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.
Four Arizona facts to pin down first
- Process
- Nonjudicial
- Typical timeline
- 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.
- Cure / reinstatement authority
- A.R.S. §33-813(A)
- Redemption statutes
- A.R.S. §33-811(E) · A.R.S. §12-1282
Your redemption window, before and after the auction
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. And once the auction is over? 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. That before/after line is the single most important date on this page.
Do not confuse the mortgage clock with the tax clock
If property taxes are part of the arrears, watch a second calendar: 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)
How long a Arizona listing actually takes
A listing has its own clock. The median Arizona home needed about 62 days to find its buyer (Redfin state market tracker, May 2026), and a financed purchase still has to close after that. Whatever runway the timeline above leaves, the market takes its 62-day bite first — so measure twice before betting the house on it.
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.
