Mortgage Counseling

If you are experiencing difficulty making your mortgage payment and would like some assistance in working with your lender or other possible options, please contact us by e-mail at [email protected] 

For additional information go to Counseling under the Education and Counseling tab.

CHAC For specific information

For new loan applications or processing, e‑mail [email protected]. For questions about an account or to request a payoff statement e‑mail [email protected]. For Housing Counseling or Homebuyer Education Class information e‑mail [email protected]. For general information Phone: (303) 572-9445. Fax: (303) 573-9214. E‑mail: [email protected]

Free Site-Based Class

SITE BASED CLASS at CHAC 670 Santa Fe Dr, Denver, CO 80204.

CHAC  offers a free site-based class twice a month. You can register for the class under the Education and Counseling drop-down tab.

2023 Income Limits

CHAC 2023 Income limits vary with % of income,

geographic location of the property, first mortgage product, etc.

Please see details under each loan type - Lender Forms

Mortgage Assistance Program Descriptions

or call Veronica Ware ([email protected]) for additional information

CHAC Holiday Closures

CHAC will be closed February 19th for Presidents Day

CHAC - Counseling and Financial Assistance for homeownership

Education and Counseling

Adult Education

CHAC provides education and counseling for clients looking to buy, as well as those experiencing problems with their mortgage or thinking about a refinance, home equity loan, or other housing issues.

Financial Assistance


CHAC provides low interest, flexible loans to low and moderate income first-time homebuyers for a down payment and closing cost assistance throughout Colorado.


Customer Service

Since 1982, it has been our goal to provide timely and respectful service to all our customers: First time home buyers, borrowers, lenders and realtors, funders, public officials, and partners.