Property Ownership

In New York, the 'right of redemption' in a mortgage foreclosure allows the mortgagor to:

ABid at the foreclosure auction
BRedeem (reclaim) the property by paying the full amount owed at any time up to the foreclosure sale✓ Correct
CRenegotiate the loan after default
DRequest a new appraisal

Explanation

New York's statutory right of redemption allows the mortgagor to redeem the property by paying all amounts owed (including fees and costs) at any time up until the completion of the foreclosure sale. Some states allow redemption after the sale; New York does not.

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