Foreclosures in New York City

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1 Foreclosures in New York City Thomas P. DiNapoli New York State Comptroller Kenneth B. Bleiwas Deputy Comptroller Report March 211 Since the housing bubble burst in 27, many homeowners across the nation have faced foreclosure. According to RealtyTrac, the number of new foreclosure filings rose sharply through 29, and even though banks temporarily suspended filings because of documentation problems, foreclosure filings still reached a new high in 21. The foreclosure crisis has been less severe in New York State and New York City, but the foreclosure filing rate in some parts of the City was higher than the national rate in 29. Although the statewide 9- day mortgage delinquency rate has begun to ease, and the number of new foreclosure filings fell sharply in 21 (due in large part to the banks temporary halt in new filings), the share of New York State mortgages in the foreclosure process continues to grow. In 26, there were 5.8 foreclosure filings for every 1, households in the nation, but the rate rose to 22.2 by 21 (see Figure 1). The number of foreclosure filings rose from 718, in 26 to almost 3 million in 21 (see Figure 1). California had the largest number of foreclosure filings in 21 (546,67) and Nevada had the highest foreclosure filing rate (9.9 per 1, household units). New York s foreclosure filing rate ranked 21st in the nation in 26 but fell to 42nd in 21 [see Appendix 1]. The foreclosure crisis followed a large increase in subprime mortgages. In New York State, the number of subprime mortgages grew by 83.8 percent from 24 to 26, and the subprime share of mortgages doubled, to 28 percent (see Figure 2). In subsequent years, the share fell sharply as lending standards were tightened. The Mortgage Bankers Association reports that while the statewide mortgage delinquency rate has begun to ease, the percentage of mortgages in the foreclosure process continues to grow (see Figure 3). TransUnion recently reported that mortgage delinquency rates have risen in New York City s outer boroughs compared to one year earlier, which could fuel future foreclosure filings. The State s foreclosure filing rate more than doubled between 26 and 28, to 6.3 filings per 1, households, before easing in 21. The number of filings doubled to 5, by 28, but fell to 43,9 in 21 (see Figure 4). Rate per 1, Households Percentage Percentage of Total Mortgages Rate per 1, Households Figure 1 Foreclosure Filings in the United States 5 Foreclosure Filing Rate Number of Foreclosure Filings ,, 2,5, 2,, 1,5, 1,, 5, Figure 2 Subprime Mortgages as a Share of Total Mortgage Originations in New York State Sources: Federal Reserve Home Mortgage Disclosure Act; OSC analysis Figure 3 Mortgage Delinquencies and Foreclosure Inventory in New York State Q4 21Q3 21Q2 21Q1 29Q4 29Q3 29Q2 29Q1 28Q4 28Q3 28Q2 28Q1 27Q4 27Q3 27Q2 27Q1 26Q4 26Q3 26Q2 26Q1 25Q4 25Q3 25Q2 25Q1 24Q4 24Q3 24Q2 24Q1 23Q4 23Q3 23Q2 23Q1 Notes: Data are not seasonally adjusted.delinquencies reflect mortgages with payments more than 9 days late. Inventory reflects all mortgages in the foreclosure process. Source: Mortgage Bankers Association Day Mortgage Delinquencies 27 Foreclosure Inventory Figure 4 Foreclosure Filings in New York State Foreclosure Filing Rate 28 Number of Foreclosure Filings , 5, 4, 3, 2, 1, Number of Foreclosure Filings Number of Foreclosure Filings Office of the State Comptroller 1

