Colorado cash home buyers
A few missed payments do not have to become a foreclosure. Sell for cash now, on your timeline, and walk away with the loan resolved and your options intact.
The process
Three simple steps. No pressure, ever.
Address and a few details about your situation. Takes 60 seconds.
A fair, no-obligation cash offer within 24 hours.
Close in as little as 7 days — or on your timeline.
Your situation
Most people fall behind gradually: one hard month, then another, and suddenly catching up means paying two or three payments at once — plus late fees — while every other bill is also due. In Colorado that matters more than most places, because once a lender starts the foreclosure process, the timeline to auction can be just weeks.
Wise Revival, founded by Alberto Molina and Kyle Sowell, buys houses from owners who are behind on payments all over Colorado. If you sell before the process starts — or early in it — you are choosing the outcome instead of having it chosen for you: a cash offer within 24 hours, a closing in as little as 7 days, and no repairs or catch-up payments needed first.
How we handle it
Reach out and tell us the basics: the address, about how far behind you are, and whether you have received any formal notices. We will give you a fair cash offer within 24 hours and a plain-English explanation of the numbers — what the sale would pay off and what you would walk away with, if anything. No judgment, no pressure, and no obligation.
If the offer works, we buy the house as-is and close on a date you choose — fast if the timeline demands it, later if you need time to line up your next home. Compare that with listing traditionally for months while the arrears grow: a cash sale stops the slide and resolves the loan on a date you can plan around.
Situations we see every week
The window where selling does the most good. Catch the problem while it is still small.
A notice of default starts a fast Colorado clock. Selling during it can still resolve the loan.
If the servicer denied a modification or the new payment is still too high, a sale is a real alternative.
If every month is a near-miss and the house needs work too, selling as-is can end the squeeze.
Behind on payments and behind on maintenance usually travel together. We buy it exactly as it sits.
Sell, resolve the loan, and choose your next home on purpose instead of under a deadline.
Colorado information
Colorado gives a borrower real runway, but it is a runway with fixed ends. For most servicer-handled loans, federal rules generally bar the first foreclosure filing until the loan is more than 120 days delinquent (12 C.F.R. § 1024.41). At least 30 days after a default and at least 30 days before filing, your servicer must also mail you a notice with the Colorado Foreclosure Hotline number and its loss-mitigation department's direct number (C.R.S. § 38-38-102.5), and Colorado law requires the servicer to give you a single point of contact and bars dual tracking while a loss-mitigation application is being evaluated (C.R.S. §§ 38-38-103.1, 38-38-103.2). Use that time: ask for the exact reinstatement figures in writing, apply for loss mitigation if you want to keep the home, and keep every letter — the combined notice the public trustee sends after a foreclosure starts states your cure and redemption rights and includes the text of the cure and redemption statutes (C.R.S. § 38-38-103).
Once the Notice of Election and Demand is recorded, the sale will be set 110 to 125 calendar days out (C.R.S. § 38-38-108). Your right to cure runs on two deadlines: the notice of intent to cure must reach the public trustee at least 15 calendar days before the sale, and the money — only what is actually past due, not the accelerated balance — must be paid by 12 noon on the day before the sale (C.R.S. § 38-38-104). After the sale there is no second chance for the owner: Colorado has NO owner redemption period, only redemption rights for junior lienholders (C.R.S. § 38-38-302). If the sale does not cover the debt, the lender can still pursue the difference on the note — although a lender that bid less than its good-faith estimate of the home's fair market value at the sale hands the borrower a statutory defense (C.R.S. § 38-38-106). If selling is the right move, doing it before the sale date keeps the choice yours; and if you sell to us while you are behind, the Foreclosure Protection Act protections described on our foreclosure page — a written contract with everything spelled out and a cancellation right until midnight of the third business day after signing — apply to the purchase (C.R.S. §§ 6-1-1111 to 6-1-1114). We charge no fees and make no rescue promises; we make a direct cash offer you can accept or decline.
The Wise Revival standard
The rules we never break.
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Free, no obligation. We reply within 24 hours.
Good to know
Yes. Being behind does not block a sale — the loan gets paid off from the sale proceeds at closing, like any other sale. The key is acting while there is still equity room and time, which is why sooner is better.
No. We buy houses from owners who are current, behind, and everywhere in between. You do not need to cure anything first.
That combination is exactly what we buy. We purchase as-is, so repairs are not your problem, and the offer reflects the real condition of the house.
In as little as 7 days. If you have received notices with deadlines, tell us — we will give you an honest answer within 24 hours about what timeline is realistic.
Tell us anyway. We will run the numbers and be straight with you. If a sale cannot solve it, hearing that early — for free, with no obligation — is still useful, and a HUD-approved counselor can walk through your other options.
WISE REVIVAL