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Short-sale guide

California Notice of Default Options

A Notice of Default is a public signal that the nonjudicial foreclosure process may have begun. It is a time to compare options, verify documents, and avoid panic decisions.

Updated 2026-07-09

This portal is not foreclosure rescue, legal advice, tax advice, credit repair, or loan-modification service. Lender approval, postponement, debt forgiveness, and legal, tax, or credit outcomes are not guaranteed.

Start with dates and documents

Record the notice date, trustee, servicer, property address, and any sale-date language exactly as shown on the document.

Review sale feasibility

A listing or short-sale review should compare expected market value, payoff, arrears, liens, HOA, tax, repairs, and sale timing.

Frequently asked questions

Is a Notice of Default the same as a sale date?

No. It is not the same as a trustee sale date. The document and trustee records must be reviewed carefully.