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Foreclosure mediation in Nevada

Nevada's Foreclosure Mediation Program is written into state law and runs through the district courts, with Home Means Nevada, Inc. handling notices and certificates. If your owner-occupied home gets a Notice of Default, you have 30 days to petition the court for mediation, and the trustee cannot sell while mediation is pending. The program is still in the statute as amended in 2023 with no end date, and the courts' self-help center posts 2026 forms.

Ask for help in Nevada Free HUD counselor: (800) 569-4287

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

How foreclosure mediation works in Nevada, step by step

  1. Who qualifies

    Owner-occupied home with a Notice of Default

    The program covers deeds of trust on owner-occupied housing. It does not apply if you have surrendered the home or while a bankruptcy case is open, and Home Means Nevada says the home must be your primary residence, not a rental or second home.

    NRS 107.086(1), (13)

  2. File a petition and pay the fees

    Within 30 days after the Notice of Default is served

    File a Petition for Foreclosure Mediation Assistance with the district court, pay the $25 filing fee and your share of the mediation fee, and serve the petition by certified mail on the lender and Home Means Nevada. The Civil Law Self-Help Center says the 30 days starts when the notice is mailed, the filing fee can be waived, and the $250 mediation share cannot.

    NRS 107.086(3), (12)

  3. Before any default: counselor-certified mediation

    Before you miss a payment, if hardship is documented

    You can start mediation even before a Notice of Default if a HUD-approved housing counseling agency certifies that you have a documented hardship, such as job loss, illness or divorce, and cannot make a payment within the next 90 days.

    NRS 107.0865

  4. What the petition pauses

    Until mediation is completed

    Once you meet the petition requirements, no further action can be taken to sell the home until mediation is done. If you skip the petition or waive mediation, Home Means Nevada issues a certificate that lets the trustee move ahead.

    NRS 107.086(3), (4)

  5. Who attends and what to bring

    At the mediation session

    The lender must bring the deed of trust, note and every assignment, and someone with authority to agree to a loan modification. The self-help center lists what you should provide, including recent pay stubs, two years of tax returns, two months of bank statements and a hardship letter if you have one.

    NRS 107.086(5)

  6. If the lender does not take part in good faith

    After the session

    If the lender misses mediation, lacks the documents or authority, or does not negotiate in good faith, the mediator recommends sanctions. The court can impose sanctions, including requiring a loan modification.

    NRS 107.086(6)

  7. The possible endings

    Mediation should finish within about 90 days of the mediator's assignment

    If you agree, the court enters an order with the modification or settlement terms. If both sides tried in good faith and could not agree, or if you do not show up, the petition is dismissed and Home Means Nevada issues a certificate so the foreclosure can continue.

    NRS 107.086(7), (8), (9)

The program in Nevada

Foreclosure mediation

Program available

Yes. Nevada's Foreclosure Mediation Program is in state law and is run by the district courts, with Home Means Nevada, Inc. handling notices and certificates. It covers a home that is your primary residence. Within 30 days after you are served with the Notice of Default, you file a Petition for Foreclosure Mediation Assistance with the district court, pay the fees and mail copies to the lender, the trustee and Home Means Nevada by certified mail. The Civil Law Self-Help Center lists a $25 filing fee (which can be waived) and a $250 mediation fee in Clark County. The lender must bring the loan papers and someone with authority to agree to a modification, and the sale cannot go forward until mediation is done. You can also ask for mediation before any Notice of Default if a HUD-approved counselor certifies a documented hardship and that you cannot make a payment within the next 90 days. Mediation does not apply while a bankruptcy case is open or to HOA foreclosures.

Official program page

Common questions in Nevada

Who pays the rest of the Nevada mediation fee?

The total mediation fee is split equally between you and the lender, and Nevada law caps the total at $500. In Clark County the self-help center lists $250 for each side, paid to the District Court Clerk.

Is Nevada foreclosure mediation done in person?

The Civil Law Self-Help Center says sessions are held on weekdays, last no more than four hours, and may be at a courthouse or an office. A document conference call happens first so the lender can tell you what papers it needs.

What if my Nevada home is in an HOA community?

You can still use mediation for your mortgage. The trustee must tell your association that the sale is subject to mediation, and during mediation you must keep paying current HOA dues, though not past-due amounts.

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.

Also in Nevada

Foreclosure mediation (this page)Property tax foreclosure Claim surplus funds Deficiency judgments Letters you may get

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Sources for this page

  1. NRS Chapter 31, Attachment, Garnishment and Prejudgment Remedies (NRS 31.295)
  2. NRS Chapter 11, Limitation of Actions (NRS 11.190)
  3. NRS Chapter 107, Deeds of Trust (Rev. 4/15/2026, through the 2025 session), Nevada Legislature
  4. 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)
  5. NRS Chapter 21, Enforcement of Judgments (NRS 21.190 to 21.210, redemption after execution sale)
  6. NRS Chapter 116, Common-Interest Ownership (NRS 116.3116 to 116.31166)
  7. NRS Chapter 645F, Mortgage Lending and Related Professions (NRS 645F.300 to 645F.450, foreclosure consultants)
  8. Home Means Nevada, Inc.: Foreclosure Mediation Program
  9. Home Means Nevada, Inc.: home page
  10. Eighth Judicial District Court: Foreclosure Mediation
  11. Nevada Foreclosure Mediation Rules (posted by the Eighth Judicial District Court)
  12. Civil Law Self-Help Center: Intro to Foreclosures
  13. Civil Law Self-Help Center: Petition for Foreclosure Mediation Assistance
  14. Civil Law Self-Help Center: Evicting a Former Owner After Foreclosure
  15. Legal Aid Center of Southern Nevada: Foreclosure
  16. Nevada Legal Services: Foreclosure Prevention
  17. Nevada Attorney General: Mortgage Fraud Unit
  18. Nevada Attorney General: Examples of Mortgage/Foreclosure Fraud and Loan Modification Scams
  19. Nevada Division of Mortgage Lending: Submit a Complaint
  20. Nevada Real Estate Division: Common-Interest Communities
  21. State Bar of Nevada: Lawyer Referral Service
  22. Nevada Affordable Housing Assistance Corporation (Nevada Homeowner Assistance Fund)
  23. U.S. Department of the Treasury: Homeowner Assistance Fund
  24. Nevada Housing Division
  25. A.B. 513 (2023), as introduced: Eliminates the program of foreclosure mediation