Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Arizona uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Borrower (or successor, or junior lienholder) may reinstate by paying all past-due amounts, other defaults, and allowed fees/costs — not the accelerated full balance — any time until 5:00 p.m. MST on the last business day before the sale. Arizona has no separate pre-sale Notice of Default step; the recorded Notice of Trustee's Sale starts the 90+ day clock (federal rules generally still bar starting foreclosure until the loan is 120+ days delinquent). A.R.S. §33-813(A)
Before the sale: Reinstate (arrears only) until 5:00 p.m. the last business day before the sale; pay off the loan in full any time before the sale is completed.
After the sale: None after a trustee's (nonjudicial) sale — the trustee's deed conveyance 'shall be absolute without right of redemption.' Judicial foreclosure (rare in AZ): 6-month redemption after the sheriff's sale, shortened to 30 days only if the court found the property abandoned and not used primarily for agricultural/grazing purposes. A.R.S. §33-811(E) · A.R.S. §12-1282
The homeowner can sell or refinance the home up until the trustee's sale is completed (reinstatement for arrears only until 5:00 p.m. the last business day before the sale; a full payoff can stop the sale up to the sale itself).
Want the fuller picture beyond the dates? Read the Arizona foreclosure guide — timeline, rights & options.
Unpaid property taxes lead to a tax lien (certificate) sale, not immediate loss of the home. The owner may redeem the tax lien within 3 years after the tax lien sale, and even after 3 years may still redeem until a treasurer's deed is delivered; if the certificate holder files a judicial action to foreclose the right to redeem, the owner may redeem any time before judgment is entered. A.R.S. §42-18152; A.R.S. §42-18206
About 90–120 days from recording of the Notice of Trustee's Sale to the auction in an uncontested nonjudicial foreclosure (sale cannot occur before the 91st day after recording). Practitioner estimate. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.