Confirm the sale information
Read the notice for the trustee's name, recording date, sale date, time, location, and contact information. Ask the trustee whether the sale has been postponed and how updates are announced.
Arizona homeowner urgent guide
Received an Arizona Notice of Trustee Sale?
The notice identifies a scheduled nonjudicial foreclosure sale. Time matters, but a notice is not the same as an immediate move-out order. Start by confirming the sale date, contacting the trustee and mortgage servicer, and reviewing qualified legal, housing-counseling, retention, sale, and property-transition options.
Important:
Do not ignore the notice or assume an application automatically postpones the sale. Arizona law generally prevents exercise of the trustee's power of sale before the 91st day after the notice is recorded, but your exact deadlines depend on the recorded notice, any postponements, court orders, loan documents, and current law.
What to do today
Call the mortgage servicer
Ask for the current reinstatement amount and whether loss-mitigation options are available. Keep notes and copies of everything submitted.
Get independent guidance
Contact a qualified Arizona attorney for legal advice and a HUD-approved housing counselor for foreclosure-prevention counseling. Court deadlines and injunction requests require prompt professional attention.
Protect your information
Be cautious of anyone demanding large upfront fees, guaranteeing the sale will stop, telling you to stop communicating with your servicer, or asking you to sign over title without a verified closing and independent review.
Arizona trustee-sale timeline: plain-language overview
Notice is recorded
The trustee records the Notice of Trustee Sale with the county recorder and provides notice through methods required by Arizona law.
Review and response period
The scheduled sale cannot occur before the statutory waiting period. Use this time to verify the debt and sale information, request the reinstatement figure, and review options.
Possible reinstatement or other resolution
Arizona law provides a reinstatement process when applicable. Other possibilities may include repayment, forbearance, modification, traditional sale, short sale, deed-in-lieu, bankruptcy advice, or a private property acquisition. Availability and timing vary.
Scheduled sale or postponement
The trustee may conduct the public auction on the stated date or announce a postponement as permitted by law. Confirm status directly with the trustee rather than relying on assumptions.
Frequently asked questions
How much time do I have after an Arizona Notice of Trustee Sale?
Arizona law generally states that the power of sale may not be exercised before the 91st day after recordation of the notice. Use the sale date printed on your notice and verify any postponement directly with the trustee. Do not treat the general timeline as a substitute for legal advice.
Can I reinstate the loan?
When the deed of trust is eligible for reinstatement, Arizona law provides a process for requesting the exact amount needed. Contact the trustee and servicer immediately because timing, fees, and eligibility are case-specific.
Does submitting a property review stop the sale?
No. Contacting Fresh Start, submitting a form, or discussing a possible transaction does not stop a trustee sale, change the loan, or transfer ownership. Only verified action by the authorized parties or a qualifying court order changes the sale status.
Can Fresh Start guarantee foreclosure prevention?
No. Fresh Start is a private real estate acquisition service, not a law firm, lender, servicer, government agency, credit-repair company, or HUD-approved housing counselor. No lender, credit, tax, timing, approval, or foreclosure outcome is guaranteed.
What should I gather for a review?
Have the Notice of Trustee Sale, recent mortgage statements, trustee and servicer contact details, property address, ownership information, estimated value, liens, occupancy status, and any loss-mitigation correspondence available.
Use the time you have to get clear information.
Fresh Start can provide a confidential, no-obligation property review while you continue communicating with the trustee, servicer, and independent professionals.
General information only. This page is not legal, tax, lending, credit, or housing-counseling advice. Laws and facts change. Consult qualified independent professionals about your circumstances. Fresh Start Mortgage Relief is a division of Home Retention Inc.
Statutory references: A.R.S. § 33-807, § 33-808, § 33-810, and § 33-813. Reviewed August 31, 2026.