PRE FORECLOSURE,INTRODUCTION,OVERVIEW,SKIP,CONTENT,YOUR,BROWSER,SUPPORT,IFRAMES,CONSUMERS,APPLICATIONS,LICENSING,ROOM,CONTACT,ABOUT US,MISSION,LEADERSHIP INITIATIVES,CAREERS,PROCUREMENT,FILE,COMPLAINT,FRAUD,MORTGAGE FORECLOSURE,INSURANCE,SAVING,MONEY,CREDIT DEBT,BANKING INDUSTRY,BANKS,TRUSTS,MORTGAGE,COMPANIES,LICENSED,FINANCIAL,BILLING,ASSESSMENT,INDUSTRY,GUIDANCE,COMMUNITY DEVELOPMENT,INSURANCE INDUSTRY,AGENTS,BROKERS,INSURERS,PROPERTY,HEALTH INSURERS,INSURANCE COMPANY,SEARCH,LEGAL,REGULATIONS,OPINIONS,MOUS,FOIL,REQUESTS,LEGISLATIVE,REPORTS,PUBLICATIONS,RATINGS,WEEKLY,BULLETIN,COMMENT,LETTERS,ANNUAL REPORTS,LAW,DECEMBER 15,GOVERNOR DAVID PATERSON,SIGNED,CHAPTER,THE LAWS,LEGISLATIVE PROGRAM,NOVEMBER 16,SPECIAL SESSION,NEW YORK LEGISLATURE,SUBPRIME LENDING,REFORM,TARGETS,MORTGAGE CRISIS,TWO WAYS,ASSISTANCE,HOMEOWNERS,AT RISK,HOMES,TENANTS,FORECLOSED,PROPERTIES,REFINING,PRIOR,AMENDMENTS,BANKING LAW,LENDING,THE LAW,EFFECTIVE,EXCEPT,BELOW,FULL TEXT,INFORMATION,NOTICES,REAL PROPERTY,PROCEEDINGS,WEBSITE,CONSUMER,HOTLINE,ELEMENTS,FORECLOSURE,PROCESS,NOTICE,AMENDS,PROVISIONS,SECTION,THE REAL,THE SUMMONS,ACTION,DWELLING,SUBJECT,INFORM,RIGHTS,MUST,DAYS,THE SERVICE,BUILDINGS,UNITS,SENT,CERTIFIED MAIL,RETURN RECEIPT,FIRST CLASS MAIL,THE TENANTS,ADDRESS,THE PROPERTY,IDENTITY,THE TENANT,PLAINTIFF,OCCUPANT,THE OUTSIDE,ENTRANCE,EXIT,BUILDING,EFFECTIVE DATE,JANUARY 14,DATE,90 DAYS,LENDER,LEGAL ACTION,THE BORROWER,BORROWERS,HOME LOANS,HIGH,COST,SUBPRIME,TRADITIONAL HOME,LOANS,INFORMS,STEPS,FIND,SOLUTION,CONSULTING,NOT FOR PROFIT,HOUSING,COUNSELOR,AMENDMENT,CLEAR,REQUIREMENT,SEND,MORTGAGES,THE ORIGINAL,WITH RESPECT TO,LIMITED,WHOSE,PRINCIPAL AMOUNT,LESS THAN,FNMA,CONFORMING LOAN,SIZE,LIMIT,SUNSETS,FIVE YEARS LATER,COOP,GIVE,DEBTORS,RESIDENTIAL,COOPERATIVE,PROVISION,NEW YORK,UNIFORM COMMERCIAL CODE,PROPOSAL,THE COOPERATIVE,INTEREST,SHARES,LEASE,SATISFACTION,LOAN,THE PROPOSAL,EXTENT,PREVIOUSLY,GIVEN IT,DEBTOR,CONSENT,ONLY IF,TERMS,RECORD,AUTHENTICATED,DEFAULT,APPLY,RIGHT,THE RIGHT,OCCUPANCY,TERMS AND CONDITIONS,ENTRY,THE JUDGMENT,PERSONS,ABOVE,DWELLING UNIT,WRITTEN,LEASE AGREEMENT,PAYMENT,RENT,FAIR MARKET RENT,THE UNIT,GREATER,TERM,SUCCESSOR,OCCUPY,SINGLE UNIT,HIS OR HER,PRIMARY RESIDENCE,THE SUCCESSOR,TERMINATE,NOTIFY,NAME,COMMUNICATION WITH,DO NOT,AFFECT,SUBJECT TO,CONTROL,RENT STABILIZATION,GOVERNMENTAL,SUBSIDY,FILING,SUPERINTENDENT,DATABASE,ASSIGNEE,MORTGAGE LOAN,BUSINESS DAYS,APARTMENTS,CERTAIN,HELP,THE DEPARTMENT,LAST,TELEPHONE NUMBER,AMOUNT,CLAIMED,DUE AND