A foreclosure listing for a home in northern Colorado has attracted widespread attention online after potential buyers were informed that the property is being sold with an occupant still living inside and that the successful purchaser would be responsible for obtaining possession after closing.
The listing, which has been shared widely on social media, highlights an ongoing legal dispute involving the home’s long-time resident and years of foreclosure proceedings.
Why the Listing Drew Attention
The three-bedroom, two-bathroom home is located in Nunn, Colorado, approximately 25 miles north of Fort Collins.
The listing gained significant attention after being shared on social media, where users commented on its unusual sale conditions.
According to the listing:
- The property is being sold while occupied.
- No showings or inspections are permitted before purchase.
- Buyers must accept the property in its current “as-is” condition.
- The purchaser will be responsible for obtaining possession after the sale is completed.
Occupied foreclosure sales are relatively uncommon in residential real estate and may require additional legal proceedings before a buyer can take possession.
The Occupant’s Position
The home’s occupant, Tori McMechan, told local media that she has lived at the property since 2006.
She said the home was purchased by her late husband, James McMechan, who died in 2010.
According to McMechan, she has spent years attempting to retain ownership of the property following his death.
She described the online listing as surprising and questioned whether buyers would be willing to purchase a home without first inspecting it.
McMechan has also stated that she intends to remain in the home unless legally required to leave.
The Foreclosure History
Court records indicate the property has been the subject of foreclosure proceedings since around 2010.
According to public records:
- The mortgage later came to be held by Deutsche Bank.
- Multiple foreclosure-related court filings have occurred over the past 15 years.
- The loan entered default following the death of McMechan’s husband.
McMechan alleges that after her husband’s death she was unable to resolve the mortgage because the loan remained solely in his name and that the lender would not work directly with her as the surviving spouse.
Those allegations have been made by McMechan. Court rulings have not accepted them as a basis for preventing the foreclosure.
Previous Court Decisions
McMechan filed lawsuits challenging the foreclosure process, arguing that ownership of the mortgage had changed hands without sufficient documentation establishing the chain of title.
According to court records, those lawsuits were dismissed.
Last year, the Colorado Court of Appeals ruled that, even assuming her allegations were true, they did not provide a legal basis to stop the foreclosure sale.
The listing was posted after that decision.
What Happens if Someone Buys the Home?
The listing states that the successful purchaser would be responsible for obtaining possession of the property.
In many foreclosure sales involving occupied homes, buyers must follow applicable state laws governing eviction or other legal procedures before taking possession.
The listing itself does not specify what legal steps may ultimately be required in this case.
McMechan has said she plans to remain at the property regardless of who purchases it.
Online Reaction
After the listing circulated on social media, many users expressed surprise at the combination of:
- An occupied property.
- No opportunity for inspections.
- An “as-is” sale.
- The buyer’s responsibility for obtaining possession.
Real estate professionals note that while occupied foreclosure sales do occur, they generally involve greater uncertainty and legal complexity than traditional residential transactions.
Why This Matters
The listing illustrates some of the legal and practical challenges associated with occupied foreclosure properties.
For buyers, purchasing such homes may involve additional legal proceedings before occupancy can be obtained.
For homeowners, foreclosure cases can become prolonged when questions arise regarding loan servicing, estate matters, or competing legal claims.
The case has also drawn attention because the listing’s unusual conditions were presented publicly in a widely viewed online real estate advertisement.
The Bottom Line
A foreclosure listing for an occupied home in Nunn, Colorado, has gone viral because buyers are being asked to purchase the property without inspections or access and then obtain possession themselves after closing. The listing follows years of litigation between the home’s longtime occupant and the mortgage holder, with courts allowing the foreclosure process to proceed.
TL;DR
- A Colorado foreclosure listing has gone viral because the home is being sold while occupied.
- The listing states there will be no inspections or property access before the sale.
- The successful buyer would be responsible for obtaining legal possession after closing.
- The home’s occupant says she has lived there since 2006 and intends to remain.
- Court records show the property has been involved in foreclosure litigation for more than 15 years.