Sacramento · California
Stop Foreclosure in Sacramento
There's an odd irony to facing foreclosure in the state capital: the laws that protect California homeowners are written a few blocks away, yet most people fighting for their home have never had anyone explain those protections in plain English. That's what I do — for homeowners in Midtown and Land Park, out in Natomas and Elk Grove, and across the region to Roseville, Folsom, and Citrus Heights.
One real person, a free first call, and no fee of any kind before work is done — that's the law, and it's also just how this should work.
The timeline, locally
How foreclosure runs in Sacramento County
Ninety days that belong to you
When the Notice of Default is recorded with the Sacramento County Clerk/Recorder, California law hands you at least 90 days in which you can reinstate — pay the arrears and stop the foreclosure cold. That window is a right, not a favor, and it's the best time to get a modification application in front of your servicer.
Then 21 days' minimum notice of sale
A Notice of Trustee's Sale follows if nothing changes, setting an auction at least 21 days out at the location printed on the notice. The same rules apply whether your home is in the city, in Elk Grove, or across the river in West Sacramento — though a different county recorder (Yolo, Placer, or El Dorado) may hold the paperwork.
The clock rewards early movers
Every option — reinstatement, repayment plan, modification, or a sale on your terms — gets easier the further you are from the auction date. See the whole sequence, stage by stage, on the California foreclosure timeline.
What I can help with
A guide through the maze — not another voice in it
Sorting real programs from noise
State relief programs open, run out of funds, and close; servicer programs change names yearly. Part of my job is knowing what's actually accepting applications right now — and telling you honestly when a program you read about no longer is. A HUD counselor can verify everything I tell you, and I'll encourage you to let them.
Application packages that get reviewed
Whether it's a loan modification, a forbearance request, or a hardship package, I help you put together a complete, organized file — because complete files are what California law requires servicers to review before moving toward a sale.
Licensed professionals when the moment calls for one
I'm not an attorney, a licensed brokerage, or a lender. If your situation needs legal advice, I refer you to a foreclosure attorney. If selling is the right path — a Midtown bungalow and a new-build in Natomas sell very differently — I connect you with licensed agents who know the neighborhood, or with vetted buyers when speed matters more than top dollar. Details at how to stop foreclosure in California and selling a house in foreclosure.
Free help in Sacramento and statewide
The capital has resources — use them
HUD-approved housing counselors — free
Call (800) 569-4287. As the state capital, the Sacramento region is well served by HUD-approved counseling agencies whose foreclosure-prevention advice is free. There is no version of your situation where a free second opinion hurts you.
Court self-help and legal services
The Sacramento Superior Court's self-help center explains court procedures at no charge, and area legal services organizations provide free housing-law help to eligible residents of Sacramento, Yolo, Placer, and El Dorado counties.
More from me, free
The emergency checklist, the statewide resources list, the free guide, and the glossary for every unfamiliar term on your notices.
Behind on a Sacramento mortgage?
Let's figure out where you actually stand. Free, private, and pressure-free.