Reinstatement
Bring the loan current by paying the past-due balance and eligible fees by an agreed date.
Private help for New York homeowners
Behind on your mortgage? You still may have options.
The sooner you understand your timeline, loan balance, and property equity, the more choices you may have. I’ll help you review the real estate side of your situation calmly, privately, and without pressure.
Start with the facts.
- Your situation stays private.
- There is no obligation to list your home.
- You receive a clear review of possible next steps.
- I can coordinate with qualified legal and financial professionals when needed.
Know your options
Foreclosure is a process—not your only path.
The right option depends on your lender, hardship, loan type, equity, and how far the process has progressed. These are common paths worth discussing early.
Loan modification
Ask your servicer whether the rate, term, payment, or past-due balance can be adjusted.
Repayment or forbearance
Explore a structured catch-up plan or a temporary reduction or pause in payments.
Sell before foreclosure
If there is enough time and equity, a traditional sale may help you pay the loan and protect remaining equity.
Short sale or deed in lieu
When the balance and market value do not align, your lender may consider an approved alternative to foreclosure.
Legal guidance
A qualified foreclosure attorney can explain your rights, court deadlines, defenses, and whether bankruptcy should be considered.
What to do now
Do not wait for the situation to become urgent.
01
Open every notice
Keep lender and court notices together. Write down every deadline and upcoming sale date.
02
Call your mortgage servicer
Ask specifically for the loss mitigation department and available retention or exit options.
03
Gather key documents
Collect your mortgage statement, notices, income information, monthly expenses, and hardship details.
04
Review your equity and timeline
I can help estimate market value, selling costs, and possible net proceeds so you can make an informed decision.
05
Get independent help
Speak with a qualified foreclosure attorney or nonprofit housing counselor before signing documents or paying anyone.
Protect yourself
Be careful with foreclosure rescue promises.
Only your lender or loan servicer can approve a loan modification. Be cautious of anyone demanding upfront fees, guaranteeing they can stop foreclosure, or pressuring you to sign over your deed.
Confidential conversation
Let’s review your situation before you make a decision.
Share only what you are comfortable sharing. I’ll personally follow up to learn about your timeline, property, and goals.
Kaisha Bernard
Licensed Real Estate Salesperson
Landmark Elite Homes
Important: I am a licensed real estate salesperson, not an attorney, tax professional, housing counselor, or mortgage servicer. This page provides general information and is not legal, tax, credit, or financial advice. Available options and eligibility vary. Contact your servicer and a qualified New York attorney or nonprofit housing counselor promptly for advice about your specific situation.