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Stop Foreclosure In Lone Tree, CO: Options And Help

Stop Foreclosure in Lone Tree, Colorado

Options, deadlines and a live person: 303-955-4220

Stop foreclosure in Lone Tree, Colorado: your options and what to do this week

Behind on your mortgage in Lone Tree? You have options before the public trustee sale: stop the foreclosure, sell your home before the auction, or negotiate a short sale. The Kenna Real Estate Group helps homeowners across Douglas County and the Front Range compare all of them, with your real numbers, at no cost. Call or text us the day you get a notice. Call or text 303-955-4220. A live person answers. Not a robot, not a phone tree.

The short answer

What should I do if I got a foreclosure notice?

Do not ignore it. The date on the notice is your deadline. Talk to your servicer, talk to a HUD-approved housing counselor, and get a second opinion from a Colorado agent who handles short sales. The Colorado Foreclosure Hotline is 1-877-601-4673.

Foreclosure in Lone Tree: what is different here

Lone Tree is in Douglas County, and the Douglas County Public Trustee runs the sale. Most Lone Tree homes sit in HOAs, so ask for the HOA payoff at the same time you ask your servicer for a payoff.

The foreclosure clock for Lone Tree owners

A typical Colorado foreclosure runs about 110 to 125 days from the recorded notice to the Douglas County Public Trustee sale. Your notice shows your real dates.

Day 0: notice recordedDay 95Day 110-125: sale
Days 0 to 95: your widest optionsReinstate, modify, list for sale or start a short sale with time for the servicer to respond.
About day 95: cure deadlineOwners can cure the default up to about 15 days before the sale date. Ask your servicer for the exact date and payoff in writing.
Days 110 to 125: the saleThe Douglas County Public Trustee holds the auction. A sale can be postponed only by the servicer or by law, so do not count on it.

Your four ways out

Step 1

1. Catch up, modify or pause

Reinstate the loan, or ask for a loan modification, repayment plan or forbearance. Get every quote in writing. Apply early.

Step 2

2. Sell before the auction

If you have equity, a fast sale can pay off the loan and put money in your pocket.

Step 3

3. Short sale

If you owe more than the home is worth, the lender may approve a sale for less. We prepare the package.

Step 4

4. Deed in lieu

You hand the home back to the lender in exchange for release. Ask about deficiency in writing.

Foreclosure homes for sale in Lone Tree

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Local anchors

Foreclosure in Lone Tree: who to know

Douglas County Public Trustee

Runs the foreclosure sale for Lone Tree addresses. Your notice lists your sale date.

Douglas County

The public trustee posts foreclosure filings and sale dates for the county.

Colorado Foreclosure Hotline

1-877-601-4673. Free, HUD-approved counseling.

Kenna Real Estate Group

Short sale and sell-before-auction help in Lone Tree. 303-955-4220.

Compare the decision

Short sale or foreclosure?

Compare the two on the numbers that matter.

Short sale

You choose the exit

Sell with lender approval.

  • Shorter wait to buy again
  • You control the timeline
  • Ask for a deficiency release in writing
Foreclosure

The lender chooses

The public trustee sells the home.

  • Longer credit recovery
  • Sale date is set for you
  • You may still owe a deficiency

Stop foreclosure in Lone Tree: questions people ask

Can I stop a foreclosure in Lone Tree?

Often you can pause or avoid it if you act before the sale date. Options include reinstating the loan, a loan modification or forbearance, selling the home, a short sale or a deed in lieu. Call your servicer and call us the same day.

How long does foreclosure take in Colorado?

Colorado sets the sale roughly 110 to 125 days after the Notice of Election and Demand is recorded. Continuances and loss mitigation can push it back. Check your notice for your exact dates.

Can I sell my house during foreclosure?

Yes. You can list and sell before the sale date. Selling for what you owe or more pays off the loan. If you owe more than the home is worth, a short sale needs the lender's approval.

What is a public trustee sale?

In Colorado the Douglas County Public Trustee runs the auction. Your foreclosure notice lists the sale date and the amount owed. Homes that do not sell to a third party go back to the lender as bank-owned (REO) homes.

Is a short sale better than foreclosure?

For many owners, yes. A short sale usually costs less in long-term credit damage and lets you decide how you leave. Read the comparison linked below and ask us about your numbers.

Will I owe money after a short sale or foreclosure?

It depends on your loan and the lender. Read our deficiency judgment guide and get any release in writing before you sign.

Talk to us before your sale date

Free, confidential and no pressure. We will review your notice and your numbers with you.

Call 303-955-4220Text Kenna Real Estate Group

Get foreclosure help in Lone Tree

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