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Help for Homeowners

Important Notice - We understand that many customers are concerned about the impact of the coronavirus on their ability to pay their mortgage. NYCB is committed to supporting our customers. If you are experiencing hardship related to the coronavirus and are unable to make a payment, or you have an issue with your account, we encourage you to call us toll-free at (888) 696-4444 during the hours of Monday to Friday 8am – 8pm (ET), Saturday 9am - 5pm (ET) or sign in to NYCB Online and send us a secure message.

Information on Avoiding Foreclosure

There are a variety of programs available to help you resolve your delinquency and keep your home. You may be eligible to refinance or modify your mortgage to make your payments more manageable. Or, if you have missed a few payments, you may qualify for a temporary solution to help you get your finances back on track. Depending on your circumstances, staying in your home may not be possible. Options such as Forbearance - Time to Sell Your Home, Short Sale, or Mortgage Release / Deed-In-Lieu of Foreclosure may be available. Please see the table below for more information.




​Refinance ​Refinance your existing loan through a third party lender. ​Makes your payment more affordable.
​Reinstatement ​Pay the total delinquent amount in one lump sum payment by a specific date. ​Allows you to avoid foreclosure by bringing your mortgage current.
​Repayment Plan ​Pay back your past-due payments together with your regular monthly payment over an extended period of time. ​Allows you time to catch up on late payments without having to come up with a lump sum.
​Forbearance Plan ​Make reduced mortgage payments or no mortgage payments for a specific period of time. ​Gives you time to improve your financial situation and possibly qualify for a permanent solution once you are able to resume regular payments.
​Modification ​Receive modified mortgage terms to make the payment more affordable. This option may include completing a trial period, which requires you to make three or four successful monthly payments of the approximate modified amount. ​Permanently modifies your mortgage so that your payments are more affordable. This serves as a permanent solution to a long-term or permanent hardship.





​Time to Short Sale ​Sell your home and pay off a portion of your mortgage balance when you owe more than the current value of the property. ​Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.
​Forbearance - Time to Sell Your Home ​Sell your home and pay off your mortgage balance. ​Allows you to transition out of your home without going through foreclosure.
​Mortgage Release (Deed-in-Lieu of Foreclosure) ​Transfer the ownership of your property to us. ​Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.
*Note: Programs may be available based on the requirements of the investor who owns your loan.


To request mortgage assistance, please call us or submit a Borrower Response Package.

Step 2: Return the completed application.

Return the completed application by mail to the following address:

New York Community Bank
1801 East Ninth Street
Cleveland, OH 44114
Loss Mitigation Department OH99-0504

By Email: LMTdocuments@myNYCB.com

By Fax: (216) 583-5205

If you have any questions, please contact our Loss Mitigation Department at (888) 696-4444.

Housing Counseling Agencies


Have a Question?
Call customer service at
1 (877) 786-6560
Help for Homeowners
with payment difficulties

The Divisions of New York Community Bank

Queens County Savings Bank​

Established on April 14, 1859 in the village of Flushing, Queens County Savings Bank was the first savings bank chartered by the State of New York in the New York City borough of Queens. Until then, local residents would need to travel to Manhattan to do their banking; the opening of the borough’s first local bank was accordingly met with elation and relief.

While the bank expanded here and there over the course of the next 14 decades, its greatest growth occurred in just the last 15 years. In anticipation of expanding its franchise through the first of several mergers, the Bank changed its name to New York Community Bank on November 21, 2000. By the end of that year, NYCB had grown from 14 to 86 branches; today, it has more than 220 branches in five states.

In deference to its heritage as a Queens-based institution, the Community Bank operates each of its 31 branches in the county under its original name, Queens County Savings Bank.

Roslyn Savings Bank

Established in 1875, The Roslyn Savings Bank was the first financial institution headquartered in Nassau County, one of two counties--with Suffolk--that constitute Long Island, New York. Its founders wanted to build a bank that would provide the Island’s residents with a safe place for their savings, as well as the financial assistance they’d need to build or purchase homes.

