HOAPnet provides free foreclosure prevention to homeowners throughout Nassau County — from Hempstead and Valley Stream to Freeport, Elmont, Roosevelt, and Long Beach. Our HOAP Homeowner Counselors are licensed real estate professionals who negotiate with your lender, coordinate sales, and fight for your home at absolutely no out-of-pocket cost.
Do Not Ignore a Foreclosure Notice — Acting Early Is Critical
If you have received a foreclosure summons or notice of intent to foreclose, you must respond immediately. Failing to respond causes you to lose certain legal rights — including your right to mandatory settlement conference protections. The sooner you call HOAPnet, the more options remain open.
Nassau County Foreclosure — Key Facts
1,200+
Annual Foreclosure Filings
Nassau County averages over 1,200 new foreclosure cases filed per year in NY Supreme Court, Mineola
90 Days
Pre-Foreclosure Notice Required
NY law mandates a 90-day notice before any lender can file a foreclosure lawsuit in Nassau County
18–36 mo
Typical NY Foreclosure Timeline
New York's judicial process gives Nassau homeowners more time than most states — but only if you act early
$0
Out-of-Pocket Cost to You
Every HOAPnet service — counseling, lender negotiation, legal referral — is provided at zero cost to qualified homeowners
How Foreclosure Works in Nassau County
Nassau County uses New York's judicial foreclosure process. This is important — it means a lender cannot simply take your home without going through the courts. Every foreclosure case in Nassau County is filed at Nassau County Supreme Court in Mineola. The process gives you multiple opportunities to negotiate, respond, and keep your home.
Stage 1
90-Day Pre-Foreclosure Notice
Your lender must mail you a 90-day notice before they can file in court. This is your first major opportunity to call HOAPnet and get ahead of the process.
Stage 2
Summons & Complaint Filed
The lender files a foreclosure lawsuit in Nassau County Supreme Court, Mineola. You are served with a summons. You must respond within 20 days or risk a default judgment.
Stage 3
Mandatory Settlement Conference
Under CPLR Article 13-A, Nassau County homeowners have the right to mandatory settlement conferences. A judge works with you and the lender to explore every alternative to foreclosure. This is where HOAPnet counselors make the biggest difference.
Stage 4
Judgment & Auction (Avoidable)
If no agreement is reached, the court issues a judgment of foreclosure and a sale is scheduled. This entire stage is avoidable with early action. The full process typically takes 18 months to 3+ years.
Key protection: New York's mandatory settlement conference process under CPLR Article 13-A is one of the strongest homeowner protections in the country. It requires the lender to negotiate in good faith before any auction can proceed. Having a HOAPnet counselor or an attorney at your side during this process significantly improves your outcome.
Where We Serve in Nassau County
HOAPnet provides free foreclosure counseling across all of Nassau County. We serve every community in the county — north shore, south shore, and everywhere in between.
Every Nassau County homeowner's situation is different. HOAPnet counselors review all the options below with you and identify the best path forward — at zero out-of-pocket cost.
01
Loan Modification
We negotiate with your servicer to permanently lower your rate, extend your term, or defer missed payments — making your monthly payment affordable again.
Many Nassau County lenders approve modifications when the borrower can show stable income going forward. HOAPnet handles the entire application and paperwork process — we know what each servicer requires.
02
Forbearance & Repayment Plan
Temporarily pause or reduce your mortgage payments while you recover from a hardship. Then repay the missed amounts through a structured plan over time.
Under a repayment plan, you pay your regular monthly payment plus a portion of the arrears (delinquent amount) each month until the account is current. Under a forbearance, the lender agrees to suspend payments entirely for a set period — then you resume and catch up according to an agreed schedule.
03
Short Sale
Owe more than the home is worth? Sell with lender approval and have the remaining balance forgiven. Far less credit damage than a completed foreclosure.
HOAPnet coordinates the listing, buyer negotiations, and lender approval process at no cost to you. We negotiate for a full deficiency waiver so you walk away without owing the difference.
04
Quick Cash As-Is Sale
Sell in 7–21 days to a vetted cash buyer — no repairs, no showings, no real estate agent fees. Close fast and walk away with proceeds in hand.
This option is ideal when you have equity in the home and want to move quickly. HOAPnet connects you with vetted Nassau County cash buyers who can close in days, not months.
