Wyoming
Wyoming Statutes § 34-4-101. Non-Judicial foreclosure state.
Judicial Type
Non-Judicial
Redemption
No statutory right of redemption after non-judicial power of
Deficiency
Lender may pursue deficiency. After non-judicial foreclosure
Mediation
No mandatory statewide program.
Statute Citation
Wyo. Stat. Ann. §§ 34-4-101 to 34-4-113
Redemption Period
No statutory right of redemption after non-judicial power of sale. The sale is final. Some limited redemption rights exist for judicial foreclosures.
Deficiency Judgment Rule
Lender may pursue deficiency. After non-judicial foreclosure, deficiency is debt − sale price. No fair value limitation in the non-judicial process. Deficiency action must be brought within the statute of limitations.
Notice Requirements
Notice of sale published and mailed to borrower. The power of sale must be conducted according to the terms of the mortgage. Wyoming's process is relatively straightforward.
Mediation Program
No mandatory statewide program.
Key Provisions
- Non-judicial power of sale (standard)
- No post-sale redemption
- Limited statutory requirements beyond what is in the mortgage
- No fair value limitation on deficiency in the non-judicial process
Homeowner Protections
- Mortgage terms must be followed strictly
- Borrower may file an action to enjoin the sale for procedural defects before the sale occurs
- Wyoming Community Development Authority provides foreclosure prevention resources
Frequently Asked Questions
How long does a foreclosure take in Wyoming?+
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