Free foreclosure help in Idaho

Who to call first, by situation

• You are not behind yet but can see trouble coming

  Now, before you miss a payment

  Call your servicer and ask what hardship options it has, then request free counseling from Finally Home! Housing Counseling (Idaho Housing and Finance Association), which lists foreclosure prevention as a service. If property taxes are part of the strain, look at Idaho State Tax Commission: Property Tax Reduction and Idaho State Tax Commission: Property Tax Deferral to see whether you qualify for next year's window.

• You are behind but have no foreclosure notice

  Before you are 120 days behind

  Ask your servicer for a loss mitigation application and finish it. A HUD-approved counselor, including those at Finally Home! Housing Counseling (Idaho Housing and Finance Association), can help you put the package together at no charge. Idaho Housing and Finance Association: Homeowner Resources has basic guidance on making a plan.

• You received a notice of default

  Within days; the modification form is due 30 days after the notice date and the cure right lasts 115 days from recording

  Return the modification request form by certified mail if one came with the notice, and ask your servicer for the reinstatement amount. For legal advice, apply to the Idaho Volunteer Lawyers Program (Idaho Law Foundation) if your income is low, or use the Idaho State Bar Lawyer Referral Service to find a licensed attorney. Also ask a legal aid office whether it takes foreclosure cases.

  Idaho Code §§ 45-1506C, 45-1506(12)

• A trustee's sale date is set

  Immediately

  Call the trustee named on the notice of sale to confirm the date, and call your servicer to ask about a postponement while your application is reviewed. Talk to a licensed attorney right away about your options, including bankruptcy. The Idaho State Bar Lawyer Referral Service offers an initial consultation of up to half an hour at no fee after a $35 referral charge.

• Your servicer is not following the rules

  As soon as it happens; keep copies of everything

  For a mortgage company or servicer the state regulates, follow Idaho Department of Finance: Complaint Guidance to file a written complaint. If the lender skipped the loan modification notice, the meeting, or the written answer required by Idaho law, also file a complaint with the Idaho Attorney General, Consumer Protection Division, which enforces that section.

  Idaho Code § 45-1506C(6)

• A company or investor contacted you with an offer to save your home

  Before you sign or pay anything

  Do not pay upfront fees or sign over your deed. In Idaho, a contract made during foreclosure that transfers an interest in your home must be in writing with a warning notice, and you have 5 business days to cancel it in writing. Report pressure or broken promises to the Idaho Attorney General, Consumer Protection Division, and have a licensed attorney read any contract first.

  Idaho Code §§ 45-1602, 45-1603

• The home was sold and you were served with eviction papers

  The trial is set within 12 days of filing

  Look at the Idaho Court Assistance Office: Housing Forms and Information page for court forms and guidance, and contact a lawyer through the Idaho Volunteer Lawyers Program (Idaho Law Foundation) or the Idaho State Bar Lawyer Referral Service before the trial date.

  Idaho Code § 6-310

Official and nonprofit help in Idaho

None of these charge homeowners for foreclosure help.

• Idaho Housing and Finance Association: Homeowner Resources

  The state housing finance agency's page for homeowners who are having trouble paying, with links to free housing counseling.

• Finally Home! Housing Counseling (Idaho Housing and Finance Association)

  HUD-approved counselors who help Idaho homeowners with foreclosure prevention and mortgage payment plans; you can request counseling on this page.

  877-695-2655

• Idaho Attorney General, Consumer Protection Division

  Takes consumer complaints, including complaints about foreclosure rescue offers and lenders that skip the loan modification notice rules.

  1-800-432-3545

• Idaho Department of Finance: Complaint Guidance

  Explains how to file a complaint about a mortgage company or other financial business the department regulates, and what to expect.

• Idaho Court Assistance Office: Housing Forms and Information

  The Idaho courts' self-help page with housing forms and brochures, including a handout for homeowners facing foreclosure.

• Idaho Volunteer Lawyers Program (Idaho Law Foundation)

  Free civil legal help and advice clinics from volunteer lawyers for low-income Idaho residents who qualify.

  (208) 334-4500

• Idaho State Bar Lawyer Referral Service

  Online referral to a private lawyer for a $35 fee, with a first consultation of up to half an hour at no charge.

  (208) 334-4500

• Idaho State Tax Commission: Property Tax Reduction

  Explains who qualifies for a property tax cut of $250 to $1,500 on a primary home and how to apply through the county assessor.

  (208) 334-7736

• Idaho State Tax Commission: Property Tax Deferral

  Explains how qualifying homeowners can postpone property taxes on a home and up to one acre, to be repaid later with interest.

  (208) 334-7736

Idaho Homeowner Assistance Fund (Idaho Housing and Finance Association)

Idaho's Homeowner Assistance Fund is closed. The U.S. Treasury says the period for HAF awards ended on September 30, 2026 and states may no longer give homeowners money from the fund. Idaho Housing and Finance Association has removed its HAF page, and the old address now sends you to its home page. IHFA still offers free housing counseling, including foreclosure prevention, through its Finally Home! program. Idaho also runs two property tax programs through the State Tax Commission and county assessors. The Property Tax Reduction program can cut property taxes by $250 to $1,500 for qualifying homeowners with limited income who are 65 or older, disabled, widowed, or in certain other groups. The Property Tax Deferral program lets qualifying homeowners put off property taxes, which must be repaid later with interest. Both must be applied for every year. The Tax Commission's pages now list the 2027 windows: January 1 to April 15, 2027 for the reduction and January 1 to September 7, 2027 for the deferral.

Check the program’s current status

Common questions in Idaho