Counseling Housing and Mortgage Coaching Seminars Pre-Purchase Counseling This counseling is designed to assist those individuals who wish to prepare for homeownership. There are many things to consider before purchasing a home and a housing counselor is your best guide. Where to Begin? Attend a first-time homebuyer class or call (303) 572-9445 for an appointment. What to Expect? The counselor will review your credit and financial status.The counselor will help you understand the home buying process including selecting a home and qualifying for a mortgage.You and the counselor will develop an ACTION plan that will help you be successful in your desire to own a home. What You Will Need for the Appointment? Intake Packet (completed)Supporting Documentation (please bring copies we can keep)Proof of IncomeBank StatementsCredit Report (if you have one)BudgetAny other relevant information. (You can discuss specifics when you make the appointment with your counselor) Mortgage Delinquency Counseling Colorado Housing Assistance Corporation, (CHAC), is a HUD Certified Counseling agency that provides free counseling services for homeowners who are struggling to make mortgage payments, are in foreclosure or believe that they may become delinquent soon. Where to Begin? Contact one of our housing counselors and schedule an appointment by calling (303) 572-9445. What to Expect in the Appointment? The counselor will explain and discuss all loss mitigation options available to you.The counselor will review the Foreclosure Process and timeline with you.The counselor will work as your advocate with your lender/servicer.The counselor will provide appropriate referrals and other resources. What You Will Need for the Appointment? Intake Packet (completed)Supporting documentation—please bring copies we can keep: proof of income, bank statements, credit report (if you have one), budget, and any other relevant information. You can discuss specifics when you make the appointment with your counselor. Post Purchase Counseling CHAC can provide counseling and referrals for whatever type of post-purchase, nondelinquency issues the homebuyer has. Those might include but not be limited to: Refinance options, pros, and cons Secondary financing, including HELOC loans for home improvement or other things Referrals for special programs for home repairs or modifications Para consejeria en Espanol comunicese con Rubi Limon (303) 572-9445 ext 10.