NOTICE OF DEFAULT · HOMEOWNER RESOURCESGot a Notice of Default? You still have time — and options.
A Notice of Default is the beginning of the pre-foreclosure process, not the end of the road. See exactly where you stand and what you can do next.
- Free, confidential consultation
- No obligation, ever
- Local foreclosure specialist
The clock has started — but so has your window
Your lender has recorded a Notice of Default. This opens a reinstatement period during which you have real, legal ways to keep or protect your home.
- Reinstate by catching up on missed payments
- Apply for a loan modification
- Explore a repayment plan
Understand your timeline
Foreclosure is a legal process with clear stages — not a single event. Knowing which stage you’re in tells you exactly how much time you have and what to do next.
- 1Before day 1
Missed payments
You fall behind on your mortgage. Lenders generally wait until you are about 120 days past due before starting the formal process.
Act early — your options are widest here. - 2Day 1
Notice of Default (NOD)
Your lender records an NOD with the county. This is the official start of pre-foreclosure — and the start of your reinstatement window.
Confirm your loan type and request loss mitigation. - 3~90 days
Reinstatement period
For roughly three months you can typically bring the loan current or negotiate new terms. Most homeowners find their solution here.
Apply for a modification, repayment plan, or forbearance. - 4After day 90
Notice of Trustee’s Sale
If unresolved, a sale is scheduled and published — usually at least 21 days before the auction date.
You can still sell, short sale, or reinstate before the date. - 521+ days later
Auction / Sale date
The home is sold at a trustee sale. Even now, a fast plan can protect your equity and credit up until the final moment.
Move immediately — a same-week plan is still possible.
Timeframes shown reflect the typical California process. Your exact dates depend on your lender and loan.
See your exact statutory clock
Enter the date on your Notice of Default and this calculator maps out the exact calendar deadlines — and which options are still open — under California law.
See the options you may qualify for
Answer two quick questions. We’ll show the foreclosure-prevention programs matched to your loan — no contact info required to see your results.
Who owns or backs your loan?
This is the single most important question — your loan type decides your options.
You don’t have to figure this out alone
I help homeowners understand their options, negotiate with lenders, and — if keeping the home isn’t the right path — exit gracefully with their equity and dignity intact.
- 1
Understand where you stand
We identify your loan type, your timeline, and every program you may qualify for — in plain language.
- 2
Negotiate with your lender
I help you assemble the right application and work with your servicer’s loss-mitigation team to pursue a workout.
- 3
Exit gracefully if needed
If keeping the home isn’t realistic, I handle a strategic sale or short sale to protect your equity and credit.
Myths that keep good people stuck
Fear and misinformation cost homeowners their best options. Here’s the truth about the questions people are most afraid to ask.
Let’s talk through your options
Tell me a little about your situation. There’s no cost, no pressure, and no judgment — just a clear, honest look at the paths available to you.
Prefer to talk now? HUD counselors are free at 800-569-4287.