Facing foreclosure? You're not alone, and you have options.
Our first goal is helping you keep your home. Pathway Property Solutions sits down with Southern California homeowners, looks at every option side by side, and helps you choose the path that's right for your family.
Talk with Michael →A note from Michael
Getting a notice from your lender is overwhelming, and a lot of people don't know where to start. My job is to slow things down, explain where you stand in plain English, and look at every way to keep your home first. If keeping it isn't possible, I'll show you your other options and what you'd walk away with on each. You decide.
Michael De Leon
How it works
Tell us where things stand.
Your notice, your timeline, what matters most to you.
Look at ways to keep your home first.
Working with your lender (reinstatement, repayment plan, loan modification), or a second loan to catch up through our partner loan officers.
If that isn't possible, see your other options.
Selling on the market or an as-is cash sale, with your estimated net on each, side by side. Your choice, on your timeline. No pressure, and no same-day signing.
If keeping the home isn't possible, see your selling options →
Plain-English help
Notice of Default
A Notice of Default is usually the first official notice that a homeowner has fallen behind on the mortgage. It is recorded with the county, and it starts the clock. In California there is generally at least three months after it is recorded before a sale can even be scheduled, which is often the best window to look at ways to catch up or keep the home.
Notice of Trustee Sale
A Notice of Trustee Sale sets a date for the home to be sold at auction, usually about three weeks or more after it is recorded. Sale dates are sometimes moved, but time is shorter at this stage, so it helps to look at your options right away. This is general information, not legal advice; for legal questions, talk with an attorney.
Talk with Michael
Tell us a little about where things stand, and Michael will reach out to you personally.
No one can promise a result, and we never charge homeowners upfront fees. Michael De Leon is a licensed real estate agent with eXp Realty.