Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Nevada uses a nonjudicial foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Before the NOD can be recorded, the servicer must mail a pre-foreclosure ('danger') notice at least 30 calendar days in advance with the cure amount, counseling contacts, and foreclosure-prevention alternatives (NRS 107.500). After the NOD: the standard cure period is 35 days, but for OWNER-OCCUPIED housing you may cure (pay arrears + costs) until 5 days before the sale date. Owner-occupants can also elect state foreclosure mediation within 30 days of NOD service. NRS 107.500(1); NRS 107.080(2)(a); NRS 107.0805(1)(a); NRS 107.086
Before the sale: Up to the sale you can pay off the full loan balance, and (if owner-occupied) cure just the arrears until 5 days before the sale.
After the sale: NONE after a nonjudicial trustee's sale — NRS 107.080(5): the sale 'vests in the purchaser the title of the grantor... without equity or right of redemption.' Post-sale redemption exists only after a (rare) JUDICIAL foreclosure: the judgment debtor may redeem within 1 year after the sale (NRS 21.210; NRS 21.220). NRS 107.080(5) · NRS 21.210 · NRS 21.220
You keep title and can sell the home (keeping your equity) at any time up until the trustee's sale is held; paying off the loan from sale proceeds stops the foreclosure. After the auction there is no redemption.
Want the fuller picture beyond the dates? Read the Nevada foreclosure guide — timeline, rights & options.
Property taxes are separate from the mortgage. After taxes go delinquent, a certificate is issued to the county treasurer as trustee, and you may redeem within 2 YEARS after the date of that certificate (1 year if the property is deemed abandoned) — NRS 361.570. After the redemption period the property is deeded to the treasurer (NRS 361.585), though limited reconveyance to the former owner is possible in some cases up to 5 p.m. on the third business day before the county's sale (NRS 361.585(3)). NRS 361.570; NRS 361.585
Practitioner estimate: 30-day pre-NOD notice + 3-month post-NOD wait + ~3 weeks of sale notice means the statutory minimum is roughly 4.5-5 months from the danger notice to sale; electing mediation (owner-occupied) or loss-mitigation review commonly extends the process to 6-12+ months. Federal rules also generally require 120+ days of delinquency before the NOD. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.