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A notice of default or a trustee sale date is stressful — but it isn't the end of the road. Merlyn Capital works directly with homeowners to lay out every path clearly, and where it makes sense, to buy the property before the sale so you walk away with your equity rather than losing it at auction.
In Arizona, most home loans are foreclosed through a trustee sale rather than the courts. Once a Notice of Trustee's Sale is recorded, the property can be auctioned in roughly 90 days — a much faster timeline than many homeowners expect.
Every week that passes narrows the choices available. Late fees, attorney costs, and interest keep adding to the balance, and if the home goes to auction, any equity above what's owed is often lost or tied up.
The earlier you act, the more options you have. That's true whether you ultimately keep the home, work something out with your lender, or decide to sell.
We start with a simple, confidential conversation — no pressure, no obligation — so you understand exactly where you stand.
If you can cover the missed payments and fees, reinstating the loan stops the sale and lets you keep the home. We'll help you understand what that number likely looks like.
Many lenders offer modifications, repayment plans, or forbearance. These take time and paperwork — another reason to start early.
Merlyn Capital can purchase the property directly, as-is, and close before the auction date — paying off the loan and putting remaining equity in your hands instead of losing it at the sale.
Inherited homes, multiple owners, tax liens, or clouded title can make a sale feel impossible. Working with our title practitioners, we untangle these situations every day.
If keeping your home is the better outcome for you, we'll tell you so. We encourage every homeowner to also speak with a HUD-approved housing counselor or an attorney — and we're glad to work alongside them.
A confidential call about your home, your timeline, and what you'd like to happen next.
We look at the loan balance, sale date, liens, and value — and walk you through every realistic option.
If selling makes sense, you receive a written cash offer. No repairs, no showings, no commissions.
We close through a licensed title company on a date that works — ahead of the trustee sale.
“The worst outcome is waiting until the auction decides for you. A clear conversation today keeps the choice in your hands.”
Share a few details and we'll respond personally — usually the same day. Everything you tell us stays confidential.