental, Down Payment, Grants or Charities Advice. If a rent-to-own home is able to be located and placed under contract by client, HSH shall advise client's agent to incorporate a portion of the rent payment (called “rent credit”) to be applied toward purchasing the home as a method to help finance the down payment. Additionally, move-in costs for such rental may be able to also be applied as down payment funds to help assist in funding any contractually required down payment. Additionally, client is solely responsible for providing all down payment or move-in costs for any property chosen. Client is also encouraged to read the down payment/rental assistance materials provided as well as the fundraising techniques suggested therein.
On-Time Credit Reporting and Housing Bill Payment Disclosure. ALL CREDIT AND HOUSING PAYMENTS MUST BE MADE ON TIME FOR 12-24 CONSECUTIVE MONTHS WITHOUT EXCEPTION. OTHERWISE, THE TIME FRAME FOR LOAN QUALIFICATION COULD RESTART THE 12-24 MONTH TIME PERIOD NEEDED TO LOAN-QUALIFY. CLIENTS WHO HAVE BEEN EVICTED (DURING OR PRIOR TO THIS PROCESS) MAY NOT QUALIFY FOR ANY TYPE OF RENTAL OR FINANCING UNDER THIS PROGRAM UNTIL SUCH TIME AS MAY BE ACCEPTABLE TO A LANDLORD AND/OR LENDER. CERTAIN EXCEPTIONS MAY APPLY.
Guarantee of Performance Policy with Regard to Credit. Home Sweet Home shall guarantee following single or combination of improvements with to a client’s credit report: (1) The correction or deletion of outdated, or incorrect personal information (such as names; addresses; phone numbers; employers; and/or 100 (one hundred)-word statements); (2) correctly updating inaccurate accounts with favorable account information (such as lower balances; on-time payment history); (3) deletion of obsolete or inaccurate derogatory information from any - or certain number - of accounts; deletion of inaccurate or obsolete public records; (4) adding the on-time payments to any account to improve it’s payment history; (5) resolving matters of identity theft reporting on client’s credit report; (6) and disputing inquiries for credit wherein client’s consent authorization was not given nor made aware at such time inquiry was made.
Estimate of Date by Which Performance of Services Being Completed / Length of Time Necessary to Perform Such Services. The completion of these services shall be completed within one year of the anniversary of client signing this agreement or in compliance with client’s state of residency.
Client Time Frame to Obtain Housing Disclosure. HSH makes no guarantee whatsoever on any time frames in regards to client’s timeline in order to obtain housing. The ultimate decision to allow a lease or approve a mortgage loan shall solely be determined by the landlord or property manager of said property or by the loan officer and/or the underwriter for deciding to issue financing. Furthermore, the timeline to locate available housing shall be a housing market consideration regarding the availability of residential housing within the scope of a regional, statewide, county, city, and/or neighborhood availability in terms of housing supply.
House Listings. A designated real estate agent may be appointed - or retained by client. And, at the agent's sole discretion regarding timing, the agent may send client house listings to client on a regularly recurring basis as deemed necessary in terms of duration and frequency.
Required Communication. It is critically important the client returns all messages (emails & phone) to HSH, their assigned loan officer, and real estate agent in as timely a manner as possible. Failure to return messages may disqualify client from receiving any further assistance with regard to the Home Ownership Program and/or finding housing prior to getting home loan financing. Check SPAM folder periodically, or add company email to contact list.
Non-Defamation. Each party hereto hereby undertakes not to cause any harm to the other party’s reputation in the market and not to make, whether directly or indirectly (including through any of its affiliates, officers, employees or directors), any negative or disparaging remarks about such party or any of its affiliates, officers, employees, directors (in each case, in their capacities as such), products, services or business practices.
Possible Outstanding Incidental Costs to Client Disclosure. Sometimes, clients may need to retain an attorney at law for legal advice and/or representation. Additionally, money to make settlements on accounts (with additional consideration), and money to pay down certain credit reporting accounts with higher balances.
Prohibited Practices Disclosure. HSH personnel are strictly prohibited from engaging in any type of deceptive advertising, business practices or guaranteeing the removal of derogatory credit information reporting to client’s credit report. Furthermore, HSH staff may not, under any circumstance advise, induce, lead, instruct or assist client in creating a new, alternative credit file in client’s name - as doing so constitutes credit fraud. Finally, HSH shall never make any statement, or counsel or advise any consumer to make any statement which is untrue or misleading (or which, upon the exercise of reasonable care, should be known by HSH personnel to be untrue or misleading) with respect to any consumer’s credit worthiness, credit standing, or credit capacity to any credit reporting agency or any person (who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. Also, HSH strictly prohibits HSH personnel not to make any statement, or counsel or advise any consumer to make any statement, the intended effect of which is to alter the consumers identification to prevent the display of the consumer’s credit record, history or rating for the purpose of concealing adverse information that is accurate and not obsolete to any credit reporting agency or any person (who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. Additionally, HSH personnel shall be refraining from making any untrue or misleading representations about the services HSH provides. HSH personnel is refrained - and strongly insist client - to refrain from engaging, directly or indirectly in any act, practice, or course of business that constitutes or results in the commission of, or in an attempt to commit, a fraud or deception on any person in connection with the offer or sale or the services of HSH.
