Some counseling and advising agencies do charge a fee, others offer the service at no cost. We recommend that you check before scheduling your appointment. Fees for homeownership advising services are typically very reasonable, and services are always confidential, and usually invaluable.
If you decide to review your credit report with your advisor, you may be charged for the cost of the report. By law, it shouldn't be more than $14.50 (as of last update: March 2023)