A member of the NYCB Family of Bank since October 31, 2003, Roslyn Savings Bank today serves the Island’s businesses and consumers through 41 conveniently placed branch offices.

Richmond County Savings Bank

A member of the NYCB Family of Banks since July 31, 2001, Richmond County Savings Bank is the third oldest of our divisions, with roots that go back to October 30, 1886. It was then that the bank was established to serve those who lived and worked on Staten Island, and it was less than one year later that it made its first mortgage loan.

Today, nearly every street on the Island has at least one home that was financed by Richmond County Savings Bank.

Originally located in the Odd Fellows Building at the corner of Richmond Terrace and Broadway, the Bank today has 20 convenient banking locations in all.

Roosevelt Savings Bank

Roosevelt Savings Bank was established in 1895 on the corner of Gates Avenue and Broadway in Brooklyn under the name “Eastern District Savings Bank.” In 1920, the bank changed its name to honor the memory of the nation’s 26th president, Theodore Roosevelt.

In February 1999, Roosevelt Savings Bank merged with and into Roslyn Bancorp, which merged with and into New York Community Bancorp, Inc. in October 2003.  Today, Roosevelt Savings Bank serves its customers through seven branches in Brooklyn as a member of the NYCB Family of Banks.

Atlantic Bank

Atlantic Bank was established in the mid-1920s and was acquired by New York Community Bancorp, Inc. on April 28, 2006. We have 11 full-service branches in Manhattan, Queens, Brooklyn, Westchester, and Nassau County, and offer a comprehensive menu of financial services for small and mid-size businesses, commercial real estate investors, consumers, and their families.

Because Atlantic Bank is part of the New York Community Family of Banks, our customers can also bank at any of our 237 branches in the Metro New York, New Jersey, Ohio, Florida, and Arizona.

We are committed to providing our customers exceptional service and convenience, and a full-service menu of products and services to meet your business and personal needs. With free 24-hour access to a network of 233 ATM locations, we make it easy for you to bank with us.

Garden State Community Bank

Garden State Community Bank has been a member of the NYCB Family of Banks since March 2008, when we combined all the branches of four smaller New Jersey-based divisions--First Savings Bank of New Jersey, Ironbound Bank, Penn Federal Savings Bank, and Synergy Bank—into a single division with a highly relatable name.

While Penn Federal Savings Bank and Synergy Bank were directly acquired in 2007, First Savings Bank of New Jersey and Ironbound Bank were acquired in 1999 by Richmond County Financial Corp., which subsequently merged with NYCB.

By combining the strengths of these four local banks with the strengths of our institution, we established a Garden State community bank that offers more products and services, and more convenient locations, than any one of these banks provided on its own.

Today, we serve our customers through 41 branches in Essex, Hudson, Mercer, Middlesex, Monmouth, Ocean, and Union Counties, most of which first opened their doors nearly 14 decades ago.

Ohio Savings Bank

Ohio Savings Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

Established in 1889 as the Ohio Savings Home Loan and Building Co., the bank’s initial expansion was limited to Ohio until it opened its first Florida branch in 1989. Eleven years later, it expanded again, this time to Arizona. And seven years later, it changed its name to AmTrust Bank.

On December 4, 2009, AmTrust Bank became the newest member of our banking family, the first of our divisions to serve customers in non-contiguous states. Four months later, we elected to pay tribute to its forebear, by operating our 28 branches in Ohio under a more suitable name: Ohio Savings Bank.

AmTrust Bank

AmTrust Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

The first branch of AmTrust Bank opened its doors in the late 1980s, when Ohio Savings Bank opened the first of its branches in south coastal Florida under the “AmTrust Bank” name. Eleven years later, it expanded again--this time to Arizona--and on December 4, 2009, it joined the NYCB Family of Banks. With our acquisition of Desert Hills Bank less than four months later, we further expanded our franchise in the Grand Canyon State.

AmTrust Bank serves its customers through 40 convenient branches: 14 in central Arizona and 26 in Florida.

Now Your Community Bank
The strength behind the
names you know!​

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