SB 53: Colorado Housing and Finance Authority Mortgage POST Officers First Responders - Colorado

Rerevised → Final Act · 5 edits · Apr 6, 2026

MODERATE

This bill was finalized to expand mortgage loan eligibility through the Colorado Housing and Finance Authority to include first responders regardless of income, while updating legal definitions to clarify who qualifies as a peace officer and first responder. The text was also formatted for official signing by the Governor and legislative officers.

Scope change

The bill's scope was expanded to explicitly include first responders working in Colorado whose income does not exceed 110% of the qualifying income limits, removing previous income restrictions for this group.

ELIGIBILITY

Added a new eligibility category for families of first responders in Colorado with qualifying income up to 110% of the standard limit.

DEFINITION

Replaced a brief definition of 'first responder' with a detailed list of specific roles including peace officers, firefighters, and emergency medical technicians.

Added a comprehensive definition of 'peace officer' listing specific statutes and roles such as corrections officers and port of entry officers.

Removed the standalone definition of 'home improvement loan' from the definitions section as it was likely incorporated elsewhere or deemed unnecessary in the final text.

TECHNICAL

Updated header information to reflect the bill's final status, including signatures from legislative officers and the Governor.

Revised → Rerevised · 3 edits · Apr 2, 2026

MINOR

The bill was rerevised to incorporate additional amendments from the House, expanding the list of House sponsors and adding a record of the amendment date. The most significant substantive change is a technical correction to the definitions section, which reorganized the list of law enforcement officers to ensure the definitions for 'Port of Entry Officer' and 'Wildlife Officer' are clearly separated and cited to their correct statutory sections.

Scope change

The scope of the bill remains focused on law enforcement definitions and powers, but the applicability of the definitions was clarified by fixing a formatting error that previously merged the definitions for Port of Entry and Wildlife officers into a single, confusing line.

DEFINITION

Reorganized the definition of law enforcement officers to clearly separate the 'Port of Entry Officer' definition from the 'Wildlife Officer' definition, ensuring each references its correct statutory section.

TECHNICAL

Added a record indicating the bill was amended on April 2, 2026, in the House.

ELIGIBILITY

Expanded the list of House sponsors to include seven additional representatives.

Reengrossed → Revised · 4 edits · Mar 30, 2026

MODERATE

The bill was revised to correct formatting errors and remove a redundant definition of 'corrections officer' that was accidentally included in the previous version. The core policy regarding mortgage eligibility for law enforcement and first responders remains unchanged.

Scope change

The bill's scope remains focused on expanding mortgage eligibility for specific public safety professionals, with no changes to the underlying policy or applicability.

DEFINITION

Removed a redundant definition of 'corrections officer' in the text to clarify that the term is only defined once in the relevant statute.

TECHNICAL

Corrected a line break error in the statute reference for 'port of entry office' to ensure the legal citation is continuous and readable.

Reordered the list of eligible families to place 'first responders' immediately after 'low-income families' for better readability, removing the separate 'law enforcement' entry.

Updated the header to reflect that this is the 'Revised' version adopted on second reading, rather than the 'Reengrossed' version adopted in the House.

Engrossed → Reengrossed · 3 edits · Mar 2, 2026

MINOR

The bill's status was updated from 'Engrossed' to 'Reengrossed' to reflect that all amendments have been adopted in the House of Introduction. Additionally, the Senate sponsorship list was expanded to include five new co-sponsors, and a notice was added indicating that the current summary applies to the unamended version while a new summary for the reengrossed bill will be released later.

TECHNICAL

Added five new Senate co-sponsors to the bill's sponsorship list.

Updated the bill status header from 'Engrossed' to 'Reengrossed' to indicate the inclusion of all House amendments.

Inserted a notice stating the current summary is for the unamended version and a new summary will be available for the reengrossed version.

Introduced → Engrossed · 4 edits · Feb 25, 2026

MODERATE

The bill was amended to expand eligibility for mortgage loans to include first responders and law enforcement officers regardless of income, while simultaneously adding an income cap for these groups. The definition of 'first responder' was updated to specifically include peace officers, firefighters, emergency medical technicians, and corrections officers. Additionally, the bill was retitled from 'Introduced' to 'Engrossed' to reflect that it has passed both the House and Senate with amendments.

Scope change

The bill's scope expanded to explicitly include first responders and law enforcement officers as eligible borrowers, but this expansion is now limited by a specific income threshold.

ELIGIBILITY

Added an income cap for law enforcement and first responder families, limiting their loan eligibility to 110% of the qualifying income limits established by the Board.

Clarified that law enforcement and first responder families are eligible for loans irrespective of income, subject to the new cap.

DEFINITION

Updated the definition of 'first responder' to explicitly list peace officers, firefighters, emergency medical technicians, and corrections officers.

TECHNICAL

Changed the bill status from 'Introduced' to 'Engrossed' to indicate it has been amended and passed both legislative chambers.

Colorado Housing and Finance Authority Mortgage POST Officers First Responders

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