We offer free, individual housing and financial counseling with our HUD Certified Housing Counselors.

Whether you need financial or pre-purchase counseling before you buy a home or foreclosure prevention or post-purchase counseling, we’re here to provide support!

Please see our Classes and Services page for information about childcare vouchers and accommodations.

Family in front of their house


Create an action plan to take control of your money, get out of debt, build your savings and make wise decisions with your money. To schedule an appointment, please contact Katie Sadowski at 406-532-4663 x23 or [email protected].


Get ready to buy a home by reviewing your budget, setting savings goals, overcoming any credit issues and identifying your best financing options. Our counselor also provides general encouragement and support to help you stay motivated and reach your goal of becoming a homeowner. Post-purchase coaching is also available.

Schedule online for an appointment with Homebuyer Educator Julie Pavlish or contact her directly for more appointment options at 406-532-4663 x14 or [email protected].


Our post-purchase counseling empowers homeowners to successfully navigate the challenges and opportunities that arise after purchasing a home. Whether it’s understanding mortgage terms and how to access your home equity, managing your finances with rising property taxes and other costs or coordinating your budget with your long-term strategy, our counselors are here to assist you every step of the way. Participants walk away with personalized action plans for their unique situations.

Schedule online for an appointment with Homebuyer Educator Julie Pavlish or contact her directly at 406-532-4663 x14 or [email protected] for more appointment options. You can also schedule online for an appointment with Financial Educator Katie Sadowski or contact her directly at 406-532-4663 x23 or [email protected] for more appointment options.


Thanks to our generous sponsors, we are able to provide our financial education program at no cost to our clients. Learn more about sponsorship»

Housing Counseling and Education clients are not obligated to use any product or service offered by sponsorship agencies, their affiliates or partners. Homeword will provide information on alternative services, programs and products. Clients should consider a variety of resources and options and select the resources that best meet their needs.

First Interstate Bank
Glacier Bank
Trail West Bank logo
Wells Fargo logo


Many thanks to our generous funders who help make it possible to offer our HomeOwnership Programs!
City of Missoula logo - The Garden City - Hub of Five Valleys
Dennis & Phyllis Washington Foundation
First Interstate Bank logo
Montana Board of Housing logo
US Bank logo
Wells Fargo Home Mortgage