Every guide we've written. For the homeowner.
Wherever you are in this, there's something here for you.
You don't have to navigate foreclosure alone
A calm walkthrough of the whole process, start to finish.
→ Keeping your homeFalling behind on mortgage payments and scared
The map of what to do the moment payments start slipping
→ Understanding itDreading missed payments: How many to foreclosure?
The law counts days, not payments. The edge is farther than you fear.
→ Understanding itJolted by a notice of default and what to do
A warning, not the endgame. What the letter means and what comes next.
→ Understanding itHesitant to know: pre-foreclosure vs foreclosure
The difference between the two, and why it changes your timeline.
→ Understanding itConfused by judicial vs nonjudicial foreclosure
Two systems. Which one is aimed at your house, and why?
→ Understanding itCurious what a public trustee is in Colorado
A referee, not a rescuer or predator. The neutral office built into every Colorado home loan.
→ Understanding itUneasy about a Rule 120 hearing: what it means
What that court notice actually is, and the narrow things it decides.
→ Understanding itBracing to learn how a foreclosure auction works
Who runs it, who can bid, and what can survive the auction.
→ Keeping your homeWondering how to save your house from foreclosure
The real levers that stop a foreclosure are closer than you think
→ Keeping your homeHoping mortgage reinstatement can stop the sale
Catch up the missed payments, not the whole loan, and it ends.
→ Keeping your homeThe worry it's too late to stop your foreclosure
Every deadline, walked backward from the sale date.
→ Selling as a way outAnxious you can’t sell before foreclosure
A clear declaration of when you can and when you cannot sell
→ Selling as a way outIn foreclosure: unsure how to sell the right way
A walkthrough of the major items you need to get this done
→ Selling as a way outAfraid you can't sell for less than you owe
A guide of everything you need to know when selling underwater
→ Understanding itUnsure about how a short sale works?
Every step explained, from the hardship letter to the leftover debt.
→ Selling as a way outTorn between a deed in lieu vs short sale
Two hard doors, one honest look at which ends cleaner for you.
→ Selling as a way outTired: can I give my house back to the bank
Handing it back is real. Let's make sure it’s best for you.
→ Understanding itWeighing if voluntary foreclosure is right
Handing it back has a real name, and a real price.
→ Selling as a way outConsidering selling, hoping to rent back my home
The options and legal support to help you rent back your home.
→ Protecting yourselfYou deserve to know if a home offer is fair
How to tell a real offer from a lowball before you sign.
→ Protecting yourselfWronged by foreclosure scams: how to spot them
The common traps, and how to catch someone taking advantage.
→ Selling as a way outAfraid of what happens to equity in foreclosure
Where the auction money goes and how to keep what's yours.
→ Protecting yourselfBracing for how a short sale hurts your credit
It hurts about as much as foreclosure does, but it does not last forever.
→ Protecting yourselfWorried foreclosure will ruin your credit
Seven years, but the clock started earlier and recovery starts sooner.
→ Protecting yourselfUnsure what a deficiency judgment is
The debt can follow you out, but there is a real finish line.
→ Understanding itCredit bid: the term nobody explained to you
Why you might still owe money after the auction, in plain words.
→ Understanding itHoping the right of redemption undoes the sale
The legal name for a second chance, and where Colorado actually keeps yours.
→ Protecting yourselfHoping to claim surplus funds after foreclosure
Yes, that money is really yours, and you can claim it yourself.
→ Protecting yourselfDreading how long you can stay after foreclosure
The sale is not moving day. The law spells out your time.
→ Understanding itBlindsided by a reverse mortgage foreclosure
The loan that promised no payments can still end in foreclosure.
→ Keeping your homeWary of what loss mitigation actually offers
A real menu hides behind the jargon, and so does the catch.
→ Keeping your homeHoping a HUD approved housing counselor is real
Real people, really free, and how to tell them from the fakes.
→ Protecting yourselfWeighing foreclosure vs bankruptcy and afraid
One of these can keep your home. The other only pauses the loss.
→ Keeping your homeHopeful a mortgage repayment plan saves you
Yes, and it has a name. A few steady months can close this.
→ Keeping your homeWondering how a partial claim mortgage works
The fix is real: the missed months can wait at the back.
→ Understanding itDreading your second mortgage after foreclosure
The lien dies with the house. The debt needs its own ending.
→ Keeping your homeBlindsided by force placed insurance costs
The jump has a name, and you may be owed a refund.
→ Protecting yourselfBlindsided by a 1099-C cancellation of debt
Forgiven debt can count as income, but the exits are real.
→ Keeping your homeHoping a loan modification lets you stay
The stay-put fix: the loan changes so you and the house don't.
→ Keeping your homeWishing a mortgage forbearance pause works
A real pause, and the skipped months rarely land all at once.
→ Keeping your homeAfraid your loss mitigation application is wrong
The application has an answer key, and they must hand it to you.
→ Understanding itHoping your VA loan foreclosure is different
Yes, it is different, and mostly in the direction you were hoping.
→ Selling as a way outTired enough to let my house go to foreclosure
Being done is allowed. The do-nothing door just costs the most.
→ Protecting yourselfStunned by deed theft on the house you own
A stranger's paper cannot outrank the truth of who owns your home.
→ Protecting yourselfWorn down and hoping cash for keys is real
Sometimes leaving pays, and asking for it costs you nothing.
→ Selling as a way outDoubting what's better: short sale or foreclosure
On your score, a tie. On the debt and the road back, not even close.
→ Understanding itUnsure if USDA loan foreclosure is different
Same Colorado machine. Who stands behind it decides how patient they have to be.
→ Keeping your homeHoping Colorado emergency mortgage help is real
The state money was real, and it ran out. What still catches you up.
→ Protecting yourselfBlindsided by a zombie foreclosure in your name
Leaving was never the legal ending, and the deed may still say so.
→ Keeping your homeHoping a foreclosure mediation program buys time
No mediator in Colorado, but the date can still move for you.
→ Understanding itStunned an HOA foreclosure is real
Yes, they can. But the fuse is longer than the letter sounds.
→ Protecting yourselfAfraid to remove home improvements in foreclosure
The line between what is yours and what stays with the house.
→ Understanding itShaken by a tax lien sale in Colorado
It outranks the mortgage, but the fuse is years long and paying ends it.
→ Protecting yourselfBracing for what liens survive foreclosure
Recording order decides what the house carries out and what follows you.
→ Protecting yourselfAshamed to ask about renting after foreclosure
Yes, someone will. Here is what the screening actually sees.
→ Protecting yourselfHoping to buy again soon after foreclosure
Yes, you can own again. The wait runs two to seven years.
→ Keeping your homeHoping a refinance can stop your foreclosure
The swap is real, the takeover is narrower, and both race one clock.
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