Foreclosure Help
Foreclosure
If you are behind on mortgage payments or worried about losing your home, do not wait. Free help may be available.
What is foreclosure?
Foreclosure is the legal process a lender may use to take a home after missed mortgage payments.
In New York, this usually happens through the courts. The process can take time, which means you may still have a chance to get help and save your home.
What should I do right away?
If you get letters, court papers, or calls about foreclosure:
Do not ignore them
Open and keep all mail
Write down important dates
Do not sign anything you do not understand
Get trusted legal or housing counseling help right away
Warning signs
You may be at risk of foreclosure if you:
Are behind on mortgage payments
Got a letter or notice from your lender
Got court papers
Are getting calls or letters that pressure you to act fast
Can I still save my home?
You may still have options, even if you are behind on payments or already got legal papers.
Some homeowners may be able to work with a housing counselor or lawyer to:
Understand what the lender is doing
Respond to court papers
Avoid scams
Explore options to keep their home
Getting help sooner will help you avoid bigger problems.
What happens if I do nothing?
If you do nothing, the case may move forward.
That can make it harder to protect your home later. Getting help early can give you more options.
Watch out for scams
Some scammers target homeowners who are worried about foreclosure.
They may promise to:
Save your home
Lower your payments
Stop the foreclosure fast
They may tell you to sign papers, pay money, or stop talking to your own lawyer or housing counselor.
If anyone makes you feel rushed, secret, or confusing, stop and get advice first.
Get free help
Click the Get Help Now button to tell us what’s going on. We’ll connect you to the right help.
You can also call us at 646-786-0888, Monday through Friday, 9 am to 5 pm.
If you call after hours, leave a message. Someone will get back to you as soon as possible.
Our Help Desk Partners
In Partnership With
