Receiving a Notice of Default (NOD) can feel like the ground shifts beneath your feet. Even though this document is issued in San Diego, many Riverside County homeowners face the same fears, questions, and uncertainty when they fall behind on payments. If you’ve received an NOD—or think one may be coming—understanding what happens next can help you breathe again and take back control.
This guide breaks down the process in simple terms, offers a faith‑driven perspective, and shows you the options available before things escalate.
1. The Notice of Default Starts the Pre‑Foreclosure Timeline
In California, a Notice of Default is the official beginning of pre‑foreclosure. It means the lender has recorded the missed payments with the county and intends to move forward if the debt isn’t resolved.
Here’s what the NOD includes:
- The amount you’re behind
- The lender’s contact information
- Your right to bring the loan current
- A warning that foreclosure may follow
While it’s serious, it’s not the end. You still have time—and options.
2. You Enter a 90‑Day Reinstatement Period
After the NOD is filed, California law gives homeowners 90 days to “reinstate” the loan. This means you can:
- Catch up on missed payments
- Work out a repayment plan
- Request a loan modification
- Explore forbearance or hardship options
Many homeowners feel embarrassed or overwhelmed during this stage, but reaching out to your lender early can make a big difference. Avoiding communication only limits your choices.
3. The Notice of Trustee’s Sale Comes Next
If the loan isn’t brought current during the 90‑day period, the lender can issue a Notice of Trustee’s Sale (NOTS). This document:
- Sets an auction date
- Must be posted on the property
- Must be mailed to the homeowner
- Must be published in a local newspaper
This is the point where time becomes limited. The sale date is typically set at least 20 days after the NOTS is recorded.
4. The Home May Be Sold at Auction
If no action is taken, the property can be sold at a public auction. Investors, banks, and individuals may bid on the home. If it doesn’t sell, ownership transfers back to the lender.
But here’s the key: Most homeowners still have options before the auction happens. This is where working with a compassionate, local investor can make all the difference.
5. You Still Have Options—Even After the NOD
Many homeowners believe the NOD means they’re out of time. That’s simply not true. You may still be able to:
- Sell the home before foreclosure
- Avoid damage to your credit
- Protect your equity
- Sell the home as‑is (no repairs needed)
- Choose your move‑out timeline
- Stop the foreclosure entirely
A direct sale to a local, faith‑driven investor can often be completed in days—not months—giving you relief and a fresh start.
For more information on the foreclosure process, you can visit:
- California Courts – Foreclosure Basics
- San Diego County Recorder’s Office (arcc.sdcounty.ca.gov in Bing)
A Faith‑Guided Perspective: You’re Not Alone
A Notice of Default can stir up fear, shame, and uncertainty. But Scripture reminds us that “God is our refuge and strength, an ever‑present help in trouble.” You are not defined by your circumstances, and you don’t have to walk this road alone.
At Bereishis Corp, we believe in serving homeowners with honesty, compassion, and integrity. Our goal is to help you understand your options—not pressure you into a decision.
Need Clarity? Let’s Talk.
If you’ve received a Notice of Default—or think one may be coming—now is the time to explore your options. You deserve support, clarity, and a path forward that protects your peace.
Contact Bereishis Corp today for a confidential, pressure‑free conversation. Let’s walk through this together and find the solution that brings you relief and hope.