Free Foreclosure Prevention Assistance

PCHC works with lenders, banks and mortgage companies to arrange work-out agreements, short sales and other remedies for homeowners.

Understanding New York State's Mortgage Foreclosure Process

What is commonly called a "foreclosure" is a lawsuit that the mortgage holder files against a homeowner in the supreme court where the property is located. The mortgage holder is usually a bank or finance company.

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Putnam County Housing Corp Home

Please complete the Foreclosure Prevention Application for Assistance

Once the counselor receives the completed application and reviews it, they will call the homeowner to schedule an appointment within one week.

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*PLEASE NOTE: Every question must be addressed. If the question does not apply please put N/A. Incomplete applications will delay your appointment.

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PCHC is a certified HUD Housing Counseling Agency and a certified National Industry Standards for Homeownership Education and Counseling (NCHEC) agency which ensures counselors provide consistent and professional excellence.

PCHC receives funding from HUD and the New York State Attorney General Home Ownership Protection Program (HOPP)

What You Can Expect From Your Meeting

  • The Counselor will meet with the homeowner to determine their objectives, the reasons for the default and the time constraints of the case.

  • Counselor will document income and expenses and establish a current budget and set up a realistic budget going forward.

  • The Counselor will then advise the borrower of the options available to them. (Forbearance and Reinstatement; Loan Modification; Preforeclosure Sales; Assumptions; Deed in Lieu of Foreclosure; or Home Equity Conversion Mortgages (HECM)

  • The Counselor may refer the homeowner to Legal Services of the Hudson Valley for free legal services if appropriate or the Putnam County Department of Social Services.

  • The Counselor may attend the Mandatory Court Settlement Conference with the homeowner.