2 The foreclosure filing rate exceeded the statewide average in 13 of 62 counties in 29 (see Figure 5), including three in New York City (Kings, Queens, and Richmond). [Appendix 2 shows all counties for 29 and 21.] Between 26 and 29, the number of foreclosure filings in New York City rose by 31.7 percent to 22,886. Queens had the largest number of foreclosure filings (8,964), followed by Brooklyn (7,18), the Bronx (3,), Staten Island (2,646), and Manhattan (1,168). The borough of Queens accounted for eight of the ten neighborhoods in New York City (of the 55 City neighborhoods defined by the U.S. Census Bureau) with the largest increase in foreclosure filing rates from 26 to 29, including the top six. [Appendix 3 shows change by neighborhood.] In 29, Staten Island had the second-fewest number of foreclosure filings, but it had the highest foreclosure filing rate (14.8 per 1, households), followed by Queens (1.8), Brooklyn (7.4), the Bronx (5.8), and Manhattan (1.4). Figure 6 shows the ten City neighborhoods with the highest foreclosure filing rates in 29. Half were located in Queens (including the top four). Figure 9 on the next page maps the 29 rates by neighborhood. In 21, foreclosure filings in New York City fell sharply by 24.9 percent, to 17,191. More than two-thirds of the reduction was in Queens, where foreclosure filings fell by 45 percent. While Queens had the largest number of filings in 29, Brooklyn had the largest number in 21. In 21 Staten Island still had the highest foreclosure filing rate, but Brooklyn moved ahead of Queens with the second-highest rate. Figure 7 shows the ten neighborhoods in New York City with the highest foreclosure filing rates in 21. Half were located in Brooklyn. The neighborhood of Jamaica had the largest number of foreclosure filings and the highest foreclosure rate among City neighborhoods in 29, and while it still had the largest number of filings in 21, its foreclosure filing rate ranked second. [Appendix 4 shows changes in foreclosure filings and rates by neighborhood for this period.] Between 26 and 28, the number of actual foreclosures in the City rose tenfold to 2,543. Over the past three years, a total of 5,456 homes were lost. Figure 8 shows the ten neighborhoods in which the most homes were lost. Figure 5 Counties With Foreclosure Filing Rates Greater Than the Statewide Rate in 29 New York State Livingston Erie Broome Kings Monroe Westchester Queens Rockland Nassau Suffolk Orange Richmond Putnam Per 1, Household Units Figure 6 New York City Neighborhoods With Highest Foreclosure Filing Rates per 1, Households in 29 Neighborhood Borough Number Rate 1 Jamaica Queens 2, Bellrose/Rosedale Queens 1, Howard Beach/South Ozone Park Queens Kew Gardens/Woodhaven Queens 1, North Shore Staten Island 1, East New York/Starrett City Brooklyn 1, Rockaways Queens Flatlands/Canarsie Brooklyn 1, South Shore Staten Island Williamsbridge Bronx Figure 7 New York City Neighborhoods With Highest Foreclosure Filing Rates per 1, Households in 21 Neighborhood Borough Number Rate 1 East New York/Starrett City Brooklyn 1, Jamaica Queens 1, North Shore Staten Island 1, Bellrose/Rosedale Queens Flatlands/Canarsie Brooklyn Brownsville/Ocean Hill Brooklyn South Shore Staten Island East Flatbush Brooklyn Bedford-Stuyvesant Brooklyn Howard Beach/South Ozone Park Queens Figure 8 New York City Neighborhoods With Highest Number of Foreclosures During Real Estate-Owned (REO) Foreclosures Neighborhood Borough Number 1 Jamaica Queens 1,31 2 Bellrose/Rosedale Queens North Shore Staten Island Kew Gardens/Woodhaven Queens Rockaways Queens Howard Beach/South Ozone Park Queens East New York/Starrett City Brooklyn Bedford-Stuyvesant Brooklyn Mid-Island Staten Island Brownsville/Ocean Hill Brooklyn 15 2 Office of the State Comptroller

3 Figure 9 Foreclosure Filing Rates by Neighborhood in New York City in 29 (Foreclosures per 1, Households) 4 to 7 2 to 4 Office of the State Comptroller 3

