Foreclosure Timeline in San Diego and the rest of California.

Day 1 – Notice of Default (NOD) gets recorded

Within 10 Days – Notice of Default is mailed

30 Days – Notice of Default is mailed

3 months – Lender can have a sale date set by the Trustee

At least 20 days before sale – Publish, Post and mail notice sale.

25 Days before sale – Notification to IRS if necessary

10 Days after first notification – Send info to beneficiaries

The above is basic non judicial foreclosure timeline for California. Typically a lender waits for a few payments are missed, before commencing the foreclosure process, however there is no guarantee the lender will grant a homeowner extra time.