What to Do If You Get a Notice of Default in California: 10 Things That Can Save Your Home

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. 🌱