Foreclosure & Bankruptcy Recovery
A Foreclosure Date Isn't the End. It's a Deadline We Can Beat.
Banks look at your credit report. We look at your property. If there's real equity, a foreclosure notice or a past bankruptcy doesn't disqualify you — it just means the clock matters more.
No minimum credit score. Asset-based underwriting. Direct answers in 24 hours, because in these situations, waiting is the one thing you can't afford.
Program Parameters
Foreclosure & Bankruptcy Recovery
Funding solutions for borrowers navigating foreclosure or emerging from bankruptcy. We look at the asset and the deal, not just the credit score.
Situations We Resolve
When the Property Is Strong but the Story Is Complicated
These are exactly the loans banks won't make — and exactly where direct private capital exists to help.
Foreclosure Bail-Out
A Notice of Default or trustee sale date is on the calendar. We pay off the foreclosing lender, stop the sale, and replace panic with a manageable plan — sell, refinance, or recover.
Post-Bankruptcy Rebuild
You emerged from Chapter 7 or 13 and every conventional lender wants years of waiting. If your property has equity, we lend now — so the bankruptcy becomes history instead of a holding pattern.
Exit From Chapter 13 Plans
Property equity can pay off a Chapter 13 plan early and end the payment plan years ahead of schedule. We work with your bankruptcy attorney on court approval where required.
Reinstatement & Arrears Catch-Up
Sometimes you don't need to replace the whole loan — you need capital to reinstate it. We structure loans that cure the default and stabilize the position.
Maturity Default Refinance
Your balloon came due and the refinance fell through — now default interest is compounding. We pay off the matured note and stop the bleeding while you arrange the permanent exit.
Protecting Inherited Property in Default
You inherited a property already in foreclosure — the estate can't move fast enough and the sale date won't wait. We fund on the property's equity and buy the estate time to act.
The CDF Difference
Why Borrowers in Recovery Choose CDF
No minimum credit score — the property qualifies, not the report
We move on foreclosure timelines, not bank timelines
Post-bankruptcy lending without multi-year waiting periods
Discreet, judgment-free process from people who've seen it all
How It Works
From First Call to Funded in 4 Steps
A streamlined process built to close in as few as 7 business days.
Apply
Submit your loan inquiry online or by phone. We respond within 24 hours with an initial assessment and preliminary terms.
Underwrite
Our team evaluates the property and deal structure. We order the appraisal, title, and complete our due diligence.
Approve
Receive your commitment letter and clear closing conditions. We work with your escrow and title to prepare for funding.
Fund
Sign documents and receive your funds. We close in as few as 7 days from completed application. Fast, simple, done.
Common Questions
Foreclosure/BK Loan FAQs
Can I get a loan to stop a foreclosure in California?
Yes, if the property has sufficient equity. A foreclosure bail-out loan pays off the foreclosing lender before the trustee sale, stopping the foreclosure. The key variable is time — call us the day you decide to act, because every week of delay adds fees and shrinks options.
How soon after bankruptcy can I get a loan?
There's no mandatory waiting period with us. Conventional lenders impose 2–4 year waits after bankruptcy; our underwriting is asset-based, so a discharged bankruptcy with a strong property can fund right away.
Is there really no minimum credit score?
Really. We underwrite the property value, the equity position, and the exit plan. Credit history explains the past; the asset secures the loan.
What are the terms on foreclosure recovery loans?
Up to 60% LTV, $100K to $2M, terms of 6 to 24 months, rates from 11.99%. The conservative LTV is what makes lending possible in these situations at all — it protects both sides.
How fast can you fund before a trustee sale date?
In as few as 7 days from completed application. If your sale date is closer than that, call (626) 796-1680 immediately — depending on the situation there may still be a path, but hours matter.
Will you work with my bankruptcy or foreclosure attorney?
Yes — we prefer it. Where court approval is required, we coordinate directly with your counsel and structure the loan to fit what the court will approve.
Explore More
Related Loan Programs
Tell Us About Your Deal
One call gets you a straight answer and preliminary terms within 24 hours. If we can't do the deal, we'll tell you that too — fast.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms shown are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831