Yes, you can typically stay in your home throughout the foreclosure process in New York, which can take several months or even longer when properly defended. You have the right to remain in the property until the foreclosure is complete and ownership officially transfers. This gives us time to explore all your options, negotiate with lenders, and potentially resolve the situation without losing your home. However, you should continue maintaining the property and stay current on any payments you can afford, as this strengthens your position in negotiations.