I just got a Notice of Default. How much time do I have?

California foreclosure timing, plain English:

A Notice of Default (NOD) is recorded after you're roughly 90 days behind on your mortgage. Once recorded, California requires a minimum 90-day reinstatement period during which you can cure the default by paying what's owed plus fees.

After that 90 days, if not cured, the lender records a Notice of Trustee's Sale (NOTS) — that sets the actual auction date, typically 21 days out. Total from NOD to auction: usually 4-5 months, but it can vary.

What this means: you have a real window to act, but the window closes fast. The longer you wait, the fewer options you have. If you list within the first 60 days after the NOD, a normal sale at market price is usually possible. If you wait until after the NOTS is recorded, your remaining options narrow to short sale, deed-in-lieu, or letting the auction happen.

Roger has handled many pre-foreclosure listings. The most important thing is that you don't wait. A 20-minute call costs you nothing and clarifies your actual options.

Need a complete answer for your specific situation? Call (510) 504-0402, text (406) 205-9003, or email roger@grubb.net. No charge, no pitch — just a real conversation about what you're navigating.