Question 1

Why are California foreclosure rates rising in 2026?

Accepted Answer

California foreclosure rates are rising in 2026 primarily due to adjustable-rate mortgage (ARM) resets, with many homeowners seeing monthly payments jump by $1,200 or more. NOD filings are up 38% year-over-year in H1 2026 vs H1 2024, with the Inland Empire (San Bernardino and Riverside counties) seeing the steepest surge at +45%. Rising interest rates, post-pandemic forbearance expirations, and high home prices relative to incomes are contributing factors.

Question 2

What is a Notice of Default and what should I do if I receive one?

Accepted Answer

A Notice of Default (NOD) is the formal document recorded by a lender to begin California's non-judicial foreclosure process under Cal. Civ. Code § 2924. If you receive one, act immediately: you have 90 days before a Notice of Trustee Sale can be recorded. Contact 45 Day Relief at (800) 224-6962 for a free consultation to explore loan modification, AB 2424 postponement, short sale, or other options to stop foreclosure.

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