The Foreclosure Fairness Program provides homeowner foreclosure assistance. It is designed to help homeowners and their lenders explore possible alternatives to foreclosure and reach a resolution when possible.
The program was created by the Foreclosure Fairness Act (RCW 61.24), passed during the 2011 legislative session. Washington state law now requires lenders to notify borrowers, prior to initiating the foreclosure, of the availability of foreclosure counseling and the potential for foreclosure mediation. Department of Commerce administers the foreclosure mediation program (RCW 61.24.163), as required by the Act.
Homeowners can be referred to Department of Commerce for foreclosure mediation only by a housing counselor or an attorney.
FREE housing counseling is available to help homeowners understand their options and determine the best course of action. Contact a free housing counselor at 1-877-894-HOME (4663).
Low to moderate-income homeowners with foreclosure-related legal issues can also contact the statewide civil legal aid program at 1-800-606-4819 or visit www.nwjustice.org/get-legal-help.