Foreclosure Timeline in California
Understanding the Process
In California, the foreclosure process is generally non-judicial, meaning it does not require court involvement. This makes it faster and more straightforward than in many other states.
Typically, the entire process takes about four to five months from the filing of the Notice of Default — unless the lender agrees to delay or negotiate alternative options such as a short sale or loan modification.
Knowing what to expect at each stage can help homeowners make informed decisions before it’s too late.
1. Payment Delinquency (Approx. 2 Months)
Foreclosure usually begins after a homeowner is at least two months behind on mortgage payments.
While lenders can technically start the process earlier, they often wait until multiple payments are missed before recording a Notice of Default (NOD).
2. Notice of Default (NOD) – 3 Months
Once the borrower is in default, the lender officially notifies the homeowner by filing a Notice of Default with the County Recorder’s Office.
This marks the start of the foreclosure process. From this point, the homeowner has approximately 90 days to bring the loan current, negotiate a short sale, or explore other solutions with the lender.
3. Notice of Trustee’s Sale – 20 Days
If the default is not resolved within those 90 days, the Trustee will record a Notice of Trustee’s Sale.
This notice includes the date, time, and location of the foreclosure auction. It is:
Posted on the property
Published in a newspaper of general circulation
Mailed directly to the borrower
After at least 20 days, the property can be sold at public auction to the highest bidder or revert to the lender.
Total Foreclosure Timeline: Approximately 5 Months, 20 Days
From the initial missed payment to the completion of the foreclosure sale, the entire process typically takes just under six months — unless action is taken to delay or stop it.
Take Control Before It’s Too Late
If you’ve received a Notice of Default or are struggling to make your payments, you still have options.
Our experienced team can help you negotiate a short sale, work with your lender, and protect your credit before foreclosure is finalized.
Reach out today for a free, confidential consultation — we’re here to guide you every step of the way.
Let’s Talk About Your Options
Every situation is unique — we’re here to listen, answer your questions, and guide you toward the best solution.