UrbanCiti Realty

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For homeowners

Behind on payments or facing a forced sale? You have more options than you may think.

Default, pre-foreclosure, a short sale, probate, and divorce can each force a sale on a difficult timeline. Start with the guide closest to your circumstances. Each guide explains how the process works in Arizona and where we can help.

Start a Confidential Conversation →

First conversation

Free and confidential

Pressure to list

None

Your attorney

Always included
Who we are to you

Our role, stated clearly.

UrbanCiti Realty is a real estate brokerage. We are not a law firm and we do not give legal, tax, or credit advice. When we list your home, we represent you as the seller in the real estate transaction. If your property is part of a bankruptcy estate, the trustee may be our client instead, and we will tell you so in writing before any work begins.

If you have a bankruptcy attorney, we work alongside them and follow their direction on anything that touches your case. If you do not have one, we can share a list of independent attorneys. We do not receive referral fees from attorneys.

What to expect

A first conversation, not a sales pitch.

  • Your situation and any deadlines you are facing
  • The real estate options that may apply
  • Who else should be involved, such as an attorney or a housing counselor

The first conversation is free and confidential, and it carries no obligation to list your home with us.

Disclaimers

UrbanCiti Realty & Property Management is a licensed Arizona real estate brokerage. We are not a debt relief agency, debt service provider, or mortgage loan modification service. We do not provide legal or tax advice, and nothing on this page should be interpreted as such. While our licensed agents assist clients with the transactional mechanics of marketing and negotiating real estate short sales to facilitate a property transfer, we are not attorneys. Consult a licensed attorney or a certified public accountant regarding bankruptcy, foreclosure, tax liabilities, or deficiency questions.

HUD-approved housing counseling is available at no cost. Find a counselor through the U.S. Department of Housing and Urban Development at hud.gov/findacounselor.

Contact us

Start a confidential conversation.

Only a few details are needed. Share what you are comfortable with, and there is no obligation.

  • Free, confidential first conversation
  • We work alongside your attorney
  • No pressure to list

Tell us about your situation

Your information is kept confidential and used only to respond to you.