Nevada Mortgage Assistance and Foreclosure Prevention Program Guide.
If you're struggling with your mortgage, there are programs in Nevada that can help as listed below - but the window to use them closes faster than most people realize. Nevada foreclosures move quickly, typically completing within about four months of the first formal notice. One of the most important things you can do is request mediation through Nevada's Foreclosure Mediation Program, which you can do after receiving a Notice of Default. That window to request it is just 30 days, so acting right away matters.
The options below are what remains active. Programs and eligibility change — verify current status before applying.
Scam Warning: Foreclosure scams are common in Nevada, especially in Las Vegas. If anyone contacts you about saving your home and asks for an upfront fee, a deed transfer, or access to your financial accounts — it's a scam. Legitimate HUD-certified counselors and legal aid organizations never charge for foreclosure help. Report suspected scams to the Nevada Attorney General's Consumer Protection Division at (702) 486-3132 (Las Vegas) or (775) 684-1180 (Carson City).
Start Here: Free Housing Counseling in Nevada
A HUD-certified housing counselor is free, works on your behalf, and can contact your lender directly to help work out a solution. In Nevada, they're also often the gateway to the state's foreclosure mediation program — you'll typically need a counselor's recommendation to participate. To find a counselor:
Nevada Foreclosure Mediation Program
This is Nevada's most significant active tool for homeowners facing foreclosure. If you've received a Notice of Default on your primary residence, you can request mediation — a structured meeting between you, your lender, and a neutral third party to work toward a solution. You have 30 days from receiving the Notice of Default to request mediation, so don't wait. A HUD-certified housing counselor can help you prepare and submit the request.
The program is administered through Nevada's District Courts and overseen by Home Means Nevada, Inc. To participate, you file a Petition for Foreclosure Mediation with your District Court, pay a $25 filing fee and $250 mediation fee, and serve copies on the lender and trustee. The Civil Law Self-Help Center (Las Vegas) has free step-by-step guidance and petition forms. Website: https://www.homemnv.org/.
State Programs
Nevada Housing Division (NHD). The state housing agency that oversees homebuyer assistance and foreclosure prevention resources statewide. While HAF is closed, NHD continues to coordinate housing counseling and mediation resources for struggling homeowners. Website: https://housing.nv.gov/.
Nevada Affordable Housing Assistance Corporation (NAHAC). The nonprofit may have referral resources or updated programs — contact them to check on any active assistance. As a focus is on helping homeowners, potential buyers and even renters. Phone: (888) 320-6526. Website: https://nahac.org/.
211 Nevada. Statewide referral service that can connect you to local emergency financial assistance, community action agencies, and housing resources. Dial 2-1-1 or visit https://www.nevada211.org/.
Credit Counseling Agencies: Many, such as MMI, offer free foreclosure prevention programs to low-income people that qualify. There are remote and in-person locations in the state and find details on credit counseling agencies in Nevada..
Loss Mitigation: What Your Servicer Must Offer
Your lender is required to review your situation before proceeding with foreclosure. Options they may offer include forbearance, a repayment plan, a loan deferral, or a loan modification. A HUD counselor can help you identify what to ask for and help you put together the application.
If your loan is backed by FHA, VA, USDA, Fannie Mae, or Freddie Mac, those agencies each have specific programs. Your counselor or servicer can tell you which applies to your loan.
Legal Aid
Nevada Legal Services. Free civil legal services for income-eligible Nevadans statewide, including housing and foreclosure cases. Phone: (800) 522-1070. Website: https://nevadalegalservices.org/.
Legal Aid Center of Southern Nevada (LACSN) — Las Vegas area. Free legal help for income-eligible Clark County residents, including foreclosure cases and FMP assistance. Walk-in hours Monday–Thursday 9am–4pm.
Phone: (702) 386-1070. Website: https://lacsn.org/.
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