Facing a Notice of Default or trustee sale in Virginia City or elsewhere in Storey County? Nevada's ordinary foreclosure process is non-judicial under NRS Chapter 107, moving through recorded notices rather than a lawsuit. We prepare the paperwork tied to these steps, with HB 356 mediation and loan modification support, so you can focus on your options.
Notice of Default
Response paperwork
HB 356 Mediation
Election deadline review
Trustee Sale
Notice & timing review
Rush response within 24 hours
Act Early
In Nevada's non-judicial process, the timeline runs from a Notice of Default through the trustee sale. Understanding these stages — and the HB 356 mediation window — can help you stay organized.
Recorded at the county recorder's office under NRS 107.080 after a minimum 120 days' delinquency. The NOD starts a 90-day cure period.
Eligible owner-occupied Nevada homeowners can elect HB 356 mediation within 30 days of the NOD under NRS 107.086.
Preparing paperwork earlier in the process gives you more room to review HB 356 mediation, loss mitigation, or loan modification options. Acting early can make it easier to stay organized.
Nevada Process
Nevada foreclosures follow a non-judicial process under NRS Chapter 107, moving through recorded notices rather than a lawsuit. Here is a general outline of the stages.
After missed payments, a servicer may send a breach letter before the formal NOD. Contact your servicer about loss mitigation early.
Recorded under NRS 107.080 after a minimum 120 days' delinquency, starting a 90-day cure period.
Eligible owner-occupied Nevada homeowners can elect HB 356 mediation within 30 days of the NOD under NRS 107.086.
In mediation, the lender must produce the original note, deed of trust, and proof of authority to foreclose, and participate in good faith.
The NTS sets the auction date at least 21 days out. It must be mailed, posted on the property, and published in a newspaper.
The property is sold to the highest bidder. Nevada provides no post-sale right of redemption for non-judicial foreclosures under NRS 107.080.
Because Nevada's ordinary process is non-judicial, it does not begin as a foreclosure lawsuit. Homeowners may be able to file a separate civil action in Nevada District Court and, where appropriate, seek a TRO or injunction. We are a document preparation service, not a law firm.
Local Resources
These county-level resources can support you while you work through the Nevada non-judicial process. We are a document preparation service, not a law firm.
Note: These resources are provided for general reference. Court addresses are county facilities and are not the venue for a trustee sale. Your situation may benefit from a licensed attorney or housing counselor.
Paperwork Preparation
Organizing your paperwork ahead of time helps us respond to your questions and prepare documents more efficiently. Bring or send copies of anything you have.
If you are considering HB 356 mediation, gather the original note, deed of trust, and any proof of authority the lender may be required to produce, along with your notices and payment records.
Common Questions
Disclaimer: This page is provided for general informational purposes and does not constitute legal advice. We are a document preparation service and are not a law firm. Laws can change and every situation is different. For answers about your specific case, consult a licensed Nevada attorney or a qualified housing counselor. Foreclosure timelines and statutory rules are summarized only and are not a substitute for professional guidance.
Reach out today and we'll help you organize your foreclosure-related documents. Our team is here to walk you through your options.