Homeowners Facing Foreclosure & Tenant Resources

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 Colorado Office of Financial Empowerment and Protection as soon as you start falling behind on mortgage payments or as soon as you receive a Combined Notice. 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

 Colorado Office of Financial Empowerment

Phone: 720- 508-6238

Website: www.coag.gov/resources/ofe/ 

mail: [email protected] 


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.


  • 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,  executing any kind of “deed” (Warranty Deed, Quit Claim Deed, etc.) means you are selling your home!

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

Colorado Attorney General, Consumer Protection Unit
1300 Broadway, 10th Floor, Denver, CO, 80203 
720-508-6000 www.coag.gov 

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

Colorado Housing Assistance Corp.
303-572-9445 chaconline.org 

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

Colorado Attorney General 

1300 Broadway, 10th Floor, Denver, CO  80203

720-508-6000 www.coag.gov 


Colorado Division of Real Estate 

1560 Broadway, Suite 925, Denver, CO 80202

303-894-2166  dre.colorado.gov 


Consumer Financial Protection Bureau 

P. O. Box 27170, Washington, DC 20038

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


Colorado Supreme Court 

2 E 14th Ave, Denver, CO 80203 

303-457-5800 www.coloradosupremecourt.com 

Counseling services:

Jefferson County Community Development

Administers a variety of grants and programs through community partnerships. Connects people with resources from HUD and helps ensure Fair Housing compliance within Jefferson County


Jefferson County Human Services

Human Services provides resources to Jefferson County Residents who are facing housing difficulties.



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 


Colorado Coalition for the Homeless

Offers many services to help prevent homelessness.

303-293-2217  www.coloradocoalition.org 


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 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  chaconline.org 

Colorado Housing Connects

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

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

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

303-837-1313 www.coloradolegalservices.org 


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: [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 

Heading Home
Heading Home is a collaboration of individuals, public service, and faith-based organizations from the community determined to end homelessness in Jefferson County.



995Hope Your Partner in Housing 
 A free counseling service provided by the Homeownership Preservation Foundation whose mission is to help homeowners avoid foreclosure. 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.995hope.org