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You're Not Alone — And You Still Have Options

Financial hardship can feel overwhelming—but you don’t have to face it alone. Every day, thousands of homeowners across the country are navigating similar challenges. And while foreclosure may feel like it’s closing in, it’s important to understand:

You are not in foreclosure—your property is.

That distinction means you still have time, options, and the ability to take control.

Who We Are

We’re Todd and Lizette Souza, founders of California Property Investment Group, a trusted team of real estate professionals based in Sacramento, California. With years of experience and a deep understanding of the local market and foreclosure laws, we’ve helped countless homeowners protect their assets, avoid foreclosure, and move forward with confidence.

Our Mission: Helping You Regain Peace of Mind

We specialize in providing thoughtful, customized solutions for homeowners at risk of foreclosure. Through a combination of industry expertise, legal awareness, and strategic planning, we’ll guide you through your options and help you make the best decision for your situation.

Our services include:

• Preventing foreclosure and protecting your credit
• Accessing fast cash if you choose to sell
• Utilizing legal tools and options to retain control of your property
• Navigating tough decisions with expert guidance and support

Free, No-Obligation Consultation

We offer confidential, no-cost consultations to help you:

• Understand your legal rights as a homeowner
• Explore every available option
• Make an informed, empowered decision that aligns with your goals

Whether your priority is staying in your home, protecting your equity, or simply avoiding long-term credit damage, our team is here to help.

Delivery of Listing Agreement Extends Foreclosure Sale by 45 Days – AB 2424

This new law provides additional time for a homeowner facing foreclosure to successfully sell their property when they list their property for sale. To qualify for this 45-day extension: 1) there must be a signed listing agreement with a licensed California real estate broker, 2) the listing must be placed in a publicly available marketing platform, 3) the executed listing must be sent by certified mail with USPS or other overnight mail courier service with tracking information that confirms the recipient’s signature and date and time of receipt and delivery, and 4) the listing agreement must be received by the trustee at least five business days prior to the scheduled date of sale. Keep in mind that this postponement may be used only one time.

If the sale date is postponed by entering into a listing agreement under this law, the seller is entitled to an additional 45-day postponement if, five business days before the scheduled sale date, the trustee receives a copy of a bona fide, fully-executed purchase agreement that 1) includes the name of the buyer, sales price, closing date and acceptance by the designated escrow agent and 2) has a purchase price that is equal to or greater than the amount of the unpaid balance of all obligations of record secured by the property. The delivery requirements for the purchase agreement are the same as for the listing agreement, and this postponement may also be used only one time.