This information has been prepared as an informational tool for Jefferson County citizens and it is not intended to serve as legal advice.

Contact the Office of Financial Empowerment & Protection (720- 944-2498,[email protected]) as soon as you start falling behind on mortgage payments or as soon as you receive a Combined Notice from our office. You will be connected to a navigator who can direct you toward:

• Mortgage assistance from a HUD certified housing counselor 
• Legal services 
• Mediation services 
• Other services available through local government agencies and nonprofits

A FORECLOSURE DOES NOT MEAN YOUR HOME IS LOST

Although the foreclosure process has begun on your house and is now a matter of public record, this does not mean that you have lost your home. You may receive offers of “help” from complete strangers in the mail, over the telephone and at your door. Some of these people may attempt to steal the equity you have in your home.

BEWARE OF THESE COMMON "ASSISTANCE" SCHEMES:

• Offers to “fix” or “stop” your foreclosure or other promises to “save” your home
• Promises to “cure” your default or “repair” your credit
• A “guaranteed buy out” or quick “cash for your home”
• Sale and lease-back schemes – a scheme in which you are encouraged to sell your home for a fraction of its current value and then rent it back until you can afford to buy it again
• Don’t sign any documents until you have had time to review them carefully and/or consult legal counsel about your rights
• Remember,  any kind of “deed” (Warranty Deed or Quit Claim Deed) means you are selling your home 

FRAUD - if you suspect fraud on a foreclosure or a scam regarding a loan modification, contact:

Office of the Attorney General 
Consumer Protection Section
1-800-222-4444 www.goag.gov 

Federal Deposit Insurance Company
 1-877-275-3342 www.fdic.gov

Colorado Housing Assistance Corp.
 303-572-9445 www.chaconlilne.org

COMPLAINTS - To file a complaint against an attorney, real estate agent, mortgage broker or lender contact the agencies below:

Colorado Supreme Court (for attorney)
303-457-5800 www.coloradosupremecourt.com

Colorado Department of Regulatory Agencies (for agent or broker) Division of Real Estate
 303-894-2166  www.dora.colorado.gov

Colorado Attorney General 

1-800 222-4444 www.coloradoattorneygeneral.gov 

Consumer Financial Protection Bureau (Federal) (for lender)

1-855-411-2372 www.consumerfinance.gov 

Counseling services (Our office is not affiliated with any of these entities):

Colorado Foreclosure Hotline 
This free 24-hour bilingual service offers assistance and guidance to individuals inquiring about the foreclosure process and their rights and responsibilities. This hotline connects homeowners with trained professional housing counselors.   

1-877-601-4673  www.coloradoforeclosurehotline.org 

Colorado Legal Services
Help for low-income Coloradans with regard to housing law, including foreclosures, evictions, landlord/tenant issues and others. 

 303-837-1313 www.coloradolegalservices.org

Colorado Housing Connects

Colorado Housing Connects provides information on tenant/landlord questions and concerns.

1-844-926-6632 www.coloradohousingconnects.org 

 Brothers Redevelopment, Inc. 
A Denver-based nonprofit organization that offers free default mortgage counseling in English and Spanish to low income, elderly or disabled homeowners who have fallen behind on their mortgage. 

303-202-6340 www.brothersredevelopment.org
 

Denver Housing Authority (DHA)

Offers homeownership counseling services: Pre-Purchase/Post-Purchase/Homebuyer Education classes Default/Foreclosure prevention. Funds to cure Mortgage, HOA, Property Taxes (Must qualify)

720-956-3806 [email protected]

Colorado Housing Assistance Corp

This is a HUD-approved counseling agency that provides free counseling for homeowners who are struggling to make payments.

303-572-9445 www.chaconlilne.org

Hope Now 
 A free counseling service provided by the Homeownership Preservation Foundation whose mission is to help homeowners avoid foreclosure. The Homeownership Preservation Foundation is an independent nonprofit. Counselors are experts in foreclosure prevention and are trained to set up a plan of action designed for your situation. 
Hotline 1-888-995-4673 www.hopenow.com

Making Homes Affordable Programs
 For information on the Making Home Affordable Program and the Home Affordable Foreclosure Alternatives Program. 

1-888-995-4673 www.makinghomeaffordable.gov

Community Economic Defense Project

A Colorado-based non-profit organization that offers free financial assistance to eligible homeowners who are behind on their mortgage, utilities, HOA fees, property tax, lot rent and homeowners’ insurance through the Emergency Mortgage Assistance Program.  303-838-1200 [email protected];  www.cedproject.org

Emergency Mortgage Assistance Program (EMAP). This program helps struggling homeowners with costs associated with homeownership including mortgage, taxes, insurance, HOA dues and more. www.MortgageHelpCO.org