Facing a Notice of Default?

Understand Your Options Before Making Any Decisions.

A Notice of Default does not mean foreclosure is immediate.
In many cases, homeowners still have time and choices — but timing matters.

If you’ve recently received or discovered a Notice of Default on your property, it’s normal to feel overwhelmed or uncertain about what happens next.

What’s important to know is this:

  • A Notice of Default is the start of the foreclosure process — not the end

  • Foreclosure in California happens in stages, not overnight

  • Early decisions (or inaction) can significantly affect what options remain later

Every situation is different. Online advice is often incomplete or misleading because it doesn’t account for timing, lender behavior, or local procedures.

 

Common Options

Depending on the circumstances, homeowners in pre-foreclosure may consider a range of options, including:

  • Taking no action and allowing the process to move forward

  • Working directly with the lender to explore alternatives

  • Selling the property to preserve equity and avoid foreclosure

  • Coordinating timing extensions or postponements where applicable

  • Consulting legal or financial professionals for additional guidance

There is no single “right” solution. The best option depends on the stage of the process, the loan details, and your personal priorities.

 

How Can I Help?

I’m a California-licensed real estate professional with experience helping homeowners navigate pre-foreclosure situations.

In appropriate cases, I’ve worked directly with lenders and trustees to:

  • Clarify foreclosure timelines

  • Coordinate postponements or extensions when possible

  • Guide property sales that created additional time and preserved equity

My role is not to pressure you into selling. It’s to help you understand where you are in the process, what deadlines actually matter, and what options may still exist.

WHAT THIS IS — AND ISN’T

This is:

  • A confidential, no-pressure review

  • A conversation about timing and options

  • An opportunity to get clarity before making decisions

This is not:

  • Legal advice

  • A guarantee of any outcome

  • An obligation to sell

 

Request a Confidential Review

If you’d like a clear, straightforward review of your situation, you can request a confidential conversation below.

You are under no obligation to move forward with anything.

All inquiries are confidential.

I am a California-licensed real estate professional. I am not an attorney and do not provide legal or financial advice. Outcomes vary based on lender, trustee, timing, and individual circumstances. There is no obligation to sell.

Ian Chandler
California Real Estate Broker Associate
Home and ranch Sotheby’s International Realty
DRE # 01955407
805.769.4144