Surprise Short Sale & Foreclosure Help

Surprise at a glance

• Population: 170,000+
• Median home value: ~$345,000
• County: Maricopa County
• ZIP codes I cover: 85374, 85378, 85379, 85387, 85388
• Neighborhoods: Sun City Grand (55+), Marley Park, Sierra Montaña, Asante

Why Surprise matters for your short sale

High concentration of active-adult communities (Sun City Grand). Rising insurance premiums and assessed property taxes have been major drivers of distress among fixed-income residents.

The Surprise 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 Surprise-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.