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Selling a house in foreclosure in Arizona.
Arizona foreclosures usually run through a trustee's sale rather than a lawsuit. Knowing the steps can help you weigh your options calmly, including selling.
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Foreclosure · Arizona
How it works in Arizona.
Most residential foreclosures in Arizona are non-judicial. Home loans here are commonly secured by a deed of trust, which lets a trustee sell the property at a public trustee's sale without a court case. The process formally begins when the trustee records a notice of trustee's sale with the county recorder. Arizona law also sets posting, publication and mailing requirements, so you should receive written notice before any sale date.
If you are behind on payments, the first calls to make are usually to your loan servicer and to a free HUD-approved housing counselor, who can explain options such as a repayment plan, loan modification or a sale. In Arizona, once a trustee's sale is completed, there is no right to redeem the home, so the time before the sale is when choices are available. A local attorney can review your specific notice and dates.
Arizona specifics
What to know in Arizona.
Usually a non-judicial trustee's sale
Most Arizona home foreclosures use the non-judicial trustee's sale process allowed by a deed of trust, rather than a court lawsuit. Judicial foreclosure is also possible but tends to take longer. Your loan documents and notices will show which process your lender is using.
The notice of trustee's sale
Under A.R.S. 33-808, the notice of sale is recorded in the county where the home is located, and the sale cannot happen earlier than the 91st day after recording. The notice must also be posted on the property, posted at the superior court building, and published in a local newspaper for four consecutive weeks.
Reinstatement before the sale
Arizona law (A.R.S. 33-813) generally lets a borrower reinstate the loan by curing the default up until 5:00 p.m. Mountain Standard Time on the last business day before the scheduled sale. Your servicer can give you the exact reinstatement amount in writing.
No redemption after a trustee's sale
Once a non-judicial trustee's sale is completed in Arizona, the former owner has no right to buy the home back (A.R.S. 33-811). That is why many homeowners explore loan workouts or a sale before the trustee's sale date. Arizona also has anti-deficiency rules that may protect some homeowners; an attorney can explain whether they apply to you.
State and counseling help
The Arizona Department of Housing is the state housing agency and has run the Save Our Home AZ foreclosure assistance program; check its website for what is currently open. Free HUD-approved housing counselors can also help you talk with your servicer. Be cautious of anyone who charges upfront fees or promises to stop a foreclosure.
This is general information, not legal or tax advice. Rules can change and every situation is different, so confirm the details for your case with a Arizona attorney or the appropriate office.
Your options
There is more than one path.
Work out a solution with your servicer
A repayment plan, forbearance, or loan modification may let you keep the home. These options take paperwork and patience, and approval is not certain. A HUD-approved housing counselor can help you prepare and submit an application.
Sell with an agent or through a short sale
If you have equity and enough time, listing on the open market may bring the highest price. If you owe more than the home is worth, a short sale needs lender approval and can take a while. An agent experienced with foreclosure situations can explain what is realistic.
Explore offers through Doorbloom
You can share your home's details for free and hear from independent investors and real estate professionals, which some homeowners find simpler, especially when a home needs work. Offers may be below open-market value. Doorbloom cannot stop a foreclosure, and any sale still has to be completed and the loan paid before the foreclosure sale.
How it works
Three clear steps.
- 1
Tell us about your home
Share the address, condition and your timeline. It takes about a minute, and we only ask what is needed for the next step.
- 2
Review who is interested
Real estate investors and professionals review your home. You see who they are before anyone gets your contact details.
- 3
Choose your next step
Talk to the people you want, compare your options, or decide not to sell. There is no pressure and no obligation.
Questions
Questions from Arizona homeowners.
Is Arizona a judicial or non-judicial foreclosure state?
Arizona allows both, but most residential foreclosures are non-judicial trustee's sales under a deed of trust. That process is handled outside of court, with notices recorded, posted, published and mailed under state law. An attorney can confirm which process applies to your loan.
Can I sell my Arizona house after I get a notice of trustee's sale?
In many cases, yes. Until the trustee's sale happens, you still own the home and can typically sell it, with the loan paid from the proceeds or through an agreement with your lender. Talk with your servicer early and keep them informed of any sale plans.
Do I have a right of redemption after a foreclosure sale in Arizona?
Not after a non-judicial trustee's sale. Arizona law ends the owner's interest once the trustee's sale is completed. Before the sale, you can generally reinstate the loan or pay it off.
Where can Arizona homeowners get free foreclosure help?
A HUD-approved housing counselor can review your options at no cost. The Arizona Department of Housing lists state housing resources, and legal aid organizations may help with foreclosure cases. Avoid companies that ask for upfront fees or tell you to stop talking to your lender.
Is Doorbloom buying my house?
No. Doorbloom is a platform that connects Arizona homeowners with real estate investors and professionals. Any offer comes from them, and nothing is binding until you sign a purchase agreement.
What does it cost?
Creating an account and telling us about your home is free for homeowners.
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