---
title: Unresolved Foreclosure Issues a Problem for Many New Yorkers
description: Foreclosure issues in New York
image: https://blog.amerihopealliance.com/hs-fs/hub/161513/file-681355333.jpg
---

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## Unresolved Foreclosure Issues a Problem for Many New Yorkers

\[fa icon="clock-o"\] Tuesday, April 22, 2014  \[fa icon="user"\] [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)  \[fa icon="folder-open'\] [financial worksheet for loan modification](https://blog.amerihopealliance.com/blog/topic/financial-worksheet-for-loan-modification), [loan modification attorney](https://blog.amerihopealliance.com/blog/topic/loan-modification-attorney), [new york foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-york-foreclosure-attorney)

By Suffolk County Bankruptcy Lawyer, the Law Offices of Allison B. Crain & Associates 

Regional Spotlight—***New York ranks third in the nation in the number of homeowners delinquent on their mortgages or in foreclosure***, the Mortgage Bankers Association recently reported. In 2013, the number of foreclosures reached a three-year high in the state. Experts s![Slow_economy](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-685380312.png?width=264&name=file-685380312.png)peculate that the number of high foreclosures is partially due to a still-sluggish local economy. While the unemployment rate is lower than it has been since the end of the Great Recession, many jobs are lower-paying and the unemployment rate is still higher than it was before 2008.

**Delays in processing foreclosures**

***Banks in New York have fallen behind on processing delinquent loans***, *creating a backlog that has let some homeowners avoid making loan payments for years. “Loans that were made pre-crisis have been in this state of suspended animation for a number of years. And now, we are beginning to see the pace of resolution pick up*,” Michael Fratantoni, chief economist of the Mortgage Bankers Association, told the [Financial Advisor](https://legal.amerihopealliance.com/financial-worksheet). In New York, nearly half of homes 90 days or more past due have been delinquent for more than four years, according to Fitch Ratings. That ![financial-crisis1](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-681355333.jpg?width=239&name=file-681355333.jpg)makes foreclosures in the state the longest in the nation, with a foreclosure taking over 1,000 days on average. One reason for the backlog is that New York is a judicial foreclosure state, meaning a judge must sign off on a foreclosure before it is complete. States that do not require a judge’s signature tend to move more quickly on foreclosure proceedings.

**Mortgage defense**

For homeowners deficient in their mortgages, there are legal options. Loan modifications, short sales, and [foreclosure defense](https://legal.amerihopealliance.com/new-york-foreclosure-handbook) may allow a homeowner to keep his or her house or get out from unmanageable debt. **New Yorkers concerned about foreclosure actions should speak with a knowledgeable New York real estate [attorney](https://legal.amerihopealliance.com/new-york-foreclosure-attorney-questions-thank-you).**

Reprinted with permission from [RISMedia](http://rismedia.com). ©2014. All rights reserved.

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#### Written by [Jake Sterling](https://blog.amerihopealliance.com/blog/author/jake-sterling)

Jake Sterling is Amerihope Alliance Legal Services' Homeowner Liaison. He helps to bring awareness and teach homeowners about foreclosure defense and options to save their homes.

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### About this Blog

Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes.

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Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time.

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- [what is a case management conference (1)](https://blog.amerihopealliance.com/blog/topic/what-is-a-case-management-conference)

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