Arizona Civil Legal Needs Community Survey

Civil legal organizations in Arizona are seeking your input to increase their ability to meet the civil legal needs of Arizona's lower income residents. Please complete this survey to assist in improving civil legal services in Arizona.

Encuesta de Necesidades Legales Civiles de Arizona

Las organizaciones legales civiles en Arizona buscan su opinión para aumentar su capacidad de satisfacer las necesidades legales civiles de los residentes de bajos ingresos de Arizona. Por favor complete esta encuesta para ayudar a mejorar los servicios legales civiles en Arizona.

Money and Debt

Deficiency on VA Home Loans

After a foreclosure is complete and the home is sold, a borrower may still owe money if the sale price of the house was not large enough to cover the amount owed on the loan, this is called a deficiency. In many cases borrowers are protected from a deficiency by Arizona’s anti-deficiency statutes, which prevent lenders from pursuing the borrower if the home is sold for less than the total owed on the home loan. 

For borrowers facing foreclosure with a VA home loan, it may be best to consult with an attorney regarding the possibility of having a deficiency because case law suggests that state anti-deficiency statutes are pre-empted by federal law.  This means that a borrower in foreclosure may not be protected by Arizona’s anti-deficiency statutes if the loan is a VA home loan, or a government issued home loan. For more information regarding Arizona’s anti-deficiency statutes, see’s article titled “Foreclosure Deficiencies in Arizona.”

To apply for free and reduced fee legal assistance in Arizona, follow this link to the Access To Justice Online Intake System.

This website has been prepared for general information purposes only. The information on this website is not legal advice. Legal advice is dependent upon the specific circumstances of each situation. Also, the law may vary from state-to-state or county-to-county, so that some information in this website may not be correct for your situation. Finally, the information contained on this website is not guaranteed to be up to date. Therefore, the information contained in this website cannot replace the advice of competent legal counsel licensed in your jurisdiction.

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