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Foreclosure Prevention

Affordable homeownership is the key to maintain stable, vibrant communities in New York State. For more than a decade, Empire Justice Center has worked to make sure that all New Yorkers have access to responsible, affordable mortgagee products, and that their rights are protected if they fall into foreclosure. Empire Justice Center provides direct representation to homeowners in need of foreclosure prevention services in Rochester, and policy advocacy and analysis in fighting for better and continued protections.

Homeowner Protection Program – Anchor Partner

The Homeowner Protection Program (HOPP) is administered by the NYS Office of the Attorney General and provides funding to 89 non-profit housing counseling and legal services organizations. These organizations provide direct assistance to homeowners in default and foreclosure. HOPP ensures housing counseling and legal services are available to homeowners in every county of New York State.

HOPP grantees provide a range of services to help stabilize homeownership including financial counseling, negotiating loan modification and other workout options with mortgage servicers, representing homeowners in New York State’s mandatory settlement conferences, redressing deed theft and mortgage fraud scams, assisting homeowners facing tax foreclosures, and helping families understand the foreclosure process and find alternative housing when the home is no longer affordable.

Empire Justice Center is a HOPP Anchor Partner, along with the Center for New York City Neighborhoods. We oversee the grantees located in five regions of the state: Central, Hudson Valley, Long Island, Northeast, Southern Tier and Western New York. The Center for New York City Neighborhoods is the HOPP Anchor Partner overseeing grants to agencies in NYC. We also provide training, technical assistance and support to grantees statewide as the Anchor Partner.

HOPP Portal*

  • Annual Data
  • Training Schedule and Signups
  • Recordings of Past Trainings
  • HOPP Documents
  • HOPP Funding Campaigns
  • HOPP Resources

*Password protected

For more information on HOPP Funding visit: https://fundhopp.org/

Building Equity Initiative

Building Equity Initiative logo
The Building Equity Initiative focuses on informing, educating, and involving advocates to support and promote equity, inclusion, and accessibility for New York State homeowners. Our goals for the Building Equity Initiative are to provide trainings to help homeowner advocates recognize barriers that have historically prevented New Yorkers from many communities and with specific identities and intersectionalities from attaining and maintaining homeownership and provide tools to ensure foreclosure prevention services are inclusive and equitable. These principles are core to our HOPP mission: no family should ever lose their home because they do not have fair access to services.

Foreclosure Prevention Direct Services

Our Foreclosure Prevention Team provides high quality foreclosure prevention legal services with the goal of helping homeowners experiencing foreclosure understand the process and to secure the best possible outcome for them.

Our primary goals are to help homeowners experiencing foreclosure understand the process and to secure the best possible outcome for them. This often means saving the person’s home, for the good of themselves, their families, and their neighborhoods, but it can also mean working to secure a deed in lieu of foreclosure to spare their credit score and eliminate their housing debt, connecting them with our partners at another legal services agency to help them sell their home, or ensuring they recoup surplus funds resulting from the sale of their foreclosed property. We also seek to identify trends and patterns in the experiences of both our clients and those of our partners to evaluate larger-scale, systemic solutions to the problems and challenges they face.

Resource Links

Contact

For more information, contact our Foreclosure Prevention Team

(585) 454-4060, ext. 5903 or
Jihan Abdurrafi at jabdurrafi@empirejustice.org

    Foreclosure Prevention Team

    Jihan Abdurrafi

    Supervising Paralegal
    (585) 454-4060

    Jim Dukette

    HOPP Anchor Program Director
    (585) 454-4060

    Kevin Purcell

    Supervising Senior Attorney
    (585) 454-4060

    Samuel Robinson

    Paralegal
    (585) 454-4060

    Resources

    Training Videos

    HOPP training videos are only in our HOPP Portal.

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