Foreclosure | Real Home Help

FORECLOSURE HELP YOU CAN TRUST

Facing foreclosure can feel isolating, overwhelming, and urgent all at once. If you’re behind on payments or worried about losing your home, you’re not alone, and you still have options.

At Real Home Help, we believe foreclosure should never be the end of your story. Our role is to help you understand what’s happening, what choices you have, and how to move forward in a way that protects your peace of mind and your future.

Whether you want to keep your home, need time to regroup, or feel ready to sell and move on, we’re here to walk you through your next step with honesty and care.

Understanding the Foreclosure Process in California

California is a non-judicial foreclosure state, which means the foreclosure process usually happens outside of court. While that can sound intimidating, it also means there is a defined timeline, and opportunities to take action before a sale occurs.

Here’s a simplified breakdown of how the process typically works:

Missed Payments - Foreclosure does not start immediately after one missed payment, but it does begin the clock. Lenders may reach out, but you still have time to explore solutions.

90 Days Late: Notice of Default - Once you are about 90 days behind, the lender may file a Notice of Default. This is a formal warning that foreclosure proceedings have begun.

180 Days Late: Notice of Trustee Sale - If the loan remains unresolved, a Notice of Trustee Sale may be issued. This sets a potential auction date.

Around 200+ Days: Trustee Sale - After a minimum 21-day notice period, the property can be sold at auction.

Important to know:
Even after a Notice of Default or Notice of Trustee Sale is filed, you still have options. Many homeowners assume it’s “too late” when it isn’t.

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You Still Have Choices

No two situations are the same. That’s why Real Home Help doesn’t push a single solution. Instead, we take the time to understand your circumstances and help you evaluate the paths available to you.

Here are some of the most common options homeowners explore when facing foreclosure:

Option 1:
Loan Modification

A loan modification may allow you to adjust the terms of your existing mortgage. This can include:

Lowering the interest rate
Extending the loan term
Rolling missed payments into the balance

For some homeowners, this option can make payments more manageable and help them stay in their home.
Loan modifications aren’t guaranteed, and the process can be complex. We help you understand whether this is a realistic path and what documentation may be required.

Option 2:
Borrowing from Family or Friends

In certain situations, borrowing money to catch up on payments can provide temporary relief. This option works best when:

The setback is short-term
There is a clear plan to stay current moving forward

We help homeowners think through the long-term implications so that a short-term solution doesn’t create future stress.

Option 3:
Short Sale

A short sale allows you to sell your home for less than what is owed, with lender approval. While this process can take time, it may help you:

Avoid foreclosure on your record
Exit the property in a more controlled way
Reduce financial strain

We guide you through whether a short sale makes sense and connect you with experienced professionals who understand the process.

Option 4:
Selling on the Open Market

In some cases, listing the home traditionally can be the best move, especially if there is equity or strong buyer demand.
This route can:

Pay off the loan in full
Preserve credit compared to foreclosure
Provide funds for a fresh start

We help assess whether timing, condition, and pricing make a retail sale a viable option before foreclosure deadlines.

Option 5:
Cash Offer Sale

When time is limited or the home needs repairs, a cash sale to an investor can provide speed and certainty.
A cash offer may be right if you:

Need to sell quickly
Want to avoid showings, repairs, or fees
Prefer a simple, as-is transaction

At Real Home Help, we focus on transparency. We explain how cash offers work, what to expect, and ensure you understand the numbers before making any decision.

Our Approach: Support Without Pressure

What makes Real Home Help different is how we show up.
We are not here to rush you, scare you, or push you into a decision. Our role is to:

EXPLAIN YOUR OPTIONS CLEARLY

ANSWER YOUR QUESTIONS HONESTLY

HELP YOU CHOOSE THE PATH THAT FITS YOUR GOALS

Sometimes the best outcome is keeping the home. Other times, it’s selling and starting fresh. Either way, you deserve respect and clarity throughout the process.

You Don’t Have to Figure This Out Alone

Foreclosure conversations are hard, but avoiding them doesn’t make the situation easier. The sooner you understand your options, the more control you have.

If you’re worried about missed payments, notices from your lender, or an upcoming sale date, reach out to us. A simple conversation can bring clarity and calm to a stressful situation.

Real Home Help is here to help you take the next step, with dignity, honesty, and support.