Behind on payments?
Get clarity before deadlines decide.
This page is educational. It helps you understand typical timelines, decision points, and practical options so you can choose a next step without pressure.
If you have a notice
Treat it as time-sensitive and document everything.
Understand the typical sequence — and where decisions matter.
Timelines vary by state and lender. Use this as a general map. If you have a legal notice, consult qualified counsel promptly.
Missed payments / early delinquency
You may start receiving notices and calls. Document everything and confirm the account history.
Notice of Default / demand letter
A notice may identify cure amounts and deadlines. Save it and consult counsel if it's a legal notice.
Pre-foreclosure / referral to attorney
Servicer may refer the file. Options can still exist, but timelines can compress quickly.
Filing / notice of sale (varies)
Court filings, mediation, or sale notices vary. If you're here, involve qualified counsel promptly.
Decision point
Common routes: reinstate, modification / forbearance, sale, or other solutions depending on facts.
Resolution
Resolution varies. The goal is clarity and documentation — so you don't drift into the worst-case path.
Project your timeline
Enter the date of your first missed payment to see an estimated sequence of events. Knowing the timeline helps you understand how much time you have to explore options.
Typical Timeline Breakdown (Days)
State-Specific Foreclosure Laws.
Foreclosure processes vary drastically depending on where you live. Select your state to see a quick summary of the typical timeline, foreclosure type, and your rights.
Select State
Choose your property's state to view the relevant foreclosure laws and typical timelines.
California Laws
Primary Type
Non-Judicial
Bypasses court if the mortgage has a power of sale. Generally faster.
Typical Timeline
120-200 days
Estimated time from the first missed payment to the foreclosure sale.
Right of Redemption
None (if non-judicial)
The period after the auction where you may reclaim the home by paying the full purchase price plus costs.
Deficiency Judgments
Prohibited (if non-judicial)
Whether the lender can sue you for the remaining loan balance if the auction sale doesn't cover the full debt.
Explore practical routes — then confirm fit.
These are common categories of action people consider. The correct route depends on your facts, timelines, and local rules.
What to gather — and what to ask — before you commit.
A clean file often prevents avoidable mistakes. This is educational and not legal advice.
Documents
- Notice of default / demand letter
- Loan number and servicer contact info
- Recent payment history
- Property address and occupancy status
Questions to ask
- What is the current status of the loan?
- What is the reinstatement amount?
- What is the payoff amount?
- What deadlines exist?
Understand the language
Common foreclosure terms defined simply.