Concord · Contra Costa County · Free Confidential Help
Avoid Foreclosure in Concord.
You Have Options.
Concord sees a steady flow of divorce-driven and medical-event pre-foreclosures, particularly in the older Monument Corridor housing stock. Owners here tend to have 15–25 years in the home and significant equity that's worth protecting through a controlled sale rather than auction. Whether you want to keep the home, sell on your terms, or walk away clean, a licensed Henry David Real Estate agent who works Concord will sit with you, look at the numbers, and lay out every option. No pressure. No fee. No catch.
What we see most in Concord
The situations that bring homeowners to us
We work cases across Concord — Dana Estates, Crystyl Ranch, Sun Terrace, Monument Corridor, and Concord Boulevard. If your property is anywhere in Contra Costa County, we can help.
What we will walk through with you
Seven Ways Concord Homeowners Avoid Losing Their Home
Every situation is different. The right move depends on your equity, your income, where you are in the timeline, and what you actually want. Here is the full menu.
Reinstatement
Catch up the missed payments + fees in a lump sum and stop foreclosure cold. Best if you had a short-term setback and money is coming.
Loan Modification
Negotiate with your lender to lower the payment, extend the term, or roll arrears into the balance. We help you build the package.
Forbearance Plan
A formal pause or reduction in payments while you recover. Lenders often agree — they want to avoid foreclosure too.
Short Sale
Sell the home for less than the mortgage balance. The lender approves the discount; the deficiency is typically forgiven. Saves your credit vs. a foreclosure.
Cash Sale (Off-Market)
If you have equity, we can buy or place the home with our investor network. Close in 14–21 days, walk with the equity, avoid foreclosure on your record.
Traditional Listing
If you have equity and time, listing on the open market usually nets the most money. We move fast and price aggressively when the clock is ticking.
Deed in Lieu
Voluntarily hand the deed to the lender in exchange for canceling the debt. Less damaging than a full foreclosure on your record.
California foreclosure timeline
Where Are You Right Now?
The earlier you call, the more options stay on the table. Even at the trustee-sale stage, there are still moves — they are just narrower.
- 1
Day 1
You miss a payment. Late fees start.
- 2
Day 30–90
Lender sends demand letters. Reinstatement is still cheap here.
- 3
Day ~90
Notice of Default (NOD) recorded. You have 90 days to cure.
- 4
Day ~180
Notice of Trustee Sale (NOS) posted. Auction set ~21 days out.
- 5
Auction Day
Home sold on the courthouse steps. You can be evicted shortly after.
Contra Costa County Recorder
Where Concord Notices Are Filed
Contra Costa County Clerk-Recorder
555 Escobar St, Martinez, CA 94553
www.contracosta.ca.gov/191/Clerk-RecorderYour Notice of Default and Notice of Trustee Sale are recorded here. They become public record once filed — meaning you may start getting unsolicited mail from wholesalers and "we buy houses" companies within days. We are happy to explain the difference.
Contra Costa County Trustee Sales
Where Concord Auctions Happen
On the courthouse steps, 725 Court St, Martinez
Weekdays at 10 AM or 1:30 PM, varies by trustee.
If your home is scheduled for sale, the auction will happen at this location unless we (or you) successfully postpone or cancel it. Postponements are common — and a postponement gives us more time to execute a better outcome.
Free local resources
HUD-Approved Help for Concord Homeowners
These are independent non-profit housing counselors serving Contra Costa County. They provide free foreclosure-prevention counseling, loan modification help, and mediation. We are not affiliated with them — we list them because every Concord homeowner facing default deserves to know they exist.
Community Housing Development Corporation of North Richmond
FreeBay Area Legal Aid
FreeFree legal help for low-income homeowners across the 7-county Bay Area.
CalHFA Keep Your Home California
FreeState-funded mortgage assistance programs.
Request a free Concord consultation
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An agent who works Concord will call within 24 hours. Everything you share stays between you and our team. You are not committing to anything by filling this out.
Other Bay Area cities we help
Foreclosure help nearby
A note on foreclosure rescue scams
California has strict rules on who can help homeowners in default — for good reason. We will never ask you to sign over your deed, pay upfront for "rescue services," or skip talking to your lender. If anything we suggest feels off, ask us why. Get a second opinion. Your Concord home is worth that caution.