Nevada foreclosure laws: how the process works and how long it takes
In Nevada, a home can be sold without going to court. The lender or trustee sets the sale date, so the total depends on its schedule and any postponements.
Nevada at a glance
- Does a Nevada foreclosure go through a court?
- Usually not. The home is sold after notices the law requires.
- How long does it take?
- 1,507 days on average for foreclosures that finished in the second quarter of 2026, according to ATTOM.
- How far behind can you get before it starts?
- Usually more than four months of missed payments.
- Can you catch up to stop it?
- Yes in some cases, until the sale, with conditions. Deadlines by kind of foreclosure
- Can you get the house back after the sale?
- No, after a sale without a court (a trustee sale), the usual kind in Nevada. After a sale through a court, up to 1 year after the sale.
- Can the lender come after you for what the sale doesn't cover?
- In some cases. State law limits it.
- Is there mediation?
- Yes: the Nevada Foreclosure Mediation Program (FMP). How to sign up
- How many Nevada homeowners are 90+ days behind?
- The share of borrowers with a mortgage who were 90+ days behind was 1.6% in the first quarter of 2025, higher than the U.S. (1.2%). How Nevada compares
What "without a court" means for you in Nevada
Not Nevada
Through a court
The lender files a lawsuit, and a judge has to approve the sale. You can answer in court, and no law sets how fast a case goes.
Nevada
Without a court
The lender or a trustee sends the notices the law requires and sells the home at a public sale. There's no lawsuit unless you file one, so the dates in each notice matter most.
How foreclosure works in Nevada, step by step
The 7 steps of a foreclosure in Nevada, and the time the law gives each
Each step in order, with the time the law gives it. 4 of the 7 have a time set in law; "No set time" means the lender sets the pace.
- 120+ days behind You fall behind on payments
- No set time You get a notice of default
- Within 90 days Mediation
- 20 days The sale is advertised
- No set time The home is sold at auction
- Within 30 days The buyer gets the deed
- No set time You may be asked to leave
Each step in detail, with the law behind it
-
Step 1
You fall behind on payments
Federal rules give you time to apply for help before anything is filed. Source 12 CFR 1024.41
-
Step 2
You get a notice of default
Starts a 3-month minimum wait before notice of the sale can be given
The trustee records a Notice of Default in the county recorder's office and mails a copy to you by registered or certified mail. Source NRS 107.080
-
Step 3
Mediation
Scheduled to conclude within 90 days after the mediator is assigned
Within 30 days after being served with the default notice, you can petition the district court for mediation, paying a $25 filing fee and your share of the mediation fee. Source NRS 107.086
-
Step 4
The sale is advertised
Posted for 20 days in a row and published once a week for 3 consecutive weeks before the sale
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. Source NRS 107.080(4)
-
Step 5
The home is sold at auction
On the scheduled sale date, between 9 a.m. and 5 p.m.; the sale can be postponed
The property is sold at public auction on the date, time, and place specified in the Notice of Sale. Source NRS 107.081
-
Step 6
The buyer gets the deed
Deed recorded within 30 days after the sale, or delivered to the buyer within 20 days and recorded within 10 days after delivery
The trustee executes a Trustee's Deed Upon Sale and records it with the county recorder (or delivers it to the buyer, who records it). Source NRS 107.080
-
Step 7
You may be asked to leave
Starts with a 3-day notice to surrender; court timing varies
After recording the Trustee's Deed, if the former owner remains in possession, the new owner serves a 3-day notice to surrender and can then bring an unlawful detainer case in court under NRS 40.290 to 40.420. Source NRS 40.255
Deadlines for stopping a foreclosure in Nevada
Catching up means paying what you've missed, plus late fees and the trustee's and attorney's costs, but not the whole loan. How late you can do it depends on the kind of foreclosure.
