A credit union told you to come back in twelve months. That is one lender's rule, not the whole market's. Tell us what happened and a licensed Colorado loan officer will call you with real options, or a straight no.
The pressure behind the searches, from sources we checked.
Closed
Colorado's Emergency Mortgage Assistance Program, which paid up to $40,000 per household from federal funds, wound down in August 2026 after distributing about $40 million. A missed payment no longer has a public backstop.
Source: Colorado Department of Housing, August 2026
20% to 40%
How much 2026 property tax bills rose for many Colorado homeowners after temporary relief expired. Bills are due in halves on February 28 and June 15, or in full by April 30.
Source: Colorado Public Radio, February 2026
100.8%
Rise in Colorado home insurance premiums since 2020, now the third highest in the country.
Source: ColoradoBiz, 2026
76%
Coloradans who worry about being able to afford life in Colorado. 32% worry about losing their housing.
Source: Colorado Health Foundation Pulse Poll, 2,240 adults, March to April 2026, July 2026
You send the form. Two minutes, no credit pull, no obligation.
A licensed Colorado loan officer calls within one business day, looks at your actual situation, and tells you what is realistic.
If there is a fit, you get a written plan and a short document checklist. If there is not, you get told that too, along with what would change the answer.
Sending this does not pull your credit and does not obligate you to anything. Lenddy.io, LLC, NMLS #2849217, is a licensed Colorado mortgage broker. This is not a commitment to lend; all loans are subject to credit approval and program guidelines. By submitting, you agree that a Lenddy loan officer may call or email you about your inquiry.
Some loan programs look at a recent late payment in context: how long ago it was, whether you are current now, how much equity you have, and how the rest of your credit looks. They are not the loans on the billboard and they cost more than a spotless-credit conventional loan, but they exist, and Lenddy works with lenders that offer them.
Many Colorado homeowners use a loan like this to consolidate debt now and refinance again once the late payment has aged past the point where standard programs stop caring. We plan for that second step from day one.
Every month the late ages, more programs open up. Part of the call is working out whether now is right, or whether a specific month a little further out gets you a better loan.
Almost every program requires you to be current at closing. If you are behind today, getting current is step one. Call anyway: how you get current can affect what you qualify for afterwards, and we would rather you hear that before you decide.
Usually not the standard programs at the big banks. Lenders offering what the industry calls non-QM or portfolio programs may, depending on how recent the late was, how many there were, how much equity you have and where your score sits. Lenddy is a licensed Colorado mortgage broker with access to programs like these.
It depends on the program. One 30-day late in the last twelve months is a very different file from several, or from a 60- or 90-day late. Tell us the real history and we will tell you which programs it fits.
No. A refinance pays off the old loan; it does not rewrite its history. The late stays on your report for up to seven years, though its weight on your score fades much sooner than that.
No. Nothing here pulls your credit. If you decide to move forward after the call, we tell you before any credit check happens.