Nevada gives you a mediator, then three months before the sale notice.
A trustee sale with no lawsuit, but on a home you live in the lender must warn you first, you can petition for foreclosure mediation within 30 days, and at least three months must pass after the notice of default before a sale notice. You can catch up until five days before the sale. A shortfall claim is allowed, but only within six months and limited by the home’s fair market value.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Four dates decide a Nevada case. The 30 days after service of the notice of default, when you must petition for mediation. Three months after that notice is recorded, the earliest a notice of sale can come. Five days before the sale, when the right to catch up ends. And six months after the sale, when a shortfall claim expires.
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Make the call.
Call your mortgage servicer (the number is on your statement) before the next payment is due, or today if you are already behind. Servicers have programs for people who lose a job, get sick or hit a rough patch, but they only start when you ask. A foreclosure costs them money too.
“I’ve had a hardship and I want to keep my home. Please send me a loss mitigation application and tell me every option for my loan.” If your loan is FHA, VA or USDA, ask about that program’s options by name.
Your latest mortgage statement, recent pay stubs or unemployment letter, two months of bank statements, last year’s tax return, and a short hardship letter. Expect a lot of paperwork. Send all of it, because a complete application is what protects you.
Date, time, who you spoke to and what they said. Keep copies and proof of when you sent your papers. A complete application more than 37 days before a sale stops that sale while they decide.
Don’t want to call alone? A free HUD-approved counselor will help: 1-800-569-4287. And if the home is ever sold at auction, ask about surplus funds: money left over after the debt is paid can belong to you, but you usually have to claim it.
What Nevada gives you
Rights that exist because the property is in Nevada, whatever a servicer tells you on the phone.
Where to get real help, free
Regional legal aid programs take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programs state by state.
HUD-approved housing counselors are free in every state — 1-800-569-4287. Some states, courts and counties run foreclosure mediation or counseling programs; ask your servicer or a HUD-approved counselor whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Checked against the statutes cited beside each step. Every legal claim on this page is registered with its citation and was checked against official sources and then reviewed again by an independent checker. Dates marked as estimates are estimates. Appellate case law was not independently verified, and laws change, so have a Nevada foreclosure attorney confirm anything that matters before you act.
Questions people ask about Nevada foreclosure
Short answers, each one sourced to the statute cited on this page.
How long does foreclosure take in Nevada?
With no delays or disputes, a Nevada foreclosure runs roughly 282 days from the first missed payment to the trustee sale. The sale cannot be held until three months after the notice of default is recorded, and the notice of sale is posted and published for three weeks. NRS 107.080.
How late can I catch up in Nevada?
On an owner-occupied home the cure period runs until 5 days before the sale. NRS 107.0805.
Is there redemption after a Nevada trustee sale?
No. There is no right of redemption after a trustee sale. If a lender did not follow the law you may sue within 30 days after the trustee deed is recorded, or within 90 days after the sale if you never received proper notice. NRS 107.080.
Can a Nevada lender come after me for the shortfall?
Only within limits. A lender must apply within six months of the sale, the judgment is capped at the lesser of the shortfall or the difference from fair market value, and it is barred for a financial institution if you used the loan to buy a single-family home, lived in it continuously as your primary residence, and never refinanced. NRS 40.455 to 40.459.
How much of my HOA lien comes before my Nevada mortgage?
Up to nine months of assessments plus capped collection costs can have priority over a first mortgage, and the owner has 60 days after an association sale to redeem. NRS 116.3116 and 116.31166.
Last verified: October 18, 2026. Every deadline and citation on this page was checked against Nevada law and the federal rules it cites. Laws change during the year, so if something here looks out of date or wrong, tell us and we will check it against the law.