Are there any government programs available to help me prevent foreclosure?

Yes, there are government programs available to help homeowners prevent foreclosure in New York State. The New York State Homeowner Protection Program (HOPP) is a free program funded by the U.S. Department of Housing and Urban Development (HUD) that helps homeowners who are delinquent on their mortgage payments by offering foreclosure prevention counseling and legal assistance. HOPP is designed to encourage lenders to work with homeowners to develop an affordable payment plan that will help homeowners catch up on their mortgage loan payments. The program also provides assistance with loan modifications, refinancing, and other strategies to restore long-term stability to the homeowner’s financial situation. In addition to HOPP, eligible homeowners may also be able to access foreclosure defense law services. This is a type of legal help that can be obtained to assist with the review of loan terms and negotiate with lenders for more favorable loan documents, foreclosure avoidance, and other services to protect homeowners from foreclosure. Some of the agencies that provide these services are HUD-approved housing counselors, legal aid organizations, state bar associations, and private attorneys who specialize in foreclosure defense law. Homeowners should also contact their local government agencies to find out if there are any available foreclosure prevention programs in their area.

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Are there any government programs available to help me prevent foreclosure?

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