Foreclosure checklist for Arizona homeowners

From the free Foreclosure resource center at directhomebuyersusa.com/resources. Sources last verified 2026-10-10. General information checked against official sources; not legal advice. Direct Home Buyers USA is a home-buying business, not a court, agency, law firm or counselor.

This week

Find the recorded notice of trustee's sale and write down the sale date, trustee name and phone.
Call the servicer's loss-mitigation department; ask what a complete application needs.
Call (800) 569-4287 for a HUD-approved counselor, or use HUD's agency search.
Ask the trustee for a written reinstatement amount.

Gather documents

Last two months of pay stubs or income proof; last two years of tax returns; two months of bank statements.
Mortgage statement, hardship letter, property-tax and HOA statements.
Any inheritance, divorce or bankruptcy paperwork that affects who owns or owes.

Decide and act

Keep: reinstatement, repayment plan, forbearance, or modification application submitted.
Give back: short sale or deed in lieu requested in writing.
Sell: payoff ordered, buyer able to close before the sale date, title company engaged.
Confirm in writing with the trustee whether the sale is postponed; do not assume.

Free help: Arizona court self-help center (azcourts.gov/selfservicecenter), HUD housing counseling (800) 569-4287, 2-1-1 Arizona, Community Legal Services, Southern Arizona Legal Aid. Questions about selling: Direct Home Buyers USA, (602) 804-0092.