Foreclosure And Foreclosure Mediation
FYI! If you have questions about evictions related to foreclosure – maybe because you are a tenant renting a foreclosed home, or maybe because you are a former homeowner who has lost a home to foreclosure and are being evicted – click to visit our Eviction Issues Related to Foreclosure page. There you can find information about tenant's rights and landlord's obligations in foreclosure and about the eviction process for both tenants and former homeowners.
A mortgage foreclosure happens when a bank or a lender sells property to pay back a loan. Most people borrow money to buy a home, and in exchange for this loan, the lender holds a lien against the property. If the borrower misses payments, the loan goes into default, and the lender can sell the property to pay back the loan. Under Nevada law, a homeowners' association can also foreclose on a home for unpaid homeowners' association dues. (NRS 116.31162.)
If you have defaulted on your mortgage, received a Notice of Default, or think you are about to receive a Notice of Default, and want to know your options, Legal Aid Center of Southern Nevada might be able to provide you with assistance.
Legal Aid Center offers an Ask-A-Lawyer program for homeowners who have more detailed questions about foreclosures, mediations, and loan modifications, and who want to talk to an attorney and obtain legal advice about their case. Starting at 8:30 a.m. on the second and fourth Tuesday of every month, you can sign up for a free 30-minute one-on-one session with a volunteer attorney. Sessions begin at 9:00 a.m., and the number of slots is limited. For more information, click to visit the Legal Aid Center of Southern Nevada Ask-A-Lawyer page with a link to the flyer.
In certain situations, Legal Aid Center of Southern Nevada's staff attorneys or bro bono attorneys represent homeowners who meet certain income guidelines and need legal representation in their case or mediation with the lender. Click to visit the Legal Aid Center of Southern Nevada website for more information on the office hours and location.