Pre-foreclosure is the period between when your lender files a Notice of Default against your property and when the home is sold at a public auction (trustee sale). In California, this period is a minimum of approximately 120 days - but the actual timeline varies and can stretch longer depending on lender actions, legal filings, and any interventions you pursue. If you are a West Sacramento homeowner who has received a Notice of Default - or who has fallen behind on mortgage payments and suspects one is coming - pre-foreclosure is not the end. It is a window. What you do inside that window determines whether you walk away with equity in your pocket or lose the property entirely.

In This Article

What Pre-Foreclosure Actually Means - The Plain Definition

Pre-foreclosure is a legal status. It means your mortgage lender has formally notified you - and the county - that you are in default on your loan, and that foreclosure proceedings have begun. It is not a threat. It is a filed legal document.

In California, pre-foreclosure begins when the lender (or their trustee) records a Notice of Default (NOD) with the county recorder's office. In West Sacramento's case, that is the Yolo County Recorder.

What the Notice of Default says:
- You are in default on your mortgage
- The specific amount you owe in missed payments, late fees, and legal costs
- You have a specific period to cure the default (bring the loan current)
- If you do not cure it, the lender will proceed toward selling the property at auction

What pre-foreclosure is NOT:
- It is not eviction. You still own the home and have the legal right to live in it.
- It is not the auction. The trustee sale happens later - after additional notices and waiting periods.
- It is not irreversible. You have multiple options to stop or redirect the process.
- It is not a judgment against you (yet). Pre-foreclosure is the process before the loss of your property.

The word "pre" is the critical part. You are before foreclosure. The clock is ticking, but you have time - and more options than most homeowners realize.

Flat-design timeline illustration explaining what does pre foreclosure mean from missed payment through trustee sale stages

How the California Foreclosure Timeline Works Step by Step

California primarily uses non-judicial foreclosure, meaning the process does not go through the court system. This makes it faster than judicial foreclosure states but also means the timeline is more predictable - and shorter.

Here is the step-by-step process, with approximate timeframes:

Step 1: Missed Payments (Day 1 - Day 90+)

You miss one or more mortgage payments. After 30 days, you are officially delinquent. Most lenders do not take action after one missed payment - they send notices, call, and attempt to work with you. After 90 days of delinquency (three missed payments), most lenders begin the formal foreclosure process.

What you should do during this period: Contact your lender immediately. Request hardship options (forbearance, loan modification, repayment plan). The earlier you communicate, the more options you have. Lenders are required by federal law to attempt loss mitigation before proceeding with foreclosure.

Step 2: Notice of Default - NOD (Day ~90)

The lender's trustee records a Notice of Default with the Yolo County Recorder. A copy is mailed to you and posted on the property. This is the official start of pre-foreclosure.

Key fact: Once the NOD is recorded, it becomes a public record. Investors, cash buyers, wholesalers, and various "foreclosure rescue" companies can access this information. You will likely start receiving unsolicited letters, calls, and visits from people offering to buy your house or "help" you. Some are legitimate. Many are not. Be cautious.

Step 3: Reinstatement Period (90 Days from NOD)

California law gives you at least 90 days from the date the NOD is recorded to cure the default - meaning you pay all missed payments, late fees, and legal costs, and the foreclosure stops. This is called the right of reinstatement.

During this period, you can also:
- Apply for a loan modification
- Negotiate a forbearance agreement
- List the property for sale
- Pursue a short sale (if you owe more than the home is worth)
- Sell to a cash buyer
- File for bankruptcy (which triggers an automatic stay - see below)

This 90-day window is your primary action period. Every day you wait reduces your options.

Step 4: Notice of Trustee Sale - NOTS (After 90-Day Reinstatement Period)

If you do not cure the default within the reinstatement period, the trustee records a Notice of Trustee Sale. This notice sets the date, time, and location of the public auction.

Key fact: The trustee sale cannot occur sooner than 21 days after the NOTS is recorded. In practice, it is often scheduled 21-30 days out.

Step 5: Trustee Sale (Minimum ~111+ Days After NOD)

The property is sold at public auction to the highest bidder. If no one bids above the lender's minimum (typically the loan balance plus fees), the lender takes ownership - the property becomes REO (Real Estate Owned).

Key fact: Up until 5 business days before the trustee sale, you still have the right to reinstate by paying the full amount owed. After that, only full payoff of the entire loan balance can stop the sale.

