Received a Notice of Default?
You Still Have Options.
Time is critical, but foreclosure isn't your only path. Let's explore ways to protect your equity, save your credit, and help you move forward.
Feeling Overwhelmed by
Impending Foreclosure?
Receiving a Notice of Default is scary, but ignoring it is the worst thing you can do. The banks want you to think you have no control, but you have rights and options.
We provide a calm, non-judgmental environment to assess your timeline and create an immediate action plan to protect your financial future.
What Does a Notice of Default Mean?
A Notice of Default is the first official step in the foreclosure process. It means your lender has publicly recorded that you are behind on your payments. However, this is just the beginning of a timeline, and you still have time to act.
Why Act Now?
- Stop the foreclosure clock before it's too late
- Protect whatever equity you still have in the home
- Avoid the devastating 7-year credit hit of a foreclosure
- Keep control of your housing transition
How We Can Help
Review Your Options
We conduct a confidential review of your timeline, home value, and equity to determine your best course of action.
Communicate with Lenders
If necessary, we can help facilitate communication with your lender to buy you the time needed to sell.
Prepare & List
We quickly prepare your home for the market and implement a targeted marketing strategy to attract buyers.
Negotiate Offers
We handle all negotiations to ensure you get the best possible price and terms, maximizing any remaining equity.
Close & Relieve the Stress
We guide you through a smooth closing, allowing you to pay off the debt, avoid foreclosure, and start fresh.
Selling vs. Foreclosure
Understanding the impact on your future.
| Feature | Selling Now | Foreclosure |
|---|---|---|
| Credit Impact | Minimal to Moderate | Severe / Long-term |
| Equity Preservation | You keep remaining equity | Bank takes the property |
| Future Buying Ability | Typically 1-3 Years | Typically 7 Years |
| Control | You manage the sale | Eviction by the bank |
Who This Is For
You received a Notice of Default (NOD)
You're facing an impending auction date
You have equity but can't afford payments
You want to protect your credit score
You need a fast, professional solution
You want to avoid the stress of foreclosure
Time is of the Essence
In California, the timeline from a Notice of Default to a foreclosure auction moves quickly. Whether you are in Los Angeles, Burbank, Studio City, Sherman Oaks, or Hollywood Hills, taking action immediately is crucial.
We know the local market, we understand the legal timelines, and we have the resources to help you execute a fast, effective strategy to protect yourself.
Request a Confidential Consultation
Let's talk through your options in a safe, no-pressure environment.
Frequently Asked Questions
Clear answers to help you navigate your options.
What is a Notice of Default?
A Notice of Default (NOD) is a formal public notice filed by a lender stating that the borrower has fallen behind on mortgage payments and the lender intends to pursue foreclosure if the debt is not resolved.
How much time do I have after an NOD is filed?
In California, after a Notice of Default is recorded, you typically have 90 days to cure the default. If not resolved, the lender can file a Notice of Sale, giving you 21 days before the property is auctioned.
Can I still sell my house if I have an NOD?
Yes. In fact, selling your home before the foreclosure auction is often the best way to pay off the debt, protect your remaining equity, and avoid a foreclosure on your record.
What if I owe more than the house is worth?
If your home is worth less than what you owe, you may qualify for a Short Sale. We can negotiate with your lender to accept the sale price as full payoff for the loan.
Will selling stop the foreclosure?
Selling the property and paying off the loan will stop the foreclosure. If you are actively in escrow, lenders will sometimes postpone the auction date to allow the sale to close.
Are your consultations confidential?
Absolutely. We understand this is a sensitive situation. All our conversations and strategies are kept strictly confidential.
