Pre-Purchase Counseling

Homebuyer Preparation

Are you ready to buy a home? Before you visit a realtor or lender, we recommend the following:

Review your credit report and make corrections or updates
Establish a savings account and reduce your debt
Stabilize your income and employment
Attend a homebuyer workshop to ensure you understand the process of buying a home
Contact a local housing counseling agency to meet with a counselor one-on-one to review your options for buying a home

Pre-Purchase Counseling Services

You can meet one-on-one with a counselor to discuss the criteria for buying a home, review mortgage products for first time homebuyers, determine a budget and overall credit history information, understand the steps to buying a home, and learn about closing and post closing information. Counselors can assist clients in preparing an "action plan" to follow to prepare for homeownership. Documentation usually required for a homebuyer preparation appointment will include current pay stubs for your most recent months of employment, two years tax returns and W-2s, credit information (if applicable), and three months of bank statements. Additional information may be required.

How To Make An Appointment

To schedule an appointment, contact one of the following agencies. Agencies are listed in geographical order. Start your contact research with organizations or groups that are closest to your location:

Boulder

Colorado Springs / Southern Colorado

Denver Metro Area

Fort Collins / Northern Colorado

Statewide

Western Colorado

Note: Downpayment Assistance Loans/Grants — There a variety of downpayment loans and grants available, however, due to the number of programs, changes in these programs and availability, you should discuss this with your counselor. They will be able to determine what specific programs are available and whether you meet the criteria for these programs.

Boulder

Boulder County Housing Counseling Program
3482 North Broadway, Boulder, CO 80304
Services: Boulder County Housing Counseling Program offers comprehensive housing counseling in the areas of pre-purchase, default/foreclosure prevention, credit repair/budgeting and reverse mortgage (HECM) counseling. The Program also offers a monthly CHFA-certified homeownership education course and quarterly financial management education course. Boulder County Housing Authority is a HUD-approved counseling agency and has been providing comprehensive housing counseling services for more than 20 years. Spanish interpretation provided for the classes upon request and for one-on-one appointments.
Main Number: 720-564-2279
www.co.boulder.co.us/cs/ho/counseling/index.htm

Top

Colorado Springs / Southern Colorado

Colorado Rural Housing Development Corporation - Colorado Springs
702 East Boulder St, Colorado Springs, CO 80903
Services: Provides credit counseling, budget and savings counseling, low interest loans, down payment assistance, forgivable grants (as available), homebuyer education workshops, adult financial literacy workshops, foreclosure prevention counseling, and post-purchase counseling.
Main Number: 719-577-4998 Toll-Free 800-899-0535
www.CRHDC.org

Colorado Rural Housing Development Corporation - Alamosa
1016 W Ave, Alamosa, CO 80903
Services: Provides Self Help, home owner built programs, credit counseling, budget and savings counseling, low interest rare loans, down payment assistance, forgivable grants (as available), homebuyer education workshops, adult financial literacy workshops, foreclosure prevention counseling, and post-purchase counseling.
Main Number: 719-589-1680
www.CRHDC.org

Consumer Credit Counseling Service - Pueblo
200 W 1st St, Suite 203, Pueblo, CO 81003
Services: Consumer Credit Counseling Service of Southern Colorado provides advice, assistance, education, and counseling in areas such as first-time home buyers issues, foreclosure prevention, rental delinquency, and reverse equity mortgages.
Main Number: 719-542-6620 Toll-Free 888-218-5741
www.cccs.net

Consumer Credit Counseling Service of Southern Colorado on Academy Blvd
5265 North Academy Blvd, Suite 100, Colorado Springs, CO 80918
Services: Consumer Credit Counseling Service of Southern Colorado provides advice, assistance, education, and counseling in areas such as first-time home buyers issues, foreclosure prevention, rental delinquency, and reverse equity mortgages.
Main Number: 719-598-2227
www.cccs.net

Consumer Credit Counseling Service of Southern Colorado on Plaza Drive
1233 Lake Plaza Drive, Suite A, Colorado Springs, CO 80906-3555
Services: Consumer Credit Counseling Service of Southern Colorado provides advice, assistance, education, and counseling in areas such as first-time home buyers issues, foreclosure prevention, rental delinquency, and reverse equity mortgages.
Main Number: 719-576-0909 Toll-Free 800-798-3328
First-Time Home Buyers Registration Line - 719-576-0909 ext 222
www.cccs.net

Tri-County Housing, Inc.
34385 Highway 167, Fowler, CO 81039
Services: Tri-County Housing, Inc. serves Bent, Crowley and Otero counties. Housing counseling is provided on a monthly basis with one-on-one available upon request.
Main Number: 719-263-5168

