Loan modification and other mortgage scams are proliferating. Scam artists prey on unsuspecting homeowners who are facing the pressures of foreclosure. Every day, consumers are lured by the promise of a loan modification that they hope will help them stay in their homes. As a result, consumers are losing thousands of dollars and, in some cases, their homes. The New York State Department of State Division of Consumer Protection provides the links and resources below to help consumers avoid falling victim to these offers and schemes.