New York foreclosures typically take 12-18 months from start to finish, but this timeline can vary significantly based on your lender’s efficiency and whether you have legal representation. The process involves multiple steps: pre-foreclosure notices, filing the lawsuit, serving papers, waiting for your response, court proceedings, and potentially a foreclosure sale. Having an attorney can extend this timeline legally while we work on alternatives, giving you more time to save your home or prepare for other options.