Arizona Foreclosure Survival Checklist

•  Locate your Notice of Trustee Sale
   
• Confirm the sale date (you have 91 days from issuance)
   
• Check how many payments you're behind and the total amount due

•  Call your mortgage company’s loss mitigation or foreclosure department
   
• Stay calm and explain your hardship
   
• Request a reinstatement quote (amount needed to bring loan current)
   
• Ask about options like loan modification, forbearance, or a repayment plan
   

•  You must be notified at least 90 days before the sale
   
• You can reinstate the loan up to 5 business days before the sale
   
• If your home is your primary residence and under 2.5 acres, you’re likely protected by anti-deficiency laws
   
• Always verify information with the Trustee listed on the notice

 Choose the best fit for your situation:

• Reinstatement (pay the full past-due amount)
   
• Loan modification (adjust interest or terms)
   
• Forbearance (temporarily pause or reduce payments)
   
• Repayment plan (catch up over time)
   
• Refinance your mortgage
   
• Work with a Foreclosure Relief Expert (FRS offers this free)
   
• Consult a real estate attorney
   
• Sell your home (before auction to protect your equity)
   
• Deed in Lieu of Foreclosure
   
• Short Sale
   
• Bankruptcy (as a last resort)
   

•  Don’t wait — many solutions require weeks to process
   
• Track deadlines in a calendar (sale date, follow-ups, payments)
   
• If overwhelmed, ask for help — contact a trusted advisor or foreclosure expert
   

After the offer is accepted, you'll need to complete several steps to finalize the sale. These include getting a home appraisal, securing financing, and signing legal documents.

 Call us at 602-609-3700 for free help navigating your options and protecting your home. The earlier you act, the more doors remain open.