Services
All services provided at no upfront cost to you.
In-home counseling, phone counseling, and our flagship Home Partnership Initiative and Priority Assistance (Fast Track) programs — all built around your goals, not a one-size-fits-all script.
Foreclosure Prevention
Stop the foreclosure clock and explore every option to keep your home.
Learn moreLoan Modification
Renegotiate your mortgage terms to a payment that actually fits your life.
Learn moreShort Sale
Sell on your terms when you owe more than the home is worth.
Learn moreForbearance
Temporarily pause or reduce payments while you get back on your feet.
Learn moreDeed in Lieu of Foreclosure
Hand the keys back cleanly — and protect your credit on the way out.
Learn morePre-Foreclosure Help
The window where you have the most options — let's not waste it.
Learn moreWhy COHFP
Built for Colorado homeowners, not for lenders.
- No upfront cost and no income test
- Same-week response for urgent situations
- Colorado Public Trustee process expertise
- Confidential, judgment-free counseling
- Coordinated handoff to attorneys when needed