How It Works
Comprehensive support. Immediate relief. No upfront cost.
When your home and financial stability are at risk, you don't have time for delays, empty promises, or complicated approval processes. You need real solutions, delivered fast. That's exactly what we provide.
- 1
Reach out
Call, email, or fill out the form. We respond same-week — same-day for urgent Notice-of-Default situations.
- 2
Free intake
A 15-minute call to understand your situation, identify any urgent deadlines, and explain Colorado's foreclosure timeline.
- 3
Resource Counselor consultation
Phone or in-home meeting with a COHFP Resource Counselor. We review your loan, your finances, and every legal option.
- 4
Written action plan
You receive a plan in writing — usually within 24–72 hours. It lists every viable path with pros, cons, and the next concrete step.
- 5
You choose the path
Modification, forbearance, short sale, deed in lieu, sale, or stand-pat. You stay in control of every decision.
- 6
Implementation & follow-through
We coordinate with your servicer, attorneys, and agents. We stay with you until the crisis is resolved — not just until the meeting ends.
Our Level-UP Programs
Where others stop, we keep going.
Priority Assistance Program — Fast Track
Same-day response for urgent foreclosure situations. Direct line to a Resource Counselor, immediate solutions in the first call, and help navigating official Notice-of-Default deadlines.
Home Partnership Initiative (HPI)
When repairs are blocking a sale or refinance, HPI helps fund roofing, plumbing, electrical, safety, deferred maintenance, and pre-sale work — so you can maximize equity instead of losing it.
- No income qualification
- No upfront fees, ever
- Free educational resources
- Trusted local referrals when you need them