California short-sale readiness portal
This portal helps California homeowners organize the facts needed for a licensed short-sale or time-sensitive listing review. It is not foreclosure rescue, legal advice, tax advice, credit repair, or loan-modification service.
Any short sale requires lender or servicer approval. No foreclosure postponement, debt forgiveness, legal, tax, credit, or lender decision is guaranteed.
Choose the closest stage. The checker changes the summary and next steps without exposing your private details to analytics.
Early-stage review before public foreclosure notices.
Use this stage in the checkerSeller options system
The path you choose is routed to The Desk with your intake so the human review starts from the right strategy.
Use a short, focused MLS exposure window while actively calling buyers instead of waiting for retail traffic to appear.
When time and equity allow, review whether a repair-assisted listing or partner structure could reposition the property for a stronger retail sale.
If payoff, arrears, liens, and sale costs leave the owner short, the file may need lender-approved short-sale review.
If the market will not produce a workable bidder and the owner values certainty, a direct or buyer-partner purchase review may be considered around an as-is value framework.
Start with timing, payoff-gap, document, and notice review before choosing a listing, short-sale, or fallback path.
The goal is to expose the property to qualified buyers and, when time and equity allow, review repair-assisted retail before relying on a fast-offer fallback. The as-is purchase path and any partner structure are conditional reviews; no price, closing, or approval is promised.
Options
A normal sale may work if price, payoff, liens, costs, and timing leave enough room to close before the deadline.
If time, equity, access, and repair scope allow, a partner-assisted repair-and-retail listing may be reviewed before falling back to a faster exit.
A short sale may be considered when sale proceeds are not enough to satisfy the mortgage debt, but it requires lender approval.
Some owners can catch up through lender-approved repayment, reinstatement, or other servicer options.
Loan-modification questions should go to the servicer, a HUD-approved housing counselor, or legal counsel.
A deed in lieu may be discussed with the servicer and professional advisors when a sale path is not viable.
Questions about deficiency, tax, bankruptcy, litigation, or foreclosure rights need qualified professional review.
Readiness
The checker captures only the minimum facts needed to route your request. Exact mortgage balances, loan numbers, hardship details, and documents stay out of analytics.
Privacy notice: this form collects contact and property-stage information to respond to your request. Do not enter loan numbers, Social Security numbers, bank credentials, or exact financial balances.
Preparation
The checklist is visible to crawlers and screen readers. Secure upload remains blocked until approved storage is configured.
Do not upload documents until secure storage, privacy notice, and broker review are active.
Guides
YouTube
Videos should explain process, documents, timelines, and common mistakes. The embed below loads only after you choose to play it.
Use the checker to organize minimum facts, then verify deadlines, documents, title, and lender requirements with an authorized person.