Guides & resources
Understand foreclosure. Then beat it.
Everything here is written in plain English for California homeowners — no legal jargon, no scare tactics, no gate. Start with the deep guides, then go narrow.
Start here — the deep guides
How to Stop Foreclosure in California
The complete 2026 guide: every legitimate option, stage by stage, and how to choose between them.
The California Foreclosure Timeline
Day by day, notice by notice — exactly how much time you have and what each deadline means.
Selling a House in Foreclosure
When selling is the right move, how to protect your equity, and why the auction is the worst buyer.
Know your rights
The California Homeowner Bill of Rights
The protections servicers must honor — dual-tracking bans, single point of contact, and how to use them.
Notice of Default: What It Means
The NOD starts the formal clock. What it actually says, what it triggers, and your first three moves.
Foreclosure Scams to Avoid
Advance-fee schemes, deed theft, fake rescues — how to recognize every one of them before signing anything.
Your options, one by one
Loan Modification in California
How to prepare and submit a complete application yourself — and what the servicer must do with it.
Short Sale: The Complete Guide
When you owe more than the home is worth, this is the controlled exit — here's how it works.
Can I Sell Before Foreclosure?
Yes — and it's often the strongest move on the board. Timelines, equity, and how buyers see an NOD.
Can Bankruptcy Stop Foreclosure?
The automatic stay is real and immediate — and a serious legal step. What to know before calling an attorney.
Wherever you are in it
Can't Pay Your Mortgage?
What to do in the first 30 days — before anything is filed, while every option is still open.
Sale in 24 Hours? Emergency Guide
The last-minute moves that actually work when the auction is tomorrow.
What Happens After Foreclosure
Surplus funds, occupancy timelines, relocation cash — the money and rights people leave behind.
The Emergency Checklist
A step-by-step checklist for the week of a sale date. Print it, work it, call for help.
Reading is good. Acting is better.
One free call and you'll know exactly which of these guides applies to you — and what to do first.