The document summarizes the foreclosure process. It begins with a notice of default being recorded with the county recorder if the homeowner misses payments. Then a notice of trustee sale is filed after 90 days if the default is not cured. The property is then auctioned and sold to the highest bidder, or reverted to the lender. A short sale is presented as an alternative that can avoid foreclosure and is beneficial to all parties involved. The document promotes services to help homeowners in default or facing foreclosure.