How do I get a home out of foreclosure?

You will need to bring your mortgage current or have a loan modification agreement in place.
You should call your mortgage company to see if you have options available. Calling an attorney would be a good idea to help you.

Steps to Stop Foreclosure in California
Call your mortgage lender as soon as you miss a payment or receive a Notice of Default (NOD).
Why: California’s Homeowner Bill of Rights requires lenders to explore alternatives before foreclosing. They may offer a repayment plan, forbearance, or loan modification.
Find the loss mitigation department on your mortgage statement. Have financial details (income, expenses) ready to negotiate.
Explore Loss Mitigation Options
Repayment Plan: Add missed payments to future ones (e.g., $300/month extra for a year).
Forbearance: Pause or reduce payments for 3–6 months, ideal if you’re waiting on your home sale.
Loan Modification: Adjust terms (e.g., lower rate or extend loan) to make payments affordable. California law mandates lenders consider this.
Sell the home for less than the mortgage balance with lender approval. A real estate agent can list it as a short sale.
Deed in Lieu of Foreclosure: Hand the home back to the lender to clear the debt, avoiding foreclosure’s credit hit.
File for Bankruptcy (Last Resort)
File for Chapter 13 bankruptcy to trigger an “automatic stay,” pausing foreclosure while you create a 3–5-year repayment plan.

Talk to the lender who hold the note on the property. They have a whole department that will assist you in the steps necessary and get you the amount needed to bring it out of foreclosure.

Best and fastest step is start conversation with lender.