Confirm the actual deadline
Contact the named trustee and mortgage servicer. Do not assume the date on an older notice is still current, or that an offer changes it.
Work backward from closing
Consider payoff requests, title issues, buyer financing and signing requirements. A qualified closing professional can help determine what is feasible.
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.