華盛頓州止贖公平計劃

The Foreclosure Fairness Program provides homeowner foreclosure assistance by offering free housing counseling, civil legal aid, and foreclosure mediation.喪失抵押品贖回權的公平計劃通過提供免費的房屋諮詢,民事法律援助和喪失抵押品贖回權的調解,為房主提供贖回權的協助。 The program, created by the 2011該程序,由XNUMX年創建 止贖公平法,幫助房主和貸方探索止贖的替代方案,並在可能的情況下達成解決方案。 該法 要求放款人在開始取消抵押品贖回權之前,通知房主有關喪失抵押品贖回權諮詢的可能性和調解的可能性,並與被轉介給房主的房主一起參與調解。 調解程序。 The program is funded through fees paid by financial institutions recording notices of trustee sale on owner-occupied residential real property in Washington state (some financial institutions are exempt from this fee).該計劃由金融機構支付的費用資助,該費用記錄了華盛頓州自用住宅房地產的受託人出售通知(某些金融機構免收此費用)。

華盛頓的止贖程序是什麼?

Washington is a “non-judicial foreclosure” state, meaning that a lender can foreclose on a property through a third party, the trustee, and not through the court system.華盛頓是一個“非司法喪失抵押品贖回權的州”,這意味著放貸人可以通過第三方(受託人)而不是通過法院系統對財產進行贖回。 The trustee has a duty of good faith towards both the lender and the homeowner.受託人對貸方和房主都有誠信義務。 This non-judicial process is described in the該非司法程序在 止贖公平計劃手冊.

西雅圖大學法學院與西雅圖市政府合作,製作了一個教育視頻,進一步解釋了非司法贖回權的過程,並說明了為什麼房主盡快尋求幫助很重要。

點擊這裡 西班牙語版本。

房主如何獲得幫助?

請隨時致電1-877-894-HOME(4663)與免費的房屋顧問聯繫。
Foreclosure prevention counseling is provided free of charge to Washington homeowners.向華盛頓房主免費提供了止贖預防諮詢。 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.諮詢顧問經過培訓,可以幫助房主了解他們的選擇並確定最佳的行動方案,包括在房主符合調解條件的情況下將其推薦給調解計劃。

中低收入房主還可以通過以下方式聯繫全州的民事法律援助計劃:
1-800-606-4819 或訪問 www.nwjustice.org/get-legal-help.

Foreclosure mediation is a process where a neutral third party (the “mediator”) helps the homeowner (the “borrower”) and the lender (the “beneficiary”) openly communicate and reach a fair, voluntary, and negotiated agreement whenever possible.喪失抵押品贖回權的調解是一個中立的第三方(“調解人”)幫助房主(“借款人”)和貸方(“受益人”)進行公開交流並在可能的情況下達成公平,自願和談判達成的協議的過程。 The homeowner and the lender each pay half of the mediation fee to prepare, schedule, and conduct a mediation session.房主和貸方各自支付一半的調解費,以準備,安排和進行調解會議。 If more than one session is necessary, additional fees may apply.如果需要多個會議,則可能需要支付額外費用。

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.如果房主從貸方處收到違約通知並且在取消抵押品贖回權流程開始時居住在房屋中,則可能有資格進行調解。 The referral to mediation must be submitted to Department of Commerce after a Notice of Default has been issued and no later than 20 days after the date the Notice of Trustee Sale has been recorded at the county where the property is located.調解的轉介必須在發出違約通知後且不遲於財產所在縣記錄受託人出售通知之日起XNUMX天后提交給商務部。 Some lenders are一些貸方是 免於調解。 查看 資格標準 了解詳細信息。

Homeowners cannot self-refer into the Mediation Program.房主不能自行參考調解計劃。 Homeowners can ONLY be referred to foreclosure mediation by a housing counselor or an attorney.房屋顧問或律師只能將房主移交給止贖房屋的調解。 The counselor or attorney will make an eligibility determination and may refer the homeowner to Department of Commerce for foreclosure mediation.顧問或律師將做出資格確定,並可將房主轉介給商務部進行止贖贖回權調解。 Eligible homeowners will be assigned a mediator (by Department of Commerce) to conduct the foreclosure mediation process established in符合條件的房主將被指派一名調解員(由商務部進行),以執行在 法令。 Although not required, homeowners may benefit from a counselor or attorney assisting/representing them during the mediation process and session(s).儘管不是必需的,但房主可能會在調解過程和會議期間從協助/代表他們的顧問或律師中受益。 The lender is typically represented by at least one attorney.貸方通常由至少一名律師代表。 請隨時致電1-877-894-HOME(4663)與免費的房屋顧問聯繫。

At the conclusion of the mediation, the mediator will send a written report (the “certification”) to the homeowner, lender, trustee, and Department of Commerce.調解結束時,調解員將向房主,貸方,受託人和商務部發送書面報告(“證明”)。 Once the mediator issues and sends her/his certification, the foreclosure mediation process is complete.調解員簽發並發送她/他的證明後,喪失抵押品贖回權的調解過程完成。 If an agreement was not reached between the borrower and the lender, the mediator's certification authorizes the beneficiary to move forward with the foreclosure process, which may include selling the property at a trustee sale (see如果借款人與貸方之間未達成協議,則調解員的證明書將授權受益人繼續執行止贖程序,該程序可能包括通過受託人出售財產(參見 RCW 61.24.163(13))。 Borrowers may have a few options to consider.借款人可能有一些選擇要考慮。 For more information, read有關更多信息,請閱讀 “調解後的借款人選項”。

提交止贖公平成功案例

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