Pine Flat Road Santa Cruz, CA 95060

This is a Pre-foreclosure property. Pre-foreclosure is the first stage of the foreclosure process in which a homeowner has defaulted on his or her mortgage payments, but still has the opportunity to stop the foreclosure by catching up on defaulted payments or paying off the entire loan balance - usually by refinancing or selling the property. Homeowners in pre-foreclosure are often motivated sellers who want to avoid losing their property at public auction.

Notice of Default is the initial document filed by an attorney or trustee on behalf of the foreclosing lender that starts the foreclosure process.