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.
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.
AZ trustee sales give you 90 days — use them. Dream Financial Management helps Phoenix homeowners stop foreclosure. Since 1994.
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