Are you facing foreclosure in Agoura Hills, CA? You’re not alone — and you do have options. At Friendly Offer, we help homeowners throughout Los Angeles County avoid foreclosure and move forward with confidence. Whether you’ve missed a few payments or received a Notice of Default, it’s not too late to stop foreclosure and protect your financial future.
Understanding the Foreclosure Process in California
In California, the foreclosure process typically begins after you miss three or more mortgage payments. Your lender will file a Notice of Default (NOD), giving you 90 days to catch up. If you don’t, they may issue a Notice of Trustee’s Sale, scheduling your property to be sold at auction in as little as 21 days. That means you could lose your home in as little as four months after falling behind.
The key to stopping foreclosure is acting quickly and knowing your options.
Your Options to Stop Foreclosure in Agoura Hills
1. Reinstate Your Loan
If you can come up with the missed payments, late fees, and penalties, you have the legal right to reinstate your mortgage. This stops the foreclosure entirely, but it’s not always realistic — especially if your financial hardship is ongoing.
2. Loan Modification
A loan modification can reduce your monthly payment by adjusting the loan term or interest rate. This process involves working directly with your lender, and while it can be effective, it often takes time and isn’t guaranteed to be approved.
3. Sell Your House Before the Auction
One of the fastest and most reliable ways to stop foreclosure is to sell your house before it reaches the auction date. If your home has equity, you can pay off the mortgage and walk away with cash in hand. Even if you’re tight on time, a direct cash sale can help you avoid damage to your credit and start fresh.
At Friendly Offer, we specialize in buying homes quickly and as-is, even if you’re behind on payments. There are no fees, commissions, or repairs required. We can make a fair cash offer within 24 hours and close before the auction deadline.
4. Short Sale (If You Owe More Than It’s Worth)
If your mortgage balance is higher than the market value of your home, your lender may approve a short sale. In this case, you sell the house for less than what’s owed, and the lender agrees to forgive the difference. This can be a good alternative, but it often takes weeks to get approval and might still affect your credit.
5. File for Bankruptcy
Bankruptcy will temporarily halt the foreclosure process due to the automatic stay that goes into effect. Chapter 13 bankruptcy can allow you to repay missed payments over time, but it should be used as a last resort due to its long-term credit impact and complexity.
Why Choose Friendly Offer to Stop Foreclosure?
We understand how stressful and emotional foreclosure can be. Our team is based right here in Agoura Hills, and we’ve helped many homeowners like you avoid foreclosure with fast, fair, and respectful solutions. Here’s what makes us different:
- Fast Closings: We can buy your house in as little as 7 days.
- No Repairs Needed: Sell your house as-is, no matter the condition.
- No Fees or Commissions: Keep more of your home’s value.
- Discreet & Respectful: We treat every situation with professionalism and care.
- Experienced with Pre-Foreclosures: We understand California foreclosure timelines and how to act fast.
Let’s Talk — Before It’s Too Late
Every day you wait is one step closer to losing your home. If you’re worried about foreclosure in Agoura Hills, let’s talk now. We’ll review your situation and give you honest, pressure-free advice. If it makes sense to sell your home in Agoura Hills, we’ll give you a fair cash offer — no strings attached.
Call (310) 850-5958 or fill out our quick online form to get started. Time is limited, but solutions are available. Let Friendly Offer help you stop foreclosure and regain control of your future.
Frequently Asked Questions
Yes, even after the foreclosure process has started, you may still have time to stop it. In California, homeowners typically have at least 90 days after a Notice of Default (NOD) is filed to take action. During this time, you can reinstate the loan, apply for a loan modification, or sell your home before it goes to auction. Working with a local cash home buyer like Friendly Offer can allow you to sell your property quickly and pay off your mortgage before the foreclosure is finalized — helping you avoid losing your home and protecting your credit.
Receiving a Notice of Default means your lender has officially started the foreclosure process due to missed mortgage payments. You typically have 90 days from the date of the notice to bring your loan current or find an alternative solution. If no action is taken, the lender may then file a Notice of Trustee’s Sale, scheduling your home to be sold at auction. The earlier you respond, the more options you’ll have — from reinstating the loan to selling your home before the sale date.
Once a Notice of Default is recorded, you have about 90 days before your lender can move forward with a Notice of Trustee’s Sale. After that, the auction can happen in as little as 21 days. In total, the California nonjudicial foreclosure timeline is about four months, but it’s critical to act quickly. Friendly Offer can help you sell your home in as little as 7 days, which is often fast enough to avoid the foreclosure and protect your financial future.
Yes, selling your home is one of the most effective ways to stop foreclosure — especially if you have enough equity to pay off the mortgage in full. A fast, direct sale to a cash buyer like Friendly Offer allows you to avoid listing delays, agent fees, and buyer financing issues. If you’re close to the auction date, we can work with your lender and escrow to ensure the sale closes in time to satisfy the debt and cancel the foreclosure.
If your mortgage is upside down (meaning you owe more than the home is worth), a short sale may be an option. In a short sale, the lender agrees to accept less than the full amount owed on the loan. It requires lender approval and can take several weeks or months, but it’s often a better alternative than a foreclosure. At Friendly Offer, we can help guide you through the short sale process and work with your lender to minimize damage to your credit.
Unfortunately, foreclosure has a significant negative impact on your credit score. It can lower your score by 100 to 160 points or more and remain on your credit report for up to 7 years. This can make it difficult to qualify for future loans, credit cards, or rental housing. That’s why taking early action is so important. Selling your home before the foreclosure is finalized can help you avoid this major hit to your credit and give you a clean slate.
Yes, you can remain in your home during the foreclosure process — even after a Notice of Default has been issued. However, once the home is sold at auction or returned to the lender, you may be required to leave quickly, often within days or weeks. By selling your home to Friendly Offer before the auction, you can maintain control of the timeline, avoid an abrupt eviction, and even negotiate a move-out date that works for you.
Working with a local buyer like Friendly Offer gives you speed, certainty, and flexibility — all critical when facing foreclosure. Traditional listings take time and require repairs, cleanings, and showings, which you may not be able to afford. Agents also charge commissions that cut into your final proceeds. In contrast, we buy houses as-is, without fees, and can close in a matter of days. Plus, we understand the foreclosure laws and timeline in Agoura Hills and can coordinate with your lender to make sure everything happens on time.
