Receiving a foreclosure notice can feel like the bottom just dropped out from under you. If you’re facing the possibility of losing your home in Colorado, know this: you’re not alone, and there is hope. While this season may feel overwhelming, there are steps you can take—practical, emotional, and spiritual—to find clarity and solutions.
Begin with Peace and Clarity
When life feels out of control—especially in a crisis like foreclosure—it’s easy to become overwhelmed by anxiety, fear, or even paralysis. Drawing from my background in occupational therapy and years of walking with people through challenging transitions, I’ve seen how healing happens, and problems are more effectively addressed when we care for the whole person: body, mind, and spirit.
Here are a few practical, holistic, and spiritual strategies to help you find calm in the storm—starting with you first:
1. Ground Yourself Physically
- Deep breathing – Inhale for four counts, hold for four, and exhale for four. Repeat several times.
- Progressive muscle relaxation – Slowly tense and release different muscle groups to ease physical tension.
- Move your body – A short walk, light stretching, or simply standing outside can shift your physical and emotional state.
2. Regulate Emotionally
- Name what you’re feeling – Journaling or talking with a trusted friend can help process emotions like fear, anger, or shame.
- Practice self-compassion – Speak to yourself the way you would speak to someone you love.
- Connect with others – Isolation makes things harder. Reach out to someone who can support you—a friend, family member, or spiritual mentor.
3. Refocus Cognitively
- Limit overwhelming input – Avoid doom-scrolling. Choose one or two trusted sources of information and take it one step at a time.
- Create a simple plan – Write down just one or two next steps for today. Small progress builds momentum.
- Use calming words or verses – Meditate on truth statements or spiritual texts can help ground your thoughts and focus .
4. Nurture Your Spirit
Whether you find peace through prayer, meditation, time in nature, or quiet reflection, reconnecting with your source of strength can help anchor you in something greater than your circumstances.
Personally, I turn to prayer to clear my mind and restore perspective and I find doing this out in nature or with movement mediation to be extremely beneficial for grounding and relaxation. But wherever you are on your spiritual journey, however you connect to your deeper sense of meaning—make space for it. It matters.
This season may be incredibly hard—but it won’t last forever. You are not your circumstances. You are a whole person, capable of finding strength, support, and the wisdom to take your next step.
Now to the Practical
Understand the Foreclosure Process in Colorado
Trying to understand the legal and financial aspects of foreclosure while under stress can feel like climbing a mountain in a dense foggy midst. But knowledge truly is power—and the more clearly you see the path ahead, the more confidently you can move forward.
In Colorado, foreclosure typically follows a non-judicial process, meaning it doesn’t go through the court system unless it’s contested. After you’ve missed a few mortgage payments, your lender may file a Notice of Election and Demand (NED)—which officially starts the foreclosure timeline.
From the date the NED is filed, you generally have 110 to 125 days before your home may be sold at a public auction. That window is critical. During this time, you still have options—and every day matters.
Let this be an encouragement: even if you feel behind, it’s not too late to reach out, gather information, and take action. You don’t have to figure it out alone.
Step One: Communicate with Your Lender
One of the most powerful steps you can take is also one of the hardest—calling your lender. But proactive communication is often the key to unlocking solutions.
Here’s how to approach that first call:
- Be honest about your financial situation.
- Ask questions and write down the answers.
- Keep a record of who you spoke with and when.
- Stay calm and respectful, even if emotions run high.
Most lenders aren’t looking to take your home—they’re looking for a resolution that works. Many are willing to work with you when you demonstrate humility, clarity, and the willingness to engage.
Step Two: Explore Your Options
You may have more options than you realize. Depending on your situation, you could:
- Loan Modification – Adjust loan terms to reduce monthly payments or interest rates.
- Forbearance Agreement – Temporarily pause or reduce payments during hardship (e.g., job loss or illness).
- Repayment Plan – Spread missed payments over time if you’re ready to resume paying.
- Short Sale – Sell the home for less than what’s owed, with lender approval.
- Deed in Lieu of Foreclosure – Voluntarily transfer ownership of the home to the lender to avoid foreclosure.
- Selling the Home – If you have equity, selling before foreclosure can protect your credit and give you a fresh start.
This is where our team can come alongside you to help you explore your selling options and move forward with dignity.
You Don’t Have to Navigate This Alone
Trying to make sense of your options while managing stress, work, and family can feel overwhelming. But one of the wisest and most courageous things you can do is ask for help.
Whether you need assistance understanding your legal rights, exploring your home’s value, or just someone to walk with you through the process—we’re here.
As someone who values both professional wisdom and spiritual hope, I believe deeply in guiding people through hardship with grace and truth. Whatever the next step is for you, we’ll help you find it—and walk it with you.
For more information, visit www.forepoint-14.com
Call 720-515-7358
Email [email protected]
