Wisconsin Redemption Rights — Reclaiming Your Property After Sale
Reinstatement before sale and statutory redemption after sale — your rights to keep or reclaim your home in Wisconsin.
Pre-sale reinstatement vs. post-sale redemption
| Reinstatement | Redemption | |
|---|---|---|
| When | Before the foreclosure sale | After the foreclosure sale |
| Amount owed | Arrears + fees + costs | Full loan balance + fees + costs |
| Available in Wisconsin | Yes — before the sheriff sale — borrower may reinstate by paying all amounts due; also during the statutory redemption period after judgment §846.13 | Yes — at any time before the sale — no post-sale statutory redemption under § 846.13 §846.13 |
| Effect | Loan continues as if no default | Property returned to borrower; sale reversed |
Reinstatement
Wisconsin allows reinstatement — paying all past-due amounts, fees, and costs to bring the loan current and stop the foreclosure. The deadline to reinstate is before the sheriff sale — borrower may reinstate by paying all amounts due; also during the statutory redemption period after judgment §846.13.
Statutory redemption
After the foreclosure sale, the mortgagor, the mortgagor's heirs, personal representatives, or assigns (junior lienholders redeem separately under § 846.15) may redeem the property within at any time before the sale — no post-sale statutory redemption under § 846.13 §846.13. To redeem, you must pay the full sale price (or the full debt, depending on state law) plus interest and costs. During the redemption period, the borrower may retain possession in some states.
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Frequently Asked Questions
General answers to common questions. Specific outcomes depend on your facts and timing.
If you have a deadline, court notice, or upcoming hearing, mention it when requesting assistance so timing can be evaluated promptly.
Related guides
- Deadline: before the sheriff sale — borrower may reinstate by paying all amounts due; also during the statutory redemption period after judgment
- Redemption period: at any time before the sale — no post-sale statutory redemption under § 846.13
- Eligible to redeem: the mortgagor, the mortgagor's heirs, personal representatives, or assigns (junior lienholders redeem separately under § 846.15)