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For homeowners seeking the Wyoming mortgage relief program, it is critical to know that the Wyoming Homeowner Assistance Fund (HAF) Program is now closed and no longer accepting new applications. If you have already applied, processing continues.
However, for those facing mortgage difficulties or the risk of foreclosure, significant help is still available. This resource details the active mortgage assistance programs, foreclosure prevention counseling, and other financial support systems currently operating in Wyoming to help you secure your home.
Understanding the current status of the HAF program is the first step for anyone seeking housing assistance. This temporary federal initiative has concluded its application phase, shifting the focus to ongoing, permanent state resources.
HAF Program Officially Closed
The Wyoming Department of Family Services (DFS) officially stopped accepting new HAF applications as of October 31, 2024. This program was funded by a one-time, $50 million federal allocation from the American Rescue Plan Act of 2021 to address COVID-19 related hardships. With these funds now largely distributed, the state has returned to its established support systems.
Guidance for Existing Applicants
If you submitted a HAF application before the deadline, the program continues to process these requests. It is important to monitor your communications for any updates or requests for information.
NoReplyWYOHAF@wyo.gov, and phone calls will be from 1-877-996-4237. Prompt responses are crucial.homeowner.assistance@wyo.gov.A Critical Warning on Mortgage Scams
The Wyoming Department of Family Services warns residents to be cautious of mortgage scams. Be wary of anyone requesting upfront fees or personal financial information to help you get assistance. Legitimate government programs, including HAF, do not charge fees for their services.
While HAF has closed, the Wyoming Community Development Authority (WCDA) is the state's primary, permanent resource for homeowner support. The WCDA focuses on creating long-term housing stability through established assistance channels.
Your First Call: The WCDA Servicing Department
If you are struggling with mortgage payments, especially on a WCDA loan, proactive communication is key. The WCDA urges homeowners to contact its servicing department as soon as they anticipate difficulty.
You can reach the WCDA mortgage assistance team by:
servicing@wyomingcda.com.Understanding WCDA Loss Mitigation
Contacting the WCDA begins the "loss mitigation" process, which aims to find a plan to avoid foreclosure. This requires submitting a Mortgage Assistance Application Packet, available on the WCDA website for both FHA and Non-FHA loans.
The WCDA recognizes a wide range of financial hardships, including:
Refinance Opportunities for Long-Term Stability
For homeowners not yet delinquent but concerned about future payments, the WCDA offers refinance programs to secure a more manageable monthly payment.
Beyond state agencies, several federal programs provide a critical safety net for Wyoming homeowners, especially those in rural areas or with very low incomes. These programs help address root causes of mortgage delinquency.
USDA Rural Development: A Lifeline for Rural Homeowners
The U.S. Department of Agriculture (USDA) Rural Development office in Wyoming offers programs to promote affordable homeownership in the state's rural communities.
HUD-Backed Resources and Expert Guidance
The U.S. Department of Housing and Urban Development (HUD) strongly recommends that homeowners in distress seek advice from an approved housing counseling agency. These nonprofit agencies provide free or low-cost expert guidance.
A housing counselor can help determine which program—from a WCDA loss mitigation plan to a USDA repair grant—is the best fit for your specific circumstances.
Wyoming Housing Assistance Contact Directory
This directory consolidates contact information for key organizations providing mortgage and housing support in Wyoming.
| Organization/Program | Primary Service | Phone Number | Website/Email |
|---|---|---|---|
| WCDA Mortgage Servicing | Assistance for WCDA loans | (307) 265-5102 | servicing@wyomingcda.com |
| Wyoming Housing Network | Free Foreclosure Counseling | (307) 233-8511 | whninc.org |
| USDA Rural Development (WY) | Rural Home Loans & Repair | (307) 233-6799 | GRHWest-wy@usda.gov |
| HUD Housing Counselor Locator | Nationwide Counselor Search | (800) 569-4287 | hud.gov/counseling |
| Wyoming 2-1-1 | General Community Resources | Dial 2-1-1 | wyoming211.org |
| Wyoming LIEAP | Energy Bill Assistance | (800) 246-4221 | lieapwyo.org |
Receiving a foreclosure notice can be overwhelming, but inaction is the worst response. Understanding the process and taking immediate steps can create a path toward a positive resolution.
