THE CLOCK IS TICKING AND VALUABLE TIME IS RUNNING OUT! 

The sooner you act the more options you will have available to help us better serve you. Very little can be done if you wait too long. If you wait until 30 days or less prior to a Foreclosure Sale, your options are significantly reduced!!! 

CALENDAR DESCRIPTION Start (day 1) Notice Of Default recorded with County Recorder. Within 10 business days Notice of Default is mailed to Borrower at the property address, the address on Deed of Trust and any other addresses known to lender/trustee. Notice is also sent to any parties with a recorded Request for Notice as required under Section 2924 (b) (1). Within 1 month NOD mailed to all entitled parties with an interest in the property (ie, junior lien holders) as required under Section 2924 (b) (1). 3 months from Notice of Default (NOD) recording date Notice of Trustee's Sale is prepared and sent for publication. 25 days prior to Sale Date  Send Notice Of Sale to IRS (if applicable). 20 days prior to Sale Date  Publish Notice of Sale once a week for 20 days in a newspaper of general circulation. (Must run once a week for 3 consecutive weeks).  20 days prior to Sale Date  Post the Notice of Sale on the property itself. Most posting services will photograph the posting location for their records. 20 days prior to Sale Date  Mail Notice of Sale to the Trustor and all other parties to which the NOD was mailed as required under Section 2924 (b) (1). 14 days prior to Sale Date The Notice of Trustee's Sale is recorded in the County Recorder's office. 5 days prior to Sale Date The borrower's right to re-instate expires. On sale Date The property is sold to the highest bidder and that bidder is entitled to immediate possession. If there is no successful bidder, the property reverts to the foreclosing beneficiary/lender. DISCLAIMER: Presentation of this timeline is for general information purposes only and is an approximation.  No information on this page is to be viewed as legal advice or an official description of the non-judicial process. These times are general and are displayed strictly as a service to consumers. They are not intended to be all-inclusive or to cover default situations in other states. Consumers are advised to seek professional legal counsel in any default proceeding.