Nevada Foreclosure Timeline & Reinstatement Guide

Understand foreclosure notices, reinstatement deadlines and cure steps in Nevada, and prepare the information needed to review your options.

Start with the recorded notice and the actual sale date

A late payment, a recorded foreclosure notice and a scheduled auction are different events. Read every notice, save the envelope and recording information, and contact the trustee or Public Trustee identified in the notice. A general timeline cannot establish the deadline for an individual property.

Reinstatement and cure in Nevada

Nevada NRS Chapter 107 governs trustee foreclosure notices and cure rights. Do not assume a fixed 120-day cure window. For owner-occupied housing covered by NRS 107.0805(1)(a), the deficiency-cure period generally ends five days before the sale. NRS 107.080 also provides a generally applicable 35-day deficiency-cure period for deeds of trust effective on or after July 1, 1957, computed using its recording and mailing rules, and a separate minimum three-month period after recording before sale-notice procedures. Different provisions and protections can apply. Confirm the applicable cure amount and deadline with the trustee or a Nevada attorney. Submitting an inquiry does not stop or extend a foreclosure deadline. This is general information, not legal advice.

Request a written reinstatement or cure statement

Ask for an itemized statement showing the amount due, how long the figures are valid, accepted payment methods and where funds must be delivered. Verify instructions directly with the trustee or servicer using independently confirmed contact details. A regular monthly payment alone may not cure the arrears.

Prepare your documents and compare your options

Gather the notice, current mortgage statement, approximate balances of all liens, estimated property value and any scheduled sale date. Discuss available arrangements with your mortgage servicer. A private loan secured by available home equity is a separate transaction with its own costs and repayment obligations; approval, funding and future refinancing are not guaranteed.

Legal source and deadline confirmation

Nevada NRS Chapter 107. Confirm the current law and the deadline for your property with the trustee, Public Trustee where applicable, or a licensed attorney in Nevada. This educational page provides general information, not legal advice.