Thousands of New Yorkers are at risk of foreclosure or targets of scams each year. We're here to provide you with the tools and support to avoid these traps and to find free, qualified mortgage assistance relief services from a network of trusted partners.

By watching out for scams, you can protect your home and your neighbors.

Homeowner scams

With real estate increasingly valuable in New York, many scam artists are preying on the misfortunes of homeowners who are struggling to make payments on their mortgages. The best antidote is to learn how to spot scams, and to avoid them altogether.

I’ve fallen behind on my house payments and now the bank is sending me scary letters.


In 2017, over 12,000 homes were in foreclosure in New York, according to the Furman Center. While this is a significant decline from the height of the housing crisis a decade ago, New York State still has one of the highest foreclosure rates in the country. Thankfully, the Center for NYC Neighborhoods and our network of community-based organizations can work closely with each individual homeowner and their unique circumstances to work through their housing needs.

Is a reverse mortgage a good idea for me if I want to access the equity in my home?


Over the past few years, reverse mortgages have become increasingly popular among aging homeowners. For many retired homeowners, it is a source of extra income that allows them to tap into their home equity. The process has also become simpler and safer for those who are interested in applying. That being said, there are many factors to keep in mind — including potential risks — when considering a reverse mortgage.

It’s never too late to think about future home repairs!

Home Repairs

New York City’s housing stock is getting older. Most of the city’s housing was built more than 50 years ago. For homeowners, maintaining these older structures and making much-needed repairs can strain family budgets.


Tax LiEns

Each year, the New York City Department of Finance sells the liens of properties that have unpaid debts — including property taxes, water bills, and other charges — that can result in an increased financial burden for families already behind on their bills. Once a tax lien is sold, a third-party collection agency can add fees and interest of up to 18 percent, compounded daily. This mounting debt can force some homeowners into foreclosure.