Yes, being behind on payments doesn’t mean you’ll lose your home. New York law gives homeowners the right to “cure” the default by catching up on missed payments, even after foreclosure starts. You also have the right to “reinstate” your loan by paying all missed payments plus fees. Beyond these options, loan modifications can make payments affordable going forward, and legal defenses can challenge the foreclosure itself. The earlier you act, the more options you have, but even advanced foreclosure cases often have workable solutions.