Mortgage Delinquency and Default Counseling

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    Taxonomy Code: DM-1800.5000

    Programs that provide assistance for people who are unable to make their mortgage payments and at risk of losing their homes through foreclosure or who are already in the foreclosure process. Services may include information about the foreclosure process, legal timelines and how to contact and negotiate with a lender; assessment of the homeowner's financial situation and development of a plan to address homeownership and financial issues; in-depth financial counseling regarding foreclosure avoidance options and/or options that involve leaving the home; advocacy with lenders, when necessary; and referrals to foreclosure prevention resources. Also included are programs that provide mediation services to negotiate a compromise between the individual and the financial institution that holds their mortgage in order to avoid foreclosure.

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    There are 11 matching records.
    Service NameDescriptionLocationProgramAgency
    Counseling ServicesProvides free and confidential, phone or in person counseling, where a counselor analyzes income and debt, foreclosure, etc and develops a budget and action plan, and recommends a solution. If individual qualifies for and chooses to begin a Debt Management Program, counselor will negotiate payment terms and concessions with creditors. Also provides workshops and online resources that teaches how to improve money management skills and other financial help.WestchesterCREDIT, DEBT AND BUDGET MANAGEMENT COUNSELINGGREENPATH FINANCIAL WELLNESS
    Counseling ServicesProvides one-on-one housing counseling for any homeowner in default or foreclosure or in danger of either. Face-to-face counseling includes review of household budget, explanation of options, advocacy with lender/servicer and referral for legal services.SchenectadyFORECLOSURE COUNSELINGBETTER NEIGHBORHOODS
    Counseling ServicesRCHR offers housing counseling services free of charge for purchase, default, foreclosure prevention and mortgage counseling.RensselaerHOUSING COUNSELINGRENSSELAER COUNTY HOUSING RESOURCES (RCHR)
    Housing ServicesHousing Resources of Columbia County offers one-on-one counseling to assist homeowners who are or may become delinquent on their current mortgage. HRCC provides comprehensive foreclosure prevention counseling and legal referral services. ColumbiaFORECLOSURE PREVENTION COUNSELINGHOUSING RESOURCES OF COLUMBIA COUNTY
    Housing ServicesAffordable Housing Partnership offers phone and personal one-on-one counseling to review the causes of mortgage default and provide next-step strategies to help a homeowner save their home from foreclosure. Counseling includes budget review, mortgage loan review, explanation of workout options, advocacy with mortgage lender, referral to legal services and follow-up services.AlbanyFORECLOSURE PREVENTION SERVICESAFFORDABLE HOUSING PARTNERSHIP OF THE CAPITAL REGION
    Housing ServicesProvides listing of HUD certified, home counseling agencies for current and prospective home buyers and renters.New YorkHOME BUYING OR RENTAL COUNSELINGUNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT-NEW YORK REGION
    Housing ServicesProvides home purchase counseling, geared towards first-time home buyers, along with home rehabilitation services for low income individuals who need to make repairs for health, safety, or accessibility reasons, and foreclosure prevention counseling for those struggling to maintain current mortgage payments.ClintonHOUSING OPTIONSFRIENDS OF THE NORTH COUNTRY
    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
    Housing ServicesTRIP offers pre and post purchase housing and financial programs and services to assist first time home-buyers and current homeowners to be successful over the long term. Services include individual housing and financial counseling, home-buyer education classes, foreclosure prevention services, landlord training, home repairs, and more.RensselaerTRIP HOMEOWNERSHIP CENTERTROY REHABILITATION AND IMPROVEMENT PROGRAM (TRIP)
    Information/Referral ServicesOffers information and referrals about home buying, foreclosures, rental property, section 8, tenant rights, and much more, utilizing many venues such as website, phone, list serves and mailing lists.New YorkHOUSING RESOURCE INFORMATIONUNITED STATES DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT-NEW YORK REGION
    Legal/Court ServicesThe Legal Project will assist homeowners who are facing foreclosure.AlbanyHOMEOWNER PROTECTION PROJECTLEGAL PROJECT

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