Stop foreclosure in Arizona.

How foreclosure works in Arizona

• The trustee must give at least 90 days between recording the sale notice and the auction
• You can reinstate up to 5:00 p.m. the day before the sale by paying arrears and fees
• Arizona's anti-deficiency law protects many homeowners on purchase-money loans for typical single-family homes

Redemption & second chances

No redemption after a trustee's sale.

What this means for you

Arizona's reinstatement-until-the-eve-of-sale rule means late saves are genuinely possible here — our client David K. had a forbearance approved three weeks before his Phoenix auction. The anti-deficiency statute also changes the exit math: for many Arizonans, walking away costs less than they fear, which makes negotiating from strength easier.

Your options in Arizona

Every tool in the national playbook works in Arizona — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short