Nevada Foreclosure Authority

The Homeowner Bill of Rights & Mediation Deadlines (Updated Feb 2026)

The 120-Day Nevada Legal Gauntlet

Process Stage	Timing	Legal Requirement
Notice of Default (NOD)	Day 1	Trustee records and mails the formal notice to the borrower.
Mediation Election	Day 30	Last day to file a Petition for Mediation to stall the sale.
Trustee Waiting Period	Days 1-90	The "Three Month Rule"—Lender must wait before issuing a Sale Notice.
Notice of Trustee Sale	Day 90+	Records the auction date; must be at least 21 days out.
Reinstatement Right	Day 106	Right to cure ends 5 days before the scheduled sale.

*Per NRS 107.080 and the Nevada Homeowner Bill of Rights. Owner-occupied properties have specific mediation triggers.

The 30-Day Mediation Trap

In Nevada, if you don't petition for Foreclosure Mediation within 30 days of your Notice of Default, you lose your strongest legal leverage. Our verified providers help you file the correct court documents to stop the auction and force your lender to the table.

Nevada Frequently Asked Questions

What is "Dual-Tracking" in Nevada?

Under the **Nevada Homeowner Bill of Rights**, lenders are strictly prohibited from "dual-tracking"—which means they cannot proceed with a foreclosure sale while your loan modification application is pending. If they do, the sale can be declared void in court.

Does Nevada have a Redemption Period?

For non-judicial foreclosures (the most common type): **No**. Once the trustee sale is held, the title transfers immediately. You have no right to buy the home back. This is why using the **Foreclosure Mediation Program** during the 90-day waiting period is so critical.

What is a "Danger Notice"?

Per NRS 107.087, Nevada trustees must provide a specific "Danger Notice" to the borrower at least 60 days before the sale date. This notice must be personally served or posted on the property, and it must include a copy of the original promissory note.