In addition to typical refinancing, CHFA offers an option for homeowners facing foreclosure due to a temporary and unforeseen financial crisis. The statewide Hardship Refinance Program has strict eligibility requirements, income limits and a market interest rate. Homeowners in this program are not eligible for a CHFA second mortgage loan. 

CHFA also administers the Reissued Mortgage Credit Certificate (RMCC) Program for any county in which CHFA currently or previously issued MCCs. An RMCC allows an MCC holder to continue to claim their federal tax credit after they refiinance their mortgage. This federal income tax credit can be up to 20% of the mortgage interest paid each year.

Please email our Loan Servicing Division or call 303.297.7493 for more information.