Options after a notice of default

You Have More Options Than You Think.

Doing nothing is the one choice that takes them away. Book a free consultation and see every option on the table.

Free · Confidential · No obligation

Options Narrow as a Sale Date Gets Closer.

A notice of default is the lender's formal notice that the loan is behind and the foreclosure process has started. A notice of sale is the notice that sets a date for the home to be sold at auction.

Every option below takes time to set up, and some have firm cutoffs before a sale. The sooner you look, the more choices you keep.

Six Ways Forward

  1. Catch up on the loan.

    Reinstatement means paying the past-due amount to bring the loan current. We'll help you see what it takes.

  2. Change your loan terms.

    Loan modification help, at no cost. A loan modification is when the lender agrees to change the terms of your loan.

  3. Refinance or use your equity.

    Through First Link Mortgage. See whether a new loan or a HELOC, a line of credit backed by your home's equity, could fit.

  4. Sell on the open market.

    With Link Brokerages. List the home and sell it the traditional way.

  5. Short sale.

    Selling for less than what's owed, with the lender's approval.

  6. Sell as-is, fast.

    Get a non-contingent offer and close in as few as 14 days. Non-contingent means the offer doesn't depend on financing, an inspection, or an appraisal.

You have more options than you think. Doing nothing is the one choice that takes them away.

Three Steps to a Clear Picture

  1. Step 1

    Answer a few questions.

    Four quick questions about the home and where things stand. Your answers help us prepare for your call.

  2. Step 2

    Book a Free Consultation.

    Pick a time that works for you. You'll talk one on one with a licensed advisor.

  3. Step 3

    Get your guide and talk it through.

    After you book, we'll email you The California Homeowner's Options Guide. On the call, we'll walk through the options that fit and what each one takes.

Kreg McCoy, Broker & Owner

DRE #01237359 · NMLS #1078925

“I'm Kreg, and I'll walk you through your options on a free call. I've spent 30 years in real estate investing, short sales, and traditional sales, and I'm licensed as both a broker and a loan officer. We'll look at selling and lending options in one conversation, and you decide what's right for you.”

  • Every option on one call:

    Selling, lending, and as-is offers, laid out side by side.

  • Free, with no obligation:

    The consultation costs nothing, and you're never required to use any Link company.

  • Straight answers, no pressure:

    We'll explain what each option takes so you can decide.

Frequently Asked Questions

Is the consultation really free?

Yes. There's no fee for the consultation or for loan modification help. If you choose to sell or get a new loan, any costs are explained before you decide.

What options do I have?

Most homeowners have more than they expect: catching up on the loan, changing your loan terms, refinancing, selling, a short sale, or a fast as-is sale. On the call, we'll look at which ones fit your situation.

What happens on the call?

We'll talk through where things stand, what you want for the home, and what each option takes. You'll leave with a clearer picture and no obligation.

I already have a sale date. Is it too late to call?

Options narrow as a sale date gets closer, but there may still be choices open to you. Book a Free Consultation and we'll look at what's still available.

Can you stop the foreclosure?

We can't promise to stop or postpone a sale. What we can do is show you every option and what each one takes, so you can act while you still have choices.

Do I have to use First Link Mortgage or sell to McCoy Homes?

No. They're options, never requirements. You're free to work with any lender, agent, or buyer you choose.

You Have More Options Than You Think.

Options narrow as a sale date gets closer. The sooner you look, the more choices you keep.