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If there’s already a foreclosure auction date set on your home, it can feel like you’re out of time—but the truth is, you still have options, and you still have control. In California, foreclosure is a process, not a single moment. And until the auction officially takes place, you can still sell your home, protect your equity, and stop foreclosure instantly.

In this video, Jessica breaks down exactly how homeowners can sell before the auction—even when the sale date is just days away.

Understanding Foreclosure Timelines in California

Here’s how the process typically works:

Notice of Default (NOD)

This starts the countdown. Once filed, homeowners get a 90-day window to catch up on payments, request assistance, or sell the home.

Notice of Trustee Sale (NTS)

After the NOD period, the lender can schedule an auction as soon as 21 days later. This part moves quickly—but so can you.

The key takeaway:

You can sell your home right up until the moment the auction happens.
The bank doesn’t want your home—they want the loan paid off. If the sale covers the mortgage balance, fees, and arrears, the auction is canceled.

Fastest Ways to Sell Before a Foreclosure Auction
Traditional Listing (if you still have time)

This can get the highest offer, but it’s only realistic when you still have weeks to work with.

Sell to a Cash Buyer (fastest option)

When time is tight, cash buyers are almost always the best route. Benefits include:

No repairs
No showings
No appraisal delays
No financing issues
Closings in 7–14 days, sometimes faster

A cash sale pays off the loan, cancels the auction immediately, and protects your credit from foreclosure damage.

Short Sale (if you owe more than the home is worth)

You can still sell underwater—but the lender must approve the short sale.
It’s slower than a cash sale, but still better than foreclosure.

Alternatives If Selling Isn’t the Right Move

If selling doesn’t fit your situation, you may still be able to stop the auction through:

Loan modification
Forbearance
Repayment plan
Bankruptcy (temporarily pauses foreclosure through an automatic stay)

Every path has pros and cons, but the key is acting quickly—the closer the auction date, the fewer options remain.

You’re Not Out of Time — You Just Need a Plan

If you’re facing a foreclosure auction, don’t wait. You likely have more time, more equity, and more options than you think.

KEES Homes can help you:

Understand your timeline
Review your equity
Stop foreclosure with a fast, as-is cash sale
Navigate short sales or pre-foreclosure options

You don’t have to go through this alone.

YouTube Chapters
0:00 – Intro: Can You Sell Before a Foreclosure Auction?
0:16 – Understanding California Foreclosure Timelines
0:40 – Notice of Default (Your 90-Day Window)
1:05 – Notice of Trustee Sale (Auction Countdown)
1:32 – How Selling Cancels the Auction
1:50 – Fastest Ways to Sell Before the Auction
2:10 – Cash Buyer Benefits for Foreclosure Situations
2:28 – Short Sale Options for Underwater Homes
2:45 – Alternatives to Selling (Loan Mods, Bankruptcy, etc.)
3:05 – How KEES Homes Can Help You Stop Foreclosure

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