Knowing your rights can protect your home and equity
Foreclosure feels overwhelming, but in Arizona you still have important rights as a homeowner. Understanding those rights can help you avoid panic, protect your credit, and make smarter decisions before the auction.
Click here to talk to Hope — our AI foreclosure assistant is available 24/7 to explain your rights in plain language and connect you with a local expert.
1. The right to notice
In Arizona, your lender must record and send you a Notice of Trustee’s Sale before foreclosure can happen. This notice sets the auction date, at least 90 days away, and must also be posted publicly.
2. The right to stay in your home until the sale
Even if you’ve missed payments, you do not have to leave your home until the trustee’s sale is complete. You remain the legal owner up until the auction, which means you have time to act.
3. The right to reinstate or repay
You may reinstate your mortgage — bringing payments current, including late fees and costs — any time before the sale date. This stops foreclosure and keeps your loan in good standing.
4. The right to sell your home before auction
Selling before foreclosure lets you protect your equity and credit. You can choose a full-market listing or a cash offer for speed. In many cases, you’ll walk away with money in your pocket instead of losing everything at auction.
5. The right to claim surplus funds
If your home sells for more than you owe at auction, you have the right to claim the excess sale proceeds. Many homeowners don’t realize this money belongs to them, not the lender.
6. The right to fair treatment and protection from scams
You should never pay upfront fees to a “rescue” company. Arizona law protects you from foreclosure scams, and legitimate help (like HUD housing counselors) should not require upfront payment.
Proof from Arizona homeowners
“The Offer Company explained my rights and walked me through the process. I felt like I had control again instead of being in the dark.”
— Samantha R., Glendale
Why trust The Offer Company
At The Offer Company, we specialize in foreclosure help for Arizona families. Our mix of local expertise, trusted advisors, and Hope (our AI assistant) gives you clarity and confidence.
Hope is available 24/7 to explain your rights, outline timelines, and connect you directly with a foreclosure expert.
Learn more and take action today
For legal background, visit the Arizona Courts Self-Service Center.
Then, talk to The Offer Company about creating a personalized action plan that uses your rights to protect your home, equity, and future.
Click here to talk to Hope now — and get clear answers about your foreclosure rights in Arizona.
