Key Takeaways
- A county office runs it: the Pueblo County Public Trustee, at 215 W 10th Street, Room 104, handles foreclosures on Pueblo houses. No lawsuit is needed to start one.
- The sale is 110 to 125 days out: the clock starts when the notice of election and demand is recorded. Sales are held on Wednesdays at 10:00 a.m.
- The cure deadline is 15 days before the sale: file a notice of intent to cure by then, and deliver the money by 12 noon the day before the sale (C.R.S. 38-38-104).
- There is no owner redemption after the sale: the weeks before the sale are the window for every option in this guide.
- Extra sale money belongs to you: you can claim surplus funds yourself, and a finder's fee agreement for them is not enforceable (C.R.S. 38-38-111).
- Free help is one call away: the Colorado Foreclosure Hotline, 1-877-601-HOPE (4673), refers homeowners to housing counselors.
If you are behind on your mortgage in Pueblo, Colorado, you likely have more time and more choices than the first letter suggests. To stop foreclosure in Pueblo, the work happens before one date: the Pueblo County Public Trustee sale. Until then, you still own the house. You can catch up, change the loan, or sell, privately and on terms you set.
This guide covers what is specific to Pueblo County: the local office, its calendar, the local court, and free help nearby. For the full statute walk-through, see our guide on how to stop foreclosure in Colorado. Here, the focus stays on Pueblo and on the choices in front of you.
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Let's chatHow Pueblo County Public Trustee Foreclosure Works
Pueblo County Public Trustee foreclosure is non-judicial, which means a county office runs the sale instead of a judge (C.R.S. Title 38, Article 38). Colorado deeds of trust name the county Public Trustee as trustee. Pueblo County describes the office as a neutral intermediary between the borrower and the lender, created by state law in 1894.
When a loan goes into default, the lender's attorney files the required papers with the Public Trustee. The office then records a notice of election and demand, often called the NED, with the Pueblo County Clerk and Recorder. That recording starts the foreclosure clock.
Where the office is and how sales happen
The Pueblo County Public Trustee works from 215 W 10th Street, Room 104, at the county courthouse address, and its phone number is 719-545-0821 (Pueblo County, Trustee Information). Public sales are held on Wednesdays at 10:00 a.m. The county notes that a sale may be postponed or amended right up to that time.
The county also offers an online foreclosure search. You can look up your own file by address, last name, or file number without calling anyone. For many people, that private first look is a calmer place to start.
What the Public Trustee does not do
The Public Trustee does not give legal advice, and it does not handle property tax lien sales. Those belong to the Pueblo County Treasurer, which is a separate process with its own calendar. If you are behind on both the mortgage and the taxes, treat them as two separate clocks.
How Long Do You Have to Stop Foreclosure in Pueblo?
In Pueblo County, the first sale date for a house is set 110 to 125 calendar days after the NED is recorded (Pueblo County, Foreclosure Process; C.R.S. 38-38-108). Missed payments and lender letters usually come several months before that clock starts. Agricultural land runs on a longer 215 to 230 day schedule, based on the County Assessor's classification.
1. The notice of election and demand
The NED is the formal start. It names the loan, the amount claimed, and the house. Once it is recorded, the Public Trustee sets the first sale date inside the 110 to 125 day window.
2. The combined notice, mailed and published
The Public Trustee sends a combined notice of sale, right to cure, and right to redeem. Pueblo County says this notice is published in a general circulation newspaper for five consecutive weeks. Keep every copy you receive, because it lists your deadlines.
3. The Rule 120 order in Pueblo County District Court
Before any sale, the lender must get a court order authorizing it under Colorado Rule of Civil Procedure 120. A sale held without that order is invalid (C.R.S. 38-38-105). The Colorado Judicial Branch says the motion is filed in the district court of the county where the house sits. For a Pueblo house, that is Pueblo County District Court in the 10th Judicial District, at the Pueblo Combined Court, 501 N. Elizabeth Street.
A notice of the hearing must be posted on the house at least 14 days before it. If you want to respond, the Colorado Judicial Branch says your written answer is due at least 7 days before the hearing. The court's review is narrow: it mainly asks whether a default probably occurred.
