If your goal is to stay in your home
We do not provide loan modifications or legal services. Your servicer and an independent HUD-approved housing counselor can explain potential keep-home options.
Find a HUD-approved housing counselor ↗More questions, clear answers
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.
Does putting my home on the market stop foreclosure?
A listing, offer, or pending contract does not automatically cancel or postpone a trustee sale. However, in many cases, postponements may be approved when there is an active offer.
What happens if my home sells before the auction?
A completed closing may pay the required mortgage and lien amounts from sale proceeds. The closing team must coordinate releases and confirm how the trustee sale will be addressed; do not assume a signed contract is enough.
Can I sell with an auction date approaching?
Possibly, but time may be limited. Contact the trustee and servicer immediately to confirm the date, and ask an agent and closing professional to evaluate whether a realistic closing timeline exists.
What if I want to keep my property?
Speak with your mortgage servicer about available options, or contact an independent HUD-approved housing counselor. We do not process loan modifications or provide legal foreclosure defense.
How much does a real estate agent cost?
Our realtors will cover all costs. Any compensation owed to the realtor will only be paid upon successful closing of the sale.
Is the first conversation free?
There are no fees for short sale information or listing services. Our realtors will cover all costs. Any compensation to the realtor will be paid only upon successful closing of the sale and is subject to lender approval.