Homeowners | KeepMyHouse

Understanding Your Right to Reinstate vs. Redeem

by kmh_admin | Jan 5, 2026 | Homeowners

If you’ve received foreclosure notices, you still have rights. California law gives homeowners the ability to reinstate or redeem their loan—but each follows different rules and timelines. 1. What Does “Reinstatement” Mean? Reinstatement is the process of catching up...

The Role of a Trustee in California Foreclosure Sales

by kmh_admin | Jan 4, 2026 | Homeowners

The trustee is the key player in a nonjudicial foreclosure, acting as a neutral party between lender and borrower. Understanding their role helps homeowners know who to call—and what to expect. 1. Who Is the Trustee? In California, almost every mortgage is structured...

What to Expect After a Notice of Trustee’s Sale Is Posted

by kmh_admin | Jan 3, 2026 | Homeowners

Once the Notice of Trustee’s Sale (NOS) is posted, the countdown begins—but it’s not over yet. Here’s what every California homeowner should expect and how to respond strategically. 1. What the Notice of Trustee’s Sale Means The Notice of Trustee’s Sale (NOS) is the...

When Bankruptcy Can (and Can’t) Save Your Home

by kmh_admin | Jan 2, 2026 | Homeowners

Filing bankruptcy can pause foreclosure instantly, but long-term results depend on your type of case and finances. Here’s what California homeowners need to know before filing. 1. How Bankruptcy Stops Foreclosure The moment you file bankruptcy, an automatic stay takes...

Understanding Preforeclosure Notices: NOD vs. NOS Explained

by kmh_admin | Jan 1, 2026 | Homeowners

Every foreclosure starts with paperwork—but not all notices mean the same thing. Understanding the difference between a NOD and a NOS can help you take the right action before it’s too late. 1. What Is the Notice of Default (NOD)? The Notice of Default is the first...

How to Stop a Foreclosure Sale at the Last Minute

by kmh_admin | Dec 31, 2025 | Homeowners

It’s never over until the gavel falls. California law gives homeowners powerful last-minute tools—if they act fast and document everything. Here’s how to stop a foreclosure sale in its final days. 1. Confirm the Sale Date Immediately Before taking any action, confirm...