4 The foreclosure filing rate is significantly higher in New York City when the rate is based on the number of homeowners (not households) because of the large number of rental units in the City. The City foreclosure filing rate per 1, households averaged 6.9 during 29, but the rate per 1, homeowners was three times higher, at 2.9. Figure 1 shows foreclosure filing rates by borough for both measures. Although the foreclosure filing rate in the City is higher when based on home ownership, the rate is still much lower than in many parts of the nation. Las Vegas had the highest rate of any metropolitan area in the nation in 29 (236.9 per 1, homeowners). Queens had five of the ten neighborhoods with the largest increase in foreclosure filing rates between 26 and 29 based on home ownership. [Appendix 5 shows all City neighborhoods.] Figure 11 shows the ten City neighborhoods with the highest foreclosure filing rates based on home ownership in 29. Most of these neighborhoods are in the Bronx and Brooklyn (whereas Queens dominated the list based on households). [Appendix 6 shows neighborhoods within boroughs using both measures.] Subprime mortgages represented more than 4 percent of all new mortgages in 26 in nine of the ten City neighborhoods with the highest foreclosure filing rates based on home ownership in 29 (see Figure 12). The share of subprime mortgages in these neighborhoods nearly doubled between 24 and 26, and is much higher than the statewide average of 28 percent in 26 [Appendix 7 shows subprime mortgages by neighborhood.] In 21, the citywide foreclosure filing rate declined by 24 percent to 15.7 per 1, homeowners. The Bronx had the highest foreclosure filing rate in 21 when measured as a share of homeowners (27.7 foreclosures per 1, homeowners), followed by Brooklyn, Staten Island, Queens, and Manhattan. Half of the ten City neighborhoods with the highest foreclosure filing rates based on ownership in 21 were located the Bronx; the other half were in Brooklyn (see Figure 13). Foreclosures per 1, Units Figure 1 Comparison of New York City Foreclosure Filing Rates by Borough in Bronx Brooklyn Queens Homeowners Households Staten Island Sources: RealtyTrac; U.S. Census Bureau; OSC analysis Figure 11 New York City Neighborhoods With Highest Foreclosure Filing Rates per 1, Homeowners in 29 Neighborhood Borough Number Rate 1 Mott Haven/Hunts Point Bronx East New York/Starrett City Brooklyn 1, Morrisania/East Tremont Bronx Brownsville/Ocean Hill Brooklyn Jamaica Queens 2, Bedford-Stuyvesant Brooklyn University Heights/Morris Heights Bronx Bushwick Brooklyn Highbridge Bronx Soundview/Parkchester Bronx Sources: RealtyTrac; U.S. Census Bureau; OSC analysis Figure 12 Subprime Mortgages as a Share of Total Mortgages New York City Neighborhoods With Highest Foreclosure Filing Rates in 29 Share Neighborhood Borough Mott Haven/Hunts Point Bronx 23.% 43.6% 2 East New York/Starrett City Brooklyn 28.8% 5.7% 3 Morrisania/East Tremont Bronx 25.3% 44.4% 4 Brownsville/Ocean Hill Brooklyn 29.% 55.% 5 Jamaica Queens 27.9% 54.3% 6 Bedford-Stuyvesant Brooklyn 26.5% 47.% 7 University Heights/Morris Heights Bronx 22.1% 51.4% 8 Bushwick Brooklyn 27.7% 44.1% 9 Highbridge Bronx 21.6% 37.3% 1 Soundview/Parkchester Bronx 22.3% 42.1% Sources: Home Mortgage Disclosure Act; OSC analysis Figure 13 New York City Neighborhoods With Highest Foreclosure Filing Rates per 1, Homeowners in 21 Neighborhood Borough Number Rate 1 East New York/Starrett City Brooklyn 1, Morrisania/East Tremont Bronx Brownsville/Ocean Hill Brooklyn Mott Haven/Hunts Point Bronx Bedford-Stuyvesant Brooklyn Bushwick Brooklyn University Heights/Morris Heights Bronx Soundview/Parkchester Bronx Highbridge Bronx East Flatbush Brooklyn Sources: RealtyTrac; U.S. Census Bureau; OSC analysis Manhattan 4 Office of the State Comptroller

5 Appendix 1 Annual State Rankings Based on Foreclosure Filing Rates Foreclosure Filings per 1, Households Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Source: RealtyTrac Office of the State Comptroller 5

6 29 21 Number Rate Number Rate Albany Allegany Bronx 3, 5.8 2, Broome Cattaraugus Cayuga Chautauqua Chemung Chenango Clinton Columbia Cortland Delaware Dutchess Erie 2, Essex Franklin Fulton Genesee Greene Hamilton 1.1. Herkimer Jefferson Kings 7, , Lewis Livingston Madison Monroe 2, , Montgomery Nassau 6, , New York 1, Niagara Oneida Onondaga Ontario Orange 1, , Orleans Oswego Otsego Putnam Queens 8, , Rensselaer Richmond 2, , Rockland 1, , Saint Lawrence Saratoga Schenectady Schoharie Schuyler Seneca Steuben Suffolk 7, , Sullivan Tioga Tompkins Ulster Warren Washington Wayne Westchester 3, , Wyoming Yates Statewide 5, , Source: RealtyTrac; OSC analysis Appendix 2 Foreclosure Filings in New York State by County Rate Represents Foreclosure Filings per 1, Households 6 Office of the State Comptroller

