01 — Explore keeping the property
I want to understand resources or professionals who may help me explore options related to keeping the property.
New York Home Seller Guide
Facing Foreclosure in New York?
Understand Where Things Stand and What Options May Still Be Worth Exploring.
If a foreclosure action may already be underway, start with what you know about the property and any important dates you've received. From there, you can better understand the real estate picture and which resources or options may deserve further exploration. You do not have to decide whether to sell before gathering information.
- Start with the facts you currently know
- Understand your property's potential market position
- Explore homeowner resources and real estate considerations
- Get real estate guidance without pressure to list
Ravyn Teré Green Associate Broker YourHomeSoldGuaranteed Realty Besmatch New York Licensed Associate Broker No Cost • No Obligation
Step 1 of 5No cost • No obligation
Let's start with the property
Where is the property?
Address, city, state and ZIP. State defaults to NY, and you can edit any field.
Enter the property address to continue.
You do not need to know the property's value or have decided whether to sell.
What Kind of Help Are You Looking For?
Foreclosure does not automatically mean that selling is the only path to explore. Start with the goal that matters most to you.
Where you are today
Start with the property and what you know
02 — Understand the property & equity
I want to understand what the property may be worth and what the real estate picture could look like.
03 — Explore selling
I want to understand what a potential sale could look like and whether it deserves consideration.
04 — I'm not sure what to do yet
I want information before choosing a direction.
Each of these is an equally reasonable place to start. Nothing here assumes you want to sell.
Start With What You Know.
You do not need to understand every legal term or know the exact stage of the process. The information you already have can help identify which questions may need attention next.
01 — Foreclosure-related communications
You may have received notices or communications relating to the mortgage or property.
02 — Court papers
You may have received documents indicating that a foreclosure action has been filed or is proceeding.
03 — Judgment or other court action
You may have received information concerning a judgment or another development in the court case.
04 — Sale / auction information
You may have received information indicating that a foreclosure sale or auction has been scheduled.
05 — Not sure
You may know something is happening without knowing the formal stage.
Foreclosure is a legal process. This website does not determine the legal status of a property or interpret court documents.
Information provided through New York Home Seller Guide is for general real estate informational purposes and is not legal, tax, financial, mortgage, foreclosure-prevention or housing-counseling advice. Ravyn Teré Green and YourHomeSoldGuaranteed Realty Besmatch are not acting as your attorney, lender, mortgage servicer, tax advisor or housing counselor. Foreclosure matters can involve important legal rights, court proceedings and deadlines. Consider contacting your mortgage servicer and the appropriate qualified housing, legal, tax or financial professional regarding your individual circumstances.
Do you know of an upcoming property-related deadline?
Knowing the Date Helps Us Understand How Time-Sensitive Your Inquiry May Be.
If you are aware of a scheduled foreclosure sale, auction, court date, or other property-related deadline, knowing the date can help determine how time-sensitive your inquiry may be. The form asks whether you know of a date, what type it is, and the date itself — all optional, and “Not sure” is always available.
If you have received court papers, a judgment, or information about a scheduled foreclosure sale, consider contacting an appropriately qualified New York attorney or housing counselor promptly.
If Your Goal Is to Keep the Property
Real estate brokerage is only one part of the picture. If keeping the property is your goal, consider speaking with professionals who focus on mortgage, housing and legal matters.
Mortgage servicer
Your mortgage servicer may be able to explain options or processes that apply to your loan. Their contact details are usually on your monthly statement.
Housing counselor
A qualified housing counselor may help you understand mortgage and foreclosure-prevention resources. Counseling from a HUD-approved agency is free or low cost.
Find a HUD-approved counselorLegal assistance
Foreclosure is a legal process. A qualified New York attorney or legal-services organization can advise you about legal rights, court proceedings and deadlines.
Find legal help in New YorkNew York homeowner resources
The New York State Department of Financial Services maintains information and assistance for homeowners facing mortgage difficulty.
New York State help for homeownersThese are independent government and nonprofit resources. They are not affiliated with YourHomeSoldGuaranteed Realty Besmatch, and no one here is paid for referring you to them.
If Selling Is One of the Options You're Considering
Understanding the property can help you evaluate what a potential sale might look like before deciding whether selling deserves consideration.
01
Property value
Review the property's characteristics, relevant comparable sales and current competition.
02
Estimated equity
Compare potential property value with known mortgage and lien information to better understand the real estate picture.
03
Property condition
Consider whether preparation, repairs or selling in the property's current condition deserves discussion.
04
Timing
Consider the practical timeline involved in preparing, marketing and completing a potential transaction.
05
Net proceeds
Understand that estimated equity and actual net proceeds are not the same.
Understanding Equity Can Help You Ask Better Questions.
Equity generally refers to the difference between a property's value and amounts owed against it. When considering a potential sale, estimated equity can provide useful context, but it is not the same as the amount a seller would receive at closing.
Illustrative example only
Potential property value
$650,000 — a hypothetical figure used only to show how the arithmetic works.
