AVOID SCAMS — Many bad actors are waiting to take advantage of homeowners in trouble. Don’t pay anyone who offers to help you for a fee. Call the state hotline.

Federal Homeowner Assistance Fund — Coming Spring 2022
Federal funds are coming to Washington to help homeowners who have experienced hardships due to the pandemic (after January 21, 2020).

The Housing Finance Commission will administer the program across Washington state, starting in spring 2022. What to do now: Homeowners should call the Homeownership Hotline at 877‐894‐4663 to start working with a housing counselor on their specific situation.

Established by Congress as part of the American Rescue Plan Act (ARPA), the Homeowner Assistance Fund (HAF) was created to provide financial assistance to help homeowners who are behind on their mortgage payments due to the COVID-19 pandemic.

Washington state will receive $173 million under this program for homeowner assistance. Be wary of scams: These funds are not yet available from anyone! Call the state hotline at 877‐894‐4663 to get help that is free and safe.

Learn more about the HAF:

Options after a COVID-19 ForbearanceCovid - 19 Forbearance Video

Connect with the Washington Homeownership Resource Center for Options after a COVID-19 Forbearance.  Learn more here>

Foreclosure Help Video Slide
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: 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 information 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.)

Download a copy here>

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 you will find general information, self-help packets, and resources to assist you with foreclosure. Learn more>

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.

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>

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>