How the nonjudicial foreclosure process works in Arizona, from reinstating a loan to a liability for a deficiency judgment. In this guide, I'll explain the process and timing for private mortgage lenders to complete a foreclosure in the state of Arizona.Learn how foreclosures work in Arizona. A demand letter is not statutorily required. The workbook is designed for you to complete on your own, or with the assistance of a counselor. Under Judicial Foreclosure: Your mortgage lender must file suit in the court system. You'll get a letter from the court demanding payment. Arizona is a NonJudicial Foreclose State. Arizona leverages nonjudicial foreclosures as one way of addressing delinquent mortgages. The state has one of the shortest routes to foreclosure nationally.
