Contact the servicer
New York DFS advises homeowners to communicate with the lender or mortgage servicer, respond to requests and keep records of every conversation and document.
Ask about available programs
Depending on the circumstances, the servicer or a qualified housing counselor may discuss loss-mitigation possibilities. Eligibility and results vary.
Use trusted help
Free or low-cost nonprofit housing counseling and legal services may be available. Be cautious of anyone promising guaranteed results or demanding improper advance payments.
Information to gather
- Mortgage statements
- Hardship and income information
- Letters from the servicer
- Payment history
- Any pre-foreclosure or court notice
Important: Foreclosure Case Review provides general information and reviews available public records. It is not a law firm and does not provide legal advice. A request does not create an attorney-client relationship, file a court response or pause any deadline. For an urgent deadline, auction or court appearance, contact a New York-licensed attorney promptly.
Official information: New York DFS help for homeowners.