Colorado Homebuyer Resources

Paula Davis

Welcome

My name is Paula Davis, and I am committed to upholding those who uphold us. At Landed, we’re on a mission to help essential professionals, starting with educators, build financial security near the communities they serve.

We understand that the road to financial security can be long and winding, with unexpected detours and rest stops. We know that not everyone is on the same predictable, linear path. Our hope is to meet you where you are in your financial wellness journey and to connect you with the resources that will be most helpful to you at this point.

We are pleased to share this database of local organizations who offer a wide range of services. They can help with affordable housing options, financial coaching, improving your credit score, homebuyer education, and more. Feel free to connect with the organizations listed here to discover ways to create more financial security in your life. 

We look forward to supporting you in your financial wellness journey.

Paula Davis

Paula Davis
Colorado Lead

National Resources

National Homebuyer Resources


 

Colorado Resources

Affordable Housing

Colorado Community Land Trust

The Colorado Community Land Trust (CCLT) is a nonprofit organization founded in 2002 with the mission of creating, and preserving in perpetuity, affordable homeownership opportunities for moderate-income individuals and families. Originally called the Lowry Community Land Trust, CCLT initially focused on the redevelopment of the former Lowry Air Force Base. In 2006, they expanded their service area to include the entire Denver metro area. If you are a moderate income earner and are interested in purchasing a home, the CCLT may be able to help.


 

Denver

Affordable Housing

Colorado Community Land Trust

The Colorado Community Land Trust (CCLT) is a nonprofit organization founded in 2002 with the mission of creating, and preserving in perpetuity, affordable homeownership opportunities for moderate-income individuals and families. Originally called the Lowry Community Land Trust, CCLT initially focused on the redevelopment of the former Lowry Air Force Base. In 2006, they expanded their service area to include the entire Denver metro area. If you are a moderate income earner and are interested in purchasing a home, the CCLT may be able to help.

Fixer Uppers 4 Educators

A program that helps teachers buy and renovate homes in the Denver area.

LIVE Denver

The Lower Income Voucher Equity Program (LIVE Denver) creates affordable housing options by connecting vacant market rate units with workforce families and individuals. LIVE bridges the gap in contract rent and participant ability to pay through funds provided by The City of Denver, foundations, and employers. Participants contribute 35% of their income towards their rent payment and the rent buy-down funds pay the balance of the rent. To qualify, one person in the household must be working full time and household income levels must be within 40-80% of Area Median Income.

Down Payment Assistance Programs

Colorado Housing Finance Authority (CHFA) Down Payment Assistance

Homebuyers using one of CHFA's first mortgage loan programs to finance their home purchase are eligible to use down payment assistance options. CHFA offers down payment assistance grants for up to four percent of a homebuyer's first mortgage with no repayment required. CHFA also offers second mortgage loans for up to 5 percent of your first mortgage, with repayment of the loan balance deferred until certain events, such as payoff of your first mortgage, or the sale or refinance of the home.

Metro Mortgage Assistance Plus

Metro Mortgage Assitance Plus is a grant program for low and moderate income individuals and families. The program offers a 30-year fixed rate mortgage as well as help with down payment and closing cost assistance of up to 4% of the loan. This program is offered by the Denver Office of Economic Development.

Mortgage Credit Certificate Program

The Mortgage Credit Certificate Program allows qualifying borrowers to receive an annual federal income tax credit equal to 25% of the annual interest they pay on their mortgage loan ($2,000/year maximum). The tax credit enables a taxpayer to subtract the amount of credit from his or her annual total federal income taxes. Borrowers may choose to adjust their W-4 withholding to account for the tax-credit benefit and receive a higher net monthly income. Any excess credit from the MCC may be carried forward for up to three subsequent tax years.

NeighborhoodLIFT

Colorado's Community Resources and Housing Development Corporation (CRHDC) is part of the NeighborhoodLIFT program with Wells Fargo and NeighborWorks® America. NeighborhoodLIFT provides eligible homebuyers with $15,000 of down payment assistance on qualified properties. Assistance is not limited to first time homebuyers; borrowers' annual income must not exceed income limits. Income limits are higher for military service members, veterans, law enforcement officers, pre-K-12th grade teachers, firefighters, and emergency medical technicians.

Financial Planners

mPowered - Colorado Personal Financial Coaching

Free one-on-one financial counseling intended to help clients do the following: take control of their debt, deal with debt collectors, improve their credit, build savings, create a budget, find safe and affordable financial products, and other services based on client needs.

Learning Opportunities

Colorado Housing Finance Authority (CHFA) Homebuyer Education

The Colorado Housing Finance Authority (CHFA) offers free homebuyer education courses in-person in locations across the state or online.

 

 

 National Homebuyer Resources


This document contains links to external websites that are not provided or maintained by or in any way affiliated with Landed. Please note that Landed does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

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