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SB26-053 • 2026

Colorado Housing and Finance Authority Mortgage POST Officers First Responders

The act expands eligibility for mortgage loans through the Colorado housing and finance authority to first responders. The act also defines the term 'first responder' to include peace officers, firefi

Healthcare Housing
Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor
Sen. B. Kirkmeyer, Sen. K. Mullica, Rep. C. Clifford, Rep. R. Gonzalez, Sen. J. Carson, Sen. J. Coleman, Sen. L. Daugherty, Sen. L. Frizell, Sen. C. Kipp, Sen. W. Lindstedt, Sen. L. Liston, Sen. B. Pelton, Sen. D. Roberts, Sen. M. Snyder, Rep. A. Boesenecker, Rep. M. Duran, Rep. E. Hamrick, Rep. M. Lindsay, Rep. J. McCluskie, Rep. K. Nguyen, Rep. J. Phillips, Rep. M. Rutinel, Rep. E. Velasco
Last action
2026-04-17
Official status
Governor Signed
Effective date
Not listed

Plain English Breakdown

Checked against official source text during the last sync.

Expanding Mortgage Loans for First Responders

This law makes it easier for first responders in Colorado to get mortgage loans and defines who is considered a first responder.

What This Bill Does

  • Makes more first responders eligible for mortgage loans from the Colorado Housing and Finance Authority (CHFA).
  • Defines 'first responder' as including peace officers, firefighters, and emergency medical technicians.
  • Includes noncertified deputy sheriffs, emergency communications specialists, corrections officers, port of entry officers, and wildlife officers under the term 'peace officer'.
  • Sets an income limit for families made eligible for mortgage loans by this act.

Who It Names or Affects

  • First responders in Colorado who want to buy homes.
  • The Colorado Housing and Finance Authority (CHFA).

Terms To Know

first responder
A person like a peace officer, firefighter, or emergency medical technician who helps during emergencies.
peace officer
Someone with the authority to enforce laws, including noncertified deputy sheriffs and wildlife officers.

Limits and Unknowns

  • The bill does not specify when it will take effect.
  • It is unclear what happens if a first responder's income exceeds the set limit for mortgage loans.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

L.007

HOU Transportation, Housing & Local Government

Passed [*]

Plain English: SB053_L.007 HOUSE COMMITTEE OF REFERENCE AMENDMENT Committee on Transportation, Housing & Local Government.

  • SB053_L.007 HOUSE COMMITTEE OF REFERENCE AMENDMENT Committee on Transportation, Housing & Local Government.
  • SB26-053 be amended as follows: 1 Amend reengrossed bill, page 3, lines 23 and 24, strike "OF LAW 2 ENFORCEMENT OFFICERS WORKING IN COLORADO OR FAMILIES".
  • ** *** ** *** ** LLS: Sam Anderson x4218
L.001

SEN Local Government & Housing

Passed [*]

Plain English: SB053_L.001 SENATE COMMITTEE OF REFERENCE AMENDMENT Committee on Local Government & Housing.

  • SB053_L.001 SENATE COMMITTEE OF REFERENCE AMENDMENT Committee on Local Government & Housing.
  • SB26-053 be amended as follows: 1 Amend printed bill, page 2, line 6, strike "(7.5)" and substitute "(12.3)".
  • 2 Page 2, strike line 14 and substitute: 3 "RESPONDER" MEANS A PEACE OFFICER, FIREFIGHTER, OR 4 EMERGENCY MEDICAL TECHNICIAN.".
  • 5 Page 3, strike lines 5 through 8 and substitute: 6 "(12.3) "PEACE OFFICER" MEANS PEACE OFFICER AS DESCRIBED IN 7 SECTION 16-2.5-102 OR A NONCERTIFIED DEPUTY SHERIFF AS DESCRIBED 8 IN SECTION 16-2.5-103 (2).".
L.006

Second Reading

Passed [**]

Plain English: SB053_L.006 Amendment No.

