State Foreclosure Law

Nevada Foreclosure Laws

Foreclosure laws, timelines, homeowner protections, and free legal resources for Nevada.

Process
Non-Judicial
Out of court, under a power of sale §
Average Foreclosure Length
1,507 days
ATTOM average, Q2 2026: from the start of the foreclosure process to completion, for properties that completed foreclosure in Q2 2026. §
Homestead Exemption
$605,000
Must file to claim · the rule §
Deficiency Judgment
Limited
Allowed (with limitations) §
21 source pages cited · Last checked Mar 10, 2026
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 — readers should confirm current statute text and consult a Nevada-licensed attorney for situation-specific advice.

Facing foreclosure? The timeline, your rights and your options are laid out in the Nevada foreclosure guide →

On this page

Governing Statutes

Citation Title Covers
NRS 107.080 et seq. Non-Judicial Foreclosure 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 Foreclosure Mediation Program (FMP) Nevada's foreclosure mediation program — borrower petition, mediator duties, document production, sanctions
NRS 40.455 Anti-Deficiency Statute 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 Homestead Exemption $605,000 homestead exemption

Nevada Foreclosure Process and Your Rights

Nevada uses non-judicial foreclosure. 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. §

  • Paying to stop the foreclosure: For owner-occupied housing, Nevada allows borrowers to reinstate the loan (cure the default) until 5 days before the trustee's sale by paying all arrears, late fees, trustee fees, and attorney costs — but NOT the full accelerated balance. For other deeds of trust, the statutory cure period is 35 days after the notice of default is recorded and mailed. §
  • After the sale: No post-sale redemption after a trustee's sale. After a judicial foreclosure sale, the borrower can generally redeem within 1 year. §
  • Homestead exemption: $605,000 §
  • Mediation: Nevada has a statewide foreclosure mediation program: the Nevada Foreclosure Mediation Program (FMP). §

Step-by-step timeline, your rights at each stage, mediation, options to keep or leave the home, and what happens after the sale: Read the full Nevada foreclosure guide →

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Regulatory Oversight & Complaint Filing

Nevada homeowners who believe a mortgage servicer or lender has violated state or federal law may file complaints with the following regulatory agencies.

Financial Institutions Regulator
Nevada Financial Institutions Division (FID)
File a complaint →
Attorney General — Consumer Protection
Nevada Office of the Attorney General — Bureau of Consumer Protection
Consumer protection information →
Housing Finance Agency
Nevada Housing Division
Phone: 775-687-2040

Special Foreclosure Types in Nevada

Beyond the standard non-judicial foreclosure process, Nevada law addresses several specialized foreclosure categories.

HOA & Condo Association Foreclosure
Under NRS Chapter 116 (Common-Interest Communities), HOAs in Nevada may foreclose on assessment liens non-judicially — and critically, part of the HOA lien is SENIOR to first mortgage liens: up to 9 months of unpaid assessments, plus certain maintenance charges and capped collection costs ('super-lien'). §
If the first mortgage holder does not pay that amount, the HOA's sale may extinguish the first mortgage.
Tax Lien Foreclosure
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.
Reverse Mortgage Foreclosure
HECM reverse mortgages follow standard Nevada deed of trust foreclosure procedures (NRS Chapter 107). §
Nevada's Foreclosure Mediation Program applies to deeds of trust on owner-occupied housing, which can include reverse mortgages.

Lien Priority in Nevada

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.

Statute of Limitations in Nevada

Mortgage Foreclosure
6 years §
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.
Written Contracts
6 years §
Deficiency Judgment
6 months §
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.

Probate & Inheritance in Nevada

When a mortgaged property owner dies, foreclosure proceedings interact with the probate process. Nevada law establishes specific rules for estate notification, heir protections, and the rights of executors to cure defaults.

Pause When the Borrower Dies
State law doesn't pause a foreclosure when the borrower dies, so it can go on during probate.
Notification to Estate
The lender must notify the estate or personal representative before proceeding.
If a borrower dies, the trustee must identify and serve the personal representative of the estate and any known heirs with the Notice of Default and Notice of Sale.
Heir Protections
Heirs who inherit and occupy the property as their primary residence may qualify as successors in interest under CFPB Regulation X (12 CFR 1024.31).

Consumer Protection & Compliance in Nevada

State consumer protection statutes, foreclosure rescue fraud laws, and professional compliance rules that apply to mortgage servicing and foreclosure-related services in Nevada.

Mortgage Relief Scam Protections
State law specifically addresses mortgage relief scams.
Attorney Advertising Rules
Nevada Rules of Professional Conduct (RPC 7.1-7.3) govern attorney advertising. §
Lead Generation Restrictions
No Nevada-specific lead generation statute for foreclosure defense identified beyond general business licensing.

Legal Aid & Pro Bono Resources in Nevada

  • ⚖
    Nevada Legal Services
    Area served: Statewide, low-income households.
    nlslaw.net →
  • ⚖
    Legal Aid Center of Southern Nevada
    Area served: Southern Nevada (Clark County).
    lacsn.org →
  • ⚖
    Washoe Legal Services
    Area served: Northern Nevada (Washoe County).
    washoelegalservices.org →
  • ⚖
    State Bar of Nevada Lawyer Referral Service
    nvbar.org →
  • 🏠
    HUD-Approved Housing Counselors
    Free, federally funded housing counseling agencies in Nevada. Services include loan modification applications, mediation preparation, and loss mitigation guidance.
    Find a counselor in Nevada →
  • 📋
    State Bar of Nevada Lawyer Referral and Information Service
    State bar lawyer referral service.
    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.

8 HUD-approved housing counselors Free foreclosure prevention counseling 1 Legal aid offices Free legal representation for qualifying homeowners 40 Credit counseling agencies DOJ-approved pre-bankruptcy credit counseling 45 Debtor education providers Required post-filing debtor education courses

Browse all 94 providers in Nevada →

National Foreclosure Guides

These guides explain foreclosure at the federal level — homeowner rights, available options, and recommended steps at each stage. They apply in every state, including Nevada.

Facing Foreclosure?
Overview of the process, available options, and free help resources
How to Stop Foreclosure
Immediate options — 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?
Options for borrowers who have missed or expect to miss a payment
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
National foreclosure filings. Nevada mainly uses non-judicial foreclosure (trustee's sales outside court).
FHA mortgage delinquency
FHA delinquency rate
Share of FHA loans at least one payment behind, from the Mortgage Bankers Association's quarterly survey.
Foreclosure volume
Foreclosure starts & completions
Monthly foreclosure starts and completions from ATTOM Data Solutions.
Newly late mortgages
Current to 30 days late
Share of mortgages moving from current to 30 days past due, from Cotality (formerly CoreLogic).

See the full picture: Foreclosure Statistics 2026 | Mortgage Delinquency Statistics 2026

Facing foreclosure in Nevada? Tell me what's going on.

Answer a few quick questions and I'll connect you with someone who can help where you live. It's free.

Step 1 of 4

Tell me about your situation

Select all that apply.

It's free. I don't sell your information, and no one pays me for your request. I share your details only with the one attorney, agent or provider I connect you with. Privacy · Prefer to call? (888) 602-4161

Ask a question about foreclosure law in Nevada

General information, not legal advice.

🛟
Free help also exists in Nevada: 1-800-569-4287, or a HUD-approved housing counselor at no cost.