Where Are You in the New York Foreclosure Timeline?
Select the most recent notice or court event in your case, and the timeline below marks where that stage falls in New York’s judicial foreclosure process.
This tool is general education about the New York foreclosure process, not legal advice about your case. Nothing you select here is stored or sent anywhere.
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Missed payments and early notices
You are hereBefore any case is filed, the loan servicer sends notices about the default. Reviewing the loan file can begin at this point.
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The 90-day pre-foreclosure notice
You are hereRPAPL 1304 requires a 90-day pre-foreclosure notice to the homeowner for most home loans before a foreclosure action can proceed.
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The summons and complaint
You are hereThe party holding the loan files a lawsuit in New York State court and serves the homeowner. A response is due within a set number of days.
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The settlement conference
You are hereResidential cases are directed to a court-supervised settlement conference, where the parties appear before a court referee.
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Motion practice
You are hereIf the case is not resolved, either side may file motions, including a motion for summary judgment. The defenses in the file are argued at this stage.
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Judgment and sale
You are hereIf no resolution is reached, the court may enter a judgment and direct a sale. Many cases are resolved before this point.
What this stage generally means
No foreclosure case has been filed at this stage. The servicer’s notices describe the default, and this is generally the widest window: loss mitigation can be pursued and the loan file can be reviewed before any court deadline exists.
The 90-day notice is a required pre-lawsuit warning, not a foreclosure. It opens a window that exists largely so a homeowner can pursue a loan modification or other workout, and how the notice itself was written and mailed can later matter in court.
A foreclosure lawsuit has been filed, and a response is due within a set number of days. Filing an answer preserves defenses and counterclaims; missing that deadline can limit the defenses available later. This is the most time-sensitive point in the process.
Residential cases are directed to a court-supervised settlement conference under CPLR 3408, where modification and other resolutions are discussed and the parties are expected to negotiate in good faith. A modification and a foreclosure defense are not mutually exclusive; both can be examined at once.
This is where the defenses in the file are argued, often on a motion for summary judgment. The court record built so far carries the weight, and deadlines to respond to motions are strict.
This is the narrowest window, and timing matters most here. What remains possible depends heavily on the specific posture of the case and the file, and that is a question only a review of the actual papers can answer.
The stage you are in shapes which options remain open, from raising defenses to loss mitigation. What is possible in your specific case depends on your file and your deadlines, and only a review of the actual papers can answer that. A licensed New York attorney reviews every application.
Prior results do not guarantee a similar outcome. Every case turns on its own facts.