Reno, NV › Selling before foreclosure
Can I Sell My Reno House Before Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Often, you can sell before the trustee's sale if the payoff, title requirements, and closing can be completed in time. Nevada home loans secured by a deed of trust can be foreclosed through a trustee sale without a court case. The notices and current sale date control your timing.
USA Home Buyers buys houses as-is in Reno and Washoe County, Nevada. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 or share the property address and sale date in the form.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the property address and any scheduled trustee-sale date.
How we can help with a possible sale
We review the house as it is and work toward a sale that fits the actual deadline, payoff, title, and written terms. You receive a written offer and written terms before you commit; if you choose to move forward, closing is through a title company.
When you sell to us, we pay the closing costs, including Nevada's real property transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Estimate possible proceeds with the Reno home-sale net-proceeds calculator. It is a planning estimate, not a property-specific offer or settlement statement.
Which sale is involved?
Mortgage foreclosure under a deed of trust
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. At least three months after the notice of default is recorded, the trustee may give notice of sale. That notice is recorded, mailed or delivered to you, posted in a public place in the county for 20 days, and published in a county newspaper once a week for three weeks. Read Nevada Revised Statutes 107.080 and 107.082 and the dates in your notices.
A trustee may postpone a sale by announcing the postponement at the sale. After three spoken postponements, a new sale date requires a new notice. Confirm the current date with the trustee or lender rather than relying on an old notice. Once the trustee's sale happens, Nevada law gives no right to buy the house back.
If you live in the home, check the mediation notice
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. Requesting mediation 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. Read the Nevada Foreclosure Mediator Program information and your notice.
A property-tax sale is a different process
The mortgage deadlines above are not tax-sale deadlines. If your notice concerns delinquent property taxes, follow that notice and contact the Washoe County Treasurer about the tax account. The county's tax auction information concerns that separate process.
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 lien details reviewed. 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.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate from the closing costs we pay. The title company can review which items apply to the particular closing.
What happens next
- Tell us the property address and the trustee-sale date shown on your notice, if one is scheduled.
- We review the house as-is and give you a written offer and written terms before you commit.
- If you want to proceed, a title company reviews title, lender payoff requirements, liens, and the timing needed for closing.
- If the sale can proceed under the required terms and timing, closing takes place through the title company.
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.
Call 888-274-5006 or use the form to tell us what date is on your notice.
Reno and Washoe County contacts
- Washoe County Recorder's Office — recorded-document and recording questions. The office is at 1001 E. Ninth Street, Reno, NV 89512; real-estate records phone: (775) 328-3660. For a current sale date, check the trustee or lender and your notice.
- Washoe County Treasurer tax-auction information — for the separate property-tax sale process. The Treasurer is at 1001 E. Ninth Street, Room D140, Reno, NV 89512; (775) 328-2510.
- Nevada Foreclosure Mediator Program — state-court program information for homeowners reviewing mediation.
Compare possible sale proceeds with the Reno home-sale net-proceeds calculator and see our Reno seller resources. You can also read Reno-area seller reviews; each review should be read with its actual location.
Questions about foreclosure in Reno, NV
Can I sell my Reno house before a trustee sale?
Often, yes, if the payoff, title work, and closing can be completed before the trustee's sale. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it. An offer by itself does not change the sale date; confirm the current date with the trustee or lender.
What happens after a Nevada notice of default?
For a home loan secured by a deed of trust, 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. At least three months after recording the notice, the trustee may give notice of sale. Check your notices for the dates that apply to your property.
Can foreclosure mediation affect a trustee sale in Nevada?
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. If you file, pay, and serve the required request on time, the trustee cannot move ahead with the sale until mediation is finished. The filing fee is $25 plus your share of the mediator fee.
Is a Washoe County tax sale the same as a mortgage trustee sale?
No. A sale related to delinquent property taxes follows a different process from a mortgage foreclosure under a deed of trust. Do not apply the mortgage deadlines to a tax-sale notice. Follow the notice and contact the Washoe County Treasurer about the tax account and auction information.
What if my mortgage payoff is more than my Reno house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask for a current payoff and have the title details reviewed; any lender decision depends on the specific loan and sale.
What happens after I contact USA Home Buyers?
Share the property address and any scheduled trustee-sale date. We review the house as-is and give you written offer terms before you commit. If you choose to proceed, a title company reviews title and payoff requirements and handles the closing if the terms and timing work.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and current sale date so we can review your timing.