Facing foreclosure is overwhelming, but you don't have to navigate it alone. At HOAPColorado.org, we're helping Colorado families transform their foreclosure experience from a setback into a strategic step toward financial recovery. We're with you through every stage of the process – from immediate crisis management to your eventual return to homeownership.
As a 501(c)(3) nonprofit organization, HOAPColorado.org operates with one simple principle: your housing stability comes first, not our profits. Unlike for-profit companies that may push expensive services or products, we're here solely to help Colorado families achieve sustainable housing solutions.
When keeping your home isn't possible, we help your lender to arrange a short sale that minimizes damage to your credit score and eliminates deficiency judgments.
Our approach includes dispute resolution for inaccurate reporting, strategic debt restructuring, and step-by-step guidance on rebuilding positive payment history.
Most people can qualify for a mortgage again within 2-4 years after foreclosure with the right strategy. We help you understand waiting periods for different loan types, develop savings plans for your next down payment.
Get in touch with our specialists so we can figure out the best solution moving forward for your specific situation.