COVID-19 Housing Resources

We don’t have to tell you that COVID-19 has turned our community, and our world, upside down.  Many local workers have lost income due to the COVID-19 shutdowns.  Even as businesses begin opening again, access to childcare, quarantining/self-isolation requirements, or other circumstances continue to affect workers.  Uncertainty is becoming our “new normal,” as every day brings new information and challenges.  During these uncertain times, we are endeavoring to assist our local homeowners, landlords, and tenants maintain stable housing for our local workforce.  In support of this endeavor, we have provided the resources below.  If you know of any resources that we are missing, please email us at [email protected] and we’d love to add them.

Resources for Homeowners / Landlords

Per our 2019 Summit County Housing Needs Update, roughly 60% of our local workers are homeowners.  In addition to this, our local landlords and homeowners provide a critical role in our local rental market.  Per the Needs Update, roughly 40% of our local workers are renters.  Of those renters, only approximately 12% live in apartments – that means the other 88% are living in person-to-person or other non-apartment rentals.  These renters rely on our local landlords to help serve this housing need, whether by choosing to use an investment property as a long-term rental, having a roommate, etc.  In these challenging times, we hope to communicate as many resources as possible that could allow our local landlords and homeowners to continue to provide this critical, stable housing to our local community.

  • Contact Your Lender

    If you’re worried you’re unable to pay your mortgage, one of the first steps you should take is to contact your lender.  Many lenders are offering forbearance, payment plans, loan modifications, or similar options to help their borrowers.

  • Brothers Redevelopment Mortgage Assistance

    Governor Jared S. Polis signed Executive Order D2020 012 on March 20, 2020, providing the Department of Local Affairs Division of Housing $3 million from the State Disaster Emergency Fund to provide short term rental and mortgage assistance to low-income households that have been economically impacted by COVID-19. Brothers Redevelopment is one of two agencies that will provide assistance statewide.

  • Salvation Army Assistance

    You can call (855) 768-7977;  Monday through Friday;  9 am through 4 pm.

  • Colorado Department of Local Affairs Emergency Rental Assistance Program (ERAP)

    If property owners or tenants have been unable to pay rent due to financial hardship caused by COVID-19, you or your tenants may be eligible for rental assistance from the state.  The State recently received $247 million for rental and utility assistance from the federal government.  The Colorado Emergency Rental Assistance Program (ERAP) can help renters as far back as April, 2020.  Help can include past due, current, and two additional months of expected rent costs.  After the initial assistance, you can apply for additional assistance, if funds are still available.

  • Colorado Department of Local Affairs Model Repayment Agreement - English

    If your tenants are having problems paying rent due to COVID-19 circumstances out of their control, it can often be in your best interest to try to work with them as much as possible before beginning a lengthy and costly eviction process.  Landlords and tenants may use DOLA’s Model Repayment Agreement to mutually agree on a plan for repaying outstanding rent or other contractual amounts in the future.

  • Colorado Department of Local Affairs Model Repayment Agreement - Spanish

    If your tenants are having problems paying rent due to COVID-19 circumstances out of their control, it can often be in your best interest to try to work with them as much as possible before beginning a lengthy and costly eviction process.  Landlords and tenants may use DOLA’s Model Repayment Agreement to mutually agree on a plan for repaying outstanding rent or other contractual amounts in the future.

  • Colorado Department of Local Affairs CDC Declaration-English

    Executive Order D 2020 202 was issued on September 22, 2020 requiring all landlords to notify their tenants of the federal Center for Disease Control’s (CDC) order limiting evictions through December 31, 2020.  The Colorado Department of Local Affairs has prepared a model notification letter for landlords to use to inform their tenants about the CDC eviction protections.

  • Colorado Department of Local Affairs CDC Declaration-Spanish

    Executive Order D 2020 202 was issued on September 22, 2020 requiring all landlords to notify their tenants of the federal Center for Disease Control’s (CDC) order limiting evictions through December 31, 2020.  The Colorado Department of Local Affairs has prepared a model notification letter for landlords to use to inform their tenants about the CDC eviction protections.

  • Colorado Judicial Branch FAQs

    The goal is to use all available resources to help avoid getting the courts involved; however, if this is not possible the Colorado Judicial Branch has compiled resources on the eviction and foreclosure processes.  These standard instructions are for informational purposes only and do not constitute legal advice about your case.

  • Colorado Legal Services

    Colorado Legal Services (CLS) provides legal help for low-income Coloradans seeking assistance with civil legal needs.  In most cases, CLS is required to follow the Federal Poverty Guidelines in order to determine financial eligibility, but, in some instances eligibility requirements may differ, for example if you are 60 or older, or depending on the legal issue (for example if you are a victim of domestic violence). It would be helpful for you to contact CLS so CLS can accurately determine your eligibility for services.

  • Housing Helps - Town of Breckenridge

    If you are committed to having a local worker occupy your property in perpetuity, the Housing Helps program may be for you.

    Under Housing Helps the Town will pay owners, buyers, sellers, businesses, and investors to accept a deed restriction on homes that are currently unrestricted.  The amount that will be paid for a deed restriction will vary depending on the market and how well the home meets current needs in the community.  Recipients may use the funds for down payment, home repairs, special assessments, or any other purpose.  In return, the recipients are required to execute a deed restriction that will insure the property is used for local housing.

