Disclaimer

GENERAL DISCLAIMER

This General Disclaimer applies to all programs, initiatives and information posted on this site. There are no guarantees given or implied. Each homeowner’s situation varies and therefore results vary. Empire State Homeowner Advocates is a d/b/a of The Empire State Property Partnership LTD, (“The Company”). The Company is privately owned and is not associated directly or indirectly with any local, state, or federal government agency. Empire State Homeowner Advocates is a New York State Licensed Real Estate Brokerage (“Broker”) located at 201 Old Country Road, Suite 180A, Melville NY 11747. Empire State Homeowner Advocates can be reached by calling 631-273-7100. The Company and the Broker do not offer or provide legal or accounting advice. The Company participates in the acquisition of real property or real property rights and is a privately funded for profit organization. The Company funds the HOAP Program by committing a portion of its earnings from real estate transactions. The Broker may earn a referral fee when acting in a referral capacity with other licensed real estate professionals, when permitted by law, and contribute towards the HOAP Program.

Information contained herein is subject to change without notice. Before entering into any agreement, you must get independent legal advice from an attorney. If you are behind on your monthly mortgage payments, and you participate in the program in whole or in part, there is no guarantee your home won’t be foreclosed. Some services and benefits are provided by 3rd party providers who may be independent or affiliated with The Company or Broker. Do not sign any important legal contract without first consulting with an attorney in your area. Although we endeavor to do our best to meet our stated timing representations herein, timing varies based on each individual situation.

LEGAL INFORMATION IS NOT THE SAME AS LEGAL ADVICE

This site provides information about foreclosure law designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice. The application of law varies with an individual’s specific circumstances. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your situation.

SERVICES

Services are provided with no out-of-pocket costs to eligible and approved homeowners. Some services are provided by the Company or the Broker and others are provided by 3rd party providers designated by the Company or the Broker. Although you will never pay out of pocket for the services provided, they are non-negotiable, (meaning they have no monetary value if you try to sell them). Each Service offered here has different terms and contingencies. If you are approved for a Service, you may elect to decline to accept it. If your property is in foreclosure and requires the services of a real estate broker or Attorney, they may charge a commission or fee respectively only if it is paid from your lienholder.

MONETARY OPTION

For all properties that require a short sale, a Monetary Option will be disclosed to and must be approved by any lienholders on the property.

HOMEOWNER ADVOCATE

Homeowner Advocates are a New York State Licensed Real Estate Salespersons and will provide you with publicly available information and guidance permissible by law so you can make an informed decision about your options. They will determine if you qualify for the HOAP program and help you navigate possible foreclosure relief options. They cannot and will not provide legal, accounting or tax advice.