New York Foreclosure Law Center

Summary of New York's Foreclosure Laws

Learn the key features of New York's foreclosure laws.

Reverse Mortgage Laws In New York

New York law regulates lenders’ activities after borrowers default on FHA-insured reverse mortgages.

Deficiency Judgments After Foreclosure in New York

Generally, a bank may seek a deficiency judgment against a homeowner after a New York foreclosure.

New York Foreclosure Laws and Procedures

Learn how a New York foreclosure works, including preforeclosure steps, foreclosure procedures, and homeowners’ rights under both state and federal laws.

New York HOA and COA Foreclosures

If you fail to pay your HOA or COA assessments in New York, the association can get a lien on your property and might foreclose on your home.

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.

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.

If I Lose My Home to Foreclosure in New York, Can I Get It Back?

In New York, you can't redeem (repurchase) your home after a foreclosure sale—but you can redeem before the sale.