7 Appendix 3 Change in Foreclosure Filing Rates by New York City Neighborhood, 26 to 29 Foreclosure Filings per 1, Households Rank Neighborhood Borough Difference 1 Jamaica Queens Bellrose/Rosedale Queens Kew Gardens/Woodhaven Queens Howard Beach/South Ozone Park Queens Jackson Heights Queens Rockaways Queens Williamsbridge Bronx Chelsea/Clinton/Midtown Manhattan Hillcrest/Fresh Meadows Queens Middle Village/Ridgewood Queens Elmhurst/Corona Queens Borough Park Brooklyn South Shore Staten Island Williamsburg/Greenpoint Brooklyn Soundview/Parkchester Bronx Flatlands/Canarsie Brooklyn Bensonhurst Brooklyn Throgs Neck/Co-op City Bronx Brooklyn Heights/Fort Greene Brooklyn Sheepshead Bay Brooklyn Murray Hill/Turtle Bay Manhattan Sunnyside/Woodside Queens East Harlem Manhattan Flushing/Whitestone Queens Bayside/Little Neck Queens North Shore Staten Island Mid-Island Staten Island Bushwick Brooklyn Mott Haven/Hunts Point Bronx Coney Island Brooklyn Morrisania/East Tremont Bronx Flatbush/Midwood Brooklyn Pelham Parkway Bronx Greenwich Village/Financial District Manhattan Morningside Heights/Hamilton Heights Manhattan Sunset Park Brooklyn Astoria Queens Bay Ridge Brooklyn Central Harlem Manhattan Lower East Side/Chinatown Manhattan Upper West Side Manhattan Kingsbridge Heights/Fordham Bronx Highbridge Bronx Riverdale/Kingsbridge Bronx Prospect Lefferts Gardens Brooklyn Park Slope/Carroll Gardens Brooklyn Forest Hills/Rego Park Queens East New York/Starrett City Brooklyn Upper East Side Manhattan Washington Heights/Inwood Manhattan University Heights/Morris Heights Bronx Crown Heights/Prospect Heights Brooklyn East Flatbush Brooklyn Bedford-Stuyvesant Brooklyn Brownsville/Ocean Hill Brooklyn Citywide Average Office of the State Comptroller 7

8 29 21 % Change Difference Neighborhood Number Rate Number Rate Number Rate Jamaica 2, , % Bellrose/Rosedale 1, % -9.7 Howard Beach/South Ozone Park % -9.1 Kew Gardens/Woodhaven 1, % -8.5 Rockaways % -6.6 Jackson Heights % -5.2 Williamsbridge % -3.9 Elmhurst/Corona % -3.4 Chelsea/Clinton/Midtown % -3.1 Middle Village/Ridgewood % -3. Hillcrest/Fresh Meadows % -2.7 North Shore 1, , % -3.3 Sunnyside/Woodside % -1.9 Flushing/Whitestone % -1.5 East Harlem % -1.5 Bayside/Little Neck % -1.4 Flatlands/Canarsie 1, % -1.8 Williamsburg/Greenpoint % -1.2 Astoria % -1.1 Murray Hill/Turtle Bay % -1.1 South Shore % -1.6 Pelham Parkway % -1.3 Brooklyn Heights/Fort Greene % -1.2 Coney Island % -1.1 Mott Haven/Hunts Point % -1. Soundview/Parkchester % -1. East New York/Starrett City 1, , % -1. Sunset Park % -.8 Park Slope/Carroll Gardens % -.8 Bensonhurst % -.7 Kingsbridge Heights/Fordham % -.7 Throgs Neck/Co-op City % -.9 Flatbush/Midwood % -.7 Bushwick % -.6 Highbridge % -.5 Mid-Island % -.5 Forest Hills/Rego Park % -.4 Morningside Heights/Hamilton Heights % -.4 University Heights/Morris Heights % -.3 Bay Ridge % -.3 Crown Heights/Prospect Heights % -.3 Morrisania/East Tremont % -.3 Greenwich Village/Financial District % -.1 Central Harlem % -.1 Borough Park % -.1 Upper East Side %. Riverdale/Kingsbridge %. Sheepshead Bay %. Bedford-Stuyvesant %. Upper West Side %.1 Lower East Side/Chinatown %.1 Washington Heights/Inwood %.1 Prospect Lefferts Gardens %.2 East Flatbush %.3 Brownsville/Ocean Hill % 1. Citywide 22, , % -1.8 Appendix 4 Change in Foreclosure Filings and Rates by New York City Neighborhood, 29 to 21 Rate Represents Foreclosure Filings per 1, Households 8 Office of the State Comptroller

