How it works
First understand the clock. Then beat it.
Foreclosure in California runs on a legal timeline with real minimums built into it. Once you can see where you are on that timeline, the panic gets smaller and the options get clearer.
The California foreclosure timeline
Nothing is recorded yet
Servicers generally must contact you and wait at least 120 days of delinquency before starting foreclosure. This is the quietest, cheapest moment to act — catch up, restructure, or sell at full market value with your title still clean.
The formal clock starts
The NOD opens a statutory reinstatement period of at least three months. Pay the arrears and fees during this window and the foreclosure is cancelled outright. It's also prime time to submit a complete loan modification application, which the servicer must review.
An auction date exists — and still moves
The sale can happen no sooner than 21 days after the notice. Dates get postponed routinely for active offers, complete modification files, and short-sale packages. A date on the calendar is leverage to work with, not a verdict.
Even post-sale, there are moves
If the home sold for more than what was owed, the surplus belongs to you and must be claimed. Relocation assistance is negotiable, occupancy timelines have rules, and sales with procedural defects can be challenged. Nobody should walk away from money they're owed.
What working with me looks like
Three steps, no mystery
The first call — free, private, unhurried
You tell me what's happening and read me whatever notices you have. I tell you exactly where you are on the timeline above, what's still open to you, and what closes next. If I can't help, I say so on this call and point you to someone who can — including free HUD-approved counselors.
A written plan built on your numbers
I look at your equity, your timeline, and what you actually want — keep the home, or leave with the most money possible. You get a written plan listing each realistic option, what it requires, and who does what. Where a step needs a licensed professional or an attorney, the plan names that role explicitly.
Execution, with me staying on it
Whichever path you pick, I stay your single point of contact — tracking deadlines, keeping paperwork complete, and coordinating the licensed specialists on your file until it's resolved. You always know the next step and who's responsible for it.
Find out where you are on the clock
One call and you'll know your stage, your deadlines, and your options. Free, private, no obligation.