| Kind of foreclosure | Deadline | What starts the clock |
|---|---|---|
| Without a courtA home you live in | Up to 5 days before the sale | Your catch-up window opens once the notice of default is recorded and mailed. It closes 5 days before the sale date. Source NRS 107.0805(1)-(2) |
| Without a courtAny other home | 35 days after the notice of default | The 35 days start the day after the notice of default is both recorded and mailed, so a later mailing moves the deadline. Source NRS 107.080(2)-(3) |
| Through a courtAny home | Your loan papers decide | We found no catch-up deadline in the law for a court foreclosure, so your loan papers decide. Source NRS 107.080, 107.0805 |
| After the sale | ||
| Without a court | No buying back | There's no right to buy the home back after a trustee sale. Source NRS 107.080 |
| Through a court | Up to 1 year after the sale | The clock starts on the court sale date. Ask the court or a lawyer whether your sale allows buying back. Source NRS 40.430, 21.210 |
| Other deadlines and rules | ||
| Any foreclosureAny home | At least 30 days after the pre-foreclosure notice is mailed | Your lender or servicer has to wait that long before recording a notice of default or filing a court foreclosure. The notice itself also has to come at least 30 days after your default. Source NRS 107.500(1) |
| Without a courtAny home | At least 3 months after the notice of default is recorded | The trustee has to wait that long before giving notice of sale. This is a minimum wait, not your deadline to catch up. Source NRS 107.080(2)(d) |
| Without a courtOwner-occupied homes | Within 30 days after you are served the notice of default | Petition the district court for foreclosure mediation and pay the required fees by then. This applies if you do not waive mediation. Source NRS 107.086(3) |
| Any foreclosureAny home | Within 30 days after the servicer acknowledges your application | If your application is incomplete, you have at least 30 days after the first acknowledgment to send the missing items. Your letter shows the actual deadline. Source NRS 107.530(1)(a) |
| Any foreclosureAny home | Within 14 days after you receive the offer | Accept or reject the servicer's foreclosure prevention offer by then. A denial has its own, separate appeal period. Source NRS 107.530(2) |
| Any foreclosureAny home | At least 30 days after the servicer sends its denial | The denial has to give you at least 30 days to ask for an appeal. Foreclosure action can't resume until at least 31 days after the denial was sent, and longer if you appeal. Source NRS 107.530(4)-(5) |
| Through a courtAny home | Within 21 days after you are served | File your written answer to the foreclosure complaint in court by then. A waiver of service or a special statute may change this. The same 21 days applies to paying your share of the court mediation fee if you want mediation. Source NRCP 12(a)(1)(A)(i) |
| Any foreclosureAfter the buyer has title | Within 3 days after you are served a surrender notice | Once title from the foreclosure sale is perfected, the buyer can seek your removal if you stay past three days after a written notice to surrender. Source NRS 40.255(1) |
Not sure which kind yours is? A court summons or lawsuit means a court foreclosure. A notice of default or notice of sale with no lawsuit means one without a court.
Asking for help: For covered loans and servicers, receiving a complete application more than 37 days before a scheduled sale can require the mortgage company to wait while it evaluates it. Prior applications and other exceptions matter. Ask the company to confirm receipt and what is still missing; preparing a package here does not pause a sale.
How far behind can you get before a Nevada foreclosure starts?
More than 120 days, about four months of missed payments, for most loans on the home you live in. The federal rule has exceptions, such as a reverse mortgage, or a sale or transfer of the home without the lender's OK.
Your mortgage company generally has to try to reach you by day 36 and send a letter about help options by day 45.
A Nevada foreclosure usually can't start until you're more than 120 days behind
Days behind on your mortgage, against the federal waiting period before filing a foreclosure case or starting a nonjudicial foreclosure
Days behind on payments
What you can do at each step of a Nevada foreclosure
What tends to go wrong for people at each point, and the step that answers it.
| When | What goes wrong | What you can do |
|---|---|---|
| You've missed a payment | You're told to wait, or passed from person to person, while the clock runs. | Ask your mortgage company (the servicer, the company on your statement) what help it offers, in writing, and keep a copy of everything you send and get. A complete application sent well before any sale date has to be reviewed before the sale can go ahead Source 12 CFR §1024.41. How a loan modification works. |
| The first notice arrives | Foreclosure keeps moving while your application is still being reviewed. | Every notice has a date on it, and that date is what you plan around. You can also ask about the Nevada Foreclosure Mediation Program (FMP). |
| A sale date is set | The sale is days or weeks away. | A HUD-approved housing counselor or legal aid can help right away. Both are free. Paying what you're behind can stop the sale only where Nevada's catch-up rule allows it. Filing for bankruptcy usually pauses a sale while the automatic stay lasts, though the stay has exceptions and can be short for someone with a recent dismissed case Source 11 U.S.C. §362. |
| After the sale | Money left over sits unclaimed, or you're told to leave at once. | After a sale without a court (a trustee sale), the usual kind in Nevada, there is no right to buy the home back. After a sale through a court there can be a window: the rule is below. Ask the court or trustee whether any surplus is being held. Removing you still takes the notice and court process state law sets. |
Signing up for the Nevada Foreclosure Mediation Program
- File a Petition for Mediation Assistance and the required fees with the district court.
