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Lender Guide to Affordable Homeownership Opportunities

Lender Guide to Affordable Homeownership Opportunities

The city's homeownership program is designed to work with standard mortgage financing. Dozens of lenders have purchased, refinanced and made home equity loans on permanently affordable homes in Boulder. We hope that you will find the Lender Program Guide on the right side of this page helpful.

Mortgage Policy

The City of Boulder requires all mortgages on permanently affordable homes to meet several requirements. The intent of these requirements is to reduce the risk of default and foreclosure in order to protect the future of the limited resources of the Permanently Affordable Homeownership Program. 

In the event of foreclosure, the resale restrictions terminate unless the city intervenes. As such intervention typically requires a significant public investment, the city has instituted a number of precautions. For example, all buyers are required to attend homebuyer training and make a monetary investment in the home.

The mortgage policy has been developed to protect the community’s interest in the homes in this program while attempting to preserve adequate borrowing options for program participants.    

Lender Referral list

We maintain a list of lenders on our website who are interested in working with our buyers and current homeowners. Many buyers and owners refer to these listings as they select a lender. Please review the Lender Program Guide and then contact us if you would like to be added to this list.

Notice of Nondiscrimination

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The City of Boulder, Division of Housing does not discriminate on the basis of race, color, religion, gender, age, national origin, disability, marital status, familial status, sexual orientation or military status in any of its programs, services or activities.

Reasonable Accommodation

The Department of Housing and Human Services, upon request, will provide appropriate aids and services leading to effective communication for qualified persons with disabilities so they can participate equally in programs, services and activities. Anyone who requires an auxiliary aid, communication service, or a reasonable accommodation to participate in a program, service, or activity of the Department, should call the ADA/Section 504 Coordinator at 303-441-3231. For hearing or speech impaired residents, please dial 7-1-1 for Relay Colorado.

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