Housing help in New York.

Understand New York’s foreclosure process

These two guides explain New York law. They do not describe the process in California or every other state.

Homeowners · Mortgage help

Call New York’s Homeowner Protection Program (HOPP) network at 855-466-3456 for connections to free housing counseling and legal assistance.

“We received these papers, and there is a date on them. Can you connect us with someone who can review them?”

New York Attorney General’s mortgage-help page →

Explain whether there is a summons, complaint, conference notice or sale date. A provider will explain what help it can offer; representation is not guaranteed.

Already received court papers?

Keep all pages and envelopes. An adult should seek legal advice promptly about the response deadline. Do not wait for a settlement conference to address a summons and complaint.

New York Courts: information for homeowners →

This website cannot calculate a deadline, decide which defenses apply or tell you how long a case will take.

Renters · If the owner faces foreclosure

A case about the owner’s mortgage is different from an eviction case against a renter. Save your lease, proof of rent payments and notices. Get advice about the actual papers, including whether you need to respond.

New York Courts: tenants in foreclosure cases →

For other local housing or support needs, find your local 211 service. Eligibility and availability vary.

School & everyday support

Show an adult this page. You can ask what is happening this week and whether school arrangements will change. You do not have to negotiate with a lender, pay the mortgage or manage a court case.

Somewhere to stay

If your family needs housing or other local support, start with your local 211 service. Ask which resources serve your county and household. Availability and eligibility vary; a referral does not guarantee a place to stay.