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General Info (16)+

  • A Homeowner's Guide to Short Sales

    6708EN - Homeowners who owe more on their mortgages than their homes are worth may consider a short sale as a means to sell their home and/or avoid foreclosure. However, a short sale is a very complex transaction that involves numerous issues and risks. This publication is meant to provide an overview of the issues involved in short sales, but does not replace the need for the advice of an attorney and tax professional prior to proceeding with a short sale. Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español
    Korean / 한국어
  • Foreclosure When You Have a Deed of Trust

    6704EN - If your house is in foreclosure, your best chance to keep your home is to act quickly and with the help of a housing counselor or a lawyer. Both can help you evaluate available options to help save your home from foreclosure. Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español
  • Mortgage payments, foreclosure rescue scams, reverse mortgages, mortgage servicing

    If you are having trouble making your payments, this article talks about what you should do and things to avoid. Read More

    By:
    Federal Trade Commission
    Read this in:
    Spanish / Español
  • Chapter 13 Bankruptcy

    Description of Chapter 13 bankruptcy advantages, eligibility and how it works. Read More

    By:
    U.S. Courts - Federal Judiciary
  • Information for Military Personnel Regarding Mortgage Relief and Foreclosure Protection

    Information about payment relief and protection from foreclosure provided by the Servicemembers Civil Relief Act (formerly known as The Soldiers' and Sailors' Civil Relief Act of 1940) Read More

    By:
    U.S. Department of Housing and Urban Development
  • Beware of Foreclosure Rescue Scams - Help Is Free!

    Foreclosure rescue and mortgage modification scams are a growing problem. Homeowners must protect themselves so they do not lose money—or their home. Scammers make promises that they cannot keep, such as guarantees to “save” your home or lower your mortgage, oftentimes for a fee. Scammers may pretend that they have direct contact with your mortgage servicer when they do not. Watch a video on this and view more information at the link below. Read More

    By:
    MakingHomeAffordable.gov
  • Explore Loan Workout Solutions with Your Lender

    First and foremost, if you can keep your mortgage current, do so. But if you find you are unable to make your mortgage payments, you might qualify for a loan workout option. Check with your lender to see which option may be available. Some options may not apply to your loan if it is not insured by FHA. Read More

    By:
    U.S. Department of Housing
  • Foreclosure when You Have a Mortgage

    6702EN - Read this publication if you have a mortgage AND your house is in foreclosure OR you might fall behind in your payments on the home you are buying Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español
  • Guide to Avoiding Foreclosure

    Whether you are in foreclosure now or worried about it in the future, this information can help. Read More

    By:
    U.S. Department of Housing and Urban Development
    Read this in:
    Spanish / Español
  • HUD Approved Housing Counseling Agencies

    Listing of HUD approved counseling agencies for Washington State. These agencies can provide counseling on foreclosures and other housing issues. Read More

    By:
    U.S. Department of Housing
  • I am a Tenant Living in a Foreclosed Property. What are My Rights?

    6122EN - If you rent your home, and your home was sold at a foreclosure sale, the new owner must give you 60 days’ written notice to vacate before evicting you. You must still honor the obligations of your lease or rental agreement during this 60-day time period. Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español
    Laotian / ພາສາລາວ
    Vietnamese / Tiếng Việt
    Chinese / 中文
  • Non-Borrowing Spouses and Reverse Mortgages

    For surviving spouses facing foreclosure on their reverse mortgage due to the death of their spouse, relief may be available. The Department of Housing and Urban Development (“HUD”) issued new regulations regarding reverse mortgages on June 12, 2015, through Mortgagee Letter 2015‐15. Under a new program, called the “Mortgagee Optional Election” or MOE, banks may elect to have HUD assume the reverse mortgage in lieu of foreclosure. This packet will guide surviving spouses through the application process to have their bank elect to have HUD assume the reverse mortgage and keep them in their homes. Read More

