California Foreclosure Authority

Non-Judicial Timelines & HBOR Compliance (Updated Feb 2026)

The 111-Day California Foreclosure Clock

Process Stage	Timing	Legal Requirement
Pre-NOD Contact	Day -30	Lender must attempt contact 30 days prior to filing NOD.
Notice of Default (NOD)	Day 1	Recorded in the county. Begins the 90-day waiting period.
Notice of Trustee Sale (NOS)	Day 91	Notice is recorded, posted, and published.
Reinstatement Deadline	Day 106	Right to pay arrears ends 5 business days before sale.
Trustee Auction	Day 111+	The Hammer Falls. No right of redemption exists.

*Per Civil Code § 2924. California timelines are strict but provide a 90-day "quiet period" after the NOD is filed.

Frequently Asked Questions

What is "Dual Tracking" and is it legal in California?

Under the California Homeowner Bill of Rights (HBOR), dual tracking is illegal. This means a lender cannot move forward with a foreclosure sale while your complete loan modification application is still being reviewed. If your lender is violating this, you need immediate legal intervention.

How late can I stop the sale with a Chapter 13 filing?

In California, you can stop the sale up until the minute the Trustee Auction begins. However, because the right to reinstate the loan expires 5 business days before the sale, filing early is critical to saving money on legal and trustee fees.

Does California have a "Right of Redemption"?

No. Like Arizona, California is primarily a non-judicial state. Once the Trustee's Sale is completed at the auction, the sale is final. You do not have the right to buy the house back after the hammer falls. This makes the 60-day "Authority Data" window vital for your defense.