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A mortgage loan originator (MLO), is a licensed professional that assists a consumer seeking a loan to purchase a home or to refinance their existing home loan, and works with them throughout the loan approval process.

Many Colorado consumers may be experiencing some financial hardship during these economic times, and those living in homeowner associations (HOAs) that are not able to pay their HOA dues and assessments, together with the thought of losing their home through foreclosure, may be approached by a “savior in disguise.