DO YOU NEED HELP AVOIDING FORECLOSURE or paying your mortgage?

What are my mortgage relief options?

• Mortgage forbearance policies are expected to end on July 31st, 2021. If you are worried that you may not be able to make your mortgage payments now or in the future, reach out to a certified housing counselor. Housing counselors provide free advice and can help you negotiate with your lender and access assistance programs. See below for a list of contact information.

• For those who want to stay in their home or neighborhood but are worried about rising housing costs, a community land trust (CLT) can help you stabilize your housing costs and leverage your home equity without taking on more debt. To learn about the Stay in Place Program, click here.

Other resources:

• The City and County of Denver offers property tax relief for some homeowners. You may qualify if If you turned 65 or older last year, were disabled all of last year, or own your home and have at least one child who lives with you. Call 720-944-4DHS (4347) or click here to learn more.

• This guide can help you understand how to ask for a mortgage forbearance.

• Jessica Dominguez with the local group Love Thy Neighbor made a video to help you decide if housing counseling is right for you.

How do I find out who my mortgage servicer is?  

• Read your monthly mortgage billing statement.  

• Look in your payment coupon book (if you have one). 

• Call the Mortgage Electronic Registration Systems (MERS) Servicer Identification System toll-free at 888-679-6377 or visit the MERS website.

What happens if I can’t pay a utility bill?

• Denver’s Temporary Rental and Utility Assistance (TRUA) program may be able to help cover your costs. See below for more information about how to apply to TRUA.

• Denver Water customers who are concerned about being able to pay a bill can contact the Denver Water Customer Care team at 303-893-2444, Monday through Friday, from 7:30 a.m. to 5:30 p.m. The Customer Care team can help customers to evaluate options, like payment plans, or connecting the customer with other resources.

• Xcel Energy has some resources available. If you are struggling to pay your bill, call 800-895-4999 or click here for more information.

• LEAP and Energy Outreach Colorado can help cover winter home heating costs. You can call 1 (844) HEAT-HELP to apply for LEAP (November - April) and learn about other energy resources. See more here.

How can I get low-cost internet access?

• Xfinity is offering free wifi hotspots for everyone.  Public hotspots can be found in small/medium businesses and outdoors in commercial areas and are labeled “xfinitywifi.”  Find a map of wifi hotspots here.

• Comcast’s Internet Essentials program offers qualifying customers internet for $9.95/month. Learn more here.

If you need help with emergency home repairs or weatherization services click here.

ORGANIZATION

Del Norte Neighborhood Development Corporation

Brothers Redevelopment

Denver Housing Authority (DHA)

Housing and financial counseling including foreclosure and delinquency counseling

Charlotte O’Donnell (720) 956-3806
codonn@denverhousing.org Limited Spanish available

Southwest Improvement Council (SWIC)

Housing and financial counseling including foreclosure, delinquency, and rental counseling

Lance Guanella
(303) 934-0923
lanceg@swic-denver.org www.swic-denver.org Limited Spanish available

NEWSED CDC

Housing counseling including first-time home buyer education, lending circles (social loans), pre-purchase, foreclosure, and credit/budget counseling, and down payment assistance

303-534-8342 x 100 or ext. 133. Spanish speakers available

Colorado Foreclosure Hotline

A hotline that helps owners who are at risk of foreclosure or in foreclosure proceedings navigate their options

1-877-601-4673 Spanish speakers available

Colorado Housing Connects

A hotline that provides access to general housing and fair-housing resources in the Denver metro area

1 (844) 926-6632 www.coloradohousingconnects.org Spanish speakers available

LEAP, Energy Outreach Colorado

Can help cover your home energy bills if you are behind on payment

1 (866) 432-8435

www.colorado.gov/pacific/cdhs/leap

www.energyoutreach.org/programs-for-individuals/