When the Notice of Trustee’s Sale arrives, it can feel like your options are gone. But in Arizona, a short sale can still happen even after that notice has been recorded. The key is timing, communication, and having the right team to manage the lender approval before the auction date.

If you’ve received your notice, don’t assume it’s over. There’s still a path forward—and Hope, The Offer Company’s AI foreclosure assistant, can help you map it out step by step.

What Exactly Is a Short Sale?

A short sale allows you to sell your home for less than what you owe on the mortgage, with your lender’s approval. Instead of foreclosing, the lender agrees to accept the sale proceeds and forgive the remaining balance in most cases.

That means:

• You avoid foreclosure on your record.

• You may qualify for relocation assistance (“cash for keys”).

• Your credit recovers faster than after a foreclosure.

Homeowner quote:

“When I got my sale notice, I thought I was done. But Anette explained we could still short sell it. We sold before auction and even got a few thousand to move. It was such a relief.”

Does the Trustee’s Sale Notice Mean It’s Too Late?

No. The Notice of Trustee’s Sale is a deadline, not a door slam. In Arizona, you typically have about 90 days between the recording of that notice and the scheduled auction.

During that window, a short sale can absolutely be started—and many are completed successfully when handled quickly and professionally.

However, the lender controls the clock. They can postpone the auction if they see legitimate progress on a sale or buyer offer.

In short:

• If your home is listed and under short sale review, most lenders will pause the foreclosure.

• The sooner you start, the higher the chance of approval before the sale date.

What Needs to Happen for the Lender to Approve It?

Every lender has slightly different rules, but most short sales follow this pattern:

1. Hardship letter – Explain what caused the delinquency (job loss, divorce, illness, etc.).

2. Proof of income and expenses – Show your financial picture.

3. Listing agreement – The home must be listed with a licensed broker like The Offer Company.

4. Offer submission – A real, signed buyer offer goes to your lender’s short sale department.

5. Third-party approval – The lender reviews, negotiates, and issues written approval.

This is where AI can make a difference. Hope can walk homeowners through which documents to gather, calculate estimated net proceeds, and coordinate communication before human agents step in.

Why the Right Help Matters Now

Short sales under a trustee’s sale timeline move fast. Missing a single update can mean losing the chance to sell.

The Offer Company handles this process daily—we coordinate directly with lenders, buyers, and title officers to make sure the sale can close before the auction date.

Hope helps you:

• Understand your lender’s short sale requirements.

• Estimate how long you realistically have.

• Request a postponement if needed.

• Get connected with Anette to list or negotiate.

What If the Auction Is Just Days Away?

Even if the auction is this week, it’s worth talking to Hope or Anette immediately. Some sales can be postponed within 48–72 hours if your lender believes a short sale is real and progressing.

Don’t wait until after the sale—by then, your options shrink drastically. The earlier you act, the more leverage you have.

How The Offer Company and Hope Can Help

• Hope (AI Assistant): Runs through your current stage, helps you upload documents, and checks if postponement or short sale is still viable.

• Anette and Team: Step in to manage all human negotiation and listing work.

• End Result: You walk away with dignity, possibly with relocation funds, and without a foreclosure on your record.

“Hope made it so easy to understand what was next. I went from panicked to having a plan in minutes.”

Take the First Step Now

If your Notice of Trustee’s Sale has arrived, time is your biggest asset.

Click here to talk to Hope — she’ll help you understand if a short sale can still work for your situation and connect you directly with Anette at 602-448-7377 to move fast.