Understanding the Non-Judicial Foreclosure Timeline

Every foreclosure follows a specific path. Understand California’s non-judicial foreclosure process to be prepared at each stage.

Non Judical FORECLOSURE Timeline

APPROXIMATELY 120 DAYS

Understanding the Non-Judicial Foreclosure Timeline

Every foreclosure follows a specific path. Understand California’s non-judicial foreclosure process to be prepared at each stage.

Non-Judicial Foreclosure Timeline

Approximately 120 Days

Notice
of Default

Filed after 3 missed mortgage payments.
Begins foreclosure process.
Homeowner has 90 days to act.

90 Days

Notice
of Sale

Homeowner was unable to find a solution after 90 days.
Lender now files a Notice of Sale officially setting an auction date.

21 Days

Auction

Date scheduled 21 days after Notice of Sale is recorded.
Prior to auction date, homeowner still has options to postpone the sale.

Property Sold

Trustee’s
Sale

Property officially sold at auction.
Deed transferred to last and highest bidder or to foreclosing beneficiary if there are no bids higher than beneficiary’s credit bid.

Best time to take action and yield the best possible results is during the 90-day Notice of Default period. Given the urgent nature of the foreclosure timeline, it is important that we schedule a meeting ASAP to discuss the best option available given your unique set of circumstances.

Need More Time?

AB 2424MAY HELP

when the legal requirements are met and the property is being actively marketed for sale.

Possible Sale Postponement

For qualifying homeowners, AB 2424 may provide additional time to complete a sale before foreclosure.

Up to 45 Daysafter providing a qualifying listing agreement to the trustee.

+ 45 More Dayswhen a qualifying purchase agreement is obtained and provided as required.

Eligibility, timing, documentation, and statutory requirements matter.

AB 2424 does not automatically stop every foreclosure. If a trustee sale date is already scheduled, the timeline should be reviewed as early as possible.

IS YOUR TRUSTEE SALE DATE APPROACHING?

Tell us the scheduled sale date and what notices you received. We can help you understand where you are in the process and what still be available.

Service Area

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

FREE FORECLOSURE REVIEW:

(877) 359-7715

(877) 359-7715