If your answer to the above question is yes, make sure you know your rights. When you take out a loan to purchase residential property in Nevada, you will likely sign a promissory note and a deed of trust. A promissory note is basically an IOU that contains the promise to repay the loan, as well as the terms for repayment. The deed of trust provides security for the loan that is evidenced by a promissory note. If you miss a payment, most loans include a grace period of ten or fifteen days after which time the loan servicer will assess a late fee. To find out the late charge amount and grace period for your loan, look at the promissory note that you signed. This information can also be found on your monthly mortgage statement.
If you miss a few mortgage payments, your mortgage servicer will probably send a letter or two reminding you to get caught up, as well as call you to try to collect the payments. Don’t ignore the phone calls and letters. This is a good opportunity to discuss foreclosure avoidance options and attempt to work out an agreement, like a loan modification, forbearance or payment plan. Under federal laws that went into effect January 10, 2014, the servicer normally must wait until you are 120 days delinquent on payments before making the first official notice or filing for any nonjudicial or judicial foreclosure.
Nevada law requires the servicer or owner of the loan to send the borrower a notice that contains information about the account, including the total amount needed to cure the default and includes information about foreclosure prevention alternatives, among other things. Nev. Rev. Stat. § 107.500. In Nevada, most residential foreclosures are nonjudicial. This means the lender can foreclose without going to court as long as the deed of trust contains a power of sale clause.
The Nevada nonjudicial foreclosure process formally begins when the trustee, a third-party, records a Notice of Default and Election to Sell (NOD) in the office of the recorder in the county where the property is located, providing three months to cure the default. A copy of the NOD must be sent to each person who has a recorded request for a copy and each person with an interest or claimed an interest in the property by registered or certified mail within ten days after the NOD is recorded. Nev. Rev. Stat. § 107.090. If a residential foreclosure, a copy of the NOD must be posted on the property, Nev. Rev. Stat. § 107.087, and the trustee or beneficiary (lender) must record a notarized affidavit. See Nev. Rev. Stat. § 107.0805 for what must be included in the affidavit.
If you are about to be in the throes of the nonjudicial foreclosure process, don’t give up…there is still hope. Have you heard of the Nevada Foreclosure Mediation Program? Stay tuned over the next month for more information!
Good Afternoon
A few weeks ago I joined Rich Marshall in Orlando as a guest on the new God@Work television show. This program, that highlights how God is at work in people’s lives around the world, is produced by GodTV and my segment will air tomorrow, October 29th at 5:30 PM PDT.
I really enjoyed my time with Rich and his other guests as we explored the power of God at work in our daily lives. Please tune in and tell your friends about it!
GodTV is on channel 365 if you have DirecTV; or you can get it online at god.tv. Online: www.god.tv/vod; then click on series and scroll down to God@Work, I am on episode 45.
I genuinely hope you will watch the program tomorrow and drop me a note letting me know what you think. It would help if you copied Rich on that as well, so he knows what people are saying about the show. You can reach out to Rich at rmarshall@god.tv
Remember: channel 365 on DirecTV; or online at www.God.tv/vod
Thanks for watching!
Dr. Mary L House
Dr. Mary L. House on God TV
/0 Comments/in Past Events/by Andrea SolidTune in to God At Work on God TV Monday, October 29th 5:30 pm to watch our very own Dr. Mary L. House
You can watch God TV online at https://www.god.tv or on
DirectTV channel 365
Monday at 5:30 pm PST;8:30 ET; 7:30 CT; 6:30 MT
The Vegas Strong Resiliency Center serves as a one-stop resource and referral hub for residents, visitors and responders affected by the 1 October shooting incident. It is located at 1524 Pinto Lane, Las Vegas, Nevada, Second Floor, 10:00 a.m. to 7:00 p.m., Monday – Friday, excluding holidays.
Services include:
- Victim Advocacy and Support
- Case Management
- Legal Assistance
- Counseling and Spiritual Care Referrals
- Technical Assistance Accessing Online Resources Including the FBI Victim Assistance Services
OTHER ASSISTANCE PROGRAMS INCLUDE:
NEVADA VICTIMS OF CRIME PROGRAM: www.voc.nv.gov or 702-486-2740.
If you were injured in or were present during the shooting at Route 91 Harvest Music Festival in Las Vegas on Oct. 1, 2017, you may be eligible for funds from the Nevada Victims of Crime Program for reimbursement of out-of-pocket expenses resulting from the crime such as medical bills, funeral expenses or mental health counseling not covered by insurance. Your application must be submitted within one year of the date of the incident, or by Oct. 1, 2018, to be eligible for assistance from the program for future expenses that you may incur.
FBI VICTIM ASSISTANCE SERVICES
The FBI has collected and cataloged thousands of belongings left behind at the concert venue. All requests for belongings lost at the festival site are being processed through the FBI’s Victim Services Division website and the online questionnaire located at: www.fbi.gov/lvmusicfestivalshooting.
Event attendees also can email inquiries to the FBI at: LVFestivalAssist@fbi.gov.
Please include as much detail about your lost items as possible. They will work with individuals to get your identified items back to you as soon as possible.
Prayer is inevitably the one thing that keeps us in constant contact with God, prayer is an act of obedience. Throughout the bible, we see how often it states to pray. Romans 12:10-12 states,
“Be kindly affectioned one to another with brotherly love; in honor preferring one another; Not slothful in business; fervent in spirit; serving the Lord; Rejoicing in hope, patient in tribulation; continuing instant in prayer.” When we continue in prayer with God our relationship with him grows deeper, he will begin to reveal our gifts to us, and our faith will be strengthened. Prayer brings strength to us and helps us to understand what God is trying to say to us. When we as a people truly understand that by bowing down and submitting ourselves unto God thru his son Jesus Christ we will gain more clarity and he will begin to entrust us with more based upon our faith. God is a wonderful God who only wants us to be closer to him, when we give him more of us, he will give us more of him. Prayer builds our faith, trust, and hope in God; keep praying because God hears you.
LOCATION
2845 Lindell Rd
Las Vegas NV 89146
SUNDAYS
A Time of Prayer 9:00 am (on campus) 1st Sundays (Feb-Oct) Worship Service On-Campus & Online 10 am PST
WEDNESDAYS
Bible Study with Pastor Clinton HouseConcluded for 2024 Check schedule for special services
CONTACT
Phone: (702) 367-1636
Fax: (702) 367-4008
LOCATION
2845 Lindell Rd
Las Vegas NV 89146
CONTACT
Phone: (702) 367-1636
Fax: (702) 367-4008
SUNDAYS
A Time of Prayer 9:00 am (on campus) 1st Sundays (Feb-Oct)
Worship Service On-Campus & Online 10 am PST
WEDNESDAYS
Bible Study with Pastor Clinton House
Concluded for 2024 Check schedule for special services