Hi, I’m Michelle, and I’m Here to Help You Navigate Pre-Foreclosure

I am a licensed Real Estate Broker with over 14 years of experience in the real estate industry. I am also proud to hold the Short Sale and Foreclosure Resource (SFR®) Certification, a credential that equips me with the expertise to guide homeowners through challenging situations like short sales and pre-foreclosure.

 

I’m passionate about empowering homeowners by providing clarity, support, and the resources you need to protect your home and financial future. My mission is to stand by your side as a trusted guide, ensuring you feel confident and informed every step of the way.

 

Specializing in foreclosure prevention, I am dedicated to helping you explore your options and find solutions that best suit your needs. Whether you’re seeking to avoid foreclosure, understand your rights, or explore alternatives like a short sale, I am here to provide the knowledge and tools you need to make informed decisions.

 

Together, we can face these challenges and create a plan that works for you. Let’s take the first step toward a brighter future today!

Learn How to Navigate Pre-Foreclosure and Save Your Home

Explore our video resources for expert advice on buying, selling, and preventing foreclosure. This featured video explains your options, provides insights into foreclosure timelines, and highlights new protections under AB 2424.  Together, we can find the best solution for your situation.

Watch now and take the first step toward securing your home and future.

Worried About Foreclosure Find Hope
This is Just a Season


Foreclosure can feel overwhelming, and understanding your rights and alternatives can make all the difference. This page is designed to provide you with the tools and information you need to take control of your situation.


What’s New in California Law?
Did you know that new protections under California law, effective January 1, 2025, could give you the time and flexibility you need to find a solution?


Here’s how Assembly Bill 2424 can help:

• 45-Day Extension with a Listing Agreement: By working with a real estate professional like me to list your home, you can delay a foreclosure sale by 45 days.
• 45-Day Extension with a Purchase Agreement: Securing a buyer and submitting a purchase agreement could extend this timeline by an additional 45 days.


VIEW Assembly Bill 2424

 
Explore the Resource Hub
Take a closer look at our comprehensive tools and guides, including:

• A step-by-step Foreclosure Timeline to help you understand the process.
Guidance on Notices of Default (NOD) and Notices of Trustee’s Sale (NOT).
• Strategies for avoiding scams and protecting yourself.


You don’t have to face this alone. Explore these resources and feel empowered to take the next step toward protecting your home.


Disclaimer: I am a licensed real estate professional specializing in providing foreclosure prevention resources and guidance. Please note that I am not a legal or tax advisor. For specific advice regarding your legal rights, tax implications, or financial obligations, consult a qualified attorney, tax professional, or financial advisor. The content on this page is intended solely to provide general information and resources to help homeowners explore their options. It is not a solicitation if your property is currently listed with another real estate professional or if you are already working with a licensed realtor.

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YOU ARE NOT ALONE IN THIS—I’m here to help every step of the way.

I encourage you to connect with me. Together, we can review your options, answer your questions, and take proactive steps to protect your interests.

 

I'd like to invite you to my Resource Hub.

 

Your go-to destination for everything you need to navigate pre-foreclosure with confidence and clarity.

 

Inside, you’ll find carefully curated resources designed to help you understand your options, protect your home, and plan your next steps.

 

Here’s what’s included:

 

Foreclosure Timeline: A step-by-step guide to understanding the foreclosure process.
Alternatives to Foreclosure: Explore solutions like loan modifications, short sales, and refinancing.
How to Respond to Notices: Clear instructions for handling Notices of Default (NOD) and Notices of Trustee’s Sale (NOT).
Avoiding Scams: Tips to protect yourself from foreclosure scams.
Homeowner Liability: Understand your rights and potential liabilities after foreclosure.
Additional Resources: Links to trusted organizations, legal guidance, and support services.

 

Access these tools to take control of your situation, make informed decisions, and move forward with confidence.

