Owning a home is something to be proud of, especially if this is your very first home. While being a homeowner is exciting, rewarding, and a central part of your life, it is also no secret that owning a home comes with a unique set of challenges. Between physically and financially maintaining a home, at times, life can feel overwhelming. This is especially true if you are someone who is currently falling behind on your mortgage payments.
If you find yourself in this unfortunate situation, you should know two things: first, understand that you are not alone. Millions of Americans have found themselves in this situation, and in many cases, it is simply not their fault. Second, you must understand that the sooner you reach out to our firm, the better off you will be. The Orangetown foreclosure defense attorneys here at the Law Offices of David M. Katz have helped individuals throughout the state of New York develop strategies that can help them keep their homes, pay off their debts, and move on with their lives. Contact our firm to learn more about what we can do for you.
Our Legal Services
Of course, the strategy we choose to help save your home from foreclosure largely depends on the specifics of your financial situation, as well as the circumstances of your case. That being said, our experienced team of Orangetown foreclosure defense attorneys at the Law Offices of David M. Katz is proud to provide clients in Orangetown and New York State with the following legal services:
- Foreclosure Defense: There are several ways that a homeowner who is struggling to keep up with payments on their mortgage can avoid foreclosure. Our firm will explore all means of foreclosure defense on your behalf to help you keep your home.
- Loss Mitigation: The bank, the mortgage company, and the homeowner can work together in a process known as loss mitigation to help the homeowner afford their monthly mortgage payments. This process is document-heavy and complicated, so it is important to have a legal team on your side.
- Loan Modification: A loan modification allows a mortgage lender to make changes to a homeowner’s existing loan so that they can have a lower monthly payment, increasing the probability that they can avoid foreclosure. A loan modification is different from refinancing because refinancing gives the homeowner an entirely new loan, whereas a modification makes changes to an existing loan.
- Mortgage Litigation: Unfortunately, mortgage companies may act in an unsavory or illegal manner that results in a lawsuit brought by a current or prospective borrower. This may include lending discrimination, mortgage fraud, contested foreclosures, and foreclosure protection scams. Our firm can help you fight for what matters most against your mortgage company.
Contact an Orangetown Foreclosure Defense Attorney
The bottom line is that if you find yourself falling behind on your mortgage payments, the time to act is now. The attorneys here at the Law Offices of David M. Katz are ready to guide you through every step of the legal process ahead so you can attain the peace of mind you and your family deserve. Contact our seasoned firm to learn more about how our compassionate Orangetown foreclosure defense attorneys can assist you.