State Foreclosure Law
Nevada Foreclosure Laws
Foreclosure laws, timelines, homeowner protections, and free legal resources for Nevada.
Typical Timeline
~180 days
From first notice to sale
Homestead Exemption
$605,000
Must file to claim
Deficiency Judgment
Limited
Not after non-judicial sale
Research depth: Standard · Last reviewed March 10, 2026 · Awaiting attorney validation
4 cited
17 needs check
7 gaps
Not legal advice. This page provides general information about Nevada foreclosure law based on cited statutes and rules. Every citation links to the official source for verification. Laws change — always confirm current statute text and consult a Nevada-licensed attorney for advice specific to your situation.
Governing Statutes
| Citation | Title | Covers |
|---|---|---|
| NRS 107.080 et seq. | Non-Judicial Foreclosure | Trustee's sale process, 3-month notice of default, 21-day notice of sale, recording and mailing requirements |
| NRS 107.0855 et seq. | Foreclosure Mediation Program (FMP) | Nevada's mandatory foreclosure mediation program — borrower election, mediator duties, document production, certificate of good faith |
| NRS 40.455 | Anti-Deficiency Statute | Strong anti-deficiency protection for purchase money deeds of trust on residential property — no deficiency after non-judicial sale |
| NRS 115.010 | Homestead Exemption | $605,000 homestead exemption — one of the highest in the country |
Non-Judicial Foreclosure Process
Awaiting verification1
Default and Loss Mitigation Contact
~120 days
Federal law requires your servicer to wait at least 120 days after your first missed payment before starting foreclosure. During this time, the servicer must contact you about options to avoid losing your home. Nevada law (NRS 107.0855) separately requires documented good-faith contact attempts before recording a default notice.
2
Notice of Default and Election to Sell
~35 days
The trustee records a Notice of Default in the county recorder's office and mails it to you by both certified and first-class mail within 10 days. Critically, this notice includes a Mediation Election Form — you have 30 days to request mediation, which pauses the entire foreclosure.
3
Mediation Election (if requested)
~90 days
Within 30 days of receiving the default notice, you can request mediation by submitting the election form and a $200 fee (waived if you cannot afford it). Once you elect mediation, the sale is paused until the process is complete.
4
Notice of Trustee's Sale
~21 days
If mediation is not elected (or after mediation is concluded without resolution), the trustee may record a Notice of Trustee's Sale no earlier than 3 months after the Notice of Default was recorded. The Notice of Sale must be: (a) recorded in the county recorder's office, (b) posted on the property for at least 21 consecutive days before the sale, (c) published in a newspaper once a week for 3 consecutive weeks before the sale, and (d) sent by certified mail to the borrower and all interested parties at least 21 days before the sale.
5
Trustee's Sale (Auction)
~10 days
The property is sold at public auction on the date, time, and place specified in the Notice of Sale. The sale must be between 9 AM and 5 PM on a business day. The lender may credit bid up to the amount owed. Third parties bid against the lender. The highest bidder receives a Trustee's Deed Upon Sale after the sale. If the property is owner-occupied and the loan was purchase money, the lender is precluded from seeking deficiency.
6
Trustee's Deed and Title Transfer
~10 days
The trustee executes a Trustee's Deed Upon Sale and records it with the county recorder. The deed recites compliance with NRS Chapter 107. Recording completes the transfer of title to the purchaser. Any existing mortgage liens are extinguished by the sale; junior liens (other than property taxes) are also extinguished.
7
Eviction (Summary Process)
~14 days
After recording the Trustee's Deed, if the former owner remains in possession, the new owner files for a Summary Eviction in Justice Court under NRS 40.280. Nevada's summary eviction process is fast — a hearing is typically scheduled within 7-14 days and a lockout can be executed shortly after. Bona fide tenants receive 90 days under federal PTFA.
Judicial Foreclosure Process
Awaiting verification1
File Complaint in District Court
The lender files a foreclosure complaint in the District Court of the county where the property is located, serving the borrower. The court schedules the case on its docket.
2
Court Proceedings
The case proceeds like civil litigation — answer, discovery, motion practice, and potentially trial if the borrower contests. A judicial foreclosure decree is entered if the lender prevails.
3
Sheriff's Sale and Redemption Period
Following a foreclosure decree, the Sheriff conducts a public auction. For owner-occupied 1-4 family dwellings where the sale proceeds are less than the debt, the owner has a 1-year redemption period to reclaim the property by paying the sale price plus interest.
Homeowner Protections
Awaiting verificationHomestead Exemption
$605,000
Must file a homestead declaration. Does not protect against foreclosure by the mortgage holder (only judgment creditors).
Deficiency Judgment
Prohibited after non-judicial sale
Nevada has strong anti-deficiency protections for residential mortgages. Under NRS 40.
Right of Redemption
No post-sale redemption.
Pre-sale reinstatement available. Before the foreclosure sale.
Right to Cure
Nevada allows borrowers to reinstate the loan (cure the default) at any time before the trustee's sale by paying all arrears, late fees, trustee fees, and attorney costs — but NOT the full accelerated balance
All past-due payments, late fees, and reasonable costs of foreclosure (trustee fees, attorney fees, recording fees). The borrower resumes the loan on its original terms after cure.
Nevada Foreclosure Mediation Program (FMP)
Awaiting verificationNevada offers a statewide foreclosure mediation program. §
Key Requirements
Administered By
Nevada District Courts (statewide)
Free Legal Resources in Nevada
- HUD-Approved Housing CounselorsFree, federally funded housing counseling agencies in Nevada. Can help with loan modification applications, mediation preparation, and understanding your options.Find a counselor in Nevada →
- State Bar of Nevada Lawyer Referral and Information ServiceLawyer referral service for your area.nvbar.org →
Find Help in Nevada
We maintain a verified directory of free and low-cost help providers in Nevada. All are government-approved or federally funded.
National Foreclosure Guides
These guides explain foreclosure at the federal level — your rights, your options, and what to do at each stage. They apply in every state, including Nevada.
Facing Foreclosure?
Overview of the process, your options, and where to get free help
How to Stop Foreclosure
Steps you can take today — forbearance, modification, legal aid, bankruptcy
Your Rights in Foreclosure
Federal protections under CFPB Regulation X and loss mitigation rules
How Foreclosure Works
Stage-by-stage walkthrough from missed payments to sale
Behind on Your Mortgage?
What to do if you've missed a payment or know you'll miss one soon
Bankruptcy & Foreclosure
How Chapter 7 and Chapter 13 can stop or delay foreclosure
Nevada Distress Data
The American Distress Index tracks household financial distress at the national level. Here are ADI indicators with particular relevance to Nevada homeowners:
Foreclosure Filings
National trend
Nevada has both judicial and non-judicial foreclosure processes.
The FHA Signal
FHA delinquency rate
FHA serious delinquency rate — the canary in the coal mine for borrowers with thin down payments.
The Pipeline
Foreclosure starts & completions
Monthly foreclosure starts and completions from CoreLogic — the volume flowing through the system.
First Missed
Early-stage transitions
Borrowers transitioning from current to 30-days late — the earliest warning signal before delinquency rises.
See the full picture: Foreclosure Statistics 2026 | Mortgage Delinquency Statistics 2026
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