NV covered service provider bonds.
0.6% of the bond amount.
Nevada licenses covered service providers, foreclosure consultants, and loan modification consultants under NRS 645F.300 et seq., and an independent licensee must deposit a corporate surety bond payable to the State of Nevada with the Commissioner of Mortgage Lending — $75,000, or $100,000 where the licensee maintains client accounts above the regulation's threshold. The premium is 0.6% of the bond amount, $100 minimum, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
Trusted by industry leaders
Three steps. One sitting.
The covered service provider bond is amount-based, so there is no quote round-trip. Here is the entire process:
Apply online
Business details, the bond amount on your Division of Mortgage Lending checklist, an effective date, and a term. Any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
Your exact premium — 0.6% of the bond amount, $100 minimum — is shown before you pay, and the executed bond and power of attorney generate the moment you pay.
Deposit it with the Commissioner
Your executed bond arrives by email, ready to deposit with the Commissioner of Mortgage Lending alongside your license application. Wet-ink original mailed on request.
What it is and who needs it.
What the covered service provider bond guarantees
Nevada brought foreclosure consultants, loan modification consultants, and covered service providers under licensure in NRS Chapter 645F after the foreclosure crisis. The Division of Mortgage Lending licenses them, and its regulations require an independent licensee to deposit a corporate surety bond payable to the State of Nevada with the Commissioner before doing business.
The bond amount is set by regulation rather than by underwriting: $75,000 for a standard independent licensee, rising to $100,000 where the licensee maintains client accounts above the regulatory threshold. The bond names the licensee and the persons the regulation requires as principals.
It backs your compliance with the Chapter 645F conduct rules — the advance-fee prohibitions, written-contract requirements, and disclosure duties that protect distressed homeowners. It is not insurance for you: if the surety pays a claim, you repay the surety. We track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, the bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Nevada bonds.
Finish your Nevada 645F license today.
0.6% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.