Complete Timeline Summary

Stage Approximate Timing Your Rights
Missed payments Day 1-90+ Contact lender, request hardship options
Notice of Default (NOD) ~Day 90 Pre-foreclosure begins
Reinstatement period Day 90-180 90 days to cure default, pursue alternatives
Notice of Trustee Sale (NOTS) ~Day 180+ 21+ days to auction - limited options remain
Trustee sale (auction) ~Day 200+ Property sold to highest bidder or bank
Total minimum timeline ~120 days from NOD to sale Varies - can be longer with delays or legal actions

Important: This is the minimum timeline. In practice, many foreclosures take 6-12 months or longer due to lender processing delays, legal challenges, bankruptcy filings, or government moratoriums. But you should plan based on the minimum - not hope for delays.

What Triggers Pre-Foreclosure - And How Early the Warning Signs Start

Pre-foreclosure does not happen overnight. There are warning signs that precede the Notice of Default - and recognizing them early gives you more time and more options.

Common triggers in West Sacramento:

  • Job loss or income reduction. The most common cause. West Sacramento's economy includes government jobs, logistics (Port of Sacramento), healthcare, and retail. Layoffs, hours reductions, or contract endings can quickly make mortgage payments unsustainable.

  • Medical expenses or disability. An unexpected health crisis can drain savings and redirect income from mortgage payments to medical bills.

  • Divorce or separation. Two incomes become one, but the mortgage was sized for two. Neither party can afford the payment alone, and the house becomes a financial burden during an already difficult time.

  • Adjustable-rate mortgage (ARM) reset. If your interest rate adjusts upward, your monthly payment can increase by hundreds of dollars. Homeowners who bought or refinanced during low-rate periods may face significant payment shock when their rate adjusts.

  • Property tax or insurance increases. Rising property taxes or a jump in homeowner's insurance (increasingly common in California) can push an already-tight budget over the edge.

  • Accumulated debt. Credit card debt, car payments, student loans - when total debt service exceeds income, the mortgage often becomes the payment that gets skipped first because it is the largest and takes the longest to result in consequences.

Early warning signs (before the NOD):

  • You have missed one mortgage payment
  • You are using credit cards or savings to make mortgage payments
  • You are choosing between paying the mortgage and paying other essential bills
  • Your lender has contacted you about a missed payment
  • You have received a breach letter (formal notice that you are in violation of your loan terms)

If any of these describe your situation, you are in the pre-pre-foreclosure zone. You have more options now than you will after the NOD is filed. Act now.

Your Legal Rights During Pre-Foreclosure in California

California provides significant legal protections for homeowners in pre-foreclosure. Knowing your rights prevents you from being taken advantage of and ensures you can use the full window available to you.

Right of Reinstatement

You can stop the foreclosure at any point during the reinstatement period (at least 90 days after the NOD, and up to 5 business days before the trustee sale) by paying all missed payments, late fees, and lender's legal costs. This is not the full loan balance - it is just the amount needed to bring the loan current.

California Homeowner Bill of Rights (HBOR)

Enacted in 2013, the HBOR provides several critical protections:

  • Dual tracking prohibition. Your lender cannot proceed with foreclosure while actively reviewing your loan modification application. If you have submitted a complete modification application, the foreclosure process must pause until the lender makes a decision.

  • Single point of contact. Your lender must assign you a specific representative who knows your file. You should not have to re-explain your situation to a different person every time you call.

  • Written denial explanation. If your modification application is denied, the lender must explain why in writing and inform you of your right to appeal.

  • Verified documents. Foreclosure documents must be reviewed and verified by a person with knowledge of the case - not robo-signed.

Home Equity Sales Contract Act

If anyone offers to buy your home while you are in foreclosure, they may be subject to California Civil Code Sections 1695-1695.17, which regulate "equity purchasers." These protections include:

  • A 5-day right of cancellation - you can cancel the sale within 5 business days of signing
  • Prohibition against unconscionable terms
  • Required disclosures about the transaction

Important exception: These protections apply to "equity purchasers" as specifically defined by the statute. Not every cash buyer falls under this definition - but the protections exist to prevent predatory actors from taking advantage of homeowners under financial stress.

