Are you, or someone you know, having trouble paying your mortgage? This can be a scary, confusing and frustrating situation. Learn about the foreclosure process and the FREE resources available to help struggling homeowners keep their homes.
Seattle University School of Law and the City of Seattle have produced a new video that clarifies the foreclosure process and shows why it is important for you to seek help as soon as possible. Don’t wait until it’s too late!
The video is also available in Spanish. Watch it here>
Washington Foreclosure Prevention Resource Guide
Washington Foreclosure Prevention Resource Guide: A Tool to Educate Homeowners about the Foreclosure Process is a resource for homeowners at risk of foreclosure, including a Mediation Toolkit. (This guide provides general informational concerning your rights and responsibilities. It is not intended as a substitute for specific legal advice. Make sure you reach out for help about your specific circumstances today) .
Note: If you are a homeowner seeking help with your mortgage, please contact a housing counselor or legal aid attorney by calling the Homeownership Hotline at 877-894-4663 (toll-free) or (206) 542-1243 in Seattle.
For legal assistance, call the Northwest Justice Project’s Foreclosure Prevention Hotline at 800-606-4819.
Washington Law Help
At WashingtonLawHelp.org you will find general information, self-help packets and resources for to assist you with foreclosure. Learn more>
- Foreclosure Mediation in Washington State video for homeowners on a basic introduction to the mediation process (Northwest Justice Project)
HUD – Approved housing counseling agencies
If you are facing foreclosure you may be contacted by letter or phone call from their lenders that they are at risk of facing foreclosure. The letter or notice that you receive may contain phone numbers for a HUD-approved housing counseling agency, the Department of Financial Institutions referral number to the Washington State Foreclosure hotline, or for legal assistance through the Northwest Justice Project that serves low-income persons and persons age 60 and older (1-800-997-8944 weekdays between 2 and 4:30 p.m.). You should seek assistance in working with a housing counselor to assess your ability to pay your mortgage or consider other options.
Statewide Foreclosure Mapping Data
Northwest Justice Project’s (NJP) Foreclosure Consequences Advocacy Team (FCAT), in collaboration with Seattle University Law, Columbia Legal Services (CLS) and El Centro de la Raza (El Centro) has completed a report on foreclosure rates across the state from 2008 through 2014. The report highlights zip codes experiencing higher-than-average rates of foreclosure during this time period. Follow up work on whether foreclosure prevention advocates have been effective in assisting people in the affected zip codes is projected to be completed by this summer. Those interested can access the data to date, broken down by county. Learn more>
Programs to Help Prevent Foreclosure
Call the Homeownership Information Hotline at 877-894-HOME (4663) to find an attorney specializing in foreclosure prevention. Speak To A HUD-approved Counselor by calling 1-877-894-HOME. Learn more>
Are you behind on your mortgage loan or property taxes? Have you been declined for a loan modification? The Attorney General and trusted nonprofits have created a program in Washington. It provides financial help to keep you in your home, even if you’ve been denied a mortgage modification. This new rescue loan program offers qualified homeowners deferred loans up to $30,000 at zero to 2% interest.
A foreclosure prevention specialist at a HUD approved housing counseling agency can explain how the program works and determine whether you qualify at no cost for the assessment.
Call HomeSight at 206-723-4355 or toll free at 888-749-4663 for more information or an appointment with a specialist.
Partial Claim Program For FHA Loans In Foreclosure
Homeowners with an FHA loan in foreclosure may be eligible for a partial claim program. The program is called the FHA-Home Affordable Modification Program, or FHA-HAMP. The program is designed to help borrowers retain their homes and to prevent the destructive impact of foreclosures on families and communities. Learn more>
FDIC Foreclosure Prevention Initiative
The FDIC has launched a program to help prevent both unnecessary foreclosures and fraudulent rescue scams by encouraging loan modification, providing an FDIC phone line to direct borrowers to legitimate mortgage counselors, and creating a foreclosure information “tool kit”. FDIC Call Center: 877-275-3342. Learn more>
Washington State Bar Association Home Foreclosure Legal Aid Project
Offers moderate income homeowners free legal assistance through the Home Foreclosure Legal Aid Project. To locate a foreclosure prevention agency in your community, call Homeownership Information Hotline – 1-877-894-HOME. Learn more>
Property Tax Deferral Program
The Property Tax Deferral Program helps homeowners with limited income by paying 50 percent of property taxes and/or special assessments on behalf of the owner. The taxes are postponed and must be paid when the homeowner no longer owns and uses the property as a primary home. For more information and a list of requirements, visit dor.wa.gov or call 360-570-5900, or call the county assessor’s office.
Beware of Foreclosure Rescue Scams
DFI advises homeowners who are delinquent on their mortgage to be cautious about using the services of someone offering to help them work with their lender to modify the terms of their home loan. Solutions that sound too simple or too good to be true usually are. HUD-approved housing counselors will provide advice to you free-of-charge. Learn more>