How much time do I have after receiving a Notice of Default in California?

In California, a Notice of Default begins a 90-day reinstatement period before a Notice of Trustee Sale may be recorded. After that, a sale date can be scheduled after 21 days.

Can you lend on owner-occupied homes?

Yes, we are one of the few private lending companies that provides equity-based funding solutions on owner-occupied residential properties in California,

What types of solutions do you offer?

Depending on your equity and situation, options may include:

• Bridge loans to stop foreclosure and create time to sell
• Cash-out refinance options
• Short-term equity-based loans
• Real estate sale support to maximize market value

*Every file is reviewed individually.

Will this stop my foreclosure?

In many cases, if sufficient equity exists and funding is approved before the trustee sale date, foreclosure can be stopped through reinstatement or payoff.

Timing and qualification matter. The earlier we review your situation, the more flexibility you may have.

What do you look at to qualify?

We primarily evaluate:

• Property value
• Existing loan balance
• Equity position
• Timeline to trustee sale
• Ability to service a loan
• Exit strategy

Traditional income documentation is not required in the same way a traditional bank requires.

Is this a legitimate solution?

Yes. First Security Mortgage has been helping clients since 1972.

• We are not asking you to transfer ownership.
• We are not asking you to sign over your deed.
• We do not pressure homeowners to sell below market value.

We provide structured, equity-based lending solutions and, when appropriate, licensed real estate services to help homeowners exit strategically.

Is there a cost for a consultation?

Initial reviews are confidential and without obligation. We will assess your situation and outline realistic options before you make any decisions.