Foreclosure Timeline in San Diego and the rest of California.
Day 1 - Notice of Default (NOD) gets recorded
Within 10 Days - Notice of Default is mailed
30 Days - Notice of Default is mailed
3 months - Lender can have a sale date set by the Trustee
At least 20 days before sale - Publish, Post and mail notice sale.
25 Days before sale - Notification to IRS if necessary
10 Days after first notification - Send info to beneficiaries
The above is basic non judicial foreclosure timeline for California. Typically a lender waits for a few payments are missed, before commencing the foreclosure process, however there is no guarantee the lender will grant a homeowner extra time.