    By:
    Northwest Justice Project
  • Options to Avoid Property Tax Foreclosure

    6235EN - If you have received notice in the mail, posted on your door, or delivered to you that says your home or your property is “subject to foreclosure,” “in foreclosure,” or will be “sold at auction” because of unpaid taxes, you may be able to stop or delay the foreclosure and sale of your home. Read More

    By:
    Northwest Justice Project
  • Washington Foreclosure Prevention Resource Guide

    The Washington Foreclosure Prevention Resource Guide is designed to provide practical tools, information and resources to help homeowners dealing with foreclosure issues. Read More

    By:
    Foreclosure Prevention Action Team
  • Washington Homeownership Information

    This website is a one stop resource center for homeownership and foreclosure assistance for Washington residents. Read More

    By:
    Washington State Department of Financial Institutions
  • What are My Rights During Foreclosure?

    6710EN - Explains the foreclosure timeline and your rights during this process. Read More

    By:
    Northwest Justice Project

Foreclosure / Alternatives (After a Disaster) (1)+

  • Disaster Relief Options for FHA Homeowners

    Disaster Relief Options for FHA Homeowners - Was your home or your ability to make your mortgage payments harmed by an event that the President declared a disaster? You may qualify for relief to help you keep your home. Read More

    By:
    HUD

Foreclosure Mediation (3)+

  • Foreclosure Mediation

    6712EN - This resource is for homeowners who have already been referred to foreclosure mediation by an attorney or a housing counselor. The following information is intended to help prepare homeowners for their mediation, and explain the foreclosure mediation process. Read More

    By:
    Northwest Justice Project
  • Video - Foreclosure Mediation in Washington State

    Basic introduction to Washington's new mediation process for homeowners facing foreclosure current as of December 2011. Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español
  • Washington Foreclosure Mediation Toolkit

    6706EN - This Toolkit is intended to help homeowners understand and benefit from the rights provided by the Foreclosure Fairness Act (FFA). Where homeowners are not represented by an attorney or housing counselor, this Toolkit will help homeowners represent themselves. The process is complex, but these tools will help homeowners navigate the system and offer materials to help them advocates for themselves to try to save their homes. Read More

    By:
    Seattle-King County Asset Building Collaberative Foreclosure Prevention Team

Home Loans (1)+

  • Foreclosure When You Have a Deed of Trust

    6704EN - If your house is in foreclosure, your best chance to keep your home is to act quickly and with the help of a housing counselor or a lawyer. Both can help you evaluate available options to help save your home from foreclosure. Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español

Property tax (1)+

  • Options to Avoid Property Tax Foreclosure

    6235EN - If you have received notice in the mail, posted on your door, or delivered to you that says your home or your property is “subject to foreclosure,” “in foreclosure,” or will be “sold at auction” because of unpaid taxes, you may be able to stop or delay the foreclosure and sale of your home. Read More

    By:
    Northwest Justice Project

Videos (4)+

  • Video - Avoid Foreclosure Rescue Scams

    If you're facing foreclosure, it can be easy to listen to scammers trying to take advantage of this vulnerable time in your life. But don't be fooled — or robbed — by companies falsely promising to save your home. Learn from the true stories of struggling homeowners who were deceived by foreclosure rescue scams. Read More

    By:
    Federal Trade Commission
    Read this in:
    Spanish / Español
  • Video - Facing Foreclosure?

    Facing foreclosure? Scammers are targeting people having trouble paying their mortgages. Some claim to be able to "rescue" homeowners from foreclosures, while others promise loan modifications - for a fee. The Federal Trade Commission, the nation's consumer protection agency, wants you to know how to avoid scams that could make your housing situation go from bad to worse. Read More

    By:
    Federal Trade Commission
    Read this in:
    Spanish / Español
  • Video - Foreclosure Mediation in Washington State

    Basic introduction to Washington's new mediation process for homeowners facing foreclosure current as of December 2011. Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español
  • Video - Plain Talk about Foreclosure

    A short video that clearly describes the foreclosure process in Washington State and the free resources available to help struggling homeowners. Read More

    By:
    Seattle University and the City of Seattle
    Read this in:
    Spanish / Español
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