New York is a judicial foreclosure state, which means your lender must go through the court system to foreclose on your home. This process typically takes 445 days or longer from start to finish, giving you substantial time to mount a legal defense. The timeline includes a 90-day pre-foreclosure notice period, court filing and service of process, your opportunity to respond, and potential settlement conferences. Having an experienced foreclosure attorney can extend this timeline further by challenging improper procedures or negotiating with your lender, giving you more time to explore alternatives and potentially save your home.