If you’re struggling to make mortgage payments, the most important thing you can do is act early. The sooner you reach out for help, the more options you have — including loan modifications, repayment plans, and other alternatives to foreclosure. These resources offer free, confidential support.
- Consumer Credit Counseling Services of Rochester assists homeowners having difficulty making mortgage payments by connecting them with HUD-certified counselors who can explore foreclosure prevention options and advocate on their behalf. Learn more
- New York’s Homeowner Protection Program (HOPP) connects homeowners facing default or foreclosure with free housing counseling and legal services in every county of New York State. Learn more
- New York State Department of Financial Services — what may happen when you fall behind walks through the foreclosure timeline step by step, from a missed payment through settlement conference and sale, so homeowners know what to expect and when to act. Learn more
- The Housing Council at PathStone provides free and confidential foreclosure prevention counseling, including an explanation of the New York State foreclosure process, a personalized action plan, and direct communication with your lender on your behalf. Learn more
