In California, a Notice of Default starts the formal foreclosure process, but homeowners generally still have time to explore options. That may include catching up on missed payments, working with the lender, listing the home, or selling directly before the situation gets worse.
In California, a Notice of Default is a formal document filed by your lender after you’ve fallen behind on your mortgage—usually after about 120 days of missed payments.
It means the foreclosure process has officially started, but it does not mean your home is being sold right away.
Once a Notice of Default is recorded, homeowners typically have about 90 days to catch up on missed payments or work out a solution before the next step in the process.
At Bravo Zulu Real Estate Company, we help homeowners understand their options clearly and without pressure, judgment, or confusion.
You deserve straight answers before making a big decision.
Send us a message with the word OPTIONS or click the link in our bio and we’ll help you understand your next step