227,548
U.S. homes with a foreclosure filing in the first half of 2026 — up 21% from a year earlier.
Source: ATTOM Mid-Year 2026 Foreclosure Market Report
Why We Do This
Hard Chapters Happen. They Don’t Get the Last Word.
Ibex exists for the moments when a property stops being a home and starts being a weight — a mortgage that got away from you, a house you inherited, a rental you’re done carrying. We buy it, close on your timeline, and put it back to work in the community. Here’s why that matters to us, and what it means for you.
First, the Honest Part
You Might Expect a Pitch Here. This Isn’t One.
If you’ve searched anything about foreclosure lately, you’ve seen the ads — the ones shouting deadlines at you in capital letters. That’s not how we work, and it’s not what this page is for.
This page gives you the plain facts: what’s happening in the market right now, what a foreclosure actually does to your next several years, and what your realistic options are — including the ones that don’t involve us. Read it, take what’s useful, and call if it makes sense. If it doesn’t, we hope it helped anyway.
The Bigger Picture
If You’re Behind, You’re in a Lot of Company.
Foreclosures are rising again — not because a wave of people suddenly got careless, but because the math changed. Payments, insurance, HOA dues, and property taxes all climbed at once, and a lot of households that were doing fine in 2021 are stretched thin in 2026. Falling behind in this market is a financial event, not a character flaw.
+57%
Colorado’s year-over-year rise in foreclosure filings in the first half of 2026 — one of the steepest increases of any state, and more than double the national pace.
Source: ATTOM
1 in 657
Colorado homes with a foreclosure filing in the first half of 2026.
Source: ATTOM
+33%
Increase in completed foreclosures — homes actually repossessed — nationwide, first half of 2026 vs. 2025.
Source: ATTOM
One more number worth knowing if you’re in Colorado: once a lender files, the public trustee sets the sale date 110 to 125 days out. That’s about four months — enough time to make a good decision, not enough to wait and see.
Sources: ATTOM Data Solutions, Mid-Year 2026 U.S. Foreclosure Market Report and July 2026 U.S. Foreclosure Market Report; Colorado public trustee timeline per C.R.S. 38-38-108. Figures are national and statewide market data, not a prediction about any individual property.
The Part That Follows You
The Goal Isn’t Just Selling the House. It’s Protecting the Next Ten Years.
A completed foreclosure is one of the heaviest marks a credit report can carry. Three facts worth knowing before you decide anything:
Seven years. A foreclosure stays on your credit report for seven years from the first missed payment that started it.
Source: Experian
85 to 160 points. In FICO’s own research, a 680 score typically drops 85–105 points after a foreclosure; a 780 score drops 140–160.
Source: FICO, as reported by Nolo
Seven years to buy again. Conventional lenders generally require a seven-year wait after a foreclosure before writing a new mortgage. After a short sale or deed-in-lieu, it’s usually four. FHA is typically three either way.
Source: Fannie Mae and FHA guidelines
Selling before the sale date changes that math. If your home has equity, a sale pays the loan off at closing — the foreclosure is never recorded, and you walk away with what’s left. If you owe more than the home is worth, we’ll tell you that plainly and explain what a short sale involves, because that’s a different road with its own rules.
What a sale can’t do: erase late payments that have already been reported. We’d rather you hear that from us now than from a lender later.
How It Works When the Clock Is Running
Three Steps. Before the Sale Date.
01
Tell us where you stand.
The sale date if there is one, what’s owed, what the house needs. Two minutes on the form or one phone call. We’ve heard every version of this story, and none of them surprised us.
02
Get a real number and a real read.
A written cash offer, usually within 48 hours, and a plain explanation of how we got there. If selling to us isn’t your best move, we’ll say so.
03
Close before the deadline.
We work with a licensed title company, coordinate the payoff with your lender, and close on a date that beats the sale. Loan paid. Remaining equity to you. Foreclosure never recorded.
Beyond Foreclosure
Any Property That’s Become a Weight.
Foreclosure is the loudest version of this problem, but it isn’t the only one. We buy houses and land in every one of these situations, as-is, with no repairs, cleanouts, or commissions.
01
Inherited & Probate
A house three states away that you never asked for. We handle it remotely, paperwork included.
02
Repairs You Can’t Fund
Roof, foundation, fire or water damage. We buy it exactly as it sits.
03
Tired Landlords
Tenants in place, late rent, midnight calls. We take it over as-is.
04
Divorce or Relocation
When the house needs to be settled cleanly and on a date you can count on.
05
Back Taxes & Title Tangles
Liens are paid from the proceeds at closing. Our title company sorts the rest.
06
Land You’re Done Paying Taxes On
Vacant lots, acreage, inherited parcels. Turn an idle bill into cash.
Where It Goes From Here
Good Homes at Every Price Point.
Buying property is half of what we do. The other half is what happens next. We’re building toward development on both ends of the market: high-end homes that raise the standard on a street, and well-built, honestly priced homes that give working families real choices about where to live.
We think the two belong together. A neighborhood is healthier when a teacher and a surgeon can both find a good house in it, and the lots that make that possible are usually the ones nobody else wanted — the complicated parcels, the tired houses, the properties someone needed to let go of. That’s the terrain we’re built for.
We’re early in this chapter. Our first projects are being planned, not photographed, and we won’t put a rendering on this page and call it a track record. What we can promise is this: the property you sell us doesn’t vanish into a spreadsheet. It gets a next chapter we’d be proud to put our name on.
Straight Answer
When Ibex Is the Right Call — and When It Isn’t.
Ibex is probably the right call if…
- You have equity and a sale date that’s getting close
- The house needs work you can’t or don’t want to fund
- You’ve decided to move on and want it done cleanly, on a date you choose
- You want to talk to the actual people buying it, not a call center
Probably not — and we’ll tell you
You can catch up and want to stay.
Call the Colorado Foreclosure Hotline first — 1-877-601-4673 — for free, HUD-approved counseling. Outside Colorado: 888-995-4673.
You’re waiting on a loan modification decision from your lender
You have time and the house would net you more on the open market
We’d rather lose a deal than earn one that wasn’t good for you.
Brandon & Katana
Founders
From Brandon & Katana
Why We Put Our Names on This.
We built Ibex as a family company on purpose. When you call, you reach the people whose reputation rides on how this turns out — not a bullpen, not a script. Straight talk, fair numbers, and follow-through were the rules when we only bought land, and they’re the rules now that we buy homes. Whatever chapter you’re in, we’ll meet you there and tell you the truth about it.
If there’s a sale date on the calendar, put it in the message box — it moves you to the front of the line.
Get Started
Get Your No-Obligation Cash Offer.
Two minutes now. An offer within 48 hours. Zero pressure ever. Even if you’re just curious what your land is worth — we’re happy to run the numbers.
- Free & confidential
- No spam, no robocalls
- Offer in 48 hours
Ibex Acquisitions & Development is a real estate investment company, not a law firm, lender, or credit counselor. Market, credit, and lending figures on this page come from the sources cited and are general information, not advice about your situation. Offers are subject to standard due diligence and title review.