California Foreclosure Timeline: Every Stage, Every Deadline, Every Option

Stage 1: Missed Payments (Month 1-3)

After your first missed payment, your loan enters default. Federal law requires servicers to assign a single point of contact within 45 days. This is the ideal time to contact NFDA and begin the loss mitigation process.

Stage 2: Notice of Default (Month 3-4)

The lender records a Notice of Default (NOD) with your county recorder. This starts the official California foreclosure clock. You have 90 days from this date before the lender can issue a Notice of Trustee Sale.

Stage 3: Notice of Trustee Sale (Month 7+)

After the 90-day NOD period, the lender records a Notice of Trustee Sale. The sale must be scheduled at least 21 days from the notice date.

Stage 4: Trustee Sale

The property is auctioned. You lose the right to reinstate after 5 business days before the sale. California does not allow post-sale redemption in non-judicial foreclosures.

Every Stage Has Options

NFDA has helped homeowners at every stage — including 48 hours before sale. Contact us immediately at www.thenfda.com.