Understanding a Notice of Default in California: Your Guide to Foreclosure Options

What Is a Notice of Default?

A Notice of Default is a formal document your mortgage lender files when you fall behind on your loan payments. Typically, this happens after 90 days of missed payments.

The notice includes:

• The total amount you owe

• A deadline to bring your loan current

• The lender’s intent to begin foreclosure proceedings if no action is taken

Once recorded, the NOD becomes part of the public record, and the countdown to foreclosure begins.

What Happens After a Notice of Default in California?

In California, the timeline after a Notice of Default generally follows this sequence:

• Day 1: The lender records the NOD and notifies you by mail.

• Next 90 Days: You have a period to “cure” the default by paying the past-due amount.

• After 90 Days: If unresolved, the lender may file a Notice of Trustee Sale, which sets a foreclosure auction date.

• 21 Days Later: The property can legally be sold at auction.

This timeline can move quickly. But during this period, you still have multiple legal ways to stop foreclosure or exit the situation strategically.

Five Ways to Stop Foreclosure in California

Homeowners facing foreclosure often feel helpless. The truth is, California law provides several paths to avoid foreclosure if you act early and strategically.

1. Contact Your Lender Immediately

Ignoring calls or letters will not make the problem go away. Many lenders are willing to work with you if you contact them early. You may qualify for:

• Loan modification

• Forbearance

• Repayment plans

2. Apply for a Loan Modification

A loan modification allows you to change the terms of your mortgage—lowering payments, extending the term, or adjusting the interest rate. This can make your mortgage affordable again and stop the foreclosure process.

3. Explore a Short Sale

If keeping the home is not an option, a short sale may be your best alternative. In a short sale, your lender agrees to let you sell the home for less than what is owed. This can prevent foreclosure and limit the damage to your credit.

4. Seek Legal or Housing Counseling Support

A foreclosure attorney or HUD-approved housing counselor can:

• Review your case

• Negotiate with your lender

• Help you understand your rights

In many cases, counseling services are free.

5. Know Your Rights Under California Law

California law requires lenders to follow a specific legal process before foreclosing. You may have rights to:

• Request a loan review

• Dispute errors in your file

• Postpone the sale under certain circumstances

Understanding your legal protections is key to using them effectively.

Real Story: Turning a Notice Into a Second Chance

In 2023, Robert from Los Angeles received a Notice of Default after missing three payments due to a medical emergency. At first, he ignored it out of fear. Two weeks before his home was scheduled for auction, he reached out for help. A counselor helped him apply for a loan modification, and the foreclosure was paused. Today, he’s back on track with his payments.

His story is not unique. But it only became possible because he acted before it was too late.

Take Action Today: Get Help Before It’s Too Late

If you've received a Notice of Default in California, time is not on your side. But with the right help, your situation can be turned around.

Schedule a free consultation today.
We’ll review your situation, explain your rights, and help you explore all available options—without pressure or judgment.

Call us at 323-926-8558 or use the form below to get started.

Don’t wait until the sale date is scheduled.
The sooner you act, the more power you have.