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The Offer Company explaining what a Notice of Default means in Arizona foreclosure

What is a notice of default in Arizona?

In Arizona, many homeowners use the term “Notice of Default” when talking about foreclosure. Legally, the formal document that starts the foreclosure process here is called a Notice of Trustee’s Sale.

Both terms point to the same reality: your lender has taken the first legal step toward foreclosure, and the clock has started ticking.

Click here to talk to Hope — our AI foreclosure assistant is available 24/7 to explain what the notice means and how much time you really have.

How long do you have after the notice?

  • Once a Notice of Trustee’s Sale is recorded, the auction date is set at least 90 days out.

  • During that time, you still own the home and have the right to:

    • Reinstate the loan (catch up on payments, fees, and costs)

    • Apply for a loan modification or repayment plan

    • Sell the home to protect equity

    • Request a postponement for more time

Why acting early matters

While the law gives you about 90 days, waiting until the last minute limits your choices. Many solutions — like loan modifications or traditional listings — take weeks to process. The sooner you act, the more options you’ll have.

Common mistakes homeowners make

  • Ignoring the notice, hoping it will go away

  • Waiting until the week of auction to look for help

  • Sending incomplete paperwork to the lender

  • Trusting “rescue” scams that charge upfront fees

Proof from Arizona homeowners

“When I got the trustee’s sale notice, I panicked. The Offer Company explained what it meant, gave me a timeline, and helped me keep my options alive.”
— Melissa T., Chandler

Why trust The Offer Company

We specialize in foreclosure cases right here in Arizona. Our team — backed by Hope, our AI assistant — explains the notice in plain language, maps your timeline, and helps you act before it’s too late.

Hope is available 24/7 to give reminders, answer questions, and connect you with a local expert.

Learn more and take action today

For legal definitions and timelines, visit the Arizona Attorney General’s foreclosure resources.

Then, talk to The Offer Company about how much time you have — and how to use it wisely.

Click here to talk to Hope today and take control before your auction date arrives.