What It Means, Your Timeline, and Your Options
Understand your timeline, your rights, and how to protect your home or equity—before it's too late.
A Notice of Default (NOD) is a formal document filed by your lender when you fall behind on mortgage payments.
In California, it marks the start of the foreclosure process.
Understanding where you are in the process helps you make informed decisions.
You have more choices than you think. Here's what you can do right now.
We work with homeowners in California to evaluate all options—whether that's listing on the market, selling as-is for speed, or even accessing up to $100,000 in cash before closing to help with your transition.
Get Your Cash Offer →Yes. You can sell anytime before the foreclosure auction.
Typically 90–120+ days, depending on timing.
Only if the home goes to auction or you wait too long.
Yes—but foreclosure impacts it more than selling proactively.
If you've received a Notice of Default, timing matters. Let's walk through your situation and find the best path forward.