Stop foreclosure in California.

How foreclosure works in California

• Servicers generally must wait 120 days after delinquency before recording a Notice of Default
• The Homeowner Bill of Rights bans dual-tracking — foreclosure must pause during a complete loss-mitigation review
• You can reinstate up to 5 business days before the sale

Redemption & second chances

No redemption after a non-judicial trustee sale.

What this means for you

California homeowners have some of the strongest procedural protections in the country — but they only work if you use them. A complete modification application filed at the right moment legally freezes the sale machinery, and with California equity levels, an open-market sale often walks homeowners away with six figures the auction would have vaporized.

Your options in California

Every tool in the national playbook works in California — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short