Wyoming sells first and lets you buy it back, for three months.
A foreclosure by advertisement with no lawsuit: a notice of intent by certified mail at least 10 days before four weeks of newspaper printings, then a sheriff’s sale at the courthouse. The buyer gets a certificate, not a deed. You keep possession and may redeem for three months at the bid plus 10% interest, junior lienholders get 30 more days, and you stay liable for any shortfall.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Three dates decide a Wyoming case. The first newspaper printing, which must come at least 10 days after the notice of intent and starts four weeks of publication. The sale, which sets the price you can buy the home back for. And three months after the sale, when your right to redeem and to stay in the home ends.
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Make the call.
Call your mortgage servicer (the number is on your statement) before the next payment is due, or today if you are already behind. Servicers have programs for people who lose a job, get sick or hit a rough patch, but they only start when you ask. A foreclosure costs them money too.
“I’ve had a hardship and I want to keep my home. Please send me a loss mitigation application and tell me every option for my loan.” If your loan is FHA, VA or USDA, ask about that program’s options by name.
Your latest mortgage statement, recent pay stubs or unemployment letter, two months of bank statements, last year’s tax return, and a short hardship letter. Expect a lot of paperwork. Send all of it, because a complete application is what protects you.
Date, time, who you spoke to and what they said. Keep copies and proof of when you sent your papers. A complete application more than 37 days before a sale stops that sale while they decide.
Don’t want to call alone? A free HUD-approved counselor will help: 1-800-569-4287. And if the home is ever sold at auction, ask about surplus funds: money left over after the debt is paid can belong to you, but you usually have to claim it.
What Wyoming gives you
Rights that exist because the property is in Wyoming, whatever a servicer tells you on the phone.
Where to get real help, free
Regional legal aid programs take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programs state by state.
HUD-approved housing counselors are free in every state — 1-800-569-4287. Some states, courts and counties run foreclosure mediation or counseling programs; ask your servicer or a HUD-approved counselor whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Checked against the statutes cited beside each step. Every legal claim on this page is registered with its citation and was checked against official sources and then reviewed again by an independent checker. Dates marked as estimates are estimates. Appellate case law was not independently verified, and laws change, so have a Wyoming foreclosure attorney confirm anything that matters before you act.
Questions people ask about Wyoming foreclosure
Short answers, each one sourced to the statute cited on this page.
How long does foreclosure take in Wyoming?
With no delays or disputes, a Wyoming foreclosure runs roughly 159 days from the first missed payment to the sheriff sale. The lender must mail a notice of intent at least 10 days before the first publication, and the sale is published once a week for four consecutive weeks. W.S. 34-4-103 and 34-4-104.
How long is the Wyoming redemption period?
Three months from the date of sale for a home, by paying the sale price plus 10 percent interest and costs, and 12 months for agricultural land. You keep possession during that time. W.S. 1-18-103 and 1-18-104.
Can a Wyoming lender come after me for the shortfall?
Yes. The lender must account to you for any surplus, and you remain liable for any deficiency. W.S. 34-4-113.
What is the Wyoming homestead exemption?
It is $100,000 for a home you occupy, and it protects against execution and attachment. It is generally not a defense to foreclosure of a mortgage you signed on the home. W.S. 1-20-101 and 1-20-102.
How long before Wyoming can take my home for unpaid property taxes?
The county treasurer sells a certificate of purchase on delinquent real estate at a tax sale, on a date the county sets after three weekly published notices. The holder can apply for a tax deed four to six years after the sale, or can foreclose its lien in district court. You can redeem until a valid tax deed application is filed and accepted, paying the sale amount plus 3 percent and 15 percent a year (no 3 percent if the county holds the certificate). W.S. 39-13-108 and 39-13-109.
Last verified: October 18, 2026. Every deadline and citation on this page was checked against Wyoming law and the federal rules it cites. Laws change during the year, so if something here looks out of date or wrong, tell us and we will check it against the law.