Behind on Your Mortgage? You Have More Options Than You Think
Received a Notice of Default or worried one may be coming? Talk with a licensed California real estate agent before making any decisions. I’ll explain where you stand, what your options are, and what selling your home could look like. Free, confidential, and no obligation. • Free, Confidential Consultation • Sell As Is, With No Repairs Required • Explore Cash Offers & Traditional Sale Options
Contact Karan Bangar
REALTOR DRE# 02139419 Kevin Roberts, Broker Available 7 days a week - the call costs nothing
Where Are You in the Foreclosure Process?
California’s foreclosure process moves through several stages, and understanding where you are can help you make informed decisions. Bring your notices to our call, and I’ll help you understand exactly where you stand, what comes next, and what options may be available.
1. About 90–120+ Days Late — Missed Payments
Once you begin missing mortgage payments, your lender or servicer will generally begin collection efforts. The earlier you act, the more time you may have to explore your options.
2. Day 0 — Notice of Default Recorded
The Notice of Default officially starts the nonjudicial foreclosure process. California generally provides at least 90 days before the lender can move to the next major foreclosure step.
3. About Day 90+ — Notice of Trustee’s Sale
If the default has not been resolved, a Notice of Trustee’s Sale may be recorded. This notice sets the auction date and generally must provide at least 21 days’ notice before the sale.
4. At Least 21 Days Later — Trustee’s Sale
If the default has not been resolved or another solution has not been reached, the property may be sold at a public auction.
The important part: These timelines can vary depending on the circumstances. Knowing your exact stage and deadlines can help you understand what options may still be available.
Your Options for Selling
The right approach depends on your equity, timeline, property condition, and goals. I’ll help you understand your options and determine the best way to move forward.
1. List It — Traditional Open Market Sale
Selling on the open market may help you achieve the highest possible sale price, especially if you have equity and enough time before your foreclosure deadline. I’ll handle the pricing, marketing, negotiations, and transaction from start to finish.
Best if: You have time to sell and the home is in marketable condition.
2. Sell As Is — Cash Offer
If you need to sell quickly or the home needs significant repairs, I can connect you with buyers in my investor network who may make cash offers. You can sell the home as is without making repairs or preparing it for traditional showings.
Best if: You have a short timeline or the property needs substantial work.
Why Call Me?
I’m a Realtor Who Can Help You Find the Right Buyer If selling as is makes sense for your situation, I can connect you with buyers in my investor network who may be interested in purchasing properties in their current condition. Cash Offers & Flexible Timelines When appropriate, I can help you explore cash offers and faster closing options, including closings that may be possible in as little as 7–14 days. A Licensed California Realtor You’re working directly with a licensed California real estate agent who can explain your options, coordinate the sale, and guide you through the transaction. Not Sure Which Option Fits? You don’t need to have everything figured out before you call. Bring your notice or tell me what you’re dealing with, and I’ll help you understand where you stand and what selling your home could look like. Free. Confidential. No obligation.
Common Questions
Does a Notice of Default Mean I've Already Lost my House?
No. It starts a reinstatement window — generally around 90 days — to cure the default, negotiate with your lender, or sell. It's a deadline, not a final outcome.
Can I Sell if the House Needs Major Repairs?
Yes. My investor network specifically buys homes that need work — no repairs required on your end.
Does It Cost Anything to Talk to You?
No. The consultation is free and confidential, with no obligation to list or sell with me afterward.
Know Your Options Before Time Runs Out
The sooner you understand your timeline, the more time you may have to explore your options. Call for a free, confidential conversation about where you stand, what comes next, and what selling your home could look like. Karan Bangar, Realtor® CA DRE #02139419 Kevin Roberts, Broker
Want Me to Contact You?
Fill out the form and I’ll personally reach out to you to discuss your home and your selling options.
This website is provided for general informational purposes only and is not intended to provide legal, financial, tax, or foreclosure advice. Foreclosure timelines and procedures can vary based on the lender, loan, property, and individual circumstances. If you are facing foreclosure, consider consulting a qualified attorney or HUD approved housing counselor for advice specific to your situation.
Karan Bangar is a licensed California real estate salesperson, DRE #02139419, operating under Kevin Roberts, Broker. Any information regarding potential offers, sale prices, closing dates, or cash buyers is for informational purposes only and is not a guarantee of any specific offer, price, buyer, or closing timeline.