Arizona is a non-judicial foreclosure state with trustee sales completing in approximately 90 days. Phoenix homeowners have strong anti-deficiency protections under ARS §33-814(G). Dream Financial Management provides Phoenix foreclosure assistance since 1994.
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Arizona's trustee sale process gives Phoenix homeowners a 90-day window to act — with strong anti-deficiency protections that cover most owner-occupied homes.
AZ non-judicial trustee sale timeline
Notice of trustee sale must be recorded 90+ days before sale
AZ bars deficiency after trustee sale on owner-occupied homes
After a non-judicial trustee sale of a property on 2.5 acres or less that is a single-family or duplex dwelling, the lender cannot pursue a deficiency judgment. This is automatic — you don't need to file anything. This protection covers most Phoenix-area homes.
Arizona requires lenders to record and mail a Notice of Trustee Sale at least 90 days before the sale date. This gives Phoenix homeowners three months to pursue alternatives: loan modification, reinstatement, sale, or legal intervention.
Use your 90-day window to negotiate affordable modification terms with your lender.
Pay all arrears, fees, and trustee costs before the sale date to stop foreclosure.
Challenge procedural errors or violations of the deed of trust terms in court.
With strong AZ home values, a short sale can help you exit without foreclosure on your record.