- Send the required copies to the program and to the trustee, the company handling the sale.
- Deadline
- File within 30 days after you are served with the notice of default and election to sell.
- Cost
- The court rule lists a $25 filing fee and $250 in mediation fees. Ask the district court how the fee is shared.
- Does it stop the sale?
- A trustee's sale needs a certificate from the program. Ask the district court how that applies to your case.
Read Nevada's mediation rules leg.state.nv.us
Can your HOA or condo association foreclose in Nevada?
If you fall behind on association dues, the association can put a lien on your home. If it forecloses for unpaid dues, these rules apply, not the mortgage deadlines.
Can it foreclose, and how?
Yes. Under the Common-Interest Ownership Act, an association may sell a condo, planned-community home, or qualifying co-op unit without going to court, after it completes the legal steps. A separate older condo provision also allows a sale.
Read the law's words
“…in a condominium, in a planned community, in a cooperative where the owner’s interest in a unit is real estate under NRS 116.1105, or in a cooperative where the owner’s interest in a unit is personal property…” leg.state.nv.us
Is there a minimum debt or a waiting period?
Under that act, the association has to wait at least 60 days after a bill becomes past due before it starts collection steps. Then it has to give you 30 days to pay, enter a plan, or ask for a hearing. The law doesn't state a dollar minimum in these sections.
Read the law's words
“Not earlier than 60 days after the obligation becomes past due, the association mails to the address on file for the unit’s owner or, if authorized by the parties, delivers by electronic transmission: (1) A sch…” leg.state.nv.us
What notices come first?
Under that act, the association has to send a delinquency notice. It has to wait at least 30 days before it records the default. After the default notice, it has to wait 90 days before a sale. It also has to record and send the sale notice. It has to post the sale notice for 20 days. It has to publish the sale notice once a week for three weeks. The older condo law uses a 60-day default period before the sale notice.
Read the law's words
“Not less than 30 days after mailing or delivering by electronic transmission the notice of delinquent assessment pursuant to paragraph (a), the association or other person conducting the sale has executed and c…” leg.state.nv.us
Do you have a right to a payment plan?
Before it starts collection, the association has to offer you a repayment plan. You have 30 days to agree to one or ask for a board hearing.
Read the law's words
“Not earlier than 60 days after the obligation becomes past due, the association mails to the address on file for the unit’s owner or, if authorized by the parties, delivers by electronic transmission: (1) A sch…” leg.state.nv.us
Can the HOA's claim go ahead of the mortgage?
Under that act, up to nine months of common assessments, certain maintenance charges, and capped collection costs can rank ahead of a first mortgage. The older condo law instead goes by recording order and lets the declaration put the association's lien behind others.
Read the law's words
“The unpaid amount of assessments, not to exceed an amount equal to assessments for common expenses based on the periodic budget adopted by the association pursuant to NRS 116.3115 which would have become due in…” leg.state.nv.us
What protects you?
Under that act, the association generally can't sell your unit for a fine alone, unless the violation meets a stated health or safety exception or a construction-penalty exception.
Read the law's words
“The association may not foreclose a lien by sale based on a fine or penalty for a violation of the governing documents of the association unless: (a) The violation poses an imminent threat of causing a substant…” leg.state.nv.us
Can you buy the home back after the sale?
Under that act, if you're eligible, you may buy the home back within 60 days after the sale by paying the amount the law sets. Under the older condo law, you have no right to buy the home back after a sale.
