The Emergency Mortgage Assistance Program
Emergency Mortgage Assistance Program
Emergency Mortgage Assistance Program (EMAP) is accepting applications. EMAP was created as a temporary, time-limited response to the unprecedented COVID-19 pandemic and the economic hardship it created for many households.
If you are approaching or have exceeded $30,000 in default payments on your mortgage, please contact your mortgage company directly to apply for loss mitigation.
Apply for Emergency Mortgage Assistance
The Emergency Mortgage Assistance Program (EMAP) is open and will continue accepting applications until funds are exhausted.
Individuals Experiencing Foreclosure
If you are facing foreclosure, please contact the CARE Center by phone or text at 720-356-0174, by email at info@carecenter.us, or through chat at https://cedproject.org, Monday through Friday from 8:30 a.m. to 5:30 p.m. As part of your application, you will be asked to provide documentation related to your foreclosure.
Submitted Applications
Individuals and households that have already submitted an application for mortgage assistance will continue to have their applications processed.
For assistance with existing application questions and status updates, please contact the CARE Center by phone or text at 720-356-0174, email at: info@carecenter.us, or by chat at https://cedproject.org Monday through Friday from 8:30 a.m. - 5:30 p.m.
Eligibility
To qualify for assistance from EMAP, homeowners must complete an application and demonstrate that they:
- Have experienced a COVID-related impact to their finances on or after January 21, 2020.
- The hardship could include: job loss; reduction in income; reduction in hours worked; increased costs due to healthcare; increased costs due to the need to care for family members; or other issues which have impacted the household’s income.
- Are owner-occupants of a single-family home, condominium, or a 2- 3- or 4- unit family home (duplex, triplex, quadplex) located in Colorado.
- Owner occupied properties containing 5 or more units, investor-owned properties or vacation homes are not eligible.
- Have an income equal to or less than 150% of Area Median Income for the county in which they reside currently, or at the time of COVID-related financial hardship.
- Have a loan under the conforming loan limits (non-jumbo loan) at time of origination or most recent refinance (loan limits vary by region).
Emergency Mortgage Assistance Program FAQs
EMAP is designed to help eligible Colorado homeowners keep their homes by assisting with:
- Homeowners insurance payment
- Loss of utilities or home energy services
- Paying off or paying down chattel loans
- Lot rent for owner-occupied mobile homes
- Mortgage defaults, delinquencies, and/or foreclosures
- HOA payments, delinquencies, and/or liens
- Past due taxes
Households are eligible for a maximum of $40,000 in one-time assistance, but the full $40,000 is not guaranteed for all cases.
DOLA’s Division of Housing will continue accepting applications until sufficient applications have been received and funds are expected to be expended.
The funds for the program must be spent by September 2026.
If you need mortgage assistance, we encourage you to submit an application with us in addition to contacting your mortgage company. Since our assistance is not guaranteed, we also recommend discussing loss mitigation or other loan modification options directly with your lender.
You might also find it beneficial to speak with a HUD-approved Housing Counselor. A HUD-approved housing counselor is specially trained and certified by the government to help you assess your financial situation, evaluate options if you are having trouble paying your mortgage loan, and make a plan to get you help with your mortgage. To find your nearest HUD-approved housing counseling agency, visit the U.S. Department of Housing and Urban Development website or call 1-800-569-4287.
The State of Colorado has partnered with several nonprofit organizations to provide mortgage assistance. One of those nonprofits will review your application, reach out for additional information if needed, and process your payment. Please respond promptly if you are contacted by representatives from one of our nonprofit partners. Interested individuals with questions and assistance with application questions and status, please contact the CARE Center by phone or text at 720-356-0174, email at: info@carecenter.us, or by chat at https://cedproject.org Monday through Friday from 8:30 a.m. - 5:30 p.m.
We will review cases in the order they are submitted, and we will process as quickly as we can. We will expedite applications in the event that an applicant is in imminent risk of foreclosure. If you have a date of foreclosure, please reach out to the CARE Center by phone or text at 720-356-0174, email at: info@carecenter.us, or by chat at https://cedproject.org Monday through Friday from 8:30 a.m. - 5:30 p.m.
Questions?
If you have any additional questions, please contact the CARE Center by phone or text at 720-356-0174, email at: info@carecenter.us, or by chat at https://cedproject.org Monday through Friday from 8:30 a.m. - 5:30 p.m.
General Housing Resources
If you're facing housing instability in Colorado, there are services available to connect you with emergency assistance, legal help, and longer-term housing support. While resources like vouchers are limited, there are still ways to get help through coordinated statewide programs and referral networks.