Foreclosure Lending
Keep Your Home. We Have a Way Through.
California Realty's specialized lending team has helped hundreds of Southern California homeowners stop foreclosure, buy time, and rebuild. You don't have to face this alone.
Foreclosure Doesn't Have to Be the End
Receiving a Notice of Default or Trustee Sale date is terrifying — but it is not the end of the road. California law gives homeowners more options than most people realize, and our lending specialists know every one of them.
We work directly with homeowners — not banks, not servicers — to find the fastest, most effective path to keeping your home or exiting on your terms.
Lending Programs
Our Lending Programs
Every situation is different. We offer a range of programs designed specifically for homeowners in distress.
Bridge Loans
Short-term funding to immediately cure your default, stop the foreclosure clock, and give you breathing room to refinance or sell on your timeline.
- Funds in 24–72 hours
- No prepayment penalty
- Credit score flexible
- Amounts from $50K–$5M
Hard Money Refinance
Asset-based refinancing that focuses on your property's equity — not your credit score. Ideal for homeowners who've been turned down by traditional lenders.
- Up to 65% LTV
- 12–24 month terms
- Interest-only options
- Fast close in 5–10 days
Loan Modification Assistance ( call your servicer provider direcctly)
We negotiate directly with your lender to restructure your existing loan — reducing your payment, extending your term, or reducing principal.
- Direct lender negotiation
- No upfront fees
- Works with most servicers
- Permanent payment relief
Forbearance Negotiation (Call your servicer provider direcctly)
We work with your servicer to pause or reduce payments temporarily while you get back on your feet — without triggering further default.
- 3–12 month pause options
- No credit impact during period
- Structured repayment plan
- Lender-approved process
Equity Buyout
If you have equity in your home, we can structure a buyout that pays off your debt, stops the foreclosure, and puts cash in your pocket — fast.
- Close in 7–14 days
- No repairs required
- No agent commissions
- Walk away debt-free
Short Sale Facilitation
When keeping the home isn't the goal, we negotiate with your lender to approve a short sale — protecting your credit and avoiding a foreclosure on your record.
- Lender approval negotiated
- Deficiency waiver pursued
- Full-service listing included
- Credit protection strategy
Our Process
How It Works
From first call to funded — our process is fast, transparent, and built around your timeline.
Free Consultation
Call or submit your information. A specialist reviews your situation — foreclosure timeline, equity position, and goals — within the hour.
Program Match
We identify the best lending program or strategy for your specific situation and present your options clearly, with no pressure.
Fast Approval
Our asset-based underwriting moves quickly. Most approvals happen within 24 hours — no lengthy bank review process.
Funds Released
Once approved, funds are wired directly to cure your default or pay off your lender. The foreclosure stops immediately.
Eligibility
Who Qualifies
Our programs are designed for situations traditional lenders won't touch.
- Received a Notice of Default (NOD)
- Trustee Sale date already scheduled
- Behind on mortgage payments (1–12+ months)
- Low credit score or recent bankruptcy
- Self-employed or non-traditional income
- Property in any condition
- Primary residence, rental, or investment property
- Located anywhere in Southern California
"The primary qualification is equity in your property. If you have equity, we almost certainly have a solution."
FAQ
Common Questions
Free Consultation
Get Your Free Consultation
Tell us about your situation. A specialist will contact you within the hour — confidential, no obligation.
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