California Civil Code

§ 2924.18

CIV § 2924.18 Effective Jan 1, 2026Div. 3 · Title 14 · Part 4 · Ch. 2 · Art. 1

Statute text

(a)(1) If a borrower submits a complete application for a first lien loan modification offered by, or through, the borrower’s mortgage servicer at least five business days before a scheduled foreclosure sale, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent shall not record a notice of default, notice of sale, or conduct a trustee’s sale while the complete first lien loan modification application is pending, and until the borrower has been provided with a written determination by the mortgage servicer regarding that borrower’s eligibility for the requested loan modification.

(2)If a foreclosure prevention alternative has been approved in writing prior to the recordation of a notice of default, a mortgage servicer, mortgagee, trustee, beneficiary, or authorized agent shall not record a notice of default under either of the following circumstances:

(A)The borrower is in compliance with the terms of a written trial or permanent loan modification, forbearance, or repayment plan.

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Legislative history

Amended by Stats. 2025, Ch. 200, Sec. 6. (AB 1521) Effective January 1, 2026.