4. Continuances move the date
A Pueblo sale often does not happen on the first scheduled date. The lender may continue a sale for up to 12 months, and a file not sold by then must be withdrawn. A bankruptcy filing also stops the process until the bankruptcy court lifts the stay. The 15-day cure deadline is counted from the sale date, so it moves when the sale moves.
| Step | When it happens in Pueblo County |
|---|---|
| NED recorded with the Clerk and Recorder | Day one of the foreclosure clock |
| Combined notice published | Five consecutive weeks in a general circulation newspaper |
| Rule 120 hearing, Pueblo County District Court | No later than the day before the last cure day |
| Your written response to the Rule 120 motion | At least 7 days before the hearing |
| Notice of intent to cure filed | No later than 15 calendar days before the sale |
| Cure money delivered | By 12 noon the day before the sale |
| Public Trustee sale | 110 to 125 days after the NED, Wednesdays at 10:00 a.m. |
| Junior lienholder intent to redeem | Within 8 business days after the sale |
| Owner redemption | None after the sale |
| Confirmation deed to the new owner | No earlier than 15 business days after the sale |
Can You Still Catch Up Before the Pueblo County Sale?
You can usually catch up before the Pueblo County sale if you file a written notice of intent to cure at least 15 calendar days before the sale date (C.R.S. 38-38-104). Curing means paying what is past due plus the allowed fees and costs. It brings the loan current rather than paying it off.
Pueblo County posts the Notice of Intent to Cure form on its Trustee Information page. Once you file, the lender's attorney prepares a cure statement with the exact figure. The county says the money must reach the Public Trustee by 12 noon the day before the sale.
The owner of record can cure. If the owner has died or become incapacitated, heirs, a personal representative, a guardian, or a conservator may also cure, with proof of that right. A junior lienholder may cure in some situations too.
Get the cure figure in writing through the Public Trustee, not as a phone estimate. Confirm the filing cutoff with the office at 719-545-0821. Missing the 15-day deadline by one day can close the cure option for that sale date.
What Happens After the Public Trustee Sale?
After a Pueblo County Public Trustee sale, the owner has no right to redeem the house. The county states that the owner "no longer has the right to redeem" after the date of sale. That makes the sale date the real deadline for every option in this guide.
Only junior lienholders, such as a second mortgage lender, may still redeem. Each must file an intent to redeem within 8 business days after the sale (C.R.S. 38-38-302). The county then issues a confirmation deed to the new owner no earlier than 15 business days after the sale.
You do not have to move out the day of the sale. The Colorado Judicial Branch explains that once the deed issues, the new owner will likely ask you to leave. If you stay, the new owner can file an eviction case.
Surplus funds belong to you, not to a finder
If the house sells for more than the debt, the extra is called surplus. It goes first to any deficiency the lender stated, then to junior lienholders who filed to redeem. Anything left goes to the borrower (C.R.S. 38-38-111).
The Pueblo County Public Trustee asks owners to contact the office after a sale, because funds may be due to them. For $25 or more, the statute requires the office to mail you a notice. An agreement to pay someone to recover those funds is not enforceable. Trying to talk a borrower into one is a class 2 misdemeanor, so you can claim the money yourself.
Your Options if You Are Behind on Your Mortgage in Pueblo
If you are behind on your mortgage in Pueblo, five paths cover the usual situations: reinstate, modify or pause the loan, sell before the sale date, sign a deed in lieu, or sell short. The right one depends on your income, your equity, and how much time is left. Each can be started privately, with no public step beyond the notices already filed.
| Option | What it does | Plain timeline |
|---|---|---|
| Reinstate (cure) | Pay the past-due amount and costs; the loan continues | Notice filed 15 days before the sale; money by noon the day before |
| Modification or forbearance | Changes the loan terms, or pauses or lowers payments for a set period | Weeks to a few months; apply as early as you can |
| Sell before the sale date | Pays the loan off at closing; you keep any remaining equity | Cash sale in as few as 7 days; a listed sale usually takes longer |
| Deed in lieu of foreclosure | You deed the house to the lender, which agrees to end the foreclosure | Set by the lender's review; often weeks to months |
| Short sale | Sell for less than the loan balance with the lender's written approval | Depends on lender approval; often several months |
Reinstating
Reinstating fits when the hardship has passed and the regular payment is affordable again. It keeps the loan in place and ends this foreclosure file. The catch is cash: you need the full past-due amount plus costs in one payment.
