Foreclosure & mortgage help in Thornton
Behind on payments, holding a Notice of Default, facing a sale date, or settling a family home in Thornton? Get a straight answer from a local person — free, confidential, and never an upfront fee.
- Meet in person in Thornton
- Family members always welcome
See your options
Step 1 of 3Helping Thornton homeowners
Thornton has grown quickly, and many homeowners bought in the last several years — sometimes with thin equity and a payment that left little room for a job change. We look at your real numbers first and tell you honestly which options fit, from catching up to selling on your terms.
How the foreclosure clock works in Adams County
Colorado forecloses most homes through the county Public Trustee. In Adams County, that is the Adams County Public Trustee (Treasurer & Public Trustee’s office). Foreclosures in Adams County are handled by the Public Trustee division of the Adams County Treasurer & Public Trustee’s office in Brighton.
- 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 →Thornton neighborhoods we serve
- Eastlake
- Hunters Glen
- Thorncreek
- Riverdale
Zip codes we serve in Thornton
- 80229
- 80233
- 80241
- 80260
- 80602
See all of Adams County or every area we serve.
Questions from Thornton homeowners
Who handles foreclosures for Thornton homes?
The Public Trustee in the county where the home sits. For most of Thornton that is the Adams County Public Trustee (Treasurer & Public Trustee’s office).
How fast does foreclosure move in Thornton?
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 Thornton?
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.