New York Home Loan Modification – Modify Your Mortgage in New York

Free Loan Modification Consultation

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New York was unable to evade the increasing problem of foreclosed homes. In addition to that, the number of investors decreased because of the economic meltdown that struck the whole nation. These two factors affect the whole state especially in the economic side of the society. The lender needs to deal with a huge number of properties that he/she is unable to sell.

On the other hand, his/her clients lost their homes, because they are unable to pay for the monthly rates. The new law approved by the government can give a solution for these issues in the banking system. The new law, known as the loan modification program, permits the debtor to request for a revision of the mortgage. Before you can get changes in your current mortgage agreement, you must know all about the basic information regarding the processes involved.

First of all, keep in mind that you do favor for the bank when you request for better and affordable terms; if you default, you will suffer the foreclosure of your home but the bank will suffer the consequences of it as well. The bank will go for a re-negotiation instead of foreclosure; however, you must be well prepared for it. You can gather and organize in one file all the proof of your monthly income as well as the expenses. With this evidences, you can prove that currently, you are unable to keep up with the current contract. The bank will not offer loan modification to the people with no financial setbacks and able to pay the monthly rates. The incapacity to make the monthly payments is the critical factor in determining your qualification for the modification process.

You should also bring with you the evidence that your monthly income changes over the last months and it decreased considerably due to the recession happening all over the world. After gathering all the needed documents, ask or scheduled an appointment with a representative from the bank to talk things about the process. He/she will study and analyze all the conditions and make you various offers; choose the best one that is suitable for your need. The best option possible for you is to extend the loan period, for your rates to become affordable for your budget.

The New York Loan Modification program saved several homes from being foreclosed. Thanks to this law, everyone have a convenient option, even if he/she is the borrower or the lender.

New York Mortgage Companies

Countrywide Home Loans Inc

New York
159 FIFTH AVENUE
BROOKLYN, NY 11217
Tel: (718) 623-2255
Fax: (718) 638-0765
Brooklyn, NY Mortgage & Property Information

10510 QUEENS BLVD STE 2
FOREST HILLS, NY 11375
Tel: (718) 261-8230
Fax: (718) 261-8275
Forest Hills, NY Mortgage & Property Information

1055 FRANKLIN AVE STE 100
GARDEN CITY, NY 11530
Tel: (516) 535-7000
Fax: (516) 294-3223
Garden City, NY Mortgage & Property Information

100 MOTOR PKWY STE 110
HAUPPAUGE, NY 11788
Tel: (631) 300-2800
Fax: (631) 273-2614
Hauppauge, NY Mortgage & Property Information

330 S SERVICE RD STE 127
MELVILLE, NY 11747
Tel: (631) 847-8200
Fax: (631) 293-6839
Melville, NY Mortgage & Property Information

330 S SERVICE RD STE 129
MELVILLE, NY 11747
Tel: (631) 755-4100
Fax: (631) 454-2174
Melville, NY Mortgage & Property Information

820 STATE ROUTE 9 STE 1310
QUEENSBURY, NY 12804
Tel: (518) 742-2400
Fax: (518) 745-5237
Queensbury, NY Mortgage & Property Information

260 CHRISTOPHER LN STE 202
STATEN ISLAND, NY 10314
Tel: (718) 983-3900
Fax: (718) 983-6955
Staten Island, NY Mortgage & Property Information

3800 BREWERTON RD
SYRACUSE, NY 13212
Tel: (315) 458-4777
Fax: (315) 458-9499
Syracuse, NY Mortgage & Property Information

333 EARLE OVINGTON BLVD #101
UNIONDALE, NY 11553
Tel: (888) 224-7517
Fax: (516) 794-2980
Uniondale, NY Mortgage & Property Information

96 TRIANGLE CENTER
YORKTOWN HEIGHT, NY 10598
Tel: (914) 962-5004
Fax: (914) 962-5260
Yorktown Height, NY Mortgage & Property Information

New York Legal Services

Statewide
Empire Justice Center

Assistance: Housing
Location: Albany, Rochester, White Plains, Long Island
Website: http://www.empirejustice.org
Phone: 518-462-6831, 585-454-4060, 914- 422-4451, 631- 650-2317
Services: Provides legal assistance to those in need and undertake impact litigation in order to protect and defend the rights of disenfranchised New Yorkers.

Long Island
Nassau/Suffolk Law Services Committee Inc.

Assistance: Foreclosure
Location: Hempstead, Islandia, Riverhead
Website: http://www.nslawservices.org
Phone: Hempstead 516-292-8100, Islandia 631-232-2400, Riverhead 631-369-1112
Fax: Hempstead 516-292-6529, Islandia 631-232-2400, Riverhead 631-369-1612
Services: The Nassau/Suffolk Law Services Committee Inc. provides civil legal services, including representation in foreclosure proceedings, to low-income people in Nassau and Suffolk Counties.

