Personal Finance Appointments

Personal Finance Appointments

Mortgage Matters

Assessment

  • Are you considering refinancing your mortgage?
  • Have you thought about consolidating debt into a home loan?
  • Are you worried about making next month’s mortgage or HOA payment?
  • Do you think that your house payment could be more affordable?
  • Are you behind on your mortgage or HOA payment?
  • Are you paying your mortgage later in the month than usual?
  • Does your home need energy efficiency upgrades or repairs?
  • Are you a homeowner over age 62 and having financial worries?
  • Have you considered a reverse mortgage?


If any of these apply to you, we would love to talk to you more about options and resources available to you.

During hard times, paying for your mortgage can be challenging and stressful. We can help you make a plan to get back on track.

How we can help:

  • Develop a realistic spending plan to help you decide next steps
  • Become knowledgeable and confident in making choices to avoid foreclosure
  • Understand options available with your mortgage company
  • Get tools to work effectively with your lender

If you are considering refinancing or taking out an additional or different mortgage there are a lot of considerations. What to feel more confident about your decision? We can help you:

  • Develop a spending plan to decide on next steps
  • Review loan documents as an objective professional
  • Discuss advantages, disadvantages and alternatives

Questions?

Email: personalfinance@bouldercounty.org
Phone: 720-564-2279

Schedule Appointment

Helpful Resources:

Reverse Mortgage

If you’re a homeowner over age 62, a reverse mortgage can allow you to access some of the equity in your home while you continue to live in the home without monthly mortgage payments. We currently offer this service to Boulder County residents only.

We can help you to:

  • Understand what a reverse mortgage is and how it may impact your unique circumstances
  • Know the costs and advantages and disadvantages of using a reverse mortgage
  • Understand alternatives
  • Receive the counseling certificate required to apply for this loan.

Questions?

Email: personalfinance@bouldercounty.org
Phone:720-564-2279

Schedule Appointment

Helpful Resources:

Buy a Home

Purchasing a home can be an exciting and complicated opportunity. We can help you make informed choices and better understand the process to become a homeowner.

We offer two options. You can take advantage of one or both of these resources.

OPTION 1: Homeownership Class

(CHFA Approved)
You can attend our Homeownership class to learn about the homeownership process. This class gives you a great knowledge base. Topics include:

  • Determine how much home you can afford
  • Gain perspective on the upfront and ongoing costs of being a homeowner
  • Identify how your credit impacts your buying power
  • Become confident in figuring out mortgage loan options and documents
  • Increase your skill and knowledge for working with a realtor
  • Boost your understanding of home inspections
  • Register for workshop

OPTION 2: Individual Homeownership Counseling

(Does not meet CHFA requirement)

We also offer individual counseling on the topic of home purchase to discuss your unique circumstance. As a bonus, if you attend the class prior to an individual session, you receive a gift card!

During your appointment, we will work with you to:

  • Address your individualized situation and create a plan for your path to homeownership
  • Determine a mortgage amount you can afford
  • Create a spending plan that supports homeownership
  • Become knowledgeable and confident in navigating the home buying process
  • Review and improve your credit to qualify for the best loan possible
  • Establish connections with local affordable housing resources that support your path to homeownership

Questions?

Email: personalfinance@bouldercounty.org
Phone: 720-564-2279

Schedule Appointment

Helpful Resources:

Student Loans

  • Do you feel that your student loan payments could be more affordable?
  • Have you considered consolidating your student loans?
  • Are you unsure of what kind of student loans you have and how much you owe?
  • Are your student loans in deferment or forbearance?
  • Are you not taking advantage of income-based repayment plans?
  • Have you received offers of plans to consolidate your loans?
  • Do you want to explore loan forgiveness options like public service loan forgiveness or teacher loan forgiveness?


If any of these apply to you, we would love to talk to you more about options and resources available to you.

There is 1.2 trillion dollars’ worth of outstanding Federal student loan debt in the U.S.

  • Many repayment plans exist and continue to be developed to help borrowers. There are also a lot of debt relief offers that can bump you off track.*
  • Our counselors are trained to help you navigate the repayment options and process.

We will partner with you to:

  • Figure out what kinds of loans you have
  • Approximate potential repayment plans and amounts
  • Navigate methods to get out of default
  • Help determine if loan consolidation is a good option for your situation
  • Inform on existing government loan forgiveness and deferment programs
  • Discuss how student loans impact your credit
  • Examine how student loans affect buying a home


*American Student Assistance. (2013). Many consolidation and repayment plan offers are solicited to borrowers. Many of these plans consolidate federal student loan debt into private debt. By refinancing into private loans you may lose some important and helpful forbearance, deferment, and loan forgiveness options.

Questions?

Email: personalfinance@bouldercounty.org
Phone: 720-564-2279

Schedule Appointment

Helpful Resources:

Financial Well-being

Assessments:

✔ Are you Financially Fit?
✔ How much do you know about credit?

Financial well-being is the ability to live your life with low stress around your money. Each person’s financial reality is unique and we can help you to create your individual path to well-being.

We will partner with you to:

  • Establish financial goals that are meaningful and attainable
  • Develop a realistic and workable spending plan
  • Define savings goals and strategies
  • Review and improve your credit
  • Create a focused payment plan to get out of debt
  • Develop sustainable financial knowledge, empowerment and confidence

Questions?

Email: personalfinance@bouldercounty.org
Phone: 720-564-2279

Schedule Appointment

Helpful Resources:

Contact Us

Housing & Human Services

Phone: 303-441-1000
TTY: 1-800-659-3656
Fax: 303-441-1523
Submit a question

Mailing Address
P.O. Box 471
Boulder, CO 80306

Boulder Location

3460 Broadway
Map & Directions

2525 13th St, Suite 204
Map & Directions
Fax: 720-564-2283
Hours: 8:00 AM - 4:30 PM - M-F

Longmont Location

515 Coffman Street
Map & Directions
Hours: 8:00 AM - 4:30 PM - M-F

Housing & Human Services

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