Harold Sharpe

What Is A Notice Of Default Harold Sharpe

(951) 821-8211

Harold Sharpe is the owner of
So Cal Homes Realty.

Harold Sharpe is a
Licensed Real Estate Agent,
since 2001.

Harold Sharpe is a
Licensed Real Estate Broker,
since 2005.

Harold Sharpe specializes in
Selling Houses, and
Finding homes for people.

So Cal Homes Realty is the
Real Estate Brokerage
to assist you in Buying
or Selling a House.

Feel Free to call Harold at
(951) 821-8211

DRE LIC #01312992

Monday - Sunday 9am - Dusk

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What is a Notice of Default?

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What Is A Notice Of Default?

A Notice of Default is a filing to the county, and a delivery to the borrower
by a lien holder that the start of the foreclosure process is imminent.

A Notice of Default is the first stage of the foreclosure process.

You need to know your rights and what to expect.

Here in California, the foreclosure process takes 111 days from the day of the filing of the notice of default.
What this means to you, is the clock is ticking. This is not the time to wait and see. That time is gone. You should have already tried to do a "loan modification." If you haven't, do it now! Do not wait. You may want to try other alternatives at the same time such as a short sale.
Consult a Real Estate Attorney and Financial Advisor.

You would be amazed how many people leave their home within the first week
of being delivered a notice of default.
You don't have to and you probably shouldn't.

You still own the home. You should take great care of the home until the home has transferred title. You can verify this at the county recorders office.
It is free if you go there.

You would be amazed at how many people destroy their home prior to leaving.
This is as foolish as it gets. If you don't think out of work attorneys and their staff will not come looking for you on behalf of the banks years down the road, you are mistaken.

When you do leave your home you will have a fresh start. You will earn money and you will get ahead.
Don't destroy your future by making foolish mistakes now.

Stop the foreclosure!
You have 106 days from the day of filing to get something done. FYI the banks don't do anything in a day. It takes banks weeks or months to move a file anywhere. Communicate with the bank and make sure any and all deals they make with you are in writing. Verbal's are worthless. The banks will email you. Keep in mind banks have on many occasion go back on their word. You should strongly consider short selling your home. You need to start to do this at least 40 days prior to the end of your 111 days. The best time to start a short sale is just before they file a notice of default. If you can start the short sale listing as soon as you know you will not be making payments. Many times a house listed for sale at a reasonable price with price drops, shows the bank a sign of trying to short sell and the banks may delay the filing a notice of default.
This may give you more time in your home. It is like Free rent.

Plan an exit strategy!
Quite often the banks will still foreclose on a home even after a "temporary loan modification" or during a short sale. It is sudden and it is very frustrating. You need to know where you are going to go and you will more than likely have a short period of time to go.

After the 111 days if the bank does a trustee sale, once recorded,
the house is no longer yours. It is time to move out now.


The aforementioned is meant to serve as a guide to most people in most situations. Everyone's situation is different and you should get legal and
financial advice from qualified people. It is beneficial to get legal and financial advise in all situations from experts in their field.

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