What To Do If You Are Facing Foreclosure
If you think you may have a problem making your monthly mortgage payment, or you are late already, be proactive and seek assistance immediately.
Gather Your Financial Documents
Gather a list of the major bills you pay every month and your recent income documents. Most important is your mortgage payment statement complete with your mortgage loan number. Having these nearby will help a counselor build an accurate assessment of your financial situation.
View this checklist (PDF)* of information you should have ready before you contact a counseling agency.
Contact the Washington Homeownership Information Hotline - 1.877.894.HOME
Free foreclosure counseling is available via funding from the State of Washington.
Contact the Washington State Homeownership Information Hotline at 1.877.894.HOME (1.877.894.4663) for more information or visit www.homeownership.wa.gov for more information.
Do Not Ignore Your Lender
Do not ignore letters or phone calls from your lender. If you’re having trouble making your monthly mortgage payments, explain the situation to your lender. Write down who you spoke to, the date, and what was said. Don't wait!
- Contact Information for Lenders and Servicers
- Contact Information for Washington State Banks
- Contact Information for Washington State Credit Unions
Keep In Mind
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There May Be Alternatives To Foreclosure
There may be alternatives to foreclosure. Explore some of the possible alternatives to foreclosure. -
Foreclosure Rescue Scams Are Out There
Solutions that sound too simple or too good to be true usually are. Learn more about foreclosure rescue scams. -
Don't Move Out Or Abandon Your Home
There are programs that can help you pay your mortgage and keep your home, but you may not qualify if you leave your home.
* This document is a PDF file, and you will need Adobe Acrobat Reader to view it. If you don't already have Acrobat Reader installed on your computer, you may download it for free from Adobe.
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