The Offer Company explaining HOA foreclosure rules in Arizona

Can your HOA really foreclose?

Yes. In Arizona, homeowners’ associations (HOAs) have the power to foreclose if you fall behind on dues, assessments, or fees. Even if your mortgage is current, HOA debt can trigger foreclosure.

That’s why it’s critical to know the rules — and your rights.

Click here to talk to Hope — our AI foreclosure assistant is available 24/7 to explain HOA foreclosure timelines in Arizona and connect you with local help.

Arizona HOA foreclosure basics

Delinquency threshold: HOAs can usually foreclose if you’re 12 months behind or owe $1,200 or more in unpaid assessments (ARS §33-1807).
Lien priority: HOA liens are junior to the first mortgage but can still lead to foreclosure.
Process: Similar to other foreclosures, HOAs record a lien and then pursue a trustee’s sale or judicial foreclosure if the debt isn’t resolved.

Your options if you’re behind on HOA dues

Catch up quickly: Pay what you owe (including late fees and interest).
Negotiate with the HOA: Many HOAs will set up repayment plans.
Seek postponement: If foreclosure is scheduled, postponements can give you more time.
Sell before foreclosure: Protect equity and credit by selling on your terms.

Common mistakes to avoid

Ignoring HOA letters or fines
Assuming mortgage payments protect you from HOA foreclosure
Waiting until a trustee’s sale is already scheduled
Trusting “rescue” companies that charge upfront fees

Proof from Arizona homeowners

“I had no idea my HOA could foreclose. The Offer Company explained the rules, helped me work out a plan, and saved my home.”
— Monica S., Gilbert

Why trust The Offer Company

We’re Arizona-focused and understand how HOA foreclosure works here. With Hope, our AI assistant, you’ll get plain-language explanations of your rights, timelines, and options — without pressure or confusion.