Foreclosure
Foreclosure & Pre-Foreclosure Help in Queens and Nassau
Jortevsky Real Estate Firm represents homeowners facing default or foreclosure across South East Queens and Nassau County. New York is a judicial foreclosure state, which means the process runs through the courts and typically takes many months — time most homeowners can use to sell on their own terms rather than lose the house at auction.
The short version
What this actually involves
The worst outcome in a foreclosure is not selling the house. It is doing nothing until the options run out. New York's judicial process gives homeowners more room than people expect, and the equity in a South East Queens or Nassau home is often larger than the arrears — which means a sale can clear the debt and leave money in your pocket. We will tell you honestly whether that is your situation.
Representation for homeowners facing default or foreclosure in New York — an honest read of your equity position, what a sale would net, and how the timeline of New York's judicial foreclosure process affects your choices.
What you get
- A written equity position: what the property is worth, what is owed, what a sale would realistically net you
- A plain explanation of where you are in New York's judicial foreclosure timeline
- Title and lien search so second mortgages, judgments and tax liens surface early
- Referral to a foreclosure defence attorney and a HUD-approved housing counsellor
- If selling is right: full listing representation, priced to sell inside your timeline
- If it is not: we say so, and we do not take the listing
Process
How the engagement runs
- Step 01
Understand the position
We establish two numbers before anything else: what the property would sell for today, and what is actually owed including arrears, fees and any junior liens. Those two numbers determine every option that follows.
- Step 02
Get you proper advice
We are brokers, not attorneys. Foreclosure defence, loan modification and bankruptcy are legal questions, and we refer you to a foreclosure defence attorney and a HUD-approved counsellor — both of which are free or low-cost in New York — before you make any decision.
- Step 03
Weigh the routes honestly
Reinstating, modifying, selling, a short sale, or defending the action. Each has a different consequence for your credit, your tax position and your housing. We lay them out and tell you which we would take.
- Step 04
If you sell, sell properly
A distressed timeline is not a reason to accept a distressed price. We market the property fully — photography, syndication, the whole process — priced to transact inside the window you actually have.
- Step 05
Close and clear
We coordinate with your attorney and the lender's payoff department so the closing clears the debt, releases the lien and ends the action. You should walk away with the matter finished, not lingering.
Where we do this
Foreclosure across our service area
Each neighborhood page carries the local detail — records, market notes and the questions specific to that market.
Answers
Questions about foreclosure
Can I sell my house if it is already in foreclosure?
In most cases yes. In New York, foreclosure is a judicial process that runs through the courts and typically takes many months, and until a foreclosure sale actually occurs you generally retain the right to sell. Jortevsky Real Estate Firm will establish your equity position and timeline in writing before you decide anything. Call (516) 668-6031.
How long does foreclosure take in New York?
New York is a judicial foreclosure state, so the lender must sue and obtain a judgment, and there is a mandatory settlement conference process for owner-occupied residential loans. Timelines commonly run well over a year and vary widely by case and court backlog. Jortevsky Real Estate Firm will help you understand where you are in the process — but your attorney, not your broker, is the authority on your specific case.
Does Jortevsky Real Estate Firm charge for foreclosure help?
No. The equity analysis and consultation are free and carry no obligation. If you choose to sell with us we earn a commission at closing, agreed in writing beforehand. Jortevsky Real Estate Firm does not charge upfront fees for foreclosure assistance — and under New York law you should be extremely wary of anyone who does.
Should I use a loan modification company?
Be careful. New York law heavily restricts upfront fees for distressed property services, and free help is available: HUD-approved housing counselling agencies and the New York State Homeowner Protection Program provide loan modification assistance at no charge. Jortevsky Real Estate Firm will point you to those resources rather than to a paid service.
Will I lose all my equity in a foreclosure?
You may. If the property sells at foreclosure auction for close to the debt, the equity you built can be absorbed by arrears, fees and legal costs. That is precisely why establishing your equity position early matters — in much of South East Queens and Nassau, homeowners have substantial equity that a controlled sale preserves and an auction does not.
Is a broker allowed to give me foreclosure advice?
A licensed broker can advise on value, marketability and what a sale would net. We cannot give legal or tax advice, and we will not pretend otherwise. Jortevsky Real Estate Firm refers every foreclosure client to a defence attorney and a HUD-approved counsellor, because those are the people qualified to advise on the case itself.
Also from us
Other things we handle
Most clients use us for more than one of these over time — which is the argument for a full-service firm rather than a specialist.
Let's talk about your property.
A conversation costs nothing and you will leave it knowing what your home is worth and what the market is actually doing on your block.
Prefer to talk now? (516) 668-6031 · jortevskyrealty@gmail.com