Foreclosure Timeline for Arizona (Non-Judicial)

Delinquency Period (40-120 Days): Trustor (borrower) fails to make payments on a note secured by Deed of Trust. Several special notices may be sent to the borrower by the lender (Beneficiary). Beneficiary requests the trustee to file a Notice of Sale.

Day 1 (At Least 3 Months Before Sale Date): Notice of Sale filed with county recorder. Copies mailed to appropriate parties. Foreclosure process has begun.

4 Weeks and 10 Days Before Sale: Notice of Sale published in adjudicated newspaper once a week for 4 weeks.

After 3 months: Trustee sets sale date and time.

25 Days Before Sale: Notice of Sale must be sent to IRS, if applicable.

20 Days Before Sale: Notice of Sale posted at property and at county courthouse.

No Later than 10 Days Before Sale: Last publishing of Notice of Sale.

Day Before Sale: Last date of reinstatement.

Sale Date: Trustee's Sale is held. Property is sold to the highest bidder. Trustee's deed is given to buyer. Sale can be postponed by announcement at originally scheduled sale.


*Matters pertaining directly to foreclosure are set forth in Title 12 and Title 33 of the Arizona Revised Statutes. Information deemed reliable but not guaranteed.