California homeowners
Behind on your mortgage? Find out where you stand in 15 minutes.
Tell me which notice you received. I will explain your deadline, what can and cannot be done, and what your options are. Free, private, and no upfront fee.
Book my free call Call 310.365.9450
- Licensed in California
- Free, no obligation
- Education only
- CalDRE #01384006
You are not alone
Does this sound like you?
- Opened a letter from your lender and could not tell what it means?
- Not sure how much time you have before something happens?
- Getting calls and letters from companies offering to “save” your home?
- Afraid to open the mail or answer the phone?
- Worried that whatever you do will make it worse?
If so, you are not alone. Many California homeowners go through this, and most were never shown how the process works.
The letters are written for lawyers, not for you. It is stressful, and I get it.
What helps is knowing where you stand. That is what the first call is for.
Plain talk
What I can and cannot do
I cannot promise that a foreclosure will stop. Some cases cannot be stopped because of liens, court orders, or timing. I do not charge upfront fees, I do not lend money, and I am not an attorney, so I do not give legal advice. What I can do is give you an honest picture of your options so you can choose with clear information.
Start here
Where are you in the process?
Time matters at every stage. Pick the notice you received to see what it means, what deadline comes next, and the options still open to you.
I am behind on payments
No notice yet. Options are widest at this point.
Read moreI received a Notice of Default
The lender has started the foreclosure process.
Read moreI received a Notice of Trustee Sale
A sale date has been set.
Read moreI am not sure what I received
Send me a photo or read it with me on a call.
Talk it throughHow it works
A 15-minute call, then your decision
You tell me where you stand
Your loan status, any notices you have received, and what you want for the property.
I explain your options
What fits your situation, what does not, and how much time you realistically have.
You decide
No upfront fee and no pressure. Take the plan and do what is best for your family.
Your options
What may be available to you
Which option fits depends on your loan, your lender, your equity, and your timeline. Approval for lender programs is the lender’s decision.
Foreclosure prevention
Catching up on the loan, repayment plans, and talking with your lender about alternatives.
Learn moreLoan modification and forbearance
Changing loan terms or pausing payments while you recover. What lenders usually ask for.
Learn moreShort sale
Selling for less than you owe with lender approval, often with less credit damage than a foreclosure.
Learn moreSelling and keeping your equity
If you have equity, a traditional sale can pay off the loan and leave you with proceeds.
Learn moreYour legal rights: California law gives homeowners certain protections in the foreclosure process. I can explain the general picture; for legal advice, I will refer you to an attorney or a HUD-approved housing counselor.
Free Help Pack
Prefer to read first? Get the free Help Pack.
The full 10-page guide: scripts for calling your lender, a hardship letter template, a “Find Funds” checklist, and three questions to ask an agent. You can read it on your own time.
About Alex
Connecting people with the right resources
I am Alex Gonzalez, a licensed California real estate broker. I own and run this website, and I work with MGR Real Estate Inc. as a broker associate for real estate listing and selling representation. I help homeowners understand their choices when they fall behind on payments, and I tell them the truth, even when the answer is hard.
Alexander J. Gonzalez, Broker, CalDRE #01384006, NMLS #98329 · Associated with MGR Real Estate Inc. (CalDRE #01841921) as a broker associate; MGR is the responsible broker for listing and selling representation
Questions
Common questions
Is the call really free?
Yes. There is no fee and no obligation to do anything afterward.
Can you stop my foreclosure?
I cannot promise that. I can explain your options and your timeline so you can decide what to do. Some cases cannot be stopped.
Are you an attorney or a lender?
No. I am a licensed real estate agent. For legal or bankruptcy questions, I will refer you to the right professional.
Will you ask me to sell my home?
No. Selling is one option among several, and only worth considering if it makes sense for you.
What should I have ready for the call?
Any letters from your lender and a rough idea of your loan balance. It is fine if you do not have everything.
Don’t wait for the sale date
Your lender’s timeline keeps moving whether or not you act. Book a free 15-minute call today and find out exactly where you stand.
Book my free call Call 310.365.9450Before you go
Take the one-page Quick Start with you
One printable page you can use today:
- The 3 lines to say when you call your lender
- Your options at a glance
- What to send today, and what to get in writing