Welcome to theCity of AuroraColorado

• Have experienced a COVID-related impact to their finances on or after Jan. 21, 2020.   

  • The hardship could include job loss; reduction in income; reduction in hours worked; increased costs due to healthcare; increased costs due to the need to care for family members; or other issues impacting the household’s income.   

• Are owner-occupants of a single-family home or condominium, or a 2- 3- or 4-family home  

  • This does not include owner-occupied properties of 5 or more units, investor-owned properties, or vacation homes.   

• Have an income equal to or less than 100% of Area Median Income for the county in which they reside currently or at the time of COVID-related financial hardship.  

• Have a loan under the conforming loan limits (non-jumbo loan) at time of origination or most recent refinance (loan limits vary by region). 

  • Homeowners applying should also apply for loss mitigation through their mortgage lender.  Loss mitigation documentation may be uploaded with your application.

Please Note: Additional documentation may be requested in order to verify your eligibility.

The following documents are required in the application portal:

• Government-issued ID for all household members 18 years of age or older

• Deed or Proof of Ownership

• Income Documents for all household members 18 years of age or older 

• Accepted Income Documents Include: 

  • paystubs;

  • W2s or other wage statements;

  • IRS Form 1099, tax filings;\

  • depository institution (or bank) statements demonstrating

  • regular income;

  • benefit determination letter;

  • a self-attestation of zero income; or

  • or an attestation from an employer.

• Mortgage Documents such as your most recent mortgage statement, loss mitigation paperwork from your mortgage lender, foreclosure notices, etc.  

• Completed and signed Third Party Authorization form. This form is necessary in order for the Emergency Mortgage Assistance Program/Homeowner Assistance Fund Program staff to speak with your mortgage lender.

You must have experienced a direct or indirect financial hardship such as a decrease in income or increase in living expenses as a result of the coronavirus pandemic. This can include but is not limited to job loss, reduction in work hours, an increase in costs due to childcare, illness, or the need to care for a family member since Jan. 21, 2020. This can include hardships that began before Jan. 21, 2020, and continued after that date, but only costs accrued after Jan. 21, 2020, are eligible for program assistance. 

Incomplete applications will not be processed. Please contact us if you have questions related to the required documentation.  

City of Aurora staff will review the submitted applications for city residents.  

Currently the only prioritization is for borrowers facing a pending foreclosure sale (e.g., an auction date). We do anticipate some special circumstances to arise through case management that will be prioritized as needed. 

The status of your application will read “Application Submitted” if it has been submitted by you, but not yet pulled for review by city of Aurora staff. Once staff pulls your application for review, they will change the status of your application to “Under Review.” Once the reviewing city staff makes a determination about your application, they will let you know via email or through the Neighborly portal.   

Once city of Aurora staff pulls your application for review, they will make a determination about your application and let you know via email, text, or the Neighborly application portal. Aurora staff will let you know if any additional information is needed to process your application, and if approved, the amount of assistance you are approved for.  

If denied, you will have sixty (60) days to appeal. 

To appeal, email dola_haf_client_suppport@state.co.us and include the following:  
Case ID for Neighborly portal 

• Summary of the situation and reasons provided by the reviewer for the rejection 

• Appeal statement detailing why the decision is not appropriate 

• Supporting documentation that can be used to demonstrate why the appeal is valid 

The state's Division of Housing will review the appeal and issue a decision within 21 days.  

No. The Emergency Mortgage Assistance program is designed for short-term, one-time assistance; therefore, homeowners cannot re-apply for assistance. 

Yes. The Emergency Mortgage Assistance program encourages all homeowners to reach out to their mortgage lender to determine what loss mitigation options may be available. However, we will not process your application until after your forbearance period ends and a decision has been made by your mortgage lender about your loss mitigation options. 

Yes. Delinquencies related to your mortgage can be eligible if you meet the eligibility requirements of the Emergency Mortgage Assistance program. 

Even though the foreclosure process has started, submit an Emergency Mortgage Assistance program application and email comdev@auroragov.org.

Let your lender know that you have applied for this program and continue to work with them regarding forbearance and loss mitigation options.  

No. Assistance is only available for owner-occupied homes. For rental properties you can explore rental assistance programs. 

Up to $40,000 per household for qualified expenses.

Maximum assistance is $40,000 per household. Assistance will cover eligible arrears not covered in a loss mitigation offer from the lender, current month payment, plus up to two future months payments. Homeowners are eligible for a one-time assistance, and maximum assistance is not guaranteed. 

All adults eighteen (18) years or older residing in the home as their primary residence must provide identification and income documentation as counted toward the total household annual income.