Modification or forbearance
A modification changes the loan for good, often by adding the arrears to the balance or stretching the term. A forbearance pauses or lowers payments for a while, and the paused amount still comes due later. Federal servicing rules limit how a servicer moves ahead while a complete application is under review (12 CFR 1024.41). Sending a full application early gives it more room to work.
Colorado also bars dual tracking under C.R.S. 38-38-103.2. Pueblo County notes that you may complain to the Colorado Attorney General or the CFPB if you think a servicer broke that rule. A complaint alone does not stop the foreclosure, so keep other deadlines in view.
Deed in lieu and short sale
A deed in lieu and a short sale both need the lender's agreement. They fit a house worth less than the loan, where keeping it is no longer realistic. Ask whether the lender will waive any remaining balance, and get that answer in writing.
Military borrowers
If you took out the mortgage before entering military service, the Servicemembers Civil Relief Act may require a court order before a foreclosure during service and for one year after (50 U.S.C. 3953). Tell the court and the lender's attorney about your service early. Our El Paso County foreclosure guide covers the SCRA in more detail.
Selling Your House Before Foreclosure in Pueblo
Selling your house before foreclosure in Pueblo pays the loan off at closing and ends the Public Trustee file, as long as the sale closes before the sale date. You own the house until then. Any equity left after the payoff and closing costs is yours to keep.
Equity is often the deciding factor. Redfin reports a median sale price of $260,676 in Pueblo for the three months ending September 2026, down 0.7% from a year earlier (Redfin, September 2026). Zillow's typical value for the city was $281,571, down about 2.4% over the year (Zillow ZHVI, September 2026). These are two different measures, and neither prices your house, but together they give a sense of the equity that may be at stake.
Listing versus a direct cash sale
If the sale date is months away and the house shows well, listing with a local agent may net you more. Keep the calendar in mind, though. Pueblo houses sold after a median of 62 days on the market in the same period (Redfin, September 2026), and a financed buyer then needs an appraisal and loan approval.
If time is short or the house needs work, a cash sale removes those steps. There is no sign in the yard, no showings, and no strangers walking through. Your neighbors do not need to know why you are selling.
Propcash is a direct cash homebuyer. We buy houses ourselves, as-is, with no fees or commissions charged to you, and you pick the closing date. We can close in as few as 7 days. We make one transparent offer based on local market data and show you how we got to the number.
The Propcash Promise is simple: our offer stands, there is no aggressive follow-up, and we will tell you if we are not the right buyer. Your loan payoff is handled through a title company at closing. You can request a cash offer on your Pueblo house in about two minutes, or read more on our Pueblo cash home buyer page. Our guide to the best ways to sell a house for cash in Pueblo compares the other routes.
A legitimate buyer pays your loan off through a title company at closing. Be cautious of anyone who asks you to sign over the deed before the loan is paid, or who wants a fee up front to end a foreclosure.
What Changed in Colorado Foreclosure Law on July 1, 2026?
Colorado's HB26-1098 made procedural changes to the Public Trustee Act, effective July 1, 2026, after the Governor signed it on May 4, 2026 (Colorado General Assembly, HB26-1098). The bill summary describes largely technical changes to how the office runs. A few touch borrowers and lienholders directly:
- It clarifies that a junior lienholder may cure the default by filing with the officer.
- It clarifies when the combined notice goes to people added on an amended mailing list.
- Unclaimed surplus money goes to the state treasurer as unclaimed property, or is held by the county treasurer under a county resolution.
- A lienholder who acquired its lien by transfer may redeem only if that transfer was recorded at least 15 calendar days before the sale.
