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topics: Avoiding foreclosure in Colorado, Colorado mortgage default, foreclosure help, Colorado mortgage problems

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Colorado foreclosure help, avoiding foreclosure, mortgage problems
A consumer's guide to resources about avoiding foreclosure in Colorado, help with mortgage problems, and news about the mortgage crisis in Colorado, with a directory of HUD-approved Housing Counseling Agency in Colorado

Avoiding foreclosure in Colorado, mortgage default and mortgage problems

 
This is not a debt-relief system. We do not sell, endorse or recommend any product or service. We are not a mortgage company, broker, or financial institution. We are a public service.

Our editors selected these web pages and brochures from government, education, and non-commercial sites to provide help for people needing information about these subjects. These are not paid listings.

 
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If you have mortgage or default problems, or are trying to avoid foreclosure:

The resources on this page are intended to help you research and answer questions you might have about mortgages, foreclosures, and mortgage default in Colorado.

The U.S. Department of Housing and Urban Development makes these recommendations if you are having trouble keeping up with your mortgage payments or have received a notice from your lender asking you to contact them.
  • Don't ignore the letters from your lender
  • Contact your lender immediately
  • Contact a HUD-approved Housing Counseling Agency
  • Toll FREE (800) 569-4287
  • TTY (800) 877-8339
You can find a list here: list of HUD-approved Housing Counseling Agencies in Colorado

The full text of the HUD recommendations is available at (HUD) Tips for Avoiding Foreclosure
 

Information and help about Avoiding Foreclosure, Foreclosure Help, Mortgage Problems and Default in Colorado:

U.S. Department of Housing and Urban Development Web page:
HUD in Colorado Helping Homeowners Keep Their Home

source: U.S. Department of Housing and Urban Development
languages: English
from the web page:"...Behind in house payments or facing foreclosure? Foreclosure can often be prevented. Do not ignore letters from your lender. ACT NOW! - Tips for avoiding foreclosure - Contact a housing counselor before it’s too late....

 
more from U.S. Department of Housing and Urban Development:
web page
Contact HUD: Colorado
languages: English
from the web page: "Dept. of Housing and Urban Development, 1670 Broadway, Denver, Colorado 80202-4801..."
web page:
Foreclosure Assistance

source: Denver Office of Economic Development
languages: English
from the web page: "...The Colorado Foreclosure Hotline connects borrowers with non-profit housing counselors who can provide information on a borrower's options when facing foreclosure. Counselors can also act as facilitators for communication between lenders and borrowers...
web page:
Foreclosure Assistance

source: City of Englewood, Colorado
languages: English
from the web page: "Foreclosures are a serious problem in Englewood and throughout Colorado. Nearly two-thirds of delinquent borrowers are unaware of the workout options with their lenders. In over half of all foreclosure cases, borrowers never contact their lender....
web page:
Housing Assistance - Foreclosure Assistance

source: City of Thornton, Colorado
languages: English
from the web page: "...If you’re worried about missing a mortgage payment on your house, now is the time to take the first step against losing your home. The easiest way to do that is by educating yourself on what options are available to you....
web page:
Financial Assistance Programs: Rent/Mortgage/Utility Assistance

source: Adams County Housing Authority
languages: English
from the web page: "...ACHA provides financial assistance for rent/mortgage and/or utility assistance for county residents. Each household who receives assistance is provided with counseling through ACHA’s Housing Counseling department.....
brochure:
The Colorado Foreclosure Hotline - Stop Foreclosure before it starts

source: Colorado Housing Counseling Coalition (CHCC)
1 pages; languages: English
from the brochure: "The Colorado Foreclosure Hotline is a non-profit organization committed to helping you stop foreclosure before it starts...."
 
more from Colorado Housing Counseling Coalition (CHCC):
web page
Foreclosure Prevention Counseling
languages: English
from the web page: "If you are having difficulty in making your mortgage payments, we recommend the following:..."

Legal Aid help about mortgages and foreclosure in Colorado

Web site:
ColoradoLegalServices.org

languages: English
from the web page: " Providing help for low-income Coloradans seeking civil legal information. The site has self-help legal information, where to find no or low-cost legal help..."

Help with Predatory Lending in Colorado

brochure:
Don’t Be A Victim of Loan Fraud

source: Colorado Housing Counseling Coalition (CHCC)
2 pages; languages: English
from the brochure: "Buying or refinancing your home may be one of the most important and complex financial decisions you’ll ever make. Many lenders, appraisers and real estate professionals stand ready to help you get a nice home and a great loan. However, you need to understand the homebuying process to be a smart consumer....."

brochure:
PREDATORY LENDING (WHAT CONSUMERS SHOULD KNOW)

source: Colorado Division of Housings
languages: English
2 pages; from the brochure: "Predatory Lending refers to the use of unfair and abusive mortgage lending practices that result in a borrower paying more through high fees or interest rates than the borrower’s credit history warrants. It involves fraudulent practices that target vulnerable consumers..."

brochure:
Getting the Facts Before Borrowing Against Your Home

source: Colorado Division of Housings
languages: English
2 pages; from the brochure: "Predatory Lending refers to the use of unfair and abusive mortgage lending practices that result in a borrower paying more through high fees or interest rates than the borrower’s credit history warrants. It involves fraudulent practices that target vulnerable consumers..."

