Phoenix Short Sale & Foreclosure Help

Phoenix at a glance

• Population: 1.65M+
• Median home value: ~$460,000
• County: Maricopa County
• ZIP codes I cover: 85003, 85018, 85016, 85020, 85032, 85035, 85041, 85042, 85085
• Neighborhoods: Arcadia (85018), Biltmore (85016), Downtown Phoenix, North Phoenix, Encanto, Desert Ridge, Laveen, South Phoenix (85041)

Why Phoenix matters for your short sale

Maricopa County had roughly 1,300 active Notices of Trustee's Sale in the most recent reporting window — well below the 2009–2011 crisis peak of 10,000+, but trending up. Distress is concentrated in south and west Phoenix ZIPs (85035, 85041) while high-end Arcadia and Biltmore see comparatively few filings. For Ahwatukee homeowners specifically, see the dedicated Ahwatukee page.

The Phoenix short sale process

1. Free call. 15 minutes to understand your situation and options.
2. Listing. I list the home and market it aggressively to Phoenix-area buyers.
3. Offer. We accept a qualified offer — usually within 30 days.
4. Lender package. I submit your hardship documentation and offer to the lender.
5. Negotiation. I push the lender toward approval and a full deficiency release.
6. Close. You sign, the home transfers, and you walk away clean.

Arizona laws that protect you

Arizona is a non-judicial foreclosure state, meaning most lenders foreclose through a trustee's sale under Arizona Revised Statutes Title 33. Two laws matter most:

• ARS §33-808 — requires at least 90 days between a Notice of Trustee's Sale and the auction. That's your window to act.
• ARS §33-814 — Arizona's anti-deficiency statute protects qualifying owner-occupied homeowners from being pursued for the difference after foreclosure or short sale.

This page is educational and not legal advice. Talk to a real estate attorney for your specific situation.