1. If real property is not used for agricultural purposes, as defined in section 535.13, and isnot the residence of the debtor, or ifit isthe residence of the debtor but not a single-family or two-family dwelling, then the period of redemption after foreclosure is one hundred eighty days. For the firstninety days after the sale the right of redemption is exclusive to the debtor and the time periods provided in sections 628.5, 628.15, and 628.16 are reduced to one hundred thirty-five days. If a deficiency judgment has been waived the period of redemption is reduced to ninety days. For the firstthirty days after the sale the redemption isexclusively the right of the debtor and the time periods provided in sections 628.5, 628.15, and 628.16 are reduced to sixty days. 2. Ifreal property is not used for agricultural purposes, as defined in section 535.13, and isa single-family or two-family dwelling which is the residence of the debtor at the time of foreclosure but the court finds that after foreclosure the dwelling has ceased to be the residence of the debtor and if there are no junior creditors, the court shall order the period of redemption reduced to thirty days from the date of the court order. If there is a junior creditor, the court shall order the redemption period reduced to sixty days. For the first thirty days redemption isthe exclusive right of the debtor and the time periods provided insections 628.5, 628.15, and 628.16 are reduced to forty-five days.
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