01
Keep the property
Some homeowners work directly with their mortgage servicer, a HUD-approved housing counselor or an attorney on options intended to keep the property.
New York Home Seller Guide
Falling Behind on Your Mortgage?
Start by Understanding Your Options.
Missing payments, or worrying that you might, does not mean there is only one path forward. Homeowners in New York often have more than one option worth understanding, and the property itself is usually the clearest place to start.
- Understand the property's potential market position
- Explore options without assuming you have to sell
- Identify property and timing considerations
- Real estate guidance from a New York Licensed Associate Broker
Ravyn Teré Green Associate Broker YourHomeSoldGuaranteed Realty Besmatch No Cost • No Obligation
Start with a personalized review of the property, its potential market position, and the real estate options worth considering.
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 don't need to have decided whether to sell.
You May Have More Than One Path to Explore.
Being behind on a mortgage does not automatically mean selling is the answer. Each of these directions is worth understanding before any decision is made.
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Understand the property
Knowing the property's potential market position, condition and likely buyer pool gives you context before choosing anything.
03
Explore a potential sale
If selling turns out to fit your circumstances, understanding value, timing and preparation can help with planning.
04
I'm not sure yet
You do not need to know today. Starting with information is a reasonable first step on its own.
Understanding Where Things Stand Can Help Determine the Next Questions.
Missed or late payments
One missed payment and several missed payments raise different questions, and servicers often handle them differently.
Notices from a servicer or lender
Letters and statements about a past-due balance are common early communications and are worth keeping together.
Court papers
Receiving documents from a court is a different situation and usually calls for a qualified attorney's review.
A foreclosure action
Whether a formal action has begun depends on the actual filings in your case, not on how far behind a payment is.
A scheduled sale or auction date
A scheduled date is time-sensitive and generally warrants prompt attention from the appropriate professionals.
Not sure which stage you're in? That's okay. You can still start with the information you know.
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, and cannot stop, delay or resolve a foreclosure. Consider consulting the appropriate qualified professionals regarding your individual circumstances.
Important distinction
Pre-Foreclosure vs. Foreclosure
People often use these words interchangeably. In everyday language, “pre-foreclosure” usually describes a period when payments are behind but a case has not been filed, while “foreclosure” describes a formal legal process. The actual status of any property depends on the specific notices, filings and circumstances involved, and this page cannot determine which applies to you.
If you have received court papers, a judgment or a scheduled sale date, consider contacting a qualified New York attorney or a HUD-approved housing counselor promptly.
Understanding the Property Can Be Part of Understanding Your Options.
Whatever direction you eventually take, these are the real estate details that usually matter most.
- The property's potential market value today
- Recent comparable sales nearby
- The estimated mortgage balance on the property
- Possible equity, based on the information available
- Current property condition
- What preparation would or would not involve
- Timing considerations
- Current competition from similar properties
Estimated equity is not the same as net proceeds from a sale. Mortgages, liens, taxes, closing costs and other obligations may affect actual proceeds.
Real Homeowner Resources
These 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.
HUD-approved housing counseling
Free or low-cost counseling from agencies approved by the U.S. Department of Housing and Urban Development, including help understanding options with your servicer.
Find a HUD-approved counselorNew York homeowner assistance and foreclosure resources
The New York State Department of Financial Services maintains information and help for homeowners facing mortgage difficulty.
New York State help for homeownersLegal assistance
LawHelpNY lists free and low-cost legal help across New York State, including housing and foreclosure matters.
Find legal help in New YorkYour mortgage servicer
The company you send payments to is the one that can discuss your account, any past-due balance and the programs it offers. Their contact details are usually on your monthly statement.
These links are provided for information only. Consider speaking with the appropriate qualified professional about your individual circumstances.
Where Real Estate Guidance Fits In.
Ravyn can help with the real estate side of the picture — the property, the market and what a sale would realistically involve if you ever chose that path.
