Welcome to the Ephram/Neal Enterprises.  Our Mission is to break the "Chains of Poverty" through homebuyer education and financial literacy counseling.  We also increase homeownership and empower individuals with the tools to become debt free and financially independent.

Homebuyer Education Certifications

First-Time Buyer Education (Pre and Post)

MGIC "Smart Path"

PMI "Home Of Your Own"

ENE "Financial Literacy & Empowerment

Loss Mitigation & Default

Reverse Mortgage

OUR COMPREHENSIVE COUNSELING PROGRAM

 MAKING DREAMS COME TRUE