You've received a Notice of Default. Now what? Learn the exact timeline, your legal rights, and the critical steps you must take in the days and weeks after receiving a NOD to save your home.
The Notice of Default triggers what's called the "reinstatement period" — a legally defined window during which you can stop the foreclosure by paying all past-due amounts, late fees, and foreclosure costs. This is your most important opportunity to resolve the default without losing your home.
Reinstatement Periods by State:
The NOD date is when your clock started. The recording date and the trustee contact information are on the document.
Call the trustee or servicer to get the exact reinstatement amount and deadline. Get it in writing.
Collect your mortgage note, deed of trust, payment history, and all correspondence from the lender.
This triggers dual tracking protections. The servicer must evaluate your application before proceeding with foreclosure.
Demand a full accounting of your loan, payment history, fees, and escrow. Servicer must respond within 30 days under RESPA.
Get a free case evaluation. The earlier you act, the more options you have. A professional can identify violations the lender may have committed.
The foreclosure process will continue whether you engage or not. Silence = default = losing your home.
Verbal promises are not enforceable. Get everything in writing and document every interaction.
Leaving the property can complicate your legal position. You still have rights as the legal owner.
Never pay reinstatement amounts without getting a written payoff statement and keeping meticulous records.
If the default is not resolved during the reinstatement period, the process typically moves toward a scheduled sale. In a non-judicial foreclosure, a later Notice of Sale / Notice of Trustee Sale may be part of the process, depending on state law. That document generally sets out the scheduled sale date, time, and place, along with the trustee's contact information.
The sale itself, if it proceeds, is often conducted as a how a trustee sale works step under the deed of trust. There is no single universal timeline for how quickly this happens — notice periods, waiting requirements, and whether additional steps or mediations apply all vary from state to state. Confirm the rules for the state and county where the property is located rather than relying on a general estimate.
Don't let the clock run out. Our team will review your NOD, explain your timeline, and outline every available option.
Get Free EvaluationWhat a NOD means and critical response timelines
How to stop an auction and your legal options
Legal strategies to halt an auction before it's too late
Critical deadlines and state-by-state process
Negotiate better terms and lower payments
Timeline, costs, and saving your home
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