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The Offer Company explaining Arizona’s nonjudicial foreclosure process through a trustee’s sale

What is a trustee’s sale in Arizona?

In Arizona, most foreclosures happen through a nonjudicial process called a trustee’s sale. This means the lender does not have to go through the courts to foreclose on a home. Instead, the trustee (often a law firm) follows state law to carry out the process.

Nonjudicial foreclosure is designed to be faster and less costly for lenders — which is why the timeline can move so quickly.

Click here to talk to Hope — our AI foreclosure assistant is available 24/7 to explain the trustee’s sale process in plain language and connect you with a local expert.

Step 1: Notice of Trustee’s Sale

  • If you miss several payments, your lender can instruct the trustee to record a Notice of Trustee’s Sale.

  • This notice sets the auction date, at least 90 days from the recording date.

  • It must be mailed to you, posted on the property, and published in a local newspaper.

Step 2: The 90-day countdown

During this period, you remain the legal owner and still have options:

  • Reinstate your mortgage (catch up payments + fees).

  • Apply for a loan modification or repayment plan.

  • Sell the home (list on market or accept a vetted cash offer).

  • Request a postponement if more time is needed.

Step 3: Trustee’s Sale (auction day)

  • The property is sold at a public auction, often held at the courthouse or trustee’s office.

  • Anyone can bid, but the lender typically starts with a credit bid equal to what you owe.

  • If no one bids higher, the home reverts to the lender.

Step 4: After the sale

  • Excess proceeds: If the winning bid is higher than what you owe, you have the right to claim the surplus funds.

  • Deficiency judgments: In most trustee’s sales in Arizona, lenders cannot pursue you for a deficiency balance.

Why trustee’s sales move so fast

Judicial foreclosures can take months or even years, but in Arizona the trustee’s sale process typically moves from notice to auction in about 90 days. That’s why it’s so important to act early and understand your rights.

Proof from Arizona homeowners

“I didn’t realize foreclosure in Arizona was so fast until I got the trustee’s sale notice. The Offer Company explained my options and helped me act before the auction.”
— Carlos M., Mesa

Why trust The Offer Company

At The Offer Company, we’ve guided Arizona families through the trustee’s sale process for years. Our team combines local foreclosure expertise with Hope, our AI assistant, to explain deadlines, options, and next steps in plain language.

Hope is available 24/7 to send reminders, explain notices, and connect you with our experts when you’re ready.

Learn more and take action today

For legal resources, visit the Arizona Courts Self-Service Center.

Then talk to The Offer Company about creating a plan to protect your home, your equity, and your future before the trustee’s sale happens.

Click here to talk to Hope today — and get clear answers about Arizona’s nonjudicial foreclosure process.