What to Do If You Get a Notice of Default in California: 10 Things That Can Save Your Home
4/10/20253 min read
Got a Notice of Default in California? Here’s What It Really Means—and 10 Things That Can Save Your Home
You just opened your mailbox and saw it… "Notice of Default."
Your stomach drops.
Your hands shake.
Your mind races with questions:
“Am I about to lose my house?”
“How long do I have?”
“Is there anything I can do?”
Take a breath.
You’re not alone.
And yes — you have options.
What Is a Notice of Default in California?
A Notice of Default (NOD) is a legal document your lender files when you’ve missed multiple mortgage payments. It officially starts the pre-foreclosure process — but it does NOT mean you’ve lost your home.
In California, this notice is typically issued after 90 days of non-payment and includes:
The total amount past due
A timeline for repayment
Your right to “cure” the default
The warning that foreclosure may follow if no action is taken
From the day you receive an NOD, the clock starts ticking. You usually have 90 days to resolve the issue before the property can be scheduled for a trustee sale (foreclosure auction).
Why This Is a Turning Point — Not the End
For many homeowners, receiving an NOD triggers shame, panic, and paralysis.
But here’s the truth:
The Notice isn’t the end — it’s the beginning of your comeback story.
You still have legal rights. You still have time. You still have real solutions.
Let’s walk through them.
10 Smart Things You Can Do After Receiving a Notice of Default
1. Contact Your Lender Immediately
Don’t ghost your bank. Call them. Many lenders offer:
Repayment plans
Temporary forbearance
Loan modification options
The earlier you reach out, the more flexibility you’ll have.
2. Understand Your Legal Rights in California
California gives you specific protections, including:
Right to cure the default within 90 days
Right to request a delay or review
Right to seek legal aid before sale
3. Consult a Foreclosure Attorney
An experienced local attorney can:
Review your case
Spot violations in the foreclosure process
Help delay or stop the foreclosure
Bonus: Many offer free consultations.
4. Explore a Short Sale Option
Can’t afford the mortgage anymore?
You may be able to sell the house for less than you owe and have the remaining balance forgiven.
It’s not ideal — but it hurts your credit less than foreclosure.
5. Tap Into Local Support Programs
California offers help like:
The CA Mortgage Relief Program
Nonprofit counseling agencies
Hardship grants
These programs can save your home or help you exit with dignity.
6. Cut Expenses and Create a Survival Budget
Cut the cable. Pause subscriptions.
Your goal: Free up cash to pay your mortgage or relocation costs.
7. Document Every Communication
Keep records of every email, call, letter, or promise made by your lender.
This may protect you legally later.
8. Avoid Foreclosure Scams
Beware of:
“We’ll buy your house cash today” signs
People who want upfront fees
Fake "foreclosure consultants"
Only work with licensed, verified professionals.
9. Attend Free Housing Counseling
HUD-approved counselors can:
Help you apply for relief
Guide you through paperwork
Represent you with lenders — for free
10. Ask Yourself the Big Question: Do You Want to Keep the Home?
This is tough, but necessary.
If the mortgage is no longer sustainable, selling may be your path to peace.
If you want to fight to keep it — there are options, too.
Let’s Talk — No Pressure, Just Help
The longer you wait, the fewer options you’ll have.
We help California homeowners every day who are scared, behind on payments, and unsure what to do next.
💬 Schedule your FREE consultation now — no obligations, no judgment. Just clear, practical help.
📱 Or call us directly: 323-926-8558
You don’t have to go through this alone.
You don’t have to lose your home.
💬 Final Words
A Notice of Default is scary — but it’s also a signal. A moment to pause, reflect, and pivot.
With the right guidance and support, you can change the outcome. Whether you fight to keep your home or choose a smarter exit, you deserve dignity, clarity, and help.
We’re here when you’re ready. 🌱
Foreclosure Experts here to help you and avoid your foreclosure!
You’re not alone. We help California homeowners avoid foreclosure and sell their homes fast with expert short sale support — confidential, efficient, and at no cost to you.
Support
Freedom
323-926-8558
© 2025. All rights reserved.