Mortgage help for veterans in Colorado

web site:
Denver Regional Loan Center

source: US Department of Veterans Affairs
languages: English

Refinancing Colorado Mortgages

web page:
Today's interest rates

source: Colorado Housing and Finance Authority
languages: English
current Colorado Mortgage rates
 
more from Colorado Housing and Finance Authority:
web page:
Hardship Refinance
languages: English
from the web page: "CHFA’s statewide Hardship Refinance program helps individuals facing foreclosure because of a temporary and unforeseen financial crisis. It provides a one time opportunity for qualifying borrowers to pay off their existing delinquent mortgage and establish a new 30-year, conventionally uninsured first mortgage..."

Colorado HUD-approved Housing Counseling

The U.S. Department of Housing and Urban Development strongly recommends that you should immediately contact a HUD-approved housing counseling agency and arrange an appointment with a counselor, especially if you don't feel comfortable talking with your lender. Click A Directory of Colorado HUD-approved Housing Counseling Agencies

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Avoiding foreclosure in Colorado

Colorado Foreclosures, Mortgage Help NEWS



Colorado ranks fifth in first quarter foreclosures

source: Northern Colorado Business Report

April 29, 2008
"...The state's foreclosure activity increased 33 percent from the previous quarter and was up by 78 percent over the same quarter in 2007, the report said. Foreclosure filings -- which include default notices, auction sale notices and bank repossessions -- were reported on 18,996 Colorado properties during the quarter, or one in every 110 households. ..."

WHAT COUNTS IN COLORADO - Colorado's method of compiling foreclosures

source: Colorado Springs Gazette

April 7, 2008 - 11:03AM
"... In some states, foreclosures are tallied only after a home is sold because of failure to make mortgage payments. In Colorado, foreclosures are recorded when lenders file paperwork with a county public trustee's office..."

COLORADO SECURES $1.5 MILLION FEDERAL GRANT FOR FORECLOSURE PREVENTION

source: Cherry Creek News and Central Denver Dispatch

Wednesday, 05 March 2008
"Gov. Ritter Says Funds Will Help Meet Demand for Local Housing Counseling..."

HUD/FHA INCREASES MORTGAGE LIMITS IN SUMMIT COUNTY, COLORADO

source: U.S. Department of Housing and Urban Development - Newsroom

February 06, 2008
"DENVER – The U.S. Department of Housing and Urban Development will raise the Summit County mortgage limits to a new high for the area as of February 18, 2008. This is in direct response to the current upward trend in home prices in the area..."

HOTLINE AIMS TO CURB FORECLOSURES

source: Colorado Housing Counseling Coalition (CHCC)

Wednesday, February 13, 2008
"New number will provide assistance to those in danger of foreclosure...."

Congress considering bankruptcy relief and foreclosure assistance

source: KUSA-TV 9NEWS

2/24/2008 8:37:07 PM "KUSA - New numbers show Colorado's housing industry continues to skid. Foreclosures rose 40 percent last year...."

Sen. Salazar Pushes For Urgent Action to Alleviate Colorado's Housing Crisis

source: Office of U.S. Senator Ken Salazar

Friday , February 22, 2008
"DENVER, CO – As the rising rate of home foreclosure threatens thousands of Colorado homeowners, United States Senator Ken Salazar held a press conference today at Brother’s Redevelopment, Inc., a local housing assistance agency that houses Colorado’s Foreclosure Hotline, calling for urgent action to address the housing crisis in America...."

February saw slump deepen

source: The Gazette (Colorado Springs)

2008-03-03 08:29:00 pm "New-home construction down, foreclosures up in the region..."

Salazar, Allard differ over housing slump

source: Pueblo Chieftain

Feb 28, 2008 "Colorado Sens. Wayne Allard and Ken Salazar find themselves on opposite sides in the Senate this week as lawmakers wrestle over how to shore up the slumping housing market, even as Colorado moved up to fifth place nationally in the number of homes in foreclosure...."

Attorney General Cracks Down On Mortgage Fraud

source: cbs4denver.com

Feb 26, 2008 7:04 pm " DENVER (CBS4) -- The Colorado Attorney General's Office is cracking down on mortgage fraud. The target: ads from mortgage brokers....."

 

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