Arizona gives you 91 days, and one afternoon that decides it.
No lawsuit and no redemption. A trustee records a notice, waits at least 91 days, and sells. But Arizona also lets you reinstate by paying only what is past due, and on most homes the lender cannot come after you for the shortfall. Both turn on 5:00 p.m. on the last business day before the sale.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Two dates decide an Arizona case. The day the notice of sale was recorded, because the sale cannot come sooner than 91 days later. And 5:00 p.m. on the last business day before the sale, when both the right to reinstate and the right to object end.
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Make the call.
Call your mortgage servicer (the number is on your statement) before the next payment is due, or today if you are already behind. Servicers have programs for people who lose a job, get sick or hit a rough patch, but they only start when you ask. A foreclosure costs them money too.
“I’ve had a hardship and I want to keep my home. Please send me a loss mitigation application and tell me every option for my loan.” If your loan is FHA, VA or USDA, ask about that program’s options by name.
Your latest mortgage statement, recent pay stubs or unemployment letter, two months of bank statements, last year’s tax return, and a short hardship letter. Expect a lot of paperwork. Send all of it, because a complete application is what protects you.
Date, time, who you spoke to and what they said. Keep copies and proof of when you sent your papers. A complete application more than 37 days before a sale stops that sale while they decide.
Don’t want to call alone? A free HUD-approved counselor will help: 1-800-569-4287. And if the home is ever sold at auction, ask about surplus funds: money left over after the debt is paid can belong to you, but you usually have to claim it.
What Arizona gives you
Rights that exist because the property is in Arizona, whatever a servicer tells you on the phone.
Where to get real help, free
Regional legal aid programs take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programs state by state.
HUD-approved housing counselors are free in every state — 1-800-569-4287. Some states, courts and counties run foreclosure mediation or counseling programs; ask your servicer or a HUD-approved counselor whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Checked against the statutes cited beside each step. Every legal claim on this page is registered with its citation and was checked against official sources and then reviewed again by an independent checker. Dates marked as estimates are estimates. Appellate case law was not independently verified, and laws change, so have a Arizona foreclosure attorney confirm anything that matters before you act.
Questions people ask about Arizona foreclosure
Short answers, each one sourced to the statute cited on this page.
How long does foreclosure take in Arizona?
With no delays or disputes, an Arizona foreclosure runs roughly 227 days from the first missed payment to the trustee sale. Federal rules bar the first filing until the loan is more than 120 days delinquent; after the notice of trustee sale is recorded, the sale can be held no sooner than the 91st day. A.R.S. 33-808.
Can I reinstate my mortgage in Arizona?
Yes. Arizona gives a statutory right to reinstate by paying what is actually past due, not the accelerated balance, plus costs and a trustee fee capped at the greater of $600 or one half of one percent of the unpaid principal. The deadline is 5:00 p.m. on the last day other than a Saturday or legal holiday before the sale. A.R.S. 33-813.
Is there a right of redemption after a trustee sale in Arizona?
No. The trustee deed is absolute and without right of redemption. A.R.S. 33-811(E).
Can the lender come after me for the shortfall in Arizona?
Not after a trustee sale of property of two and a half acres or less that is limited to and used as a single one-family or two-family dwelling. For other property, a deficiency suit must be filed within 90 days of the sale and is measured against the higher of fair market value or the sale price. A.R.S. 33-814.
What happens if I wait to challenge an Arizona foreclosure?
You generally lose it. Anyone mailed the notice of sale waives all defenses and objections unless a court order stopping the sale is entered before 5:00 p.m. on the last business day before it. A.R.S. 33-811(C).
When can an Arizona HOA foreclose?
Only if the owner has been delinquent for eighteen months or owes $10,000 or more, whichever comes first, and only after the board has tried to communicate and offered a reasonable payment plan. The lien is foreclosed like a mortgage, through the courts. A.R.S. 33-1807 and 33-1256.
Last verified: October 18, 2026. Every deadline and citation on this page was checked against Arizona law and the federal rules it cites. Laws change during the year, so if something here looks out of date or wrong, tell us and we will check it against the law.