At Risk of Foreclosure? We May Be Able To Help.

If you’re at risk of losing your home because you’ve missed payments and have exhausted all other sources of help, the New York State Mortgage Assistance Program (NYS-MAP) may be an option for you.

NYS-MAP provides a 0% interest mortgage loan up to $80,000 to eligible New York homeowners at risk of foreclosure.

Please note: As of February 1, 2019, NYS-MAP will no longer be accepting loan applications requesting a loan amount greater than $40,000. Please keep this in mind as you work on your application with your housing counseling or legal services provider.

Any new applicants for NYS-MAP who may require a loan of more than $40,000 should submit their completed application and all required paperwork no later than that deadline. Completed applications for greater than $40,000 that have already been submitted prior to the February 1, 2019, deadline will continue to be evaluated and processed normally.

Thank you in advance for your cooperation as we begin this transition! If you have any questions, please contact us at 855-NYSMAP-3 or at

To see if you might be eligible for NYS-MAP, please fill out the following form so that we can connect you with a government-vetted non-profit housing counselor or legal services provider in your region.

If you have previously filled out this form or are in the application process for the NYS-MAP program, please call the Homeowner Hub at (855) NYS-MAP3. Please do not re-submit this form.

New York State Mortgage Assistance Program

Contact us at 855-NYSMAP-3.

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What You Need to Know:

Who administers the program?

The New York State Mortgage Assistance Program is administered by the Center for NYC Neighborhoods, a non-profit organization that promotes and protects affordable homeownership. Loans are made by Sustainable Neighborhoods LLC, a wholly-owned subsidiary of the Center.

To learn more about the Center for NYC Neighborhoods, visit You can also view our non-profit status here.

Who is eligible?

To be eligible, homeowners must have experienced a financial hardship and must demonstrate an ability to afford their housing payments after receiving assistance. There are other requirements a homeowner must also meet in order to be eligible, which the housing counselor or legal services provider we refer you to will explain in detail.

What can loan funds be used for?

Funds can be used to bring a mortgage current, help get a modification, pay off a mortgage or property tax arrears, or settle other debts that could lead to foreclosure.

What are the loan terms?

The loans made under NYS-MAP are mortgage loans that carry 0% interest. No monthly installment payments are required on the loan during its term but the full principal amount is due on the sale or refinance of the home or upon default.

Who vets the housing counseling and legal services providers?

All referrals are made to foreclosure professionals in your community who have been vetted by the New York State Attorney General’s Homeownership Protection Program.

How do I know this isn’t a scam?

The New York Attorney General’s Office helped develop the New York State Mortgage Assistance Program. You can read the press release here. Learn how to spot a scam on the AG’s scam prevention site.