Elko, NV · Elko County · Foreclosure
Can I Sell My Elko House Before a Trustee's Sale?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Often, yes: you may be able to sell before the Nevada trustee's sale if the required payoff, title work, and closing can be completed in time. An offer does not change the sale date; the notices and current date for your property matter.
We buy houses as-is in Elko and Elko County. Call 888-274-5006 or send the property address and sale date through the form.
Call 888-274-5006If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the date shown on any sale notice.
How we can help with an Elko house
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We buy in Elko and Elko County. You receive a written offer and written terms before you commit, and a title company handles the closing.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. When you sell to us, we pay the closing costs, including Nevada's real property transfer tax. The mortgage payoff, liens, back taxes, and your share of current property taxes are separate figures reviewed for the sale.
Mortgage foreclosure or property-tax sale?
This mortgage timeline is for a loan secured by a deed of trust. In Nevada, the trustee can sell the home without a court case. A sale involving delinquent property taxes is a different process; keep its notice and dates separate and do not use the mortgage deadlines below for a tax-sale notice.
For a mortgage foreclosure, the trustee records a notice of default and election to sell with the county recorder and mails you a copy. The trustee cannot sell unless the missed payments remain unpaid for 35 days after that notice. At least three months after the notice of default is recorded, the trustee can give notice of sale. That notice is recorded and mailed or delivered to you, posted in a public place in the county for 20 days, and printed in a county newspaper once a week for three weeks.
If you live in the home, the notice of default must include information about foreclosure mediation. You have 30 days after it is served to waive mediation or ask the district court for it. Asking costs a $25 filing fee plus your share of the mediator's fee. If you file, pay, and serve the required request on time, the trustee cannot move ahead with the sale until mediation is finished.
A sale can be postponed by an announcement at the sale. After three spoken postponements, a new sale date needs a new notice. Nevada law gives no right to buy the home back after the trustee's sale. If a date is scheduled, confirm it with the trustee named in your notice rather than assuming it changed.
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask the lender for a current payoff and have the title and closing figures reviewed for the property.
What happens next
- Contact us with the property address and the trustee's sale date, if one is scheduled.
- We review the house and give you a written cash offer and written terms before you commit.
- A title company checks title, the current payoff, recorded liens, and closing figures with you.
- If you accept and the required steps can be completed in time, the title company coordinates closing.
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Elko County records, tax information, and mediation
For a property-tax notice, keep its dates separate from a mortgage trustee's sale. Start with the Elko County Treasurer's tax information and follow the deadline on your notice. The mortgage dates on this page do not set a tax-sale deadline.
The Elko County Records Center links to county property, tax, and recording information. It is not a live trustee-sale schedule; confirm a mortgage sale date with the trustee named in your notice.
If you live in the home and received a notice of default, read the Nevada courts' Home Means Nevada Foreclosure Mediation Program overview promptly; the notice gives you a 30-day period to waive mediation or request it.
Foreclosure questions and contact
Estimate possible sale proceeds with the Elko calculator → It is a planning estimate, not an offer for your property.
Read seller reviews associated with Elko.
Questions about foreclosure in Elko, NV
Can I sell my Elko house before a Nevada trustee's sale?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. Often, yes: you may be able to sell before the sale if the required payoff, title work, and closing can be completed in time. An offer does not change the scheduled sale date, so confirm the current date with the trustee named in your notice.
What deadlines apply to a Nevada mortgage foreclosure?
A Nevada deed-of-trust foreclosure starts with a recorded notice of default and election to sell, mailed to you by the trustee. The trustee cannot sell unless the missed payments remain unpaid for 35 days after that notice. A notice of sale can come at least three months after the notice of default is recorded; the sale notice is recorded, delivered or mailed, posted in the county for 20 days, and published in a county newspaper once a week for three weeks. The notices for your property control the dates.
Is an Elko County property-tax sale the same as a mortgage trustee sale?
No. A sale involving delinquent property taxes is a separate process with its own notices and deadlines. Do not use the Nevada mortgage-foreclosure timeline for a tax-sale notice; follow the notice and check with Elko County about the property-tax process.
What if the payoff is more than my Elko house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. A lender payoff reduction is not assured for a particular sale; get a current payoff and have the title and closing figures reviewed.
Can I sell a house that needs repairs or has back taxes or liens?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. The mortgage payoff and your share of current property taxes are separate closing figures.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and the date shown on any sale notice.
Call 888-274-5006 to talk about a house in Elko or Elko County.