Short sale support in Arizona can protect your credit and give you a fresh start.
If you owe more than your home is worth, a short sale might be your best way out. It can stop the foreclosure clock, protect your credit, and help you move forward with confidence.
A short sale allows you to sell your home for less than the total loan balance, with your lender’s approval. While it still impacts your credit, the damage is typically far less than a completed foreclosure.
Click here to talk to Hope—our AI assistant is available 24/7 to help you understand your options and start the short sale process.
What is a short sale?
A short sale happens when your lender agrees to accept less than the full amount you owe on your mortgage. It’s a common alternative to foreclosure in Arizona and often results in a quicker recovery period for your credit and finances.
Do you qualify?
You may qualify for a short sale if:
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You’re behind on payments or default is likely
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Your mortgage balance is higher than today’s market value
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You have a documented hardship (job loss, medical expenses, divorce, etc.)
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You can provide the requested documents on time
How a short sale works (step by step)
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Talk to Hope to understand your options and get a checklist
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Authorize us to speak with your lender
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List the home and accept the strongest offer
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Submit the short sale package, including:
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Purchase offer
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Hardship letter
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Proof of income
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Bank statements
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Net sheet
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Lender reviews and valuation (typically with a broker price opinion)
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Approval letter with terms, net amount, and relocation assistance if applicable
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Close and move, with funds (if available) paid at closing
Why Arizona homeowners choose The Offer Company for short sale support
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Experienced negotiators with banks and investors
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Full paperwork management and deadline tracking
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Quick action to prevent foreclosure from hitting your credit
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No out-of-pocket costs (in most cases)
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Relocation funds negotiated when available ($3K–$10K possible)
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Simple timelines and weekly updates
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Local expertise on Arizona pricing and lender expectations
Benefits of a short sale vs. foreclosure
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Lower credit damage
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Eligible to buy again sooner (often 2–3 years)
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Avoid public trustee sale
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May qualify for relocation funds
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More control over your timeline
What documents will you need?
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Hardship letter
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Recent pay stubs
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Bank statements
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Last two tax returns
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Mortgage and HOA statements
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Any previous loss-mitigation decisions
We’ll provide templates and a checklist to make this easy.
Timelines to expect
Most lenders take 60 to 90 days to review a complete file. Starting early gives you the best chance to request a postponement and receive relocation assistance if eligible.
Common short sale mistakes to avoid
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Waiting until a foreclosure auction is already scheduled
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Sending incomplete documentation
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Accepting low offers that won’t meet lender minimums
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Dropping communication during the review process
Proof from Arizona homeowners
“The Offer Company handled everything with my bank and I avoided foreclosure. They kept me informed and negotiated money to help with my move.”
— Nicole T., Scottsdale
Learn More
For government-approved advice, see the HUD foreclosure prevention page.
Talk to Hope today
Short sales are complex—but you’re not alone. Hope, The Offer Company’s AI assistant, is here 24/7 to explain your options, start your short sale checklist, and connect you with a local expert.
Click here to talk to Hope and begin your short sale support in Arizona today.
