Arizona’s Foreclosure Laws

Each state in the United States has its own set of foreclosure laws and procedures. Here is a comprehensive guide to Arizona’s foreclosure laws. Get to know the process, timeline, and key regulations that govern this complex legal procedure.

Arizona’s Foreclosure Process

Arizona is a non-judicial foreclosure state. It means that foreclosures can occur outside the court system. The process is typically faster and less costly for lenders compared to judicial foreclosure states. However, Arizona’s foreclosure laws still provide important protections for homeowners.

Notice of Default (NOD)

The foreclosure process in Arizona typically begins when the borrower misses several mortgage payments. After a borrower is 90 days late on payments, the lender must send a Notice of Default (NOD) to the borrower via certified mail. The NOD serves as a formal notice that the borrower is in default, and it initiates the foreclosure process.

Waiting Period

Arizona law requires a waiting period of at least 90 days from the date of the NOD before the lender can proceed with the sale of the property. This waiting period allows the borrower an opportunity to cure the default by paying the past-due amount, including interest and fees.

Notice of Trustee Sale

If the borrower does not cure the default within the 90-day waiting period, the lender must then file a Notice of Trustee Sale.

  • This notice must be published in a newspaper for at least four consecutive weeks.
  • Additionally, the lender must provide a copy of the Notice of Trustee Sale to the borrower, either in person or via certified mail.

Trustee Sale Auction

After the waiting period and notice requirements have been met, the property will be auctioned at a trustee sale.

  • This sale is typically conducted on the courthouse steps or at a designated location.
  • It is open to the public.
  • The property is awarded to the highest bidder, usually the lender.
  • The winning bidder takes possession of the property.

Right of Redemption

Arizona law allows for a right of redemption, which means that the borrower has the right to buy back the property within a certain period after the trustee sale. The redemption period is typically 90 days from the date of the sale, but it can be as short as 30 days in some cases.

Key Regulations and Protections

Arizona’s foreclosure laws contain several key regulations and protections to safeguard homeowners:

  • Anti-Deficiency Laws

Arizona has anti-deficiency laws that limit the lender’s ability to pursue a deficiency judgment against the borrower after a foreclosure. In certain circumstances, if the property is sold for less than the outstanding loan balance, the lender may not be able to seek the deficiency from the borrower.

  • Right to Reinstate

Borrowers in Arizona have the right to reinstate the loan by paying all past-due amounts, including interest and fees, up until five days before the trustee sale.

  • Mediation

Arizona offers a foreclosure mediation program designed to help homeowners explore alternatives to foreclosure, such as loan modifications or repayment plans.

  • Notices and Disclosures

Lenders are required to provide various notices and disclosures to borrowers throughout the foreclosure process, ensuring that borrowers are informed of their rights and options.


Arizona’s non-judicial foreclosure process is quick, yet it still provides homeowners important protections. Those who are facing foreclosure must understand their options and rights under Arizona’s foreclosure laws. Consulting with legal professionals or housing counselors can be invaluable for those navigating this challenging process.

Please note that foreclosure laws can change over time. Thus, it’s necessary to check out the most recent legal sources. Moreover, seek professional legal advice if you are facing foreclosure or need specific guidance related to your situation.