reglab/housing_qa huggingface dataset:
NV Rev Stat § 106.295 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.295 - Request by mortgagor for certified copy of note, mortgage and assignments.

  1. A mortgagor may submit a written request to the servicer of the mortgage for a certified copy of the note, the mortgage and all assignments of the note and mortgage if:  (a) The real property subject to the mortgage is a single-family dwelling;  (b) The mortgagor is the owner of record of the real property;  (c) The mortgagor currently occupies the real property as his or her principal residence; and  (d) The servicer or mortgagee is a banking or financial institution or any other business entity that is licensed, registered or otherwise authorized to do business in this State.  2. Not more than 10 days after receipt of a written request pursuant to subsection 1, the servicer of the mortgage shall provide to the mortgagor the identity, address and any other contact information of the current owner or assignee of the note and mortgage.  3. If the servicer of the mortgage does not provide a certified copy of each document requested pursuant to subsection 1 within 30 days after receipt of the request, or if the documents provided by the servicer indicate that the mortgagee does not have a recorded interest in or lien on the real property which is subject to the mortgage:  (a) The mortgagor may report the servicer and the mortgagee to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry, whichever is appropriate; and  (b) The appropriate division may take whatever actions it deems necessary and proper, including, without limitation, enforcing any applicable laws or regulations or adopting any additional regulations.  4. As used in this section, "banking or financial institution" means any bank, savings and loan association, savings bank, thrift company, credit union or other financial institution that is licensed, registered or otherwise authorized to do business in this State.  (Added to NRS by 2013, 2773)
NV Rev Stat § 106.300 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.300 - Definitions.

As used in NRS 106.300 to 106.400, inclusive, unless the context otherwise requires, the words and terms defined in NRS 106.310 to 106.345, inclusive, have the meanings ascribed to them in those sections.  (Added to NRS by 1985, 725; A 1989, 492)
NV Rev Stat § 106.310 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.310 - "Borrower" defined.

Borrower means a mortgagor, grantor of a deed of trust or other debtor.  (Added to NRS by 1985, 725)
NV Rev Stat § 106.320 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.320 - "Future advance" defined.

Future advance means a loan of money to a borrower pursuant to an agreement but made after the agreement is executed.  (Added to NRS by 1985, 725)
NV Rev Stat § 106.330 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.330 - "Instrument" defined.

Instrument means a mortgage, deed of trust or other instrument encumbering real property as security for the repayment of a debt.  (Added to NRS by 1985, 725)
NV Rev Stat § 106.340 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.340 - "Lender" defined.

Lender means a mortgagee, beneficiary of a deed of trust or other creditor holding an instrument.  (Added to NRS by 1985, 725)
NV Rev Stat § 106.345 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.345 - "Principal" defined.

Principal means the money a lender advances to a borrower as a loan which, separately or together with other advances, is intended to be evidenced by the face amount of a note, bond or other similar document. The term does not include any interest, advances made to protect security or advances which would not have been made if the borrower and all other parties to the agreement relating to the loan or future advances had complied with its terms even if the obligations contained in the agreement were secured by an instrument.  (Added to NRS by 1989, 492)
NV Rev Stat § 106.350 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.350 - Applicability.

The provisions of NRS 106.300 to 106.400, inclusive, apply only to an instrument or supplement or amendment to an instrument that states clearly that it is to be governed by those provisions.  (Added to NRS by 1985, 726; A 1989, 492)
NV Rev Stat § 106.360 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.360 - Execution, enforceability, contents and amendment of instrument.

  1. A borrower may execute an instrument encumbering the borrower’s real property to secure future advances from a lender within a mutually agreed maximum amount of principal. The instrument or an amendment to the instrument is enforceable only if the instrument or the amendment is recorded in the office of the county recorder of the county in which the real property is located and the party seeking to enforce the instrument or the amendment is an original party to the instrument or amendment or the current assignee of record.  2. The instrument must state clearly:  (a) That it secures future advances; and  (b) The maximum amount of principal to be secured.  3. The maximum amount of advances of principal to be secured by the instrument may increase or decrease from time to time by amendment of the instrument.  (Added to NRS by 1985, 725; A 1989, 492; 2011, 328, 1748)
NV Rev Stat § 106.370 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.370 - Priority of lien.

  1. The priority of a lien for future advances dates from the time that the instrument is recorded in the office of the county recorder of the county in which the property is located, whether or not the:  (a) Future advances are obligatory or at the option of the lender; or  (b) Lender has notice of an intervening lien.  2. If an amendment to an instrument is recorded which increases the maximum amount of indebtedness secured by the instrument, the priority of any lien for future advances of principal thereafter which exceed the maximum amount of principal of the original indebtedness dates from the time the amendment is recorded in the office of the county recorder of the county in which the property is located.  (Added to NRS by 1985, 725; A 1989, 493)
NV Rev Stat § 106.380 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.380 - Notice of election to terminate operation of instrument; recording of statement by lender or borrower; change of notice address by lender.