Read the law's words
“…may redeem the property at any time within 60 days after the sale by paying: (a) The purchaser the amount of his or her purchase price, with interest at the rate of 1 percent per month thereon in addition, to t…” leg.state.nv.us
Who these rules cover: Condos, planned communities, and qualifying co-ops under NRS Chapter 116; certain older or exempt condos may instead use NRS Chapter 117. Small planned communities and other exclusions can have different rules.
Protections in Nevada law
Open one to read the rule in the law's own words.
Nevada Foreclosure Mediation Program (FMP) State program
Nevada's Foreclosure Mediation Program was established in 2009 (NRS 107.086) in response to the Great Recession foreclosure crisis. To take part, the homeowner must petition the district court within 30 days after being served with the Notice of Default and pay a $25 filing fee plus a share of the mediation fee; the mediator schedules the mediation to conclude within 90 days of being assigned. The lender or its representative must be physically present, and the representative must have authority to negotiate a loan modification or have access at all times during the mediation to a person with that authority. Required documents include the original or a certified copy of the mortgage note, the deed of trust and each assignment, an appraisal or broker's price opinion not more than 60 days old, and, if a third party represents the lender, proof of its authority. If the lender fails to attend, participate in good faith, bring the required documents or have the required authority, the mediator recommends sanctions and the court may impose the sanctions it finds appropriate, including requiring a loan modification. More on the Nevada Foreclosure Mediation Program (FMP).
Catching up after the loan is called due (reinstatement) State law
For a trustee sale of an owner-occupied home, you may reinstate until five days before sale. For other deeds of trust, you have 35 days after the notice of default is both recorded and mailed. For court foreclosure, check your loan papers. Source NRS 107.080(2)-(3), 107.0805(1)-(2)
The legal details
The Nevada laws behind this page
- NRS 107.080 et seq.: Trustee's sale process, 3-month wait after the notice of default, 20-day posting of the notice of sale, recording and mailing requirements
- NRS 107.086: Nevada's foreclosure mediation program — borrower petition, mediator duties, document production, sanctions
- NRS 40.455: Deficiency judgments after a foreclosure or trustee's sale: 6-month deadline to apply, fair-market-value limits, and no deficiency for qualifying owner-occupied purchase loans from financial institutions
- NRS 115.010: $605,000 homestead exemption
Moving out after the sale
After recording the Trustee's Deed, if the former owner remains, the purchaser serves a 3-day notice to quit (NRS 40.255). If the occupant does not vacate, the purchaser can bring an unlawful detainer case in court (NRS 40.290 to 40.420), and the court may shorten the time the occupant has to respond. If the court rules for the purchaser, it enters judgment for restitution of the premises, which can generally be enforced immediately. Bona fide tenants receive 90-day notice under the federal Protecting Tenants at Foreclosure Act.
Who gets paid first
Nevada follows a race-notice recording statute (NRS 111.325). A purchaser who records first and pays value without notice of a prior unrecorded interest takes priority. Nevada property tax liens have priority over all other liens, including first mortgages, under NRS 361.450. Property taxes must be paid from foreclosure proceeds before mortgage claims.
How long the lender has to act
Under NRS 11.190(1)(b), actions on written contracts, obligations or liabilities must be brought within 6 years. This section governs court actions; it does not itself set a deadline for a non-judicial trustee's sale. After a foreclosure sale, including a trustee's sale, the lender must apply for a deficiency judgment within 6 months of the sale (NRS 40.455). If the debt is secured by more than one parcel or deed of trust, the 6 months run from the last sale, but the application can never be filed more than 2 years after the first sale. Under NRS 40.455(3), a bank or other financial institution cannot get a deficiency judgment if the home is a single-family dwelling the borrower owned at the time of the sale, the loan was used to buy it, the borrower continuously lived there as a principal residence, and the loan was never refinanced.
Other kinds of foreclosure
- Unpaid property taxes: When real property taxes become delinquent, the county tax receiver issues a certificate that lets the county treasurer hold the property in trust for 2 years (1 year for property found to be abandoned), unless it is redeemed sooner. If it is not redeemed, the treasurer receives a deed in trust and can then sell the property. Tax liens have priority over mortgage liens. Nevada has significant amounts of tax-delinquent property, particularly in rural counties.
