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The Offer Company explaining whether Arizona foreclosures have a redemption period

The truth about redemption periods in Arizona

In some states, homeowners get extra time after foreclosure to “redeem” their property by paying off the debt. In Arizona, that is not the case in most situations.

If your home is foreclosed through a trustee’s sale (the standard process in Arizona), there is no redemption period after the auction. Ownership transfers immediately to the winning bidder or lender.

Click here to talk to Hope — our AI foreclosure assistant is available 24/7 to explain your timeline and help you act before it’s too late.

When redemption rights may apply

Redemption periods in Arizona only apply in judicial foreclosures, which are rare. In those cases:

  • A court oversees the foreclosure.

  • You may have a short redemption window (typically 30–60 days) depending on the judgment.

  • This usually occurs with HOA foreclosures or second mortgages, not standard trustee’s sales.

Why this matters

Because trustee’s sales move quickly and have no redemption period, you must act before the auction date. Waiting until after the sale means it’s too late to keep your home.

Your options before auction

  • Reinstate your loan by paying past-due amounts and fees

  • Apply for a loan modification or repayment plan

  • Sell before foreclosure to protect your equity

  • Request a postponement if more time is needed

Proof from Arizona homeowners

“I thought I’d have time after foreclosure to fix things. The Offer Company explained that wasn’t true in Arizona and helped me act early.”
— Derrick W., Phoenix

Why trust The Offer Company

We’ve guided Arizona families through foreclosure for years, making sure they understand the fast timelines and their rights. Our team — and Hope, our AI assistant — help you avoid common mistakes and create a plan before it’s too late.

Learn more and take action today

For a legal explanation, visit the Arizona Courts Self-Service Center.

Then talk to The Offer Company about how to use your time wisely before foreclosure.

Click here to talk to Hope today — and learn how to protect your home and equity before auction.