New York Foreclosure Law Center
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 might 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're facing foreclosure in New York, below you can learn about key features of foreclosure law in the state and find out if you might be liable for a deficiency.
Foreclosure Laws in New York
Foreclosure Laws in New York
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Summary of New York's Foreclosure Laws
Learn the key features of New York's foreclosure laws.
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Reverse Mortgage Laws In New York
New York law regulates lenders’ activities after borrowers default on FHA-insured reverse mortgages.
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Deficiency Judgments After Foreclosure in New York
Can your lender get a deficiency judgment against you after a foreclosure in New York?
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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.
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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.
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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.
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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.
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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.
Help for Homeowners Facing Foreclosure in New York
Help for Homeowners Facing Foreclosure in New York
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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.
Common Questions About New York Foreclosure
Common Questions About New York Foreclosure
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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.
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