9 Appendix 5 Change in Foreclosure Rates by New York City Neighborhood, 26 to 29 Foreclosure Rate per 1, Homeowners Rank Borough Neighborhood Difference 1 Bronx Williamsbridge Queens Jamaica Queens Kew Gardens/Woodhaven Bronx Soundview/Parkchester Queens Jackson Heights Manhattan East Harlem Bronx Mott Haven/Hunts Point Queens Bellrose/Rosedale Queens Howard Beach/South Ozone Park Brooklyn Williamsburg/Greenpoint Queens Elmhurst/Corona Manhattan Chelsea/Clinton/Midtown Brooklyn Brooklyn Heights/Fort Greene Brooklyn Bushwick Bronx Morrisania/East Tremont Brooklyn Borough Park Queens Middle Village/Ridgewood Queens Hillcrest/Fresh Meadows Queens Sunnyside/Woodside Queens Rockaways Bronx Throgs Neck/Co-op City Bronx Kingsbridge Heights/Fordham Bronx Pelham Parkway Brooklyn Bensonhurst Brooklyn Flatbush/Midwood Manhattan Murray Hill/Turtle Bay Staten Island North Shore Brooklyn Flatlands/Canarsie Staten Island South Shore Brooklyn Coney Island Brooklyn Sheepshead Bay Queens Flushing/Whitestone Manhattan Greenwich Village/Financial District Queens Bayside/Little Neck Queens Astoria Brooklyn Sunset Park Staten Island Mid-Island Brooklyn East New York/Starrett City Manhattan Lower East Side/Chinatown Brooklyn Bay Ridge Brooklyn Prospect Lefferts Gardens Bronx Riverdale/Kingsbridge Manhattan Upper West Side Brooklyn Park Slope/Carroll Gardens Manhattan Morningside Heights/Hamilton Heights Manhattan Upper East Side Queens Forest Hills/Rego Park Manhattan Central Harlem Brooklyn East Flatbush Brooklyn Crown Heights/Prospect Heights Manhattan Washington Heights/Inwood Bronx Highbridge Brooklyn Bedford-Stuyvesant Brooklyn Brownsville/Ocean Hill Bronx University Heights/Morris Heights Citywide Average Sources: RealtyTrac; U.S. Census Bureau; OSC analysis Office of the State Comptroller 9

10 Appendix 6 29 Foreclosure Filing Rates by New York City Neighborhood Per 1, Units Homeowners Households Brooklyn Bay Ridge Bedford-Stuyvesant Bensonhurst Borough Park Brooklyn Heights/Fort Greene Brownsville/Ocean Hill Bushwick Coney Island Crown Heights/Prospect Heights East Flatbush East New York/Starrett City Flatbush/Midwood Flatlands/Canarsie Park Slope/Carroll Gardens Prospect Lefferts Gardens Sheepshead Bay Sunset Park Williamsburg/Greenpoint Bronx Highbridge Kingsbridge Heights/Fordham Morrisania/East Tremont Mott Haven/Hunts Point Pelham Parkway Riverdale/Kingsbridge Soundview/Parkchester Throgs Neck/Co-op City University Heights/Morris Heights Williamsbridge Manhattan Central Harlem Chelsea/Clinton/Midtown East Harlem Greenwich Village/Financial District Lower East Side/Chinatown Morningside Heights/Hamilton Heights Murray Hill/Turtle Bay Upper East Side Upper West Side Washington Heights/Inwood Queens Astoria Bayside/Little Neck Bellrose/Rosedale Elmhurst/Corona Flushing/Whitestone Forest Hills/Rego Park Hillcrest/Fresh Meadows Howard Beach/South Ozone Park Jackson Heights Jamaica Kew Gardens/Woodhaven Middle Village/Ridgewood Rockaways Sunnyside/Woodside Staten Island North Shore Mid-Island South Shore Citywide Sources: RealtyTrac; U.S. Census Bureau; OSC analysis 1 Office of the State Comptroller

