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I am a homeowner and have fallen behind on my mortgage – will I be foreclosed on?

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  • Similar to evictions, mortgage and tax foreclosure proceedings have been put on hold until May 1, 2021.
  • Homeowners or a landlord who owns smaller than 10 residential properties must file a hardship declaration with their mortgage lender or any other foreclosing party to prevent the foreclosure.
  • Local governments cannot engage in tax foreclosure sales until at least May 1, 2021.
  • A copy of the hardship declaration specific to homeowners can be found here: https://www.tax.ny.gov/pdf/current_forms/orpts/rp1102ds_fill_in.pdf