With a deed of trust, the lender begins the foreclosure process by instructing the trustee to file and record a notice of default in the county where the property is located and to mail a copy to all borrowers and to those who have requested such notice within

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In California nonjudicial foreclosure, the process starts when the trustee records a Notice of Default after a borrower defaults. The key timing rule is that a copy of that Notice of Default must be mailed to all borrowers and to anyone who has requested such notice within ten business days after the recording date. Counting business days means weekends and holidays don’t count, so the ten days are the actual working days following the recording.

This short, defined window ensures timely notice to interested parties while the foreclosure process proceeds. The other options—longer intervals like thirty or twenty days or an even shorter five-day window—don’t match the statutory requirement, which is set at ten business days.