Bankruptcy Automatic Stay

Filing for bankruptcy - Chapter 7 or Chapter 13 - triggers an automatic stay that immediately halts all collection activities, including foreclosure. This is not a permanent solution, but it can buy you weeks or months of additional time. Chapter 13 specifically allows you to propose a repayment plan that includes catching up on missed mortgage payments over 3-5 years while keeping the property.

Right to Sell

You retain full ownership and the right to sell your property until the trustee sale is completed. No one can force you to sell to any particular buyer, and no one can prevent you from selling during pre-foreclosure. Your existing mortgage gets paid off at closing from the sale proceeds - the same as any normal real estate transaction.

Every Option Available to West Sacramento Homeowners in Pre-Foreclosure

You have more options than you think. Here is every one, organized by what they accomplish.

Options That Keep You in the Home

1. Reinstatement (Cure the Default)

Pay all missed payments, late fees, and lender legal costs to bring the loan current. Foreclosure stops immediately. Available until 5 business days before trustee sale.

Best when: You have had a temporary hardship (short-term job loss, medical recovery) and can resume normal payments. You need a lump sum equal to the arrears - typically $8,000-$25,000+ depending on how many payments you missed.

2. Loan Modification

Negotiate with your lender to change the loan terms - lower interest rate, extended term, or capitalized arrears (adding missed payments to the loan balance). The goal is a lower monthly payment you can sustain.

Best when: Your hardship is ongoing (reduced income, permanent disability) and you cannot catch up on arrears. You must demonstrate that you can afford the modified payment. Applications are reviewed case by case and can take 30-90 days. During review, the dual-tracking prohibition prevents the lender from continuing foreclosure.

3. Forbearance Agreement

Your lender temporarily reduces or suspends your payments for a defined period (typically 3-12 months). After forbearance ends, you must repay the deferred amounts - either as a lump sum, through a repayment plan, or by adding them to the loan balance.

Best when: Your hardship is temporary and you expect your income to recover. Forbearance does not reduce what you owe - it shifts it.

4. Chapter 13 Bankruptcy

File Chapter 13 to halt foreclosure via the automatic stay and propose a court-supervised repayment plan that catches up on arrears over 3-5 years while you continue making current payments.

Best when: You have regular income and can afford current payments plus a portion of the arrears monthly. Chapter 13 stays on your credit for 7 years but allows you to keep the home. Consult a bankruptcy attorney - this is complex and has lasting implications.

Options That Involve Selling the Property

5. List with a Real Estate Agent (Traditional Sale)

List the home on the MLS, sell to a retail buyer, pay off the mortgage from proceeds, and keep the remaining equity.

Best when: You have enough time remaining in the pre-foreclosure timeline (minimum 90-120 days), the home is in reasonable condition, and you have positive equity. The risk is that the traditional sale timeline (75-120 days) may not fit within your foreclosure window - and if the deal falls through, you may not have time for a second attempt.

6. Sell to a Direct Cash Buyer

Sell directly to a cash buyer who can close in 7-24 days. No repairs, no showings, no financing contingencies. The mortgage gets paid off at closing from proceeds.

Best when: Time is your primary constraint. A cash sale can close before the trustee sale date in most cases, allowing you to preserve your equity. The offer will be below market value, but you avoid the foreclosure, protect your credit (a sale is far less damaging than a foreclosure), and walk away with cash.

7. Short Sale (If Underwater)

If you owe more on the mortgage than the home is worth, you can request lender approval to sell for less than the loan balance. The lender absorbs the loss. This requires lender cooperation and takes 60-120+ days.

Best when: You have negative equity and cannot sell for enough to cover the mortgage. Short sales are slow and uncertain - lender approval is not guaranteed - but they are less damaging to your credit than a foreclosure (typically 2-3 years of impact vs. 7 years).

Options That Surrender the Property

8. Deed in Lieu of Foreclosure

You voluntarily transfer ownership of the property to the lender in exchange for the lender canceling the foreclosure and the remaining debt. The lender may or may not agree.

Best when: You have no equity, cannot sell for enough to cover the mortgage, and want to avoid the formal foreclosure process. A deed in lieu is slightly less damaging to your credit than a foreclosure but still significant (reported as "settled for less than owed").

9. Do Nothing (Allow Foreclosure)

You stop making payments, do not respond to notices, and allow the trustee sale to proceed. The bank takes the property. You lose all equity. Foreclosure appears on your credit report for 7 years, making it difficult to qualify for another mortgage for 3-7 years depending on the loan type.

