Privacy and Security

• Create Long Passphrases
  A strong passphrase is long and easy to remember. Misspell a word and use a number and a symbol for extra strength (Example: ILoveAllDogsThat4$Berk).
• Contact KHC Directly
  Always verify any claims or requests with KHC using the contact information listed on your payment coupon.
• Read Before You Sign
  Do not sign or record documents that you do not fully understand. Fraudulent filings can cloud your property title and create costly legal issues.
• Remain Cautious
  Be wary of promises that sound too good to be true. No private individual or group can erase a valid mortgage obligation.
• Stay on Guard
  Scammers are sophisticated and use fake websites, AI, and elaborate letters to trick you. They can disguise email addresses and phone numbers to look legitimate.
• Report Scams Immediately
  If you believe you have been targeted by a fraudulent mortgage scheme, notify KHC and contact:
  • The Kentucky Attorney General’s Office at https://ag.ky.gov
  • The Federal Trade Commission (FTC) at https://reportfraud.ftc.gov
  • The Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov/complaint/ 

• “Free” Money
  Be cautious of any offer to make payments for you in exchange for a partial reimbursement, or escrow checks that require you to send funds back. These are scams to get your banking information.
• Incorrect Company Information
  Watch for phone numbers that are not toll-free (we never provide personal cell numbers) or email addresses that do not end in @kyhousing.org. 
• Unconventional Payment Requests
  We will never ask you to make payments using barcodes at retail stores, prepaid debit/gift cards, or wires to an individual. We will never advise you to start making payments to any third party instead of us for any reason.
• Up-front Fees
  We never charge fees for applying for or approving a loan modification. 
• Missing Payments
  If you are making payments to a third party for a "trial agreement" and we have no record of them, contact us immediately. 
• Full Social Security Number
  We will never list your full Social Security Number in communications. 

• Aggressive Tone and Pressure
  Be wary of communications with a false sense of urgency, threats of immediate foreclosure, or pressure to make commitments you don’t understand. Be especially careful if you’re pressured to sign over your deed or sign any paperwork you haven’t had a chance to fully review and ask questions about.
•  Publishing Private Information
  We never send mail with your loan information printed on the outside or post cards.
• Suspicious Modification Agreements
  Be cautious of agreements from the “Underwriting Department” (ours is called Loss Mitigation) or offers with extremely low interest rates, well below industry standards. Be suspicious of any loan modification agreement that was not received from KHC or those with the phrases “government approved” or “official government” in descriptions of loan modification offers.
• “Government Approved” Language
  Government agencies like HUD and Fannie Mae will never contact you directly to offer a loan modification. 

Be cautious of anyone who:

• Claims your mortgage or loan documents are invalid or “illegal.”
• Tells you that you do not have to make mortgage payments.
• Offers to “eliminate” or “cancel” your mortgage through special filings.
• References “sovereign citizen,” “UCC,” or “common law” arguments.

Following this advice can result in the loss of your home and damage to your credit. If you are approached by someone making these claims, report them immediately.

Why?
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.

What?
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 mortgage rates and payment
• Account balances and assets
• Credit history and property value 

When you are no longer our customer, we continue to share your information as described in this notice.

How?
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 KHC chooses to share; and whether you can limit this sharing.

Questions? Call 800-341-5622 or contact us. 

Kentucky Housing Corporation (KHC). 

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 limit access to your information to those staff members that have a valid reason for viewing your records. 

We collect your personal information, for example, when you:

• Apply for a loan or pay us by check
• Give us your income information or provide employment information
• Give us your contact information

We also collect your 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. 

• Affiliates
  Companies related by common ownership or control. (Kentucky Housing Corporation has no affiliates.)
• Non-Affiliates
  Companies not related by common ownership or control. (KHC does not share with non-affiliates so they can market to you.)
• Joint Marketing
  A formal agreement between nonaffiliated financial companies that together market financial products or services to you. (KHC doesn't jointly market.)