05
Legal Referral & Foreclosure Defense
Need an attorney to challenge the foreclosure in court? HOAPnet connects you with experienced Nassau County foreclosure defense attorneys.
Foreclosure defense attorneys can challenge the lender's standing, identify procedural errors, and represent you at Nassau County Supreme Court settlement conferences. Many attorneys handle these cases on a flat-fee basis. HOAPnet provides referrals at no charge — you deal directly with the attorney.
06
Deed-in-Lieu of Foreclosure
Voluntarily transfer the property to the lender for a full release of the mortgage debt — and avoid a public foreclosure auction on your record.
A deed-in-lieu is an option when other alternatives are not viable. It allows you to resolve the debt and move forward without the stigma of a completed foreclosure auction. We handle the lender negotiation and document coordination.
Own a commercial property or multifamily building in Nassau County?
HOAPnet also assists Nassau County owners of commercial properties, mixed-use buildings, and investment properties facing mortgage default or foreclosure. The same loan modification, short sale, and legal referral services apply to commercial situations. Call (516) 336-9293 to discuss your commercial property situation.
★★★★★
"After my husband was laid off, we fell three months behind on our mortgage. We received a foreclosure notice and had no idea what to do. HOAPnet assigned a counselor within 24 hours. She negotiated a loan modification with our servicer — our monthly payment dropped by $340. We kept our home and paid nothing for HOAPnet's help."
— Nassau County Homeowner, Elmont
How HOAPnet Helps — 4 Simple Steps
Here is exactly what happens when you contact HOAPnet for Nassau County foreclosure help:
1
Free Consultation
Call (516) 336-9293 or fill out the form below. We review your situation — mortgage status, timeline, and goals — at no cost and with no obligation.
2
Meet Your HOAP Counselor
A licensed real estate professional is assigned to your case within 24 hours. They review all documents from your lender or court and identify which options are still open to you.
3
Your Custom Action Plan
Your counselor builds a tailored strategy based on your goals, your lender, and your timeline. Keep the home or sell — we build a plan for both scenarios so you are prepared for every outcome.
4
We Execute Together
Your counselor handles lender negotiations, paperwork, and all coordination on your behalf. You are kept informed at every step until the goal is achieved — at zero out-of-pocket cost to you.
Get Your Free Nassau County Consultation
Fill out the form below or call (516) 336-9293. A HOAPnet HOAP counselor will contact you within 24 hours — at no cost and no obligation.
All consultations are free and confidential. No obligation. All Nassau County communities served.
Foreclosure Help FAQ — Nassau County
Nassau County uses New York's judicial foreclosure process. All cases go through Nassau County Supreme Court in Mineola. Lenders must send a 90-day pre-foreclosure notice before filing. After filing, mandatory settlement conferences under CPLR Article 13-A are required. The full process typically takes 18 months to 3+ years — giving homeowners real time to act.
Yes. HOAPnet's HOAP program provides completely free foreclosure prevention to qualified Nassau County homeowners. Services include loan modification negotiation, forbearance and repayment plans, short sale coordination, cash-buyer sales, and legal referrals — all at zero out-of-pocket cost to you.
A loan modification permanently changes your mortgage terms — lowering the interest rate, extending the loan term, or deferring missed payments — so your monthly payment becomes affordable again. Many Nassau County lenders approve modifications when the borrower can show a stable income going forward. HOAPnet handles the entire application process at no cost.
Typically 18 months to 3+ years from the first missed payment before a foreclosure auction in Nassau County. New York's judicial process — including the 90-day notice, court filing, and mandatory settlement conferences — gives homeowners significantly more time than non-judicial states. However, acting early maximizes your options. Do not wait.
Under CPLR Article 13-A, Nassau County homeowners in foreclosure are entitled to mandatory settlement conferences at Nassau County Supreme Court, Mineola. A court-appointed referee mediates between you and the lender to explore loan modification, repayment plans, and other alternatives. Having a HOAPnet counselor or a foreclosure defense attorney present at these conferences significantly improves your outcome.
HOAPnet serves all of Nassau County including Hempstead, Valley Stream, Freeport, Elmont, Roosevelt, Long Beach, Garden City, Mineola, Uniondale, Lynbrook, Rockville Centre, Oceanside, New Hyde Park, Floral Park, Levittown, Hicksville, Westbury, East Meadow, Massapequa, Great Neck, Syosset, Plainview, Baldwin, Merrick, and all other Nassau County communities.