This is the worst outcome in almost every scenario - and it is avoidable in almost every scenario.

How Much Equity You Might Have - And Why It Matters

Your equity is the difference between what your home is worth and what you owe. In pre-foreclosure, equity determines which options are viable.

West Sacramento home equity example:

Factor Amount
Estimated home value $470,000
Remaining mortgage balance $360,000
Missed payments + fees + legal costs $18,000
Total owed $378,000
Equity (before selling costs) $92,000

With $92,000 in equity, this homeowner has significant money to protect. Allowing foreclosure means losing all of it. Every other option - reinstatement, modification, traditional sale, cash sale - preserves some or all of that equity.

If you have little or no equity (you owe close to or more than the home is worth), your options shift toward short sale, deed in lieu, or Chapter 13 bankruptcy. But in the current West Sacramento market, most homeowners who purchased before 2024 have meaningful equity.

The West Sacramento Housing Market and Pre-Foreclosure

Metric West Sacramento, CA (2025-2026)
Median home price $450,000 - $500,000
Price per square foot $280 - $330
Average days on market 28-42 days
Common build years 1990-2015
Typical home size 1,400-2,200 sq ft
Key neighborhoods Bridgeway Lakes, Southport, Elkhorn Village, Broderick
Cash sale percentage ~20-24% of transactions
Foreclosure activity Below 2010 peak but rising from 2023 lows

Why West Sacramento's market matters for pre-foreclosure homeowners:

Strong equity positions. West Sacramento home values have appreciated 25-40%+ over the past five years. Most homeowners who bought before 2023 have positive equity - often substantial. This equity is worth protecting and is the primary argument against allowing foreclosure.

Relatively fast market. Homes in good condition sell within 28-42 days. This means a traditional sale is theoretically possible within the pre-foreclosure window - but only if you act immediately after receiving the NOD, the home is in good condition, and nothing goes wrong with the buyer's financing or inspection.

Active cash buyer market. West Sacramento's price point and proximity to downtown Sacramento make it attractive to investors. Multiple cash buyers operate in the area, which means competitive offers if you choose that route.

Newer housing stock. Much of West Sacramento (particularly Southport and Bridgeway Lakes) was built in the 2000s-2010s. These newer homes typically need fewer repairs, which makes them viable for both traditional sales and cash sales during the pre-foreclosure window.

Two-story family home with a well-kept yard in a Southport neighborhood of West Sacramento, California

What Happens If You Do Nothing

If you receive a Notice of Default and take no action - do not contact your lender, do not explore selling, do not file for bankruptcy, do not seek legal advice - here is what happens:

  1. The 90-day reinstatement period expires
  2. The lender files a Notice of Trustee Sale
  3. Your property is auctioned 21+ days later
  4. The highest bidder takes ownership (or the bank takes it as REO)
  5. You receive an eviction notice - typically 3 days to vacate (though enforcement may take longer)
  6. You lose all equity - any amount above the mortgage balance goes to the bank or junior lienholders, not to you (California law does provide for surplus funds, but the process to claim them is complex)
  7. Foreclosure on your credit report for 7 years - affects your ability to rent, borrow, and in some cases, employment
  8. 3-7 year waiting period before you can qualify for another mortgage (depending on loan type and circumstances)
  9. Potential tax liability - the forgiven debt may be treated as taxable income (consult a tax professional)

Every single option described in this article produces a better outcome than doing nothing. Even a short sale or deed in lieu - where you walk away with no money - is better than foreclosure because the credit impact is less severe and the recovery period is shorter.

Net Proceeds Comparison: Your Options Before the Bank Takes Over

Using the equity example above ($470,000 home value, $378,000 total owed):

Option Net to You Timeline Credit Impact
Reinstatement Keep the home (pay ~$18,000 to cure) Immediate once paid None - fully resolved
Loan modification Keep the home (restructured payment) 30-90 days for approval Minor - may show modified loan
Traditional sale (agent) ~$35,000-$42,000 after all costs 75-120 days (risky if close to auction) None - normal sale
Cash sale ~$50,000-$60,000 7-24 days None - normal sale
Short sale $0 (lender absorbs loss) 60-120+ days Moderate - 2-3 year recovery
Deed in lieu $0 30-60 days for lender approval Significant - similar to foreclosure
Foreclosure $0 Lender's timeline Severe - 7 years on credit
Chapter 13 Keep the home (repayment plan) Filed immediately, plan over 3-5 years Significant - 7 years on credit

Notice something critical: the cash sale nets more than the traditional sale in this scenario. That is because the traditional sale involves $25,850 in agent commissions (5.5%), $7,050 in closing costs, $9,400 in holding costs (during a timeline you may not have), and $9,400 in buyer concessions. The cash sale involves zero costs. And it closes in weeks instead of months - fitting within the pre-foreclosure window with room to spare.

