Are you late on payments?

If you are at risk of missing mortgage payments or are already in foreclosure, give us a call to see how our Homeowner Hub can help connect you with free, professional help around New York State.

Take Control Of Your Home Finances Tip #1

Homeowners' Insurance: Be sure to maintain adequate homeowner insurance. If you don't, the lender can add expensive force-placed insurance and increase your monthly payments.

Take Control Of Your Home Finances Tip #2

Property Taxes: Apply for property tax exemptions if you're disabled, a senior, or a veteran. A housing counselor can help you through the application if needed, call us at 1-855-HOME-456 for a free referral.

Take Control Of Your Home Finances Tip #3

Utility Bills: Even if you cannot afford your mortgage, it's important to pay your utilities, including water, gas, and electricity. If you miss payments, a lien could be placed against your property until the debt is paid. Instead of missing payments, find ways to save, or ask your utilities providers about level payment plans.

Take Control Of Your Home Finances Tip #4

Repairs: Keep up with home maintenance and repairs in order to maintain your property value. Maintenance issues — like burst pipes, sewer backups, mold, and termites — can be expensive, especially if left unaddressed for a long time. When you are having trouble meeting mortgage payments, choose your repairs thoughtfully; a housing counselor can help decide which repairs to make and review available repair programs with you.

Take Control Of Your Home Finances Tip #5

Energy Efficiency: Small steps can help you save money. Turn off and unplug electronics when not in use, use a programmable thermostat to match your schedule, and replace bulbs with LED and CFL bulbs. For larger renovations, check to see if you qualify for an energy assistance program at

Are you facing foreclosure?

Facing foreclosure can be overwhelming, but you're not alone. We're here to answer questions, listen, and help you to explore your options.

Protect yourself and your home

Most people in foreclosure are inundated by mailings or see signs on street corners offering quick fixes and guarantees -- many for a price. Don't fall for these scams! Guarantees and up-front fees are all illegal methods that fraudsters use.