Facing Foreclosure?
Protect Your Equity
Foreclosure does not have to mean losing everything. California's new AB 2424 law gives you time and legal rights to sell on your terms and keep the equity you have built, instead of losing it at auction. Let's talk, confidentially and with no pressure.
A Way Forward When It Matters Most
Speed When Timing Matters
Foreclosure moves on a strict clock. We act fast, hit every AB 2424 deadline, and never let a missed date cost you your home.
Maximum Value, Not a Fire Sale
An open market sale almost always beats an auction. We market your home to protect every dollar of equity you have built.
We Manage the AB 2424 Timeline
Listing agreements, purchase agreements, and trustee notices all have exact deadlines. We handle the paperwork so nothing slips.
Compassion and Discretion
This is stressful and personal. We treat your situation with patience, respect, and complete confidentiality at every step.
Your New Rights Under AB 2424
Effective January 1, 2025, AB 2424 changed the rules of foreclosure for California homes with up to four units. For the first time, the law gives homeowners real time to sell before the auction and real protection for their equity. Here is how it works.
List your home, gain 45 days
Deliver a valid listing agreement with a licensed broker to the trustee at least 5 business days before the sale, and the foreclosure must be postponed at least 45 days.
Accept an offer, gain 45 more days
Once your home is listed, delivering a bona fide purchase agreement at least 5 business days out postpones the sale at least another 45 days. That is roughly 90 days total to close.
67 percent minimum bid protection
At the first trustee's sale, no bid below 67 percent of your home's fair market value can be accepted, guarding the equity that rightfully belongs to you.
You Do Not Have to Face This Alone
AB 2424 also lets you name a trusted third party, such as a HUD certified housing counselor, an attorney, or a family member, to receive copies of your Notice of Default and Notice of Sale. That means someone in your corner sees every deadline the moment it lands, so nothing is missed.
Please note: This page is general information, not legal advice. Foreclosure deadlines are strict and every situation is different. The best time to act is now, so reach out early and we will help you understand your specific options.
How We Help You Protect Your Equity
A clear, six step path from your first call to a closed sale, built to move fast and keep every AB 2424 deadline so your equity stays yours.
Confidential Consultation
We start with a calm, private conversation to understand your timeline, your loan, and your goals. No judgment and no pressure, just clear guidance when you need it most.
Fast Equity Valuation
We quickly assess your home's value and estimate the equity you stand to protect, so you know exactly what is at stake before any sale date arrives.
Review Your Options
Sell before the auction, short sale, loan modification, or a cash offer. We lay out every path clearly and help you choose the one that fits your situation.
List and Trigger AB 2424
When selling is the right move, we list your home and deliver the paperwork to the trustee on time to secure your 45 day postponement, then guide the AB 2424 timeline start to finish.
Market to Qualified Buyers
Professional photography, targeted campaigns, and our network of ready buyers create urgency and competition, so your home sells quickly and for the strongest possible price.
Close and Recover Your Equity
We manage the closing, coordinate with your lender's payoff, and put the equity you protected back where it belongs, in your pocket and your family's future.
Find out how much equity you could protect
A free equity estimate takes one short call. No pressure, no obligation, fully confidential.
Know Where You Stand, Know Your Options
A quick, plain English overview of the process and the choices in front of you. When you are ready for specifics, we are one call away.
The California Foreclosure Timeline
It typically starts with a Notice of Default, followed roughly three months later by a Notice of Sale, which sets an auction date at least 21 days out. Knowing where you are on that timeline tells you how much time you have to act.
Your Rights Under AB 2424
Effective January 1, 2025, AB 2424 lets you postpone the sale by listing and again by accepting an offer, protects your equity with a 67 percent minimum bid, and lets a counselor, attorney, or family member receive your notices on your behalf.
Your Options
Sell before the auction to protect your equity, pursue a short sale if you owe more than the home is worth, explore a loan modification with your lender, or take a fast cash offer. We help you compare them honestly.
Foreclosure Answers You Can Trust
Straight answers about AB 2424, your equity, and your options, so you can make a confident decision.
Yes. Under California AB 2424, if you deliver a valid listing agreement with a licensed real estate broker to the foreclosure trustee at least 5 business days before the scheduled sale, the trustee is required to postpone the sale by at least 45 days. That is time you can use to sell on your terms.
Listing your home can trigger a postponement of at least 45 days. If you then deliver a bona fide purchase agreement at least 5 business days before the new sale date, the sale must be postponed at least another 45 days. Combined, that is roughly 90 days to close a sale and keep your equity instead of losing the home at auction.
AB 2424 added a protection here too. At the first trustee's sale, the trustee cannot accept a bid below 67 percent of the property's fair market value. Even so, selling on the open market before the auction almost always recovers more of your equity than a forced sale. Our goal is to help you capture that value before the sale date.
Absolutely, and earlier is always better. The sooner we talk, the more options you have. We can review your situation, estimate your equity, and build a plan well before any auction date is set. There is no cost and no obligation for the conversation.
You are never pushed into anything. Selling to protect your equity is one path. Depending on your situation we can also point you toward a loan modification, a short sale, a cash offer, or a HUD certified housing counselor. We help you understand every option and choose what is right for you and your family.
A completed foreclosure is one of the most damaging marks on a credit report and can affect you for years. Selling your home before the auction avoids that outcome, protects your equity, and gives you a cleaner path to your next chapter.
Request a Confidential Consultation
Tell us a little about your situation. Whether an auction date is set or you are just getting concerned, the sooner we talk, the more we can do. Always complimentary, always confidential.
Time Sensitive Help
We respond quickly because foreclosure deadlines do not wait. Evenings and weekends included.
No Pressure, No Obligation
We are here to give you clarity and options, not to push you into a decision.
We Handle the Details
From AB 2424 paperwork to lender payoff coordination, we manage the moving pieces for you.
Request a Consultation
Share your situation and we will reach out the same day.
There Is Still Time Let's Protect It
Call us directly for a confidential conversation about your home and your options. The earlier we start, the more of your equity we can protect.