How does foreclosure work in Utah?
Utah uses a nonjudicial foreclosure process. The homeowner can sell or refinance the home up until the trustee's sale takes place (after the 3-month cure window this requires paying the loan off in full, since arrears-only reinstatement has expired).
Can you catch up and keep your home?
Trustor, successor in interest, or junior lienholder may cure the default and reinstate the loan by paying the past-due amounts plus actual costs and trustee's/attorney fees within 3 months after the Notice of Default is recorded; upon cure the loan is reinstated as if no acceleration had occurred. Unlike some states, the statutory cure right does NOT run to the eve of sale — it is limited to the 3-month window (after that, only a full payoff or lender agreement stops the sale).
Until when can you sell and keep your equity?
The homeowner can sell or refinance the home up until the trustee's sale takes place (after the 3-month cure window this requires paying the loan off in full, since arrears-only reinstatement has expired). See your exact dates with the free Utah Foreclosure Deadline Calculator.
The honest math on a Utah foreclosure
Every day you carry the loan, arrears, fees, and interest grow. A traditional listing takes weeks to market and 30–45 more days for a financed buyer to close — time you may not have before the sale date.
A cash sale that closes before the sale date lets you walk away with your equity instead of losing it at auction. Talk to a free HUD counselor too — you may have options beyond selling.