What Is the HOPP Program in New York and Who Qualifies?
If you are a New York homeowner facing foreclosure, you may be entitled to free professional help through a program most people have never heard of. The Homeowner Protection Program, or HOPP, is one of the most important resources available to distressed New York homeowners.
What Is HOPP?
The Homeowner Protection Program is a network funded by the New York State Attorney General's Office that connects homeowners with free housing counseling and legal services. The network includes more than 90 organizations statewide, ranging from nonprofit housing counselors to legal services attorneys.
As of 2026, Governor Hochul secured $40 million in state funding to continue the HOPP network through the FY27 budget. This is a fully funded, active program with real capacity to help.
What Services Does HOPP Provide?
Through HOPP network organizations, homeowners can access:
Free housing counseling (reviewing your finances, explaining your options)
Loan modification application assistance
Representation at mandatory settlement conferences
Foreclosure defense legal services (through affiliated legal aid organizations)
Referrals to attorneys for court representation
Who Qualifies?
HOPP services are available to New York State homeowners who are at risk of foreclosure. There is no income minimum or maximum to access basic counseling. Legal services organizations within the network may have income eligibility guidelines.
How to Access HOPP
You can reach the NY Department of Financial Services consumer hotline at (800) 342-3736, which connects you to approved housing counselors. You can also visit homeownerhelpny.org or contact the NY Attorney General's office.
How We Work With HOPP
We are familiar with the HOPP ecosystem and regularly refer clients to HOPP-affiliated resources when legal representation is needed. We handle the real estate side, and we coordinate with attorneys and counselors for the legal and counseling pieces. If you want to understand your full range of options, from free government resources to professional real estate services, we can help you sort through it.
Call (646) 600-5995 or fill out our contact form.
Disclaimer: This article is for general educational purposes only and does not constitute legal advice. Foreclosure Professionals / ProForeclosure.com is a real estate services company, not a law firm. For legal representation, foreclosure defense, or bankruptcy guidance, consult a licensed New York attorney. Outcomes for any foreclosure or loan modification depend on your lender, investor guidelines, and court decisions. Results cannot be guaranteed. New York homeowners may also contact a HUD-approved housing counselor or call the NY Department of Financial Services at (800) 342-3736 for free assistance. We charge no upfront fees consistent with the FTC MARS Rule and NY GBL Section 265-b.
