NOTICE OF ACTION TAKEN AND STATEMENT OF REASONS
HABITAT FOR HUMANITY OF MERCED COUNTY
P. O. Box 423
Atwater, CA 95301-0423
(209) 358-7280
[Datel
[Name of Applicant]
[Address]
[City, State, Zip Code]
Dear [Name of Applicant],
Thank you for applying to us for a Habitat home. After carefully reviewing your application, we are sorry to advise you that we cannot approve your application at this time, for the following reason(s):
Lack of need for adequate shelter, due to:
___you have sufficient income to obtain conventional or government assisted financing.
___you currently are living in adequate housing.
Lack of ability to pay for a Habitat home, due to:
___your income is below our minimum requirement.
___you have too much debt to pay for a Habitat house.
___your credit history of making payments on time was not satisfactory.
___you could not meet the requirements to make a down payment and pay closing costs.
Lack of willingness to partner, in:
___you did not complete the application within the specified time.
___ you indicated an unwillingness to make the required down payment.
___ you indicated an unwillingness to comply with Habitat’s program of sweat equity.
The consumer reporting agency contacted that provided information that influenced our decision in whole or in part was [name, address and telephone number of the reporting agency]. The reporting agency is unable to supply specific reasons why we have denial your application. You do, however, have a right under the Fair
Credit Reporting Act to know the information contained in your credit file. Any questions regarding such information should be directed to [consumer reporting agency].
If you have any questions regarding this letter, you should contact us at:
HABITAT FOR HUMANITY OF MERCED COUNTY
P. O. Box 423
Atwater, CA 95301-0423
(209) 358-7280
Sincerely,
[Name]
[Title]
NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, DC 20580.