San Diego homeowners benefit from California's nation-leading foreclosure protections — the Homeowner Bill of Rights, anti-deficiency laws, and a 120+ day non-judicial process. With median home prices over $900K, your equity is worth protecting. Dream Financial Management since 1994.
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California homeowners in San Diego benefit from some of the strongest foreclosure protections in the nation — including no dual tracking and strict anti-deficiency rules.
Median SD County home price — protect your equity
CA non-judicial foreclosure timeline
CCP §580b protects purchase-money loans from deficiency
Your lender cannot foreclose while you have a complete loan modification application under review. They must provide a single point of contact. Violations give you the right to sue — a powerful tool to delay or stop foreclosure.
After a non-judicial foreclosure on a purchase-money loan for an owner-occupied home in California, the lender cannot pursue a deficiency judgment. Period. This protects your other assets, wages, and future earnings.
Submit a complete modification application — dual tracking rules protect you during review.
Sue for HBOR violations — dual tracking or paperwork errors can delay or void foreclosure.
Pay all arrears, fees, and costs before the trustee sale to stop foreclosure.
With $900K+ SD home values, a short sale may protect substantial equity from loss.