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 https://courses.moneyfit.org.

Housing Counseling

We offer free 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

Self Debt Relief

These services, whether received through a nonprofit organization such as Money Fit by DRS or even through the act of filing bankruptcy (which should be avoided at all costs to maintain credit standing) should be used as a last resort.

If an individual recognizes there are growing financial concerns, or sees no path to getting ahead without help, they should seek help. However, people that self-identify the potential issue before it becomes a full-blown problem should consider providing their own relief of sorts.

This typically starts by controlling spending habits and developing attainable goals. Money Fit, through the Money Fit Academy, provides a trove of free financial education resources for everyone to use.

These resources are available regardless of the stage they may be in when it comes to their finances. In fact, we aim to circumvent the problem before it starts by providing many hours of classroom education presentations, beginning at grade school levels.

We strive to continue to develop and enhance our presentations and source materials so that we stay on top of the rapidly changing learning environment.

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

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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