Every missed payment narrows your options and deepens the credit damage. Call (619) 734-7306 today — even if you've only missed one payment.
Behind on Your San Diego Mortgage — Here's the Honest Truth
If you're behind on your mortgage payments in San Diego, the worst thing you can do is wait and hope it resolves itself. The best thing you can do is understand your options immediately and act on the one that protects your future most. Mewawa Group will show you every option honestly — not just the one that earns us a commission.
Your Options — Ranked by Credit Protection
| Option | Credit Impact | Time to Resolve | Cost to You |
|---|---|---|---|
| Loan Reinstatement | Minimal if done fast | Immediate | All arrears + fees |
| Loan Modification | Minimal | 30–90 days | $0 typically |
| Short Sale | 2–4 years on credit | 30–90 days | $0 to seller |
| Cash Sale to Mewawa | Stops damage immediately | 7–14 days | $0 fees |
| Foreclosure | 5–7 years on credit | Forced timeline | Legal fees + more |
What Happens If You Do Nothing in San Diego
After 90 days of missed payments, your lender can file a Notice of Default — making your foreclosure a matter of public record. After that you have approximately 111 days before your home can be sold at auction. Once the auction happens, your options disappear and you lose everything — equity, your home, and your credit for 7 years.
Behind on your mortgage in San Diego?
Call (619) 734-7306 today — free, honest, no judgment. We'll show you every option and recommend the one that protects you most.
Frequently Asked Questions
How many payments can I miss before foreclosure starts in California?
California lenders typically begin foreclosure proceedings after 3–4 missed payments, though this varies by lender and loan type. Once 3 months of payments are missed, a lender can file a Notice of Default — starting the formal foreclosure clock. Do not wait — call (619) 734-7306 the moment you miss your first payment.
Can I sell my San Diego house if I'm behind on mortgage payments?
Yes — and you should act quickly. A short sale or cash sale can be completed before foreclosure is finalized. The sooner you contact Mewawa Group, the more options you have and the better your credit outcome.
What is the difference between a short sale and foreclosure for my credit?
A short sale typically impacts your credit for 2–4 years and allows you to buy again in 2–3 years. A foreclosure stays on your credit for 5–7 years. Acting now — even if you've already missed payments — produces a dramatically better outcome than waiting for foreclosure to happen.
Does Mewawa Group charge fees to help me if I'm behind on my mortgage?
No. Our consultation is completely free. If we purchase your home for cash, there are zero fees charged to you. If we list your home as your agent, commission applies and is fully disclosed in writing before you commit to anything.
Mewawa Group · Jeffrey Vidal, CA DRE #01821172 · Veteran-Owned · Big Block Realty · DRE #02248983