NYC Commissioner of Social Services mortgage on ACRIS?

Was looking up a property on ACRIS and saw that the (apparent) owner took out a “mortgage” in the amount of $200,000 from NYC COMMISSIONER OF SOCIAL SERVICES in 2008. Just curious what this is about — does the NYC Commissioner of Social Services really provide mortgages? Or is this some form of mortgage or tax relief? Or another social services program I haven’t heard of? The property shows a number of tax liens against it before before and after the NYC Commissioner of Social Services mortgage document, so I wasn’t sure if there was a relationship between the two.

woodchip

in Home Buying 11 years and 8 months ago

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andrew-weltchek | 8 years and 5 months ago

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Hey woodchip sorry for delayed post but are you looking at 1xx5 E 85th St in Brooklyn? I am just getting feet wet with real estate and saw a mortgage from NYC Social Services in the same amount you mentioned. Plus some tax liens. It looks like a senior mortgage holder foreclosed. Shouldn’t the 200K mortgage be wiped out and we would see a discharge or release on ACRIS? I would really appreciate any info if you have already found out how this works…..

woodchip | 11 years and 8 months ago

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Thanks @resident2, that would seem to make sense, given what I know about the property. Anyone know if these liens remain on the after a sale or foreclosure? Just curious about the possible pitfalls here since I’ve seen this on ACRIS more than once now.

resident2 | 11 years and 8 months ago

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When an elderly person is in need of social services, maybe a nursing home or assisted living of some kind, but does not have the income to pay for it, but does have an interest in a property. Social services puts a lien on the house and collects from the estate. Real estate tax liens are also often held in abeyance until after the estate is settled.

argylerd | 11 years and 8 months ago

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What you’re seeing in a lien on the house to repay a grant issued usually for mortgage arrearts. When the house is sold the Agency recovers the money expended up to the amount of the lien.

pigthree | 11 years and 8 months ago

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pretty sure i know the house. many have tried. complicated situation.

jay | 11 years and 8 months ago

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It seems to be Adult Protective Services, especially for the elderly. You can google it: http://law.onecle.com/new-york/social-services/SOS0410-G_410-G.html