OWING,AVAILABLE,DETERMINE,TYPE,ISSUE,FILED,DISCLOSURE,THE FREEDOM,PERSONAL PRIVACY,PROTECTION,DEVELOP,ELECTRONIC DATABASE,FEBRUARY 13,DUTY,JUDGMENT,ABANDONED,OWNERSHIP,MAINTAINING,MEANS,COMPLIANCE,PROPERTY MAINTENANCE,CODE,LOCAL,LAWS,STANDARDS,SAFE,HABITABLE,CONDITION,MAINTENANCE,SUSPENDED,PERIOD,BANKRUPTCY PROCEEDING,RECEIVER,MUNICIPALITY,BOARD,MANAGERS,CONDOMINIUM,HOMEOWNERS ASSOCIATION,APRIL 14,SETTLEMENT,CONFERENCES,ENTITLED,SETTLEMENT CONFERENCE,CHANGE,RESTRICTED,CONSUMMATED,JANUARY 1,SEPTEMBER 1,REFLECTION,FACT,CURRENT,FORECLOSURES,TO DO,ECONOMIC DOWNTURN,SUBPRIME MORTGAGE CRISIS,THE BILL,DEFENDANT,NEGOTIATE,GOOD FAITH,REACH,AGREEABLE,RESOLUTION,POSSIBLE,ORDER,ENSURE,COUNSELING,ASSIST,IN KEEPING,THE COURT,REQUEST,JUDICIAL,INTERVENTION,CONNECTION,DEFENDANTS,AGENCY,DESIGNATED,THE DIVISION,HOUSING AND COMMUNITY,RENEWAL,DISTRICT,THE DEFENDANT,THE HOMEOWNER,AWARE,PREVENTION,OPTIONS,PRODUCTIVE,THE PAST,PARTIES,THE OFFICE,COURT,ADMINISTRATION,JUDGE,THE ACTION,PENDING,DOCUMENTS,SHOULD,THE SETTLEMENT,CONFERENCE,FINALLY,CHARGING,FOR ANY,FEES,APPEARANCE,PARTICIPATION,FIRST PARAGRAPH,RULES,THE CHIEF,ADMINISTRATOR OF,COURTS,EFFECTIVENESS,PROMULGATE,MANAGEMENT,THE AUTHORITY,DILATORY TACTICS,IMPOSITION,SANCTIONS,BEHAVIOR,ADMINISTRATOR,ANNUAL REPORT,THE GOVERNOR,LEADERS,SETTLEMENT AGREEMENT,EXECUTION,LOAN MODIFICATION,LIS PENDENS,FORECLOSURE RESCUE,SCAMS,PROPERTY LAW,CONSULTANTS,ALSO KNOWN AS,TAKING,UP FRONT,REASON,THE PROHIBITION,ELIGIBLE,FOR FREE,LOW COST,ADDITION,OBAMA,PROGRAM,COMMITTED,MODIFICATIONS,MOREOVER,DISCLOSE,LIKELIHOOD,ILL,AFFORD,SPEND,BANKERS,MORTGAGE BROKERS,PRACTICE,REAL PROPERTY LAW,NUMBER,REQUIREMENTS,BANKER,MORTGAGE BROKER,FULL,COMPLETION,THE SERVICES,ATTORNEY,THE ATTORNEY,HOMEOWNER,THE COURSE,REGULAR,LEGAL PRACTICE,CLARIFY,PERSON,ESCROW,APPRECIATION,AUTHORIZE,BANKING,HOLDER,COOPERATIVE APARTMENT,BORROWER,AGREEMENT,SHARE,THE MARKET,VALUE,REDUCTION,SOLD,PRINCIPAL,PLUS,RATE,OF 5,PREEMPTION,THE FEDERAL,ALTERNATIVE MORTGAGE,TRANSACTION,PARITY,ACT OF,ALTERNATIVE,SONYMA,THE STATE OF NEW YORK,MORTGAGE UNDERWRITING,PREDATORY,DETERMINATIONS,MORTGAGE LOANS,DETERMINING,WHETHER,THEREFORE,UNDERWRITING,SUBPRIME LOANS,LOOKS,SPECIAL,JUMBO MORTGAGES,THE LIMIT,QUEENS COUNTY,HOME LOAN,THE OTHER,THE DEFINITION OF,YIELD SPREAD,THREE DAYS,RECEIPT,APPLICATION,FEDERAL,COMPENSATION,APPLICABLE LAW,BOARD OF GOVERNORS OF,THE FEDERAL RESERVE,SYSTEM,REGULATION Z,PERMIT,PROPOSED AMENDMENTS TO,FULLY,ABILITY,TEASER RATE,CONCEPT,FIXED,INDEX,INITIAL,INTEREST RATE,HIGHER,PERIODS,THE HIGHER,RATH