Colorado's public trustee foreclosure system is one of the fastest in the country. Once the Notice of Election and Demand is recorded, you have a limited window to cure, pay off, or sell. If you're behind on payments and running out of options, we can buy your land before the sale date. Cash in 7-14 days. Call 970-478-1022 right now or fill out the form.
Most states use judicial foreclosure, which takes months or years. Colorado uses a public trustee system under C.R.S. Title 38, Article 38. It's non-judicial, it's fast, and it's brutal if you don't know the rules.
Here's the basic timeline. After you miss a few payments, the lender's attorney files a Notice of Election and Demand (NED) with the county public trustee. Once the NED is recorded, the sale date is set for roughly 110-125 days out. You can cure the default up until 15 days before the sale, or pay off the loan entirely at any time before the sale.
That's not a lot of time. And every day that clock runs, the legal fees and advertising costs get added to your payoff balance. We've bought land from owners who called us 20 days before the sale — we still closed in time.
If there's any equity in your land, we can buy it, pay off the lender in full, and put the difference in your pocket. That's the whole deal. No judgment against you, no foreclosure on your credit.
Vacant land, mountain lots, agricultural ground, raw acreage, commercial parcels — all of it. We've closed foreclosure rescues in Pueblo, Weld, El Paso, and Costilla counties.
We don't charge you anything. We don't ask for an "option fee" or "processing fee." We write you a purchase contract, we close at a title company, and you walk away clean.
A completed foreclosure sits on your credit report for 7 years. Selling before the sale keeps that off your record entirely. That single fact is worth tens of thousands of dollars to most owners in future borrowing costs.
Our simple 3-step process makes selling your land fast and easy
Fill out our simple form or give us a call. Tell us about your property and what you're looking for.
We'll evaluate your property and present you with a fair, no-obligation cash offer within 24 hours.
Choose your closing date. We handle all the paperwork and cover closing costs. Get paid in as little as 7 days.
Colorado public trustee sales are listed weekly in every county. In 2024 alone, Colorado recorded over 5,800 NEDs statewide, with Weld, Adams, Pueblo, and El Paso counties leading the volume. Most of those properties will go to sale. A small fraction will sell to cash buyers like us first.
Case 1: Pueblo County, 35 acres, 21 days to sale. An owner called us on a Thursday. The public trustee sale was scheduled for the following Thursday three weeks out. Loan payoff was $72,000, land comped at $115,000. We closed in 11 days, paid off the lender, and the seller walked with $38,000 and zero foreclosure on their record.
Case 2: Weld County, 10 acres, inherited mortgage. A family inherited land with an outstanding loan they couldn't afford. NED was filed 60 days earlier. We bought the land, paid the mortgage in full at closing, and the family avoided probate complications and foreclosure both.
Case 3: Costilla County, 5 acres in San Luis Valley. A remote lot with a small loan balance. The owner didn't even know foreclosure had started — the NED notice went to an old address. We got the call with 9 days left. Closed in 7.
If you're facing foreclosure anywhere in Colorado — Pueblo, Greeley, Colorado Springs, or rural counties — call us today. Every day matters. We also buy probate land, mineral-rights land, and agricultural land in any condition.
Serving all 64 counties across the state
Get answers to common questions about selling your land
We've closed in 7 days when the deadline was tight. Standard closings run 10-14 days. Call us the moment you know the sale date. The earlier you call, the cleaner the transaction. Don't wait until the last week — title work still takes real time.
A completed foreclosure stays on your credit report for 7 years. Selling before the sale keeps it off entirely. There's no public trustee sale record, no deficiency judgment, no foreclosure flag. Your credit score takes a much smaller hit from missed payments alone. That difference matters for years.
Then we try to negotiate a short sale with your lender. We've done this several times in Colorado. It requires lender cooperation and takes 30-60 days minimum, so it only works if the sale date is far enough out. Call us early so we have time to work with your bank.
Zero. We don't charge option fees, processing fees, or anything else. We write a purchase contract, close at a licensed Colorado title company, and pay all closing costs ourselves. You walk away with the net cash after the loan payoff and nothing less.
Maybe — it depends on the loan payoff and title status. If the numbers work and the title is clean, yes. We've closed inside a week. If there are title problems or the payoff is unclear, we need more time. Call right now so we can check.
Yes — you own the property until the public trustee sale. You have the legal right to sell it at any time before the sale date. The lender just gets paid off at closing. We've done this hundreds of times across Colorado. Your ownership rights don't disappear until the sale is final.
Weld, Adams, Pueblo, and El Paso lead most years. But NEDs get filed in all 64 counties. We buy land from any county, and we handle the coordination with every public trustee office in the state. Location doesn't slow us down — the clock does.
We don't do loans or forbearance — we buy. But if you're behind and can catch up within the cure period (up to 15 days before sale), cure the default directly with your lender. If you can't cure, selling to us before the sale is almost always the best remaining option.
Fill out the form below or call us at 970-478-1022
970-478-1022
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