10/06/2026
Know Where You Stand: The California Foreclosure Timeline 🏡
If you've received a Notice of Default (NOD), you may have more options than you realize. The first window to know about is the reinstatement period, which generally runs 30 to 90 days after the NOD.
During this time, you can "cure" the default by paying the overdue amount plus fees and costs. Doing so stops the foreclosure and reinstates your loan. You may also have the option of a possible payment plan.
The key is to act before this window closes. Along with reinstatement, you can explore:
✅ A loan modification
✅ A traditional sale or short sale
✅ Other options that fit your situation
Facing this is stressful, but you don't have to figure it out alone. Understanding the timeline is the first step toward making a confident decision for you and your family. 💛
Questions about your options? Reach out. We're happy to point you in the right direction. Also remember to like, comment and share this post!
Irene Villalobos
Broker Owner
IVRE Consultants
Lic. #01343557
Commercial/Residential
C:949-307-1814
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.