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Facing Foreclosure in California: Get Help and Compare Options

Foreclosure notices can bring a lot of uncertainty. Start by contacting your mortgage servicer and getting qualified help to understand the dates and options that apply to you. You can also explore a possible sale. Asking for an offer does not pause an auction or guarantee that a purchase can close before it.

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Talk with your servicer and get independent help

Ask your servicer about your loan status and available options. The California Courts foreclosure and mortgage-help directory links to HUD-approved counseling and legal resources. A counselor or attorney can help you understand options that may allow you to keep the home, as well as situations where selling may be appropriate.

California’s nonjudicial foreclosure guide explains the process and homeowner protections. Review your own notices with a qualified adviser to understand the deadlines that apply to you.

Know the deadline that applies to you

Keep any foreclosure notices for your own reference and review the dates with your servicer or qualified adviser. If you call us about a possible sale, let us know about any auction deadline so we can discuss the time available.

You do not need to gather loan records before contacting us. If private documents are needed later, the closing team can explain what is required and how to share them securely.

Understand what a possible sale requires

A sale depends on buyer terms, title, amounts due, necessary signatures, and the time available. Signing an agreement does not by itself complete the sale or stop an auction. If the sale would not bring enough money to pay the required balances, additional approval or another solution may be needed. Consult the professionals handling the loan and sale.

Armando can evaluate a possible as-is purchase, including a house in Kern County or Los Angeles County. Explain the deadline immediately. Whether a sale can close in time depends on the situation. Ask qualified advisers about the possible effects on credit, taxes and other legal matters.

Be careful with guaranteed rescue promises

Be careful with anyone promising guaranteed relief, pressuring you to transfer title, or discouraging contact with your servicer or an independent adviser. The California DFPI foreclosure-scam alert offers additional guidance.

Choose your next step with support

You can seek counseling and evaluate a possible sale at the same time. If you want to ask about an offer, call and let us know the deadline. Read our buying process and compare selling options. Continue working with your servicer and qualified advisers while any sale is evaluated.

Ask about a no-obligation cash offer or call 559-238-4745.