New York Foreclosure Law Center

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Foreclosures in New York are judicial, which means the lender must file a foreclosure lawsuit against you in court. If the judge grants the foreclosure, you may be on the hook for the deficiency (the difference between the sale proceeds and the remaining balance on your loan) in certain circumstances. If you are facing foreclosure in New York, below you can learn about key features of foreclosure law in New York and find out if you might be liable for a deficiency.

Foreclosure Laws in New York

Summary of New York's Foreclosure Laws
Learn about the key features of Texas foreclosure law.
Deficiency Judgments After Foreclosure in New York
In most cases, New York lenders can seek a deficiency judgment against a homeowner after foreclosure.
NY Foreclosure Laws and Procedures
Read about the steps in a New York foreclosure, including the mortgage lender’s obligations and the homeowner’s rights.
Foreclosure Defenses: New York's Produce the Note Law
New York's new foreclosure law aims to make the process more fair for homeowners and to reduce the delay in processing foreclosures.
New York Timeshare Foreclosure and Right to Cancel Laws
Learn about New York timeshare foreclosure laws, right to cancel laws, and other timeshare contract laws.

Help for Homeowners Facing Foreclosure in New York

Foreclosure Help for New Jersey and New York Homeowners After Hurricane Sandy
Find out if you qualify for foreclosure relief in New Jersey or New York after Hurricane Sandy.
New York Foreclosure Settlement Conferences
If you are facing foreclosure in New York, you may participate in a settlement conference with your lender to explore nonforeclosure options.