Garden of the Gods, red rock formations against a bright spring sky in Colorado Springs.
Colorado Springs · Pre-Foreclosure Guidance

It's not too late.
It's paperwork, and it's a clock.

You're not behind — you're on a schedule you didn't choose. I'll walk you through your timeline first — because the clock, not me, decides whether free help, a fast listing, or something else is your best move.

The order I work in

Free help comes first. A sale comes second. A quick cash offer comes last — if it comes at all.

I

Free, HUD-approved help

Before anything else, I connect you with counselors at CRHDC and the Colorado Foreclosure Hotline. No cost. No listing. No obligation to work with me at all.

II

Protect your equity

If selling genuinely makes sense, we list it properly, on a timeline that respects the clock you're on — so what you've built stays yours, not the bank's.

III

A fair cash sale, last

Only if I and II don't fit your timeline, I can refer a vetted cash buyer. That's a last resort by design — never the opening pitch.

Where the clock actually runs

A real filing has real stages. Here's the short version.

Stage 1

Notice is filed

The Public Trustee records a Notice of Election and Demand. The clock starts — but you still have real options.

Stage 2 — often "right now"

The cure window

This is where most homeowners actually are when they first call. It's the widest window for free counseling and listing options both.

Stage 3

Sale date set

Options narrow, but they don't disappear. Speed matters more than anything else at this stage.

Walk the full timeline →
Who's on the other end of the call

Thirty years spent building things meant to last. Now I help people keep the one they already built.

I spent most of my career as a contractor and builder before I got my broker's license — including my own custom home build right here in Colorado Springs, stone staircase and all. I don't think of a house as a transaction. I think of it as something somebody built, room by room, and I take it personally when someone's at risk of losing it over a form they didn't fully understand.

More about Gerrard →
A person standing at a fork in a wooded path, deciding which way to go — the moment this whole site is built around.
In his words

"I've been in pre-foreclosure. Free help exists."

That's the whole opening line I use at your door, because it's the whole point: most people in this situation don't know free, no-obligation help is sitting right there. Finding that out is step one. Everything else comes after.

Whatever stage you're in, the next step is a conversation, not a commitment.