Navigating

Pre-Foreclosure & Unique Needs.

Life can throw some tough curve balls: job loss, serious illness or injury, divorce, the death of a partner, or losing a tenant who helped cover the mortgage.

The Reality

When finances tighten up, it happens more often than people talk about, and it can feel isolating.

It is common to feel denial, grief, or even shame, and that delay can limit your options.

The good news is you still have options.

You Still Have Options.

Facing Mortgage Trouble?

We are here to provide you with personalized service and help you achieve your home-buying goals. We take the time to get to know you and your needs so that we can find the perfect home for you. We are dedicated to going above and beyond to ensure that your home-buying experience is smooth and stress-free.

Traditional Sale

Near market price, more time on market, best if home is in good condition.

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Cash Buyer Sale

Work with a team who has knowledge and remarkable experience in the local market, with countless awards, and thousands of transactions.

Short Sale

Lender approval required, can help avoid foreclosure and Trustee’s Sale.

Understanding
Your Path Forward

If you have equity in your home

You may be in Pre-Foreclosure or “soon‑to‑be” Pre‑Foreclosure but still have equity. In that case, you typically have two main paths:

  • Traditional Sale
    Work with an experienced real estate professional (Realtor) to price your home near market value, attract qualified buyers, and aim for a timely contract and closing. This can be a strong option when your home is in good condition with minimal deferred maintenance or updating needed.
  • Cash Buyer Sale
    Partner with an experienced Realtor who can connect you with vetted cash investors looking for homes they can update, renovate, and resell. This can be ideal when life circumstances have led to deferred maintenance or needed updates that make it harder to attract traditional “move‑in ready” buyers.

If you owe more than it's worth

If you owe more than the current market value and are in Pre‑Foreclosure or “soon‑to‑be” Pre‑Foreclosure, a Short Sale may be available. In a Short Sale, you work with an experienced Realtor and your mortgage lender to sell the property for less than the amount owed, with the lender’s approval, to avoid foreclosure and a Trustee’s Sale.

Timing in Colorado

If you have already missed a mortgage payment in Colorado, you generally have about 110 days to resolve the delinquency before a Trustee’s Sale and possible eviction. There is often still time to act in most situations, especially if you start the process early and have guidance.

* A former primary residence that later became a rental or investment property or a property purchased with the intention of being an investment property MAY also qualify for any of these three options, depending on your lender’s guidelines and your particular situation.

"None of these paths are 'easy,' but they can be navigated with the right, compassionate professionals by your side."

Reviews

Hear From Happy Clients

"Life is HARD sometimes and it doesn’t always go as planned! I found myself in that predicament and got behind on my mortgage payments despite years of on-time paymen…
John A.
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Services Offered

Tailored Solutions

We understand the stress and uncertainty that pre-foreclosure can bring. Let us be your trusted partner as you navigate this challenging time.

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Comprehensive Property Assessment

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Strategic Pricing and Marketing

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Negotiation and Representation

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Personalized Support

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Connection to Resources

Home Valuation

Expertise in the Local Market

Pricing your home correctly is an essential task in today's real estate market. We diligently keep up with market trends to ensure we stay informed about the rapidly changing conditions. Drawing upon our extensive experience, local knowledge, and abundant data resources, we will collaborate with you to devise a pricing strategy that optimizes the value of your home. Additionally, we will create a customized marketing plan tailored to your property, providing guidance on matters such as the potential benefits of hosting an open house.

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Staging Success and Fixing Finesse

We help make your property shine before planting the sign

Experience our proven and tailored home marketing program, delivering maximum value in record time, and ensuring an exceptional real estate journey.

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Partnering

Recommended Resources

Colorado Foreclosure Hotline

We recommend you seek expert assistance regarding your foreclosure. One of the best resources available is the Colorado Foreclosure Hotline.

(877) 601-4673

Colorado Housing Connects

Speak with a HUD approved housing counselor. They can assist when it comes to foreclosure prevention and if you are behind on your housing payment.

Vist Website

Colorado Legal Services

A non-profit organization that helps low income individuals and seniors seeking assistance with civil legal needs including foreclosure.

Visit Website

Veterans Administration (VA)

If you are a veteran and are facing foreclosure or homelessness, you can reach additional assistance.

Visit Website

Time to Make

Your Dream a Reality

Whether you're buying, selling, or exploring real estate opportunities in Pikes Peak and Royal Gorge region, we're here to help. Our dedicated team is ready to guide you through the process and make your real estate journey a success. Contact us today to get started!

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