The "Hold Steady" Right: Wyo. Stat. § 1-18-104
The Reality: Wyoming foreclosures move fast, but you aren't out on the street the day of the sale. Under state law, the mortgagor is entitled to possession of the lands and to the rents and profits for a period of 3 months after the sale (12 months for agricultural land). This is your window to execute a "Right of Redemption" strategy.
STAY PERIOD
90 DAYS
MINIMUM
MINIMUM
The Wyoming Non-Judicial Timeline
Wyoming uses the "Power of Sale" clause in your mortgage to bypass the courts. Knowledge of these specific notice deadlines is the only way to intercept the process.
| Stage | Timing | The Authority Detail |
|---|---|---|
| Notice of Intent | 10 Days Pre-Publication | Lender must send a "Notice of Intent to Foreclose" via certified mail before they can even go to the newspaper. |
| Notice of Sale | 4 Successive Weeks | Publication in a local newspaper. A copy must be sent to you by certified mail before the first publication. |
| The Auction | Day 30-45 | Public auction usually held at the county courthouse. The home is sold to the highest bidder. |
| Redemption Period | 3 Months | The post-sale window to buy the property back by paying the sale price + 10% interest. |
| Agricultural Exception | 12 Months | If the property is designated as agricultural, the redemption window extends to a full year. |
Authority FAQ: Wyoming 2026
Are Deficiency Judgments allowed in Wyoming?
Yes. Wyoming allows lenders to sue for a deficiency judgment after a non-judicial sale. However, the lender must file a separate lawsuit to get this judgment, as the foreclosure itself happened outside of court.
What is the "Right to Cure" in Wyoming?
Wyoming law does not provide a specific statutory right to "reinstate" or cure the default once the foreclosure process has officially begun, unless your specific mortgage contract allows it. Most lenders will accept payment, but this is a critical negotiation point for your provider.
Can a foreclosure sale be "Rescinded"?
Yes, under HB0189, a foreclosing mortgagee can rescind a sale for any reason (if they were the purchaser) or by agreement with the certificate holder. This is a rare but powerful legal "reset" button if procedural errors are found.