(800) 660-1632
info@keepyourhousecalifornia.org
Why are so many families facing foreclosure?
SOMETIMES WE ALL STRUGGLE
People find themselves in these situations for all kinds of reasons and it is no reflection on their personal worth. Life can be hard. We've helped families get through:
- Job Loss
- Divorce
- Unexpected medical expenses
- Credit card debt
- Investment/market losses
- Unexpected home repais bills
- Unforeseen loan term/rate changes
How Close to Foreclosure Are You?
Foreclosure can be a long and painful process. Knowing how the process works can help you come out of it with your sanity and dignitiy in tact.
Notice of Default
When the bank decides to begin the foreclosure process, it starts by filing a Notice of Default. By now, you've probably tried to negotiate with your bank but they stopped listening and stopped trying to help you.
You have a serious situation going on. Contact us so you know all of your options and can get solutions.
Notice of Trustees Sale
Receiving this notice means the bank has started the clock on the auction of your home. The bank of trustee of your home plans to sell the property in 21 days.
There are ways to stop or stall the process even at this stage. Call us before it is too late.
Auction
The last stage of foreclosure is the auction of your home by your bank or trustee. We don't want to see you get to this point. There is plenty that can be done to keep your home from being auctioned out from underneath you.
Let us talk you through the options, no matter what stage you're in, and help you save your home.
EXPERIENCE YOU CAN TRUST
Our team of professionals have decades of combined experience in the southern California market. Together we have helped thousands of homeowners stay in their properties and avoid foreclosure.
We know homeowners face a variety of options which can be both stressful and confusing. We also know choosing the wrong option can have life changing consequences. That's why we always begin with a free no cost, no obligation appointment to explain all your options in a transparent, easy to understand manner. We know an educated consumer will always choose us!
Honesty is the best policy.
If I lose mine honor, I lose myself.
CALIFORNIA'S FORECLOSURE TIMELINE
In California, lenders typically foreclose on deeds of trust or mortgages using a nonjudicial foreclosure process. The California foreclosure process can last up to 200 days or longer. Day 1 begins when a payment is missed, at which point you are technically behind on your loan. Your loan is officially in default once you are 90 days behind and your lender files a notice of default. After 180 days, you’ll receive a notice of trustee sale if you have failed to bring your account current. About 21 days later, your bank can auction the property at the courthouse.
Notice of Default
Your lender files a Notice of Default with the court announcing how much you are behind.
Notice of Trustee Sale
Once you’ve received a Notice of Default, you have 3 months in which to attempt to bring the entire past due amount current.
WE INVITE YOU FOR A
FREE CONSULTATION
LENDERS WE WORK WITH
Relationships matter. Over the years we have developed relationships with a wide variety of lenders. When you choose to work with Keep Your Keys, you get the ability to leverage our contacts, lender experience, escalation strategies, and proven techniques. Simply put, our relationships and experience can not be replicated. Just some of the lenders we have existing relationships with are shown below.
- Accubanc
- Aegis
- American Advisors
- American Brokers
- American Mortgage
- American Savings
- America's Wholesale
- Ameriquest
- Argent
- Bank of America
- Beneficial
- BNC
- Cal Fed
- Carrington
- Chase
- Clearwater
- Countrywide
- Downey Savings
- Encore
- Ownit Mortgage
- Ohio Savings
- Trust One
- Union FSB
- United Financial Mortage
- Essex
- Fieldstone
- Financial Freedom
- First Capital
- First Magnus
- Flagstar
- Fremont Investment
- First Franklin
- First Magnus
- Fremont
- Full Spectrum
- Great Western
- Greenpoint
- Home Capital
- Homecomings
- Household Finance
- Mortgage
- Impac
- Indymac
- Shellpoint
- Sierra Pacific
- US Bank
- Wachovia
- Washington Mutual
- IRes
- JP Morgan
- JMAC
- Lehman Brothers
- Liverty
- Live Well Financial
- Loan Care
- Loan Depot
- Logix
- Long Beach Mortgage
- Metlife
- Motive
- Mr. Cooper
- National City Mortgage
- Nations Direct
- New Century
- Norwest
- Stearns Lending
- Sunwest Mortgage
- Ocwen
- Wells Fargo
- Wescom
- Wilmington
- Equifirst
- Option One
- Pacific Union Financial
- Paramount Residential
- PHH Mortgage
- PMAC Lending
- PMC Bancorp
- PNC
- Provident Funding
- Quality Mortgage
- Quicken
- Quick Loan Funding
- Royal Credit
- Seattle Mortgage
- Security National
- Select Portfolio Servicing
- Shellpoint
- Sierra Pacific
- Taylor Bean & Whitaker
- TLP
- WMC Mortgage
- World Savings
- Stearns Lending
