CALIFORNIA'S PREFERRED FORECLOSURE DEFENSE
A Solution for Every Scenario
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Restraining Orders*
Forbearance Agreements
Reinstatement Plans
Extended Terms
Interest Rate Reductions
Loan Modification Decline Appeals
Sale Date Postponement
Bankruptcy*
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SUCCESS IN NOT AN ACCIDENT
It's the outcome of preparation, hard work, and perseverance
Our list of happy southern California homeowners continues to grow each and every day!
EXPERIENCE YOU CAN TRUST
Our team of professionals have decades of combined experience in the southern California market. Together we have helped thousands of homeowners stay in their properties and avoid foreclosure.
We know homeowners face a variety of options which can be both stressful and confusing. We also know choosing the wrong option can have life changing consequences. That's why we always begin with a free no cost, no obligation appointment to explain all your options in a transparent, easy to understand manner. We know an educated consumer will always choose us!
"Honesty is the best policy. If I lose mine honor, I lose myself."
-William Shakespear
CALIFORNIA'S FORECLOSURE TIMELINE
In California, lenders typically foreclose on deeds of trust or mortgages using a nonjudicial foreclosure process. The California foreclosure process can last up to 200 days or longer. Day 1 begins when a payment is missed , at which point you are technically behind on your loan. Your loan is officially in default once you are 90 days behind and your lender files a notice of default. After 180 days, you’ll receive a notice of trustee sale if you have failed to bring your account current. About 21 days later, your bank can auction the property at the courthouse.
Day 1 starts wehn you miss your first payment to your lender.
Your lender files a Notice of Default with the court.
Once you’ve received a Notice of Default, you have 3 months in which to attempt to get your loan current.
Your home will be auctioned at the courthouse to the highest bidder.
CALIFORNIA'S FORECLOSURE TIMELINE
In California, lenders typically foreclose on deeds of trust or mortgages using a nonjudicial foreclosure process. The California foreclosure process can last up to 200 days or longer. Day 1 begins when a payment is missed, at which point you are technically behind on your loan. Your loan is officially in default once you are 90 days behind and your lender files a notice of default. After 180 days, you’ll receive a notice of trustee sale if you have failed to bring your account current. About 21 days later, your bank can auction the property at the courthouse.
Your lender files a Notice of Default with the court announcing how much you are behind.
Your home will be auctioned at the courthouse to the highest bidder.
Day 1 starts when you miss your first payment to your lender.
Once you’ve received a Notice of Default, you have 3 months in which to attempt to bring the entire past due amount current.
LENDERS WE WORK WITH
Relationships matter. Over the years we have developed relationships with a wide variety of lenders. When you choose to work with Keep Your Keys, you get the ability to leverage our contacts, lender experience, escalation strategies, and proven techniques. Simply put, our relationships and experience can not be replicated. Just some of the lenders we have existing relationships with are shown below.
Accubanc
Aegis
American Advisors
American Brokers
American Mortgage
American Savings
America's Wholesale
Ameriquest
Argent
Bank of America
Beneficial
BNC
Cal Fed
Carrington
Chase
Clearwater
Countrywide
Downey Savings
Encore
Equifirst
Essex
Fieldstone
Financial Freedom
First Capital
First Magnus
Flagstar
Fremont Investment
First Franklin
First Magnus
Fremont
Full Spectrum
Great Western
Greenpoint
Home Capital
Homecomings
Household Finance
iMortgage
Impac
Indymac
IRes
JP Morgan
JMAC
Lehman Brothers
Liverty
Live Well Financial
Loan Care
Loan Depot
Logix
Long Beach Mortgage
Metlife
Motive
Mr. Cooper
National City Mortgage
Nations Direct
New Century
Norwest
Ocwen
Ohio Savings
Option One
Ownit Mortgage
Pacific Union Financial
Paramount Residential
PHH Mortgage
PMAC Lending
PMC Bancorp
PNC
Provident Funding
Quality Mortgage
Quicken
Quick Loan Funding
Royal Credit
Seattle Mortgage
Security National
Select Portfolio Servicing
Shellpoint
Sierra Pacific
Stearns Lending
Sunwest Mortgage
Taylor, Bean, & Whitaker
TLP
Trust One
Union FSB
United Financial Mortage
US Bank
Wachovia
Washington Mutual
Wells Fargo
Wescom
Wilmington
WMC Mortgage
World Savings
Ready to explore the benefits of home auctions?
Visit: jenkinsrealestateauctions.com to learn more and to request more information.
Terry Jenkins - Realtor / Auctioneer
Century 21® Select Real Estate - DRE# 02096855
CREA - Certified Real Estate Auctioneer®
Jenkins Real Estate Auctions LLC - Formed In CALIFORNIA
Entity No. 202358616912
Registered: State of California Secretary of State
Surety Bond Auctioneer/Auction Company / Bond Number 387770D
Professional Affiliations
CREA® Certified Real Estate Auctioneer
2022 Masters Club Member
C.A.R. Luxury Property Marketing Certified
Luxury Home Certified
REO Agent - Distressed Property Expert
Member of:
National Association of Realtors,
California Association of Realtors,
Placer County Association of Realtors,
CREA - Certified Real Estate Auctioneer® - 2023
CREI - Certified Real Estate Investor Certification – 2023
CLP - Certified Listing Professional – 2023
New Home Construction Specialist Certification 2024
Disclaimer: This material is provided for information purposes only and is not to be construed as financial, investment or tax advice. Readers are strongly advised to consult with their professional advisors regarding the information herein.
The information and notices contained on this website are intended as general research and information and are expressly not intended, and should not be regarded, as financial or legal advice. We attempt to ensure that the material contained on the web-site is accurate and complete at the date first published, however you should recognize that information contained on this web-site may become out of date over time. Readers who have particular real estate financing or foreclosure challenge, or who believe they require legal counsel, should seek the advice from their personal attorney. By submitting this contact request, you are consenting to be contacted by; real estate agents, attorneys, mortgage relief advocates or loan modification services in and out of our network by telephone or email, even if you have previously listed yourself on any state or federal Do-Not-Call List. Please note that our company may or may not receive compensation for that introduction.
IMPORTANT NOTICE: Pre-ForeclosureHelp.com is not a mortgage relief service and only offer information for review, mortgage lenders, a lawyer referral service or a law firm and the information contained herein is not legal advice. Using Pre-ForeclosureHelp.com does not create an attorney-client relationship between any attorneys in our network. Pre-ForeclosureHelp.com is not a government sponsored website or program and is not approved by your lender. To access information on government sponsored assistance, please visit https://www.hud.gov/. This website is a state or local government website. Pre-ForeclosureHelp.com matches consumers with: real estate agents, lenders, attorneys, advocates or services in our network that may offer foreclosure help, mortgage relief or loan modification services. No particular result is guaranteed by engaging with partners in our network and lenders may not agree to change a consumer’s loan by using their services. There is no guarantee that you may qualify for a loan modification or prevent the foreclosure process. Pre-ForeclosureHelp.com does not charge any up front fees.
