Protect up to $605,000 of your home equity — recorded for you.
Nevada gives homeowners some of the strongest creditor protection in the country, but it is not automatic. You have to record a Declaration of Homestead with your county before a claim arrives. Once recorded, up to $605,000 of the equity in your primary residence is shielded from general creditors — medical bills, credit cards, business loans, accident judgments and bankruptcy. TruPoint prepares it for $150, with electronic recording available for $50.
What it costs
- Homestead Declaration prepared — $150
- Electronic recording of a document we prepare — $50
- Homestead exemption filing, if you want it — $25
- Notarization — $15 per signature
- County recording fee, at cost — varies by county
- Retrieve your deed for the legal description — $30
What a homestead declaration does, and what it will not do.
A Nevada Declaration of Homestead is a one-page document recorded with your county recorder that protects the equity in your primary residence from forced sale by general creditors. Under NRS 115.010 the protection currently reaches $605,000 of equity. It covers a house, a condominium, a townhouse, a manufactured home or a mobile home, and it applies whether or not you are in financial trouble — but only if it is recorded before the claim arrives. TruPoint handles it from start to finish for $150 — drafted, checked against your county’s requirements and submitted — with electronic recording $50, notarization $15 per signature, and the county’s own recording fee, which varies by county, at cost.
Equity is the part you actually own. Take the fair market value of the home and subtract the liens the exemption does not cover — principally the mortgage. A $700,000 Las Vegas house with a $450,000 mortgage carries $250,000 of equity, comfortably inside the protected band. Most Nevada homeowners are.
It is not a tax break. A homestead declaration does not reduce your property tax bill and it is a separate thing from the 3% tax cap. People confuse the two constantly, and filing one does not give you the other.
What it stops, and what it does not.
This is the part most pages skip. A homestead is powerful against one category of creditor and useless against several others, and you should know which before you record it.
It also applies only to a home you actually live in. Rental and investment property cannot be homesteaded — for those, separating the property into an entity is the usual route instead.
Worth doing before you think you need it.
There is no deadline, but the protection has to be on record before a creditor moves. The people who wish they had filed one are always the people who waited.
You just bought a home
The single best moment to record one. You have the deed, the parcel number and the legal description already in front of you.
You are self-employed or run a business
Business debts, personal guarantees and supplier claims all reach your personal assets. This puts a wall around the house.
You work in a field that gets sued
Contractors, drivers, medical and hospitality work all carry accident exposure that a policy limit may not fully cover.
You are facing medical bills
Medical debt is the most common reason Nevadans lose equity. Record it before the account goes to collection, not after.
Your home is in a living trust
Nevada still allows a homestead where the residence is held in a trust. Being in a trust does not remove the protection.
You have paid the mortgage down
The more equity you have built, the more there is to lose. Protection matters most to the people who owe least.
From your first message to a recorded homestead.
Your county recorder will hand you a blank form, but both the Clark County and Washoe County offices state plainly that they are not permitted to help you complete it. That is the gap we fill.
$150, start to finish. Government charges at cost.
Nevada homestead, answered plainly.
It is a one-page document recorded with your county recorder that protects the equity in your primary residence from forced sale by general creditors. Under NRS 115.010 the protection currently reaches $605,000 of equity. TruPoint prepares it for $150, with electronic recording $50, notarization $15 per signature, and the county recording fee separate.
Up to $605,000 of equity in a primary residence. Equity means the fair market value less the liens the exemption does not cover, principally your mortgage. A $700,000 home with a $450,000 mortgage carries $250,000 of equity, comfortably inside the protected amount.
TruPoint charges $150 for the preparation — drafting it, formatting it to your county’s requirements and submitting it. Electronic recording is $50, notarization is $15 per signature, and the homestead exemption filing is $25 if you want it. The county charges its own recording fee, which varies by county.
No, and this is the most common misunderstanding. A homestead declaration is creditor protection, not a tax reduction. It is a separate thing from the 3% property tax cap, and filing one does not give you the other.
Your mortgage or deed of trust, property taxes, mechanic’s liens for work done on the home, HOA assessments and association actions, child and spousal support, and money owed for Medicaid benefits. It protects against general creditors such as medical bills, credit cards, business loans and accident judgments.
No. The homestead exemption applies only to a dwelling you actually live in as your principal residence. For a rental or investment property, owners usually separate the liability by deeding it into an LLC or corporation instead, which we prepare for $300.
Yes. Nevada allows the homestead protection where the residence is held in a living trust, so putting your home into a trust does not cost you the exemption. You still need to record the declaration for the protection to exist.
No. Nevada requires you to record a Declaration of Homestead with the county recorder where the property sits. Until it is recorded there is no homestead protection, no matter how long you have lived there.
There is no deadline, but the protection has to be on record before a creditor moves against the property. The best time is when you buy the home, while the deed and legal description are in front of you. Recording one after a judgment has already attached is usually too late.
You can. Both the Clark County and Washoe County offices publish a form, and both state plainly that they are not permitted to help you complete it. The declaration needs your name exactly as it appears on title, the assessor’s parcel number and the full legal description, and it must fit inside the recorder’s margin and ink requirements or it comes back.
Yes. You must sign in the physical presence of a notary — a form you signed beforehand cannot be notarized and will be rejected by the recorder. You can sign with any notary you choose, or, in Clark County, with our Las Vegas partner notary by appointment.
The property address and your name as it appears on title. We pull the parcel number and legal description from the county record ourselves, so you do not need to dig out the deed. If you want the vesting checked first, we retrieve the recorded deed for $30.
No. The mortgage or deed of trust you took out to buy the home is excepted from the exemption, so a homestead does not prevent your lender foreclosing for non-payment. It protects against general creditors, not the loan secured on the property itself.
Yes. Nevada’s homestead protection covers a house, a condominium, a townhouse, a manufactured home or a mobile home, provided it is your primary residence.
Record it anyway. The exemption protects up to the statutory amount and the excess above it is potentially reachable by creditors, so a homestead still shields the great majority of your equity. Where equity is well above the cap, that is a conversation worth having with an attorney about wider planning.
Yes. We prepare and submit in all 17 Nevada recording jurisdictions, from Clark and Washoe to Esmeralda and Eureka. The declaration records in the county where the property sits, whatever county you live in.
Yes. Quinnie Do is a native English and Vietnamese speaker and handles the entire matter in either language.
Protecting the home is usually one of several steps.
Living trust
Keeps the home out of probate, and you can still homestead a residence held in trust. From $695.
Rental in an LLC
A rental cannot be homesteaded. Separating it into an entity is the usual route. $300.
All 17 Nevada counties
Recording fees and transfer tax rates for every jurisdiction we file in.
The cheapest protection your home equity will ever get.
Send us the property address and your name as it appears on title. We pull the parcel number and legal description, prepare the declaration to your county’s format, provide signing instructions and submit it. $150 for the preparation, plus recording, in any of Nevada’s 17 counties, in English or Vietnamese.