The Offer Company explaining how many missed payments can lead to foreclosure in Arizona

How foreclosure begins in Arizona

In Arizona, most lenders can start foreclosure after you’re 90 days behind on payments (about three missed payments). At that point, they may record a Notice of Trustee’s Sale, which sets an auction date as soon as 90 days later.

That means you could go from first missed payment to foreclosure sale in as little as six months.

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

What happens before foreclosure

1 missed payment: Late fees are added. Your lender may contact you.
2 missed payments: The loan is considered delinquent. Expect collection calls or letters.
3 missed payments (90 days): The lender can record a Notice of Trustee’s Sale, starting the foreclosure process.

Why acting early matters

Catching up after one or two missed payments is much easier than after three.
Early communication with your lender can sometimes prevent foreclosure filings.
The Offer Company can help you explore loan modifications, repayment plans, or selling before foreclosure to protect equity.

Options if you’ve already missed payments

Reinstatement: Pay the missed payments plus fees to bring your loan current.
Loan modification: Restructure your mortgage for lower, more manageable payments.
Repayment plan: Spread missed payments over several months.
Sell before foreclosure: Protect your credit and avoid losing equity.

Proof from Arizona homeowners

“I didn’t realize foreclosure could start after just three missed payments. The Offer Company explained the timeline and helped me save my home.”
— Daniela M., Chandler

Why trust The Offer Company

We specialize in Arizona’s foreclosure process and know how fast things can move. With Hope, our AI assistant, you’ll get instant answers, reminders, and guidance so you’re never caught off guard.