Quality & Innovative Services



CHES, Inc. is a HUD Certified, 501(c)(3) nonprofit, housing counseling, financial empowerment organization, based on the belief that our clients’ needs are of the utmost importance. Our entire team is committed to meeting those needs.

As a result, a high percentage of our business is from repeat customers and referrals.

Our Homeownership Advisers have received NCHEC/NFMC Certification and worked extensively in helping shape policies and procedures that are an industry standard today.

We welcome the opportunity to earn your trust and deliver the best service in the industry.

Choose From The Many Great Services CHES Provides

CHES SERVICES Home Buying & Home Ownership Programs

Home Buying & Home Ownership Programs

CHES, Inc. is an approved adopter of The National Industry Standards for Home Ownership Education & Counseling which holds us to the highest standards of excellence, and insures that you will receive the most up-to-date information available.

CHES SERVICES - Forcloser Prevention

Foreclosure Prevention

Your home is your largest single investment, when events happen that threaten your investment you need Experienced, Certified Loss Mitigation, Foreclosure Prevention Specialists on your side.

CHES SERVICES Reverse Morgage

Reverse Mortgage Counseling

CHES, Inc. is approved by HUD (Department of Housing & Urban Development) to offer the FHA (Federal Housing Administration) required phone and in-person counseling for those seeking to apply for a Reverse Mortgage (HECM).

If you are 62 years or older and have low or no outstanding mortgage debt, contact a professional reverse mortgage counselor to learn more about this potential financial resource.

CHES SERVICES - Financial & Credit Programs

FHA Back to Work

Under the new federal program called “Back to Work – Extenuating Circumstances”, if you have had a foreclosure, short sale, deed-in-lieu of foreclosure, or have declared bankruptcy you may qualify for a new home loan if you are back to work and can document the extenuating circumstances.

We’re here to help you complete the program qualifications.

CHES SERVICES Properties For Sale

Properties For Sale

CHES, Inc. is actively engaged in Community Development, including the support, promotion and development of Affordable Housing.

Below are available properties that meet or exceed our high quality standards.  Featured properties are offered by our trusted partners, dedicated to providing quality, affordable housing opportunities to area families.


Certifications & Experience

CHES, Inc. Advisers are NeighborWorks Certified in Foreclosure Prevention, Financial & Credit Management, Education & Counseling, HUD Approved Homebuyer & Homeownership Education (including Pre & Post Purchase). Additionally, each Adviser has a background in real estate,  responsible lending, and business & financial management.

Commitment to Excellence

CHES, Inc. is HUD Certified, and an adopter of The National Industry Standards for Homeownership Education & Counseling and The National Loan Modification Scam Alert Campaign. Each CHES, Inc. Adviser is committed to the National Industry Code of Ethics and Conduct for Homeownership Professionals. We are committed to providing excellence and measurable results to those we serve.

Call CHES, Inc. Today to Begin Improving Your Finances.

Financial Freedom…It’s Your Move!