HUD-certified nonprofit providing free homebuyer education, credit counseling, and foreclosure prevention to low-to-moderate income families across the U.S.
Editorially reviewed by Harvey Brooks
Credit & Homeownership Empowerment Services, Inc. (CHES, Inc.) is a 501(c)(3) nonprofit organization certified by HUD that has been serving low-to-moderate income individuals and families for years. The organization reports helping 5,732 families and delivering 7,906 education hours, with $7.3 million in housing assistance provided. Based on their website presence and service model, CHES, Inc. operates as a legitimate nonprofit housing counseling agency rather than a for-profit financial services company.
CHES, Inc. offers a comprehensive suite of free and low-cost financial education and housing counseling services. Their core offerings include HUD-approved homebuyer education courses (available in English and Spanish), money management counseling focused on cash flow and debt reduction, foreclosure prevention counseling for homeowners in financial distress, and post-purchase homeownership education. The organization also provides services around credit building, mortgage and rent assistance navigation, and operates a homeownership center. All courses are designed to accommodate busy schedules and are delivered both online and presumably through in-person channels.
What distinguishes CHES, Inc. is their HUD certification and formal adoption of National Industry Standards for Homeownership Education & Counseling. Their advisers follow the National Industry Code of Ethics and Conduct for Homeownership Professionals. The organization emphasizes client-centered service delivery and reports significant business from repeat customers and referrals, suggesting satisfaction and trust. They maintain partnerships with other organizations and actively promote bilingual services. Their mission explicitly targets generational wealth building and financial mastery for underserved populations.
A realistic assessment: CHES, Inc. appears to be a legitimate, well-established nonprofit with proper HUD credentials and a track record of service delivery. However, as a regional nonprofit (Kansas City area based on phone number 816), service availability may be geographically limited. The website lacks specific details about counselor qualifications, typical session costs, wait times, or whether services are truly free or require nominal fees. Prospective clients should contact directly to confirm service eligibility, availability, and any associated costs.
Yes. Credit & Homeownership Empowerment Services, Inc. is a registered company headquartered in Kansas City, MO. They hold a NR rating with the Better Business Bureau.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
CHES, Inc. is best for low-to-moderate income individuals and families seeking free or low-cost HUD-certified housing counseling, homebuyer education, and financial guidance, particularly those facing homeownership challenges or seeking to build long-term wealth. The main caveat is that services appear to be geographically limited to their service area, so prospective clients should verify availability and confirm whether all services are completely free by calling 1-816-533-7417.
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