MY BLOGS

feature image of 2025 California Real Estate Laws Explained: What You Need to Know
2025 California Real Estate Laws Explained: What You Need to Know
California’s real estate market is seeing significant updates in 2025 with new laws affecting homeowners, renters, landlords, buyers, and sellers alike. From accessory dwelling units (ADUs) to tenant protections, these changes aim to address California’s evolving housing landscape. In this blog post, I’ve highlighted some of the most impactful updates, but there’s even more to explore! To see the complete list of new laws, check out the link to the California Association of Realtors resource mentioned at the end of this post. Disclaimer: I am a real estate Broker Associate, not an attorney. This information is sourced from the California Association of Realtors and is provided for educational purposes only. For specific legal advice or assistance, please consult a qualified attorney. Let’s dive into the changes that could affect you in the coming year. ADU Amnesty Extension Changes provide property owners a streamlined path to legalizing unpermitted accessory dwelling units (ADUs). Before the New Law:Unpermitted ADUs were often required to comply with strict building codes to become legalized, which was costly and time-consuming. The previous amnesty program under SB 897 only covered ADUs built before January 1, 2018. What’s Changing in 2025: The new law, Assembly Bill 2533, expands the amnesty program to cover unpermitted ADUs and junior ADUs built before 2020. Local agencies will now use habitability standards instead of rigid building codes to assess safety. Fees waived: Retroactive impact fees, connection fees, and capacity charges are exempt in most cases. Expanded eligibility: Properties built between January 1, 2018, and January 1, 2020, now qualify. Why This Matters:This extension gives property owners an affordable path to legalize their units, making homes safer and increasing property value. Legalized ADUs are a huge plus when selling, as they provide additional living space for multi-generational families and rental income opportunities. Balcony Inspection Deadline Extension Changes aim to provide more time for compliance with balcony safety inspections. Before the New Law:Under the previous law, wooden balconies and elevated elements in buildings with three or more units required inspections by January 1, 2025. What’s Changing in 2025: The new law, Assembly Bill 2579, extends the inspection deadline to January 1, 2026. Why This Matters:This extra year allows property owners more time to comply with safety requirements, helping to avoid penalties while ensuring the safety of tenants. Buyer Representation Agreements A new law formalizes the relationship between buyers and their agents. Before the New Law:It was optional for buyers and agents to have a written agreement, and offers could be made without formalizing expectations regarding fees, responsibilities, and services. What’s Changing in 2025: Agents and buyers must sign a Buyer Representation Agreement before an offer is submitted. Agreements must include details such as: Compensation of the broker Services to be rendered Contract termination policies A three-month limit for agreements, except in special cases (e.g., agreements with corporations). Why This Matters:This law enhances transparency for buyers by clearly outlining what to expect from their agent, ensuring a better-informed and collaborative relationship. Contractor Exemptions The threshold for unlicensed contractor work is significantly increased. Before the New Law:Unlicensed contractors could only take on projects where the total cost (labor, materials, etc.) was $500 or less. What’s Changing in 2025: The new law increases the threshold to $1,000, provided the unlicensed contractor discloses their status in advertisements. Why This Matters:This update reflects the rising costs of labor and materials, giving homeowners more flexibility in hiring contractors for smaller projects without requiring a licensed professional. Gas-Powered Appliance Disclosures New rules aim to improve transparency and safety for buyers. Before the New Law:There were no requirements for sellers to disclose local or state regulations regarding gas-powered appliances. What’s Changing in 2025: Sellers must disclose any state or local requirements for replacing gas-powered appliances. Buyers are advised to conduct an electrical system inspection before purchase, including panels and wiring. Why This Matters:These changes ensure buyers are aware of potential costs and safety risks associated with outdated gas-powered appliances, preventing unexpected issues during escrow. Tenant Rights and Protections Lock Changes for Abuse Victims Before the New Law:Landlords were required to change locks upon written request from abuse victims, but tenants often bore the cost. What’s Changing in 2025: Landlords are now responsible for covering the cost of lock changes. Protection extends to immediate family or household members of the victim. Landlords cannot deny tenancy to abuse victims based on their use of lock change protections. Why This Matters:These changes prioritize tenant safety and prevent discrimination, ensuring victims have a secure and supportive housing environment. Tenant Screening and Fees Before the New Law:Landlords could charge application fees even if no rental units were available, and refund policies were inconsistent. What’s Changing in 2025: Landlords can