Your home's value and other creditors
$605,000. Nevada's homestead exemption is $605,000 (NRS 115.010). To claim this exemption, the homeowner must sign and record a Declaration of Homestead. The homestead exemption protects equity above the mortgage balance from unsecured creditors and judgment liens — but does not protect against the first mortgage lender's foreclosure. Mortgage foreclosure proceeds regardless of the homestead declaration. The exemption is extremely valuable in bankruptcy proceedings.
How Nevada compares
Like Nevada, Arizona, California, Oregon, Idaho and Utah sell most foreclosed homes without a court.
Nevada's share of borrowers with a mortgage who are 90+ days behind is under half its 2010 peak
Share of Nevada borrowers with a mortgage who have one 90+ days past due, quarterly, Q1 2005 to Q1 2025
Nevada is tied for 3rd place for the share of mortgages 90+ days behind, of the 50 states and D.C.
Share of borrowers with a mortgage who have one 90+ days past due, by state, Q1 2025. Dashed line: the U.S.
| State | 90+ days behind, Q1 2025 | Distress rank (score) |
|---|---|---|
| Nevada | 1.6% | 1st (100) |
| Arizona | 1.1% | 12th (78) |
| California | 0.9% | 10th (82) |
| Oregon | 0.8% | 19th (64) |
| Idaho | 0.7% | 37th (28) |
| Utah | 0.6% | 42nd (18) |
The share counts people with a mortgage on their credit report, not loans or dollars. Ranks are of 51 (the 50 states and D.C.); 1st is the most distressed. Nevada's full distress profile and county scores.
Questions about foreclosure in Nevada
How long does foreclosure take in Nevada?
In Nevada, foreclosures that finished in the second quarter of 2026 took an average of 1,507 days from the start of the foreclosure process to completion, according to ATTOM. The lender or trustee sets the sale date, so the total depends on its schedule and any postponements. Before any of it starts, your mortgage company usually has to wait until you're more than four months behind. Each step and its deadline.
How many months behind before foreclosure starts in Nevada?
Usually more than four months of missed payments. A federal rule keeps your mortgage company from filing before then on most loans on the home you live in, with a few exceptions, such as a sale of the home without the lender's OK. Some state notices that are only mailed to you can come during that wait.
Is Nevada a judicial foreclosure state?
No. Nevada permits deed-of-trust trustee sales under NRS chapter 107 and judicial mortgage foreclosure. Covered residential borrowers may have mediation rights; eligibility, election deadlines and a program certificate require separate checks.
Can I stop foreclosure once it starts in Nevada?
Often there are still ways to try, though none is guaranteed. You can catch up on what you owe, where Nevada's catch-up rule allows it. You can apply for a loan modification or a pause on payments; send the complete application more than 37 days before any sale date, so the sale has to wait for an answer. You can file for bankruptcy, or sell, including a short sale if your lender approves.
What is the redemption period for a foreclosure in Nevada?
Nevada's rule: after a trustee sale, you cannot buy the home back. After a court foreclosure sale, you generally may redeem within one year from the sale.
Can bankruptcy stop a foreclosure in Nevada?
It usually pauses one. Filing creates an automatic stay that stops most collection, a foreclosure sale included, while it lasts. The stay has exceptions, and for someone who had a case dismissed in the past year it can last only 30 days or not start at all. A Chapter 13 plan can let you catch up on missed payments over three to five years.
Does Nevada have a foreclosure mediation program?
Yes. Nevada has the Nevada Foreclosure Mediation Program (FMP). Who can use it and how to start depends on the program's rules (the Nevada Foreclosure Mediation Program (FMP)'s page). A neutral person helps you and the lender talk about options.
Can the lender come after me for the leftover balance in Nevada?
In some cases. Nevada limits deficiency judgments. Nevada has strong anti-deficiency protections for residential mortgages. Under NRS 40.455-40.459, after a foreclosure sale, including a trustee's sale: (1) If a bank or other financial institution made the loan, the property is a single-family dwelling the borrower owned at the time of the sale, the loan was used to buy it, the borrower continuously lived there as a principal residence, and the loan was never refinanced, no deficiency is allowed. (2) For other loans, the lender must apply for a deficiency in court within 6 months of the sale; the court must hold a hearing on fair market value, and the judgment cannot exceed the lesser of the debt minus the fair market value or the debt minus the sale price. The one-action rule (NRS 40.430) allows only one court action to recover the debt, but a trustee's sale does not count as an action, so it does not bar a later deficiency claim.
