Foreclosure Prevention Loan Modification/Refinancing Programs

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    Taxonomy Code: BH-3500.3400-300

    Programs available through the federal government, state housing agencies or directly from financial institutions that offer fixed rate mortgages, bridge loans or other types of mortgage services primarily for homeowners who cannot afford their current loan, are at risk for default and foreclosure and have the capacity to make the new payment in a timely manner or who owe more than their property is currently worth. The loans help borrowers refinance their mortgage into a payment they can afford, modify the terms and conditions of their current loan or reinstate a delinquent loan; and may involve a reduction in principal if the lending institution is willing to write down the loan or a reduction in the balance in a second lien in some situations. Some loans may be forgiven after a designated number of years or only become due and payable if the property is sold, refinanced or no longer owner-occupied. Most of these programs are time limited and apply only to primary residences. Applicant homeowners may be required to prove economic hardship and demonstrate that they meet income and other guidelines.

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    Service NameDescriptionLocationProgramAgency
    Housing ServicesProvides services to aid in foreclosure prevention, tax foreclosure, mortgage payments, predatory lending or other related foreclosure issues.AlbanyMORTGAGE DELINQUENCY AND DEFAULT COUNSELINGNEW YORK STATE OFFICE OF THE ATTORNEY GENERAL

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