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Understanding current property value
What the property may be worth in today's market, and what would move that figure up or down.
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Reviewing relevant comparable sales
Nearby properties that genuinely compare, reviewed individually rather than averaged.
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Property condition from a market perspective
How condition and presentation affect the buyers who would consider the property.
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As-is versus preparation
What preparing the property would involve, and where selling as-is is a reasonable path.
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Potential buyer expectations
What buyers and their lenders typically ask for, so nothing comes as a surprise later.
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Current competition
What similar properties nearby are doing right now, and how that affects timing.
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Potential listing strategy
Timing, pricing approach and marketing, if and when selling is chosen.
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A realistic selling range
An honest range based on the property and the market, rather than a number designed to please.
What requires another professional?
Mortgage modification, forbearance, repayment plans, foreclosure defense, bankruptcy, legal rights, tax consequences, loan servicing disputes and court deadlines fall outside real estate brokerage. Those may require your mortgage servicer, a HUD-approved housing counselor, an attorney, a tax professional or another appropriately qualified adviser. Ravyn Teré Green and YourHomeSoldGuaranteed Realty Besmatch do not provide legal, tax or foreclosure-prevention advice and cannot stop, delay or resolve a foreclosure.
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Meet the real estate professional
Ravyn Teré Green
Associate Broker · YourHomeSoldGuaranteed Realty Besmatch
“Before deciding whether selling makes sense, let's understand the property and the real estate picture.”
Ravyn helps New York property owners understand the real estate side of difficult property situations. The first goal is clarity — the property, the market and the available real estate paths — so that whatever you decide, you decide it with real information.
- 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 basic information about the property and who is living there.
- 2
Tell us where things stand
Share only what you're comfortable sharing. “Not sure” is always an option.
- 3
Understand the real estate picture
Property characteristics, condition, comparable sales and current competition can be considered.
- 4
Choose your next step
Use the information to decide what deserves further exploration, including keeping the property.
Submitting this form does not require you to sell or list your property.
Questions New York Property Owners Often Ask
Do I have to sell if I'm behind on payments?
No. Being behind on a mortgage does not require anyone to sell. Many homeowners explore options with their servicer, a HUD-approved housing counselor or an attorney first, and some keep the property.
Am I in pre-foreclosure or foreclosure?
That depends on the actual notices, filings and circumstances in your case, and it is not something this page can determine. A qualified attorney or a HUD-approved housing counselor can review your documents with you.
Can Ravyn stop my foreclosure?
No. Ravyn is a licensed real estate professional, not an attorney, lender, servicer, housing counselor or government agency, and cannot stop, delay or resolve a foreclosure. Be cautious of anyone who promises otherwise.
Can Ravyn negotiate with my mortgage company?
Ravyn's role is real estate brokerage guidance — the property, the market and what a sale would involve. Mortgage, foreclosure and legal negotiations may require your servicer, a HUD-approved housing counselor, an attorney or another qualified professional.
Will asking about my property affect my mortgage?
No. Requesting real estate information is not a communication with your lender or servicer and does not change your loan in any way.
Do I need to know how far behind I am?
No. Every question about your situation includes “Not sure” and “Prefer not to say,” and you can request property information without answering them.
What if a sale or auction date has already been scheduled?
A scheduled date is time-sensitive. Consider contacting an appropriate 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.
Is there any cost to request property information?
No. There is no cost and no obligation to list or sell.
What if I want to keep the property?
That is a completely normal answer, and you can say so on the form. You will receive real estate information and the homeowner resources listed on this page, not a push toward listing.
Who will see the information I share?
Your information goes to Ravyn Teré Green at YourHomeSoldGuaranteed Realty Besmatch. Details about payments, notices or court documents are never shared with advertising platforms.
No cost • No obligation to list
You Don't Have to Make a Decision Before You Understand the Property.
Start with the property, its potential market position and the real estate options that may be worth considering.
No cost • No obligation to list
Questions first? Read through your selling options.