The Process
How Foreclosure Works in California
Understanding the exact timeline gives you power. Every stage has intervention points — the key is knowing where you are and acting before options close.
The Clock
The ~200-Day California Foreclosure Timeline
Drag the hand, tap a stage, or use the arrow keys to move through the 200 days.
Day 1–30
First Missed Payment
Late fee applied (typically 3–5%). Lender begins outreach. Your loan is delinquent but no legal action yet.
Still open to you
- Payment plan setup
- Forbearance agreement
- Loan modification application
- Direct lender negotiation
What We Do at Each Stage
Where We Intervene
Early Stage (Day 1–90)
- Payment plan setup
- Forbearance agreement
- Loan modification application
- Direct lender negotiation
NOD Filed (Day 90–180)
- Loan modification (strongest window)
- Reinstatement plan
- Short sale initiation
- Legal review for errors
NOTS Filed (Day 180+)
- Emergency sale postponement
- Last-chance loan mod appeal
- Short sale fast-track
- Deed in lieu negotiation
Take Action Now
Know Where You Are in the Process?
Tell us your situation and we'll identify exactly which options are still available to you — for free.
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