Facing Foreclosure?
We Will Stop It --
For Free.
HOAPnet's free Homeowner Assistance Program (HOAP) gives homeowners in New York, North Carolina, Florida, South Carolina, Georgia and Alabama access to expert Homeowner Counselors, legal referrals, and every option to stop foreclosure -- at zero out-of-pocket cost.
Request Your Free Consultation
A HOAP Homeowner Counselor will contact you today. Every day matters.
Don't Wait -- Every Day Costs You Options
In New York, lenders must provide a 90-day pre-foreclosure notice before filing in court -- but the process adds many more months. Homeowners who act early have far more options. If you have already received a notice, call today. HOAPnet's help is free.
Free Download: Homeowners Guide to Avoiding Foreclosure
Our comprehensive 9-chapter guide covers every option available -- loan modification, forbearance, short sales, bankruptcy, and more. Written by HOAP Counselors for homeowners in crisis.
Are You Facing Any of These?
No matter what brought you here, HOAPnet's free Homeowner Counselors are trained to find the right solution for your unique circumstances at absolutely no cost.
Job Loss / Income Reduction
A layoff, reduced hours, or business setback has made your mortgage unaffordable. We negotiate with your lender or find the right exit strategy even if you are months behind.
Get Help With ThisMedical Bills / Serious Illness
A sudden illness or mounting medical debt has drained your ability to make payments. You deserve a solution that protects your home and your family's future.
Get Help With ThisDivorce / Separation
When a marriage ends, a mortgage that required two incomes becomes unmanageable on one. We help both parties find a fair resolution before foreclosure happens.
Get Help With ThisReverse Mortgage Default
A reverse mortgage in default due to unpaid taxes, insurance, or occupancy issues can move to foreclosure quickly. Specialized free help is available through HOAP.
Get Help With ThisLandlord / Investment Property
Non-paying tenants, vacancies, or rising costs have turned your investment into a liability. Protect your credit and financial future with a proactive strategy.
Get Help With ThisInherited / Estate Property
Inheriting a home with a mortgage, tax debt, or reverse mortgage can be overwhelming. Our Streamlined Program gets answers fast and cash to heirs quickly.
Get Help With ThisKeep Your Home or Sell It --
We Have a Solution Either Way
HOAPnet provides access to every available foreclosure prevention strategy. Our Homeowner Counselors evaluate your situation and coordinate the best path completely free.
How HOAPnet Works
We move fast because your situation demands it. From your first call to a resolution in your favor.
Call or Submit a Request -- Free
Call (516) 336-9293 or fill out our form. Tell us about your mortgage, your hardship, and your goals. Everything you share is 100% confidential.
Takes 5 minutesSpeak With a HOAP Counselor
A licensed real estate professional and HOAP Homeowner Counselor is assigned to your case at no cost. They review your documents, evaluate all options, and explain exactly what is possible.
Same day or next business dayYour Custom Action Plan
Your Counselor creates a tailored strategy -- loan modification, short sale, cash sale, legal referral, or other. Every plan is customized to your goals, your lender, and your timeline.
Within 48 hoursWe Execute -- You Stay Informed
Your Counselor coordinates with lenders, attorneys, buyers, and closing agents on your behalf. You receive regular updates and make the decisions -- we do the work.
Until full resolutionServing 11 Counties Across 6 States
HOAPnet's free foreclosure assistance is available to qualified homeowners in every county listed below.
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Nassau County →
Hempstead - Valley Stream - Freeport - Elmont - Roosevelt - Long Beach - Garden City - Mineola
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Suffolk County →
Brentwood - Central Islip - Wyandanch - Bay Shore - Coram - Mastic - Islip - Babylon
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Queens County →
Jamaica - Far Rockaway - South Jamaica - Springfield Gardens - Hollis - St. Albans - Flushing
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Kings County (Brooklyn) →
East New York - Flatbush - Canarsie - Brownsville - Crown Heights - Bed-Stuy - Bushwick
Don't see your county? Call us -- we may still be able to help.
Call (516) 336-9293 to Check Your AreaWhat Homeowners Say About HOAP
"After my husband lost his job, we were three months behind and terrified. HOAPnet assigned us a Counselor who negotiated a loan modification in 60 days. We kept our home and our payment dropped by over $400 a month. I cannot believe this was all completely free."
"We received a foreclosure summons and panicked. HOAPnet connected us with a foreclosure attorney at no cost. The attorney represented us at the settlement conference and we worked out a repayment plan with the bank. HOAPnet saved our home."
"After my mother passed away, I inherited a home with a reverse mortgage already in default. My HOAPnet Counselor handled the lender negotiations, the paperwork -- everything. I only had to sign documents. Truly free and truly life-changing."
