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Free foreclosure help in Nebraska

Free foreclosure help in Nebraska comes mainly from Legal Aid of Nebraska for legal advice and court papers, and from HUD-approved housing counselors for working with your servicer. The state's Homeowner Assistance Fund has closed, so do not pay anyone who says they can get you state relief money. Act fast: the cure window after a notice of default is only 1 month, and the window to request a stay after a decree is only 20 days.

Free HUD counselor: (800) 569-4287

Reviewed against Nebraska law and official sources on October 12, 2026. General information, not legal advice.

Ask for help in Nebraska

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Who to call first, by situation

  • You are current but expect to miss a payment

    Before the first missed payment

    Call your servicer and a HUD-approved counselor. Legal Aid of Nebraska: Housing Resources says foreclosure counseling is free and lists what to gather. If property taxes are part of the problem and you are 65 or older, disabled or a qualifying veteran, see Nebraska Department of Revenue: Homestead Exemption; you apply with your county assessor by June 30.

    Neb. Rev. Stat. § 77-3512

  • You are behind but have no notice yet

    This week

    Apply to your servicer for a workout with a counselor's help. If you have questions about your rights, call Legal Aid of Nebraska: Call for Help at 1-877-250-2016, or 1-800-527-7249 if you are 60 or older.

  • You received a notice of default

    Within days, because the cure window is 1 month

    Call the trustee or servicer for the exact cure amount in writing and call Legal Aid of Nebraska: Call for Help the same day. A lawyer can check whether the notice describes the breach as the law requires.

    Neb. Rev. Stat. §§ 76-1006, 76-1012

  • You were served with a foreclosure lawsuit

    Within 30 days of service

    Apply to Legal Aid of Nebraska and tell them your court deadline. If you do not qualify, Nebraska State Bar Association: Nebraska Find-a-Lawyer lists lawyers who charge $50 or less for the first 30 minutes, and Nebraska Judicial Branch: Legal Resources and Information lists courthouse self-help centers and NE Free Legal Answers.

    Neb. Ct. R. Pldg. § 6-1112

  • A sale date is set

    The day you learn of it

    Call Legal Aid of Nebraska or a licensed attorney, then your servicer. In a court case, ask right away whether the 20-day stay request is still possible, and confirm the sale date with the sheriff's office or the trustee.

    Neb. Rev. Stat. § 25-1506

  • Your servicer or lender is not following the rules

    As soon as it happens

    Send a written complaint to Nebraska Department of Banking and Finance: Complaints if your company is a state bank, state credit union or non-bank mortgage lender; its page lists federal regulators for others. The department says it will not step into a court case that is under way, so keep meeting your court deadlines.

  • A company or investor contacted you about saving your home

    Before you sign or pay anything

    Report it through Nebraska Attorney General: File a Consumer Complaint. Under Nebraska law a foreclosure consultant cannot collect any fee until all promised work is done and you can cancel its contract at any time. A business buying your home in foreclosure must let you cancel until midnight of the third business day after you sign. Legal Aid of Nebraska can review papers before you sign.

    Neb. Rev. Stat. §§ 76-2714, 76-2716, 76-2721

Official and nonprofit help in Nebraska

None of these charge homeowners for foreclosure help.

Nebraska Homeowner Assistance Fund (NHAF)

Closed. The Nebraska Investment Finance Authority (NIFA) announced on July 1, 2024 that the fund had allocated all of its money after helping 3,093 homeowners. The U.S. Treasury also says the federal Homeowner Assistance Fund period ended on September 30, 2026, so no state can pay new help from it. No state-funded mortgage payment program replacing it was found on NIFA's site. If you are 65 or older, or qualify as a disabled homeowner or certain veteran, Nebraska's homestead exemption can lower your property taxes: apply to your county assessor after February 1 and by June 30 each year. It does not pay a mortgage.

Check the program’s current status

Common questions in Nebraska

How do I get a free foreclosure lawyer in Nebraska?

Apply to Legal Aid of Nebraska by calling the AccessLine at 1-877-250-2016 or applying online; people 60 and over in any county can call the ElderAccessLine at 1-800-527-7249. It serves people with limited income and assets, so not everyone qualifies. If you do not, the Nebraska State Bar Association's Find-a-Lawyer site lists lawyers who charge $50 or less for a first 30-minute consultation.

Is the Nebraska Homeowner Assistance Fund still open?

No. NIFA announced on July 1, 2024 that the fund had allocated all of its money after helping 3,093 homeowners. The U.S. Treasury also says the federal program period ended on September 30, 2026, so no new help can be paid from it.

Can the Nebraska Department of Banking and Finance stop my foreclosure?

