Legal Question in Real Estate Law in California

Steps to take in order to do what? If you've stopped paying, normally, within 3 months you will receive a Notice of Default, which is the first step to foreclosure, although some banks are taking a lot longer than 3 months now. But, eventually, the foreclosure process will take place and you'll lose the house. Unless you're able to get a loan-modification from the bank. Stopping payment on your mortgage will also immediately hurt your credit as the missed payments will be late.