Foreclosure & mortgage help in Jefferson County, Colorado
Missed mortgage payments, a Notice of Default, a sale date on the calendar, or an inherited house in Jefferson County? Vindicator Solutions helps homeowners in Lakewood, Arvada, Golden, Wheat Ridge, Westminster, Littleton and across Jefferson County protect their equity — free, confidential, and never an upfront fee.
- A real local person, not a call center
- Family members always welcome
See your options
Step 1 of 3Helping homeowners in Jefferson County
Jefferson County mixes established suburbs — Lakewood, Arvada, Wheat Ridge — with mountain communities like Evergreen, Conifer and Pine. Mountain homes bring their own issues: wells, septic, wildfire insurance that has jumped in price, and fewer buyers in a hurry. In the suburbs we often meet owners who have been in the same house for decades and have a lot of equity to protect. Either way, we will walk through the numbers with you and your family.
How the foreclosure clock works in Jefferson County
Colorado forecloses most homes through the county Public Trustee. In Jefferson County, that is the Jefferson County Public Trustee. Foreclosures in Jefferson County are handled by the Office of the Jefferson County Public Trustee in Golden. Its Foreclosure Property Search shows the date your foreclosure was recorded.
- 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 →Cities and towns we serve in Jefferson County
- Lakewood
- Arvada
- Golden
- Wheat Ridge
- Westminster
- Littleton
- Edgewater
- Morrison
- Evergreen
- Conifer
- Pine
- Indian Hills
Zip codes we serve in Jefferson County
- 80002
- 80003
- 80004
- 80005
- 80007
- 80021
- 80033
- 80123
- 80127
- 80128
- 80214
- 80215
- 80226
- 80227
- 80228
- 80232
- 80235
- 80401
- 80403
- 80425
- 80433
- 80439
- 80454
- 80457
- 80465
- 80470
Questions from Jefferson County homeowners
Who handles foreclosures in Jefferson County?
The Jefferson County Public Trustee. It records the Notice of Election and Demand, sets the sale date and runs the sale. Foreclosures in Jefferson County are handled by the Office of the Jefferson County Public Trustee in Golden. Its Foreclosure Property Search shows the date your foreclosure was recorded.
How long do I have before a foreclosure sale in Jefferson County?
For most homes the sale is set 110 to 125 days after the Notice of Election and Demand is recorded (215 to 230 days for agricultural property). To stop it by curing, file a Notice of Intent to Cure at least 15 calendar days before the sale and pay by noon the day before.
Do you work everywhere in Jefferson County?
Yes — including Lakewood, Arvada, Golden, Wheat Ridge, Westminster, Littleton, Edgewater, Morrison, Evergreen, Conifer, Pine and Indian Hills. If you don’t see your area, call anyway.
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. More reading: what a Notice of Default means · how to stop a foreclosure sale.