California Foreclosure Law Center

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In California, most foreclosures are nonjudical meaning they don't go through court. If you are facing a nonjudicial foreclosure in California, it's important to know what types of notices you'll receive, what deadlines you have to reinstate the mortgage or redeem your home, and more.

California has also passed several new laws that protect homeowners facing foreclosure, and that help struggling homeowners to avoid foreclosure. For example, California received money from the federal Hardest Hit Fund, and has implemented several programs using that money.

Below you find specific laws that apply to foreclosure in California, articles on various programs to help you avoid foreclosure, and the latest legal developments in California foreclosure law.

Summary of California Foreclosure Law

Summary of California Foreclosure Law
Learn about the key features of foreclosure in California.
California Foreclosure Laws and Procedures
Learn about the foreclosure process in California, including what notices you must get, the steps your lender must follow, and the time period associated with these procedures.

Articles on Foreclosure in California

California Laws That Encourage Foreclosure Alternatives
California laws, including the new Homeowner Bill of Rights, make it easier for homeowners to explore alternatives to foreclosure.
California Foreclosure Protection: The Homeowner Bill of Rights
The new California Homeowners Bill of Rights helps protect homeowners in foreclosure from lender abuses.
How the California Homeowner's Bill of Rights Is Affecting Foreclosures
It's no coincidence that the foreclosure rate in California has dropped significantly since the Homeowner's Bill of Rights went into effect in January, 2013.
Deficiency Judgments After Foreclosure in California
In most residential foreclosures in California, the lender cannot pursue the homeowner for a deficiency. But not always.
The Underwater Mortgage Problem: A Solution in California?
San Bernardino county, Ontario, and Fontana have proposed a way to help underwater homeowners.
The California Security First Rule & Foreclosure
Under California's security first rule, most mortgage lenders must foreclose on your home rather than sue you in court on the promissory note.
California Timeshare Foreclosure and Right to Cancel Laws
Learn about California timeshare foreclosure laws, right to cancel laws, and other timeshare contract laws.
The California One-Action Rule & Foreclosure
Learn about California's one action rule -- it protects you from first mortgage lender lawsuits after a foreclosure.

Keep Your Home California Programs

Keep Your Home California Program: An Overview
The Keep Your Home California programs assist low to moderate-income homeowners in keeping their homes or getting funds to relocate.
Free Counseling in California for Struggling Homeowners
If you are facing foreclosure in California, you can get free help from a HUD-approved housing counselor.
California Mortgage Assistance If You Are Unemployed
If you are unemployed and struggling to pay your mortgage, you may qualify for help under California's Unemployment Mortgage Assistance Program.
California Relocation Assistance for Struggling Homeowners
California's Transition Assistance Program (TAP) provides a one-time payment to help eligible homeowners relocate into new housing after completing a short sale or deed in lieu of foreclosure.
California Mortgage Principal Reduction Program
With California's Principal Reduction Program, you may be able to reduce the principal balance of your mortgage. Find out how it works and whether you qualify.
California Mortgage Reinstatement Assistance
If you have fallen behind on your mortgage payments because of a financial hardship, California's Mortgage Reinstatement Assistance Program can provide help in bringing your loan current in one lump sum payment.

Q&As on Foreclosures and Short Sales in California

Can the Lender Sue Me After the Short Sale of My Home in California?
In most cases, your lender cannot get a deficiency judgment against you after a short sale in California.