Foreclosure & mortgage help in Larimer County, Colorado
Missed mortgage payments, a Notice of Default, a sale date on the calendar, or an inherited house in Larimer County? Vindicator Solutions helps homeowners in Fort Collins, Loveland, Windsor, Wellington, Timnath, Berthoud and across Larimer 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 Larimer County
Larimer County ranges from Fort Collins and Loveland to mountain towns like Estes Park and Red Feather Lakes. We talk with families who bought near CSU or in newer Timnath and Wellington subdivisions, owners whose mountain cabins have become hard to insure, and adult children settling a parent’s home in Loveland. We will help you weigh catching up, refinancing with a private lender, or selling — and point you to free HUD-approved counseling too.
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 →Cities and towns we serve in Larimer County
- Fort Collins
- Loveland
- Windsor
- Wellington
- Timnath
- Berthoud
- Estes Park
- Laporte
- Bellvue
- Red Feather Lakes
Zip codes we serve in Larimer County
- 80512
- 80513
- 80515
- 80517
- 80521
- 80524
- 80525
- 80526
- 80528
- 80532
- 80535
- 80536
- 80537
- 80538
- 80545
- 80547
- 80549
- 80550
Questions from Larimer County homeowners
Who handles foreclosures in Larimer County?
The Larimer County Public Trustee (run by the County Treasurer’s office). It records the Notice of Election and Demand, sets the sale date and runs the sale. Foreclosures in Larimer County are handled by the Public Trustee within the Larimer County Treasurer’s office in Fort Collins.
How long do I have before a foreclosure sale in Larimer 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 Larimer County?
Yes — including Fort Collins, Loveland, Windsor, Wellington, Timnath, Berthoud, Estes Park, Laporte, Bellvue and Red Feather Lakes. 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.