Facing Foreclosure? Get Help Now
California Foreclosure Help 2026
Facing Foreclosure in the Central Valley? You Have More Options Than You Think.
New 2026 California laws (AB 2424) provide homeowners with legal ways to pause the process. Let's protect your equity together.
The Foreclosure Timeline
Understanding where you are in the process is the first step to stopping it.
Day 1–120
Missed Payments & Lender Contact
After 1–4 missed payments, your lender will reach out with loss mitigation options. This is your first window to act — do not ignore these communications.
Day 121+
Notice of Default (NOD)
The lender files a Notice of Default with the county recorder. Under California law, you have a 90-day reinstatement period to bring the loan current or negotiate alternatives.
21 Days Before Sale
Notice of Trustee Sale
A sale date is set and publicly recorded. The countdown to auction begins. This is the critical moment to engage a licensed broker.
Sale Day
The Auction
If no action is taken, the property is sold at public auction to the highest bidder. Any remaining equity above the debt is lost if unclaimed.
The Power of a Licensed Agent
California AB 2424 — Your Legal Shield
Under California Assembly Bill 2424, if a homeowner submits a valid listing agreement with a licensed broker at least 5 business days before the scheduled sale, the trustee is legally required to postpone the sale for 45 days. This gives you time to explore every option available.
What You Can Do With Those 45 Days:
Refinance
Use the 45-day postponement to find a new lender, restructure your debt, and keep your home with more favorable terms.
Traditional Sale
Sell on the open market to maximize your equity. A market-rate sale almost always returns more than an auction price.
Short Sale
If you owe more than the home is worth, negotiate with the bank to accept less than the balance — avoiding a full foreclosure on your record.
Have Questions About Your Notice of Default?
Ask below or reach out directly — every situation is different and time matters.
Your Home Still Has Equity.
Even in pre-foreclosure, your property may be worth significantly more than what you owe. A free equity analysis shows you exactly where you stand — and what you could walk away with.
Request a Free Equity Analysis