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Foreclosure Help in Southern California

You have more options than you think. Let us help you use them.

A Notice of Default or foreclosure notice does not mean you have lost your home. California law gives you real time and real options. As licensed real estate professionals, we can move fast, protect your equity, and help you avoid a public auction on your record.

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California Foreclosure Timeline

How much time do you actually have?

Most homeowners do not know that California gives you significant time to act after a Notice of Default. Here is what the typical timeline looks like.

The short version: You have at least 111 days from the recording of a Notice of Default before your home can be sold at auction. In practice it is often longer. That is enough time to sell, negotiate, or refinance, but only if you act now.

Days 1 to 90
Reinstatement period. You can stop the foreclosure entirely by paying all missed payments plus fees. The lender must accept this and cancel the NOD.
Day 90
Notice of Trustee Sale filed. The lender sets an auction date at least 21 days out. You still have options including selling, a short sale, or a loan modification.
Days 90 to 111+
Right of redemption. You can pay off the full loan balance to stop the sale. Selling the property and using proceeds to pay off the loan also works here.
Auction
Public trustee sale. The home sells to the highest bidder. You receive nothing for any equity and take a serious credit hit. This is what we help you avoid.
Your Options

Two paths we can help you take right now

Depending on how much equity you have and how much time is left, one of these will likely be the right fit.

Option A

Sell fast for cash

We make a written offer within 24 hours and can close in as little as 10 days. If you have equity in the property, you walk away with cash in hand and no foreclosure on your record. No repairs, no showings, no fees deducted from your offer.

Option B

List on the MLS

If there is enough time and your property is in reasonable condition, we can list it on the open market where competitive offers may net you more. We manage the entire process and work around your timeline.

Do not wait. Every day matters.

The earlier you reach out, the more options we have. Call us now or fill out the form above.

Call (562) 889-4345 Fill Out the Form

Other situations we help with:

Divorce Probate and Inherited Liens and Back Taxes As-Is Properties