The summary does not list any change to the owner's 15-day cure deadline or to the 110 to 125 day sale window. If your NED was recorded around July 2026, ask the Public Trustee which rules apply to your file.
Where Pueblo Homeowners Can Get Free Help
Free foreclosure help is available to every Pueblo homeowner, and none of it requires an upfront fee. The Colorado Foreclosure Hotline at 1-877-601-HOPE (4673) is listed by the Colorado Housing and Finance Authority. CHFA's list of counseling partners includes Catholic Charities in Pueblo, at 800-303-4690.
- HUD-approved housing counselors: search the CFPB housing counselor directory by ZIP code.
- Pueblo County Public Trustee: 719-545-0821 for sale dates, cure statements, and surplus fund questions.
- Colorado Legal Services: the Colorado Judicial Branch points homeowners there for foreclosure legal help.
- A Colorado-licensed attorney: worth a consult before a Rule 120 response or a bankruptcy decision.
A counselor can call your servicer with you and help build a modification package. More background is on our foreclosure situation page.
Why wait? Sell your house “as is” for cash today
Tell us about your house. We'll make you a cash offer based on local market data.
Let's chatFrequently Asked Questions
Who handles foreclosures on Pueblo houses?
The Pueblo County Public Trustee handles foreclosures on Pueblo houses, from its office at 215 W 10th Street, Room 104. Colorado deeds of trust name the county Public Trustee as trustee, so no lawsuit is needed to start a foreclosure. The office records the notice of election and demand, sets the sale date, and holds sales on Wednesdays at 10:00 a.m. Its phone number is 719-545-0821.
How long does a Pueblo County foreclosure take?
A Pueblo County foreclosure sale is set 110 to 125 calendar days after the notice of election and demand is recorded. Missed payments and lender letters come before that clock starts, so the whole process often runs several months longer. A lender may also continue a sale for up to 12 months, which moves the date later.
What is the deadline to cure a foreclosure in Pueblo County?
The deadline to cure a foreclosure in Pueblo County is 15 calendar days before the sale, when your written notice of intent to cure must be on file with the Public Trustee (C.R.S. 38-38-104). The cure money itself is due by 12 noon the day before the sale. If the sale is continued, the cure deadline moves with it.
Can I get my Pueblo house back after the Public Trustee sale?
You cannot get your Pueblo house back after the Public Trustee sale, because Colorado gives the owner no right to redeem once the sale is held. Only junior lienholders may redeem, and they must file within 8 business days after the sale (C.R.S. 38-38-302). The pre-sale cure and a sale you arrange yourself are the windows that matter.
What happens to extra money if my Pueblo house sells for more than I owe at the foreclosure sale?
Extra money from a Pueblo foreclosure sale, called surplus, goes first to any deficiency the lender stated, then to junior lienholders who filed to redeem, and the rest goes to you (C.R.S. 38-38-111). Contact the Pueblo County Public Trustee after the sale to ask whether funds are due. You can claim them yourself, and an agreement to pay someone a fee to recover them is not enforceable.
Can I sell my Pueblo house after the foreclosure has started?
You can sell your Pueblo house after the foreclosure has started, because you own it until the Public Trustee sale. The sale pays the loan off at closing, and any equity left is yours. If the house is worth less than the loan, it becomes a short sale and needs the lender's written approval.
Does filing bankruptcy pause a Pueblo County foreclosure?
Filing bankruptcy pauses a Pueblo County foreclosure, because the bankruptcy stay stops the Public Trustee process. Pueblo County says the bankruptcy court must issue an order lifting the stay before the sale can go forward. Bankruptcy has long-term effects, so talk with a Colorado-licensed attorney before you file.
Data Sources: Pueblo County Public Trustee (Foreclosure Process and Trustee Information pages), Colorado Revised Statutes Title 38 (2024), Colorado General Assembly (HB26-1098), Colorado Judicial Branch, Colorado Housing and Finance Authority, Redfin, Zillow. Propcash is a direct cash homebuyer, not a law firm. Homeowners should consult a Colorado-licensed attorney or a HUD-approved housing counselor for advice on their own case.