How New York State Is Helping Homeowners Stay in Their Homes

In recent years, New York State has taken meaningful steps to help homeowners avoid foreclosure and remain in their homes. Through a combination of state-funded programs, legal protections, and community initiatives, the goal has been to provide financial relief and prevent unnecessary displacement.

Programs such as the Homeowner Protection Program (HOPP) offer free housing counseling and legal services to residents facing foreclosure. Additionally, New York has strengthened homeowner rights through enhanced foreclosure prevention laws, ensuring that lenders follow proper procedures and that borrowers have adequate time to explore options such as loan modifications or repayment agreements.

New York courts have also encouraged mediation between homeowners and lenders, allowing both parties to reach fair and sustainable solutions before foreclosure proceedings move forward.



At Fine Law, we work closely with homeowners to access these programs, represent them during foreclosure mediation, and ensure their rights are protected at every stage. If you’re a New York homeowner worried about losing your home, we can help you take advantage of available resources and legal protections to stay on track.