Mid-New York
Legal Aid Society of Mid-New York

Assistance: Foreclosure
Location: Binghamton, Cortland, Norwich, Oneonta, Oswego, Syracuse, Utica, Watertown
Website: http://www.lasmny.org
Phone: Binghamton 607-231-5900, Cortland 607-428-8400, Norwich 607-336-8256, Oneonta 607-433-2600, Oswego 315-532-6900, Syracuse 315-703-6600, Utica 315-793-7000, Watertown 315-955-6700
Fax: Binghamton 607-724-7211, Cortland 607-753-7257, Norwich 607-334-8004, Oneonta 607-433-1433, Oswego 315-342-1891, Syracuse 315-671-0062, Utica 315-732-3202, Watertown 315-785-9118
Services: The Legal Aid Society of Mid-New York provides civil legal services, including representation in foreclosure proceedings, to low-income people in Broome, Cayuga, Cortland, Chenango, Delaware, Herkimer, Jefferson, Lewis, Madison, Oneida, Onondaga, Oswego, and Otsego Counties.

New York City
Legal Services NYC

Assistance: Foreclosure
Location: Bronx, Brooklyn, Manhattan, Queens, Staten Island
Website: http://www.lsny.org
Phone: Bedford-Stuyvesant 718-636-1155, Bronx 718-928-3700, Bushwick 718-487-0800, East Brooklyn 718-487-1300, Jamaica 347-592-2200, Long Island City 347-592-2200, Lower Manhattan 646-442-3100, South Brooklyn 718-237-5500, Staten Island 718-233-6480, Upper Manhattan 212-348-7449, Williamsburg 718-487-2300
Fax: Bedford-Stuyvesant 718-398-6414, Bronx 718-402-7566, Bushwick 718-326-2944, East Brooklyn 718-342-1780, Jamaica 718-526-5051, Long Island City 718-937-5350, Lower Manhattan 212-227-9798, South Brooklyn 718-855-0733, Staten Island 718-448-2264, Upper Manhattan 212-348-4093, Williamsburg 718-782-6790
Services: Legal Services NYC provides civil legal services, including representation in foreclosure proceedings, to low-income people in all five boroughs of New York City.

Northeastern New York
Legal Aid Society of Northeastern New York

Assistance: Foreclosure
Location: Albany, Amsterdam, Canton, Plattsburgh, Saratoga Springs
Website: http://www.lasnny.org
Phone: Albany 800-462-2922, Amsterdam 800-821-8347, Canton 800-822-8283, Plattsburgh 800-722-7380, Saratoga Springs 800-870-8343
Fax: Albany 518-427-8352, Amsterdam 518-843-1792, Canton 315-386-2868, Plattsburgh 518-563-4058, Saratoga Springs 518-587-0959
Services: The Legal Aid Society of Northeastern New York provides civil legal services to low-income people in Albany, Clinton, Columbia, Essex, Franklin, Fulton, Greene, Hamilton, Montgomery, Rensselaer, St. Lawrence, Saratoga, Schenectady, Schoharie, Warren, and Washington Counties. As a response to the foreclosure crisis, the organization has launched a Foreclosure Prevention Project through which they provide representation in foreclosure proceedings to low-income homeowners.

Western New York
Erie County Bar Association Volunteer Lawyers Project

Assistance: Foreclosure
Location: Buffalo
Website: http://www.ecbavlp.com
Phone: 716-847-0662
Fax: 716-847-0307
Services: The Erie County Bar Association Volunteer Lawyers Project provides representation to clients in mortgage and tax foreclosure cases in Erie County.

Legal Assistance of Western New York

Assistance: Foreclosure
Location: Bath, Elmira, Geneva, Ithaca, Jamestown, Olean, Rochester
Website: http://www.lawny.org
Phone: Bath 877-776-4126, Elmira 607-734-1647, Geneva 866-781-5235, Ithaca 800-724-4170, Jamestown 866-664-4567, Olean 888-767-1950, Rochester 585-325-2520
Fax: Bath 607-776-4029, Elmira 607-734-1018, Geneva 315-781-2565, Ithaca 607-273-5521, Jamestown 716-664-7179, Olean 716-373-7771, Rochester 585-325-2559
Services: Legal Assistance of Western New York provides civil legal services, including representation in foreclosure proceedings, to low-income people in Allegany, Cattaraugus, Chautauqua, Chemung, Livingston, Monroe, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne, and Yates Counties.

Avoid Mortgage Scams New York

Attention homeowners: If you think you have been a victim of a scam, or approached by a scammer, report it to the Loan Modification Scam Prevention Network now! Your complaint could provide vital information that will help put loan modification scammers out of business.

Call 1-888-995-HOPE (With your permission, the complaint will automatically be shared with federal, state and local law enforcement)

If the answer to either question is “yes,” report the potential scam now by calling 1-888-995-HOPE or by filling out the simple online complaint form.