Pima County Foreclosure Resources

Arizona is a non-judicial foreclosure state. Foreclosure normally runs through a trustee under a deed of trust that contains a power of sale, rather than through a court filing. There is no foreclosure lawsuit and no judge supervising the sale — the trustee conducts it. Judicial foreclosure exists in Arizona but is uncommon for residential deeds of trust.

The trustee must record the notice of trustee sale and mail it to you within 5 days of recording. The notice must be posted on the property at least 20 days before the sale and published in a newspaper once a week for four consecutive weeks. Separately, the sale may not be held until at least 90 days after the notice is recorded. Those periods run alongside each other, and strict compliance with each is required.

For a qualifying home — residential property of 2.5 acres or less limited to and utilized as a single-family or two-family dwelling — no. Ariz. Rev. Stat. § 33-814(G) bars a deficiency judgment after a non-judicial trustee sale, which is among the strongest protections in the nation. Property outside that definition, such as larger parcels or non-qualifying use, does not receive the same protection, and a judicial foreclosure carries different rules.

No. Arizona provides no statutory right of redemption after a non-judicial trustee sale — the sale is final once the trustee completes it. The protections that matter are therefore pre-sale: the right to reinstate up to the date of the sale, the 90-day minimum from recording to sale, the 20-day posting and four-week publication requirements, and the ability to challenge a sale for a failure of strict compliance.

Arizona has no statewide mandatory foreclosure mediation program, and none is mandatory here. That differs from states such as Hawaii, which operate a state-funded foreclosure mediation program, or New Jersey, where mediation is mandatory for owner-occupants. In Arizona the leverage comes from the strict-compliance notice requirements, the reinstatement right, and the anti-deficiency bar under Ariz. Rev. Stat. § 33-814(G).

Pima County is anchored by metro Tucson and is Arizona's second-largest county by population. That scale matters in a foreclosure because the county has enough transaction volume to support conventional comparable sales, so a property's fair market value is generally straightforward to establish. That is significant given that Arizona's anti-deficiency bar under Ariz. Rev. Stat. § 33-814(G) turns on whether the property is residential, 2.5 acres or less, and limited to and utilized as a single-family or two-family dwelling — a definition squarely met by most metro Tucson homes but not necessarily by larger foothills or rural parcels. Pima County's housing also includes a substantial retirement and second-home segment, which follows a different analysis from an owner-occupant file. Arizona forecloses non-judicially through a trustee under a power of sale, with the notice recorded and mailed within 5 days, posted 20 days and published four consecutive weeks before the sale, and a sale no earlier than 90 days after recording.