  • SB053_L.006 Amendment No.
  • ___________ SB26-053 SENATE FLOOR AMENDMENT Second Reading BY SENATOR Kirkmeyer 1 Amend the Local Government and Housing Committee Report, dated 2 February 12, 2026, page 1, line 6, after "MEANS" insert "A".
  • 3 Page 1, line 7, strike "16-2.5-102 OR" and substitute "16-2.5-102,".
  • 4 5 Page 1, line 8, strike "16-2.5-103 (2)."." and substitute "16-2.5-103 (2), 6 AN EMERGENCY COMMUNICATIONS SPECIALIST AS DEFINED IN SECTION 7 29-11-101 (10.5), OR A CORRECTIONS OFFICER AS DESCRIBED IN SECTION 8 16-2.5-135.".".
L.008

Second Reading

Passed [**]

Plain English: SB053_L.008 Amendment No.

  • SB053_L.008 Amendment No.
  • ___________ SB26-053 HOUSE FLOOR AMENDMENT Second Reading BY REPRESENTATIVE Clifford 1 Amend reengrossed bill, page 3, line 9, strike "OR".
  • 2 Page 3, line 10, strike "16-2.5-135." and substitute "16-2.5-135, A PORT 3 OF ENTRY OFFICE AS DESCRIBED IN 16-2.5-115, OR A WILDLIFE OFFICER AS 4 DESCRIBED IN 16-2.5-116.".
  • ** *** ** *** ** LLS: Sam Anderson x4218
L.009

Third Reading

Passed

Plain English: SB053_L.009 Amendment No.

  • SB053_L.009 Amendment No.
  • ___________ SB26-053 HOUSE FLOOR AMENDMENT Third Reading BY REPRESENTATIVE Clifford 1 Amend revised bill, page 3, line 10, strike "OFFICE" and substitute 2 "OFFICER".
  • 3 Page 3, line 11, after the first "IN" insert "SECTION".
  • 4 Page 3, strike line 12 and substitute "SECTION 16-2.5-116.".

Bill History

  1. 2026-04-17 Governor

    Governor Signed

  2. 2026-04-08 Governor

    Sent to the Governor

  3. 2026-04-07 House

    Signed by the Speaker of the House

  4. 2026-04-07 Senate

    Signed by the President of the Senate

  5. 2026-04-06 Senate

    Senate Considered House Amendments - Result was to Concur - Repass

  6. 2026-04-02 House

    House Third Reading Passed with Amendments - Floor

  7. 2026-03-31 House

    House Third Reading Laid Over Daily - No Amendments

  8. 2026-03-30 House

    House Second Reading Special Order - Passed with Amendments - Committee, Floor

  9. 2026-03-27 House

    House Second Reading Laid Over Daily - No Amendments

  10. 2026-03-24 House

    House Committee on Transportation, Housing & Local Government Refer Amended to House Committee of the Whole

  11. 2026-03-02 House

    Introduced In House - Assigned to Transportation, Housing & Local Government

  12. 2026-03-02 Senate

    Senate Third Reading Passed - No Amendments

  13. 2026-02-27 Senate

    Senate Third Reading Laid Over to 03/02/2026 - No Amendments

  14. 2026-02-26 Senate

    Senate Third Reading Laid Over to 02/27/2026 - No Amendments

  15. 2026-02-25 Senate

    Senate Second Reading Passed with Amendments - Committee, Floor

  16. 2026-02-24 Senate

    Senate Second Reading Laid Over to 02/25/2026 - No Amendments

  17. 2026-02-23 Senate

    Senate Second Reading Laid Over to 02/24/2026 - No Amendments

  18. 2026-02-18 Senate

    Senate Second Reading Laid Over to 02/23/2026 - No Amendments

  19. 2026-02-12 Senate

    Senate Committee on Local Government & Housing Refer Amended to Senate Committee of the Whole

  20. 2026-01-27 Senate

    Introduced In Senate - Assigned to Local Government & Housing

Official Summary Text

The act expands eligibility for mortgage loans through the Colorado housing and finance authority to first responders. The act also defines the term 'first responder' to include peace officers, firefighters, and emergency medical technicians, and defines the term 'peace officer' to include a noncertified deputy sheriff, an emergency communications specialist, a corrections officer, a port of entry officer, or a wildlife officer.
The act also sets an income limit for families made eligible for mortgage loans by the act.
(Note: This summary applies to this bill as enacted.)