Free foreclosure help in Colorado

Who to call first, by situation

• You are not behind yet but a payment is at risk

  Now, before a payment is missed

  Call Colorado Housing Connects at 844-926-6632. It connects homeowners with HUD-approved housing counselors who can review your budget and the options your servicer offers.

• You are behind but have no foreclosure notice

  Within days of the missed payment

  Call the Colorado Foreclosure Hotline listed by the Colorado Housing and Finance Authority (CHFA), 1-877-601-4673, or one of CHFA's partner counseling agencies. Also ask your servicer for its single point of contact, which Colorado law requires by the 45th day of delinquency for most servicers.

• You got a notice of election and demand or a combined notice

  The same week

  Call the county public trustee's office named on the notice to confirm the sale date and your cure deadline. Then contact a HUD-approved counselor through Colorado Housing Connects to get a complete loss mitigation application in.

• A Rule 120 hearing notice is posted on your door

  At least 7 days before the hearing date

  Use the Colorado Judicial Branch Residential Foreclosures page for form JDF 621 and its instructions. For legal help, apply to Colorado Legal Services, or use the Colorado Bar Association Find a Lawyer page to find a private attorney.

• A sale date is set

  More than 15 calendar days before the sale if you can

  The public trustee's office takes your notice of intent to cure and your proof of a complete loss mitigation application. A housing counselor or attorney can help you meet the 15-day and 14-day cutoffs.

• Your servicer is not following the rules

  As soon as it happens

  File a complaint with the Colorado Attorney General. Its Consumer Credit Unit enforces the Nonbank Mortgage Servicers Act and investigates complaints about mortgage servicers. Filing a complaint does not stop the foreclosure, so keep your other deadlines.

• A company offers to stop the foreclosure for a fee

  Before you sign or pay anything

  Do not pay up front. Colorado's Foreclosure Protection Act bars a foreclosure consultant from collecting any fee until every promised service is done. Report the company to the Colorado Attorney General and talk to a HUD-approved counselor instead.

Official and nonprofit help in Colorado

None of these charge homeowners for foreclosure help.

• Colorado Housing and Finance Authority (CHFA): Foreclosure Prevention

  Lists the Colorado Foreclosure Hotline and CHFA's partner housing counseling agencies that give free foreclosure counseling.

  1-877-601-4673

• Colorado Housing Connects: Help Avoiding Foreclosure

  Statewide housing helpline that connects homeowners who are behind on payments with HUD-approved housing counselors.

  844-926-6632

• Colorado Division of Housing: Emergency Mortgage Assistance Program

  Shows the current status of the state mortgage assistance program (funds fully spent) and lists the CARE Center phone number for counseling and legal help.

  303-838-1200

• Colorado Attorney General: File a Complaint

  Takes consumer complaints, including about lenders and scams, and points homeowners facing foreclosure to free housing counseling.

• Colorado Attorney General, Consumer Credit Unit: Mortgage Servicers

  The program that enforces Colorado's Nonbank Mortgage Servicers Act and investigates complaints about mortgage servicers.

• Colorado Legal Services: Get Help

  Statewide free civil legal aid for low-income Coloradans, with an online application and local office phone numbers.

• Colorado Judicial Branch: Residential Foreclosures

  Explains how to respond to a Rule 120 foreclosure notice and links to form JDF 621 and its instructions.

• Colorado Bar Association: Find a Lawyer

  The state bar's public page for finding a licensed Colorado lawyer through its Licensed Lawyer directory.

• Colorado State Treasurer: Property Tax Deferral Program

  Explains the property tax deferral loan for homeowners 65 and older and active military members, and when applications open.

Colorado Emergency Mortgage Assistance Program (EMAP)

Closed. The Division of Housing's page says all Emergency Mortgage Assistance funds have been fully spent and it cannot provide more help. The U.S. Treasury also reports that the Homeowner Assistance Fund period ended on September 30, 2026. The Division of Housing page points homeowners to the CARE Center at 303-838-1200 for housing counseling and legal help. Separately, Colorado's Property Tax Deferral program for homeowners 65 and older and active military members is run through county treasurers. The State Treasurer's page says it closed for this year on April 1, 2026 and to check back in winter for the 2027 cycle. Applications are taken from January 1 to April 1.

Check the program’s current status

Common questions in Colorado