  1. A borrower may at any time personally deliver or send by certified mail, return receipt requested, written notice to the lender stating that the borrower elects to terminate the operation of an instrument as security for future advances of principal made after the lender receives the notice. The notice:  (a) Must be delivered or sent to the lender at each address provided for the lender in the instrument or, if applicable, at each address provided for the lender in a document which is effective pursuant to subsection 5; and  (b) Does not become effective until it is received by the lender.  2. Within 4 business days after receiving the notice, the lender must record in the office of the county recorder in which the instrument was recorded a statement that:  (a) Expressly refers to the instrument by:  (1) The date on which the instrument was recorded in the office of the county recorder; and  (2) The book, page and document number, as applicable, of the instrument as recorded;  (b) Contains the legal description of the encumbered real property;  (c) Affirms that the notice given pursuant to subsection 1 was received by the lender, and identifies the date of that receipt; and  (d) Separately sets forth:  (1) The amount of principal owed that is secured by the instrument; and  (2) The outstanding interest accrued on the principal described in subparagraph (1) as of the date the statement of the lender is recorded.  3. If the lender does not record the statement required by subsection 2 within the period set forth in subsection 2, the borrower may record a similar statement. The borrower’s statement has the same effect as the lender’s statement would have had if the lender had recorded the statement required by subsection 2.  4. If a lender wishes to receive notices pursuant to this section at an address other than the address for the lender provided in the instrument, if any, the lender must:  (a) Record, in the office of the county recorder in which the instrument was recorded, a document entitled "Change of Notice Address" that includes, without limitation, the address at which the lender wishes to receive notices pursuant to this section; and  (b) Personally deliver or send by certified mail, return receipt requested, a copy of the document to the borrower at each address provided for the borrower in the instrument, if any.  5. A document recorded pursuant to subsection 4 does not become effective until it is received by the borrower.  (Added to NRS by 1985, 726; A 1989, 493; 2009, 1670)
NV Rev Stat § 106.390 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.390 - Effect of notice of termination.

Receipt of notice of termination by the lender does not affect the priority of any lien for any future advances previously made, obligations previously incurred or interest accrued thereon.  (Added to NRS by 1985, 726)
NV Rev Stat § 106.400 (2021)
2021 Nevada Revised Statutes|Chapter 106 - Real Mortgages|NRS 106.400 - Advances made after notice of termination.

Future advances of principal made to a borrower after the receipt of the notice of termination by the lender are not secured by the instrument. The principal amount of indebtedness secured by the instrument is limited to the amount stated by the lender in the lender’s recorded statement.  (Added to NRS by 1985, 726; A 1989, 493)
NV Rev Stat § 107.015 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.015 - Definitions.

As used in this chapter:  1. "Association" and "unit-owners’ association" have the meanings ascribed to them in NRS 116.011.  2. "Beneficiary" means the beneficiary of the deed of trust or the successor in interest of the beneficiary or any person designated or authorized to act on behalf of the beneficiary or its successor in interest.  3. "Cooperative" has the meaning ascribed to it in NRS 116.031.  4. "Facsimile machine" means a device which receives and copies a reproduction or facsimile of a document or photograph which is transmitted electronically or telephonically by telecommunications lines.  5. "Noncommercial lender" means a lender which makes a loan secured by a deed of trust on owner-occupied housing and which is not a bank, financial institution or other entity regulated pursuant to title 55 of NRS.  6. "Owner-occupied housing" means housing that is occupied by an owner as the owner’s primary residence. The term does not include vacant land or any time share or other property regulated under chapter 119A of NRS.  7. "Person with an interest" means any person who has or claims any right, title or interest in, or lien or charge upon, the real property described in a deed of trust, as evidenced by any document or instrument recorded in the office of the county recorder of the county in which any part of the real property is situated.  8. "Proprietary lease" has the meaning ascribed to it in NRS 116.077.  9. "Residential foreclosure" means the sale of a single-family residence under a power of sale granted by NRS 107.0805.  10. "Sale in lieu of a foreclosure sale" has the meaning ascribed to it in NRS 40.429.  11. "Single-family residence" means a structure that is comprised of not more than four units. The term does not include vacant land or any time share or other property regulated under chapter 119A of NRS.  12. "Surety" means a corporation authorized to transact surety business in this State pursuant to NRS 679A.030 that:  (a) Is included in the United States Department of the Treasury’s Listing of Approved Sureties; and  (b) Issues a surety bond pursuant to this section that does not exceed the underwriting limitations established for that surety by the United States Department of the Treasury.  13. "Surety bond" means a bond issued by a surety for the reconveyance of a deed of trust pursuant to this section.  14. "Title insurer" has the meaning ascribed to it in NRS 692A.070.  15. "Trustee" means the trustee of record.  16. "Unit" has the meaning ascribed to it in NRS 116.093.  (Added to NRS by 1995, 1518; A 2019, 1344)
NV Rev Stat § 107.020 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.020 - Transfers in trust of real property to secure obligations.

