Free Housing Counseling & Housing Education For Idaho Residents

Receive free and quality housing advice from a HUD-approved housing counseling agency with over 25 years of providing credit counseling to Idahoans.

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Nonprofit Housing Counseling & Education Services in Idaho

It is human nature to long for a stable home that offers shelter from life’s physical and symbolic storms. Housing fills that yearning, and as one of just three physical survival needs we can satisfy through financial means, it makes up an important part of a healthy and safe life. A growing body of twenty-first-century research and programs has found housing to occupy such an important place among all human needs and wants that it is beginning to take precedence over work placement, addiction recovery, job training, and financial education.

We also believe in the primacy of housing, whether securing it for the first time on our own or maintaining it in trying times, be it through ownership or as a renter. For this reason, we have long offered counseling and education to help individuals and families secure and remain in stable homes.

Our counseling and learning sessions address the basics of homeownership, qualifying for a mortgage or rental application, building credit, avoiding predatory lending, understanding homeowner insurance, preparing for homeownership expenses such as maintenance and repairs, and being aware of your rights as a renter or borrower.

housing counseling

Housing Financial Education

Home Fit offers the following services that promote stable and appropriate housing in Idaho:

  • Financial Management and Budget Counseling
  • Financial, Budgeting, and Credit Workshops
  • Predatory Lending, Loan Scam, or Other Fraud Prevention Workshops
  • Fair Housing Workshop
  • Rental Workshops
  • Pre-Purchase Homebuyer Education Workshop
  • Non-delinquency Post-Purchase Workshops (Home Maintenance and/or Financial Management for Homeowners)

Our primary products for providing these services include the following free, 60-minute online courses:

Find other financial education courses at moneyfit.org/courses.

Housing Counseling

We offer housing counseling related to these same topics in addition to Homeless Assistance via phone, email, or zoom. Whether through our education or counseling services, participants will assess and be better prepared to qualify for an apartment, a mortgage, or to deal with financial emergencies as a homeowner.

Contact our housing counseling and education manager, Todd Christensen, at 208-286-3283 for additional information, or send him an email at todd@moneyfit.org.

Housing Calculators

Money Fit by DRS has provided nonprofit credit counseling to consumers for over 22 years.

Take advantage of our many housing-related calculators. They are all free and easy to use. None of our calculators require you to submit personally identifying information. Check them out!

housing counseling
housing counseling

Our Commitment to Fair and Equitable Housing

Money Fit’s housing counseling services offer comprehensive support to help you achieve your housing goals, whether it’s securing a mortgage, finding an apartment, or dealing with financial emergencies as a renter, homeowner, or potential homeowner. Our expert counselors are dedicated to helping you assess your needs and find the best solution for your unique situation. With a combination of education and counseling services, Money Fit is the partner you need to achieve a stable and secure housing situation.

housing counseling

Additional Debt Management Service

We also believe in the primacy of housing, whether securing it for the first time on our own or maintaining it in trying times, be it through ownership or as a renter. For this reason, we have long offered counseling and education to help individuals and families secure and remain in stable homes.

Our counseling and learning sessions address the basics of homeownership, qualifying for a mortgage or rental application, building credit, avoiding predatory lending, understanding homeowner insurance, preparing for homeownership expenses such as maintenance and repairs, and being aware of your rights as a renter or borrower.

Learn More About Our Credit Counseling and Debt Management Program


Online Education Program Fees*

One-on-one Counseling Fees*

  • Pre-purchase Homebuying Counseling, Rental Counseling, Post-purchase Ownership Maintenance and Financial Management $75

    Session by the hour

  • Credit Report Fee Paid Directly by Client

*Fees for all but our online education courses and workshops can be paid by cash, check or money order to: “Debt Reduction Services, Inc.” Registration fees are non-refundable 24 hours or less before the start of the course or workshop. Certificates are non-transferrable 

*Fees will be waived for households with income of 150% or less of that identified on the US Department of Health and Human Services Poverty Guidelines Page (https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines) 

Home Fit Frequently Asked Questions

The following questions are the most common questions we are asked about regarding Personal Debt Relief.

Home Fit is the HUD-approved housing counseling and education program offered by Debt Reduction Services, Inc. through its Money Fit website. 

Home Fit offers the following services related to housing: 

Budgeting and financial management counseling 

Financial, budgeting, and credit workshops 

Home Fit provides its counseling education services through online programs, video chat programs, phone, and email. 

Home Fit offers its counseling and education services nationwide. However, its HUD-approved services are available in all counties of the state of Idaho. 

There are no income requirements or limitations for accessing our counseling or education services. 

Currently, we offer our budgeting and financial management counseling services at no cost. Additionally, we offer several financial, budgeting, and credit workshops for free. 

Home Fit expects to offer pre-purchase homeownership and other housing-related workshops in the future for nominal fees. 

We do not provide any financial assistance or monetary payments to our clients. We may, however, offer information about and referrals to agencies where such support is offered for help with housing. 

We do not have any attorneys on staff and do not offer legal advice. Please see your local Legal Aid Society for assistance in affording legal counsel. 

Home Fit is not a lender and is not a mortgage broker. Home Fit can help clients evaluate loan options, navigate the lending process, and understand their housing rights and protections related to housing. 

Home Fit partners with area housing authorities that provide housing vouchers. Home Fit does not offer housing vouchers. 

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