only charge application fees if a unit is available or will be available soon. Refunds are mandatory for rejected applicants within 7 days. Landlords must disclose written screening criteria upfront, and applications must be processed in the order received. Why This Matters:This law adds transparency and fairness to the rental process, preventing tenants from wasting money on unavailable units. Positive Credit Reporting Before the New Law:Landlords were not required to report positive rental payments to credit bureaus. What’s Changing in 2025: Landlords must offer tenants the option to have positive rental payments reported to at least one major credit bureau. Why This Matters:This change allows tenants to build their credit history, helping them qualify for better loans and financial opportunities. Move-In and Move-Out Photos for Security Deposits Before the New Law:Security deposit deductions were often disputed due to a lack of documentation. What’s Changing in 2025: Landlords must take move-in, move-out, and post-repair photos to justify any deductions. Why This Matters:This requirement ensures transparency and reduces disputes over security deposits, protecting both landlords and tenants. Probate and Small Estate Exemptions Changes to probate laws bring a significant increase in the small estate exemption, aimed at helping low and middle-income families retain financial security. Before the New Law:The small estate exemption was capped at $184,500, and it applied to all types of real property, including commercial, vacant land, or residential properties. What’s Changing in 2025: The exemption limit will now be raised to $750,000, but it is limited to primary residences of the deceased. Non-primary residential properties like commercial or vacant land will no longer qualify for this exemption. Why This Matters:The updated threshold significantly benefits families inheriting a loved one’s primary home by enabling a faster, less expensive probate process. However, families inheriting non-primary residences may now need to go through traditional probate procedures. This change ensures that families can safeguard their primary residences without additional financial burdens, especially in California’s high-value real estate market. Swimming Pool Safety Standards Before the New Law:Pools and spas required at least two safety features but lacked detailed inspection standards. What’s Changing in 2025: Home inspectors must report whether pool safety features are operable, in good repair, and appropriately labeled. Revised requirements for safety features include better labeling and operability standards. Why This Matters:This change enhances safety for families and ensures compliance with modern standards during inspections. Stay Informed and Protected These new laws are designed to protect California residents and ensure transparency in real estate transactions. Have questions? Schedule a free 15-minute consultation with me here. Let’s navigate these changes together!   Source:California Association of Realtors (C.A.R.) New Laws for 2025.
feature image of Housing Market Update November 28, 2024: Rising Builder Confidence and What It Means for Buyers and Sellers
Housing Market Update November 28, 2024: Rising Builder Confidence and What It Means for Buyers and Sellers
  As we head into December, the housing market is seeing some significant shifts, driven by rising builder confidence and adjustments in pricing and active listings. Whether you're a buyer, seller, or simply keeping an eye on the market, these trends could shape your next move. Let’s dive into the latest updates and what they mean for you. Builder Confidence on the Rise According to the National Association of Home Builders (NAHB) Housing Market Index, builder confidence has been steadily improving. In November, the index rose by three points to 46, marking its highest level since April 2024. This increase in builder sentiment is attributed to the recent political shift, with builders optimistic that regulatory relief could be on the horizon. Such changes may ease long-standing challenges in the construction industry and pave the way for smoother operations in the years to come. Current Challenges in the Market Despite the rise in optimism, builders continue to face key challenges: Labor Shortages: Finding skilled labor remains a pressing issue for the construction industry. Limited Buildable Lots: A lack of suitable land for new development continues to constrain growth. However, with potential regulatory adjustments on the horizon, builders are hopeful that some of these barriers may soon be alleviated. Pricing and Incentives Trends The market has also seen some notable adjustments in pricing and incentives: Price Reductions Decrease: The percentage of builders cutting home prices dropped slightly from 32% in October to 31% in November. Sales Incentives Decline: The use of incentives to attract buyers, such as upgrades or closing cost assistance, also fell from 62% to 60%. These subtle shifts indicate growing confidence among builders and suggest that the market may be stabilizing. Increase in Active Listings One of the most encouraging trends for buyers is the consistent rise in active listings. October marked the tenth consecutive month of increased inventory, offering buyers more options than they’ve had in recent months. For sellers, this means greater competition, making it essential to price your home strategically and prepare it to stand out in a growing