Real Estate Investment Opportunities in Fresno, CA

Foreclosure process

California foreclosures are typically non-judicial — most loans use a deed of trust with a power-of-sale clause, letting the lender foreclose through a trustee sale without a court case. Judicial foreclosure is allowed but rare, since it strips the lender of the right to pursue a deficiency judgment.

Property tax delinquency

California counties sell tax-defaulted property at public auction as tax deeds after a default period — five years for residential property, three years for non-residential commercial property — during which the unpaid taxes, penalties, and interest accumulate. There is no tax lien certificate market in California; the county sells the property itself, not a lien against it.