Can You Sell Your Yuma Home Before It Goes Into Foreclosure?
Can you sell your home before foreclosure in Yuma, AZ?
Yes. If you’re behind on payments, you can sell your home before the foreclosure process is complete. In fact, selling early is often the best way to avoid foreclosure’s long-term financial damage. The De Luca Real Estate Team helps you act fast and find the right buyer.
Understanding Foreclosure in Arizona
Foreclosure in Arizona is typically non-judicial, which means:
Your lender can start foreclosure without going to court
You’ll receive a Notice of Trustee Sale (NTS) as early as 90 days after missed payments
The property can be auctioned 90 days after the NTS is recorded
This means the clock moves quickly. Acting early gives you more control.
Can You Sell a Home in Pre-Foreclosure?
Yes. Selling during pre-foreclosure means:
The lender hasn’t taken title yet
You still own the property and have the right to sell
Proceeds from the sale can pay off the loan and late fees
If you have equity, this can prevent credit damage and preserve future buying power.
What If You Owe More Than the Home Is Worth?
If your home’s value is less than what you owe, you may need a short sale. That requires:
Lender approval
Documentation of hardship
A qualified buyer
The De Luca Real Estate Team can help guide you through this process, working with your lender to avoid foreclosure.
Benefits of Selling Before Foreclosure
Avoids foreclosure on your credit report
Lets you walk away with potential equity
Gives you more control over timing and sale terms
Reduces stress and uncertainty
Our team has experience helping Yuma homeowners in tight situations. We’ll help you explore all options.
Final Thoughts
Don’t wait until it’s too late. If you’ve missed mortgage payments or received a foreclosure notice, reach out now.
The De Luca Real Estate Team will act fast, assess your options, and help you sell with dignity and direction.
Meta Description: Facing foreclosure in Yuma, AZ? Learn how you can sell your home before it’s too late—expert help from the De Luca Real Estate Team.