market. What This Means for You For Buyers:The rise in builder confidence and active listings means more opportunities to find your dream home. However, with price cuts and incentives slowing, it’s crucial to act strategically and work with an expert who understands the market. For Sellers:As inventory grows, sellers may face more competition. This could require more careful pricing and enhanced marketing strategies to attract buyers and secure a sale. Conclusion The December housing market is filled with opportunities and challenges, from rising builder confidence to increasing inventory levels. Whether you’re buying, selling, or simply staying informed, understanding these trends can help you make smarter real estate decisions. If you have questions about how these changes impact your specific situation or are ready to take the next step, I’d love to help. Contact me today to get started!
feature image of Stress-Free Home Selling: Guided Meditation to Attract the Ideal Buyer & Best Offer
Stress-Free Home Selling: Guided Meditation to Attract the Ideal Buyer & Best Offer
  Selling a home is much more than a financial transaction. It’s an emotional journey of letting go, envisioning new possibilities, and welcoming a fresh start. By incorporating mindfulness through a guided meditation for home sellers, you can ease the stress and enhance your connection with the process. This meditation focuses on manifesting the ideal buyer, achieving the best price and terms, and setting intentions for a joyful and smooth sale. 🏡✨ Why Meditation for Home Sellers? The process of selling a home can be overwhelming, but meditation offers a powerful way to manage the emotional aspects of this journey. Through real estate meditation, you can reduce stress, stay focused, and visualize a successful outcome. Setting positive intentions helps you feel aligned, opening space for the right buyer and best offer. Preparing for Your Selling Meditation Before starting, take a moment to create a peaceful space. Find a comfortable seat, dim the lights, and allow yourself to be fully present. Take a deep breath, close your eyes, and invite calm energy to enter your body. Setting Your Selling Intention 🌅 Begin by setting a clear intention for selling your home. Picture yourself putting your home on the market with confidence and peace. Visualize your property as an inviting space, ready to welcome a buyer who will appreciate its beauty, value, and history. Affirmation: “I am ready to let go of this home and embrace new beginnings. I trust that the universe will bring the perfect buyer who will love and care for this home as much as I have.” Visualizing Your Ideal Buyer 🏠 Now, imagine the ideal buyer walking through the front door, feeling an instant connection with your home. Picture them appreciating each room and feeling excited about the memories they’ll create in this space. This positive visualization invites the right buyer, creating a harmonious selling experience. Affirmation: “The perfect buyer is already on their way. They are excited, ready, and will see the full value of this home.” Manifesting the Best Price and Terms 💸 Set a financial intention that aligns with the value you know your home holds. Imagine receiving the best possible offer, one that supports your future goals and dreams. Embracing abundance helps attract a price that reflects the care and love you’ve put into your home. Affirmation: “I am open to receiving the highest and best offer. I trust that the universe is aligning everything for my benefit.” Releasing Doubts and Trusting the Process 🌈 Throughout the selling journey, doubts may arise. Acknowledge these feelings without judgment, and picture them floating away in a gentle stream. Replace any lingering uncertainty with a deep trust in the process, knowing that everything will unfold perfectly. Affirmation: “I trust the universe to bring the ideal buyer, the ideal offer, and the ideal timing. I release all doubts and embrace the joy and ease of this journey.” Requesting a Sign from the Universe 🔍 Sometimes, a little reassurance goes a long way. Quietly ask the universe for a sign, a symbol, or a number that will affirm you’re on the right path. When you see this sign, it will be a reminder that everything is aligning for your highest good. Centering in Peace and Gratitude Close this meditation by visualizing the perfect outcome for your sale—a smooth, joyful experience and an abundant offer. Thank yourself for taking this time to align with your intentions and trust in the journey. Remember, you can revisit this meditation anytime to ground yourself and reconnect with your vision. Final Thoughts Selling a home with mindfulness and intention can transform the experience, creating a pathway for ease, abundance, and joy. 🌌 By aligning with positive affirmations and visualizing success, you invite the right energy into your home-selling process. Wishing you a peaceful journey, filled with clarity, confidence, and fulfillment.

REVIEWS

She helped us to purchase a house, and even the seller's realtor stated that she picked our offer because of the way Michelle wrote the proposal and her negotiation skills. If you are out there looking for a house and your offer are being rejected, I urge you to contact the most outstanding realtor in Town. "My personnel outstanding realtor: "Michelle Esquivel". Kudo Michelle, and thanks a million for all your help.

Maggie 2nd Time Home Buyer

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