CHC Success Story:
More Than a Grant, a Second Chance
Recipient: Kenneth
Hardship: Force-Placed Insurance Policy
CHC Grant Assistance: $4,000
For Kenneth and his wife, their Colorado mountain home represents far more than a place to live. It reflects years of hard work and the life they have built together. But at 74, Kenneth never imagined that keeping that home would become one of the biggest challenges of his life.
The retired couple had taken out a reverse mortgage to support themselves financially while staying in the home they loved. But living in a high-fire-risk area, they struggled to find affordable homeowners insurance. When their lender eventually placed an expensive force-placed insurance policy on their home, an unpaid balance began to grow. Then, an unexpected vehicle repair added another financial burden, pushing them into crisis.
Before long, the couple faced a crisis they never expected—foreclosure—putting their home and years of hard work at risk.
Someone Was in Our Corner
Just days before the foreclosure sale, CHC stepped in with a grant of over $4,000 to resolve the default and halt the foreclosure, allowing Kenneth and his wife to remain in their home. Soon after, with their home secure, they obtained homeowners insurance through the Colorado FAIR Plan—a crucial step in maintaining stability moving forward.
But from Kenneth’s perspective—CHC’s support went far beyond saving his home—it restored his sense of hope and dignity.
Before CHC became involved, Kenneth shared how overwhelming the situation had become—as if a lifetime of hard work was slipping away. The stress was so crushing that Kenneth confessed he had reached a point where he felt ready to walk into the forest and give up hope entirely.
Then he met Lance, his CHC Ambassador from a partnering Housing Counseling Agency. Kenneth described Lance and CHC's support as “AMAZING”— they helped make a complicated process easier to understand, kept the family informed, answered questions, and guided them through the process. Most importantly, they treated Kenneth and his wife with compassion and dignity — they listened to their story and genuinely cared about the couple’s home and their well-being.
For Kenneth and his wife, having someone in their corner made all the difference.
“In all of my 74 years, I have never experienced anyone caring for my wife and me the way CHC did.”
The experience left him nearly speechless. He struggled to understand how people he had never met could care so deeply about helping his family. The support from CHC reminded Kenneth and his wife that they, and their home, truly mattered.
A Home. A Future. Hope.
Today, Kenneth and his wife remain in the home they love—and, perhaps most importantly, they have hope for the future. Their story is a powerful reminder of what housing stability can mean to a family and why the work of the Colorado Homeowner Coalition matters.
A CHC grant may look like a number on a page. But behind every grant is a person, a family, a home, and a lifetime of hard work.
And sometimes, that support arrives at a moment when a person needs to know they haven’t been forgotten and that someone believes they are worth helping.
Because of the generosity of CHC supporters, homeowners and families receive more than financial support—they are given a renewed sense of security and a future to look forward to. That is the true difference CHC can make for Colorado homeowners.
Stories like this are why our valued donors continue to support the Colorado Homeownership Coalition — why every contribution matters—and a reminder that every act of support helps keep hope alive for Colorado families.
More Colorado homeowners need our support:
Help us make more second chances possible.