Housing Counseling
Recent economic downturn
has compounded the effect of the mortgage finance meltdown resulting
in record-breaking Foreclosure starts and bankruptcy filings.
This alarming trend highlights the need for increased financial literacy
on a variety of homeownership topics. Consumer Education Services Inc.
(CESI) provides comprehensive housing counseling services to prospective
buyers and current homeowners. Our mission is to facilitate
personal economic empowerment and community stability through homeownership.
Our counselors are professionally trained and certified to provide education,
guidance and advocacy related to achieving or maintaining homeownership.
Our service offerings include:
Pre-purchase Counseling
Counselors help you understand the Home Buying process and prepare you for the responsibilities of homeownership.
Counselors will also assist with developing and implementing a personal
plan to overcome obstacles commonly faced in the buying process such
as credit issues and down payment requirements.
Foreclosure Prevention
These seminars educate clients on recognizing
and avoiding predatory lending, on early warnings and interventions
for mortgage delinquency, on the foreclosure process, and on alternatives
to foreclosure.
Mortgage Default Counseling
Counselors assist clients who are delinquent
or expect to fall behind on their mortgage payments with assessing their
current and ongoing financial picture and with developing a personal
action plan to resolve the issue in a timely manner. Services include
Workout Submissions, Loss Mitigation case management, and Crisis referrals.
Reverse Mortgage Counseling
Senior citizens aged 62 years and above can convert part of their home equity into cash income through reverse mortgages in order to take care of certain expenses. We can help you determine if reverse mortgage
Seeking professional assistance from will enable you to arrive at a realistic and achievable agreement with your lender.