What is the homestead exemption in Nevada?
As Nevada law sets it: $605,000. Nevada's homestead exemption is $605,000 (NRS 115.010). To claim this exemption, the homeowner must sign and record a Declaration of Homestead. The homestead exemption protects equity above the mortgage balance from unsecured creditors and judgment liens — but does not protect against the first mortgage lender's foreclosure. Mortgage foreclosure proceeds regardless of the homestead declaration. The exemption is extremely valuable in bankruptcy proceedings.
What if I have an FHA, VA, or USDA loan in Nevada?
Government-backed loans have their own rules on top of Nevada law. FHA requires a meeting or reasonable efforts to arrange one in covered defaults. Current rules allow approved remote methods; exceptions and timing requirements apply. VA and USDA set their own help options; the forbearance guide and loan modification guide explain each program's options.
How long do I have to move out after a foreclosure sale in Nevada?
After recording the Trustee's Deed, if the former owner remains, the purchaser serves a 3-day notice to quit (NRS 40.255). If the occupant does not vacate, the purchaser can bring an unlawful detainer case in court (NRS 40.290 to 40.420), and the court may shorten the time the occupant has to respond. If the court rules for the purchaser, it enters judgment for restitution of the premises, which can generally be enforced immediately. Bona fide tenants receive 90-day notice under the federal Protecting Tenants at Foreclosure Act.
Is the Homeowner Assistance Fund still available in Nevada?
Generally, no. HAF programs, including the Nevada Homeowner Assistance Fund, couldn't commit new money after September 30, 2026 (Treasury). If the program approved you before then, ask it about payments still being processed.
Can I do a short sale to avoid foreclosure in Nevada?
Possibly, with your lender's approval. In Nevada, a deficiency waiver (a release of the remaining balance) can be negotiated as part of a short sale approval. Short sales are widely used in Nevada, particularly in the Las Vegas and Reno markets. Under NRS 40.458, a bank or other financial institution cannot get a deficiency judgment after a short sale of a single-family home that the borrower bought with the loan and continuously lived in as a principal residence, if the short-sale agreement meets the statute's conditions, including a conspicuous statement, signed by the lender and the borrower, that waives the remaining debt. Nevada Housing Division provides short sale counseling resources.
Other Nevada laws that can affect homeowners
State laws can change. Each entry links to the cited source and shows when that source was fetched.
Lane interprets § 200.620 to require consent of all parties to telephone recording, despite the statute's one-party-plus-emergency wording.
“The interception ... is made with the prior consent of one of the parties”
State foreclosure-rescue and mortgage-help laws
Nevada regulates a foreclosure consultant who offers or performs broad covered services for compensation, including financial counseling, creditor contact, delaying foreclosure, document advice, and loan audits. Licensing, prescribed written contracts and notices, records/safeguards, and a no-payment-before-written-offer-and-acceptance rule apply; enumerated professional, regulated, government, and qualifying nonprofit exclusions exist.
“perform for compensation, or who, for compensation, performs any covered service”
Foreclosure laws in another state
The process and the deadlines change at every state line.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Protect yourself from scams
The FTC and CFPB describe these warning signs and the rules behind them:
- Upfront fees for promised relief are a warning sign. Under FTC mortgage-assistance rules, most companies that sell mortgage help cannot charge until a homeowner accepts a written offer from the mortgage company or lender. A separate FTC rule covers debt-relief companies that sell by phone and ties fees to a completed debt arrangement. It bars a fee until at least one debt has been settled or changed, the customer agrees to the arrangement, and the customer has made a payment under it. The FTC describes a narrow exception for lawyers who give help as part of the practice of law and are licensed in the state where the client or dwelling is. The lawyer follows that state's rules for attorneys, and advance fees are placed in a client trust account before services begin under state trust-account rules.
- HUD-approved foreclosure-prevention counseling is free. HUD’s national counselor line is 800-569-4287. The CFPB counselor finder lists agencies and their services. If an organization charges for help described as free HUD counseling, the CFPB finder can verify the agency and its listed services before any payment.
