Cheyenne, WY › Foreclosure
Can I Sell My Cheyenne House in Foreclosure?
Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
Yes, a sale may still be possible if the required payoff can be completed in time. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us — in Cheyenne and Laramie County. The notices and actual sale date matter, so have the payoff and timing checked for your property.
Call 888-274-5006We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.
How we help you work toward closing
Tell us the property address, what notices you received, and the sale date shown on them. We review the house as-is and, if we make an offer, give you the written price and terms before you commit. A title company reviews the title and payoff details as the sale moves toward closing.
The agreement gives us a basis to ask for a postponement; it does not move the sale date by itself. Keep checking the current date and required steps with the lender, the party handling the sale, and a title company or attorney.
Which sale is involved?
Wyoming permits a mortgage with a power of sale to be foreclosed by advertisement without a lawsuit. Written notice of intent is mailed to the owner and any different occupant at least 10 days before newspaper publication begins. The sale notice is published once a week for four consecutive weeks, and a copy is sent by certified mail before publication starts. The sheriff, a deputy, or the lender may conduct the sale. Check the actual notices for your property rather than treating these general steps as a personal countdown.
If a sale has already happened, the post-sale redemption period is separate from asking to postpone a sale. For nonagricultural property, the owner generally has three months to redeem by paying the purchase price plus statutory interest and certain costs; agricultural property can have a 12-month period. The owner generally keeps possession during that period. A title company or attorney can confirm the deadline, property classification, and amount for your case.
Sources: W.S. 34-4-103 and 34-4-104 (notices); W.S. 34-4-108 and 34-4-109 (sale and postponement); W.S. 1-18-103 and 1-18-104 (redemption and possession).
A tax sale is a different process
A mortgage foreclosure and a county process involving delinquent property taxes are not the same sale. Do not use the mortgage notice and publication timeline for a property-tax notice. Follow the notice and contact Laramie County about the tax process.
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Ask the lender for the current payoff and let the title company review other liens and amounts due. Those figures are separate from closing costs and affect whether a sale can close with enough time before the scheduled sale.
What happens next
- Contact us with the address, the notice, and the sale date. You can call or use the form below.
- We review the house and give you written offer terms before you commit.
- If you choose to proceed, the title company checks title and payoff details, and we use the agreement to ask for a postponement when needed.
- The title company coordinates the closing and the required payoff from the sale proceeds.
When you sell to us, we pay the closing costs. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Local Laramie County contacts
For a property-tax notice, start with the county's tax information and the instructions on your notice. The County Clerk and Assessor are also official county contacts for property-related questions.
Questions and contact
Compare a possible sale with your other options using the Cheyenne home-sale net proceeds calculator. The estimate is for planning; your payoff, title, and written terms determine the figures for your property. You can also read Cheyenne-area seller reviews.
Foreclosure questions for Cheyenne sellers
Can I sell my Cheyenne house before a foreclosure sale?
A sale may still be possible if the required payoff can be completed in time. Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Confirm the payoff and current sale date for your property.
Does signing an agreement automatically postpone a Wyoming foreclosure sale?
Our agreement of sale will often get a foreclosure sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think.
What notice and redemption periods apply to a Wyoming mortgage foreclosure?
For a mortgage with a power of sale, Wyoming allows foreclosure by advertisement without a lawsuit. Written notice of intent is mailed at least 10 days before newspaper publication begins; the sale notice is published once a week for four consecutive weeks, and a copy is sent by certified mail before publication starts. After a sale, nonagricultural property generally has a three-month redemption period and agricultural property can have 12 months. Confirm the notice, property classification, deadline, and amount with a title company or attorney.
Is a property-tax sale the same as a mortgage foreclosure?
No. The mortgage foreclosure notice and sale steps are different from a county process involving delinquent property taxes. Do not apply a mortgage foreclosure deadline to a property-tax notice; follow the notice and contact Laramie County about the tax process.
What if the payoff is more than my Cheyenne house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask your lender for the current payoff and have the title and lien details reviewed.
What happens to my payoff and closing costs if I sell to you?
We review the written terms, title, and required payoff as part of working toward closing. When you sell to us, we pay the closing costs. That does not pay your mortgage, liens, back taxes, or your share of current property taxes.
Talk through the sale date and payoff
Call 888-274-5006 or send the property address for a written cash offer.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Takes 2 minutes. No obligation.