How to Stop or Delay Foreclosure - Ranked by Effectiveness

Ranked by reliability and speed:

1. Sell for cash (7-24 days). The most reliable way to exit pre-foreclosure with equity intact. Closes faster than any other option. Mortgage paid off at closing. You walk away with cash.

2. Reinstate the loan (immediate). If you have the lump sum to cure the default, this stops foreclosure instantly. But most homeowners in pre-foreclosure do not have $10,000-$25,000 in liquid funds available.

3. File Chapter 13 bankruptcy (immediate stay). Halts foreclosure via automatic stay. Provides 3-5 years to catch up on arrears. But it stays on your credit for 7 years and requires ongoing court-supervised payments.

4. Loan modification (30-90 days). Can permanently reduce your payment and halt foreclosure during review. But approval is not guaranteed, the process is slow, and if denied, you have lost valuable time.

5. Sell traditionally with an agent (75-120 days). Can work if you have enough time and the home is in good condition. But the timeline risk is real - if the deal falls through, you may not have time for another attempt.

6. Short sale (60-120+ days). Only relevant if you have negative equity. Requires lender approval, which is slow and uncertain.

7. Forbearance (temporary). Pauses payments but does not solve the underlying problem. Deferred amounts come due later.

8. Deed in lieu (30-60 days). Voluntarily surrender the property. Avoid the auction process but lose all equity and take a significant credit hit.

What a Cash Sale Looks Like During Pre-Foreclosure

The process is the same as a standard cash sale, with one critical addition: speed is prioritized to close before the foreclosure timeline runs out.

1. You make contact. Call or fill out a form. Share the address, your situation, and where you are in the foreclosure process.

2. Information call. The cash buyer calls within 24 hours. They need to understand your property, your timeline, and the foreclosure status - specifically, when the NOD was filed and whether a Notice of Trustee Sale has been recorded.

3. Offer presentation. On a separate call, the buyer presents a cash offer. The calculation is the same as any cash sale - comparable sales, estimated repairs, buyer's margin - but the urgency of your timeline is factored into the closing schedule, not the price. A legitimate buyer does not lower their offer because you are in foreclosure.

4. Agreement. If you accept, both parties sign a purchase agreement. The buyer schedules a brief verification visit.

5. Expedited escrow. The title company opens escrow immediately, runs a title search, and coordinates with your lender for the payoff. Because there are no buyer financing delays, no appraisal waits, and no inspection negotiations, the process moves as fast as the title company can work - typically 14-21 days, sometimes faster.

6. Closing. You sign on the agreed date - ideally well before any trustee sale date. Your mortgage (including all arrears, fees, and legal costs) gets paid off from the proceeds. Any remaining equity is wired to you within 24-48 hours.

Key protections during a pre-foreclosure cash sale:

  • The California Home Equity Sales Contract Act may apply - giving you a 5-day right of cancellation
  • A neutral third-party title company handles all funds
  • Your attorney can review everything before you sign
  • You can walk away before closing with no penalty
  • Your mortgage servicer is legally required to accept a legitimate payoff from the title company

What Happens After You Reach Out

If you are in pre-foreclosure in West Sacramento and want to explore a cash offer, here is exactly what to expect from Ummah Homes.

Step 1: You call or submit the form. Property address, brief description, and where you stand in the foreclosure process. Two minutes.

Step 2: First call - information only. We learn about your property, your situation, and your timeline. No offer, no pressure. We also discuss the foreclosure timeline to determine how quickly we need to move.

Step 3: Second call - your cash offer. A fair offer based on your home's actual condition and the West Sacramento market. We explain the math. No obligation. No expiration.