Understanding the Foreclosure Process in Wyoming
In Wyoming, lenders may use either a judicial foreclosure (requiring a court order) or a non-judicial foreclosure (if a "power of sale" clause exists in the mortgage). The non-judicial process is typically faster. In either case, homeowners have rights and a window of time to act.
Wyoming Housing Network: Your Foreclosure Prevention Partner
The Wyoming Housing Network (WHN) offers free, confidential, and HUD-certified foreclosure counseling services sponsored by the State of Wyoming Attorney General's Office. Their counselors can help at any stage, from pre-delinquency planning to post-foreclosure credit rebuilding. To start, call WHN at (307) 233-8511.
Required Documentation for Counseling
To make your counseling session productive, gather these key documents beforehand:
Essential Steps to Avoid Foreclosure
Guidance from HUD highlights several key steps to improve your chances of saving your home:
Mortgage difficulties are often a symptom of broader financial strain. Several Wyoming programs can help ease this pressure, making it easier to stay current on your mortgage.
Help with Utility and Energy Bills (LIEAP)
The Wyoming Low Income Energy Assistance Program (LIEAP) helps eligible low-income households with heating costs. To qualify, a household's income must be at or below 60% of the state's median income. The program prioritizes households with seniors, individuals with disabilities, and young children. Applications can be submitted at lieapwyo.org or by calling 1-800-246-4221.
Connecting with Broader Community Resources via Wyoming 2-1-1
If you are struggling with your mortgage, you may also need help with food, healthcare, or other necessities. Wyoming 2-1-1 is a free, confidential service that connects you to a wide range of local health and human services. By dialing 2-1-1 or visiting wyoming211.org, you can build a comprehensive support system to address all underlying financial pressures.
As of late 2025, the federally funded Wyoming Mortgage Relief Program, part of the Homeowner Assistance Fund (HAF), is closed to new applications. The program was designed to provide temporary emergency relief, and its application portal has ceased operations after distributing the allocated funds to eligible homeowners.
The main objective of Wyoming's Homeowner Assistance Fund was to prevent mortgage delinquencies, defaults, and foreclosures for homeowners experiencing financial hardship due to the COVID-19 pandemic. The program provided crucial funds to help eligible residents stay in their homes by covering past-due housing-related expenses.
Eligibility primarily targeted Wyoming homeowners with incomes at or below 150% of the area median income who experienced a documented financial hardship after January 21, 2020. Applicants had to own and occupy the property as their primary residence and have a mortgage or other qualified housing debt.
The Wyoming homeowner assistance covered more than just mortgage payments. Eligible uses included reinstating a delinquent mortgage, paying past-due property taxes, homeowner's insurance, and even homeowner association (HOA) fees. This comprehensive support aimed to resolve various threats to housing stability for struggling families.
The assistance provided through the Wyoming Mortgage Relief Program was a grant, not a loan. This means homeowners who received funds are not required to repay the assistance they were awarded. This structure was designed to provide direct financial relief without creating future debt for applicants.
Wyoming's program offered a substantial amount of aid to address serious delinquencies. Eligible homeowners could receive a one-time grant for their past-due housing expenses. While the exact amount depended on the individual's need, the program was structured to provide significant foreclosure prevention support.
The Wyoming Community Development Authority (WCDA) was the designated state agency responsible for administering the Wyoming Mortgage Relief Program. The WCDA managed the application process, determined eligibility, and disbursed the Homeowner Assistance Fund payments directly to mortgage servicers and other relevant payees.
Yes, foreclosure prevention was a core component. Beyond providing funds, the program worked to halt active foreclosures for approved applicants by providing the necessary capital to cure the default. This intervention was critical for homeowners who were at imminent risk of losing their homes.
The Wyoming Mortgage Relief Program was designed to assist with a wide range of housing debts. This included not only traditional mortgages but also contracts for deed, manufactured home loans, and other forms of secured home financing, ensuring broad access to homeowner assistance across the state.
Yes. Although the Wyoming Mortgage Relief Program has ended, homeowners facing financial hardship can still seek help. Contacting a HUD-approved housing counselor in Wyoming is a recommended first step. They can provide free guidance on budget management, loss mitigation options, and other potential assistance programs.
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