What is an Order of Reference?

What is an Order of Reference?


The Order of Reference, also known as the OOR or OREF, is a formal request to the court to appoint a Referee to determine the amount due on a mortgaged property. The Referee adds up the total amount that the lender is owed, including the principle, interest and any late charges and foreclosure fees. When the Referee reports his or her findings to the judge, the bank can then ask the court to enter a Judgment of Foreclosure and Sale that allows your home to be sold at auction to complete the foreclosure.

The Order of Reference is usually filed along with a request for a default judgment. Keep in mind that your home is still in “pre-foreclosure” when the Order of Reference is filed, and you may still have options to avoid foreclosure.


Speak directly with the Homeowner Advocate assigned to your property. Your Homeowner Advocate can get you access to critical resources and assistance including monetary and other options specific to your property. The program is privately funded and provided at no cost to participating New York Homeowners.

This is for information purposes only. Subject to change without notice. It is not to be construed or relied upon as legal or accounting advice. Please click here for our complete disclaimer, https://rebuildny.com/disclaimer/

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