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Free Foreclosure Help
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HOAPnet's Homeowner Assistance Program (HOAP) serves homeowners facing foreclosure in 11 counties across 6 states. Select your county below to get local foreclosure timelines, your legal rights, and free help — at zero out-of-pocket cost.

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11Counties Served
6States Covered
100%Free to Homeowners
Same DayResponse
4
NY Counties
4
Southeast Counties
3
Urgent Non-Judicial
NY

New York

Judicial foreclosure state — all cases go through the courts · Mandatory 90-day pre-foreclosure notice · Mandatory settlement conferences

New York Homeowners: NY is a judicial foreclosure state — the entire process must go through the courts, which typically takes 18 months to 3+ years from first missed payment to completed foreclosure. Before any court filing, your lender must serve a 90-day pre-foreclosure notice. Once a case is filed, you are entitled to a mandatory settlement conference where lender and homeowner must negotiate in good faith. These are among the strongest homeowner protections in the United States.
Nassau County
New York — Long Island
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Hempstead · Valley Stream · Freeport · Elmont · Roosevelt · Long Beach · Garden City · Mineola · Uniondale · Lynbrook
⚖ Judicial — Supreme Court, Mineola
⏱ 18 months – 3+ years  typical foreclosure timeline
Suffolk County
New York — Long Island
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Brentwood · Central Islip · Wyandanch · Bay Shore · Coram · Mastic · Islip · Babylon · Patchogue · Shirley
⚖ Judicial — Supreme Court, Riverhead
⏱ 18 months – 3+ years  · Highest NY foreclosure volume
Queens County
New York City — NYC Borough
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Jamaica · Far Rockaway · South Jamaica · Springfield Gardens · Hollis · St. Albans · Flushing · Laurelton · Rosedale
⚖ Judicial — Supreme Court, Jamaica
⏱ 18 months – 3+ years  typical foreclosure timeline
Kings County (Brooklyn)
New York City — NYC Borough
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East New York · Flatbush · Canarsie · Brownsville · Crown Heights · Bed-Stuy · Bushwick · East Flatbush · Borough Park
⚖ Judicial — Supreme Court, 360 Adams St
⏱ 18 months – 3+ years  typical foreclosure timeline
NC

North Carolina

Non-judicial foreclosure state — no court filing required · Foreclosure can complete in 60–120 days · Act immediately

⚠ Urgent — NC Homeowners: North Carolina is a non-judicial foreclosure state. This means lenders can foreclose through a power-of-sale clause without filing a court lawsuit. A foreclosure sale can occur in as little as 60–90 days from the first formal notice. There is no mandatory settlement conference. If you are behind on your mortgage in North Carolina, contact HOAPnet immediately — same-day response available.
Durham County
North Carolina
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Durham · Research Triangle Park · Morrisville · Bahama · Rougemont
⚠ Non-Judicial — Act Immediately
⏱ 60–90 days  from first notice to sale
Wake County
North Carolina — Raleigh Area
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Raleigh · Cary · Apex · Holly Springs · Garner · Wake Forest · Fuquay-Varina · Morrisville · Knightdale
⚠ Non-Judicial — Act Immediately
⏱ 60–120 days  from first notice to sale
FL

Florida

Judicial foreclosure state — court process required · 12–24 month typical timeline · Homestead Exemption protections

Florida Homeowners: Florida is a judicial foreclosure state — lenders must file a court lawsuit and the case goes through the circuit court. The typical timeline is 12–24 months. Florida's Homestead Exemption provides some protections for primary residence owners, but does not prevent mortgage foreclosure. HOAPnet serves Broward County homeowners with free loan modification, short sale, and cash sale assistance.
Broward County
Florida — Fort Lauderdale Area
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Fort Lauderdale · Hollywood · Pompano Beach · Miramar · Coral Springs · Davie · Plantation · Lauderhill · Sunrise · Pembroke Pines
⚖ Judicial — 17th Circuit Court, Ft. Lauderdale
⏱ 12–24 months  typical foreclosure timeline
SC

South Carolina

Primarily judicial foreclosure — court process required · 6–18 month typical timeline

South Carolina Homeowners: South Carolina uses primarily a judicial foreclosure process, meaning lenders must file a court case. The typical timeline is 6–18 months. Some SC mortgages contain power-of-sale clauses allowing a faster non-judicial process — check your mortgage documents. HOAPnet serves homeowners in Horry County and Richland County with free foreclosure prevention assistance.
Horry County
South Carolina — Myrtle Beach Area
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Myrtle Beach · Conway · North Myrtle Beach · Surfside Beach · Loris · Aynor · Little River · Socastee · Carolina Forest
⚖ Judicial — 15th Circuit Court
⏱ 6–18 months  typical foreclosure timeline
Richland County
South Carolina — Columbia Area
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Columbia · Forest Acres · Blythewood · Irmo · Springdale · Cayce · Dentsville · Arcadia Lakes
⚖ Judicial — 5th Circuit Court, Columbia
⏱ 6–18 months  typical foreclosure timeline
GA

Georgia

Non-judicial foreclosure state — fastest process in Southeast · Sale possible in as little as 37 days · No right of redemption after sale

⚠ Critical — GA Homeowners: Georgia has one of the fastest foreclosure timelines in the United States. A lender can advertise and hold a foreclosure sale in as little as 37 days after the notice period. There is no right of redemption after the sale — once it occurs, the homeowner has no automatic right to reclaim the property. If you own a home in Georgia and are behind on your mortgage, call HOAPnet immediately.
Muscogee County
Georgia — Columbus Area
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Columbus · Midland · Upatoi · Fort Moore area communities · Fortson
⚠ Non-Judicial — MOST URGENT
⏱ As little as 37 days  from notice to sale — call now
AL

Alabama

Non-judicial foreclosure state — 50–74 day typical timeline · 1-year right of redemption after sale

⚠ Urgent — AL Homeowners: Alabama is a non-judicial foreclosure state. Foreclosures require a 3-week published notice (21 days), and a sale can be completed in 50–74 days from default notice. Alabama does have a one-year right of redemption after the foreclosure sale — but redeeming requires paying the full sale price plus costs, which is often not practical. Preventing the sale is always the better approach. Contact HOAPnet immediately.
Russell County
Alabama — Phenix City Area
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Phenix City · Smiths Station · Seale · Hurtsboro · Pittsview · Fort Mitchell
⚠ Non-Judicial — Act Immediately
⏱ 50–74 days  from first notice to sale

Don't See Your County?

Call us anyway — we may still be able to help or connect you with a qualified resource in your area. HOAPnet's network is always expanding.

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Understanding Foreclosure Type Badges

⚖ Judicial

The lender must file a lawsuit and obtain a court judgment. This process takes 12 months to 3+ years. Homeowners have more time and legal protections. NY and FL counties.

⚡ Non-Judicial

No court filing required — lender uses a power-of-sale clause. Can complete in as little as 37–120 days. Much less homeowner protection. NC, GA, AL counties.

⚠ Urgent

Non-judicial state with the fastest timelines. If you own in one of these counties and are behind on your mortgage, contact HOAPnet today — do not wait.

Select your county above — or call us now.

HOAPnet's HOAP Counselors provide free, same-day foreclosure help to qualified homeowners in all 11 counties. No cost. No obligation. Licensed professionals.

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or call: (516) 336-9293