Short Sale & Foreclosure Guides
Real answers for Arizona homeowners — sourced from Arizona Revised Statutes, Fannie Mae selling guide, IRS rules, and 15+ years of actual short sale work. Updated for 2026.
Short Sale
Short Sale vs. Foreclosure in Arizona — The Real Differences
Credit, taxes, timeline, future mortgages — exactly how a short sale compares to foreclosure in Arizona.
Do You Qualify for a Short Sale in Arizona?
The four things lenders look for when approving a short sale — and what to do if you're missing one.
How Short Sales Work at Each Major Lender (Bank of America, Chase, Wells Fargo)
What to expect from the top short sale servicers — timelines, portals, paperwork, and Arizona-specific quirks.
Credit & Taxes
Taxes After a Short Sale in 2026 — QPRI Expired, Insolvency Is Now Your Main Shield
The Qualified Principal Residence Indebtedness exclusion expired January 1, 2026. Here's what Arizona homeowners still have: insolvency, bankruptcy, and state conformity.
Credit Recovery After a Short Sale — The 2026 Fannie Mae / FHA / VA Waiting Periods
Exactly how long until you can buy another home after a short sale, foreclosure, deed in lieu, or bankruptcy — and how to rebuild credit faster.
For AZ Homeowners
Arizona's Anti-Deficiency Law — What It Actually Protects (and What It Doesn't)
ARS §33-814 and §33-729 explained: who's protected, when the protection applies, and why a short sale needs a written deficiency waiver even in Arizona.
Already Got a Notice of Trustee's Sale? Here's What to Do in the Next 7 Days.
A practical, day-by-day playbook for Arizona homeowners inside the 90-day foreclosure window.
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