Pre-foreclosure is the period after you've missed payments but before the lender starts the formal foreclosure process. It is the single best time to act — every option is still on the table, your credit damage is still limited, and your equity (if any) is still yours to protect. The longer you wait, the fewer choices you have.
How it works
- 1
Stop, breathe, and inventory
Pull your loan statement, count the missed payments, and find every notice you've received.
- 2
Free COHFP consultation
We help you understand exactly where you sit on the Colorado foreclosure calendar.
- 3
Choose a path
Reinstate, modify, forbear, sell, or transfer — every option is reviewed in writing.
- 4
Execute
We coordinate with your servicer, an attorney if needed, and any agents involved.
Why homeowners choose this path
- Maximum options available — nothing is locked in yet
- Preserves equity that foreclosure auctions usually destroy
- Less damage to credit than a completed foreclosure
- Confidential — no public Notice of Default filed yet