Foreclosure options in New York

Know where you stand before the dates pass.

A public filing does not mean you are out of choices. Go Asset can help you understand what selling could look like, what your property may be worth, and which no-cost housing counseling resources may also be available to you.

A straight read on what your property may be worth
What a sale before the auction date could look like
Where to find free HUD- and DFS-approved housing counseling

Prefer to speak directly?
Thomas Droscoski
(516) 672-2449 | tomd@goasset.com

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In New York State, Housing Counselors, who are approved by the U.S. Department of Housing and Urban Development or the New York State Department of Financial Services, may provide the same or similar services as a distressed property consultant for free. A list of approved Housing Counselors can be found on the New York State Department of Financial Services website at dfs.ny.gov or by contacting the New York State Department of Financial Services toll-free at 1-800-342-3736. You should consider consulting an attorney or a government-approved housing counselor before signing any legal document concerning a distressed property consultant.

A practical first step

Foreclosure pressure narrows your timeline. It does not erase your options.

Most homeowners we speak with want a straight answer: what is the property worth, what does the timeline look like, and what happens if selling becomes the best path? Go Asset is a licensed New York real estate brokerage based in Hauppauge. We focus on the sale side of the conversation and encourage you to speak with legal counsel or an approved housing counselor about legal, loan-modification, and loss-mitigation questions.

Selling before auction

If there is equity in the property, a market sale may let you resolve the debt and preserve what is left instead of waiting for a foreclosure sale.

Short sale review

If the mortgage balance is higher than the current value, a lender may consider accepting less than is owed. Approval belongs to the lender and is never guaranteed.

Free counseling resources

HUD- and DFS-approved housing counselors can discuss options Go Asset does not provide, including loan-modification and reinstatement resources.

Clear boundaries

What Go Asset can and cannot do

We can help with

A broker price opinion and practical read on the local market.
A sale strategy if selling the property makes sense for you.
Coordination around access, marketing, offers, and closing logistics.
Pointing you toward HUD- and DFS-approved housing counseling resources.

We cannot promise

That a foreclosure will be stopped, delayed, or avoided.
That a lender will approve a short sale, modification, or refinance.
Legal, tax, mortgage, or financial advice.
Any government program approval. Go Asset is not a government agency.