Selling a home in San Diego, Vista, San Marcos, Escondido, Encinitas, Carlsbad
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The foreclosure process and timeline in California

Everybody talks about it, but do you know what's really going on during foreclosure?
1. You missed some payments
For the first three missed payments your reminders and letters from the lender will get less and less friendly until eventually you are contacted by their collection department.
2. The 'Notice of Default'
Usually after the 4th missed payment the lender’s legal department will notify you that you didn’t meet the terms of your loan. This is the official ‘notice of default’, which is also filed with the court. It is now public record, and everybody can see it, so you will get lots of calls from people trying to ‘help’ you...
3. The 'Notice of Trustee Sale'
You have now 90 days left to ‘cure’ your default. Then the Trustee, who is named in the note you signed to your lender, will record a ‘notice of trustee sale’ which sets the date where your house will be sold at an auction to the highest bidder.
4. The 'Foreclosure Auction'
At the auction, your house will go to the highest bidder or, if there are no bids, to your lender.

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No Foreclosure in San Diego!

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All information contained on this website is as accurate as possible, however, errors and omissions may have occurred. OnPoint Real Estate Group LLC will disclose any known facts, however, we advise you to use expert service providers if you should be unsure about any part of this website. OnPoint Real Estate Group LLC does not provide legal or tax consul; individuals should seek their own legal or tax consul before entering into any contract or transaction. This is not a solicitation for business if you are currently working with a Real Estate agent or entered into any agency contract. We are a licensed California Real Estate broker, but we do not want to list or sell your house, nor do we want to sell you are mortgage or anything else. We represent a group of affiliated private investors, buying defaulted notes.