San Diego · California
Stop Foreclosure in San Diego
Here's the thing about falling behind in San Diego: home values here mean many homeowners in trouble are still sitting on real equity — and a foreclosure auction is the single worst way to lose it. Whether you're in North Park, El Cajon, Chula Vista, or up in Oceanside, the goal of my first call with you is simple: figure out what you have, what you owe, and which of your options protects the most of what's yours.
One person, plain English, no upfront fees — ever.
The timeline, locally
How foreclosure moves in San Diego County
It starts at the County Recorder
Like the rest of California, San Diego County foreclosures are non-judicial: no courtroom, just recorded notices and deadlines. The Notice of Default recorded with the San Diego County Assessor/Recorder/County Clerk opens a 90-day window in which you have the legal right to reinstate the loan and stop everything.
Then a sale date — with at least 21 days' notice
After the 90 days, a Notice of Trustee's Sale sets an auction at least 21 days out, at the time and place printed on the notice. From first missed payment to auction is typically several months, but the calendar only moves in one direction unless someone acts.
Why equity changes the math here
In a market like San Diego's, the difference between a rushed auction and a properly handled resolution can be a life-changing amount of money. Equity gives you leverage — for a modification, for a postponement, or for a sale on your terms before the sale date. Walk through the full sequence on the California foreclosure timeline.
What I can help with
Guidance first, referrals when it counts
The equity picture, honestly
We estimate what the home is worth — a Point Loma cottage and a Santee tract home are different conversations — subtract what's owed, and let the numbers guide the plan. If keeping the home is viable, that comes first: reinstatement, repayment plans, and loan modification before anything else.
Getting your servicer to engage
Servicers respond to complete files, not phone tag. I help you assemble the hardship documentation and modification paperwork so your application gets the review California law entitles it to.
Licensed partners for the licensed work
I'm not an attorney, an agent, or a lender. If your best path is a market sale that captures your equity, I'll connect you with a licensed real estate agent I trust; if it's legal, a foreclosure attorney; and if a fast private sale truly fits, a vetted buyer — with your numbers checked independently first. See selling a house in foreclosure and how to stop foreclosure in California.
Free help in San Diego and statewide
Resources worth a second opinion
HUD-approved housing counselors — free
(800) 569-4287 connects you with HUD-approved counseling agencies serving San Diego County, at no cost. Use them. Multiple sources of good information is how you spot the bad actors who target homeowners in default.
San Diego Superior Court self-help
The San Diego Superior Court runs free self-help centers that can explain legal procedures, and the Legal Aid Society of San Diego offers free civil legal services to eligible county residents, including housing matters.
More from me, free
The emergency checklist if your sale date is close, the statewide resources list, the free guide, and the glossary for the jargon.
Protect what you've built in San Diego
A free, private conversation about where you stand — before the calendar decides for you.