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 WashingtonLawHelp.org you will find general information, self-help packets, and resources 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.
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>
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>