del norte programs

del norte’s homeownership program provides one-on-one counseling to families and individuals low/moderate-income with the purpose of helping them to reach their goal of purchasing a home. in one-on-one counseling the families will learn how to budget, how to build and establish credit, how to save, lending process and mortgage options, be aware of predatory lenders and home maintenance.
monthly homebuyer educational workshops are english and spanish.
del norte’s programs are free of charge.

down payment assistance

down payment assistance and or closing cost are 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 in the city and county of denver.
  • • the applicant cannot have owned a home in the past three years, or meet the federal definition of first time home buyer.
  • • attend to 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.

similar programs are available to homebuyers who are purchasing a property located in: denver, adams, arapahoe, jefferson, douglas and broomfield counties.

for additional information or to attend del norte’s homebuyer education classes contact rosa madrigal, manager homeownership services at 720-880-7910 ext. 304


fy 2014 income limits for 80% of hud area median income

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foreclosure prevention 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.

also located in del norte opened an office in a church in greeley (northern colorado) to provide post-purchase (foreclosure) counseling.

early delinquency counseling

there are many reasons homeowners face difficulty in making mortgage payments: unexpected expenses, loss of employment and overspending.  early delinquency counseling involves addressing the financial crisis in the earliest possible stages informing the client of all available options to act quickly.

financial literacy

financial literacy classes provide understanding of what credit is by increasing awareness of the rights and responsibilities of using credit.

counselors give assistance by identifying and prioritizing personal and financial goals.
a plan is created to achieve set goals and maintain a budget.

for more information or to make an appointment for counseling call: 720-880-7910 juan carlos vasquez ext. 302, rosa madrigal ext. 304 and maria melgoza 306.

hud homes program

this program purchases homes from the us department of hud’s portfolio of foreclosed properties.  as a non-profit, el norte is able to bid on properties during the initial bidding period.  these homes and their systems are inspected and systems are repaired or replaced as needed.  roofs are inspected and warrantied; hvac systems are repaired, cleaned and certified or replaced; radon levels are checked and radon abatement is performed by licensed professionals when needed; weatheripping and insulation is checked.  additionally the homes are also made cosmetically attractive and generally receive energy star appliances, carpet, flooring and paint.  once homes have been brought to a like new condition, they are sold to qualified buyers, often first time owners.

neighborhood stability program nsp

del norte is a recipient of the american recovery and reinvestment act funds through a nationwide collaborative with chicanos por la causa and the national association of latino community asset builders. del norte has been very successful leveraging arra funds to provide affordable rental housing throughout the metropolitan area. del norte also works with a local collaborative to develop foreclosed upon single family homes in designated communities in denver.  the homes are rehabilitated and made available to families earning less than 120% of the denver area median income.  additionally, the families may qualify for down payment assistance. for additional information please click on the links below.


hud nsp

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