Facing Foreclosure in Arizona? You Still Have Options.
A Notice of Default or a foreclosure filing doesn’t mean it’s over. If you act quickly, a cash sale can stop the process, protect your credit, and put money in your pocket instead of the bank’s.
If any of this is happening, time matters:
- You’ve received a Notice of Default (NOD) from your lender
- You’re 3 or more months behind on mortgage payments
- Your home has been listed for a trustee sale or sheriff’s sale
- You’ve tried to modify your loan and hit a wall
- You know you can’t catch up but don’t know what to do next
Arizona is a non-judicial foreclosure state, meaning lenders can foreclose without going to court. After a Notice of Default is filed, you typically have 90 days before a Notice of Trustee Sale is issued, then another 90 days until the auction. That’s roughly 6 months from the NOD — but acting early gives you the most options and the most money.
Why Selling Before the Auction is the Right Move
Once a home goes to auction, you get nothing — the bank recovers what it’s owed and keeps the rest. A foreclosure also stays on your credit report for 7 years, affecting your ability to rent, get a loan, or buy again.
Selling to The Homes Hero before the auction date changes everything. We can move fast enough to close before the trustee sale, pay off what you owe, and in many cases put cash in your pocket. You leave on your terms, not the bank’s.
A voluntary sale is far less damaging than a foreclosure on your record.
We can close fast enough to beat the trustee sale date in most cases.
If equity exists, you could walk away with money — something a foreclosure never gives you.
We buy as-is. Don’t spend anything getting the house ready.
How It Works
Tell us where you are in the process. We’ll tell you honestly if we can help and how fast we can move.
We assess the property and make a cash offer — often the same day we speak with you.
We can close in as few as 7 days. Your mortgage gets paid off, and you move on with your credit intact.
Don’t Wait — Every Day Counts
The earlier you call, the more options you have. We’ll tell you exactly where you stand in 15 minutes.