Mortgage & financing review
Discuss whether refinancing or a foreclosure bailout loan could be an option. Eligibility depends on equity, income, loan terms and the stage of foreclosure; new financing is not right for everyone.
Prime Options & Solutions · New York State
Facing foreclosure?
Your next step matters.
Your home is more than a mortgage. If you’re behind on payments or have received a foreclosure notice, let’s discuss potential ways to protect it and regain financial stability.
Talk about your optionsCall 347-500-7197. No guarantee of stopping a foreclosure.
Have a court date or an auction scheduled?
Contact a qualified New York attorney immediately. Calling us does not pause a foreclosure, extend a deadline or replace responding to court papers.
A path forward, not a promise
Understand your options before you give up on your home.
Missed payments, a loss of income or an unexpected expense can happen to anyone. Start with a conversation about where you are in the process, what you owe and what you can realistically afford.
Servicer workout options
Ask your mortgage servicer about loss-mitigation options such as a repayment plan, forbearance or loan modification. Availability and approval depend on your loan and circumstances.
Housing & legal support
A HUD-approved housing counselor or New York foreclosure attorney can help you understand your rights and available assistance. Free nonprofit counseling and legal resources may be available.
Start with what you know
Let’s take it one step at a time.
You don’t need every document ready to make the first call. Never send Social Security numbers or full bank account details by text or email.
Talk about your options- 01
Tell us where things stand
Have you missed payments, received a notice, been served court papers or been given a sale date? Mention any deadlines first.
- 02
Gather your mortgage details
Have your latest mortgage statement, past-due amount, notices, income information and an estimate of your property’s value available.
- 03
Review realistic next steps
Discuss potential financing and contact your servicer, a housing counselor or an attorney as appropriate. Understand costs and terms before agreeing to anything.
Questions when your home is at risk
Can you guarantee that my foreclosure will stop?
No. No company can guarantee that a foreclosure will stop or that you will qualify for a loan. Your options depend on your finances, your lender and any legal deadlines. A call or application alone does not stop the process.
Can I stay in my home during foreclosure in New York?
New York’s Department of Financial Services says homeowners have the right to stay in their home unless and until a court orders them to vacate. Do not ignore court papers. Speak with an attorney about your specific case.
What if my home has already been sold or I have moved out?
Contact a qualified New York attorney promptly. Returning to a home after a foreclosure sale or eviction is not guaranteed and depends on the facts and applicable law. Financing alone cannot restore ownership.
Is help available if my credit has been affected?
A lower credit score does not tell the whole story, but approval is never assured. Income, equity, existing debt and the timing of your case also matter. Nonprofit housing counseling can help even if new financing is unavailable.
How do I protect myself from foreclosure rescue scams?
Be wary of guaranteed results, pressure to sign over your deed or instructions to stop communicating with your lender. Review any agreement with an independent attorney or housing counselor and understand all fees before signing.
Official New York homeowner resources
Independent guidance, free counseling resources and your rights during foreclosure.
Prime Options & Solutions
Your home. Your future. A conversation today.
Explore your next step with New York foreclosure help.
Call 347-500-7197