I'm Behind on My House. What Can I Do?
Direct Answer
Falling behind on a mortgage, HOA assessment or property tax does not automatically mean you have already lost your home. Your options depend on what you owe, who you owe, foreclosure stage, property value, available equity, income, legal rights, and time remaining.
The most important first steps are:
OPEN THE NOTICES.
VERIFY THE DEBT.
CONTACT THE APPROPRIATE CREDITOR OR SERVICER.
FIND OUT WHAT THE HOME IS ACTUALLY WORTH.
Then choose the path that best fits your circumstances.
Help First
Never ignore foreclosure, HOA or tax notices. Open them, verify the debt, and contact the appropriate servicer, association, taxing authority, attorney or housing counselor. Do not pay unsolicited foreclosure rescue companies.
Last reviewed 2026-09-13. Nevada foreclosure (NRS Chapter 107), HOA (NRS Chapter 116) and tax enforcement law changes; verify current law and your specific facts with a qualified Nevada attorney and title professional.
Find Your Situation
What Best Describes Your Situation?
I Am Behind on My Mortgage
- What Is Foreclosure in Nevada? How Nevada mortgage foreclosure generally works.
- Received a Nevada Notice of Default? What a notice of default means and what to do.
- Can You Sell Your House Before Foreclosure? Why early selling can matter when there is equity.
- What Is a Trustee's Sale in Nevada? The sale conducted under the deed of trust's power of sale.
- Can You Sell After a Notice of Default? Why timing, payoff and foreclosure status matter.
- What Is a Short Sale? Selling when the home may sell for less than what is owed.
I Am Behind on HOA Fees
- HOA Fees in Las Vegas: What Buyers Need to Know How HOA assessments and special assessments work.
- Can an HOA Foreclose on a Home in Nevada? Yes, under NRS Chapter 116 when qualifying amounts remain unpaid.
- Received an HOA Foreclosure Notice? The emergency steps to take now.
- Can an HOA Foreclose if Your Mortgage Is Current? The mortgage and the HOA are separate obligations.
- How Does HOA Foreclosure Work in Nevada? The general process behind HOA lien enforcement.
- What Happens to a Mortgage After an HOA Foreclosure? The legally complex lien-priority question.
I Owe Property Taxes
- Can Unpaid Property Taxes Cause You to Lose Your House? Why homeowners should act early on delinquent taxes.
- What Is a Property Tax Sale? What can happen when taxes remain delinquent.
- Buying Property at a Tax Sale: Risks to Know What to research before bidding.
- Nevada Property Tax Guide How property taxes work for Nevada homeowners.
I Owe More Than the House Is Worth
- What Is a Short Sale? Selling when the home may sell for less than what is owed.
- Can You Sell a House if You Owe More Than It's Worth? Possible paths when the shortage must be resolved.
- How Does a Short Sale Work? The typical short-sale process step by step.
- Short Sale vs. Foreclosure The difference between the two paths.
I Filed Bankruptcy
- Can You Sell a House During Bankruptcy? Why bankruptcy attorney involvement is essential before selling.
- How Does Bankruptcy Affect Property Title? Deed, bankruptcy estate and liens after filing.
- What Happens to Judgment Liens in Bankruptcy? Why a discharge does not necessarily remove a recorded lien.
Something Is Wrong With My House. Can I Still Sell It?
Repairs, damage, clutter, tenants, unpermitted work, an empty house or a complicated situation: homes do not have to be perfect to sell. Find the path that fits your specific problem.
Do I Have Equity?
Educational seller tool
Estimate what your home may be worth relative to what you owe before you make a foreclosure decision. The tool compares estimated value against your entered mortgage and lien balances and estimated selling costs. It is an educational estimate, not a payoff statement, title report, appraisal, tax calculation or legal determination.
These People Do Not Need Cheerful Copy. They Need Answers and a Plan.
Find Out How Much Equity You May Still Have
See Whether Selling Could Pay Off the Debt and Preserve Your Equity
Get a Real Market Value Before the Deadline Gets Closer
Lisa's value here is market valuation, rapid listing preparation, as-is sale analysis, buyer demand, a realistic timeline, seller-net analysis, and transaction coordination.
Lisa C Hamilton is a Nevada REALTOR®, not an attorney, foreclosure consultant, mortgage servicer, title insurer, tax adviser, bankruptcy professional, or HOA lien authority. Nothing here is legal, tax, title, or financial advice, and no outcome is guaranteed. Always verify current Nevada law and the specific facts of your situation with a qualified Nevada attorney, title professional, servicer, and tax adviser.