Keep Your Home
Explore loss-mitigation or home-retention options with your servicer and an appropriate housing counselor.
Southern Nevada Foreclosure & Short Sale Help
Stop Foreclosure — Act NowYou May Have More Options Than You Think.
Behind on your mortgage? Received a Notice of Default? Facing a trustee sale? Don't assume it's too late. Brad Wolfe and Mary Baca bring decades of experience navigating distressed properties, short sales, banks and mortgage servicers.
Confidential • No Obligation • Local Southern Nevada Brokers
Have a Foreclosure Sale Date?Don't wait until the last minute.Call (702) 710-0988
50+ YearsCombined real-estate experience
1,000+Distressed homeowners assisted
MBA + CCIMBrad's business & investment credentials
REO ExperienceMary's extensive distressed-property background
Southern NevadaLocal brokers serving our community
Time matters
Where Are You in the Foreclosure Process?
Every homeowner's situation is different. Choose what best describes yours.
Understand the paths
Your Situation Doesn't Automatically Mean Foreclosure.
Depending on your mortgage, equity, lender, timeline and financial situation, several paths may be worth exploring.
Traditional Sale
You may have more equity than you realize. Start with an estimated value and payoff review.
Short Sale
If proceeds won't satisfy the mortgage and related obligations, a lender-approved short sale may be an option.
VA Compromise Sale
VA-backed borrowers may have additional considerations when selling without sufficient equity.
Sell As-Is
Major repairs don't necessarily mean you must repair the property before selling.
Cash / Investor Sale
Depending on equity and circumstances, an investor sale may be another alternative.
Your goal comes first
Want to Keep Your Home? Let's Explore That First.
Our goal isn't to convince every homeowner to sell. If keeping your home may be possible, Brad & Mary can help you understand the situation and connect you with appropriate housing-counseling resources.
Find a HUD-Approved Housing Counselor“Something is wrong. What do I do next?”
Nevada Home Relief is designed to answer that question without assuming a sale is the only solution.
Meet your local specialists
Brad Wolfe, MBA, CCIM & Mary Baca
Experience on Both Sides of Distressed Real Estate.
Distressed properties aren't a new specialty for Brad and Mary. Their experience spans multiple real-estate cycles, including the foreclosure and REO environment surrounding the 2008 housing crisis.
Mary brings more than 25 years of real-estate experience, including extensive bank, REO and foreclosure work. Brad brings more than 20 years of Southern Nevada real-estate and mortgage-related experience and is a Nevada real-estate broker, MBA, CCIM designee and U.S. Marine Corps veteran.
Brad: Nevada Real Estate BrokerMary: Nevada Broker-Salesperson
Experience matters
We Know How to Navigate the Banks.
Short sales can involve financial packages, hardship documentation, valuations, purchase contracts, liens and repeated servicer communication.
PennyMac • Select Portfolio Servicing (SPS) • Mr. Cooper • M&T Bank • Chase • Wells Fargo • Bank of America
Prior transaction experience does not imply affiliation with or endorsement by any lender or mortgage servicer. Requirements and decisions vary.
Short-sale brokerage service
How Much Does Our Short-Sale Service Cost You?
$0 OUT OF POCKET*
If your lender approves your short sale, real-estate brokerage compensation is generally paid from transaction proceeds as approved by the lender/servicer at closing.
You don't write Nevada Home Relief a brokerage commission check.*Transactions vary. Other expenses, liens, taxes, legal obligations or transaction costs may exist. No lender approval or outcome is guaranteed.
Request My Free Property ReviewVA-backed homeowners
VA Loan and Facing Foreclosure? There May Be Another Option.
If you have a VA-backed mortgage and owe more than the property may sell for, a lender-approved short sale—sometimes referred to in the VA context as a compromise sale—may be worth exploring. Brad and Mary can help you understand the real-estate side of the process, communicate with the servicer, market the property and coordinate the transaction while the lender and VA make their own approval decisions.
Nevada Home Relief is not affiliated with or endorsed by the U.S. Department of Veterans Affairs. Eligibility, approval and any deficiency treatment depend on the individual loan and applicable requirements.
Veteran-to-veteran perspective.
Brad is a U.S. Marine Corps veteran and serves as President of the VAREP Las Vegas Chapter. Nevada Home Relief helps veteran homeowners understand the real-estate options around a difficult mortgage situation without assuming a sale is the only answer.
What happens next
A Clear Five-Step Process.
1
Tell Us What's Happening
Complete the confidential property review.
2
We Review Your Situation
Mortgage, value, liens, timeline and goals.
3
Understand Your Options
Retention, traditional sale, short sale, VA and other paths.
4
You Decide
No obligation to list just because you asked for help.
5
We Navigate the Transaction
If you choose a sale, Brad & Mary handle the real-estate side.
Home value
What Could Your Home Be Worth?
