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A professional woman with a reassuring smile stands beside text that reads "Falling Behind on Payments? We Help Arizona Homeowners Catch Up" — representing The Offer Company’s support for homeowners facing financial hardship.

Can reinstating your mortgage stop foreclosure in Arizona?

The short answer: yes — if you can catch up on past-due payments before the auction, reinstating your mortgage will stop foreclosure.

Reinstatement means paying back the missed payments, late fees, and any foreclosure-related costs in one lump sum. Once you reinstate, your loan is current again and the foreclosure process ends.

But Arizona’s foreclosure timeline is fast — a trustee sale can be scheduled in just 90 days — so acting early is critical.

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

How reinstatement works in Arizona

  • You request a reinstatement quote from your lender.

  • The quote includes past-due payments, late fees, legal fees, and other costs.

  • You pay the full amount by the deadline.

  • Once payment is made, the foreclosure process stops and your loan returns to good standing.

Why homeowners choose The Offer Company

1. Options to catch up before auction
Whether you’ve fallen behind due to job loss, medical bills, or rising rates, we help create repayment or reinstatement strategies that give you time to recover.

2. Lender negotiations handled for you
We contact your lender, request reinstatement quotes, and confirm deadlines. Our team ensures paperwork is correct so you don’t lose valuable time.

3. Alternative solutions if reinstatement isn’t possible
If catching up isn’t realistic, we help explore loan modifications, short sales, or selling before foreclosure — often with leaseback options to give you more time.

4. Local experts who know Arizona law
Arizona’s nonjudicial foreclosure process moves quickly. Out-of-state services miss deadlines — but we know Maricopa County trustee sales and timelines inside out.

5. Flexible plans that adapt
If a repayment plan doesn’t fit, we pivot quickly to another solution. The goal is always to protect your home, your credit, and your equity.

6. Support from Hope, our AI assistant
Hope provides reminders, checklists, and deadline updates so you never lose track of what’s next. Backed by our team, you’ll always have clear direction.

Proof from Arizona homeowners

“They helped me get a repayment plan that worked. I kept my home.”
— Robert F., Phoenix

Common mistakes to avoid if you’re behind on payments

  • Ignoring lender letters or certified mail

  • Waiting until a trustee sale is already scheduled

  • Sending incomplete documents

  • Assuming foreclosure is inevitable

Why acting now matters

Every day you wait, options narrow. Acting early means:

  • Lower credit damage

  • More solutions to stay in your home

  • Less stress and more control over the outcome

Learn more and take action today

For more background, visit HUD’s Avoiding Foreclosure guide.

Then talk to The Offer Company about reinstatement and other strategies to stop foreclosure in Arizona.

Click here to talk to Hope today — she’ll explain your repayment options and help you create a clear plan to keep your home.