Arizona Notice of Trustee Sale
Understand the recorded notice, statutory timeline, urgent verification steps, and questions to ask the trustee and servicer.
Read the Arizona guide →Fresh Start learning library
Homeowner Resources Center
Plain-language guides for homeowners dealing with mortgage hardship, foreclosure notices, low equity, inherited property, unwanted rentals, and difficult ownership decisions.
Start with the situation in front of you
Walking Away From a Mortgage
Compare abandonment with an organized exit and learn why communication, documentation, property condition, and closing matter.
Explore organized exit options →Short Sale Relief
Review lender approval, deficiency questions, liens, timelines, tax considerations, and alternatives to a short sale.
Read the short sale guide →Homeowner Situations
See how missed payments, relocation, divorce, inherited homes, failed listings, tenants, and low equity affect a review.
Find your situation →Options & FAQ
Get clear answers about private acquisitions, subject-to transactions, fees, lender rights, timing, and homeowner control.
Review options and FAQs →How Fresh Start Works
Follow the confidential review, document evaluation, written proposal, independent review, and verified closing process.
See the process →Choose the right next conversation
You want to keep the home
Contact your mortgage servicer promptly and ask about available loss-mitigation options. A HUD-approved housing counselor or qualified attorney can provide independent guidance.
You may sell or transition the property
Gather the mortgage statement, title and ownership details, liens, property condition, occupancy, estimated value, and any notices. Compare a traditional sale, short sale, deed-in-lieu, and private acquisition based on the facts.
A sale date or legal deadline is approaching
Verify the deadline with the trustee, servicer, court, or notice source. Seek qualified legal help promptly. A conversation with Fresh Start does not pause a sale or legal deadline.
You need a property-specific review
Use the confidential intake form to share the property location, ownership, mortgage context, timeline, and preferred contact method. Submitting information does not transfer ownership.
Mortgage hardship glossary
Arrears
Past-due amounts that may include missed principal, interest, escrow, fees, and other charges.
Reinstatement
Bringing a delinquent loan current by paying the amount required under the loan documents and applicable law.
Forbearance
A temporary agreement to pause or reduce payments, usually followed by a separate plan for unresolved amounts.
Loan modification
A written change to one or more loan terms. Approval and available terms depend on the servicer, investor, and borrower circumstances.
Short sale
A lender-approved sale for less than the total debt and required closing amounts, subject to written approval and conditions.
Deed-in-lieu
A voluntary transfer of title to the lender or its designee under a written agreement, subject to eligibility and approval.
Subject-to acquisition
A transaction in which title may transfer while existing financing remains in place, subject to written terms, lender rights, and due-on-sale considerations.
Trustee sale
A public auction conducted under a deed of trust and applicable state law after required notices and procedures.
Turn general information into a property-specific review.
Fresh Start reviews each property individually and explains any potential path in writing, without promising a particular outcome.
General information only. Fresh Start Mortgage Relief is not a law firm, lender, mortgage servicer, government agency, credit-repair company, debt collector, or HUD-approved housing counselor. No lender, credit, tax, approval, timing, or foreclosure result is guaranteed. Consult qualified independent professionals.