Foreclosure Help
Resources & Guides
Expert articles for homeowners facing foreclosure, mortgage default, and financial hardship — written by HOAPnet's HOAP Counselors in plain language.
All Articles
Stopping Foreclosure in Nassau County — 7 Steps That Work
Step-by-step guide to stopping foreclosure in Nassau County, NY — 90-day notice, mandatory settlement conferences at Nassau Supreme Court, loan modification, and every free option available through HOAPnet.
Read Article →Avoiding Foreclosure in Suffolk County: 7 Steps & Solutions
A complete step-by-step guide covering every option for avoiding foreclosure in Suffolk County NY — from loan modification and forbearance to short sale and deed-in-lieu. Free HOAP help included.
Read Article →Received a Lis Pendens in New York? An Expert Interview on What It Means & Your Options
A HOAPnet HOAP Counselor walks a Suffolk County homeowner through exactly what a lis pendens means, what the New York judicial foreclosure process looks like, and every option available — all free.
Read Article →How Many Mortgage Payments Can I Miss Before Foreclosure Starts?
The definitive guide to New York's foreclosure timeline — 120-day federal rule, 90-day NY notice, and what to do at each stage.
Read Article →Received a Notice of Default — What to Do Now
A step-by-step guide for homeowners who received a 90-day pre-foreclosure notice or a summons and complaint in New York.
Read Article →What Is a Short Sale? A Complete Guide for Homeowners
Everything you need to know about short sales — how they work, how they affect your credit, and when a short sale is the right choice.
Read Article →What Is a Lis Pendens and What Are My Options?
A lis pendens signals that your lender has filed a court action. This guide explains what it means, what happens next, and your options.
Read Article →Knowledge is power — but expert help is free.
Read our guides, then speak with a HOAP Counselor who can put the knowledge into action for your specific situation — at no cost.