Skip to main content
How to Avoid
Foreclosure
Get free help

Nevada · Get help now

Free foreclosure help in Nevada

Free foreclosure help exists in Nevada, and who to call first depends on where you are in the process. The state's Homeowner Assistance Fund is closed, so most help today is mediation, counseling, legal aid and complaint handling. Every organization below is a court, a government office or a nonprofit. None of them should charge you an upfront fee, apart from court filing and mediation fees.

Free HUD counselor: (800) 569-4287

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

Ask for help in Nevada

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 not behind yet but expect to be

    As soon as you see trouble coming

    Call your servicer and ask what hardship options it offers, and talk to a HUD-approved housing counselor for free. If a counselor certifies a documented hardship and that you cannot pay within 90 days, Home Means Nevada, Inc.: Foreclosure Mediation Program explains how you can ask for mediation before any Notice of Default.

    NRS 107.0865

  • You are behind but have no Notice of Default

    Before the servicer's 30-day waiting periods end

    Read the servicer's pre-foreclosure letter and ask for an application. A HUD-approved counselor can help you fill it out. Nevada Legal Services: Foreclosure Prevention and Legal Aid Center of Southern Nevada: Foreclosure give free legal help to eligible homeowners.

    NRS 107.500, 107.510

  • You received a Notice of Default

    Within days; the 30-day mediation deadline is running

    Use the Civil Law Self-Help Center: Foreclosure Mediation guide and forms to file your petition, or call Legal Aid Center of Southern Nevada: Foreclosure at 702-386-1070. In Clark County, the Eighth Judicial District Court: Foreclosure Mediation office at (702) 671-4493 runs the mediation cases.

    NRS 107.086

  • A sale date is set

    Today; the cure cutoff is 5 days before the sale

    Call the trustee contact on the Notice of Sale to confirm the date and get the reinstatement amount, and call your servicer about any pending application. For legal advice on stopping the sale, contact legal aid or a licensed attorney through State Bar of Nevada: Lawyer Referral Service.

    NRS 107.0805(1)(a); NRS 107.087

  • Your servicer is not following the rules

    Before the trustee's deed is recorded if possible

    File a complaint with Nevada Division of Mortgage Lending: Submit a Complaint, which oversees mortgage servicers and loan modification providers it licenses. Only a court can stop a sale, so also talk to legal aid or a licensed attorney about the Homeowner Bill of Rights.

    NRS 107.560

  • Your HOA is threatening foreclosure

    Before the 90 days after the HOA's notice of default run out

    Ask the HOA for its repayment plan and a hearing, which it must offer before collecting. Nevada Real Estate Division: Common-Interest Communities and Ombudsman is the state office for HOA owners. Legal Aid Center of Southern Nevada: Foreclosure also helps eligible homeowners with HOA matters.

    NRS 116.31162

  • A foreclosure rescue company contacted you

    Before you sign or pay anything

    In Nevada, anyone who charges for foreclosure help must be licensed and cannot collect a fee until you sign an agreement with your lender. Report scams to Nevada Attorney General: Mortgage Fraud Unit or to the Division of Mortgage Lending. A HUD-approved housing counselor does the same work for free.

    NRS 645F.400, 645F.405

Official and nonprofit help in Nevada

None of these charge homeowners for foreclosure help.

Need a private foreclosure lawyer?

License-checked lawyers who represent homeowners, by area:

Nevada Homeowner Assistance Fund (Nevada Affordable Housing Assistance Corporation)

Nevada's Homeowner Assistance Fund program, run by the Nevada Affordable Housing Assistance Corporation (NAHAC), is closed. Its website says the Homeowner Assistance Fund is now closed and no additional applications can be taken, and it points homeowners to HUD-approved housing counseling agencies. The U.S. Treasury says the Homeowner Assistance Fund period ended on September 30, 2026. We did not find another open state program that pays Nevada mortgage arrears. The free Foreclosure Mediation Program is still in state law.

Check the program’s current status

Common questions in Nevada

Where can I find a free foreclosure lawyer in Nevada?

In Southern Nevada, Legal Aid Center of Southern Nevada helps eligible homeowners with foreclosure, mediation and HOA problems; call 702-386-1070 or come to walk-in intake. Nevada Legal Services is a statewide nonprofit for low-income Nevadans. If you do not qualify, the State Bar of Nevada Lawyer Referral Service can connect you with a lawyer.

Is the Nevada Homeowner Assistance Fund still taking applications?

No. The Nevada Affordable Housing Assistance Corporation, which ran it, says the Homeowner Assistance Fund is now closed and no additional applications can be taken. The U.S. Treasury says the federal fund ended on September 30, 2026.

Who takes complaints about mortgage servicers in Nevada?

The Nevada Division of Mortgage Lending takes complaints about mortgage companies, mortgage servicers and loan modification providers it licenses, and about unlicensed ones. You can file online, by email, by mail or by fax. Scams can also be reported to the Attorney General's Mortgage Fraud Unit.

Does a Nevada foreclosure helper have to be licensed?

Yes. Under NRS 645F.390, a foreclosure consultant, loan modification consultant or anyone doing covered services for pay must be licensed under rules of the Commissioner of Mortgage Lending. They also cannot take a power of attorney or any interest in your home (NRS 645F.400).

Step by step

More on foreclosure in Nevada

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 Nevada overview

Free, official, nationwide

Free help anywhere in the country

Sources for this page

  1. Petition for Foreclosure Mediation Assistance, Eighth Judicial District Court form by the Civil Law Self-Help Center (posted by Home Means Nevada, 2025)
  2. NRS Chapter 107, Deeds of Trust (Rev. 4/15/2026, through the 2025 session), Nevada Legislature
  3. NRS Chapter 40, Actions and Proceedings in Particular Cases Concerning Property (NRS 40.255, 40.430, 40.437, 40.4395, 40.451 to 40.462, 40.4639)
  4. NRS Chapter 21, Enforcement of Judgments (NRS 21.190 to 21.210, redemption after execution sale)
  5. NRS Chapter 116, Common-Interest Ownership (NRS 116.3116 to 116.31166)
  6. NRS Chapter 645F, Mortgage Lending and Related Professions (NRS 645F.300 to 645F.450, foreclosure consultants)
  7. Home Means Nevada, Inc.: Foreclosure Mediation Program
  8. Home Means Nevada, Inc.: home page
  9. Eighth Judicial District Court: Foreclosure Mediation
  10. Nevada Foreclosure Mediation Rules (posted by the Eighth Judicial District Court)
  11. Civil Law Self-Help Center: Intro to Foreclosures
  12. Civil Law Self-Help Center: Petition for Foreclosure Mediation Assistance
  13. Civil Law Self-Help Center: Evicting a Former Owner After Foreclosure
  14. Legal Aid Center of Southern Nevada: Foreclosure
  15. Nevada Legal Services: Foreclosure Prevention
  16. Nevada Attorney General: Mortgage Fraud Unit
  17. Nevada Attorney General: Examples of Mortgage/Foreclosure Fraud and Loan Modification Scams
  18. Nevada Division of Mortgage Lending: Submit a Complaint
  19. Nevada Real Estate Division: Common-Interest Communities
  20. State Bar of Nevada: Lawyer Referral Service
  21. Nevada Affordable Housing Assistance Corporation (Nevada Homeowner Assistance Fund)
  22. U.S. Department of the Treasury: Homeowner Assistance Fund
  23. Nevada Housing Division
  24. A.B. 513 (2023), as introduced: Eliminates the program of foreclosure mediation