Top Tips for Homeowners Facing Foreclosure
Beware of Mortgage Scams
It is illegal for anyone to “guarantee” you a modification.
Beware of anyone who asks you to pay upfront for mortgage modification services. In New York, it is illegal for non-attorneys to charge upfront fees for mortgage modification assistance.
Do not follow the advice of someone who tells you to stop paying your mortgage and pay them instead.
Beware of any person or entity that guarantees or promises to modify your mortgage. Be especially wary of unsolicited help.
It’s Never Too Late to Seek Help
Whether you are just starting to have trouble making your mortgage payments or if you have been in foreclosure for many months, it’s time to get help—you don’t have to go through this alone!
The housing counselors and legal services providers we work with offer high-quality foreclosure prevention services—and it won’t cost you anything.
The Foreclosure Process in New York
New York is a judicial foreclosure state, which means that foreclosures happen within the court system.
The foreclosure process in New York State is very long! On average, it takes over two years to complete a foreclosure in New York so don’t give up hope, there may be other options.
Call 311 and ask for the Center for NYC Neighborhoods or dial us directly at 646-786-0888 to be connected to high-quality services at no cost to you.