Panoramic view of a neighborhood in Anah

CALIFORNIA'S PREFERRED FORECLOSURE DEFENSE

A Solution for Every Scenario
Legal Protection*
Restraining Orders*
Forbearance Agreements
Reinstatement Plans
Extended Terms
Interest Rate Reductions
Loan Modification Decline Appeals
Sale Date Postponement
Bankruptcy*
Surplus Funds
Customized Solutions

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SUCCESS IN NOT AN ACCIDENT

It's the outcome of preparation, hard work, and perseverance

Our list of happy southern California homeowners continues to grow each and every day!

EXPERIENCE YOU CAN TRUST

Our team of professionals have decades of combined experience in the southern California market.  Together we have helped thousands of homeowners stay in their properties and avoid foreclosure. 

We know homeowners face a variety of options which can be both stressful and confusing.  We also know choosing the wrong option can have life changing consequences.  That's why we always begin with a free no cost, no obligation appointment to explain all your options in a transparent, easy to understand manner.  We know an educated consumer will always choose us!

"Honesty is the best policy. If I lose mine honor, I lose myself."

-William Shakespear

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CALIFORNIA'S FORECLOSURE TIMELINE

In California, lenders typically foreclose on deeds of trust or mortgages using a nonjudicial foreclosure process.  The California foreclosure process can last up to 200 days or longer. Day 1 begins when a payment is missed , at which point you are technically behind on your loan.  Your loan is officially in default once you are 90 days behind and your lender files a notice of default.  After 180 days, you’ll receive a notice of trustee sale if  you have failed to bring your account current.  About 21 days later, your bank can auction the property at the courthouse.  

Day 1
Late Payment

Day 1 starts wehn you miss your first payment to your lender.

Your lender files a Notice of Default with the court. 

Notice of Default
Day 90
Day 180
Notice of Trustee Sale

Once you’ve received a Notice of Default, you have 3 months in which to attempt to get your loan current.  

Your home will be auctioned at the courthouse to the highest bidder. 

Auction Date
Day 201
 
California Foreclosure Timeline

CALIFORNIA'S FORECLOSURE TIMELINE

In California, lenders typically foreclose on deeds of trust or mortgages using a nonjudicial foreclosure process.  The California foreclosure process can last up to 200 days or longer. Day 1 begins when a payment is missed, at which point you are technically behind on your loan.  Your loan is officially in default once you are 90 days behind and your lender files a notice of default.  After 180 days, you’ll receive a notice of trustee sale if  you have failed to bring your account current.  About 21 days later, your bank can auction the property at the courthouse.  

Day 1

Your lender files a Notice of Default with the court announcing how much you are behind. 

Your home will be auctioned at the courthouse to the highest bidder. 

Late Payment

Day 1 starts when you miss your first payment to your lender.

Once you’ve received a Notice of Default, you have 3 months in which to attempt to bring the entire past due amount current. 

LENDERS WE WORK WITH

Relationships matter.  Over the years we have developed relationships with a wide variety of lenders.  When you choose to work with Keep Your Keys, you get the ability to leverage our contacts, lender experience, escalation strategies, and proven techniques.  Simply put, our relationships and experience can not be replicated.  Just some of the lenders we have existing relationships with are shown below.   

Lenders We Work With

Accubanc

Aegis

American Advisors

American Brokers

American Mortgage 

American Savings

America's Wholesale

Ameriquest

Argent

Bank of America

Beneficial

BNC

Cal Fed

Carrington

Chase

Clearwater

Countrywide

Downey Savings

Encore

Equifirst

Essex

Fieldstone

Financial Freedom

First Capital

First Magnus

Flagstar

Fremont Investment

First Franklin

First Magnus

Fremont

Full Spectrum

Great Western

Greenpoint

Home Capital

Homecomings

Household Finance

iMortgage

Impac

Indymac

IRes

JP Morgan

JMAC

Lehman Brothers

Liverty

Live Well Financial

Loan Care

Loan Depot

Logix

Long Beach Mortgage

Metlife

Motive

Mr. Cooper

National City Mortgage

Nations Direct

New Century

Norwest

Ocwen

Ohio Savings

Option One 

Ownit Mortgage

Pacific Union Financial

Paramount Residential

PHH Mortgage

PMAC Lending

PMC Bancorp

PNC

Provident Funding

Quality Mortgage

Quicken

Quick Loan Funding

Royal Credit

Seattle Mortgage

Security National

Select Portfolio Servicing

Shellpoint

Sierra Pacific

Stearns Lending

Sunwest Mortgage

Taylor, Bean, & Whitaker

TLP

Trust One

Union FSB

United Financial Mortage

US Bank

Wachovia

Washington Mutual 

Wells Fargo

Wescom

Wilmington

WMC Mortgage

World Savings