If you’ve received a Notice of Default (NOD), you’re not alone—and you still have options.

This is an important moment, but it’s not the end of the road. In many cases, homeowners still have time to take control of the situation, protect their equity, and avoid foreclosure.

I’ve put together this page to give you a clear understanding of what’s happening and how you can move forward.

What Is a Notice of Default?

A Notice of Default is the first formal step in the foreclosure process in California.

It means:

  • Your mortgage payments are behind

  • The lender has recorded a public notice

  • The foreclosure timeline has officially started

But here’s the key:

You have time—and options—to resolve this before losing your home.

⏳ California Foreclosure Timeline (Simplified)

Understanding the timeline can help reduce uncertainty.

1. Notice of Default Filed

This starts the process.

2. 90-Day Reinstatement Period

You typically have at least 90 days to:

  • Catch up on missed payments

  • Work out a solution with your lender

  • Explore other options

3. Notice of Trustee Sale

If unresolved, the lender can schedule a sale date (at least 21 days out).

4. Foreclosure Sale

If no action is taken, the home may be sold at auction.

What Are Your Options?

Every situation is different, but here are some of the most common paths forward:

✔️ Loan Modification

Adjust your loan terms to create a more manageable payment.

✔️ Forbearance

Temporarily pause or reduce payments.

✔️ Reinstatement

Catch up on missed payments and bring the loan current.

✔️ Sell Your Home

Sell before foreclosure and protect your equity and credit.

✔️ Short Sale

If you owe more than the home is worth, negotiate with the lender to sell for less.

Why Selling Early Can Make a Big Difference

Many homeowners wait too long to explore their options.

Selling before foreclosure can:

  • Preserve your equity

  • Protect your credit

  • Give you more control over the outcome

  • Avoid the stress of a forced sale

In many cases, there is still significant equity in the home—and that equity can be used to help you transition to your next chapter.

How I Can Help

My role isn’t to pressure you—it’s to help you understand your options and make the best decision for your situation.

Here’s how I can help:

  • Provide a confidential home value estimate

  • Review your equity position

  • Help you understand timing and deadlines

  • Coordinate with lenders, escrow, and other parties

  • If selling makes sense, help you maximize your net proceeds

Everything starts with a simple conversation.

No Pressure. No Obligation. Completely Confidential.

I understand this can be a stressful and personal situation.

You don’t need to have all the answers right now—you just need good information.

Let’s Talk About Your Options

If you’ve received a Notice of Default and want to understand what this means for you, I’m here to help.

Call or text: (916) 316-5626

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Final Thought

A Notice of Default is serious—but it’s also a window of opportunity.

The sooner you understand your options, the more control you have.