New York State Mortgage Assistance Program

Foreclosure prevention help you can count on

The New York State Mortgage Assistance Program is a free service that makes loans up to $40,000 to eligible New York homeowners who are at risk of foreclosure and have exhausted all other sources of help.

Before applying to the program, we strongly recommend that you first contact a non-profit housing counseling or legal services organization that can assess whether you are eligible. For a referral to a government-vetted foreclosure professional in your community, contact the New York State Attorney General’s Homeownership Protection Program at 855- HOME-456. There is no charge to eligible homeowners for the program.

Eligible homeowners must have experienced a financial hardship and must demonstrate an ability to afford their housing payments after receiving assistance. Funds can be used to bring a mortgage current, help get a modification, pay off a mortgage or property tax arrears, or settle other debts that could lead to foreclosure.

The New York State Mortgage Assistance Program is administered by the Center for NYC Neighborhoods, a non-profit organization that promotes and protects affordable homeownership. Loans are made by Sustainable Neighborhoods LLC, a wholly-owned subsidiary of the Center.

For more information and to begin your application, please go to

NYS-MAP Effects

History of the Program

When Attorney General Eric Schneiderman was first elected to office in 2011, the nation was in the middle of the worst housing crisis in the history of the United States. Families across the country lost $7.4 trillion in home equity in 2008 alone. Simply put, the housing market in New York collapsed and the state lacked the resources needed to help families struggling through this crisis. When President Obama appointed Attorney General Schneiderman to co-chair the working group overseeing the historic settlements with the big banks, the primary focus became how to help families recover from this crisis. Over the past five years, the Attorney General’s working group has generated more than $5 Billion for New York State. Recognizing the extent of the housing crisis, the Attorney General has worked tirelessly to develop a series of inter-related programs that are restoring housing stability for New York families and communities.

The first program, launched in 2012, created a network of legal services providers and housing counselors — the Homeowner Protection Program (HOPP). HOPP supports 90 agencies across New York that offer high quality, no-cost representation to at-risk homeowners as they struggle to avoid foreclosure and remain in their homes. Now in its fourth year, HOPP agencies have helped more than 60,000 families across New York, and nearly a third of those families now have mortgage modifications either pending or already approved. At the same time, the Office of the Attorney General also recognized that foreclosures were not only harming individual families, but also surrounding communities. Numerous studies have shown that homeowners who were current on their mortgage, but who lived next door to a foreclosed property, also ended up losing equity and value in their homes.

In response, in 2014, the Attorney General launched a program to invest in land banks — nonprofit entities that enable communities to purchase and rehabilitate abandoned properties that are a blight on communities across our state. Already, 16 land banks in communities from Niagara Falls to Suffolk County are working to return vacant properties to productive use and help revive communities in the process.

And finally in 2014, the Office of the Attorney General launched the New York State Mortgage Assistance Program.

Since 2014, NYS-MAP has distributed loans to 654 families in need. These loans, which averaged $27,456 per family, each preserved approximately $260,000 in neighborhood property values. In total, NYS-MAP’s 654 loans preserved $153 million in neighborhood property values statewide, and helped state and local governments save millions more in tax revenues typically lost during the foreclosure process.

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