Foreclosure & mortgage help in Fort Collins
Behind on payments, holding a Notice of Default, facing a sale date, or settling a family home in Fort Collins? Get a straight answer from a local person — free, confidential, and never an upfront fee.
- Meet in person in Fort Collins
- Family members always welcome
See your options
Step 1 of 3Helping Fort Collins homeowners
Fort Collins homes hold their value well, which means falling behind here usually still leaves you with options. We help owners near CSU and Old Town, in established Midtown neighborhoods, and in newer subdivisions on the south and east sides.
How the foreclosure clock works in Larimer County
Colorado forecloses most homes through the county Public Trustee. In Larimer County, that is the Larimer County Public Trustee (run by the County Treasurer’s office). Foreclosures in Larimer County are handled by the Public Trustee within the Larimer County Treasurer’s office in Fort Collins.
- Notice of Election and Demand. The lender files it with the Public Trustee — this is the “Notice of Default” that makes the foreclosure public.
- Sale date set. For most homes the sale is scheduled 110 to 125 days after recording (215 to 230 days for agricultural property).
- Court order. The lender must get a court order authorizing the sale (a Rule 120 hearing) before it can happen.
- Your cure deadline. File a Notice of Intent to Cure at least 15 calendar days before the sale and pay by noon the day before.
Dates can move when sales are postponed, so always confirm your file with the Public Trustee. See the full Colorado foreclosure timeline →
Whatever brought you here, start with a free, honest conversation.
Behind on payments
Job loss, medical bills, divorce or a payment that jumped. We look at catching up, a private loan, or a sale — before it becomes a foreclosure.
Talk it through →Notice of Default or sale date
Bailout and second-lien loans through our lender partners, or a sale that keeps your equity yours.
See my options →Seniors & families
Fixed income, a reverse mortgage, rising taxes, or a move to assisted living. We go slowly and welcome family to the table.
Get patient help →Inherited homes
Back payments, liens or repairs on an inherited house — we handle the property side alongside your estate attorney.
Ask about an estate →Fort Collins neighborhoods we serve
- Old Town
- Midtown
- Campus West
- Rigden Farm
- Fossil Creek
- South Fort Collins
- North Fort Collins
Zip codes we serve in Fort Collins
- 80521
- 80524
- 80525
- 80526
- 80528
See all of Larimer County or every area we serve.
Questions from Fort Collins homeowners
Who handles foreclosures for Fort Collins homes?
The Public Trustee in the county where the home sits. For most of Fort Collins that is the Larimer County Public Trustee (run by the County Treasurer’s office).
How fast does foreclosure move in Fort Collins?
Colorado foreclosures move quickly: for most homes the sale is set 110 to 125 days after the Notice of Election and Demand is recorded. To cure, file a Notice of Intent to Cure at least 15 calendar days before the sale and pay by noon the day before.
Will you meet me in person in Fort Collins?
Yes. Jeff meets homeowners in person, and family members, attorneys and advisors are always welcome.
Does talking to you cost anything?
No. The conversation is free and confidential, and we never charge upfront fees.
Free, neutral counseling: Colorado Foreclosure Hotline, 1-877-601-4673.