We believe stable housing is the foundation for our community’s health and success.

If you are behind or struggling to keep up with your mortgage due to the financial impacts of Covid-19, Neighbor to Neighbor is here to help. Before beginning your online application, please read below for program qualifications.

Covid-19 Mortgage Assistance

Before proceeding, please be aware of the following:

It is important to only apply once, as duplicate applications may complicate the process. If you were previously assisted by N2N and need additional assistance, please do not complete another application. Instead, you may call (970) 829-0296 and leave a voicemail stating that you would like to reapply. A client coordinator will get back to you with next steps.

Colorado Emergency Mortgage Assistance Program (EMAP)

EMAP provides financial assistance for income-eligible homeowners who have experienced a financial hardship associated with the COVID-19 health crisis. Neighbor to Neighbor is a participating agency in this statewide program and is assisting with the processing of EMAP applications.

Qualifying homeowners may be eligible for assistance with costs associated with mortgage, property tax, homeowner’s insurance, homeowners’ association (HOA) fees, or utilities.

To qualify, households must meet all of the following criteria:

  • Attest that they experienced a financial hardship after January 21, 2020 associated with the COVID-19 pandemic
  • Provide income documentation and have household incomes equal to or less than 100% of the Area Median Income (see AMI chart below)
  • Currently own and occupy a primary residence in Colorado
  • Original loan was not a Jumbo Loan at the time of purchase or most recent refinance

Learn more about the Colorado Emergency Mortgage Assistance Program.

Apply Now for Mortgage Assistance

2022 Area Median Income (AMI)

# People in HouseholdMedian (100%)60% AMI50% AMI30% AMI
1$75,200$45,120$37,600$22,560
2$85,800$51,480$42,950$25,740
3$96,600$57,960$48,300$28,980
4$107,300$64,380$53,650$32,190
5$115,900$69,540$57,950$34,770
6$124,500$74,700$62,250$37,350