Amended fire restrictions: Stage 1 fire restrictions in western Boulder County. Fire restrictions rescinded in eastern Boulder County.

Personal Finance Appointments

Personal Finance Appointments

Mortgage Matters

Assessment

  • Are you thinking about refinancing your mortgage?
  • Have you considered combining your debts into a home loan?
  • Are you worried about making next month’s mortgage or HOA payment?
  • Do you think your house payment could be more affordable?
  • Are you behind on your mortgage or HOA payments?
  • 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 62 with financial worries?
  • Have you thought about getting a reverse mortgage?


If any of these apply to you, we’d love to talk to you about the options and resources available to help.

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.gov
Phone: 720-564-2279

Schedule AppointmentSolicite una cita

Helpful Resources:

I Want to Buy a Home

While purchasing a home is an exciting opportunity, it can be complicated. We can help you make informed choices and better understand what it takes 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:

  • Figuring out how much home you can afford
  • Perspective on the upfront and ongoing costs of being a homeowner
  • How your credit impacts your buying power
  • Information about mortgage loan options and documents
  • How to best work with a realtor
  • Understanding home inspections

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.

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.gov
Phone: 720-564-2279

Schedule AppointmentSolicite una cita

Helpful Resources:

Reverse Mortgages

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, as well as the advantages and disadvantages of using a reverse mortgage
  • Understand alternatives
  • Receive the counseling certificate required to apply for this loan

Questions?

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

Schedule AppointmentSolicite una cita

Helpful Resources:

Financial Wellbeing & Money Management

Assessments:

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

Financial well-being means living with less stress about money. Since everyone’s financial situation is unique, we can help you create a personalized plan for your financial health.

We will work 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 knowledge and confidence around your finances

Questions?

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

Schedule AppointmentSolicite una cita

Helpful Resources:

Student Loans

  • Do you think your student loan payments could be more affordable
  • Have you thought about combining multiple student loans into one loan?
  • Are you unsure about what types of student loans you have and how much you owe?
  • Are your student loans in deferment or forbearance?
  • Are you not using income-based repayment plans?
  • Have you received offers 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’d love to discuss the options and resources available to help you.

There is over $1.2 trillion in federal student loan debt in the U.S.

Many repayment plans are available, and new ones are being developed to help borrowers. However, many debt relief offers can mislead you.*

Our counselors are trained to help you understand and choose the best repayment options.

We will work with you to:

  • Identify the types of loans you have
  • Estimate possible repayment plans and amounts
  • Find ways to get out of default
  • Help decide if loan consolidation is right for you
  • Provide information on government loan forgiveness and deferment programs
  • Discuss how student loans affect your credit
  • Look at how student loans impact buying a home


*Many borrowers receive offers for consolidation and repayment plans. Some of these plans turn federal student loan debt into private debt. By refinancing into private loans, you might lose important benefits like forbearance, deferment, and loan forgiveness options.

Questions?

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

Schedule AppointmentSolicite una cita

Helpful Resources:

Contact Us

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 and Directions Boulder Location

Fax: 720-564-2283
Hours: 8 a.m. to 4:30 p.m. Monday/Wednesday/Friday
Issuance Closed 1-2 p.m. for lunch.

Longmont Location

515 Coffman St.
Map and Directions Longmont Location
Hours: 8 a.m. to 4:30 p.m.
Monday-Friday
Issuance Closed 1-2 p.m. for lunch.

Lafayette Location

1755 S. Public Road, Lafayette
Map and Directions Lafayette Location
Hours: 8 a.m. to 4:30 p.m.
Tuesday/Thursday
Closed 1-2 p.m. for lunch.

Housing & Human Services website

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