Nevada uses non-judicial foreclosure under NRS Chapter 107. To stop the foreclosure, file a civil lawsuit in NV District Court. HB 356 provides a mediation program for owner-occupied homes.
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Nevada uses non-judicial foreclosure with the NOD/NTS process. Key protections: the HB 356 mediation program for owner-occupied homes and NRS 107.086 requirements forcing the lender to produce the original note.
Because Nevada's foreclosure is non-judicial, there is no summons to answer. Instead, your leverage comes from acting during the 90-day NOD window and requesting HB 356 mediation — which forces the lender to sit down and participate. When mediation fails or isn't available, a civil lawsuit in District Court can stop the sale and raise defenses.
| Type | Non-Judicial (NRS Ch. 107) |
| NOD Waiting | 90 days before NTS can be recorded |
| Mediation | HB 356 — request within 30 days of NOD |
| Court | NV District Court |
| Filing Fee | $300-$500 |
Review the NOD & Loan Documents
Confirm the 90-day clock, verify the note and mortgage, and check whether the foreclosing party holds the original promissory note under NRS 107.086.
Request HB 356 Mediation
Eligible for owner-occupied primary residences. Request mediation within 30 days of receiving NOD. The lender must participate and bring the original note.
File Lawsuit in District Court
File in the District Court of the county of the property. Key claims: NRS 107 violation, wrongful foreclosure, lack of standing. Filing fee: $300-$500.
Seek a Resolution
Use mediation and the litigation process to negotiate a modification, reinstatement, or other outcome before the trustee's sale.
Under NRS 107.086 the lender must produce the original note. Failure to do so can stop the foreclosure.
Failure to follow the 90-day NOD process or HB 356 mediation requirements can be challenged in court.
RESPA/Reg X dual tracking and error-resolution failures can be powerful counterclaims and bargaining tools.
Challenge miscalculated arrears, misapplied payments, and improper fees that inflate the claimed default.
Nevada's HB 356 mediation can force the lender to the table. Don't miss the 30-day request window for this powerful protection.
Nevada's HB 356 program requires the lender to participate and bring the original note, giving homeowners real leverage to negotiate.