The Offer Company explaining Arizona’s no deficiency judgment rule after a trustee’s sale

Arizona’s protection for homeowners

If your home goes through a trustee’s sale foreclosure in Arizona, state law protects you from a deficiency judgment in most cases. That means once the property is sold, the lender cannot come after you for the difference between what you owed and the sale price.

This law applies to:

Single-family or two-family homes
On 2.5 acres or less
Used as a primary residence

Click here to talk to Hope — our AI foreclosure assistant can explain how these protections apply to your situation and what steps you should take next.

Why this matters

In other states, lenders can sue homeowners for tens of thousands of dollars after foreclosure. In Arizona trustee’s sales, you are usually protected from that risk.

However, some situations still need caution:

Judicial foreclosures may allow deficiencies
Second mortgages or HELOCs could still pursue repayment separately
Investment or commercial properties may not qualify

What homeowners should do

Confirm your loan type and property status to ensure protections apply
Act early to avoid foreclosure when possible (modification, repayment, or sale)
Plan for second liens or HOA debts that may survive the foreclosure

Proof from Arizona homeowners

“I thought I’d still owe money after the trustee’s sale. The Offer Company explained the law and gave me peace of mind.”
— Jessica F., Mesa

Why trust The Offer Company

At The Offer Company, we focus exclusively on helping Arizona homeowners facing foreclosure. We provide clear guidance, practical solutions, and local expertise, so you understand your options and next steps. With support from Hope, our AI assistant, you’ll get answers in plain language and a path to protect your home, equity, and peace of mind.