Nevada Home Relief Resource Center
ResourcesClear Information for Difficult Property Decisions.
Use these resources to understand common distressed-property terms, possible next steps and the types of professionals who may be appropriate when a question goes beyond real estate.
Start here
Distressed Homeowner Guides
Short Sales
What a short sale is, when it may be considered, lender review, documents, liens and closing.
Read the Short Sale Guide →Foreclosure & Notice of Default
Understand why the notices and dates matter and what information to gather when foreclosure has started.
Foreclosure Help →VA Compromise Sales
Information for VA-backed homeowners facing hardship, insufficient equity or a possible short sale.
VA Homeowner Guide →Understanding Your Options
Compare keeping the home, a traditional sale, short sale, as-is sale and other possible paths.
Compare Your Options →Real Success Stories
See how three Southern Nevada homeowners faced very different distressed-property challenges.
Read the Stories →Property & Equity Review
Before assuming you need a short sale, start by understanding the property's potential value and mortgage situation.
Check Potential Equity →Trusted outside resources
Some Questions Require a Different Professional.
Housing Counseling
HUD-approved housing counselors can help homeowners understand mortgage delinquency, default, foreclosure-prevention and home-retention options. HUD states that foreclosure counseling is free. Call HUD at (800) 569-4287 or use the official HUD counselor search.
Find a HUD-Approved Housing Counselor →Nevada Foreclosure Mediation
Nevada maintains a foreclosure mediation process that may apply to qualifying homeowners. Eligibility, procedures and deadlines depend on the circumstances and notices received. Review your foreclosure documents promptly and use the Home Means Nevada program resource for current homeowner information.
Nevada Foreclosure Mediation Program →Legal Questions
Bankruptcy, deficiency, lien rights, foreclosure law, probate and other legal questions should be addressed by a qualified attorney.
Ask us for an appropriate referral.Nevada Legal Services →
Tax & 1099-C Questions
Debt cancellation and short sales can raise tax questions. A CPA or qualified tax professional should evaluate your individual situation.
Tax advice is not provided by Nevada Home Relief.IRS: Canceled Debt & Form 1099-C →
Veteran Resources
VA-backed homeowners facing mortgage hardship can contact their mortgage servicer and the U.S. Department of Veterans Affairs for information about VA home-loan assistance and available options. You can also review our VA Compromise Sale guide for information about selling when the mortgage balance may exceed the property's value.
Start with our VA guide →VA Help for Avoiding Foreclosure →
Secure Documents
Do not upload tax returns, bank statements, Social Security numbers or other sensitive financial documents through the initial website form.
Secure collection is arranged when appropriate.Common terms
Quick Answers
What is a Notice of Default?
It is a formal notice associated with the foreclosure process. If you receive one, review the document carefully and pay attention to all dates, parties and instructions.
What is a 1099-C?
Form 1099-C is generally associated with cancellation-of-debt reporting. Receiving one does not by itself determine your final tax liability. Consult a qualified tax professional for advice about your circumstances.
What if I have a second mortgage, HOA lien or judgment?
Additional claims can affect a sale or short sale and may need to be identified and addressed before closing.
Can Nevada Home Relief give me legal or tax advice?
No. Brad and Mary provide real-estate services and educational information. Legal and tax questions should be directed to the appropriate licensed professional.
Need help applying this to your property?
Start With a Confidential Review.
Tell Brad and Mary what's happening, your goal and any foreclosure deadline you know about.