Top

Denver Metro Area

Adams County Housing Authority (A.C.H.A.)
7190 Colorado Blvd., - 6th Floor, Commerce City, CO 80022
Services: A.C.H.A. participates in federally funded programs to assist people to become homeowners and prevent foreclosure and/or eviction. Utility assistance is also available periodically. Our mission is to assist and support the members of the community in fulfilling their housing needs.
Main Number: 303-227-2075
www.AdamsCountyHousing.com

American Sunrise Communities
7351 E. 29th Ave., Denver, CO 80238
Services: American Sunrise Communities is a 501(c) (3) established by former HUD Secretary Henry Cisneros. ASC is an innovative national endeavor that seeks to strengthen urban communities by making homeownership available to hardworking, financially challenged, American families. HomeStart(tm), our core program, unites private builders, community lenders, public institutions, major employers, labor organizations and non-profit community groups to provide genuine affordable housing opportunities for income-limited Americans.
303-321-7100
www.AmericanSunrise.org

Arapahoe County Housing Authority
1690 W. Littleton Blvd, #300, Littleton, CO 80120-2069
Services: We are responsible for administering Arapahoe County Homebuyer program, Section 8 Rental Subsidy and the Family Self Sufficiency program. Visit our website for more information and look for Services - Housing.
Main Number: 303-738-8060 TTY: 303-738-7915 TDD: 303-738-8033
www.co.arapahoe.co.us/Departments/CS/HCDS/firsttime.asp

Brothers Redevelopment, Inc. (BRI)
2250 Eaton Street, Suite B, Denver, CO 80033
Services: Brothers Redevelopment (BRI) is a private non-profit organization providing housing services including comprehensive housing counseling and education. BRI is certified by HUD as a Comprehensive Housing Counseling Agency and has been providing housing counseling since 1986.
Main Number: 303-202-6340 Toll-Free 800-258-1274
www.briathome.org

City of Aurora - Home Ownership Assistance Program (HOAP)
9898 E. Colfax Ave., Aurora, CO 80010
Services: We provide home ownership assistance to anyone looking to purchase a property in the city of Aurora that meets income level requirements. We offer comprehensive reverse mortgage counseling and default counseling. Visit our website and follow the links - Community to Community Development to Counseling Services.
Main Number: 303-739-7900
www.AuroraGov.org

Colorado Homeowner Assistance Project
123 North College Ave, Suite 200, Fort Collins, CO 80524
Services:
970-212-4600

Colorado Housing and Finance Authority (CHFA)
1981 Blake Street, Denver, CO 80202-1272
Services: The Colorado Housing and Finance Authority (CHFA) is a public enterprise working to finance affordable housing, businesses and economic growth opportunities for Colorado. CHFA offers financing in three main areas: (1) Homeownership mortgages to qualifying low- and moderate-income Colorado individuals and families; (2) Rental housing loans for new construction and rehabilitation of existing facilities, and administration of the Low Income Housing Tax Credit (LIHTC) program; and (3) Commercial loans to locally-owned businesses in Colorado.
Homebuyer Education: All CHFA borrowers are required to attend a CHFA Approved Homebuyer Education Class prior to the closing of the CHFA loan for the purchase of a home. Borrowers who complete this class prior to signing a contract to purchase the home are offered an early reservation incentive. These CHFA Approved Education Classes are held in all areas of Colorado and are offered at no cost to you.
Main Number: 303-297-7354 Toll-Free 1-800-877-2432 ext 376
www.colohfa.org

Colorado Housing Assistance Corporation (CHAC)
670 Santa Fe Dr, Denver, CO 80204
Services: CHAC is a statewide agency that offers free regularly scheduled homebuyer and home ownership workshops to help first time homebuyers prepare for home purchase, financing and successful home ownership. CHAC also provides down payment assistance statewide.
Main Number: 303-572-9445
For class information and registration call 303-572-9445, ext. 12
www.ColoradoHousingAssistance.org

Colorado Housing Enterprises, LLC
3621 W 73rd Ave, Suite C, Westminster, CO 80030
Services: Provides credit counseling, budget and savings counseling, low interest rate loans, down payment assistance, forgivable grants, (as available) homebuyer education workshops, adult financial literacy workshops, foreclosure prevention counseling, and post-purchase counseling.
Main Number: 303-428-1989 Toll-Free 800-566-1252
www.CRHDC.org

Colorado Rural Housing Development Corporation
3621 W 73rd Ave, Suite C, Westminster, CO 80030
Services: Provides credit counseling, budget and savings counseling, low interest rate loans, down payment assistance, forgivable grants, (as available) homebuyer education workshops, adult financial literacy workshops, foreclosure prevention counseling, and post-purchase counseling.
Main Number: 303-428-1989 Toll-Free 800-566-1252
www.CRHDC.org

Consumer Credit Counseling Service of Greater Denver
10375 E. Harvard Avenue, Suite 300, Denver, CO 80231
Services: Housing counseling services provided are foreclosure prevention, pre-purchase, refinancing, predatory lending concerns and homebuyer workshops. Spanish services are available for foreclosure prevention counseling.
Main Number: 303-632-2100 Toll-Free 800-224-9885
www.CCCSDenver.com

