Protect Your Largest Investment

COVID-19 Mortgage/Rent Assistance

If you are in need of Mortgage or Rent Assistance, let us help you navigate the process. After all, your home is your largest single investment, so, when events happen that threaten your investment you need experienced, HUD certified loss mitigation / foreclosure prevention specialists on your side.

Since 2008 our HUD certified counselors have successfully negotiated hundreds of mortgage resolutions. Plus, we can help you stay on track once your mortgage is modified.

Remember, no organization can guarantee your loan will be modified, if you are denied, CHES, Inc. will be here to provide guidance and assist with all options available to you.

Recent studies indicate a 67% greater rate of success in receiving mortgage assistance when utilizing an experienced, HUD approved nonprofit agency like CHES, Inc., and borrowers are less likely to re-default after modification.

Our Mortgage and Rent Assistance Services Are Free and Confidential.

Our HUD Certified Counselors Assist With:

CARES Act / COVID-19 Mortgage and Rent Assistance
Fannie Mae and Freddie Mac Forbearance Programs
FHA and FHFA Mortgage Relief Programs
Programs for Unemployed
FHA, Conventional, Fixed Rate, ARM and Hybrid Loan Modifications
Short Sales
Deed in Lieu of Foreclosure

Client Login

Once you submit an Assistance Request form, one of our HUD Certified Counselors will contact you to complete and submit your assistance request. You will also be provided with a secure login to our client portal where you can securely communicate with your counselor, upload documents and track your file’s progress.

We are available via phone, online, or email throughout the entire process.

If you need assistance getting started, or have additional questions, please contact us at: 816-533-7417 or: mortgageassistance@chesinc.org

UPDATE: Since this video was released, federal regulators have made it clear that if you receive a forbearance under the CARES Act, your mortgage servicer cannot require you to repay your skipped payments in a lump sum once the forbearance period ends. Also, wait times for most call centers have eased, we encourage you to contact your servicer to learn more.

Visit These Websites For Additional COVID 19 Resource Information

MSKC – KCMO & Missouri Resources

CHWC – Kansas Resources

Foreclosure Frequently Asked Questions

Can you guarantee that I will receive a modification?

No, no organization can guarantee you will receive a modification. If anyone guarantees modified loan terms, you should contact your State Attorney General’s office right away.

If you have been the victim of a Loan Modification Scam, you should report the details to your State Attorney General. If you need assistance, visit www.loanscamalert.com

Credit & Homeownership Empowerment Services, Inc. has joined with the Loan Modification Scam Alert Campaign to help fight loan modification scams in our community.

Should I stop making my mortgage payment to my lender, or make payments to a third party?

No, you should continue to make payment(s) directly to your lender, do not make payments to any third party unless you have been instructed to do so, in writing, by your lender.

Do I need to stay in contact with my lender while my loan is being considered for modification?

Yes, it is very important that you remain in direct contact with your lender throughout the modification process. Be wary of any company that encourages you otherwise. We are here to assist and guide you through this process; we will help facilitate the entire process with you and your lender.

How is your Total Financial Fitness Program for Homeowners different?

We understand how stressful it can be to juggle finances; between house payments, auto loans, insurance, medical, utilities and everyday expenses it’s difficult enough, but when you add a reduction or loss of income, increased expenses or an escalating home loan it becomes almost impossible.

Lenders want to see that you have a workable plan for staying on track. CHES Inc.’s Financial Fitness Program assists you with long term solutions. Our Advisers have had great success in helping families save their home, however, it’s important to keep in mind not every home is affordable, it’s a difficult reality, but we will guide you through the process and explain your options no matter the outcome. After-all, our goal is your long term success.

Studies have shown that following a comprehensive program such as the one offered by CHES Inc. provides a 60% greater chance of receiving a modification, and an even greater chance of maintaining one. Remember, no one can guarantee results, but by utilizing the right tools you can greatly increase your chance of success.

Is CHES, Inc. a Law Firm?

No, CHES, Inc. is not a law firm, we are a HUD Certified, 501(c)(3) nonprofit, public benefit organization. Our staff consists of trained, experienced advisers Certified in Loss Mitigation and Foreclosure Prevention by NeighborWorks America. We have negotiated numerous successful modifications for clients, including those in foreclosure. CHES, Inc. will never discourage you from consulting with an attorney.

Should I consult with the Law Firm representing my lender in the foreclosure sale?

While we can’t advise you about communicating with any law firm, keep in mind the law firm facilitating the foreclosure sale represents your lender, not you. If you have questions regarding your rights, you should consult with an attorney who will represent you.

Is my Lender / Investor required to modify the terms of my loan?

No, contrary to what you might believe, Lender / Investors are not required to participate in any program, or to even consider your request for modification. Therefore, it is important to utilize the services of an experienced intermediary like CHES, Inc., while we cannot guarantee you will receive a loan modification, we can help to increase your chance of success.

I have a foreclosure sale date, is it too late to get help?

Not necessarily, while chances for success are much better when you provide us as much notice as possible, we will attempt to get your sale date postponed so that your modification request can be considered by your Lender / Investor. Keep in mind, once a foreclosure sale date is scheduled, it can be difficult to postpone. Please contact us before it gets to this point so that we may increase your chance of success.

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

Financial Freedom…It’s Your Move!

1.816.533.7417

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.

“I just wanted to take a moment to say thank you for all the work that your program does to help those in need. I never thought in a million years that I would be able to become a homeowner but you helped make it possible. I did not know anything about the home buying process and I learned so much from you. By the time I got ready to close on my home I felt comfortable and knowledgeable about my purchase. I also want to thank my advisor, he is the greatest, he was there with me every step of the way, and was genuinely concerned about making sure I was not taken advantage of being a first time home buyer. He has a wealth of knowledge and I appreciate all the help that he provided. I really do appreciate all of your help!”

A. Turner

I would like to express my sincere appreciation to your organization for your superb job in assisting me to buy my new home. You were very professional and informative concerning my needs in getting my new house. I have no doubt that it would not have been the success that it was without your input. I would recommend your organization to anyone needing a no nonsense, professional approach to providing the proper information to getting one of the biggest investments in a person’s future. Again, I thank you for all your help because you truly made finding a home a dream come true.” T. Banjo

R. & S. Riedel

“A big thank you to you and your organization for helping us save our family home, when my husband became ill and our income was cut more than half we didn’t know where to turn for help. Your company got us the help we needed to keep our home.”

V. & T. Wynn

“The level of service at your company is fantastic. Having been a customer previously, I am consistently impressed by the professionalism of every staff member I have come in contact with. Thank you!”

C. Brown

“In this day and age, it’s hard to find a company you can trust. You were recommended to me by a friend, and now I know why – the quality of service I received was outstanding. Keep up the good work!”

T. Goeking