Colorado Mortgage Help and Foreclosure Prevention: Free Counseling, Hotline, and Legal Resources
Colorado homeowners who are struggling with mortgage payments have access to a statewide network of free counseling, nonprofit assistance programs, and legal help, all of which are listed below. Most people start with a phone call — not a program application — because the first step is understanding your options before a deadline passes.
All legitimate foreclosure prevention help in Colorado is free. Under state law, it is illegal for anyone acting as a foreclosure consultant to charge an upfront fee or deposit for services related to a foreclosure. If someone asks for money to help modify your loan or stop a foreclosure, treat it as a scam.
Colorado Housing Connects — start here
Colorado Housing Connects is the state's central housing helpline, operated by Brothers Redevelopment, a nonprofit that has run Colorado's foreclosure prevention hotline since 2006. It connects homeowners across the state with HUD-certified housing counselors, local assistance programs, and referrals to legal services.
A counselor will review your situation, explain the foreclosure process and timeline in Colorado, help you prepare documentation for your servicer, and connect you with local programs that may offer financial help. Call: 1-844-926-6632 (bilingual, Monday–Friday 8 a.m. to 4:30 p.m.). Website: https://coloradohousingconnects.org/.
Note: State statute requires lenders to include the Colorado foreclosure hotline phone number in the pre-foreclosure notice mailed before any Notice of Election and Demand is filed. If you've received that notice, the hotline number printed on it connects to the same resource.
How Colorado foreclosure works — the essential facts
Most Colorado foreclosures go through a nonjudicial public trustee process, not a court lawsuit. Once the lender files a Notice of Election and Demand (NED) with the county public trustee, the sale date is set 110–125 days out. The homeowner receives a combined notice of sale twice during that window.
Colorado gives homeowners a right to cure: by filing a notice of intent to cure at least 15 days before the sale date, and then paying all past-due amounts plus costs by noon the day before the sale, the homeowner can stop the foreclosure. There is no post-sale redemption right for homeowners.
The window is real but it moves fast — contact a housing counselor as soon as you receive any notice from the county public trustee.
Colorado Division of Housing — housing counseling program
The Colorado Division of Housing operates a Housing Counseling Assistance Program that supports a network of HUD-approved counseling agencies statewide. These counselors provide free help with mortgage delinquency, foreclosure prevention, budget review, and connecting households to other resources. The Division's homeownership support page is at https://doh.colorado.gov/homeownership-support-and-stability.
Colorado Homeownership Coalition
The Colorado Homeownership Coalition (CHC) provides direct mortgage assistance to homeowners who experience a temporary disruption in income that has caused or threatens to cause delinquency. Homeowners apply through a local housing counseling agency partner rather than directly to CHC. The program is not a crisis fund for households with long-term unaffordable payments — it's designed for cases where a bridge payment can restore stability. Phone: (720) 458-5828. Website: https://www.chchelps.org/ (includes a partner agency locator under "Get Help")
HOAP Colorado
HOAP Colorado (Home Ownership Assistance Program) provides education and support specifically for homeowners who are already in the foreclosure process. Staff help homeowners understand the Colorado foreclosure timeline, key deadlines, and their options at each stage, including whether negotiating with the lender or exploring assistance programs makes sense in their situation. Website: https://www.hoapcolorado.org/.
HomesFund — southwest Colorado
HomesFund provides housing counseling services in southwest Colorado, including foreclosure prevention help for homeowners in that region. While the organization also serves homebuyers, it provides free counseling to existing homeowners facing delinquency or foreclosure. Website: https://homesfund.org/.
Free legal help
Colorado Legal Services (CLS) is the state's only statewide legal aid nonprofit, providing free civil legal help to income-eligible Coloradans through several offices across the state. CLS handles foreclosure cases and can help homeowners understand their rights at the Rule 120 hearing, respond to lender actions, or address errors in the foreclosure process. Website: https://www.coloradolegalservices.org/.
To find the right office for your county, or to explore additional legal resources, visit the Colorado Division of Housing's legal resource page at https://doh.colorado.gov/foreclosures-evictions-and-legal-help or call 211 (Colorado's statewide referral line, also at 211colorado.org).
HUD-approved housing counselors statewide
Colorado has HUD-certified housing counseling agencies in communities across the state. For a live locator by zip code, visit http://www.hud.gov/states/colorado or call (800) 569-4287.
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