How to Reinstate Your Mortgage in California and Stop Foreclosure

What Is Loan Reinstatement?

Reinstatement means paying all past-due amounts — missed payments, late fees, and legal costs — in one lump sum to bring your loan current. Once paid, the foreclosure process stops and your loan continues as if the default never happened.

California's Right to Reinstate

California law gives homeowners the right to reinstate their mortgage up to 5 business days before the scheduled trustee sale. This right exists regardless of how many times you've been in default.

What Does Reinstatement Cost?

The reinstatement amount includes all missed monthly payments, late charges (typically 3-5% per missed payment), attorney or trustee fees charged by the lender, any property preservation costs, and recording fees.

Request the exact reinstatement figure in writing from your servicer or the trustee listed on your Notice of Trustee Sale.

How to Fund Reinstatement

Family or personal loans. Home equity line of credit (if available). Retirement account withdrawal. Private investor bridge loan. Local government emergency assistance programs.

NFDA Can Help

NFDA can help you identify reinstatement funding resources and coordinate with your servicer to confirm the amount and process. Call 949-484-9849 or visit www.thenfda.com.