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How We Help

California Foreclosure Solutions: There Is No One-Size-Fits-All Answer

Foreclosure is not only about a mortgage payment. It can affect your family, credit, savings, retirement plans, and years of equity. That is why our first question is not "What can we sell you?" It is:

Start With Your Goal

What Outcome Would Put You in a Better Place?

Once we understand your goal, we can help you look at the available paths. Choose the one closest to your situation.

1

I want to keep my home

Loan modification, reinstatement, repayment plans and more.

2

I need more time

A trustee sale is scheduled and the clock is running.

3

Selling may be better

Protect the equity you have built through a well-managed sale.

4

I owe more than it’s worth

A short sale may be possible with lender approval.

What outcome would put you in a better place?

Once we understand your goal, we can help you look at the available paths.

Secure Home

Keep Your Home

Depending on your circumstances, homeowners across California may be able to explore:

Availability depends on your loan, lender/servicer, financial situation, documentation, and other circumstances. FDP helps you understand your options, organize the required information, and take the next steps with clarity. Learn more about each option on our Keep Your Home page.

If You Need More Time Before a Trustee Sale

If a trustee sale has already been scheduled, every day matters. You may still have options—but the sooner you act, the more choices you may have. Depending on your situation, we may help you explore:

Keep Your Home

Loan modification, repayment, forbearance, or reinstatement

Protect Your Equity

Sell before foreclosure and pursue full market value

Request More Time

Explore available postponement options, including AB 2424 when applicable

Find Another Solution

Refinance, Short sale, Deed-in-lieu, or other available alternatives

Get Legal Support When Needed
We can help connect you with the right attorney for bankruptcy or other legal matters.

You do not need to know which option is right before you call us. Tell us what is happening, and we will help you understand what still be possible. Your next step starts with a conversation.

If Selling Becomes the Better Option

Selling a home does not mean you failed. Sometimes a well-managed sale is the step that protects the equity you built and gives your family a safer financial reset. We can help evaluate market value, estimated net proceeds, the foreclosure timeline, and the practical steps needed to market and close the sale. Learn more about selling before foreclosure.

If You Owe More Than the Home Is Worth

A short sale may be considered when the sale proceeds will not fully satisfy the mortgage debt. Because short sales generally require lender approval and careful coordination with the foreclosure timeline, timing is important.

When keeping the home is no longer possible, a short sale may provide a path to resolve the property, avoid a foreclosure sale, and help your family move forward toward a fresh start.

Next Step: Talk with us early so we can help you understand whether a short sale could give your family a clearer path forward.

When Another Professional Is Needed

Some situations require legal, bankruptcy, tax, probate, or other specialized advice. When that happens, we help you understand why that expertise matters and connect you with the appropriate licensed professional.

Not sure which path fits? Request

Protecting Homes
Preserving Equity

Helping California homeowners understand their options when facing financial hardship and mortgage foreclosure.

Service Area

Los Angeles, Orange, Riverside, San Diego, San Bernardino, Santa Barbara, Ventura, Imperial, Sacramento, Santa Clara, San Francisco, San Luis Obispo, Fresno County

© 2026 Foreclosure Defense Partners. CA DRE License #02049822. All rights reserved.