Nassau County Foreclosure Resources
Complete guide to the foreclosure process in Nassau County, New York. Courthouse addresses, filing procedures, timelines, mediation options, and local legal aid — everything you need to defend your home.
Response within 24 hours
Foreclosure Type
Judicial
Avg. Timeline
600+ days
Mediation
Available
Population
1.4 million
Nassau County Foreclosure Timeline
New York is a judicial foreclosure state. Every foreclosure must go through the Circuit Court of Nassau County, giving homeowners significant procedural rights and time to mount a defense.
The lender must mail a 90-day pre-foreclosure notice to the Nassau homeowner before filing, and advise them to contact a housing counseling agency. Failure to strictly comply with RPAPL § 1304 can defeat the action.
The lender files a foreclosure summons and complaint with the Nassau County Supreme Court (Mineola) and serves them with the required 'Help for Homeowners' notice. Responding within the statutory period preserves your defenses.
For primary residences, a CPLR § 3408 settlement conference is automatically scheduled in the Nassau County Foreclosure Part. Both parties must negotiate in good faith, frequently across multiple hearings.
Unresolved cases proceed to discovery and motions under strict standing rules unique to New York. If the court grants judgment, a referee computes the amount due and a judgment of foreclosure and sale is entered.
A referee conducts a public auction and returns a report for court confirmation. Any deficiency judgment must be sought within 90 days of the referee's deed. Long Island foreclosures run on the long New York timeline.
Courthouse & County Offices
Nassau County Supreme Court (Foreclosure Part)
262 Old Country Rd, Mineola, NY 11501
(516) 571-2660
Mon–Fri 9:00AM–5:00PM
Nassau County Courthouse (Supreme Court Annex)
100 Supreme Court Dr, Mineola, NY 11501
(516) 571-2660
Mon–Fri 9:00AM–5:00PM
Clerk of Court
Nassau County Supreme Court — County Clerk
Foreclosure actions in Nassau County are filed in and processed by the Nassau County Supreme Court, which operates the Foreclosure Part and settlement conferences.
County Recorder
Nassau County Clerk / Recorder
Sheriff / Sale Info
Nassau County Sheriff's Office — Enforcement
100 Carmans Rd, Mineola, NY 11501
(516) 572-2100
A court-appointed referee conducts the Nassau foreclosure auction, not the Sheriff. The NCPD Sheriff or a marshal executes the eviction after the court issues a warrant of eviction.
Foreclosure Mediation in Nassau County
Mandatory for owner-occupied, one-to-four-family residences. A settlement conference is automatically scheduled at the commencement of the Nassau foreclosure action, with court-supervised good-faith negotiation.
Filing Requirements
- •90-day pre-foreclosure notice (RPAPL § 1304) must be mailed before filing
- •Summons and complaint must include a 'Help for Homeowners' notice (RPAPL § 1303)
- •Homeowner should respond within the statutory period to preserve defenses
- •Mandatory settlement conference is automatic for owner-occupied properties
- •The lender must demonstrate standing to foreclose
- •A referee conducts the sale; a deficiency judgment must be sought within 90 days of the deed
Key Statutes
Real Property Actions & Proceedings Law (RPAPL)
N.Y. RPAPL §§ 1301-1393
New York's foreclosure statute, including the 90-day pre-suit notice (§ 1304) and help-for-homeowners notice (§ 1303).
Civil Practice Law & Rules § 3408
N.Y. CPLR § 3408
Mandatory settlement conferences for owner-occupied residential foreclosures.
Nassau County Homeowner Protection Network
N.Y. State HCR programs
County and state foreclosure-counseling network serving Nassau homeowners with free legal and counseling support.
Right of Redemption
New York provides no statutory post-sale right of redemption. In Nassau County, the extended judicial process provides extensive pre-sale time to cure, modify, or negotiate — there is no reclaiming the home after the referee's sale is confirmed.
Deficiency Judgments
The lender may seek a deficiency judgment if the sale does not cover the debt, moving within 90 days of the referee's delivery of the deed. The court determines fair market value and limits the deficiency to the shortfall. This court supervision protects Nassau borrowers at the deficiency stage.
Legal Aid
Nassau/Suffolk Law Services Committee
Free civil legal services for qualifying low-income Long Island residents, including foreclosure defense and settlement-conference representation.
PILP (Public Interest Law Project) on Long Island
Connects qualifying homeowners with free legal help for housing and foreclosure matters on Long Island.
Frequently Asked Questions
How does the Nassau settlement conference work?+
When a foreclosure is filed on your Nassau primary residence, the Nassau County Supreme Court automatically schedules a CPLR § 3408 settlement conference. You, your attorney or counselor, and the lender's attorney negotiate before a judge or court attorney across multiple hearings, and both sides must negotiate in good faith.
How long does a Nassau County foreclosure take?+
If you engage in the case, it typically runs 2-4 years or more on the New York timeline. That extended period gives you time to cure arrears, obtain a modification, complete a short sale, or pursue defenses — a real advantage compared to non-judicial states.
Is the RPAPL § 1304 90-day notice really required?+
Yes, for most residential mortgage loans on owner-occupied, one-to-four-family homes. The lender must mail the 90-day pre-foreclosure notice before filing. Non-compliance can be a complete defense to the foreclosure.
Where can I get free help in Nassau County?+
The Nassau/Suffolk Law Services Committee provides free legal help to qualifying low-income residents. Start with a New York State HCR-approved housing counselor (866-275-3427) or the Community Development Corporation of Long Island for loss-mitigation guidance.
Could a deficiency judgment follow my Nassau foreclosure?+
Possibly, but only through a court-supervised motion within 90 days of the referee's deed. The court sets the property's fair market value and caps the deficiency at the difference between the debt and that value. You get notice and a chance to respond.
More Resources for Nassau County Homeowners
New York Foreclosure Laws
Complete state-level guide to foreclosure laws, timelines, and homeowner protections.
Foreclosure Defense
Comprehensive defense strategies to stop or delay foreclosure in any U.S. county.
Free Case Review
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