A Notice of Default means your lender has started the foreclosure process. It does NOT mean the bank owns your home today. In California there is a window of time after a Notice of Default before the home can be sold at auction — and the earlier we talk, the more options you have.

Your options may include:

• Catch up and keep the home — if the numbers work, I’ll tell you straight
• Sell before the auction date — protect the equity you’ve built and limit the damage to your credit
• Sell as-is, fast — no repairs, no showings, on the timeline the deadline allows
• A short sale — if you owe more than the home is worth

I’m a realtor and a lender in one person, so I can look at both sides — the loan and the sale — and tell you plainly which option puts you in the best position. I’m not a lawyer or a tax advisor; for legal questions I’ll point you to one.

Time matters on this one — call (951) 621-8119 today and tell me where things stand. Free and confidential.