Act immediately. Once a trustee sale is complete, your options are extremely limited. Every day counts — contact us as soon as you receive a Notice of Default or Notice of Trustee Sale.
The California Foreclosure Timeline
Notice of Default (NOD)
The lender records a Notice of Default after 90+ days of missed payments. This starts the formal foreclosure clock. (Cal. Civ. Code § 2924)
3-Month Reinstatement Window
You have 90 days from the NOD recording to reinstate the loan by paying all overdue amounts, fees, and costs. (Cal. Civ. Code § 2924c)
Notice of Trustee Sale (NTS)
If the loan is not reinstated, the lender records a Notice of Trustee Sale. The sale must be scheduled at least 21 days after the NTS is recorded and published. (Cal. Civ. Code § 2924f)
AB 2424 Deadline
Under AB 2424 (Cal. Civ. Code § 2924.11), if you submit a valid listing agreement at least 5 business days before the sale, the sale must be postponed 45 days.
Trustee Sale / Auction
The property is auctioned to the highest bidder at a public sale. Once the sale is complete, your right of redemption is extinguished. (Cal. Civ. Code § 2924h)
Your Legal Rights Before a Trustee Sale
- Right to reinstate the loan up to 5 business days before the trustee sale (Cal. Civ. Code § 2924c)
- Right to a 45-day postponement under AB 2424 if you have an active listing agreement (Cal. Civ. Code § 2924.11)
- Protection from dual tracking while a complete loss-mitigation application is under review (Cal. Civ. Code § 2923.6)
- Right to a single point of contact at your loan servicer (Cal. Civ. Code § 2923.7)
- Right to request a postponement for bankruptcy or other legal proceedings (11 U.S.C. § 362 automatic stay)
Options to Stop or Delay the Sale
Loan Modification
Apply for a modification to change your loan terms and make payments affordable. The lender cannot proceed with the sale while a complete application is pending.
Learn About ModificationsShort Sale
Sell the home for less than owed with lender approval. Avoids the auction and gives you more control over the outcome.
Learn About Short SalesAB 2424 Postponement
Submit a valid listing agreement at least 5 business days before the sale to trigger a mandatory 45-day postponement.
Learn About AB 2424