Free tool
See the dates in your public trustee foreclosure process
Colorado foreclosure is unlike any other state's: no courtroom lawsuit and no sheriff — the county public trustee runs the sale under C.R.S. title 38, article 38, on a statutory calendar that starts with the Notice of Election and Demand and ends with the confirmation deed. Enter the date of a missed payment — or pick a sale month — and this free calculator estimates each date in that process. In Colorado, foreclosure runs through the county public trustee, not a lawsuit: the fastest lawful path from the first missed payment is roughly seven and a half to eight and a half months — the federal 120-day window (12 C.F.R. § 1024.41), then the recorded notice of election and demand, then the statutory window of 110 to 125 days to the sale (C.R.S. § 38-38-108) — followed by roughly another month of lienor-redemption periods and the confirmation deed before the buyer at the sale holds a deed. Rule 120 court scheduling, cure activity, loss-mitigation review, continuances, and bankruptcy routinely stretch real cases to a year or more.
Estimates use the date you enter. For most loans, federal rules bar the servicer from starting a foreclosure until the loan is more than 120 days delinquent (12 C.F.R. § 1024.41), and Colorado requires a pre-foreclosure notice — with the Colorado Foreclosure Hotline number and the servicer's loss-mitigation number — at least 30 days after default and at least 30 days before the foreclosure filing (C.R.S. § 38-38-102.5). Individual loans vary.
We estimate for a sale on the 1st of the month you choose. A Colorado public trustee sale is held on the date the trustee sets inside the statutory window — not less than 110 nor more than 125 calendar days after the notice of election and demand is recorded (C.R.S. § 38-38-108) — and real sale dates are often continued.
A Colorado public trustee sale follows 110 to 125 days after the Notice of Election and Demand is recorded — and after the sale the owner has no redemption right to fix things. A direct sale pays off the loan at closing and ends the process for this property. We will look at your house exactly as it sits and make a fair cash offer within 24 hours — free, with zero obligation.
Get my fair cash offer Call (844) 483-1067 Text (915) 277-7791
Estimates only. Public trustees set real sale dates inside the statutory window, sales get continued, and loss-mitigation review, cure activity, Rule 120 scheduling, and individual loan terms can stretch these dates. This tool is general information about Colorado foreclosure law, not legal advice; for advice about your case, talk to a Colorado attorney or a HUD-approved housing counselor — the Colorado Foreclosure Hotline offers free help. A sale may not end the debt, either: Colorado has no short post-sale deadline for a lender to chase a deficiency, though a lender that bid less than its good-faith estimate of the home's fair market value at the sale hands the borrower a defense (C.R.S. § 38-38-106). And after a public trustee sale the owner has no redemption period — only junior lienholders do — which is exactly why this calculator exists. If you would rather sell the house before the sale date, Wise Revival buys Colorado houses directly for cash: no fees, no commissions, an offer in 24 hours, and closing on a date you pick — before the sale. We never charge for advice and we make no rescue promises: just a straightforward purchase offer you can accept or decline — and if you are behind on the mortgage, Colorado's Foreclosure Protection Act gives you a cancellation right after signing, explained on our foreclosure page.
Related: Foreclosure in Colorado, explained · Behind on payments? · We buy houses in Colorado
The Wise Revival standard
The rules we never break.
Get started
Free, no obligation. We reply within 24 hours.
WISE REVIVAL