Providing Homeowner’s Aid Through Tough Times. We are Real People, Providing Real Solutions since 2002. We believe “Everyone Deserves A Second Chance”!
Time is Your Enemy
If your house payments are more than a month or two behind, your lender has probably already started foreclosure proceedings. As time passes, thousands of dollars in penalties and legal fees can be added to your balance. In addition, every passing day, extra interest is added! The longer you wait, the harder it is for us to help you. To avoid this you must act quickly!
Timeline of the Foreclosure Process in California
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 starts when you miss your first payment to your lender.
Your lender files a Notice of Default with the court announcing how much you are behind.
Once you’ve received a Notice of Default, you have 3 months in which to attempt to bring the entire past due amount current.
Your home will be auctioned at the courthouse to the highest bidder.
Some Ways We Can Help
We can arrange a new loan in the amount needed to bring your mortgage current.
Refinanace your existing mortgage balance with a new lender.
Sell your property at the highest price possible.
Purchase your porperty for cash in as little as 7 days!
Additional options to choose from! Call us today to see how we can help!