Get the Colorado Foreclosure
Decision Guide
Understand the Process, Evaluate Your Options,
and Take Strategic Action
FREE COLORADO HOMEOWNER RESOURCE
Behind on Payments or Facing Foreclosure?
MAKING THE RIGHT DECISION SAVES YOU TIME, MONEY, AND STRESS.
My priority is helping you explore every option to keep your home. If keeping it isn't realistic, I'll help you protect your equity and move forward with a plan — never pressure to sell.
Why get the guide?
- Understand the Colorado foreclosure process
- Learn if available retention options fit your situation
- Use the Decision Assistant to find your next right step
- Know how to navigate when selling is your best option
Get instant access to this 25-page guide.
The Earlier You Act, the More
Options You May Have
Colorado’s foreclosure process moves through several important stages. Explore each stage to understand what may happen and why waiting can reduce available options.
Missed
Payments
Often several
payments behind
Explore stage
Missed Payments
Missing payments can result in late charges, collection contacts, and notices from the loan servicer. The formal Public Trustee foreclosure may not have been filed yet.
Why acting now matters: This is generally the best time to contact the servicer, gather financial and hardship documents, and explore possible home-retention options.
Foreclosure
Filed
NED recorded with
Public Trustee
Explore stage
Foreclosure Filed
The formal Public Trustee foreclosure begins when the Notice of Election and Demand, commonly called the NED, is recorded.
What to do: Open every notice, confirm the scheduled sale date with the county Public Trustee, and immediately evaluate both retention and non-retention options.
Resolution &
Cure Window
Original sale generally
set 110–125 days later
Explore stage
Resolution and Cure Window
For most non-agricultural properties, the original foreclosure sale is generally scheduled 110–125 calendar days after the NED is recorded.
Possible paths: Options may include curing the default, requesting loss mitigation, seeking legal or bankruptcy advice, refinancing, or selling before the auction when keeping the home is not realistic.
A sale may sometimes be continued, but a homeowner should never assume that additional time will be provided.
Intent to Cure
Deadline
File at least 15 days
before scheduled sale
Explore stage
Intent to Cure Deadline
An eligible party seeking to bring the loan current must generally file a Notice of Intent to Cure with the county Public Trustee at least 15 calendar days before the scheduled sale.
Important distinction: Filing the notice requests the official cure amount. It does not complete the cure by itself. The required funds must still be delivered by the applicable deadline.
Public Trustee
Sale
Public auction and
possible loss of ownership
Explore stage
Public Trustee Sale
When the foreclosure has not been cured, withdrawn, postponed, or otherwise resolved, the property may be offered through the Public Trustee auction.
Why the sale date is critical: Colorado property owners generally do not have a right to redeem the home after the foreclosure sale. Title and possession proceedings may follow.
Clear Information. Realistic Options.
Strategic Action.
If you're behind on payments or watching a sale date get closer, it can feel like you're out of time and out of options. In nearly 25 years in real estate, including years spent working directly as a housing counselor, I've seen how often that isn't true — I've also seen homeowners lose valuable time chasing unrealistic fixes while overlooking options that could have helped them keep their home.
My role is to give you clear, insider-informed guidance on the foreclosure process, lender expectations, retention options, short sales, and other realistic paths — so you can evaluate your situation and take strategic action instead of guesswork. I strongly support nonprofit housing-counseling agencies, and this Guide is designed to help you walk into that conversation prepared.
Be cautious of unsolicited promises from agents, investors, or possible scammers. Use the free Colorado Foreclosure Decision Guide to get grounded first, then reach out for a straightforward, no-pressure conversation.
I am paid only if your home sells—and selling is considered only when it may help prevent foreclosure, preserve equity, or reduce damage to your credit.
- Rogelio
You Don’t Have to Navigate This Alone
I help Colorado homeowners understand the foreclosure timeline, evaluate available options, and protect their equity whenever possible.
8* Years
as a HUD-Approved Housing Counselor
Hundreds of Families
Helped navigate difficult housing decisions
Colorado Experience
Local real estate and foreclosure insight
Retention First
Selling considered only when retention is not realistic insight
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