No Dual Tracking Law Explained
How California law protects homeowners from foreclosure while exploring relief options
Learn How This Law Protects You
What Is the No Dual Tracking Law?
The No Dual Tracking Law prevents lenders from continuing foreclosure proceedings while your loss mitigation application is being reviewed.
This means you can submit a complete package to your lender — whether for a loan modification, short sale, or other solution — and the lender is required to pause foreclosure activities.
This is one of the most important homeowner protections available — but only when used correctly.
Key Points Homeowners Should Know
Submit a Complete Application
Incomplete documents may void protection. Every required document must be included.
Include Proof of Hardship
Job loss, illness, divorce, or other qualifying circumstances must be documented.
Lenders Must Acknowledge
Your lender must acknowledge your application and cannot proceed with foreclosure during review.
Timing Is Critical
Acting early maximizes leverage and preserves equity. Waiting reduces your options.
Common Mistakes That Void Protection
Incomplete Application
Missing even one required document can void the entire protection.
Missing Deadlines
Failing to respond to lender requests within required timeframes.
Insufficient Hardship Documentation
Vague or unsupported claims of financial hardship.
Waiting Too Long
Submitting application after foreclosure sale date has been set.
How We Help You Use This Protection
We guide homeowners in preparing complete applications and provide written instructions so lenders cannot reject due to technicalities. Taking action now ensures you retain options and control over your property.
Call Cliff: 619-601-4299Get Help With No Dual Tracking Protection
Share your situation and receive guidance on how to properly use this important protection.
Or call Cliff directly:
619-601-4299