For homeowners in Reno, Sparks, Sun Valley, Incline Village, and across Northern Nevada facing a Nevada non-judicial foreclosure under NRS Chapter 107.
Nevada's ordinary foreclosure process relies on recorded notices — a Notice of Default and a Notice of Trustee Sale — rather than a lawsuit. Understand your stage, your notice deadlines, and the HB 356 mediation election window that may be available to owner-occupied Nevada homeowners.
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Nevada's ordinary mortgage foreclosure is non-judicial. That means the path is driven by recorded notices — a Notice of Default (NOD) and later a Notice of Trustee Sale (NTS) — rather than by a foreclosure lawsuit and a summons to Answer.
Each stage has its own meaning and its own deadline. Understanding the stage you are in — and acting before the trustee's sale — matters, because Nevada provides no post-sale right of redemption for non-judicial foreclosures under NRS 107.080.
An NOD can be recorded after a minimum of 120 days' delinquency. Once recorded, Nevada homeowners may have a 90-day cure period, and eligible owner-occupied homeowners may have 30 days from the NOD to elect HB 356 mediation. The later Notice of Trustee Sale is issued at least 21 days before the sale.
Delinquency before the NOD
Per current Nevada guidance, an NOD is recorded after a minimum 120 days' delinquency. This is the delinquent period before the formal NOD is recorded.
90-day cure period after the NOD
Once the NOD is recorded under NRS 107.080, Nevada provides a 90-day cure period to bring the loan current.
30-day HB 356 mediation-election window
Eligible owner-occupied Nevada homeowners may elect HB 356 mediation within 30 days of the NOD under NRS 107.086.
Notice of Trustee Sale (at least 21 days before sale)
The NTS sets the auction date at least 21 days out, and it must be mailed, posted on the property, and published in a newspaper.
Note: These are separate stages — the 120-day delinquency period, the 90-day cure period, the 30-day mediation window, and the 21-day NTS period are each their own distinct step in the Nevada non-judicial process. Nevada's ordinary process does not involve a foreclosure summons to Answer.
Nevada foreclosures follow a non-judicial process under NRS Chapter 107, moving through recorded notices rather than a lawsuit. Knowing each stage helps Washoe County homeowners understand what comes next and what to review.
After missed payments, a servicer may send a breach letter before the formal NOD is recorded. Contact your servicer about loss mitigation early.
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.
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. However, homeowners may be able to file a civil action in Nevada District Court before the sale — and, where appropriate, seek a TRO or injunction — to raise defenses such as a defective notice, lack of standing, or lender authority issues.
Washoe County Courthouse
75 Court St
Reno,
NV 89501
(775) 328-3110
Mon–Fri, 8:00 AM–5:00 PM
Most trustee-sale foreclosures are nonjudicial, but court information may be relevant if you file a separate civil action or receive a court document.
Whether you live in the Reno-Sparks area, Sun Valley, Incline Village near Lake Tahoe, or elsewhere across Washoe County, understanding your options early can help you protect your home before a trustee's sale.
Based on the current Washoe County manifest, the primary focus is on Reno, with additional communities across Northern Nevada.
We serve communities across the Reno-Sparks area, the Stead-area neighborhoods of Reno, and the Wadsworth-area portions of Washoe County.
Reviewing documents and deadlines does not guarantee a specific outcome. Outcomes depend on the individual facts, lender conduct, and applicable law.
Having the right documents organized can make evaluating a Nevada non-judicial foreclosure and an HB 356 mediation request much smoother.
Common questions from Washoe County and Northern Nevada homeowners about the non-judicial foreclosure process.
Get a free case review for your Reno, Sparks, Sun Valley, Incline Village, or Northern Nevada property. Rush response within 24 hours.
Disclaimer: This page provides general educational information about Nevada non-judicial foreclosure based on currently saved Dream Legal sources. It is not legal advice, and it is not a deadline calculation. Nevada foreclosure timelines vary based on your loan, servicer, court activity, mediation scheduling, postponements, bankruptcy filings, and loss-mitigation review. The Nevada-specific sources currently saved do not establish Nevada deficiency, fair-market-value, one-action, or anti-deficiency rules, and none are stated here. Consult a qualified attorney for advice about your situation.