Can I Sell My Rock Springs House in Foreclosure?

How we help you work toward a closing

USA Home Buyers buys houses in Rock Springs and Sweetwater County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what is happening and share the property address. We review the house and work toward a written offer and a title-company closing.

Written offer and written terms before you commit; title-company closing. Our agreement can give us a way to ask for a postponement, but signing alone does not change the sale date. We check the current deadline and payoff requirements with the people handling the loan and closing.

You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.

When you sell to us, we pay the closing costs. The mortgage payoff, liens, back taxes, and your share of current property taxes are separate amounts reviewed for closing.

Which sale notice are you facing?

Start with who sent the notice. A mortgage foreclosure and a county tax sale are different processes, with separate deadlines. The mortgage rules below apply to a Wyoming mortgage with a power-of-sale clause; they are not a tax-sale calendar.

Wyoming mortgage foreclosure by advertisement

If your mortgage has a power of sale, Wyoming law allows the lender to foreclose by advertisement without filing a lawsuit. Check the notices you received: written notice of intent is mailed to the owner and any different occupant at least 10 days before newspaper publication starts. The sale notice is published once a week for four consecutive weeks, with a copy sent by certified mail before publication begins. The sheriff, a deputy, or the lender may conduct the sale. Read the full notice rules in Wyoming Statutes sections 34-4-103 and 34-4-104.

After the sale, the owner of nonagricultural property generally has three months to redeem by paying the purchase price, statutory interest, and certain costs. Agricultural property can have a 12-month redemption period, and the owner generally keeps possession during that time. See Wyoming Statutes sections 1-18-103 and 1-18-104. Ask a title company or attorney to confirm which deadline and amount apply to your property.

A county tax-sale notice is separate. Do not use the mortgage notice or redemption timing above to work out a tax-sale deadline. Use the county notice and ask the Sweetwater County Treasurer or an attorney to confirm the date and steps for that process.

What happens next

1. 1. Tell us what is going on. Call or use the form with the Rock Springs property address, the notice date, and the payoff question you are trying to solve.
2. 2. Review the written offer and terms. You can read the terms before deciding whether to accept.
3. 3. Check payoff and title details. The title company reviews ownership, liens, and the amount needed to close; the current sale date still needs confirmation with the lender or the office handling the sale.
4. 4. Work toward closing. If the payoff and required steps can be completed, the title company coordinates the closing.

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 help in Sweetwater County

• Sweetwater County Clerk land records are the county resource for recorded property documents.
• Sweetwater County property tax search can help you look up tax records. For a tax-sale date, use the notice you received and confirm it with the Treasurer; mortgage-sale dates do not set tax-sale dates.

Questions and contact

Compare a possible sale with your other options. The Rock Springs home-sale calculator estimates possible net proceeds; it does not determine a foreclosure deadline or property-specific payoff. You can also read the Rock Springs trust and reviews page.