Right of Reservation to Service Client. HSH reserves the sole right not to provide services, and to decline payment from any client for any reason. Such reasons may be (but are not limited to): client’s lack of income; client expectations or demands are excessive or unreasonable; the client is requesting HSH personnel to provide services to said client in such a manner the request is not congruent or compatible with HSH policies, standards, or mission.
Debit, Credit Card Payments. Client shall agree not reverse any debit or credit card charges made to Home Sweet Home. Client also affirms that Home Sweet Home staff does not work free of charge. Once client has remitted payment, the payment(s) made via debit or credit card said payments are no longer reversible pursuant to Home Sweet Home’s Money Back Guarantee and Cancellation Policy and Binding Arbitration clause contained herein. In the event a dispute which arises between client and Home Sweet Home, said dispute must be submitted to binding arbitration for final resolution. If, at such time, arbitration rules in client's favor (and client is due any money from HSH as a result of a binding decision of arbitration) then HSH shall be required to remit payment directly to client in a mutually agreed upon method of payment and/or delivery pursuant to said binding decision of arbitration. Permissible methods of refund payment by HSH to client under this section are: money order; bank check; wire transfer; Western Union; or MoneyGram.
Refund-Money Back Guarantee Policy. HSH offers a Refund-Money Back Guarantee in the event where no improvement in credit has occurred with regard to the client’s credit after a 6 (six) month period from time date of enrollment for the Home Ownership Program. “Improvement” is defined as (1) The correction or deletion of outdated, or incorrect personal information (such as names; addresses; phone numbers; employers; and/or 100 (one hundred)-word statements); (2) correctly updating inaccurate accounts with favorable account information (such as lower balances; on-time payment history); (3) deletion of obsolete or inaccurate derogatory information from any - or certain number - of accounts; deletion of inaccurate or obsolete public records; (4) adding the on-time payments to any account to improve it’s payment history; (5) resolving matters of identity theft reporting on client’s credit report; (6) and disputing inquiries for credit wherein client’s consent authorization was not given nor made aware at such time inquiry was made. Additionally, if Home Sweet Home has rendered other financial advice, education, and guidance to client regarding specific financial matters, then it shall be deemed by client that HSH has earned it’s payment. Derogatory information added to client’s credit report (after the client has enrolled and remitted payment for the Home Ownership Program) is the responsibility of client and is not an eligible reason for a refund. Also, if client does not follow instructions, provides timely communication responses to HSH personnel, or fails to reply to HSH staff communications then client shall not be eligible for a refund. Home Sweet Home Refund Policy strictly adheres to state laws wherein client resides.
Binding Arbitration. Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The number of arbitrators shall be one. The place of arbitration shall be Saint Louis, Missouri. Missouri law shall apply. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
Time Is of the Essence. Client must perform all tasks mandated by all interested parties (especially those required by a lender) by such time as is expected under the provisions of the Home Ownership Program. The Home Ownership Program services lasts until the next anniversary date of client's enrollment.
Severability. If any portion of this contract shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If a court finds that any provision of this contract is invalid or unenforceable, but that by limiting such provision it would become valid and enforceable, then such provision shall be deemed to be written, construed and enforced as so limited.
Binding Effect. The covenants and conditions herein contained shall apply to and bind the heirs, legal representatives, and assigns of the parties hereto, and all covenants are to be construed as conditions of this agreement.
Governing Law. This agreement shall be governed by the laws of the state of Missouri.
CANCELLATION NOTICE: YOU, MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT OF THE 3RD (THIRD) BUSINESS DAY AFTER THE DATE ON WHICH YOU SIGNED THE CONTRACT. PLEASE SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR EXPLANATION OF THIS RIGHT.
CLIENT SIGNATURE: __________________________________ DATE: __________
MANAGEMENT SIGNATURE FOR HSH: __________________________________ DATE: __________
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NOTICE OF CANCELLATION - TO BE SENT TO HOME SWEET HOME
YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN 3 (THREE) DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN 10 DAYS AFTER THE DATE OF RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED DATED COPY OF THIS CANCELLATION NOTICE, OR OTHER WRITTEN NOTICE TO:
HOME SWEET HOME
ATTENTION: CANCELLATION DEPARTMENT
8224 MANCHESTER ROAD
BRENTWOOD, MO 63144
NOT LATER THAN MIDNIGHT OF ____/____/____ .
I HEREBY CANCEL THIS TRANSACTION:
BUYER’S SIGNATURE: _____________________________________ DATE: _______________
BUYER’S PRINTED NAME: __________________________________
-------------------------------✂-------------------------------✂-------------------------------✂-------------------------------
NOTICE OF CANCELLATION - CLIENT COPY FOR CLIENT’S RECORDS
YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN 3 (THREE) DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN 10 DAYS AFTER THE DATE OF RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE. TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED DATED COPY OF THIS CANCELLATION NOTICE, OR OTHER WRITTEN NOTICE TO:
HOME SWEET HOME
ATTENTION: CANCELLATION DEPARTMENT
8224 MANCHESTER ROAD
BRENTWOOD, MO 63144
NOT LATER THAN MIDNIGHT OF ____/____/____ .
I HEREBY CANCEL THIS TRANSACTION:
BUYER’S SIGNATURE: _____________________________________ DATE: _______________
BUYER’S PRINTED NAME: __________________________________
Rev: 02/27/21
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