Homeownership

​Current Homeowners

Get Free Help You Can Trust to Resolve Mortgage, Credit and Lien Issues

Stabilizing homeownership and preventing foreclosure for low-income families is the main goal of UNHP’s work in one to four family homes.

If you are struggling to make mortgage, water, sewer, or tax payments or if you foresee that you may start to miss payments, now is the time to act. Call us at (718) 933-2539 to schedule an appointment or speak to Jumelia.

Working with the Legal Aid Society, the nation’s oldest and largest non-profit legal services organization, UNHP offers foreclosure prevention counseling, legal advice and assistance, refinancing document review, information about weatherization grants, help with water bill issues, low cost loans to senior citizens and help with other credit, debt and lien issues.

Noemi, a HUD certified counselor, provides assistance to both homeowners and those interested in buying a home.
Noemi, a HUD certified counselor, provides assistance to both homeowners and those interested in buying a home.

Please feel free to call UNHP directly at (718) 933-2539 if you receive an offer for refinancing or loan modification that seems too good to be true. We have worked with many homeowners who have lost precious funds working with disreputable mortgage help companies. Schedule an appointment to have our foreclosure prevention counselor review the deal you are considering.

Interested Homebuyers

Homebuyer Workshop series with Santander Bank.
Homebuyer Workshop series with Santander Bank.

Interested homebuyers can meet 1-on-1 with our financial coach, who will assess your credit and savings situation to determine if you are mortgage ready. UNHP also holds occasional seminars and workshops with information for First-time Homebuyers. Call us at (718) 933-2539 to make an appointment with the Financial Counselor for a first-time homebuyer financial review.

Please sign up for our mailing list in the box on the right if you would like to be kept up to date on these services.

If you are thinking about purchasing or refinancing a home, you can download UNHP’s Homeownership Guide, available here.

Fraud and Predatory Lending

Be wary of lenders who offer deals that seem too good to be true. Loan Fraud and Predatory lending can rob homebuyers of thousands of dollars, good credit, and even their home! To help ensure you won’t fall victim, be sure to follow all of these steps as you apply for a loan.

  • Refuse to sign any blank documents
  • Be sure to read and understand everything before you sign
  • Do not buy property for someone else
  • Do not overstate your income
  • Do not overstate how long you have been employed
  • Do not overstate your savings
  • Accurately report your debts
  • Do not change your income tax returns for any reason
  • Do not list fake co-borrowers on your loan application

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Accomplishments

  1. In 2016 UNHP assisted 18 homeowners with loan modifications and payment plans. The Bronx has the highest rate of lis pendens at 10.1%. The NYC average is 8.2%.
  2. UNHP can help owners understand the lien sale. A NYC lien sale for overdue tax and water payments can result in high fees and payments that lead to foreclosure. Seek foreclosure prevention counseling if you are on the lien list.
  3. In 2016, UNHP provided First-Time Homebuyer Workshops to over 75 people. UNHP's 1:1 Financial Counseling is an excellent first step for those interested in purchasing their first home.

“The foreclosure crisis for homeowners that precipitated the 2008 recession continues to be a daily source of stress, confusion, and financial hardship for many NYC homeowners. Bronx homeowners are especially hard hit.”

— Bronx Homeowners Face Many Challenges - UNHP blog post