Behind on Mortgage — Get Help
Missing mortgage payments? You have options before foreclosure.
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Common questions about this topic
I am behind on my mortgage payments — what should I do first?
Contact your lender immediately. Most lenders prefer to work with you on a solution rather than foreclose. Options include forbearance, loan modification, repayment plans, and partial claims. The sooner you communicate, the more options remain available.
Will my lender work with me if I cannot make payments?
Most lenders have loss mitigation departments specifically for this purpose. They may offer temporary forbearance, a modified payment plan, or a loan modification that reduces your monthly payment. Document your hardship and be prepared to provide financial records.
How many missed payments before foreclosure starts in New York?
Lenders typically begin the foreclosure process after 3–6 months of missed payments, but New York's judicial foreclosure process adds significant time. You will receive a 90-day pre-foreclosure notice before the lender can file. Use this time to explore your options.
What is a loan modification?
A loan modification permanently changes your mortgage terms — usually reducing the interest rate, extending the term, or capitalizing missed payments. This can lower your monthly payment to an affordable level. Approval depends on your income and hardship documentation.
Can I sell my house if I am behind on payments?
Yes. If you have equity, selling pays off the mortgage and stops the delinquency process. If you owe more than the property is worth, a short sale with lender approval may be possible. Either option is typically better for your credit than foreclosure.