Keep the home
Reinstatement, a repayment plan, forbearance, or a loan modification may be possible through your servicer.
Nevada homeowner guidance & property review
For Nevada homeowners
Behind on your mortgage? You have options!
A missed payment or foreclosure notice does not mean you have to decide alone. Understand Nevada's process, then choose a next step that fits your home and timeline.
No pressure. No promise of a particular outcome. Not legal advice.
If a sale date is listed, act today.
Use the dates and instructions in your own notice. Contact your servicer, a HUD-approved counselor, or a Nevada attorney promptly.
Start here
Three steps you can take now
01
Read every page
Find the notice type, recording date, response instructions, and any scheduled sale date.
02
Call your servicer
Ask for its loss mitigation department and a complete list of available options and required documents.
03
Get independent help
A HUD-approved housing counselor can help at no charge. A Nevada attorney can advise you about your rights.
Possible paths
The right option depends on time, income, equity, and your goals.
Sell before the sale
If there is enough time and equity, a traditional sale may pay the loan and preserve remaining proceeds.
Ask about an approved exit
A short sale or deed in lieu requires lender approval and may have legal, credit, and tax consequences.
Nevada law sets the process.
NRS Chapter 107 governs most trustee's sales under deeds of trust. Owner-occupied homes may also qualify for Nevada's Foreclosure Mediation Program under NRS 107.086.
Read the Nevada timelineWatch for foreclosure rescue scams.
Do not sign over your deed or pay an upfront fee for a promised loan modification. Nevada law regulates foreclosure consultants and restricts advance compensation for covered services.
Nevada Attorney General resourcesNot sure which path fits?
Tell us what notice you received, your known sale date, and the property address. GoWarbo can review the home situation and discuss whether selling may be one of your options.
Talk to a person
Aaron "Warbo" Warburton, RE/MAX Professionals · NRED #S.172958
Call, text, email, or use the chat button in the corner of any page. Serving Reno, Sparks & Northern Nevada. No cost to ask a question.