Call these before you call me.
These are free, HUD-approved resources with no financial stake in your decision. If one of them solves it, that's a win — whether or not you ever list a property with anyone.
Colorado Foreclosure Hotline
Connects you directly with local, HUD-approved housing counselors who can speak to your mortgage company on your behalf and walk through every option available before a sale date.
HUD Approved Housing Counselor Search
If you'd rather find a local counseling agency directly, HUD maintains a search tool and a national line that will point you to one near Colorado Springs.
CRHDC — Community Resources & Housing Development Corp
A HUD-approved, bilingual nonprofit offering free mortgage delinquency and foreclosure prevention counseling, with offices serving the Denver metro area and the San Luis Valley.
Phone numbers and services change. If any number above doesn't connect, search "HUD approved housing counselor" plus your city, or call 2-1-1 Colorado for a warm handoff to local resources.
If a cure or modification isn't realistic
Sometimes the honest math says selling is the right move — and selling well, ahead of a sale date, keeps the equity you built instead of handing it to the lender at auction. I list these the same way I'd list any home: priced right, marketed properly, timed to your actual deadline.
See the full timeline →If the timeline is too short for either
When there simply isn't time left for a HUD counselor's process or a standard listing, I can refer a vetted cash buyer. It's the narrowest tool in the kit, used only when the calendar demands it — and I'll tell you plainly if you're not actually in that position.
Talk through your timeline →