Foreclosure Prevention
You’re Not Alone — Help Is Available
Worried about losing your home? You’re not alone, and there are real options to help you stay housed. Falling behind on mortgage payments can be frightening and overwhelming, especially when letters from lenders start piling up or foreclosure notices arrive. MHANY’s Foreclosure Prevention Workshop is designed to help homeowners understand their situation, learn their rights, and take informed action before it’s too late. Our approach is compassionate, confidential, and judgment-free — we know that job loss, medical bills, rising costs, and unexpected hardships happen. The sooner you seek guidance, the more options are usually available, and this workshop is often the first step toward protecting your home.
For more information or to get help, reach out to MHANY at 718-246-8080 ext. 329.
What the Foreclosure Prevention Workshop Covers
This workshop provides clear, practical education for homeowners who are behind on their mortgage or worried they may fall behind. It explains the foreclosure process in plain language and outlines the tools that may help you avoid losing your home.
Understanding the Foreclosure Timeline
Learn what happens after missed payments, how foreclosure proceedings work in New York, and when it’s critical to act.
Your Rights as a Homeowner
Understand lender obligations, foreclosure settlement conferences, and protections available to New York homeowners.
Mortgage Relief Options
Overview of loan modifications, repayment plans, forbearance, and other solutions that may reduce or pause payments.
Government & Emergency Assistance Programs
Learn about programs like the NYS Homeowner Assistance Fund and emergency relief options that may help cover arrears.
Avoiding Foreclosure Scams
Learn how to spot and avoid predatory “foreclosure rescue” schemes that charge upfront fees or make false promises.
Support Beyond the Workshop
The workshop is often just the beginning — MHANY offers follow-up support to help homeowners take action.
What Happens After You Attend:
- One-on-one counseling with a HUD-certified housing counselor
- Help communicating and negotiating with your mortgage servicer
- Review of income, expenses, and hardship documentation
- Referrals to trusted legal aid or housing partners when needed
- Guidance even if foreclosure proceedings have already starte
Frequently Asked Questions
Is this workshop free?
Yes. MHANY’s foreclosure prevention workshops and counseling services are free and confidential.
Is it too late if I’ve already missed several payments?
No. Even if you’re months behind or have received foreclosure notices, options may still exist. Acting now is critical.
Do I need a lawyer to attend?
No. MHANY is not a law firm, but we work closely with trusted legal service providers and can refer you if legal representation is needed.
What if I’m embarrassed about my situation?
There is no judgment here. Many responsible homeowners face financial hardship, and seeking help is a smart, proactive step.