Behind on Your Mortgage?

You Still Have Options.

If you’ve missed mortgage payments or received a Notice of Trustee Sale in Maricopa or Pinal County, you still have options.

There may be steps you can take to keep your home or make a graceful exit.

Understanding how the process works can help you stay informed and in control of your next steps.

Learn About ForeclosureExplore Your Options

Where Are You in the Process?

Choose the option that best matches your current situation to see what steps may be available to you.

I just missed a payment

You may still be able to keep your home by taking action early. Let’s review your options before things progress further.
Keep Your Home

I received a Notice of Trustee Sale

In Arizona, a Notice of Trustee Sale usually means you have about 90 days before the auction date. Understanding the timeline can help you make informed decisions right now.
Foreclosure Basics

I think I’ll need to sell

If keeping the home isn’t possible, a short sale may allow you to avoid foreclosure and move forward with less financial impact.
Short Sale Hub

How Foreclosure Works in Arizona

Arizona uses a non-judicial foreclosure process, which moves faster than judicial foreclosures. Knowing what happens at each stage can help you take informed, proactive steps.
Default Begins
After 30–90 days of missed payments
Your lender may start collection efforts or refer your loan to the loss mitigation department. This is often the best time to request help or explore ways to bring the loan current.
Early action can make the biggest difference.
Notice of Trustee Sale Filed
At least 90 days before the auction date
A Trustee records and mails a Notice of Trustee Sale and publishes it in a local newspaper for four consecutive weeks. The property cannot be sold for at least 90 days after this notice is filed.
You still have time to act.
Trustee Sale (Auction Date)
After 90+ days from the notice
Unless the loan is reinstated, modified, or the property is sold, the home will be auctioned to the highest bidder. Even at this stage, short-sale or payoff solutions may still be possible.
It’s not too late to explore alternatives.
After the Sale
Following the sale or transfer
If the property sells, you may receive notice to vacate. In some cases, you can negotiate more time or relocation assistance (often called “cash for keys”).
There are still ways to move forward with dignity.
Your Options at a Glance
Every situation is unique. These are the most common paths available to Arizona homeowners facing potential foreclosure. Understanding what’s possible can help you make the next right move.
Keep Your Home Options
Solutions that may allow you to stay in your home.
Reinstatement
Bring your loan current by paying all past-due amounts, late fees, and costs.
Modification
Work with your lender to adjust the loan terms—such as interest rate or payment period—to make payments more manageable.
Forbearance
Request a temporary pause or reduction in payments during a short-term hardship.
Avoid Foreclosure Options
Alternatives that can help you prevent foreclosure on your credit record.
Sell at Market Value
If you have equity, list and sell your home traditionally to satisfy the loan in full.
Short Sale
If you owe more than your home is worth, your lender may approve a sale for less than the balance owed to avoid foreclosure.
Deed in Lieu
Voluntarily transfer ownership of the home to your lender to release the mortgage debt.
Compare Options in Detail
Person using calculator and notebook at a wooden desk with laptop, glasses, and coffee cups.

Short Sale Snapshot

What if you owe more than your home is worth?
When a Short Sale May Make Sense
  • You owe more than your home’s current market value
  • You’re experiencing a financial hardship that affects your ability to pay
  • You want to avoid foreclosure and minimize credit damage
Key Benefits
  • Typically less impact on credit than a foreclosure
  • Potential to negotiate away remaining debt
  • Shorter waiting period to buy a home again
Learn About Short Sales
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