How long does it take for a bank to do a foreclosure or start a foreclosure on my house if I am three months behind on the mortgage?

From the recording of the office "Notice of Default and Election to Sell" (NOD), the lender must wait 90 days before recording the "Notice of Sale" (NOS) and the Trustee's Sale can NOT occur sooner than 111 days. However, your lender may delay the recording of the NOD and/or the NOS.

It typically takes 5 months or more from the time the bank starts the foreclosure process until it can hold the foreclosure sale. It would take the new owner a few weeks after that to evict you.

You have 90 days from the Notice of Default.

They first need to contact you and offer you foreclosure alternatives. Then they need to record and serve you with a notice of default. About 60 days after that they can record a notice of trustees sale It will take 3-4 months. You should consider a short sale for the property as an alternative to a foreclosure. This would give you more time to live in the property and you have greater control as to when you would have to move. The State of California does have several programs that might be able to help you.