INITIATING THE PROCESS

To initiate the Non-Judicial Foreclosure process complete the Declaration of Default by clicking on this link.

In addition to providing the completed Declaration of Default form, forward [via fax 916-788-7447 or email: Kelly@weststateforecdosures.com] a copy of the original Promissory Note and recorded Deed of Trust and, if applicable, copy of recorded Assignment of Deed of Trust. Upon receipt of the completed Declaration of Default and documents we will prepare the Substitution of Trustee for your execution and return. In the meantime, we will prepare the Notice of Default for recordation.

If you have any questions at any time do not hesitate to contact us for immediate assistance.

We have attached the Non-Judicial Foreclosure Timeline process for your review. Please click here.

Services provided:

• Non-judicial Foreclosure services
• Pre-default Letters
• Balloon payment letters
• Deeds-in—Lieu
• Work-out Agreements
• Document preparation
• Recordings
• Reconveyances
• Payoff letters

We handle Deeds of Trust securing:

• Residential
• Commercial
• Mixed Collateral
• Mobile Homes
• Land

NON-JUDICIAL FORECLOSURE TIMELINE

The non-judicial process takes approximately 120 days (barring any operation of law, etc.) and is governed by California Civil Code Section 2924.

DEFAULT PERIOD:

Upon receipt of the duly signed and notarized Substitution of Trustee, completed Declaration of Default and initial deposit the Notice of Default is prepared and forwarded to the title company for recordation.

The "default period" begins upon the recording of the Notice of Default and continues for three calendar months.

Notice of Default is recorded.

10-day and 1-month mailings are completed as directed by the title company.

2 weeks prior to the default period ending an Authorization to Publish is forwarded to the Beneficiary (authorizes the trustee to proceed with the foreclosure, informs the trustee of any additional advances made by the beneficiary and requests additional deposit for costs to be incurred during the "publication/sale" period).

PUBLICATION/SALE PERIOD:

Upon receipt of the Authorization to Publish and additional deposit from the beneficiary a sale date is scheduled, the Notice of Trustee’s Sale is prepared.

The Notice of Trustee’s Sale is sent to the newspaper to be published once a week for three consecutive weeks.

The property and public place is posted with a copy of the Notice of Trustee’s Sale.

The Notice of Trustee’s Sale is mailed as directed by the title company.

The Notice of Trustee’s Sale is recorded.

Authorization to Bid is forwarded to the Beneficiary one week prior to the sale date.

The sale is held as scheduled.