Foreclosure Prevention and Resources
- HomeSave is a fair lending initiative that helps homeowners prevent and solve problems with delinquent or costly mortgages. Thanks to our many HomeSave partners, we offer homeowners in the Capital District a wide range of resources, including:
- Foreclosure prevention counseling is available all over the Capital District. To get prepared for your first appointment:
- Independent Foreclosure Review - Our regional partners can help you determine if you qualify for an Independent Foreclosure Review . If you were in foreclosure in 2009 and 2010 and believe you suffered financial injury, you may be eligible for compensation or other remedy. Visit www.IndependentForeclosureReview.com. To see the Request for Review forms and instructions on how to complete them, click here. If you believe you are eligible, call 1-888-952-9105 to receive a form with a bar code unique to you. AHP staff is available to help you with the process.
- Legal assistance: If you have received a summons and complaint from the lender’s attorney contact:
Legal Aid of NNY - (518) 462-6765
The Legal Project - (518) 435-1770
Learn about The Office of the Attorney General's Homeowner Protection Program legal services and counseling.
- FHA - Borrowers may have special options to avoid foreclosure. AHP staff can help you pursue options detailed in HUD's booklet "How to Avoid Foreclosure."
- Workshops - We can help you learn how to hire a contractor, keep your home, and avoid predatory loans. Offered by CXHE members and counseling program partners throughout the region. Check our homepage to see the CXHE network's workshop schedule.
- Education and Assistance - Public policy education and technical assistance in partnership with the Empire Justice Center.
- Foreclosure Links - Important links with valuable information:
- Glossary of foreclosure terms (PDF) from our friends at the New Economy Project.
- Find a New York-based Housing Advisor for help with foreclosure and more.
- Saving Your Home from Foreclosure audio/video from the NYSBA People's Law School offers tips for homeowners.
- "Hope Now" telephone counseling at (888) 995-HOPE or www.hopenow.com
- NYS Department of Financial Services.
- Learn more about the dangers of predatory lending:
- Having trouble getting information from your loan servicer? Try a "RESPA Qualified Written Request" Click here for a sample.
Photo by Chris Dlugosz