Need to sell fast? Start by knowing every option.

Pay the past-due amount plus allowed fees to bring the loan current. In California you generally keep this right until five business days before a trustee sale. Often funded by savings, family, or a sale of another asset.

Often fits: A temporary hardship that has passed and the arrears are reachable.

Your servicer may be able to change the loan terms — rate, term, or adding arrears to the balance. The Homeowner Bill of Rights requires them to review a complete application before proceeding to sale. A HUD-approved counselor can help you apply at no cost.

Often fits: Income has recovered enough to carry a modified payment.

A temporary pause or reduction in payments, with the missed amount repaid or deferred later. Ask your servicer directly — terms vary by loan type and investor.

Often fits: A short, defined hardship (medical, job gap, disaster).

Replacing the loan may lower the payment or pull equity to cure arrears. Whether it is possible depends on your credit, equity, and the lender — this site does not offer financing; speak with your lender.

Often fits: Substantial equity and a credit profile a lender will work with.

Even on a short timeline, a well-priced listing in San Diego County usually brings the highest net. With a Notice of Default recorded you generally still have 90+ days before any sale can be scheduled — enough to market properly.

Often fits: Equity, time to show, and a home that presents reasonably.

A direct sale to an investor or cash buyer, often as-is, closing in days to a few weeks. Faster and simpler — and typically below market value. Always compare it to a listing net sheet before signing anything.

Often fits: Tight deadlines, heavy repairs, or a need to leave quickly.

If you owe more than the home is worth, the lender may approve a sale for less than the balance. It takes lender cooperation and time; credit impact is usually less severe than a completed foreclosure. Tax consequences may apply — ask a CPA.

Often fits: Negative equity with a genuine, documented hardship.

Voluntarily transferring the home to the lender to avoid the auction. Lenders usually require a marketing attempt first; the credit impact is serious but often less than a foreclosure sale.

Often fits: No equity, no buyer, and a lender willing to accept it.

A Chapter 13 filing can stop a trustee sale and allow arrears to be repaid over time; Chapter 7 pauses it. This is an attorney conversation — not something to decide from a website.

Often fits: Multiple debts, or a sale date that is days away.