Douglas County Housing Partnership
9350 Heritage Hills Circle, Lone Tree, CO 80124
Services:
Main Number: 303-784-7857
www.DouglasCountyHousingPartnership.org

Del Norte NDC - Mercedes Fuentes, Homeownership Counselor
2926 Zuni St., Suite 202, Denver, CO 80211
Services: Del Norte NDC provides foreclosure prevention counseling, homebuyer education and financial fitness classes for consumer education.
303-477-4774
Email: mfuentes@delnortendc.org
www.DelNorteNDC.org

Northeast Denver Housing Center
1735 Gaylord Street, Denver, CO 80206
Services: Counseling offered includes foreclosure prevention, new homeownership and reverse equity counseling. Design and Development - real estate developer involved in production of affordable and economical projects throughout the community.
Main Number: 303-377-3334
www.NEDenverHousing.org

Southwest Improvement Council - SWIC
1000 S. Lowell Blvd., Denver, CO 80219
Services: SWIC will help you get and keep affordable housing. We have down payment assistance, housing counseling of all types, and help with financial management (budgets and debt reduction counseling). Many other services including food, clothing, hot lunch for seniors, recreation and education for children, and health promotion programs for adults.
Main Number: 303-934-2181 Fax: 303-934-0035
www.swic-denver.org

The Uptown Partnership, Inc. (TUP)
740 E. 18th Ave, Denver, CO 80203
Services: The Uptown Partnership (TUP) is a non-profit housing developer. TUP builds new homes and remodels existing homes for sale to low- and moderate-income and disabled home buyers. Frequently TUP has special financing available for first time home buyers purchasing TUP developed homes.
Main Number: 303-832-6832

Top

Fort Collins / Northern Colorado

Consumer Credit Counseling Service of Northern Colorado and SE Wyoming
1247 Riverside Ave, Fort Collins, CO 80524
Services: Non-profit agency whose mission is to improve the well-being of families and individuals by helping prevent and resolve financial problems and learn money management skills. We have housing services offered regarding purchasing a home, homebuyer classes, avoiding foreclosure, reverse mortgage for senior citizens, and credit report reviews.
Main Number: 970-229-0695 Toll-Free 800-424-2227
For appointment and workshop information call 800-424-2227 ext 300 or 970-229-0695 ext. 300
www.cccsnc.org

Neighbor to Neighbor
424 Pine Street, #203, Fort Collins, CO 80524
565 No. Cleveland, Loveland, CO 80537
Services: Neighbor to Neighbor provides HUD Certified housing counseling along all points of the housing continuum from the homeless to home ownership to reverse mortgages for older adults. Special focus on first-time home buyer classes, foreclosure prevention, and reverse mortgages.
Main Fort Collins Number: 970-484-7498
Main Loveland Number: 970-663-4163
www.N2N.org

Top

Statewide

Colorado Housing Assistance Corporation (CHAC)
670 Santa Fe Dr, Denver, CO 80204
Main Number: 303-572-9445
www.ColoradoHousingAssistance.org

Colorado Housing and Finance Authority (CHFA)
See their listing in the Denver Metro Area section

Colorado Housing and Finance Authority (CHFA)
1981 Blake Street, Denver, CO 80202-1272
Main Number: 303-297-7354 Toll-Free 1-800-877-2432 ext 376
www.colohfa.org

Colorado Housing Enterprises, LLC
3621 W 73rd Ave, Suite C, Westminster, CO 80030
Main Number: 303-428-1989 Toll-Free 800-566-1252
www.CRHDC.org

USDA, Rural Development
655 Parfet Street, Room E100, Lakewood, CO 80215
Services: The Rural Development Single-Family Housing Program provides home ownership opportunities to low and moderate-income rural residents of Colorado through several loan, grant, and guarantee programs. Funding is also available to individuals to finance vital improvements necessary to make their homes decent, safe, and sanitary. Income and mortgage limit restrictions apply to most programs.
Main Number: 720-544-2919
www.rurdev.usda.gov/co/index.html

Top

Western Colorado

Consumer Credit Counseling Service - Grand Junction
225 N 5th St, Suite 11, Grand Junction, CO 81501
Services: Consumer Credit Counseling Service of Grand Junction provides advice, assistance, education, and counseling in areas such as debt management, CHFA first-time home buyer programs, foreclosure prevention, and default housing counseling.
Main Number: 970-242-2000 Toll-Free 800-224-9885
www.cccsDenver.net

Grand Valley Housing Initiatives
1011 N. 10th St., Grand Junction, CO 81501
Services: GVHI Provides pre purchase counseling, homebuyer education, loss mitigation/preforeclosure counseling, budgeting and credit counseling.
Main Number: 970-245-0388
www.GVHI.org