What the notice generally means
A recorded Notice of Trustee’s Sale indicates that the trustee has scheduled a sale under a deed of trust. It is important to read the document and verify details directly with the trustee.
Recording date is not receipt date
A.R.S. § 33-807(D) generally prohibits the sale before the ninety-first day after recording. Receiving the notice later does not restart that period. Do not calculate your remaining time from this general rule alone.
Listing does not postpone the sale
A property listing, buyer offer or pending contract is not an automatic postponement. Verify the current date and any postponement with the trustee and mortgage servicer.
Common homeowner questions
Can I sell my house while it’s in foreclosure?
A sale may be possible before a trustee sale is completed. The property value, payoff amounts, liens, buyer financing and confirmed sale date all affect feasibility. Listing alone does not stop foreclosure, but it can postpone the auction date.
How long do I have after a Notice of Trustee’s Sale?
Arizona law generally does not allow a trustee sale before the ninety-first day after the notice is recorded (A.R.S. § 33-807(D)). This is not ninety-one days from when you receive it. Confirm the current sale date with the trustee; dates may change.
How do I know whether I have equity?
Compare a supported market value with current mortgage payoff amounts, other liens and estimated selling costs. A market analysis and title review can help; an online estimate is not a guaranteed sale price.
What if I owe more than my home is worth?
A short sale may be a path forward, and we’re here to help you navigate the process. Lender and lienholder approval is required, and in some cases, relocation assistance funds may be available.
Source: Arizona Legislature, A.R.S. § 33-807. Confirm your circumstances with your trustee and qualified professionals.