Understanding Arizona’s foreclosure process

Arizona uses a nonjudicial foreclosure process — meaning most foreclosures happen outside of court, through a trustee’s sale. The process moves quickly, often from notice to auction in just 90 days.

If you’re facing foreclosure, knowing each step of the process can help you act before it’s too late.

Click here to talk to Hope — our AI foreclosure assistant is available 24/7 to explain your rights, timelines, and options in plain language.

Step 1: Missed payments

Foreclosure usually begins after you’ve missed several mortgage payments. Your lender will send notices reminding you of the delinquency and warning of possible foreclosure. Acting early at this stage gives you the most options, like repayment plans or loan modifications.

Step 2: Notice of Trustee’s Sale (Day 0)

If payments remain unpaid, the lender records a Notice of Trustee’s Sale with the county. This notice:

• Sets the auction date (at least 90 days away)

• Gets mailed to you and posted publicly

• Marks the official start of Arizona’s foreclosure timeline

Step 3: The 90-day countdown

From the date of the notice, you usually have about 90 days before the auction. During this period you can:

• Reinstate your mortgage by catching up payments

• Apply for a loan modification or repayment plan

• Explore selling your home to protect equity

• Request a postponement for more time

This is the critical window where The Offer Company helps homeowners act strategically.

Step 4: Trustee’s Sale (auction)

If no solution is reached, the home is sold at a public auction. It may go to the highest bidder or revert back to the lender if no bids meet the required amount. At this point, ownership transfers, and eviction may follow if you’re still living in the home.

Step 5: After the sale

• Excess proceeds: If the home sells for more than what you owe, you may be entitled to claim the extra funds.

• Deficiency judgments: In most cases with trustee’s sales in Arizona, lenders cannot pursue you for additional debt if the sale price is less than what you owed.

Why the process feels overwhelming

Arizona’s foreclosure timeline is fast and unforgiving. Missing deadlines or ignoring letters can mean losing valuable time. That’s why having both AI support from Hope and local experts on your side makes a difference.

Proof from Arizona homeowners

“I didn’t realize foreclosure in Arizona could move that quickly. The Offer Company explained the steps clearly and gave me a plan that kept me in control.”
— David L., Phoenix

Why trust The Offer Company

We’ve helped Arizona families navigate foreclosure for years. Our combination of local knowledge, expert negotiators, and Hope (our AI assistant) gives you clarity when you need it most.

Hope is available 24/7 to explain each step, send reminders, and connect you directly with a foreclosure expert.

Learn more and take action today

For a legal overview, visit the Arizona Attorney General’s foreclosure resources.

Then, talk to The Offer Company about creating a personalized timeline and action plan that keeps you ahead of every deadline.

Click here to talk to Hope now — and get step-by-step foreclosure guidance before time runs out.