Dear Homeowner

There are few things more disheartening than losing your home to foreclosure sale. Thousands of homeowners, every
month, are facing this financial challenge in their lives. According to your County’s public records, you have already received
your Notice of Default. You are now at a crucial time, where you must be armed with the information and knowledge necessary
to make the best financial decision possible concerning your property. Once you know all of your options, you can confidently
make wise choices that can impact the rest of your life. Our goal is to put your personal power back in your hands. However,
when faced with pending foreclosure sale, you must act immediately.
We want to help you fully understand your options today. You can still avoid having a foreclosure on your credit record.
All consultations are completely confidential and absolutely free. Don’t wait another minute, call Toll-Free: 516-837-0145.
Please take a moment to consider important and relevant facts (below) when comparing Short Sale versus Foreclosure.


  • A Negotiated Settlement
  • Credit can be repaired within 1-2 years
  • Can be eligible to buy another home in 2 years
  • Low Attorney Fees (in some cases, none)
  • Often includes liens that affect the property in a sale
  • Bank pays all fees and broker commissions
  • Get paid up to $10,000 in relocation assistance
  • Deficiency is usually waived


  • Courts may dictate settlement
  • Credit affected for up to 7-10 years
  • Ineligible to buy another home for 7-10 years
  • High attorney fees, foreclosure & court costs
  • Your liability to other creditors can remain
  • Unpaid Interest & attorney fees are added to principal
  • You may have to vacate within 72-hours without assistance
  • May still be liable for deficiency

Download Forms

NYS DOS Fair Housing Disclosure 2020

NYS DOS Fair Housing Posting

NYStateMLS Agency Disclosure

NYStateMLS Broker Buyer Agreement

NYStateMLS Cobroke Agreement

NYStateMLS Exclusive Right to Sell

NYStateMLS Property Condition Disclosure


Standard Operating procedures NYS

Borrower Affidavit of Financial Hardship

Borrower Decline_Opt-Out Modification Option

Borrower Letter of Intent

Borrower Phase 1

Borrower Short Sale Addendum

Borrower Short Sale Disclosure Affidavit

Borrower Third-Party Authorization