    ***Please note that this program will place a permanent restriction on your property, and this program is not an unrestricted grant or short-term solution.***

  • Housing Helps - Summit County

    If you are committed to having a local worker occupy your property in perpetuity, the Housing Helps program may be for you.

    Under Housing Helps the County will pay owners, buyers, and sellers to accept a deed restriction on homes that are currently unrestricted. The amount that the County will pay for a deed restriction will vary depending on the market and how well the home meets current needs in the community. Recipients may use the funds for down payment, home repairs, special assessments, or any other purpose. In return, the recipients are required to execute a deed restriction that will ensure the property is used for local housing.

    ***Please note that this program will place a permanent restriction on your property, and this program is not an unrestricted grant or short-term solution.***

  • Allo Emergency Broadband Program

    If you live in Breckenridge and meet certain criteria, you may be eligible for the emergency broadband program.  Please contact Allo directly with any questions.

Resources for Tenants

Local renters are often completely reliant on their landlords to help them through these trying times, particularly in our area where such a large percentage of rentals are person-to-person arrangements.  Luckily, many of our local landlords have been willing to work with their tenants to continue to provide stable, long-term housing.  We’ve included some additional resources below that can help you work with your landlord through these difficult times.

  • Discuss Your Situation with Your Landlord

    If you’re worried you’re unable to pay your rent, one of the first steps you should take is to talk to your landlord.  Many landlords have been trying to work with their tenants during these difficult times, but they may not know you need help unless you ask for it.  It can be extremely helpful if you also create a proposed plan to discuss with your landlord, including why you aren’t able to pay your rent, how long you expect this to last, and how/when you propose to make up any missed payments.

  • FIRC Housing Assistance

    FIRC has been selected by local government to administer rental relief for people living or working in Summit County.  It’s estimated that two-thirds of Summit County’s workforce has been laid off during this COVID crisis.  Due to the high need, the funding for rental relief is limited and we will not be able to meet the high demands.  Therefore, FIRC will also be working with landlords and helping people access basic needs by helping people sign up for federal assistance programs and other supports to get through these challenging times.

  • Immigrant Families Fund Assistance

    The COVID-19 Rapid Response Fund is providing financial support to immigrant families who have been left out of the federal government’s relief efforts. Immigrants may be eligible to receive a $500 grant to help cover whatever is most pressing in their lives.

  • Brothers Redevelopment Rental Assistance

    Governor Jared S. Polis signed Executive Order D2020 012 on March 20, 2020, providing the Department of Local Affairs Division of Housing $3 million from the State Disaster Emergency Fund to provide short term rental and mortgage assistance to low-income households that have been economically impacted by COVID-19. Brothers Redevelopment is one of two agencies that will provide assistance statewide.

  • Salvation Army Assistance

    You can call (855) 768-7977;  Monday through Friday;  9 am through 4 pm.

  • Colorado Department of Local Affairs Emergency Rental Assistance Program (ERAP)

    If property owners or tenants have been unable to pay rent due to financial hardship caused by COVID-19, you or your tenants may be eligible for rental assistance from the state.  The State recently received $247 million for rental and utility assistance from the federal government.  The Colorado Emergency Rental Assistance Program (ERAP) can help renters as far back as April, 2020.  Help can include past due, current, and two additional months of expected rent costs.  After the initial assistance, you can apply for additional assistance, if funds are still available.

  • Colorado Department of Local Affairs Model Repayment Agreement - English

    If you are having problems paying rent due to COVID-19 circumstances out of your control, landlords are often willing to try to work with you as much as possible before beginning a lengthy and costly eviction process.  Landlords and tenants may use DOLA’s Model Repayment Agreement to mutually agree on a plan for repaying outstanding rent or other contractual amounts in the future.

  • Colorado Department of Local Affairs Model Repayment Agreement - Spanish

    If you are having problems paying rent due to COVID-19 circumstances out of your control, landlords are often willing to try to work with you as much as possible before beginning a lengthy and costly eviction process.  Landlords and tenants may use DOLA’s Model Repayment Agreement to mutually agree on a plan for repaying outstanding rent or other contractual amounts in the future.

  • Colorado Judicial Branch FAQs

    The goal is to use all available resources to help avoid getting the courts involved; however, if this is not possible the Colorado Judicial Branch has compiled resources on the eviction and foreclosure processes.  These standard instructions are for informational purposes only and do not constitute legal advice about your case.

  • Colorado Legal Services

    Colorado Legal Services (CLS) provides legal help for low-income Coloradans seeking assistance with civil legal needs.  In most cases, CLS is required to follow the Federal Poverty Guidelines in order to determine financial eligibility, but, in some instances eligibility requirements may differ, for example if you are 60 or older, or depending on the legal issue (for example if you are a victim of domestic violence). It would be helpful for you to contact CLS so CLS can accurately determine your eligibility for services.

  • Allo Emergency Broadband Program

    If you live in Breckenridge and meet certain criteria, you may be eligible for the emergency broadband program.  Please contact Allo directly with any questions.