California Foreclosure Timeline

Day 1
Record Notice of Default


Within 10 Days
Notice of Default Mailed to trustors and Special Requests for Notice


Within 1 Month
Notice of Default mailed to parties pursuant to California Civil Code 2924(c)


After 90 Days
End of 90 Days redemption period. Trustee’s sale date can be set.
 
25 Days Prior to Sale Date
Notice to the IRS must be given if required


At Least 20 Days Prior to Sale Date
Publish Notice of Sale, Post Notice of Sale, Mail Notice of Sale


Within 10 Days From First Publication of Notice of Sale
Send beneficiary request for property directions.


14 Days Prior to Sale
Record Notice of Trustee’s Sale


 
5 Business Days Before Sale Date
Right to reinstate expires


 
Sale Date
Property Sold to highest bidder
 


The California Foreclosure timeline is applicable for California Non-Judicial Foreclosures under Deed of Trust. Foreclosures begin with the Trustor (borrower) not making the monthly payment to the Beneficiary (Lender). The first missed payment is technical default, but in practical terms, most Beneficiaries do not begin the process until the third payment is missed. If the Beneficiary cannot resolve the defaulted payment amount with the Trustor through Forbearance or other Loss Mitigation measures, the Beneficiary will instruct the Trustee to begin Foreclosure proceedings. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary, therefore, please consult a professional for specific advice.


 

California Foreclosure Law

Individuals who are in foreclosure are urged to contact their own legal and tax advisor's for further information on california foreclosure law. Your foreclosure timeline is based on foreclosure law.

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• Never forget what your California foreclosure timeline is for your loan in foreclosure.