You don't have to work with us to get help. The free, independent organizations listed below can talk with you about your loan, your options and your rights.
Every situation is different. Most come down to one question: do you want to stay, or is it time to move on?
Many homeowners still have options after a foreclosure notice is filed, like a loan modification, a forbearance, or a repayment plan. We'll connect you with free HUD-approved housing counselors and help you prepare the questions to ask your loan servicer.
Timing matters: under federal rules, a complete loss-mitigation application received more than 37 days before a scheduled sale generally has to be reviewed before the sale can go forward.
If keeping the home isn't the right fit, we can talk about selling it as-is, on a timeline that works for you, with no repairs and no showings. We buy homes directly, and we'll explain exactly how our offer works.
You're never obligated to accept an offer.
Free housing counseling for Coloradans, including foreclosure prevention and help talking to your servicer.
Find a HUD-approved housing counselor near you, at no cost.
Connects you with local help for housing, food, utilities and more, in many languages.
Need help with food, utility bills or health care too? See community help. →
Your servicer contacts you about the missed payments. This is the best time to ask about a repayment plan, forbearance or modification.
The foreclosure is formally started with the county Public Trustee. You'll receive mailed notices with the scheduled sale date.
Colorado lets you bring the loan current ("cure") up to a deadline shortly before the sale. The exact deadline is on your notices, and it can move if the sale is continued.
If nothing changes, the Public Trustee holds the sale. Acting before this point keeps the most options open.
This is a general overview, not legal advice. Your notices from the Public Trustee have the dates that apply to you.
No one can honestly promise that, and we won't. What we can do is help you understand where you are in Colorado's foreclosure process, connect you with free counseling, and, if selling makes sense for you, give you a clear offer.
Usually not. Many homeowners can still apply for a loan modification or forbearance after the notice is filed, until shortly before the sale. The sooner you act, the more options you tend to have.
A real person will reach out to you.