Transfers in trust of any estate in real property may be made after March 29, 1927, to secure the performance of an obligation or the payment of any debt.  [Part 1:173:1927; A 1949, 70; 1943 NCL § 7710]
NV Rev Stat § 107.025 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.025 - Estate for years: Encumbrance by deed of trust; foreclosure by exercise of power of sale.

A deed of trust may encumber an estate for years however created, including a proprietary lease in a cooperative, unless prohibited by the instrument creating the estate, and foreclosure may be had by the exercise of a power of sale in accordance with the provisions of this chapter.  (Added to NRS by 1967, 954; A 1979, 708; 1989, 506; 2019, 1344)
NV Rev Stat § 107.026 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.026 - Priority of certain deeds of trust over other liens.

Except as otherwise provided in NRS 104.9335, a deed of trust given to secure a loan made to purchase the real property on which the deed of trust is given has priority over all other liens created against the purchaser before the purchaser acquires title to the real property.  (Added to NRS by 1995, 1522; A 1999, 387)
NV Rev Stat § 107.027 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.027 - Lease of unit of cooperative: Ownership interest and votes in cooperative association appurtenant to proprietary lease; encumbrances.

  1. The ownership interest and votes in the cooperative association entitling the unit’s owner to lease a unit in a cooperative are appurtenant to the proprietary lease. Any security interest in or lien on the proprietary lease encumbers the ownership interest and votes in the cooperative association whether or not the instrument creating the interest or lien expressly includes such interests and votes.  2. No security interest in or lien on the ownership interest or votes in a cooperative association is effective unless the instrument which purports to create the interest or lien encumbers the proprietary lease to which the ownership interest and votes pertain.  (Added to NRS by 1979, 708; A 2019, 1345)
NV Rev Stat § 107.029 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.029 - Trustees: Declaration of nonmonetary status; objection to declaration.

  1. If the trustee under a deed of trust is named in an action in which the deed of trust is the subject and the trustee has a reasonable belief that he or she has been named in the action solely in his or her capacity as trustee and not as a result of any wrongful act or omission made in the performance of his or her duties as trustee, the trustee may, at any time, file a declaration of nonmonetary status. The declaration must be served on the parties in the manner prescribed by Rule 5 of the Nevada Rules of Civil Procedure and must include:  (a) The status of the trustee as trustee under the deed of trust; and  (b) The basis for the trustee’s reasonable belief that he or she has been named as a defendant in the action solely in his or her capacity as trustee and not as a result of any wrongful act or omission made in the performance of his or her duties as trustee.  2. Upon the filing of a declaration of nonmonetary status pursuant to subsection 1, the time in which the trustee is required to file an answer or any other responsive pleading is tolled until notice is given of an order granting an objection to the declaration of nonmonetary status, from which date the trustee has 30 days to file an answer or any other responsive pleading to the complaint.  3. Any party that has appeared in an action described in subsection 1 has 15 days after the date of service of the declaration of nonmonetary status to file an objection. Any objection filed pursuant to this subsection must set forth the factual basis on which the objection is based and must be served on the trustee.  4. If a timely objection is made pursuant to subsection 3, the court shall promptly examine the declaration of nonmonetary status and the objection and shall issue an order as to the validity of the objection. If the court determines the objection is valid, the trustee is required to participate in the action.  5. If no objection is raised within the 15-day period pursuant to subsection 3 or if the court determines the objection is invalid, the trustee is not required to participate any further in the action and is not subject to any money damages or attorney’s fees or costs, except that the trustee is required to respond to any discovery request as a nonparty participant and is bound by any court order relating to the deed of trust.  6. If, at any time during the proceedings under this section, the parties to the action acquire newly discovered evidence indicating the trustee should be made a participant in the action as a result of the trustee’s performance of his or her duties as trustee, the parties may file a motion to amend the pleadings pursuant to Rule 15 of the Nevada Rules of Civil Procedure.  7. For the purposes of this section, "trustee" includes any agent or employee of the trustee who performs some or all the duties of a trustee under this chapter and includes substitute trustees and agents of the beneficiary or trustee.  (Added to NRS by 2015, 1612)
NV Rev Stat § 107.040 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.040 - Adoption of covenants by reference in instrument.

