Del Norte’s counseling Services

The core services are all targeted for the benefit of low and moderate income families and individuals and for neighborhood revitalization.


The eHome America online curriculum meets requirements for first time home buyer education, please check with your lender first. The eHome America online education can take up to 8 hours to complete.

COST: This course costs $99 for primary borrowers and an additional $49 for co-borrowers.

AFTER COMPLETING COURSE: The course requires a 30-minute follow-up counseling session for both borrowers and co-borrowers. This session can be completed in person or over the phone. Participants will receive registration packet for follow up session prior to session upon completion of the online course.

Please print and submit by mail, or email with attention to:
Maria Melgoza
3275 West 14th Avenue #202, Denver, CO 80204


Down payment / Closing cost Assistance

Down payment assistance and closing cost assistance is in the form of a loan with zero (0%) percent interest; no payments are required. The loan will be due at the time of sale, title transfer and or at the 30th anniversary of the execution of the Note. Loans cannot be subordinated.


  • Property must be located in: Denver, Adams, Arapahoe, Jefferson, Douglas and Broomfield Counties.
  • The applicant cannot have owned a home in the past three years, or must meet the federal definition of first time home buyer.
  • Attend a homebuyer education class.
  • Household income cannot exceed 80% of the area median income. (see chart below)
  • Household with incomes over 80% are not eligible for financial assistance, however they can receive homebuyer education counseling.

For additional information contact Cecilia Cervantes, Manager of Homeownership Services at 303-477-4774 ext. 17

Download Pre-Purchase Application

Post Purchase Counseling

The goal of post purchase counseling is to reduce the risk for default on home loans by families/individuals via one-on-one interviews and educational workshops. These services include education on property maintenance, money management, relations with lenders, and budget development.
Post-Purchase Counseling provides ongoing support for families/individuals after they have purchased a home ensuring that their homeownership experience is a successful one.

Early Delinquency Counseling

There are many reasons homeowners face difficulty in making mortgage payments: unexpected expenses, loss of employment and overspending. Early Delinquency Counseling addresses the financial crisis in the earliest possible stages informing the client of all available options to act quickly.

For more information or to make an appointment for counseling call: 303-477-4774, Cecilia Cervantes ext. 17, and Maria Melgoza ext. 30.