How does foreclosure work in Arizona?
Arizona uses a nonjudicial foreclosure process. 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).
Can you catch up and keep your home?
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).
Until when can you sell and keep your equity?
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). See your exact dates with the free Arizona Foreclosure Deadline Calculator.
The honest math on a Arizona foreclosure
Every day you carry the loan, arrears, fees, and interest grow. A traditional listing takes weeks to market and 30–45 more days for a financed buyer to close — time you may not have before the sale date.
A cash sale that closes before the sale date lets you walk away with your equity instead of losing it at auction. Talk to a free HUD counselor too — you may have options beyond selling.