Stop Foreclosure in California
When a homeowner in California fails to make the payments they agreed to in their mortgage agreement, the lender may begin the process of foreclosure to reclaim the property. However, there are ways to stop foreclosure in California after the process has begun. If you’re a homeowner and need help to prevent foreclosure in California, Eviction Defender in the State of California can help.
The foreclosure process includes multiple steps that take months to complete, with auctions being the culmination of this process. Before reclamation of the property and auction, there are opportunities for homeowners to stop foreclosure in California. In the foreclosure process, there are several stages and legal requirements that must be met before a property can be auctioned off. Here’s what you need to know:
a. The Foreclosure Process
- Missed Payments: Foreclosure proceedings typically start after a homeowner has missed several mortgage payments. The exact number can vary based on the terms of the mortgage agreement.
- Notice of Default: The lender will issue a Notice of Default (NOD) after a specified period of missed payments. This is a public record indicating that the homeowner is at risk of foreclosure.
- Reinstatement Period:After the NOD, homeowners in California have a period during which they can reinstate the loan by catching up on missed payments, plus any additional fees or penalties. This period is typically 90 days.
- Notice of Trustee’s Sale: If the homeowner does not reinstate the loan, the lender will then issue a Notice of Trustee’s Sale, which sets the date, time, and place for the foreclosure auction. This notice must be posted on the property, in a public place, and published in local newspapers.
- Auction: At the auction, the property is sold to the highest bidder, which often ends up being the foreclosing lender. The auction is typically held in a public place, such as the steps of the county courthouse.
b. What Happens If Your Property Is Sold?
- Eviction: If a new owner purchases the property at auction, they may begin eviction proceedings to remove the previous owner and any occupants from the home.
- Surplus Funds: If the property is sold for more than the amount owed, there may be surplus funds.
Please call or email us if you need foreclosure assistance in California. We can familiarize you with the process, your rights, and what you can do to avoid foreclosure.


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