Foreclosure Prevention

Foreclosure help image

Mobilization for Justice’s Foreclosure Prevention Project helps homeowners in Queens, Brooklyn & Staten Island keep their homes.

Since 2008, Mobilization for Justice has focused on preventing foreclosures in Queens, Brooklyn and Staten Island, three of the hardest-hit counties in the state. We have successfully negotiated mortgage modifications in state court foreclosure settlement conferences, challenged the standing of plaintiffs to file foreclosure actions,held accountable unscrupulous companies who bilk clients by claiming they will get their mortgage payments reduced, and enforced provisions of the Home Affordable Modification Program (HAMP).

For modification applications made before December 30, 2016, Click HERE for MFJ’s Waterfall Worksheet to determine whether borrowers pass HAMP or GSE Standard Modification waterfalls.  For the HAMP & GSE Standard Modification Waterfall Worksheet User’s Guide, click HERE.

For modification applications made after December 30, 2016 on a loan held by Fannie Mae or Freddie Mac, click HERE for MFJ’s Flex and Standard Modification Waterfall. For the Flex and Standard Modification Waterfall Worksheet User’s Guide, click HERE.

For loans insured by the Federal Housing Administration, click HERE to determine whether borrowers  qualify for an FHA home retention loss mitigation option.  For the FHA Waterfall  User’s Guide, click HERE.


Mobilization for Justice works with other organizations to press the state and federal governments for legislative change to better protect homeowners. The project also assists neighborhood-based housing organizations to educate tenants of buildings facing foreclosure on their rights.

In June 2011, Mobilization for Justice issued Justice Deceived, a report detailing how large foreclosure firms were subverting state regulations and harming homeowners by failing to file the necessary paperwork to move a foreclosure case to the settlement part. Thousands of cases were stuck in this “shadow docket,” causing interest and fees to accrue, further undermining homeowners’ chance for a successful loan modification. A follow-up report in May 2012, Justice Unsettled, showed that the practice continues. To defend homeowners against this practice, we filed a class action lawsuit against Stephen J. Baum, P.C. for engaging in unfair debt collection practices.

Most recently, Mobilization for Justice filed a class action lawsuit against the U.S. Department of Housing and Urban Development, along with a mortgage buyer and servicer, alleging that HUD’s sale of government-guaranteed mortgages to the highest bidder constitutes discrimination against African-American homeowners and violates constitutional due process protections and constitutes breach of contract. The case is pending.

BROOKLYN, QUEENS & S.I. HOMEOWNERS – CALL OUR INTAKE LINE FOR HELP: 212-417-3777, Tuesday, 2:00 pm – 5:00 pm

Or come to a walk-in clinic:
Brooklyn Homeowners: Kings County Supreme Court, 360 Adams St., Brooklyn, NY 11201, Room 524, Wednesdays 10 am – 1 pm
Queens Homeowners: Queens Country Supreme Court, 88-11 Sutphin Blvd., 4th Fl. Lobby, Jamaica, NY 11455, Mondays 10 am – 12:30 pm