Foreclosure Defense in Reno

Reno is in Nevada, which is a non-judicial foreclosure state. Nevada's non-judicial trustee sale process takes approximately 120 days. AB 284 (2011) requires lenders to prove ownership with recorded assignments. Washoe County's growing tech economy and California-to-Nevada migration create unique real estate conditions.

In Nevada, since it is a non-judicial state, there is no lawsuit to answer — but you must act quickly once you receive a Notice of Default. The timeline is short, and your options narrow the closer you get to the sale date.

Washoe County foreclosure resources are available through the Community Services Agency. Nevada Legal Services provides foreclosure defense. The Nevada Home Retention Program provides mortgage assistance.

Yes, it is possible to keep your home even after the foreclosure process begins. Options include reinstating the loan (paying the past-due amount), negotiating a loan modification, filing for bankruptcy (which stops the foreclosure immediately via the automatic stay), or raising legal defenses that challenge the lender's right to foreclose. In Nevada, many homeowners successfully save their homes through these methods — but early action is critical.