Phoenix & Maricopa County · Foreclosure Help

Facing foreclosure in Phoenix? Understand your options before you decide anything.

If you’ve received a Notice of Trustee’s Sale, you likely have more time and more options than you’ve been led to believe. We’ll walk you through all of them honestly — including the ones that don’t involve selling to us.

See My Options
Call (XXX) XXX-XXXX

No cost, no obligation, no pressure. A local Phoenix company — not a call center.

Tell us what’s going on

Let's start with the property

Property Address

Where are you in the process?

Sale date, if you know it (optional)

How can we reach you?

First Name

Last Name

Phone Number

Email Address

A few details so we can actually help

Rough numbers are fine. If you don't know, leave it blank.

Approx. owed on the loan

Estimated value

Who's living there?

Condition

What would the best outcome look like for you?

Have you spoken with your lender?

Best time to call

Anything else we should know? (optional)

Thank you for reaching out.

We'll review your situation and get back to you shortly — usually the same day. If your sale date is close, call us and we'll pick up.

You can also just call and talk it through: (XXX) XXX-XXXX. No pressure, no obligation, and no sales pitch — if the right answer for you is something other than selling, we'll tell you that.

Your information stays private. We never sell or share it.

First, the honest part

We’re a home buyer. Sometimes that’s the right answer — often it isn’t.

Fast Property Solutions is a Phoenix-based real estate investment company. We buy houses with cash, and for some homeowners facing a trustee’s sale, that’s genuinely the best available outcome.

But if you have real equity and time before your sale date, listing with a good agent will almost always put more money in your pocket than selling to us. If you can catch up your payments, reinstating and keeping your home is usually the better result. If your lender will approve a modification, that may solve the problem entirely.

We’ll tell you that, even though it means we don’t get the deal. People in foreclosure get circled by companies hoping they’re too stressed to ask questions. We’d rather be the company you call because someone told you we shot straight with them.

Arizona’s process

How much time do you actually have?

Most Arizona foreclosures are non-judicial — your lender uses a trustee’s sale rather than taking you to court. Here’s the general shape of it.

Before anything is filed

You fall behind

Lenders typically don’t begin formal foreclosure until you’re 90–120 days delinquent. You’ll get demand letters and calls. This is the best time to act, because every option is still open to you.
The formal start

Notice of Trustee’s Sale is recorded

The notice is recorded with the county and mailed to you. This is the point most homeowners first realize the clock is real.
At least 90 days

The waiting period

Under Arizona law the sale generally cannot occur until at least 90 days after that notice is recorded. Ninety days is meaningful time — enough to sell a house conventionally in many cases.
Up to the last business day

Your right to reinstate

In Arizona you generally have the right to reinstate the loan — paying what’s past due plus fees — until 5:00 p.m. on the last business day before the sale. Many homeowners don’t realize that window stays open that long.
The deadline

The trustee’s sale

If nothing changes, the property is sold at auction.

This is general information, not legal advice. Timelines and rights vary depending on your loan documents and circumstances. For advice about your specific situation, talk to an attorney or a HUD-approved housing counselor — free counseling is available at 800-569-4287.

There are usually more than you think

Every option on the table — including the ones we don’t profit from

Reinstate your loan

Pay the past-due amount plus fees and the foreclosure stops. If you’ve had a setback you’ve since recovered from, this is often the cleanest outcome.

Best if: you can access the funds and your income has stabilized.

Loan modification or forbearance

Your lender may restructure the loan or pause payments. Servicers are often more willing than homeowners expect, particularly if you engage early.

Best if: your hardship is temporary and you want to stay.

Sell traditionally with an agent

With equity and enough runway before the sale date, listing on the open market will typically net you the most money. We’ll say it plainly: this usually beats selling to us financially.

Best if: you have real equity and 60+ days.

This one is us

Sell directly for cash

A direct sale closes in days rather than months, with no repairs, showings, or commissions. You’ll net less than a well-run traditional sale, but it’s certain and it’s fast.

Best if: time is short, the house needs work, or certainty matters more than the last dollar.

Short sale

If you owe more than the home is worth, your lender may approve a sale for less than the balance. It requires lender cooperation and time.

Best if: you’re underwater and have runway to negotiate.

Deed in lieu of foreclosure

You hand the deed back to the lender voluntarily, resolving it without an auction.

Best if: there’s no equity and you’d rather close it out cleanly.

Bankruptcy

Filing triggers an automatic stay that halts the sale, at least temporarily. This is a significant legal decision with long-term consequences.

Best if: a bankruptcy attorney has reviewed your full financial picture.

Let it go to auction

Sometimes, with no equity and no path to affording the home, the least damaging move is to stop fighting it. Arizona’s anti-deficiency protections may shield you from owing a balance afterward on certain residential properties.

Best if: the numbers simply don’t work and you need to move on.

Straight talk

Whether we can actually help you

We’re probably a good fit if…

Your sale date is close and you need certainty
The house needs repairs you can’t fund
You’ve already tried listing it and it didn’t sell
You inherited a property in foreclosure and live out of state
You want it handled quietly, without signs in the yard
A definite closing date matters more than top dollar

We’re probably not your best option if…

You have substantial equity and 60+ days — list it, you’ll do better
You can reinstate the loan and afford the payments going forward
Your lender is actively working with you on a modification
Someone has offered meaningfully more and can genuinely close in time

If you’re in the second column, we’ll tell you, and point you toward who can actually help.

If selling turns out to be your path

Simple, and you set the pace

Tell us about the situation

Fill out the form or call. We’ll ask about the property and where you are in the process. It takes a few minutes.

We look at the numbers together

We’ll walk through what we can offer and what you’d likely net through other routes. Real numbers to compare, not a pitch.

You decide, on your timeline

If our offer is the right move, we can close in as little as seven days with a local title company — often well before your sale date. If it isn’t, no pressure and no follow-up campaign.

Where we work

Serving homeowners across the Phoenix metro

Phoenix
Mesa
Glendale
Scottsdale
Chandler
Gilbert
Tempe
Peoria
Surprise
Avondale
Goodyear
Buckeye

Start with a conversation, not a commitment

You don’t have to decide anything today. Tell us what’s going on and we’ll help you understand where you stand — even if that conversation ends with us pointing you somewhere else.