GENESEO — Now is the time to get your mortgage checked at no cost to see what options are available, Livingston County officials said.

A record number of homeowners in New York State have fallen behind on their payments during the COVID-19 crisis. Many homeowners are in temporary forbearance agreements with their servicers. Others who have missed payments may have direct agreements with their lenders or just be behind in payments.

State and federally imposed foreclosure moratoria will end for many homeowners in June. These and other types of forbearance and deferral plans are only temporary solutions.

The state Homeowner Protection Program offers services provided to homeowners at no cost and generally regardless of a homeowner’s income.

HOPP agencies are specially trained to know the various programs and to work individually with homeowners and their mortgage servicers to get back on track. New local, state, and federal relief may be available to provide cash assistance to homeowners.

Be wary of scammers asking you to pay for help. New York State provides these services at no cost through the HOPP network. Whatever your situation, homeowners have a right to remain in their homes throughout the foreclosure process.

Call the NYS HOPP Toll-Free Hotline at 1 (855) 466-3456 or visit HomeownerHelpNY.org to get connected with a non-profit housing counseling or legal services program in your area.

Johnson Newspapers 7.1