Cal. Codes » Civil Code
California Codes

Cal. Civil Code § 2924.15 (2026)

✓ current as of May 2026
Find cases: SyfertCases citing this section CA-LEGleginfo.legislature.ca.gov JustiaCode on Justia CornellLII Search CasesGoogle Scholar

(a)Unless otherwise provided, paragraph (5) of subdivision (a) of Section 2924 and Sections 2923.5, 2923.55, 2923.6, 2923.7, 2924.9, 2924.10, 2924.11, and 2924.18 shall apply only to a first lien mortgage or deed of trust that is secured by owner-occupied residential real property containing no more than four dwelling units.

(b)For purposes of this section, “owner-occupied” means that the property is the principal residence of the borrower and is security for a loan made for personal, family, or household purposes.

Notes of Decisions
Cited in 12 cases (6 in the last 5 years), 2013–2025 · leading case: Mulato v. Wells Fargo Bank, N.A., 76 F. Supp. 3d 929 (N.D. Cal. 2014).
Sort: Relevance Newest Treatment
Mulato v. Wells Fargo Bank, N.A., 76 F. Supp. 3d 929 (N.D. Cal. 2014). · cites it 2× “California Civil Code § 2924.15 provides that “paragraph (5) of subdivision (a) of Section 2924, and Sections 2923.”
Herrejon v. Ocwen Loan Servicing, LLC, 980 F. Supp. 2d 1186 (E.D. Cal. 2013). “” Cal. Civ.Code, § 2924.15(a). *1210 Plaintiffs refer to the property only as their home.”
Badame v. J.P. Morgan Chase Bank, N.A., 641 F. App'x 707 (9th Cir. 2016). “This section applies only to “owner-occupied residential real property,” see Cal. Civ.Code § 2924.15(a), and it is undisputed that the Plaintiffs were not living at the Via Lazo property.”
Penermon v. Wells Fargo Bank, N.A., 47 F. Supp. 3d 982 (N.D. Cal. 2014). “Cal. Civ.Code § 2924.15(a). Further, it only provides procedural protections to foster alternatives to foreclosure; it does not entitle a borrower to a loan modification.”
O'Coirbhin v. PNC Bank, Nat'l Ass'n (N.D. Cal. 2025). · cites it 4× “13 As the Court previously explained, to bring a claim for wrongful foreclosure under the 14 HBOR, a plaintiff must allege, pursuant to California Civil Code § 2924.15, that the property at 15 issue is “owner-occupied”, meaning that it is the borrower’s principal residence.”
Choudhuri v. Specialised Loan Servicing (N.D. Cal. 2020). · cites it 2× “” Cal. Civ. Code § 2924.15 . Choudhuri agrees that Bosco does not 27 hold the first lien mortgage.”
Warren v. PNC Bank Nat'l Ass'n (N.D. Cal. 2023). · cites it 2× “California Civil Code section 2924.15 provides 12 that sections 2923.”
Stephen Meyers v. Freedom Mortg. Corp. (C.D. Cal. 2024). “” 19 Cal. Civ. Code § 2924.15 (a) (emphasis added).”
Wong v. Wells Fargo Bank N.A. (E.D. Cal. 2020). “” Cal. Civ. Code § 2924.15 . The law clarifies “owner-occupied” 21 means “the property is the principal residence of the borrower and is security for a loan made for 22 personal, family, or household purposes.”
Wong v. Wells Fargo Bank N.A. (E.D. Cal. 2023). “” Cal. Civ. Code § 2924.15 . The law further clarifies “owner-occupied” means 1 “the property is the principal residence of the borrower and is security for a loan made for 2 personal, family, or household purposes.”
Alphonso v. Real Time Resolutions, Inc. (N.D. Cal. 2023). “Cal. Civ. Code § 2924.15 (a); see Sheen v.”
Davis v. Rama Capital Partners, LLC (N.D. Cal. 2024). “Under 11 California Civil Code § 2924.15(a), one does not have standing to bring HBOR claims unless (1) 12 one lives in the property or (2) one is a landlord of the property and certain conditions related to 13 the tenant and loan modification are met.”
— Cal. Civil Code § 2924.15(a) — 5 cases
Herrejon v. Ocwen Loan Servicing, LLC, 980 F. Supp. 2d 1186 (E.D. Cal. 2013). “” Cal. Civ.Code, § 2924.15(a). *1210 Plaintiffs refer to the property only as their home.”
Badame v. J.P. Morgan Chase Bank, N.A., 641 F. App'x 707 (9th Cir. 2016). “This section applies only to “owner-occupied residential real property,” see Cal. Civ.Code § 2924.15(a), and it is undisputed that the Plaintiffs were not living at the Via Lazo property.”
Penermon v. Wells Fargo Bank, N.A., 47 F. Supp. 3d 982 (N.D. Cal. 2014). “Cal. Civ.Code § 2924.15(a). Further, it only provides procedural protections to foster alternatives to foreclosure; it does not entitle a borrower to a loan modification.”
Mulato v. Wells Fargo Bank, N.A., 76 F. Supp. 3d 929 (N.D. Cal. 2014). “California Civil Code § 2924.15 provides that “paragraph (5) of subdivision (a) of Section 2924, and Sections 2923.”
Davis v. Rama Capital Partners, LLC (N.D. Cal. 2024). “Under 11 California Civil Code § 2924.15(a), one does not have standing to bring HBOR claims unless (1) 12 one lives in the property or (2) one is a landlord of the property and certain conditions related to 13 the tenant and loan modification are met.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.