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Facing Foreclosure In California

The California Foreclosure Process Explained

Fast & Short Sale In CAIt's hard to pick up a newspaper or listen to a news channel and not hear a story about increasing mortgage defaults and foreclosures in California. While many articles alarm homeowners with statistics about the continued rising number of foreclosures, few explain the foreclosure process or offer proactive information about how to avoid foreclosure.

A foreclosure is a forced sale of property by the lender when the homeowner (borrower) is behind on mortgage payments and unable to pay the home loan.

Yes, the bank can take back your home. No one wants to fall behind on mortgage payments and find themselves in foreclosure, but it can happen to anyone. If you have fallen behind on mortgage payments and are or will be facing foreclosure , you may be feeling very stressed, worried, scared, anxious, concerned, and fearful about the future.

This tutorial will educate you about the foreclosure process in California (knowledge = power) and inform you of available options and alternatives for avoiding foreclosure. While this resource was created to help people stop foreclosure in California, it contains resources to avoid foreclosure no matter where you live in the United States.


It will be helpful if you read this resource with your mortgage papers beside you for easy reference. Here is how the foreclosure process works. Usually in California, the lender uses a deed of trust that has a power-of-sale clause. Please check your documents carefully for this. A power-of-sale clause gives the lender the right to sell your house if you, the borrower, default on the loan. If you are already behind on your mortgage payments, you should also understand that most foreclosures in California are done non-judicially. Non-judicial foreclosures are much faster since they do not require the court system. A non-judicial foreclosure typically takes only 120 days from the day that the NOD (notice of default) is recorded.

When you miss mortgage payments and fall behind on a home loan, the lender decides when to begin the foreclosure process. In California, the foreclosure process usually begins between the 60th and 90th day after you have missed the first mortgage payment. If you are 2-3 months behind on your payments, the foreclosure process may have begun.


The first step in the foreclosure process is when the lender records NOD with the county recorder in the county where the property is located. NOD stands for "Notice of Default." The lender will send you a letter that the NOD, or Notice of Default, has been recorded. NOD is the first public notice that you have defaulted on your mortgage. The next public notice to be filed is the NTS which stands for "Notice of Trustee Sale." Once NTS is filed, you may notice more people driving by your home anticipating it will be up for auction. Neighbors may begin to offer sympathetic words and you might wonder how people knew your loan was in default. The NTS filing is published in a newspaper under the legal notices heading. The notice will give your name, property address, the date and time of the auction, and the Court House where the auction will take place. This is required by law, as this is public record.


From the date that the NOD is recorded, you have 120 days (4 months) until the sheriff's auction when your home will be sold to someone else. For stopping foreclosure, you have approximately 4 months to pay the lender all the missed payments, late fees, attorney fees, and any other fees associated with the default. That is by far the easiest way of stopping foreclosure if you have the funds. This will cure or reinstate the loan on good terms. This is also an option that frustrates many homeowners who feel that if they had the money in the first place they would not have fallen behind!

Three months after the NOD is recorded, if the fees, back payments, and late fees are not paid in full, the lender will set a sale date for the sheriff's auction. You have 5 days before the scheduled sheriff's sale to pay the lender everything that is owed and avoid foreclosure. (For example, if the sheriff's sale is set for May 10 and you owe $6,703, you could pay $6,703 on May 5 and stop foreclosure.) If the back payments and fees are not paid to the lender, the property will be sold at a sheriff's sale. This means that the property will be auctioned off on the courthouse steps to the highest bidder.


Since the NOD and NTS are public notices, you're probably receiving a lot of postcards, letters, calls, and visits from investors looking to buy your house. You may be wondering who these people are and whether you can trust them. In fact, you may be overwhelmed by the sheer number of people who are contacting you.

If you are trying to figure out what your options are to avoid foreclosure and save your credit score, won't you please call me? Whether you want to save or sell your house, I can help even if you owe too much on your property (your loans are more than the property's value). Each situation is different. Every person has unique needs. Call or email me, and I'll be happy to discuss your particular situation with you at no cost and will help you to avoid foreclosure. With 20 years of experience, I can suggest ways in which you can work with your bank, delay the sale, salvage your credit, stop foreclosure and move on with your life.


You do have options to stop foreclosure besides selling your home. This is very important, though. The sooner you get started, the more options and the more power you will have. Put time to work in your favor and get started NOW. Do not delay! You don't have to choose us or our company. That is fine. But please do something TODAY!


Stop Foreclosure & House For Cash Once you consider all your options, if you decide to work with us, our company offers you two options: (1) We will buy your house for cash and close within 30 days or less. (2) We will work with your bank (with your permission) to stop foreclosure, salvage your credit, and give you a fresh start with a short sale.

If you decide that selling is your best option, we'll make an offer to buy your house for cash. You're under no obligation. If it works for you, we'll close in 30 days or less. You can get on with your life. You will know exactly how much you will have from the sale and when you will have it. If you decide to work with our company, our other option involves working with the bank to try to stop foreclosure and salvage your credit, so you can get on with your life. We will never make promises that we cannot keep. If you decide not to work with us, that is okay, too. Please work with somebody and take action today!

Please call or email us today!
Colleen (909) 972-1616

Testimonial From R.P and Family, Fontana, California

"I was able to trust [Colleen]. She is amazing, straight forward, very professional, loving and down to earth. I was able to trust her. I felt at home with her. She let me know that she was out for business but at the same time she was concerned about me and my family. She gave me the money I felt the deal was worth and then some. She talked with me and was there for me. Remind you, this is a stranger that I felt at home with. To sum it up, she was sent by God as my Guardian angel. This lady is amazing, honest, extremely professional and most of all she is very loving. I would recommend her to anybody. Colleen thank you so much for being there by my side. I can't express how you helped me... and most of all being honest money wise. We need more people like you.

Thank you so much. Love, RP & family"

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