For California homeowners who are behind on their mortgage
Get our free California Homeowner’s Options Guide: your foreclosure timeline in plain English, the real choices in front of you with honest trade-offs, and how to protect the equity you’ve built.
No pressure. No obligation. No fee to talk with us.
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Many people wait because they’re embarrassed, overwhelmed, or hoping next month fixes it. The clock keeps running either way.
Get the Free GuideNot every home has that much equity, and yours may have more or less. But for many California homeowners, the biggest thing at risk isn’t the missed payment. It’s the equity. A rushed decision under pressure is the fastest way to give it away, and it’s one reason fast-cash offers often arrive quickly.
The timing is set by state law. Knowing where you are on it is the first step toward a calm decision.
Your servicer generally has to reach out about your options before a Notice of Default can be recorded.
Recorded with the county. A Notice of Trustee Sale generally can’t be recorded until at least three months later, so this is the best time to explore every option.
Once recorded, it sets a sale date at least 20 days out and is posted on the property.
You can generally bring the loan current until five business days before the sale. After the sale, California gives you no right to buy the home back.
Under AB 2424, a homeowner who gets a signed listing agreement with a California-licensed broker, placed on a public marketing platform, to the trustee by tracked mail at least five business days before the sale can trigger a 45-day postponement. A second 45-day postponement is possible with a qualifying purchase agreement. Each can be used once, and conditions apply. Homeowners can also ask that a family member, HUD-approved counselor, or attorney receive copies of their notices.
Sources: California Civil Code sections 2923.5, 2924, 2924c and 2924f; AB 2424 (effective January 1, 2025). Timelines vary by loan and situation. This is general education, not legal advice.
Fast-cash offers can be the right call for some homeowners. The point is to know what you’re comparing them to.
We’re two California real estate agents who work with homeowners who have fallen behind. We explain your timeline in plain English, run the numbers on your equity, and lay your options side by side, including selling if that turns out to be the right fit. We’re not lawyers and we’re not lenders.
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You’ll never be pressured, and you’ll never be asked to pay to talk with us.
Our promise: plain English, no pressure, and no fee to talk.
Real homeowners, in their own words. Tap any video to play.
Testimonials reflect individual experiences and are shared with permission. Every situation is different, and results vary.
Most homeowners in this spot aren’t only worried about the bank. They’re worried about who finds out. Nothing about this is public: no signs, no mailers, no calls to your neighbors. We never sell your information, and we don’t contact anyone on your behalf without your permission.
Get the Free Guide, PrivatelyYes. There is no payment, no credit card, and no obligation. We do not charge homeowners for the guide or for a first conversation. If you later choose to sell your home with us, we are paid at closing under a written agreement, never upfront.
No. Selling is one option, and for some homeowners it is the right one. It is not the only one. We walk through the realistic choices and their trade-offs so you can decide.
No. We are California real estate professionals. We can explain the timeline, run the numbers on your equity, and compare options, but we cannot give legal advice. For legal questions, talk with a California foreclosure attorney. Free HUD-approved housing counselors are also available at 800-569-4287.
No. We are licensed California real estate agents. Our job is to help you understand your options and, if you choose to sell, to represent you as your agent.
Yes. We do not sell your information, and we do not share text-message consent data with third parties for marketing. You can read the details in our Privacy Policy.
As early as you can. California timelines are set by law and can move quickly once a Notice of Trustee Sale is recorded. The earlier you understand where you are, the more options you tend to have.
Time matters more, so reach out now. Under California law you can generally still bring the loan current until five business days before a scheduled sale, and there are other steps worth understanding. Request the guide and book a call as soon as you can.
You go straight to a page with a short welcome video and your guide to download. From there you can book a free call, but only if you want one. We may call you about your request. If you opted in to texts, we may send appointment reminders and follow-ups about your inquiry. Reply STOP at any time.
It’s free, it’s private, and it takes about 30 seconds.
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