JUDICIAL VS. NON-JUDICIAL FORECLOSURE IN CALIFORNIA
In California, there are both “Judicial Foreclosures” and “Non-judicial Foreclosures”. A judicial Foreclosure offers some advantages to lenders, but it requires them to file a lawsuit in court and obtain court approval before selling your home. In contrast, a Non-Judicial Foreclosure allows a lender to sell the home without ever going to court. The process is completed entirely without the supervision of any Court or any other government agency.
In California, the lender can choose to do either a Judicial or non-Judicial foreclosure. The borrower has no say in what type of foreclosure the lender chooses. Because non-judicial foreclosure allows the lender to sell your property without any government oversight, almost all foreclosures in California are Non-Judicial.
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