08/22/2026
In California, most foreclosures are “nonjudicial,” meaning they happen outside of court through a power-of-sale process spelled out in the Deed of Trust you signed when you closed on the purchase of your home. That process is run by a neutral third party called a trustee, not by the lender directly.
If you've received a late notice, a Notice of Default, or even a Notice of Trustee's Sale, it does not mean losing your home is inevitable. The single most useful thing you can do is understand exactly where you are in the timeline and act before the next deadline — which is exactly what my complimentary guide - Understanding Foreclosure is designed to help with.
⚠ TIP: Most people know what their financial hardships are before they miss their first mortgage payment. Your best defense is an early offense. Reach out to the available resources listed in my guide and get started on learning your options as soon as you miss your first payment, before the process starts.
DM me to receive my complimentary homeowner's guide - Understanding Foreclosure. This guide includes a step-by-step process, definitions of commonly used terms and free resources to assist you with guiding you towards a positive solution. 💬
Irene Villalobos
Broker Owner
IVRE Consultants
Lic. #01343557
Commercial/Residential
C:949-307-1814
https://ivreconsulting.com/
Disclaimer: This information is for educational purposes only and is not legal, tax, or financial advice. Foreclosure timelines and options vary by individual circumstances, lender, and loan type. For advice specific to your situation, consult a qualified attorney, tax professional, or HUD-approved housing counselor. Information is believed accurate as of the date published but may change.
Disclaimer: A HUD-approved housing counselor can walk through these options with you at no cost, and a real estate professional can advise specifically on the selling-related paths.