Stop Foreclosure in New York: Trusted Help for Homeowners

If you have received a 90-Day Pre-Foreclosure Notice or a Summons and Complaint in New York, you are not alone, and you are not out of time. Since 1997, United Capital Mortgage Assistance (UCMA) has helped homeowners nationwide since 1997—including many across New York State—stabilize their mortgage payments and keep their homes.

New York is a “judicial foreclosure” state, meaning lenders must prove their case in court. This process can be complex, but it also gives you specific rights and timeframes to act. We provide the expert guidance you need to navigate these challenges and secure a loan modification that works for your family.

Need Immediate Help?

Call UCMA at 1-800-474-1407 for your Free No-Obligation Consultation or Click Contact UCMA and we’ll call you! Trusted by Thousands Since 1997.

Official New York State Foreclosure Resources

As part of our commitment to transparency, we encourage you to verify your rights with official state sources.

Government Agencies & Legal Aid:

• NYS Homes and Community Renewal (HCR): The official state agency providing resources for homeowners at risk of default.
• NYS Department of Financial Services (DFS): Provides a toll-free hotline and information on the “Foreclosure Relief” unit.:
• Legal Aid Society of Mid-New York: Provides free civil legal assistance to low-income residents in central New York.

Why New York Homeowners Choose UCMA

• 25+ Years of Real Experience: We aren’t a new startup. We have been resolving mortgage delinquencies for over a quarter-century. We know exactly what major lenders (like Mr. Cooper, Wells Fargo, and PHH) require for New York
• Full-Service Representation: Foreclosure defense isn’t just about filling out forms. We handle the phone calls, the document preparation, and the hardball negotiations so you can focus on your family.
• Proven Results: We continually update you on your status. You never have to guess where you stand.

Client Success: “They got in touch with my lender, played hardball and stopped my foreclosure. I am so grateful for the great people at UCMA.” — J.C. (Real Client)

FAQs: Foreclosure in New York State

Q: I received a “90-Day Notice” in the mail. What does this mean? A: Under NY law, lenders must send this notice at least 90 days before starting a foreclosure lawsuit. This is a critical warning. It is not an eviction notice. It is your window of opportunity to apply for a loan modification or repayment plan before legal fees begin to pile up.

Q: How long does foreclosure take in New York? A: Because New York is a judicial state, the process takes longer than in many other states—often 8 to 15 months or longer depending on court backlogs. However, you should not wait. The earlier you apply for assistance, the more options (like deferment or modification) are available to you.

Q: Can I stop a foreclosure auction in New York? A: Yes, it is often possible to stop a sale if you have a complete loss mitigation application submitted to your servicer at least 37 days before the sale date (under federal CFPB rules). Immediate action is required.

Helpful UCMA Resources

Apply Online for Assistance: Start your free eligibility review today.

• Read Our Client Testimonials: See how we have helped other homeowners save their properties.
• UCMA Blog: Stay updated on the latest mortgage news and foreclosure prevention tips.

Ready to Save Your Home?

Don’t navigate the New York court system alone. Let our 25+ years of experience work for you.

Call 1-800-474-1407 for a Free, No-Obligation Consultation — Click Contact UCMA to have us call you!