Maricopa County Foreclosure Resources
Complete guide to the foreclosure process in Maricopa County, Arizona. Courthouse addresses, filing procedures, timelines, mediation options, and local legal aid — everything you need to defend your home.
Response within 24 hours
Foreclosure Type
Non-Judicial
Avg. Timeline
90–120 days
Mediation
Not Mandatory
Population
4.6 million
Maricopa County Foreclosure Timeline
Arizona is primarily a non-judicial foreclosure state. The process moves outside the court system through a trustee — and it moves fast. Understanding each phase is critical.
The trustee records the notice of sale and mails it to the borrower — Arizona runs strictly by calendar days, so tracking the exact date is essential. This triggers your window to reinstate or request loss mitigation.
The notice must be posted on the property at least 20 days before the sale, published in the newspaper for four consecutive weeks, and served as required by statute. Each step is a strict-compliance requirement that can defeat the sale if missed.
Arizona's trustee sale must occur between 9 AM and 5 PM at a designated location in the county. You may reinstate the loan up to the date of the sale. Sales are typically held on the steps of the Maricopa County Courthouse in Phoenix.
Courthouse & County Offices
Maricopa County Courthouse
125 W Washington St, Phoenix, AZ 85003
(602) 506-8575
Mon–Fri 8:00AM–5:00PM
Maricopa County Superior Court
201 W Jefferson St, Phoenix, AZ 85003
(602) 506-8575
Mon–Fri 8:00AM–5:00PM
Clerk of Court
Maricopa County Clerk of the Superior Court
Processes judicial foreclosure filings and related civil records for Maricopa County disputes.
County Recorder
Maricopa County Recorder's Office
Sheriff / Sale Info
Maricopa County Sheriff's Office — Civil
100 W Washington St, Phoenix, AZ 85003
(602) 876-1000
Arizona's non-judicial trustee sale is conducted by the trustee, not the Sheriff. After the sale, the Sheriff executes any writ of assistance for possession if the new owner obtains one.
Is Mediation Available?
Arizona does not mandate a statewide foreclosure mediation program, but some cities within Maricopa have run voluntary prevention and counseling initiatives. Your strongest protections are Arizona's strict-complance notice rules and its powerful anti-deficiency law for qualifying homes.
Filing Requirements
- •Notice of trustee sale recorded and mailed to the borrower within 5 days of recording
- •Notice posted on the property at least 20 days before the sale
- •Notice published in a newspaper for 4 consecutive weeks
- •Sale held between 9:00AM and 5:00PM at a designated location in the county
- •Borrower may reinstate by paying all delinquent amounts up to the date of sale
- •No statutory redemption after non-judicial sale
Key Statutes
Arizona Revised Statutes § 33-807
Ariz. Rev. Stat. § 33-807
Governs the trustee sale power of sale and the overall non-judicial foreclosure process.
Arizona Revised Statutes § 33-814(G)
Ariz. Rev. Stat. § 33-814(G)
Anti-deficiency protection: no deficiency for residential property of 2.5 acres or less used as a single- or two-family dwelling.
Arizona Revised Statutes §§ 33-801 to 33-821
Ariz. Rev. Stat. §§ 33-801 to 33-821
The deeds-of-trust and foreclosure articles setting out strict notice and reinstatement rights.
Right of Redemption
Arizona provides no statutory right of redemption after a non-judicial foreclosure of a deed of trust. Your principal protections are the right to reinstate the loan up to the date of sale and the strict notice-compliance requirements of the trustee-sale statute.
Deficiency Judgments
Maricopa homeowners get one of the strongest anti-deficiency protections in the nation. Under Ariz. Rev. Stat. § 33-814(G), the trustee cannot pursue a deficiency for residential property of 2.5 acres or less used as a single- or two-family home. For other properties, a deficiency may be available but strict notice compliance remains a defense.
Legal Aid
Frequently Asked Questions
How long do I have before a Maricopa trustee sale?+
Arizona runs on strict calendar days. After the notice of sale is recorded and mailed, the sale happens roughly 90 to 120 days later — but every day of the notice period counts, and strict compliance issues can be raised as defenses.
Where is the Maricopa trustee sale held?+
Arizona trustee sales must occur between 9 AM and 5 PM at a designated location in the county, commonly the steps of the Maricopa County Courthouse on W Washington St in Phoenix.
Can I reinstate my Arizona loan?+
Yes. Under the Arizona trustee-sale statute, you can reinstate by paying all delinquent amounts (including fees and costs) up to the date of the sale. This is a powerful tool to stop the process.
Am I protected from a deficiency in Arizona?+
For a single- or two-family home on 2.5 acres or less, yes — Arizona prohibits a deficiency after a non-judicial trustee sale. This is among the strongest homeowner protections in the United States.
Where can I get free help in Maricopa County?+
Community Legal Services and Arizona Housing, Inc. provide free help to qualifying residents. Start with a HUD-approved housing counselor immediately.
More Resources for Maricopa County Homeowners
Arizona Foreclosure Laws
Complete state-level guide to foreclosure laws, timelines, and homeowner protections.
Foreclosure Defense
Comprehensive defense strategies to stop or delay foreclosure in any U.S. county.
Free Case Review
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