- A request to sign over a deed is a warning sign. The CFPB identifies title-transfer schemes among foreclosure-relief scams. Signing over title can mean losing ownership of the home; a lawyer can explain what a proposed document would do.
- Foreclosure protections depend on timing and the loan. Regulation X generally bars the first foreclosure notice or filing on a principal-residence loan until the borrower is more than 120 days behind, subject to exceptions. A complete assistance application can delay some foreclosure steps, but that depends on when it arrives; it does not necessarily stop every step. The CFPB warns about promises to “save” a home.
Free help in Nevada
Nevada has 7 HUD-approved housing counseling agencies
The 7 whose HUD listing includes foreclosure or mortgage delinquency counseling, one dot per office, as of Nov 4, 2026. The listing below names them all.
- A HUD-approved housing counselor works at a nonprofit agency the U.S. Department of Housing and Urban Development has approved. Foreclosure counseling from one is free, and a counselor can help you talk to your mortgage company. HUD lists 7 approved agencies in Nevada. HUD's line is 800-569-4287.
- Legal aid offices give free legal help to people with low incomes, including answering a foreclosure case. Each office serves set counties; find yours:
- Nevada Legal Services, Inc., 702-386-0404: all of Nevada.
- A lawyer referral: the State Bar of Nevada Lawyer Referral and Information Service can point you to a foreclosure lawyer: 702-382-0504.
- A complaint about your mortgage company can go to the Nevada Financial Institutions Division (FID), the Nevada Attorney General or the federal Consumer Financial Protection Bureau.
HUD-approved housing counselors in Nevada, by city (7)
- Credit.Org - Henderson Branch, Henderson · 800-431-8157 · Website HUD-approved housing counselor · Languages: English, Spanish
- Navicore Solutions- Henderson, Nv, Henderson · 866-472-4557 · Website HUD-approved housing counselor · Languages: English, Spanish
- Chicanos Por La Causa Inc., Las Vegas · 702-207-1614 · Website HUD-approved housing counselor · Languages: English, Spanish
All 7 agencies
- Community Services of Nevada (Csnv), Las Vegas · 702-307-1710 · Website HUD-approved housing counselor · Languages: English, Spanish
- Nsc (Naca Counseling Subsidiary) - Las Vegas, Nv, Las Vegas · 702-362-6199 · Website HUD-approved housing counselor · Languages: English, Spanish
- Neighborhood Housing Services of Southern Nevada, North Las Vegas · 702-649-0998 · Website HUD-approved housing counselor · Languages: English, Spanish
- Nevada Partners, Inc., North Las Vegas · 702-844-8000 · Website HUD-approved housing counselor
Legal aid offices in Nevada (1)
- Nevada Legal Services, Inc. · 702-386-0404 · Website Legal aid
Listings come from the HUD Housing Counselor API and the Legal Services Corporation grantee list, as of Nov 4, 2026. American Default Research does not endorse or rank any provider. Credit counselors and other kinds of free help are in our help directory.
Sources and method
A summary of foreclosure law and practice in Nevada, read from its laws and the federal servicing rules and checked Mar 10, 2026. It isn't legal advice: your mortgage sets specific terms, and courts and counties vary. For your situation, talk to a HUD-approved counselor, legal aid or a lawyer.
- 12 CFR 1024.41 (CFPB Regulation X); NRS 107.510; NRS 107.560: You fall behind on payments, at leg.state.nv.us
- NRS 40.255; NRS 40.290 to 40.420 · You may be asked to leave, at leg.state.nv.us
- ATTOM foreclosure activity report, at attomdata.com
- Regulation X, 12 C.F.R. § 1024.41, at consumerfinance.gov
- Regulation X, 12 C.F.R. § 1024.39, at consumerfinance.gov
- 11 U.S.C. § 362, the automatic stay, at law.cornell.edu
- Federal Reserve Bank of Philadelphia, Consumer Credit Explorer; data sourced from NY Fed Consumer Credit Panel / Equifax. at philadelphiafed.org
- U.S. Department of Housing and Urban Development · find a housing counselor, at hud.gov
- NRS 115.010, at leg.state.nv.us
We write with assistance from AI tools. Figures come from the data and sources named on this page.