Arizona-specific guides covering A.R.S. § 33-807 power-of-sale framework, A.R.S. § 33-808 90-day notice of trustee's sale, A.R.S. § 33-813 statutory reinstatement, A.R.S. § 33-814 anti-deficiency protection, and the federal 12 CFR § 1024.41 loss-mitigation framework at every stage of delinquency.
Arizona is a non-judicial foreclosure state under A.R.S. § 33-807. The deed-of-trust trustee acts under the power-of-sale clause — no court oversight pre-sale. A.R.S. § 33-808 requires 90 days between recording of the notice of trustee's sale and the sale. Combined with the 12 CFR § 1024.41(f) 120-day federal floor, the practical timeline from first missed payment to sale runs ~6 to 7 months. What sets Arizona apart is the strength of the statutory protections operating throughout.
A.R.S. § 33-813 provides a statutory reinstatement right until 5:00 PM the last business day before sale — unlike most non-judicial states where reinstatement is contract-only, Arizona's right is statutory. A.R.S. § 33-814 provides anti-deficiency protection: for qualifying 1-2 family dwellings on 2.5 acres or less used as a residence, the trustee's sale extinguishes the entire debt — no post-sale deficiency. This is one of the most powerful homeowner shields in the country, but requires careful professional assessment to confirm qualification and weigh credit and 26 U.S.C. § 108 tax consequences.
The federal 12 CFR § 1024.41 framework runs in parallel. The 120-day pre-foreclosure floor under 12 CFR § 1024.41(f), the 30-day evaluation rule under 12 CFR § 1024.41(c), and the dual-tracking prohibition under 12 CFR § 1024.41(g) each map onto Arizona's timeline. In non-judicial states, the federal dual-tracking ban is the primary procedural leverage. The eight guides below walk through what happens at each stage.
See Which Arizona and Federal Protections Still Apply to Your Situation
A mortgage relief professional will identify your investor under 12 CFR § 1024.36, review where you stand against the A.R.S. § 33-808 timeline and the A.R.S. § 33-813 / § 33-814 framework, and walk through which protections you can still invoke.
See My Options →What happens after I submit my information?
A mortgage relief professional may reach out to review your situation and discuss your options — during business hours, usually within minutes of submitting your information.
Arizona's non-judicial process under A.R.S. § 33-807 requires a 90-day notice period under A.R.S. § 33-808 after the 12 CFR § 1024.41(f) 120-day federal floor clears. Understand every stage including the A.R.S. § 33-813 reinstatement window and A.R.S. § 33-814 anti-deficiency framework.
The A.R.S. § 33-813 statutory reinstatement right, the 12 CFR § 1024.41(g) dual-tracking ban, and the deed-of-trust contractual cure provisions each operate on different triggers. Learn which tools may stop foreclosure.
The federal 12 CFR § 1024.41(f) 120-day rule plus the A.R.S. § 33-808 90-day notice period mean a complete Arizona foreclosure runs ~6 to 7 months from first missed payment, with A.R.S. § 33-813 reinstatement active throughout.
Arizona's procedural environment is fast post-notice but layered with strong statutory protections. The 12 CFR § 1024.39 early-intervention contacts arrive on a fixed schedule. Learn what protections exist and why acting early matters.
At 90 days delinquent, most Arizona servicers are days from crossing the 12 CFR § 1024.41(f) 120-day threshold. Learn what options are still available and why acting in the next few weeks matters most.
Arizona has no state modification statute — the federal 12 CFR § 1024.41 framework is the entire protection. Learn why a complete application is critical and how professional engagement leverages A.R.S. § 33-813 and § 33-814 alongside the federal framework.
Multiple programs exist for Arizona homeowners — from federal investor-mandated modifications under 12 CFR § 1024.41 to assistance funds. The A.R.S. § 33-813 reinstatement and A.R.S. § 33-814 anti-deficiency frameworks shape what is realistically available.
Yes — an Arizona homeowner can sell at any point before the A.R.S. § 33-810 trustee's sale. The 90-day notice window plus A.R.S. § 33-814 anti-deficiency framework create real strategic options that warrant professional assessment.
Find Out Which Arizona Protections Still Apply at Your Stage
The A.R.S. § 33-808, § 33-813, and § 33-814 frameworks under Arizona's non-judicial process and the federal 12 CFR § 1024.41 framework only protect homeowners who invoke them correctly and on time. Independent review. No obligation. Most reviews completed in minutes.
See My Options →Q: Will I get a call right away?
Yes — independent mortgage relief professionals can typically reach out within minutes during business hours.