Resources
Short, plain-language guides on the parts of homeownership hardship that tend to be the most confusing — plus trusted outside resources and answers to common questions.
Guides
Most Arizona foreclosures are non-judicial and move through a trustee's sale. From a missed payment to a sale date is often 4–7 months — but the timeline moves faster than many homeowners expect, and options narrow as it progresses.
A Notice of Default doesn't mean you're losing the home tomorrow. It means the clock has started. This is usually the window with the most options — loan modification, forbearance, reinstatement, or a planned sale all fit here.
If you inherited a home, probate rules and timelines depend on whether there was a will and how the title was held. You don't have to make a decision quickly — but understanding the process helps you plan.
State, federal, and nonprofit programs can help with past-due mortgage payments, property taxes, and utilities during a documented hardship. Funds are limited and applications take time, so start early.
Trusted outside help
HomeVia isn't the only resource — and sometimes it isn't the right one. These are organizations we trust.
Free, HUD-certified counselors who help with foreclosure prevention, budgeting, and lender negotiations.
State-run programs, including hardship assistance and homeownership resources.
Consumer Financial Protection Bureau resources on mortgages, modifications, and homeowner rights.
Common Questions
No. The conversation is educational. We walk you through every option that applies — from keeping the home to getting outside help to selling. You choose what happens next.
No. Guidance is free and confidential. HomeVia is only compensated if a homeowner ultimately decides to sell to us — which is exactly why we're careful to only recommend it when it's genuinely the right fit.
Sometimes, yes. The closer the sale date, the fewer options exist, but there are still tools that can work — reinstatement, bankruptcy filing, or a private sale. Reach out as soon as you can.
Yes. Many of the paths we walk homeowners through keep them in the home. If keeping the home is your goal, we'll help you understand what programs and lender options may apply.
No. HomeVia is a guidance service. When your situation calls for licensed professionals — an attorney, a real estate agent, a HUD counselor, a tax advisor — we help you find the right one.
We respond to every rescue plan request within one business day. If your situation is time-sensitive (like an upcoming trustee sale), say so — we'll prioritize.
Reading only gets you so far. When you're ready, we'll help you apply this to your situation.
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