It is a recorded document here in California that is usually filed by your mortgage company because your mortgage payment has not been made. Usually, it is within 3 months of not receiving a payment, but it can vary depending on the mortgage company. Don’t forget that due to COVID we were also seeing forbearance and deferments that may have terms that are now ending,
You are behind in your payments; you received the Notice of Default. What are your next steps?
1. Contact your mortgage company – While it sounds simple, depending on what you are currently going through, it can be emotionally difficult to want to pick up the phone. On the other hand, if you power through the phone conversation, you might find that you have options that you did not know about.
2. Reach out to a lender – Yes, you are behind on your mortgage payments but if your mortgage company cannot offer a workable solution then try, try again. Another lender may have options for you to take advantage of that your current mortgage holder does not make available.
3. Under no circumstances should you lose the equity that you have in your home! If you have no other choice but to be removed from the property because eventually the Notice of Default will turn into the bank taking possession of the property. Filing the NOD is the first step. By deciding to sell your home, that is the first step in feeling like you are gaining some control over what is going on. With the successful sale of your home, hopefully the equity is enough to bring you up to date on other bills, if you owe any, bringing up your credit score and providing you with a bit of savings. Look at that as a goodbye gift from your home or a return on your investment. Up to you.
Now, are mortgage companies the only ones that can file a Notice of Default? Absolutely NOT!
If you are behind on your taxes, the county assessor can file a Notice of Default.
If you have an HOA and are behind on payments to them, the HOA can file a Notice of Default too.
Even if you are paying your primary mortgage but there are other loans filed against your home, they can file for Notice of Default.
Does Bankruptcy spare you from Eviction? Not necessarily. Make sure you speak to your Bankruptcy attorney and are blunt about what your goal is to file the correct bankruptcy.
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The Plaza – Long Beach! Discover this beautiful home that offers the perfect blend of comfort, function, and style. Step inside to an open-concept layout with rich wood floors, recessed lighting, and spacious living & dining areas ideal for entertaining. The modern kitchen features crisp white cabinetry, granite countertops, stainless steel appliances, and a sleek bar shelf with glass storage. The generously sized primary suite has space for a sitting area or home gym, while the separate indoor laundry room adds everyday convenience. The backyard is an entertainer’s dream—covered patio, built-in TV, room for a firepit lounge, and tropical landscaping—perfect for summer BBQs and relaxing under the stars.
Upgrades include: Whole-house water softener, Alkaline water filtration system, Dual-pane windows
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Super desirable neighborhood north of the 210 with a 1/2 acre lot, great schools, low tax rate and close to everything. This high-end remodeled 4 bdrm 3 bath home has been expertly redesigned with a gorgeous kitchen family room combo, the kitchen is upgraded with beautiful quartz counters, large island, separate work station with additional sink, large walk-in pantry, stainless appliances, self closing cabinets & drawers, bright natural light all overlooking the sparkling in ground pool/spa/waterfall. This home has 4 bdrms with 1 bdrm on the ground floor along with a full bath on the ground floor. 3 full baths are fully remodeled with taste and elegance. The large master retreat has a huge bathroom with dual quartz sinks, full length custom mirror, walk-in shower, soaking tub, water closet and walk in closet. The master suite has a large walk out balcony that over looks the pool & landscaping. The 2 additional bdrms upstairs are Jack & Jull with a beautiful bathroom. Enjoy the 3 car garage with high-end back-lit glass panel doors and ample parking on the concrete driveway and space to integrate RV parking. Brand new remodeled pool & spa with pebble tech and waterfalls. 3rd car garage can easily be converted to a large 5th bdrm! ... LOW TAX RATE! ... NO MELLO-ROOS
I have sold a property at 2923 Hathaway Court in Signal Hill on Jun 10, 2025. See details here
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I have sold a property at 1338 Azusa Avenue N in Azusa on May 28, 2025. See details here
Welcome to this beautifully maintained home nestled in Azusa. Boasting approximately 1,240 square feet of comfortable living space, this charming 3-bedroom, 2-bath home offers the perfect blend of classic character and modern convenience. Step inside to find a light-filled living area with wood flooring and a seamless layout ideal for both relaxing and entertaining. The spacious kitchen features ample cabinetry, tile countertops, and a cozy in kitchen dining area that makes everyday meals feel special. Enjoy the added convenience of an interior laundry room and a detached 2-car garage with generous parking and storage. Out back, you'll discover a peaceful retreat with mature avocado and lemon trees, a cement and brick patio, and an open view of the majestic San Gabriel Mountains—perfect for morning coffee, weekend BBQs, or quiet evenings under the stars. Located close to schools, parks, shopping, and major freeways, this move-in ready gem is a fantastic opportunity for homeowners and investors alike.
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Welcome to this beautiful Spanish-style home in the heart of San Dimas. The main characters for the original Spanish-style house have been preserved. This includes the charming decorative fireplace in the living room, the big Spanish arched windows, and arched entryways. The floors in the entire house have been updated with allergy-free materials varying from laminates to porcelain tiles. The open-floor concept kitchen has been reconfigured to contain more kitchen cabinets, overhang countertop perfect for entertaining, with keeping the eclectic mid-century charm in mind. The kitchen comes equipped with a stove, microwave, and dishwasher. The master bedroom is specious with 2 big closets, a private office space, and luxurious en-suite. The outdoor has been also upgraded with active lifestyle in mind and easy-to-maintain landscape. A Pergola to provide shade and ideal place for outdoor entertaining ready to plug in your big screen TV. The house is centrally located near the 210 Freeway, Costco, Sam's Club and other shopping centers. This 3-bedroom, 2-bathroom house is ready for you to call home. Sellers are motivated!
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Nestled in a peaceful cul-de-sac near Turnbull Canyon MTB Trail, Elderberry Trail, and Hellman Park Trailhead, this beautifully maintained 2-bedroom, 1-bathroom home offers both comfort and convenience. The inviting interior is filled with natural light, creating a warm and welcoming atmosphere. A built-in hutch in the dining area adds a touch of character and practicality. A recent earthquake retrofit enhances the home’s structural integrity, providing added peace of mind. 2020 Gas line was replaced and 2021 the exterior was painted. The generous sized tiered lot offers endless possibilities for outdoor enjoyment, gardening or future expansion, while the detached two-car garage provides added convenience of an EV Charger, ample storage and parking. Enjoy the perfect blend of tranquility and accessibility, with nearby trails, shopping, dining, and top-rated schools just minutes away. Don't miss this incredible opportunity to own a home in one of Whittier’s most desirable neighborhoods!
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Wonderful opportunity to build the home of your dreams in North Glendora. This level lot has utility connections and sewer can be connected with the city.