11 Appendix 7 Subprime Mortgages as a Share of Total Mortgage Originations by New York City Neighborhood Mortgages Issued in 24 Mortgages Issued in 26 Neighborhood Number of Subprime Number of Subprime Subprime Share of Total Subprime Share of Total Brownsville/Ocean Hill % 1, % Jamaica 2, % 5, % University Heights/Morris Heights % % East New York/Starrett City % 2, % Williamsbridge % 2,5 49.9% East Flatbush % 1, % Bedford-Stuyvesant % 1, % Morrisania/East Tremont % % Bushwick % 1, % Mott Haven/Hunts Point % % Howard Beach/South Ozone Park % 2, % Bellrose/Rosedale 1, % 3, % Soundview/Parkchester % 1, % Flatlands/Canarsie 1, % 2, % Kew Gardens/Woodhaven % 1, % Rockaways % 1, % Crown Heights/Prospect Heights % % Prospect Lefferts Gardens % % Pelham Parkway % % North Shore 1, % 2, % Highbridge % % Kingsbridge Heights/Fordham % % Jackson Heights % 1,5 3.5% Elmhurst/Corona % % Throgs Neck/Co-op City % % Coney Island % % Middle Village/Ridgewood % % Mid-Island % 1,45 25.% Sunset Park % % South Shore % 1, % Astoria % % Hillcrest/Fresh Meadows % % Sheepshead Bay % % Flatbush/Midwood % % Central Harlem % % Sunnyside/Woodside % % Borough Park % % Flushing/Whitestone % % Brooklyn Heights/Fort Greene % % Riverdale/Kingsbridge % % Bayside/Little Neck % % Williamsburg/Greenpoint 8 7.8% % Bay Ridge % % Park Slope/Carroll Gardens % % Morningside Heights/Hamilton Heights % % East Harlem % % Forest Hills/Rego Park % % Washington Heights/Inwood % % Chelsea/Clinton/Midtown % % Bensonhurst % % Lower East Side/Chinatown 7.7% % Upper West Side 39.9% % Greenwich Village/Financial District 31.9% % Murray Hill/Turtle Bay % % Upper East Side % % Sources: Home Mortgage Disclosure Act; OSC analysis Office of the State Comptroller 11

12 New York State Comptroller Thomas P. DiNapoli Help for Homeowners Facing Foreclosure The foreclosure crisis is putting millions of individuals and families across the nation at risk of losing their homes. Moreover, foreclosures can affect entire neighborhoods. While the crisis has been less severe in New York, some areas of the State have been hurt worse than others. If you find yourself having trouble making your mortgage payments, there are many resources available at no cost to help you understand and possibly avoid foreclosure. Am I at risk for foreclosure? What programs are available to help me keep my home? What should I do if my lender won t work with me? Answers to these questions and more, including foreclosure laws and processes in New York, are available through the U.S. Department of Housing and Urban Development (HUD) by calling or by visiting the website at The Federal Trade Commission (FTC) has created a guide called Mortgage Payments Sending You Reeling? Here s What to Do to help you understand your mortgage and what your options are if you are having trouble making your payments. You can access the guide online at or by calling FTC-HELP ( ). The Federal Deposit Insurance Corporation (FDIC) provides helpful information on how to access programs and resources related to foreclosure, available online at The information includes links to counseling services, loan modification programs, information on foreclosure-related scams, and guidance for avoiding foreclosure. You can get help from the New York Division of Housing and Community Renewal (DHCR) in finding an approved counselor in your area by calling ASK-DHCR, or by visiting to learn more. The New York State Banking Department offers information on the foreclosure process and related laws, and describes some of the different remedies that may be available to you at You can also get more information by calling BANK-NYS ( ), where staff can answer your questions about mortgages and the foreclosure process and can help you find assistance and resources in your area. If you believe you are a victim of foreclosure fraud, call the Consumer Helpline of the New York State Attorney General's Office at Your Money New York is a financial education initiative developed by Comptroller DiNapoli to help individuals and families address money-related issues whether it s getting out of debt, looking for a job, saving for college or retirement, or buying a car or home. Your Money New York gives New Yorkers access to useful and reliable information, and serves as a centralized, coordinated access point for important government resources. To learn more, visit For additional copies of this report, please visit our website at or write to us at: Office of the State Comptroller, New York City Public Information Office 633 Third Avenue, New York, NY 117 (212)

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