IRS-registered tax preparer Milka Dulcine Aguilar at Cisep Multi-Services LLC offers tax filing, planning, and bookkeeping services to individuals and small businesses in Houston, TX.
Editorially reviewed by Harvey Brooks
Cisep Multi-Services LLC is a Houston-based tax preparation firm founded by Milka Dulcine Aguilar, an IRS-registered tax return preparer listed in the PTIN (Preparer Tax Identification Number) National Directory. Located at 3707 Cypress Creek Parkway Suite 100 in Houston, TX 77068, the firm serves individual taxpayers and small business owners throughout the Houston area and surrounding communities. The company is positioned as a local, experienced alternative to larger tax preparation chains, with Aguilar bringing years of expertise in tax matters.
Cisep Multi-Services LLC offers comprehensive tax-related services including individual tax preparation, small business tax filing, tax planning and strategy, bookkeeping services, and estate and trust tax preparation. The firm assists both individual filers and local business entities with their annual tax obligations and ongoing financial record management. Services are delivered by an IRS-registered professional, ensuring compliance with federal tax regulations and standards.
The company's distinguishing factors include local, personalized service from a named tax professional rather than a large corporate entity, IRS registration and credentialing through the PTIN system, and experience serving both individual and small business clients. The firm emphasizes years of valuable experience and direct client relationships in the Houston market. However, the company operates as a small local practice with limited online presence beyond the directory listing.
This is a legitimate tax preparation service appropriate for individuals and small business owners seeking personalized local tax assistance. The primary caveat is that as a small solo or small-team practice, availability and capacity may be limited compared to larger firms. No information is available regarding pricing, reviews, hours of operation, or expanded service offerings beyond the core tax and bookkeeping services mentioned.
Yes. CISEP SERVICES is a registered company headquartered in 10101 Harwin Dr. # 122, Houston, TX 77036. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Cisep Multi-Services LLC is a legitimate, IRS-registered tax preparation service best suited for Houston-area individuals and small business owners seeking personalized local tax assistance rather than large corporate chains. The primary caveat is that this is a small local practice with very limited online information, no published reviews, and no details about pricing, availability, or service capacity—prospective clients should contact directly via phone to assess fit and availability.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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