Free Tool · Private · Nothing Is Saved
See where you are on the foreclosure clock.
Enter the date on your notice. We show your estimated timeline — and which choices are likely still open. Nothing you type here is sent or saved.
The date is on the notice itself, near the top. Close is fine — this is an estimate.
If yes, enter the sale date printed on it.
No notice yet? Then you are at the most open stage. Nothing is public. You can catch up with your lender, refinance, or sell quietly on your own clock. If you want to keep the home, call your lender and a HUD-approved housing counselor now.
How this is calculated
California law sets the clock. After a Notice of Default is recorded, at least three months must pass before a sale can be set (Civil Code §2924). The Notice of Trustee's Sale is then posted at least 20 days before the auction (Civil Code §2924f). The right to catch up ends five business days before the sale (Civil Code §2924c). That is at least about 110 days from the first notice to an auction — and it is often longer.
Want the whole picture first? Read the plain-words guide or meet the team behind it. Educational, not legal advice.
Gay-Lynn Chavez, CA DRE #01433767 (eXp Realty of California, Inc.); Louis Chavez, CA DRE #01949822 (eXp Commercial of California, Inc.); Francisco Williams, CA DRE #01979442, NMLS #1858674 (KW Commercial Beverly Hills / Williams Capital Advisors).