Foreclosure Help FAQ
Answers to the most important questions about HOAPnet and your options for stopping foreclosure.
Download Your Free Homeowners Guide
Written by HOAP Counselors. 9 chapters. Plain language. Everything you need to know about your options -- completely free.
Everything You Need to Know in Plain Language
This comprehensive 9-chapter guide was written by HOAPnet's HOAP Counselors specifically for homeowners facing financial hardship and foreclosure. Whether you want to keep your home or sell it, this guide walks you through every option available -- completely free, no email required.
Free forever. No email required. No spam. Just help.
Free Foreclosure Help -- HOAPnet Homeowner Assistance Program (HOAP)
HOAPnet's Homeowner Assistance Program (HOAP) provides comprehensive free assistance to homeowners facing foreclosure, mortgage default, or financial hardship across six states: New York, North Carolina, Florida, South Carolina, Georgia, and Alabama. Our mission is simple -- no homeowner should lose their property simply because they did not know their options or could not afford professional guidance. Every HOAP Homeowner Counselor is a licensed real estate professional, and every service is provided at zero out-of-pocket cost to qualified homeowners.
Stop Foreclosure in New York -- Nassau County, Suffolk County, Queens and Brooklyn
New York State offers among the strongest homeowner protections in the nation. Unlike non-judicial states, New York requires all mortgage foreclosures to proceed through the court system -- a process that typically takes 18 months to 3 or more years. Before any court filing, lenders must also issue a mandatory 90-day pre-foreclosure notice. HOAPnet serves homeowners in Nassau County (Hempstead, Valley Stream, Freeport, Elmont, Roosevelt, Long Beach), Suffolk County (Brentwood, Central Islip, Wyandanch, Coram, Mastic, Bay Shore), Queens County (Jamaica, Far Rockaway, South Jamaica, Springfield Gardens), and Kings County / Brooklyn (East New York, Flatbush, Canarsie, Brownsville, Crown Heights).
Foreclosure Help in North Carolina -- Durham County and Wake County
North Carolina uses a non-judicial foreclosure process, which means foreclosures can proceed faster -- typically in 60 to 120 days after default. Homeowners in Durham County and Wake County (Raleigh, Cary, Apex) must act quickly. HOAPnet's HOAP Counselors can intervene with loan modification requests, short sale coordination, or cash sale referrals for qualifying homeowners.
Foreclosure Help in Florida -- Broward County
Florida is a judicial foreclosure state. Broward County homeowners in Fort Lauderdale, Hollywood, Pompano Beach, Miramar, and Coral Springs benefit from a longer foreclosure timeline -- often 18 months or more. HOAPnet provides free loan modification assistance, short sale coordination, and cash sale referrals for Broward County homeowners facing financial hardship.
Foreclosure Help in South Carolina -- Horry County and Richland County
South Carolina conducts both judicial and non-judicial foreclosures depending on mortgage terms. Homeowners in Horry County (Myrtle Beach, Conway) and Richland County (Columbia, Forest Acres) have options available through HOAPnet's HOAP program, including loan modifications, forbearance negotiation, and short sales.
Foreclosure Help in Georgia -- Muscogee County
Georgia is a non-judicial foreclosure state with one of the fastest foreclosure processes in the nation -- some foreclosures complete in as little as 37 days after the notice period. Homeowners in Muscogee County (Columbus) and surrounding communities must act immediately. HOAPnet provides urgent, free foreclosure prevention assistance for qualifying Muscogee County homeowners.
Foreclosure Help in Alabama -- Russell County
Alabama is a non-judicial foreclosure state with foreclosures potentially completing in 50 to 74 days after default. Russell County homeowners in Phenix City and Smiths Station have limited time once a default notice is issued. HOAPnet's HOAP program provides free foreclosure prevention assistance including loan modification applications, short sale coordination, and cash sale referrals for qualifying Russell County homeowners.
Loan Modification Help -- All Service Areas
A loan modification remains the most common solution for homeowners who want to keep their home. HOAPnet Counselors prepare and submit complete modification applications to all major servicers including Chase, Wells Fargo, Bank of America, Mr. Cooper (Nationstar), PHH Mortgage, Shellpoint, and others. Many homeowners previously denied modifications directly by their servicer have been approved through HOAP.
Get Your Free Consultation Today
Tell us about your situation and a HOAP Homeowner Counselor will contact you the same day. We work around your schedule -- evenings and weekends available. Everything is 100% confidential and there is no cost or obligation.
Request Free Help Now
Fill out this form and a HOAP Counselor will call you today.