Homeowner Assistance FAQ
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      2. Homeowner Assistance FAQ

      What are the eligibility requirements of EMAP?

      Eligibility Requirements for the Colorado Emergency Mortgage Assistance Program

      COVID related impact to finances after January 21, 2020.

      Financial Impact could include

      • Job Loss
      • Reduction in Income
      • Reduction in Hours
      • Increase in healthcare costs
      • Increase costs due to care for family
      • Other issues that have impacted household income
      Owner-occupants of home or condominium

      Home/Condominium include

      • Single family home or condominium
      • 2, 3, or 4 family home located in Colorado
      • Does not include owner-occupied properties of 5 or more units
      • Does not include investor-owned properties or vacation homes
      • Is not listed as For Sale
      Income Qualifications Equal to or less than 150% Area Median Income (AMI) in the county in which homeowner reside or at time of COVID related hardship occurred.
      Loan Status Loan is under a conforming loan limits (not a jumbo loan) during most recent refinance or time of loan origination (loan limits vary by region).