The timeline displayed here is typical in a California non-judicial foreclosure.  The foreclosure timeline does not begin until the lender feels they have exhausted all avenues for curing the payment delinquency.  Normally, this happens after the borrower has missed three monthly mortgage payments and the Notice of Intent to Foreclose has expired.  The borrower has probably been contacted by the lender several times prior to beginning the foreclosure process.  The official foreclosure process then begins by the lender contacting a Trustee and instructing them to file a Notice of Default.

CALENDAR	DESCRIPTIONS
Start (Days 1-3)	Notice of Default recorded with the County Recorder.
Within 10 Business Days	Trustee mails Notice of Default to borrower(s) and anyone with a Special Request for Notice.
Within 1 Month	Mail Notice of Default to all parties with an interest in title.
After 3 Months	Set sale date.
25 Days Prior to Sale Date	Send Notice of Sale to IRS (if applicable)
20 Days Prior to Sale Date	Publish Notice of Sale - Post Notice of Sale - Mail Notice of Sale - Begin Publishing Notice of Sale in an adjudicated newspaper (Must run 3 consecutive weeks)
14 Days Prior to Sale Date	Record the Notice of Sale with County Recorders Office.
7 Days Prior to Sale Date	Trustee cannot sell for 7 days after expiration of bankruptcy court order.
5 Business Days Prior to Sale Date	The borrower's right to reinstate expires.
Sale Date	The property is sold to highest bidder or reverts back to the lender.

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This Information is deemed reliable but not guaranteed!