Housing educator Nicole Caminati, left, and head of homeowner services...

Housing educator Nicole Caminati, left, and head of homeowner services at the Community Development Corporation of Long Island Joanie LaFemina, counsel Alexis Blanks, right, of Freeport, Tuesday afternoon in Freeport. Foreclosure prevention efforts are taking funding hits despite the ongoing economic crisis. Credit: Danielle Finkelstein

It’s a scenario thousands of Long Island homeowners experience each year. Perhaps it begins with a lost job or an illness. That quickly turns into a missed mortgage payment, and then a second. Homeowners find themselves in delinquency and in danger of foreclosure.

But often, they have options. More than a dozen Long Island nonprofit housing counseling and legal services agencies offer guidance and even legal representation. Counselors help homeowners save their homes, using loan modifications or settlements. They often notice when homeowners are victims of scams. The assistance limits the damage and helps homeowners get through what is a difficult process.

Across New York State, there were nearly 33,000 new foreclosure filings last year. More than 8,000 were on the Island, a figure higher than in 2007, according to the Empire Justice Center, an Albany public interest law firm. Eight years after the financial collapse, foreclosure prevention remains a necessity.

But that assistance is in jeopardy.

In the past, such services were paid for by the state. Recently, the state attorney general’s office used national mortgage settlement funds. But in September, that money will be gone. Gov. Andrew M. Cuomo has not included any funds in his initial 2018 budget to fill the gap. State officials should pony up the needed $10 million for the remainder of this fiscal year, and be prepared to put in $20 million for the following year.

If they don’t, the impact will be extensive. Nonprofit agencies will stop taking cases. Come September, they’ll stop their foreclosure work altogether. People will be more likely to lose homes, and neighborhoods will be hit by the economic domino effect. The foreclosure crisis will worsen unless state officials and lawmakers stem the tide.

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