Arizona is a non-judicial foreclosure state with a 90-day timeline. AZ has strong anti-deficiency protections for qualifying homeowners. Free consultation.
Fill out the form below for a free, confidential review of your situation. We'll help you understand your options and timeline.
Arizona is a non-judicial foreclosure state where the process takes approximately 90 days from the Notice of Trustee Sale to the auction. Arizona provides one of the strongest anti-deficiency protections in the nation under A.R.S. §33-814(G) — on purchase-money loans for properties 2.5 acres or less that are single-family or duplex residences, the lender cannot pursue a deficiency judgment after a trustee sale. Arizona also allows the homeowner to reinstate the loan at any time before the sale by paying all past-due amounts and fees.
Arizona is primarily non-judicial — about 99% of foreclosures use the trustee sale process under a deed of trust. Judicial foreclosure exists but is rarely used. In a non-judicial trustee sale: the trustee must record a Notice of Trustee Sale at least 90 days before the sale, mail the notice within 5 business days, and publish it for 4 consecutive weeks. The homeowner has the right to reinstate at any time before the sale. There is no post-sale redemption period.
The trustee records a Notice of Trustee Sale with the county recorder. The sale date must be at least 90 days after recording. Within 5 business days, the trustee must mail a copy to the homeowner. The notice is published for 4 consecutive weeks in a newspaper. This 90-day period is your opportunity to pursue alternatives — reinstatement, loan modification, short sale, or bankruptcy.
Arizona law gives you the right to reinstate the loan up until the moment of the sale by paying all past-due amounts, late fees, and trustee costs. Unlike some states where the reinstatement right expires weeks before the sale, Arizona lets you cure right up to the auction. You can also negotiate a loan modification or file bankruptcy during this period.
The sale is held at the time and place specified in the notice. The property is sold to the highest bidder. There is no post-sale redemption period in Arizona. However, if the property is a qualifying purchase-money loan (owner-occupied, 2.5 acres or less, single-family or duplex), the lender cannot pursue a deficiency judgment — one of the strongest anti-deficiency protections in the U.S.
On purchase-money loans on qualified properties, lenders cannot pursue a deficiency after trustee sale — one of the strongest U.S. protections.
You can cure at any time before the auction by paying past-due amounts plus fees. No early cutoff in Arizona.
Notice must be recorded at least 90 days before sale, giving you significant time to explore alternatives.
Trustee must mail notice within 5 business days and publish for 4 consecutive weeks. Non-compliance may invalidate the sale.
Maricopa, Pima, and other counties offer foreclosure mediation, providing structured negotiation with the lender.
Once the trustee sale completes, the property cannot be redeemed. Act before the auction — that's your window.
With a 90-day timeline and strong anti-deficiency protections, AZ homeowners have meaningful options:
Reinstate at any time before the auction. AZ's right to cure up to the sale date is a powerful tool.
Use the 90-day notice period to negotiate new terms. The timeline gives you leverage.
Filing triggers an automatic stay that immediately stops the trustee sale. Reorganize over 3-5 years.
If the trustee violated AZ's strict notice or publication requirements, challenge the sale to delay or invalidate it.
Sell or transfer with lender approval. AZ's anti-deficiency protections may shield you on qualifying loans.
We determine if your loan qualifies under A.R.S. §33-814(G), potentially eliminating post-sale liability.
90 days goes fast. Free, confidential review. No obligation. Reinstatement available up to the sale date.
AZ gives you 90 days from notice to sale. Use them wisely. Free consultation — before the auction.