Denver Foreclosures Buck a Climbing National Trend
Published by Cash Flow Deals · Last updated 2026-08-04
ATTOM Data reported November 2025 marked the ninth straight month of year-over-year growth in US foreclosure activity, with starts up 17% and completed foreclosures up 26% nationally. Denver County moved the other way: foreclosure starts fell from 173 in November 2024 to 145 in November 2025. Fewer local filings does not mean you are in the clear if you are behind on payments.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Response speed once payments are already behind | Weeks to list, stage, and wait on a buyer's financing to clear | Your number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. |
| Who ends up on the title | Seller today, buyer at closing, unchanged | With the Premium Cash Offer, title moves once, directly from you to the pre-approved FHA or conventional buyer we already have, ready to go. With the Fast Cash Offer, we buy your house as-is and close. You choose. |
| Certainty of the final number | Can move during inspection negotiations and buyer financing terms | Your number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. |
A Ninth Straight Month of National Foreclosure Growth
ATTOM Data Solutions counted 35,651 US properties with a foreclosure filing in November 2025. Starts were up 17% year over year to 23,720 properties. Completed foreclosures, the point where a lender takes the home back, rose 26% to 3,884 properties. ATTOM CEO Rob Barber called it what it is: 'November marks the ninth straight month of year-over-year increases in foreclosure activity, underscoring a trend that has steadily taken shape throughout 2025.' Nine months is not a blip. It is a pattern that started early in the year and never reversed.
Denver County's Numbers Moved the Other Way
Denver did not follow the national line in November. Foreclosure starts in the county fell from 173 in November 2024 to 145 in November 2025, a real year-over-year decline while the country as a whole kept climbing. That is worth saying plainly instead of folding it into the national story: Denver's local foreclosure count went down, not up, in the same month ATTOM flagged as the ninth straight month of national growth.
Why the National Number Still Matters to a Denver Seller
A falling local count is good news at the county level. It says nothing about any single household. Foreclosure starts are a lagging number. They show up months after a homeowner first missed a payment, after a loan went 90 or 120 days delinquent, after loss-mitigation calls to the servicer went unanswered or unresolved. A Denver homeowner two or three payments behind right now will not show up in a foreclosure count for months. The national trend ATTOM is describing is the wave building behind the local number, not proof it stops at the county line.
What a Seller Behind on Payments Can Do Before a Filing Happens
The earlier you act when you are behind on payments, the more options stay on the table. A servicer can offer forbearance or a loan modification, but only if contacted before a filing starts the legal clock. A HUD-approved housing counselor can review your full financial picture for free. Selling is also an option, and your home does not have to be market-ready first. With Cash Flow Deals, a real estate investment company, you choose between the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. With Premium, only what the buyer's lender requires gets fixed; we cover those costs up front and settle them from our share of the sale proceeds. With Fast Cash, you sell as-is without making repairs. For either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. If the Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number instead of the Premium Cash Offer.
Common questions
Did foreclosures in Denver County go up or down in 2025?
Down, at least for November. ATTOM Data recorded 145 foreclosure starts in Denver County in November 2025, versus 173 in November 2024, a year-over-year decline even as the national count climbed for a ninth straight month.
What does ATTOM's 'ninth straight month' actually mean?
It means every month from roughly March through November 2025 showed more foreclosure activity nationally than the same month a year earlier. November alone logged 35,651 properties with a filing, with starts up 17% and completed foreclosures up 26% year over year.
If Denver's foreclosure count is falling, does that mean local sellers are safe?
Not automatically. Foreclosure starts are a lagging indicator, counted only after a filing is made, which can happen months after a homeowner first fell behind. A lower county count does not erase individual financial stress that has not yet reached that stage.
What should a Denver homeowner do the moment they fall behind on a mortgage payment?
Call the loan servicer immediately to ask about forbearance or loan modification options, and contact a HUD-approved housing counseling agency for free guidance. Waiting until a filing is close narrows every option that exists today.
Where does ATTOM get its foreclosure numbers?
ATTOM Data Solutions compiles foreclosure filings, auction notices, and bank repossessions from county recorder and court records across the country, then reports them monthly, quarterly, and annually by metro and county.
Keep reading
Related reading
- Denver Sellers Are Slashing Prices and Finally Coming to Terms ›
- Colorado Foreclosure Starts Are Climbing in 2026, ATTOM Data Shows ›
- Denver's Median List Price Drops 7.8% as Buyers Gain Power ›
- The 20-State Mortgage Trouble List and What It Means in Denver ›
- Denver's Median Days on Market Jumped 27% in June 2026: What It Means for Sellers ›
- Denver County Mortgage Delinquencies Are Rising in 2026: What Sellers Need to Know ›
This affects sellers in
What this means for your options
Rising foreclosure filings mean more distressed inventory competing for the same buyers. The homes that sell fastest are the ones priced and positioned before that competition grows.
Wait and see
Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.
List with a traditional agent
Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.
Sell to Cash Flow Deals
Two offers for your house, Fast Cash or Premium Cash, and you choose. Cash: Cash Flow Deals buys the house as-is and closes. Premium: More money. A pre-approved FHA or conventional buyer we already have buys directly from you.
See both offers before you decide anything.