Keep the home
Talk through your mortgage options.
Contact your servicer and a HUD-approved housing counselor. For legal rights, disputed notices or an imminent auction, contact an attorney.
Free mortgage helpCalifornia foreclosure notices, translated into a usable timeline
Read the notice.
Map the clock.
Then choose the path.
A Notice of Default or Notice of Trustee’s Sale is full of names, dates and statutory language. This site helps you identify what the document says, what to verify next, and where a real-estate sale fits alongside servicer, counselor and legal options.
Educational resource maintained by Ari Rubinstein, REALTOR® · CA DRE #01973719 · Equity Union Real Estate (Dream Team Real Estate Consultants Inc.) · DRE #01811831.
NOTICE
What should I find first?
1. Document type2. Recording / sale date3. Trustee4. ServicerUse the recorded notice itself. A later postcard, investor letter or solicitation may look official but is a different document.
Private date tool
Put your notice on a timeline.
Copy the dates from your NOD or Notice of Trustee’s Sale. Get a date count, visible arithmetic and a printable result. Your entries stay in this browser page.
Your dates, in order
Choose your notice type to begin.
How the dates are counted · assumptions and sources
“Today” uses Pacific time. Entered dates are calendar dates, so daylight-saving changes do not add or remove a day. NOD arithmetic uses calendar months, with a disclosed last-day-of-month assumption when necessary. NOD milestones are not shifted to business days and are not an actual sale schedule.
The five-workday result is an office-planning reference, not a statutory deadline. It counts backward before the sale date, skipping Saturdays, Sundays and the closures below. Civil Code §9 can count Saturdays and has special rules for bank holidays. Newly proclaimed holidays, partial-day closures and the trustee’s actual receiving hours are not determined by this tool. Obtain a confirmed deadline and receiving instructions.
The planning calendar is reviewed for sale dates in 2026. Other years still get a sale-date count, but no five-workday date. Good Friday is excluded for a full day as a planning allowance; the statute specifies noon to 3 p.m. July 3, November 9 and the Friday after Thanksgiving are also planning allowances.
Sources: §2924 · Civil Code §9 · Government Code §6700 · §2924f conditions. Reviewed September 15, 2026 (Pacific).
Choose your next step
What are you trying to decide?
The date is one part of the decision. Choose the help that matches your goal. Your calculator entries are not attached to these links.
No tool here stops a sale, submits anything to a trustee or determines which legal rights apply. Outside Ari’s service area, the free official resources remain available; no local-agent referral or statewide representation is promised.
The three questions
Most notices become clearer when you separate the players, the clock and the decision.
01 · Players
Who is the trustee?
The trustee conducts the nonjudicial foreclosure process. The mortgage servicer is the company handling the loan. They can be different entities.
02 · Clock
Which date actually matters?
An NOD starts one stage of the process. An NOS identifies a scheduled sale. Do not rely on a solicitation’s deadline when the recorded notice gives the operative date.
03 · Decision
Keep, cure, modify, sell—or get advice?
A market sale is only one path. CFPB also identifies repayment, forbearance, modification, short sale and deed-in-lieu as possible loss-mitigation paths depending on the loan and facts.
Understand the sequence
A useful California timeline is a sequence, not a slogan.
1
Delinquency / servicer contact
For many mortgages, the first foreclosure notice or filing generally cannot begin until the borrower is more than 120 days delinquent. Scope and exceptions matter. Read CFPB’s guidance.
2
Notice of Default
Recording the NOD formally advances a California nonjudicial foreclosure. The law uses a three-calendar-month period, with a limited early-recording provision for the sale notice. The tool shows these as separate reference dates.
3
Notice of Trustee’s Sale
The sale notice states the scheduled auction. California notice and publication requirements apply before the sale.
4
Conditional sale-postponement provisions
For qualifying residential 1–4 unit property, Civil Code §2924f includes one-time 45-day postponement provisions tied to timely delivery of a qualifying listing agreement and, after that postponement, a qualifying purchase agreement.
Trustee pages
Find the trustee named on your notice.
Use the official portal and contact route for the company printed on your notice. These independent guides explain the differences between Quality Loan’s borrower portal and Clear Recon’s California sale listings.
Trustee guide
Quality Loan Service Corporation
Find the borrower portal, its re-registration notice and the separate Home Retention contact.
Trustee guide
Clear Recon Corp
Find the California listing route, its sale-status limitations and the distinction between post-sale bid instructions and listing-agreement delivery.
Official help first
Start with help that fits your goal.
Mortgage servicer
If keeping the home is the goal, CFPB says to contact the servicer promptly and ask about loss-mitigation options.
HUD-approved counselor
Foreclosure-prevention counseling from a HUD-approved agency is free. A counselor can help you understand available options.
Attorney
If a sale is imminent, documents are disputed, or you need to know whether a statute applies, obtain legal advice. This site cannot make that determination.