How to Avoid Foreclosure in Santa Clarita: A Step-by-Step Guide
Falling behind on mortgage payments in Santa Clarita, CA, can lead to pre-foreclosure, a stressful phase with a tight timeline. With median home values around $770,000 and luxury properties climbing to $5 million, the stakes feel high in this thriving LA County community. You don’t have to lose your home to auction, though—there are steps you can take to regain control. Empathy Estates LLC offers a fast cash sale option, covering 100% of your moving fees, but this guide walks you through all your choices to avoid foreclosure in Santa Clarita.
Step 1: Assess Your Situation Immediately
The moment you miss a payment, time starts ticking. In California, pre-foreclosure begins with a Notice of Default (NOD) after delinquency, giving you roughly 90–120 days before an auction. Check your mortgage statements and any lender notices to confirm your status. Ignoring the problem only shrinks your window—Santa Clarita’s 200–300 pre-foreclosures at any time show how common this is, so act fast.
Step 2: Contact Your Lender for Options
California’s Homeowner Bill of Rights requires lenders to reach out 30 days before filing an NOD to discuss alternatives. Call them first to explore:
Loan Modification: Adjust terms to lower payments.
Repayment Plan: Spread missed payments over time.
Document every conversation. If you’re already in pre-foreclosure, ask if they’ll pause proceedings while you negotiate. This can buy time, especially in Santa Clarita’s competitive market.
Step 3: Seek Free Housing Counseling
HUD-approved counselors in LA County provide free, expert advice. Call 1-855-411-2372 or use the CFPB’s online tool to find one near Santa Clarita. They’ll review your finances, explain options, and even mediate with your lender. Past programs like Keep Your Home California are defunct, but legal aid through June 2025 can assist with negotiations—check local resources for eligibility.
Step 4: Consider Selling Your Home Fast
If modifications fail or time runs short, selling is a powerful way to avoid foreclosure. Traditional sales take too long—Santa Clarita homes sit for 63 days on average—but cash buyers close in 7–14 days. Empathy Estates connects you with LA County cash buyers, offering:
No repair costs or fees.
100% moving fees covered, easing your move from Valencia to Canyon Country or beyond.
Learn more about the process in our post .
Step 5: Avoid Scams and Take Action
Beware of “foreclosure rescue” schemes promising miracles for upfront fees—stick to verified resources like HUD counselors. Once you choose a path, act decisively. For selling, we make it simple: contact us, get a fair cash offer, and close quickly. Curious about what pre-foreclosure entails? See our earlier post .
Move Forward with Confidence
Avoiding foreclosure in Santa Clarita means understanding your options and acting within the 90–120-day pre-foreclosure window. Whether you negotiate with your lender, seek counseling, or sell fast, you can protect your equity and peace of mind. Ready to skip the stress? from Empathy Estates and let us cover your moving costs entirely.
Disclaimer: Empathy Estates LLC is not a real estate agency and does not provide real estate services. We connect property owners with cash buyers for informational purposes only. We are not licensed real estate agents or brokers. All transactions are handled by third-party professionals.
