Foreclosure moves fast in Arizona
If you’re facing foreclosure in Arizona, the timeline is much shorter than most people realize. Arizona is a nonjudicial foreclosure state, which means the process can move from the first notice to auction in about 90 days. Missing a single deadline can cost you options.
At The Offer Company, we break down every step of the calendar, set reminders, and build a personalized plan so you can act before it’s too late.
Click here to talk to Hope — our AI assistant is available 24/7 to explain the timeline and connect you with a local expert.
Arizona’s foreclosure timeline (step by step)
Day 0: Notice of Trustee’s Sale is recorded
Your lender files a notice with the county. You still have rights and options, but it’s critical to act quickly. Start a folder for all letters and documents.
Days 1–30: Stabilize and contact your lender
Request a reinstatement or repayment quote. Gather pay stubs, bank statements, and a hardship letter. Talk to The Offer Company to set up your calendar of next steps.
Days 31–60: Choose your primary path
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Stay: Pursue a loan modification or repayment plan.
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Sell: List the home to protect equity or request a fast cash offer.
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Need time: Request a postponement and explore short-term rental or leaseback options.
Days 61–90: Execute your plan
Submit complete lender packets on time. If selling, go live on the market, review offers, and lock a close date. Confirm any postponement in writing and track your new sale date carefully.
Why timeline guidance from The Offer Company matters
We don’t guess. We map out your deadlines, assign tasks, and remove surprises so you’re never caught off guard. Our guidance keeps you ahead of the trustee sale clock.
Personalized foreclosure action plans
Every homeowner’s situation is different. That’s why we tailor the timeline to:
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Your financial hardship and goals
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Your family’s needs for stability or relocation
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Your available options to stay, sell, or buy time
Hope, our AI assistant, provides reminders and updates throughout the process while our team handles the negotiations and details.
Proof from Arizona homeowners
“I didn’t realize how little time I had. The Offer Company explained my options right away and gave me a timeline I could follow.”
— Karen D., Chandler
What if you need more time?
If the sale date is approaching, we can:
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Request a postponement from the lender
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Line up a buyer quickly
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Prepare a loan modification package
The goal is simple: keep your best options alive while the clock runs.
Common mistakes that waste precious time
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Waiting too long to call the lender
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Sending incomplete documents
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Ignoring mail or certified letters
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Assuming you have no options after a notice posts
Avoiding these mistakes can buy you valuable extra days to act.
Your next three moves
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Get all foreclosure dates on a calendar today
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Pick a path: stay, sell, or get more time
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Assign tasks for documents, calls, and approvals
Learn more and take action today
For plain-English background, the Arizona Attorney General offers foreclosure resources.
Then, talk to The Offer Company for a personalized foreclosure timeline that protects your home, credit, and equity.
Click here to talk to Hope today — she’ll walk you through the dates, explain your options, and help you stay in control.
