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Free foreclosure help in Arizona

Arizona's deadlines are firm, so the right call depends on how close the sale is. Start with your servicer and a HUD approved housing counselor, and bring in legal help as soon as a Notice of Trustee's Sale arrives. Arizona law bars foreclosure consultants from charging you before they finish the work.

Free HUD counselor: (800) 569-4287

Reviewed against Arizona law and official sources on October 11, 2026. General information, not legal advice.

Ask for help in Arizona

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Who to call first, by situation

  • You are not behind yet but expect trouble

    Now

    Call your servicer about hardship options and contact a HUD approved housing counselor for a free review.

  • You are behind but no notice has been recorded

    Within days

    Send your servicer a complete loss mitigation application and keep copies. Use AZLawHelp.org to apply for free or low cost legal aid if you need help with the paperwork.

  • You received a Notice of Trustee's Sale

    Immediately; you have about 90 days

    Apply for legal aid through AZLawHelp.org or by phone using the number on the State Bar of Arizona: Legal Aid Resources and Modest Means Project page, 866-637-5341. Write to the trustee for your reinstatement amount.

  • The sale is days away

    The same day

    A court order must be entered by 5:00 p.m. on the last business day before the sale. If you do not qualify for legal aid, the Maricopa County Bar Association Lawyer Referral Service or the Modest Means Project can connect you with a lawyer quickly.

  • Your servicer or trustee is not following the rules

    As soon as it happens

    File a complaint with the Arizona Department of Insurance and Financial Institutions, File a Complaint page, which regulates mortgage bankers and brokers. You can also use the Arizona Attorney General, File a Consumer Complaint page.

  • A foreclosure consultant or rescue company contacted you

    Before you sign or pay anything

    Arizona law bars a foreclosure consultant from collecting any fee before fully performing, and gives you three business days to cancel. Report violations to the Arizona Attorney General, File a Consumer Complaint page at 602-542-5763.

  • You were served with a forcible detainer case after the sale

    Before the hearing date on the summons

    AZCourtHelp.org has court forms, a court finder and legal aid options. Hearings are set quickly.

Official and nonprofit help in Arizona

None of these charge homeowners for foreclosure help.

Need a private foreclosure lawyer?

License-checked lawyers who represent homeowners, by area:

Arizona Homeowner Assistance Fund (Arizona Department of Housing)

Arizona's Homeowner Assistance Fund program is closed. The U.S. Treasury states that the Homeowner Assistance Fund ended on September 30, 2026 and states can no longer pay out help from it. The program's own website no longer loads. We did not confirm any other state run mortgage assistance program that is open today.

Check the program’s current status

Common questions in Arizona

Where can I get a low cost foreclosure lawyer in Arizona?

The State Bar of Arizona's Modest Means Project offers a one hour meeting with a lawyer for $75 to people who do not qualify for free legal aid, and its listed areas include foreclosure. Free legal aid applications go through AZLawHelp.org or 866-637-5341.

Who regulates mortgage companies in Arizona?

The Arizona Department of Insurance and Financial Institutions lists commercial and consumer mortgage bankers and brokers among the entities it regulates and takes complaints through its File a Complaint page.

Is Arizona's Homeowner Assistance Fund still available?

No. The federal Homeowner Assistance Fund ended on September 30, 2026 according to the U.S. Treasury, and Arizona's program website no longer loads.

Can a foreclosure consultant in Arizona charge me up front?

No. Ariz. Rev. Stat. § 44-1378.02 bars a foreclosure consultant from collecting any compensation until every promised service is fully performed. You may also cancel the contract until midnight of the third business day after signing.

Step by step

More on foreclosure in Arizona

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the Arizona overview

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Sources for this page

  1. Ariz. Rev. Stat. § 33-810 (sale by public auction; postponement)
  2. Ariz. Rev. Stat. § 12-1175 (forcible detainer complaint and summons)
  3. Ariz. Rev. Stat. § 12-1178 (judgment; writ of restitution)
  4. Ariz. Rev. Stat. § 44-1378 (foreclosure consultants, definitions)
  5. U.S. Courts: Chapter 13 Bankruptcy Basics (automatic stay)
  6. Ariz. Rev. Stat. § 33-807 (sale of trust property)
  7. Ariz. Rev. Stat. § 33-808 (notice of trustee's sale)
  8. Ariz. Rev. Stat. § 33-809 (mailing of notice of sale)
  9. Ariz. Rev. Stat. § 33-811 (trustee's deed, no redemption)
  10. Ariz. Rev. Stat. § 33-812 (disposition of proceeds of sale)
  11. Ariz. Rev. Stat. § 33-813 (reinstatement)
  12. Ariz. Rev. Stat. § 33-814 (deficiency after trustee's sale)
  13. Ariz. Rev. Stat. § 33-729 (purchase money mortgage, limit on liability)
  14. Ariz. Rev. Stat. § 12-1282 (time for redemption after judicial sale)
  15. Ariz. Rev. Stat. § 12-1173.01 (forcible detainer after trustee's sale)
  16. Ariz. Rev. Stat. § 44-1378.02 (foreclosure consultants, prohibited acts)
  17. Ariz. Rev. Stat. § 44-1378.04 (foreclosure consultants, right of cancellation)
  18. U.S. Treasury: Homeowner Assistance Fund (program ended September 30, 2026)
  19. CFPB: 12 C.F.R. § 1024.41 Loss mitigation procedures
  20. State Bar of Arizona: Legal Aid Resources