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Housing Counselors in each IHFA branch office conduct confidential interviews with clients to discuss their housing needs and to help them find resources to meet housing challenges.
Click Here to find an IHFA Housing Counselor near you
Housing counselors can assist you with a wide scope of situations, including:
- Identifying resources and solutions for housing problems;
- Providing information and education about housing resources, rights and responsibilities;
- Providing financial planning tools, either short- or long-term.
- Reviewing credit reports and helping with a debt reduction plan;
- Developing a budget with homeownership in mind;
- 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. To contact a Legal Aid office in your area, visit: www.idaholegalaid.org.
Housing counselors do not provide financial assistance, but can help you determine the best way to address concerns about your housing situation.
If you are having problems paying your mortgage or rent, the best thing you can do is contact your lender or landlord to ask them about payment options as soon as you suspect you may not be able to pay your monthly mortgage payment or rent.
Senior citizens wishing to access the equity in their home, who are at risk of losing their home due to financial constraints, or any senior with limited income may wish to consider a Reverse Mortgage, or Home Equity Conversion Mortgage (HECM). A housing counselor will discuss the advantages/disadvantages of this option.
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