Redemption and Deficiency Judgments in Arizona
Whether you can buy back your home after a foreclosure sale in Arizona, and whether the lender can sue for what's still owed.
Short answer: After a trustee's sale, there is no right of redemption: the trustee's deed conveys the property "absolute without right of redemption." After a court-ordered (judicial) foreclosure sale, the owner may generally redeem within six months after the sale, or within 30 days if the court… Ariz. Rev. Stat. §§ 33-811(E), 12-1282
| Redemption after the sale | After a trustee's sale, there is no right of redemption: the trustee's deed conveys the property "absolute without right of redemption." After a court-ordered (judicial) foreclosure sale, the owner may generally redeem within six months after the sale, or within 30 days if the court found the property was abandoned and not used mainly for farming or grazing. Re-verified 2026-10-27. |
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| Deficiency judgments | Limited. After a trustee's sale of property of 2.5 acres or less that is limited to and used for a single one-family or two-family dwelling, the lender cannot sue for the shortfall (with exceptions for certain builder-owned, never-completed or never-occupied dwellings on loans made after 2014). For other property, a deficiency suit must be filed within 90 days after the trustee's sale, and the deficiency is the debt minus the higher of the sale price or the court-determined fair market value. A similar limit applies to purchase-money mortgages foreclosed in court on qualifying homes. Re-verified 2026-10-27. |
More Arizona foreclosure & homeowner law
- How Foreclosure Works in Arizona
- HOA Liens and Foreclosure in Arizona
- Getting Your Home Back After a Tax Sale in Arizona
- All Arizona foreclosure & homeowner law rules
FAQ
Is there a right of redemption after foreclosure in Arizona?
After a trustee's sale, there is no right of redemption: the trustee's deed conveys the property "absolute without right of redemption." After a court-ordered (judicial) foreclosure sale, the owner may generally redeem within six months after the sale, or within 30 days if the court found the property was abandoned and not used mainly for farming or grazing.
Can the lender come after you for the rest of the loan after foreclosure in Arizona?
Limited. After a trustee's sale of property of 2.5 acres or less that is limited to and used for a single one-family or two-family dwelling, the lender cannot sue for the shortfall (with exceptions for certain builder-owned, never-completed or never-occupied dwellings on loans made after 2014). For other property, a deficiency suit must be filed within 90 days after the trustee's sale, and the deficiency is the debt minus the higher of the sale price or the court-determined fair market value. A similar limit applies to purchase-money mortgages foreclosed in court on qualifying homes.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.