Housing Counseling Services

 
ACHA’s Housing Counseling program offers a full range of services to individuals and families designed to assist them in resolving their housing-related issues and to help them to understand the responsibilities of tenancy and homeownership. ACHA clients work with certified housing counselors to thoroughly review the situation and together design an action plan to solve the problem at hand. Through this process, counselors give their clients available options to choose from and then let the client select he option best-suited for their unique household circumstances.
 
AREAS OF COUNSELING AVAILABLE:
 
Pre-Purchase Counseling
One-on-one housing counseling provides tailored sessions to fit your individual needs. This includes counseling for personal credit issues, money management and budgeting, as well as an in-depth look at the debt to income ratios used to qualify you for your first home. And there is no time limit for homeownership counseling—we will work with you based on your individual needs to meet your homeownership goals. To sign up for a homeownership counseling session, email This email address is being protected from spambots. You need JavaScript enabled to view it. or call at 303-227-2719 to set up an appointment with a Housing Counselor 
 
Foreclosure Prevention Counseling
Homeowners that are facing financial difficulties to make the mortgage payments work with a Housing Counselor to avoid foreclosure by helping the client to develop a short term intervention plan to negotiate with the lender a workout solution and a long-term plan to stabilize the client’s housing needs. The comprehensive plan includes credit repair, budgeting, debt and money management, employment, and education. The dual approach to short-term intervention and long-term stability reduces the risk of foreclosure and homelessness creating an environment for family self-sufficiency. 
 
Clients are penciled to participate in a foreclosure prevention workshop before seeing the Counselor in an one on one meeting. The foreclosure prevention workshop educate homeowners in the Colorado foreclosure timeline, the different workout solutions the lenders have to help clients to avoid foreclosure, how to talk to the lender and how to create a successful loan modification packet to request the lender a positive outcome to cure the delinquency. Clients are advised on the types of documentation that they must bring to the counseling session including verification of income, expenses, hardship letter and mortgage documentation including mortgage statement, loan modification packet received from the lender and foreclosure documents if the home is in foreclosure. 
 
At the end of the seminar clients schedule an one on one meeting with a Housing Counselor to start the process of engagement for this service. 
 
Back to Work Counseling – B2W (Extenuating Circumstances) provides a counseling session to fit the required scope of the services for this program: this includes counseling for personal credit issues, money management and budgeting, as well as an in-depth look at the debt to income ratios used to qualify you for your home. The counseling also address the cause of the economic event that originated the short sale, deed in lieu, bankruptcy or foreclosure and the actions taken to overcome this event and reduce the likelihood of reoccurrence. At the end, the prospective homeowner will receive a Certification Letter from the agency that states counseling was delivered in accordance with the HUD requirements for this program and will receive also copies of the housing counseling agency disclosures required by HUD. If you need to schedule an one on one meeting with one of our Housing Counselors, please call at 303-227-2719, email us at This email address is being protected from spambots. You need JavaScript enabled to view it. or click here to request the appointment.
 
Rent/Mortgage and Utilities Delinquency Assistance and Counseling- Adams County Housing Authority (ACHA) provides rental/mortgage and utilities assistance to eligible Adams County  residents who are at risk of becoming homeless through eviction/foreclosure or are having financial difficulties paying the gas or electricity.  Rental assistance is offered on a first-come, first-served basis to families and individuals who are one month delinquent in rent due to events beyond their control that have either increased their expenses or reduced their income such as unanticipated medical expenses, car repairs, reduced employment or loss of employment.  To be eligible, applicants must have a current source of income and a reasonable plan to pay future rental payments preventing further delinquency; this assistance is expected to help stabilize families for at least 30 days allowing the household to regain self-sufficiency.  Additionally the applicant must demonstrate to the housing counselor that they are a resident of the unit and responsible for paying the rent and all other possible resources have been exhausted.
 
In order to apply for this type of assistance, you have to attend a workshop first. For more information on eligibility and application procedures, please contact the main office at 720-295-0111.  To request utilities assistance, click here.
 
EDUCATION - WORKSHOPS
 
ACHA’s Housing Counseling Services provides different types of workshops every month to educate individuals and families in many topics related to housing and financial aspects with the main goal of helping them to become responsible tenants and homeowners. If you want to view our calendar of workshops already scheduled click here
 
Foreclosure Prevention Workshops - Workshops are free of charge and open to the community throughout the month.  Clients learn about Colorado's foreclosure timeline, ways to cure default, disposition strategies, how to talk to the lender, financial strategies and implications of short-sales and foreclosure.  To register for a seminar, please click here or contact us at 303-227-2719.
 
Homeownership Program - CHFA certified workshops are free of charge and open to the community throughout the month.  Clients learn about special programs for first time homebuyers.  The class covers issues like finding the right realtor, selecting a lender, protecting your investment, and determining if buying a home is the right choice for you.  To register for the seminar, please click here or contact us at 303-227-2719.
 
 
Rent/Mortgage and Utility Workshops: For more information about workshops and locations, please contact the main office at 720-295-0111 or click here to see our Calendar of Events.