We continue to offer one-on-one counseling, group information sessions, and off-site workshops for homeowners in Dutchess County to help them assess their financial situation and their options for homeownership preservation, including loan modifications. Additional sessions on loan modifications are available. In addition, our counselors are available to meet one-on-one with homeowners to assist you:
Our counselors are trained in all aspects of the foreclosure process. Wherever you believe you are in this process, we urge you to contact us. We will review your case and advise you as to the best course of action depending on what stage of the foreclosure process you are in. Our counselors will not charge you a fee for our services. We are recipients of federal, state and local funding that has been made available by the government to assist in stemming the housing crisis.
If you are a resident of a county other than Dutchess, please refer to the HUD website to find a certified housing counseling agency in your area.
If you are faced with the possibility of foreclosure, the last thing you need is to wonder about whether the help you are getting is legitimate. That’s why it’s so important that you work with a HUD-certified housing counseling agency like Hudson Valley Foreclosure Prevention Services. Only HUD-certified agencies have counselors who are fully trained in providing you the services you need, free of charge.
The best thing you can do if you are falling behind on your mortgage payments is talk to your lender or a HUD-certified housing counselor. “Rescuers” that encourage you not to talk to your lender or a counselor, to sign over your deed, or to live in your home as a renter, are most likely not acting in your best interest, and can actually make the situation worse.
Our counselors are regulated by state and federal agencies and must adhere to standards of conduct and business practice. Our services are fully confidential, and any information about you and your home is provided to us ONLY with your full consent.
If you feel overwhelmed by the amount of information and paperwork that exists regarding your home loan, you are not alone. Many people feel this way, but that doesn’t mean you have to leave the fate of your family’s home in someone else’s hands. Our counselors will make sure you fully understand your current situation and future options BEFORE you make any decisions.
We encourage you to make use of the following resources from our state and local partners. All documents are in Adobe PDF format.
Paths of a Foreclosure in New York State from the Neighborhood Economic Development Advocacy Project
A detailed timeline of the process as well as an extensive glossary of terms.
Help for Homeowners from the New York State Department of Financial Services
General advice on preventing foreclosure, including a timeline, options, and your rights as a homeowner.
Saving Your Home from Foreclosure from the New York State Bar Association
Part of the NYSBA’s People’s Law School. Visit the site for a 20-minute video supplement to the pamphlet.
Residential_Foreclosure_Program:_An_Overview_for_Homeowners from the New York State Unified Court System
Provides basic information about the legal aspects of the foreclosure process.
HomeOwnership Center Manager
(845) 454-9288 - Office