No. Its complaints page says it cannot act as a court, cannot give legal advice, and will likely hold a complaint while court proceedings are going on. It can investigate the companies it regulates and take administrative action for violations. For your case itself, talk to Legal Aid of Nebraska or a licensed attorney.

Step by step

More on foreclosure in Nebraska

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the Nebraska overview

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Sources for this page

  1. Neb. Rev. Stat. § 25-2138: Sale of premises; decree
  2. Neb. Rev. Stat. § 25-2145: Sheriff's deed; effect
  3. Neb. Rev. Stat. § 25-21,223: Forcible entry and detainer; summons and trial date
  4. Neb. Rev. Stat. § 25-202: Limitation for foreclosure of mortgages and trust deeds as mortgages
  5. Neb. Rev. Stat. § 25-205: Actions on written contracts
  6. Neb. Rev. Stat. § 76-1005: Power of sale conferred on trustee
  7. Neb. Rev. Stat. § 76-1006: Notice of default
  8. Neb. Rev. Stat. § 76-1007: Notice of sale; time and place of sale
  9. Neb. Rev. Stat. § 76-1008: Mailing of notices of default and sale
  10. Neb. Rev. Stat. § 76-1009: Public auction; postponement
  11. Neb. Rev. Stat. § 76-1010: Trustee's deed; no right of redemption
  12. Neb. Rev. Stat. § 76-1011: Proceeds of sale; disposition
  13. Neb. Rev. Stat. § 76-1011.01: Disputes over sale proceeds
  14. Neb. Rev. Stat. § 76-1012: Default; reinstatement
  15. Neb. Rev. Stat. § 76-1013: Deficiency action after trustee's sale
  16. Neb. Rev. Stat. § 76-1015: Trustee's sale; limitation of action
  17. Neb. Rev. Stat. § 25-1506: Stay of order of sale of mortgaged premises
  18. Neb. Rev. Stat. § 25-1529: Sale of land; notice and publication
  19. Neb. Rev. Stat. § 25-1530: Redemption before confirmation
  20. Neb. Rev. Stat. § 25-1531: Confirmation of sale
  21. Neb. Rev. Stat. § 25-2137: Complaint for foreclosure; where filed
  22. Neb. Rev. Stat. § 25-2140: Decree; effect on right to recover the debt
  23. Neb. Rev. Stat. § 25-2144: Sale by sheriff; postponement
  24. Neb. Rev. Stat. § 25-2146: Sale proceeds; surplus
  25. Neb. Rev. Stat. § 25-2147: Surplus; disposition
  26. Neb. Rev. Stat. § 25-2148: Payment of sums due before decree
  27. Neb. Rev. Stat. § 25-2149: Payment of sums due after decree; stay
  28. Neb. Rev. Stat. § 25-21,220: Forcible entry and detainer; against whom
  29. Neb. Rev. Stat. § 25-21,221: Notice to leave premises
  30. Neb. Rev. Stat. § 76-2708: Foreclosure consultant, defined
  31. Neb. Rev. Stat. § 76-2713: Foreclosure consulting contract; form and notice
  32. Neb. Rev. Stat. § 76-2714: Right to cancel foreclosure consulting contract
  33. Neb. Rev. Stat. § 76-2716: Foreclosure consultant; prohibited acts
  34. Neb. Rev. Stat. § 76-2721: Right to cancel equity purchase contract
  35. Neb. Rev. Stat. § 76-2723: Option to repurchase; conditions
  36. Neb. Rev. Stat. § 76-2728: Foreclosure Protection Act; penalty
  37. Neb. Rev. Stat. § 2-4807: Farm mediation; creditor notice
  38. Neb. Rev. Stat. § 2-4808: Farm mediation; request; participation voluntary
  39. Neb. Rev. Stat. § 77-3505: Homestead exemption; qualified claimant
  40. Neb. Rev. Stat. § 77-3512: Homestead exemption; when to apply
  41. Neb. Ct. R. Pldg. § 6-1112: Defenses and objections; time to answer (effective January 1, 2025)
  42. NIFA: Nebraska Homeowner Assistance Fund closed, helped over 3,000 Nebraskans (July 1, 2024)
  43. U.S. Treasury: Homeowner Assistance Fund
  44. Legal Aid of Nebraska: Housing
  45. Legal Aid of Nebraska: Housing Resources
  46. Legal Aid of Nebraska: Call for Help
  47. Nebraska Attorney General: File a Consumer Complaint
  48. Nebraska Department of Banking and Finance: Complaints
  49. Nebraska Judicial Branch: Legal Resources and Information
  50. Nebraska State Bar Association: Nebraska Find-a-Lawyer
  51. Nebraska Department of Revenue: Nebraska Homestead Exemption