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Foreclosure and tax sales in Nebraska

What our research shows about Nebraska's rules. General information with sources — not legal advice, and not a reading of your papers.

BasicThe essentials, each with its source. General deadlines only.Research last reviewed 2026-09-22

Your state

How foreclosure works

Usual process: Nonjudicial (out of court)
From a reputable summary[1][2]
Allowed processes: Judicial (through court) · Nonjudicial (out of court)
From a reputable summary[1]
Main statutes: Neb. Rev. Stat. § 76-1006; Neb. Rev. Stat. § 76-1007; Neb. Rev. Stat. § 76-1008; Neb. Rev. Stat. § 76-1010; Neb. Rev. Stat. § 76-1013
From a reputable summary[1]
Typical length (estimate): Not researched yet for this state.

+At least 120 days
Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind
Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.
Checked against the official text12 CFR § 1024.41(f)(1)
+At least 30 days
Notice of default / right to cure — at least 30 days before the next step
The trustee records a notice of default, which gives one month to cure (two months for farm property) — the timeline uses 30 days.
From a reputable summary
Notice of sale — at least 35 days before the sale
After the cure month, notice of sale is published once a week for five consecutive weeks and mailed at least 20 days before the sale to anyone who requested notice (most deeds of trust include that request).
From a reputable summary
+At least 35 days
Foreclosure sale
Between 9:00 a.m. and 5:00 p.m. at the time and place in the notice.
From a reputable summary
No right to redeem after the sale
No redemption after a nonjudicial sale.
From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notice before foreclosure: At least 30 daysThe trustee records a notice of default, which gives one month to cure (two months for farm property) — the timeline uses 30 days.
Neb. Rev. Stat. § 76-1006
From a reputable summary[1]
Notice of sale: At least 35 daysAfter the cure month, notice of sale is published once a week for five consecutive weeks and mailed at least 20 days before the sale to anyone who requested notice (most deeds of trust include that request).
Neb. Rev. Stat. §§ 76-1007, 76-1008
From a reputable summary[1]
Publication: Newspaper once a week for five consecutive weeks.
From a reputable summary[1]
When sales happen: Between 9:00 a.m. and 5:00 p.m. at the time and place in the notice.
Neb. Rev. Stat. § 76-1007
From a reputable summary[1]

Catching up (reinstatement): Within one month after the notice of default is recorded (two months for farm property).
From a reputable summary[1][2]
Buying the home back (redemption): NoNo redemption after a nonjudicial sale.
Neb. Rev. Stat. § 76-1010
From a reputable summary[1][2]
Owing money after the sale (deficiency): LimitedSuit within three months of the sale, limited by fair market value.
Neb. Rev. Stat. § 76-1013
From a reputable summary[1]
Mediation: Not researched yet for this state.

Tax sale system: Tax lien certificate sale
Tax sale (on or after the first Monday of March) to the bidder taking the smallest portion; buyer gets a certificate of purchase.
From a reputable summary[3]
How it works: The treasurer publishes the list three weeks from the first week of February and online.
From a reputable summary[3]
Redeeming after a tax sale: At least three years (two for vacant/abandoned property); then until the tax deed application is received, or until the court confirms a foreclosure sale.
Neb. Rev. Stat. §§ 77-1824, 77-1837, 77-1902, 77-1917
From a reputable summary[3]
Relief programs: Not researched yet for this state.
Payment plans: Not researched yet for this state.
Surplus after a tax sale: Not researched yet for this state.

Federal exemption list: State list only (opted out)
This state has opted out: in bankruptcy you use the state exemption list (plus federal non-bankruptcy exemptions), not the federal § 522(d) list.
From a reputable summary[4]
Homestead exemption: $120,000 (head of household)$120,000 for a head of household.(Neb. Rev. Stat. § 40-101)
From a reputable summary[5]

Free legal aid (LSC-funded): Legal Aid of Nebraska
Checked against the official text[7]
Legal help website: Legal Aid of Nebraska
Checked against the official text[8]
State housing agency: Nebraska Investment Finance Authority
Checked against the official text[6]
Attorney general / consumer protection: Nebraska Attorney General — Consumer Protection
Checked against the official text[9]
Court self-help: Nebraska Judicial Branch — Self-Help
Checked against the official text[10]
HUD-approved housing counselors: HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.