Emergency Mortgage Assistance Program (EMAP)
Are you struggling keeping up with those mortgage payments? Did you experience a financial hardship associated with COVID-19?
We can help and we have a counselor to assist and guide you through the process.
EMAP provides homeowners who have experienced a financial hardship associated with the COVID-19 health crisis with money, paid directly to the lender, to cover mortgage payments . Housing costs in arrears starting on or after March 1, 2020, are eligible for the program.
You can also get help with your current month's mortgage payment and future months.
To qualify for mortgage relief from EMAP, you have to meet the below criteria:
- You must have experienced a financial hardship after January 21, 2020, or had a financial hardship that began before January 21, 2020, and continued after January 21, 2020.
- You must provide income documentation and have household incomes equal to or less than 100% of the Area Median Income for your county. (Income is calculated based on the month preceding the month for which assistance is requested.)
- You must currently own and occupy a primary residence in Colorado.
- Your original loan must not be a jumbo loan at the time of purchase or the most recent refinance.
- Funds may only be used for a homeowner's primary dwelling.
- You must provide documentation indicating that you're ineligible for or have been denied a forbearance or will not be eligible for relief from your lender.
For questions or support: