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The Foreclosure Fairness Program provides homeowner foreclosure assistance by offering free housing counseling, civil legal aid, and foreclosure mediation. The program, created by the 2011 Foreclosure Fairness Act , helps homeowners and lenders explore possible alternatives to foreclosure and reach a resolution whenever possible. The Act requires lenders to notify homeowners, prior to initiating foreclosure, of the availability of foreclosure counseling and the potential for mediation, and to participate in mediation with homeowners who have been referred to the Mediation Program.
 

How can homeowners obtain assistance?

Contact a FREE housing counselor ANYTIME at 1-877-894-HOME(4663).
Foreclosure prevention counseling is provided free of charge to Washington homeowners. Counselors are trained to help homeowners understand their options and determine the best course of action, including referring them into the Mediation Program, if the homeowner is eligible for mediation.
 
Low and moderate-income homeowners can also contact the statewide civil legal aid program at
1-800-606-4819 or visit www.nwjustice.org/get-legal-help.

What is foreclosure mediation?

Foreclosure mediation is a process where a neutral third party (the "mediator") helps the homeowner and the lender (the "beneficiary") openly communicate and reach a fair, voluntary, and negotiated agreement whenever possible. The homeowner and the lender each pay the mediator $200 to prepare, schedule, and conduct a mediation session. If more than one session is necessary, additional fees may apply.

Who is eligible to participate in the Mediation Program?

Homeowners may be eligible for mediation if they received a Notice of Default from their lender and lived in the home when the foreclosure process started. Some lenders are exempt from mediation. Review the Eligibility Criteria for detailed information. 

How is mediation requested?

Homeowners cannot self-refer into the Mediation Program. Homeowners can ONLY be referred to foreclosure mediation by a housing counselor or an attorney. The counselor or attorney will make an eligibility determination and may refer the homeowner to Department of Commerce for foreclosure mediation. Eligible homeowners will be assigned a mediator (by Department of Commerce) to conduct the foreclosure mediation process established in statute. Although not required, homeowners may benefit from a counselor or attorney assisting/representing them during the mediation process and session(s). The lender is typically represented by at least one attorney.

Contact a FREE housing counselor ANYTIME at 1-877-894-HOME(4663).
 

Foreclosure Fairness Program Brochure

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