HUD-Approved Housing Counseling
Housing Counseling and Homebuyer Support
Money Fit is a HUD-approved nonprofit housing counseling agency. We provide education and counseling to help individuals and families understand housing options, responsibilities, costs, and possible next steps.
Housing counseling helps you understand your options before making a housing decision
A housing counselor can help you review your income, expenses, debts, credit information, housing documents, and goals. Depending on your situation, counseling may focus on buying a home, staying current as a homeowner, preparing after a mortgage denial, understanding a reverse mortgage, or meeting required counseling rules for certain loan products.
Counseling does not guarantee mortgage approval, foreclosure prevention, rental assistance, down payment assistance, lender approval, landlord action, or program eligibility. Available options depend on your situation, documents, lender or landlord policies, program rules, and timing.
What housing counseling covers
Money Fit provides housing counseling and education for several common housing needs.
- Pre-purchase and first-time homebuyer counseling
- Post-purchase homeownership counseling
- Mortgage readiness counseling after a mortgage denial
- Mortgage delinquency and foreclosure prevention support
- Reverse mortgage, or HECM, counseling
- HOEPA counseling for certain high-cost mortgages
- Housing stability budgeting and financial education
Choose a housing service
If you already know what you need, you can go directly to the right housing service or education option.
How counseling is delivered
Many housing counseling services can be delivered remotely, so clients can access HUD-approved housing counseling across the United States.
One-on-one counseling
Counseling may be available by phone, video chat, or email, depending on your needs and program requirements.
Online education
Self-paced courses may cover homeownership readiness, budgeting, housing responsibilities, and other education topics.
Workshops and webinars
Live and recorded sessions may provide general education on common housing and household finance topics.
Follow-up support
Depending on the service, counseling may include document review, a household budget, education steps, or additional discussion.
Housing counseling fees
Some housing counseling services and education programs have a nominal fee. Fees depend on the service provided. Money Fit does not charge a fee for foreclosure prevention counseling or homelessness counseling.
Fees may be waived for households with income at or below 150% of the U.S. Department of Health and Human Services poverty guidelines. See the current guidelines at HHS poverty guidelines.
Housing decisions work best when the full budget is visible
Housing questions rarely stand alone. A mortgage payment, rent payment, homebuyer plan, reverse mortgage decision, or mortgage readiness plan usually sits inside a larger budget with income, debts, savings, insurance, repairs, transportation, medical costs, and family needs.
Money Fit’s role is to help you review the details clearly, ask better questions, and understand possible next steps before making a housing or financial decision.
What Money Fit does not provide
- Direct financial assistance: Money Fit does not provide emergency housing funds or monetary payments.
- Legal advice or representation: Money Fit does not have attorneys on staff and cannot provide legal services.
- Loans or mortgages: Money Fit is not a lender and does not broker or issue mortgage loans.
- Section 8 vouchers: Money Fit does not provide Section 8 housing vouchers. For Section 8 information, contact your local Public Housing Authority.
Request housing counseling
Complete the form below so Money Fit can review your situation and follow up with next steps. If you are not sure which service applies, select the closest match and we can clarify during follow-up.
Common questions
How does Money Fit deliver housing counseling and education?
Money Fit provides housing counseling and education through one-on-one sessions by phone, video, or email, along with online education and workshops or webinars. The format depends on your needs and program requirements.
What areas does Money Fit serve for HUD-approved programs?
Money Fit offers HUD-approved housing counseling and education services nationwide. Because many services are delivered remotely, clients can access counseling across the United States.
Are there income requirements for housing counseling services?
There are no income requirements or limitations for accessing housing counseling and education services. Some fees may be waived for households with income at or below 150% of the federal poverty guidelines.
Are there fees associated with housing counseling services?
Some services have a nominal fee. Pre-purchase homebuying counseling is $149, HOEPA homeownership counseling is $119, reverse mortgage counseling is $159, and the Approval Ready Mortgage Preparation Program includes a $149 enrollment fee and a $99 monthly program fee while actively participating. Money Fit does not charge a fee for foreclosure prevention counseling or homelessness counseling.
What is Mortgage Readiness Counseling?
Mortgage Readiness Counseling, including the Approval Ready Mortgage Preparation Program, is designed for people preparing to reapply after a mortgage denial. It may include budget review, credit report discussion, debt review, education steps, and preparation for a future lender conversation. It does not guarantee mortgage approval.
Does housing counseling guarantee mortgage approval or housing assistance?
No. Housing counseling can help you understand your options, prepare questions, review your budget, and organize next steps, but it does not guarantee mortgage approval, foreclosure prevention, rental assistance, down payment assistance, lender approval, landlord action, or program eligibility.
Does Money Fit offer financial assistance, emergency housing funds, or eviction legal help?
Money Fit does not provide direct financial assistance, monetary payments, emergency relief funds, legal assistance, or legal advice. While Money Fit cannot provide legal representation, housing counselors can provide budgeting and credit guidance that may help you understand possible next steps.
Does Money Fit offer traditional loans, reverse mortgages, or Section 8 housing vouchers?
Money Fit is not a lender and does not provide mortgages or broker loans. Money Fit also does not provide Section 8 housing vouchers. If you are seeking Section 8 assistance, contact your local Public Housing Authority to learn about eligibility, applications, and availability.
