Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Colorado uses a nonjudicial (public trustee, with court Rule 120 hearing) foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Homeowner may fully reinstate the loan: file a written Notice of Intent to Cure with the public trustee at least 15 calendar days before the sale date, then pay the cure amount (all past-due sums, fees, and costs — not the full loan balance) by 12 noon on the day before the sale. If the sale is continued, deadlines track the new sale date. C.R.S. §38-38-104
Before the sale: No separate pre-sale redemption; the homeowner's rights before the sale are the right to cure/reinstate under §38-38-104 or to pay off the loan in full any time before the sale.
After the sale: NONE for the homeowner — owner post-sale redemption was abolished effective 2008. Only junior lienholders may redeem: notice of intent to redeem within 8 business days after the sale; the most senior junior lienor redeems 15-19 business days after the sale (each subsequent lienor gets 5 more business days). Exception: HOA foreclosures allow the owner a 180-day redemption. C.R.S. §38-38-302 · C.R.S. §38-38-104
The homeowner owns the property and can sell or refinance it (paying off the loan) at any time up until the moment the foreclosure sale is held. After the sale, title vests in the winning bidder (subject only to junior-lienor redemption), and the owner has no right to redeem.
Want the fuller picture beyond the dates? Read the Colorado foreclosure guide — timeline, rights & options.
Property taxes are enforced by annual tax lien sale, not foreclosure of the home itself. The owner may redeem the tax lien (pay taxes, interest, and costs) at any time before a treasurer's deed is executed. Under the process effective July 1, 2024 (HB24-1056, C.R.S. Title 39 Art. 11.5), the lien holder may apply for a public auction of a certificate of option for treasurer's deed no sooner than 3 years after the tax lien sale, and the owner can still redeem up to execution of the deed; excess auction proceeds go to the former owner. (The old §39-11-120 direct-deed process was replaced in 2024.) C.R.S. §39-12-103; C.R.S. §39-11.5-101 et seq. (HB24-1056)
Statutory minimum ~110-125 days from NED recording to the initial sale date for residential property; in practice roughly 4-7 months from NED because sales are commonly continued and Rule 120 authorization must be obtained (practitioner estimate). (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.