Eviction Prevention
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WRO promotes equal, affordable & accessible housing
opportunities for all residents in our region.
Call for assistance: 914-428-4507
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Mortgage Default Prevention Counseling
WRO is a not-for-profit agency that has been providing free mortgage default prevention counseling for more than 15 years. WRO is a HUD-approved housing counseling agency.
Are you facing Mortgage or property tax foreclosure? Fearful of losing your home? Don't know where to turn? Westchester Residential Opportunities, Inc. can help.

Mortgage foreclosure counseling and assistance is available in English, Spanish and French.

Call or write Westchester Residential Opportunities, Inc. (WRO) - we're experienced, qualified HUD approved Housing Counseling Agency: 914-428-4507 or send a confidential email to info@wroinc.org.

For the City of White Plains Homeowners, please call (914) 428-4507 ext.338

Para servicios en Español por favor llamar al 914-428-4507 ext. 338

Pour aidé en Françaises, appeler à 914-428-4607 ext. 338

We also intervene as a mortgage default counselor on behalf of homeowners by attending settlement conferences in Westchester County court for WRO clients. Transitioning counseling is also available for homeowners seeking alternatives to foreclosure prevention, such as deed in lieu and short sales. If you are more than 30 days delinquent on your mortgage, please download our Intake Application and start today to get help.

Mortgage Default Prevention Intake Application

Intake Application (Everyone must complete and bring this!)


Making Home Affordable Form (Everyone must complete and bring this!)

Fannie Freddie 710 Form(Those with a Fannie or Freddie Mac loan must complete this form in addition to the Intake Application.)

You should bring a completed application and all supporting documents with you when you attend a Wednesday orientation session. Please note: Bring copies of the required documents, NOT your originals!  

Orientation Sessions
In order for us to work with you, you must first attend an orientation session. These sessions provide an overview of our counseling program and introduce homeowners to potential options. You will have an opportunity to talk with a counselor and hear what the mortgage industry is saying during this time of crisis.
Dates: Every Wednesday except those in weeks with holidays (call to confirm dates)
Times: 10:00 am or 6:00 p.m.
Location: Westchester Residential Opportunities, Inc.

470 Mamaroneck Ave
Suite 410
White Plains NY 10605
Register: By phone: 914-428-4507 ext. 334; email: vraphael@wroinc.org

Please bring COPIES of all original documents with your completed intake application to the orientation.  

Questions? Call us at 914-428-4507 ext. 334 or the Department's hotline at 877-WRO-4YOU.

Other Resources

Find another HUD-approved counseling agency here.

Government News

November 6, 2013: "Consumer Financial Protection Bureau Begins Accepting Payday Loan Complaints." The Consumer Financial Protection Bureau began monitoring payday lenders early in 2012. See this press release for its activity in this area and how to complain about a problem. 

March 21, 2013: "Cuomo Administration Settles with Country's Largest Force-Placed Insurer, Leading Nationwide Reform Effort and Saving Homeowners, Taxpayers, and Investors Millions of Dollars." Click here for details.







Main Office: 470 Mamaroneck Avenue | Suite 410 | White Plains, NY 10605 | Tel: 914-428-4507 |  Fax: 914-428-9455
Mount Vernon Office: 116 West First Street, Mt. Vernon NY 10550 | Tel: 914-665-2447
Copyright ©2018 Westchester Residential Opportunities, Inc.