Behind on your payments? You have more options than you think.
Know your dates, protect your equity, and choose your path before the sale. Free, private conversations with local specialists who have helped more than 200 families through it.
California non-judicial foreclosure. Estimates only; your lender or trustee sets the real dates.
Tell us a little about your situation. We'll call you today.
The foreclosure timeline, step by step.
- 1Notice of Default
Recorded after missed payments. The lender has formally started the process. You still own your home.
- 2At least 3 months
California requires at least three months after the Notice of Default before a sale can be scheduled.
- 3Notice of Trustee Sale
Sets the auction date, at least 20 days out. Sales are often postponed, but you cannot count on it.
- 45 business days before the sale
Your legal right to catch up the missed payments (reinstate) ends. After that, paying off the full loan or selling are the main paths.
- 5Trustee sale
The home is sold at auction. Money left over goes first to costs and other lienholders, so selling before the auction usually keeps far more in your pocket.
What you can still do.
Until 5 business days before the sale, paying the past-due amount stops this foreclosure.
Ask about a loan modification, repayment plan or forbearance. Only your lender or the trustee can postpone a sale.
A sale before the auction pays off the loan and puts the rest in your pocket. We can list it or bring you a cash offer.
We walk through your notice with you, free and in confidence, and help you see which path protects you best.
We are real estate professionals, not your lender, a law firm or a loan modification company. We never charge upfront fees. For legal advice about your loan, speak with a California attorney.
Your pre-foreclosure specialists.