Step 4: If you accept, we sign an agreement and schedule a brief verification visit. The title company opens escrow immediately.

Step 5: Close before your deadline. We coordinate with the title company to close as quickly as possible - often within 14-21 days. Your mortgage and all associated arrears and fees get paid off from proceeds. Your remaining equity is wired to you.

What you need to know:
- Your mortgage, arrears, late fees, and legal costs all get paid off at closing
- You do not need to bring the loan current first - the sale proceeds handle everything
- Zero commissions, zero closing costs, zero fees
- No repairs, no cleaning, no showings
- Leave behind anything you do not want - we handle cleanout
- Neutral title company handles all money and paperwork
- Your attorney is welcome to review everything
- You may have a 5-day cancellation right under California law
- A sale is dramatically less damaging to your credit than a foreclosure

If you are in pre-foreclosure, time is your most valuable and most limited resource. A no-obligation cash offer takes a couple of minutes to request, costs nothing, and gives you a real number to work with - so you can make an informed decision instead of a panicked one.

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What Happens Next - At a Glance

  • Your offer stays firm as long as the property matches what you described
  • We close before your foreclosure deadline - that is the priority
  • Your mortgage and all arrears are paid off at closing automatically
  • You keep your remaining equity - wired within 24-48 hours
  • You can leave anything behind - we handle cleanout
  • No assignment, no middleman - Ummah Homes is the buyer
  • A sale protects your credit far more than a foreclosure

If you want to meet in person before deciding, Ummah Homes has a local office you can visit.

Frequently Asked Questions About Pre-Foreclosure in West Sacramento

What does pre-foreclosure mean exactly?

Pre-foreclosure is the period after your lender files a Notice of Default (NOD) but before the property is sold at a public auction (trustee sale). In California, this period is a minimum of approximately 120 days. During pre-foreclosure, you still own the home, still have the right to live in it, and still have the right to sell it. It is a legal process that can be stopped or redirected through several different actions - reinstatement, loan modification, sale, bankruptcy, or other interventions.

How long does pre-foreclosure last in California?

The minimum timeline from Notice of Default to trustee sale is approximately 120 days - 90 days for the reinstatement period plus a minimum of 21 days after the Notice of Trustee Sale is recorded. In practice, the process often takes 6-12 months due to lender delays, modification reviews, or legal filings. However, you should plan based on the minimum timeline and act as early as possible.

Can I sell my house during pre-foreclosure?

Yes. You retain full ownership and the right to sell until the trustee sale is completed. Your mortgage, including all missed payments, late fees, and legal costs, gets paid off at closing from the sale proceeds. Any remaining equity belongs to you. A cash sale can close in 7-24 days - well within the pre-foreclosure window. A traditional sale (75-120 days) may also be possible if you have enough time remaining.

Will pre-foreclosure ruin my credit?

The missed payments that led to pre-foreclosure have already affected your credit - each missed payment is reported and remains on your credit report for 7 years. However, if you resolve the pre-foreclosure through reinstatement, modification, or a sale, the damage is significantly less than a completed foreclosure. A sale appears as a normal transaction. A foreclosure appears as a foreclosure for 7 years and creates a 3-7 year waiting period before you can qualify for a new mortgage.

What is the difference between pre-foreclosure and foreclosure?

Pre-foreclosure is the warning period - you have received the Notice of Default but still own the home and can take action. Foreclosure is the completion of the process - the property has been sold at a trustee sale or taken back by the bank. During pre-foreclosure, you have multiple options. After foreclosure, you have none regarding that property.

Can I stop pre-foreclosure by paying what I owe?

Yes. This is called reinstatement. You pay all missed payments, late fees, and the lender's legal costs, and the foreclosure stops. You can reinstate at any time during the reinstatement period and up to 5 business days before the trustee sale date. After that, only full payoff of the entire loan balance can stop the sale. The reinstatement amount is typically $8,000-$25,000+ depending on how many payments you missed and the accumulated fees.

Should I contact my lender during pre-foreclosure?

Yes - immediately. Federal law requires your lender to discuss loss mitigation options with you before proceeding with foreclosure. Contact them as soon as you realize you cannot make payments - ideally before the NOD is filed. Options include forbearance, repayment plans, and loan modification. Under California's Homeowner Bill of Rights, the lender must assign you a single point of contact and cannot proceed with foreclosure while reviewing a complete modification application.

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