Homeowners across Chemung County benefit from New York's judicial foreclosure protections — including the 90-day pre-foreclosure notice and mandatory settlement conference. Learn your NY rights and get expert help. Free consultation.
Fill out the form below and we'll contact you within 24 hours.
Foreclosure in New York is a judicial process that unfolds over time. Reaching out early — before you miss payments or right after receiving a notice — gives you the widest range of options for keeping your home.
Call (213) 536-9372New York is a judicial foreclosure state. This means foreclosure generally proceeds through the court system, and homeowners have important procedural rights along the way. Here's the educational framework we help Chemung County homeowners understand.
New York law requires a pre-foreclosure notice to be sent to homeowners before a foreclosure action may generally begin on a home loan. This notice period is designed to give homeowners time to pursue options.
The lender files a complaint and a notice of pendency. The homeowner is served with a summons and complaint and must respond within the deadline to protect their rights.
In most home-loan foreclosure cases, a mandatory settlement conference is scheduled to explore loss mitigation, loan modification, and alternatives before the case advances.
If no resolution is reached, the court may enter a judgment of foreclosure and sale. The property is then auctioned through a court-supervised process.
We'll help you understand your situation and your options — free and confidential.
Get a Free ReviewBefore your consultation, it can help to gather a few key documents. Here's what to locate and have on hand.
Your note, mortgage or deed of trust, and any recent statements showing your balance and payment history.
Any pre-foreclosure notice, court summons or complaint, and correspondence from your lender or servicer.
Pay stubs, bank statements, and documentation of your monthly household expenses to show your financial picture.
For hardship-related situations — job loss letters, medical bills, or other records that support your circumstances.
Start with what you have. We'll guide you through what's needed.
Get a Free ReviewCommon questions Chemung County homeowners ask about the foreclosure process in New York.
Whether you've just missed a payment or a foreclosure action has been filed, reach out for a confidential review of your situation.
Disclaimer: Dream Financial Management is not a law firm and does not provide legal representation or legal advice. We provide foreclosure assistance, loss mitigation support, and homeowner education. If you require legal representation or advice regarding your foreclosure case, please consult a licensed attorney. This page is for general educational purposes and does not create an attorney-client relationship.
Dream Financial Management provides foreclosure assistance and loss mitigation support to homeowners across Chemung County — from Elmira to the Chemung River valley and surrounding towns.
The county seat and largest city, serving as the hub of Chemung County and the greater Twin Tiers region.
Growing suburban communities north and south of Elmira along the Chemung River corridor.
A western Chemung community known for its suburban neighborhoods and open space along the Chemung River.
Erin, Baldwin, Veteran, Chemung, Van Etten, Catlin, Ashland and the surrounding townships and hamlets.
Foreclosure can feel isolating, but you're not alone. Whether your home is in Elmira, Horseheads, Big Flats, or a rural township, we understand the local housing market and the pressures Chemung County families are facing.
Depending on your situation, some of the foreclosure alternatives you may be able to explore include:
Having the right documents ready helps us move faster and more effectively when you reach out. Gathering these items ahead of a free consultation can be helpful.
Your mortgage/loan documents, including any original note and the most recent statement from your servicer.
Any pre-foreclosure notice, summons, complaint, or other court documents you've received from the lender or attorney.
Recent pay stubs, tax returns, bank statements, and a general sense of your monthly income and expenses.
A brief summary of what led to the hardship — job loss, medical bills, divorce, or another difficulty — so we can explain your circumstances.
The sooner you reach out, the more options you're likely to have. Your information is kept private and confidential.
Common questions from New York homeowners facing difficulty with their mortgage.
Whether you're in Elmira, Horseheads, Big Flats, or anywhere across Chemung County, Dream Financial Management is here to help you understand your options and take action. Your consultation is completely free and confidential.
Disclaimer: Dream Financial Management is not a law firm and does not provide legal advice or legal representation. We are a foreclosure assistance and loss mitigation service helping homeowners understand their options and pursue mortgage relief. For legal advice regarding court proceedings, including foreclosure litigation and settlement conferences, we encourage homeowners to consult a licensed New York attorney. Foreclosure processes are governed by New York law and the specific terms of each mortgage.