In California, lenders may foreclose on deeds of trusts or mortgages in default using either a judicial or non-judicial foreclosure process. Non-judicial foreclosures are the most common in California, however, judicial foreclosure is used on a rare occasion. The foreclosure timeline is typically 120 days from the time you miss your first payment until a Notice of Default is issued and then the actual foreclosure date and sale.

For more information on California foreclosure laws and regulations, contact the California Attorney General's office or visit the following website and click on California: http://www.ncsl.org/public/leglinks.cfm