  1. In order to adopt by reference any of the covenants, agreements, obligations, rights and remedies in NRS 107.030, it shall only be necessary to state in the deed of trust the following: "The following covenants, Nos. ................, ................ and ................ (inserting the respective numbers) of NRS 107.030 are hereby adopted and made a part of this deed of trust."  2. A deed of trust, in order to fix the amount of insurance to be carried, need not reincorporate the provisions of Covenant No. 2 of NRS 107.030, but may merely state the following: "Covenant No. 2," and set out thereafter the amount of insurance to be carried or, if no amount is set out, the amount must be the full replacement value of the buildings and improvements which are now or shall hereafter be erected upon the premises.  3. In order to fix the rate of interest under Covenant No. 4 of NRS 107.030, it shall only be necessary to state in such deed of trust the following: "Covenant No. 4," and set out thereafter the rate of interest to be charged thereunder or, if no rate of interest is set out, the rate of interest must be at the highest applicable rate set forth in the note secured by such deed of trust.  4. In order to fix the amount or percent of counsel fees under Covenant No. 7 of NRS 107.030, it shall only be necessary to state in such deed of trust, the following: "Covenant No. 7," and set out thereafter the percentage to be allowed or, if no percentage is set out, the amount to be allowed must be reasonable counsel fees and costs actually incurred.  [3:173:1927; NCL § 7712] + [4:173:1927; NCL § 7713] — (NRS A 2013, 1015; 2019, 1347)
NV Rev Stat § 107.050 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.050 - Parties may enter into different or additional covenants.

Nothing in NRS 107.030 and 107.040 shall prevent the parties to any deed of trust from entering into other, different or additional covenants or agreements than those set out in NRS 107.030.  [5:173:1927; NCL § 7714] — (NRS A 2019, 1348)
NV Rev Stat § 107.055 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.055 - Amount must be stated in instrument.

If a party to a deed of trust, executed after July 1, 1971, desires to charge an assumption fee for a change in parties, the amount of such charge must be clearly set forth in the deed of trust at the time of execution. Without limiting or prohibiting any other method by which the amount of the charge may be clearly set forth in the deed of trust, the charge may be set forth as:  1. A fixed sum;  2. A percentage of the amount secured by the deed of trust and remaining unpaid at the time of assumption; or  3. The lesser of, the greater of or some combination of the amounts determined by subsections 1 and 2.  (Added to NRS by 1971, 314; A 2013, 1015)
NV Rev Stat § 107.070 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.070 - Recording of assignments of beneficial interests and instruments subordinating or waiving priority of deeds of trust.

The provisions of NRS 106.210 and 106.220 apply to deeds of trust as therein specified.  [Part 1:120:1935; 1931 NCL § 2122.31] — (NRS A 1965, 926)
NV Rev Stat § 107.071 (2021)
2021 Nevada Revised Statutes|Chapter 107 - Deeds of Trust|NRS 107.071 - Request by grantor of deed of trust for certified copy of note, deed of trust and assignments.

  1. A grantor of a deed of trust may submit a written request to the servicer of the deed of trust for a certified copy of the note, the deed of trust and all assignments of the note and deed of trust if:  (a) The real property subject to the deed of trust is a single-family dwelling;  (b) The grantor is the owner of record of the real property;  (c) The grantor currently occupies the real property as his or her principal residence; and  (d) The servicer or beneficiary of the deed of trust is a banking or financial institution or any other business entity that is licensed, registered or otherwise authorized to do business in this State.  2. Not more than 10 days after receipt of a written request pursuant to subsection 1, the servicer of the deed of trust shall provide to the grantor the identity, address and any other contact information of the current owner or assignee of the note and deed of trust.  3. If the servicer of the deed of trust does not provide a certified copy of each document requested pursuant to subsection 1 within 30 days after receipt of the request, or if the documents provided by the servicer indicate that the beneficiary of the deed of trust does not have a recorded interest in or lien on the real property which is subject to the deed of trust:  (a) The grantor of the deed of trust may report the servicer and the beneficiary of the deed of trust to the Division of Mortgage Lending or the Division of Financial Institutions of the Department of Business and Industry, whichever is appropriate; and  (b) The appropriate division may take whatever actions it deems necessary and proper, including, without limitation, enforcing any applicable laws or regulations or adopting any additional regulations.  4. As used in this section, "banking or financial institution" has the meaning ascribed to it in NRS 106.295.  (Added to NRS by 2013, 2774)