What Homeowners in Tucson Can Expect During the Foreclosure Process

If you’re at risk of foreclosure, don’t wait for things to escalate. The ideal solution is to work with your lender to find a resolution. However, if it’s unavoidable, understanding the foreclosure process in Tucson can make it less daunting. Continue reading as we discuss what you can expect during the foreclosure process and how to protect your interests.


Lenders in Tucson are aware that homeowners may face temporary financial difficulties, which is why they often offer a grace period to help them get back on track. However, if you have fallen behind on payments and do not see any options, the lender will start the foreclosure process. During this process, the lender will try to contact you in every way possible to find a solution and avoid further action. You should be prepared for constant communication from your lender and understand that foreclosure can have serious consequences on your credit rating and financial future. Seeking professional guidance from a foreclosure expert can help you navigate the process and explore possible solutions.

This article provides information on what Tucson homeowners can expect during the foreclosure process and offers an alternative solution to selling their homes.

Notice of Default

Under Arizona trustee sale laws, lenders must issue a notice of default to homeowners in Tucson if they have failed to make mortgage payments for more than 90 days. The notice of default must be recorded with the county recorder’s office and sent to the homeowner via certified mail within five days of recording. Once the notice of default has been issued, homeowners have the opportunity to cure the default by paying the past due amount within 90 days.

If the default is not cured, the lender may proceed with a notice of trustee sale, which sets a date for the sale of the property at a public auction. If the property is sold, the proceeds are used to pay off the outstanding mortgage balance, and any excess funds are returned to the homeowner. It’s essential for homeowners in Tucson to be aware of these laws and to take action promptly to avoid foreclosure.

Notice of Sale

Arizona Revised Statutes § 33-807 mandates that after 90 days from the notice of default, a trustee may file a notice of sale. The notice must be published in a newspaper for four consecutive weeks in the county where the property is situated. The property can only be sold 91 days after the notice is recorded. The trustee conducts the sale, and the property is sold to the highest bidder at a public auction.

The Arizona Revised Statutes § 33-807 also stipulates that the trustee sale may be postponed by announcing a new sale date at the original sale or by recording a notice of postponement. However, the postponement period cannot exceed 360 days from the original sale date. If the property is sold at the auction, the trustee will issue a trustee’s deed to the winning bidder, which transfers ownership of the property.


During the foreclosure process in Tucson, the final step is the trustee sale auction, where the property is sold to the highest bidder. The winning bidder must pay for the property immediately, and if the home doesn’t sell, it becomes a real estate owned (REO) property owned by the lender.

If you haven’t left the property, the buyer will serve an eviction notice. With an REO, the lender may assist you in moving out by offering cash for keys. It’s crucial to seek legal advice during this process to understand your rights and responsibilities.

Another Option

If you’re a homeowner in Tucson facing foreclosure, selling your property directly to a professional home buyer like Karl Buys Houses is another viable option. Our team of experts will walk you through the expenses associated with listing your property and advise you on the average days properties stay on the market in Tucson. We’ll provide you with the numbers used to calculate our offer and make sure you agree that it’s a fair price.

At Karl Buys Houses, we pride ourselves on being active members of the Tucson community and want to ensure you feel satisfied with the deal well after closing. With a guaranteed closing date, often within days, our goal is to help you make the best decision for your situation.


The foreclosure process can be a stressful and overwhelming experience for homeowners in Tucson. However, selling directly to Karl Buys Houses can provide a welcome solution, allowing you to avoid the hassles and expenses of listing your property on the open market. With a direct sale, you can eliminate the costs of commissions, closing fees, and repairs, as well as the stress of keeping your property in pristine condition for showings. Karl Buys Houses offers a transparent and straightforward process, without any hidden fees or pressure to make a decision.

At Karl Buys Houses, we understand that each homeowner’s situation is unique, and we strive to provide personalized solutions that meet your specific needs. We buy houses as-is for cash, which means you don’t have to worry about prepping, repairs, or cleaning. You can even choose the closing date that works best for you, allowing you to have more control over the process and your timeline.

As your local professional buyers, we are committed to helping our neighbors in Tucson navigate the challenges of foreclosure and find a solution that works for them. We believe that honesty, integrity, and transparency are the keys to a successful transaction, and we want you to feel good about the deal long after you’ve left the closing table. Contact Karl Buys Houses today to learn more about our direct sale process and how we can help you.

Call Karl Buys Houses at 520-403-6227.

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