Pre-foreclosure help
Behind on your mortgage? Protect your equity
If you're facing foreclosure, you have more options — and more time — than you think. We can arrange a bridge loan to stop the process, remove the default, and give you months to sell on your terms.
A bridge loan can stop the clock
We can arrange a hard-money bridge loan to bring your mortgage current, stop the foreclosure, and remove the Notice of Default — buying you three to six months to sell without pressure. There are no payments during the term, and it's paid off at closing. You keep your equity.
- ✓Bring the mortgage current and halt the foreclosure.
- ✓Remove the Notice of Default.
- ✓No payments during the bridge term — it's paid off when you sell.
- ✓You keep your equity instead of losing it at auction.
Know the California timeline
Foreclosure in California isn't instant — understanding the timeline is how you protect yourself:
- ✓Foreclosure typically begins around 90 days past due.
- ✓You generally have a 90-day reinstatement window after the Notice of Default.
- ✓You can reinstate up to 5 business days before the auction.
- ✓The full process usually takes a minimum of ~111 days.
- ✓Most California foreclosures are nonjudicial, with no redemption period after the sale.
Ready when you are
Questions? Call or text Andrew at (760) 801-6550 — no pressure, no obligation.
For sellers