Federal & State Foreclosure Protection Laws

Federal Laws Protecting Homeowners: New and Existing Mortgages

Federal laws protect homeowners who have mortgages.

Federal Laws That Protect Homeowners During Foreclosure

Federal laws protect homeowners when facing foreclosure.

Federal Laws That Cover Force-Placed (Lender-Placed) Insurance

Federal law restricts when and how a mortgage servicer can require you to pay for expensive insurance coverage that it buys on your behalf, called force-placed insurance.

California Foreclosure Protection: The Homeowner Bill of Rights

The California Homeowner Bill of Rights protects homeowners in foreclosure.

Special Foreclosure Protections in California

Learn what protections and rights California’s Homeowner Bill of Rights (HBOR) provide for homeowners facing foreclosure in California.

Foreclosure Protection Laws in New York

If you live in New York and you’re struggling to make your mortgage payments, state law provides you with protections that could help you avoid a foreclosure.

Save Your New York Home From Foreclosure: The Homeowner Protection Program

New York’s Homeowner Protection Program (HOPP) provides housing counseling services and other foreclosure relief to homeowners.

Foreclosure Protections in New York for Reverse Mortgage Borrowers

New York law requires the bank to send a 90-day notice to reverse mortgage borrowers before starting a foreclosure, as well as offer the opportunity to participate in a settlement conference.

Special Foreclosure Protections in Colorado, Minnesota, and Nevada

Colorado, Minnesota, and Nevada have laws that provide certain protections to homeowners in foreclosure.