Foreclosure & mortgage help in Lakewood
Behind on payments, holding a Notice of Default, facing a sale date, or settling a family home in Lakewood? Get a straight answer from a local person — free, confidential, and never an upfront fee.
- Meet in person in Lakewood
- Family members always welcome
See your options
Step 1 of 3Helping Lakewood homeowners
Lakewood is the largest city in Jefferson County, and many owners here have been in the same home for decades. That usually means significant equity — and more ways out of a foreclosure than most people realize. We work across Lakewood, from Two Creeks and Morse Park to Green Mountain and Bear Creek.
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 →Lakewood neighborhoods we serve
- Belmar
- Green Mountain
- Bear Creek
- Union Square
- Two Creeks
- Morse Park
Zip codes we serve in Lakewood
- 80214
- 80215
- 80226
- 80227
- 80228
- 80232
- 80235
See all of Jefferson County or every area we serve.
Questions from Lakewood homeowners
Who handles foreclosures for Lakewood homes?
The Public Trustee in the county where the home sits. For most of Lakewood that is the Jefferson County Public Trustee.
How fast does foreclosure move in Lakewood?
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 Lakewood?
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.