Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
New York uses a judicial foreclosure process. The mandatory settlement conference is court-scheduled within 60 days after the lender files proof of service (CPLR 3408) — the homeowner receives the date by mail and cannot compute it from their own papers. Foreclosure is paused for negotiation while conferences are ongoing.
The homeowner may reinstate (pay arrears, fees, and costs — not the full balance) at any time before entry of final judgment, and the case is resolved. Even after judgment but before sale, RPAPL §1341 lets the borrower pay the amount due plus costs into court to stay the sale (best suited to non-fully-accelerated situations); paying the full judgment stops the sale outright. The standard mortgage contract's reinstatement clause also applies. RPAPL §1341; contractual reinstatement clause; see NY DFS Consumer Bill of Rights
Before the sale: Equitable right of redemption until the moment of the foreclosure auction: pay the full judgment/loan balance plus interest and costs any time before the sale.
After the sale: NONE. New York has no statutory post-sale redemption for mortgage foreclosures — once the referee's hammer falls, the right is extinguished. RPAPL Art. 13 · https://www.nolo.com/legal-encyclopedia/if-i-lose-home-foreclosure-new-york-can-i-back.html
Until the foreclosure auction itself. Because NY foreclosures average ~5 years, homeowners typically have years — from the 90-day notice through the settlement conferences to the post-judgment sale date — to sell, pay off the debt at closing, and keep the equity. After the auction there is no redemption, only a claim to surplus sale proceeds if the bid exceeded the debt.
Want the fuller picture beyond the dates? Read the New York foreclosure guide — timeline, rights & options.
Property-tax (in rem) foreclosure: redemption expires 2 YEARS after the lien date, but the taxing district may extend this to 3 or 4 years for residential or farm property by local law (RPTL §1111), and a later date in the published foreclosure notice controls. Varies by county/city — check the local enforcing officer. (NYC and some counties use different lien-sale systems.) RPTL §1110; RPTL §1111
Practitioner estimate: among the slowest states — ATTOM Q4 2025 average ~1,910 days (~5 years); even uncontested cases commonly run 1.5–3 years from the 90-day notice to auction, with mandatory settlement conferences adding months at the front. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.