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| Home Loans |
HOUSING COUNSELING SERVICE
Idaho Housing and Finance Association, in partnership with Idaho Partners for Homebuyer Education Inc. (IPHBE), offers free Housing Counseling to consumers statewide, regardless of income.
Housing Counselors in each IHFA branch office conduct confidential interviews with clients to discuss their housing needs and to help them find resources and access their own personal strengths to meet housing challenges.
Who Qualifies?
- Anyone interested in purchasing a home;
- Anyone who is a renter;
- Anyone homeless or at risk of becoming homeless;
- Anyone having difficulty paying rent or utilities;
- Anyone having trouble making their mortgage payment.
Housing Counselors can assist with:
- Identifying resources and solutions for housing problems;
- Providing information and education about housing resources, rights and responsibilities;
- Discussions with the landlord or lender on the client's behalf;
- Providing financial planning tools, either short- or long-term.
- Reviewing credit reports and credit repair;
- Developing a budget with homeownership in mind;
- Finding homeownership loans and grants appropriate for the individual;
- Applying for housing assistance;
- Prioritizing and budgeting for housing stability;
- Helping identify solutions for maintaining necessary utilities;
- Making referrals to Idaho Legal Aid for landlord/tenant issues.
Housing Counseling Available at:
Boise Administrative Headquarters
Contact: Nancy
Phone (208) 331-4796
Toll free 1-800-458-2791
Contact: Tracy
Phone (208) 331-4723
Toll Free 1-800-526-7145
Contact: Marolynn
Phone (208) 331-4761
Toll Free 1-800-526-7145
Coeur d'Alene Branch Office
Contact: Bette
Phone (208) 667-3380
Toll free 1-866-621-2994
Idaho Falls Branch Office
Contact: Shane or Shelley
Phone (208) 522-6002
Toll free 1-866-684-3756
Lewiston Branch Office
Contact: Debbie
Phone (208) 743-0251
Toll free 1-866-566-1727
Twin Falls Branch Office
Contact: Susan
Phone (208) 734-8531
Toll free 1-866-234-3435
Reverse Mortgage or Home Equity Conversion Mortgage (HECM)
A Reverse Mortgage or Home Equity Conversion Mortgage is a loan against your home that you do not have to pay back for as long as you live in the home. You must be 62 or older and have substantial equity to qualify for a Reverse Mortgage or HECM.
Senior citizens at risk of losing their home due to financial constraints or any senior with limited income may wish to consider this option. A housing counselor will discuss free of charge the advantages/disadvantages of a Reverse Mortgage, or HECM.
Reverse Mortgage/HECM Counselors:
For Northern Idaho please call:
IHFA's Lewiston Branch Office
Contact: Debbie
Phone (208) 743-0251
Toll Free 1-866-566-1727
For Southcentral Idaho please call:
IHFA's Boise office
Contact: Tracy
Phone (208) 331-4723
Toll Free 1-800-526-7145
For Eastern Idaho please call:
IHFA's Boise Office
Contact: Nancy
Toll free 1-800-458-2791
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