Nevada covered service provider bonds.
From $450.
Nevada licenses covered service providers, foreclosure consultants, and loan modification consultants under NRS 645F.300 et seq. An independent licensee deposits a surety bond of $75,000 or $100,000 with the Commissioner of Mortgage Lending, depending on its client accounts. The premium is 0.6% of the bond amount.
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How much does a Nevada covered service provider bond cost?
0.6% of the bond amount, from $450 at the $75,000 minimum. Enter your amount in the calculator for the exact price.
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. No credit check up to $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Pay & e-sign
Your exact premium — 0.6% of the bond amount — 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
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
Pay & e-sign. Your exact premium — 0.6% of the bond amount — is shown before you pay, and the executed bond and power of attorney generate the moment you pay.
What sets the price
The premium is 0.6% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, the bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Nevada bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your Nevada 645F license today.
0.6% of the bond amount, issued the moment you pay. Free until issued.