Frequently Asked Questions

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I'm Having Trouble Paying My Mortgage

• Understanding New York State's Mortgage Foreclosure Process
  
• Budgeting to Weather the Storm (PDF) | Budget Excel File
• Developing a Case for Loan Modification
• Common Mortgage and Foreclosure Terms
• How To Be Your Own Advocate

I've received a foreclosure notice and/or  I've missed 3+ mortgage payments

• Frequently Asked Questions About Foreclosure in New York State
• I Received a Summons and Complaint in Foreclosure - Now What?
• Beware of Loan Modification Scams
• New York State's Mandatory Settlement Conferences
• Getting Help from Federal Programs
• Options for Leaving Your Home and Avoiding Foreclosure

My home has been foreclosed - now what?

• Rebuilding Your Credit Record
  
  
• When Does It Make Sense To Move Toward Homeownership Again?
  
  
• Helpful resources for all homeowners