Your property value is one piece of understanding your options. Use our CINC Home Estimate page to start with an automated estimate, then talk with Brad and Mary about condition, liens, mortgage payoff and timing.
The estimate opens on our Find Homes in Vegas site and may ask for contact details. An automated value is not an appraisal or a guarantee of sale price.
01
Start with a value range
See the estimate and nearby property information available through HomePulse.
02Review the full picture
Brad and Mary can discuss the value alongside your mortgage balance, property condition and goals.
Real situations. Different solutions.
Distressed Property Success Stories.
Every situation is different. These anonymized examples show the kinds of obstacles Brad and Mary have helped Southern Nevada homeowners work through.
A retired Air Force captain gets more time
After job loss and medical hardship, a veteran contacted the team seven days before a scheduled foreclosure sale. The sale was postponed, the home was marketed, and after roughly two months of servicer communication an approved short sale closed before foreclosure.
A Navy veteran acts early
Medical hardship made an $810,000 Green Valley home unaffordable. Despite deferred maintenance, the property was positioned and priced to attract a buyer in about one week, and the PennyMac short sale ultimately closed.
A nearly $40,000 claim is addressed
A veteran's Las Vegas property had years of accumulated HOA fines and charges. Brad and Mary challenged and negotiated the claimed balance from approximately $40,000 to $10,000, helping clear a major obstacle so the short sale could close.
Past results do not guarantee future outcomes. Foreclosure postponements, short-sale approvals, lien treatment and other decisions are controlled by lenders, servicers, trustees, associations and other parties. Nevada Home Relief provides real-estate services and does not provide legal or tax advice.
Client experiences
Hear From People We've Helped.
Verified public feedback from clients who have worked with Brad and Mary. Reviews reflect individual experiences; every homeowner's circumstances and outcome differ.
A stressful situation made smoother
A North Las Vegas client described a stressful real-estate situation becoming smooth and positive, with open and consistent communication throughout the process.
Read on ZillowHelp when time mattered
A Henderson seller praised Brad's help from beginning to end while they were working under a time crunch to sell their existing home.
Read on ZillowCommunication and guidance
Another client highlighted easy communication, helpful advice and recommendations, and Brad's ability to work around their schedule.
Read on Zillow★★★★★ 5.0 rating • 28 team reviews on Zillow
READ ALL ZILLOW REVIEWS READ OUR GOOGLE REVIEWS
Reviews reflect individual client experiences and may relate to real-estate services other than distressed-property or short-sale transactions. Results and circumstances vary.
Free & confidential
Tell Brad & Mary What's Going On.
Share a few details about your situation. Your information will be sent securely to Brad & Mary for a confidential property review. After submitting, you can choose an open time for a 30-minute phone call with Brad. Appointments are available Tuesday from 11 a.m. to 3 p.m. and Wednesday and Thursday from 10 a.m. to 3 p.m., Pacific time.
- No Social Security number
- No bank statements or tax returns here
- Urgent sale dates can be flagged for immediate follow-up
Resource center
Explore Your Next Step.
Short Sales
See when a lender-approved sale may be an option.
Read about short salesForeclosure & NOD
Find guidance based on where you are in the process.
Check your stageVA Compromise Sales
Review the VA-backed loan option.
Explore VA options1099-C & Tax Questions
Understand the basic question and when to ask a tax professional.
Read the FAQIndependent information
Trusted Sources for Your Next Step.
You can review official guidance alongside your conversation with Brad and Mary.
CFPB Mortgage Help
Learn about mortgage difficulty, foreclosure options and help with your servicer.
Visit the CFPBHUD-Approved Housing Counselors
Find independent housing counseling through the CFPB's HUD-approved agency finder.
Find a counselorVA Home Loan Assistance
Veterans with mortgage difficulties can review VA options and contact a VA loan technician.
Visit VA.govThese links are provided for education. Nevada Home Relief is not affiliated with or endorsed by these agencies.
Ask Brad & Mary
Common Distressed Homeowner Questions
Do I have to pay Nevada Home Relief to do my short sale?
In an approved short sale, brokerage compensation is generally paid from transaction proceeds as approved by the lender/servicer. Other costs or obligations may still exist.
Is it too late if I already received a Notice of Default?
A Notice of Default makes timing important, but it does not by itself tell us which options remain. The next step is understanding your actual timeline, servicer and goals.
What if I already have a trustee sale date?
Contact us promptly and continue communicating with your mortgage servicer. Nevada Home Relief cannot guarantee that a scheduled sale will be postponed or stopped.
What is a 1099-C?
Form 1099-C generally reports certain canceled debt to a borrower and the IRS. Receiving one does not by itself determine your final tax liability; consult a qualified tax professional for advice specific to you.
Don't Wait Until the Last Minute.
You don't have to figure this out alone. Tell Brad & Mary what's happening and start by understanding where you stand.