User's blog

Category: Housing

  • 5 Unexpected Costs of Home Renovations

    Like everyone else, you’ve been home a lot more in the last few months due to COVID-19. All this extra time at home has allowed many of us to become more reacquainted with all the things we’d like to change about our homes: the outdated kitchen features, worn carpeting that you’d like to replace with […]

  • COVID-19 Protection for Renters

    If you’ve been impacted by the COVID-19 pandemic, like any consumers, you may find that you’re experiencing difficulty with making rent payments. We’ve gathered resources to help you know the options available to you and new protection for renters impacted by the pandemic. In late March, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) […]

  • Looking For Housing Assistance During The Coronavirus Crisis?

    As the coronavirus crisis has caused waves of impact across the U.S. and the globe, many people have been laid-off or are facing greatly reduced hours at their jobs. If you are looking for housing assistance during the coronavirus crisis because you’ve experienced job loss or illness, we’ve gathered a list of resources to help […]

  • Looking For a New Home? These Affordable Housing Trends Could Impact You

    It’s been more than a decade since the 2008 financial crisis, but the affordable housing market is still playing catch up. According to Harvard University’s The State of the Nation’s Housing 2019, home construction remains sluggish. About 1.2 million homes were built in the year that the study covers, roughly 260,000 fewer than the market […]

  • Financial Considerations For Finding Your First Apartment

    Welcome back to the Young Adults Perspective Series, where we offer tips to newly financially independent young adults. With the New Year comes a change in work for many young adults. You might have finished your education in December, or perhaps you found a better opportunity in a new city. There are millions of people […]

  • First Time Homeownership: Advice from a Housing Counselor

    Welcome to another edition of the Young Adult’s Perspective series, where we help newly financially independent young adults make sense of the journey that comes with being on your own. This week, we’ll be taking on one of the biggest challenges in establishing independence: purchasing your own home. Unlike previous topics, I don’t have any […]

  • Renting While Rebuilding Credit

    There are many reasons why renting a home is a good option for a family. You may need time to prepare for homeownership, or may only plan to live in the home for a short time. Another reason you may consider renting is that you are in the process of rebuilding credit.  Unfortunately, credit issues […]

  • Survey Reveals Top Barriers to Homeownership

    2019 Consumer Financial Literacy Survey reveals the most significant obstacles faced by prospective homeowners, underscoring the need for homebuyer counseling and education. Raleigh NC (April 24, 2019) – As Financial Literacy Month is recognized throughout the nation, Consumer Education Services Inc. (CESI) and the National Foundation for Credit Counseling® (NFCC®) are working together to spotlight […]

  • CESI Announces One-of-a-Kind Matched Savings Program to Unlock Dream of Homeownership in NC

    Raleigh,NC – Non-profit Consumer Education Services Inc. (CESI) has launched a matched savings program to assist low-to-moderate income homebuyers in the purchase of affordable housing by offering matching funds to be used for closing costs or down payment assistance. In partnership with the North Carolina Housing Finance Agency, First National Bank, and HomeTrust Bank, this […]

  • Are Bi-Monthly Mortgage Payments a Good Idea?

    Most homeowners pay off their mortgage by making monthly mortgage payments. In some cases, homeowners with a bit more financial flexibility will make larger payments than required in order to pay off their loan quicker. However, you may not be aware that you can choose to pay bi-monthly mortgage payments instead of monthly. To determine […]

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