Mortgage balance
$425,000 — a hypothetical amount owed against the property.
Illustrative gross equity
$225,000 — the difference between the two figures above, before anything else is accounted for.
What this example is not
It does not represent your property, and no automated estimate of your equity is shown anywhere on this page.
Actual net proceeds may be affected by mortgages, liens, taxes, judgments, closing costs, commissions, adjustments and other obligations.
Real Estate Guidance for the Property Side of the Decision.
Ravyn can assist with the real estate questions, alongside whatever other help you get.
01
Property-specific market review
A look at this property in today's market rather than a general area estimate.
02
Relevant comparable sales
Nearby properties that genuinely compare, reviewed individually rather than averaged.
03
Potential market positioning
Where the property may sit relative to current competition.
04
Property-condition considerations
How condition and presentation affect the buyers who would consider the property.
05
Selling as-is versus preparation
What preparation would involve, and where selling as-is is a reasonable path.
06
Buyer expectations
What buyers and their lenders typically ask for, so nothing comes as a surprise later.
07
Potential listing strategy
Timing, pricing approach and marketing, if and when selling is chosen.
08
Practical transaction considerations
The real-world steps a sale involves and roughly how long each takes.
09
Estimated selling-range discussion
An honest range based on the property and the market, not a number designed to please.
What requires another professional?
Foreclosure defense, interpretation of court papers, legal deadlines, bankruptcy, loan modification, forbearance, repayment plans, mortgage-servicing disputes, tax advice and legal rights all fall outside real estate brokerage. These issues may require assistance from an attorney, mortgage servicer, housing counselor, tax professional or other appropriately qualified professional. Ravyn Teré Green and YourHomeSoldGuaranteed Realty Besmatch cannot stop, delay or resolve a foreclosure.
Professional photograph to be added from Profile & Branding in Settings.
Meet the real estate professional
Ravyn Teré Green
Associate Broker · YourHomeSoldGuaranteed Realty Besmatch
“You deserve to understand the real estate picture before deciding whether selling belongs in your plan.”
Ravyn helps New York property owners understand property value, market conditions, property considerations and what a potential sale could look like. If your goal is to keep the property or address legal or mortgage issues, the appropriate housing, mortgage and legal professionals should be part of that conversation.
- New York Licensed Associate Broker
- Residential and multifamily experience
- Property-specific market analysis
- Information first — no pressure to list
Start With What You Know.
- 1
Tell us about the property
Share the address, property type, occupancy and general condition.
- 2
Share what you know
Answer only what you know about court papers, judgments or scheduled dates. “Not sure” is always an option.
- 3
Understand the real estate picture
Property characteristics, condition, comparable sales and current competition can be considered.
Submitting this form does not require you to sell or list your property.
Questions New York Property Owners Often Ask
What does foreclosure mean?
In everyday language, foreclosure refers to a legal process a lender may use regarding a property when a mortgage is not paid as agreed. In New York it generally moves through the courts. What applies in any individual case depends on the specific filings and circumstances, which this website cannot determine.
What if I don't know what stage I'm in?
That is common and completely fine. Every question on the form includes “Not sure.” A qualified attorney or a housing counselor can review your documents with you.
What if I want to keep my property?
That is a normal answer, and you can say so on the form. You will receive real estate information plus the homeowner resources listed on this page, not a push toward listing.
What if I've received court papers?
Court papers relate to a legal proceeding. Consider contacting an appropriately qualified New York attorney or a housing counselor promptly. This website does not interpret court documents.
What if a foreclosure sale or auction has been scheduled?
A scheduled date is time-sensitive. Consider contacting an attorney, housing counselor or other qualified professional promptly. If you share the date with us, your inquiry is flagged for prompt human review on the real estate side. No one here can promise a postponement or a particular outcome.
Can I still find out what my property may be worth?
Yes. Understanding the property's potential market position is a real estate question, and you can ask it without deciding anything about selling.
What is equity?
Equity generally refers to the difference between a property's value and the amounts owed against it. Estimated equity is not the same as net proceeds at closing, which may be affected by mortgages, liens, taxes, judgments, closing costs, commissions and other obligations.
Can I explore selling without committing to list?
Yes. There is no cost and no obligation to list or sell. Information first is a legitimate reason to submit the form.
Can Ravyn give me legal advice about foreclosure?
No. Ravyn is a licensed real estate professional, not an attorney, and does not provide legal advice, interpret court documents or advise on legal deadlines or rights.
Can Ravyn negotiate a loan modification for me?
No. Loan modification, forbearance, repayment plans and servicing disputes are matters for your mortgage servicer, a housing counselor or an attorney. Ravyn's role is real estate brokerage guidance about the property and the market.
Do I have to sell if I submit this form?
No. Submitting the form requests real estate information. It does not commit you to selling, listing or anything else.
No cost • No obligation to list
Start With the Property. Understand the Real Estate Picture.
You don't need to make a selling decision before gathering information. Start with what you know about the property and the type of help you're looking for.
No cost • No obligation to list
Questions first? Read through your selling options.