Stop foreclosure in New York.

How foreclosure works in New York

• New York requires a 90-day notice before filing and mandatory settlement conferences for homeowners
• Courts scrutinize standing and paperwork — defenses have real teeth here
• Timelines are among the longest in the nation

Redemption & second chances

Cure until judgment of foreclosure and sale; no post-sale redemption.

What this means for you

New York's mandatory settlement conference is the single best negotiating table in American foreclosure law — the servicer must appear and negotiate in good faith under a judge's eye. Homeowners who bring a complete, professional workout package to that table win modifications at remarkable rates. That's the package we build.

Your options in New York

Every tool in the national playbook works in New York — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short